| 11/22/2019 |
Yes |
- Debt collection
- Other debt
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- Communication tactics
- Called before 8am or after 9pm
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Web |
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I started receiving calls XXXX at XXXX XXXX, XXXX XXXX XXXX ( I answered and after they said they were with XXXX and they were looking for a specific person I informed them that they had the wrong number and needed to stop calling. ) XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX. I called XXXX customer service explained to them that i was receiving calls from a group impersonating XXXX there is a big difference between the real XXXX automated service and the limited capability employed by these numbers which leads me to believe that MRS Assoc is running a fake line to identify and trick their debtors as XXXX confirmed their systems had no record of calls to my number. I then received a text message this morning at XX/XX/XXXX stating " Please contact MRS Assoc. rguarding a XXXX XXXX matter at XXXX. This is an attempt to collect a debt and any information obtained will be used for that purpose MRS is a debt collector. X : unbrty. 804. Acquisition of location information [ 15 USC 1692b ] Any debt collector communicating with any person other than the consumer for the purpose of acquiring location information about the consumer shall -- ( 1 ) identify himself, state that he is confirming or correcting location information concerning the consumer, and, only if expressly requested, identify his employer ; ( 2 ) not state that such consumer owes any debt ; ( 5 ) not use any language or symbol on any envelope or in the contents of any communication effected by the mails or telegram that indicates that the debt collector is in the debt collection business or that the communication relates to the collection of a debt.
805. Communication in connection with debt collection [ 15 USC 1692c ] ( a ) Communication with the consumer generally Without the prior consent of the consumer given directly to the debt collector or the express permission of a court of competent jurisdiction, a debt collector may not communicate with a consumer in connection with the collection of any debt -- ( 1 ) at any unusual time or place or a time or place known or which should be known to be inconvenient to the consumer. In the absence of knowledge of circumstances to the contrary, a debt collector shall assume that the convenient time for communicating with a consumer is after XXXX o'clock XXXX and before XXXX o'clock XXXX, local time at the consumer 's location ; Fair Debt Collection Practices Act FDCPA Written by : XXXX XXXX The Fair Debt Collection Practices Act ( FDCPA ) is a federal law that limits the behavior and actions of third-party debt collectors who are attempting to collect debts on behalf of another person or entity. However, it does not apply to your original creditor. The Federal Trade Commission ( FTC ), the nation 's consumer protection agency, enforces the FDCPA, which prohibits debt collectors from using abusive, unfair, or deceptive practices to collect debt from you. If you feel you are a victim of unfair debt collection practices, contact the FTC immediately.
THE FAIR DEBT COLLECTION PRACTICES ACT As amended by Public Law 111-203, title X, 124 Stat. 2092 ( 2010 ) As a public service, the staff of the FTC has prepared this following complete text of the Fair Debt Collection Practices Act - 1692-1692p. The format of this text differs slightly from the actual U.S. Code.
801. Short title 802. Congressional findings and declaration of purpose 803. Definitions 804. Acquisition of location information 805. Communication in connection with debt collection 806. Harassment or abuse 807. False or misleading representations 808. Unfair practices 809. Validation of debts 810. Multiple debts 811. Legal actions by debt collectors 812. Furnishing certain deceptive forms 813. Civil liability 814. Administrative enforcement 815. Reports to Congress by the Bureau ; views of other Federal agencies 816. Relation to State laws 817. Exemption for State regulation 818. Exception for certain bad check enforcement programs operated by private entities 819. Effective date 801. Short Title [ 15 USC 1692 note ] This title may be cited as the " Fair Debt Collection Practices Act. '' 802. Congressional findings and declarations of purpose [ 15 USC 1692 ] ( a ) Abusive practices There is abundant evidence of the use of abusive, deceptive, and unfair debt collection practices by many debt collectors. Abusive debt collection practices contribute to the number of personal bankruptcies, to marital instability, to the loss of jobs, and to invasions of individual privacy.
( b ) Inadequacy of laws Existing laws and procedures for redressing these injuries are inadequate to protect consumers.
( c ) Available non-abusive collection methods Means other than misrepresentation or other abusive debt collection practices are available for the effective collection of debts.
( d ) Interstate commerce Abusive debt collection practices are carried on to a substantial extent in interstate commerce and through means and instrumentalities of such commerce. Even where abusive debt collection practices are purely intrastate in character, they nevertheless directly affect interstate commerce.
( e ) Purposes It is the purpose of this title to eliminate abusive debt collection practices by debt collectors, to insure that those debt collectors who refrain from using abusive debt collection practices are not competitively disadvantaged, and to promote consistent State action to protect consumers against debt collection abuses.
803. Definitions [ 15 USC 1692a ] As used in this subchapter -- ( 1 ) The term " Bureau '' means the Bureau of Consumer Financial Protection.
( 2 ) The term " communication '' means the conveying of information regarding a debt directly or indirectly to any person through any medium.
( 3 ) The term " consumer '' means any natural person obligated or allegedly obligated to pay any debt.
( 4 ) The term " creditor '' means any person who offers or extends credit creating a debt or to whom a debt is owed, but such term does not include any person to the extent that he receives an assignment or transfer of a debt in default solely for the purpose of facilitating collection of such debt for another.
( 5 ) The term " debt '' means any obligation or alleged obligation of a consumer to pay money arising out of a transaction in which the money, property, insurance or services which are the subject of the transaction are primarily for personal, family, or household purposes, whether or not such obligation has been reduced to judgment.
( 6 ) The term " debt collector '' means any person who uses any instrumentality of interstate commerce or the mails in any business the principal purpose of which is the collection of any debts, or who regularly collects or attempts to collect, directly or indirectly, debts owed or due or asserted to be owed or due another. Notwithstanding the exclusion provided by clause ( F ) of the last sentence of this paragraph, the term includes any creditor who, in the process of collecting his own debts, uses any name other than his own which would indicate that a third person is collecting or attempting to collect such debts. For the purpose of section 808 ( 6 ), such term also includes any person who uses any instrumentality of interstate commerce or the mails in any business the principal purpose of which is the enforcement of security interests. The term does not include -- ( A ) any officer or employee of a creditor while, in the name of the creditor, collecting debts for such creditor ; ( B ) any person while acting as a debt collector for another person, both of whom are related by common ownership or affiliated by corporate control, if the person acting as a debt collector does so only for persons to whom it is so related or affiliated and if the principal business of such person is not the collection of debts ; ( C ) any officer or employee of the United States or any State to the extent that collecting or attempting to collect any debt is in the performance of his official duties ; ( D ) any person while serving or attempting to serve legal process on any other person in connection with the judicial enforcement of any debt ; ( E ) any nonprofit organization which, at the request of consumers, performs bona fide consumer credit counseling and assists consumers in the liquidation of their debts by receiving payments from such consumers and distributing such amounts to creditors ; and ( F ) any person collecting or attempting to collect any debt owed or due or asserted to be owed or due another to the extent such activity ( i ) is incidental to a bona fide fiduciary obligation or a bona fide escrow arrangement ; ( ii ) concerns a debt which was originated by such person ; ( iii ) concerns a debt which was not in default at the time it was obtained by such person ; or ( iv ) concerns a debt obtained by such person as a secured party in a commercial credit transaction involving the creditor.
( 7 ) The term " location information '' means a consumer 's place of abode and his telephone number at such place, or his place of employment.
( 8 ) The term " State '' means any State, territory, or possession of the United States, the District of Columbia, the Commonwealth of Puerto Rico, or any political subdivision of any of the foregoing.
804. Acquisition of location information [ 15 USC 1692b ] Any debt collector communicating with any person other than the consumer for the purpose of acquiring location information about the consumer shall -- ( 1 ) identify himself, state that he is confirming or correcting location information concerning the consumer, and, only if expressly requested, identify his employer ; ( 2 ) not state that such consumer owes any debt ; ( 3 ) not communicate with any such person more than once unless requested to do so by such person or unless the debt collector reasonably believes that the earlier response of such person is erroneous or incomplete and that such person now has correct or complete location information ; ( 4 ) not communicate by post card ; ( 5 ) not use any language or symbol on any envelope or in the contents of any communication effected by the mails or telegram that indicates that the debt collector is in the debt collection business or that the communication relates to the collection of a debt ; and ( 6 ) after the debt collector knows the consumer is represented by an attorney with regard to the subject debt and has knowledge of, or can readily ascertain, such attorney 's name and address, not communicate with any person other than that attorney, unless the attorney fails to respond within a reasonable period of time to the communication from the debt collector.
805. Communication in connection with debt collection [ 15 USC 1692c ] ( a ) Communication with the consumer generally Without the prior consent of the consumer given directly to the debt collector or the express permission of a court of competent jurisdiction, a debt collector may not communicate with a consumer in connection with the collection of any debt -- ( 1 ) at any unusual time or place or a time or place known or which should be known to be inconvenient to the consumer. In the absence of knowledge of circumstances to the contrary, a debt collector shall assume that the convenient time for communicating with a consumer is after XXXX o'clock XXXX and before XXXX o'clock XXXX, local time at the consumer 's location ; ( 2 ) if the debt collector knows the consumer is represented by an attorney with respect to such debt and has knowledge of, or can readily ascertain, such attorney 's name and address, unless the attorney fails to respond within a reasonable period of time to a communication from the debt collector or unless the attorney consents to direct communication with the consumer ; or ( 3 ) at the consumer 's place of employment if the debt collector knows or has reason to know that the consumer 's employer prohibits the consumer from receiving such communication.
( b ) Communication with third parties Except as provided in section 1692b of this title, without the prior consent of the consumer given directly to the debt collector, or the express permission of a court of competent jurisdiction, or as reasonably necessary to effectuate a postjudgment judicial remedy, a debt collector may not communicate, in connection with the collection of any debt, with any person other than a consumer, his attorney, a consumer reporting agency if otherwise permitted by law, the creditor, the attorney of the creditor, or the attorney of the debt collector.
( c ) Ceasing communication If a consumer notifies a debt collector in writing that the consumer refuses to pay a debt or that the consumer wishes the debt collector to cease further communication with the consumer, the debt collector shall not communicate further with the consumer with respect to such debt, except -- ( 1 ) to advise the consumer that the debt collector 's further efforts are being terminated ; ( 2 ) to notify the consumer that the debt collector or creditor may invoke specified remedies which are ordinarily invoked by such debt collector or creditor ; or ( 3 ) where applicable, to notify the consumer that the debt collector or creditor intends to invoke a specified remedy.
If such notice from the consumer is made by mail, notification shall be complete upon receipt.
( d ) " Consumer '' defined For the purpose of this section, the term " consumer '' includes the consumer 's spouse, parent ( if the consumer is a minor ), guardian, executor, or administrator.
806. Harassment or abuse [ 15 USC 1692d ] A debt collector may not engage in any conduct the natural consequence of which is to harass, oppress, or abuse any person in connection with thecollection of a debt. Without limiting the general application of the foregoing, the following conduct is a violation of this section : ( 1 ) The use or threat of use of violence or other criminal means to harm the physical person, reputation, or property of any person.
( 2 ) The use of obscene or profane language or language the natural consequence of which is to abuse the hearer or reader.
( 3 ) The publication of a list of consumers who allegedly refuse to pay debts, except to a consumer reporting agency or to persons meeting the requirements of section 1681a ( f ) or 1681b ( 3 ) 1 of this title.
( 4 ) The advertisement for sale of any debt to coerce payment of the debt.
( 5 ) Causing a telephone to ring or engaging any person in telephone conversation repeatedly or continuously with intent to annoy, abuse, or harass any person at the called number.
( 6 ) Except as provided in section 1692b of this title, the placement of telephone calls without meaningful disclosure of the caller 's identity.
807. False or misleading representations [ 15 USC 1962e ] A debt collector may not use any false, deceptive, or misleading representation or means in connection with the collection of any debt. Without limiting the general application of the foregoing, the following conduct is a violation of this section.
I'm sure an investigation into these numbers would show that the numbers are in fact linked to the MRS Assoc. Further more the use of txt messaging to convey an attempt to collect a debt is the equivalent of sending mail with the stating along with the name that an attempt to collect a debt on the front of an envelope.
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| 07/17/2023 |
Yes |
- Debt collection
- Other debt
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- Attempts to collect debt not owed
- Debt was paid
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Web |
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This letter is an attempt to resolve a $ XXXX alleged debt and XXXX collection account resulting from an erroneous {$1200.00} XXXX bill for wireless phone service and XXXX device charges generated from XX/XX/XXXX to XX/XX/XXXX, despite my documented call to cancel XXXX XXXX service on XX/XX/XXXX and despite having returned all XXXX devices in original packaging/condition for full refund back on the same date XX/XX/XXXX, all in accordance with XXXX instructions and with our contractual agreement.
Despite the devices returned in accordance with contractual agreement and service cancellation, and confirmation of return by XXXX tracking, charges erroneously continued to be billed to my account for XXXX XXXX service, device payments, and additional fees/charges totaling a sum of the current alleged debt by XXXX and XXXX collection entity.
XXXX failed to correct the error and discrepancies on my XXXX XXXX account, despite multiple calls from me into customer service, promptly notifying them of the errors/discrepancies and demanding resolution.
XXXX agents identified/confirmed the errors/discrepancies on my account on multiple occasions and assured me that the errors and discrepancies would be corrected and charges reversed. However, the efforts by XXXX agents to correct the errors failed each time, and caused further erroneous charges.
Since this debt is due to errors on XXXX part, I am demanding that all debts, charges, and billed amounts assessed after my request to cancel XXXX service on XX/XX/XXXX ( with return of all XXXX devices documented on the same date ) be cancelled, and that XXXX XXXX and their collection agency MRS BPO , LLC immediately cease all debt collection and debt reporting activity with respect to my account.
The details and timeline of the events pertinent to the matter are as follows : XXXXOn XX/XX/XXXX, I visited XXXX online website and I ordered : an XXXX XXXX XXXX XXXX XXXX XXXX [ XXXX : see attachment, IMEI see attachment, Mobile no : XXXX ] that I will refer to as phone or XXXX and an XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX [ XXXX : see attachment, IMEI : see attachment, mobile no. XXXX ], that I will refer to as XXXX XXXX or watch.
At times I will refer to both the XXXX XXXX and the XXXX XXXX XXXX collectively as devices or XXXX devices I paid {$88.00} on the day of the above mentioned order ( see attachments ).
Per the attached sales agreement, Devices and accessories purchased between XX/XX/XXXX through XX/XX/XXXX may be returned or exchanged on or before XX/XX/XXXX since it was considered a holiday order. ( see attachment ) I was never able to get the XXXX activated.
I do believe that the watch activated, but because the phone was never activated ( due to XXXX system issue ), the watch was also unable to be used.
Thus, I was never able to use the XXXX XXXX service and I decided to return both the XXXX and XXXX XXXX within the penalty-free return period.
*On XX/XX/XXXX, I then visited the XXXX XXXX store at XXXX XXXX XXXX XXXX XXXX PA in an attempt to return both XXXX devices to a XXXX store in order to have immediate confirmation of a completed return. This is because I was not comfortable returning the devices by mail and trusting the XXXX infrastructure and systems to complete the return correctly ( id lost confidence given the inability of the system to process the simple phone activation in the first place ).
The device return was refused by XXXX associates at the XXXX XXXX store and I was told that the devices could only be returned by calling customer service since it was purchased online at the XXXX XXXX website.
I received a bill for {$150.00} ( a significantly higher amount than the originally quote XXXX XXXX monthly service charge ).
Since my device return was refused at the physical XXXX XXXX location, I decided to pay the {$150.00} XXXX bill ( see attachment ) even though I was planning to return the devices ( and had not used ANY XXXX XXXX service ).
I did this to prevent any outstanding charges on the account after my return, because I was also not confident that XXXX systems would know to cancel this bill when I returned the devices by mail. ( see attachment ) *Unfortunately, I fell quite ill with XXXX within days, delaying my ability to return the device by just over 1 week. ( see attachment ).
*On XX/XX/XXXX, I called XXXX customer service and after substantial wait time, I reached a female customer service agent.
I requested cancellation of my XXXX XXXX service for both the phone and watch because I no longer wanted to continue service with XXXX and I requested immediate return of all XXXX devices back to XXXX for full refund.
I stated that I had attempted to return the devices and cancel XXXX service in person at the XXXX XXXX store and was refused and she confirmed that this is XXXX policy for orders originally placed online.
The customer service agent confirmed that I was appropriately within the return window per the sales agreement to cancel service and return the devices for refund without penalties as long as I shipped the devices by XXXX XXXX.
I was told that due to my recent payment, that there should be no balance due on the account after the return, but that the agent was unable to confirm at that time. I was told that I may receive a regular monthly bill in the meantime, and that once devices were received, that I should allow at least one billing cycle/30 days for the account to update to reflect the return and canceled service with XXXX balance.
The customer service agent sent me a paid XXXX return label via email ( see attachment ) and confirmed that I should return the XXXX and XXXX XXXX in their original packaging via XXXX using the paid shipping label that she provided *within hours on the same day XX/XX/XXXX, I packaged the XXXX and XXXX XXXX in original packaging as instructed with all of the original accessories and manuals.
I affixed the XXXX shipping label provided by XXXX customer service, per XXXX instructions.
I then dropped off the return package containing the XXXX and XXXX XXXX on XX/XX/XXXX to XXXX at XXXX XXXX [ tracking XXXX XXXX XXXX XXXX XXXX XXXX ] ( see attachment ).
*On XX/XX/XXXX, I received a confirmation from XXXX, that the device shipped successfully on XX/XX/XXXX and was delivered XX/XX/XXXX to XXXX return center. ( see attachment ) *On XX/XX/XXXX, I received a bill from XXXX XXXX for {$350.00}.
I called XXXX Customer Service, but was traveling at the time, and I did not successfully reach a customer service agent within a reasonable wait time.
I was concerned at that time by receiving what appeared to be another monthly service bill, well after the time the devices had been received by XXXX, and also after having sent an extra payment in XXXX.
But I also kept in mind what I was told by the prior customer service agent.
*On XX/XX/XXXX, I received a notice from XXXX that your account changes are complete referencing line ( s ) ending in : XXXX. ( see attachment ).
At the time, I was under the impression that this meant that the return had finally been processed and was complete as this was about one billing cycle later, consistent with what the the original customer service agent had told me.
*However, on XX/XX/XXXX, I received a notification about a pending SIM change /device transfer that I did not initiate, request, or authorize.
A mobile number that I did not recognize was listed mobile line ending in XXXX ( see attachment ).
At that point, I realized that XXXX had made a significant error and that my return was clearly not processed appropriately.
I called XXXX Customer Service and spoke with customer service agent XXXX on XX/XX/XXXX at XXXX.
Customer service agent XXXX confirmed that both the XXXX and XXXX had been received in their original packaging and condition per agreement and sent within the approved penalty-free device return window, per XXXX instructions .
Customer service agent XXXX told me that he saw notes in the XXXX system from the prior customer service agent on XX/XX/XXXX indicating that I had called to cancel my XXXX XXXX service and that a device return was initiated and completed.
Customer service agent XXXX told me that the service cancellation was not completed properly by the prior agent, and that the error resulted in my XXXX XXXX service erroneously continuing with additional monthly charges.
Thus, It was at that time that I learned that negligence on the part of the XXXX customer service agent that processed my return on XX/XX/XXXX led to the initial errors and erroneous charges on my account.
Customer service agent XXXX assured me that he would escalate the matter so that my XXXX XXXX service could be canceled appropriately and all charges reversed.
Customer service agent XXXX also stated that he would request for refund of the {$150.00} that I paid on XX/XX/XXXX for XXXX Service that I was unable to use, in light of the devices having been returned.
I was told that account charges should update within on thee billing cycle over next 30 days.
*Days later around XX/XX/XXXX, I received a Default letter in the mail from XXXX dated XX/XX/XXXX.
The letter alleged a total balance of {$350.00} was due including a device payment or payment plan agreement of {$61.00} ( despite all devices having been returned over a month prior on XX/XX/XXXX ). ( see attachment ) Furthermore, the default letter contained a device mobile number XXXX that I was/am not familiar with, never requested, never authorized, and which was not on my original order ( see same attachment ).
When I opened the pay my bill page online at XXXX to confirm what information the system was showing at the time, I saw that the system displayed a total of {$350.00} that the system labeled as due on XX/XX/XXXX and additionally displayed a total of {$180.00} labeled as past due.
The page did not show any details regarding what the charges were for.
However, any reasonable person would have concluded, as I did, that services were still erroneously active despite my phone call days earlier and despite service cancellation request and device return back on XX/XX/XXXX.
*On XX/XX/XXXX, at approximately XXXX I contacted XXXX by phone after an extensive wait and spoke to customer service agent XXXX and ultimately customer service manager XXXX. The phone call lasted well over an hour.
It was confirmed to me that prior customer notes dated XX/XX/XXXX were seen in XXXX system, documenting that I had called to cancel my XXXX XXXX services and receive instructions for returning both the XXXX XXXX XXXX and XXXX watch devices in their original packaging.
customer service manager XXXX confirmed to me that the entire history of the devices on the account showed XXXX usage confirming with documentation that devices had never been used.
customer service manager XXXX confirmed that he had finally successfully disconnected my XXXX XXXX service on the devices ( as should have been done on XX/XX/XXXX ).
Customer service manager XXXX assured me that the matter would be appropriately escalated and told me that he would personally follow-up on my account to make sure that all charges on the account were reversed and full balance on the account cleared.
Customer service manager XXXX stated that it may take 1-3 billing cycles, and that in the meantime I may receive bills showing erroneous amounts as it would take some time to fix the issues due to the escalation needed, but that I should ignore these bills until the charges were fully resolved on a final bill.
I was provided a Ticket # XXXX regarding the incident.
*On XX/XX/XXXX I received a notification that device promotional credit had been removed from my account because a device payment buyout was completed ( see attachment ).
At the time, I was under the impression that the phrase device payment buyout seemed consistent with customer service manager XXXX assurance that the device and service charges would be reversed and cleared.
XXXX XX/XX/XXXX, A letter was sent to me ( I did not receive until much later ) noting that a device payment eligibility check had been performed on the account at the time when I called XX/XX/XXXX ( see attachment ). Since I did not initiate/request/authorize/or approve any such action, this action was exclusively done by a XXXX Manager.
Meaning or significance was unclear to me at that time, but it was clear that actions were being taken to make adjustments to the account as customer service manager XXXX assured me.
*on XX/XX/XXXX, I received a confirmation that the service was terminated, but an outstanding balance of {$260.00} was alleged ( see attachment ).
I continued to wait for a final bill as the billing amounts seemed to fluctuate with changes that XXXX was making to the account as customer service manager XXXX had advised would occur.
*However, on XX/XX/XXXX, A letter was sent to me stating that XXXX XXXX claimed that I owed a debt of {$1300.00} and that the alleged debt was sent to collections with MRS BPO , LLC a XXXX entity.
I have not been provided with any documentation in order to validate the alleged debt.
However, it is reasonable to conclude that rather than reversal of all charges and billed amounts, new charges were apparently added ( Again, I was never provided an itemized bill for these charges, but one possibility appears to be that I may have been charged the full retail price for both the XXXX ( {$570.00} ) and XXXX XXXX XXXX ( {$520.00} ) that were returned on XX/XX/XXXX plus additional unclear charges ).
Thus, the presently alleged erroneous debt now clarifies that the actions taken in attempts to correct the errors on my XXXX account were ineffective, negligent and contributed to additional erroneous charges/debts.
This alleged debt is the result of invalid charges billed to me erroneously by XXXX XXXX for wireless phone/watch service and devices due to XXXX failure to cancel my XXXX XXXX service when appropriately requested on XX/XX/XXXX, failure to process my appropriately returned XXXX devices , failure to appropriately document and update/synchronize systems to reflect that I had returned all XXXX devices for full refund on XX/XX/XXXX in accordance with our agreement, and further negligent actions on my account by XXXX agents.
Since this debt is due to errors on XXXX part, I am demanding that all debts, charges, and billed amounts after my service cancellation XX/XX/XXXX, ( totaling {$1300.00} to my knowledge at this time ), be cancelled and for XXXX XXXX and their collection agency MRS BPO , LLC to cease all debt collection and debt reporting activity.
Furthermore I am demanding that XXXX return all payments that I have sent to them, totaling {$240.00}, for XXXX XXXX service/fees and for XXXX device XXXX ( XXXX and XXXX XXXX ) given that there was never any use of XXXX XXXX Service on these returned devices.
Thank You,
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| 04/09/2021 |
Yes |
- Debt collection
- Other debt
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- Attempts to collect debt not owed
- Debt was result of identity theft
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Web |
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Legal Department, I am a victim of identity-theft. I am writing to request that you block all the following fraudulent accounts in my files with XXXX, XXXX, and XXXX. This information does not relate to any transactions I made. I did not authorize anyone to use my personal information. I hereby exercise my legal rights enacted by Congress and The Federal Trade Commission, which explicitly states when a victim files an affidavit it shall be honored by all credit bureaus and all fraudulent information must be blocked within 4 days and proper notification shall be given to all furnishers pursuant to section 605b of The Federal Fair Credit Reporting Act.
Failure to comply shall lead to complaints being filed with The XXXX XXXX XXXX, Consumer Financial Protection Bureau, and Attorney General with legal action of your companys unlawful collection practices, misrepresentation of reporting inaccurate debts, and noncompliance to adhere to laws enacted to help who are victims of identity-theft. I request that an extend fraud alert be placed in my file explaining that fraudulent applications may be submitted in my name. Do not extend credit without first contacting me personally and verifying all applications.
Furthermore, as victim of identity-theft I received notification that my personal information was compromise in the several different data breaches. It has made it difficult to resolve this matter in a timely fashion. I have made several attempts to resolve this. If action is not taken to properly assist me with this matter within 15 days.
I shall file a class action lawsuit for violating the FCRA and FDCPA violations are as follows not limited to reporting inaccurate information, reporting information that resulted from crime ( s ) and/or crime ( s ) of identity-theft, unlawfully collections of debt, calling after designated hours by law, defamation of character, and misrepresentation of true credit worthiness. I ask that all fraudulent information listed below be removed without question. I have fraudulent accounts, employers, misspellings of my name, and address that are associated with crimes that were committed against me.
Once deleting all fraudulent information, you acknowledge that it is indeed fraudulent and resulted from crimes of identity-theft. By doing so you adhere to the FCRA that make it unlawful of any, some, or all information to be transferred, sold to another collection agency or reinserted one 's credit report once it is deemed as fraudulent. You also understand in order to reinsert information to a consumers credit report notification must be given 5 days prior to reinsertion. Failure to comply will also be a violation of the Federal Fair Credit Reporting Act and Fair Debt Collection Practice.
The below-listed accounts by the Original Creditors, who have reported these accounts within my credit reports, were not opened by me. I also did not give my authorization for anyone else to open these accounts. Someone else of who did these that I did not know.
Policy states.
According to the Fair Credit Reporting Act FCRA 611 ( 15 U.S.C 1681 ), Procedure In Case of Disputed Accuracy.
( a ) Reinvestigation ( 1 ) Reinvestigation ( a ) In general. Subject to Subsection ( f ), if the completeness or accuracy of any item of information contained in a consumers file at a consumer agency is disputed by the consumer and the consumer notifies the agency directly, or indirectly through a reseller, of a such dispute, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller.
Therefore, my position is being clearly stated, these accounts do not belong to me, meaning that you are reporting inaccurate account information within my credit file. The fact that these are inaccurate account information means that you, this credit-reporting agency, are reporting incorrect accounts.
Finally, you are reporting the INQUIRIES that are the result of the same type of fraudulent activities. It must be noted that I did not apply for credit accounts with the below-listed companies and creditors, some of these are the result of attempts to open accounts, but the companies did not approve the accounts.
Therefore, these inquiries must be deleted from within my credit file. You can not delete the fraudulently opened accounts without also deleting the fraudulent inquiries.
It should be noted that an inquiry that was not made by me is not a factual record, just as a fraudulently opened account is not a factual record and not referred to the creditor to be disputed directly with them. The credit reporting agencies have attempted to address an inquiry as a factual record of file access, but if it was done through fraudulent means, it is not a factual record. As a consumer I should not be required to dispute each fraudulent inquiry directly with each company. These inquiries are the result of fraudulent activity and therefore, inaccurate in which the credit reporting agencies or the creditors can not verify, meaning that these inquiries are unverifiable information and must be deleted from out go my credit files.
1. MRS BPO bal. {$1600.00} I am well aware of my rights as a consumer. The Fair Credit Reporting Act requires that you, the credit-reporting agency report accurate and/or correct account information within my credit file. My credit issues are very specific, these accounts and/or items do not belong to me. This means that you are reporting incorrect account information within my credit report. It is this in mind that I request that these listed accounts and items be Blocked and Deleted.
According to the Fair Credit Reporting Act FCRA, Section 1681c ( 2 ) Block of information resulting from identity-theft.
1.Block. Except as otherwise provided in this section, a consumer reporting shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity-theft, not later than four ( 4 ) business days after the date receipt by such agency of 1. Appropriate proof of identity of the consumer ; 2. A copy of an identity theft report 3. The identification of such information by the consumer ; and 4. A statement by the consumer that the information relating to the transaction by the consumer.
I have provided all of the above listed four ( 4 ) items within this package. Therefore, I expect these listed accounts to be deleted and blocked within ( 4 ) business days. This is clearly an identity theft issue. I am also entitled to receive a free copy of my credit report, so I am requesting a free credit report and that all of these accounts, public records items, and inquiries be permanently blocked and deleted.
Enclosures : Identity Theft Report Proof of Identity Copy of Account Statement showing Fraudulent Items FTC Notice to Furnishers
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| 11/15/2020 |
Yes |
- Debt collection
- I do not know
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- Written notification about debt
- Didn't receive enough information to verify debt
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Web |
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On XX/XX/2020 I received a XXXX letter in a white envelope from MRS BPO LLC demanding payment for {$5700.00}. I am disputing this alleged debt as well pointing out violations that are this company is liable for under 15USC 1692k. In addition this is a blatant violation of the emergency Act 23-286, the COVID-19 Response Supplemental Emergency Amendment Act of 2020 ( Emergency Act ) of the XXXX XXXX XXXX. My dispute is below and attached The undersigned private man/woman, one of the people, protected under Article III Section 2 of the Constitution for the United States of America, with a legal identity known as a federally protected Consumer ( natural person ) -1692a ( 3 ), codified within the Fair Debt Collections Practices Act 15 U.S.C. 1692, a strict liability statute that applies to and demands compliance from debt collectors such as yourself, presents this offer to MRS BPO L.L.C in response to your communication dated XX/XX/2020 : As no meaningful relationship is known to exist between myself and your agency, in the absence of a valid and lawfully binding contract between myself and your agency, your recent, unintelligible communication, dated XX/XX/2020, has left myself, a federally protected consumer, stark with confusion. Pursuant to 15 U.S.C. 1692c ( a ) & ( b ), Communication with the Consumer generally- Without the prior consent of the consumer given directly to the debt collector or the express permission of a court of competent jurisdiction ( court of the United States ), a debt collector may not communicate with a consumer in connection with the collection of any debt. *Violation # 1 The consumer has not authorized any right of prior communication between him/herself and MRS BPO L.L.C.. So that you may avoid being assessed a compensatory liability for your invasion and trespass into my private affairs, you are hereby ordered to produce documentation, such as a consent order, signed by the consumer and your collection agency, or a court of competent jurisdiction and your collection agency, that may serve as evidence of the prior consent and/or permission provided to you for the purpose of communicating with the consumer in connection with the collection of any alleged debt. Your unauthorized contact serves as both an invasion and trespass of the consumers legally protected interests that are concrete and particularized and have invoked the consumers Article III standing and jurisdiction. Furthermore, your unwarranted communication serves as an attempt draft performance from XXXX XXXX XXXX, the consumer ( natural person ), without offering adequate and just compensation. Within the four corners of your communication exists the following statement ( s ) Unless you dispute the validity of this debt or any portion thereof in writing, within 30 days, this office will assume this debt to be valid. The term unless, according to XXXX XXXX online dictionary, is a term used to say what will happen, be done, or be true if something else does not happen. Although I am under no duty nor obligation to respond to your frivolous communication, you leave me without choice in this matter, due not only to the financial burden this would place upon myself and family, but also the imminent and immediate danger my reputation and standing would suffer as a result of such non-response. Take Notice that pursuant to 15 U.S.C. 1692d ( 1 ) debt collectors such as yourself are prohibited from engaging in any conduct the natural consequence of which is to harass, oppress, or abuse any person in connection with the collection of any debt. Violation # 2 As I, the Consumer, would be one of the original transacting parties with verifiable first hand knowledge of any and all consumer transactions I've executed, I am unable to verify and determine the origin of your claims asserted within this unsigned communication that youve chosen to advance via the United States Postal Service ( USPS ) against myself, my family, and my household. With that being said, it appears that you claim to have recovered an alleged asset account # XXXX of mine. Thank you for the retrieval of this alleged account. However, as stated above, no meaningful relationship exists between myself and your organization, therefore I am confused as to why you have made the demand that I pay your organization {$5700.00}? Are you putting forth a claim that I am indebted to your organization? If so, you are hereby in receipt of notice under U.S. Code TITLE 15 > CHAPTER 41 > SUBCHAPTER V > 1692g part b ), that your claim is DENIED, and this debt is now officially in dispute. To dispel any notion or confusion about the legitimacy of the alleged account # XXXX and debt, as well as to process and settle any and all claims, payment of the alleged obligation is conditional upon debt collectors complete and unambiguous fulfillment of the following terms set forth ( hereinafter-Terms & Conditions ). Debt Collector has thirty ( 30 ) days to properly and timely verify and validate the alleged account and debt as follows : a. Present all original account/loan level documentation from the original transacting parties containing verified signatures from all original transacting parties verified under oath and penalty of perjury to support your claim of indebtedness.
In addition by this company having my personal identifying information it appears to be identity theft on behalf of the company which is a federal violation as I did not authorize them to have my information which may include the consumers social security number
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| 06/13/2022 |
Yes |
- Debt collection
- I do not know
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- Written notification about debt
- Didn't receive notice of right to dispute
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Web |
Older American |
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MRS ACCT zzzz RE XXXX XXXXL XXXX I DISPUTE THIS AMOUNT <<< Hello this is regarding my nightmare with XXXX XXXX. I will try to be brief.
I ordered shoes from XXXX.
I chose XXXX XXXX as my method to pay. Next button was Submit - so I clicked - and as I did, I saw that XXXX XXXX had submitted the shipping address.!!!!
>>>>>>. An address I had not used in YEARS a friends address.
My friend had sold her home years prior. So - my shoes are now set to be sent - at the direction of XXXX to someone I dont even know!!
I tried in vain to edit the shipping address via the XXXX website. Their website allowed no way to edit. A shortcoming on the part of XXXX I finally enlisted the help of a friend in the USA ( yes - I am a USA citizen/ but I have lived in XXXX these past years on my social security as I can not afford to live in the USA ) My friend made many calls and finally got through to a XXXX supervisor - who said she could not stop the shipment!! but that when it reached its destination she could have it grabbed from the dock and returned to XXXX. So - I told my friend to have her do this. My friend also tried to call XXXX but was unable to speak to any human being on my behalf.
Then I realized that XXXXl was still going to send payment to XXXX. I continued to try to reach XXXX to remove that old shipping address. No way to speak with a human Only AI / Computer generated auto-responses.
I spent many many hours, trying to communicate with XXXX. All I got were computer responses from XXXX. meanwhile - XXXX was about to pay XXXX per my original order the one in which XXXX submitted the WRONG ADDRESS!!!!!
So - I think this all took place within 24 hrs or maybe within minutes!!!.. I contacted my USA bank to stop the payment to XXXX. At the same time I guess.. XXXX paid XXXX And XXXX nabbed the shoes and issued me a refund..
It all took place within hours but because I had no way to speak with a human being at XXXX I couldnt fix it .. Or remedy it in any way.
I was and completely willing to pay them the money that I owe but I wanted a HUMAN BEING to assure me that that old defunct shipping address - was out of their system and that this would NEVER happen again. AND - after receiving nothing but Computer generated auto responses- I decided to just pay - But THEN when I tried to log into my XXXX account - I found that can not even access my account any more!!! So there was no way to pay them!! Again I tried to communicate via email that I couldnt log into my account - to pay but all I got was computer auto responses. NO HELP.
I wrote many emails to XXXX. Im poor I can not afford to phone an 800 # and sit on hold for what very well could run up an international phone bill of more than the {$110.00}.
I have copies of my emails with XXXX I was totally willing to pay them the {$110.00} I simply wanted a response from a HUMAN not a computer.
Nothing Meanwhile- A few months later, a service that sells occasionally, my art deposited into my XXXX account 2 sales. I seldom sell anything so this was a surprise! See these dates : deposited from XXXX XXXX into My XXXX account. ( an account I can not even long into any more. ) {$50.00} on XX/XX/2021 AND {$4.00} on XXXX XXXXXXXX XXXX So the total amount of {$50.00} was deposited into my Pay Pal account by XXXX XXXX XXXX So {$110.00} that I owe, less the XXXX XXXX deposit amount of {$54.00} - comes to NOW only >>>>>> {$55.00} TOTAL AMOUNT that I owe to XXXX XXXX <<<<<<<<<< I really would like to get this behind me- and hope that this fiasco can be closed.
I do want XXXX to show evidence that the OLD SHIPPING ADDRESSES used over the last decade have been removed- so that this will NEVER HAPPEN AGAIN.
I have been unable to correspond with a Human Being at XXXX.
I will then send a check to you to clear this up. {$110.00}/ less the {$54.00} from XXXX XXXX comes to {$55.00}. This is what I owe to XXXX XXXX.
XXXX has no postal service!! I can write a check and send it along with a person flying to the USA who will then mail it for me.
What a mess. Thank you for taking the time to weed through all of this. I have spent HOURS AND HOURS trying to deal with this- with XXXX since the order was placed last year.
Im almost XXXX XXXX XXXX. It is not easy. Thank you again.
NOTE XXXX I use my son 's address. I have been living in XXXX because I can not afford the USA and health care there SUCKS ( sorry ) -- - so - he brought me the letter from the MRS agency regarding pay pal.
XXXX has NO POSTAL SERVICE!!! you can google to see this is true -- so I have no way to mail anything ... unless I send it with someone flying up to the states...
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| 05/07/2023 |
Yes |
- Debt collection
- Other debt
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- Took or threatened to take negative or legal action
- Threatened or suggested your credit would be damaged
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Web |
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This is a dispute with MRS BPO , LLC that originated with XXXX XXXX XXXX XXXX XXXX
After three years of paying XXXX ( XXXX XXXX ) as agreed and one year after the initial incentive expired, they raised my monthly bill a second time.
XX/XX/XXXX, I called and requested the monthly charge be kept at the current rate. I was told there was nothing they could do, and they would not negotiate the current terms.
With this information, I shopped other internet providers and chose a competitor to switch to. The new competitor set an appointment for a week or so down the line. They then came to my home and established service.
That same day I called to XXXX ( XXXX ) to cancel their service. At that point they attempted to negotiate to keep me as a customer. They offered to lower my monthly billing to the initial incentive billing ( lower than I requested ) and to pay any cancelation fee to the new provider.
If they had offered to negotiate when I first called, I would have not changed providers. But I this point I had spent the time and effort to find a new provider and it made no sense to call them back that same day and ask them to cancel the service they just established. I also didnt trust XXXX to come through with their offer as this contradicted what the previously said they could do.
After a long hard sell from the XXXX representative, I declined XXXX offer. At this point they said I was due {$99.00} for the current months service which stared two days prior to me calling. I agreed to pay for the two days of service I utilized but it did not make sense for me to pay for 28 days of service that I would not be using. The agent indicated they are charge on a monthly service fee basis and they would not waive the other 28 days. She described the service fee that it was like XXXX. Once you cancel, you have access to the service to the end of the period.
This comparison makes no sense since I can watch XXXX after cancelling but I can only use one internet provider at a time. Plus, if they had worked with me in a timely manner, we would not have gone two days into the next billing cycle. I was told that was my fault because I did not read their terms of service.
I again agreed to pay for the two days of service I but requested they waive the charge for the remainder of the period. I was told they could not waive the charge and they can not negotiate the charge. Wait, I was told they could not negotiate when I initially called to have them not raise my monthly billing but then they were willing to negotiate when I called to cancel?
XXXX did not act in good faith when trying to come to a satisfactory resolution. This was a one-sided negotiation by XXXX who chose to negotiate only when it benefitted them.
They had me for a customer for three years where I paid on time each month. I was not looking to change providers, but I moved to another provider because their policy on retaining a customer doesnt kick in until you actually call to cancel. Their response was to hit for another {$99.00} as I went out the door.
Again, I will pay XXXX for the two days of service, but I am not paying them the {$99.00} out of the principle of the situation. They have a horrible policy of not negotiating the service fee.
They have not only lost me as a current customer but as a future customer as well. I feel it is ironic that almost daily I receive a XXXX solicitation for service in the mail. How foolish is it to drive away a customer and them beg for their business at the same time.
XXXX previously sent my account to XXXX XXXX XXXX XXXX XXXX which I disputed with the CFPB. XXXX corrected the reporting to the credit bureaus.
XXXX subsequently sent my account to MRS BPO , LLC for collection. I provided them with the information on my dispute with XXXX. They did not respond to the information provided.
On XX/XX/XXXX, MRS BPO , LLC reported an unpaid collection to XXXX and XXXX credit bureau services.
MRS BPO , LLC XXXX XXXX XXXX XXXX XXXX, NJ XXXX ( XXXX ) XXXX
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| 08/02/2021 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
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- Incorrect information on your report
- Account status incorrect
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Web |
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My complaint is about XXXX and a collection company pretending to be XXXX, the car manufacturer. Their legal name is MRS BPO , LLC and DBA XXXX XXXX ; XXXX XXXX XXXX XXXX ; XXXX XXXX ; XXXX XXXX XXXX and others. They have a history of telephone # s right on the XXXX credit reports, where their New Jersey telephone # is in two addresses, one NJ and the other, a XXXX XXXX XXXX XXXX XXXX, IA. Some reports show an XXXX # but most reports going way back have the NJ telephone #. I have disputed this fraudulent company to TransUnion XXXX XXXX XXXX approximately XXXX times but XXXX has never provided any verifying information to me and they never actually investigate the disputes. The real XXXX XXXX XXXX, along with XXXX XXXX XXXX XXXX XXXX XXXX closed my account on XX/XX/XXXX. For the first few years the fake XXXX XXXX co reported the same and then they took the closed date off the my credit report for several months, making it look as though the account was still open. Since then they reported my account closed 2 more times on XX/XX/XXXX and XX/XX/XXXX which kicks off late payments XXXX days each time they report it closed. I have the credit reports from XXXX going back to XXXX but XXXX doesnt have access to previous credit reports. XXXX says they do an investigation but they only give my dispute information to the collection agency to verify and of course they say yup its all correct everything is correct. Meanwhile, they dont even have a real XXXX account # or any other account # that I can use to get further information. I have been given ZERO validation that this liability is mine and that they have the legal right to collect it.
I will be suing both TransUnion and this fraudulent collection company due the many damages I have incurred as a result of there fraudulent actions and TransUnions blatant disregard of the laws surrounding privacy and credit reporting. While my primary complaint is what Ive written so far, I must say that I am 100 % shocked by the fact that NO ONE is actually governing the credit reporting agencies at all!
Further I am thinking about all of the taxes that I paid to the IRS and to the State of CT, from $ XXXX to $ XXXX per year in my prime and for a good XXXX years of the same. My tax dollars fund the very same incompetent departments that are supposed to be protecting us from these things, when in fact, these agencies are completely useless. They literally do nothing except to refer consumers to articles on their website.
I will upload as many documents as this system will allow me up to XXXX or XXXX docs : TU credit reports showing the XXXX co XXXX XXXX closed account dates ; the first bills I received from MRS BPO , LLC and on the report dated XX/XX/XXXX it shows XXXX XXXX XXXX, which is not affiliated with the real XXXX, and a status of closed, which they reported closed the prior month XX/XX/XXXX. I also uploaded a snapshot from Toyota.com the car manufacturers. You will see that the name of the corporation is, XXXX XXXX XXXX and their subsidiary co that provides car loan and leases is call XXXX XXXX XXXX XXXX XXXX XXXX. I believe that TransUnion was given the complaint I made to another department which I made in error to the wrong dept so I thought. Anyway, I received XXXX pages in XXXX envelope containing XXXX letter from TransUnion XXXX or 2 days ago. I have attached them. They acknowledge my dispute and due to additional information they received they pushed their reply date out by 15 days. The next letter said that they received my cancellation of the dispute and they have closed it. The XXXX letter said something else I dont remember at this moment. I did not request that they cancel the dispute. I cant even get into my TU account because of technical problems ( as usual ) and when i could get into my account I wasnt able to upload any documents to them. The correct name and address of the fake XXXX XXXX co is : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NJ XXXX Phone # : XXXX Thank you.
|
| 04/26/2018 |
Yes |
- Debt collection
- Credit card debt
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- Attempts to collect debt not owed
- Debt was paid
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Web |
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Near the beginning of XXXX I was employed by a couple in our local mall here in XXXX, NC. They owned a couple different kiosks in the middle of the mall such as the phone case kiosk i worked at and also a jewelry kiosk beside it named XXXX XXXX. One day I saw a rose gold XXXX XXXX watch that I liked and they told me they could finance it for me so i could pay it off within 3 months or 90 days no interest and no fees. The watch was XXXX dollars and knowing that is an easy amount to pay off within 3 months I went for it. The first payment came out of my account on XX/XX/XXXX at XXXX, but then the financing company XXXX XXXX, immediately began to take money continously out of my account, again on the XXXX of XXXX at XXXX and again the very next day for XXXX. In XXXX they withdrew again several different times ( the XXXX, XXXX, the XXXX XXXX amd the XXXX ). My bank statements will also be attached for those two months with the withdrawls highlighted in green.
When I realized what had been happening I immediately called the company and told them there was a mistake because i had already paid XXXX dollars which is more than I ever owed in the first place, and I had paid it all within less than two months so there's no way I had any late fees or anything. They told me I had aquired interest of some sort and that I owed them around XXXX more dollars which then I knew for sure was a fraud.
I went back to my previous employer who I had financed it with and they THEN informed me it was a leasing company, which no one had told me before when they took my information off the employee paperwork and financed it in my name.
They also could not give me a copy of any of the paperwork or the exact amount they had originally financed me for. They did express that this had happened before to multiple customers and even to them theirselves so they had stopped using this company, and they suggested I close my bank account and the withdrawls would stop, so that day I closed out my bank account and the calls stopped and withdrawls obviously as well.
I have NEVER recieved another call or email or letter of any kind regarding this since that day in XXXX, XXXX up until XX/XX/XXXX when i went to get a loan for my new car.
I realized on my credit report it said I had an account in collections and I knew it was a mistake because I hadn't owed anything, but sure enough I called the collection agency MRS BPO LLC. and it was an account turned over to them from XXXX XXXX. I called them to see why I had never recieved a phone call and they told me they had just gotten ahold of my account the week before which I had a hard time believing.
I explained my situation to them and they didn't care they told me I owed them XXXX and that they wanted their money and they'd give me a " good deal '' if I just went ahead and paid it that day.
I was going to pay the lump sum but my mother advised against it because they would not send me documented assurance that they would remove the debt account or written prood of the debt, nor the original amount that was financed.
I contacted XXXX XXXX who also told me they could not even access my account since it was in collections so they could not tell me anything either. I have been back and forth with each company, I sent a dispute letter to the collection agency and they would not sign for it ( I sent it certified on XXXX XXXX ) and have gotten no response to that. Recently they mailed me a new letter reducing the payoff price down to around XXXX dollars, but they still would not give me written statements saying the debt would be paid in full after that.
I am writing you in hopes that you will be able to assist me to resolve this so I can have it removed from my credit report, allowing me to refinance my car for a better rate and not be hindered from future purchases because of false information.
|
| 03/21/2018 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Account information incorrect
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|
Web |
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On XX/XX/XXXX, I contacted XXXX XXXX to pay off the entire balance that had been forwarded to them from XXXX XXXX for my XXXX XXXX XXXX The amount I was advised to pay was {$1800.00} and I asked them if this was a pay in full amount or a settlement amount. They confirmed that this was a pay in full amount. I then ran my credit in XX/XX/XXXX and contacted XXXX XXXX as I saw that the amount reporting was over {$2000.00}. I was forwarded to XXXX in the Deficiency Balance Department and requested information as to why I had only paid a partial balance of what was reporting on my credit report. She stated that while it showed I had a deficiency balance of over {$900.00}, it was okay, that even if I paid her while on the phone, my credit report would still show when it ran end of XX/XX/XXXX that the balance was XXXX. She refused to take any monies from me as said that XXXX XXXX was the only company that could handle payment processing. I contacted XXXX XXXX again that month to advise that I needed to make sure that the correct amount was what they had processed and I didn't need to pay them more. Based on the information from MRS as well as XXXX, I did not make an additional payment.
In XX/XX/XXXX, I saw my credit report ran and it still showed that I had a balance of over {$900.00}. I contacted XXXX XXXX in XX/XX/XXXX and was advised that my account showed charged off on their end and that I had paid on a Settlement. I asked them to go back and listen to my XX/XX/XXXXcalls to confirm that I had been told that this was not a Settlement amount and that I needed to make sure it showed on my credit report that I had paid the balance in full. These funds had been obtained from an inheritance from my dad passing in XX/XX/XXXX. My intentions were to pay off all my debt with other companies so that in XX/XX/XXXX, I could buy a house. I was told that they would go back and listen to the calls and get back with me. I never heard back so contacted the end of XX/XX/XXXX and they told me that if I had any problems, I would need to reach out to XXXX XXXX.
I contacted XXXX XXXX and was advised that they were not a collection agency and that they had only processed the amount that XXXX had given them. I spoke with a supervisor named XXXX XXXX and he stated that their job is to take money and if they could process the remainder of {$900.00} that they would but this was up to XXXX. My credit report than ran end of XX/XX/XXXX and showed that it was now a XXXX dollar balance but comments showed that I had paid less than full.
In XX/XX/XXXX, I contacted XXXX and requested that they dispute this with their credit team. I reviewed the details that I have stated so far. I never heard from them so disputed with XXXX who then forwarded a direct dispute to XXXX. In XX/XX/XXXX, I got a letter stating that my dispute was denied and that the comments were correct.
InXX/XX/XXXX, I saw that my credit report still had the same comments. I contacted them and advised that initially in the Summer of XX/XX/XXXX, I had asked what amount I could pay to pay off the account. They took off the fees and interest to reduce the amount to what I ended up paying MRS . However, I was never told that this was a Settlement. I advised XXXX of this who then again told me that it was something I would need to speak with XXXX XXXX.
On XX/XX/XXXX, I contacted XXXX XXXX and advised XXXX that I would need a pay in full letter confirming that I paid them the balance in full so when applying for a mortgage, it would show that I did make the payment in full and did not pay for less than full balance. he said that the only thing he could send was that the matter has been resolved. I have now sought legal advice and was told to make a formal complaint thru here.
Thank You, XXXX XXXX
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| 11/27/2019 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Information belongs to someone else
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|
Web |
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Request for VALIDATION, NOT Verification XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XX/XX/2019 MRS ASSOCIATES XXXX XXXX XXXX XXXX XXXX, XXXX RE : XXXX To Whom It May Concern : This letter is being sent to you in response to notices sent to me from your company and more importantly, due to your erroneous reporting to the Credit Bureau
{ s }, the highly negative impact on my personal credit report. Please be advised that this is not a refusal to pay, but a notice sent pursuant to the Fair Debt Collection Practices Act, 15 USC 1692g Sec. 809 { b } that your claim is disputed and validation is requested. This is NOT a request for verification or proof of my mailing address, but a request for VALIDATION made pursuant to the above-named Title and Section. I respectfully request that your offices provide me with competent evidence that I have any legal obligation to p
ay you.
Please provide me with the following : What the money you say I owe is for : Explain and show me how you calculated what you say I owe : Provide me with copies of any papers that show I agreed to pay what you say I owe : Provide a verification or copy of any judgment if applicable : Identify the original creditor : Prove the Statute of Limitations has not expired on this account : Show me the you are licensed to collect in my state : Provide me with your license numbers and Registered Agent or Agent of Service : At this time, I will also inform you that if your offices have reported invalidated information to any of the 3 major Credit Bureaus { XXXX, XXXX or XXXX } this action might constitute fraud under both Federal and State Laws. Due to this fact, if any negative mark is found on any of my credit reports by your company or the company that you represent, I will not hesitate to bring legal action against you for the following : Violation of the Fair Credit Reporting Act Violation of the Fair Debt Collection Practices Act Defamation of Character If your offices can provide proper documentation as requested in the following Declaration, I will require at least 30 days to investigate this information and during such time all collection activity must cease and desist.
Also, during this validation period, if any action is taken which could be considered detrimental to any of my credit reports, I will consult with my legal counsel for suit. This includes listing any information with a credit reporting repository that could be inaccurate or invalidated or verifying an account as accurate, when in fact there is no provided proof that it is accurate.
If your company fails to respond to this validation request within 30 days from the date of your receipt, all references to this account must be deleted and completely removed from my credit report and a copy of such deletion { to any/all of the 3 major credit reporting bureaus : XXXX, XXXX and XXXX } request shall be sent to me immediately.
I would also like to request, in writing, that no telephone contact be made by your company to my home or my place of employment. If your offices attempt telephone communication with me, including but not limited to computer generated calls and calls or correspondence sent to or with any third parties, it will be considered harassment and I will have no choice but to file suit. All future communications with me MUST be done in writing and sent to the address noted in this letter by USPS.
It would be advisable that you assure your records are in order before I am forced to take legal action against your company and your client. This is an attempt to correct your records, any information obtained shall be used for that purpose.
Best Regards, XXXX XXXX
|
| 10/15/2022 |
Yes |
- Debt collection
- Auto debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
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XX/XX/2022 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, GA, XXXX MRS BPO, L.L.C.
XXXX XXXX XXXX.
XXXX XXXX, NJ XXXX RE : MRS Account # : XXXX To Whom It May Concern : Be advised this is not a refusal to pay, but a notice that your claim is disputed and validation is requested. Under the Fair Debt collection Practices Act ( FDCPA ), I have the right to request validation of the debt you say I owe you. I am requesting proof that I am indeed the party you are asking to pay this debt, and there is some contractual obligation that is binding on me to pay this debt.
This is NOT a request for verification or proof of my mailing address, but a request for VALIDATION made pursuant to 15 USC 1692g Sec. 809 ( b ) of the FDCPA. I respectfully request that your offices provide me with competent evidence that I have any legal obligation to pay you.
At this time I will also inform you that if your offices have or continue to report invalidated information to any of the three major credit bureaus ( XXXX, XXXX, XXXX XXXX ), this action might constitute fraud under both federal and state laws. Due to this fact, if any negative mark is found or continues to report on any of my credit reports by your company or the company you represent, I will not hesitate in bringing legal action against you and your client for the following : Violation of the Fair Debt Collection Practices Act and Defamation of Character.
I am sure your legal staff will agree that non-compliance with this request could put your company in serious legal trouble with the FTC and other state or federal agencies.
If your offices are able to provide the proper documentation as requested in the following declaration, I will require 30 days to investigate this information and during such time all collection activity must cease and desist. Also, during this validation period, if any action is taken which could be considered detrimental to any of my credit reports, I will consult with legal counsel for suit. This includes any listing of any information to a credit-reporting repository that could be inaccurate or invalidated. If your offices fail to respond to this validation request within 30 days from the date of your receipt, all references to this account must be deleted and completely removed from my credit file and a copy of such deletion request shall be sent to me immediately.
It would be advisable that you and your client assure that your records are in order before I am forced to take legal action.
MRS BPO, L.L.C.
Please provide the following : Agreement with your client that grants you the authority to collect on this alleged debt. Agreement that bears the signature of the alleged debtor wherein he/she agreed to pay the creditor.
Any insurance claims been made by any creditor regarding this account.
Any Judgments obtained by any creditor regarding this account.
Name and address of alleged creditor.
Name on file of alleged debtor.
Alleged account number.
Address on file for alleged debtor.
Amount of alleged debt.
Date this alleged debt became payable.
Date of original charge off or delinquency.
Verification that this debt was assigned or sold to collector.
Complete accounting of alleged debt.
Commission for debt collector if collection efforts are successful.
Your claim can not and WILL NOT be considered if any portion of the above is not completed and returned with copies of all requested documents. This is a request for validation made pursuant to the Fair Debt Collection Practices Act. Please allow 30 days for processing after I receive this information back.
Best Regards XXXX XXXX XXXX cc Federal Trade Commission
|
| 05/18/2023 |
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
- Difficulty submitting a dispute or getting information about a dispute over the phone
|
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Web |
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To Whom It May Concern : Be advised this is not a refusal to pay, but a notice that your claim is disputed, and validation is requested. Under the Fair Debt collection Practices Act ( FDCPA ), I have the right to request validation of the debt you say I owe you. I am requesting proof that I am indeed the party you are asking to pay this debt, and there is some contractual obligation that is binding on me to pay this debt.
This is NOT a request for verification or proof of my mailing address, but a request for VALIDATION made pursuant to 15 USC 1692g Sec. 809 ( b ) of the FDCPA. I respectfully request that your offices provide me with competent evidence that I have any legal obligation to pay you.
At this time, I will also inform you that if your offices have or continue to report invalidated information to any of the three major credit bureaus ( Equifax, Experian, Trans Union ), this action might constitute fraud under both federal and state laws. Due to this fact, if any negative mark is found or continues to report on any of my credit reports by your company or the company you represent, I will not hesitate in bringing legal action against you and your client for the following : Violation of the Fair Debt Collection Practices Act and Defamation of Character.
I am sure your legal staff will agree that non-compliance with this request could put your company in serious legal trouble with the FTC and other state or federal agencies.
If your offices are able to provide the proper documentation as requested in the following declaration, I will require 30 days to investigate this information and during such time all collection activity must cease and desist. Also, during this validation period, if any action is taken which could be considered detrimental to any of my credit reports, I will consult with legal counsel for suit. This includes any listing of any information to a credit-reporting repository that could be inaccurate or invalidated. If your offices fail to respond to this validation request within 30 days from the date of your receipt, all references to this account must be deleted and completely removed from my credit file and a copy of such deletion request shall be sent to me immediately.
It would be advisable that you and your client assure that your records are in order before I am forced to take legal action.
CREDITOR/DEBT COLLECTOR DECLARATION Please provide the following : Agreement with your client that grants you the authority to collect on this alleged debt.
Agreement that bears the signature of the alleged debtor wherein XXXX agreed to pay the creditor. Any insurance claims been made by any creditor regarding this account.
Any Judgments obtained by any creditor regarding this account.
Name and address of alleged creditor.
Name on file of alleged debtor.
Alleged account number.
Address on file for alleged debtor.
Amount of alleged debt.
Date this alleged debt became payable.
Date of original charge off or delinquency.
Verification that this debt was assigned or sold to collector.
Complete accounting of alleged debt.
Commission for debt collector if collection efforts are successful.
Please provide the name and address of the bonding agent for MRS BPO , LLC in case legal action becomes necessary. Your claim can not and WILL NOT be considered if any portion of the above is not completed and returned with copies of all requested documents. This is a request for validation made pursuant to the Fair Debt Collection Practices Act. Please allow 30 days for processing after I receive this information back.
Best Regards, XXXX XXXX XXXX
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| 09/05/2023 |
Yes |
- Debt collection
- Credit card debt
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- Communication tactics
- You told them to stop contacting you, but they keep trying
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Web |
Servicemember |
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I was a model customer with XXXX XXXX XXXX XXXX. Had a Checking, Savings, Multiple Personal Loans and eventually several credit cards. All of my accounts were in good standing. Loans were paid off. Was carrying a balance on my Credit Card had a large available credit amount.
Then, oneday someone hacked my account and took a large sum of money. I filed a fraud request for a fraud investigation into the matter with XXXX XXXX. When I called customer Service, instead of them being understanding and professional they started threatening to imprison me and prosecute me if the Fraud investigation did not turn out in my favor.
Several months went by ... .I was finally notified that the Fraud Investigation revealed that my account was one of thousands that had been targeted by an internal source and had been hacked.
The fees during the investigation kept being accrued ... Covid had affected our Country and my Finances and I was assessed fees beyond my ability to pay. Despite trying to resolve the issue with XXXX XXXX... they sold my account to outside collection agencies. I have been harrassed and threatened and the letters keep coming.
Most recently, I received a phone call from MRS BPO LLC. a Bill Collector who has recently acquired my account from the previous Collector. They asked me why I have not rectified this account. I expained everything to the lady on the phone... .I explained to her that I was told that my account along with countless others had been compromised from inside the XXXX XXXX XXXX XXXX The lady from MRS then told me that I must file a police report and provide proof that my account was compromised by XXXX XXXX XXXX. I then told her that the fraud department will not give me that information and that XXXX XXXX conducted their investigation and that the cyber attack that affected my account and others was carried out in a manner that I do not have the expertise to track or decipher. XXXX XXXX will never release that information and I explained all of this to the Lady from XXXX XXXX XXXX.
The Lady then explained that it is my responsibility to send them a police report showing that I have pursued prosecution before they can help me.
I am the victim of a cyber security breach that allowed my account and countless others to be compromised and now I am being harrassed and belittled and treated as though I am the one who perpetrated the breach. XXXX XXXX XXXX XXXX nor any of the Collection Agencies to include the most recent one MRS BPO even care about what happened. This is so wrong on so many levels.
XXXX XXXX will never give me hard evidence that someone on the inside took members money. I asked if they could tell me who had hacked the system and the reply I got was... none of that matters ... what matters is that we know about it. I asked them..if they could assure me that it would not happen again ... ..and they said ... .they can not as it had been happening alot. They also told me that it had been an incident that had happened in a manner that sent the monies from the affected accounts to many untraceble Ip Addresses.
So, there is no way for me to get the information that the Lady from MRS BPO LLC suggest that I obtain and send to them. The lady became very beligerent and her tone was unprofessional as she became very accusatory and agressive. All of this is on a recorded line. I explained to her that she was not trying to help me, and that she was not listening and we were getting nowhere and that I was ending the phone call. I hung up and blocked her number.
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| 05/15/2015 |
Yes |
- Debt collection
- Other (i.e. phone, health club, etc.)
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- Cont'd attempts collect debt not owed
- Debt was paid
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Web |
Servicemember |
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My name is XXXX XXXX and I previously had an account with XXXX XXXX XXXX, however, I continuously paid my account in a timely manner by way of XXXX XXXX pay. When I received my XXXX 2012 - XXXX 2012 ( service period ) bill ( approximately XXXX XXXX 2012 ) it stated I had an unpaid balance of {$160.00}, so I paid {$160.00} in cash at the XXXX XXXX XXXX on XXXX. located less than XXXX minutes from my residence. I checked my bill pay first and saw that the payment was sent but the check never cashed ( nearly one month after it was sent ). At that time I was most certain the check was lost and would not be cashed. So I called my bank and cancelled the check ( {$29.00} ), meaning I could make the payment and hopefully avoid a XXXX payment that would lead to extended wait time getting my money back and/or " having a bad mark on my credit report. I also talked to XXXX XXXX prior to stopping payment on this check and let the agent know so my account could be annotated. I wanted to ensure everything was done well, so again after I made the payment through the service center I called back XXXX XXXX customer service and I was assured by the agent that everything was documented within the system. During that conversation I also learned that the reason my account past due is because my account number was changed from XXXX XXXX XXXX XXXX to XXXX XXXX XXXX XXXX with a system update. I then updated my bill pay with the new account number ( XXXX etc ... ) and made the remaining balance payment of {$170.00} through my bank account ( totaling {$340.00} on my XXXX statement ).
Then came time for me to move ( XXXX ) to XXXX XXXX WA. resulting in closing my account XXXX 2012 ( six months later ). I made my last payment before I left XXXX XXXX confident that all was well and good with my account. I even received check dated XXXX XXXX 2012 XXXX {$7.00} XXXX further ensuring that my account was well and good. However, long after I cashed the refund check from XXXX XXXX on my account I received a disturbing collection 's agency letter stating that I had an outstanding balance on my XXXX XXXX account in the amount of {$190.00}. This amount included a {$30.00} return check fee and {$160.00} unpaid balance. I asked the customer service rep, on-line technician how I can get my log-in and password from the internet and was told ( impossible ) because the account is closed. I also have asked the agents to simply review the system notes on my account to clear this matter up but apparently all the posting that the agent promised she added to my account had been purged from the system. I do n't know why a company would attempt to collect a payment for several months after an account is closed in good standing. Especially, when the system history notes ca n't go back that far and fully see the picture of those time periods.
Note : My suggestion for their office is to leave notes from six months past on accounts or do n't attempt to collect from old customers that have closed their accounts in good standing. After 6 months has past that should be more than enough time for a company to clarify an account especially when it come to a returned check ( I paid my account and cancelled the check because of an account number change in which I had no knowledge of ). When the bill pay check initially came in it had the old account number on it and must have sat in someone 's inbox until after I had already closed my account and the technician notes were purged from my account.
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| 12/21/2019 |
Yes |
- Debt collection
- Other debt
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- Attempts to collect debt not owed
- Debt was paid
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Web |
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In XX/XX/2019, I filed a complaint with the CFPB related to XXXX XXXX XXXX XXXX ( XXXX ) efforts to collect a debt not owed in the amount of {$470.00} on behalf of XXXX XXXX XXXX XXXX ( XXXX XXXX XXXX ). That complaint number is XXXX. Subsequent to that complaint, XXXX XXXX XXXX has enlisted yet another debt collection company, MRS BPO LLC, to attempt to collect this debt which is not owed.
I am submitting this complaint to highlight the unlawful communication tactics used by MRS BPO LLC as well as the deceitful, unscrupulous business practices of XXXX XXXX XXXX. In responding to my prior complaint, XXXX and XXXX XXXX XXXX alleged the following : " On XX/XX/2019, XXXX XXXX XXXX Mobility placed the above referenced account with XXXX for collection in the amount of {$470.00}. The creditors records reflect the following : On XX/XX/2019, you ported out one phone line and left two tablets and onstar services active. The account was cancelled due to non-payment on XX/XX/2019 and the connected car line was moved to another XXXX XXXX XXXX account that same day. The last partial payment was received on XX/XX/2019 in the amount of {$150.00}, leaving a remaining balance at that time of {$150.00}. This is reflected on the bill issued on XX/XX/2019. A final bill was issued on XX/XX/2019 at the end of the billing cycle with a balance due of {$470.00}. '' As I stated in my prior complaint, as a result of my dissatisfaction with XXXX XXXX XXXX 's deplorable customer service, I transferred all mobile services to XXXX and I cancelled my XXXX XXXX XXXX service. There is a phone record of this cancellation with XXXX XXXX XXXX representatives that I referenced in my prior complaint. XXXX XXXX XXXX 's assertion that I ported one phone line and nothing else is, of course, preposterous. XXXX XXXX XXXX clearly knew and understood I transferred all of my services because they disabled my online customer service account. It is also a lie, easily disproven by both their own records and the attached receipts from XXXX showing the services I transferred that day.
I owe nothing to XXXX XXXX XXXX. However, MRS BPO LLC, apparently one of the more disreputable debt collectors, recently sent me a demand for payment in the amount of {$380.00}. They did not provide me with a method to dispute the debt, so I am filing this complaint directly with the CFPB. Additionally, MRS BPO LLC contacted me telephonically on XX/XX/2019, and attempted to get me to provide them with my social security number. I laughed at the representative and hung up. MRS BPO LLC also violated the Telephone Consumer Protection Act by sending me an unsolicited text message on XX/XX/2019.
Curiously, the amount XXXX XXXX XXXX is trying to collect has reduced to {$380.00} ; it would appear XXXX XXXX XXXX has researched the matter, understands this is a debt not owed, and is corruptly still attempting to collect a payment.
In addition to filing this complaint, I am contacting my congressional representatives to share this information as they have authority to hold XXXX XXXX XXXX accountable through regulation.
I am also contacting several nationally recognized consumer protection lawyers to share this information for publication.
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| 08/02/2023 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
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- Improper use of your report
- Reporting company used your report improperly
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Web |
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Debt Collector, please supply the following information in entire detail : >Why you think I owe the debt, and to whom I owe it, including : >The name and address of the creditor to whom the debt is currently owed, the account number used by that creditor, and the amount owed. >If this debt started with a different creditor, provide the name and address of the original creditor, the account number used by that creditor, and the amount owed to that creditor at the time it was transferred. When you identify the original creditor, please provide any other name by which I potentially can know them, if that is different from the official name. In addition, tell me when the Current creditor obtained the debt and who the present creditor obtained it from. >Provide verification and documentation ( retail instalment contract etc. ) that there is a valid basis for claiming that I am required to pay the debt to the extant creditor. >If you are asking that I pay a debt that somebody else is or was required to pay, identify that person. Provide verification and documentation about why this is a debt that I am required to pay. The amount and age of the debt, specifically : >A copy of the last billing statement sent to me by the original creditor. >If there have been any additional interest, fees, or charges added since the last billing statement from the original creditor, provide an itemization showing the dates and amount of each added amount. In addition, explain how the added interest, fees or other charges are expressly authorized by the agreement creating the debt or are permitted by law. >If there have been any payments or other reductions since the last billing statement from the original creditor, provide an itemization showing the dates and amount of each of them. >If there have been any other changes or adjustments since the last billing statement, please provide full verification and documentation of the amount you are trying to collect. Explain how that amount was calculated. In addition, explain how the other changes or adjustments are expressly authorized by the agreement creating the debt or permitted by law. >Have you decided that this debt is within the statute of limitations applicable to it? Tell me when you think the statute of limitations expires for this debt, and how you determined that. Due Diligence and Rights to Collect : >If you fail to provide any of the info or documentation I have asked for, please say why. If you do not provide it, and do not adequately explain why, I will understand that you are unable to confirm or catalog your claims. >I would like more information about your firm before I discuss the debt with you. Does your firm have a debt collection license from my state? If not, say why not. If so, provide the date of the license, the name on the license, the license number, and the name, address and telephone number of the state agency issuing the license. >If you are contacting me from a place outside my state, does your firm have a debt collection license from that place? If so, provide the date of the license, the name on the license, the license number, and the name, address and telephone number of the state agency issuing the license.
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| 07/23/2023 |
Yes |
- Debt collection
- Credit card debt
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- Attempts to collect debt not owed
- Debt is not yours
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Web |
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Consumer has received offer from MRS BPO , LLC. The company states that they are debt collector collecting on a previous debt. I ask for MRS BPO , LLC to produce promissory note, original signed contract, bill of sale with price or purchase order, evidence of lien, evidence of my signed authority for your company to solicit me using my private personal information that I never provided to MRS BPO , LLC. This is a false and misleading practice of deception. This is identity theft. You are violating the FDCPA and CalCivCode 1565-1590 contract law. If MRS BPO , LLC have a valid contractual agreement signed by consumers agent that require the consumer to pay on a promissory obligation, then MRS BPO , LLC must provide that contract to consumer as proof. MRS BPO , LLC chooses to violate Rosenthal Fair Debt Collection Practices Act. Not to mention MRS BPO , LLC still has no valid license in the state of CA.
Because the consumer has no legal obligation to MRS BPO , LLC, EXCEPT TO RESPOND TO THIS NOTICE then MCM must cease and desists all communications including consumer reporting communication. 15 U.S. Code 1692c states a debt collector may not communicate with consumer without prior consumer directly consenting to debt collector. As the consumer previously stated to MRS BPO , LLC, under 15 U.S. Code 1681b - Permissible purposes of consumer reports a consumer report must have written consent from consumer furnishing of information and consumer report can not have personal transaction history. Consumer points out according to 12 CFR 1016 you must provide a clear and conspicuous notice to each of your consumers that accurately explains the right to opt out under that section. It further states that the consumer has the right to opt out at any time. They failed to provide either of this information within the letter to consumer. THEY MUST NOT REPORT TO CONSUMER REPORT. 12 CFR 1022.24 reasonable opt-out opportunity must be provided.
As stated before you are in violation of my privacy under the Privacy Act of 1974 and the California Consumer Privacy Act. I did not authorize MRS BPO , LLC to obtain in anyway my private information including alleged debt and use it against me.
As stated in previous notice a California resident under California Consumer Privacy Act, have the right to request deletion of personal information and opt out of sale of personal information. PLEASE PROCESS OPT OUT OF SELLING AND SHARING PERSONAL INFORMATION & DELETE PERSONAL INFORMATION.
The consumer will take it a step further in seeking remedy per 15 USC 1692k. The consumer demand compensation for each month of violations of {$1000.00} per month until account is removed if reported to consumer report. Failure to comply will lead to identity theft complaints with the FTC and Comptroller. By continuing the use of my personal stolen information, I may also file complaint with DFPI of California. I may also seek audit via IRS. I take my consumer rights very serious. Please unless concerning remedy to me MRS BPO , LLC must cease and desist all other communications including consumer reporting. Consumer may use all information against you as proof of claim for potential lawsuit.
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| 03/09/2023 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt is not yours
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Web |
Servicemember |
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XX/XX/XXXX I went to XXXX XXXX in XXXX Ky. A third party sales company for XXXX XXXX XXXX I purchased 2 XXXX XXXX XXXX and a XXXX XXXX XXXX XXXX. With a two year service plan.
XX/XX/XXXX I went back to the store and exchanged the XXXX XXXX XXXX because it did not suit my needs. Replaced it with a XXXX box. There were issues getting the new XXXX box connect to my current account I just started with XXXX. So the salesman closed the original XXXX account out and started a hole new one with the originally purchased phones and the new mifi box. XXXX has a 30 day return policy so I was not charged for the XXXX, I only had to pay a restocking fee.
XXXX XX/XX/XXXX I keep receiving emails and home mail about a past due balance of {$190.00}. I called XXXX to see what was going on, they said my bill was paid and up to date.
XX/XX/XXXX the emails and letter kept persisting saying that if I did not pay my bill service would be terminated. So I call XXXX once again, they assured me everything in my account was paid in full and I had no worries of service disruption. They were confused on why I was receiving these texts and letters.
End of XX/XX/XXXX I get an email from a debt collector trying to collect money from XXXX XXXX. I call the debt collector and they were very rude and would not give me any details. I submitted a dispute with them.
XX/XX/XXXX I checked my credit thru credit karma and noticed a collection added to my account from XXXX XXXX. At this point I am irate. After 5hrs of being on the phone and being hung up on serval times and transferred multiple times I find out that the XXXX that was returned was never deactivated from service. So the original account I had thru XXXX was never fully closed and I was being charged for service on a returned item for months with out any knowledge. XXXX has submitted multiple tickets to resolve this issue and has yet to do so. I never get called back nor do I get a resolution. I have asked multiple times for proof of this debt from them sent to me thru email. They refused to give me anything on the original account because they said its technically closed and has been sent to collections. All I have it the account number involved. But some of the associates I spoke with at XXXX said this is wrong and should have never been sent to collections.
The same exact day I decide to pay my XXXX bill of {$290.00} and {$23.00}. I tried to just pay {$350.00} thru the app. It popped up an error during processing. So I paid the {$290.00} amount and got a confirmation and then paid the {$23.00} amount and got a confirmation. Upon checking my bank account the original {$350.00} payment was deducted from my account also. So back to calling XXXX once again, they had no record of a {$350.00} amount being posted to my account and told me to call my bank. So I called the bank, they stated it may redeposit after the 3 business days. To check back.
XX/XX/XXXX I called the bank back and they said the funds were issued to XXXX XXXX. That I could file a dispute with them to get the money back. So I filed a dispute with them.
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| 08/19/2020 |
Yes |
- Debt collection
- Other debt
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- False statements or representation
- Attempted to collect wrong amount
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Web |
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Issue of account, as of XXXX, I terminated my service with the company ( XXXX ), due to ( about every 6 months ) they were 'forward billing ' a balance as 'collectable ' that should not have been due.
This had occurred at least two or three time within 2 years, and at least twice I reviewed with a management team member the bill balances comparable to payments made, and their admitting or acknowledging of payments resolve.
At the point of terminating service ( or switching out service ), I had ensured my 'service bill balance ' was resolved without any balance due. The exception of any amount due would have been only the portion of ( 1 ) one 'phone purchase balance ' remaining.
After sometime of switching service, I received a collection notice. I had agreed to pay the portion of the phone balance due, and was in dispute of any account service balance due. At the point of mailing in the agreed upon portion of payment of the phone, with a letter requesting to resolve account as paid in full ; I received my check and letter back in the mail without resolve.
I called to see what the issue was, but at first without answer and then with reason of the 'collection account ' had been turned back over to XXXX XXXX I then received a new notice of collection from a new collection agency.
Of which dealing with ( MRS o/b XXXX ), I made the same statement of acknowledgement and request, for the portion agreeable as due ( {$480.00} as paid ) and with dispute of any service balance. It was confirmed for me to mail in the agreed upon payment which I did XXXX, and again with letter requesting to resolve as paid in full.
I made my check payment as payable to XXXX, such as indicated on the collector agency 's bill notice. After not receiving any acknowledgement of 'paid in full '. I then called and was first informed my payment was not received, on a second call a few days or week or so later it was said my payment was forwarded to XXXX and was not acknowledged for resolving the agency collection balance, due to the check made payable to XXXX ; however the collection notice instructed to make checks payable to XXXX.
After some time again attempting to address, resolve, and clear the record of balance, I finally was able to speak with a XXXX management team member, regarding the is miss handling of my agreed upon payment and failure of the agency to process and acknowledge as paid in full as agreed from phone prior phone conversations. The XXXX management after reviewing acknowledge the agencies miss handling of notating and resolving the account and payment.
I would like my name and account cleared of any and all balances due and negative credit reporting. I would like the account credit reporting to show as paid in full and satisfied, as payments agreed upon have been provided as and reference as such : >> first check payment for portion as agreed, dated XXXX / {$150.00} -check # XXXX ; and final payment for portion as agreed, dated XXXX / {$330.00} -check # XXXX was processed and clear my banking on XXXX and XXXX.
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| 07/22/2018 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt was paid
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Web |
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Date : XX/XX/2017 to date XXXX XXXX account attempting to collect a cancellation fee that is not owed and continue to add charges.
Dispute, early termination fee. {$380.00} I transitioned to another carrier in XX/XX/2017. I did not have an open contract with XXXX at the time of the change. I paid our monthly bill up and through XX/XX/2017, when we switched to another carrier. The auto payment was terminated by XXXX as well as online viewing capabilities. XXXX refused to provide a final bill without an attorney letter. XXXX refuses to provide proof of contract to date. XXXX erroneously added the additional termination fees and the fees appear to continue to climb.
The agreement with XXXX XXXX was to pay monthly fee for services on our 2 phone lines. There was a delay in paying the final monthly bill of {$160.00} on XX/XX/2017, which was paid upon proof of the final bill received by XXXX in XXXX, 2017.
The delay from XXXX to XXXX in payment was because XXXX refused to provide a final bill after multiple attempts. Further, I had to hire an attorney to send a letter to XXXX on XX/XX/2017 to dispute the bill and provide the monthly statements ( letter attached ). XXXX has implied that I have a 2 year contract, I did not have a contract at the time of cancellation. I had our service with XXXX for over a decade and never missed a payment and was always on time with payments owed. I did not purchase a device on a plan in the past 2 years on either of our lines with XXXX. All of the phones we have purchased outright. According to the agreement, on XXXX there will be a XXXX cancellation fee for those customers who have completed the contract. When documentation was requested as to why the termination fee was applied, it was denied ; rather XXXX chose to engage multiple collection agencies, even after multiple attempts to come to a resolution. Many of the collection agencies hired by XXXX stopped collection efforts after XXXX could not supply them with proof of contract and amount owed. MRS BPO LLC have not stopped the efforts and have impacted my credit score. This action by XXXX has negatively impacted the credit score of well over 800 and is now seriously damaged. Addition to this, I hold securities licenses and this action has the potential to negatively impact my XXXX and has created undue anguish and could possibly cause even further complications with my employment.
This letter serves as a complaint and dispute for erroneous cancellation/termination fees charged by XXXX XXXX. XXXX has knowingly and willingly refused to provide any proof of the debt they claim owed as well as all request to remove these erroneous fees. Most importantly the erroneous information has seriously impacted my employment, credit score as well undue time, energy and XXXX as a result of this situation. After a letter from my attorney, calls from me, letters and multiple attempts to resolve this issue XXXX continues to ignore and cause further damage to my reputation, career and financial life.
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| 02/04/2020 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt is not yours
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|
Web |
Servicemember |
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In XX/XX/XXXX, I had an acct for internet and TV with XXXX XXXX and discounts were about to expire. I contacted them prior to the discounts expiring in XXXX and they told me they were actually lowering my bill. When the bill came in XX/XX/XXXX, it was significantly higher. When I contacted the XXXX XXXX about this error they acknowledged that I had been given incorrect information. They said they could not honor the price they had quoted.
On XXXX XX/XX/XXXX, I closed the XXXX XXXX acct via phone. I was told two equipment boxes would be sent to me ( one for Modem and one for TV equipement ). I was instructed to wait and mail both boxes back at the same time, regardless of when they arrived. When none had arrived, I contacted XXXX XXXX on XX/XX/XXXX requesting the boxes again. By XXXX XXXX, no boxes had arrived and I made a 3rd request. Still no box arrived.
On XXXX XX/XX/XXXX, I received an email from XXXX XXXX saying I owed {$640.00}. This appeared to be for equipment.
On XXXX XXXX at XXXX XXXX, I contacted them. After waiting on hold for 12 mins, XXXX from XXXX XXXX answered my call. He said that someone had put in the wrong info. The previous representative didn't put in the address and the " offsite group '' that handles the boxes couldn't send me the box. He claimed to have corrected everything and a box should be forthcoming for the TV equipment. He also said that the previous representatives were incorrect and that XXXX XXXX wouldn't send a box for the modem and that I should go online to XXXX to initiate the return of the modem. I was told to use a XXXX Drop box.
I went on line as instructed and took the Modem to a XXXX store on XXXX XXXX at XXXX. I retained a receipt.
On XXXX XXXX I contacted XXXX XXXX because the TV equipment box still had not arrived. This was my 5th request for the required equipment box. XXXX confirmed that XXXX XXXX had received the modem on XXXX XXXX and credited my account. She said she was sending ANOTHER box for the prism TV equipment.I was beyond frustrated and just wanted their junk out of my house. Every time I have to call them, it is an hour of my life spent on hold and being bounced around to different sections. I offered to deliver the box to a XXXX XXXX store but XXXX said that wasn't allowed. I also asked if one of the many techs I see doing installs in the neighborhood could pick up the equipment. I was told that wasn't allowed either.
In XXXX, I also began to receive collection calls for the " debt '' associated with the equipment. I instructed them not to contact me further.
Finally, an equipment box arrived. I packaged everything up and XXXX picked up the package from my home on XXXX XX/XX/XXXX.
As of XXXX XX/XX/XXXX, I am still receiving calls and text messages from MRS Assoc. regarding they XXXX XXXX " debt ''. Apparently, because the equipment wasn't returned within the time allotted by XXXX XXXX following the original closing of the account.
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| 06/03/2020 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
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- Problem with a credit reporting company's investigation into an existing problem
- Their investigation did not fix an error on your report
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Web |
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I had a 2nd property that I moved out of in XXXX of XXXX and had filed a forwarding address request with the USPS. I have since moved to XXXX and applied for a new home mortgage in XXXX of this year ( XXXX ). Upon doing so, found that there was a delinquency on my credit report from what would have been my final utility bill at the aforementioned property for {$68.00} that was never forwarded to me. Upon finding this out, I immediately contacted XXXX XXXX and XXXX XXXX, explained the situation and paid the bill in full immediately over the phone, of which I have a letter/receipt showing account paid in full. Thinking this would resolve the problem, I was told that it would have to now be taken off the credit bureaus ( XXXX, XXXX, XXXX ) by the collection agency known as MRS BPO , LLC headquartered in XXXX XXXX, NJ. Upon contacting them and asking for them to have the credit delinquency resolved was told the best they could do was to issue a letter stating that the bill had been resolved and the account was closed, and sent me a letter stating this. When this letter was presented to the bureaus, was told that this too was not acceptable because there was a sentence that reads " This is contingent on the clearance of any non-certified funds. If any non-certified funds do not clear, this will be null and void ''. The statement " null and void '' was also rejected by the credit bureaus and MRS BPO would not alter the letter to have this removed. We went back to the creditor XXXX and asked them to communicate with MRS BPO that this should be removed from my credit history and were told that that was against their company policy and would not. I have been provided letters now from XXXX, MRS BPO and XXXX all stating that the amount has been paid, but all refuse for one reason or another that they would remove this delinquency from my report so that I may indeed receive the above 800 credit score that I've maintained for nearly 2 decades, all over {$68.00} that the USPS failed to forward me, and now causing me to have a sub 700 credit score costing me potentially a higher mortgage interest rate and income that would be otherwise used to support my family. I am requesting your help to have this removed, as this plea/request is my last resort at this point. I have impeccable credit, and should not be penalized for the misactions by a very large organization ( USPS ) and the unwillingness of which there is absolutely no benefit for helping me to right this situation. Thank you in advance for your assistance.
PS - I was told by XXXX that all the collection agency ( MRS BPO ) had to do was send an " electronic report stating that my account should be removed from my credit file '' and they ( MRS BPO ) emphatically, rudely and unprofessionally denied that request and stated it was not their " company policy '' to do that.
Original dispute address is : XXXX XXXX XXXX XXXX XXXX, MD XXXX
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| 12/06/2023 |
Yes |
- Debt collection
- Telecommunications debt
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- Took or threatened to take negative or legal action
- Threatened or suggested your credit would be damaged
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Web |
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Authorized representatives : XXXX XXXXXXXX XXXX XXXX, XXXX XXXXXXXX XXXX XXXX, XXXX XXXXXXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX of MRS BPO, L.L.C., are demanding {$290.00} with the intentions of damaging my credit files if not received in their version of a timely manner.
Per the XXXX XXXX XXXX MRS BPO , L.L.C., is a corrupt debt collection company whom refuses to provide authorized representatives when aiming to negotiate an alleged debt.
Upon checking my credit report an unknown authorized representative of MRS BPO, L.L.C., flagged my credit files with unverified collection activity on XX/XX/2023 MRS BPO, L.L.C., decided not to honorably submit their demand for funds through the XXXX XXXX XXXX to allow me to properly dispute their claim of {$290.00} I did not authorize XXXX XXXX, XXXX XXXX, XXXX XXXX, or XXXX XXXX access to my social security number to damage my credit files.
MRS BPO, L.L.C., are debt collectors demanding a debt on behalf of XXXX. I have not received goods or services from MRS BPO, L.L.C.
I am formerly requesting XXXX to provide authentic contractual agreements stating the equitable exchange of goods or services to me ; along with a permissible purpose to MRS BPO, L.L.C., releasing my private information.
MRS BPO, L.L.C., is not an honorable or honest business that allows their alleged clients the opportunity to defend themselves. There are no contracts in place to support we have agreed to honorably conduct business and I do not agree to pay/tender anything to MRS BPO, L.L.C., on behalf of XXXX at the expense of my private information being on display to whomever.
I am not a party to any agreements MRS BPO, L.L.C., may or may not have with XXXX I am not responsible for MRS BPO, L.L.Cs purchase / transfer from XXXX.
Present authentic contractual agreements proving MRS BPO, L.L.C., and I have agreed to honorably conduct business. I do not agree to pay/tender anything to MRS BPO, L.L.C., on behalf of XXXX.
MRS BPO, L.L.C., are prime examples of debt collectors that abuse their authority in efforts to force consumers to pay debts that they have no first -hand knowledge of.
I have contacted XXXX in efforts to clear this matter with the original creditor. I would like to know the name and number of the authorized representative that released my detailed private information to MRS BPO, L.L.C.
MRS BPO, L.L.C., does not have my permission to contact me on my private phone line attempting to negotiate debts that do not belong to me. All calls are recorded for my safety.
MRS BPO, L.L.Cs reply outside of the CFPBs portal, must be delivered via the XXXX XXXX XXXX. If the envelope is not properly stamped by the postmaster ; it will be returned to sender due to mail code violations. I will upload proof of return to sender if necessary. Please abide by all mail codes.
I have included all proof in the attachments.
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| 08/09/2023 |
Yes |
- Debt collection
- I do not know
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- Communication tactics
- Frequent or repeated calls
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Web |
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Dear MRS ASSOCIATES : I am responding to your business reporting a debt you are trying to collect. You reported on all three credit bureaus XXXX, XXXX as well as XXXX by postal mail, on XX/XX/2023, and identified the debt as verified debt owed. Please supply the information below so that I can be fully informed : Why you think I owe the debt and to whom I owe it, including : The name and address of the creditor to whom the debt is currently owed, the account number used by that creditor, and the amount owed.
If this debt started with a different creditor, provide the name and address of the original creditor, the account number used by that creditor, and the amount owed to that creditor at the time it was transferred. When you identify the original creditor, please provide any other name by which I might know them, if that is different from the official name. In addition, tell me when the current creditor obtained the debt and who the current creditor obtained it from.
Provide verification and documentation that there is a valid basis for claiming that I am required to pay the debt to the current creditor. For example, can you provide a copy of the written agreement that created my original requirement to pay?
If you are asking that I pay a debt that somebody else is or was required to pay, identify that person. Provide verification and documentation about why this is a debt that I am required to pay.
The amount and age of the debt, including : A copy of the last billing statement sent to me by the original creditor.
State the amount of the debt when you obtained it, and when that was.
If there have been any additional interest, fees or charges added since the last billing statement from the original creditor, provide an itemization showing the dates and amount of each added amount. In addition, explain how the added interest, fees or other charges are expressly authorized by the agreement creating the debt or are permitted by law.
If there have been any payments or other reductions since the last billing statement from the original creditor, provide an itemization showing the dates and amount of each of them.
If there have been any other changes or adjustments since the last billing statement from the original creditor, please provide full verification and documentation of the amount you are trying to collect. Explain how that amount was calculated. In addition, explain how the other changes or adjustments are expressly authorized by the agreement creating the debt or permitted by law.
Tell me when the creditor claims this debt became due and when it became delinquent.
Identify the date of the last payment made on this account.
Have you made a determination that this debt is within the statute of limitations applicable to it? Tell me when you think the statute of limitations expires for this debt, and how you determined that.
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| 08/30/2023 |
Yes |
- Debt collection
- Credit card debt
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- Communication tactics
- You told them to stop contacting you, but they keep trying
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Web |
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I had gotten contacted around XXXX about a debt I did not recognize and sent a debt validation letter that was never responded to. In XXXX I got contacted about the same debt from XXXX XXXX out of XXXX XXXX XXXX CA. I did the same and never heard back.
Over the past week, I've been receiving calls from Random numbers leaving a voicemail about a time-sensitive matter and stating they were from " MRS ''. I had to assume this meant MRS BPO. Rather than answer unknown numbers, I called up MRS at ( XXXX ) XXXX. They said they had some accounts under my number but didn't match my personal information to any of them. They then transferred me to some department where I was on hold until the call dropped.
I tried to use the self-service portal at https : //portal.mrsbpo.com/verify-identity but none of the details match to show me anything.
Today was the first day I answered a call and got a live agent. They said they worked for MRS and confirmed my personal details. They said it was in reference to what sounds like the same debt from years before.
I asked them for an account/case number, which they hesitantly gave me. I then asked what address they had for me. The address was very old. I then said I no longer want calls and to handle everything by mail. I asked for their address to send a debt validation letter. I also offered to confirm my current address so they could send anything they want via mail.
The agent then said " that's okay. My client will be pursuing this matter in civil court and hung up. '' I went back to the MRS portal to try the account number to see if that worked and not only did it not, but it appears to be the wrong alpha-numerical format.
I tried contacting MRS again direct with the same result. At this point, I have no idea what to do. I want to send a debt validation letter, but I am not confident I'd have the information to include in it.
I also contacted other debt collection companies with MRS like MRS Associates who say they don't leave voicemails and refused to do any kind of lookup.
At this point, all I have is some random account numbers and people calling claiming I owe some debt from way over 10 years ago but won't give me the information I need to validate the debt or even ensure they can get me anything by mail. I can't even trust these people calling are from MRS or what to do since their information on me seems to be out of sync and MRS seems unable to connect me with anyone.
Based off experience, even if I do confirm these details and send the debt validation letter ( which I am confident will receive no reply based off the fact I don't recognize this debt and it's been a pattern ) I also think it's highly likely MRS wilXXXX sell whatever sparse information they have to another collector and I'll get more random voicemails and threats.
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| 09/24/2022 |
Yes |
- Debt collection
- Auto debt
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- False statements or representation
- Attempted to collect wrong amount
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Web |
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XX/XX/XXXX I received a notification fromMRS BPO LLC asking which of 3 options listed would I like to statuary my debt to XXXX XXXX XXXX. This is a debt I have disputed in the past due to the high amount however XXXX could only tell me it was sold to a collections company and they would be in contact. This is the first I have heard from this company and the collection is not on any of my 3 credit reports. I called the agency and asked for validation of debt. After asking several times if I would go ahead and just make a small payment today, the agent finally agreed and said she would follow up in 10 days. I relayed to her my concern was regarding the amount of the debt and I didnt agree with the total.
I received the packet from MRS. For starters, the information on the cover letter is very limited and besides my name and address it is incorrect. The information listed os for a PPL account with account number and balance of {$220.00}. Moving past the cover letter the documents are for the XXXX loan, however it does not contain a transaction detail listing showing my payment history. There was a copy of my original 9 page lease, a copy of the letter on how to purchase the car before auction and a post auction bill. No record of any sort regarding payments made to the account.
One page lists the repossession at {$750.00} then another lists it at over {$1600.00}. Then there are all these misc fees however when reading through the lease, the only fees mentioned are late payment and based on my monthly payment amount, that would be {$19.00}. So I dont understand misc fees in excess of {$2400.00} on the final statement. And again where are the deductions for payments made? I know a minimum of 23 months of payments were made and that is from my XXXX report page payment history on this entry.
Since this company is not on my credit report I submitted a dispute against XXXX regarding the amount. They didnt address the discrepancy regarding amount owed and amount paid either. They concluded with if you have any further questions please call customer service at... Which I did the next day. Just to be told what I was told earlier this account has been charged off and sold to a collections agency we have no information on this account I called MRS at XXXXXXXX XXXX ( their advertised hours of operation are ( Monday - Friday XXXX ). And the recording asked me to hang up and call back during normal business hours.
I have tried to get this situation resolved before the repossession and lack of communication and inability to explain the misinformation has made it a nightmare. In addition, this was a voluntary repo. After missing 1 appointment I had to call and reschedule to meet the representative and hand over the keys. I thought certain fees were subtracted for a voluntary repo.
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| 04/02/2021 |
Yes |
- Debt collection
- Credit card debt
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- Written notification about debt
- Didn't receive notice of right to dispute
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Web |
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XX/XX/XXXX To whom it may concern at the Consumer Financial Protection Bureau : I would like to file a complaint against a collection agency by the name of MRS BPO , LLC.
I received the attached collection letter on XX/XX/XXXX, from this, MRS BPO , LLC, claiming that they are collecting on an alleged debt that they are claiming to have acquired from XXXX XXXX XXXX XXXX.
They are claiming that I owe an alleged debt in the amount of {$3900.00}, and I want to make it clear to MRS BPO , LLC, that I dont owe them, nor do I owe XXXX XXXX XXXX XXXX this alleged amount of {$3900.00}.
I had questioned the balances many times on the card that I had been paying XXXX XXXX for, years ago, and I could never get adequate nor accurate answers.
In XXXX I did have a XXXX XXXX credit card account, and I feel that XXXX XXXX deceived me with the rates, and charges that were being charged onto the account.
Years ago I had contacted XXXX XXXX many times through their online account messaging center, as well as by telephone calls to them, inquiring about the rates, and charges that were being charged to the account.
Many times I had made requests to XXXX XXXX for a reduction in interest rate on the account that I had, had, because the balance was going up drastically due to their usury charges, and fees.
I had also requested if they would transfer the account to a lower interest credit card account that they offered, and each time my request was unanswered, or I had to resubmit my message through the message center, and their answer always came back as a NO.
I have had no dealings with XXXX XXXX XXXX XXXX since XXXX, and they have been placing false status dates, and information onto my credit files, making it seem as though I have an account that I have been using as of present XXXX, and that is false, fraudulent information, they are doing this so as to destroy my credit.
This collection agency MRS BPO LLC, has never contacted me to verify if I knew of, or to find out if I even owed this alleged debt, yet even prior to my receiving the attached letter from them on XX/XX/XXXX, they had been making annoying telephone calls.
I am disputing this debt, and I want MRS BPO , LLC to remove any and all derogatory false fraudulent information that they have placed onto my credit files, and I am requesting that XXXX XXXX XXXX XXXX do the same.
I have had no dealings with XXXX XXXX XXXX XXXX since XXXX, and it is wrong of them to place false status dates, and information onto my credit files, and I want it all removed.
If there is an account with a balance due in the amount of {$3900.00}, XXXX XXXX has run that up themselves with their usury interest, charges, and fees.
Then they pass on false information to the credit bureaus and collection agency without any notice.
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| 11/01/2022 |
Yes |
- Debt collection
- Other debt
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- False statements or representation
- Attempted to collect wrong amount
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Web |
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This letter is being sent to you in response to notices sent to me from your company and more importantly, due to your erroneous reporting to the Credit Bureau { XXXX }, the highly negative impact on my personal credit report. Please be advised that this is not a refusal to pay, but a notice sent pursuant to the Fair Debt Collection Practices Act, XXXX XXXX XXXX Sec. XXXX { b } that your claim is disputed and validation is requested.
This is NOT a request for verification or proof of my mailing address, but a request for XXXX made pursuant to the above named XXXX and XXXX. I respectfully request that your offices provide me with competent evidence that I have any legal obligation to pay you.
Please provide me with the following : What the money you say I owe is for : Explain and show me how you calculated what you say I owe : Provide me with copies of any papers that show I agreed to pay what you say I owe : Provide a verification or copy of any judgment if applicable : Identify the original creditor : Prove the Statute of Limitations has not expired on this account : Show me the you are licensed to collect in my state : Provide me with your license numbers and Registered Agent or Agent of Service : At this time I will also inform you that if your offices have reported invalidated information to any of the XXXX major Credit Bureaus { XXXX, XXXX or XXXX } this action might constitute fraud under both Federal and State Laws. Due to this fact, if any negative mark is found on any of my credit reports by your company or the company that you represent, I will not hesitate to bring legal action against you for the following : Violation of the Fair Credit Reporting Act Violation of the Fair Debt Collection Practices Act Defamation of Character If your offices are able to provide proper documentation as requested in the following Declaration, I will require at least XXXX XXXX to investigate this information and during such time all collection activity must cease and desist.
Also, during this validation period, if any action is taken which could be considered detrimental to any of my credit reports, I will consult with my legal counsel for suit. This includes listing any information with a credit reporting repository that could be inaccurate or invalidated or verifying an account as accurate, when it fact there is no provided proof that it is accurate.
If your company fails to respond to this validation request within XXXX XXXX from the date of your receipt, all references to this account must be deleted and completely removed from my credit report and a copy of such deletion { to any/all of the XXXX major credit reporting bureaus : XXXX, XXXX and XXXX } request shall be sent to me immediately.
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| 04/04/2023 |
Yes |
- Debt collection
- Other debt
|
- Communication tactics
- You told them to stop contacting you, but they keep trying
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|
Web |
Older American |
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In XX/XX/XXXXXXXX I received a letter from MRS BPO , LLC ( MRS ) dated XX/XX/XXXX, notifying me that they were a debt collector trying to collect {$63.00} that I supposedly owed to XXXX XXXX. I sent an email reply to MRS on XX/XX/XXXX, to XXXX, the email address that was listed on XXXX XXXX XXXX XXXX XXXXXXXX ( that website was listed on the MRS letter under " Contact Information '' ). Below is the text of my letter : " I am in receipt of your letter dated XX/XX/XXXX. XXXX XXXX has not been my mobile service provider for some time and I do not believe I owe it any money. Therefore, I hereby request that you provide me with a validation letter to verify the alleged debt. Such letter should include ( without limitation ) proof that the debt belongs to me, the alleged non-payment time period and the authorization to collect on the debt on behalf of XXXX XXXX. Please send all communications to me regarding this matter to this email address [ my email address ]. '' When I did not receive a reply from MRS , I mailed them by USPS a letter with a copy of my email on XX/XX/XXXX. I mailed my letter to MRS BPO , LLC, XXXX XXXX XXXX, XXXX XXXX, NJ XXXX, which is the address listed on the MRS letter as one of their contact alternatives.
When I still had not received a reply to my email or letter, I contacted XXXX on XX/XX/XXXX. The customer representative told me, among other things, that she wanted to credit my account so the billing issue would be resolved, but the matter was transferred to a collection company that day, XX/XX/XXXX, so she was not able to do it. She told me that she was not allowed to give me the name of the collection company. I have screen shots of my chat to prove what was said.
Based on that conversation with the XXXX customer representative, it appears that MRS contacted me in XX/XX/XXXXXXXX before they had an authorization to do so. Furthermore, they never responded to my request to provide me with authorization confirmation. However, starting on XX/XX/XXXX, I received numerous texts from at least 22 different phone numbers in various area codes claiming to be from MRS BPO , LLC. Since I specifically requested MRS to contact me only via email, I did not reply to such harassment texts.
Today, XX/XX/XXXX, I received a notification from my credit monitoring service that a negative report was filed by XXXX and it significantly reduced my credit score ( it used to be over 800 ). I believe this is at least partially a result of unscrupulous tactics by MRS and their failure to communicate with me in a legally required way.
I have written and electronic evidence to support the statements made in this complaint. I will submit such evidence if it's deemed to be necessary.
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| 09/08/2023 |
Yes |
- Debt collection
- Telecommunications debt
|
- Attempts to collect debt not owed
- Debt was paid
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|
Web |
Older American, Servicemember |
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I need assistance settling an account with XXXX XXXX. Following are the facts of the matter : 1 ). On XX/XX/2023, I moved my phone service from XXXX XXXX to XXXX XXXX XXXX. I have copies of text messages sent to me by XXXX XXXX on the very same day acknowledging the transfer of service.
2 ). On XX/XX/2023, XXXX XXXX sent me an email in which they claimed my last day of service was XX/XX/2023. I had not had service with XXXX XXXX since XX/XX/2023, when XXXX XXXX XXXX became my carrier.
3 ). On XX/XX/2023, I received an email from XXXX XXXX claiming a balance of {$120.00} was due by XX/XX/2023. This was the approximate amount of my usual previous monthly XXXX and did not appear to be an adjustment bill for final charges. I attempted to access the account online to view the charges since the email contained no details, and I learned that XXXX had locked me out of the account.
4 ). I called XXXX XXXX on XX/XX/2023, to request that the bill be sent to me so that I could view the charges and I was informed that it would be sent to my current address which I provided to the customer service representative.
5 ). On XX/XX/2023, just two days after the bill had been due ( I never received the bill by mail ), I received an email from MRS BPO , LLC, a collection agency located at XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX, regarding the XXXX XXXX XXXX.
6 ). I promptly wrote to MRS BPO , LLC on XX/XX/2023, to dispute the amount and to request a copy of the bill and verification that it was for services prior to XX/XX/2023.
7 ). I followed up with an email to MRS BPO , LLC on XX/XX/2023, requesting that they acknowledge my dispute letter.
8 ). I have never received a response from MRS BPO , LLC, the collection agency, to my communications to them.
9 ). XXXX XXXX has reported the account as a collections account on my credit report.
10 ). I have been unable to obtain a copy of the final XXXX XXXX XXXX from either XXXX or MRS BPO , LLC so that I can ascertain whether any of the charges are for service after XX/XX/2023.
XXXX XXXX has ruined my credit rating. I want to pay any charges I owe that are for service prior to XX/XX/2023, but I can not get XXXX or MRS BPO , LLC to account for the balance XXXX claims I owe. I also want XXXX to remove the collection item from my credit report since I have dealt in good faith to try to obtain information from them that they were obligated by law to provide to me. I want any award from XXXX and from MRS BPO , LLC that the law entitles me to for their infractions of Fair Debt Collection practices.
Please advise. I have copies of all the documents I have mentioned. I appreciate your assistance with this matter.
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| 06/04/2023 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt was paid
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|
Web |
Servicemember |
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I am a XXXX Veteran from the XXXX XXXX XXXX, I am in the rebuilding phase of my credit. I made a lot of XXXX decisions in my past that ruined my credit. However, I have been doing things the right way for the past year and my XXXXredit score has increased significantly. I applied for a Secured Credit Card with XXXX it to help me on my journey of rebuilding my credit. I was hoping my card would graduate to an unsecured card after 6 months, so I could get my XXXX dollars deposit that I need so much back. However, that looks IMPOSSIBLE right now. Why? Because yesterday, XX/XX/XXXX, I received like 5 negative notifications about a new collection account added to my credit report from all the different websites and apps that I use to check my credit reports. This collection decreased my credit score by XXXX points.
The collection account is a collection from XXXX with a balance of XXXX dollars. It is showing the date opened AS XX/XX/XXXX. I am 100 % SURE that I DO NOT owe XXXX a XXXX. I never received any calls or mail from XXXX or anybody else about this balance. When I switched from XXXX to XXXX, I did not owe XXXX ANYTHING XXXX Therefore, I DO NOT understand why I owe this balance. Anyways, I immediately reached out to XXXX trying to find out what this collection was about, and they told me that MRS BPO COLLECTIONS is the one in charge of the collection account. I immediately reached out to MRS BPO COLLECTIONS, and they told me that that the balance was XXXX dollars which is not the balance that the collection account is showing on the credit bureaus. I do not want to fight this collection fake and fraudulent collection account and waste time. As I mentioned above, I am a XXXX Veteran from XXXX XXXX FORCES with chronic XXXX, chronic anxiety, and chronic XXXX, and this things just add more stress to me and make things worse for me. Therefore, I went ahead and paid the balance in full to MRS BPO COLLECTIONS, even though the balance they say I owe is way different to what they collection account on the credit bureaus is showing. They told me that they would let XXXX know that I paid the balance in full. However, I need this account removed from all of my 3 credit bureaus ASAP. I am 100 % sure that I do not owe XXXX anything as I said above. But this collection account ruined my credit and will prevent my secured card to graduate to an unsecured in a timely manner, since one of the MAIL requirements from XXXX It when graduating secured cards to unsecured is that you can not have any new Negative Accounts added to your credit report. Therefore, please delete this account from my report ASAP. Thank you!
|
| 09/14/2019 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
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- Incorrect information on your report
- Account status incorrect
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Web |
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I had 2 accounts with XXXX, my local electric company. I was behind on one but trying to pay the other. I contacted XXXX on XX/XX/XXXX to make a payment. They said I needed to pay XXXX . I asked if that included the other account balance because it seemed an unusually high payment. The representative told me yes, when my other service was discontinued the balance was transferred to this account, so I authorized an electronic check over the phone for XXXX . When I applied for a mortgage on XX/XX/XXXX I was told a collections account had just been reported on my credit report that day from MRS BPO for XXXX and my score had dropped 90 points disqualifying me for my mortgage. I had checked my credit report XX/XX/XXXX and there was no collections activity reported. I contacted MRS BPO where representative XXXX XXXX told me they had no record of an account for me. I contacted XXXX and explained I was informed this debt had been included in my XXXX $ payment. XXXX said " they were sorry I had received misinformation from their representative, but the debt was not included and they werent certain if the error could be deleted from my credit report '' and I should contact MRS BPO again. I contacted MRS BPO a second time and representative XXXX XXXX now said I did have a collections account with them but they did not have a policy of deleting information from credit reports even if the account was placed in collections in error as a result of misinformation on the part of the original creditor, and I should contact XXXX to resolve the issue. I contacted XXXX a second time and explained MRS BPO did not have a policy of deleting information from credit reports and I should contact XXXX about the issue. XXXX said they would withdraw the account from MRS BPO so I could pay the XXXX $ balance with another electronic check, and they would contact and explain the issue to MRS BPO and call me back. This was all on XX/XX/XXXX. XX/XX/XXXX XXXX contacted me to report they had emailed MRS BPO and explained the account was placed in error as a result of XXXX providing me misinformation. XXXX also reported MRS BPO had agreed that on Friday XX/XX/XXXX in their weekly update to the credit bureaus they would indicate the account was paid in full and they would include a comment on my report stating the collection account was placed in error, but would not delete it. Having just checked my credit report neither of these actions occurred. Information for both companies is as follows : MRS BPO, L.L.C.
XXXX XXXX XXXX XXXX XXXX NJ XXXX XXXX XXXX Electric Utilities XXXX XXXX XXXX XXXX XXXX PA XXXX XXXX
|
| 09/14/2020 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt was result of identity theft
|
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Web |
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I have called XXXX multiple times throughout this process, then disputed with not one but two collection agencies, XXXX and MRS , so far after months of attempting to resolve this dispute they have just changed hands with who I am dealing with in an attempt to force me into paying this debt that they are responsible for.
My phone was stolen on XXXX XXXX XXXX XXXX this year. On XXXX second I had reported my phone as stolen to XXXX on my account online, then received an email on XX/XX/XXXX about high usage on my account. I called XXXX immediately upon receiving this email, and l I told the operator that my phone was stolen as I had marked online ( as viewable from the text proof from XXXX that I had them send me later for a stolen phone insurance claim ) and told them to pause the account, and that I would be moving that number over to Visible. He told me that there would be no issue with that and I would not have to worry about future charges and that the current charges would be marked as fraudulent and set to {$0.00} for me. Proceeding from there more charges occurred with a foreign contact in XXXX during which after each warning email I received I called XXXX and told them these were again fraudulent and to confirm that I would not be responsible for the charges since they continued to grow. From this point forward I was told varying information each time. After the final dispute, I told them that they should send the charges to dispute as they were not me and I had been transparent and honest with each representative. the appropriate phone/service balance with XXXX has been paid off as has the last account/contract charge. The only charge left is the international fraudulent charges. I do not have any specific names of the three representatives I spoke with, just that the contacts started on XX/XX/XXXX, but that I had marked my phone as stolen on XX/XX/XXXX as is verified by the XXXX text message I received after trying to look into my trail of communication.
The real issue which I would like the CFCB to look into is that I have sent this information to XXXX, XXXX, and MRS BPO, all three of which asked for the info and for me to call, then have proceeded to move the debt to another company for me to deal with. I am currently in the process of trying to get a mortgage and this has significantly impacted my ability to do so. This debt should be removed and if further action is needed against XXXX/MRS BPO about harassment of customers I would be willing to testify and take this to court as there needs to be clearer protection from this.
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| 05/18/2021 |
Yes |
- Debt collection
- Other debt
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- Attempts to collect debt not owed
- Debt was paid
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The account for the debt in question was closed on XX/XX/XXXX and has been closed since then. I went to the address of the original creditor and I received a customer receipt for the rightful return of the original creditor 's equipment on XX/XX/XXXX. For some reason, even though the debt was settled with the original creditor, and account was closed, my account was sent to collections ( MRS BPO ) on XX/XX/XXXX and appeared so on my credit report on XX/XX/XXXX. I was forced to dispute this false information on the same day. I provided proof of my receipt, closed account and, settled debt ( via picture ) to XXXX. On XX/XX/XXXX, I won my dispute, and XXXX confirmed that the account was indeed closed, and settled. The collection was removed from my report that same day, and of course my score went up significantly. On XX/XX/XXXX they reappeared on my XXXX credit report and my score shot down significantly. Once again, I was forced to dispute FALSE INFORMATION, coming from MRS . This time, it was NOT as simple for me to dispute as XXXX was previously. XXXX, for some odd reason does not allow consumers to send in pictures or information regarding proof of closed account, settlement or paid debt. There is no option for it. I must mention that I truly believe MRS knows this, which is why they WAITED 2 whole weeks to double back and re-file the collection with XXXX. So it was a bit harder to prove to XXXX that this debt was settled and closed because I wasn't able to send in additional documents. I provided the same infomation to XXXX, that I provided to XXXX, minus the documented receipt. I am being constantly messaged by MRS about this debt, it is very annoying. I actually received a message from MRS right before typing this up. I spoke with XXXX yesterday, XX/XX/XXXX to follow up on the status of my dispute, expecting good news. Instead I was told that the collection account was valid and that MRS provided adequate information. When I asked if I was able to submit any further information about the dispute ( ie. proof, documents ) I was told that I lost the dispute and that they could receive no further information on this dispute. I dont want to have to live with this FALSE {$90.00} collection on my report for 7 years ... I was told that I would have to contact MRS , and hope that out of the " kindness of their hearts '' that they'd ask for the collection to be deleted by the bureaus since the collection was re-filed somehow. I have been greatly inconvenienced by everything involving MRS and this situation.
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| 07/06/2022 |
Yes |
- Debt collection
- Other debt
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- Attempts to collect debt not owed
- Debt was result of identity theft
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Web |
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To Whom it may concern, This letter is to inform you that I recently received a copy of my credit report that your company publishes and after reviewing it I found a number of items on the report that are inaccurate. The accounts in question are listed below.
Please send me copies of the documents that you have in your files as of this date that you used to verify the accuracy of the accounts listed below.
1. Under 15 U.S.C. 1681i ( 7 ) Method of verification this account is in violation it was reported without valid evidence.
Account Name : XXXX Account Number : XXXX Please remove it from my credit report.
Under the Fair Credit Reporting Act, XXXX U.S.C. 1681g I have the right to demand that you disclose to me all of the documents that you have recorded and retained in your file at the time of this request concerning the accounts that you are reporting in my credit report. Please dont respond to my request by saying that these accounts have been verified. Send me copies of the documents that you have in your files that were used to verify them. If you do not have any documentation in your files to verify the accuracy of these disputed accounts then please delete them immediately as required under Section 611 ( a ) ( 5 ) ( A ) ( i ). By publishing these inaccurate and unverified items on my credit report and distributing them to 3rd parties you are damaging my reputation and credit worthiness.Under the FCRA 15 U.S.C. 1681i, all unverified accounts must be promptly deleted. Therefore, if you are unable to provide me with a copy of the verifiable proof that you have on file for each of the accounts listed below within 30 days of receipt of this letter then you must remove these accounts from my credit report. PLEASE DELETE ALL ACCOUNTS THAT ARE NOT METRO 2 COMPLIANCE.
Please provide me with a copy of an updated and corrected credit report showing these items removed, I demand the following accounts be properly verified or removed immediately.
PLEASE BE AWAR THAT DEPENDENT ON YOUR RESPONSE I MAY BE DETAILING ANY POTENTIAL ISSUES WITH YOUR COMPANY VIA ONLINE PUBLIC PRESS RELEASE INCLUDING DOCUMENTATION OF ANY POTENTIAL SMALL CLAIMS ACTION. I AM ALSO INCLUDING A COPY OF MY COMPLAINT TO THE ORGINATION BELOW : CC : XXXX XXXX ASSISTANT DIRCTOR OF ENFOREMENT CONSUMER FINANCIAL PROTECTION BUREAU CC : CONSUMER FINANCIAL PROTECTION BUREAU CC : XXXX XXXX XXXX CC : STATE SENATE CC : FEDERAL DEPOSITE INSURANCE CORPORATION CC : COMPTROLLER OF CURRENCY CC : CREDIT AND INSURANCE CC : STATE REGULATORY AGENCY
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| 05/23/2021 |
Yes |
- Debt collection
- Other debt
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- Written notification about debt
- Didn't receive enough information to verify debt
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Web |
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I found out that MRSBPO LLC had opened a collections account via a credit monitoring service as derogatory mark against my account. The account was opened XX/XX/XXXX.
Previously I had no notification, or contact with MRSBPO LLC. The original account was a XXXX account which had an additional month of service billed after cancelation of the account, which was disputed with XXXX.
Originally it was attempted to be resolved directly with XXXX but they did not have enough length of record to determine why this additional month of service was owed. XXXX refused to drop the amount, even though I had record of all months of service paid in full up to the receipt and confirmed date of return of equipment. Which by direction of XXXX themselves, was to be specifically XX/XX/XXXX in order to NOT incur another month of payment.
This debt was passed to collection. A company called XXXX XXXX XXXX opened a similar tactic account with out ever contacting me. This was submitted in a previous CFPB complaint ID : XXXX.
XXXX XXXX was supposed to send me written debt verification, we sent some emails, confirmed mailing address, etc. Talked with them on the phone, they closed the account they had opened on my credit with OUT verifying debt. And then never sent me anything or called me back, etc.
It appears they just passed the account on to MRSBPO LLC. Which some background research has lead me to find that they attempt to notify XXXX accounts by sending a MMS message image to phones. A tactic commonly utilized by scammers and is prone to being automatically filtered by anti-spam software on newer smartphones.
Having never sent a written letter ( which a correct address would have been confirmed from the dealings with XXXX XXXX ) or a voicemail, phonecall, etc.
When I called them to notify they had fraudulently opened my account with out ever making a meaningful attempt to notify or verify the debt they denied they had done anything such, and suggest I provide my attorneys number.
I expressed to XXXX XXXX that I had a full record of my payments to XXXX from starting service, which XXXX themselves admitted they do not even have. Of which I payed in full ever month of service up to my physical return of the equipment.
At this point the account is just being bounced from agency to agency and they are utilizing damage to credit score to bully a payment.
Attached was the originally disputed account from XXXX XXXX, the last email correspondence and the new account as reported on credit monitoring services.
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| 06/19/2021 |
Yes |
- Debt collection
- Other debt
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- Attempts to collect debt not owed
- Debt was result of identity theft
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Web |
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I am opening a consumer complaint against MRS BPO , LLC for a debt that was opened due to identity fraud. On XX/XX/XXXX, I opened a dispute with XXXX Credit Bureau regarding unfair and inaccurate debt reporting. MRS BPO , LLC. continues to report a collections account on my credit file with XXXX see attached documentation. On XX/XX/XXXX, I received an alert on my XXXX credit bureau monitoring services of a collections account from MRS BPO , LLC. for a debt I have no prior knowledge of. According to the data provided to the credit bureaus, this account was placed for collections on XX/XX/XXXX ; however, I never received any communication from this company before the account was added to my credit report.
As a result, I called XXXX Credit Bureau to dispute the account. I noticed the address associated with the account was XXXX XXXX XXXX XXXX NC XXXX. I have never lived in North Carolina and have been a lifelong Michigander since XXXX. Upon being notified of the additional address on my credit file, XXXX removed all references to the account and the North Carolina address, leaving XXXX as the only credit report in which this fraudulent account remains.
On Tuesday XX/XX/XXXX, I sent MRS BPO , LLC. a debt validation letter disputing the debt and notifying them of the fraudulent activity via US mail ( copy of the letter attached ). As of XX/XX/XXXX, I have yet to receive a response from MRS BPO , LLC. regarding this debt.
I have a stellar payment history current on all payments for 19+ years and have always paid my debts on time. I have never lived in North Carolina and have not had an account with the original creditor ( XXXX XXXX XXXX XXXX ). By listing an account that is knowingly fraudulent with an incorrect balance and falsely updating this information monthly with XXXX, MRS BPO , LLC. is violating the FCRA and FDCPA.
I ask for your assistance in remedying this situation by having this account removed from my credit report. MRS BPO , LLC. must correct their records and cease all debt collection on this unverified, invalidated, and fraudulent debt. I greatly appreciate your assistance in resolving this error and removing this blemish from my account. Please feel free to contact me with any questions.
**Please note this is the second attempt from a collection agency to collect on this fraudulent account - The first attempt was from XXXX XXXX XXXX XXXX I have notified all three credit bureaus of this via written and telephone communications. **
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| 11/15/2017 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
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- Incorrect information on your report
- Information is missing that should be on the report
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I had a prepaid cell phone service with XXXX. I terminated the account with them and never received a bill and they placed my account in collections and it was reflected on my credit report. I paid that bill of {$240.00} off and I found another collection account, placed on my credit report, 2 years later under XXXX. I called and spoke with XXXX and they said it was for a cell phone that was n't returned. I have tried several times to return the cell phone an each time, I was told they could n't take the phone, because the account was a collection account. I called XXXX on XXXX/XXXX/XXXX to clear up, this second collection account on my credit, as I have no idea of why it is there. And I was told they could n't accept the phone again and they could n't discuss, my account with me. I was given a second number to call XXXX and the number was to a company ( MRS Bpo LLC ) a collection agency.I Spoke with a XXXX XXXX XXXX, he only wanted to discuss making a payment to a company, that was not on my credit report, nor I had never done any business with them.
I reviewed my credit file again, there is no record of ( MRS Bpo LLC ) on my credit file, I have XXXX listed as a collection account for {$1400.00}. I paid my last bill and never received any other bill request for payment.
Under the Fair Credit Reporting Act ( FCRA ) if it is inaccurate, it must be remove permanently. I do n't owe XXXX, nor XXXX XXXX XXXX, has damaged my credit file and XXXX is trying to defraud me and extort monies from me. I am requesting that the negative account be removed and any future business or contact by XXXX XXXX cease and desist. I have no business dealing with their company.
I have attached several copies for my credit report, one showing I paid off the XXXX bill, after the account was closed and placed in collection, a second copy of the report, showing the second collection, showing up 2 years later and under XXXX and is what both parties are saying is correct. XXXX is not the debtor, but, it is listed under XXXX and not XXXX XXXX as of the date of this filing. Both parties are in v violation of the ( FCRA ) with inaccurate information. If they ca n't keep record of whom, the account is in control of, how can I as the consumer, have any idea of whom to pay or return the cell phone to, as I still have it in my care to this day. If the debt is for a cell phone, that was n't returned, then this is a easy fix, they receive their phone and release my credit file of the debt.
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| 10/10/2019 |
Yes |
- Debt collection
- Credit card debt
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- Communication tactics
- Used obscene, profane, or other abusive language
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Web |
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I received a letter on XX/XX/2019 that was dated XX/XX/2019 stating that I owe {$2600.00} Before I even opened this letter, I knew that this letter was for a debt collection. The neighbor that received my mail by accident also made a comment about the fact that this letter was from a collection agency, also without opening the letter.
In today 's day in age, people are nosy and almost everyone has access to the internet.
I have attached a picture that shows the collection agency 's name and address right on the front of the letter in the address fields.
Since I am a debt collections manager myself, I know that this is illegal due to third party disclosure laws that are regulated through the FDCPA protection laws.
It's very easy for someone to XXXX the company listed on the letter in order to see that it is a collection agency sending the letter which in turn discloses that I may have a debt with that agency, as there aren't other many reasons for such a letter to be sent by that type of company. Since this company handles many types of debt, it's a pretty popular one that many people know about and some people may not even have to XXXX it to figure that much out.
This embarrassing issue is one that no debtor deserves to go through since there are so many laws that prevent such practices that divulge the fact that I have dealings with a collection agency to people other than the one that owes the debt. Also, since the letter took so long to get here, it's possible more than just my neighbor now knows about my personal business matters are with a collection agency.
This issue is not only not acceptable due to morality issues, it is illegal. Also there have been agencies in the past that have had major lawsuits dealing with this exact issue. Those cases outcomes are what helped cause the laws to be the way they are now.
I will consider not perusing legal action against MRS if they are willing to rectify this situation by paying my account off, in full, in the month of XXXX.
Compared to the potential consequences and costs of this going to civil court, this option would be a much cheaper and less damaging to the company 's reputation.
If this issue is not dealt with by the company appropriately, I will have little choice but to take further actions in order to get compensated for the humiliation I experienced caused by this agency 's negligence of ensuring that my PERSONAL business matters remain private and not displayed for the public to see.
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| 11/06/2020 |
Yes |
- Debt collection
- Other debt
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- Written notification about debt
- Didn't receive notice of right to dispute
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Web |
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I received several alerts on XX/XX/2020 about a new collection account being added to my credit reports from MRS Associates for a XXXX account. I am not familiar with this debt and never received any letters in the mail in regards to this debt. It is my understanding that I should have received a notice of the debt including the amount of the debt, name of the original creditor, notice of my right to dispute within 30 days and name and information of the original creditor if different from current creditor. I did not receive any such letters.
I called MRS Associates on XX/XX/2020 and spoke to XXXX. I expressed my concern with the fact that my rights had been violated due to them not providing a notice of debt or right to dispute letter in regards to this account. XXXX said they tried contacting me and had sent an email. I triple checked my emails on XX/XX/2020 and XX/XX/2020 and had no such emails. I asked if after sending those emails, they had mailed a letter to the address on file within 5 days of that communication with the notice of debt and right to dispute as they are mandated by FDCPA. XXXX advised that they did not have to physically mail a letter. I asked XXXX if the alleged email she is saying they sent contained a notice of the debt including the amount of the debt, name of the original creditor, notice of my right to dispute within 30 days and name and information of the original creditor if different from current creditor and she stated she was not sure but said it " should have '' included the information.
I proceeded to inform XXXX that they had violated my rights in not sending the notice of debt and right to dispute and they needed to remove the collection from my credit report, send me the appropriate notices and allow me my right to request full validation. XXXX said she was not a lawyer and did not need to know the laws and that they would not be removing this from my credit reports. I asked that she remove me from emails or any other communication other than US Postal mail and she said they could contact me in any way they saw fit. I asked XXXX to send a record of all former communication and she said they could sent it but I would still receive correspondences by email only even though I specifically requested to only be contacted my US postal mail. This company has failed to follow initial steps required to place a collection on a consumer 's credit report and have violated my rights under the FDCPA.
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| 09/13/2022 |
Yes |
- Debt collection
- Other debt
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- Written notification about debt
- Didn't receive notice of right to dispute
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Web |
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On XX/XX/XXXX I received an alert from XXXX XXXX as well as XXXX that there had been a change to my credit report. My credit dropped XXXX points from XXXX to XXXX ( you don't get this type of score by not paying your bills! ) It listed MRS Associates as they reporting agency and said I owed {$59.00}. In digging deeper it said the original account that the debt was owed to was XXXX. I knew it must be an error and called XXXX immediately. It was the end of the day and they told me to call back on Monday which I did as soon as they opened. The person that I spoke with told me that it was for a modem that had not been received. We sold a 2nd home during COVID and XXXX sent us 2 mailing labels to mail the modem and 2 boxes back, which we did. We did receive a letter from XXXX saying that they did not receive the modem but my husband provided proof of the receipt from the UPS store.That was in XXXX or XXXX of XXXX and we never heard another word. They have our mailing address but NEVER did we get another notice. And NEVER did XXXX XXXX ( which I verified also had our correct mailing address ) send us any type of notification before reporting me to the credit bureaus. I spent time on the phone with XXXX and eventually paid the {$59.00} to clear the issue and then took the issue up with XXXX. In my call to XXXX I aksed how they could turn us in to a collection agency without ever notifying us so that we had a chance to dispute it. The representative had no answer, he did verify that they had received two boxes, one on XX/XX/XXXX and the other on XX/XX/XXXX but could not tell me what was in the boxes, only that they still showed a missing modem. They got the modem, it just wasn't marked as received. I was told they would open an investigation to see if they could locate it. The account was XXXX years old, we never had a late or missed payment and were never notified that there was still an issue. I would like this removed from my credit! I just don't see how it's fair to never even notify a customer that there is an issue and turn you in and damage your credit. Both XXXX and XXXX verified our mailing address so there is no way we would not have received communication if either of them bothered to send us anything. I am furious that I had to pay {$59.00} for an item that we shipped ( and they received ) but even more furious about taking a hit to my stellar credit that I have worked hard to build and maintain.
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| 12/27/2019 |
Yes |
- Debt collection
- I do not know
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- Attempts to collect debt not owed
- Debt was result of identity theft
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Web |
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In XX/XX/XXXX I received a letter from a collection agency XXXX XXXX, XXXX ( Address : XXXX XXXX XXXX, XXXX, PA XXXX ), dated XX/XX/XXXX ) regarding Creditor : XXXX XXXX, regarding an amount owed of {$80.00}. As the only account I have ever had with XXXX was the standard account where all payments were made through my credit card or debit card, I was confident this did not belong to me.
I contacted XXXX XXXX and they confirmed that this was a Business account created in XXXX under my SSN #, however an e-mail address that was not associated with me. After speaking with a XXXX at XXXX, he agreed the account looked suspicious and deleted the account and indicated that since there was not further activity on the account that the balance should be resolved.
In XX/XX/XXXX, I received a second collections letter, but this time from a MRS BPO LLC agency ( Address : XXXX XXXX XXXX, XXXX XXXX, NJ XXXX ). I contacted this agency, speaking to a XXXX XXXX and a XXXX. My case was sent for investigation. I received NO response back from the agency or XXXX credit even though I was told someone would contact me.
I assumed the issue was resolved until I received another letter from MRS dated XX/XX/XXXX, with a NEW account #. This letter indicated a 'Charge off Date : XX/XX/XXXX ', no indication as to what this means. I contacted the agency XX/XX/XXXX and they said the investigation came back from XXXX indicating no change to collections balance. I was transferred to XXXX credit who could no longer locate the account to investigate further. XXXX then indicated that the debt had been sold from one collection agency to another and that maybe the debt had been sold prior to me resolving the issue with XXXX initially. At this point XXXX gave me a phone # XXXX to the original bank holding the credit ( XXXX ), however I had not luck contacting this agency to speak with an agent. At one point I was even transferred to an XXXX credit agent.
Note that between XXXX when this account was created to XXXX I never received any communication from XXXX via phone, e-mail or mail indicating that I had an outstanding account.
I have made every effort to contact the related agencies to resolve this credit balance that I do not owe and was told by XXXX would be resolved. At the risk of my credit score I am refusing to pay this balance since these agencies can not seem to bother helping figure out how to resolve this issue.
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| 05/14/2017 |
Yes |
- Debt collection
- Credit card debt
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- False statements or representation
- Told you not to respond to a lawsuit they filed against you
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Web |
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To Whom I t May C oncern : MRS BPO , LLC of XXXX XXXX , NJ has been harassing me over unpaid credit card debt for years. Initially, I began to receive a collection letter or phone call once every few weeks ( the calls were always received on my mobile phone, which was and remains on the do not call list ). I notified them with the use of form language found through the CFPB that they were not to contact me going forward. However, the calls started arriving half a dozen times a day from different numbers and area codes. A representative of MRS BPO , LLC called my workplace and repetitively asserted to the receptionist that he had to speak to me because of outstanding debt and legal problems. He told her that if I was not pulled out of the meeting to answer his questions, the police would arrive to arrest me. This was, needless, to say, humiliating. Then my father XXXX XXXX XXXX XXXX XXXX , an XXXX in XXXX XXXX , Florida who is more th an thirty yea rs older than I am received a call from MRS BPO , LLC, but before they could reach him ( he was seeing a patient ), the representative made a point of characterizing my father ( who I 'm assuming he thought was me ) as a criminal, etc. to his office staff. My father had no idea what any of this was all about, and after panicking, he assumed it was some sort of strange extortion attempt. He told me about it later that day, and I asked him for the incoming number. Sure enough it was MRS BPO , LLC. Several weeks later, my mother receives a call on her cell phone alerting her that her son had done something very, very bad, but that they were not at liberty to discuss it or identify themselves. I 've never seen her so rattled in my entire life. She thought I had committed a heinous crime or was involved with organized crime or something of the like. Now for the straw that brok e the camel 's back : I examine my credit card statement, and without my knowledge or consent, MRS BPO , LLC has begun charging my new XXXX XXXX credit card, for what I can only assume is money they assume to be theirs, though I have disputed that assertio n in various venues for years. ( see attached screenshots ). These disputes have not led to any determination of responsibility. In short, MRS BPO , LLC violated basic debt collection regulations, humiliated me at work and with my family, and then stole from me.
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| 04/23/2022 |
Yes |
- Debt collection
- Other debt
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- Attempts to collect debt not owed
- Debt is not yours
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Web |
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XXXX XXXXXXXX is attempting to collect a debt because they did not turn the electric service off when I left the area.The amount is $ XXXX.I never have seen a bill or had an electric bill that big.I am disputing it.MRS Associates is the collector I also see MRS-BPO whatever that means.Ive never had an electric bill for this amount and it is impossible to get the bill that high because it would have been cut off before it could get that high.XXXX XXXX should have stopped service way before the bill was this much as I was not using the service at all.So this debt is because of terrible customer service from XXXX XXXXXXXX by not shutting off the electric service in a proper time frame when the residence was unoccupied.Nobody would shut the electric service off from XXXX XXXXXXXX on time or there would not be a {$1200.00} electric bill. I dont know what address this took place at nor have I ever received a bill for that amount anywhere in my life and Ive never had an electric bill that high in any place Ive lived.This could be another result of bad business practices by XXXX trying to make it harder for me.Im not sure where this electric bill was accumulated at all.The last date I see is XXXX of XXXX and I have been living in XXXX since XXXX so theres no way I had XXXX XXXX electric services in XX/XX/XXXX .My address is XXXX XXXX XXXX XXXX, XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX.I have been here for XXXX years now.I never had electric service with XXXX XXXX in the amount of {$1200.00} Please correct this on my credit report as soon as possible.The only way this bill could have happened is by someone using my name for an electrical service account with XXXX XXXX while I was unaware and or used electric service for an extended period of time in an unoccupied dwelling somewhere after service was supposed to be shut off.I am a XXXX person on fixed income so my electric was cheap n I had assistance with my bill.This is not my electric bill debt with XXXX XXXX period.XXXX XXXX would never allow me to go that many months without payment n keep service on until the bill was {$1200.00} Please remove this debt from my credit report as it is false information I am not responsible for.The collector doesnt provide any address for the outstanding bill and Ive never received a bill that big in my life.Especially when I had assistance to pay for electric service.
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| 11/13/2019 |
Yes |
- Debt collection
- I do not know
|
- Attempts to collect debt not owed
- Debt was result of identity theft
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Web |
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On XX/XX/19 I received a letter identified as from XXXX XXXX c/o XXXX, XXXX. XXXX XXXX, XXXX, MD XXXX that stated they regretted they were unable to approve me for the service because they were unable to verify my identity. I did not apply for a XXXX account, so this seemed odd. I have since contacted XXXX XXXX and their Fraud Department twice @ XXXX & XXXX and I have been told both times that there was no application for XXXX in my name at my address or any application associated with my social security number and no XXXX account exist. They also said the address on the letter from XXXX XXXX, declining credit, is not a valid bank address. However, I later received a collection notice from MRS BPO , LLC dated XX/XX/19 stating the current creditor was XXXX, XXXX with a MRS BPO , LLC account number, last four digets of a XXXX account number, that I have now confirmed with XXXX is invalid, and MRS BPO LLC claims I owe a balance of {$800.00} for XXXX chargebacks.
I sent MRS BPO , LLC collection agency a certified formal written dispute letter on XX/XX/19 explaining that I had been in touch with XXXX XXXX and the fraud department at this bank, as well, and there are no XXXX accounts on file in my name at my address, as shown on their letter, that I am attaching for your review. They responded back to me in a letter on XX/XX/19with a description of three chargebacks with chargeback fees equaling {$800.00} and each of the three charges reflected a different e-mail address, none of which were mine, yet MRS BPO , LLC somehow has my name and USPS mailing address on file and attached to these chargebacks. I have checked all three of my credit reports and there are no inquiries on my credit reports that my credit has ever been checked by XXXX XXXX XXXX or that I have any kind of existing XXXX XXXX account. I have explained to MRS BPO , LLC in writing that these accounts do not belong to me, however they have left them in my name on their last letter of XX/XX/19in another attempt to collect. Will you please investigate this, as I feel like it is some sort of criminal activity and MRS BBO, LLC is involved. I confirmed on the internet that XXXX XXXX XXXX, XXXX XXXX, NJ XXXX is a valid address for MRS BPO , LLC, as shown on their letters. Please investigate and advise me of the next step in stopping this fraud and contact from MRS BPO , LLC.
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| 06/14/2023 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
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- Credit monitoring or identity theft protection services
- Billing dispute for services
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Web |
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XXXX with account # XXXX is stating I owe {$2100.00} because they are adding a collection fee of {$150.00}. Now they have went an put on collections as I owe {$2300.00}. Yet, when called I was directed to a collection agency. They are Mrsbpo XXXX act # XXXX stating the same amount of debt on file with XXXX . The collection from XXXX is one reporting imporperly as it should be Mrsbpo XXXX furnishing on my credit file and XXXX would technically be a charge off account. Yet, heres the kicker... ..Mrsbpo is part of XXXX. I noticed that I had a collections once it hit all three of my credit files. I was not sent anything to dispute this debt an be givin 30 days. They are now violating many of my rights under the FCRA because not only are they furnishing incorrectly and I have right to 100 percent accurate credit file at all times they now added fees for collections that in which is aginst the law. But doing as if its XXXX but its for Mrsbpo. Also after seeing they put on credit without validating or sending me anything they then sent me a dunning letter with ofcourse more violations to count! XXXX didnt even send the proper validating papers. I was one piece of paper. I called to request where they came to amount as I need an itemized bill to explain and the papers they sent make no sense as im not sure where amounts are comming from. This account needs deleted due to many violations to my rights. Both accounts are not accurate and clearly cant validate properly the debt and I want deleted and for Mrsbpo to handle the invoice within the thirty days as I have the right under the FCRA.15 USC 1692f ( I ) unfair practices XXXX Violated- paper dont tear to send in amount Violated proper furnishing of credit file Violated adding fees to a debt bought out Violated communications to validate before furnishing file Violated still being on credit file while being disputed threw below account that's actually XXXX account.
Mrsbpo Violated- Dunning letter symbols Violated where paper dont tear for amount Violated claiming a debt when I didnt get to dispute when stating XX/XX/2023 Violated being as they will accept money but check to be made out to XXXX and manyyy manyyy more violations thats on the invoice.
wont allow me to add more photos*** I have more of the documents if needed but I think these should be sufficant enough
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| 05/27/2020 |
Yes |
- Debt collection
- Auto debt
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- False statements or representation
- Attempted to collect wrong amount
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Web |
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Original Creditor : XXXX XXXX XXXX XXXX # : XXXX XXXX CREDITOR ACCT # : XXXX XXXX XXXX, XXXX.
XXXX XXXX XXXX.
XXXX XXXX, NJ XXXX XXXX In XX/XX/2016 I was involved in a vehicle accident. There were issues with the insurance company. Once the issues were retroactive The insurance paid their portion, GAP paid their portion.
The insurance did not pay the original amount due to the information that was communicated via XXXX XXXX. The vehicle had been sold. The title that was presented to my insurance company at the time.
Due to the insurance issues XXXX XXXX repossessed my vehicle. I don't have a date nor do I understand how does a company repossess 's a damaged vehicle. Nor was it communicated either that the vehicle had been repossessed. That information was provided through my insurance company at the time.
The reason for my complaint is because XXXX XXXX is providing fraudulent information towards my credit report. They were paid in full by the insurance company what they should receive. Due to XXXX XXXX 's mishandling of the account at the time. Therefore, the amount of {$4500.00} should not reflect upon me. I do not owe this amount nor do I have knowledge of this debt. By this company mentioned above. Nor by XXXX XXXX.
While this issue was going on with the insurance company at the time I also communicated with XXXX XXXX once a week to keep them informed. I spoke to a representative who was rude, and unprofessional.
Since my vehicle accident I have attempted several ways to expunge this debt from my credit as it is not a charge off.
This fraudulent debt is a defamation of my character. Nor does this help my credit in any form or fashion.
If I was able to resolve this issue with my insurance company at the time then XXXX XXXX should be responsible enough to understand and remove this fraudulent debt from my credit report. XXXX XXXX received payment for the vehicle regardless of the time frame. Therefore, this is not a repossession. This is a vehicle accident.
I can not control what Fraudulent Lies XXXX XXXX presumes to fabricate. XXXX XXXX received a payment. End of debt that is originally not a debt.
XXXX XXXX will give you a loan knowingly knows you will eventually default on the loan. Then lie and ruin your credit with those lies.
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| 02/06/2017 |
Yes |
- Debt collection
- Other (i.e. phone, health club, etc.)
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- Cont'd attempts collect debt not owed
- Debt is not mine
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Web |
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In XXXX of 2016 prior to the XXXX XXXX due date, I suspended all lines of my prepaid XXXX service using the online suspension option through the 'My Account ' on XXXX XXXX website. A few days later I entered the XXXX store located at XXXX XXXX XXXX XXXX XXXX XXXX, KY XXXX to confirm the disconnect of my prepaid XXXX service with the representative there and explained my reason for the disconnect. It was of mutual understanding that though I was ending my relationship with XXXX that I would indeed submit payment in full for the current phones once the final bill for said phones arrived in the mail.
In XXXX 2016 when I received a past due bill for services never used, I consulted a XXXX representative via chat on the XXXX website. I was told then that the account would be taken care of and again I would receive a bill for the phones only, which I repeated my understanding for and would submit payment in full for the phones once the adjustments were made.
In XXXX 2016, I received a call from a XXXX billing representative about the past due bill, which has yet to be adjusted properly. At that time, we had a conversation regarding the fact that my XXXX account was always a prepaid account and that I would not be submitting this payment for the months of XXXX and XXXX considering I had, 1 ) Suspended the phones online AND requested a disconnection in person at the store at and 2 ) did not use my prepaid lines during the XXXX and XXXX prepaid billing cycle that unbeknownst to me were never disconnected by XXXX as I had requested to be done, twice. The CSR that I spoke to that day acknowledged that my account was prepaid, acknowledged the fact that I had cancelled, and told me at that time I would be sent a bill for the phones ( which I agreed that I owed that {$250.00} ), and that the existing charge would be adjusted to reflect the amount for the phones only.
XXXX and its creditors continue to harass me via phone, my wife 's phone, and by postal mail. I have sent numerous letters to dispute the charge, the reason for the dispute, and the acknowledgement of my owing {$250.00} for the phones. They have yet to acknowledge in wrong doing and refuse to adjust the bill to reflect only the charge for the phones.
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| 11/08/2023 |
Yes |
- Debt collection
- Telecommunications debt
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- Written notification about debt
- Didn't receive notice of right to dispute
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Web |
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On XX/XX/XXXX I was made aware of a change to my credit report. A company by the name of MRS DPO, LLC had presented an account for collection bearing my name. That day at approx. XXXX XXXX EST I reached out to MRS. DPO where I spoke with a representative by the name of XXXX. I explained to XXXX I wasn't aware of any outstanding debt, and was not made aware by the alleged creditor and/or MRS DPO prior to any reporting. She explained they received the account on XX/XX/XXXX ( the alleged account was closed as of XX/XX/XXXX ), the account was sold and serviced by another collection agency around XX/XX/XXXX. Again, I explained I had no knowledge of the debt and per 15 USC 1692g I should've been provided with the opportunity to validate the debt. XXXX advised they sent me an email on XX/XX/XXXX, which perhaps may have gone to my junk mail. Outside of that being a ridiculous mode of contact, seeing as they're a third party debt collector, with no first-hand knowledge of any alleged accountit still doesn't absolve MRS DPO, per the FDCPA, to provide me with written statement affording me the opportunity to validate the alleged debt. After a bit of digging I was able to locate an email ( the only email ) I have from MRS DPO, which contains absolutely no information and any prudent, reasonable person would deem the email as a scam. This email contains no information that would indicate that MRS DPO is a legitimate company. The notice contains only my name an some verbiage about how I owe an alleged debt. The email doesn't have an original creditor, an amount owed, an account number, etc. I find in grossly irresponsible to merely report an account to the credit bureaus with no first-hand knowledge of any consumer interaction between myself and the alleged creditor. I reached out to their compliance department via email on XX/XX/XXXX with no response. I followed up today, via phone. I spoke with a manager, XXXX, she pretended as she was unable to hear and proceeded to disconnect the call. A quick XXXX review will provide some insight into how this company operates. I want this account removed from credit report ( s ) immediately. In addition, I will pursue remedy to the limits provided to me pursuant to the FDCPA.
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| 06/09/2020 |
Yes |
- Debt collection
- Other debt
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- Written notification about debt
- Didn't receive enough information to verify debt
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Web |
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On XX/XX/XXXX of 2020, I received a call from a number identifying themselves as a representative of MRS BPO , LLC asking for my social security number. I was uncomfortable providing my personal information to a number and company I didn't recognize and asked for mail correspondence to confirm their existence. I received that letter on XX/XX/2020 indicating that I had owed XXXX ( account XXXX ) nearly {$150.00} for an unidentified service. I contacted XXXX to understand what the charge was for. I called multiple times and went to two of their local stores, each time being told that I did not have an account with XXXX. I filed a dispute letter with MRS BPO sent XX/XX/2020 and received by certified mail on XX/XX/2020 explaining that I had no services through XXXX except for my parents ' phone plan, but that my parents covered that bill and it would not be charged to me.
I did not receive a response within 30 days nor have I received any response thereafter, and I allowed MRS BPO an additional month due to delays that may have occurred during the pandemic before filing a dispute with the 3 credit reporting agencies on XX/XX/2020. I learned following the filing of the dispute letter that this debt collection action was reported to the credit reporting agencies. I am awaiting a response from those credit agencies within the next few weeks.
However, I received a letter on XX/XX/2020 from a group identifying themselves as XXXX XXXX trying to collect the same debt. I am initially concerned that MRS BPO is trying to skirt the protections of the Fair Debt Collection Practices Act by assigning the debt to a new company after receiving my dispute letter, which put MRS BPO on notice that it could not make attempts to collect on the debt. I guess I now will have to dispute the debt with XXXX, taking additional time and money.
I still have not received any information that I owe XXXX any money, and they have confirmed to me by phone and in person that I do not have an account with them. I have not received any services from XXXX outside of my parents ' phone plan. Now, I am dealing with 2 debt collection agencies without having been apprised of the grounds for the debt collection action.
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| 09/21/2023 |
Yes |
- Debt collection
- Telecommunications debt
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- Attempts to collect debt not owed
- Debt is not yours
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Web |
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I have been receiving text messages from a strange phone number stating that I owe money to Spectrum/Charter. I have handled these false allegations with XXXX and with XXXX. When I originally signed up for spectrum, I was receiving their services at my apartment complex for over 3 years. XXXX was then automatically shut off. I reached out to XXXX and was told that My apartment complex had turned off all Internet and cable service with XXXX XXXX because the contract was not renewed. I was a little upset that I was not advised of the changes as payments continued to be paid to XXXX. When the changes were made, I was advised to return their equipment. Since their services with my apartment complex were no longer allowed a technician had to come into our complex to remove all cables and equipment ( professionally ) XXXX customer service advised that the equipment can be handed to the tech support team or to be dropped off at the nearest XXXX store. All equipment had been returned. I spoke to multiple customer service specialist who advised that I did not owe any money to XXXX because I had overpaid them, so some payments were mailed back to me. After all issues and changes were resolved. I started to receive calls from XXXX again. I filed a dispute with my creditors and merchant advising them of the negative impact on my credit. XXXX and XXXX agreed that my allegations were valid and apologized for the inconvenience and deleted the negative charges. However, this issue is now back as I see that XXXX XXXX has sold my information to a debt collector and the debt collector is obviously doing their job by trying to collect. I am so disappointed with these allegations as I continue to deal with an unethical debt collector. I am requesting to remove this debt from my credit report as this is an unethical sales tactic to collect debt that is no longer owed to XXXX and it is not mine. Please I ask for assistance to have this collection company to stop harassing me and reporting false information to my credit. I am currently trying to move out of my apartment complex, and I CAN NOT do that when a collection company is reporting false information and lowering my credit score.
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| 04/03/2020 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
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- Incorrect information on your report
- Information belongs to someone else
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Web |
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Around XX/XX/2019, we started getting numerous phone calls from MRS . I didn't recognize the caller, and the phone they were calling is mostly just a landline for the computer. At one point my wife had had enough and answered. She was told they were trying to collect a debt owed by someone with my name. She apparently talked to the " nice man '' for awhile and wrote down a number for me to call him back. Other than being mad that she even talked to this person, I know that I am not behind on any bill and that I have received nothing in the mail saying I owe anyone anything. I figured it was a scammer. I did not call the " nice man ''. They continued to call. I finally answered. I asked what it was about. They said debt collection. I told them that I am not even one month behind on ANY bill, have not been, and they obviously have the wrong person ( There are 2 or 3 people with pretty much the same name as mine in my town ). I told them it is not my debt and stop calling me. Never heard from them again. Now I see that my credit score has inexplicably dropped 100 points, so I check with XXXX. They list a collection put on my record at about the same time as I told MRS to stop calling. MRS is the collector, $ 1200+ for XXXX XXXX XXXX ( I haven't had an XXXX XXXX XXXX account for as long as I can remember ). There was also an address for me in Indiana. Have never lived outside of Ohio. There was a variation of my SS #, they only show the last 4 digits, it was off by 2. XXXX wouldn't let me dispute the address because " more than one creditor listed it for you '' The 2 " creditors are MRS BPO and MRS Associates, ONE creditor gaming the system to make it impossible for a person to correct their credit report until they pay extortion money, apparently. Since I'm not in need of additional credit any time soon, I'm not over their barrel. This was put on my credit report fraudulently, without any proper notification of any debt owed. How is it possible for these scam artists to place totally bogus information into someone's credit report? Shouldn't there be some type of alert sent when a new address, SS # or a collection account is put on an otherwise squeaky-clean report?
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| 09/18/2018 |
Yes |
- Debt collection
- Private student loan debt
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- Threatened to contact someone or share information improperly
- Talked to a third-party about your debt
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Web |
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Company : XXXX Address : XXXX XXXX XXXX XXXX XXXX, NJ XXXX Phone : XXXX Myself and my brother have spoken to the representative XXXX XXXX XXXX and her Manager, I've tried on several occasions to setup a reasonable payment plan with this company and their representatives and they refuse to allow me to setup a plan, First XXXX XXXX stated that I would have to put down {$3000.00} and then start a payment plan and then I spoke to her supervisor ( I can't remember her name ) and she advised that I would have to put down a {$1900.00} deposit then pay {$130.00} a month. This conversation was onXX/XX/18 at approximately XXXX EST. I spoke to XXXX XXXX approximately XXXX on XX/XX/18 attempting to setup a payment plan and she was really rude and told me that she couldn't tell me anything about the loan because it was in default and my brother XXXX XXXX XXXX the co-signer on the loan, XXXX XXXX XXXX me that she spoke to my Sister n ' Law XXXX XXXX XXXX is not on my loan at all, I spoke to my Sister n'Llaw XXXX XXXX and she advised me that XXXX XXXX advised her of my loan information, she stated that XXXX XXXX told her my loan terms, when it went into default, how much I owed, how many payments I was behind and when it went into default. My sister n 'law is not on this load at all and should not have received any of this information from XXXX XXXX XXXX XXXX XXXX While speaking to XXXX XXXX on XX/XX/18 I advised her after she told me that she had spoken to XXXX that she was to not tell her anything about my loan and she stated that I didn't have the authority to tell her who she could and couldn't speak to about the loan, by this time we were arguing and I told her that I just wanted to setup a payment plan and she said that she couldn't tell me anything about the loan and that I had to have my brother contact them to setup a plan.
I've tried to setup a payment plan with this company and they will not allow me to setup any terms that are reasonable and affordable, plus they violated my privacy by telling a 3rd party that isn't in the loan all my private loan information.
Please help with this situation.
Thank you, XXXX XXXX XXXX
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| 02/17/2023 |
Yes |
- Debt collection
- I do not know
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- Attempts to collect debt not owed
- Debt is not yours
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Web |
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Dear CFPB, I am writing to file a complaint regarding a debt collection activity that I believe is in violation of the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692 et seq. I received an itemized list of alleged charges from MRS BPO , LLC which claims I owe them money. However, this does not meet the Federal Trade Commission 's guidelines for proper debt validation under the FDCPA. I dispute the validity of this debt and demand strict proof and verification of the same, in accordance with 15 U.S.C. 1692g ( b ). I have requested debt validation in writing, and the collection agency should have ceased its collection efforts immediately upon receiving my request. Despite this, the collection agency proceeded to obtain a default judgment against me on the debt collection claim without first providing verification of the debt, in violation of 15 U.S.C. 1692g ( b ). I am aware that the collection agency is reporting this collection on my credit report, which constitutes a collection activity. This is in violation of the FDCPA, and I am entitled to collect damages of up to {$1000.00}, plus actual damages and attorney 's fees, if I file a claim in small claims court. These collections on my credit report are causing me severe problems and are preventing me from obtaining a home loan, with the potential for damages to reach into the thousands of dollars. Furthermore, I believe that the reporting of this invalidated information to major credit bureaus may also constitute defamation of character. The Fair Credit Reporting Act ( FCRA ) does not allow for the inaccurate reporting of information on my credit report. If the collection agency does not immediately remove this account from my credit report, it is subject to another {$1000.00} fine, plus punitive damages. Your company may also be in violation of the FCRA if it does not comply with this request.
I look forward to hearing from you within 15 days regarding this matter. If I do not receive a response, I intend to pursue legal action.
Thank you for your prompt attention to this matter.
Sincerely,
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| 05/12/2023 |
Yes |
- Debt collection
- Other debt
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- Attempts to collect debt not owed
- Debt is not yours
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Web |
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XXXX XXXX XXXX XXXX XXXX XXXX, VA XXXX SSN : XXXX XX/XX/XXXX Dear Collections and Consumer Relations Dept. : This letter is in response to your recent claim that XXXX XXXX has XXXX XXXX XXXX verified that I have an unpaid debt with them. Yet again, you have failed to provide me with a copy of any viable evidence submitted by XXXX XXXX. Be advised that the description of the procedure used to determine the accuracy and completeness of the information is hereby requested, to be provided within fifteen ( 15 ) days of the completion of your reinvestigation.
Additionally, please provide the name, address, and telephone number of each person contacted at XXXX XXXX regarding this alleged account. I am formally requesting a copy of any documents provided by XXXX XXXX, bearing my signature, showing that I have a legally binding contractual obligation to pay them.
A bank clerk looking at their computer screen, seeing my name listed in their database is NOT verification or validation of any alleged debt.
Be aware that I am making a final goodwill attempt to have you clear up this matter. The listed item is entirely inaccurate and incomplete, and represents a very serious error in your reporting.
Failure to comply with federal regulations by credit reporting agencies are investigated by the Federal Trade Commission ( see 15 USC 41, et seq. ). I am maintaining a careful record of my communications with you for the purpose of filing a complaint with the FTC, CFPB and the state of Minnesota Attorney General 's office, should you continue in your non-compliance. I further remind you that, as in Wenger v. Trans Union Corp., No. 95-6445 ( C.D.Cal. Nov. 14, 1995 ), you
may be liable for your willful noncompliance.
Failure on your behalf to provide a copy of any alleged contract or other instrument bearing my signature will result in a small claims action against your company. I will be seeking {$5000.00} in damage for the following : 1. ) Defamation 2. ) Negligent Enablement of Identity Fraud 3. ) Violation of the Fair Credit Reporting Act Sincerely, XXXX XXXX
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| 01/17/2020 |
Yes |
- Debt collection
- Other debt
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- Attempts to collect debt not owed
- Debt is not yours
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Web |
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To Whom It May Concern : This letter is regarding account, which you claim I owe {$240.00}. This is a formal notice that your claim is disputed. I am requesting validation, made pursuant to the Fair Debt Collection Practices Act and the Fair Credit Reporting Act, along with the corresponding local state laws. Please note that I am requesting validation that is competent evidence bearing my signature, showing that I have ( or ever had ) some contractual obligation to pay you. Please also be aware that any negative mark found on my credit reports ( including XXXX, XXXX and XXXX ) from your company or any company that you represent, for a debt that I dont owe, is a violation of the FCRA & FDCPA ; therefore if you can not validate the debt, you must request that all credit reporting agencies delete the entry. Pending the outcome of my investigation of any evidence that you submit, you are instructed to take no action that could be detrimental to any of my credit reports. Failure to respond within 30 days of receipt of this letter may result in small claims legal action against your company at my local venue. I would be seeking a minimum of {$1000.00} in damages per violation for : Defamation Negligent Enablement of Identity Fraud Violation of the Fair Debt Collection Practices Act ( including but not limited to Section 807-8 ) Violation of the Fair Credit Reporting Act ( including but not limited to Section 623-b ) Please Note : This notice is an attempt to correct your records, and any information received from you will be collected as evidence should any further action be necessary. This is a request for information only, and is not a statement, election, or waiver of status. P.S. Please be aware that dependent upon your response, I may be detailing any potential issues with your company via an online public press release, including documentation of any potential small claims action. I am also including a copy of my complaint to the organizations below : CC : Consumer Financial Protection Bureau CC : Attorney Generals Office CC : XXXX XXXX XXXX
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| 03/29/2019 |
Yes |
- Debt collection
- Other debt
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- Communication tactics
- Frequent or repeated calls
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Web |
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My complaint against MRS is multifaceted : repeated calls from often " spoofed '' numbers and autodialed, never received anything by mail, inadequate information to be able to dispute this collection attempt, concern I am the victim of identity fraud but unable to pursue as MRS is uncooperative and withholding information, never having been a customer of the company they claim the debt is from, and MRS refusing to provide their contact information. I receive multiple phone calls a week from this company, sometimes 3 or more a day. Calls are sometimes from an XXXX number, but more often they are from a " spoofed '' local number. They asked for me to give personal information, which I refused to verify over the phone. They then refused to tell me the name of their company, their address, their contact number, or the nature of their call. These calls have been continuing for roughly 6 months now. I no longer take their calls, as they do not seem reputable. I have received nothing in the mail, and no debt validation letter. I did receive 1 text message on XX/XX/2019 ( see attached screenshot ). The text states this is regarding a XXXX XXXX debt on behalf of another debt collector, XXXX XXXX XXXX. No account number has been provided. I have never been a XXXX customer in my life, so I know this is not my debt and their collection attempts are not legitimate. I have not received enough information from them to even dispute this ( no address, no account number, nothing by the mail ). Nothing has ever appeared on any of my credit reports. I am not sure if I have been a victim of identity theft, because when I reached out to XXXX with that very concern, I was told they could not search or verify without an account number to reference, which MRS has failed to produce. The callback number provided in the text does not match any online records for MRS BPO. Again, I have never done business with XXXX. I have no address to contact MRS in writing, and they have not provided adequate information for me to even dispute this collection attempt.
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| 01/22/2021 |
Yes |
- Debt collection
- Other debt
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- Attempts to collect debt not owed
- Debt was paid
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Web |
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The original debtor is XXXX XXXX XXXX. I contacted XXXX XXXX XXXX last year on XX/XX/2020 to cancel my wireless service to switch to XXXX. I was told to pay {$800.00} by XXXX XXXX XXXX to unlock the phone and settle the final bill. I paid the {$800.00}, and requested to cancel and Immediately discontinue wireless service as of XXXX XXXX. XXXX XXXX XXXX explained that it would take several days before they could close out my wireless account to make certain that my {$800.00} payment would go through, however on XXXX XXXX XXXX XXXX XXXX 's internal auto paid ( overcharged ) and billed me for wireless service {$73.00}.
*** See attached XXXX bill as proof that XXXX had control of my wireless account as of XX/XX/2020, but XXXX XXXX XXXX charged me regardless*** I called XXXX XXXX XXXX on many occasions to reverse the charge. I had signed up for XXXX XXXX XXXX auto billing and they had taken the {$73.00} without permission on XXXX XX/XX/2020. After Speaking to several very confused XXXX XXXX XXXX customer service reps to correct the overcharge, who couldn't explain or understand the overcharge, I had no choice but to contact my bank to reverse the overcharge. XXXX XXXX XXXX SAYS MY CREDIT CARD WAS REJECTED WHICH IS NOT CORRECT. I INSTRUCTED MY BANK TO REVERSE THE CHARGES DUE TO THE XXXX XXXX XXXX SYSTEM AUTO PAY OVERCHARGE.
XXXX XXXX XXXX claims this charge is for internet ( XXXX ) which is listed in XXXX XXXX XXXX systems internally and incorrectly. I cancelled my XXXX Internet service with XXXX XXXX XXXX in XX/XX/2020, four months prior to XX/XX/XXXX. XXXX was intertwined with my wireless service as a bundle promotion, which is the core issue with their billing algorithms and system.
*** See Attached XXXX XXXX XXXX bills showing that my home Internet service was not with XXXX XXXX XXXX in XXXX XXXX The bottom line is XXXX XXXX XXXX has listed this account incorrectly and has over billed me. No further bill should had been generated. I owe nothing, but the debt was sent to the collection agency ( MRS BPO ) nonetheless.
|
| 07/29/2020 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
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- Incorrect information on your report
- Old information reappears or never goes away
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Web |
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A local electric utility, charged me for months with readings from my neighbor 's meter. The probleme was investigated and the balance corrected after a lengthly complaint process with the Delaware Regulatory commissioner. On the phone, they promised to correct the issue. I demanded to have a new invoice, showing new balance. This was in XXXX. I attempted to pay with a credit card the corrected invoice, but could not, unless I provided my social security number - which I refused. Not until XXXX, when I tried to acquired a car that somehow, the balance shows up on my credit report. Reported by an agency OUT OF STATE. So I undergo a rate abuse!!! However, on a $ XXXX loan, which I paid off quickly and by same reduce insurance coverage. The entry goes away again, until this XXXX, when I began exploring a mortgage. I located a home and wanted a pre-qualification letter. XXXX XXXX ' said the high school drop out mortgage originator!
Here 's the XXXX email : " XXXX XXXX. Per our conversation today, I am not able to issue a pre-approval. If we did the first time buyer program, I would need to base your income on what you reported on your last 2 years tax returns. If we didnt use the first time buyer program the rate would be 5.25 % based on your score of XXXX. I am sorry, but I dont have enough income based on the documentation provided to get you qualified to purchase a house in the {$180000.00} price range. Let me know if you have any questions. Thank you, " The XXXX score is made that low because of one credit agency only " XXXX. '' Who refuses to correct the derogatory entry from the utility. The other 2 agencies made the correction. XXXX, is more interested in selling me " protections I don't need!
Please find attached a document showing a self-assessment on a the above mortgage. The guidelines are all in there ... Please help solve this woodoo. The bigger issue for me is to have a place where my 15 yo son, could come visit in, and learn to be a man, because at this point, he's the copy of his mother!
|
| 10/05/2016 |
Yes |
- Debt collection
- Other (i.e. phone, health club, etc.)
|
- Disclosure verification of debt
- Right to dispute notice not received
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Web |
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In preparation to buy a home I printed all XXXX of my credit reports on XXXX/XXXX/XXXX. XXXX reported a collection account of {$200.00}. I contacted the creditor XXXX XXXX XXXX XXXX XXXX XXXX and was told that account no longer existed. Two weeks later it was removed from my credit report. On XXXX XXXX, I received an alert that a new collection account had been added. The creditor only listed their name on my credit report but no contact info. After locating company info via internet, I contacted M.R.S. Associates to inform them that I never received any prior communication from them regarding the debt which is a violation of FCRA. I requested the call be recorded with rep XXXX. She stated they did not have my current address but I filed an official change of address with XXXX post office prior to moving to XXXX in XXXX XXXX. Despite their failure to properly notify me of this debt being placed with their office, I offered to pay the account in full but requested that the account be removed from my credit. XXXX reported that the company was not allowed to request info be removed. I requested to speak to manager to further discuss their unfair collection action. Spoke to XXXX and I again requested call be recorded. I again offered to pay the account in full if they would request info be removed from my credit reports, but was again told they could not do that. I strongly feel my FCRA rights have been violated because I was never given an opportunity to dispute the debt or pay it prior to me initiating the call today. They should not have been allowed to place account on my credit reports without sending me proper notification and allowing me to pay or dispute the debt. I again requested to speak with the next level manager, was placed on hold but was hung up on before being connected to anyone. I also plan to file a grievance with XXXX as well because after reading other complaints, this company has a pattern of not sending consumers information regarding debts prior to reporting them to credit bureaus.
|
| 03/17/2020 |
Yes |
- Debt collection
- I do not know
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- False statements or representation
- Impersonated attorney, law enforcement, or government official
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Web |
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This company which I have " NO CONTRACT '' with has no legal right to collect on this said debt. Reporting of the debt is a violation of the FCRA. Section 623 ( a ) ( 2 ), Section 623 ( a ) ( 1 ) ( B ), and Section 623 ( b ) ( 1 ) ( E ). Please provide me with a true and certified copy of the complete audit trail/Certified Final Forensic Internal Audit of said account. Furthermore, in order for this company to validate the debt, please provide verification through audit certification of debt entry in accordance with G.A.A.P., I.F.R.S., in accordance with basel 3 accord and U.N.C.I.T.R.A.L Conventions.
Notice Should you fail to provide Us with a copy of Our agreement and provide a persons name that We can communicate with then We will consider this matter at and end and notify you that any further demands for unsolicited goods and services will be regarded as claims for unjust enrichment in contravention of Fair Trading Act 1986, s21c and Unsolicited Goods and Services Act 1975, s4 and will be forwarded to Our solicitor for action. Your failure to respond, within 10 days of the receipt of this notice, and rebut with particularity, everything in this document with which you disagree is your lawful, legal and binding agreement with and admission to the fact that everything in this document is true, correct, legal, and lawful and binding upon you, in any court, anywhere in the United States of America, without your protest or objection or that of those who represent you. Your silence is your acquiescence. See : Connally v. General Construction Co., 269 U.S. 385, 391. Notification of legal responsibility is the first essential of due process law. Also, see U.S. v. Tweel, 550 F. 2d. 297. Silence can only be equated with fraud where there is a legal or moral duty to speak or where an inquiry left unanswered would be intentionally misleading. The recipient of this document is obligated to verify the record is correct or correct such record where a defect is found.
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| 02/16/2022 |
Yes |
- Debt collection
- Other debt
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- Written notification about debt
- Didn't receive notice of right to dispute
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Web |
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Over the course of the last 60 days, I have been receiving random text messages from a MRS collection agency. As most of us do, I disregarded the message as spam. I also have received daily calls from a local area code and again never answered thinking it was a robo call. Today, I noticed on my credit bureau a collection account from MRS for the amount of {$670.00}. A call then came in from the same local area code and I answered it. It was this MRS collection agency. They stated I owed {$670.00} on cable boxes from XXXX XXXX. I told them the house where those were located was sold over a year ago and my ex wife was to have returned them as I do not have them. They demanded the {$670.00}. I asked if they ever sent a bill or 30 day notice as required by the State of Nevada and they stated it was sent to the old address. I complained that I was unware of the liability since I was never, ever notified and by law I had 30 days to dispute or pay it upon receiving the letter. I told the collection agent that I am more than capable of paying the bill but that they violated FTC and Nevada collection laws by not sending notification. They said they attempted to contact me numerous times on the number they called on today. I said I never answered the call, nor did they ever leave a voicemail. More importantly, I asked why they were using " trickery '' by calling on a local 775 area code number, when they are located in New Jersey. She gave no answer to this deceptive practice. I told them I know nothing of the bill but I would pay it but first I wanted it immediately and permanently removed from my credit profile ( not just showing paid in full ) but they refused. I would like the CFPB to please contact them, have them completely remove it from the three credit bureaus ( not just show it was paid ) and protect my consumer rights. I believe a fine against them for deceptive practices would be appropriate. They have now harmed my stellar credit.
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| 04/09/2020 |
Yes |
- Debt collection
- Other debt
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- Written notification about debt
- Didn't receive notice of right to dispute
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Web |
Older American, Servicemember |
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Firstly, MRS never notified me of this alleged debt before filing it with the credit bureaus, which decimated my credit rating. I was damaged by their dereliction of duty and responsibility as a debt collector, which is why I am reporting that action to the CFPB in a formal complaint. I learned that this entry was placed on my credit report via a credit monitoring service. The notification came after business hours on Wednesday, XXXX On this morning, XX/XX/XXXX, I telephoned MRS per the number listed on my credit report to inform them this alleged debt was not valid. My efforts were to no avail. The rep, who answered, could not help me and transferred me to the XXXX section of the MRS agency. After a lengthy hold, no one answered the phone. I hung up out of disgust. Secondly, had they performed the lawful activity of notifying me so that I could dispute the debt, they would have discovered that this is a duplicate debt that was filed on my credit report by XXXX XXXX on behalf of XXXX under the name of XXXX XXXX. .They would have learned that I disputed that derogatory entry on my credit report as I do not owe this debt. All three credit bureaus removed it from my profile, This occurred in XXXX of XXXX. Subsequently, MRS filed the debt under XXXX, an affiliate with XXXX XXXX.I was robbed of due process because they did not verify the legitimacy of the debt with me. I want this negative information removed from my credit profile with all 3 agencies. A consumer should not have to be subjected to stress that arises from a collection agency trying to be slick with reporting erroneous debt by by-passing the law on notification, preventing he consumer from filing a dispute appropriately. MRS did not attempt to verify this debt with me. I do not owe this debt. I am disputing it. I want it deleted from my credit report. Moreover, I want MRS sanctioned for disrespecting the law that protects consumers from just this kind of activity.
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| 12/17/2017 |
Yes |
- Debt collection
- Auto debt
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- Attempts to collect debt not owed
- Debt was result of identity theft
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Web |
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To whom this may concern : In mid XXXX of XXXX, I contacted XXXX. XXXX about a closed account that was on my credit and I was unaware of this charge. I called to get as much information about this account such as what is the company, a signed contract, who were the people on the contract, when did the agreement occur, address and phone numbers listed on the account etc. They were very rude with giving me information and made comments like " How you do not know about this account being on your credit ... This is your account ... '' I had to nearly argue with the representative letting her know that I am a victim of identity theft and I never ever paid any attention to my credit until now and just had a child so I am trying to better my future by starting to work on my credit. The representative informed me that there was nothing they can do, due to the loan being bought by a collection agency by the name of MRS Associates but can send me the contract via mail and instructed me to fill out a fraud packet on their website ( in which I did ; no response back ). I contacted MRS Associates by mail on XXXX XXXX, however the mail was returned OPENED. So I did my research once again and look at their website. On XXXX XXXX, XXXX and XXXX XXXX, XXXX, I emailed MRS Associates ( XXXXXXXXXXXX ) asking for validation and not verification with signed contract. I have yet to received a response from both companies. As well, I have contacted the XXXX XXXX XXXX in XXXX, Texas where the perpetrators purchased the vehicle and asked for camera footage to turn in to law enforcement. I was informed that they are unable to go back so far being that it was XXXX, XXXX and they do not have footage from that far. I have been a victim of identity theft and provided MRS Associates and XXXX. XXXX with proof but nothing has been done as of today. I have all the documentation including FTC Identity Theft letters that I sent to both companies and no response.
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| 11/08/2023 |
Yes |
- Debt collection
- Credit card debt
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- Attempts to collect debt not owed
- Debt is not yours
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Web |
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I am writing to bring to your attention a concerning matter regarding a debt collection attempt made by XXXXXXXX XXXX on XX/XX/2023, and the subsequent lack of response to my debt validation request. Additionally, I am now being contacted by another debt collector, MRS BPO, on XX/XX/2023 regarding the same debt, which raises questions about the legitimacy of this debt and the practices of the involved parties.
* XX/XX/2023 : I was initially contacted by XXXX XXXX regarding a debt they claim I owe. I promptly responded to this communication by sending a debt validation letter via certified mail, return receipt requested, on XX/XX/2023.
* Despite the passage of XXXX months since sending the debt validation letter, I have not received any correspondence or documentation from XXXX XXXX validating the debt as requested. This lack of response raises concerns about the validity and accuracy of the debt in question.
* On XX/XX/2023, I received a communication from MRS BPO, another debt collector, inquiring about the same debt that was previously being pursued by XXXX XXXX. This sudden change in the collector 's identity, without any prior notice or explanation, further raises doubts about the legitimacy of the debt and the practices of the involved parties.
Given the circumstances outlined above, I am seeking your assistance in resolving this matter and ensuring that my consumer rights are protected. I kindly request that you investigate the actions of both XXXX XXXX and MRS BPO in relation to this debt and take appropriate measures to address any potential violations of consumer protection laws.
I am seeking your assistance in resolving this matter and ensuring that my consumer rights are protected. I kindly request that you investigate the actions of both XXXX XXXX and MRS BPO in relation to this debt and take appropriate measures to address any potential violations of consumer protection laws.
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| 04/02/2022 |
Yes |
- Debt collection
- Other debt
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- Written notification about debt
- Didn't receive notice of right to dispute
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Web |
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MRS Associates never once contacted me regarding the account in question. When I called them on XX/XX/22, after realizing my credit had been negatively impacted, they claimed that they did call my phone number. I asked if they ever left a message or spoke to me. They admitted they did not and stated they did not have to leave a message, that I should have called them back ( no phone number/company appeared for these calls that I can tell, and I am not in the habit of answering unknown callers to avoid spam/sales calls ). I stated that merely calling without actually leaving a message could not possibly fill the legal requirement for calling me and they stated that it does ( the representative I spoke to at XXXX, agreed with me that they did not meet the legal requirement and recommended that I complete this form ). I asked how they could place the derogatory without actually contacted me, and they then claimed that they texted me. I very vaguely remember texts about a Spectrum account. These texts did not state that they were a creditor in the texts, and I did not have a Spectrum account for over a year at that point, so I believed it to be spam and eventually sent a STOP message. Additionally, they claim they emailed me, but stated an email address that is not my actual email address. Finally, I did not receive any paper letters. If they had my phone number, they at minimum should have left a message stating who they are and requesting that I call back since it is common practice to not answer phone calls for unknown numbers and instead assume it is a sales-call or the like. When I called XXXX, they confirmed that calling but not leaving a message does not fulfill the legal requirement to contact me regarding the debt. In the meantime, they posted a derogatory on my account without ever first giving me a legitimate opportunity to make the debt right.
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| 09/26/2016 |
Yes |
- Debt collection
- Other (i.e. phone, health club, etc.)
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- Disclosure verification of debt
- Right to dispute notice not received
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Web |
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On XXXX I contacted the debt collection agency MRS BPO Located in XXXX XXXX XXXX XXXX XXXX NJ XXXX at XXXX because my debt from XXXX XXXX had been transferred to them. I was able to resolve the debt and provided them with my updated Mailing address and contact number as well as set up a payment arrangement with them. On XXXX they took a payment out of my checking account and on XXXX, they reported to the credit bureau that my account was delinquent. I was not notified about the account prior to me initiating the call. I was not notified that a negative/ delinquent account status will be posted on my credit report. On XXXX at XXXX XXXX I called MRS BPO to have them remove the collection off my credit since I had a payment arrangement set and they stated that they are not able to, and stated that they would send me an email with proof of payment and also provided me a password to access proof of the payment arrangement notice. Also the customer service agent I spoke with stated repeatedly that I would have to wait 30 days from XXXX to have the debt reflected as being paid on my credit report. They did not provide me with certainty on their actions. On XXXX at XXXX I called to follow up on the said email with my proof of payment arrangement and I was placed on hold, and then told that their computer system is not able to generate a letter or email me proof that I am making payments on the account. Currently, My credit report shows a delinquency even though my checking account will be drafted every month the amount of {$92.00} by MRS BPO. I believe that I should be provided proof of payment on demand and also my credit report should not have reflected the negative balance. Also when I asked to speak to a manager, there was no one put on the phone to speak to me and go over detailed answers to my question about their credit reporting practice.
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| 03/20/2018 |
Yes |
- Debt collection
- I do not know
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- Attempts to collect debt not owed
- Debt is not yours
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|
Web |
Older American |
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My wife and I have no debts other than monthly credit card bills that are always paid on time, in full. The last " debt '' I had was 20 years ago when I took out a short-term ( months ) bridge loan to buy a home. It was paid off ahead of time.
I have been receiving repeated calls ( near daily ) from MRS Associates since XX/XX/XXXX. The first time I called them back they insisted on my revealing personal information that I refuse to provide to anyone I don't know and trust. The woman at MRS was pushy and hostile. She kept saying " Tell me your name ; you called us '' and I refused because they had my number and were claiming I had an unpaid debt. Today, XX/XX/XXXX, they left voicemail for the first time, telling me to call XXXX XXXX XXXX about a debt. I called to try to resolve this matter. Again I was asked for personal information I refuse to give under these circumstances. I said " Since you have my phone number and think I owe someone money, you should have all you need. Please tell me who you think I owe money to. '' She then referred to me by name, but I still refused to give up additional personal information. I said " Send me certified mail describing the debt you think I owe. '' She said " We have. '' I said " No you haven't. '' ( We've received absolutely nothing from MRS. ) She said " Yes we have. '' and then hung up on me.
I'm suspecting and fearing identity theft here. ( My personal information has been stolen from a major university, XXXX and XXXX, among others. ) But I'm not going to give anyone, including MRS , additional information about myself over the phone under these circumstances. I'd like the calls to stop. And MRS needs to go back to their client and let them know they clearly don't know my correct address or spending habits, and most importantly, they don't have the right person.
I'm feeling harassed.
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| 07/12/2023 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt was result of identity theft
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|
Web |
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Good morning. I received and alert from my credit service about a Collection flag in my credit report. It said it was from a XXXX XXXX XXXX account never paid. I only have XXXX XXXX account with XXXX XXXX XXXX. Also, I went to XXXX XXXX XXXX to ask if they are having any account in my name besides my XXXX XXXX, they said NO, no account in my name besides XXXX XXXX.
The company Colletion name is : M.R.S ( www.MRSBPO.com ) Address : XXXX XXXX XXXX XXXX XXXX, NJ XXXX Phone : XXXX XXXX XXXX Blance date : XXXX XXXX Balance : XXXX Here is the copy of the document they send me : XXXX XXXX XXXX Payment Link Creditor : XXXX XXXX Creditor Acct # : XXXX XXXX XXXX # : XXXX ACCOUNT BALANCE : {$1400.00} Dear XXXX XXXX XXXX XX/XX/2023 We recognize that sometimes circumstances or events can make it difficult to satisfy your financial obligations. We are presenting three options to resolve your balance. We are not obligated to renew these offers.
Option 1 : Make 1 payment of {$1100.00} to be received by XX/XX/2023.
Option 2 : Simply pay 2 monthly payment ( s ) totaling {$1200.00}. Your first payment of {$620.00} is due by XX/XX/2023. Remaining payments of {$620.00} are to be received by the XXXX of each following month until the total discount offer of {$1200.00} is paid.
Option 3 : Simply pay 3 monthly payment ( s ) totaling {$1400.00}. Your first payment of {$460.00} is due by XX/XX/2023. Remaining payments of {$460.00} are to be received by the XXXX of each following month until the total discount offer of {$1400.00} is paid.
Payment may be made by calling ( XXXX ) XXXX, mailing to the address below, or by using our online payment website at https : //portal.mrsbpo.com.
When you call please let our representative know that you have received the XXXX XXXX option letter.
Sincerely, MRS ASSOCIATES ( XXXX ) XXXX
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| 02/05/2022 |
Yes |
- Debt collection
- Other debt
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- Attempts to collect debt not owed
- Debt is not yours
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|
Web |
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On XX/XX/XXXX XXXX XXXX XXXX posted this XXXX XXXX collections for {$1000.00} to my credit reports. I immediately called them and eventually discovered they had the wrong person. They had SSN, residence address, contacts which were not associated with me. The address was in XXXX TX at an apartment. I have never been to, lived in, or been associated with XXXX TX. I disputed with all 3 bureaus and mailed back the affidavit sent by XXXX validating I was not the account owner. By XX/XX/XXXX the collection was removed from all 3 bureaus.
On XX/XX/XXXX MRS BPO posted this same collection to my credit reports. Clearly they purchased this debt from XXXX and either weren't provided the file showing I was not the person associated with this account or a they are purposefully ignoring it.
I also see that either XXXX or MRS BPO has updated my address history on my credit reports to include the debtors address in XXXX TX, despite the fact I have never been there or been associated with that address.
Reading the numerous complaints against both of these companies, it seems it is a common tactic to use personal information gathered from affidavits swearing the debt does not belong to the person to, to update and manufacture evidence of attribution. The fact that there are thousands of complaints against these companies and yet there appears to be absolutely no punitive action is beyond absurd.
My wife and I are trying to close on our first house, and this previously disposed invalid debt appearing the week of closing has jeopardized it not allowing us to close on the original contract.
I request no more than the immediate removal for my credit reports as well as a side letter from BPO confirming they have updated the file for their own use and any future owner of this debt they may decide to pass this on to.
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| 05/04/2016 |
Yes |
- Debt collection
- Other (i.e. phone, health club, etc.)
|
- Cont'd attempts collect debt not owed
- Debt is not mine
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|
Web |
Servicemember |
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XXXX is attempting to collect a debt from me against their own customer agreement, changed a policy outlined on its website to defeat my complaint, and disregarded the first assigned debt collector who wrote me an apology letter, evidently believing XXXX violated debt collection laws.
I transferred mobile carriers from XXXX to XXXX on the last day of my billing cycle. I shortly thereafter called to confirm my balance was XXXX dollars.
My account was later debited about {$400.00}, and so I called for a refund, but was informed that I was no longer the account owner and needed permission from one of the remaining lines, my mom. The representative three-way called my mom, who asked XXXX to refund me. I received a refund a few days later.
About two months later I received a bill for over {$1000.00}, but when I called to dispute the bill, I was told I was the account owner, and moreover that I did not transfer liability pursuant to an " assumption of liability '' policy outlined on XXXX website, which I disputed as inapplicable, and because it contradicted prior representations. XXXX then changed the page in an apparent move to defeat my complaint.
My mom states that XXXX told her she could not leave the carrier until the following billing cycle and that she would not be charged. From the billing statement I received, there was no usage on her line, but she was still charged.
The debt was sent to a collection agency, but after I wrote them a letter, they apologized and said they would cease their collection efforts, and would forward our correspondence to XXXX. The debt was then assigned to a second collector, although an executive representative from XXXX said they did not receive anything from the first collector.
My credit score, which was formerly " very good, '' was also impacted XXXX points.
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| 08/04/2022 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt was paid
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|
Web |
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This debt concerns a 30 day trial of XXXXXXXX XXXX XXXX XXXX. As per their trial policy, if the account is cancelled and the device is returned within 30 days, the use for the first 30 days is free. I canceled the service and returned the device within the 30 day window. XXXX acknowledged this on two phone calls ( see dates below ) Nonetheless, XXXX has ( 1 ) charged me {$60.00} and ( 2 ) referred this non-existent debt to a debt collection agency ( XXXX XXXX.
The relevant dates are below : XXXX - Order placed for the XXXXXXXX XXXX XXXX XXXX XXXX.
XXXX - XXXX Device delivered to XXXX XXXX - Cancelled service via XXXX 's chat feature. XXXX told me to drop it off at a XXXX store ; they would not provide a return XXXX number.
XXXX - XXXX Device was delivered, by hand, to XXXX store in XXXX, Montana.
XXXX - I called customer service because I received a {$60.00} bill, despite having cancelled service and returned the device within the 30 day window. XXXX stated that they did receive the device in XXXX on XXXX, and it was received in the " warehouse '' on XXXX. XXXX stated that they would fix the bill and zero out the account.
XXXX - XXXX confirmed again that I cancelled and returned the device within the 30 day window. They could not explain why the charge remained. XXXX opened an " investigation '' ( confirmation XXXX ; Order ID XXXX ) that they said would resolve the issue within 5-7 days.
XXXX - I receive an email from MRS ( mrsbpo.com stating that XXXX gave them my " bill '' ( again, that XXXX twice stated should have been remedied and zeroed out ) for collection. Same day I called XXXX and was told there was nothing they could do because the " debt '' was in collection.
This is a false debt collection ; there is no debt and XXXX and MRS are attempting to collect on a non-existent debt.
|
| 07/05/2022 |
Yes |
- Debt collection
- Other debt
|
- Written notification about debt
- Didn't receive enough information to verify debt
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Web |
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I received a notice via regular mail from MRS BPO LLC a debt collector trying to collect a debt for XXXX XXXX XXXX. We do not presently have an account with XXXX noting the debt dates back to XX/XX/2021 per the notice received.
That said, I promptly mailed the request form requesting additional information so I could verify the validity of the debt prior to taking any necessary action. That information was never received, noting I failed to realize it, and the company without any other contact whatsoever, proceeded to file a derogatory statement on my credit report as a result.
I was immediately notified the derogatory statement was made because I subscribe to credit monitoring services as I take my credit seriously. I promptly reached out to the debt collection agency to discuss why collection activity had continued despite my request for information and was told they never received my request and would respond now. As I explained to XXXX XXXX, the representative I spoke with today, that would be good, but in addition, the derogatory statement needed to be rescinded since I had responded, and ALL continued collection activity should have ceased. She was adamant that it was my problem, that my request was not noted on the account. This is absolutely ridiculous. Where is the accountability on their side? My credit score is consistently over XXXX because I am a financial responsible adult, and I will not stand for a debt collector to infringe on my rights.
As explained, I will address the validity of the debt as soon as I get the necessary information, but I want my rights protected. I took the appropriate action and they failed to act on their side. They shouldn't be able to place a derogatory comment without accountability. Your assistance is resolving this matter is greatly appreciated.
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| 05/31/2016 |
Yes |
- Debt collection
- Other (i.e. phone, health club, etc.)
|
- Disclosure verification of debt
- Not given enough info to verify debt
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|
Web |
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To Whom It May Concern, On or around XXXX XXXX, 2016, I received a debt collection notice from MRS Associates of New Jersey alleging I owed {$250.00}. An amount they claim was incurred from a XXXX XXXX account. MRS Associates proceeded to furnish this negative information to the XXXX major credit reporting bureau, XXXX, on or around XXXX XXXX, 2016. On XXXX XXXX, less than 30 days after receiving notice from MRS Associates , I sent a notice of dispute and request for validation, pursuant to the Fair Debt Collection Practices Act and the Fair Credit Report Act, via U.S XXXX Postal Service Certified Mail with return receipt. On or around XXXX XXXX, 2016 MRS Associate 's employee received my notice of dispute and validation.
I continue to dispute the validity of the claim of debt from MRS Associates, as I have no knowledge of the account referenced in MRS Associates ' notice. I requested that MRS Associates substantiate their claim of debt by providing me with ; statements of the account, the name and address of the original creditor, and proof that MRS Associates is authorized to collect on behalf of XXXX. On or around XXXX XXXX, 2016, MRS Associates sent me insufficient validation, validation which does not substantiate their claim of debt.
I request that MRS Associates remove all negative tradelines furnished to any credit reporting bureau and cease all collection activities until such a time validation of debt is received that properly substantiates their claim of debt. I will not consider this debt valid until I receive statements of the account, the name and address of the original creditor, and proof that MRS Associates is authorized to collect on behalf of XXXX. No person should be subjected to debt collection from companies not willing to substantiate their claims of debt.
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| 03/27/2023 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
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My name is XXXX XXXX a federally protected consumer, and I am making this complaint against MRS BPO LLC for their abusive, deceptive, and unfair collection practices in the collection of extensions of credit. In a conspiracy with the consumer reporting agencies to cause a restraint of trade and commerce, this debt collector has engaged in XXXX XXXX. I have never given this company any consent to be in possession of my nonpublic personal information. I disaffirm any alleged agreement or contract between I, the consumer, and the original creditor, whether implied or explicit. This account is a billing error. Please provide me with documentary evidence of the obligors indebtedness.
This company is in violation of the false claims act and is jeopardizing my consumer credit reputation with other financial institutions by fraudulently furnishing this alleged debt to coerce payment. Any payments made or future payments are a result of threat, duress, and coercion, due to undue influence.
I am legally refusing to pay this debt pursuant to 15 U.S. Code 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 MRS BPO LLC 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 MRS BPO LLC, continues its collection efforts, I will file for litigation for actual damages caused and MRS BPO LLC, shall be liable for violations of TILA, FCRA, GLBA, CFPA, the Sherman Antitrust Act, Robinson-Patman Act, Clayton Act , FTC ACT and RICO Act.
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
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| 08/16/2022 |
Yes |
- Debt collection
- Auto debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
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XXXX XXXX XXXX ( XXXX ) has repeatedly attempted to collect a debt that is not owed. I leased a vehicle with them in XX/XX/XXXX and returned it in excellent condition in XX/XX/XXXX. No payments were missed and all fees had been paid.
In XXXX, I was notified by XXXX XXXX XXXX that they were attempting to collect a debt owed to XXXX XXXX XXXX in the amount of {$810.00} in association with the leased vehicle. When I requested a bill showing the owed amount from XXXX, I received a bill showing the amount of {$1000.00} being owed, with NO explanation of what it was for.
Several conversations took place with XXXX XXXX XXXX in order to determine the source of the debt. On 3 separate occasions, I was told 3 different reasons for the charge. 1. Excessive wear and tear at time of turn-in. 2. XXXX fee. 3. Personal property tax owed.
I requested a complete ledger from XXXX via XXXX XXXX XXXX, which I was provided ( see attached ). The ledger covers dates from XX/XX/XXXX through XX/XX/XXXX reflecting total charges of {$33000.00} along with payments of {$33000.00}, leaving a XXXX BALANCE through XX/XX/XXXX. Clearly, there should have been a balance on the ledger if there was anything owed. I indicated this to XXXX XXXX XXXX and they ceased communication.
Just yesterday, on a letter dated XX/XX/XXXX, I received another debt collection letter from a new company, MRS BPO , LLC, in an attempt to collect {$810.00} on behalf of XXXX XXXX XXXX.
At this point, I have dealt with this via numerous phone calls and have proven that there is nothing owed on this account, yet I continue to receive more letters and phone calls. I feel as though I am being harassed and have tried everything to get them to stop. This car was turned in over 5 years ago, in excellent condition, and with NO BALANCE DUE!
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| 08/21/2020 |
Yes |
- Debt collection
- Other debt
|
- Communication tactics
- Frequent or repeated calls
|
|
Web |
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On several occasions this company has sent a text message with this exact wording : " Please contact MRS Assoc. regarding a XXXX XXXX matter at ( XXXX ) XXXX. This is an attempt to collect a debt and any information obtained will be used for that purpose. MRS is a debt collector. '' The most recent instance was today XX/XX/20 at XXXX XXXX.
The huge problem this poses, not just for me, but millions of people with a debt being pursued against them is with notifications. It should be safe to assume that 99 % of all people using a cell phone normally have notifications set to show on their screen once they receive a text message. The obvious reason ( like a phone call ) so the owner of the phone immediately knows they are trying to be contacting.
The complaint I am filing is that their wording in the very obvious manner of " collect a debt '' and " MRS is a debt collector '' create a very dangerous situation for anyone with a phone that happens to be sitting out in the open on a desk for example, with their supervisor and/or employees engaging in normal conversation. This is exactly what happened to me, which as you can imagine was extremely embarrassing. Multiple people glanced at the text message, seeing the words " debt collector '' with their eyes growing wide and very likely knew what that meant.
This is a HUGE grey area that likely needs to be corrected within the collection industry as it sets precedents in ways for debt collection companies to " shame '' a target in a way by use of loophole ... the loophole being " text messages are allowed '' but this doesn't ensure the communication is safe or secure with the actual person. A company must always be aware of the possible access to that message being compromised if not verified as a safe means of communication.
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| 11/18/2019 |
Yes |
- Debt collection
- Other debt
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- Attempts to collect debt not owed
- Debt was paid
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Web |
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Debt was not owed. Company has been reporting false information on my credit report.
Federal law provides that it is a crime to violate the Rights of a citizen under the color-of-law. You can be arrested for this crime and you can also be held personally liable for civil damages.
Attempting to cause a person to do something by telling that person that such action is required by law, when it is not required by law, may be a felony.
18 USC 242 provides that whoever, under color of any law, statute, ordinance, regulation, or custom, willfully subjects any person in any State, Territory, Commonwealth, Possession, or District to the deprivation of any rights, privileges, or immunities secured or protected by the Constitution or laws of the United States ... shall be fined under this title or imprisoned not more than one year, or both.
18 USC 245 provided that Whoever, whether or not acting under color of law, intimidates or interferes with any person from participating in or enjoying any benefit, service, privilege, program, facility, or activity provided or administered by the United States ; [ or ] applying for or enjoying employment, or any perquisite thereof, by any agency of the United States ; shall be fined under this title, or imprisoned not more than one year, or both.
42 USC 1983 provides that every person who, under color of any statute, ordinance, regulation, custom, or usage, of any State or Territory or the District of Columbia, subjects, or causes to be subjected, any citizen of the United States or other person within the jurisdiction thereof to the deprivation of any rights, privileges, or immunities secured by the Constitution and laws, shall be liable to the party injured in an action at law, suit in equity, or other proper proceeding for redress.
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| 11/23/2022 |
Yes |
- Debt collection
- I do not know
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- Attempts to collect debt not owed
- Debt was paid
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Web |
Older American |
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On XX/XX/2022 I received a phone call from XXXX and the caller identified themselves as calling from XXXX XXXX and immediately tried to " confirm '' my identity by asking to state my name and address. I asked what is the nature of the call and the agent refused to tell me unless i revealed personal identifying information. I hung up and called that number back.
A person self identified as 'customer service ' ( after I inquired 3 times ) told me his name is XXXX XXXX He said he was not allowed to provide his location. The conversation went back and forth on this issue and he often spoke over me in a threatening manner. I asked again and he said XXXX XXXX XXXX XXXX '' He refused to say what a " financial services company '' is. I said I have no relationship with XXXX XXXX at this time. He said I might have had one in the past. I said all obligations have been finished. He continued to treat me with disrespect. He would not give me the address of XXXX XXXX unless i " verified '' my identity and I refused. He would not reveal what kind of financial services company this is.
I requested a supervisor. After five minutes on hold a XXXX XXXX took over.
He refused to state the nature of the call and refused to say what the financial services company is. He said he could not tell me because this is a personal business financial matter. He harassed me and treated me with disrespect. He said repeatedly after I asked what a financial services company is that he could not tell me unless I verified my address and other personal identifying information. The initial call was at XXXX XXXX
The public information on XXXX clearly shows it's a debt collector. I have a XXXX and other medical condition which these callers exacerbated. My obligations with XXXX were settled months ago.
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| 10/30/2023 |
Yes |
- Debt collection
- Credit card debt
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- Attempts to collect debt not owed
- Debt was result of identity theft
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Web |
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I am a victim of identity theft. I have filed all police reports, id theft affidavits and paperwork that is required under the FCRA. XXXX XXXX was notified on 17 occasions, that I never applied for, opened, authorized anyone else to open, or benefitted from the following accounts : XXXX XXXX XXXX XXXX XXXX XXXX XXXX These accounts were opened fraudulently and are not mine. I currently have a federal FCRA lawsuit in the XXXX XXXX of PA regarding the identity theft and am suing the major credit buraus. I have retained a consumer protection attorney to represent me for this identity theft.
XXXX XXXX was notified on 17 occasions and all relevant identity theft documents were sent to them at the following address via certified mail : XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXXXXXX XXXX responded on all 3 accounts that they were removing them from my credit reports, closing the accounts due to fraud and that I was not responsible for the balances.
Upon checking my XXXX credit report during preparation for my FCRA lawsuit, I noticed an MRS Associates made a soft inquiry on my report on XX/XX/2023. Upon further research, it has been determined that these same 3 identity theft accounts that XXXX was aware of, have been turned over to a collection agency ( MRS Associates ).
This is illegal. I have attached the letters from XXXX XXXX proving they acknowledged these accounts were the result of fraud. I have also attached a copy of my identity theft lawsuit that is filed in Federal Court, my police report and FTC Identity theft affidavits for these accounts. I have also attached screenshots of these accounts from MRS Associates web portal showing they are trying to actively collect on them without regard to my identity theft.
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| 03/25/2022 |
Yes |
- Debt collection
- Other debt
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- Attempts to collect debt not owed
- Debt was paid
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Web |
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My credit/XXXX with XXXX is always lower than other bureaus. My Identity was stolen by them twice and in order to " boost '' my credit scores they want us to list all accounts/bills we pay w bank account passwords and direct connection to be accessed by them. I think it is ludicrous. It is not safe to have any info with them. I hate that company.
1- My credit score suffers bc they have derogatory info about late payments to XXXX XXXX from 6 years ago that was caused by having 2 different cards and getting mixed up about the 2 accounts. One was paperless billing the other was not. I wrote XXXX and XXXX to no resolve. They did NOTHING.
2- MRSBPO - also late payments because I had a dispute with XXXX XXXX. I paid thru XXXX at the time but was directed to that page and did not know what XXXX was. I NEVER had the resume service I paid for because it was exactly when COVID happened in late XXXX early XXXX I was NOT about to return to work as an XXXX. I am a widow with XXXX kids. I requested to cancel the resume service from XXXX XXXX who claimed they had no connection to XXXXXXXX XXXX i guess paid them {$180.00}. As I tried to explain to them I did not get the service and wanted to cancel XXXX sent me to collections with MRS BPO.
3-I finally paid MRS BPO because it was useless to recover my money and my credit has been kept lower because of this COLLECTION agency but now they are attempting to collect it again and it is reflecting on my credit. I need to apply for a mortgage and need my scores to be reassessed. I NEVER missed or was late on my house mortgage for 17 years. I think it is wrong to have these companies ruin the lives of consumers and hold us hostages when their service is mediocre at best. I can provide any records/communication you desire.
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| 06/19/2023 |
Yes |
- Debt collection
- Private student loan debt
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- Written notification about debt
- Didn't receive enough information to verify debt
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Web |
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I had a student loan debt taken out for my daughter in XXXX. I believe it defaulted in XXXX. I have been making payments that were automatically deducted from my account. The payments were made to XXXX XXXX XXXX. Around XX/XX/XXXX, I received a letter from MRS Innovative solutions, another debt collector, stating that we had an account with XXXX XXXX XXXX XXXX XXXX and that a payment of {$14000.00} was due immediately. When I called to find out what was happening, I was told that the last payment made was in XXXX and that the debt was due in full now. I did not notice that XXXX XXXX XXXX had stopped deducting payment. Upon review of my bank statements, I found that the last deduction was on XX/XX/XXXX.
I called XXXX XXXX to find out the reason the payments stopped coming out. Their response was that there was no active account under my name or my husbands name. I also asked MRS why the payments stopped and their response was that they had no information other than the debt was due in full. They also offered a settlement amount of around {$12000.00}.
I am trying to find out why payments were stopped by XXXX XXXX that led to the debt being owed in full. When I spoke to the representative at MRS I explained that I don't have a problem paying the debt, but that I can't make a lump sum payment and shouldn't have to since I had been on a payment plan with XXXX XXXX and was taken off the plan without my knowledge.
To be transparent, they did not mention anything about a lawsuit to recover the funds and when I asked of they would pursue one, the representative said that was not what they do, that they are here to help us resolve the debt. I stated to the representative that, as a point of reference, the statue of limitations is 6 years in New York State.
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| 02/28/2019 |
Yes |
- Debt collection
- Other debt
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- Communication tactics
- You told them to stop contacting you, but they keep trying
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Web |
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MRS Associates contacted me claiming to represent XXXX. I immediately did three things.
First, I disputed the debt. The claim is not valid.
Second, I requested written verification of the debt.
Third, I requested they NOT call me at my work.
The person on the phone was pretty silent. I told them I understood my rights and I was exerted them. They hung up. They did NOT respond to me again.
The SECOND CALL I stated again the same three statements. I dispute the debt as it is NOT valid, I require written verification and they are not to contact me at work.
Today, XX/XX/XXXX, they called me a third time. I demanded a supervisor. They delayed and at first denied they had supervisors. Finally, I spoke to " XXXX XXXX '' XXXX XXXX 's conversation meandered and contradicted itself. I again stated that twice prior I had disputed this debt and had requested written verification. He fist claimed they had never contacted me before. I stated, regardless, I require written verification of the debt. HE REFUSED, claiming they had sent it prior. I stated the obvious. that first he claimed they had never contacted me, now he claimed they had verified. I stated I had never received written notification and I required it. He said he couldn't do that. I stated SIX TIMES that I required written verification. I asked him if he was refusing to provide it. He would not answer me.
XXXX XXXX said there would be " legal consequences ''. I responded that I was aware of my rights under federal law and that he was required to provide me with written verification. He refused, this was the 7th time in the same conversation. I told him that they should not call me at work and that I was going to report them to the state attorney general and other offices. He hung up on me.
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| 04/28/2020 |
Yes |
- Debt collection
- Other debt
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- Attempts to collect debt not owed
- Debt is not yours
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Web |
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In XX/XX/XXXX, I contacted XXXX XXXX XXXX several times regarding my Stand Alone 50 internet service not working. After several telephone calls to XXXX XXXX XXXX and several visits to my house by an XXXX XXXX XXXX service tech over the course of two months XXXX XXXX XXXX was unable to get the service to work correctly.
On or around XX/XX/XXXX, the XXXX XXXX XXXX service tech was again at my house and unable to get the service to work properly. He advised me that in order to get the XXXX XXXX XXXX service to work I needed to switch to fiber optic service. I agreed to take the fiber optic service for a year. The fiber optic service was supposed to be a speed of 300 Mbps. Over the next few weeks, the speed rarely exceeded 25 mbps. I made several more telephone calls to XXXX XXXX XXXX regarding its failure to provide the contracted for service.
On or around XX/XX/XXXX, when XXXX XXXX XXXX was still not able to provide the contracted service I canceled and switched to XXXX. XXXX XXXX XXXX credited my account for all service fees during the time the service was broken.
On XX/XX/XXXX, I received a Final Notice from XXXX XXXX XXXX stating that I owed an early termination fee of {$130.00}. I called XXXX XXXX XXXX at XXXX XXXX and spoke with XXXX ( sp? ). I advised XXXX that XXXX XXXX XXXX never provided the contracted for service and therefore theres no termination fee. XXXX advised that as the amount of billing credit was over his limit, he would need to get a supervisors approval. I was informed that someone would be calling me in the next few days. No one ever called.
On XX/XX/XXXX, I received an email from a debt collection agency, MRS Associates. I responded to the email that XXXX XXXX XXXX has failed to inform them that this is a disputed debt.
|
| 09/12/2019 |
Yes |
- Debt collection
- Other debt
|
- Communication tactics
- You told them to stop contacting you, but they keep trying
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Web |
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On XX/XX/2019 I switched my cell phone service from XXXX ( account # XXXX invoice # XXXX ) to XXXX XXXX XXXX. I cancelled my XXXX service on that day. I received an additional bill on about XX/XX/2019. I called ( XXXX ) XXXX ) and discussed the bill with a XXXX representative on that day at XXXX XXXX.. He told me that this bill was for the entire next billing period and since I did not have the service for the entire month a final pro-rated bill would be sent. I waited for the final pro rated bill however on XX/XX/2019 at XXXX XXXX. a representative from MRS collections called and insisted that I pay the bill in full immediately. I told her that I would pay the entire {$77.00} through my bill-pay as I have for the past 20 years that I have been with XXXX. She said that I owed this full amount so I sent the payment for {$77.00} through my XXXX XXXX bill pay on that day ( XX/XX/2019 ). She said this would settle the matter and I would not be contacted again. On XX/XX/2019 my wife received a call on her cell phone ( XXXX ) XXXX from another collections agent at MRS Collections at XXXX XXXX. and once again I was told that this payment must be made right away. I informed this agent that this matter was settled on XX/XX/2019 and the full payment had been made. The MRS representative insisted that I must prove that this was settled. I asked that I not be contacted by phone by MRS Collections again. She agreed however on XX/XX/2019 at XXXX XXXX., once again I was contacted by phone by a representative of MSR Collections insisting that I owed this XXXX bill. I informed her that this bill was paid and I had requested not to be contacted twice before regarding this issue and she acknowledged that I had requested not to be contacted.
|
| 05/01/2023 |
Yes |
- Debt collection
- Other debt
|
- Written notification about debt
- Didn't receive notice of right to dispute
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Web |
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I was contacted by MRS BPO , LLC via text messaging on XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX to contact them about a XXXX debt.
I never received any written information about the debt. I am caring for my XXXX mother that been hospitalized since XX/XX/XXXX. I am her only caregiver. My only sibling passed away in XXXX.
I have been texted from XXXX, XXXX, XXXX, and XXXX to call XXXX regarding a matter for XXXX XXXX. On XX/XX/XXXX I received an alert from my bank and was told that I have a delinquency in collections on my account from XXXX that caused my XXXX score to drop XXXX points.
I contact XXXX and could not get a live person. The automated system would drop my call. I then contacted XXXX and they said the information was with the collection agency. I was given XXXX and the number connected me to an answering service for XXXX XXXX which has no information about my XXXX account.
On Friday XX/XX/XXXX I was able to get in touch with a live agent that then transferred me to XXXX XXXX XXXX. XXXX XXXX had called me once before and I made good faith payment. I told him that I was not able to talk and requested a call back which I never received about two weeks ago. After speaking to XXXX XXXX on Friday he was argumentative and unwilling to send me my information in writing. Stating that he could not send anything in writing because he did not want to make any promises that when I pay off the debt I can receive written documents. I am trying to regain my good XXXX score that I've been diligently working on.
XXXX XXXX sent my account to collections in less than 30 days. I had made a good faith payment and wanted to resolve the matter so it would not affect my good XXXX score.
|
| 06/21/2022 |
Yes |
- Debt collection
- Private student loan debt
|
- Attempts to collect debt not owed
- Debt is not yours
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|
Web |
Servicemember |
|
Over the course of the last 15 years or so, a former friend ( XXXX XXXX ) used my identity to co-sign her student loan request through XXXX XXXX XXXX XXXX XXXX XXXX in the amount of {$26000.00} ( including additional cost for late fees and " penalties '' ) prior to current Federal Law and Statutes. XXXX XXXX dropped out of college, and refused to pay the loans. XXXX XXXX XXXX XXXX XXXX attempted to collect the debt from XXXX XXXX via multiple collection agencies but to the best of my knowledge, were unsuccessful, therefore they attempted to collect the debt from me as the co-signer. This negativley affected my credit report and score for many years, costing me thousands of dollars of unnecessary high credit percentages for any type of loans I required vehicles, appliances, among other necessity. Eventually, the collection agency filed a civil suite against me in order to collect the debt, therefore I had no choice but to hire and law ferm to assist with the counter suite against the collections agency/s in order to remove this derogatory info from my credit history/report costing me even more financial hardship. The entire suite took over 5 years to resolve, and the XXXX XXXX Court System dismissed the case due to the Creditor and Collection Agencies failure to appear in court. Since then, I have spoken with XXXX XXXX XXXX XXXX 's managers/staff and they have been advised on multiple occasions that " THIS IS NOT MY DEBT '', and " I DO NOT OWE THEM ANYTHING ''. Furthermore they have been advised, as well as MRS BPO LLC to stop contacting me in any form about this debt, but they continue to send letters to a former address ( XXXX XXXX XXXX, XXXX, KY XXXX ) where I no longer reside.
|
| 04/30/2019 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt was result of identity theft
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|
Web |
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I received a bill from XXXX on XX/XX/2019 for {$710.00}. I had several accounts opened in my name and knew that this was a part of my identity theft issue.I immediately called the detective handling my identity theft case so he could update my police report.I called XXXX that same day and they said they would not discuss anything with me until I had filed an identity theft report through them. I followed the steps XXXX told me to take and attached a copy of my police report. I did not hear back from them for two weeks and assumed the problem was handled until I received another bill. It took me three days and several tries to get through to XXXX because I kept getting transferred to other departments or put on hold for so long that the call would disconnect. When I finally got through to them, they told me I had submitted an incomplete police report. I knew this was not true so I asked them what information they needed on it to accept the report but they said they would not discuss my report or give me that information. I was then given paperwork from the detective handling my case to fill out. Once that was done he submitted it to them stating that they had to close this account, but they said they would not comply. I have since received another bill. I got this bill on XX/XX/2019 for {$3800.00}. I also received a letter from a debt collector on XX/XX/2019. This company is called MRS. MRS will not comply when I tried to challenge them because they said the information submitted to XXXX was invalid. I know that this is not the case because they were dealing with the detective directly. They will not cooperate when asked to provide the information needed to make the report valid.
|
| 04/04/2023 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Account information incorrect
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Web |
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XXXX has turned over my name and information to a credit collection company that sent a bill to my address that is incorrect and I dispute. I requested detailed information on the account and XXXX sent me a bill Account Number XXXX XXXX XXXX XXXX for services extending from XX/XX/XXXX through XX/XX/XXXX at the address XXXX XXXX XXXX XXXX, OHIO XXXX. I moved from that address in XXXX of XXXX, cancelled service with XXXX and returned the equipment. This company has been turned into the Ohio Attorney General previously for sending a bill reflecting the equipment had not been turned in, yet I still had the receipt and provided it to the Ohio Attorney General. Now, I received a bill shortly after the mailing date on the notice of XX/XX/XXXX from MRS BPO, LLC- A DEBT COLLECTOR stating they have a collection account : XXXX in my name. I have no debts or collections of any kind and requested a copy of the original creditor claiming to be owed. On XX/XX/XXXX I received a packet with a bill from XXXX from the dates indicated above. I had no service at the address that I authorized and I moved in XX/XX/XXXX. Please request this collection agency and/or XXXX to provide the original contract signed as any additional contract it may have that authorized service at XXXX XXXX XXXX XXXX Ohio XXXX after I moved into the same place I currently live. I just renewed my lease now 1 year later. I moved into my current place in XXXX of XXXX, cancelled XXXX service and returned equipment. XXXX is committing fraud and I want each and every inquiry or negative report on my credit removed. I intend to place a inquiry on my reports and sue XXXX and the collection agency for each and every fraudulent entry.
|
| 04/19/2019 |
Yes |
- Debt collection
- I do not know
|
- Attempts to collect debt not owed
- Debt is not yours
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Web |
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This started on XX/XX/2019 They sent a text message to my cell phone stating I needed to contact them about a bill with XXXX XXXX. I have a prepid phone with XXXX so I know that I do not owe them any money. It states that all information had been sent to my email address and that needed to contact them about this account. the phone number they used to contact me was XXXX but told me to contact XXXX. They actually sent two messages on that same date. On XX/XX/2019 they sent another demand to my cell phone and I responded a demand for them to quit contacting me because I did not own XXXX any money. XX/XX/2019 they called my home phone and I again contacted them on my cellphone and demanded they quit calling me. I did that two times n that date. Now they are calling my home phone and asking questions about someone other than myself. When I asked what company they are calling about XXXX XXXX tells me that because of privacy laws she can not tell me what company she works for. So I told her that because of privacy laws I can not talk to her and she hung up the phone, but that didn't stop her from calling me again two more times on that date. two times on my home phone and once on my cell phone. I have demanded that they qut calling me but that has not stopped them. Today, XX/XX/2019 they called me again and I answered so I could tell them again to leave me alone but it was a robo call saying they wanted me to call back but I didn't get the number. I have tried to call them back on the number they call me from but when you do there is a gruff voice that tells me to HANG UP NOW. Please do something to stop this harassing of me. Thank you They are calling from different numbers also.
|
| 03/16/2020 |
Yes |
- Debt collection
- Other debt
|
- Written notification about debt
- Didn't receive enough information to verify debt
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|
Web |
Servicemember |
|
I own XXXX XXXX and closed one of them. My XXXX XXXX XXXX service was automatically paid from my checking account for the 4 years this particular XXXX was open. When I closed the XXXX in XX/XX/XXXX, I contacted XXXX XXXX XXXX, they explained to me that the account would auto bill the last payment, I could keep the equipment as it was paid for long ago. I provided a forwarding address for the last invoice so I would have for my record. I never received any type of documentation from XXXX XXXX XXXX or anyone else. In XX/XX/XXXX I was notified by my credit monitoring service that a collection account hit my credit report. I called the collection agency and found out this account was for XXXX XXXX XXXX for the above referenced account. I immediately called XXXX XXXX XXXX and asked why I received no notification or why this bill did not auto pay, I got that we are not sure why and I will be happy to forward this to supervisor who will call you within 24 hours. I received no call. Called the collection agency ( MRS Associates ) and explained situation to them, they said they can only remove from credit report if XXXX XXXX XXXX directs them to do so. Called XXXX XXXX XXXX back and spoke to XXXX in the escalations department @ XXXX, she said that they had mailed bills to the old address and that is why I never received a bill, that restaurant was closed. I asked her to remove this from my credit report, she told me they were unable. I have 3 other accounts with XXXX XXXX XXXX and have never been late ( they all auto-pay ), I would not stiff them for {$75.00}. I am asking that this be removed from my credit report as I was never notified there was a balance due.
|
| 06/05/2022 |
Yes |
- Debt collection
- Credit card debt
|
- Written notification about debt
- Didn't receive enough information to verify debt
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|
Web |
Servicemember |
|
I consumer XXXX XXXX XXXX XXXX have had my federally protected consumer rights violated pursuant to 15 usc 1692 multiple times. MRS BPO, L.L.C mailed me a letter trying to collect on an alleged debt that shows XXXX XXXX XXXXXXXX XXXX XXXXXXXX. as the original creditor. Notice it is a fact, pursuant to 15 U.S.Code 1692 a ( 4 ) creditor means any person who extends credit creating the debt. I extended the credit which makes me the original creditor. This letter contained violations of 15 usc 1692 f ( 8 ), there can be no symbols on the outside or inside the mails in the attempt of collection of any debts, 15 usc 1692 e ( 2 ) ( a ) How can MRS BPO, L.L.C, allege I the consumer owes a debt, but the debt is shown in the positive balance? If the balance was owed in a bank account, it would be shown in the negative. This amount is shown positively. How can a person pay on a positive amount? This amount appears as if it were owed to me ; numerous violations of 15 usc 1692 e ( 10 ), violations of 15 usc 1692c ( b ) MRS BPO, L.L.C, LLC can not communicate with anyone other than the consumer, an attorney or CRA if permitted by law. However, the debt collector, XXXX XXXX XXXX, XXXX has communicated with the all caps name principal obligor, XXXX XXXX XXXX XXXX } and has always referred to my principal obligor and not myself the agent, natural person, and consumer in fact ; violation of 15 usc 1692 b ( 2 ), any debt collector communicating with any person other than the consumer for the purpose of acquiring location information about the consumer shall not state that such consumer owes any debt, violations of 15 usc 1692 d ( 1 ) and violations of 15 usc 1692 d ( 2 ).
|
| 07/25/2021 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
Older American |
|
XX/XX/ I retired and moved to another state. XXXX XXXX XXXX XXXX charged me {$150.00} for the cancellation of the service. I tried to resolve this with XXXX XXXX XXXX XXXX XXXX Retention Department, but it insisted the charge for cancellation is righteous. I was told that if I had requested a transfer of service and that there was no XXXX XXXX service in XXXX that they would have waived the {$150.00}. I was never informed of that option when notifying XXXX XXXX of cancellation.
I have been a customer of XXXX XXXX XXXX XXXX XXXX for 10-15 years ( lost count ). It is claimed that the cancellation fee was for termination of a contract seven months before the two-year contract was fulfilled. How is it possible for a company to declare a two year contract when I/we 've been satisfied, if not loyal, customers for a decade or more? They said because we received new equipment 18 months ago. ( That is true in that the equipment we had failed, and their repairman said we needed another one. So apparently that made us a " new customer '' that had to maintain service for another two years. ) All equipment was returned to XXXX XXXX and acknowledged by them as such.
We did not end service because of a better offer from another cable company. I retired and moved to an XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX where acquiring XXXX XXXX would have been difficult if not a nuisance. XXXX XXXX captured $ XXXX dollars of that/ $ XXXXcancellation fee by absorbing credits we were given for terminating two other bundled services. We are refusing to pay the additional {$80.00} as this constitutes extortion and unjust levying of charges -- for what? non-loyalty?
|
| 07/30/2023 |
Yes |
- Debt collection
- Other debt
|
- Written notification about debt
- Didn't receive notice of right to dispute
|
|
Web |
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MRS BPO , LLC debt collections violated my rights under FDCPA. The debt collector illegally park a unvalidated debt on my consumer report to all 3 CRA 's XXXX XXXX, and XXXX without contacting me over a allege debt not owed by me. They are continuing collection attempts on a un-validated debt after being told to stop, and they are continuing communications after being instructed to cease and desist.
XXXX XXXX XXXX XXXX XXXX AMOUNT {$190.00} My consumer rights were violated on XX/XX/2023 where MRS BPO illegally parked a allege debt on my consumer reports that made, 1. False representations, or representations that lack substance 2. MRS BPO did violate my rights by not providing validation notices to me the consumer giving me the information I needed to dispute allege debt.
3. MRS BPO knowingly provided information to credit reporting agencies that they knew, or had reason to believe, was not accurate in violation of 15 U.S.C 1681e ( b ), and violated the FCRA 15 USC 1681b ( A ) ( 2 ) by accessing by consumer credit file without written consent or authorization by means of aggravated identity theft pursuant to 18 USC 1028A.
Therefore this debt was never validated so on XX/XX/2023 MRS BPO , LLC received a letter dated XX/XX/2023 Certified mail number XXXX to stop collections attempts on this unvalidated debt. This debt collector was notified to the fact that because of their violations that I refuse to pay this allege debt and also to cease and desist all communications pursuant to 15 USC 1692c ( c ). As of the date of this complaint MRS BPO , LLC continues to violate the FDCPA by willfully continuing with the infractions mention above.
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| 09/01/2020 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt is not yours
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Web |
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Approximately 2 years ago, I was no longer under contract with XXXX. I had period of over 30 days that I had no internet service, XXXX claiming they had " local equipment issues ''. They promised me a credit, then did not issue it. Based upon the fact that they had not delivered the service I had paid for, and were not sure they could continue to offer the service, I switched providers.
XXXX falsely claimed I was under contract. I produced documents that proved I was no longer under contract and could cancel. I also produced notes about the credit that was promised and never issued.
XXXX placed me with a collection agency. I disputed it and provided the same information. That collection agency removed me due to the fact XXXX could not substantiate and I had evidence XXXX placed the debt a second time with a second agency, MRS . This is now a second placement of an approximately 2 year old false claim. It is unreasonable to expect me to hold onto documents indefinitely and have to provide them over and over again to random collection agencies MRS has also added a mysterious additional charge of {$200.00} for no reason. I have already disputed this and told them I require verification if they intend to pursue this. MRS has NOT answered me.
XXXX can not charge me for a service they failed to provide me, especially a service I had already paid for. They may think submitting the debt numerous times to various different collection agencies will result in some money, but I am not going to fall for this unethical and probably illegal tactic.
This alleged debt is absurd, I owe NOTHING and I want it removed once and for all
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| 12/01/2021 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Information belongs to someone else
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Web |
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The below inquires made using my social security number and personal information were fraudulently created. One resulted going into collections, ( damaging my credit score and file ) with MRSBPO for an XXXX account I never applied for or authorized. I have filed a police report acknowledgment but unable to obtain a full and detailed police report from the XXXX XXXX XXXX Police Department XXXX XXXX XXXX XXXX, NJ XXXX. Detective XXXX informed me the following : " I advised XXXX XXXX, that in order to further investigate this incident I would need to obtain subpoenas from the XXXX XXXX Prosecutors Office to be served upon the various entities. The final report will not be released by our records bureau until the conclusion of this investigation. This investigation will not be complete until I have received the documents requested in the subpoenas and any leads pursued. Just a heads up, the report that our records bureau will provide you with will not include any officers narrative portion. There won't be much more information in this report than the form that I have already provided you with. In order to obtain the entire report I believe you will have to file for discovery, but our records bureau will be able to further advise you on that. I will keep you updated on the status of this investigation.
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Police Department XXXX XXXX XXXX XXXX, New Jersey XXXX XXXX Ext. XXXX XXXX I did not authorize or apply for credit with the below creditors.
XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX
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| 08/28/2023 |
Yes |
- Debt collection
- Telecommunications debt
|
- Attempts to collect debt not owed
- Debt was paid
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|
Web |
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Began receiving SMS and emails from MRS BPO with the content " Please contact MRS BPO , LLC at ( XXXX ) XXXX regarding a matter for SPECTRUM. MRS is a debt collector. If you want to opt out of future text messages reply with STOP. Visit us at : portal.mrsbpo.com To see important rights and information, click mrsbpo.com/state-disclosures '' on or possibly before Friday, XX/XX/2023. These emails were sent to spam by XXXX, and my SMS messages were marked, " spam risk '' by my cell provider. As such, I initially ignored them.
On Wednesday, XX/XX/XXXX, I received notification from XXXX that MRS BPO had hit my credit score with a 6 point deduction. At this point, I immediately went to their website and paid the {$45.00} debt that they claim I owed. Their website informed me that my account was now paid and closed.
On Friday, XX/XX/XXXX, I received notice from XXXX cable that a {$45.00} payment placed on XX/XX/XXXX could not be processed as I do not have an account with them. I checked back with MRS and saw that I still had only one account with them, and it was still closed, so I figured the debt had been incorrectly assigned in the first place, and didn't bother trying to figure out anything more.
On Friday, XX/XX/XXXX, I filled out a loan application for a new home, and was notified that I had an outstanding debt of {$45.00} to MRS BPO. I also found that MRS BPO had hit my credit score with a further deduction after payment of the debt.
When attempting to call MRS BPO 's customer service to resolve this problem, I have been hung up on by their automated answering service after being identified on each attempt.
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| 04/16/2021 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt was result of identity theft
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Web |
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Between XXXX and XXXX of XXXX an individual attempted/suceeded in opening several accounts using my maiden name and previous address ( I was given this information by the fraud department of one of the accounts that was opened ). I was able to close two of the accounts and receive fraud letters for future reference. An account with XXXX XXXX XXXX was successfully opened fraudulently using my maiden name and social security number and previous address, this account apparently went delinquent and was sold to debt collectors. I have tried to reach out to XXXX XXXX XXXX and they can not find an account with my correct information and basically cut off the calls. I have never received any correspondence from MRS BPO ASSOC. XXXX XXXX XXXX XXXX XXXX, NJ XXXX in regards to this collections so that I may dispute it and forward it to law enforcement as well as an attorney. They have reported this collection on my credit reports, I have disputed this with the credit reporting agencies and have had it removed from two reports. This is straight up fraud, I have worked hard since my husband passed away in XXXX of XXXX to maintain what we had. This has caused me a lot of stress and undo time spent trying to remove this. There has been a fraud alert on my credit reports since I discovered this, as well as a credit freeze. XXXX XXXX XXXX opened a fraudulent account using my maiden name and social security number and they have sold it to debt collectors something needs to be done about this. I have had the same cell phone company for over ten years and it has been current. This needs to be removed from my name, it is not mine.
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| 07/19/2023 |
Yes |
- Debt collection
- Private student loan debt
|
- Communication tactics
- Used obscene, profane, or other abusive language
|
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Web |
|
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National Collegiate Trust illegally sold my debt to XXXX XXXX XXXX XXXX. They contacted my father, XXXX XXXX XXXX, and sent him a bill with an account balance {$13000.00}. They have repeatedly contacted him about my own account status and my financials, despite the fact that I have a XXXX era no-contact order with my own father. They have divulged information such as my address and my phone number to my biological father, and they have sent him a bill in the amount of {$13000.00}. NCT had arranged a payment plan with me that they then reneged on, selling my debt illegally to XXXX XXXX. XXXX XXXX have used profane language when speaking to me, have taken very rude tones, have given information that is incredibly private to people with whom I do not speak, and even took a phone call from someone pretending to be me. Not once did they make an attempt to directly contact me about the debt until XX/XX/XXXX, at which point they were attempting to collect XXXX dollars, and not willing to settle. I was never given any forms about how to dispute the debt and no good-faith attempts were made to resolve this without escalating to a lawsuit.
The letter I have in my possession is dated for XX/XX/XXXX ; account number : XXXX, balance : XXXX. It is addressed to my FATHER, who forwarded it to me after getting my residential address from XXXX XXXX. When I told the agent that she could not call me, she said, " Well we have to be able to call you. '' I said - well don't, and she indicated that they couldn't not call me. Debt collectors are not entitled to call us whenever they want.
|
| 07/14/2018 |
Yes |
- Debt collection
- Other debt
|
- Written notification about debt
- Didn't receive enough information to verify debt
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Web |
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On XX/XX/XXXX I received a phone call from XXXX XXXX with MRS BPO stating that I had student loan debt in collections in their office. I attempted to make a payment arrangement of {$100.00} a month with the company however they were asking for a good faith payment of 15 % of the balance of {$15000.00} which I did not have and I explained to Ms. XXXX that I did not have that amount to put down as a good faith payment.
The company is unwilling to make an arrangement without a good faith payment which I do not have the means to pay.
Prior to this being transferred to MRS BPO I had an agreement with XXXX XXXX XXXX and received in writing an agreement to pay {$230.00} a month beginning XX/XX/18. XXXX XXXX XXXX never gave me to opportunity to respond, agree to, and make the payment as it was transferred to another collection agency.
Ms. XXXX also continues to tell me that she knows that the co-borrower on the student loan has the assets to pay the good faith payment and states that she can not disclose to me how she knows that information.
I submitted a complaint on XXXX XXXX XXXX back in XX/XX/2018 and received a response stating they would be willing to work out an agreement. The letter was dated XX/XX/2018 I believe, the letter then had to be mailed to me which would take a couple days and thats not including XXXX XXXX holiday and weekends ( mail isnt delivered on Sundays ). Ms. XXXX from MRS BPO states they received my account in their office on XX/XX/XXXX. That didnt give me any time to receive the letter from XXXX XXXX XXXX and respond which I feel is unfair.
|
| 02/18/2022 |
Yes |
- Debt collection
- I do not know
|
- Took or threatened to take negative or legal action
- Threatened or suggested your credit would be damaged
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Web |
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In XXXX or XXXX of XXXX, I received a weekend phone call from a company concerning a dept from a creditor in which I had no previous contact or experience. I informed the company that I had no knowledge of this debt and it did not belong to me. The company requested over the phone that I provide my SS # in which I refused to provide over the phone given multiple fraud attempts regarding my personal information. I receive a statement dated XX/XX/XXXX from MRS BPO LLC for an amount of {$500.00}. I responded to the letter in writing informing this company that I have no record or knowledge of the dept, did not think the dept was mine and requested that they cease from contacting me regarding payment for this dept.
On XX/XX/XXXX, I received a electronic alert that my credit record had a collection notice placed by XXXX XXXX XXXX XXXX XXXX. When I examined my credit report, my score had negatively been impacted by over XXXX points due to collection note placed on my file by XXXX XXXX XXXX, XXXX. I had not been contacted by this company previously. I called XXXX XXXX XXXX, informed them that the account was not mine. They provided a document in which it appeared someone had opened an account via the internet using my personal information and an email account that was not mine. I informed XXXX XXXX XXXX that I did not open or had no knowledge of the account and it appeared to be fraudulent. They demanded that I file a police report, obtain a certified rebuttal and provide ID to " investigate '', meanwhile my credit continues to be flagged with the fraudulent account.
|
| 10/29/2018 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt was paid
|
|
Web |
Servicemember |
|
In or around XX/XX/XXXX-XX/XX/XXXX, ( can't remember exactly dates due to having mild XXXX from military service ) my wife and I had secured phones with XXXX XXXX, however, upon getting to our house and that following week, our services and phone signal was not-existent, calls were dropped, couldn't get a signal, so I contacted their customer service and was relayed to their technical service department. They opened a ticket and they researched why our services wouldn't work at our house. The response from them was this, their equipment in our area was old, does not work well and they aren't going to update soon. The equipment was their cell towers, the field techs confirmed that their services was not right for us. We took this to their customer service, it was escalated to their management team, it was agreed that we take our equipment ( phones ) back to the store and all contracts would be dropped due to their services would not be available at our residence. My wife owns her own business and her phone is her lifeline, I am in the military and mine is too me as well. We left that day with no contract with XXXX XXXX and no balance, we immediately went to XXXX and was with them up until we moved to XXXX XXXX XXXX 2 years ago. This is an attempt to get money out of me that this company has no contractual agreement to nor do they have any legal recourse to do so. This should be deleted IMMEDIATELY and XXXX XXXX should CEASE any and all attempts to steal illegal funds from me. Their illegal reporting is causing undue harm to my credit and is defamation of credit.
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| 01/31/2023 |
Yes |
- Debt collection
- Auto debt
|
- Attempts to collect debt not owed
- Debt is not yours
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|
Web |
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XX/XX/2023 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Re : XXXX XXXX To Whom It May Concern, This letter is being sent to you in response to correspondence received in the USPS.
This is a notice that your claim is denied and disputed.
Under the Fair Debt Collection Practice Act ( FDCPA ), I have the right to request validation of the debt you say I owe.
I am requesting proof that : 1. I am indeed the party you are asking to pay this debt 2. You possess original creditor documentation/business records with a full accounting using the XXXX XXXX XXXX Principles for charges, payments, interest, etc. of the amount of this debt that be presented as evidence. Also, explain and show me how you calculated what you say I owe.
3. Your claim is legally supported by a sworn affidavit from someone with personal knowledge of these business records, where in this informational age anyone could have 4. There is some valid contractual obligation which is binding on me to pay this debt, and 5. You, as a debt collection debut buyer, produce documentation from the alleged creditor authorizing you to report this alleged and pursue collections of an alleged debt.
Your legal staff will agree to compliance with this request under the laws of Georgia and Federal Statutes. Note, there are no record in Georgia Business search that gives you authorization to collect in the state of Georgia.
Also, be advised that this letter is not only a formal dispute, but a request that you stop any and all collection activities pursuant to the Fair Debt Collection Practices Act.
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| 04/05/2021 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
Servicemember |
|
XX/XX/XXXX RE : XXXX and MRS BPO, L.L.C.
On XX/XX/XXXX XXXX sent my bill to " XXXX '' for collection. Upon XXXX reading my complaint through CFPB they determined their was no reason to pursue this charge from XXXX.
I talked to dozens of people at XXXX about my XXXX not working properly the day after I received it. I kept getting kicked around from person to person and department to department. I finally reached a specialized department that immediately told me I had a free exchange due me. XXXX sent me a return box and instructions on how to return the faulty phone and I was sent a replacement. I have not had any trouble with the replacement. I have never had trouble with any phone since I started using cell phones in XXXX.
I sent the phone back as instructed and the next thing I get in the mail is a collection notice.
XXXX sent me a return box and authorization. With out having that authorization and box with a shipping label through UPS I could not have returned the phone. I do not know what happened from my returning the faulty phone to them sending a bill to collections. I can not get anyone at XXXX who knows anything to explain what happened.
After being treated so horribly from XXXX, I switched phone service. I made sure I was paid in full and canceled their service.
I am sorry XXXX is so vindictive and so childish to first allow a return and then, because someone, in some office, in some town had a bad day, decided I should be charged. It's very upsetting.
I do not owe this bill. I will never pay this bill.
|
| 01/05/2016 |
Yes |
- Debt collection
- Other (i.e. phone, health club, etc.)
|
- Disclosure verification of debt
- Right to dispute notice not received
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|
Web |
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I was first made aware that I had an outstanding debt with " mrs BPO '' entity when it first appeared as a derogatory entry reflecting an outstanding debt of {$830.00} ; and after extensive research and number out calls I was made aware that this is an entity owned by and/or affiliated with XXXX XXXX XXXX. I then called XXXX approximately 8-10+ times over a period of 4 weeks, with each call having spent in excess of 30-90 minutes per call ; each time ending the call with a different promise from each representative that I spoke to confirming that they would be researching the debt, and getting back to me with a resolution. Despite these promises on numerous, separate accounts, I never received any follow up- by phone, email not by US mail to validate the debt. The only information that I was given during one of my initial calls with XXXX was that their claim appears to reflect an amount outstanding for equipment that was not turned in following the termination of my cable contract with them dating back to 2011 ; to which I made it clear that I was 100 % certain that I did in fact turn my equipment in at the earlier date to which they were referring. My issue with them notwithstanding their dishonestly and lack of cocern and follow up ; was that I wqs Never informed by any Means ( phone email not US mail ) of this alleged debt, and the first instance was almost 5 years following the date of their claim on debt, never once by the entity themselves ( XXXX or under the Alias mrs BPO ) ; but only on the instance in my credit report
|
| 11/20/2021 |
Yes |
- Debt collection
- I do not know
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
MRS BPO has contacted XXXX and negativley affected my credit report ( which was OUTSTANDING ) that they represent a debt for collection. They will not tell me who they represent. MRS BPO is listed as a collection agency representing their client ( unamed ) on my credit report as some entity who claims I owe money. I have no idea who MRS BPO represents and have never received a bill from them OR their client.
I need them to immediately provide me with this information : # 1 ) signed contract or application where I allegedly obtained credit with you.. # 2 ) Copies of all invoices mailed to me during the time I allegedly had an account with their client including what services they provided to me. # 3 ) Verification of all payments made by cash, credit card, bank debit or check on this account during the time it was open.
Please mail this information to me within the next ten ( 10 ) days or remove this from my credit report as erroneous and do not ever attempt to collect this false debt from me again.
By copy of this letter, I am notifying XXXX, XXXX and XXXX that I am filing a formal dispute of this account.
I am also notifying the XXXX, Consumer Protection Division of the Office of the Attorney General in New Jersey that you are violating the FDCPA and the FCRA by reporting an account I DO NOT OWE AND HAVE NEVER HAD TO the credit bureaus.
You may mail your response to me at the address on the account.
cc : XXXX, XXXX XXXX, XXXX and CFPB, Attorney General Consumer Protection Division, XXXX, New Jersey
|
| 09/04/2021 |
Yes |
- Debt collection
- Auto debt
|
- False statements or representation
- Attempted to collect wrong amount
|
|
Web |
|
|
On XX/XX/XXXX, I contacted XXXX XXXX to pay off a charged-off account, I was told they no longer had the account and to contact MRS and associates. I called them immediately and told them I would like to settle the debt and be done with it, the phone rep said we can settle your account for XXXX and will send you a letter in the mail that the account has been settled and closed. She co-erced me to give her my debit card info because she said it would only take two days to process and would be the quickest route, which was a red flag and should have known that she was a con-artist then, I gave her my debit card number and she took the money out of my account and then set up recurinng payments without even telling me and the other issue is that they didn't even update the credit bureaus at all! They just took my hard earned money and could not get a person on the phone after that. They are TRASH and should be shut down. I have all the letter correspndance they sent me and will be glad to upload. On XXXX XXXX they updated the account to a derogatory account that's late and don't even know how that is possible because the account was settled but they sent me a letter in the mail that was dated XX/XX/XXXX but mysteriously just got it a week ago. They just took my money and think they can just get away with it. I really don't want to deal with this trash company again, so I would like the account to be updated to {$0.00} which was the original agreement that we made over the phone and the rep knows that was the truth.
|
| 12/01/2019 |
Yes |
- Debt collection
- Other debt
|
- Written notification about debt
- Didn't receive enough information to verify debt
|
|
Web |
|
|
MRS BPO Account # : Unknown Amount : {$260.00} To Collection Manager : This is a second letter is to inform you that the validity of this debt is disputed. I am unaware of this account and have no verification this debt is mine. I only know of this account based on it being reported in my credit report ( s ) which had been deleted and readded as MRSBPOLLC and various names abbreviations pointing to your organization. As we both know, I have the right to dispute this account, request for verification, and/or request for validation of this debt. However, in order to quickly resolve this account, I would like to see the contract/agreement and any other supporting document you may have that I have willingly entered into any sort of agreement with MRS BPO and if or where I agreed to have business with you or paperwork contracted for myself, XXXX XXXX & MRS BPO. I have made several attempts to reach your organization without resolve as each time because I am asked personal information which I do not feel obligated to give out to your representatives as I have no knowledge of being contracted to you in any way. Bills, and any statements that are originated from a secondary part are not considered validation of debt to you.
Unless MRS BPO can provide proper validation as recognized in FCRA 15 U.S. Code 1692g ALL reported information regarding this account must be deleted from ALL credit reporting agencies immediately following receipt of this letter as specified above.
Thank you for your time.
XXXX XXXX
|
| 08/25/2019 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Account status incorrect
|
|
Web |
|
|
XX/XX/19 : Paid XXXX XXXX what should have been my final bill but still received a subsequent bill.
XX/XX/19 : Switched from XXXX XXXX to new service.
XX/XX/19 : Returned all XXXX equipment to them.
XX/XX/19 : Received final XXXX Bill. Called immediately to dispute charges but was unable to get immediate assistance.
XX/XX/19: Took the day off from work and was finally able to reach a representative who explained the bill. Still didn't agree with the explanation but we could not come to an amicable agreement. I explained that my contract buyout was in process and that I would pay the bill by XX/XX/2019.
XX/XX/19 : Received email notice from MRS BPO , LLC, XXXX had assigned them the account. MRS BPO provided 2 payment options. I opted to make 2 payments of {$220.00} due XX/XX/19 and XX/XX/19. I made my first payment XX/XX/19.
XX/XX/19 : Called MRS BPO to clarify payment agreement because I received a notice which stated the option I chose would not pay the bill in full. Representative said the option had expired on XX/XX/19 but there is nothing in their records that shows this and the rep agreed to accept the final payment. She assured me that my bill would be paid in full and accepted my credit card payment by phone. 15 minutes later I receive notification that she placed the account on my Credit Record. It dropped my credit score by 54 points. I am in the process of buying my retirement home and this can either impact my interest rate or lead to me being denied for a mortgage all together.
|
| 07/24/2015 |
Yes |
- Debt collection
- Other (i.e. phone, health club, etc.)
|
- Cont'd attempts collect debt not owed
- Debt is not mine
|
|
Web |
|
|
We have received communications from a debt sold by XXXX XXXX. We disputed the accuracy of the debt several times directly with XXXX XXXX and they refused to correct the matter because we were no longer a client of theirs.
They were billing us for services not used because they stated that it is their internal policy to bill their consumers for a complete month of service and not pro-rate their bill if they left the service.
We had no contract and were not under any requirement to maintain service with XXXX. We do not feel that we are subject to their internal policies nor should they be permitted to charge us for services after our service was terminated.
The main issue is them billing us for a full months of service after our service was terminated and we were not able to use it any longer. We were a customer of XXXX XXXX for more than XXXX years and left because they continued to raise their prices and were no longer competitive in the marketplace. We were never late, and called and gave them the option to retain our business and reduce our rates to be competitive.
The associate handling our request told us that we should just go to the competitor because they were not willing to compete.
XXXX assessed an ETF on XXXX of the lines even though we contacted them to cancel and advised them that we were cancelling without penalty due to a recent rate change. We received notification that we had the right to cancel without ETF if we notified them that we didnt agree with a recent increase.
|
| 03/29/2021 |
Yes |
- Debt collection
- I do not know
|
- Communication tactics
- You told them to stop contacting you, but they keep trying
|
|
Web |
|
|
i have received a call from a company by the name of XXXX . They initially called from XXXX on XX/XX/XXXX at XXXX. I called back to try and find out what the company was and why they were calling as i do not have any business with any companies called XXXX nor does this company sound familiar in any way. on XX/XX/XXXX told them i could not disclose my identity to them because i do not feel comfortable not knowing who they are calling on behalf of. They refused to disclose who they were calling on behalf of which they must do. I do not have to compromise my identity or ANY of my personal information to any company without knowing who the creditor is. I received a call from them again today from XXXX a rep answered the phone and again tried to trick me into identifying myself. I refused again and explained that i did not feel comfortable disclosing my identity until i knew who they were calling on behalf of which is outlined in FDCPA guidelines. The rep then transferred me to a supervisor, who was for lack of better word " XXXX '' and rude. She as a supervisor should know that before a client identifies themselves thy have the right to know the creditor. I explained to her that if she did not tell me who the creditor was i could not identify myself because there are far too many scams going on and i am not familiar with the business. She still refused and i then told her that i would make a complaint for the FDCPA violation she then hung the phone up on me because i refused to identify myself.
|
| 07/13/2023 |
Yes |
- Debt collection
- Credit card debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
Servicemember |
|
MRS COLLECTIONS LLC. BE ADVISE, THIS IS NOT A REFUSAL TO PAY, BUT A NOTICE SENT PURSUANT TO THE FAIR DEBT COLLECTION PRACTICES ACT, 15 USC 1692g STATING YOUR CLAIM IS DISPUTED AND VALIDATION IS REQUESTED. This is NOT a request for " verification '' or proof of my MAILING ADDRESS, but A request for VALIDATION made pursuant to the above-name TITLE and Section. I respectfully request your offices to PROVIDE me with competent evidence that I have any LEGAL OBLIGATIONS to pay you. At this time, I will also inform you that if your offices have reported invalidated information to any of the 3 major credit bureaus ( XXXX, XXXX, OR XXXX ) this ACTION may constitute fraud under both Federal and State Laws. Due to this fact, if any negative Mark is found on any or my credit reports by your company or the company you represent, I will not hesitate in bringing LEGAL ACTIONS against you and your client for the following : VIOLATION of the Fair Credit Reporting Act, VIOLATION of the Fair Credit COLLECTION PRACTICES ACT, and DEFAMATION OF CHARACTER ( per se ). If your offices are able ro PROVIDE the Proper documention as requested in the following Declaration, I will require at least 30 days to investigate this information, during which time ALL COLLECTION ACTIVITIES SHALL CEASE AND DESIST. IF YOUR OFFICE FAILS TO RESPOND TO THIS VALIDATION REQUEST WITHIN 30 DAYS FROM THE DATE OF YOUR RECEIPT, ALL REFERENCES TO THESE ACCOUNTS MUST BE DELETED AND COMPLETELY REMOVED FROM MY CREDIT FILE.
|
| 08/13/2021 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
In XXXX of XXXX I reported this debt as fraudulent. The debt was verified as fraudulent by XXXX XXXX XXXX using the account number provided by the previous collection agency. The account number provided wasn't even in their database. The debt was subsequently removed from my credit reports by XXXX because it was determined that the debt was fraudulent. In the previous complaint I requested the contact information of the seller of this debt so that I could ensure permanent closure of this matter. XXXX XXXX XXXX refused to provide that information which left me open to more fraudulent reporting of this fraudulent debt. Since CFBP doesn't require transparency on where they obtained the fraudulent debt we can't actually file a complaint against the company that initiates the fraud, instead, I am forced to file a complaint against the collection agency. The fraudulent debt was reported as late as of XX/XX/XXXX, the current date given is XX/XX/XXXX. It can't be both and be true. During the initial investigation XXXX couldn't provide any details other than my name. The new collection agency has far more information which means that by filing these complaints they have been able to piece together more of my information which only strengthens their case, leaving me fighting to prove they are wrong, meanwhile, they aren't required to share ANY information on where they supposedly obtained the debt. Please see the attached documents showing the grave inconsistencies in this debt.
|
| 10/20/2019 |
Yes |
- Debt collection
- Credit card debt
|
- Attempts to collect debt not owed
- Debt was paid
|
|
Web |
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On XX/XX/XXXX I paid XXXX XXXX which is XXXX XXXX XXXX in full to delete from my credit report. I also paid all of the XXXX XXXX on XX/XX/XXXX pay to delete. One was with XXXX, XXXX XXXX XXXX and XXXX XXXX XXXX. I paid XXXX XXXX who told me they could not delete from my report but they have a few payments marked as not paid and they were for those 2 months. XXXX XXXX closed the account on my report but a collection agency bought it. XXXX says I owe XXXX because I volunteerly gave up my car to them so they came to my address and picked it up. Well the so called collection agency that took over told me that I owed XXXX why are the debts not the same? Also, I never heard from Mrs associates nor have I received anything in the mail from them I thought XXXX just closed it well I figured I would try to settle so I called XXXX to try to settle and that's when they told me Mrs owns it and so since then they have been calling me and sending letters but I have went a year or longer not even knowing Mrs had my debt. When I try to get my account number to pay what I can they will not give it to me they say that I do not want to do it that way that they will not get any of the money so they will not be able to subtract from debt. Also they told me they would not work with me unless I paid a {$1000.00} down they did not except my monthly payment I offered. XXXX also has a few late payments down on my report that are wrong and I can prove I paid them for that month.
|
| 12/16/2023 |
Yes |
- Debt collection
- I do not know
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
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I received a text message on XX/XX/2023 with the following : " Please contact MRS BPO , LLC at ( XXXX ) XXXX regarding a matter for XXXX XXXX MRS is a collection agency. If you want to opt out of future text messages reply with STOP. Visit us at : https : //portal.mrsbpo.com. To see important rights and information, click mrsbpo.com/state-disclosures ''. However, I have never opened an account or done business with XXXX. I reached out to XXXX who were able to confirm that I have never had any accounts or debt with them. I went to the link provided in the text and entered my phone number and the last 4 of my SSN, and the MRS BPO site also showed that I do not have an account with them. Entering this information was required for me to view details of the alleged case because the other options were to provide an MRS account number or a Creditor account number which did not exist. I am worried that I have already provided too much information to this company, which is why I did not reach out to them directly. I replied STOP to the text message to stop receiving messages, and was sent an automatic response saying I was successfully unsubscribed. I am worried about this false claim being sent to credit bureaus and affecting my credit. I am filing this complaint to keep a formal record with a reliable third party that I have never had debt with XXXX and any attempt by MRS BPO , LLC to collect on such debt or to report it to any credit bureaus is fraudulent.
|
| 06/14/2020 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
Servicemember |
|
About a year ago I tried to get service with XXXX XXXX internet. When they came out and installed the service, I have to pay an {$200.00} install fee and get a box installed outside for their network card XXXX {$320.00} ). The internet did not work in my house, they sent out technicians on 2 seperate occassions trying to get the service to work but it didn't. I called to make sure they disconnected the service as I could not use it. I didn't receive my install fee back and now I have a box installed on the side of my house that I lost money on also. Everything was supposed to been taken care of with no worries. Then last week I get a collection for {$460.00} put on my credit report damaging my credit and also putting me at risk of losing my purchase of a house in the upcoming month. I do not owe them anything, i've called them on several occassions before this got on my credit report and was assured it would be taken care of. I talked to someone XX/XX/2020 saying that now they would take it off my credit report withing 3 business days and were we are 10 business days later. Companies are good at messing up but not correcting their mistakes ... and definitely not in a timely manner. I'm looking to get this fixed by any means necessary. If I lose out on my home purchase due to this collection that I shouldn't have on my report. I am getting a lawyer and suing for defamation of character. I am so tired of companies doing what they want to the consumer.
|
| 11/29/2016 |
Yes |
- Debt collection
- I do not know
|
- Cont'd attempts collect debt not owed
- Debt was paid
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Web |
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This company has placed a stop on my vehicle registration for supposed tunnel fees that they should not have been accrued due to me having XXXX EZ pass accounts for over 8 years. I spoke to a manager by the name of XXXX XXXX who was rude and unwilling to even listen to me. He tried to tell me that they have charged me {$53.00} per transaction for {$1.00} tunnel fees that they admittedly never sent me an itemization of from 2013. They apparently received my information from the XXXX XXXX XXXX XXXX, which I have only used about XXXX times in the past going to see XXXX, as I am a XXXX. This is an absolute scam. The manager told me that he was unwilling to release my registration with the Virginia DMV unless I paid him {$450.00} for my car and another {$400.00} for my SUV that I no longer even own. The state needs to do something about these companies praying on people to collect fictitious fees. I asked him over and over to give me dates because I am disputing this being that I have an EZ pass account with XXXX EZ passes. This is ridiculous and futhermore, if this was from 3 years ago, why havent they made any contact with me and why are they just now placing a hold on my registration? I contacted them when I found out about the hold while trying to register my XXXX. My SUV was registered with no issue back in XXXX. This should be illegal and the state should put a stop to these predatory practices. I am attaching proof of my EZ passes.
|
| 07/10/2021 |
Yes |
- Debt collection
- Other debt
|
- Took or threatened to take negative or legal action
- Threatened or suggested your credit would be damaged
|
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Web |
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I purchased a American XXXX from a pet store in XXXX at the very start of what would become the COVID pandemic and was told that I could get a loan with no interest on the dog. I was guided through the application and signing at the desk with a staff member who did not show me any paperwork, said everything to me word of mouth and instructed me to sign documents that were not viewable until after everything was done. They completely lied about how the entire operation worked. My plan was to get the puppy and then use my tax return to pay off the sale amount around a month later. When I called XXXX to pay off the dog they told me that I had to pay well over XXXX dollars with a XXXX sale price. I tried to return the dog because I couldnt afford it but they told me that I will still be responsible for the entire amount and that I was leasing the animal. I HAD NO IDEA this was never shown to me or instructed until after my paperwork was sent after the sale was done.
Fast forward until now, Leasing animals in Virginia is illegal ( i was not aware ) they have sold my account to collections, MrsBpo llc for a amount owed of XXXX. This is absolutely frivolous and new to me against the law. The contract I viewed clearly states I am leasing which is clearly illegal. I am terrified this will go on my credit or I will continue to be harassed with letters after I told them I was taken advantage of at the store and could not afford that amount.
|
| 12/04/2023 |
Yes |
- Credit reporting or other personal consumer reports
- Credit reporting
|
- Problem with a company's investigation into an existing problem
- Their investigation did not fix an error on your report
|
|
Web |
Servicemember |
|
In accordance with the Fair Credit Reporting Act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.
I told XXXX, XXXX, and XXXX to reinvestigate these accounts : MRS BRO L.L.C. However, they stated everything was complete and accurate. But how is that possible if the open date, date of last activity and much more is incorrect. According to 15 USC 1681i ( 5 ), they are supposed to modify accounts that aren't reporting correctly.
15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
15 U.S.C 1681 section 602 A. States I have the right to privacy.
15 U.S.C 1681 section 604 A section 2 : it also states a consumer reporting agency can not furnish an account without my written instructions.
15 U.S.C. 1681c. ( a ) ( 5 ) Section states : no consumer reporting agency may make any consumer report 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 seven years.
15 U.S.C. 1681 s-2 ( a ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
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| 06/04/2022 |
Yes |
- Debt collection
- Credit card debt
|
- Written notification about debt
- Didn't receive enough information to verify debt
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|
Web |
Servicemember |
|
I consumer XXXX XXXX XXXX XXXX have had my federally protected consumer rights violated pursuant to 15 usc 1692 multiple times. MRS BPO, L.L.C. mailed me a letter trying to collect on an alleged debt. This letter contained violations of 15 usc 1692 f ( 8 ), there can be no symbols on the outside or inside the mails in the attempt of collection of any debts, 15 usc 1692 e ( 2 ) ( a ) How can MRS BPO, L.L.C., allege I the consumer owes a debt, but the debt is shown in the positive balance? If the balance was owed in a bank account, it would be shown in the negative. This amount is shown positively. How can a person pay on a positive amount? This amount appears as if it were owed to me ; numerous violations of 15 usc 1692 e ( 10 ), violations of 15 usc 1692 c ( b ) MRS BPO, L.L.C. can not communicate with anyone other than the consumer, an attorney or CRA if permitted by law. However, the debt collector, MRS BPO, L.L.C. has communicated with the all caps name principal obligor, XXXX XXXX XXXX XXXX } and has always referred to my principal obligor and not myself the agent, natural person, and consumer in fact ; violation of 15 usc 1692 b ( 2 ), any debt collector communicating with any person other than the consumer for the purpose of acquiring location information about the consumer shall not state that such consumer owes any debt, violations of 15 usc 1692 d ( 1 ) and violations of 15 usc 1692 d ( 2 ).
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| 02/29/2020 |
Yes |
- Debt collection
- Other debt
|
- Written notification about debt
- Didn't receive notice of right to dispute
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|
Web |
Servicemember |
|
I recently started using XXXX XXXX and noticed an account placed in collections with MRS BPO from the original creditor XXXX XXXX. I closed an account with XXXX XXXX about three and a half years ago. I was never given any final bills or notices about amounts owed other than what I received in my email as I was enrolled in paperless billing. I was NEVER given notice that this account was placed with MRS BPO and only found out about it due to the credit monitoring site. I have no contact information for the company and was not given instructions on how to dispute the debt. I attempted to contact the original account holder ( XXXX XXXX ) and was unable to obtain copies of my former account statements or get any information about the debt. I have no idea what these charges would have been for and was only given a phone number for MRS BPO by the XXXX XXXX agents. They told me to call XXXX to speak with another " department '' about the account. I called the number during the stated business hours and reached a recording stating they were closed and to call back during regular business hours. MRS seems to be a 3rd party debt collector and my credit score has been negatively impacted because of their reporting on a debt that I was never notified about and do not even think is valid. This has been reported as a derogatory account for 5 months and I can not speak with anyone to get it removed/resolved.
|
| 09/02/2023 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt was paid
|
|
Web |
Servicemember |
|
I had a loan with XXXX XXXX XXXX, XXXX that was sent to MRS BPO for collection. When I became aware of the collection account I reached out to XXXX XXXX XXXX XXXXXXXX to settle the debt and have it stop reporting to my credit report. XXXX XXXX XXXX, XXXX agreed to a " pay-to-delete '' solution for the debt and instructed me to make the payment to MRS BPO. On XX/XX/, I made the payment to MRS BPO and it was posted to my account, I was given a receipt which was also sent to XXXX XXXX XXXX, XXXX. Over a month later the item remains and is reported to my credit report. I reached out to XXXX XXXX XXXX to inquire about why the item is still being reported and to confirm that they received payment confirmation. They did receive confirmation but the item is still reporting and hasn't been removed as previously agreed upon. MRS BPO has also contacted me requesting payment for the same account again even after it was settled on XX/XX/. MRS BPO is now attempting to collect on the same debt, but this time they're using a different account number. I contacted MRS BPO and they stated that the debt came from XXXX XXXX XXXX, XXXX and they can not do anything about it until it is paid. I contacted XXXX XXXX XXXX XXXXXXXX and notified them of what MRS BPO said but they denied sending them the debt and confirmed that the only debt that they did send to MRS BPO has been settled.
|
| 03/14/2020 |
Yes |
- Debt collection
- Other debt
|
- Written notification about debt
- Didn't receive enough information to verify debt
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|
Web |
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I opened up a XXXX account a month or so ago. I opened two lines which should have been under one account. One account was created with the second number listed as a sub-account. I paid both bills and got the accounts fixed with XXXX. I received a statement from the account that was no longer in service as it was switched that had an overpayment of {$88.00} for account XXXX which was switched over to the main account. I called XXXX back and asked if that overpayment could be transferred to my main account to pay my current bill. They allowed that to happen. A few days later a get a text message from MRS BPO collection agency stating that I owed debt of {$88.00} on the account XXXX which was refunded to me. I contacted XXXX who stated I had not been turned into collections and that everything on my account was current. I answered a call from MRS BPO on XX/XX/2020 and told them that the debt was not legitimate and requested only to be contacted in writing and requested proof of the debt. They were also asking personal information about my XXXX account. I am still receiving text messages in regards to the debt which is not legitimate after making it known I only want to be contacted in writing. I called XXXX again today ( XX/XX/2020 ) and told them what was going on. They stated again there is no outstanding collection and that all accounts are current.
|
| 01/04/2021 |
Yes |
- Debt collection
- I do not know
|
- Attempts to collect debt not owed
- Debt is not yours
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|
Web |
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At XXXXXXXX XXXX on XX/XX/XXXX I received a text message asking me to contact them regarding a debt collection. It was not a normal text message. It was sort of a picture message. It said contact MRS Assoc. Regarding a XXXX XXXX matter at XXXX XXXX XXXX XXXX. MRS is a debt collector. If XXXX is associated with XXXX XXXX then I am very confused. I dont have XXXX XXXX. I called the first time, prompted for customer service, waited forever, then a robo told me to call back during regular business hours. This was at XXXXXXXX XXXX ( Regular business hours ). So I called right back and prompted to make payment in hopes it would actually connect me with someone. When she got on the phone I explained I received this text about debt collection. She asked if anybody else regularly uses my phone. I said no. She then said something along the lines of, it appears to be a mistake and that she is sorry for the confusion and then she rambled some number off then hung up. Seeing as I didn't give ANY personal information other than my first name it seemed super sketchy she said what she did and just hung up. The way I received the message was weird. Everything about this interaction and situation was really weird and made me uneasy. If this is a legit company I would like an explanation of what is going on, and why I was contacted in the first place.
|
| 11/29/2019 |
Yes |
- Debt collection
- Private student loan debt
|
- Communication tactics
- Frequent or repeated calls
|
|
Web |
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I agreed to a settlement on a debt which was acquired by MRS Associates. Last Monday, XX/XX/XXXX, my wife and I signed off with our bank to secure the amount I had agreed upon. There was then a required three day waiting period before the funds could be dispersed. Funds were dispersed on Friday, XX/XX/XXXX. MRS Associates was made aware of this timeline and assured me calls to my cosigner would stop. On Monday, XX/XX/XXXX I was already receiving calls from MRS Associates harassing me because they had not yet received the check. They have continued to call me all week, and resumed calling my cosigner today. I called in to the person whom I had been working with today to find out what is going on, and she was extremely unreasonable, demanding multiple times that I contact my financial institution, even though I told her they were closed for the holiday weekend.
Basically, long story short is that I've agreed to a settlement with them and have taken care of securing the funds on my end. I've signed off on everything with my credit union and funds were to be dispersed on Friday, XX/XX/XXXX. MRS Associates began harassing me on Monday, XX/XX/XXXX because they had not yet received the money. The dispersement of the check is out of my hands, but waiting zero business days before resuming calls seems like textbook harassment to me.
|
| 03/09/2022 |
Yes |
- Debt collection
- Credit card debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
I started to receive debt collection mail communications dated from MRS Associates XXXX XXXX XXXX XXXX XXXX NJ XXXX for a credit card debt they say I owe. Through their website on or around XX/XX/22 I completed their online form to request a " Debt Validation Letter '' as is within my rights under the Fair Debt Collection Practices Act ( FDCPA ) and asked that they stop contacting me and collecting on this debt until they prove that this debt is mine as is also within my rights. I received no response from MRS until I received a letter dated XX/XX/22 which again attempted to collect on this debt. I once again went to their website and completed their form the same day I received the letter again requesting a " Debt Validation Letter '' as is within my rights under the Fair Debt Collection Practices Act ( FDCPA ) and again asked that they stop contacting me via all methods of communication until this is provided or I will be filing a complaint and that further violations can result in penalties up to $ XXXXcontact under the law. Today I received yet another letter attempting to collect on the debt dated XX/XX/22 and still have not received the Debt Validation Letter or any validation of the debt. I would appreciate any help you can provide as this collection agency is clearly not willing to follow the law as it is written.
|
| 10/10/2022 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Information belongs to someone else
|
|
Web |
Older American |
|
This started when I received a credit alert both from my bank / XXXX and XXXX XXXX stating that my XXXX XXXX had changed. After checking the score I found this had nose dived from near perfect to the low XXXX. Upon further checking with XXXX I noticed I had been put in for collection for an amount of {$1300.00} by a company called MRS Associates/ XXXX XXXX XXXX / XXXX XXXX NJ XXXX on behalf of their client " XXXX XXXX ''. Not only do I not have any account with XXXX XXXX - and never have - but I have also never been contacted by MRS Associates directly, as I said the only reason I even knew about this was because of the credit alerts from XXXX and XXXX. I have spoked to XXXX and opened a fraud dispute which will take 30 days to resolve, and I will do the same with XXXX and XXXX. This is complete fraud and a review of MRS on the local Better Business Bureau reveals that they have had XXXX complaints about their business practices in 2022 alone, including an identical situation to mine involving XXXX XXXX which leads me to question as to whether this MRS is in cahoots with their clients attempting to extort money from unsuspecting victims. I need this to be removed from all credit reports and an investigation should be launched into business practices of MRS. XXXX confirmed they will investigate under report # XXXX
|
| 06/11/2021 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
Servicemember |
|
Called Company, Disclosed to them I had disputed this account once before when it was with XXXX XXXX XXXX XXXX, first reported in XXXX of XXXX in the amount of {$320.00}, disputed in XXXX of XXXX, XXXX XXXX XXXX XXXX could not provide the required information in order to validate the account, which I had disputed.
Later XXXX sold the account to MRS Associates, in the amount of {$320.00}. This is the same debt with the original Debtor of XXXX. I am in the process of buying a home and this is detrimental to the home buying process already in contract to close in XXXX.
I contacted MRS Associates about this account on XX/XX/XXXX when I contacted them I provided them with my personal details and the last 3 addresses in which I lived at. The lady on the phone said none of the accounts associated with my First and Last Name matched any addresses I lived at in the last 3 years. I instructed her that this means they are reporting an account on my credit that is not valid and it needed to be removed. She stated " there is nothing I can do on this end without an account number ''. I provided this individual with my full SSN to verify any debts. She could not verify that the debt was valid to me and had no evidence. This is the second time I have disputed the same debt with a different debt collector for the same company.
|
| 12/10/2021 |
Yes |
- Debt collection
- Credit card debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
I have communicated with the XXXX major credit bureaus in regards to an account with XXXX XXXX XXXX ( that does not belong to me ) that is now charged off and impacting my credit. I requested to have proof of my signature from the credit bureaus of which they could not provide and the account remains. This account is now charged of to a collection agency : MRS BPO , LLC XXXX XXXX XXXX XXXX XXXX, NJ ( XXXX ) XXXX XXXX Amount : {$650.00} Account Number : XXXX : XXXX This company has been attempting to collect a debt that does not belong to me nor are they able to provide viable proof that this account with XXXX XXXX belongs to me.
They have sent me documents that has an address that is not associated with me. The address that they have is not my current address nor have I lived there. I would like CFPB to hold XXXX XXXX accountable and MRS BPO , LLC for not legally reporting an account that is not mine. I have communicated with both entities via mail to request that this account is removed. They are not cooperating with the Fair Credit Reporting act to require an actual signature or supporting documents to prove this account belongs to me.
This collection agency is practicing unlawful methods to obtain money for an invalid debt.
I would like this account removed at once.
Thank you, XXXX XXXX
|
| 10/20/2019 |
Yes |
- Debt collection
- Credit card debt
|
- Communication tactics
- Used obscene, profane, or other abusive language
|
|
Web |
|
|
I received a letter on XX/XX/2019 which was dated XX/XX/2019. The mail person saw the letter, put in in the wrong mail box, but at the correct address. Due to this, every person this letter was touched by in USPS and also my neighbor and even visitors inside my home were able to see the address label on the front of the letter, which unlawfully has the collection agency 's name right on the front. This is a very popular collection agency used by many creditors and many people know them by name alone. Also, even if they didn't, they could XXXX the name and then figure put what the letter was about without ever opening it, which is unlawful.
Even over the phone, there are rules that prevent collectors from disclosing the company 's name unless specifically asked since disclosing such information is unlawful which could hint towards a consumer having a debt with the collection agency. The issue is not about the letter going to the wrong address, it's about their company name being right on the front of the letter with my name on it which is a gives away that fact that I have an account with a collection agency.
The bill is for {$2600.00}.
This negligence is a violation of FDCPA and there needs to be consequences for these types of unlawful communications that can disclose the nature of the letter.
|
| 04/01/2020 |
Yes |
- Debt collection
- I do not know
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
In XX/XX/XXXX, I started receiving letters from a MRS BPO LLC @ XXXX XXXX XXXX XXXX XXXX, NJ XXXX saying I owed {$17000.00} I know that this is a scam as I am well aware of my past and current debt and have had excellent credit for years. I sent them a response via certified mail requesting the original signed contract, the age of debt ( statute of limitations ), date of last activity and date of first delinquency and noted that re-aging is not legal.
In XX/XX/XXXX, I received correspondence from MRS BPO LLC which consisted of 3 pages of hand typed columns with " {$11000.00} '' typed into each box with dates from XX/XX/XXXX - XX/XX/XXXX.
The debt date is typed in as XX/XX/XXXX.
A charge off date is typed in of XX/XX/XXXX.
Date of last payment was typed in as XX/XX/XXXX.
Date MRS bought the file was XXXX/XXXX/XXXX.
Where my name and address should go, it listed a bankruptcy attorney 's name and address as : C/O XXXX XXXX XXXX @ XXXX XXXX XXXX XXXX, WA.
XXXX XXXX is a bankruptcy attorney in XXXX, WA.
This is not a valid debt. MRS BPO LLC needs to be fined.
The lawyer who is referenced in the address bar is also suspicious and needs to be investigated - If XXXX XXXX has sold her bankruptcy client 's files, she needs to be disbarred.
I sent a cease and desist letter today to MRS BPO LLC.
|
| 05/05/2022 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Information belongs to someone else
|
|
Web |
|
|
I sent in a letter on my first police report XX/XX/2022 ( XXXX ) and letter for identity theft. Tracking Number XXXX USPS to have the account removed from my credit report. XXXX. I called in to dispute these items immediately. I was told I can not dispute these items because the creditor said the debt was mine and the debt had been validated. I asked for proof of validation. I was told that was something that could not be provided to me as consumer. I filed sent it certified mail r XXXX rep told me the account would stay on my report. On XXXX I spoke with XXXX a specialist that XXXX made me pay for in a membership benefit form. XXXX told me to send in a police report. But there was not much she could do. I explained the COST of sending in information and my lack of transportation due to being affected by the pandemic. Documents sent XX/XX/2022 According to the Fair Credit Reporting act 15 USC1681.Section 602A I have a right to privacy. According to 15 USC 1681 Section 604A Section 2 No financial institution is suppose to share my information to a third party. I did not give written permission to have the accounts added to my credit report. I have also attached a recent copy of my XXXX report to support and show inaccuracies. This clearly violates my federally protected consumer rights
|
| 07/16/2023 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Information belongs to someone else
|
|
Web |
Servicemember |
|
On XX/XX/2023, MRS BPO LLC reported a collection of delinquent payment to the credit bureaus, on behalf of a collection for XXXX XXXX This apparently relates to an account opened on XX/XX/2023, and which remains unpaid in the amount of {$530.00}. This is not my account and has no relationship to me ; therefore, the reporting is erroneous, or fraudulent. I do not have now, nor have I ever had, an account opened with XXXXXXXX XXXX. The obvious evidence against this erroneous report is that there is no credit inquiry and no credit account activity reported on my credit report. Moreover, due to multiple identity theft incidents, my credit reports have been locked at my request for years, and so no creditor can access my credit report with respect to any new request for new line ( s ) of credit. Additionally, I have had no contact from MRS BPO LLC and they have apparently made no effort to investigate whether this claim in fact relates to me ; if they had, based on the preceding information I've presented, they would recognize this claim is unrelated to me. Therefore, MRS BPO LLC is either in error or is contributing to fraud ; as such, and since this report is harmful to my credit score, which is exceptional, MRS BPO LLC must immediately correct this report with the credit bureaus.
|
| 07/12/2022 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt was result of identity theft
|
|
Web |
Older American, Servicemember |
|
On XXXX XX/XX/XXXX XXXX XXXX initiated a collection action using the collection agency Mrs BPO to collect from me {$890.00} for purchase of an XXXX XXXX. I never made this purchase. On XX/XX/XXXX I contacted a local XXXX XXXX XXXX branch in XXXX CO to help me understand what this matter was about. I learned the following from the XXXX XXXX XXXX agent : That someone using my name and social security number had made the purchase from XXXX XXXX XXXX. That the address that person gave to XXXX XXXX was XXXX XXXX XXXX, XXXX TX XXXX. That the XXXX XXXX purchased has an IMEI identification # XXXX. The XXXX XXXX XXXX agent connected me with the XXXX XXXX XXXX fraud department who committed to withdrawing the collection request from Mrs BPO collection company and to investigate the case as fraud. The XXXX XXXX XXXX XXXX fraud department agent told me they would advise me of the results of their investigation within 30 days. As of today, XXXX XX/XX/XXXX, I have not received any communication from XXXX XXXX XXXX. I am filing this report at the suggestion of an XXXX Corporation agent with whom I spoke today, XXXX XXXX XXXX I want my credit report with the three major credit reporting companies restored to an Excellent rating and any adverse credit report removed from their database.
|
| 12/02/2019 |
Yes |
- Debt collection
- Private student loan debt
|
- Took or threatened to take negative or legal action
- Threatened to sue you for very old debt
|
|
Web |
|
|
I attended the XXXX XXXX XXXX XXXX in XXXX. I signed a loan with my mother as a cosigner with the promise of the school that there would be " lifetime '' education, access to equipment and job placement assistance. The school closed without notice in XXXX. I stopped paying this debt in XXXX, after paying since XXXX with only a few lapses, due to financial hardships.The debt has been passed to a number of aggressive collections agencies and now appears multiple times on my credit report, reducing my score significantly.
It is my understanding that our current President had to repay the students that attended his university as they were misled and essentially not given what they paid for.
After research on current litigation, I believe this debt is fraudulent as I was misled by false advertising and false promises. I also believe the XXXX XXXX XXXX XXXX should be investigated and the tuition paid to this company masquerading as school should be returned to the people who attended their closed locations, including but not limited XXXX, VA.
This debt, that I assume XXXX XXXX XXXX XXXX has absolutely nothing to do with at this point, is hindering my ability to purchase a home, to return to school and to sign up for simple utilities for my family. Please do something.
|
| 10/06/2022 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
On XX/XX/2022, I was notified by XXXX and XXXX of my credit score decreasing by XXXX points due to a debt collection of {$100.00} for XXXX by a Debt Collector, MRS Associates XXXX XXXX XXXX I would like to point out that XXXX is " not '' my utility company.
Per my credit report, MRS Associates is located at XXXX XXXX XXXX, XXXX XXXX, NJ XXXX with a phone number of ( XXXX ) XXXX ; ( XXXX ) XXXX On XX/XX/XXXX XXXX and XXXX, I tried to contact them several times by phone at the numbers listed above and was kept on hold over 20 mts and then disconnected. No one was able to assist me, their phone system disconnects and asks to try again later.
I am very frustrated with what has happened and how they have reported negatively to the credit reporting agencies. I don't know who MRS Associates is nor have they contacted me previously either by mail, phone or email. They did not take the proper steps to notify me or discuss with me. I have incredible credit status with no negative information on it, and now due to MRS Assocaites, there is a negative scar on my report.
I hope we can clear this matter up as soon as possible and MRS is held accountable for false accusations against myself and my credit reporting status.
Thank you in advance for your time.
XXXX
|
| 09/15/2020 |
Yes |
- Debt collection
- Other debt
|
- Communication tactics
- Frequent or repeated calls
|
|
Web |
|
|
Call received : XX/XX/XXXX, XXXX XXXX - Text from : XXXX XX/XX/XXXX XXXX XXXX - Text from : XXXX XX/XX/XXXX XXXX XXXX - Text from : XXXX Dates and Times of Calls/Texts : XX/XX/XXXX, XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX Length of Call : N/A What is the number they called/Texted? _Already reported Was the number on the XXXX XXXX XXXX XXXX? Yes If so, when was it placed on the list? XX/XX/XXXX Robocal/Robotext? Yes, ( 3 ) Robotexts WAS THIS CREDIT/BILLING RELATED? YES ( Entitled to an extra {$1000.00} per text/call ) Autodialer? Yes Name of company : MRS ASSOC. aka MRS BPO , LLC.
Is the company representing someone? Yes If yes, Who? XXXX XXXX Website Given? No, website located through research If yes, what is the website? https : //www.mrsbpo.com/index.php Number given on website? YES If yes, what is the number? XXXX Verified? YES Friday XX/XX/XXXX, XXXX Email? NO, RESEARCHED TO FIND ON WEBSITE If so, what is the email? MRSCustomerService@mrsassociates.com Name of Operator/Sales Person/Supervisor : Initially on first/text call, What was said : Please Contact MRS Assoc. regarding a XXXX XXXX matter at XXXX XXXX XXXX XXXX. This is an attempt to collect a debt and any information will be used for that purpose. MRS is a debt collector.
|
| 05/14/2020 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt was paid
|
|
Web |
|
|
Hi, I was a XXXX internet user, my account number was XXXX.
I decided to discontinue the service from XX/XX/2020. I paid off all remaining balance and dropped off my equipment physically to a XXXX location. I was told by the representative that I was good to go. And I was not given any receipt, I trusted the person and left the store without any written documents that they received my equipment.
Despite returning the equipment I received a new statement on XX/XX/2020 from XXXX saying I owe them {$59.00} for unreturned equipment. I called their customer service ( Do not recall the date ) and they confirmed I owe them nothing and the statement was sent out as a mistake. I was told everything has been taken care of.
However, surprisingly I received a letter dated XX/XX/2020 from a collection agency named MRS Associates that I owe XXXX {$59.00}.
I called the XXXX to file a dispute and to resolve the issue, but the representative could not help me. In these circumstances, I made a payment of {$59.00} to XXXX over Phone using my credit card.
How can I resolve this matter without hurting my credit score? And steps can a consumer take to avoid such harassment?
I would like to file a formal complaint of negligence against XXXX.
Sincerely, XXXX XXXX
|
| 10/17/2020 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt was paid
|
|
Web |
|
|
I originally closed out XXXX and paid all of my bills plus return the equipment with proof in XX/XX/XXXX. I have names of who I spoke to verifying my account was closed appropriately with no debt owed. On XX/XX/XXXX I received a letter from MRS associates of XXXX XXXX. this letter states I owed {$89.00} to XXXX XXXX. I immediately disputed this in writing and sent a dispute letter certified mail on XX/XX/XXXX ( XXXX ) and confirmed receipt by MRS . I never received any correspondence in return. Today upon checking my mail I received a collection letter from a XXXX XXXX XXXX XXXX from Georgia. At this point I feel harassed with collections, and have received no response from either XXXX or the original collection agency. The debt is invalid, and I feel victimized having to spend more money to keep sending certified letters on an invalid debt. Also both collection agencies have my name spelled incorrectly, and I will provide it in the contacts so it matches. Please advise if there is anything I can do. Sincerely, XXXX XXXX XXXX XXXX Original Collection : MRS Associates of New Jersey XXXX XXXX XXXX XXXX XXXX NJ XXXX XXXX Subsequent Collection after failing to hear from my formal dispute as above : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX GA XXXX XXXX
|
| 02/19/2021 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt was paid
|
|
Web |
|
|
In XX/XX/XXXX I had a bill for internet service settled before I moved out of my apartment. I dropped off the modem and went to the XXXX XXXX XXXX/ XXXX store and asked working employees if I needed to clear anything else and they said no everything was taken care of. This included any charges and anything else.
Three years later in XX/XX/XXXX MRS associates and XXXX XXXX who are two different debt collection agencies are asking me to pay different amounts. MRS associates threatened that if I didnt pay within 40 days they could attack my credit.
I called XXXX when I received the email from MRS associates and they told me I owed money. I told them I was already disputing the amount I owed with MSR associates. XXXX said they were going to dispute it also but they said they would call back in three business days and they did not. They didnt have me on file for any charges and said it was waved but it showed I still owed money but couldnt find out what the charges were for and werent clear because everything was cleared?
I am not sure how I have debt with XXXX, XXXX XXXX and MRS accociates all at the same time for different amounts for something i never owed money on to begin with and am afraid that my credit will be attacked.
Please help me.
|
| 12/06/2018 |
Yes |
- Debt collection
- I do not know
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
Servicemember |
|
I contacted the company in XX/XX/2018 to notify them that this was not my debt. I spoke to XXXX who notified me that the SSN on the account did not match my SSN. I proceeded to ask how they could legally report this on my credit when it is not my debt. She asked me to send her a copy of my credit report showing that the debt is on there which I did. I called 2 weeks later to confirm receipt and she confirmed that they had received it and the dispute was processing. I called another week later and she stated that it was still processing and she had no idea how long it would take. I requested a copy of any information that she has to prove that the debt is mine yet I haven't received anything. I waited a month and called again and asked for a manager who basically said whoever I spoke to last shouldn't have spoke to me because the SSN on the account isn't mine. I explained to her that although it isn't mine it is still illegally reporting on my credit report and I am trying to buy a house. She said something was sent yesterday to me ( how coincidental ) about the debt. No one it helping me but they all agree that the SSN on the account is not mine and neither is the debt. The amount of the debt is only {$140.00}, if it were mine I'd pay it.
|
| 07/11/2023 |
Yes |
- Debt collection
- Credit card debt
|
- Communication tactics
- Frequent or repeated calls
|
|
Web |
|
|
The debt is from XXXX with the credit card company called XXXX XXXX. The credit card was to help with the medical assistance for my pet. When the pet passed away, I answered the phone and told them what happened and that I was also unemployed and could not make any payments at that time. I am still unemployed as of XX/XX/XXXX. They attempted to continue to contact me from XX/XX/XXXX to XX/XX/XXXX every single day. They did so from multiple different phone numbers as well but always left a voicemail. Then the began again on XX/XX/XXXX all the way up to XX/XX/XXXX multiple times a week ( within a 7 day period ) always leaving voicemails and calling from different phone numbers. After this, they continued to mail letters to my home. I attempted to contact them back via mail as of XX/XX/XXXX to settle the debt in some sort of way, but was refused a response. They just mailed me the same exact form again asking if I'd like to pay in full or dispute the debt. I have other creditors coming after me for the debt that I owe them while unemployed and do not want to take this to court. I have shown atleast once to twice a year that my circumstances have not changed and continue to stand the same as of XXXX when the original credit was taken out.
|
| 03/03/2020 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
I had a XXXX phone service for less than 2 weeks in XX/XX/XXXX. I cancelled it. XXXX said I have a XXXX balance. One month later a collection agency sends an email to me stating that I owe them {$83.00}. I called the collection agency and they said they had no idea why I would have a bill. They told me to call XXXX. XXXX took several transfer calls to reach a manager. They said I have no bill and it will go away. So I called the collection agency and notified them that I spoke with XXXX and there is no balance. The next month comes and I receive another email bill. I did the same thing all over again. On XX/XX/XXXX I received an email from XXXX that I have a credit due back to me of {$15.00}. XX/XX/XXXX I received an email from the collection agency saying that I still owe the {$83.00}. So I called them again and they said it is a timing thing and there is no balance. I told them I have spoken with them over 4 times on the phone over the course of several months and I want to file a complaint. They would not give me their address. They said they will note my account that I am upset with them. The collection agency is MRS Associates of New Jersey is a trade name of MRS BPO, L.L.C.
( XXXX ) XXXX. Please have them stop harassing me.
|
| 03/21/2022 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
The following collection account does not belong to me : *MRSBPO/Acct # XXXX - This is a collection account that I am unaware of and have requested validation from the creditor and no validation has been provided.
I have previously tried disputing this account on several occasions. The original creditor of this account is being reported as XXXX. I currently have an open and active account with XXXX that I am currently paying on-time. I don't have any other previous accounts with XXXX, nor is my account in a collection status. Furthermore, I wouldn't be able to continue my services with XXXX, if I owed a previous balance on a closed account that was sent to collections. This account needs to be PERMANENTLY REMOVED from my credit file.
If the collection company insists that I am the rightful owner of this alleged debt, please provide me with validation, proving that I in fact owe a balance to XXXX. Please provide me with the name and contact number for the original creditor, a breakdown of the balance I allegedly owe and the original contract that was signed. I would also like to be provided the first date of delinquency and the last activity date on this alleged debt to ensure this account belongs to me and is accurate.
|
| 07/23/2021 |
Yes |
- Debt collection
- Other debt
|
- Communication tactics
- You told them to stop contacting you, but they keep trying
|
|
Web |
|
|
MRS XXXX contacted me last year regarding an internet bill. The account had been with another agency prior to MRS . I asked that agency, in writing, to advise what the bill was for. They responded it was equipment that hadn't been returned. I had returned equipment and my bill reflected it, but did stated I had " other equipment. '' My question to them and to the first agency was " What equipment do I have. '' The proceeded to send the account to MRS XXXX. I paid to MRS XXXX what they showed was not for equipment and told them to send me details of what equipment I have so I know what to look for. They didn't. XX/XX/XXXX, I received a text message from MRS Assoc at XXXX " regarding a natter for XXXX. MRS is a debt collector. '' I responded at XXXX XXXX " Cease communication until you can tell me what equipment I have. This is disputed. '' Their text came from XXXX, Today, ( XX/XX/XXXX ) at XXXX XXXX I received a text " Please contact MRS Assoc at XXXX regarding a matter for Spectrum. MRS is a debt Collector. '' My response to them at XXXX XXXX " You ignore my written communication until you provide me with details as to what equipment I have? Isn't that in violation of the FDCPA? I will ask CFPB and FTC. ''
|
| 07/21/2017 |
Yes |
- Debt collection
- Other debt
|
- Communication tactics
- Frequent or repeated calls
|
|
Web |
|
|
Consistently for the past month I have had MRS Associates from Colorado calling me 5+ times a day from multiple numbers, ( XXXX ) XXXX, ( XXXX ) XXXX, and ( XXXX ) XXXX. At first, I would answer the phone calls and they would immediately hang the phone up. Then, I was extremely irritated by it and called them back one day after they hung up and spoke to someone to ask why they were doing that and they would not give me an answer. In the most recent conversation I had with a XXXX ( I think that is the correct name, not sure ) She would n't tell me why they had been calling me so much and hanging up. Just asked about me paying the {$110.00} and how I was going to pay it. I told them that I would not pay it if they did n't stop harassing me and I would n't have the money to make a payment for at least another month and to please stop calling until then. The very next day, I received a phone call from MRS Associates and I answered and low and behold, they hang up again. I 'm very tired of dealing with this and I need help with this. It is becoming very stressful and infringing on my time at work. They will not stop even though I have asked numerous times and told them I could n't do anything for at least a month.
|
| 03/25/2019 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
I received a text on my personal cell phone on thursday, XX/XX/2019, saying word for word : " Please contact MRS Assoc. regarding a XXXX matter at ( XXXX ) XXXX. This is an attempt to collect a debt and any information obtained will be used for that purpose. MRS is a debt collector. Further details have been mailed or emailed. Please review your email inbox, junk, or spam folder. Prefer to chat? Visit us at www.mrsbpo.com and chat with a representative. '' I received calls from MRS on XX/XX/2019 at ( XXXX ) XXXX and on XX/XX/2019 at XXXX ( XXXX ) XXXX. I will not pick up or respond to these calls or texts. My XXXX account was closed on XX/XX/2019, which is only possible to do when the balance is {$0.00}.
I have moved from the address the account was linked to ( remember, the account is now closed - and had no balance left when I closed it ) and have received no mail or e-mail regarding the supposed " debt '', which makes the attempted collection illegal. They are giving me no details of the debt and I will not respond to their texts or phone calls. MRS Assoc. should be fined and put out of commission. They need to stop harassing me for debt I do not owe and this should NOT show up on my credit report.
|
| 11/23/2022 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt was paid
|
|
Web |
|
|
I moved from XXXX XXXX, VA to XXXX XXXX, NJ on XX/XX/22.
On XX/XX/22 I cancelled my XXXX XXXX Account at XXXX XXXX XXXX. XXXX XXXX XXXX XXXX, VA XXXX.
On XX/XX/22 I return my router to the verizon store in XXXX XXXX, NJ. I asked the salesperson if I have anything left to do and they told me " You returned your router and all your bills are paid, you are good to go '' On XX/XX/22 I get a letter in the mail from MRS BPO , LLC. This letter said I owned {$82.00} to XXXX internet for unpaid bills.
On XX/XX/22 I check my credit score. My credit score dropped XXXX points from XXXX to XXXX. I have never been late paying a bill in my life.
On XX/XX/22 I called MRS BPO , LLC to try to resolve this mistake and on the phone it said my account was closed with XXXX XXXX.
I am extremely upset becasue I was told that I did not have any outstanding balance and now my credit is ruined, when I was planning to buy a house. Something needs to be done to fix my credit score as this violates my consumer rights and as a current attorney barred in the state of New Jersey and Washington XXXX DC am prepared to file a suit via arbitration and submit this complaint to every other agency that has authority over this issue.
|
| 02/12/2020 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt was paid
|
|
Web |
Older American, Servicemember |
|
XXXX advanced me money for use in my business around XXXX. I sold the business and the new owners were to repay the debt as part of the deal. They closed the business in XXXX. In XXXX XXXX reached out to me and said I have an outstanding balance of {$1900.00}. I explained that it was supposed to have been paid by the new owner and I would contact them about it. In XXXX XXXX reached out to me about the debt and by that time the people I had sold the business to were long gone. I tried for a couple of months to get ahold of them. XXXX continued to reachout to me and I told XXXX that I would take care of it and in XX/XX/XXXX I started making payments on it. XX/XX/XXXX made the final payment of {$1500.00}. ( I have the bank records to prove it ). In XXXX ( XX/XX/XXXX ) I received a letter from MRS BPO , LLC, with the acount # XXXX asking for payment of $ XXXX.for XXXX.I called them and said it had been paid and never heard from them again. Now I have just recieved a 1099-C for the amount of {$1700.00} saying its for XXXX and is charged off and I need to declare it on my taxes. This is not right. I paid my bill and should not have to declare this. I have the bank records that show payment to XXXX in full.
|
| 02/03/2021 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt was paid
|
|
Web |
|
|
I was applying for a home loan and found out that I had a debt with " MRS Associates '' that was in collections. I did not recognized this debt. I contact them to find out about it and they said it came from XXXX XXXX. Even though I knew and communicated with them that I had already closed my account with XXXX XXXX due to relocation, I didn't have supporting documents so I decided to pay the amount they claimed I owed as I needed that report removed from my account to be able to get my home loan approved. That was back in XX/XX/2020. I filled out a dispute so the report was removed from my credit report which they did. Now, I am trying again to get a home loan and the loan company is asking me for a letter where states that this account was paid and deleted, but when I reached out to MRS associates they wont provide me with any information. No statement, no letter, nothing. I am stuck right now because the loan will be approved with higher rates due to this report and MRS is not giving me options. I don't know where or who to contact anymore. I have reached out to different phone numbers and they cant help me. The last associate I spoke to " XXXX '' was horrible and wouldn't give me any options
|
| 06/23/2021 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Problem with a credit reporting company's investigation into an existing problem
- Their investigation did not fix an error on your report
|
|
Web |
|
|
MRS BPO LLC reported a XXXX Account to the credit bureaus against my information. I have contacted XXXX fraud team who has investigated this and informed MRS BPO of the fraud. An original CFPB complaint was entered on XX/XX/2021 for this initial situation XXXX.
MRS replied to the original complaint that they had resolved the issue and notified the credit bureaus to delete the collection from my credit report. A dispute was also filed with XXXX concerning this collection.
On XX/XX/2021, I was notified by my credit monitoring service that the collection was reported again for XXXX after it was deleted in XXXX. I contacted XXXX about this and they have informed me that MRS has continued to assert that the debt is mine. MRS continues to ignore the information provided to them by XXXX XXXX concerning this fraudulent account. I have made multiple attempts to get this resolved with MRS but I was told by one individual that I would have to go back to XXXX to clarify this and by another individual that this account is still with MRS and denied having received anything from XXXX. This is in direct conflict from the prior case resolution from MRS and the information I am being provided by XXXX.
|
| 04/20/2019 |
Yes |
- Debt collection
- Other debt
|
- Took or threatened to take negative or legal action
- Threatened or suggested your credit would be damaged
|
|
Web |
Servicemember |
|
Earlier this month i saw a new collecrions on my account from XXXX XXXX and i never opened an account, nor had service from them.
Today XX/XX/19 I called XXXX XXXX and i was directed to finance, the women I spoke to took my name and asked me to hold. She then came back on the line and asked me my code, ive never had a code, so she asked what city I lived in and shesaid thats not the town, i said listen lady ive never had an account and she saud well its your name but you cant provide me with the correct information so take it up with thecollection agency. I saud there should be not be in a collection agency lady, your prior employee couldnt find my ss # in your system but you found my name, so why do i have it in collections under my ss #? She said she couldn't help me so, i yelled im turning you into consumers protection and youll pay for the damages then! I recently started a busuness and this is hurting my ability to get new equipment. I want monetary relief in the amount of XXXX for the machine i coukd not purshave due to XXXX XXXX negligence and this taken off my account asap. Please get back to me as soon as possible. ( XXXX ) XXXX my names XXXX XXXX and i own XXXX XXXX. Thanks.
|
| 04/23/2021 |
Yes |
- Debt collection
- I do not know
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
Last month, I received a notification from XXXX that there was a debt collection agency indicated on my account, which significantly decreased my credit score. There was no prior notification of any kind sent to me in writing, by email, or by phone by any debtor. I called the collection agency, but they were unable to give me any information, as I have no account number to give them as a reference, since I never opened this account. They were unable to match my name with the amount reportedly owed on my credit report as well. The crediting reporting agency does not reveal the full account number. Upon disputing the item with XXXX twice, I learned that the item originated from XXXX, with whom I have not opened an account. This item has to be either fraudulent or placed on my account in error. Upon further investigation, I also noticed that an unauthorized inquiry was placed on my account last year in XX/XX/2020 from XXXX. I havent had any luck getting any information from the collection agency of any kind to document my authorization of any opened account. Furthermore, there are no documents ( contracts, letters, bills ) of any kind for me to attach because I did not open this account.
|
| 02/07/2020 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
My husband, XXXX XXXX, has an account with XXXX XXXX XXXX. I do not have an account with XXXX XXXX XXXX. He had discontinued wifi service with them on XXXX. They've continued harrassing him with bills for continued wifi service which he did not have and for equipment ( router ) they wanted returned to them that he purchased from XXXX XXXX XXXX about 2 years ago ( they were claiming the router was leased which it was not, my husband purchased it ). He filed a complaint on XXXX with the XXXX XXXX XXXX of XXXX XXXX, GA against XXXX XXXX XXXX. The XXXX contacted XXXX on XXXX with his complaint. XXXX XXXX XXXX sent to my cell phone ( XXXX XXXX - XXXX ) a collection text message with the following message " please contact MRS Associates regarding an XXXX XXXX matter at ( XXXX ) XXXX. This is an attempt to collect a debt and any information obtained will be used for that purpose. MRS is a debt collector. '' The text message was sent from a number as follows : ( XXXX ) XXXX. I do not have an account with XXXX, so this collection text message sent to my cell phone was very possibly for an account belonging to my husband, XXXX XXXX, and not me. I am nowhere listed on his account with XXXX.
|
| 12/28/2021 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt was result of identity theft
|
|
Web |
Servicemember |
|
I noticed a delinquent account on my credit report for MRS Associates due to XXXX XXXX XXXX mobility.
I contacted MRS Associates on XX/XX/XXXX and was informed they are a debt collection agency trying to collect a debt from a closed XXXX XXXX XXXX mobility account. Details for the account were given and are as follows : XXXX XXXX XXXX account closed on XXXX XX/XX/XXXX for balance of XXXX Account number of XXXX Number tied to account was XXXX Address for account was XXXX XXXX XXXX XXXX, TX XXXX I spoke with XXXX and was given a call back number of XXXX On XXXX XX/XX/XXXX, I then contacted XXXX XXXX XXXX to report the fraud/identity theft. I submitted a form on att.com/fraudinquiry.
-- - I have never had a XXXX XXXX XXXX account. I have never sponsored anyone to open an account. I do not live, nor have I ever lived at the address for the account.
I am a XXXX employee and my social was compromised in a data leak from XXXX. I have always paid my debts and did not have any delinquent accounts on my credit reports. I am looking to have this debt erased and report removed from my credit report.
Please contact me on my cell phone at XXXX. Thanks for your help.
XXXX XXXX XXXX
|
| 01/25/2023 |
Yes |
- Debt collection
- I do not know
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
Older American |
|
This company sends multiple texts each and every day for a debt never owed. I live alone. I am a XXXX senior who has never ever had cable or internet service at home save for my mobile phone. These folks refuse to provide any proof debt is owed. ( It's not ) They refuse to stop harassing with multiple texts/calls per day. They have been sued multiple times but apparently that has no effect on them continuing to try to collect a bogus debt.
Name : MRS ASSOCIATES Organization : MRS ASSOCIATES XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
|
| 07/15/2022 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
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XXXX XXXX stolen by XXXX.
XXXX is asking me to pay them {$1900.00} when they owe me {$2600.00} From below : ( XXXX XXXX XXXX ; XXXX, XXXX ( 2020 ). ) Misdemeanor Theft A person who steals property or services valued at {$1500.00} or less commits a misdemeanor, punishable by up to 12 months ' jail time and a {$1000.00} fine. If an offender receives a sentence of six months or less, the judge may allow the offender to serve the sentence on weekends or during non-working hours.
Georgia allows any owner of stolen personal property ( not just retail merchandise ) to bring a civil action for damages against the offender.
Before filing the civil action in court, the property or store owner must send the offender a written demand and give the offender 30 days to pay the following amounts : compensatory damages for the value of the property and any other losses incurred from the offense, and exemplary ( punitive ) damages in the amount of {$300.00} or triple the value of the loss, whichever is greater.
If the offender doesn't pay within 30 days, the property or store owner can seek the above damages, plus attorneys ' fees and costs, in court. ( XXXX XXXX XXXX ( 2020 ).
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| 01/28/2023 |
Yes |
- Debt collection
- I do not know
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- Attempts to collect debt not owed
- Debt was result of identity theft
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Web |
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On the day of XX/XX/2022 a Debt Collection Agency called : MRS XXXX XXXX XXXX XXXX has by way of fraud, engineered a debt in the amount of {$79.00}. notice this alleged debt is in the positive amount as if they are claiming to owe a credit, yet want someone to send them money for no reason.
This debt collector is using a name similar to mine which is identity theft. debt collector MRS is also using a po box address which is a non contracting venue to send post to my private location for racketeering purposes.
I will now need the following from this unknown debt collector : 1. A legal contract with my wet ink autograph and MRS wet ink autograph showing a legal bind between both.
2. A true bill claiming i owe them such funds and/or debt. 3. A s
igned contract with my wet ink signature where i allow them to use my name no matter the spelling to sell information to credit bureaus.
4. If they are debt collectors which allegedly bought a debt from another legal fiction corporation, show me of a contract and the paperwork for him much they purchased the debt and any transactions binding me name. 5. Show me of a license to operate in the territory and state of texas.
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| 02/25/2021 |
Yes |
- Debt collection
- Other debt
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- Attempts to collect debt not owed
- Debt was paid
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Web |
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XXXX company had disputed a past bill with me back in XX/XX/XXXX. The problem was the company was trying to over charge me after I had canceled services with them. During the time of the dispute the company stated in XX/XX/XXXX that the account was settled and I was no longer in debt with them. Now four years later from having the services XXXX submitted to another company called MRS a report to collect a debt from me on a matter that there company had already disputed. MRS BPO , LLC XXXX XXXX XXXX, XXXX XXXX, NJ XXXX ( XXXX ) XXXX. Provided an account number XXXX XXXX for the amount of {$350.00}. As I have stated to the company it seems to be a scam going into affect because I had already disputed the account years ago and it was no longer a matter with me pertaining to a balance owed but ; after years passing it has come back up on the radar. This matter should have never went outside of XXXX my last conversation with the company was about the bill and it was handled in a timely matter to the point it was no longer an issue. It was removed off my credit report and now years later it appears back as if this was never handled by the consumer themself XXXX.
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| 08/14/2022 |
Yes |
- Debt collection
- Other debt
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- Attempts to collect debt not owed
- Debt was paid
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Web |
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I had an XXXX account that I closed due to my moving. The account was paid in full with XXXX and never went to collections. I checked my consumer report and saw that a debt collection agency reported this false information to my report. I reached out to the collection agency directly by phone to straighten out the false information but they refused to remove it from my report. I asked them for the account number and they didn't have XXXX. They have the last XXXX digits showing on my credit report as XXXX. I have a recording with XXXX stating that they don't work with this debt collection agency and that my account was never sent to collections.
ACCOUNT # XXXX AMOUNT : {$180.00} Last payment received : {$82.00} on XXXX Date account closed : XXXX Agent Name : XXXX XXXX XXXX # XXXX Agent Department : XXXX XXXX Agent Name : XXXX XXXX I.D . # XXXX XXXX department : XXXX XXXXXXXX XXXX was the first agent I spoke to and gave me the account number, amount, and date of payment. She transferred me to the accounts receivable department and I spoke with XXXX who confirmed everything and informed me that they ( XXXX ) do not work with the debt collection agency.
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| 12/07/2023 |
Yes |
- Debt collection
- Auto debt
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- Attempts to collect debt not owed
- Debt is not yours
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Web |
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Last year in XXXX, I was car jacked by two XXXX men at a gas station in XXXX XXXX, Illinois. My car was stolen. I immediately called XXXX and they tracked the suspects down in a forced stop. My car was totaled. However, once my car was retrieved. XXXX XXXX , XXXX in XXXX XXXX was not very nice to me. They would not let me get my things out the car or even look at the damages. Earlier that year about a month before my car needed repairs. I purchased my car at XXXX in XXXX Indiana and the Manager lied against me and would not make the necessary repairs to my car before I was car jacked. XXXX collected my car with out my knowledge after the car jacking, repaired the damages to the vehicle from the force stop and sold it to another buyer. XXXX said I voluntarily surrendered my car back to them. I did not surrender my car. I never had a conversation with XXXX or the collection agency MRS BPO , LLC. Unfortunately, I had a bad year in XXXX and XXXX. I could not contact anyone because I was XXXX and XXXX for 1yr. I do not owe this debt or remaining balance that is owed on this car. It's a XXXX XXXX XXXX. The suspects are currently in XXXX and awaiting XXXX.
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| 04/02/2018 |
Yes |
- Debt collection
- I do not know
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- Attempts to collect debt not owed
- Debt is not yours
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Web |
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I sent a dispute letter asking this company to validate this debt they say I owe on XX/XX/2018. They received the dispute letter XX/XX/2018 at XXXX. In the letter it states the following : Pursuant to Section 809 ( b ) of the Fair Debt Collection Practices Act : If the consumer notifies the debt collector in writing within the 30-day period described in subsection ( a ) that the debt, or any portion thereof, is disputed, or that the consumer requests the name and address of the original creditor, the debt collector shall cease collection of the debt, or any disputed portion thereof, until the debt collector obtains verification of the debt or any copy of a judgment, or the name and address of the original creditor, and a copy of such verification or judgment, or name and address of the original creditor, is mailed to the consumer by the debt collector.
After they received my dispute letter they flagged my credit report again as a collection account. In states that all collection activity is to cease until they validate this account and proof it is mine. They did not abide by the law.
Please pay attention to all the dates on my attachments.
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| 01/09/2022 |
Yes |
- Debt collection
- Other debt
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- Attempts to collect debt not owed
- Debt was result of identity theft
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Web |
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I received a call on Monday, XX/XX/2022 and missed it. Upon looking up the phone number, I realized it was a collections company. Having dealt with their tactics 6 months prior in regards to identity theft on my wife, I immediately called MRS Associates back. I was advised of an outstanding balance due under my name and social security number for XXXX XXXX. I advised them this was identity theft and that I have never opened an account with XXXX, nor have I ever lived in Texas, which is the address on the account. MRS Associates advised me that I needed to file a police report stating as such and email to them. I submitted the requested documentation, including the police report, placed a fraud alert on my credit file, and still MRS Associates attached a delinquency on my credit account with all 3 major bureaus. I maintain a credit score over XXXX and now have wasted hours of my time and lost over XXXX points on my credit score because of their dishonest tactics when I was very transparent with them. XXXX XXXX XXXX XXXX is a collaborator with the criminals in these situations in allowing accounts to be opened without proper verification.
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| 01/14/2018 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
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- Incorrect information on your report
- Account information incorrect
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Web |
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MRS BPO out of no where caused my credit to go way down. I have never even been contact by them, unless all the fake bill collectors that have harrased me such as XXXXXXXX XXXX XXXX The XXXX XXXX or XXXX, which have all threatned me in one way shape or form. Anyway I was under the impression by XXXX XXXX XXXX like about 6 years ago that they were investigating somethings and said they would be in touch. They said they would validate the bill, and they had all my info including my email, so when I never heard back I thought it was taken care of and then 6 years later bang, out of no where my credit gets attacked.
I never heard back but today out of no where MRS BPO files something with the credit bureaus going against my credit. I had no idea of their involvement, the bill was never validated and now all my hard work on my credit has suffered. Is n't a company supposed to validate a bill and contact you before taking such measures? I believe my credit right have been violated, please do something about it and make the take that off my report. I have filed a dispute with experian and asked them to send it to the other credit agencies.
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| 01/21/2022 |
Yes |
- Student loan
- Private student loan
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- Dealing with your lender or servicer
- Received bad information about your loan
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Web |
Servicemember |
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I received text messages and phone calls from MRS BPO LLC about a collections balance. The offered me a settlement of {$3700.00} to pay off a balance for XXXX XXXX XXXX student loan account that was in collections. XXXX XXXX told me that I had until the XXXX of XX/XX/XXXX to pay the balance. XXXX XXXX XXXX XXXX lend me a loan for the balance to be paid. After the balance was paid XXXX said that XXXX XXXX would be notified that the balance was paid in full. After several attempts to contact XXXX I finally got in touch with a representative today XX/XX/XXXX, and she said that she had not heard of the company MRS BPO LLC and that they may have had me pay a balance of a loan, that had already been removed from my credit. One of the loans was removed from my credit in XXXX when I appeared in court. The representative had been believing that I was paying a collection balance that was " currently '' reporting on my credit from XXXX XXXX. Instead this company had me pay a balance that I was no longer obligated to pay and had already been removed from my credit. I want my money back and this business to be reported for bad business.
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| 02/02/2021 |
Yes |
- Debt collection
- Other debt
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- False statements or representation
- Attempted to collect wrong amount
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Web |
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XX/XX/22 @ XXXX called MRS associates to discuss collection notice on my account. I asked if payment were to be made if it would be removed from the credit report. I was told that they report to the credit bureaus every 30 days. I also advised I would need a letter stating that the debt had been cleared and that it would be removed from the credit report. I was told a " release of debt letter '' would be sent.
The XXXX agent omitted the fact that the letter would not include the language I had requested and did not indicate that, as I was told later on, no " pay for delete '' would be possible.
I believe that they were deceitful in their attempts to obtain payment and lied by omission.
Further, XXXX confirmed this was sent to straight to collections. I was not given an opportunity to make good on my debt. I still have an account with XXXX for Internet services. No billing indicated I was delinquent and service was never cutoff. Further, they have record of our transfer service request with our new service address.
In follow ups with XXXX XXXX, repeatedly told it would be removed from Credit and yet no follow ups.
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| 01/22/2020 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
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- Incorrect information on your report
- Information belongs to someone else
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Web |
Servicemember |
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XXXX XXXX XXXX Opened XX/XX/XXXX Balance is {$470.00} Original creditor XXXX XXXX XXXX XXXX XXXX XXXX Opened XX/XX/XXXX Balance {$2600.00} Original creditor : XXXX XXXX XXXX XXXX XXXX Opened XX/XX/XXXX Balance {$1000.00} Original creditor : XXXX XXXX XXXX XXXX XXXX XXXX XXXX Opened XX/XX/XXXX Balance {$640.00} Original creditor : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Opened XX/XX/XXXX Balance {$300.00} Original creditor : XXXX XXXX XXXX XXXX XXXX XXXX A My information was stolen and sold on the black market. My credit has been ruined and I am having an extremely hard time getting these accounts that arent mine off my report. Ive been trying for ten years to take care of this and it seems to do no good. Ive filed reports/complaints about my identity being stolen and nothing has came from it. Ive put freezes, and flagged my credit but I have all these new things keep popping up that are not mine. Someone even filed for unemployment in my name with my info and has tried to file my taxes to get my return. I have quiet a few inquiries on my credit that arent my doing and these accounts that arent mine. Please help!!!
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| 09/12/2017 |
Yes |
- Debt collection
- Auto debt
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- False statements or representation
- Attempted to collect wrong amount
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Web |
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Hello. OnXX/XX/XXXX I returned a leased car over to XXXX XXXX XXXX XXXX and took another lease in exchange. It was a trade in. I entered into a new leasing agreement still in effect. I was told by the salesperson ( XXXX XXXX ) that since I was taking another car from the same dealer I did not have to pay any amount for returning the car to the dealer before the end of the lease.
OnXX/XX/XXXXXX/XX/XXXX ( 14 months later ) I received a letter from a collection agency trying to collect a debt of {$800.00}. When I contacted them they told me that I owe that amount to XXXX because I returned my car before the end of the lease. I went immediately to the XXXX dealer and the Salesperson ( XXXX XXXX ) and the Manager ( XXXX XXXX ) both informed me that it was a mistake that XXXX made, they processed improperly the trade in paperwork and that 's why XXXX was charging me with that amount, but since that account was closed and sold to a collection agency they had nothing to do, meaning to say that the problem that they created is now mine and that I have to find a solution for something that they did wrong on their side.
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| 01/10/2022 |
Yes |
- Debt collection
- Other debt
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- Attempts to collect debt not owed
- Debt is not yours
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Web |
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XXXX found that MRS Associates claimed I have a delinquent loan with XXXX for {$120.00} XXXX checked all 3 credit unions- found this was on my credit scores with XXXX and XXXX and disputed both claims given the following : I had not received written proof of this debt from either XXXX or MRS Associates. My XXXX account did not reflect this money owed.
XXXX attempted contacting MRS Associates , was put on hold and kicked off the line multiple times XXXX XXXX deleted it from my credit score as it found I was not responsible for the debt/it was not correct XXXX XXXX found I owed money to MRS Associates XXXX
XXXX Called MRS Associates XXXX They said they did not get notice that XXXX removed this from my credit report. They said they would dispute it with XXXX, and would send written proof should XXXX find I owe this money XXXX Called XXXX- determined it was an error on their part due to my moving in XXXX, and their not transferring information about equipment.
XXXX Filed complaint with CFPB. As of this date I have still not received written proof from either XXXX or MRS associates that I owe this money.
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| 10/29/2020 |
Yes |
- Debt collection
- Other debt
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- Attempts to collect debt not owed
- Debt is not yours
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Web |
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MRS Associates have added a collections notice to my credit report in the amount of {$1000.00} for XXXX. They state that I had this product in Alabama and I have never lived in Alabama nor I have I ever stepped foot in Alabama. I have sent them several letters stating this that I can prove that I have lived at my current address for 27 years in XXXX XXXX, PA. I have never received billing for XXXX! This is an identity theft issue and I want this resolved asap as it's affected my credit score I've worked hard to build. I gave them a week 2 times to get it off my credit report with no avail! I've been in contact with a lawyer. MRS Associates has yet to send me any paper work regarding this issue! Please help me!!! All billing at my current address is in my husband 's name and our cable/internet provider has been XXXX XXXX. Never even heard of XXXX! XXXX can't close the dispute because MRS said it's valid but they won't prove anything that it's my debt! I refuse to pay for something that I never had! Can you please help me get this off my credit report? I would appreciate any help you can give me! Thank you XXXX
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| 05/03/2023 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
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- Incorrect information on your report
- Information belongs to someone else
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Web |
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XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX 15 U.S. Code 1681c-2 A consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt. It has been 30 days and you are in VIOLATION of this law because I am a victim of identity theft!! Please delete these items IMMEDIATELY!
These accounts should not be furnished on my consumer report as they are in VIOLATION!!! Under, 15 U.S. Code 1681b-Permissible purposes of consumer reports ( a ) IN GENERAL Subject to subsection ( c ) any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the WRITTEN INSTRUCTION of the consumer to whom it relates. I NEVER gave any consumer reporting agency WRITTEN INSTRUCTION to report anything on my consumer report which violates my rights as a federal pro consumer. NO CONSENT IS IDENTITY THEFT. As a consumer I am demanding the deletion of negative accounts listed IMMEDIATELY!
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| 10/04/2016 |
Yes |
- Debt collection
- Other (i.e. phone, health club, etc.)
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- Disclosure verification of debt
- Not given enough info to verify debt
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Web |
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I recently received a bill from XXXX stating a Previous Balance of {$470.00}. However, I am not a XXXX customer. I had XXXX Long Distance service at a previous address prior to XX/XX/XXXX, but XXXX does not offer Long Distance service in IL. I called XXXX and repeatedly tried to get someone to help me identify these charges, but no one there was able to access my account, as it was closed in XX/XX/XXXX ( I spent 4 hours on the phone, calling numerous departments, but no one could find anything ). I tried tweeting, I tried online chat ... no help. As such, I do not know what this bill is for, and I think XXXX was charging me for services I did not receive ( I was an XXXX LD customer from XX/XX/XXXX to XX/XX/XXXX, and am XXXX now ). This bill is the first correspondence I have had from XXXX for 5 years -- I have not had a bill or anything from them in that entire time, so this is a surprise.
XXXX then reported me to a credit bureau, MRS . I put this in dispute with them, and all they were able to provide me with was the statement XXXX sent me -- no bills, no details on what this Previous Balance is for.
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| 05/27/2015 |
Yes |
- Debt collection
- Other (i.e. phone, health club, etc.)
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- Cont'd attempts collect debt not owed
- Debt was paid
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Web |
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The disputed charges stem from disconnecting my service with XXXX because I was moving when I resided in New Jersey in XX/XX/XXXX I received a bill and I have made numerous attempts to receive clarification as to what I 'm being charged for. On XX/XX/XXXX, I spoke with XXXX from XXXX and she did not know what it was. I received XXXX notices from debt collection agencies and I demanded a verification of the debts, which no one has responded to. On XX/XX/XXXX, I spent over XXXX hours on the phone with XXXX agents, including XXXX, XXXX, XXXX, XXXX and XXXX with no resolution. I have copies of all of the letters and notes regarding my communications with XXXX and its agents. I have spoken with XXXX from XXXX and he explained that the debt was for my failure to return a card and an early termination fee. I then sent XXXX proof that that I have sent them the equipment that they claim that this debt is related to. This debt has been reported to the credit bureaus in clear violation of the FDCPA. XXXX and its debt collectors have erroneously reported this debt on my credit and I demand its immediate removal.
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| 09/07/2022 |
Yes |
- Debt collection
- Other debt
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- Written notification about debt
- Didn't receive notice of right to dispute
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Web |
Older American, Servicemember |
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I changed phone service from XXXX to XXXX on XXXX XXXX and paid a final bill. I was made aware of another final bill the first part of XXXX for XXXX. I called XXXX on XX/XX/2022 and talked for 16 minutes and the person I talked to said she adjusted the account and there would be no final bill. I got another notice from XXXX that there was a final bill for XXXX, so I called again on XX/XX/2022 and talked for 34 minutes and again was assured there was no final bill, now on XX/XX/2022 I received a collection notice from MRS account number XXXX for the amount of {$89.00}. I called XXXX on XX/XX/2022 and talked for 13 minutes, but now they said they can not help me. If I owed a final final bill I would have paid it, this matter should never have gone to collections and ruined my credit rating, I want this matter resolved, I was told twice that I had no final bill, I was with XXXX for over 15 years and was never late with a bill, now after changing phone carriers they send me to collections for a final bill that was fixed twice before by to different XXXX customer service associates. Very poor service!
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| 01/19/2023 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
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- Improper use of your report
- Reporting company used your report improperly
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Web |
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This letter is being sent to you in response to the account furnished in my Report. When asked, your office replied that the dispute regarding the validity of the debt is not raised within the prescribed time period therefore, the same is furnished in your Report. According to 15 USC 1692a. ( 5 ) The term " debt '' means any obligation or alleged obligation of a consumer to pay money arising out of a transaction in which the money, property, insurance, or services which are the subject of the transaction are primarily for personal, family, or household purposes, whether or not such obligation has been reduced to judgment. Further according to 15 USC g. ( c ) The failure of a consumer to dispute the validity of a debt under this section may not be construed by any court as an admission of liability by the consumer Therefore, I would like to inform you that this debt is not valid and my failure to dispute the validity of the debt will not amount to an admission of liability. I further request you to kindly remove this alleged debt from my Report Thank you for your cooperation Sincerely XXXX XXXX
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| 09/07/2017 |
Yes |
- Debt collection
- Other debt
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- Attempts to collect debt not owed
- Debt was paid
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Web |
Older American |
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On XXXX XXXX, XXXX, we paid our XXXX phone billed and cancelled our service with XXXX. We switched to XXXX XXXX, who provided us with new phones upon trade in of our old phones. In XXXX of XXXX, we got a bill via email from XXXX that we owed {$360.00} that we declined to pay because we had cancelled our service with XXXX and paid our last bill.
In XXXX XXXX, after receiving two missed calls and making two attempts to contact XXXX unsuccessfully, I later received a bill from XXXX in XXXX that we owed {$790.00}. There was no invoice attached or statement of phone usage ( because there was none ), but only a sheet of paper with the words in bold red letters : " ... .here 's your bill for this month. '' I 've written XXXX twice trying to get an explanation of why they insist I now owe them {$790.00}, since I cancelled service last XXXX. Since then, I 've received two collection letters from two different collection companies. The latest one is now stating that we owe {$860.00} And they have also put this on my credit report.
I have a feeling that we are not the only ones XXXX has done this to.
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| 06/06/2023 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
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- Incorrect information on your report
- Information belongs to someone else
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Web |
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15 U.S. Code $ 1681c-2 a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt. It has been 30 days and you are in VIOLATION of this law because I am a victim of identity theft!! Please delete these items IMMEDIATELY!! These accounts should not be furnished on my consumer reports as they are in VIOLATION under, 15 U.S. Code 1681b -Permissible purposes of consumer reports ( a ) IN GENERAL. Subject to subsection ( c ) any consumer reporting agency may furnish a consumer report under the following circumstances and no other ( 2 ) In accordance with the WRITTEN INSTRUCTION consumer to whom it relates. I NEVER gave any consumer reporting agency WRITTEN CONSENT to report anything on my consumer report which violates my rights as a federal protected consumer. NO CONSENT IS IDENTIY THEFT. As a consumer Im demanding the deletion of the accounts listed IMMEDIATELY! XXXX XXXX {$230.00} and XXXX {$520.00}
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| 08/19/2020 |
Yes |
- Debt collection
- Credit card debt
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- Attempts to collect debt not owed
- Debt is not yours
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Web |
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I requested kindly that MRS ASSOCIATES provide legal documentation regarding information transmitted to the credit reporting agencies for me. With regard to the asserted account XXXX. I am asking for a contract between myself and MRS ASSOCIATES. I hereby request that your company delete this account from my credit report and stop all contact with me. Pursuant to the Fair Dept Collection Practices Act, 15 U.S.C. section 805. You are hereby notified to CEASE AND DESIST all further communication with me in regard to the referenced debt. MRS ASSOCIATES is trying to collect on a account and enforce a claim that I do not recognize ever doing any business with XXXX XXXX. Should you not be able to provide such lawful documentation during this reasonable period, any information communicated by MRS ASSOCIATES should not be deemed truthful and may bespeak your disregard for consumer protection statuses. Please delete this fraudulent account at once. I also had a fraud account from MRS ASSOCIATES for account XXXX as I have never had an account of done any business with his company.
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| 03/15/2023 |
Yes |
- Debt collection
- I do not know
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- Attempts to collect debt not owed
- Debt is not yours
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Web |
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Received multiple phone calls since XXXX from XXXX. When I returned calls someone named XXXX XXXX answered and asked for XXXX XXXX. XXXX is my mother who is deceased since 1993. I was very upset and asked this woman what " personal business matter '' she could possibly have with a woman dead XXXX years? She refused to tell me anything but they called my cell number? My concern is if this is a collection call it must be due to fraud because no one collects debts from XXXX years ago. When I tried to explain this to XXXX XXXX she refused to tell me anything. I want this company investigated because this is likely due to criminal behavior. The company is evidently a debt collection agency which purchases old debts. They should NOT be contacting me or harassing me when my mother is deceased since XXXX. This is predatory and abusive practice if I ever witnessed it. Calling a relative of a deceased person to harass for debt must be a violation of FDCPA. This is the contact information on their website : MRS-BPO XXXXXXXX XXXX XXXX XXXX XXXX NJ XXXX https : //portal.mrsbpo.com/
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| 07/13/2018 |
Yes |
- Debt collection
- Private student loan debt
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- Attempts to collect debt not owed
- Debt was already discharged in bankruptcy and is no longer owed
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Web |
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XXXX XXXX XXXX aka XXXX XXXX XXXX ( XXXX/XXXX ) was included in my Bankruptcy that was discharged on XX/XX/11 and additional loans were also " Charged Off '', but to date, they keep sending my name to " Collection Companies ''. I am constantly harassed and taunted by several different collection agencies until I send them copies of the Court ordered document ( s ). This company is relentless and is tarnishing my credit scores by sending my name to different collection agencies, ( Erroneous/false reporting ). The collection agencies are blindsided because they are not aware of the Bankruptcy and/or charge off until I provide them with proof of documentations. This company must be stopped from tarnishing and/or shredding consumers ' credit by trying to get paid by any means necessary - especially when they have been included in a bankruptcy that was discharged and/or in charge off status. I received correspondence from MRS BPO , LLC stating that I owe {$11000.00} plus of a Co-signed loan - which I included in my bankruptcy - Last correspondence was XX/XX/XXXX.
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| 06/03/2019 |
Yes |
- Debt collection
- I do not know
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- Attempts to collect debt not owed
- Debt is not yours
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|
Web |
Servicemember |
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I received a missed call from XXXX at XXXX on XX/XX/2019. I returned the call 10 minutes later. A robot answered and asked if I was ******* *********, press " 1 '' for yes. I pressed " 1 '' for yes. Then I was transferred and a gentleman answered the phone, said this was MSR Associates and asked me why I called. I said I just missed a call from this number. He asked me if the call that I missed asked me for me by name. I told him it didn't but when I called back it asked me to confirm my name was ******* **********. He said great now can you tell me your address to verify your identity. I said no, I do not know who you guys even are, who are you? He said that is was okay to not verify but that we can no longer proceed and then he hung up.
I then researched the company and found out it was a collection agency. They did not tell me that during the phone call. I researched further and went into my credit reports and found nothing in my credit reports. I checked XXXX and XXXX. That leads me to believe that they are attempting to collect money I do not owe.
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| 01/24/2024 |
Yes |
- Debt collection
- Telecommunications debt
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- Attempts to collect debt not owed
- Debt was result of identity theft
|
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Web |
Servicemember |
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The first notice of the fraudulent debt was through a collection action on my credit report. I have received no other notices of this debt, which is fraudulent debt. The collection agency MRS BPO filed the collection action with the credit bureaus, but the debt originated with XXXX XXXX XXXX. I havent done business with XXXX XXXX XXXX for over 10 years. I have received nothing from XXXX XXXX XXXX or MRS BPO notifying me of this account or debt prior to it appearing on my credit report. How is this possible that a derogatory comment can be added to my report without some evidence that an attempt to collect the debt from my valid mailing address, email address or phone number has been made? This isnt consumer protection. As stated, I have not received any notice in any form about this debt nor did I enter into any business agreement with XXXX XXXX XXXX. About the time this fraudulent debt was incurred, XX/XX/2023, an erroneous new address was added to my XXXX credit report. I immediately notified them that the address was not valid now or at any time.
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| 08/25/2022 |
Yes |
- Debt collection
- I do not know
|
- Took or threatened to take negative or legal action
- Threatened or suggested your credit would be damaged
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Web |
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THIS IS CURRENTLY ON MY CREDIT REPORT AS THE ONLY BLEMISH. I have no idea who it is or what it is about. It is a false claim/transaction.
The collector ( MRS BPO ) hung up when I called. ( I XXXX the number from the credit report. ) I called back immediately and they were from XXXX and that they turned my information back to XXXX XXXX ( without even discussion ) this may have been a fake call.
There have been no attempts to collect, and my account with XXXX is in good standing with their billing department. They are unaware.
I have been hacked. Police and federal authorities have been contacted. I need to assure that credit is frozen. From what I understand removing this will immediately increase my score by XXXX points. There are plans to move forward with other harassment and identify theft/stolen information charges-pending result.
Please help me remove this bogus account from my credit report! I will do whatever I need including all police reports and legal cooperation. Online harassment has gone on for more than 2 years. Thank you.
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| 07/29/2021 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt is not yours
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|
Web |
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Back in XX/XX/XXXX I discontinued service with XXXX and sent all the equipment back. I did everything I was supposed to do. Then in XX/XX/XXXX, my credit score dropped and I see that XXXX sold my account to a debt collector. It put a collections on my account for the equipment not being turned in. I disputed the charges and called XXXX directly. They stated my account was Paid in Full and weren't sure as to why it was put in collections. That dispute was deleted. Then in XXXX of XXXX another collections was added to my credit report for the same thing! I disputed that as well and it was taken off! NOW AGAIN ... XX/XX/XXXX same creditor put the collections on my account. I've called XXXX and could not get ahold of anyone. Called MRS Associates ( The collection company ) who stated they could not find my account, and I reached out to XXXX ( Original creditor ) and they AGAIN stated they show my account being closed and in good standings! I want this to stop and want to know what actions I can take to make sure this doesn't happen a 4th time!!
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| 11/15/2023 |
Yes |
- Debt collection
- Credit card debt
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- False statements or representation
- Attempted to collect wrong amount
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|
Web |
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Continuance of complaint # XXXX.
NOTICE TO AGENT IS NOTICE TO PRINCIPAL.
NOTICE TO PRINCIPAL IS NOTICE TO AGENT.
On XXXX XXXX MRS BPO , LLC attempted to collect an unvalidated alleged debt.
On XXXX XXXX MRS BPO , LLC attempted, for a second time, to collect an unvalidated alleged debt.
On XXXX XXXXXXXX XXXX XXXX XXXXXXXX made a request for validation of the alleged debt, to which MRS BPO , LLC could not respond to adequately.
On XXXX XXXX MRS BPO , LLC responded by saying they would no longer attempt to collect the debt, but did not respond with what was requested in the debt validation letter.
On XX/XX/XXXX ( within the same response by MRS BPO , LLC ) - MRS BPO , LLC stated, " MRS denies any suggestion that it violated collection laws or any other laws described in this complaint ''.
MRS is now being given 2 options, Respond to the Debt validations, in full, or pay the attached violations in the pdf attached to this complaint. They have 30 days to respond. Proof of their violations have been recorded and submitted to the CFPB.
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| 06/08/2016 |
Yes |
- Debt collection
- Credit card
|
- Improper contact or sharing of info
- Talked to a third party about my debt
|
|
Web |
Older American, Servicemember |
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I moved from XXXX Mi to XXXX Mi XXXX XXXX 2015, never miss a months credit card payment ... late a time or to. On XXXX/XXXX/15 I open a saving and checking account aat XXXX XXXX XXXX. On that same day, went straight to XXXX county Veteran Affairs office. to ask if I could Please have my routing number and account number fax to the XXXX V.A. office in XXXX Mi. XXXX XXXX told me they operate on tax dollars and they could not do to much. I ask XXXX if he could just fax the info he turn and walked in to his office so i ask him to do his job. I went across the hall to the XXXX XXXX leage power of attoney XXXX XXXX. Said he really did n't quite know how do he got on the phone made a call .ask if the info was right and he would I explained I was great full cause it had to be in before XX/XX/XXXX. the secretary, XXXX and XXXX did n't fax it until the XX/XX/XXXX. So I had to miss a months credit card payment. Now it have collection angency calling late fees pilling up. what should I do it 's really not my err. they just did n't do there job.
|
| 01/01/2021 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt was result of identity theft
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Web |
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On XX/XX/XXXX received letter from collection agency, MRS BPO LLC, that I owed an overdue debt of {$780.00} to a company called XXXX XXXX. I attempted to call MRS BPO LLC at XXXX but disconnected the call as they wanted my social security number. I mailed them letter disputing the validity of this debt on XX/XX/XXXX. Their letter stated that I had 30 days to respond to this letter to dispute validity of debt. I called this number again on XX/XX/XXXX and left information but was not able to speak with anyone. I called XXXX XXXX on XX/XX/XXXX to dispute this debt. I have never used XXXX XXXX. They did verify that the address on the account with them was not my address. They took my information and said a representative from their company would call me back. XXXX XXXX called me on XX/XX/XXXX and I was told to file a police report and a report at FTC.gov. Once I did this to send this information to their XXXX XXXX at XXXX. I filed police report on XX/XX/XXXX. On XX/XX/XXXX received a degradatory against my credit filed by MRS BPO LLC.
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| 04/08/2023 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt was result of identity theft
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Web |
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On XX/XX/XXXX, I was sent a letter by XXXX saying that my personal information was compromised as a result of a data breach. On the same month, a debt collector MRS associates reported a XXXX account that was opened on my name in XXXX ( never lived there ) and unpaid balance of {$840.00} that was reported in collections to the XXXX credit bureaus. I successfully disputed that account and got them to remove it from my credit report. That account was then sold to XXXX XXXX XXXX with the same thing and they too reported to the credit bureau that it was under collection. Again, without sending me a letter verifying the validity of the debt. And so, both MRS associates and XXXX XXXX are in violation of CFPB as they never contacted me and immediately went to credit agencies. Now again in XX/XX/XXXX, XXXX XXXX is doing the same thing and the account is currently under dispute. As soon as I told XXXX that they never sent me a letter notifying the validity of the debt, they then sent me a letter. Clearly violating the practices.
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| 01/15/2022 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
Servicemember |
|
MRS BPO, L.L.C FRAUDULENTLY COLLECTED MY INFORMATION WITHOUT MY CONSENT AND IS FORCEFULLY TRYING TO MAKE ME PAY THEM A DEBT THAT I DO NOT OWE TO THEM FOR AN ESTIMATION OF ABOUT 2 YEARS. I SENT OUT A DISPUTE LETTER IN ACCORDANCE WITH REFERENCE, REGULATIONS OF THE FCRA, CFPB, FTC AND HIPPA LAWS AND CONSUMER RIGHTS ; AND NEVER GOT A RESPONSE BACK FROM THEM. I NEVER GAVE THIS L.L.C AUTHORIZATION NOR CONSENT TO MY PERSONAL INFORMATION. NOR DID I SIGN ANY CONTRACT WITH THIS SAID L.L.C TO PAY ANY DEBT TO THEM. ALSO, IT APPEARS TO BE HIDDING BEHIND THE SHADOWS OF XXXX XXXX XXXX XXXX. THEY ARE NOT REPORTING ON MY CREDIT REPORT BUT INSTEAD REPORTS DISCRETELY TO ADVANCED RESOLUTION SERVICES, XXXX ( XXXX XXXX XXXX XXXXXXXX, XXXX ( RECENTLY MERGED ) AND SENDS OUT LETTERS TO ME WHICH IS MISREPSENTATING AND IMPERSONATING AS AN ATTORNEY FOR XXXX FRAUDULENTLY TRYING TO DOUBLE DIP ON A DEBT NOT OWED TO THEM. XXXX XXXX WROTE THIS OFF DUE TO HARDSHIP AT THE TIME MY MOTHER WAS DYING AND I WAS GOING THROUGH A BAD DIVORCED AND LOST EVERYTHING.
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| 03/28/2022 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt was paid
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Web |
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MRS BPO LLC notified me via mail that they were collection on a 'debt ' that they claimed I owed XXXX XXXX
XXXX XXXX had, in fact, previously charged us incorrectly ( part was an overcharge and part was previously paid ). Through various phone calls, XXXX agents had studied the account and said they would work it out. However, nothing happened, we stopped calling after a while, assuming they had finally done the analysis. Then, MRS BPO contacted me.
I promptly returned the MRS BPO form, advising that the debt is not owed by me.
MRS BPO did not respond to me, but instead filed a collection against me with credit bureaus.
It is unfair that XXXX XXXX can claim a debt for which there is no signature, and now proof. I can not control how their agent keypunches into their system.
MRS BPO LLC should not have ignored my response. They should either go to court to try to prove the debt, or cease collection. Filing with the credit bureaus is fraudulent, as they have no proof that I owe the debt ( and I strongly deny it ).
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| 08/10/2020 |
Yes |
- Debt collection
- Other debt
|
- Written notification about debt
- Didn't receive enough information to verify debt
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|
Web |
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XXXX internet offer 's Third Party Router service for home recently Sold. New owner 's transferred service into their names. XXXX notified that router would transfer to new Owner 's service. I have called into to XXXX ( no clue if this is a legitimate company, as they wont identify. ) Robot answers phone, can't understand anything said. Asked for Customer service, it transfers you to a line for a brief waiting period where it then states " There is no one available to take your call. '' Website is provided but the recording is 100 % indistinct and can not be understood. Phone number for initial follow-up was texted in a photograph to me ... XXXX. Not once have I been forwarded written notification of this issue. When cancelling my last service at XXXX they were given my new address. It is {$59.00} I suposedly owe, and If in fact I do I will gladly pay, but I will not be taken advantage of by a company whose act of reaching out is predatory in nature. I work for a XXXXXXXX XXXX and will pursue this to it's full extent.
|
| 07/06/2018 |
Yes |
- Debt collection
- Auto debt
|
- Attempts to collect debt not owed
- Debt is not yours
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|
Web |
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Debt Collection company MRS BPO , LLC is trying to collect on a debt I believe XXXX XXXX XXXX has not proved to be mine. I got a call from them and said it was not my information. I sent them a validation of debt letter and got a response with no social security number or birth date on the loan documents. I do not believe they have done anything wrong or harassing of me but I needed the debt to be proved it was me and they could not do that. This has nothing to do with me. They also provided me with a signature that says XXXX as my first name in docusign which could of been done anywhere and isn't even my first name as you can see in documents that are attached. It is not even my name and I always use my middle initial especially on loan documents. Unfortunately they are tasked with collecting this debt that XXXX XXXX XXXX refused to properly prove. I am uploading docs to show what MRS had sent me as prove which does nothing as I said no social security number is listed or birth date and the name is not even correct.
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| 01/04/2022 |
Yes |
- Debt collection
- Credit card debt
|
- Communication tactics
- Frequent or repeated calls
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|
Web |
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This submission is NOT from a third party. I, XXXX XXXX XXXX XXXX the natural person, consumer, & agent is currently being suppressed by not being able to exercise my rights as a federally protected consumer. On XXXX I sent out a Debt Validation letter along with a cease & desist with requested information via certified mail to MRS BPO, L.L.C. and XXXX XXXX XXXX XXXX for debt validation purposes. Im not asking for verification of an alleged debt, Im requesting information to validate the alleged debt. I gave them 30 days upon receipt to investigate information & send requested information. They are now 30+ Days late. They have repeatedly harassed me with communication in the past without proper validation and is knowingly reporting misleading false information on my credit report. All references to this account must be deleted and completely removed from my credit file and a copy of such deletion request shall be sent to me immediately. Can I get some assistance with this issue? Thanks. I will attach attachments
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| 11/05/2020 |
Yes |
- Debt collection
- Other debt
|
- Written notification about debt
- Didn't receive notice of right to dispute
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|
Web |
Older American |
|
XXXX XXXX apparently was given my closed XXXX account to collect a Balance. At the time we switched to a much less expensive service I personally verified that there remained no open balance on the account. We were later sent boxes to return XXXX XXXX 's equipment which was also done.
I was notified of a drop in my credit score which was abnormal. My score hovered around perfect and had suddenly dropped by over 100 points despite my having no unpaid balance other than my mortgage and no late payments. I found XXXX XXXX on the credit report as an account in collection for {$750.00} and in small print a notation re XXXX XXXX. I submitted a dispute through XXXX. They closed the dispute saying XXXX XXXX had certified it was proper. However if looking at the XXXX report today there is no longer anything shown for XXXX XXXX. I also checked XXXX and did find XXXX XXXX. I've spent a lifetime making every effort to keep a high credit score and to be negatively impacted for a debt I don't owe just seems criminal.
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| 03/26/2021 |
Yes |
- Debt collection
- Credit card debt
|
- Written notification about debt
- Didn't receive enough information to verify debt
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|
Web |
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MRS BPO LLC sent a verification of debt letter that is not sufficient to validate alleged account. I requested a few documents that was never sent. The letter that was sent has a lot of discrepancies and the verification letter that was sent does not reflect whats on my credit report. This account is falsely reporting as the original creditor and not as MRS. MRS also failed to send a letter stating that they owned alleged debt and continuously to report this alleged account to the credit agency and has been reporting this account for a year illegally. This is affecting my credit. If this agency have the right to collect debt, why wasnt I informed?! Isnt this a violation. If this company is obligated to report all accurate information, why are there so many discrepancies on all 3 credit reporting agencies?! This company is in violation. I requested documents and was not given all the proper documentation. I only received a statement and a verification letter from MRS XXXX I have more evidence if needed
|
| 04/08/2022 |
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
|
|
Web |
Servicemember |
|
I changed cable service with XXXX XXXX XXXX, staying with the company as a provider but changing from XXXX XXXX XXXX XXXX XXXX XXXX. I returned the modem to the company and received an email confirming receipt. I contacted both XXXX XXXX XXXX as well as the collection agency that processed the action, MRS BPO ; providing both companies the email showing that they received the device ( serial number was on the email ). Both agencies never responded and continued to treat this as a debt. I paid them the {$320.00}, in an attempt to resolve the issue and keep it off my credit report. They refused to remove it from my report.
I filed a dispute using XXXX, XXXX, XXXX ; but the item remains. I did the right thing and used every available remedy to resolve this situation. I do not understand why it remains on my report and why I can not get this removed. There should be a remedy for this type of activity, it is unfair to the consumer that there are no protections when you are trying to do the right thing.
|
| 07/14/2021 |
Yes |
- Debt collection
- Credit card debt
|
- Written notification about debt
- Didn't receive enough information to verify debt
|
|
Web |
|
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I received information from you attempting to collect the above-listed alleged debt. Your initial communication to me of the alleged-debt was within 30 days ago. Be advised, validation is requested. I respectfully request that your office provide me with competent evidence that I have any legal obligation to pay you.
Please provide me with the following : Provide original contract and not a copy of it which matches the balance being claimed Provide a list of charges that total the amount claim in your original letter Identify the original creditor Do you have the right to collect on the debt The balance claimed as being due is calculated properly The loan has not been rendered unenforceable due to the expiration of the statute of limitations Please be further advised, I dispute the validity of the alleged debt in its entirety. You are illegally attempting to collect an alleged debt and money that I do not owe. As per the law, cease and desist all collection activity, including credit reporting.
|
| 11/19/2020 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt was already discharged in bankruptcy and is no longer owed
|
|
Web |
Servicemember |
|
On XX/XX/XXXX, MRS BPO reported a collection account to my XXXX and XXXX credit files. The original creditor is XXXX. This debt was previously sent to a different collection agency who filed a claim under my Chapter XXXX Bankruptcy that was filed in XX/XX/XXXX. Additionally, MRS BPO failed to provide notice of the debt in writing.
On XX/XX/XXXX, MRS BPO received written notice of their violations of the Bankruptcy Automatic Stay which prohibits ANY form of debt collection to include reporting collection accounts to credit reports in hopes that consumers will pay the debt to have it removed. MRS BPO is not only in violation of the FDCPA and the Bankruptcy Protections, they are committing FRAUD as it is illegal to attempt to collect on a debt twice and a debt that is receiving payments through the Chapter XXXX Wager plan. MRS BPO failed to provide validation or even respond to the written notice within the allotted timeframe ( 30 days ). The account still remains on my credit file as of today.
|
| 12/15/2023 |
Yes |
- Debt collection
- Credit card debt
|
- Attempts to collect debt not owed
- Debt was result of identity theft
|
|
Web |
|
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My credit card was stolen and used there are fraudulent charges on this account XXXX XXXX has refused to correct the issue instead they are updating the dates and balances and account history each time I dispute the account prolonging the process also the account has been reported charged off but I received a letter from a collections company whom XXXX XXXX has sold the account to trying to collect on this debt. As a victim of identity my information should have been kept confidential. I am entitled to a full investigation and removal of this account. This account does not follow FCRA guidelines and is a violation of my rights as a consumer. This account is reported charged off which means a 1099-c should have been mailed to me regarding this action made regarding the accounts status. Under 15 U.S.C.1681b, 15 U.S.C.1666, 15 U.S.C.1666b 15 USC 1681S-2 my rights have been violated.This debt collector has not provided me proper debt validation for this debt. Please delete this from my report.
|
| 10/17/2023 |
Yes |
- Debt collection
- I do not know
|
- Written notification about debt
- Didn't receive enough information to verify debt
|
|
Web |
|
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I am writing to dispute a collection, MRS BPO LLC for {$81.00} on XXXX I have never heard of this company or spoken to them.
The company that I did speak to about this debt was back in XXXX XXXX XXXX The company was XXXX XXXX XXXX XXXX said the debt was from XXXX XXXX
I communicated with XXXX XXXX XXXX XXXX XXXX XXXX asking them to verify the debt and provide proof of any monies owed by way of a statement or unpaid bill. I contacted XXXX twice after the initial discussion as follow up but never received the information requested.
The next time I saw the debt was today on my credit report under the name of MRS BPO LLC. I have not received any verification or documented proof that this is a debt I am contractually and legally responsible to pay. In fact, I have every reason to believe it is not.
I am disputing this debt. Further, If XXXX can not provide contractual and legal proof of this debt, I am requesting that this derogatory item be immediately removed from my credit report.
|
| 01/13/2022 |
Yes |
- Debt collection
- I do not know
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
Servicemember |
|
I am submitting on my son 's and my behalf. My son XXXX XXXX attended XXXX and graduated in XXXX. On some of his student loans, I was a co-signer. I'm sorry, it has been more than 7 yrs when he graduated from college I do not recall or remember all of the details on the loans. According to a letter I received XXXX XX/XX/XXXX, this student loan from XXXX XXXXStudent Choice was charged off XXXX XX/XX/XXXX and it shows as such on both of our credit records as being " charged off ''. I have not heard of or remember handling the loan, is a Debt collector from any company in New Jersey, named MRS and wanted to know why they were contacting me? Since I didn't remeber the dedt, the loan or amount. So, I called to ask what it was in reference to and clarification. He explain it was for a student loan for my son XXXX and I was being notified due to being a co- signer on a Student loan 's that was over 7 yrs ago. He also stated that they had sent the same written informationto XXXX.
|
| 07/03/2019 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt was result of identity theft
|
|
Web |
Older American |
|
In XXXX, 2019, I received a letter from XXXX XXXX , XXXX, which stated that they represented XXXX, XXXX in an overdue bill for {$300.00}. I immediately called XXXX, and they tagged the account as fraud. In XXXX, 2019, I again received a letter from XXXX which asked for additional documentation about the account. I replied by email that I had not made any charges to XXXX, that I did not know what the charges were for or when they had been made, and that I could not provide more specification information. On XXXX, 2019, I received another letter from XXXX with an attached letter from XXXX. The letter listed an account in my name and using my address but with an email address I had not opened or used and did not recognize. I followed the action plan on the IdentityTheft.gov website. On XX/XX/XXXX, I recieved a notice from another collection agency, MRS BPO , LLC, indicating that my failure to dispute the debt within 30 days would result in MRS declaring the debt valid.
|
| 08/25/2015 |
Yes |
- Debt collection
- Other (i.e. phone, health club, etc.)
|
- Cont'd attempts collect debt not owed
- Debt was paid
|
|
Web |
|
|
I received a letter dated XXXX/XXXX/15 from MRS BPO, L.L.C located at 1930 XXXX XXXX XXXX XXXX, NJ XXXX. Stating that they are collecting on be half of XXXX XXXX XXXX in the amount of {$100.00}. And if I did not pay w/in 30 days the info would be place on my credit report. Indeed I did own XXXX XXXX XXXX earlier last year for a Modem, which I returned later and when I spoke with time warned I was told by their representative that my account was at a {$0.00} balance after receiving the modem. And the negative info was removed from my credit report.
Upon receipt of this collection notice I call time warner @ XXXX and I spoke with a gentleman by the name of XXXX, regarding account ending in XXXX, who also states that my account is at a {$0.00}. I advised him of MRS attempting to collect {$100.00} on behalf of XXXX. I request for something in wring and per XXXX, at XXXX, I should receive a letter within 4-5 business days as proof that I do not owe XXXX XXXX any Money.
|
| 08/09/2021 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt was paid
|
|
Web |
Servicemember |
|
I received a notice for a {$260.00} bill owed to XXXX for cable service. I contacted MRS BPO and paid the amount around XX/XX/2021. I was told it would take 30 days to update my credit report.
I contacted MRS BPO around XX/XX/2021 when the item was still showing on my credit report. I was given the run around as to why this is still showing up. I requested it to be updated, as it was paid and I am looking to purchase a home. The agents were really rude and after about an hour of callig back I finally got someone who seemed to be cooperative. I was told she was unsure why it wasn't updated and she would send it to the department to be updated. I also never received the letter in the mail that this was paid.
I disputed this with XXXX XXXX for the information being inaccurate. As of today XX/XX/2021, XXXX XXXX is stating that the information reported was verified and considerted accurate. I just want my credit report updated so that I can move on with my life.
|
| 12/31/2022 |
Yes |
- Debt collection
- I do not know
|
- Communication tactics
- You told them to stop contacting you, but they keep trying
|
|
Web |
|
|
A company named XXXX XXXX has called me repeatedly, including in the middle of hurricane Ian, and has not told me any information about the debt. I have continued to ask them not to contact me by phone but to contact me by mail only. I have not received one thing in the mail but they continue to call and text me from all different numbers. This is all during a time when Ive lost my dad, my dog and my ex, which we remained friends, and added unnecessary emotional stress. If I knew what the debt was from I would have setup an arrangement to pay as I have worked very hard to fix my credit over the last 20 months. I dont even see anything new on my credit so at this point its obviously just harassment and wish to peruse this to the extent possible. I apologize for the vulgarity in one of the attached text messages but this was after many phone calls including one the day after my XXXX XXXX the woman called me back twice after hanging up on herXXXX you in advance.
|
| 07/27/2021 |
Yes |
- Debt collection
- I do not know
|
- Attempts to collect debt not owed
- Debt was result of identity theft
|
|
Web |
|
|
My identity was apparently used fraudulently to obtain services and credit that I did not have knowledge of or authorize. I have not been contacted ever to apply for credit, authorize credit or discuss the credit by the company, bank or load provider or collections agency. Additionally, the only inquiry to my credit reports has been by collections agencies. The original vendors never made inquiry before granting fraudulent credit in my name. Yet, without any knowledge of these transactions or involvement with obtaining credit, the collections agencies add collections status to my report without contacting me in any fashion. Furthermore, the original collection agency was XXXX XXXX XXXX in XXXX. I disputed this in XXXX with XXXX It was removed. Now, another agency, MRS XXXX, is claiming the same debt ( same amount and same original creditor ) and will not remove the claim. I thought this practice was illegal. I want this to be removed once and for all.
|
| 10/03/2023 |
Yes |
- Debt collection
- Telecommunications debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
Older American |
|
As of XX/XX/23 i received 10 text messages from 5 different phone numbers instructing me to contact them about an issue with my XXXX account. I did contact XXXX direct and there is no issue with my account.
The phone numbers are as follows : XXXX XXXX XXXX XXXX XXXX The message received is following : Please contact MRS BPO , LLC at ( XXXX ) XXXX regarding a matter for XXXX. MRS is a collection agency. If you want to opt out of future text messages reply with STOP. Visit us at : https : //portal.mrsbpo.com. To see important rights and information, click mrsbpo.com/state-disclosures.
I did not visit their portal nor opted out of receiving messages since i did not request anything from this outfit to begin with, nor is there an issue with my XXXX account.
I contacted them on XX/XX/23 to forward any information they claim they have in writing to my home address. I have yet to receive such information but kept getting the same text messages instead.
|
| 03/16/2021 |
Yes |
- Debt collection
- Other debt
|
- Communication tactics
- Frequent or repeated calls
|
|
Web |
Servicemember |
|
XXXX XXXX XXXX called me XX/XX/2021 to inform me of a debt received for collections. I asked the representative to send communications concerning debt to me via mail so that I could verify the debt. I also told this representative not to call me about this debt and that I only wanted mail communication. Later that day I received another call from this company. I called the company on XX/XX/2021 to ask the company to stop calling and the representative said he would remove my number from their automated dialer, later that day I received another call from the company. I have received a call from this company 2-3 times a day every day since XX/XX/2021. I called the company again today XX/XX/2021 to ask the company to stop calling me again. I spoke with XXXX and XXXX XXXX about the constant calls. XXXX but they continue to call. The company still has not sent me communication via mail concerning this debt and they are still calling me 2-3 times per day.
|
| 04/11/2016 |
Yes |
- Debt collection
- Other (i.e. phone, health club, etc.)
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- Communication tactics
- Called after sent written cease of comm
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Web |
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This company is a 3rd debt collector trying to collect the same debt. That is not the problem, how ever they are calling me every other day and up to 5 times a week at different times a day and night. Every day, every week, every month since XXXX XXXX. Its a recording of the same information, " This is XXXX XXXX of MRS Assois, calling about a debt, please call XXXX '' then it hangs up. Since XXXX of this year.
Before that, The XXXX debt collector was XXXX XXXX XXXX, XXXX in XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX back on XXXX XXXX, XXXX then the debt was giving or sold to XXXX, XXXX XXXX, XXXX, XXXX XXXX which was on XXXX XXXX XXXX Then again the debt was sold or given to XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX as of XXXX XXXX XXXX and now this NEW debt collector now has the debt. The debt has been sold, charge off, or given to other debt collectors for the past XXXX-3 years and i do not know who really is the REAL collector of said debt.
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| 08/08/2017 |
Yes |
- Debt collection
- Other debt
|
- Written notification about debt
- Didn't receive enough information to verify debt
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Web |
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I have an unverified account from MRS BPO LLC. I had previously disputed this account. I have never done business with MRS BPO LLC. Pursuant to the Fair Debt Collection Practices Act ( FDCPA ) 15 U.S.C.1692g, I dispute the validity of the debt purport I owe. I request that MRS BPO LLC provide verification of the following : 1. The original Application or contract ; 2. Any and all statements allegedly related to this debt ; 3. Any and all signed receipts ; 4. Any and all canceled checks ; 5. Original date of default and collection activity begin 6. Whether you purchased the debt, and if so, the amount paid for the debt 7. The date ( s ) the debt allegedly accrued ; 8. An itemization of the costs, including an accounting, for any additional interest, charges, or other fees placed on this account. I want to request that MRS BPO LLC Cease and Desist all further communications and collection actives and provide the verification of the purported debt.
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| 03/02/2021 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt is not yours
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Web |
Older American |
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In my XXXX and XXXX reports, every 6 months or so, different collection agencies place a collection record for the same original creditor and when I file a dispute the credit bureau removes after investigation. This debt is not mine and I don't believe it is appropriate to have this repeatedly affect my score.
Collection agency - 1 : XXXX XXXX XXXX for the original creditor XXXX in XX/XX/XXXX for {$350.00}, which was investigated and removed by both credit bureaus, since it is not mine.
Collection agency - 2 : MRS ASSOCIATES ( MRSBPO ) for the original creditor XXXX in XX/XX/XXXX for the same amount of {$350.00}, which is being disputed now with XXXX and XXXX.
I am concerned of the above, probably due to combination of reporting mistake or identity theft as it is not mine. This complaint is placed here since credit bureaus are not protecting me from this abuse by third parties and it is seriously impacting my credit score and livelihood.
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| 04/21/2021 |
Yes |
- Debt collection
- Credit card debt
|
- Attempts to collect debt not owed
- Debt is not yours
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Web |
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I am a victim of identity theft and below is what happened.
On XX/XX/XXXX, after I pulled my credit report, I found out multiple accounts that did not belong to me, right after doing my own research, months later, to be exact on XX/XX/XXXX, I submitted my first dispute to the credit bureaus, after about three weeks a received replies from them requesting me to file a Identity Theft Police Report, so I did. On XX/XX/XXXX I filed my Police Report, with the report in my hands, on XX/XX/XXXX, I started my dispute journey but this time I included my Police report. I did not send my disputes to the credit bureaus very often, since I am always busy, but so far since that time to date, I have submitted my package of Identity Theft at least four times.
Unfortunately, I recently received multiple collection letters trying to collect on alleged debts that I really do not have any idea of. One of those collection letter is the one with MRS BPO , LLC.
|
| 07/31/2020 |
Yes |
- Debt collection
- Other debt
|
- False statements or representation
- Attempted to collect wrong amount
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Web |
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I attempted to email MRS XXXX XXXX regarding an alleged {$50.00} debt, however their return email was sent back to my email as undeliverable. I also tried calling them 3 times and each time waiting on hold about 7 minutes before being disconnected and hung up on.
I also contacted the original creditor XXXX XXXX and they verified that I do not have any accounts that are past due and that it may be a spam or potentially fraudulent attempt to collect on a debt that is not actually owed. They state the debt as being an account with XXXX XXXX but I have never had an account with XXXX XXXX. I am not sure who this collection company is or what their attempt is, I just don't want others to fall victim to schemes and scams like this. There's too many terrible people trying to steal other peoples hard earned money we don't need companies like this taking advantage of people that may not know better and end up paying on a debt they don't really owe.
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| 09/10/2023 |
Yes |
- Debt collection
- Telecommunications debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
Servicemember |
|
MRB BPO LLC has filed a collections for {$110.00} for " overdue debt from XXXX '' at an address that I have never lived at nor had a lease. I have requested detailed information from MRS BPO LLC on the alleged debt and they did not provide any details. I called back and requested details again and they hung up. I have contacted the property management company for the apartment complex at the address and they have provided proof that I have never lived there. I have filed a dispute for this collection acquisition with XXXX, XXXX, and XXXX- the documentation from the apartment complex was attached to the disputes as supporting data. XXXX and XXXX have completely removed both the collections due as well as the associated address for the collection claim. My credit report is now accurate. I am filing this formal complaint against MRS BPO LLC in order to re-submit my dispute to have the fraudulent collections removed from my credit report.
|
| 06/23/2021 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Account status incorrect
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Web |
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Account # XXXX was closed. We received numerous from their collection agency. We paid it off on XX/XX/2021. They harassed us to pay this bill. We paid MRS BPO and they told us that within 10 days we would have the information updated on our report. That was not true. When we tried to speak to XXXX XXXX about this, they said they have nothing to do with it. Now XXXX XXXX is holding our money and acting as if no payment has been received by them. They received the funds on the XXXX from MRS BPO. Our credit is being hostage even though we have paid this off. They are not updating our credit report on time. They said they clear this up within 30 days but that is not true. They say and do anything to get money from clients but then hold those funds and not report that accounts are closed. They are updating 60 to 90 days after the fact even though the money was received immediately. Someone should investigate XXXX XXXX AND MRS BPO for fraud
|
| 07/18/2017 |
Yes |
- Debt collection
- I do not know
|
- Attempts to collect debt not owed
- Debt was result of identity theft
|
|
Web |
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around XX/XX/XXXX me and my wife had let a Friend stay with us as they were are on hard times we did not know that this person was going on are computer ordering things using XXXX this was done without are consent or permission and we had no knowledge until it was too late. upon discovering this i notified my bank which was XXXX and reported the issue and fraud a credit was given to us for the charges and fees at this time. XXXX on the other hand was not so friendly under the circumstances. hours spent trying to get it corrected to no avail. on XX/XX/XXXX i received a collection notice from a company called MRS and was told i owed XXXX to XXXX which i again tried to correct which i failed to do so. neither the collectgion agency or XXXX want to hear anything but when will i pay them for things i did not purchase. i contacted MRS on XX/XX/XXXX XX/XX/XXXX and XX/XX/XXXX . ive received no help from them at all.
|
| 10/22/2022 |
Yes |
- Debt collection
- Other debt
|
- False statements or representation
- Attempted to collect wrong amount
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Web |
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MRS BPO placed a false statement on my credit report that I had an account with XXXX. The account is in the name XXXX. This account was never authorized by me, I never ordered XXXX XXXX, and I owe them no money. I did NOT open an account in XX/XX/2022 as MRS BPO falsely represented.
I disputed this with XXXX. XXXX contacted MRS BPO and advised them. MRS BPO falsely stated that they verified the debt.
Pursuant to the Fair Debt Collection Practices Act, I dispute the debt with MRS BPO. The basis for the dispute is I never used the name XXXX, never applied for a XXXX account, never authorized any charges to XXXX, do not owe XXXX. MRS BPO needs to provide a copy of the agreement in question.
Pursuant to the Fair Credit Reporting Act, the reporting of the account on XXXX, XXXX, and XXXX is not accurate. I never applied for an account with XXXX, never used the name XXXX, never incurred any charges, and do not owe XXXX for any reason.
|
| 08/18/2022 |
Yes |
- Debt collection
- Credit card debt
|
- Written notification about debt
- Didn't receive enough information to verify debt
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|
Web |
|
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MRS BPO LLC has violated my right protected by the FDCPA with multiple violations.
i sent my dispute letter thru certified mail tracking # XXXX. Requesting debt validation. I have not received any return mail from MRS BPO LLC within 5 business days of receiving my dispute to acknowledge that they have my request and are investigating the issue and or any documents to verify the debt according to 15 U.S.C 1692g ( a ) " contents of debt '' they have failed to do so and is grounds for removal. Also they violated 15 U.S.C 1692g ( b ) '' disputed debts '' for they have furnished the account to XXXX and XXXX without the debt being verified and validated. they also violated my rights 15 U.S.C 1692 b ( 3 ) for they reported it to XXXX and XXXX 15 U.S.C1692 b ( 5 ) on the content of mail they sent me furthermore the account information being furnished on my credit report has inaccurate dates open, high credit this is also grounds for removal
|
| 06/30/2021 |
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
|
|
Web |
Older American |
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Was charged on my credit report, For unpaid bill to XXXX XXXX XXXX, I dont even have a account with them, never have ... ..
Called reporting agency MRS BPO , LLC. No help at all, if anything very rude!!
was told need to file police report, and then they will talk to me ... or I could settle with them now ... .Call my police dept. for needed report, they said i should call XXXX XXXX XXXX to verify claim against me first .... I called XXXX XXXX XXXX and was able to prove myself, and is a case of thief identity, Two weeks later, XXXX XXXX XXXX claims it will take 60-90 days to remove from my credit!!!
Number 1 XXXX XXXX XXXX should not have issued XXXX worth of credit without any varication.
It was harder for me to prove my self, then was for someone to get product, in my name!!!
what about my time in all this XXXX This whole process is a sham.. only the innocents are guilty ... .very little help from anyone ... total rip off!!!
|
| 03/29/2022 |
Yes |
- Debt collection
- I do not know
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
A fraudulent and scam company that goes around and steal people 's identity and then put information on their credit report that consumers owe them has attacked me.
The scam company is MRS BPO , LLC and they have placed this information on my XXXX credit file. I do not know who this company is, I have never done business with them and I have never been contacted by them bout any debt.
I have absolutely no idea what this scam company wants. They have obtained my information in some illegal and fraudulent manner and are using it to demand money from me that I do not owe.
MRS BPO , LLC put this information on my XXXX credit report in hopes that I will be ignorant of the law to call them, and then MRS BPO , LLC. can harass me and hunt me down for money.
They have never contacted me yet they have my information and have used it in a fraudulent manner to extort money from me. Take the derogatory information from my credit file
|
| 02/12/2019 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Problem with a credit reporting company's investigation into an existing problem
- Their investigation did not fix an error on your report
|
|
Web |
Servicemember |
|
During a credit report check on XX/XX/XXXX for the purpose of purchasing a new home, this account was shown as a collection account for an energy company I used in my last home. I moved from that home, out of state in XXXX of XXXX. The home remained vacant until XX/XX/XXXX. I did not receive any communication from XXXX XXXX XXXX XXXX or MRSBPO at any time to my new address. Once I became aware of this collections account, I immediately contacted them and paid the balance in full. I did not dispute the validity of the debt since I was familiar with the company. I do take full responsibility for this debt and the lateness of it. I did ask the company to delete this collections record from my credit report in good will. For this account of {$180.00} is what is standing between me owning a home and not. They refused to delete the account. Now, my excellent credit has dropped 100 points and I have a Public Record of this account.
|
| 05/10/2021 |
Yes |
- Debt collection
- Other debt
|
- False statements or representation
- Attempted to collect wrong amount
|
|
Web |
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It was time for an upgrade on my account so we went in to get new phones. We went in on Thursday and their system was not fully processing the phones so they asked us to come back the next day. We came back the next day ( Friday ) and their system was still down. So we went back on Monday and still nothing so we returned the 2 phones we did get and canceled the 3rd phone request. I paid my last bill in FULL and went with XXXX. I then recieved a bill for the 3rd phone that we NEVER recieved. I tried going into the store they told I had to call. I tried calling customer support they promised to fix it but never did. I very much care about my credit but I NEVER got the phone. I never even got it. This is not ok. You expect us as customers to pay our bill then as a customer I expect you to do the right thing and not cahrge me for something I never recieved.
The store we went into was at XXXX XXXX XXXX XXXX, XXXX, WI XXXX
|
| 03/15/2021 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
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I recently started receiving text messages from a company by the name of MRSBPO. The company is accusing me of an owed debt from XXXX in the amount of XXXX. After my service was canceled due to consistent technical problems and a verbal agreement for charges to be waived. I have tried multiple times to contact the company and have been unsuccessful due to longer than normal hold times, and being disconnected on their end. The miscommunication have lead me to believe this company is a scam and do not want to discuss debt matters with consumers. I do not have a signed contract or any contract/agreement with this company. I am being harassed through text messages from this company. Although, I have not given consent to receive text message alerts. I would like this matter properly investigated and deleted from my credit report. The company is showing 3 different ways on my credit reports. MRSBPO MRSBPO LLC MRS ASSOCIATES
|
| 03/21/2023 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt was paid
|
|
Web |
|
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Debt is over a disputed amount of only {$260.00} with XXXX XXXX when I severed a 20 year relationship with them for overcharging me, and for very poor customer service. They sent the debt to MRS Associates for collection, and MRS reached out to me via email on XX/XX/XXXX with a reduced offer amount of {$180.00} if paid by XX/XX/XXXX. I fully paid the reduced offer amount within the allotted time, as the payment CLEARED my bank on XXXX XXXX.
After that, MRS was still harassing me and my family members to collect the settled debt. Hence I visited their website on XX/XX/XXXX at XXXX XXXX and disputed the debt and provide them all of the information to support my claim. I gave them 15 days to reply to my dispute and they never acknowledged the dispute or contacted me, other than continued harassment.
Attached are copies of supporting documentation, including a screenshot of my bank account showing the debt was paid.
|
| 04/06/2020 |
Yes |
- Debt collection
- I do not know
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
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I had internet service with XXXX but due to poor service and bills coming late, poor customer service, service was disconnected in XX/XX/XXXX. I completely moved out of the state to another. I started getting calls about service and they wanted to make it right. I informed the office of the President for XXXX that I no longer lived in the state and did not need their service. They apologized for the error and said I will not be contacted again. Service was disconnected and no balance was remaining. Some how, I started getting phone calls from a collection company called MRS BPO. I instructed them to stop calling me and if They believed I owed a debt to put it in writing, as I did not owe a debt to them nor XXXX. They became rude and obnoxious. The persisted with calls, now they have intentionally and willfully placed false claim of debt on my credit profile. Moreover, they made they start date of service XX/XX/XXXX.
|
| 03/10/2020 |
Yes |
- Student loan
- Private student loan
|
- Struggling to repay your loan
- Can't get other flexible options for repaying your loan
|
|
Web |
|
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MRS collections called me and asked for my father ( he is my co-signer ) and I stayed I am the primary and to deal with me. He asked if my dad received a fedex package from him and I said I dont know. I confirmed my ID and he proceeded to tell me I am in a very dangerous situation and I feel that this is deceptive as I am not being sued and the loan defaulted one month ago. Danger to me infers I am facing harm. I feel this is deceptive language. He calls my dad often and says the same thing. We do not have {$23000.00} to settle this and payments are not an option and at this point I dont think we are in danger and I need them to stop saying we are. They are trying to scare me and my dad. They told both me and him that they are dealing with him only and this is his problem now and they are not going to work with me at all. They refuse to discuss payments at all and use language that implies we are in danger.
|
| 07/30/2019 |
Yes |
- Debt collection
- I do not know
|
- False statements or representation
- Attempted to collect wrong amount
|
|
Web |
|
|
I got a debt collection notice claiming it is in regards to an account with XXXX. I've never had a credit account with XXXX. In fact, when I used them as a payment processor for selling used items on XXXX, I caught them stealing my sales before I got a chance to transfer them to my bank account and also stealing directly from my bank account for foreign transactions I never received or transferred as investigated and determined by my bank. Because there was no way to unlink my bank account from XXXX and they refused to return the funds or abide by XXXX or even their own posted Seller Protection Policy, I had to close down both my XXXX store and bank account of 20 years to avoid future theft. This phony debt collection seems to be yet another XXXX scam. XXXX has never issued me a credit card or loan of any kind nor would I ever accept one from a company that stole my hard earned sales of personal property.
|
| 02/23/2022 |
Yes |
- Debt collection
- Credit card debt
|
- Communication tactics
- Frequent or repeated calls
|
|
Web |
Servicemember |
|
I have these companies ; 1- MRS BPO LLC 2- XXXX XXXX XXXX XXXX XXXX XXXX XXXX They are attempting to collect an old debt that was placed as " charge off '' from XXXX XXXX XXXX more than 4 years ago. The Texas Debt Collection Act sets a statute of limitations for collecting debts. In Texas, debt collectors only have four years to collect a debt, and that limited timeframe means that debt collectors can not pursue legal action against a debtor if a debt is more than four years old.
I have requested validation of the debt, contract of all parties that they own the debt, deletion of all reported to the credit agencies until this is totally100 % accurate, and cease and desist from all telephone communication and only by communicate with me by mail.
They have failed to comply with all my legal requests, causing me and my family additional stress, suffering and frustration plus credit damages and costs.
|
| 10/18/2019 |
Yes |
- Debt collection
- I do not know
|
- Written notification about debt
- Didn't receive enough information to verify debt
|
|
Web |
|
|
Hello.
I received a collections letter from MRS BPO , LLC. regarding a {$840.00} debt owed to XXXX. I contacted XXXX resolutions team in addition to their collections team and this debt is unbeknownst to them. In addition I do not have a XXXX XXXX account. I explained this to MRS representative and she stated that I can call back in 2 weeks to see if XXXX has dismissed the account/bill. I became suspicious when she stated she could not provide me the telephone number or the any other demographic information that a collections agency should possess if they are legitimate in handling a legitimate account. In addition I never received delinquent pay notices or final notices from XXXX XXXX prior to account submittal to this so called collection agency.
Here is the info : MRS BPO , LLC : XXXX XXXX XXXX, XXXX XXXX NJ, XXXX.
This company is listed online for reviews as a scam. Shame on you!
|
| 08/07/2022 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
On XX/XX/2022 I submitted a compliant about a very similar debit that was not mine. The previous complaint ID was XXXX and it was in regard to XXXX XXXX saying I owed {$460.00} and the collection agency at the time was XXXX XXXX XXXX During that time, it was showing up on my XXXX credit report, when the compliant was resolved and identified as an error on XXXX, it was removed off my credit report. Now on XX/XX/2022, I received an alert from XXXX that I had a new collection account open. After I reviewed the information, I found that the amount was the same of {$460.00}, but the company was XXXX, and the collection agency this time was MRS BPO LLC. I did contact XXXX on XX/XX/2022 at XXXX XXXX to see if anything came up on their end with my social security number and the amount of {$460.00}, but nothing came up. This again tells that there is an error on XXXX 's part or a potential fraud.
|
| 02/08/2021 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt was paid
|
|
Web |
|
|
On XX/XX/2021 MRS Associates reported a bad debt of {$560.00} to credit bureaus that is adversely affecting my credit. They did this even though this debt has been resolved and was not mine to begin with and they did this without the courtesy of a letter of phone call to me. They are acting on behalf of their client, XXXX, re : a cable bill. I have all of the documentation to back up why I do not owe XXXX a XXXX and how this debt had already been adjudicated in the past. In fact, MRS already knew this debt was nonsense and still did this to me. This feels like criminal behavior on the part of MRS Associates and I am furious that a company so dishonest as them can effect the credit of a person who pays their bills. I have contacted them on their website and email address 5 days ago but have still not received a response. In the meantime, my credit suffers because of these negligent clowns.
|
| 09/06/2022 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt was result of identity theft
|
|
Web |
|
|
Received an email from XXXX credit monitoring that my credit had dropped XXXX points so I immediately opened up my account and saw 2 judgments appearing on my credit. I have never lived in the XXXX TX or XXXX TX area ever ; I also, did not provide anyone permission to use my SSN to open accounts. Since this email, I have had a total of 4 accounts opened using my SSN and DOB and these scammers seem to be doing it at the same time. I have 2 accounts with XXXX XXXX and now with XXXX XXXX XXXX.
XXXX XXXX accounts are XXXX and XXXX email on file is XXXX XXXX XXXX XXXX accounts are XXXX and XXXX email on file is XXXX I have frozen all 3 credit bureaus and put a fraud alert as well. I have sent a letter and email to XXXX XXXX and I just found out about XXXX XXXX XXXX. I provided XXXX XXXX information regarding my issues and they have stated it should take up 30 days to get any resolution.
|
| 08/13/2023 |
Yes |
- Debt collection
- Private student loan debt
|
- Written notification about debt
- Didn't receive enough information to verify debt
|
|
Web |
|
|
On XX/XX/2023 I recieved a letter from MRS BPO , LLC stating they were contacting me about a debt I owed to XXXX. The letter stated I owed {$25000.00}.
On XX/XX/2023 I received a second letter from MRS BPO , LLC stating they were contacting me about the debt I owed on one of the private loans I obtained from XXXX, now XXXX. It stated I owed {$5300.00}.
I proceeded to obtain a Debt Verification Letter template from the Consumer Finance webpage : https : //www.consumerfinance.gov/. This letter asked for all possible verifying information on my debt. I sent this letter to MRS BPO , LLC through certified mail on XX/XX/2023. In my letter, I requested they back to me within 30 days and they have failed to do so.
Since XX/XX/2023 I have not received any mail, phone calls, or other forms of communication from them so I have no idea where my debt is or where it stands.
|
| 11/15/2022 |
Yes |
- Debt collection
- Credit card debt
|
- Attempts to collect debt not owed
- Debt was result of identity theft
|
|
Web |
|
|
I was working with a credit repair company. They obtained my personal information under the false pretense of helping me repair my credit. They moved on to open several credit cards and max them out as well as take out loans from banks. Once I became aware of this I filed a police report this was in XXXX. Even with that these XXXX were still using my information and going into my bank account taking out money all the way up until XXXX. I was not sure how to deal with reporting this outside of filing a police report. I did close the bank account. There was credit card maxed out and a loan taken out in my name which I found out was done online for XXXX. These XXXX accounts are now in collections and I have tried contacting them via certified Mail letting them know this is not my debt. As well as letting them know they are in violation of my consumer rights.
|
| 09/28/2022 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt was result of identity theft
|
|
Web |
|
|
I received a notice that my credit score changed dramatically due to a new collection account from XXXX XXXX. This collection account was reported by " MRS. BPO '', and showed an owed balance of {$840.00} to a Texas based electronic company named " XXXX XXXX ''. After calling XXXX XXXX, they told me that they have an account under my name with my Social Security number attached, and that I do owe them for using their services. This is simply impossible, as I have never owned a home, lived in or even visited Texas for any reason or amount of time, nor ever heard of either company. After attempting to dispute with XXXX, they ultimately determined that I still was responsible for the payment. XXXX XXXX has flagged my account and asked me to give them a Completed Trade Commission Form, along with a Police Report so that they can start their own investigation.
|
| 10/21/2015 |
Yes |
- Debt collection
- Other (i.e. phone, health club, etc.)
|
- Improper contact or sharing of info
- Talked to a third party about my debt
|
|
Web |
|
|
The original creditor of this debt is XXXX XXXX that was notified back in XXXX 2012 of a chapter XXXX filling and sold this debt to MRS ASSOCIATES INC. XXXX XXXX NJ.I spoke with this company directly back XX/XX/XXXX and gave them all the required information such as XXXX XXXX knows that I 'm under a chapter XXXX, .MRS associates Inc tried to put a collection on my XXXX report and it was removed.I received a credit alert from my XXXX report that says this same company has reported a collection.This company is jumping from one company to another reporting this as an open collection and it is not.This matter needs to be addressed regarding tactics being used by debt collectors.This company was notified that the original Creditor was informed back in 2012 of the chapter XXXX bankruptcy and I do n't know why they are jumping from credit agency to credit agency
|
| 11/18/2022 |
Yes |
- Debt collection
- I do not know
|
- Written notification about debt
- Didn't receive enough information to verify debt
|
|
Web |
|
|
I do not know nothing of this debt ( {$2600.00} ) that this debt collector is trying to collect from. I do understand that if I am receiving notices of debt in the mail that my information has been exposed to a third party and this is against my rights according to the Fair Debt Collection Practices Act. I have been harassed by these people countless times. They have sent me emails regarding the debt and phone calls. They have sent mail more than once about this debt. The phone calls implied that further steps would be taken by them if i don't pay for the debt, 15 U.S.C. 1692d. I have been stressed out due to this company because I know they are violating my rights. They are just a third-party debt collector participating in bad debt-collection practices. I wasn't even properly notified how to dispute or even I was able to dispute this fraudulent debt.
|
| 02/17/2021 |
Yes |
- Debt collection
- Other debt
|
- Took or threatened to take negative or legal action
- Threatened or suggested your credit would be damaged
|
|
Web |
|
|
I received a call from MRS Associates the XXXX of XXXX was made aware I had balance with XXXXXXXX XXXX XXXX I asked her for a breakdown of the charges to be mailed to me she told me she would get that from them or have them the original creditor to mail that to me but she also stated that this will affect my credit if I dont resolve it after just telling me they just got the account. I called them back after getting a balance letter in the mail and spoke to another rep and told her Im disputing this debt until I receive a breakdown of these charges and she proceeds to tell me I CAN NOT dispute the debt. I then had to go into their website and file a dispute that way on XX/XX/2021. I called back to follow up on XX/XX/XXXX and was told the account was sent back to XXXX XXXX XXXX after I sent them dispute making them aware of the violations of the FDCPA.
|
| 07/21/2023 |
Yes |
- Debt collection
- I do not know
|
- Communication tactics
- Frequent or repeated calls
|
|
Web |
Older American |
|
I have no outstanding debt in arears and have NEVER defaulted on a debit. I receive multiple calls from MRS associates a day leaving a message to call them about a time sensitive issue. I block the calling number and then receive the same message from a different number, leaving a message in a different voice but exact same script.
I am not going to return their call because I do not owe any past due bill/debits/loans.. If I truly am the person they want to talk to they can send a letter describing the issue and I'll gladly reply telling them they have the wrong person.
I assume they are fishing for someone with a similar name or were given my name in error. Either way until they provide context for their call in their message, which they won't because it is an automated dialer/message, I will continue to ignore them and block their number.
|
| 09/22/2021 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Information belongs to someone else
|
|
Web |
|
|
On XXXX I sent a letter regarding inaccurate and unknown things on my credit report. I am a victim of false & inaccurate reporting. I have disputed many times & they continue to verify accounts that dont belong to me. XXXX is the only reporting agency who seen I was being taking advantage of and deleted all accounts in my dispute. So if XXXX couldnt verify these same accounts, I will like to be supplied with the investigation process XXXX and XXXX used to verify these accounts. They've furnished 3 accounts that dont belong to me on my report with out proper investigation. Two of which states that I have a collection account with XXXX XXXX and XXXX XXXX doesn't own that debt! So those accounts need to be removed immediately because its entirely false. And a XXXX XXXX XXXXXXXX account that I will need proof for as well. I will attach below.
|
| 10/04/2023 |
Yes |
- Debt collection
- Telecommunications debt
|
- False statements or representation
- Attempted to collect wrong amount
|
|
Web |
|
|
I transferred my service to another company on XX/XX/XXXX You must get a release for the phone from XXXX in order to switch your phone over. They released my phone number but continued to charge me for the service I no longer had. They have now transferred my account to a collection agency stating that I owe them {$300.00} I do not owe them. They also increased my bill without notifying me of the increase 30 days prior to give me a chance to agree to their new terms. My phone bill had doubled I was not going to pay that amount so I switched to another phone service. They are trying to collect a debt that I do not owe. You an never reach anyone on the phone you can only talk to a computer they are trying to run the company thru AI. Therefore you never get anything resolved you are constantly prompted to pay your bill otherwise no discussion
|
| 05/03/2023 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Improper use of your report
- Reporting company used your report improperly
|
|
Web |
|
|
In accordance with the Fair Credit Reporting act XXXX XXXX MRS Associates account # XXXX has violated my rights 15 U.S.C 1681 section 602 A states I have the rights to privacy. 15 U.S.C 1681 section 604 A section 2. It also states a consumer reporting agency can not furnish a account without my written instructions. On XX/XX/2022 account # XXXX a XXXX account was opened under my name without my knowledge or consent and was used and left a {$490.00} dollar balance. I reached out to the credit bureaus for verification of accuracy and they said they did and I found improper inaccuracies on my credit report even after the credit bureaus thorough research. I demand this account be deleted expeditiously from my report being that the name was entered incorrectly but the perpetrators were still able to furnish a credit account with this company.
|
| 12/20/2022 |
Yes |
- Debt collection
- Other debt
|
- Written notification about debt
- Didn't receive enough information to verify debt
|
|
Web |
|
|
I received a letter in the mail from MRS Associates about a XXXX XXXX collection bill of {$530.00}. The letter stated I had until XX/XX/2022 to dispute. I followed the directions on the paper but mailing and emailing the dispute on XX/XX/2022. I requested an investigation within 30 days. I still havent heard anything back. I did not receiving anymore information validating the debt, proof that the amount or cancellation debt was correct. It appeared on my credit report in XXXX for {$990.00} which is illegal and a violation of my consumer rights.
I dont even have XXXX XXXX I have had XXXX XXXX XXXX since XX/XX/2022. I have the same phones for 2 years. It doesnt make sense.
I feel robbed of my rights and I am thinking about seeking legal counsel. My credit score drastically decreased and this has made me depressed. This is extortion.
|
| 10/16/2020 |
Yes |
- Debt collection
- I do not know
|
- Written notification about debt
- Didn't receive notice of right to dispute
|
|
Web |
|
|
This account suddenly reported on my credit and I have no idea what it is as XX/XX/XXXX has been paid so this can not be truly a XX/XX/XXXX bill as well as I have not received any notification in writing of a debt and it was placed on my credit without my knowledge which violates my rights according to the Fair Debt Collection Practices Act ( 15 USC 1692g Sec. 809 ( b ). I have not been contacted by this office by any forms. Furthermore, they are reporting a debt that has been paid and also in order to attempt to collect a debt in the state of TN a collection agency must be licensed and bonded. This collection agency is NOT licensed NOR bonded in my state which violates the law in State of TN. I request this illegal collecting CEASED and DESISTED immediately and removed off my credit as it is not valid plus illegal collection activity.
|
| 01/12/2023 |
Yes |
- Debt collection
- Payday loan debt
|
- Attempts to collect debt not owed
- Debt was result of identity theft
|
|
Web |
|
|
MRS BRO LLC has been harassing me for months attempting to collect an alleged debt that I do not owe to them. I have no written signed contract with this company or any contractual ties with this company. They have been mailing correspondences to my domicile attempting to collect an alleged debt, in addition to continually calling my phone multiple times a day at work. I have stated numerous times that I do not owe them for any alleged debt and that I do not even know how they received my information. I never gave any written consent to MRS BPO to have any of my information nor given them any written consent to furnish any information on my credit report. They have illegally obtained my personal information and are illegally attempting to collect an alleged debt. They have violated numerous of my federal consumer protection rights.
|
| 10/09/2017 |
Yes |
- Debt collection
- Medical debt
|
- Attempts to collect debt not owed
- Debt was paid
|
|
Web |
|
|
On XX/XX/XXXX I became aware of an unpaid medical bill that was reported for collection, in the amount of {$56.00}. I had not been aware of the outstanding bill until the debt appeared on my credit report. The debt collector, MRS BPO, posted the collection twice, on two separate dates, to XXXX ( XX/XX/XXXX and XX/XX/XXXX ), and twice on two separate dates to XXXX ( XX/XX/XXXX and XX/XX/XXXX ; the latter date is 12 days after the bill was paid ). On XX/XX/XXXX, I paid the bill in full by credit card over the telephone. The confirmation code I was given by MRS BPO is XXXX. I was told by the agent that the 4 derogatory entries reported to the two credit bureaus would be removed in XX/XX/XXXX at the latest, as they report improved accounts on a monthly basis. The entries have not been removed, despite the account being paid in full.
|
| 10/27/2023 |
Yes |
- Debt collection
- I do not know
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
I declare under penalty of perjury ( under the laws of the united states, if executed outside of the united states ) that the foregoing is true and correct to the best of my knowledge. Further, I certify that I am permitted by FEDERAL and STATE LAW to file this dispute. I also understand that knowing and willful misstatements or omissions of material facts constitutes a FEDERAL CRIMINAL VIOLATION punishable under 18 USC 1001. Additionally, these misstatements are punishable as perjury under 18 usc 1621. This collection found within my credit report are not related to any transaction that I made. I am alleging that a person or company -without my authorization- used my personal identifying information to apply for goods, services or money and was successful in creating some accounts. All is being investigated by the FTC
|
| 01/30/2023 |
Yes |
- Debt collection
- I do not know
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
I declare under penalty of perjury ( under the laws of the united states, if executed outside of the united states ) that the foregoing is true and correct to the best of my knowledge. Further, I certify that I am permitted by FEDERAL and STATE LAW to file this dispute. I also understand that knowing and willful misstatements or omissions of material facts constitutes a FEDERAL CRIMINAL VIOLATION punishable under 18 USC 1001. Additionally, these misstatements are punishable as perjury under 18 usc 1621. This collection found within my credit report are not related to any transaction that I made. I am alleging that a person or company -without my authorization- used my personal identifying information to apply for goods, services or money and was successful in creating some accounts. All is being investigated by the FTC
|
| 07/15/2022 |
Yes |
- Debt collection
- Other debt
|
- Written notification about debt
- Notification didn't disclose it was an attempt to collect a debt
|
|
Web |
|
|
I ordered XXXX and XXXX XXXX last year and pay the final bill back XXXX and there saying I owe a bill.of XXXX, I never received a bill, because I owe no money to them and it says I owe by XX/XX/XXXX of 2022, it wrong, I don't have XXXX no more because i moved in XXXX to a place called XXXX XXXX on XXXX XXXX XXXX in XXXX and my old address was XXXX XXXX XXXX on XXXX And had no bill send to me until XXXX, I'm not going pay for a bill I didn't make and in collection now with XXXX and have money to pay this bill, because I'm XXXX and can't afford because I can't work to much to pay it and can't find a job okay and shouldn't have pay for some thing I didn't make okay, thank you for reading this note XXXX XXXX, I WOULD LIKE YOU CALL ME AT XXXX XXXX XXXX AND DISPUTE THIS BILL, WHICH I CANT PAY FOR, WHICH IS RUINING MY CREDIT
|
| 10/20/2022 |
Yes |
- Debt collection
- I do not know
|
- Attempts to collect debt not owed
- Debt was result of identity theft
|
|
Web |
|
|
On XX/XX/2022, I attempted to call the company regarding my dispute on my credit account to ask them to remove the false account from their records and my credit report. When I called, an automated message answered, but I asked to speak to a representative. The message then sent me to speak to a woman. She asked me what branch I was trying to reach to. She transferred me to the branch. I was then greeted by another automated message saying that I needed to wait for a representative to come into the phone. I waited for about 20 minutes and after those minutes, the automated message then told me that there was nobody on the line and nobody that I could talk to. Then the phone hung up on their line. So I was not able to talk to a representative and nothing was done on their part because I was not able to talk to them.
|
| 12/04/2022 |
Yes |
- Debt collection
- I do not know
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
I declare under penalty of perjury ( under the laws of United States, if executed outside of the United States ) that the forgoing is true and correct to the best of my knowledge. Further, I certify that I am permitted by FEDERAL and STATE LAW to file this dispute. I also understand that knowing and Willful misstatements or omissions of material facts A FEDERAL CRIMINAL VIOLATIONS punishable under 18 U.S.C. 1001. Additionally, these misstatements are punishable as perjury under 18 U.S.C. 1621. This collection found within my credit report are not related to any transaction that I made. I am alleging that a person or company- without my authorization- used my personal identifying information to apply for goods, services or money ; and, was successful in creating some accounts. All is being investigated by the FTC
|
| 11/29/2021 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
Older American |
|
I recently reviewed my three credit reports for the first time in years. All three show a collection against me by a company known as : MRS BPO. they are attempting to collect a debt from me from XXXX XXXX in the amount of {$1800.00}. First, I have never been contacted by either MRS BPO nor XXXX Mobility by mail, phone or otherwise. Second, I have never had an account with XXXX XXXX. XXXX calls from me to MRS BPO resulted in them just trying to get me to settle. I asked for proof of this debt, they can't! I file disputes with all three credit bureaus, and was declined, apparently due to lack of cooperation by MRS BPO. Their address : XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX. Phone # : XXXX or XXXX. My acct # XXXX. This is someone else 's account, not mine nor any family member 's. Thank You. Possible identity theft?
|
| 08/20/2018 |
Yes |
- Debt collection
- Auto debt
|
- Took or threatened to take negative or legal action
- Threatened or suggested your credit would be damaged
|
|
Web |
|
|
I was sent demands for payment on several occasions by a credit collection agency named MRS Associates of New Jersey that has NOT proven a debt is mine. I received these demands dated XX/XX/2018, XX/XX/2018, XX/XX/2018. I also received a letter from the collection agency, which has no date on it, claiming that documents they recieved from the original creditor proves they have the right to collect from me. I never signed any contract with the debt collection agency. I have sent 2 letters dated XX/XX/2018 and XX/XX/2018 asking for the debt collection agency to validate the debt, but they have not been able to produce the tool of indebtedness they claim I owe them. They have failed to validate my request for proof I have a valid debt with them. This is a violation of my rights under fair debt collection practices.
|
| 05/12/2023 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt was result of identity theft
|
|
Web |
|
|
MRS BPO debt collection agency attempted to collect a utility ( internet ) debt for internet hardware that was the result of identity theft in the creation of an account with XXXX internet services- this account is associated with a physical address at which I have never lived and is using an email address I did not create and have never used. I communicated this to MRS BPO and XXXX and they still added a collections account to my credit report on XX/XX/2023 resulting in a score drop of nearly 50 points across all reporting agencies. This drop has resulted in me being unable to take debt consolidation loans or auto loans and has caused irreparable harm to both my credit score and personal finances. I intend to pursue litigation against both MRS BPO and XXXX if all of my requests are not met in a timely fashion.
|
| 08/02/2016 |
Yes |
- Debt collection
- Other (i.e. phone, health club, etc.)
|
- Cont'd attempts collect debt not owed
- Debt is not mine
|
|
Web |
|
|
Services was contracted with XXXX XXXX and has been contracted with XXXX XXXX for approximately 14 years when recently ( last 1 1/2 years ) and is currently still under contract, the contracted provider started charging excessive fees, interrupted services, billed for services not contracted, failed to render services as contracted, and closed the account without authorization or consideration for number portability. Failed to respond to FCC complaints. ( FCC Complaint # ( s ) : XXXX, XXXX, XXXX, XXXX ) Requesting for consumer, XXXX XXXX XXXX to pay to terminate contract and services not provided and/or billed. Will attach additional information pertaining to payments and services. This is the second collection agency obtained by XXXX and I have not been provided the services I contracted since XXXX XXXX, 2016.
|
| 03/24/2022 |
Yes |
- Debt collection
- Other debt
|
- Communication tactics
- Frequent or repeated calls
|
|
Web |
|
|
I have no knowledge nor do I have any agreements with MRS BPO LLC, XXXX XXXX XXXX. They have placed a collection account on my credit to all 3 credit bureau. They are located in New Jersey and I am located in Georgia. They are aware of XXXX XXXX being a CESTUI QUE VIE trust. That is who is who this CORPORATION is naming as the debtor.
MRS BPO LLC, XXXX XXXX XXXX, knows that they are not mixing private women with a trust but according to FDCPA that is trust fraud saying the woman has responsibility for the trust.
I need every FARA for every employee including the CEO XXXX XXXX, all insurance policies, for this CORPORATION, Carriers, information, Name, address, all employees of MRS BPO LLC and their policy worth, policy numbers, where located, and contact persons for each policy sent to my attention at XXXX.
|
| 10/02/2022 |
Yes |
- Debt collection
- I do not know
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
I sent letters to XXXX, XXXX and XXXX on XX/XX/2022 regarding fraudulent, inaccurate and unverifiable items on my credit report. It has been over 60 days and I have not received a response from anyone. This is a violation of my rights due to not providing a notice of dispute and for failure to communicate that my disputed debt has been disputed. I demand these accounts be blocked, deleted and removed from my consumer report immediately or I will file for litigation. I am trying to obtain credit and these inaccurate, fraudulent and unverifiable items are preventing me from doing so.
I demand these items I disputed in my letters to be blocked, removed and deleted from my consumer report immediately. I am trying to obtain credit and need the bureaus to respond. Please intervene and assist me with this request.
|
| 05/29/2020 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Improper use of your report
- Reporting company used your report improperly
|
|
Web |
|
|
XXXX XXXX has shared my social security number, credit report and confidential information there in without my consent to MRS Associates who illegally and without my consent have violated my privacy.
I am requesting MRS associates and XXXX to remove the false reporting from all three credit agencies and off my credit file as they have not responded to my request in 30 days to prove they have accurate information to receive my confidential information to report to all three credit bureaus.
I have not signed an agreement with MRS and associates to contact me, nor have my confidential information nor report errors to all three credit bureaus.
Therefore the reporting is illegal and inaccurate information given to all three credit bureaus as well as my right to privacy and protection has been been violated.
|
| 11/07/2022 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt was paid
|
|
Web |
Servicemember |
|
Hello, I have been disputing a collection from MRS BPO , LLC that was placed on my credit file to all three bureaus that is incorrect! I did a dispute with XXXX and the collection remains, I did a dispute with XXXX and the collection was removed and then placed back onto my credit file.
I contacted MRS BPO , LLC to ask them why have they placed a collection on my credit file and was told that if I wanted to dispute the collection, that I had to pay them to do a dispute. I've never heard of such a thing and refuse to give a company money to resolve something they did unlawfully.
When I disputed the collection with the credit bureaus I submitted proof, evidence that the account was paid with the original creditor before the collection hit my credit report. I am submitting those same documents of proof.
|
| 01/26/2021 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt was already discharged in bankruptcy and is no longer owed
|
|
Web |
Servicemember |
|
I contacted two different collection agencies XX/XX/XXXX and XX/XX/XXXX about the collection attempt for XXXX XXXX. Neither one has back down from Collection attempts after sending letters to the agency. XX/XX/XXXX contatcted XXXX XXXX Bankruptcy division and the rep was not knowledgeable about her job. The supervisor told her to not transfer her to me because she was getting off early..
The first letter was from XXXX XXXX XXXX XXXX MN dated XX/XX/XXXX. the second letter was from MRS Associates XXXX XXXX NJ Dated XX/XX/XXXX XXXX.forwarded from the very last address that we had service before we totally resolved our relationship with XXXX XXXX XXXX XXXX is not a reputable company very bad experince with hem and their collection agency. I am XXXX rs old. I do not work I get a very very small pension
|
| 10/06/2022 |
Yes |
- Debt collection
- Other debt
|
- Communication tactics
- You told them to stop contacting you, but they keep trying
|
|
Web |
Servicemember |
|
On Monday the XXXX I sent MRS a dispute. Disputing the charges they claim to be trying to collect of {$2800.00} cents. And asked that they stopped calling me and emailing me until they mail a letter showing proof that I, XXXX XXXX XXXX, owe the debt that they claim I owe. Doing so I asked them to stop trying to collect, as well as to not report said debt to the credit agency 's as I do not own said debt. If they were to keep emailing and calling me, which they have been doing while I am at work. That they would be in violation of FDCPA.
Today XX/XX/2022, they called me again to collect this debt, that has been disputed formally. I am requesting all debt collection to top and the debt that I'm being accused of owing, to be terminated from my record all together. As they are now in violation of FDCPA.
|
| 11/28/2017 |
Yes |
- Debt collection
- I do not know
|
- Communication tactics
- Frequent or repeated calls
|
|
Web |
|
|
I am having 2 issues with a company called MRS associates.
1. They are making repeated calls to my cellular number but when i answer the call they disconnect. I know it is them only because when i call back they have an automated answer telling me who it is.
2. When I call back MRS associates will not tell me what debt they are trying to collect or give me any information unless I answer a litany of their questions to " confirm '' information they claim to already have. Since I do not know who these people are or what their scam is I have refused to provide them any information about me. In turn they refuse to tell me what debt they are collecting and they also continue to call. They insist that they have my address and ask me to " confirm it '' but they have yet to send me anything in writing.
|
| 11/23/2022 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt was result of identity theft
|
|
Web |
Servicemember |
|
On XX/XX/23 I called the collection agency " MRO PPO LCC '' about a account in the amojunt of XXXX, that is not mine. I then called them to verify and they told me that, it was opened in XXXX, TN and they could not give me the rest of the infomration. I never lived or drove though XXXX, so they recommend that I call the orginal credior " XXXX XXXX XXXX and XXXX XXXX '', so I called them. Both companies verified that I did not have a account with them and that it looks like someone has been using my information and I keep hearing a name " XXXX XXXX '', who is attached to my new cell phone number. I changed my number to my new one, which is XXXX, 6 months ago and ever since I did, I have been getting calls asking for XXXX about debt. As soon as I got my new number, I think XXXX sold my information.
|
| 09/01/2022 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Information belongs to someone else
|
|
Web |
|
|
On XX/XX/2022 MRS ASSOCIATES added a derogatory mark on my credit report per XXXX. Upon further research, this account was transferred/sold to them from XXXX XXXX XXXX
They did not verify this collection and there was no written form of communication, contract, or signature for this accused debt at all. A bill without a signature does not validate the debt and anybody can send a bill and say it belongs to me.
According to the FCRA, MRS ASSOCIATES has violated my rights as a consumer and I'm requesting legal action to remove this account immediately!
XXXX XXXX XXXX also violated my rights in a similar fashion and I submitted a cfpb complaint ( ID : XXXX ). XXXX XXXX XXXX removed the derogatory mark and has apparently now sold the account to MRS ASSOCIATES who is now violating my rights.
|
| 05/18/2022 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt was paid
|
|
Web |
|
|
I have never received any communication in writing in regards to this debt. Had I received communication, I would have disputed this debt within the 30 day validation period as it was paid directly with the original creditor. I have received numerous calls to my cellphone, although I have never granted permission to this company to call my cellphone. The calls come in multiple times a day and the line is disconnected as soon as I answer. My cellphone being called repeatedly without permission is abusive harassment. I have also attempted to contact this company when they reported this to my credit. However, the computer prompts never direct you to an actual person so I can ask where to send my proof of payment. I did not authorize my information being sent to a third party collection agency.
|
| 08/23/2022 |
Yes |
- Debt collection
- Credit card debt
|
- Took or threatened to take negative or legal action
- Threatened or suggested your credit would be damaged
|
|
Web |
|
|
I have 2 complaints I am trying to fix my credit so I can establish my credit score and according to my report I was surprised to see 2negative reports because I dont have credit and capital one says I owe XXXX I have never had a credit card thru that company the acct number XXXX from MRS BPO I dont know where that charge came from but it was not me and then XXXX has just reported that I owe XXXX I dont have and never would sign up for XXXX I have XXXX XXXX for years someone has used my identity and fraudulently signed me up for these 2 acts that are not mine the acct number for XXXX is XXXX XXXX XXXX i have never had a phone from them And I never ever used that phone number my name is XXXX XXXX XXXX XXXX XXXX please I need XXXX off my credit report these are totally false acct in my name
|
| 05/07/2017 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Account status incorrect
|
|
Web |
|
|
I have student loans through XXXX XXXX . I pay a company called MRS BPO for these loans. They are paid on time each month for the last 4 years. Approximately 3-4 times per year, MRS-BPO does not provide my up to date payment information to XXXX XXXX . Which then causes them to report a payment as late to the credit reporting agencies. This has now happened again for the month of XXXX . My payment was made via automatic draft on 4/15 as it is every month. I was just notified of a negative report on my credit monitoring service stating that XXXX XXXX is reporting the account as 60 days late yet again. I am in the process of repairing my credit report in order to buy a house. Their reporting of my account could greatly hinder my ability to get a mortgage in a timely fashion.
|
| 09/24/2021 |
Yes |
- Debt collection
- I do not know
|
- Written notification about debt
- Didn't receive enough information to verify debt
|
|
Web |
|
|
I have been disputing this account with the credit bureaus for sometime now. Each time they would say that MRSBO would verify the debt. So I took it upon myself to ask MRSBO for validation of the debt. Are they legally able to collect on the debt? How did they calculate the amount they claim I owe? How do they know I am the owner of the debt? Im curious because I have never done business with them or the original creditor. Well, it has been more than 30 days and I still have not received anything proving the debt is mine. They received my letter on XX/XX/XXXX. Here is the tracking XXXX XXXX XXXX XXXX XXXX. I was under the impression that if they didn't respond it would automatically deleted from my credit reports. Silence is being in agreeance. I am sure there is a law that proves it.
|
| 05/05/2020 |
Yes |
- Debt collection
- Other debt
|
- Written notification about debt
- Didn't receive notice of right to dispute
|
|
Web |
|
|
I received a call on XX/XX/ 2020 asking if I were going to pay a cell phone debt of the amount {$1200.00} I explained I have been with my current cell phone company over 8 years I have no knowledge of this debt can I please have something in writing and I do not verify this debt and now I see if this debt is mine I were told from the rep that I have been warn and now this debt is showing as a collection on my debt. If this debt is mine I never agreed to this debt and I don't know if this debt is mine and if legally they can still sue for this debt. Nor did this company ever verify the debt I gave them my P. O. Box address to sent correspondence still to no prevail I still haven't received anything from this company for me to dispute they just added it to my credit as an collection
|
| 02/12/2021 |
Yes |
- Debt collection
- I do not know
|
- False statements or representation
- Indicated you were committing crime by not paying debt
|
|
Web |
|
|
On XX/XX/2021, at XXXX ( Pacific Standard Time ) The caller, MRS Associates XXXX using a robot or automated voice, asked for my Social Security Number. I responded by saying I do not give my SS Number over the phone and hung up. I have no debt. This is likely an attempt at fraud of some sort. Perhaps to trick me into thinking I owe some debt of a person with a name similar to mine.
MRS Associates or MRS BPO is a third-party collection agency based in New Jersey. MRS has received consumer complaints alleging violations of the Fair Debt Collection Practices Act XXXX FDCPA XXXX, such as failing to provide written verification of debts and threatening to take actions that can not legally be taken. The foregoing according to Lemberg Law. I believe that " robot calls '' are illegal.
|
| 08/07/2023 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
I am received numerous texts from a company claiming to be MRS BPO , LLC asking us to contact them at ( XXXX ) XXXX regarding a matter with XXXX XXXX. They also provide the web address of portal.mrsbpo.com. They have an opt out option and we have replied to that opt out numerous times and block the numbers. However, daily for the past XXXX weeks at least, they keep texting the same message from a new number. We do not have an existing account or relationship with XXXX XXXX and certainly don't owe them money. Regardless, this company is not adhering to our requests to stop messaging me. I feel as though this is a scam artist and do not want to contact them using this information provided for fear that they will use that to attempt to hack or steal more of my information.
|
| 02/04/2017 |
Yes |
- Debt collection
- Other (i.e. phone, health club, etc.)
|
- Cont'd attempts collect debt not owed
- Debt was paid
|
|
Web |
|
|
XXXX had a billing issue when I moved several years ago, and " could n't find me in the system '' despite the fact that I was still a paying customer at a different address. So they submitted a {$90.00} debt ( which I did validly owe ) to debt collections. Got a phone call from the debt collections agency, called XXXX, and then I paid the debt immediately to XXXX, and the whole issue should have gone away.
Now, 3 times subsequently, the same {$90.00} charge supposedly attributed to XXXX has gone to a new debt collection agencies. Each time I call XXXX, and they claim that they have nothing to do with it.
I 've contested the collections notice with XXXX and XXXX and they still pop up.
It 's outrageous, and it 's hurting my credit rating. I have no idea what to do.
|
| 10/16/2017 |
Yes |
- Debt collection
- Other debt
|
- Communication tactics
- Frequent or repeated calls
|
|
Web |
|
|
This company contacts me every day, several times of day. When I answer the phone they do not identify themselves and they ask for personal information, such as the last 4 of my social security number. They are attempting to collect a debt that I do not owe! I 've asked for a dispute and they refuse to dispute it. They say that the only thing they will do is mark the debt as fraudulent activity. I 've asked them not to call me and they say it 'll be 24-48 hours before they will remove me from the calling system. That time frame has passed several times and yet they still contact me. The tepresentives on the phone are disrespectful and unhelpful. They called XX/XX/XXXX and again today on XX/XX/XXXX. I 've had to ignore their calls several times while I 'm at work.
|
| 08/20/2021 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Problem with fraud alerts or security freezes
|
|
Web |
|
|
A COLLECTION ACCOUTN WAS PLACED BY COLLECTION AGENCY MRS BPO ASSOCIATES ABOUT A ACCOUNT FROM DISCOUNT POWER. I MADE A DISPUTE THROUGH XXXX AND THE ACCOUNT FELL OFF MY CREDIT REPORT, HOWEVER I ALSO MADE IT THROUGH XXXX AND THE DISPUTE WAS UNSUCCESFUL. I CALLED THE ORIGINAL ACCOUNT HOLDER DISCOUNT POWER TO FORMALLY DISPUTE AND THEY PROVIDED ME WITH THE FOLLOWING INFORAMATION THAT MY SOCIAL SECURITY IS NOT MATCHING MY FULL NAME XXXX XXXX AND ADDRESS THAT IS ON FILE IS NOT MATCHING MY CURRENT ADDRESS THAT I HAVE OBTAINED FOR 4 YEARS. THE COMPANY AGREED TO REMOVE IT AS LONG AS I HAVE A FRAUD CASE REPORT TO PROOF THIS ACTIVITY. I ALSO HAVE FROZEN MY ACCOUNT FOR FUTURE FRAUDS TO BE HAULTED FROM BEING USED. XXXX HAS ALSO AGREEDED TO THE REDISPUTE WITH THE FRAUD REPORT
|
| 11/08/2023 |
Yes |
- Debt collection
- Other debt
|
- Communication tactics
- You told them to stop contacting you, but they keep trying
|
|
Web |
|
|
I told them that I had been receiving a call from them every day for the last month and a half, and when I answered nobody would say anything. I had told them I was attorney-represented. The representative, without talking about an account or anything, said that my information was also associated with someone else 's account, and she would get that taken off immediately so they would quit calling. Then she told me to have a great day, and she was sorry. When we hung up, my caller ID had changed to ( XXXX ) XXXX out of XXXX, XXXX. True spoofed Robocall. I'm not sure why nobody answers when I answer the phone. The spoofing switchover might be causing it to drop, and showing a second call. I'm just speculating from what I quickly searched online. Thank you!
|
| 03/10/2018 |
Yes |
- Debt collection
- Auto debt
|
- Attempts to collect debt not owed
- Debt was already discharged in bankruptcy and is no longer owed
|
|
Web |
Servicemember |
|
I have received multiple credit collection notices from MRS Associates, XXXX XXXX XXXX, XXXX XXXX, NJ XXXX, XXXX. I have sent a letter indicating that this debt has been dismissed on a final Chap XXXX Bankruptcy in XX/XX/2017, however, they continue to send notices. I have received numerous phone calls from this company and I have either referred them to my attorney and/or have told them to stop harassing me. I have also informed them by phone that this debt has been included in my personal/business bankruptcy. They persist and this has caused me and my family undue XXXX XXXX.I am a XXXX XXXX and have been housebound for the last three months due to a service connected injury. I am suffering from XXXX and XXXX and can't take anymore of this harassment.
|
| 09/22/2023 |
Yes |
- Debt collection
- I do not know
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
Received call from MRS BPO LLC and they hung up on me. I'm on the do not call registry and I went online to find out who this company is and it says it's a debt collector and I do not owe any debts of any kind so I tried to call them back and reach them and the phone rang for over 10 minutes with no answer. They have called me in the past and I've blocked numbers that they've called from and they always hang up on me I feel like they're trying to verify that it's a legitimate phone number and maybe sell my information because I otherwise don't understand why they would call and then hang up on me if they were trying to collect a debt and like I said I do not owe any debts of any kind My credit score is perfect I pay everything on time and always have.
|
| 09/10/2021 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
A debt was charged to my credit by a person with the same name.
Called the debt collection company on XX/XX/XXXX, and they removed the debt from my credit.
They reissued the same debt XX/XX/XXXX.
This is not my debt.
Account Name Account Number Balance Monthly Payment XXXX XXXX XXXX {$1500.00} - - - Address XXXX XXXX XXXX XXXX XXXX, NJ XXXX Phone ( XXXX ) XXXX Date Opened XX/XX/XXXX Responsibility Individual Account Account Type Open Account Loan Type COLLECTION AGENCY/ATTORNEY Date Updated XX/XX/XXXX High Balance {$1500.00} Original Creditor XXXX MOBILITY Past Due {$1500.00} Pay Status >In Collection< Estimated month and year this item will be removed XX/XX/XXXX Remarks Account information disputed by consumer ( FCRA ) ; >PLACED FOR COLLECTION<
|
| 10/29/2020 |
Yes |
- Debt collection
- Other debt
|
- Written notification about debt
- Didn't receive notice of right to dispute
|
|
Web |
|
|
I received a notification alert from XXXX regarding a collection acc # XXXX. I immediately contacted XXXX about this issue and explained to them that I did not open this account and this account is very much fraudulent because I am a victim of identity theft. XXXX told me to contact the collection agency or file a police report. I contacted the collection agency and they failed to provide information about the debt. I was not notified of this debt by the collection agency or original company. I have not knowledge of this debt and I am a victim of identity theft. The debt is in the amount of {$1100.00}. The collection agency name is MRS Associates. This is also indirect communication because no one contacted me in regards to this alleged debt owed.
|
| 04/28/2020 |
Yes |
- Debt collection
- Other debt
|
- Written notification about debt
- Didn't receive notice of right to dispute
|
|
Web |
|
|
On XX/XX/2020 my lender checked my credit ( since I am the middle of my last phase of the closing today!!! But I was rejecting due to an a collection in my credit .This account was paid to my provider XXXX XXXX on XX/XX/2020.
I tough was a mistake since I never recieved any notification, I called no complaint officer the manager she cant remove it. But when I ask about the days of report clearly the days doesnt much they never gave me the 30 days notice to either dispute o paid the account was place ( under the superviser statement on XX/XX/2020 they " gave me '' a 45 days before they report in my credit but my credit show otherwise less of 30 days.
That is completely a violation I paid directly to XXXX XXXX attach proof of the last statement
|
| 07/11/2023 |
Yes |
- Debt collection
- Other debt
|
- Communication tactics
- Frequent or repeated calls
|
|
Web |
Older American |
|
Receiving repeated texts about account I never had and do not owe. The text comes from XXXX and reads as follows : " Please contact MRS.BPO LLC at XXXX regarding a matter for XXXX XXXX.
MRS is debt collector. If you want to opt out of future text messages reply withSTOP.
visit us at .XXXXMRS.BPO.COM To see important rights and information click MRSBPO.COM/STATE- DISCLOSURES '' I have replied with STOP multiple times but they keep sending these texts. I have not clicked on the link or gone to the website because I don't want them electronically capturing my information.
Also I do not have a XXXX account of any kind nor do I owe them any money. I have verified this with XXXX 3 separate times. I am fed up with these fraudulent crooks harrassment!
|
| 04/09/2019 |
Yes |
- Debt collection
- Other debt
|
- Written notification about debt
- Didn't receive enough information to verify debt
|
|
Web |
|
|
I am asking that mrs bpo llc document materials forwarded to XXXX XXXX, XXXX, XXXX for me, mrs bpo llc as concerns the unsubstantiated account number. Since as error may be present within that information, I respectfully demand that you transmit this documentation quickly. Also please supplement with materials which verify that the account was established legally. I do not want just a cursory account history. Instead, I have requisitioned a detailed verification. If you can not meet these reasonable requests during the month following receipt, account summaries transmitted by mrs bpo llc to the three consumer reporting agencies must be considered false and may bespeak a statutory violation. In that case.you must erase that bureau without delay.
|
| 06/11/2023 |
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
|
|
Web |
|
|
In XX/XX/21 I was sent to collections by XXXX which was for and account that was not mine They refused to do anything about it or give me any information other than the address for the account that I did not open and I had never lived at that address.
Once in collections, I disputed the debt through each of the XXXX credit bureaus and the debt was removed from my credit report until recently.
On my XXXX report the debt has shown up again. I have disputed it both times and they say that the account is mine. They even added the address of the XXXX account to my credit report.
If the debt wasn't proven to be mine during the first round of disputes, why would it stay on my report now and why is XXXX the only bureau it is able to get onto?
|
| 10/17/2020 |
Yes |
- Debt collection
- I do not know
|
- Written notification about debt
- Didn't receive notice of right to dispute
|
|
Web |
|
|
XX/XX/2020 MRS BPO placed a collection account on my credit report in that amount of {$290.00} I called and ask the rep why was this account showing on my credit report. She asked my name and address and stated she couldn't find me in her system and told me to dispute the charge. I told her if she could not find my name and address in her system then how was this account placed on my credit report? To no avail could the rep answer my questions. I never received any mail or phone calls from this company yet an account for {$290.00} was placed on my credit report. I need help for I have no knowledge of this account or company. MRS BPO XXXX XXXX XXXX XXXX XXXX, NJ XXXX with a phone number of XXXX is on my credit report as an collection account.
|
| 06/22/2019 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
The following collection item showed up on my credit report in XX/XX/2019 : MRS BPO # : XXXX XXXX XXXX XXXX XXXX XXXX , NJ XXXX ( XXXX ) XXXX Placed for Collection : XX/XX/2019 Responsibility : Individual Account DateUpdated : XX/XX/2019 Original Amount : {$100.00} Original Creditor : XXXX ( Cable/Cellular ) Past Due : > $ XXXX< Pay Status : >In Collection< Remarks : >PLACED FOR COLLECTION< I have no idea what this is for. I do not do any business with XXXX. I disputed this account with XXXX and XXXX. XXXX removed the item from my credit report but XXXX returned results of 'VERIFIED AS ACCURATE '. This is NOT correct. I do not have any business dealings with XXXX or MRS BPO and therefore this item should NOT be listed on my credit report.
|
| 04/28/2022 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
I had a monthly service with XXXX XXXX. On a specific occasion, I requested an add-on to my plan to allow for international data service. I then requested to have the add-on removed from my plan. XXXX nor myself were able to remove the feature due to an error message. Many different representatives at XXXX attempted to correct this but were not able to. Because of this, my phone bill continued to incur charges that amounted to a substantial amount of overage charges. I disputed this with XXXX after disconnecting my service with them, and they have referred my account to a collection agency, which is not allowing my dispute via XXXX credit agency to obtain written communications that occured between myself and several XXXX representatives.
|
| 08/25/2021 |
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
|
|
Web |
|
|
I am a victim of identity theft. Due to the Corona Virus Pandemic, we are all facing which has me sitting still at home and I saw the recent news about the multiple XXXX Data breaches. I decided to look at my credit reports from the 3 major credit bureaus and found that someone had used my Identity. I have no idea how the theft took place. I also have no knowledge of any suspects. I did not receive any money, goods, or services as a result of identity theft. I contacted the Credit Bureau and told me to file an Identity Theft Report which I am doing. I appreciate your effort in getting this matter resolved. Thank you. Please let me know if you need any other information from me to block this information from my credit report. Thank you.
|
| 08/08/2021 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt was paid
|
|
Web |
Servicemember |
|
I was in process to refi my house and discovered a collection account from MRS BPO in the amount of {$210.00}. This was a debt i informed them had been paid direct to XXXX in XXXX of XXXX, for an account closed from XX/XX/XXXX. At advice of my loan officer was to pay and request a deletion for better rates. I called XXXX XX/XX/XXXX requested that if I pay would they remove from my credit report. She informed me that once XXXX notified them balance is paid it would be deleted. Now they are saying they never stated that, and that they cant delete collection items reported to Credit Agency, but yet they can put it on my report. Please be careful and know rights as I should have used a pay for deletion agreement. Unprofessional practices
|
| 09/18/2018 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Account status incorrect
|
|
Web |
|
|
MRS BPO is the only negative account on my credit report. I do not believe I owe on this account and have been unsuccessful in obtaining documentation, but worse this is a third party collection company masquerading as a credit grantor. Third party collection companies may not report as open / active type of tradelines. This has extremely effected my credit score, as my only negative account, as it shows it's an open active account that is currently not being paid on time. It also updates monthly as an active account. Only original credit grantors may report accounts as open / active, or report account type as anything other than 'collection '. Collection companies do this to have the maximum impact on your score, and it is illegal.
|
| 06/29/2019 |
Yes |
- Debt collection
- Credit card debt
|
- Written notification about debt
- Didn't receive enough information to verify debt
|
|
Web |
|
|
I XXXX XXXX along with my wife XXXX XXXX are in a position to file for a Chapter XXXX bankruptcy. However, as a means of pursuing a reasonable procedure to get out of debt over the next year without such a drastic step, we are requesting very low settlements in the 20 % range of where our debts were at the last payment. Accordingly, we believe that we only have one chance at this, and if we do not start receiving settlement offers soon, we will retain the bankruptcy attorney we recently consulted. Therefore, we request letters of settlement, and we request the cease and desist from all calls to our home, cell and/or work. We desire to resolve these matters in written form only.
Thank you for your consideration in this matter.
|
| 06/30/2023 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt was result of identity theft
|
|
Web |
|
|
On XXXX I flew into XXXX XXXX XXXX and my luggage was stolen. Inside the luggage were my drivers license, birth certificate, social security card, and debit cards. Over the course of a few months I began to notice that my information was used to obtain medical treatment, credit, banking accounts, and public service utilities. I contacted XXXX, XXXX and XXXX respectively to make them aware that there was debt incurred fraudulently and that it was reporting negatively to my consumer report. I disputed those items and placed fraud alerts on my consumer report over the years but XXXX, XXXX and XXXX continue reporting each fraudulent account despite my numerous disputes over the last 7 years almost. A police report has been filed.
|
| 11/24/2021 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Problem with a credit reporting company's investigation into an existing problem
- Investigation took more than 30 days
|
|
Web |
|
|
XXXX 2016/credit report. XXXX and XX/XX/2021 Collections and Harassment have company MRS on it, but shows on the credit report as XXXX funding. Amounts are inconsistent across the board, Balance, as well as high credit. In addition to the settlement, request is higher than the amount being reported. I requested the information for the GAP coverage and requested proof of the debt, as well and they only continued to produce their collection letters and a turn in settlement invoice. Here are all the amounts that are inconsistent {$15000.00} {$9400.00} {$16000.00}.
Including correspondence to and from them as well as how it shows on my credit report. I am also sending you proof that XXXX removed this from my report already.
|
| 09/22/2022 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
I noticed a collection on my credit report on XX/XX/22 that wasn't supposed to be there. That day, I filed a dispute with XXXX. I was notified that the " debt belongs to '' me on XX/XX/22. Despite my efforts, I haven't been able to reach anyone at the collection agency, MRS BPO, until XX/XX/22. MRS BPO informed me that the original debtor, XXXX XXXX XXXX XXXX ( XXXX ), would handle the dispute. XXXX advised me to file a police report and file a report on the Federal Trade Commission website about the issue. It was opened on XX/XX/22 and is due {$540.00}. The address involved with the account is XXXX XXXX XXXX XXXX XXXX, XXXX TX, XXXX. XXXX is the phone number associated with the account. The account number is XXXX.
|
| 04/01/2022 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt was result of identity theft
|
|
Web |
|
|
Hi, My name is XXXX XXXX, on XX/XX/2022 I received my weekly credit report from XXXX only to see that a debt of {$730.00} has been reported by Mrs Associate with a phone number and address not associated to me, I called Mrs Associate to find out what the charges is all about and the person I spoke with requested for my social security number to find out, he then get back to me and said he could not establish the vendor or company that reported the debt to Mrs Associate that I should call XXXX to find out who reported the claim and have been trying to speak to an XXXX representative and have not been able to and this is seriously damaging my hard earned credit. Please i need help so i can start re-building my credit
|
| 10/14/2022 |
Yes |
- Debt collection
- Other debt
|
- Communication tactics
- You told them to stop contacting you, but they keep trying
|
|
Web |
|
|
Returning home after being displaced because hurricane ida in XX/XX/2021, my family and I attended an event that was offering free food, free legal assistance, assistance with fema, and other different free resources. Att was also on-site and to my knowledge offering free phones with two months of free service. The phone was eventually disconnected only 30 days later, and apparently not free because here I am currently in the process of disputing these charges from my credit report. I feel that this company preyed on myself and several other people that were in a very vulnerable state at that moment. I wasnt financially able to pay my rent at the moment, so I definitely wouldnt have agreed to take on another bill.
|
| 08/29/2022 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt was result of identity theft
|
|
Web |
|
|
On XX/XX/XXXX I was advised that a collection account was placed on my credit report by MRS Associates on behalf of XXXX XXXX for a balance of {$1600.00}. Upon further investigation I learned that a utility account was opened using my information for service address XXXX XXXX XXXX, XXXX XXXX, XXXX TX XXXX. I've never lived at this address nor do I know anyone who does or did. The account was opened in XX/XX/XXXX and final bill date was XX/XX/XXXX. I have lived at my current address in Maryland for the past XXXX years with no breaks. This is not my debt and is clearly a matter of identity theft. I have attached a copy of the police report as well as proof that I've owned and lived at my current address since XXXX.
|
| 09/18/2023 |
Yes |
- Debt collection
- Telecommunications debt
|
- Electronic communications
- You told them to stop contacting you, but they keep trying
|
|
Web |
|
|
I am using this entity to demand payment for violations begore i file a suit in federal court.
I have told them to stop amd thry continue to text me : XX/XX/XXXX I received a text message XX/XX/XXXX I put them on notice about refusal of paying the alleged debt Still obtained text messaged on the fallowing days XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX Legal actions by debt collectors Also violation of Identity theft, 15 USC 1681a4, as I have absolutely no contract with them and they gave a hold of my personal information eith out my permission.
Please pay me a total of XXXX for the above mention violation I will post the proof of screen shots below.
Act accordingly and avoid bring sued in federal court.
|
| 06/01/2023 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Information belongs to someone else
|
|
Web |
|
|
You are in Direct Violation of The Fair Credit Reporting Act ( XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX, XXXX XXXX, XXXX ), has violated several of my rights.
16 U.S.C 1681 section 602 A. Clearly states that I have the right to privacy.
15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions.
15 U.S.C 1666B : A creditor may not treat a payment on a credit card account under an open-end consumer credit plan as late for any purpose.
Remove these late payment and update this account immediately as you are in direct violation of several laws under The Fair Credit Reporting Act.
|
| 10/21/2021 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
In XXXX of this year, 2021, when I was applying for a loan, my credit was ran and a derogatory account appeared on my credit report that negatively impacted my credit score. The original creditor, XXXX XXXX, a company in the state of Texas, sent the past due bill for {$83.00} to a collection agency by the name of MRS ASSOCIATES. I have lived in the state of Oregon since the age of six and have never opened an account with XXXX XXXX in Texas. I called MRS ASSOCIATES to dispute the account and I was told to send an email, so I did in XXXX, but never received a response. I feel I am a victim of identity theft and need this fraud removed from my credit report so that I can keep improving my credit score.
|
| 06/01/2023 |
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
|
|
Web |
|
|
I do not know where this came from company is MRS BPO The account should not be furnished on my consumer report as they are in violation! Under 15 U.S Code 1681b- Permissible purposes of consumer report ( a ) IN GENERAL Subject to subsection ( c ) any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) in accordance with WRITTEN INSTRUCTION of consumer to who it relates. I NEVET gave any consumer reporting agency WRITTEN CONSENT to report anything on my consumer report which violates my rights as a federal protected consumer. No CONSENT IS IDENTITY THEFT. As a consumer I am asking the deletion of this account immediately. Thank you so much
|
| 02/22/2018 |
Yes |
- Debt collection
- Auto debt
|
- Threatened to contact someone or share information improperly
- Contacted your employer
|
|
Web |
|
|
on XX/XX/2018 at XXXX XXXX, XXXX XXXX ( for XXXX XXXX ), called my job at XXXX about a debt that was owe and off my credit report and talk to my coworker about the problem. didn't verified any information regarding the debt, just asked for my name. and told all personal information about this debt. the person that was talking on the phone from XXXX XXXX was XXXX XXXX. i have repeatedly had phone calls from this company with harassment, and i told them to stop calling. Their number is XXXX and the reference number is XXXX. they also been calling my phone number XXXX multiple times. i didnt authorize this company or XXXX XXXX to call my place of work, relatives or cell phone in regards to this debt.
|
| 04/07/2022 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt was result of identity theft
|
|
Web |
|
|
Someone opened an XXXX & XXXX cell phone as count using my identity. They somehow ran up a {$3500.00} bill and it is now appearing on my credit report. I disputed the account through the credit bureau and it was removed initially. It showed up again on XX/XX/XXXX. I filed another dispute that was denied. I called the collector to dispute the account, who then advised me to call XXXX XXXX XXXX. I called XXXX XXXX XXXX, was transferred around their call centers until I was finally on hold and a message indicated I couldnt be helped over the phone, but I could visit a website they offered to dispute the account. The website had a link to XXXX, the credit Bureau I initially disputed the account with.
|
| 03/01/2018 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt was result of identity theft
|
|
Web |
|
|
I do not know who this company is or why they are contacting me about a XXXX XXXX XXXX. I called and they can not provide a validation of my account or any information but placed it on my credit report. I was told they tried to call in XX/XX/2017 and couldnt reach me at a number I had never heard of. I further asked if I was ever contacted via mail and they said they are not required to mail anything as a phone call is sufficient. This appeared on my report out of no where and I want it deleted immediately! I was told by their rep they are not required to know the FCRA rules cause its a third party collection agency and they purchased the debt and thats good enough for them to say its mine.
|
| 01/22/2023 |
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
|
|
Web |
Servicemember |
|
I have paid a collection off in XX/XX/XXXX. The closed account reported a collections on XXXX of XXXX. I am trying to get this removed from my account. Please help me with this. I have reported this to XXXX XXXX and they said they did not report this, only the credit reporting agencies can change this. I reported this to XXXX XXXX XXXX XXXX, and all XXXX said it met their reporting standards even after I have called each reporting company twice to get this account removed or updated. I have filed a complaint with cfpb and this account has NOT been verified or updated. The account is XXXX XXXX. See attached documents. I would like this account removed from my credit report immediately.
|
| 11/11/2020 |
Yes |
- Debt collection
- Other debt
|
- Took or threatened to take negative or legal action
- Threatened or suggested your credit would be damaged
|
|
Web |
|
|
A company by the name of MRS BPO showed up on my credit report to collect on a debt that was provided to them from XXXX XXXX XXXX XXXX - this debt is not mine and I have had multiple conversations with XXXX on this matter.
When relaying this information to MRS BPO they stated they didn't care what I had provided to XXXX of proof of address and/or that this was not my account and that this was my debt no matter what - they would ensure this would stay on my credit and ruin my chance to do business with other utility service providers until I paid this debt.
I want this removed - I want this company flagged - I want this debt to be cleared from my social security number at once.
|
| 02/23/2023 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
my internet/cable was paid but XXXX said that XXXX was ordered many times via a button on the remote I explained to them that I did not order any XXXX or other movie channel neither did my grandmother they say it could be done via one button on the remote which I ask them to fix and they told me they did then I disconnected the service because they still kept billing me on that I paid them what I know was owed from when I disconnected the service but spectrum refuse to acknowledge that my service was off and continued to bill me. the next thing I notice I'm getting calls from some debt collecter Bpo I'm a full-time student and can not afford to pay anyone at this point. thank you.
|
| 05/05/2023 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
I have been receiving scam likely calls from an agency on behave of XXXX XXXX XXXX claiming I owe a debt. So after I seen they reported the debt to credit bureaus I reach out to the company. MRS BPO is the company. I talk to someone and claim I owe a debt of XXXX and I explained that I dont even have XXXX XXXX XXXX in my regular name and thats its in my LLC and in order to put it in your LLC name I had to pay any remaining balances and all of my phones off at that moment and I did. Now its it my LLC name and its set on auto pay so I dont have to worry about owed payments. After that they got quite on the phone and left me on hold for 20mins then I hung up. Seems real scam likely.
|
| 09/25/2018 |
Yes |
- Debt collection
- I do not know
|
- Written notification about debt
- Didn't receive enough information to verify debt
|
|
Web |
Servicemember |
|
Company place debt on my credit report in the amount of XXXX and I have NEVER received contact from this company and have no idea who they are. Company has not responded to requests for validation. Credit report does not state what alleged debt is for, there was no validation received, and no notification was sent in the form of a letter from agency hindering my right to dispute debt before it was placed on my report. there was no initial contact made by company before debt was placed on my credit report. The alleged debt ( not verified by company ) was placed on my report and could potentially hinder future job promotion, placement, and/or housing for myself and children.
|
| 05/26/2021 |
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
|
|
Web |
|
|
XX/XX/21 contacted Mrs BPO , LLC XXXX and couldnt speak with live person regarding fraudulent account in amount of {$630.00} XX/XX/21 contacted Mrs ASSOC XXXX for {$630.00} reported to XXXX for collections. XXXX answered phone at XXXXXXXX XXXX CST and provided a different number XXXX. I called and only had automated options, none which applied to fraud.
XX/XX/21 XXXXXXXX XXXX CDT called XXXX direct. XXXX with dispute team is disputing above two entities.
I was advised if i contacted FTC personally I would get quicker results. Feel free to contact me if i may be of further assistance. My identity was stolen 18 mo ago. I do not know or owe either vendors above any money.
|
| 03/05/2021 |
Yes |
- Debt collection
- Auto debt
|
- Took or threatened to take negative or legal action
- Collected or attempted to collect exempt funds
|
|
Web |
|
|
MRS BPO LLC, Inc. uses tactics like using caller ID spoofing calls.These spoofed calls ( have same area code and the first 3 digit similar to my phone number ) call me as early as XXXX pst. and they called a dozen times a day for 3 to 4 consecutive days before they actually used a legit or real phone number ( XXXX and XXXX ). When they called or leave a message with a real phone number. Conversations and messages are about the seriousness of a legal matter and if I don't respond, they threatened to garnish and withhold my SSA payments. Send CEASE and DESIST messages by text to both real phone numbers of MRS BPO LLC, Inc. on numerous times since XX/XX/2020 but to no avail.
|
| 12/21/2021 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt was result of identity theft
|
|
Web |
|
|
On XX/XX/XXXX XXXX my debit card was stolen. Once I noticed my debit card missing I call the bank to cancel my card. XXXX XXXX told me to file a police report which I did on XXXX. I have file a fraud claim to dispute for the charges, on XXXX, XXXX, XXXX, XXXX, XXXX, XXXX they have denied all my claim. I have sent them all the information they have requested and still DENIED. XXXX XXXX has closed my account and send me to collections. I just received another letter today. When I call the collection office refer me back to XXXX XXXX.XXXX have denied my claim even after sending them a police report. Its discrimination, Belittling, just plain harassment and gender profiling.
|
| 05/16/2022 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
On XX/XX/XXXX, I received a call from an unknown number for which no voicemail was left. I called the number back and was informed that I owed a debt to XXXX for an amount of ~ {$130.00}. I told them that that was impossible as the XXXX bill was handled through the property management of my previous address that I moved out of in XXXX. I told them that I am disputing this and that this is not a debt that I owe. When I told them this I was told that I would need to be the one that needs to contact XXXX XXXX XXXX regarding this. That is patently false. I have not received ANY written notification regarding this debt, not have I received anything that verified this debt. T
|
| 06/19/2022 |
Yes |
- Debt collection
- Other debt
|
- Communication tactics
- You told them to stop contacting you, but they keep trying
|
|
Web |
|
|
On XX/XX/XXXX, I received a response to my initial complaint to MRS BPO LLC where they stated that they would stop contacting me regarding a debt that I did not owe and was a result of identity theft from the previous property manager of my apartment. Since that day, they continue to email and call me to collect on this knowing that this is in dispute. This is illegal and should they continue I will will contact Utah 's Attorney General and seek a criminal complaint for harassment and pursuing a federal lawsuit for their blatant violation of the FDCPA. I no longer lived at the property during the time period they are trying to collect for as my lease ended XX/XX/XXXX.
|
| 10/10/2020 |
Yes |
- Debt collection
- I do not know
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
I received collection letter on XX/XX/2020.
I sent the Debt Collection Validation Request letter back on XX/XX/2020 which is within the 30 days response time frame.
I did not receive any response from MRS BPO , LLC They are trying to collect the debt that is not mine. I do not owe this debt.
I asked them via letter to provide me with the evidences that the debt is mine, but I did not receive anything back.
And now, collection is appeared on my credit report and my almost perfect score was damaged by wrongfully claimed debt of mine. Amount is only {$94.00} but I do not owe them anything.
Because of this false attempt of collecting debt is hurting my credit score.
|
| 12/09/2019 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt was paid
|
|
Web |
|
|
I paid this bill through XXXX XXXX XXXX on XX/XX/2019 in the correct amount of {$140.00}. I have the emails and proof payment was made.
Debt collector states {$140.00} and is saying the wrong amount. I have never been contacted by this MRS Company. I recently started a new XXXX account due to a move in XXXX and she reviewed my previous account and EVERYTHING was paid and to date. She opened the new account with no deposits or fees necessary. Thus, I would not have been allowed to open a new account if I still owed money.
I have everything needed to prove this was paid in full and that this collection person never even attempted to contact me and I DO NOT OWE IT
|
| 12/17/2018 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
Back in XXXX I received a letter from : MRS BPO , LLC XXXX XXXX XXXX XXXX XXXX, NJ XXXX Under the acct # XXXX indicating that a debt from XXXX was owed. This was disputed as I did not have a contract with XXXX nor MRS BPO LLC, and sent via certified letter back to the company. At the company an individual named XXXX XXXX signed for it on XX/XX/2018. I now in XXXX have received the same letter from the same company for the same debt under a new acct # XXXX, and they're saying they didn't receive the certified letter for the previous acct number that was listed, and it has a new acct number because the debt was transferred between departments within their company.
|
| 08/27/2018 |
Yes |
- Debt collection
- I do not know
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
After checking my credit report recently I began to do more investigating. I discovered several accounts that I am not familiar with. In the past, I have been a victim of identity theft, so I asked the companies to give me more information about the debt. On XX/XX/XXXX I sent the creditor a letter asking for additional information regarding the debt they are attempting to collect from me. They have failed to respond to my request but continue to report the information to the credit bureaus. They are in direct violation of the Fair Debt Collection Practices Act 1692 which states they are to provide this information upon my request or cease collection activity.
|
| 05/23/2018 |
Yes |
- Debt collection
- Other debt
|
- Written notification about debt
- Didn't receive notice of right to dispute
|
|
Web |
Older American |
|
MRS BPO LLC has flagged your account as Collections.
Accounts in Collections are accounts that are seriously overdue and have been turned over to a collection agency. These type of accounts may negatively impact your Credit Scores.
Alert Details Alert Date XX/XX/2018 Source XXXX XXXX MRS BPO LLC Address XXXX XXXX XXXX XXXX XXXX, NJ XXXX Phone XXXX Activity Collection Department/Attorney/Agency Balance Date XX/XX/2018 Balance {$220.00} Is anything incorrect?
Visit Dispute Center. This Company has done this over and over to me.this is not right this was paid and remove from my credit reports in the past.I want them to have to pay for damages to my credit
|
| 04/06/2017 |
Yes |
|
- Incorrect information on credit report
- Account terms
|
|
Web |
|
|
I have a debt that began with XXXX . There was a payment plan started that I was payment on auto withdrawal from my bank account. The collections company sold my debt to another company without notifying me. Through me checking my credit report unnoticed I had a debt to a new company that I was not familiar with and I called them only to find out they had me in the system as being past due. I had to create a new payment plan and I was able to lower amount owed. However, my credit report now after two months still shows I owe over {$400.00} which is only a little under {$300.00} with a derogatory status. When the account should show Payments made on time.
|
| 12/03/2021 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt was result of identity theft
|
|
Web |
|
|
I reported a case of fraud resulting from an XXXX XXXX XXXX XXXX delivered to my home. I reported it to the company and was instructed to send the phone back which I did. I received numerous demands for payment for phone I did not purchase, create the account etc. I filed a report and was informed the case was now closed. I recently received a demand for payment from a collection agency after months of assuming everything was rectified. The letter was from XXXX XXXX XXXX listing XXXX XXXX as the creditor. This started in XXXX of XXXX I believe and was resolved in XX/XX/XXXX. Any assistance in the resolution of this matter would be greatly appreciated.
|
| 06/07/2021 |
Yes |
- Debt collection
- Credit card debt
|
- Written notification about debt
- Didn't receive enough information to verify debt
|
|
Web |
|
|
I XXXX XXXX a federally protected consumer was sent a collection notice from MRS BPO LLC on XXXX XXXX. MRS BPO LLC has violated federal law when they sent a bill to my home saying that I owed them {$8600.00}. They violated my consumer rights right there pursuant 15 USC 1692b. They also violated 15 USC 1692b ( 5 ) 2 TIMES, 15 USC 1692B ( 2 ) and 15 USC 1692c ( by sending the letter to my home ).
There was no proof in the letter that said alleged debt was owed, just some nonsense about XXXX XXXX XXXX, XXXX being the creditor, with no factual evidence to back it up. Is this identify theft? What grounds do you have to contact me and say I owe you money?
|
| 08/14/2021 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
I was notified by my bank that my credit score dropped 47 points and began investigating what could have happened. I pulled an Equifax credit report and learned that MRS BPO , LLC on behalf of XXXX XXXX filed a collection against me for {$290.00}. I do not have an account with XXXX XXXX and verified that with the company. I was never notified of any debt due. I believe this is a mistaken identity case. I talked with two representatives of XXXX XXXX and they both verified I do not have an account or owe money. They transfered me to the collection company where I was talking with someone when the call disconnected. They made no attempt to contact me.
|
| 12/06/2021 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt was result of identity theft
|
|
Web |
|
|
I received a text message with the spoofed identity of a family member, requesting that I contact MRS Associates regarding a debt from XXXX XXXX Bank. I researched the corporate identity of MRS Associates and wrote to the corporate offices that they were in violation of the FDPCA by failing in its initial communication with an alleged debtor, participating in false and misleading information by spoofing text message identity, and attempting to collect and alleged debt that XXXX XXXX Bank had acknowledged as being invalid. More that thirty days after the declaration by XXXX XXXX Bank, MRS Associates continues in its attempts to collect the debt.
|
| 01/09/2023 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt was paid
|
|
Web |
|
|
I did a 30-day free trial of a new internet service ( XX/XX/2022 ). I was unsatisfied with the service, cancelled it within XXXX ( on XX/XX/2022 ) and returned the equipment accordingly ( within 30 days, equipment return confirmation sent XX/XX/2022 ). I contacted XXXX through online chat, phone calls, and I personally visited the XXXX store on XXXX XXXX in XXXX, CA. During the first calls, I was reassured that their system would register the cancellation with a little more time. After they started billing me again, I visited the XXXX store and spent around 2 hours. They said the problem was fixed. Now I am getting debt collectors emailing me.
|
| 07/07/2015 |
Yes |
- Debt collection
- Other (i.e. phone, health club, etc.)
|
- Cont'd attempts collect debt not owed
- Debt is not mine
|
|
Web |
|
|
XXXX XXXX office representative made false statements, and when I disputed the debt originally it was dropped from my credit history. 4 years after this was done, XXXX XXXX is attempting to collect what they think is debt. A person authorized to repressent the company told me that I would owe a certain amount and that amount was paid, when a different amount was attempted to be collected I was told that it did not matter what that person agreed to. In New York State a verbal agreement is tantamount to a contract and as such is where they provided service. They have harassed me for the last 7 years to collect something that is not owed to them.
|
| 09/21/2023 |
Yes |
- Debt collection
- I do not know
|
- Threatened to contact someone or share information improperly
- Talked to a third-party about your debt
|
|
Web |
|
|
I haven't even heard of this company MRS BPO before however they have all of my information including my social security number. I didn't give anyone permission to pass around my personal information. MRS BPO stated that it came from XXXX, nevertheless, XXXX never contacted me to give my information out to MRS BPO. THAT'S WHY WE CAN'T GET OUR CREDIT ON TASK BC COMPANIES ARE PASSING IT OUT LIKE IT'S NOT PERSONAL. Majority times it's identity theft however other companies don't do any good bc they are still passing our information around to every XXXX XXXX AND XXXX.
Fraudulent account and XXXX are giving others fraudulent access to my account.
|
| 10/24/2023 |
Yes |
- Debt collection
- Telecommunications debt
|
- Attempts to collect debt not owed
- Debt was result of identity theft
|
|
Web |
|
|
I was reached out to by XXXX XXXX, on XX/XX/2023 through a written letter. The letter said I owed {$1400.00} to the company. However, I have no affiliation with XXXX, and when I called Customer Service, the account number mentioned in the letter was not recognized by the system.
I received a text message from XXXX XXXX on XX/XX/2023, and on XX/XX/2023 about collecting the debt.
When I checked by credit score on XXXX there is no mention of this debt, which is why I believe this debt is fraudulent or someone has possibly stolen my identity.
I sent a letter to XXXX and XXXX XXXX. I will also be filing a complaint with the XXXX XXXX XXXX.
|
| 05/27/2015 |
Yes |
- Debt collection
- Other (i.e. phone, health club, etc.)
|
- Cont'd attempts collect debt not owed
- Debt was paid
|
|
Web |
|
|
XXXX sent me in error to a debt collector XXXX XXXX XXXX for {$140.00} XXXX XXXX, 2015. On XXXX XXXX, 2015 I paid XXXX XXXX {$160.00} which included late charge. I spoke to XXXX on XXXX XXXX, 2015 at XXXX verifying that I paid this bill full. Then received another bill from for the same {$140.00} from another collector MRS Associates for the XXXX XXXX bill XXXX {$140.00} XXXX. I tried several times to call MRS Associates on XXXX XXXX,2015 and XXXX XXXX, 2015. The phone tree takes me to the point of waiting to speak with a representative then disconnects me every time. This very frustrating and seems like a scam. I need some help. thank you
|
| 05/25/2021 |
Yes |
- Debt collection
- Other debt
|
- False statements or representation
- Attempted to collect wrong amount
|
|
Web |
|
|
I originally tried to get XXXX internet in XXXXThe technician came out to install the service as the internet was needed for at home learning. When the technician originally came out, it was determined that they could not install XXXX in my apartment due to wiring issues. I thought everything was taken care of until I received a bill from as collections agency called MRS BPO , LLC. I then learned that XXXX charged me for one month of service that I never used. I now have a collections on my account for the amount of {$52.00}. XXXX is engaging in deceptive and fraudulent business practices by charging customers for services never rendered.
|
| 06/16/2023 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt was result of identity theft
|
|
Web |
|
|
I contacted MRS BPO LLC about an account they put on my credit report without even contacting me about the account which is a fraud account from XXXX when they said I opened an account with them XXXX of this year when I havent had XXXX. I talk to someone from the company, and they even said it was something not right about the account and something didnt add up so he disputed on his end, and I never received anything from them about the dispute so I disputed though the credit report agency, and they wont remove this fraud account that wasnt open by me when they even said it was something not right about the account themselves.
|
| 03/09/2021 |
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
|
|
Web |
|
|
XX/XX/20 was going to add a second line to my XXXX unlimited plan.
XX/XX/20 received XXXX card for account # XXXX phone number XXXX Never used second line XX/XX/20 cancelled second line. Bill was still charging me XXXX bucks.
XX/XX/20 paid my normal bill of XXXX, still showed a XXXX dollar balance Was reassured the XXXX would be a credit XX/XX/20 XXXX shut phone off Got it back on. They shut off again XX/XX/20 shut off again.
XX/XX/20 started a new service with XXXX XXXX and quit XXXX. Try to charge XXXX bucks even though XXXX is a credit and I never used the service again after XX/XX/20!
They are now destroying my credit
|
| 06/04/2019 |
Yes |
- Debt collection
- I do not know
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
I received a notice in the mail from MRS BPO , LLC, XXXX XXXX XXXX, XXXX XXXX, NJ XXXX that I had a past due debt from XX/XX/2018 in the amount of {$27.00} for a XXXX account charge. I do not have a XXXX account and did not purchase anything through XXXX.
I have a high credit rating. Per my XXXX account, there is no past due debt and there are no collection actions being taken.
I read online of other complaints from people similar tomine about this collection agency stating that they had not made purchases and did not owe money. I called XXXX and they did not seem concerned that this company is using them to scam people.
|
| 04/08/2019 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
I am lodging a formal complaint against mrs. associates this debt collection company is reporting negative information on my credit reports without validating debt which is a violation of the fcra. ive sent this company numerous debt validation requests and they continue to ignore them. the debt is for {$1200.00} from XXXX XXXX. ive never in my life had an account with XXXX XXXX so I know this isn't my debt. I am trying to purchase my very first home for my family and im being told this negative account is holding me back. I am going to sue this debt collection company if they don't delete immediately. thanks for your time!
|
| 12/01/2022 |
Yes |
- Debt collection
- Other debt
|
- Written notification about debt
- Didn't receive enough information to verify debt
|
|
Web |
Servicemember |
|
I never received any communication about this debt, never was given an opportunity to view or question the validity of the debt and have discourse with the accusers of me owing the debt, I have questions about if the company can even collect in my state and if the statue of limitations has run out, and it is now on my credit report as a collection account negatively impacting my ability to obtain credit and impacting my credit score negatively. I have no record of this company contacting me, corresponding with me or them validating the debt to me -- this seems like all fraudulent and unlawful things this company is doing.
|
| 05/11/2017 |
Yes |
- Debt collection
- I do not know
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
MRS BPO continues to mail me letters saying that I owe them money or they are attempting to collect a debt from me.
I have never done business with MRS BPO nor do they have a contact with their company containing my signature. I sent them a letter requesting a contract from MRS BPO reflecting my signature and they continue to send me letters from XXXX XXXX XXXX XXXX instead of documents showing my signature listed. MRS BPO needs to produce a contract from myself to them with my signature as I originally requested. I HAVE NO CONTRACT WITH MRS BPO. MRS BPO NEEDS TO BE REMOVED FROM MY CREDIT REPORT IMMEDIATELY.
|
| 04/04/2022 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
The XXXX XXXX pursued a debt of {$1000.00} associated with a XXXX XXXX account that has never been associated with me ( I have never entered into any contract with XXXX XXXX ). I received notice initially on XX/XX/2022.
I mailed a letter via registered mail ( sent on XX/XX/2022 ) requesting that they provide me with proof that the debt belongs to me or cease attempts to collect.
Since then, I have received a letter from MRS BPO trying to collect on the same debt ( received XX/XX/2022. Date of the letter specified as XX/XX/2022 ). My understanding is that it is illegal for them to sell debt that is currently disputed.
|
| 07/15/2021 |
Yes |
- Debt collection
- Credit card debt
|
- Attempts to collect debt not owed
- Debt was result of identity theft
|
|
Web |
|
|
This complaint is regarding account information below that has not been investigated and no information given. Its been over 2 months with no information given to me regarding these accounts. I have no knowledge of these companies and they shouldnt be reporting as I never gave permission for the reporting per Section 1681a -I sent correspondence to the Credit Bureaus regarding this. I was never notified in writing per 15 U.S.C 1692ag prior to accounts being on my credit report, within 5 days. Moreover, these accounts violate debt collections, abusive and unfair practices per section 1692f ( 1 ) adding additional amounts.
|
| 05/15/2018 |
Yes |
- Debt collection
- Auto debt
|
- Communication tactics
- Frequent or repeated calls
|
|
Web |
|
|
Repeated phone calls from XXXX and continues at least twenty times that after throughout the rest of the day. Kills my phine battery, takes up my time and is annoying and is irritating me know. When I answer it gives me a message with a phone number to call back. Then receive a debt letter from MRS. BPO, LLC with a side note stating, " tax time is a great time to put issues like this behind you. Consider using any possible tax refund you may receive to satisfy your outstanding obligation. '' Regardless this should never been a collection account because the dealership never refunded this amount like they should have.
|
| 10/11/2023 |
Yes |
- Credit reporting or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Information belongs to someone else
|
|
Web |
|
|
XXXX XXXXAccount 's Date OpenedXXXX Account Current Balance : {$930.00} ( XXXX only ) XXXX XXXX-Account 's Date OpenedXXXXAccount Current Balance : {$630.00} ( XXXX only ) XXXX XXXXAccount 's Date Opened : XXXXAccount Current Balance : {$1200.00} XXXX XXXX-Account High Balance/Original Balance : {$10000.00} MRS BPO-Account 's Date Opened : XX/XX/ XXXX XXXX Account Current Balance : {$640.00} {$640.00} {$640.00} ( XXXX, XXXX, XXXX ) I have sent in FTC report, police report and have sent in proof of my information confirming that the alleged debt isn't mine nor did I give anyone authorization to use my personal info
|
| 07/07/2022 |
Yes |
- Debt collection
- Credit card debt
|
- False statements or representation
- Attempted to collect wrong amount
|
|
Web |
|
|
I received a letter from MRS for the XXXX XXXX Credit card ( https : XXXX ). I went on the website to set up payment and charges were put on my account to pay off. The original amount owed was {$720.00}. There are strange charges saying " failed '' and then successful. My original amount is not dropping! I tried multiple times to contact them via email from their site with no response. I tried multiple times to login into my account and can not get in no matter what verification choice combination I use. I have not called because I like to have documentation of conversations. I will attach screenshots of proof.
|
| 02/13/2019 |
Yes |
- Debt collection
- Credit card debt
|
- Communication tactics
- Frequent or repeated calls
|
|
Web |
|
|
I XXXX XXXX along with my husband XXXX XXXX are going through a long term financial hardship. We most likely will be filing for a Chapter XXXX bankruptcy in the near future. In the meantime, we have asked numerous debt collection agencies to cease and desist making threatening calls to both of our cell phones. These collection agencies are even calling our neighbors and relatives looking to make contact with us. This has to be an illegal collection practice, and we do not desire to have relatives know of the financial problems we are going through. Accordingly, we wish to have all calls cease immediately.
|
| 10/05/2023 |
Yes |
- Debt collection
- I do not know
|
- Electronic communications
- You told them to stop contacting you, but they keep trying
|
|
Web |
|
|
On XX/XX/2023, MRSBPO emailed me about an alleged debt in the amount of {$780.00}. I emailed the company back requesting verification and documents under XXXX XXXX. I ask them not to contact me again by email, just by mail. On XX/XX/2023, MRSBPO emailed me again without any verification or any documents I requested triggering a violation of the FDCPA. On XX/XX/XXXX MRSBPO contacted me by phone and I requested them not to contact me again by phone triggering another violation. I also told them not to share my information with any other company. On XX/XX/2023, I received another email about the alleged debt.
|
| 02/17/2019 |
Yes |
- Debt collection
- Auto debt
|
- Communication tactics
- Frequent or repeated calls
|
|
Web |
|
|
MRS has been calling my work line and cell line for several weeks/months about a debt I do/did not know about. After checking my mail yesterday, I received a letter from them about a debt by XXXX XXXX XXXX and to respond in 30 days to dispute debt. The letter is dated XX/XX/ 2019 and tied to an account balance of {$2800.00} from XXXX XXXX XXXX XXXX, which I never received any letters from them about this debt either. Due to not knowing about debt until I received this letter, I will be disputing it. I placed this though under communication tactics because they call my phones twice if not three times a day.
|
| 03/07/2020 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt was paid
|
|
Web |
|
|
In XXXX of 2019, I canceled my service with XXXX XXXX. I received a confirmation number of this cancellation ( # XXXX ) from XXXX XXXX. Subsequently, my checking account was debited in the amount of {$95.00} by XXXX XXXX for XXXX service which, due to the cancellation, was no longer being provided. I disputed the charge with my Bank and they removed the payment. XXXX XXXX has now submitted this to a collection service, MRS BPO , LLC located at XXXX XXXX XXXX, XXXX XXXX, NJ XXXX for payment. I did not receive any such service in XXXX and, in fact, we sold our home in early XXXX and moved to a new location.
|
| 11/04/2021 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt was paid
|
|
Web |
|
|
I had a debt with XXXX for the amount of {$54.00} that was paid in XXXX. Ever since then I've been getting calls from MRS associates saying I still owe even after showing them proof of payment. it is now XXXX and the calls haven't stopped, now i receive at least 4 calls a day that hang up as soon as i answer. when I call to talk to someone, they tell me to pay the bill again. I have asked to see proof of this debt and have been told its been sent to me every time ( still no proof of debt 4 months later ). they claim I haven't turned in my equipment as well, when it was returned directly to XXXX location.
|
| 08/16/2021 |
Yes |
- Debt collection
- I do not know
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
This collection company put an erroneous account on my credit files. I have not been contacted by anyone via phone or mail. This account was previous with some other collection agency back in XX/XX/2021. I asked for debt validation which they could not provide. Account was then removed from my credit and they sold the account. I don't owe this. I disputed this with the credit bureaus but they didn't remove the account. I want this account DELETED off my credit file. How can these companies report negative information and fail to provide any debt validation? This isn't right and it needs to be addressed.
|
| 10/07/2022 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt was paid
|
|
Web |
|
|
My name is XXXX XXXX, I was asked to pay a debt by MRS Associates on behalf XXXX XXXX XXXX XXXX. Thats a debt that never was mine, I canceled my plan because they were charging me a nonsense amount of money each month. When I canceled they said I was fine and I had no debt, now this entity MRS continues to call me to collect a debt and people from XXXX is calling me all the time, they do not talk to me about the issue when I try they keep saying to pay the debt with no intend of listening. Now my credit went down XXXX points and it is unpleasant. Never had a collection debt or delinquent debt before.
|
| 12/04/2021 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt was result of identity theft
|
|
Web |
Servicemember |
|
I recently review my credit report and notice there were inaccurarcies. A collection from MRS ASSOCIATES for the amount of XXXX is not my debt. I was a victim of id theft and im not responding for debt. Below is a copy for information related to the debt.
MRS ASSOCIATES Original creditor : XXXX - XXXX {$210.00} Balance updated XX/XX/2021 Account Info Tap labels for more details Account number XXXX Collection opened XX/XX/2021 Account type Collection Paid off : 0 % Balance on XX/XX/2021 Original balance {$210.00} {$210.00} Payment Info Original balance {$210.00} Balance {$210.00} XXXX XXXX, XXXX
|
| 12/29/2017 |
Yes |
- Debt collection
- I do not know
|
- Communication tactics
- You told them to stop contacting you, but they keep trying
|
|
Web |
Servicemember |
|
MRS Aaociates called my business provided and paid cell phone on XX/XX/XXXX asking for XXXX XXXX. I told the woman that there was no one by that name nor did I know anyone by that name. I told her she had a wrong number and not to call in the future. They called again on the XXXX and hung up when I answered. Then called again on the XXXX. I called their number three time until I spoke to a XXXX XXXX and was told again they would take my number off but it would "take at least 48 hours"They call from different numbers that can't be called back. They repeatedly hang up When the call is answered.
|
| 08/12/2021 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt was result of identity theft
|
|
Web |
|
|
This debt has been previously investigated and found to be fraudulent. I have not ever lived in Georgia. I have NEVER had an XXXX XXXX XXXX account. When I researched the XXXX XXXX XXXX account number with XXXX XXXX XXXX they said the account number wasn't legitimate. This debt was transferred to another party who is trying to collect on it again despite it being proven fraudulent in XX/XX/2021. Please refer to my report filed in XXXX of XXXX. This collection agency used information provided in the previous report to add additional details to make the fraudulent claim seem more legitimate.
|
| 07/28/2021 |
Yes |
- Debt collection
- I do not know
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
I have received a letter from MRS Associates stating that I owe XXXX the sum of {$1600.00} dollars for a debt I have no knowledge of. I called that company and asked how was that possible when I have never purchased any goods from XXXX nor I had received any letters saying I was in debt with the latter.
an MRS representative then explained that I had to call XXXX to a number no one answers.
I was then directed to a XXXX website where is asking for me to file a police report. I don't have any details to provide to the police as I don't know what is the debt for.
MRS Case number : XXXX
|
| 10/26/2022 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
Mrs Bpo constantly harasses me during various hours of the day and I never pick up as the number is unknown. Now I find out they have reported an XXXXXXXX XXXX account which isnt mine. This is the second collection company harassing me for this account which is not mine. The address on this account was from Alaska. I have not lived in Alaska for over 15 years. The phone numbers on the account are not associated with me at all. I have no knowledge of this XXXX account. I have not had XXXX for over 10 years. This collection needs to be removed from all the major credit bureaus immediately.
|
| 04/08/2021 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
Sometime on XX/XX/ 2020, when I pulled my credit report, I found out multiple inquiries on my credit report that I did not recognize. I found also some accounts that I did not recognize. I only started to work on my credit report a few months ago, some accounts that did not belong to me already came off my credit report, unfortunately, I am still dealing with some. I recently received a collection letter from MRS BPO , LLC trying to collect on an alleged debt that I do not recognize, the debt is not mine and I have no other reason but to believe that I am a victim of Identity Theft.
|
| 04/04/2021 |
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
- Problem with personal statement of dispute
|
|
Web |
|
|
XX/XX/2021 A derogatory mark on my credit report per XXXX XXXX. Upon further research, this account was transferred/ and or sold. And I am no longer responsible for the account. Debtors creditor did not verify this collection. Also there was NO written form of communication, contact or a handwritten signature for this accused debt at all. A bill without a signature does not validate the debt and anybody can send a bill and say its mine. According to the FCRA, ( collection agency ) has violated my rights as a consumer and Im requesting legal action to delete this account immediately.
|
| 10/12/2022 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
Collection debt on my credit reports from MRS Associates on behalf of XXXX XXXX for {$730.00} as of XX/XX/22 ( date opened XX/XX/22 ). I have never had account ( s ) with XXXX XXXX or XXXX. I filed dispute with XXXX and XXXX as well as contacting XXXX XXXX XXXX on XX/XX/22 and filed fraud complaint/report they say the will look into ( I have not heard back as of yet ). I wanted to file this with CFPB to cover all of my basis everywhere I can as this debt is NOT mine. I have tried so hard to clear up my credit report and this is very concerning to me of this fraud incorrect report.
|
| 12/28/2020 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt was result of identity theft
|
|
Web |
|
|
A fraudulent collection account from MRS ASSOCIATES showed up today on my credit report on behalf of XXXX. I do not use XXXX and I have never provided my information to them. This is a fraudulent account opened under my name. This account was previously being showing on my credit under a different collection agency called " XXXX XXXX XXXX '' ( complaint XXXX ). " XXXX XXXX XXXX '' admitted the issue on " XX/XX/2020 '' and somehow it is now showing up again under MRS ASSOCIATES.
A police report was previously filed with the XXXX and it is attached. Please fix this.
Thank you.
|
| 06/17/2022 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
XXXX, a subsidiary of XXXX XXXX, placed a collection item on my personal credit report for a commercial relationship with no personal guarantee. The amount was for {$59.00}, and the account has never been delinquent according to XXXX 's web site. The collection item was placed on XXXX 's behalf by MRS Associate/MRS BPO ( www.mrsbpo.com ). This is an abusive practice that is intended to bully a non-responsible party into paying. Moreover, XXXX is fully paid and operational, and any outstanding payments were satisfied long before MRS reported the collection item to credit bureaus.
|
| 10/08/2022 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt was result of identity theft
|
|
Web |
Servicemember |
|
I received notification yesterday, XX/XX/2022 that I have an XXXX XXXX XXXX account that has passed into collections for the amount of {$1100.00}.
I called the debt collector ( MRS ASSOCIATES, ) informed them this was identity theft, and they told me to do the following : 1. ) File a police report ( done. ) 2. ) Let the company, XXXX XXXX XXXX XXXX, aware of the situation. ( Done. ) 3. ) Email them with confirmation of these.
I have completed these steps, and also put a fraud alert on all three major credit bureaus.
I have never had an account with XXXX XXXX XXXX XXXX.
|
| 03/07/2023 |
Yes |
- Debt collection
- Private student loan debt
|
- Attempts to collect debt not owed
- Debt was result of identity theft
|
|
Web |
|
|
Called MRS BPO on XX/XX/23 @ XXXX and spoke with a representative that provided me with the CEOs email that I was instructed to send my police report to. Sent the email to the CEO XXXX XXXX at XXXX with the explanation that it was not mine, and have not received a response as of yet and it is out of the allotted, but there are still continuous updates to all three bureaus with no response to me. If there is no response to the prior email sent on XX/XX/23, this is second finding ( 1st is debt is not mine, fraud ) that is grounds for failure to comply to FCRA. Please advise
|
| 06/04/2023 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Account information incorrect
|
|
Web |
Servicemember |
|
Please see the attached letter regarding the account that is not mine due to identity theft. I have filed all of the necessary forms including the FTC online form and affidavit. This is all equivalent to a police report as well. This is my second request to you to remove these fraudulent accounts from all three of the credit bureaus before I take legal action. Send the validation of these accounts as well with your response back to this complaint. I want the account name, account balance, past due amount, and date of last activity verified and provided to me as well.
|
| 01/29/2022 |
Yes |
- Debt collection
- Credit card debt
|
- Written notification about debt
- Didn't receive enough information to verify debt
|
|
Web |
|
|
I tried to make payments and I believe these are not reflected on the XX/XX/XXXX debt collector letter. MRS BPO , LLC I think does not know that I made ACH wire payments, one including over {$100.00}, to XXXX XXXX XXXX account # XXXX.
I would like an acknowledgement from MRS BPO , LLC that on XX/XX/XXXX at XXXX I made, according to my records, an ACH wire payment of {$120.00}. I do not believe that MRS BPO , LLC has credited this amount on my account. Thank you.
Respectfully, XXXX XXXX XXXX XXXX : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX
|
| 11/25/2020 |
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
|
|
Web |
|
|
Hello, I made an agreement to pay off a debt with XXXX with the company mrsassoc. I pay them {$500.00} every month automatically pulled out of my account on the XXXX. Its only the XXXX and XXXX all of a sudden dinged me for not paying XXXX. 1. I pay the debt collector not XXXX 2. The money automally pulled 3. It dropped my score XXXX points and Im closing on a house next month I paid off all my debt to help my credit and they just ding my account like that?! I havent missed a payment again I pay every month automatically have it taken out. Please help me ASAP
|
| 01/31/2020 |
Yes |
- Debt collection
- Auto debt
|
- Took or threatened to take negative or legal action
- Threatened or suggested your credit would be damaged
|
|
Web |
|
|
I've been in dispute with this company ( XXXX XXXX XXXX. ) and the bureaus to which this account has been deleted off my credit file. Now I'm receiving a letter from this company today saying I owe {$1900.00} ....??? Now that this is happening to which I don't know why. This company is not on my credit report. Attached is a copy of the deletion of my credit file. So I want this company to mail me what is it they have.
Assignment clause *Notarized letter of debt purchase *Signed contract from original creditor *Copy of license to collect in my state legally
|
| 09/15/2021 |
Yes |
- Debt collection
- I do not know
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
This company keeps emailing me notice about owing money to them. They use my email address but the person they are trying to contact is not me. I tried calling them but they would not speak to me about the issue because I am not the party that they are addressing the matter to. I have repeatlly sent back their email to let them know to stop and that my email is not the correct one. Have now told them that I intend to report them. Now I am. This has been going on for over a year and I am sick of it.
Please do something to stop them from contacting me.
|
| 07/17/2023 |
Yes |
- Debt collection
- Credit card debt
|
- Attempts to collect debt not owed
- Debt was result of identity theft
|
|
Web |
|
|
This debt collector purchased an alleged debt, but did not purchase the rights or my consent to use my private copyrighted information in commerce. CEASE AND DESISTS from using my information immediately or I will sue for COPYRIGHT INFRINGEMENT!!!
The original creditor is a Fiscal agent of the United States dealing in securities and has certain responsibilities under the Security Exchange Act. You are attempting to collect a debt not owed.
IRS Form 211 will be filed to Auditor this account in 15 days if these actions are not corrected immediately.
|
| 06/22/2023 |
Yes |
- Debt collection
- I do not know
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
Hello. I received a text from MRS BPO saying I have an outstanding debt with XXXX. I'm current on my bills with XXXX XXXX. They verified I am current and said it must be spam.
I called MRS BPO, but they asked for my zip code and birth date. I gave them zip, but not birth date in case is it spam. B/c I didn't give them my birth date they said they can't help me.
the text didn't include any account info and XXXX verified I am current.
I'm assuming this is spam, but not sure. I can't verify their text or whether I have an outstanding bill somewhere.
|
| 12/07/2017 |
Yes |
- Debt collection
- I do not know
|
- Communication tactics
- You told them to stop contacting you, but they keep trying
|
|
Web |
|
|
On XXXX/XXXX/2017 at XXXX we received an automated call ( XXXX ) asking for a call back to XXXX. A call back was placed to MRS Associates and I stated to the operator that we have asked multiple times for calls to stop being placed to us. The operator very politely tried to go through our main numbers and stated that our main numbers have been blocked. Because the system does not allow for forwarding to the main number, a narrowing of what number is being used is impossible, as we have several numbers that forward to our main number if not answered.
|
| 09/17/2015 |
Yes |
- Debt collection
- I do not know
|
- Cont'd attempts collect debt not owed
- Debt is not mine
|
|
Web |
Older American |
|
i am being called by MRS BPO every day. a machine makes the call. i am not the person they are looking for. it is the person who used to have this phone number.
there is no way to get them to stop because the machine circles around and around. i have called their main number where the operator says she can not help me and transfers me to a number where nobody answers. please make them stop. when calls for the same person were made by human beings, i was able to convince them i am not the one who owes the debt. can not get the machine calls stopped.
|
| 09/10/2023 |
Yes |
- Debt collection
- I do not know
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
Servicemember |
|
I have a debt collection letter from MRS BPO , LLC for {$110.00} for XXXX.
1 ) I logged into XXXX and currently have a positive balance.
2 ) I do not recognize this debt.
3 ) I can not actually log-in to MRS BPO , LLC. I have tried the letter ID they gave me. I have tried last name, and last 4. Nothing has worked.
4 ) The website references a page with a signature, I think I've only received the 2nd page of a correspondence. I believe this is a badly orchestrated scam.
5 ) Just realized they also sent it to Washington, DE not Washington , DC.
|
| 01/09/2023 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Information belongs to someone else
|
|
Web |
|
|
I NOTICED A ACCOUNT THAT I WAS UNAWARE OF I DISPUTED IT WITH THEM I WAS A PART OF XXXX XXXX XXXX I HAVE PROOF OF THAT IN MY IDENTITY WAS MIS USED I JUST WANTED THE ACCOUNT REMOVED SO I CAN MOVE FOWARD BUT IF I HAVE TO TAKE LEGAL ACTION I WILL THE AMOUNT WAS {$1800.00} THE DATE OPENED WAS XX/XX/2022 15 usc 1692 G B. THIS ACCOUNT IS NOT MINE CAN YOU PLEASE REMOVE THIS HARMFUL INFORMATION IF YOU CAN NOT VALIDATE DEBT. ( XXXX XXXX ) ( FDCPA ) ANY REPORTING OF THIS DEBT TO THE CREDIT BUREAUS PRIOR TO ALLOWING ME TO VALIDATE IT MAY BA A VIOLATION OF FCRA
|
| 08/25/2021 |
Yes |
- Debt collection
- I do not know
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
Older American |
|
Subpoenaed XXXX XXXX XXXX to produce record of information it submitted to MrsBPOLLC re : fraudulent, delinquent XXXX Account # XXXX which resulted in me being victimized by their collection tactics. MrsBPOLLC is not a party to this action, however, MrsBPOLLC disclosed my confidential information without my knowledge or consent. MrsBPOLLC has not closed account, has not acknowledged that debt does not belong to me, and has not removed XX/XX/20 inquiry on my credit file as a result of this fraudulent activity and thus having no permissible purpose.
|
| 09/17/2015 |
Yes |
- Debt collection
- I do not know
|
- Communication tactics
- Frequent or repeated calls
|
|
Web |
|
|
I have been getting REPEATED calls at this number by MRS Associates ( XXXX ). They are robo calls for a woman named XXXX XXXX. I apparently inherited her phone number from XXXX XXXX. I have REPEATEDLY responded that she does not own this number and I do n't know her, but i still continue to receive calls. So I called the # and asked to speak with a representative. I was put on hold for a half hour, then was hung up on. Nothing I do keeps this company from contacting me every single day. Again, this is not XXXX XXXX phone number, nor do i know her.
|
| 04/21/2020 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
Collection agent by MRS BPO, L.L.C. in behalf of their customer XXXX XXXX.
XXXX claimed I owed them equipment, however ; I never used their equipment, I used my own private equipment.
MRS BPO sent me a letter saying I owe {$59.00} account XXXX dated on XX/XX/XXXX, as of today XX/XX/XXXX said the account is no longer with MRS and to contact XXXX.
Both have refused to send a letter to me advising it was a mistake and i do not owe the {$59.00}.
How can i get for XXXX XXXX and MRS BPO to send a formal letter advising me i do not owe the XXXX.
|
| 10/25/2021 |
Yes |
- Debt collection
- Credit card debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
I received a letter from XXXX XXXX XXXX on XX/XX/2021. MRS BPO LLC are debt collectors attempting to collect a debt on behalf of XXXX XXXX XXXX ( XXXX ) XXXX. I have not received any goods or services from MRS BPO LLC and I do not know how they received my personal information.
MRS BPO LLC do not have a permissible purpose to contact me at all in regards to anything. I am not a party to whatever agreement they have with XXXX XXXX XXXX ( XXXX ) XXXX. I did not agree to pay MRS BPO LLC or XXXX XXXX XXXX ( XXXX ) XXXX any fees for anything.
|
| 04/20/2023 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
MRS BPO , LLC has put a collection on my credit file on behalf of XXXX, the address for the service has never been associated to me, I did not sign up for any services. I have never had an account with XXXX. I have already contacted them and informed them that this account isn't mine, I also disputed with XXXX multiple times, I refuse to pay for an account that isn't mine, I have a perfect credit record with no late payments or collections, and now I have to deal with a crooked company that is harassing me and creating credit problems.
|
| 03/18/2021 |
Yes |
- Debt collection
- Other debt
|
- Communication tactics
- You told them to stop contacting you, but they keep trying
|
|
Web |
|
|
On XX/XX/2021, I instructed " MRS Associates '' to cease and desist contacting me via my cellphone regarding an alleged debt. That call was recorded by me in full. The customer service rep acknowledged my request. On XX/XX/XXXX, the company texted me again regarding the alleged debt. I called back the number to ask to speak to the company 's legal representation to resolve the issue. The customer service rep acknowledged that I should not have been contacted again, yet refused to connect me with a legal rep or attorney for the company.
|
| 09/21/2023 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt was result of identity theft
|
|
Web |
|
|
I am writing to bring attention to a concerning matter concerning my credit file. I have observed the presence of a collection entry from your agency, which has caught my attention as I was not previously informed about this collection. Furthermore, I hold serious doubts about the accuracy of the debt being claimed. As per the Fair Debt Collection Practices Act, I have the right to request validation of the debt. Thus, I kindly request that you provide me with the required validation and take appropriate actions to address this issue.
|
| 11/12/2021 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Information belongs to someone else
|
|
Web |
|
|
Six months ago A Georgia Company called XXXX XXXX entered a false report of a delinquent. XXXX Account. I went through the process of contesting the Debt and they were unable to provide any proof of Debt.
They have now either sold or transferred this fraudulent charge To MRS Associates in XXXX XXXX New Jersey.
Do I have to go through the whole process of proof of Debt letters agin to this different company?
IS it legal for collection agencies to just keep selling or transferring a debt that his been proven to be unsubstantiated?
|
| 06/19/2020 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
I closed my internet account with XXXX in XXXX of 2020 in person at a XXXX store and paid my outstanding balance in full. Three months later, I received a letter from a debt collection agency ( MRS Associates of XXXX XXXX, NJ ) informing me that I owed XXXX {$50.00}. I had received NO notification, via email, phone, or mail, directly from XXXX about this debt, which I do not in fact owe. They referred the matter directly to a collections agency, exposing me to harassment and sharing my social security number without my consent.
|
| 11/29/2021 |
Yes |
- Debt collection
- I do not know
|
- Attempts to collect debt not owed
- Debt was result of identity theft
|
|
Web |
|
|
XXXX XXXX CONTACTED ME TODAY REGARDING A DEBT FROM XXXX THAT WAS A RESULT OF FRAUD ON MY ACCOUNT. THIS OCCURED XXXX YEARS AGO. I WAS NEVER NOTFIED BY XXXX AND WASNT AWARE UNTIL I TRIED TO USE MY ACCOUNT A WHILE AFTER. I THEN CONTACTED XXXX AND TOLD THEM IT WAS A RESULT OF FRAUD. NOW XXXX YEARS LATER, I RECEIVING COLLECTION CALLS WITH ATTEMPTS TO COLLECT A DEBT THAT WAS A RESULT OF FRAUD. XXXX XXXX NOTFIED ME IN WRITING OF MY RIGHT TO DISPUTE NOR DID THEY VALIDATE THIS ACCOUNT AS REQUIRED BY THE FAIR DEBT COLLECTION PRACTICES ACT.
|
| 05/01/2019 |
Yes |
- Debt collection
- I do not know
|
- Communication tactics
- You told them to stop contacting you, but they keep trying
|
|
Web |
|
|
They repeatedly call and when we answer they hang up. I call back the number from my caller ID and when I finally get someone on the phone and tell they to stop calling they say they have no history of calling our number, even though I tell them I got their number off of my caller ID right before I called them. I tell them to stop calling, they say they didn't and then they call again and again and again, and then I call them back and tell them for the umpteenth time to stop calling, yet they will call back later or the next day.
|
| 04/05/2018 |
Yes |
- Debt collection
- I do not know
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
MRS BPO LLC sent me a collection letter in the mail alleging that I owe {$39.00} on an account with XXXX. MRS BPO LLC account number XXXX. I have never heard of MRS BPO LLC nor do I owe XXXX any money. I don't have an account with XXXX and I don't owe any money. When I contacted MRS BPO LLC they were hostile and aggressive towards me. MRS BPO LLC engages in flagrant violations of the Fair Debt Collections Practices Act with their hostile debt collection practices. I don't owe them any money nor do I have an allege debt with XXXX.
|
| 06/27/2015 |
Yes |
- Debt collection
- Other (i.e. phone, health club, etc.)
|
- Cont'd attempts collect debt not owed
- Debt is not mine
|
|
Web |
|
|
I had an issue with XXXX Wireless. It got nasty; I wrote a letter to the XXXX, sent a copy with a note to the President XXXX. The result was that all the XXXX billing was taken away, and I got a XXXX+ credit on my Wireless account. I suddenly got a letter from MRS BPO, L.L.C. stating they were collecting XXXX for XXXX. No one at XXXX knows anything about it. My current bills do not indicate the amount. I don't want my credit ruined by these people and no one knows who authorized the collection agency to come after me. XXXX.
|
| 05/02/2021 |
Yes |
- Debt collection
- Auto debt
|
- Attempts to collect debt not owed
- Debt was result of identity theft
|
|
Web |
|
|
The alleged debt account that was reported to all three credit bureaus is no longer on my credit report and its currently updated right now and i don't know where the alleged debt has come from. I have paid the balance in full on my behalf from what I know of. According to your information that you have gathered, I am a victim of identity theft and I am currently serving notice to this collection agency that is attempting to collect a debt from the original creditor which is I XXXX, XXXX XXXX and I do not validate this debt.
|
| 04/22/2021 |
Yes |
- Debt collection
- Other debt
|
- Communication tactics
- Used obscene, profane, or other abusive language
|
|
Web |
|
|
An account that was opened in my name was placed up for collections, this account belonged to my biological father whom I share the same first and last name with. He has used my information in the past to get credit and so fourth, I have since placed him in jail for fraud. I paid this company the balance stated I owed and asked for a deletion, it was nothing but harsh words from that point on. Please bring justice to my name, I literally paid a debt off that didnt belong to me and this remaining on my credit is staining it.
|
| 11/21/2018 |
Yes |
- Debt collection
- Auto debt
|
- Attempts to collect debt not owed
- Debt was paid
|
|
Web |
|
|
Amount {$670.00} XXXX XXXX/MRS debt ( XXXX ) is trying to have me pay the amount not owed by me.
I returned the XXXX XXXX XXXX after lease expiry in XX/XX/XXXX to XXXX XXXX, CA and took a new lease from same dealer XXXX XXXX and got a new XXXX XXXX and the excess miles etc was settleed during this and into my monthly payments for this car. XXXX XXXX confirmed this and the XXXX is denying this and threatening me to pay this amount again.
Please investigate as i already paid this to XXXX XXXX and was settled in XXXX XXXX.
|
| 03/20/2021 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt was result of identity theft
|
|
Web |
Servicemember |
|
Incident of Identity Theft Received Collection Letter from MRS dated XX/XX/2021 via USPS. Letter cites an unpaid account with XXXX XXXX. I do not have a cell phone contract with XXXX I am an XXXX XXXX XXXX cell phone customer. Called MRS on XXXX and XXXX XXXX to resolve fraudulent collection and was told to contact XXXX which i did on XXXX XXXX. XXXX stated account was with MRS for collection. Attempts for to correct identity theft associated with the fraudulent action have been unsuccessful. MRS letter is attached
|
| 09/03/2019 |
Yes |
- Debt collection
- I do not know
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
Servicemember |
|
On XX/XX/2019 I started receiving dozens of phone calls from XXXX at all hours of the day.
No one would ever be on the other end and when I called back they would just hang up on me.
After doing some research I found the number belonged to a collection agency named MRS .
Through their website I was able to find their fax number and on XX/XX/2019 I faxed them a letter demanding they stop calling me and if they are collecting a debt to validate the debt via mail.
So far they have refused to validate the debt.
|
| 02/16/2021 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt was result of identity theft
|
|
Web |
|
|
Good morning, I have previously submitted the dispute for deletion of the collection account from my credit report reported by XXXX XXXX XXXX in the amount of XXXX , and this account again appeared on my credit report. this account now reported by a company called MRS associates, but this XXXX account opened fraudulently under my name, I have left the USA back in 2015 and I physically could not open this account. also, I am including supporting documents to prove that I was not in the US when this account is open.
|
| 05/18/2018 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
Attn : yopuI have a XXXX XXXX bill that I have been trying to dsipute for the last 3 years. The credit bureau are saying the info from XXXX is accurate and updated. The bill does not belong to me whatsoever. Please address the matter with the reporting agency XXXX, XXXX and XXXX. They are making it so difficult for me to move along with this debt. That does not belong to me. I just recieved dispute letter back from XXXX XX/XX/2018 It states the account has been verfiered as accurate.Outcome ) Updated??
Thank You
|
| 11/17/2023 |
Yes |
- Credit reporting or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Account information incorrect
|
|
Web |
|
|
Mrs. BPO is reporting a debt on my credit file they can not verify. They are reporting a {$610.00} debt for XXXX XXXX XXXX. When I called to see if this was my debt, they could not verify anything. They said they couldn't find any account under any of my information and told me I needed to go to a corporate office so they could find me and then I could pay them. I live 3 hours away from a corporate office and if I have to pay them IF I even have a debt, why is Mrs. BPO reporting? This is a violation.
|
| 02/18/2021 |
Yes |
- Debt collection
- Credit card debt
|
- Threatened to contact someone or share information improperly
- Contacted you after you asked them to stop
|
|
Web |
|
|
I was a victim of Identity theft. I have received several collection notices from MRS BPO LLC in regards to an unknown account to XXXX. I have advised them that I have no knowledge of the account and supplied them a copy of the police report. To date, I am constantly being harassed by them. I hadnt heard from them for several months and assumed that was because they ascertained the matter and learned the account was not originated by me ... .. now they have started to call again and send me notices.
|
| 06/19/2023 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt was result of identity theft
|
|
Web |
|
|
I have not supplied proof under the doctrine of estoppel by silence, Engelhardt v Gravens ( MO ) 281 SW 715,719. I may presume that no proof of the alleged debt, nor therefore any such debt, in fact exists. The 15 USC 1692 g Validation of debts. I do not recognize how this account is reporting on my credit report. I do not recognize the account number. I do not recognize the high or past due balance nor do I recognize if any payments associated with everything being reported does not meet the FCRA.
|
| 03/10/2020 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
On XX/XX/XXXX, I received an email from my XXXX credit card stating my credit score had recently went down. I pulled my credit XX/XX/XXXX and it shows a person opened an XXXX XXXX account and it is in collections for XXXX $ Collection shows opened XX/XX/XXXX and shows it has been reporting on my credit for 3 months, and I have no idea who this is and was not me. I am in the process of freezing my credit now so this can not happen again.
Please advise on how to get this off my record.
Thank you
|
| 11/14/2022 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
I have disputed a fraudulent collection twice on my XXXX XXXX credit report on XX/XX/22 from XXXX XXXX - original creditor XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NJ XXXX They do not physically answer calls & there are no other options to even speak with someone unless you are paying with a credit card. I have spotless credit & this is a scam. I've had the same phone number for the last 13 years. Please help me get them to remove this from my credit report.
Thanks so much, XXXX XXXX
|
| 02/16/2023 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt was result of identity theft
|
|
Web |
|
|
A collection appeared on my XXXX, XXXX, and XXXX reports. Account with XXXX XXXX was opened on XX/XX/XXXX, which was not me, I've been with XXXX for years. On XXXX the $ XXXX balance was sent to collections. I have never received any bills or notifications for this debt thru any methods, I just stumbled upon it while looking at my credit. I have disputed the debt, it's identity theft and fraud, the dispute is pending with MRS BPO, LLC.. I put a freeze on all my credit accounts in XX/XX/XXXX.
|
| 03/08/2020 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt was result of identity theft
|
|
Web |
|
|
This is a fraudulent charge that was taken care of with all 3 credit Bureaus YEARS AND YEARS AGO! And was very time consuming and an extreme nuisance!!! I have already had this taken care of! Now this random 3rd party collector has revived it again! I demand it be removed immediately, because this time I will just sue, for the inconvenience. I'm not going through this again, its fraudulent and has been added to my identity theft report with http : //www.identitytheft.gov/ ( Originally XXXX )
|
| 07/12/2021 |
Yes |
- Debt collection
- Other debt
|
- Communication tactics
- Used obscene, profane, or other abusive language
|
|
Web |
|
|
this is my third time reaching out to you all regarding this company and they continually to violate my rights. i reached out and did a complaint with the CFPB hoping that you all will see the evidence and step in but no i have got nothing. please refer to complaint # XXXX-XXXX and PLEASE look at what i provided and ill attach there response which was ANOTHER violation at this point i don't know what i need to do for you all to see how disrespectful they are as they continue to do it over.
|
| 02/03/2023 |
Yes |
- Debt collection
- Other debt
|
- Written notification about debt
- Didn't receive enough information to verify debt
|
|
Web |
|
|
Checked credit report and had a collection account listed by MRS BPO , LLC in the amount of {$160.00} Sent MRS BPO , LLC a letter on XX/XX/2023 via priority mail.
Received confirmation that letter was delivered via priority mail.
File a dispute with XXXX concerning the collection account list by MRS BPO , LLC on XX/XX/2023.
XXXX completed investigate on XX/XX/2023, and no information to verify debt was provided.
Filed a compliant with the Texas Attorney General 's office on XX/XX/2023.
|
| 12/06/2023 |
Yes |
- Debt collection
- I do not know
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
This debt collector engaged in abusive, deceptive, and unfair practices of the FDCPA which it prohibits. They furnished this account that we didn't and never ever agree upon and I didn't sign an agreement on. A legal contract is signed by two parties and I did not participate in any of it. More so they didn't follow the proper 5 step validation procedure which make this unfair practices. According to the FDCPA I'm entitled to XXXX dollars per violation and clearly they violated my rights.
|
| 08/14/2022 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
collection account MRSBPO LLC XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX {$60.00} STATEMENT THIS IS NOT MINE. I WAS NOTIFIED BY XXXX BECAUSE I AM A VICTIM OF ID THEFT SO MY CREDIT IS SUPPOSED TO BE LOCK FOR A YEAR BUT SOMEHOW IT IS NOT. I NEVER RECEIVE A STATEMENT IN THE MAIL OF THIS COLLECTION.
I HAVE ONLY DISPUTED THIS COLLECTION WITH XXXX SINCE THEY ARE REPORTING IT.
XXXX MAIL STATEMENT TO ME STATING THAT THEY CAN'T PROVE THAT THIS ISNT MINE SO THEY ARE LEAVING COLLECTIONS ON MY CREDIT.
|
| 12/04/2015 |
Yes |
- Debt collection
- Other (i.e. phone, health club, etc.)
|
- Disclosure verification of debt
- Right to dispute notice not received
|
|
Web |
|
|
I noticed that MRS BPO LLC., is appearing my XXXX and XXXX credit files. I am disputing the validity of this alleged debt, for the following reasons : 1 ) The debt does not belong to me ; 2 ) MRS BPO LLC., has not sent me any documentation which links me to this account and they have not submitted their validation and position to collect on any such account, they have not produced any documentation of any signed agreement ( s ), which would also suggest this alleged account belongs to me!
|
| 09/17/2021 |
Yes |
- Debt collection
- Other debt
|
- Written notification about debt
- Didn't receive enough information to verify debt
|
|
Web |
Servicemember |
|
I received in the mail a is for a collection letter from MRSBPO LLC is the LLC out of XXXX XXXX XXXX XXXX XXXX New Jersey XXXX. This was an attempt to collect a debt is a debt and the creditor is XXXX incorporated. That gave me an official looking letter and they are trying to collect a balance of {$150.00}. I called both numbers and could not get a person to talk to and they actually hung up on me and I left a message on the Colorado line and nothing happened. I feel this is a scam.
|
| 05/16/2023 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
MRP BPO is a collection agency for a XXXX Internet account. I have resolved this matter before as to which the debt is connected to a fraudulent apartment that was at XXXX XXXX XXXX XXXX XXXX XXXX, TX. They bought this debt and now contacting me for collection. I want this debt to be removed and to which my information has been compromised due to the XXXX data breach. I have notified the XXXX, TX police department report no XXXX. I have notified them however they will not respond
|
| 09/20/2023 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt was result of identity theft
|
|
Web |
|
|
I am writing to address an issue on my credit record. I have observed a collection entry from your agency that has come to my attention, as I was not previously informed about this collection. I have reservations about the accuracy of the debt being asserted. Under the Fair Debt Collection Act, I possess the right to request validation of the debt. Therefore, I kindly request that you provide me with the necessary validation and take the requisite steps to resolve this matter.
|
| 01/28/2020 |
Yes |
- Debt collection
- Other debt
|
- Took or threatened to take negative or legal action
- Threatened or suggested your credit would be damaged
|
|
Web |
|
|
XX/XX/2019 it showed up on my credit report, debt of XXXX. I contacted not only the credit collecting company but the originator of the debt and neither one of them had any information of me owning any money. So i said fix it, and they said they cant fix something they cant find, yet there it sits on my credit report. I disputed it and XXXX XXXX reported it as valid ... XXXX .... Very frustrating. I would pay it .... Does anyone hear that ... They say there is nothing to pay.
|
| 06/20/2023 |
Yes |
- Debt collection
- Other debt
|
- Written notification about debt
- Didn't receive notice of right to dispute
|
|
Web |
|
|
About a month ago, I received a collections derogatory mark on my credit report, this that was from my mother that had used my name, and information that I did not authorize her to do, but she still did it. As a new credit owner, I do not want this on my report especially if its not a collection I owed this is by MRS BPO of a collection of {$800.00}. I have been working every day with XXXX and XXXX XXXX to the best of my abilities to get this removed but nothing is happening.
|
| 03/13/2022 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt was result of identity theft
|
|
Web |
|
|
I received a debt collection letter in XXXX of XXXX about a XXXX debt of {$3300.00}. This was a result of identity theft. I contacted XXXX, they investigated and said I was not liable for this debt. I filed a police report as well. On XX/XX/XXXX I received another debt collection letter from MRS BPO , LLC for a XXXX debt in the amount of {$3300.00}. The debt listed was from XX/XX/XXXX. I believe MRS BPO is trying to collect the same debt that was resolved with XXXX last year.
|
| 01/13/2021 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
I received a debt collection request whose creditor is XXXX XXXX XXXX. I don't owe the debt ( I don't even have an account in XXXX XXXX XXXX XXXX. Last year when they tried to collect the debt through some debt collector ( I forgot the name ), and I disputed it. However this year, again, they send me a collection letter, from a different collector, MRS BPO, L.L.C..
I don't owe the debt, and I have disputed it. So I don't understand why they send me another debt collection.
|
| 06/07/2018 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
I closed XXXX account XX/XX/XXXX in XX/XX/XXXX i learn my credit score has been impacted by an unpaid bill over {$300.00}. i was never late a payment in 6 years with XXXX but now this bonus.I never received mail. I am not convinced I owe this because I have not had a phone active with XXXX since XX/XX/XXXX XX/XX/XXXX. the collection agency called a couple dozen times a day. i switched carriers because XXXX coverage was bad and they would not fix the gaps. i was missing calls.
|
| 03/19/2023 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
This debt collector engaged in abusive, deceptive, and unfair practices of the FDCPA which it prohibits. They furnished this account that we didn't agree upon and I didn't sign an agreement on. A legal contract is signed by two parties and I did not participate in any of it. More so they didn't follow the proper 5 step validation procedure which make this unfair practices. According to the FDCPA Im entitled to XXXX dollars per violation and clearly they violated my rights.
|
| 06/23/2022 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt was paid
|
|
Web |
|
|
I paid my cellular phone bill to XXXX XXXX XXXX for {$100.00} in 2021. I explained to the debt collector that XXXX XXXX XXXX would not unlock my phone number until the bill was paid in complete. I paid the debt and made the switch to another cell phone provider ( XXXX ). California law states that a user can not change cell phone providers without the former provider being paid in full. My phone was unlocked and XXXX reconnected with the same cell number ( XXXX ) XXXX.
|
| 11/11/2021 |
Yes |
- Debt collection
- Auto debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
XX/XX/21 - MRS BPO LLC collections agency sent me a letter stating that they are attempting to collect {$300.00} balance owed.
XX/XX/21 - I sent a debt validation letter requesting that they validate the debt XX/XX/21 - The letter that was sent via certified mail was delivered.
XX/XX/21 - It has been more than 60 days and the debt has not been validated. The collection agency is non-compliant with the FDCPA. This company may not attempt to damage my credit report.
|
| 10/20/2016 |
Yes |
- Debt collection
- Other (i.e. phone, health club, etc.)
|
- Disclosure verification of debt
- Right to dispute notice not received
|
|
Web |
Servicemember |
|
I never received a notice of right to dispute in the mail is my first complaint. This is a violation of the FDCPA of course.
I requested validation as well and they still never validated with me via mail. Instead they reported the debt to another credit bureau, XXXX, which they never reported to before. This is also a violation of the FDCPA.
On top of that this is a fraudulent account. It did not initiate at my address at all. I am not even aware of this account.
|
| 08/28/2023 |
Yes |
- Debt collection
- Telecommunications debt
|
- Written notification about debt
- Didn't receive enough information to verify debt
|
|
Web |
|
|
I formally submitted a debt validation request to MRS BPO on XX/XX/2023. None of this information has been provided to me. I also received no notice of my right to dispute this debt. The debt is for {$99.00}. I originally cancelled my services with the original creditor and paid what I thought was my last bill in full. Apparently they attempted to bill me again, but I had changed payment information and moved out of the current residency they were sending bills to.
|
| 12/19/2017 |
Yes |
- Debt collection
- Private student loan debt
|
- Attempts to collect debt not owed
- Debt was already discharged in bankruptcy and is no longer owed
|
|
Web |
Servicemember |
|
It was brought to my attention that I have a debt collection on my credit ( {$3300.00} ) for a student loan that belongs to my brother who filed bankruptcy in 2015. I am in the process of purchasing a new home through the VA Loan program and can not proceed any further until I get this issue resolve. I am also going through my security clearance update in the military and they showed the debt with a XXXX balance.
I thank you in advance for your time and support!
|
| 09/25/2016 |
Yes |
- Debt collection
- Other (i.e. phone, health club, etc.)
|
- Cont'd attempts collect debt not owed
- Debt was paid
|
|
Web |
|
|
XXXX sent a final bill to the wrong address after I closed out my account when my contract was over I looked up the bill and paid it IN FULL they took my payment but held the bill to sell to a 3rd party collections agency NEVER telling me ANYTHING I assumed the account was paid in full called and they just re sent me to collections where i had to pay an additional {$22.00} they still put derogatory mark & late payment even though the debt was already paid for
|
| 10/31/2016 |
Yes |
- Debt collection
- Other (i.e. phone, health club, etc.)
|
- Cont'd attempts collect debt not owed
- Debt is not mine
|
|
Web |
Older American |
|
I believe this is a debt that I disputed in 2009 for cable services.
I moved to the XXXX XXXX in XXXX of 2009 and asked to cancel my cable service in XXXX.
I spoke with a representative at the time and was assured that this would be done.
Sometime later, I was told that I owed for 2-3-4 months of service. ( I no longer have the documentation from this matter. ) I now have a {$140.00}. collection amount showing on XXXX my Credit Reports by MRS BPO, LLC.
|
| 10/20/2015 |
Yes |
- Student loan
- Non-federal student loan
|
- Dealing with my lender or servicer
- Having problems with customer service
|
|
Web |
Servicemember |
|
Hello, I obtained a loan over 7 years ago from XXXX who sold the loan. Eventually it went to XXXX who have hired MRS Associates to collect on the debt. The balance has went from XXXX when the note was originally signed to XXXX. I am a mother of XXXX I work part time as XXXX working XXXX hours a week. They refuse to make a payment arrangement base on my income to assist with paying off the debt. Since the interest is so astronomical it will never be paid off.
|
| 03/16/2018 |
Yes |
- Debt collection
- I do not know
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
Ran a check on my credit and found 2 debt collections from same company. Contacted them last week to dispute it and was told that I would receive information about the account because I have no knowledge of the accounts in question. Instead, I received a notice that I have 30 days to dispute it or I'm liable for them. I do not know anything about these accounts so I want detailed information about these accounts. I've attached the notices for your review.
|
| 11/29/2023 |
Yes |
- Credit reporting or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Information belongs to someone else
|
|
Web |
|
|
XXXX is not allowing me to file disputes an has deleted pass dispute investation results of two collection XXXX XXXX XXXX XXXX ( XXXX ) XXXX was to be removed XXXX $ I dont owe this debt it was removed previously under another collector an has been investagated remove this item second MRS BPO ( XXXX ) for XXXX $ should be removed someone opened this acct while I was a resident of Illinois this is not mines and should be removed I did not open this acct
|
| 08/17/2018 |
Yes |
- Debt collection
- Auto debt
|
- Communication tactics
- Frequent or repeated calls
|
|
Web |
|
|
To whom it may concern, Other then myself numerous family members have been receiving calls from XXXX XXXX XXXX real results debt collector XXXX XXXX, NJ phone # XXXX. I would like for this company to only contact me through mail and leave my family that live in XXXX XXXX, ca and XXXX, New Mexico alone this is not their bill it is MINE. The only reason I know of this collections because I receive emails from my family and I would like for it to stop.
|
| 09/15/2023 |
Yes |
- Credit reporting or other personal consumer reports
- Credit reporting
|
- Improper use of your report
- Reporting company used your report improperly
|
|
Web |
|
|
On XX/XX/2023 I received a letter from XXXX XXXX XXXX XXXX XXXX stating that I owe XXXX XXXX {$4300.00}. I did not give authorization for XXXX a third party and to take over XXXX XXXX account. When I called XXXX XXXX a copy of the signed documents showing that I gave them authorization they never sent it to me. Now it is XX/XX/2023 and I would like this off my credit report it is giving me a negative report and would like to have this off immediately.
|
| 05/23/2023 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt was result of identity theft
|
|
Web |
|
|
This debtor claims I opened a XXXX account this year which i never did in Florida. Some one used my identity to open this fraudulent charge XXXX and XXXX XXXX have removed this after I told them I did not open this XXXX has refused to remove this this charge is not my charges below is the information MRS BPO , LLC.
Dispute not available XXXX XXXX XXXX XXXX Account owner Individual Account Original Creditor XXXX Date reported XX/XX/2023 amount XXXX
|
| 08/18/2021 |
Yes |
- Debt collection
- Other debt
|
- False statements or representation
- Attempted to collect wrong amount
|
|
Web |
|
|
XXXX XXXX is attempting to collect a debt balance that is being inflated with a ridiculous amounts of fees. The debt has reached {$5800.00} which now includes {$890.00} of collection fees. This is outrageous and there is no way anyone would be able to pay a debt that continues to accumulate fees that are in the thousands. This is outright consumer abuse. I have attached the notice I received of the inflated balance that is attempting to be collected.
|
| 05/09/2020 |
Yes |
- Debt collection
- Other debt
|
- Communication tactics
- Frequent or repeated calls
|
|
Web |
Older American |
|
ON XX/XX/2020, I received a text from MRS associates about a unconfirmed bill with XXXX XXXX. I replied to that text message to stop -- the stop was not acknowledged bu MRS .
On XX/XX/2020, I spoke to A Mrs. XXXX XXXX a rep at MRS about this issues. I asked her to validate the claim and her response to me was " I dont know what that is '' As on the date of this filing, MRS has not acknowledge my request to validate this debt as my right under FCRA.
|
| 03/17/2021 |
Yes |
- Debt collection
- Auto debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
I recently received letter dated XX/XX/2021 from MRS BPO LLC in an illegal attempt to collect an alleged debt in the amount of {$22000.00} that I do not owe. In response I have submitted a dispute letter dated XX/XX/2021 with clear instructions to cease and desist all collection activity, including all reporting to consumer reporting agencies. Also, to promptly request deletion of any and all prior reporting made to any consumer reporting agencies.
|
| 02/19/2022 |
Yes |
- Debt collection
- Other debt
|
- Communication tactics
- Frequent or repeated calls
|
|
Web |
|
|
I have paid XXXX XXXX XXXX my phone bill before closing my account last year! I have already contacted all credit companies and they removed it bc it was wrongful and now again for the second time they have resold my information to Mrs Bpo and these arrogant disrespectful have no regard for anyone BLOWS my phone up from noon to dusk.
They should be held accountable and there needs to be a revolution on this Abusive entity having this much power.
|
| 12/17/2022 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt was paid
|
|
Web |
Servicemember |
|
I have a collection account on my XXXX credit report that is inaccurate. It states I owe {$120.00} for a service I still have, that is open and active and I am making monthly payments. This is entirely unethical in so many ways. To have a collection account on an open active account that I have. I have called the originator and was told my account has never been put into collections.
I would like this to be removed and deleted from my account.
|
| 10/06/2021 |
Yes |
- Debt collection
- I do not know
|
- Took or threatened to take negative or legal action
- Threatened or suggested your credit would be damaged
|
|
Web |
Older American |
|
mrs bpo XXXX XXXX XXXX XXXX XXXX, nj.XXXX phone XXXX XXXX XXXX and XXXX XXXX XXXX they put a collection on my credit report.This is not my account.
I called the phone numbers and gave them my social security no. and phone no. and address they said they have no accounts. I told them I know that and this collection is not mine.But they said they couldn't remove it because they had no account number.amount is {$1100.00} and said opened on XX/XX/21
|
| 11/22/2023 |
Yes |
- Debt collection
- Credit card debt
|
- Written notification about debt
- Notification didn't disclose it was an attempt to collect a debt
|
|
Web |
|
|
I have provide with Document should be sufficient to investigate MRS Offer to Settle the Account i have sent a copy of the contract payment record and loan information and before the final payment scheduled for XX/XX/30 in the amount of XXXX I notice that the Account was transfer Back to XXXX all payments have been made as agreed MRS have fail to complete the Settlement agreement and i have provide with all evidence needed Thank you. XXXX XXXX
|
| 07/24/2022 |
Yes |
- Debt collection
- I do not know
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
On XX/XX/2022 a collections account with a balance of {$600.00} was opened under my name from a company called MRS BPO. It says the original creditor was XXXX XXXX XXXX. I have not heard of either company and do not owe any bills to them. I haven't received anything in the mail regarding any debt owed by either of these companies. I believe they sent the collections to the wrong person and I want this report removed from my record immediately.
|
| 03/25/2021 |
Yes |
- Debt collection
- Credit card debt
|
- Written notification about debt
- Didn't receive enough information to verify debt
|
|
Web |
|
|
I sent 2 separate letters on XX/XX/2021 and XX/XX/2021 to MRS BPO LLC to validate an account that they alleged that I owe. There was no response. As a consumer I have the right to request verification/validation of account and this company is violating my rights This company is reporting a XXXX XXXX account that is not valid. Theres a lot of information that is reporting inaccurately on all 3 credit bureaus. This is a violation under the FCRA.
|
| 03/24/2021 |
Yes |
- Debt collection
- Credit card debt
|
- Written notification about debt
- Didn't receive enough information to verify debt
|
|
Web |
|
|
XX/XX/XXXX. XXXX and XX/XX/XXXX XXXX XXXX sent a letter requesting verification and validation of account and there was no response. In addition this company is reporting inaccurate information on my credit report. The date of last activity and the last payment date is incorrect and is showing different on all 3 credit bureaus.
Validation letters was also sent to the 3 credit bureaus and was not verified or validated correctly in XX/XX/XXXX.
|
| 09/23/2021 |
Yes |
- Debt collection
- Other debt
|
- Took or threatened to take negative or legal action
- Threatened or suggested your credit would be damaged
|
|
Web |
|
|
I received a letter from a company called MRS BPO LLC stating that they would obtain a judgement against me if I did not pay money to them for a collection account for XXXX within 30 days of a letter dated XX/XX/21 and postmarked XX/XX/21.
1 ) Ive never had a credit account with XXXX and when I called the number listed I was on hold for 2 hours on three separate occasions.
This is harassment and a bullying tactic and I want this to STOP!
|
| 01/04/2023 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Improper use of your report
- Reporting company used your report improperly
|
|
Web |
|
|
In accordance with the fair credit Reporting act XXXX Account # XXXX, has violated my rights.
15 USC 1681 Section 602 States I have the right to privacy.
15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.
15 USC 1666B : A creditor may not treat a payment on a credit card account under al open end consumer credit plan as late for et9k purpose.
446
|
| 06/13/2022 |
Yes |
- Debt collection
- Credit card debt
|
- Attempts to collect debt not owed
- Debt was result of identity theft
|
|
Web |
|
|
Received a collection letter in the mail on XX/XX/2022 saying I owed {$2400.00} on an XXXX XXXX account for XXXX furniture with XXXX bank. I did not open this account and was not aware of the account being opened. I contacted the fraud department at XXXX bank to find out what was going on. I reported it with the bank and took the initial steps to help me with this problem. I started a fraud file number with them and the number is- XXXX.
|
| 11/01/2022 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt was result of identity theft
|
|
Web |
|
|
I have a police report when my wallet was lost and had my social unit, I contacted the company and XXXX XXXX to let both of them know that this that is not mine. They have not done nothing to help me the company, but keep threatening and calling. On a daily basis, after I have told him that there is not mine, they also they dont see the proper things they dont say this is a recorded line and they dont say what companies are calling from
|
| 09/10/2021 |
Yes |
- Debt collection
- Credit card debt
|
- Attempts to collect debt not owed
- Debt was paid
|
|
Web |
|
|
I had a XXXX XXXX credit card XXXX account that was charged off. I settled this account out directly with XXXX XXXX for {$840.00} and the payment cleared my bank account. Months later now I am getting contacted by a collection company called MRS BPO trying to collect on the same debt. Not only has the account been resolved it is still on my credit file as if I owe and now a collection company is reporting I owe as well.
Please help
|
| 03/11/2021 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt was already discharged in bankruptcy and is no longer owed
|
|
Web |
|
|
XX/XX/2021 Called the MRS BPO at XXXX and advised that I received letter # XXXX. I advised them that the debt was included in chapter XXXX bankruptcy. I advised her that it is against the law to contact me or try to resale the debt. The rep asked my name so I gave it to her. She then said she should I had 2 last names and I advised my name again and the name shown on the letter. She then hung up and when I called back didn't answer.
|
| 09/08/2021 |
Yes |
- Debt collection
- Other debt
|
- False statements or representation
- Attempted to collect wrong amount
|
|
Web |
Servicemember |
|
In the beginning of XX/XX/2021 I contacted XXXX about my rising phone bill. It was discovered that they enrolled me in digital protection without my knowledge. This added XXXX a moth for over 12 months. I asked for a refund of the fraudulent charges. I decided to change carriers because of my negative experience with XXXX. At the end of XXXX my bill was paid in full and I changed carriers. My XXXX bill was not due until XXXX 2021.
|
| 10/09/2023 |
Yes |
- Credit reporting or other personal consumer reports
- Credit reporting
|
- Improper use of your report
- Reporting company used your report improperly
|
|
Web |
|
|
In accordance with the fair credit reporting act this creditor has violated my rights under 15 USC 1681 section 602 states I have the right to privacy, 15 USC 1681 section 604 a section 2 it also states a consumer reporting agency can not furnish an account without my written instructions. Under 15 USC 1666B a creditor may not treat a payment on a credit card account under an open and consumer credit plan as late for any purpose.
|
| 09/27/2022 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
Servicemember |
|
XXXX has confirmed multiple times that the bill for the non-return router of {$780.00} has been disputed. ticket number : # XXXX and # XXXX however MRS BPO, L.L.C debt collector refused to dispute debt and insist that I have to pay it off. XXXX has done a 3 way call to explain to them that I am no longer responsible for {$780.00}, but MRS BPO, L.L.C sent my " debt '' to my XXXX, XXXX, XXXX and made my credit dropped XXXX points.
|
| 10/15/2023 |
Yes |
- Debt collection
- Telecommunications debt
|
- Attempts to collect debt not owed
- Debt was result of identity theft
|
|
Web |
|
|
Please consider this a formal request to investigate and correct the following inaccurate items on my credit report issued by your agency. These items must be removed in order to show my true credit history. I make this request pursuant to15 USC Section 1681i of the Fair Credit Reporting Act of 1997. As required by the Act, I demand that you re-verify each of these items, and that the inaccurate items be deleted from my record.
|
| 10/13/2022 |
Yes |
- Debt collection
- Auto debt
|
- Took or threatened to take negative or legal action
- Threatened or suggested your credit would be damaged
|
|
Web |
|
|
A debt buyer is attempting to collect on a debt that is currently under fraud and being worked as an ID theft case with XXXX XXXX XXXX, and the credit bureaus.
I do not owe MRS BPO LLC XXXX and they are attempting to collect on a debt that is not owed to them and a debt that I do not owe!
They need to provide me with a WET INK SIGNATURE of a contract showing that I owe them money.
Again, this company is a debt buyer
|
| 01/17/2016 |
Yes |
- Debt collection
- I do not know
|
- Cont'd attempts collect debt not owed
- Debt is not mine
|
|
Web |
|
|
I just pulled a copy of my credit report and noticed that your agency is reporting that I owe you a debt. I was not aware of this debt until now, and under my rights under the FDCPA, I request that you validate this debt.
The details of the debt on my credit report are as follows : Account number : XXXX Address Identification Number : XXXX Inquiry made on : XXXX/XXXX/2014 Company Name : MRS BPO Original Creditor : XXXX
|
| 06/22/2023 |
Yes |
- Debt collection
- Credit card debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
An identity theft claim was filed due to unauthorized charges on my account. I went back and forth with XXXX XXXX to correct my account. In XX/XX/2022 the last correspondence I received about my claim stated my provisional credits were finalized and now permanent meaning I was not liable. Now Im receiving communication from an agency on their behalf for $ XXXX that I do not owe. This is illegal and I want this remedied
|
| 11/16/2019 |
Yes |
- Debt collection
- I do not know
|
- Attempts to collect debt not owed
- Debt was result of identity theft
|
|
Web |
|
|
Hello.this is the second time XXXX, has allowed the same person, at the same address to open an account, in my name .first time debit was trying to be collect by ... .XXXX XXXX XXXX ... I filed a police report ... stating it was fraud ... .and now same address and apt ... they did it again ... and now MRSBPO.Has acquired it ... different dollar amount..XXXX XXXX XXXX wanted XXXX.and mrsbpo wants XXXX none of which I owe
|
| 05/17/2022 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt was result of identity theft
|
|
Web |
|
|
I received a debt collection notice in the mail from MRS which I guess is a debt collection company. The bill was sent XX/XX/2022 for {$3100.00} and it is not me. Ive never had XXXX and I was a victim of identity theft. I called MRS to discuss what my next steps should be and they updated the profile and told me to make a police report and send affidavit to the website of www.Verizon.com/fraud and to the email of XXXX.
|
| 04/29/2022 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Improper use of your report
- Reporting company used your report improperly
|
|
Web |
Servicemember |
|
In accordance with the Fair Credit Reporting Act XXXX XXXX has violated my rights.
15 USC 1681 section 602 states I have the right to privacy.
15 USC 1681 Section 604 Part 2 : it also states a consumer reporting agency can not furnish an account without my written instructions.
15 USC 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose.
|
| 12/14/2023 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
I received a letter from MRS BPO a debt collection agency stating that I owed a debt of XXXX to discount power. I do not recognize that power utility company. I attempted to call MRS BPO however my calls repeatedly went unanswered. I wanted to find out if somebody used my identity to open a utility account. I verified with my bank that recent payments have been successfully processed with my existing utility company.
|
| 04/25/2022 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt was result of identity theft
|
|
Web |
|
|
On XX/XX/22 credit report was given stating points decreased due to one unpaid bill with MRSBPO collections. Called this company and was informed of ( XXXX ) area code with Florida address had opened an XXXX mobile account back in XXXX XXXX and amount pending was {$2200.00}. I never lived in Florida nor do I own a mobile number starting with area code ( XXXX ). I did not give consent or open an XXXX mobile account.
|
| 03/17/2022 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt was result of identity theft
|
|
Web |
|
|
Either XXXX XXXX XXXX XXXX XXXX or MRS BPO has contacted me or sent a letter to my address.
XXXX XXXX notified me of a debt reported by XXXX XXXX on XX/XX/XXXX. I had XXXX XXXX send a dispute to say that it was not mine, they said it was mine. The account was open XX/XX/2022. The open balance is for {$1000.00} and came from " XXXX XXXX XXXX '' is the original creditor.
I do not have any debt with XXXX or XXXX.
|
| 12/04/2021 |
Yes |
- Debt collection
- I do not know
|
- Attempts to collect debt not owed
- Debt was result of identity theft
|
|
Web |
|
|
My name is XXXX XXXX, and I am sending this request myself to address the inaccuracies on my Credit Reports.
The XXXX Credit Bureaus are reporting inaccurate information on MRS BPO, LLC.. Per FCRA, reporting must be 100 % accurate or the information must be deleted. Evaluate this reporting by making a revision of the information provided. Modify and perform any corrections or withdraw this from my personal file.
|
| 01/06/2020 |
Yes |
- Debt collection
- Other debt
|
- Communication tactics
- You told them to stop contacting you, but they keep trying
|
|
Web |
|
|
On XX/XX/2019 I received a letter from MRS BPO regarding a debt to XXXX which I do not believe I owe. I responded, in writing, on XX/XX/XXXX to dispute the debt and to request that MRS BPO cease phoning me and communicate with me only in writing. To date I have received no written response or documentation to validate the debt or respond to my dispute but MRS BPO continues to make multiple calls to my cell phone.
|
| 08/01/2018 |
Yes |
- Debt collection
- Credit card debt
|
- Written notification about debt
- Didn't receive notice of right to dispute
|
|
Web |
|
|
They repeatedly keep attempting to collect debt from me when it's impossible to pay for anything because there is no gold or silver in circulation. According to the UNITED STATES CONSTITUTION Article 1 Section 10. There has not been Gold or Silver in circulation since 1933.
I am asserting my right to discharge the entire amount. I have the right according to UCC and Creditor/Debtor Law, and according to HJR 192.
|
| 04/26/2023 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt was paid
|
|
Web |
Servicemember |
|
MRS BPO , LLC has been contacting me via email stating that they are collecting a debt for an account I had with XXXX They are not the owners of this debt as I have spoken with XXXX who says that the collector is XXXX XXXX. I have contacted XXXX XXXX and paid off this debt. MRS BPO , LLC continues to contact me with the account details including the account number and amount of the paid debt asking for payment.
|
| 08/30/2022 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Information belongs to someone else
|
|
Web |
|
|
The collections account they are showing never belonged to me nor did I ever live at that address for service. All this information is invalid and incorrect. Also I will include a screenshot of my active XXXX account. If I owed money I wouldnt be able to have service. Company name is MRS BPO who is charging that collection please take a look at my address and see what address that collection agency is reporting.
|
| 04/15/2020 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt was paid
|
|
Web |
Older American |
|
I previously filed a complaint on this matter and the company, MRS BPO , LLC, agreed to withdraw further collection attempts on the incorrect billing. To my surprise, we received a new collection letter on this yesterday ( XX/XX/20 ) from MRS BPO , LLC in spite of the fact that they had agreed to cease collection attempts. This is a breach of their agreement and promise made in response to my original complaint.
|
| 07/07/2021 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt was paid
|
|
Web |
|
|
MRS BPO , LLC never contacted me but reported {$61.00} to all three credit bureaus - XXXX XXXX and XXXX XXXX and XXXX have removed the collection, per my complaint. XXXX has not removed the collection, to date.
Original creditor, XXXX received their equipment on XX/XX/2020 ( Device XXXX and Device XXXX ) at the XXXX store # XXXX at XXXX XXXX # XXXX, XXXX, TX XXXX XXXX TRACKING # XXXX XXXX SHIPMENT ID : XXXX
|
| 06/22/2018 |
Yes |
- Debt collection
- I do not know
|
- Threatened to contact someone or share information improperly
- Talked to a third-party about your debt
|
|
Web |
|
|
My employer and family members are getting repeated phone calls from MRS associates. My father specifically has been receiving multiple phone calls a day from them and has been informed by someone at there office that I currently have an outstanding debt which is a violation of my rights. This debt has not been verified and I feel harassed and embarrassed that my private information is being shared with others.
|
| 03/29/2018 |
Yes |
- Debt collection
- I do not know
|
- Written notification about debt
- Didn't receive notice of right to dispute
|
|
Web |
|
|
On XX/XX/2018 I received a notification from XXXX and XXXX that MRS BPO LLC ( Address : XXXX XXXX XXXX, XXXX XXXX, NJ XXXX ) has flagged my account as a Collections account for the amount of {$230.00}. Prior to this they did not contact in any way, shape, form or fashion to give me a chance to dispute this account. I have no idea of what this account is for. This has caused me credit score to drop drastically.
|
| 11/05/2020 |
Yes |
- Debt collection
- I do not know
|
- Communication tactics
- You told them to stop contacting you, but they keep trying
|
|
Web |
|
|
I am getting text messages from MRS Associates saying that they are collecting a debt from XXXX. I keep reporting them as spam and blocking the number, but they continue to text from different numbers. I am not aware of any debt with XXXX. If this debt is legitimate, I have not received any written notification. I have called the company and told them to remove me from their list, but I continue to get texts.
|
| 02/15/2019 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
Text received on XX/XX/2019 and XX/XX/2019.
Please contact MRS Assoc. regarding a XXXX matter at ( XXXX ) XXXX. This is an attempt to collect a debt and any information obtained will be used for that purpose. MRS is a debt collector. Further details have been mailed or emailed. Please review your email inbox, junk, or spam folder. Prefer to chat? Visit us at www.mrsbpo.com and chat with a representative.
|
| 04/25/2018 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt was result of identity theft
|
|
Web |
|
|
Debt was due to Identity theft. Fraus alert was activated. Original 'creditor ' was XXXX XXXX . XXXX were notified of dispute and asked to obtain verification of debt as I was not contacted when credit was 'approved ' by them. Fraud alert required them to call me personally. They did not. Subsequently the collection was taken off my credit report.
Now, MRS Associates are trying to collect the 'non ' debt.
|
| 01/18/2023 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt was paid
|
|
Web |
|
|
I have made a few attempts to take care of a debt that I dont owe from XXXX XXXX XXXX XXXX I contacting MRS BPO Associates, each time I have explained why I do not owe this debt. Just today, XX/XX/23 I called to ask for email address to send my proof that I do not have any debt. The person I spoke to, today and on another occasion was very rude ( yelling, combative, accusing ) and very verbally abusing.
|
| 08/28/2020 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt was already discharged in bankruptcy and is no longer owed
|
|
Web |
|
|
XX/XX/XXXX tried to disputed information from an collections agency that was included in bankruptcy that was discharged XX/XX/2020 by the state Of Maryland. Credit Reporting agency contacted and still showing on my credit as owed and affecting my ability to start over. Along with having the bankruptcy. I need help getting it removed. I also sent documentation to the credit agency to verify my statement.
|
| 02/26/2018 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Account status incorrect
|
|
Web |
|
|
My Bill From XXXX was under negotiation. The final Bill was not clear and not agreeable. Without any update the Bill was handed over to MRS BPO LLC collection company. I told then to stop calling and wanted to talk to XXXX but they kept calling and harassing me. Now there is a derogatory remark on my credit report and I am being shuttled between XXXX XXXX and MRS BPO LLC for making attempts to amend it.
|
| 11/20/2023 |
Yes |
- Debt collection
- Telecommunications debt
|
- Electronic communications
- Frequent or repeated messages
|
|
Web |
|
|
This company continually texts me.. daily.. even after I have asked for them to stop. I have responded and asked them to verify the debt.. they have not. I have never had an account with XXXX and they continually text me, call me etc trying to collect. I have blocked numbers only to be contacted through a new number. It is endless and it is annoying. It interrupts my work day and I just want it to end.
|
| 04/14/2023 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
Servicemember |
|
This is not my debt it is supposed to from XXXX XXXX XXXX. I have no knowledge of this account as I have had a att cell phone open active and current for over 20 years. I sent this company a debt validation letter and it was removed from my credit report only to reappear a month later. The first notice I received of this so called debt is when it appeared on my credit report, no letter or phone calls.
|
| 01/26/2023 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt was result of identity theft
|
|
Web |
|
|
here is a collection account that is being reported to the credit bureaus that I do not recognize and I am not aware of. This is clearly fraudulent. Listed below are the details.
XXXX XXXX XXXX # : XXXX Opened : XX/XX/2022 Balance : {$880.00} Tried to dispute this account multiple times but the company did not take action on the dispute I filed. I am attaching my FTC Affidavit to back up my claims.
|
| 05/15/2023 |
Yes |
- Debt collection
- I do not know
|
- Written notification about debt
- Didn't receive enough information to verify debt
|
|
Web |
|
|
I have not received any information/correspondence/phone calls on what this debt is. It just showed up on my credit report about a XXXX ago. I have lived at the same address and had the same cell phone number for over XXXX years so getting a hold of me should not have been a problem. I pride myself on my excellent credit and would not let something go to collections... especially for {$250.00}.
|
| 10/29/2022 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt was result of identity theft
|
|
Web |
|
|
Collection company : MRS BPO , LLC Creditor name : XXXX I believe this is a phone account originating in Texas. I have never lived there in my life. Also, the account is under my birth name. I haven't used that name in more than twenty years.
I contacted XXXX approximately 8 months ago and was told they'd remove the account. It in now on my credit reports and my score has dropped XXXX points.
|
| 12/17/2021 |
Yes |
- Debt collection
- Other debt
|
- Took or threatened to take negative or legal action
- Threatened or suggested your credit would be damaged
|
|
Web |
|
|
The service was canceled and paid in full at the closing of the agreement. threatened to contact the company and damage my credit history regardless of full payment, decried to give my a proof of collections. Collection company threatened to destroy my credit by putting in false report, mentally abused me and my family by calling us again and again.
As for the proof, refused to provide me any.
|
| 07/14/2023 |
Yes |
- Debt collection
- I do not know
|
- False statements or representation
- Indicated you were committing crime by not paying debt
|
|
Web |
|
|
I am writing to delete and remove the following accounts and information off of my consumer report. The accounts and information listed below should not be reported on to my consumer report. This is a direct violation of the FDCPA and FCRA and needs to be deleted and removed off of my consumer report immediately as it's violating several laws. Remove these accounts and information immediately!
|
| 06/08/2023 |
Yes |
- Debt collection
- I do not know
|
- False statements or representation
- Indicated you were committing crime by not paying debt
|
|
Web |
|
|
I am writing to delete and remove the following accounts and information off of my consumer report. The accounts and information listed below should not be reported on to my consumer report. This is a direct violation of the FDCPA and FCRA and needs to be deleted and removed off of my consumer report immediately as it's violating several laws. Remove these accounts and information immediately!
|
| 02/25/2019 |
Yes |
- Debt collection
- Other debt
|
- Written notification about debt
- Didn't receive enough information to verify debt
|
|
Web |
|
|
I sent a letter to MRS BPO LLC on XX/XX/ 2019 ( within my 30 day window ) disputing the validity of the debt ( Acct Number XXXX ). I have yet to receive a response from the company validating the debt that is owed. In my letter that I have attached, I asked them to provide the proper documentation within 30 days and if not that they should remove from all credit reports. Nothing has been done.
|
| 10/24/2022 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
Servicemember |
|
On XX/XX/2022 I received the following text ; " Please contact MRS Assoc. at ( XXXX ) XXXX regarding a matter for XXXX. MRS is a debt collector. If you want to opt out of future text messages reply with STOP. Visit us at : XXXX XXXX XXXX '' There is no indication what XXXX company is involved, nor is there any information provided to indicate the account belongs to me. The debt is not mine.
|
| 05/20/2022 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt was result of identity theft
|
|
Web |
|
|
I am a natural person/ not a third party I just know my rights I have never enter any contract nor did any business with MRS BPO AKA MRS ASSOCIATES. This was a fraudulent account open under my name and I did not do any business with att nor this debt collector and the I gave notice to both of the companies. This is a violation of the FDCPA!!!! I sustained damages and I demand reimbursement!!!
|
| 10/20/2021 |
Yes |
- Debt collection
- I do not know
|
- Written notification about debt
- Didn't receive enough information to verify debt
|
|
Web |
|
|
HELLO MY NAME IS XXXX XXXX AND IVE BEEN ATTEMPTING TO TRY AND RESOLVE THIS MATTER WITH MRS XXXX XXXX. PLEASE READ THE FOLLOWING NOTICE THOROUGHLY AND CAREFULLY BEFORE RESPONDING. IT IS A NOTICE. IT INFORMS YOU. IT MEANS WHAT IT SAYS. FOR THESE REASONS IT IS RECOMMENDED THAT YOU CAREFULLY CONSIDER THIS NOTICE AND RESPOND IN SUBSTANCE, WHICH MEANS ACTUALLY ADDRESSING THE POINTS RAISED HEREIN.
|
| 11/12/2020 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
Company keeps sending me Emails saying that my grandmothers XXXX account that Im the holder of has a balance of XXXX dollars unpaid. XXXX has been contacted they do not have anything sent to collections. I tried to call the company but you cant talk to anyone without giving the last four of your social which of course I do not feel comfortable with because I know nothing about this company.
|
| 03/23/2020 |
Yes |
- Debt collection
- I do not know
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
Received texts and calls from person/s indicating that they worked with MRS Associates debt collection about a debt owed to XXXX XXXX. I have zero knowledge of having any debts owed and the numbers do not match listed numbers for MRS Associates so I believe them to be completely fraudulent.
The number that they called with is : XXXX They texted with : XXXX, XXXX, XXXX, XXXX, XXXX, XXXX
|
| 10/11/2022 |
Yes |
- Debt collection
- I do not know
|
- Attempts to collect debt not owed
- Debt was result of identity theft
|
|
Web |
|
|
MRS BPO, L.L.C., sent me information on account I have no knowledge of. I have not conducted business with this company or provided them with my information. They advised me that it's a debt from XXXXXXXX XXXX in the amount {$3200.00} which I have no knowledge and is fraud.
MRS BPO, L.L.C., is no licensed to collect funds in the state of GA as well and acquired my location information.
|
| 04/30/2019 |
Yes |
- Debt collection
- I do not know
|
- Communication tactics
- Frequent or repeated calls
|
|
Web |
|
|
I keep getting calls from this number and I have told them they have the wrong person and they would still call me. I have blocked the number on my phone and they keep calling me from different numbers. How many numbers can I block? This company is calling me frequently on weekdays, weekends and non-stop.
Apparently its from a debt collection company called MRS Associates based in NJ
|
| 06/01/2021 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
The below Debt Collection is Fraud and it is not my account. I contacted MRS Associates and this debt is not belong to me.
MRS ASSOCIATES has flagged your account as Collections on XX/XX/2021.
Source : XXXX Company : XXXX XXXX Address : XXXX XXXX XXXX, XXXX XXXX, NJ XXXX Phone : ( XXXX ) XXXX Activity : XXXX XXXX XXXX ( Collections ) Balance Date : XX/XX/2021 Balance : {$440.00}
|
| 04/28/2021 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt was paid
|
|
Web |
|
|
A debt appears due to equipment I was not able to return until everything started to open back up due to COVI19. I do not owe XXXX for services and the equipment has been returned to XXXX. This company keeps adding this debt to my credit bureaus and reporting new every month. I have tried to dispute it to no avail. They are not available on the phone when I've tried to call them.
|
| 06/27/2015 |
Yes |
- Debt collection
- Other (i.e. phone, health club, etc.)
|
- Cont'd attempts collect debt not owed
- Debt is not mine
|
|
Web |
|
|
I received a letter stating that I owed money for my XXXX cell phone bill. However, I am currently up to date with my cell phone payment and have never fallen behind. Therefore, this debt is completely fictional and I am not going to pay it to this company that claims the debt has fallen into collections. The company is called "MRS XXXX" from MRS Associates at XXXX NJ XXXX
XXXX
|
| 09/15/2023 |
Yes |
- Credit reporting or other personal consumer reports
- Credit reporting
|
- Problem with a company's investigation into an existing problem
- Problem with personal statement of dispute
|
|
Web |
|
|
I submitted a dispute through XXXX for a collection from MRS BPO. They did not provide an itemized statement of charges being reported therefore my rights are being violated. They are reporting inaccurate information and its affecting me. MRS BPO is not licensed in Texas as a collection company therefore they are fraudually reporting on my credit and XXXX refuses to look into it.
|
| 01/02/2020 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
I had a contract ( 2nd round of contract ) with XXXX XXXX. I fulfilled my contract and kept service for the full term. Once I switched to another provider they billed me for the contract penalty of {$250.00}. This is inaccurate as I completed my contract. I have called and they said they would adjust but they have not and this company has put in on my credit file and calling me.
|
| 09/13/2017 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
MRS BPO llc Reported a Derogatory from XXXX XXXX on my credit report today ( X/XX/17 ) that was disputed and removed from All 3 of my Credit Reports 3 weeks ago from another company ( XXXX XXXX ) that was reporting. And to further Add on, This company MRS BPO llc never called me, Never sent me any letters or anything of that Nature. This is a scam and needs to be investigated.
|
| 01/25/2024 |
Yes |
- Debt collection
- Telecommunications debt
|
- Attempts to collect debt not owed
- Debt was result of identity theft
|
|
Web |
|
|
Checked my credit this morning and was alarmed to find that I had a derogatory collection on my credit. The collection agency isMRS BPO. The original creditor was XXXX XXXX XXXX. I called the collection company and they said the account originated in XXXX, I do not live in XXXX, I live in Washington. I have not had XXXX XXXX XXXX since XXXX. Please help me investigate this,
|
| 08/10/2021 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Account status incorrect
|
|
Web |
|
|
On XX/XX/XXXX, I received a notification of a negative action on my credit report from MRS Associates of NJ. It was from an inaccurate report of a {$280.00} balance from XXXX XXXX It dropped my score by XXXX points, which is ridiculous. I want the item removed from all 3 reporting agencies & my score restored. I canceled my XXXX XXXX subscription & they continued to bill me.
|
| 08/03/2018 |
Yes |
- Debt collection
- Private student loan debt
|
- Attempts to collect debt not owed
- Debt was already discharged in bankruptcy and is no longer owed
|
|
Web |
|
|
This collection Agency Mrs. Association is reporting fraudulent information on my Credit report. They are a third party trying to collect a debt that is not owned to satisfy XXXX XXXX XXXX ( XXXX ). Provide me with a copy of the Promissory Note proving who owns the loans that I Co-signed and/or any documents to support the reason why they are reporting erroneous information.
|
| 03/13/2016 |
Yes |
- Debt collection
- Non-federal student loan
|
- Disclosure verification of debt
- Right to dispute notice not received
|
|
Web |
|
|
I 've requested all billing and payment statements on all student loan accounts from MRS Associates since I have paid from XX/XX/XXXX to XX/XX/XXXX. I 've corrected my address several times but nothing ever changes. There are XXXX accounts that went to collection from XXXX and I have yet to receive any documentation of payments, interest rates and charges, and payments made.
|
| 12/08/2022 |
Yes |
- Debt collection
- Other debt
|
- Written notification about debt
- Didn't receive enough information to verify debt
|
|
Web |
|
|
Only received information of the debt through a third party website known as XXXX XXXX. Never received itemization of debt, mailed letter, or information on right to dispute with a tear away portion at the end of document. Never received any documents or information even though requested.
Need verification of identity. Social security, any signed documents of contract.
|
| 05/18/2015 |
Yes |
- Student loan
- Non-federal student loan
|
- Can't repay my loan
- Can't get flexible payment options
|
|
Web |
|
|
I received my degree from University XXXX XXXX, applied for Federal Loans and worked full time. My wife was a stay at home mom and the University sold me on Private Loans that they said worked like Federal loans to supplement my income. I ended up with over XXXX in Private Loans the school should have never presented and an economy that will never return to pay them off.
|
| 03/11/2023 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
Right to privacy.
15 USC 1681 section 604 A section 2 : it also states a consumer reporting agency can not furnish an account without my written instruction.
15 USC 1666 B : a creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose.
There was no authorization for this comoany tonhave my information.
|
| 07/24/2023 |
Yes |
- Vehicle loan or lease
- Loan
|
- Struggling to pay your loan
- Loan balance remaining after the vehicle is repossessed and sold
|
|
Web |
|
|
XXXX XXXX repossessed the vehicle on XX/XX/XXXX on XXXX XX/XX/XXXX the account was closed, The loan was for XXXX and it was sold for XXXX of the past due in XX/XX/XXXX, The loan was written charged off and it is reported on my credit they never send me a 1099 and sold my account to credit collection asking for the amount XXXX. The name of the collection company MRS
|
| 11/25/2019 |
Yes |
- Debt collection
- I do not know
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
I checked my credit report and saw an erroneous debt with this company. I do not believe I owe this debt so I disputed it and the results were that it was verified as accurate. They are allegedly reporting 100 % accurate data. Since they have verified inaccurate and erroneous information, they have violated my consumer rights under 15 USC 1681 FCRA and 1692 FDCPA.
|
| 05/05/2023 |
Yes |
- Debt collection
- Credit card debt
|
- Attempts to collect debt not owed
- Debt was paid
|
|
Web |
|
|
I called XXXX and XXXX to get a balance letter emailed to me and they said it they could not at the time but yet my balance is at {$0.00}. They stated I have to wait for it. Its been over a week and have not received. I need these off my report. The balance is at XXXX on both accounts. They are not willing. XXXX was for XXXX XXXX XXXX was for XXXX XXXX XXXX acct
|
| 10/05/2019 |
Yes |
- Debt collection
- Other debt
|
- False statements or representation
- Attempted to collect wrong amount
|
|
Web |
Servicemember |
|
I made a settlement agreement with the company and paid the agreed amount. Several weeks after paying final installment i filed a dispute. They are saying that it's accurate. I have a copy of settlement agreement as well as my bank bill pay showing payments and dates. 3 payments to equal {$560.00}.
2 payments at XXXX and 1 at XXXX to reach the settlement amount.
|
| 03/25/2021 |
Yes |
- Debt collection
- I do not know
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
Hello MRS associates collection appeared today on my credit report I called them and explained that I do not owe this debt nor have I ever had any business with spectrum. And to remove such collection from my records immediately.
I'm a new legal resident to the united states and have never heard of either of those names nor have I had any utilities on my name.
|
| 03/03/2020 |
Yes |
- Debt collection
- Other debt
|
- Written notification about debt
- Didn't receive notice of right to dispute
|
|
Web |
|
|
While in the process of closing on my house this company popped up on my credit report regarding an account I closed 5 years ago. This account closed because I no longer worked for the company. I have records showing that the only balance I owe is {$.00}. This company of attempting to collect {$1200.00}. I was never notified of this balance until 5 years later.
|
| 04/25/2019 |
Yes |
- Debt collection
- I do not know
|
- Threatened to contact someone or share information improperly
- Contacted your employer
|
|
Web |
Servicemember |
|
MRS Associates called my workplace regarding a debt. I have no out standing debts! I told them they were mistaken, became verbally abusive and threatened to tell my employer lies.
I looked up the company and they have several complaints, I am attaching a print out from the XXXX XXXX Website They are based in XXXX XXXX New Jersey phone numbers are XXXX and XXXX
|
| 07/11/2021 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
I will NEVER pay it cause its not mines. MRSBPO keeps placing debt back on credit even though I have successfully proved its not mines and removed from bureaus. They keep adding it back without proving I owe it. They need to show proof they can collect in Texas too. They have been violating my FDCPA rights! I was affected by natural disaster COVID 19 too.
|
| 11/13/2018 |
Yes |
- Debt collection
- I do not know
|
- Communication tactics
- Frequent or repeated calls
|
|
Web |
|
|
The most recent call was today at XXXX XXXX They have called me well over 90 times in about 4 months for somebody who doesn't even have this phone number and I've asked them not to call me back and they still do. They will call multiple times a day sometimes and they never leave a message. They are supposedly called M.R.S. associates and are in XXXX XXXX
|
| 12/04/2021 |
Yes |
- Debt collection
- I do not know
|
- Communication tactics
- Frequent or repeated calls
|
|
Web |
|
|
Someone has been repeatedly calling me from MRS BPO, almost every day and several times a day since XX/XX/2021. They never leave a message and have never sent me any correspondence as to who they are and why they are calling me. I do not have any delinquent payments nor is anything negative on my credit report so I'm not sure why they are harassing me.
|
| 12/21/2018 |
Yes |
- Debt collection
- Other debt
|
- Written notification about debt
- Didn't receive notice of right to dispute
|
|
Web |
Servicemember |
|
6 months ago a collection agency named mrs. Bpo reported a XXXX dollar debt to my credit report all 3 bureaus I've never heard of them they never gave me the right to dispute they just put it on my credit. It's not even mine. There's no account number on credit report either. They have no information on the debt at all and are not willing to remove it.
|
| 11/19/2022 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt was result of identity theft
|
|
Web |
|
|
I did not open XXXX XXXX XXXX account, nor authorize my father to also open XXXX XXXX XXXX XXXX ( by using my Social Security Card ) and to a house that he also put under my name without even asking me. Restore my credit score back to the previous score, it was at XXXX, now its at XXXX. Collectors are : MRS BPO - XXXX XXXX XXXX XXXX XXXX, NJ XXXX
|
| 02/21/2022 |
Yes |
- Debt collection
- Other debt
|
- Written notification about debt
- Didn't receive enough information to verify debt
|
|
Web |
|
|
On XXXX XXXX, 2021, I opened an account with XXXX I got a derogatory remark on my XXXX credit repot stating that this account got sent to collections. However, I was never notified about this debt and never received the bill. I would like to address this immediately and either pay off the debt or get this negative remark removed from my report.
|
| 08/14/2021 |
Yes |
- Debt collection
- Credit card debt
|
- Attempts to collect debt not owed
- Debt was already discharged in bankruptcy and is no longer owed
|
|
Web |
|
|
This company reached out to me and I informed them this credit card was apart of my chapter XXXX. The rep I spoke to notes that on the account. They still proceeded to add it as a collections on my credit. This is a violation and the company should be fined. I just received a letter from the company the day after it was added to my credit file.
|
| 07/21/2023 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt was paid
|
|
Web |
|
|
Received a letter from MRS BPO , LLC stating a total amount of {$180.00} is due. The inital bill it stated was {$170.00} and there was a fee of {$4.00}, which brought the final total to {$180.00}. I was informed that this bill was previously paid and the equipment was turned back into the company. I do not believe they are associated with XXXX
|
| 04/20/2021 |
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
|
|
Web |
Servicemember |
|
Mrs Bpo Llc is appearing on my account with an account from XXXX. Please verify this debt, as it has appeared on my credit account 3 different times under different creditors. This account was paid in full to the original credit XXXX due to return equipment in the winter of 2019. This is an attempt by a company without any access to pay them.
|
| 08/29/2022 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Information belongs to someone else
|
|
Web |
|
|
I recently got a credit report and the details below on the report are fraudulent. I have never heard of this company nor lived at this address : 1. collection agency : from MRS BPO , LLC XXXX Original creditor name : XXXX XXXX XXXX XXXX ), date assigned XX/XX/2022, {$710.00} owed, unpaid 2. Past address : XXXX XXXX XXXX XXXX, XXXX, TX XXXX
|
| 08/29/2023 |
Yes |
- Debt collection
- I do not know
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
XXXX in the amount of XXXX the company name is mrs. BPO llc.
I spoke to them trying to get it removed because they had the wrong address and I never dealt with this company at all. I called the original debtor they have no records of me at all. The original debtor is XXXX XXXX Please remove from all credit reporting agencies. Thank you.
|
| 01/05/2023 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt was result of identity theft
|
|
Web |
Older American |
|
I contacted the collection company, MRS BPO, after filing a police report on XX/XX/XXXX. There is an unpaid balance of {$910.00} owed to XXXX XXXX which was turned over to collections in XX/XX/XXXX. The police report case number XXXX was filed with the XXXX XXXX XXXX XXXX ) XXXX. Presumably, the account with XXXX was opened using my SS #.
|
| 03/15/2023 |
Yes |
- Debt collection
- I do not know
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
My credit score dropped because I apparently have an account with them when I dont. I also found out they are located in NJ when I live in MI. I saw this during the winter season of 2022 because thats when my credit score dropped and started receiving messages and its also on my bank account in category that shows me who I owe money to.
|
| 01/03/2024 |
Yes |
- Debt collection
- Telecommunications debt
|
- Written notification about debt
- Didn't receive notice of right to dispute
|
|
Web |
|
|
I do not owe this debt. I was not notified of this debt. The creditor had my address when I moved ( I am 1000 % sure I gave it to them ), yet the debtor quoted my old address when I called. I did not receive anything in the mail, so I had no time to dispute. I saw this on my credit report. I want this deleted from ALL 3 Credit reports.
|
| 08/21/2023 |
Yes |
- Debt collection
- I do not know
|
- Communication tactics
- Frequent or repeated calls
|
|
Web |
Older American |
|
They text me about every week wanting me to contact them about " a matter for XXXX ''. Whatever that is. They always use a different phone number so I can not successfully block their calls. They want me to call but I'm inclined not to do that as it is clearly a scam. I don't owe anyone any money and have a credit rating of XXXX
|
| 04/17/2023 |
Yes |
- Debt collection
- Auto debt
|
- Written notification about debt
- Didn't receive enough information to verify debt
|
|
Web |
|
|
MRS BPO LLC sent communication via mail dated XX/XX/2022. XXXX XXXX has no business with this company nor does the company have authority to any communication. WHO is sharing my private information? I have no interest in conducting any business with MRS BPO LLC, I have no idea who they are. They claim I owe a debt of {$2200.00}.
|
| 12/17/2022 |
Yes |
- Debt collection
- I do not know
|
- Communication tactics
- You told them to stop contacting you, but they keep trying
|
|
Web |
Servicemember |
|
I was contacted by a collection agency called MRS BPO. They have sent me numerous text messages and emails regarding a debt I do not recognize. I sent them a request for debt validation via email, US Mail, and text message and they refuse to validate the debt and have never responded to my requests to provide proof of the debt.
|
| 07/05/2021 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
MRS BPO LLC. Said that I opened an account with XXXX XXXX XXXX on XX/XX/XXXX, of 2021 which is not true. I do have XXXX XXXX XXXX, but I've been with them for 2 years now. These people keep hitting my credit for something I didn't open this year. And calling like crazy saying I owe them {$1400.00} dollars. Please can u help me.
|
| 03/23/2017 |
Yes |
- Debt collection
- Other (i.e. phone, health club, etc.)
|
- Cont'd attempts collect debt not owed
- Debt was paid
|
|
Web |
|
|
I am receiving claims from various debt collection agencies that I owe debts. I have received multiple debt notices from XXXX from different debt collectors. I do not understand why I am receiving repeat notices for debts I do not owe? I closed out my XXXX account years ago due to poor service.
This complaint refers to XXXX.
|
| 09/06/2022 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt was paid
|
|
Web |
|
|
I received a collection notice from a company called MRS Associates on behalf of XXXX XXXX for {$27.00}. I attempted to contact XXXX multiple times. Since my account was closed, their phone system and chat blocked me from speaking with a customer service representative. I do not owe any money to XXXX and have paid all bills.
|
| 01/22/2023 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
I am just received this stating that this is my debt. This is not my debt. I have never in my life had XXXX XXXX XXXX. I have been with XXXX for XXXX years for my phone, cable, and home internet. I have never had or signed up for XXXX. This is a result of identity theft or mistake identity. This debt does not belong to me.
|
| 09/06/2018 |
Yes |
- Debt collection
- Other debt
|
- Communication tactics
- You told them to stop contacting you, but they keep trying
|
|
Web |
|
|
Company repeatedly calls through out the day on a cell phone that is registered in my fathers name. I told them months ago to stop calling and they said that its ablegitimate debt the calls will not stop. To top it all off the lady that called today stated who she was with and what it was about before asking to speak to me.
|
| 07/24/2019 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
There is an inaccurate collection from mrsbpollc, originally XXXX XXXX, for {$710.00} showing up on my XXXX XXXX.
When I pulled my credit file, the debt isnt showing on it, giving me no account number to reference for a dispute with XXXX.
Ive never had an account through XXXX XXXX and it needs to be removed immediately.
|
| 04/27/2019 |
Yes |
- Debt collection
- I do not know
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
On XX/XX/XXXX, ( 2 days after I turned XXXX XXXX XXXX ) I received a demand letter from XXXX stating " resolving a long over due debt is never easy '' demanding that I send XXXX {$100.00} that was allegedly charged off in XX/XX/XXXX ( I was a minor at that time ) I have no idea why I am receiving demand letter from XXXX
|
| 02/20/2019 |
Yes |
- Debt collection
- Other debt
|
- False statements or representation
- Attempted to collect wrong amount
|
|
Web |
|
|
I was wrongfully charged the early termination fee of {$550.00} by XXXX XXXX in XXXX, 2018. I have been trying to resolve the issue and contact its customer service department several times. And a couple of times, they told me to drop the charges but didn't happen as promised. Instead, XXXX sent it to collection agency.
|
| 04/09/2023 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Account status incorrect
|
|
Web |
|
|
this is inaccurate information thats reporting and i want these to be removed im a victim of identity theft and wasnt my consent ive also check the credit reports and the dates are not the same so on the credit bureau by law has to be removed because its proven isnt mines and not my consent and it has different dates
|
| 10/10/2022 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt was paid
|
|
Web |
|
|
Got a text from XXXX XXXX XXXX wanting me to call them or go to their website about a debt with XXXX. My account with XXXX is current. This is a scam and is not the first time they have attempted this. They need to be prosecuted and given jail time so they can not profit from this predatory interstate commerce scam
|
| 01/10/2022 |
Yes |
- Debt collection
- I do not know
|
- Attempts to collect debt not owed
- Debt was result of identity theft
|
|
Web |
Older American |
|
I discovered the identity theft and notified XXXX XXXX XXXX on XXXX XXXX. After several months and contacts, I received a notice from XXXX that it is a fraudulent account and was closed. Today XX/XX/2022, I received a notice from a debt collector MRS BPO LLC that they are trying to collect {$200.00} on the account.
|
| 09/16/2021 |
Yes |
- Debt collection
- Other debt
|
- Took or threatened to take negative or legal action
- Threatened or suggested your credit would be damaged
|
|
Web |
|
|
The credit bureau has my Social Security number wrong so this company has reported this bill with the credit bureau and I do not oh the bill so I disputed it telling them that it does not belong to me and I can prove it with my Social Security number And i lost the dispute And the bill has been put in collections
|
| 05/24/2021 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt was paid
|
|
Web |
Servicemember |
|
MRS Associates put a already paid account from XXXX XXXX XXXX on my credit reports on XX/XX/XXXX. This account was paid in full over a month ago in XXXX directly to XXXX XXXX XXXX so I never owed this debt to them ever. This is illegal and in violation of the FDCPA. This account should be removed not updated.
|
| 04/14/2022 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt was result of identity theft
|
|
Web |
|
|
This charge for the XXXX $ past due as of XX/XX/2020, was REMOVED for fraud, not once but twice and its effecting my credit score. I am exhausted with dealing with this. This needs to be REMOVED completely. I have contacted the company the same 2 times and they charged it off but WHY does it keep coming back!
|
| 09/19/2021 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
this account was closed about 2 years ago returned equipment the person that helped me out said everything was good i asked for a receipt he said i did not need a receipt i will not pay I'm struggling financially i lost my wife to XXXX XXXX i am getting text messages & e-mails from these people i will not pay
|
| 09/29/2016 |
Yes |
- Debt collection
- Other (i.e. phone, health club, etc.)
|
- Cont'd attempts collect debt not owed
- Debt is not mine
|
|
Web |
Servicemember |
|
MRS BPO , L.L.C . contacted me by mail, on XXXX XXXX, 2016, and identified the debt as {$1800.00} owed to XXXX, MRS ACCT # : XXXX ; Current Creditor Account # : XXXX ; Charge off Date : XXXX/XXXX/2016.
I do not have any responsibility for the debt, have never owed XXXX any money, and confirmed this with XXXX
|
| 08/28/2018 |
Yes |
- Debt collection
- Other debt
|
- False statements or representation
- Indicated you were committing crime by not paying debt
|
|
Web |
|
|
MRS BPO of XXXX XXXX XXXX, XXXX XXXX, NJ is telling me I must pay them {$63.00} on behalf of XXXX. I called XXXX and they said I have no balance due with them. This was attempted previously by another fake debt collector, which used a real debt collector 's name, but a different address and phone number.
|
| 01/11/2023 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
XXXX XXXX has sent a collection agency to retrieve XXXX dollars not owed. I stopped doing business with them XXXX of XXXX and switched to XXXX. mystatement via email from XXXX XX/XX/2022 was XXXX yet they claim I owe XXXX dollar all of a sudden. this is hurting my credit score and I don't owe them.
|
| 08/28/2021 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
Servicemember |
|
Mrs. Associates XXXX XXXX XXXX XXXX XXXX, NJ XXXX Amount XXXX.
I have made serval attempts dating back to XXXX of XXXX, making serval disputes against the company. I do not know this company. I have never done business with this company. This company does not have a contract with my signature on it.
|
| 11/20/2021 |
Yes |
- Debt collection
- I do not know
|
- Communication tactics
- Frequent or repeated calls
|
|
Web |
|
|
A company called MRS Associates called me without identifying themselves as a debt collector. I have no idea who they are and what alleged debt they are trying to collect. I don't owe them any alleged debt and their communication tactics are in violation of the Fair Debt Collection Practices Act.
|
| 09/29/2022 |
Yes |
- Debt collection
- I do not know
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
Older American |
|
Letter from MRS BPO LLC claiming owe {$530.00} from an account with XXXX XXXX. Talked to banker at XXXX XXXX in XXXX XXXX, XXXX who looked up alleged account number XXXX and XXXX account number and indicated there never was an account with XXXX XXXX XXXX and that the letter is clearly fraud.
|
| 05/05/2022 |
Yes |
- Debt collection
- Credit card debt
|
- Attempts to collect debt not owed
- Debt was result of identity theft
|
|
Web |
|
|
No information given regarding account. Violates federal 15 USC 1692gf also no medical release given and eligible to collect on debt per Section 1681 ( i ). The bureaus have it reporting different pricing and multiple inaccuracies. I never authorized or given permission for this to be reporting
|
| 04/13/2020 |
Yes |
- Debt collection
- I do not know
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
MRS BPO at XXXX XXXX XXXX, XXXX XXXX, NJ XXXX @ XXXX, has been contacting me daily via texting, phone calls, and the mail. This volatile behavior is extremely harassing and verbally abusive. I do not owe this debt, and want them to cease & desist all communication and harassment immediately!
|
| 11/17/2020 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt was result of identity theft
|
|
Web |
|
|
Someone used my information to open an electric account. It was XXXX XXXX and account was sent to collections on XX/XX/2020 for {$610.00} collection company MRS BPO LLC, XXXX XXXX XXXX, XXXX XXXX, NJ XXXX. I reported identity fraud with the police, XXXX XXXX XXXX 's Office Case # XXXX.
|
| 01/30/2022 |
Yes |
- Debt collection
- Credit card debt
|
- False statements or representation
- Attempted to collect wrong amount
|
|
Web |
|
|
MRS BPO , LLC on XX/XX/2021 mailed me a letter stating that I owed {$460.00} for XXXX Bank. I recall making payments to XXXX Bank and I do not believe that I owe the amount requested. I would like the debt collector to review my account with XXXX Bank to look at all credited payments.
|
| 11/22/2020 |
Yes |
- Debt collection
- Auto debt
|
- False statements or representation
- Attempted to collect wrong amount
|
|
Web |
|
|
XXXX XXXX XX/XX/2017 Act. # XXXX {$6700.00} There is also a collection agency by the name of " MRS BPO LLC '' that is also trying to collect a debit at different amount. There are big discrepancies There is a soft pull on my credit file please delete this account from credit report.
|
| 03/01/2021 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Account status incorrect
|
|
Web |
Servicemember |
|
A previous account was disputed. The debt was not verified. It was deleted from my credit bureau. It was re-inserted on my report, using a different account number to reflect it as a new account. I was not made aware of the reinserted collection by any of the credit report bureaus.
|
| 05/14/2019 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Account status incorrect
|
|
Web |
|
|
i checked my credit today and found MRS associates is still reporting a debt from XXXX that is not owed. I want the trade line deleted immediately. i tried to submit a dispute through XXXX website for this item and several more but the system caused an error when i clicked submit.
|
| 01/06/2024 |
Yes |
- Debt collection
- I do not know
|
- Attempts to collect debt not owed
- Debt was result of identity theft
|
|
Web |
Older American |
|
XXXX AND XXXX AND XXXX WERE REPORTED AS FRAUD AS SOON AS A ACCOUNT HIT MY FILE, MY PERSONAL INFORMATION IS BEING USED FOR RECEIVING THING LIKE CELL PHONES, TV, PERSONAL THINGS AND I HAVE A FRAUD ALERT ON MY FILE BUT CLEARLY IT DOESNT MATTER BECAUSEE THESE COMPANY OVER LOOK IT.
|
| 08/20/2019 |
Yes |
- Debt collection
- I do not know
|
- Attempts to collect debt not owed
- Debt was result of identity theft
|
|
Web |
Servicemember |
|
we have received phone calls and text from a collection agency called MRS. they say we owe XXXX money for equipment and services..we have never had any financial dealings with XXXX. we have never lived in the state of wisconson which is where they say we had sealings with XXXX.
|
| 12/24/2015 |
Yes |
- Debt collection
- I do not know
|
- Cont'd attempts collect debt not owed
- Debt is not mine
|
|
Web |
Older American, Servicemember |
|
mrs associates, ph ( XXXX ) XXXX continues calling my number which is ( XXXX ) XXXX in an attempt to contact a family member. These are unwanted phone calls, and I hang up before the recording can finish. I am on the " do not call list '' and for privacy have an unlisted number.
|
| 06/28/2016 |
Yes |
- Debt collection
- Credit card
|
- Cont'd attempts collect debt not owed
- Debt was paid
|
|
Web |
|
|
I paid this company {$1400.00} on XXXX XXXX, 2013 to settle a collection account with XXXX but XXXX is stating they never received payment for this account. I need a letter stating this account was paid off so that I can forward it to XXXX because it is hurting my credit score.
|
| 11/11/2023 |
Yes |
- Debt collection
- Credit card debt
|
- Attempts to collect debt not owed
- Debt was result of identity theft
|
|
Web |
Servicemember |
|
I am receiving letters and telephone calls of harassment, profane, abusive and vituperative language from MRS BPO , LLC in regards to a debt thats the result of identity theft. MRS BPO , LLC is in violation of the Fair Debt Collection Practices Act ( FDCPA ) under federal law.
|
| 07/09/2019 |
Yes |
- Debt collection
- Other debt
|
- False statements or representation
- Attempted to collect wrong amount
|
|
Web |
Servicemember |
|
This company MRS BPO , LLC claims that I owe them {$640.00}.
I have no knowledge of this company.
XXXX XXXX was paid directly from my XXXX account.
We further disputed the claim from XXXX XXXX.
We switched our phone service to XXXX - and they paid the cancellation bill.
|
| 05/20/2021 |
Yes |
- Debt collection
- Credit card debt
|
- Written notification about debt
- Notification didn't disclose it was an attempt to collect a debt
|
|
Web |
|
|
I XXXX XXXX received a letter from MRS on XX/XX/2020. The letter which will be attached show 2 violations of 15 USC 1692b. ( 5 ) and 15 USC 1692b. ( 2 ) which violated my rights as a consumer with the logo being present and also saying this was a attempt to collect a debt.
|
| 04/30/2023 |
Yes |
- Debt collection
- Other debt
|
- False statements or representation
- Attempted to collect wrong amount
|
|
Web |
|
|
On XXXX XXXX XXXX XXXX XXXX opened a collection account for my phone bill. However the issue I have now is that they just added the same collection onto my account again on XX/XX/2023. Not only is it the wrong amount this time but are they even allowed to do this again???
|
| 08/02/2021 |
Yes |
- Debt collection
- I do not know
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
This company continues to harass me for a debt that i don't owe or no nothing about.they refuse to tell me what the debt that i owe FOR. Mrs acct # XXXX XXXX. Original account # XXXX. Current account # XXXX. Debt amount {$1600.00} charge date XX/XX/2018. Thank u XXXX XXXX
|
| 03/25/2015 |
Yes |
- Debt collection
- Other (i.e. phone, health club, etc.)
|
- Cont'd attempts collect debt not owed
- Debt is not mine
|
|
Web |
|
|
I received a letter XXXX XXXX, 2014 from a collection agency XX/XX/2014 to which I responded with a dispute, I did not hear anything then I received another letter for same collection from a different collection agency XXXX XXXX, 2014 to which I disputed and nothing back-
|
| 09/08/2023 |
Yes |
- Credit reporting or other personal consumer reports
- Credit reporting
|
- Improper use of your report
- Reporting company used your report improperly
|
|
Web |
Servicemember |
|
In accordance to the Fair Credit Reporting Act this creditor has violated my rights under 15 U.S.C. 1681 section 602 states I have the right to privacy 15 U.S.C. 1681 section 604a section 2 also states a consumer can not furnish an account without my written instructions
|
| 06/07/2017 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Account status incorrect
|
|
Web |
|
|
My account with XXXX XXXX was closed after I voluntaried surrendered my vehicle to them. For years it reported as closed & now it 's being reported as open with XXXX of the credit bureaus & I would like the information on my credit report to be reported accurately.
|
| 02/21/2019 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Information belongs to someone else
|
|
Web |
|
|
XXXX XXXX-i have never had it, in 2017 i was and still with XXXX XXXX XXXX. Don t understand how and why I'm being charged for this bill.-my x and his family h as used my ss # in th e pastt, been cleaning up this mess for years.please help m e take it off myh credit. Ty
|
| 06/20/2016 |
Yes |
- Debt collection
- Other (i.e. phone, health club, etc.)
|
- Disclosure verification of debt
- Not given enough info to verify debt
|
|
Web |
|
|
The credit bureau is allowing inaccurate information of this account to be reported. The name of the company is MRS BPO, L.L.C and the creditor is XXXX XXXX they have recently added this account on my report with XXXX with a re aged date of XXXX/XXXX/2016 for {$310.00}.
|
| 11/20/2016 |
Yes |
- Debt collection
- Other (i.e. phone, health club, etc.)
|
- Cont'd attempts collect debt not owed
- Debt is not mine
|
|
Web |
|
|
Letter addressed to " XXXX XXXX '', which is not me, at my address. Another attempt to collect a phony XXXX debt. I will attach their letter. Their web site allows no option but making a payment ; nowhere for an explanation ( in this case, that there is no such debt ).
|
| 10/30/2019 |
Yes |
- Debt collection
- Credit card debt
|
- False statements or representation
- Attempted to collect wrong amount
|
|
Web |
|
|
I received a scam collection notice from MRS BPO, L.L.C. The mailing address is XXXX XXXX XXXX, XXXX XXXX NJ XXXX. The notice claims to be collecting a debt of about {$200.00} on behalf of XXXX XXXX. I have never used any XXXX credit products and do not owe any money.
|
| 11/21/2017 |
Yes |
- Debt collection
- I do not know
|
- Communication tactics
- You told them to stop contacting you, but they keep trying
|
|
Web |
|
|
On XXXX/XXXX/2017 at XXXX I received a phone call ( XXXX ) asking for XXXX XXXX stating to call back ( XXXX ). I called this number and asked the representative on the phone to stop calling as this is the third time they have done so after repeated request to stop
|
| 09/02/2015 |
Yes |
- Debt collection
- Other (i.e. phone, health club, etc.)
|
- Cont'd attempts collect debt not owed
- Debt is not mine
|
|
Web |
|
|
My XXXX XXXX collection is incorrect. The account I opened in 2009 was closed and zeroed out before service was discontinued and a payed in full status was never restored. I submitted bank records to show the ACH payment made before my account was closed in 2009.
|
| 02/28/2020 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
I see an account on my credit report that was sent to collections and I have never had an account with this company and i do not owe this balance. This was done without my consent and I have never given authority to start an account in my name with this company
|
| 04/22/2021 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
Servicemember |
|
MRSBPO is attempting to collect a debt not owed. I have never had an account or entered into any consumer credit transaction with MRSBPO. MRSBPO is in violation of 15 USC 1692 FDCPA ( Fair Debt Collection Practices Act ). Please see attached Avidavit of Truth.
|
| 06/01/2022 |
Yes |
- Debt collection
- I do not know
|
- Communication tactics
- You told them to stop contacting you, but they keep trying
|
|
Web |
|
|
On 6 separate occasions in writing I have asked MRS to stop contacting me and they continue. I wrote to them on XX/XX/2022, XX/XX/2022, XX/XX/2022, XX/XX/2022, XX/XX/2022, XX/XX/2022, and I also called on XX/XX/2022. yet they keep on sending me emails.
|
| 05/20/2016 |
Yes |
|
- Cont'd attempts collect debt not owed
- Debt was paid
|
|
Web |
|
|
After the car was returned to XXXX back in 2012 we received a letter stating that we owned nothing on the account at all. We have no idea why we are receiving collection attempts on a fraudulent amount and we would like for this to stop immediately.
|
| 08/28/2023 |
Yes |
- Debt collection
- Telecommunications debt
|
- Communication tactics
- You told them to stop contacting you, but they keep trying
|
|
Web |
|
|
The cable company claimed I owed {$69.00} on my account which I disagree with. They sent the account to this debt collector who keeps sending emails to my work email address, despite me telling them multiple times to stop sending emails to my work.
|
| 05/16/2019 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Problem with a credit reporting company's investigation into an existing problem
- Was not notified of investigation status or results
|
|
Web |
|
|
They do not have the identity of the original creator. They do not have the license in the state of Florida, and they have not given me my license numbers and registered agent. And we have already send two letters to take away the negative account.
|
| 11/09/2022 |
Yes |
- Debt collection
- Other debt
|
- Communication tactics
- Frequent or repeated calls
|
|
Web |
|
|
I am opting out of previous consents to share or use my personal data. Any further sharing or use of personal data will be in violation of my rights to my privacy. I request that my personal data be removed from the company data base immediately.
|
| 05/01/2021 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
I never had a record with this authority/leaser. I attempted to get in touch with you a few times and request verification of possession however you neglected to send me the important documentation to demonstrate that I actually own this record.
|
| 01/26/2016 |
Yes |
- Debt collection
- Other (i.e. phone, health club, etc.)
|
- Disclosure verification of debt
- Not given enough info to verify debt
|
|
Web |
|
|
Upon receiving the right to dispute, I sent a letter certified mail within the 30 day period asking to verify the debt. I received no communication from the company and the debit was added to my credit rating, thus bringing down my credit score.
|
| 03/20/2023 |
Yes |
- Debt collection
- I do not know
|
- Communication tactics
- Frequent or repeated calls
|
|
Web |
|
|
Constant text messages that tell me to call MRS BPO debt collection. The debt is not described ; I call and no one answers.
They offer an online contact portal, but all it seems to do is try and funnel me into divulging personal information.
|
| 07/16/2020 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit repair services
|
- Confusing or misleading advertising or marketing
|
|
Web |
|
|
On XXXX XXXX I paid the agreed settlement amount to MRS , in which it would be removed from my credit. My credit is not updated and its affecting me and I would like it removed. I tried to apply for a loan and was denied due to this matter.
|
| 10/19/2017 |
Yes |
- Student loan
- Private student loan
|
- Struggling to repay your loan
- Can't get other flexible options for repaying your loan
|
|
Web |
|
|
Hurricane maria passed over puerto rico And i need to get water, food, there 's no energy, economy was affected, etc ...
I call MRS BPO LLC to request moratorium payments but they refuse it I have doubt of the legit of my account with MRS
|
| 04/29/2022 |
Yes |
- Debt collection
- Credit card debt
|
- Communication tactics
- You told them to stop contacting you, but they keep trying
|
|
Web |
Servicemember |
|
I mailed a cease and desist letter to MRS BPO on XX/XX/2022 not to contact electronically or phone to myself, any family members, neighbors or friends. For about two weeks the calls stopped. For the last four days they have called daily.
|
| 10/29/2020 |
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
|
|
Web |
|
|
I was led to believe that by a representative of the collection company that when i paid the collection that it would be removed from my credit report with the three credit bureaus and it hasn't been. Please help me get this resolved.
|
| 04/05/2020 |
Yes |
- Debt collection
- Other debt
|
- False statements or representation
- Attempted to collect wrong amount
|
|
Web |
|
|
XXXX XXXX is trying to collect t a debt that is not kine the dont have no copy of my identification or driver 's license to says that's my debt they are in violation of the fair credit reporting act and the fair debit collections act
|
| 10/10/2022 |
Yes |
- Debt collection
- I do not know
|
- Written notification about debt
- Didn't receive notice of right to dispute
|
|
Web |
|
|
A collection just showed up on my credit, it is not my account. I do not owe this nor is this mine. Please help I got no notification from this company or I would have fought this. It just was reported on my credit file. Please help
|
| 06/10/2015 |
Yes |
- Debt collection
- Other (i.e. phone, health club, etc.)
|
- Disclosure verification of debt
- Right to dispute notice not received
|
|
Web |
|
|
I did n't receive a XXXX Notice which is required by law prior to collection a debt. The debt has been paid in full. It should have never been reported. I take care of my financial matters and would have never ignored a XXXX Notice.
|
| 05/04/2017 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Account status incorrect
|
|
Web |
|
|
New collections on report. The accounts were previously listed as closed and no missed payments. Do n't understand how they now can be listed as a collection. I paid a law office to handle my creditcard and private student loans.
|
| 12/14/2021 |
Yes |
- Debt collection
- Other debt
|
- Written notification about debt
- Didn't receive notice of right to dispute
|
|
Web |
Servicemember |
|
Mrs BPO keeps adding the account to my credit report, however, I have never received notification of the debt or my rights as a consumer in writing. I have disputed with the bureaus and XXXX has removed. XXXX XXXX XXXX have not.
|
| 07/30/2021 |
Yes |
- Debt collection
- Other debt
|
- Took or threatened to take negative or legal action
- Threatened or suggested your credit would be damaged
|
|
Web |
Older American |
|
XXXX XXXX XXXX representing XXXX have filed a collection report on my credit report. My XXXX dropped 22 points! The amount is {$1300.00}. This is absolutely not my account. I have no knowledge of this account or the bogus debt.
|
| 10/16/2021 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
MRS Associates continues to re-insert a spectrum bill of {$310.00} onto my credit report after having been removed multiple times due to no supporting information that I owe this debt. I am not aware of and do not owe this debt
|
| 06/10/2019 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Account information incorrect
|
|
Web |
Servicemember |
|
Paid off a Delinquent Account a few days ago, I have proof of it also. I contacted them on XX/XX/XXXX and talked to someone and they withdrew the amount from my bank account. They have yet to remove it off my credit report.
|
| 03/20/2018 |
Yes |
- Debt collection
- Other debt
|
- Written notification about debt
- Didn't receive notice of right to dispute
|
|
Web |
|
|
Was receiving text messages from them about a cable bill almost daily ... .. Sent a cease and desist letter to them.. The letter received by someone, opened and read, and was sent back to me as if it didn't make it to them.
|
| 10/27/2022 |
Yes |
- Debt collection
- I do not know
|
- Threatened to contact someone or share information improperly
- Talked to a third-party about your debt
|
|
Web |
Servicemember |
|
MRS Associates has contacted my mother instead of me regarding a debt I allegedly owe, which is in complete violation of the FCRA. I do not owe any semblance of debt and have the call log to prove they contacted my mother.
|
| 12/13/2019 |
Yes |
- Debt collection
- Other debt
|
- Communication tactics
- You told them to stop contacting you, but they keep trying
|
|
Web |
|
|
They called my mother after I did not respond to their phone call on XX/XX/2019. I then called back to inform them that they can not do this. They have not called again but they should have not done this in the first place
|
| 11/18/2017 |
Yes |
- Debt collection
- I do not know
|
- False statements or representation
- Impersonated attorney, law enforcement, or government official
|
|
Web |
|
|
I have received two notices from companies claiming to be trying to collect a debt of {$490.00} for a XXXX account. I 've never had a XXXX account. Attached are copies of the documents I received.
Thank you XXXX XXXX
|
| 08/11/2021 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
MRS has contacted me claiming to be a debt collector via text me 8 times and called me 3 times starting XX/XX/XXXX for a debt of {$60.00} on behalf of XXXX XXXX ( who I have not had service with for over 18 months )
|
| 12/07/2023 |
Yes |
- Debt collection
- Telecommunications debt
|
- Took or threatened to take negative or legal action
- Threatened or suggested your credit would be damaged
|
|
Web |
|
|
mrs associates is trying to collect debt from XXXX of Account info {$640.00}. I have been sentenced to XXXX XXXX XXXX XXXX and can not pay. I want to negotiate and pay b before XXXX XXXX XXXX XXXX for {$200.00}.
|
| 07/30/2023 |
Yes |
- Debt collection
- I do not know
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
Older American, Servicemember |
|
Received notice of collection efforts for {$980.00} on XXXX XXXX by MRS BPO.com that I have no knowledge of this debt whatsoever. All my bills are paid and on time.
Called no action often do not answer ( XXXX ).
|
| 02/19/2023 |
Yes |
- Debt collection
- Credit card debt
|
- Attempts to collect debt not owed
- Debt was result of identity theft
|
|
Web |
|
|
Mrsbpo XXXX XXXX XXXX XXXX XXXX nj XXXX is attempting to collect {$630.00} claiming they are a debt collector for a credit card I have never had. They call multiple times and have sent letter asking for payment.
|
| 12/27/2018 |
Yes |
- Debt collection
- Credit card debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
I have previously filed complaints and attempted to resolve this with XXXX XXXX XXXX.
The account has now been sent to a MRS BPO, L.L.C. collection agency for collections.
I am including a letter for review.
|
| 09/06/2022 |
Yes |
- Debt collection
- I do not know
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
Older American |
|
I received a debt collection notice from MRS BPO , LLC XXXX : //mrsbpo.com, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX For XXXX XXXX from XXXX XXXX XXXX , I returned their form starting this is fraudulent.
|
| 05/17/2022 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
XXXX XXXX, branded as XXXX, wrongfully sent the collection of debt, for equipment that was confirmed received by XXXX.
Evidence of XXXX confirming receipt attached.
Debt collection sent to MRS Associates.
|
| 05/10/2021 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
A collections company is trying to collect on a debt that was already removed by XXXX & XXXX. Not sure why this company is reporting on XXXX. I need this to be resolved by removing this off my XXXX report.
|
| 01/20/2024 |
Yes |
- Debt collection
- I do not know
|
- Communication tactics
- You told them to stop contacting you, but they keep trying
|
|
Web |
Older American |
|
I'm getting repeated cell phone calls from MRS BPO , LLC who are a collection agency and refuse to stop harassing me. I owe them nothing and they know this but they continue to harass me with phone calls.
|
| 11/11/2019 |
Yes |
- Debt collection
- Credit card debt
|
- Attempts to collect debt not owed
- Debt was paid
|
|
Web |
|
|
XXXX charged off my debt and MRS BPO LLC took over the account. I contacted MRS BPO LLC. Resolved my debt back in XX/XX/2019. XXXX has not reported to the Credit bureaus that this debt has been resolved.
|
| 03/09/2016 |
Yes |
- Debt collection
- I do not know
|
- Cont'd attempts collect debt not owed
- Debt is not mine
|
|
Web |
|
|
My sister in law used my husband as a " reference '' on a loan. Most likely XXXX. The collection agency had calld us threatening to sue and uses aggressive language if we do n't get her to pay this loan.
|
| 09/06/2022 |
Yes |
- Debt collection
- Other debt
|
- Written notification about debt
- Didn't receive enough information to verify debt
|
|
Web |
|
|
MRS has failed to remove disputed debt, it has been more than 30 days ago without verification of debt or communication from collection agency. XXXX XXXX XXXX another collection agency has removed debt.
|
| 11/17/2018 |
Yes |
- Debt collection
- Auto debt
|
- Took or threatened to take negative or legal action
- Threatened to arrest you or take you to jail if you do not pay
|
|
Web |
Servicemember |
|
This company has been leaving me voicemails treating to sue and have criminal charges brought against me.
They are trying to collect on debt that i received a XXXX from, which is also against the law.
|
| 08/08/2021 |
Yes |
- Debt collection
- I do not know
|
- Took or threatened to take negative or legal action
- Threatened or suggested your credit would be damaged
|
|
Web |
|
|
Mrs associates damaged/threatened my credit score by making false statements/accusations of false debt owed. On more than one occasion. This interfered my ability to obtain a home a car and employment.
|
| 06/05/2021 |
Yes |
- Debt collection
- Other debt
|
- Written notification about debt
- Didn't receive enough information to verify debt
|
|
Web |
|
|
On XX/XX/2021 i requested MRS Associates to validated an alleged debt they claim that I owe. The debt collector unable to validate the alleged debt. The debt collector violated my rights as a consumer.
|
| 11/08/2021 |
Yes |
- Debt collection
- I do not know
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
I received a demand letter from MRS XXXX collection company. The demand letter is for the amount of {$19000.00}. This collection debt is not mine and does not belong to me. I will not pay this debt.
|
| 11/15/2017 |
Yes |
- Debt collection
- I do not know
|
- Communication tactics
- You told them to stop contacting you, but they keep trying
|
|
Web |
|
|
On XX/XX/2017 we received a call from XXXX in reference to XXXX XXXX asking for a call back to XXXX I have asked several times for them to stop calling as we have no person by this name working here
|
| 03/25/2021 |
Yes |
- Debt collection
- I do not know
|
- Communication tactics
- You told them to stop contacting you, but they keep trying
|
|
Web |
|
|
Repeated, unwanted, and unwarranted calls from XXXX which is some sort of debt collection agency. Calls occur even though there is no known collection or judgment against me or anyone at my number.
|
| 05/03/2021 |
Yes |
- Debt collection
- Other debt
|
- False statements or representation
- Impersonated attorney, law enforcement, or government official
|
|
Web |
|
|
I received a text from XXXX MRS Associates.
This was claiming there was a XXXX wireless matter and they want me to call XXXX. Or visit them at https : XXXX.
My wireless carrier is NOT XXXX.
|
| 02/14/2023 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt was result of identity theft
|
|
Web |
|
|
A person open a electric account on the state of Texas, the electric company name is XXXX XXXX the dates where between XXXX and XXXX on 2022 they default XXXX dollars that went into my credit.
|
| 11/12/2020 |
Yes |
- Debt collection
- Credit card debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
This account was opened without my authorization. I don't recognize this account. I called XXXX XXXX and they determined it's not mine. I also requested a signed contract which doesn't exist.
|
| 01/15/2018 |
Yes |
- Debt collection
- I do not know
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
My credit report is saying I have {$410.00} Im collections from a XXXX from XXXX XXXX 2017 I have nothing in my name not I have I opened any accounts in my name in years. This is NOT my debt
|
| 11/11/2016 |
Yes |
- Debt collection
- Other (i.e. phone, health club, etc.)
|
- Cont'd attempts collect debt not owed
- Debt is not mine
|
|
Web |
|
|
XXXX XXXX XXXX is charging {$330.00} and it reflects as derogatory in my credit history in 2014. I did n't ever sign or even negotiate a contact with XXXX. I was studying abroad at the time.
|
| 01/30/2018 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt was paid
|
|
Web |
|
|
Today XX/XX/XXXX I was contacted by MRS about debt I owed XXXX that I never paid. I then contacted XXXX and they say I don’t owe them anything and they never contacted mrs to collect debt.
|
| 09/11/2015 |
Yes |
- Debt collection
- Other (i.e. phone, health club, etc.)
|
- Disclosure verification of debt
- Right to dispute notice not received
|
|
Web |
|
|
a collection appeared on my credit report, this company did not inform me before it was added or inform me of my right to dispute. when i called the company they could not find the account.
|
| 04/04/2019 |
Yes |
- Debt collection
- Private student loan debt
|
- Communication tactics
- You told them to stop contacting you, but they keep trying
|
|
Web |
|
|
Constantly receiving calls from this company despite a formal written notice to cease calls.
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/19 XXXX XXXX XX/XX/19 XXXX XXXX
|
| 01/09/2023 |
Yes |
- Debt collection
- Other debt
|
- Written notification about debt
- Didn't receive notice of right to dispute
|
|
Web |
|
|
The company was sold to another company I believe. It just popped ip on my credit report in 2022 and says that it will continue to report for another XXXX years id so. This is not right.
|
| 03/01/2019 |
Yes |
- Debt collection
- Other debt
|
- False statements or representation
- Attempted to collect wrong amount
|
|
Web |
|
|
I attempted to address an incorrectly reported debt with MRS BPO, L.L.C. but was informed the debt had been transferred again to another company and would need to be resolved with them.
|
| 04/24/2018 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Account status incorrect
|
|
Web |
|
|
A loan account begin in XX/XX/XXXX as {$21000.00} with XXXX XXXX XXXX XX/XX/XXXX - charge off on account XX/XX/XXXX - MRS BPO LLC reports as {$30000.00}.
The account is not accurate.
|
| 10/16/2023 |
Yes |
- Debt collection
- I do not know
|
- Communication tactics
- Frequent or repeated calls
|
|
Web |
|
|
MRS BPO LLC has been calling and texting looking for someone named XXXX. Ive repeatedly asked them to stop calling because they have the wrong number and they continue to call/text.
|
| 01/26/2021 |
Yes |
- Debt collection
- Private student loan debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
MRS Associates - XXXX. Called my wife and said he it was regarding a debt collection. Repetitive calls to my me, my wife, my work regarding a debt owed to my father who passed away.
|
| 08/03/2022 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt was result of identity theft
|
|
Web |
|
|
The company XXXX XXXX has purchased a debt from XXXX under my name and it claims I owe. I have never used any XXXX products nor do I ever will.
They are located in XXXX XXXX, NJ
|
| 10/17/2020 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
MRS Associates is texting me ( pictures of a text message ) about a debt that doesnt exist from XXXX and it is now showing up on my credit report. This is a scam and fraudulent.
|
| 07/29/2021 |
Yes |
- Debt collection
- I do not know
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
The same company keep putting XXXXXXXX XXXX on my account the take it off put it back now they are saying it's accurate. Have live at my address fir 7 years have never had XXXX.
|
| 10/18/2019 |
Yes |
- Debt collection
- Other debt
|
- Took or threatened to take negative or legal action
- Threatened or suggested your credit would be damaged
|
|
Web |
|
|
MRS Associates continues to furnish information unaware items on credit file. Requested validation of contract and signature. Company failed to comply according FCRA Guidelines.
|
| 07/07/2016 |
Yes |
- Debt collection
- Other (i.e. phone, health club, etc.)
|
- Improper contact or sharing of info
- Talked to a third party about my debt
|
|
Web |
Older American, Servicemember |
|
I ended this account XXXX, l made sure account was up to date. Did not want problems getting a new account XXXX. Anyway this is XXXX there is the statute of limitations. 4 years
|
| 10/18/2023 |
Yes |
- Debt collection
- Auto debt
|
- Communication tactics
- Frequent or repeated calls
|
|
Web |
|
|
For the company to do what is Fair and Equitable to me as a consumer to stop harassing me. Especially since I do not know this company and why they are harassing me.
|
| 05/12/2015 |
Yes |
- Debt collection
- Other (i.e. phone, health club, etc.)
|
- Communication tactics
- Frequent or repeated calls
|
|
Web |
|
|
The debt collection agency calls me everyday about XXXX times a day. I would like them to stop and send me written correspondence.
The number to this agency is XXXX
|
| 11/09/2021 |
Yes |
- Debt collection
- I do not know
|
- Communication tactics
- Frequent or repeated calls
|
|
Web |
|
|
Constant phone calls. They are looking for someone I don't know but won't stop calling my number. This is a cell phone and it costs me money for them to harass me.
|
| 02/20/2020 |
Yes |
- Debt collection
- I do not know
|
- Communication tactics
- Frequent or repeated calls
|
|
Web |
|
|
Company with the caller ID XXXX XXXX keeps calling me at all hours of the day and after blocking the number, continues to harass me with different phone numbers.
|
| 05/17/2018 |
Yes |
- Debt collection
- Credit card debt
|
- Communication tactics
- You told them to stop contacting you, but they keep trying
|
|
Web |
|
|
XX/XX/2018 I sent a Cease and desist letter to the company requesting to cease all further communications.
Today I receive a collection notice from the company
|
| 12/09/2023 |
Yes |
- Debt collection
- Telecommunications debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
MRS COLLECTION AGENCY ON BEHALF OF XXXX XXXX XXXX WITH REFERENCE ACCOUNT NUMBER XXXX AMOUNT ON ACCOUNT {$160.00} PLACED ON MY CREDIT REPORT WITHOUT MY CONSENT.
|
| 03/24/2020 |
Yes |
- Debt collection
- I do not know
|
- Communication tactics
- Frequent or repeated calls
|
|
Web |
|
|
get repeated calls from MRS Associates from XXXX and ask to be on the do not call list and they keep calling during bad times with covid-19 and I'm unemployed
|
| 05/22/2017 |
Yes |
- Debt collection
- Other debt
|
- False statements or representation
- Attempted to collect wrong amount
|
|
Web |
|
|
The following agency is not bonded in the state of TX and can not legally collect debt. Please remove from my credit report and confirm that debt is not owed.
|
| 11/17/2021 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Problem with a credit reporting company's investigation into an existing problem
- Investigation took more than 30 days
|
|
Web |
|
|
I have filed a dispute in regards to the incorrect items on my credit report. It has been well over 30 days and I haven't received any investigation results.
|
| 03/13/2021 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Problem with a credit reporting company's investigation into an existing problem
- Investigation took more than 30 days
|
|
Web |
|
|
I have filed a dispute in regards to the incorrect items on my credit report. It has been well over 30 days and I haven't received any investigation results.
|
| 10/26/2023 |
Yes |
- Debt collection
- Other debt
|
- Written notification about debt
- Didn't receive enough information to verify debt
|
|
Web |
|
|
I mailed a letter to the agency asking for agency to validate the debt. It has been over 30 days and the agency has not provided/ mailed any correspondence
|
| 10/02/2022 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt was result of identity theft
|
|
Web |
Servicemember |
|
PLEASE SEE ATTACHED 1 ) FTC FRAUD REPORT 2 ) POLICE REPORT 3 ) ID THEFT LETTER FROM FTC 4 ) COPY OF ID PROVING RESIDENCE IS NOT WHERE BILL IS COMING FROM
|
| 03/02/2016 |
Yes |
- Debt collection
- I do not know
|
- Improper contact or sharing of info
- Talked to a third party about my debt
|
|
Web |
|
|
TALKED, FRAUDULANTLY POSTED TO CREDIT REPORT, WOULD NOT RESPOND, MADE SEVERAL SCARY PHONE CALLS TO ME AND MY DAUGHTER, THREATENED TO PHYSICALLY HARM ME.
|
| 11/06/2017 |
Yes |
- Debt collection
- Other debt
|
- Communication tactics
- Frequent or repeated calls
|
|
Web |
|
|
Have received upwards of XXXX calls within a short span and during work hours. Also have contacted relatives outside my immediate family improperly.
|
| 06/02/2023 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt was result of identity theft
|
|
Web |
|
|
Today this company shows up on my credit without prior notification or any type of way to dispute it. this is illegal and the account is not mines.
|
| 03/25/2021 |
Yes |
- Debt collection
- I do not know
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
This number has been calling me every single day for the past year trying to collect debt from me even though it is my mother 's and not mine.
|
| 04/03/2018 |
Yes |
- Debt collection
- I do not know
|
- Took or threatened to take negative or legal action
- Threatened or suggested your credit would be damaged
|
|
Web |
|
|
Noticed on my consumer profile that this closed account was on my file, i have no clue as to this company and did not authorize this account.
|
| 09/16/2015 |
Yes |
- Debt collection
- Other (i.e. phone, health club, etc.)
|
- Cont'd attempts collect debt not owed
- Debt is not mine
|
|
Web |
Servicemember |
|
I have never had XXXX XXXX XXXX. This was disputed once before and removed from my credit profile nearly a year ago and now it reappears.
|
| 10/25/2019 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
Multiple calls and texts every day to my cell phone stating that I owe debt to a company that I have never had any type of dealings with
|
| 08/16/2019 |
Yes |
- Debt collection
- Credit card debt
|
- Took or threatened to take negative or legal action
- Threatened or suggested your credit would be damaged
|
|
Web |
|
|
Dated XX/XX/19 I've received letter from MRS Associates in reference to an alleged debt owed to XXXX XXXX in the amount of {$4100.00}.
|
| 05/07/2021 |
Yes |
- Debt collection
- Other debt
|
- Communication tactics
- You told them to stop contacting you, but they keep trying
|
|
Web |
|
|
The calls are coming from a company called MRS Associates. I have been telling them to stop calling me, as the amount owed is WRONG
|
| 08/12/2016 |
Yes |
- Debt collection
- I do not know
|
- Cont'd attempts collect debt not owed
- Debt is not mine
|
|
Web |
|
|
I was just hit with a collections of {$160.00} from a " MRS BPO LLC ''. I have no outstanding bills so this is a fraudulent charge.
|
| 07/07/2016 |
Yes |
- Debt collection
- I do not know
|
- Cont'd attempts collect debt not owed
- Debt is not mine
|
|
Web |
|
|
MRS associates keeps calling me multiple times a day I 've told them to stop. they keep calling. Not my Debt, not even my name.
|
| 08/08/2023 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
They are trying to say I owe them money for a service I never used. The address and all my peronal information does not match.
|
| 04/22/2021 |
Yes |
- Debt collection
- Other debt
|
- Written notification about debt
- Didn't receive enough information to verify debt
|
|
Web |
|
|
I havent had services from this company. And I havent received any notices from this company with verification of this debt
|
| 04/24/2023 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
|
- Problem with a purchase shown on your statement
- Credit card company isn't resolving a dispute about a purchase on your statement
|
|
Web |
Servicemember |
|
Rude customer service. When I called to try and resolve problem which I suspected fraudulent, I wasnt even in their system
|
| 02/08/2023 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt was result of identity theft
|
|
Web |
|
|
I dont owe this bill I dont even live in XXXX I live in XXXX XXXX . This is fraud and it needs to be removed immediately
|
| 03/13/2022 |
Yes |
- Debt collection
- Credit card debt
|
- Attempts to collect debt not owed
- Debt was result of identity theft
|
|
Web |
|
|
I received threatening and harassing letters in the mail. This is mail fraud. There was also copyright infringement etc.
|
| 05/16/2020 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt was result of identity theft
|
|
Web |
|
|
I just had a collection account show up last month on my credit report that i believe is part of my identity theft case.
|
| 08/20/2021 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Information belongs to someone else
|
|
Web |
|
|
There is a collections amount of {$420.00} from XXXX that does not belong to me. The account number as shown is XXXX.
|
| 09/17/2019 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
Servicemember |
|
Today I received a letter from MRS BPO , LLC claiming I owed {$370.00} to XXXX XXXX XXXX XXXX. I owe no such debt.
|
| 04/01/2023 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
Servicemember |
|
MRS BPO LLC collection text my number about another clients debt, asked if knew the person for a XXXX XXXX XXXX,
|
| 04/08/2020 |
Yes |
- Debt collection
- Credit card debt
|
- Written notification about debt
- Didn't receive notice of right to dispute
|
|
Web |
|
|
I want to know if this is even legal?! How can they disclose information without knowing its a correct email?!
|
| 03/12/2022 |
Yes |
- Debt collection
- Credit card debt
|
- Attempts to collect debt not owed
- Debt was result of identity theft
|
|
Web |
|
|
I received threatening and harassing letters in the mail. This is mail fraud. There was also XXXX XXXX etc.
|
| 03/09/2016 |
Yes |
- Debt collection
- I do not know
|
- Disclosure verification of debt
- Not given enough info to verify debt
|
|
Web |
|
|
I mailed MRS BPO in XX/XX/XXXX disputing this and demanding legal validation. They have refused to respond.
|
| 01/28/2019 |
Yes |
- Payday loan, title loan, or personal loan
- Personal line of credit
|
- Problem with fraud alerts or security freezes
|
|
Web |
Older American |
|
Collections by MRS acct # XXXX, identity fraud. Other fraudulent names listed on my credit report.
|
| 08/08/2017 |
Yes |
- Debt collection
- Auto debt
|
- Communication tactics
- Frequent or repeated calls
|
|
Web |
|
|
Repeated phones starting XXXX XXXX 2017. Since that day they have called me 43 times.
|
| 01/29/2022 |
Yes |
- Debt collection
- I do not know
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
I tried to have it resolved but I have know idea about this account or know of it.
|
| 06/13/2023 |
Yes |
- Debt collection
- Medical debt
|
- False statements or representation
- Attempted to collect wrong amount
|
|
Web |
Servicemember |
|
They are reporting inaccurate information such as the opening date and balance.
|
| 04/27/2023 |
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
|
|
Web |
Servicemember |
|
According to NY Law, this company is not allowed to come after me or sue me.
|
| 09/17/2022 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
|
- Closing your account
- Can't close your account
|
|
Web |
|
|
The company attempting to collect the debt has no original contract with me.
|
| 08/12/2021 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt was already discharged in bankruptcy and is no longer owed
|
|
Web |
Servicemember |
|
company continues to pursuit a debt that was discharged in bankruptcy court.
|
| 08/09/2022 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt was result of identity theft
|
|
Web |
Servicemember |
|
My identify was used to open a utility account that does not belong to me
|
| 09/08/2016 |
Yes |
- Debt collection
- I do not know
|
- Cont'd attempts collect debt not owed
- Debt is not mine
|
|
Web |
|
|
Calls come in asking if they can speak to a XXXX. There 's no XXXX here.
|
| 01/05/2017 |
Yes |
- Debt collection
- I do not know
|
- Communication tactics
- Frequent or repeated calls
|
|
Web |
|
|
They call me over and over again every single day, several times a day.
|
| 07/31/2023 |
Yes |
- Debt collection
- I do not know
|
- Communication tactics
- Frequent or repeated calls
|
|
Web |
|
|
Keep calling wont say what its about or anything or who debt is from
|
| 02/09/2022 |
Yes |
- Debt collection
- Other debt
|
- Communication tactics
- Frequent or repeated calls
|
|
Web |
|
|
{$1700.00} XX/XX/2021 settled to pay monthly never got sent anything
|
| 08/12/2022 |
Yes |
- Debt collection
- Credit card debt
|
- Written notification about debt
- Didn't receive enough information to verify debt
|
|
Web |
|
|
I NEVER GOT VALIDATION OF THIS NOTHING VIA MAIL OR ELECTRONICALLY
|
| 09/25/2017 |
Yes |
- Debt collection
- I do not know
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
Not my Loan ' and do n't know the person ' they 're asking for
|
| 12/29/2020 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
Servicemember |
|
we do not have an account with XX/XX/XXXX and XX/XX/XXXX
|
| 05/30/2023 |
Yes |
- Debt collection
- I do not know
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
Keep Harassing me about a debt I have no knowledge of
|
| 05/14/2018 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Other personal consumer report
|
- Improper use of your report
- Reporting company used your report improperly
|
|
Web |
|
|
Company requested credit inquiry without my consent.
|
| 08/21/2018 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Information belongs to someone else
|
|
Web |
Servicemember |
|
Mrs bpo llc is reporting info that is frued
|
| 09/23/2015 |
Yes |
- Debt collection
- I do not know
|
- Improper contact or sharing of info
- Talked to a third party about my debt
|
|
Web |
|
|
Calling a household in which I never lived
|
| 06/30/2021 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
I do not have knowledge to this debt.
|
| 02/06/2018 |
Yes |
- Debt collection
- I do not know
|
- Communication tactics
- You told them to stop contacting you, but they keep trying
|
|
Web |
|
|
Not my Loan?
|
| 01/30/2024 |
Yes |
- Debt collection
- Credit card debt
|
- Written notification about debt
- Didn't receive notice of right to dispute
|
|
Web |
|
|
|
| 01/24/2024 |
Yes |
- Debt collection
- I do not know
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
|
| 01/23/2024 |
Yes |
- Credit reporting or other personal consumer reports
- Credit reporting
|
- Improper use of your report
- Report provided to employer without your written authorization
|
|
Web |
|
|
|
| 01/19/2024 |
Yes |
- Credit reporting or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Information belongs to someone else
|
|
Web |
|
|
|
| 01/19/2024 |
Yes |
- Debt collection
- I do not know
|
- Written notification about debt
- Didn't receive notice of right to dispute
|
|
Web |
Servicemember |
|
|
| 01/16/2024 |
Yes |
- Debt collection
- I do not know
|
- Written notification about debt
- Didn't receive enough information to verify debt
|
|
Web |
|
|
|
| 01/15/2024 |
Yes |
- Debt collection
- I do not know
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
|
| 01/13/2024 |
Yes |
- Debt collection
- I do not know
|
- Attempts to collect debt not owed
- Debt was result of identity theft
|
|
Web |
|
|
|
| 01/13/2024 |
Yes |
- Debt collection
- Private student loan debt
|
- Attempts to collect debt not owed
- Debt was already discharged in bankruptcy and is no longer owed
|
|
Web |
|
|
|
| 01/11/2024 |
Yes |
- Credit reporting or other personal consumer reports
- Credit reporting
|
- Problem with a company's investigation into an existing problem
- Was not notified of investigation status or results
|
|
Web |
|
|
|
| 01/09/2024 |
Yes |
- Credit reporting or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Information belongs to someone else
|
|
Web |
|
|
|
| 01/08/2024 |
Yes |
- Debt collection
- I do not know
|
- Communication tactics
- Frequent or repeated calls
|
|
Web |
|
|
|
| 01/07/2024 |
Yes |
- Debt collection
- Telecommunications debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
|
| 01/05/2024 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
|
| 12/29/2023 |
Yes |
- Credit reporting or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Information belongs to someone else
|
|
Web |
|
|
|
| 12/25/2023 |
Yes |
- Debt collection
- Telecommunications debt
|
- Written notification about debt
- Didn't receive notice of right to dispute
|
|
Web |
|
|
|
| 12/18/2023 |
Yes |
- Debt collection
- Telecommunications debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
|
| 12/17/2023 |
Yes |
- Credit reporting or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Information belongs to someone else
|
|
Web |
|
|
|
| 12/16/2023 |
Yes |
- Debt collection
- Credit card debt
|
- False statements or representation
- Attempted to collect wrong amount
|
|
Web |
|
|
|
| 12/14/2023 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
|
| 12/13/2023 |
Yes |
- Debt collection
- I do not know
|
- False statements or representation
- Impersonated attorney, law enforcement, or government official
|
|
Web |
|
|
|
| 12/06/2023 |
Yes |
- Debt collection
- I do not know
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
|
| 12/06/2023 |
Yes |
- Debt collection
- Telecommunications debt
|
- Written notification about debt
- Notification didn't disclose it was an attempt to collect a debt
|
|
Web |
Servicemember |
|
|
| 12/06/2023 |
Yes |
- Credit reporting or other personal consumer reports
- Credit reporting
|
- Improper use of your report
- Reporting company used your report improperly
|
|
Web |
|
|
|
| 12/05/2023 |
Yes |
- Debt collection
- I do not know
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
|
| 11/30/2023 |
Yes |
- Debt collection
- Telecommunications debt
|
- Communication tactics
- Frequent or repeated calls
|
|
Web |
|
|
|
| 11/29/2023 |
Yes |
- Debt collection
- I do not know
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
|
| 11/27/2023 |
Yes |
- Debt collection
- Telecommunications debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
|
| 11/27/2023 |
Yes |
- Debt collection
- Credit card debt
|
- Written notification about debt
- Didn't receive enough information to verify debt
|
|
Web |
Servicemember |
|
|
| 11/27/2023 |
Yes |
- Debt collection
- Telecommunications debt
|
- Took or threatened to take negative or legal action
- Threatened or suggested your credit would be damaged
|
|
Web |
|
|
|
| 11/22/2023 |
Yes |
- Debt collection
- I do not know
|
- Attempts to collect debt not owed
- Debt was paid
|
|
Web |
|
|
|
| 11/18/2023 |
Yes |
- Debt collection
- Credit card debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
|
| 11/17/2023 |
Yes |
- Debt collection
- Telecommunications debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
|
| 11/14/2023 |
Yes |
- Debt collection
- Credit card debt
|
- Electronic communications
- Frequent or repeated messages
|
|
Web |
|
|
|
| 11/13/2023 |
Yes |
- Credit reporting or other personal consumer reports
- Credit reporting
|
- Improper use of your report
- Reporting company used your report improperly
|
|
Web |
|
|
|
| 11/10/2023 |
Yes |
- Credit reporting or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Information belongs to someone else
|
|
Web |
|
|
|
| 11/07/2023 |
Yes |
- Credit reporting or other personal consumer reports
- Credit reporting
|
- Improper use of your report
- Reporting company used your report improperly
|
|
Web |
|
|
|
| 11/07/2023 |
Yes |
- Credit reporting or other personal consumer reports
- Credit reporting
|
- Improper use of your report
- Reporting company used your report improperly
|
|
Web |
|
|
|
| 11/07/2023 |
Yes |
- Credit reporting or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Information belongs to someone else
|
|
Web |
|
|
|
| 10/31/2023 |
Yes |
- Debt collection
- Credit card debt
|
- False statements or representation
- Attempted to collect wrong amount
|
|
Web |
|
|
|
| 10/31/2023 |
Yes |
- Debt collection
- Telecommunications debt
|
- Attempts to collect debt not owed
- Debt was result of identity theft
|
|
Web |
|
|
|
| 10/30/2023 |
Yes |
- Debt collection
- I do not know
|
- Written notification about debt
- Didn't receive enough information to verify debt
|
|
Web |
|
|
|
| 10/28/2023 |
Yes |
- Debt collection
- Other debt
|
- False statements or representation
- Attempted to collect wrong amount
|
|
Web |
Older American, Servicemember |
|
|
| 10/24/2023 |
Yes |
- Debt collection
- Other debt
|
- Written notification about debt
- Didn't receive enough information to verify debt
|
|
Web |
|
|
|
| 10/24/2023 |
Yes |
- Debt collection
- I do not know
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
|
| 10/18/2023 |
Yes |
- Debt collection
- Telecommunications debt
|
- Electronic communications
- You told them to stop contacting you, but they keep trying
|
|
Web |
Servicemember |
|
|
| 10/17/2023 |
Yes |
- Debt collection
- Telecommunications debt
|
- Attempts to collect debt not owed
- Debt was result of identity theft
|
|
Web |
|
|
|
| 10/16/2023 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt was result of identity theft
|
|
Web |
|
|
|
| 10/14/2023 |
Yes |
- Debt collection
- Telecommunications debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
Older American |
|
|
| 10/12/2023 |
Yes |
- Debt collection
- Telecommunications debt
|
- Written notification about debt
- Didn't receive enough information to verify debt
|
|
Web |
|
|
|
| 10/11/2023 |
Yes |
- Credit reporting or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Information belongs to someone else
|
|
Web |
|
|
|
| 10/02/2023 |
Yes |
- Debt collection
- I do not know
|
- Written notification about debt
- Didn't receive notice of right to dispute
|
|
Phone |
|
|
|
| 09/30/2023 |
Yes |
- Debt collection
- Credit card debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
|
| 09/21/2023 |
Yes |
- Debt collection
- I do not know
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
Servicemember |
|
|
| 09/21/2023 |
Yes |
- Debt collection
- Telecommunications debt
|
- Attempts to collect debt not owed
- Debt was paid
|
|
Web |
|
|
|
| 09/21/2023 |
Yes |
- Debt collection
- I do not know
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
|
| 09/20/2023 |
Yes |
- Debt collection
- Credit card debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
|
| 09/15/2023 |
Yes |
- Debt collection
- I do not know
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
|
| 09/15/2023 |
Yes |
- Debt collection
- I do not know
|
- Written notification about debt
- Didn't receive enough information to verify debt
|
|
Web |
|
|
|
| 09/12/2023 |
Yes |
- Credit reporting or other personal consumer reports
- Credit reporting
|
- Improper use of your report
- Reporting company used your report improperly
|
|
Web |
|
|
|
| 09/11/2023 |
Yes |
- Debt collection
- Telecommunications debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
|
| 09/10/2023 |
Yes |
- Debt collection
- Telecommunications debt
|
- Written notification about debt
- Didn't receive enough information to verify debt
|
|
Web |
|
|
|
| 09/05/2023 |
Yes |
- Credit reporting or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Information belongs to someone else
|
|
Web |
|
|
|
| 09/03/2023 |
Yes |
- Debt collection
- Telecommunications debt
|
- Written notification about debt
- Didn't receive enough information to verify debt
|
|
Web |
|
|
|
| 09/01/2023 |
Yes |
- Debt collection
- Telecommunications debt
|
- Attempts to collect debt not owed
- Debt was paid
|
|
Web |
Older American |
|
|
| 09/01/2023 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt was paid
|
|
Web |
|
|
|
| 08/29/2023 |
Yes |
- Credit reporting or other personal consumer reports
- Credit reporting
|
- Improper use of your report
- Report provided to employer without your written authorization
|
|
Web |
|
|
|
| 08/26/2023 |
Yes |
- Credit reporting or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Information belongs to someone else
|
|
Web |
|
|
|
| 08/26/2023 |
Yes |
- Debt collection
- Credit card debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
|
| 08/25/2023 |
Yes |
- Debt collection
- I do not know
|
- Written notification about debt
- Didn't receive enough information to verify debt
|
|
Web |
|
|
|
| 08/25/2023 |
Yes |
- Debt collection
- Other debt
|
- Took or threatened to take negative or legal action
- Sued you in a state where you do not live or did not sign for the debt
|
|
Web |
Servicemember |
|
|
| 08/24/2023 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Phone |
|
|
|
| 08/24/2023 |
Yes |
- Debt collection
- I do not know
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
|
| 08/24/2023 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt was result of identity theft
|
|
Web |
|
|
|
| 08/23/2023 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt was result of identity theft
|
|
Web |
|
|
|
| 08/21/2023 |
Yes |
- Debt collection
- I do not know
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
|
| 08/21/2023 |
Yes |
- Debt collection
- Other debt
|
- Written notification about debt
- Didn't receive notice of right to dispute
|
|
Web |
Servicemember |
|
|
| 08/17/2023 |
Yes |
- Debt collection
- Other debt
|
- Written notification about debt
- Didn't receive notice of right to dispute
|
|
Phone |
|
|
|
| 08/16/2023 |
Yes |
- Debt collection
- I do not know
|
- Communication tactics
- Frequent or repeated calls
|
|
Web |
Servicemember |
|
|
| 08/14/2023 |
Yes |
- Debt collection
- Credit card debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
|
| 08/11/2023 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
|
| 08/10/2023 |
Yes |
- Debt collection
- Credit card debt
|
- Written notification about debt
- Didn't receive enough information to verify debt
|
|
Web |
|
|
|
| 08/06/2023 |
Yes |
- Debt collection
- I do not know
|
- False statements or representation
- Indicated you were committing crime by not paying debt
|
|
Web |
|
|
|
| 08/03/2023 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
|
| 08/02/2023 |
Yes |
- Debt collection
- Credit card debt
|
- Attempts to collect debt not owed
- Debt was result of identity theft
|
|
Web |
|
|
|
| 08/02/2023 |
Yes |
- Debt collection
- Other debt
|
- Written notification about debt
- Didn't receive enough information to verify debt
|
|
Web |
|
|
|
| 08/02/2023 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Information belongs to someone else
|
|
Web Referral |
|
|
|
| 07/27/2023 |
Yes |
- Debt collection
- I do not know
|
- Attempts to collect debt not owed
- Debt was result of identity theft
|
|
Web |
|
|
|
| 07/26/2023 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt was result of identity theft
|
|
Web |
|
|
|
| 07/25/2023 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
|
| 07/24/2023 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Account information incorrect
|
|
Phone |
|
|
|
| 07/19/2023 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Improper use of your report
- Reporting company used your report improperly
|
|
Web |
|
|
|
| 07/18/2023 |
Yes |
- Debt collection
- I do not know
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
|
| 07/05/2023 |
Yes |
- Debt collection
- Credit card debt
|
- Attempts to collect debt not owed
- Debt was paid
|
|
Web |
Servicemember |
|
|
| 06/26/2023 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
|
| 06/26/2023 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt was already discharged in bankruptcy and is no longer owed
|
|
Web |
Servicemember |
|
|
| 06/23/2023 |
Yes |
- Debt collection
- Credit card debt
|
- Written notification about debt
- Didn't receive enough information to verify debt
|
|
Web |
|
|
|
| 06/16/2023 |
Yes |
- Debt collection
- I do not know
|
- Attempts to collect debt not owed
- Debt was result of identity theft
|
|
Web |
|
|
|
| 06/16/2023 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Improper use of your report
- Reporting company used your report improperly
|
|
Web |
|
|
|
| 06/15/2023 |
Yes |
- Debt collection
- Other debt
|
- Communication tactics
- Used obscene, profane, or other abusive language
|
|
Web |
|
|
|
| 06/15/2023 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt was result of identity theft
|
|
Web |
|
|
|
| 06/13/2023 |
Yes |
- Debt collection
- I do not know
|
- Attempts to collect debt not owed
- Debt was result of identity theft
|
|
Web |
|
|
|
| 06/11/2023 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt was result of identity theft
|
|
Web |
|
|
|
| 06/09/2023 |
Yes |
- Debt collection
- Credit card debt
|
- Attempts to collect debt not owed
- Debt was result of identity theft
|
|
Web |
|
|
|
| 06/08/2023 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt was result of identity theft
|
|
Web |
|
|
|
| 06/06/2023 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Improper use of your report
- Reporting company used your report improperly
|
|
Web |
|
|
|
| 06/06/2023 |
Yes |
- Debt collection
- Other debt
|
- Took or threatened to take negative or legal action
- Threatened or suggested your credit would be damaged
|
|
Web |
|
|
|
| 06/04/2023 |
Yes |
- Debt collection
- I do not know
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
|
| 06/01/2023 |
Yes |
- Debt collection
- I do not know
|
- Written notification about debt
- Didn't receive notice of right to dispute
|
|
Web |
|
|
|
| 06/01/2023 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt was result of identity theft
|
|
Web |
|
|
|
| 05/16/2023 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Referral |
|
|
|
| 05/16/2023 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
|
| 05/16/2023 |
Yes |
- Debt collection
- I do not know
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
|
| 05/16/2023 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Information belongs to someone else
|
|
Web |
|
|
|
| 05/14/2023 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
|
| 05/08/2023 |
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
|
|
Web |
|
|
|
| 05/07/2023 |
Yes |
- Debt collection
- Other debt
|
- Written notification about debt
- Didn't receive enough information to verify debt
|
|
Web |
|
|
|
| 05/06/2023 |
Yes |
- Debt collection
- Other debt
|
- Took or threatened to take negative or legal action
- Threatened or suggested your credit would be damaged
|
|
Web |
Servicemember |
|
|
| 05/05/2023 |
Yes |
- Debt collection
- I do not know
|
- Communication tactics
- Frequent or repeated calls
|
|
Web |
|
|
|
| 05/04/2023 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Improper use of your report
- Reporting company used your report improperly
|
|
Web |
|
|
|
| 05/04/2023 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
|
| 05/03/2023 |
Yes |
- Debt collection
- I do not know
|
- Took or threatened to take negative or legal action
- Threatened or suggested your credit would be damaged
|
|
Web |
|
|
|
| 04/28/2023 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt was paid
|
|
Phone |
|
|
|
| 04/23/2023 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
|
| 04/17/2023 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
|
| 04/15/2023 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt was result of identity theft
|
|
Web |
|
|
|
| 04/09/2023 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
|
| 03/27/2023 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt was paid
|
|
Web |
|
|
|
| 03/26/2023 |
Yes |
- Debt collection
- Credit card debt
|
- Written notification about debt
- Didn't receive enough information to verify debt
|
|
Web |
|
|
|
| 03/26/2023 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
|
| 03/25/2023 |
Yes |
- Debt collection
- I do not know
|
- Took or threatened to take negative or legal action
- Threatened or suggested your credit would be damaged
|
|
Web |
|
|
|
| 03/23/2023 |
Yes |
- Debt collection
- I do not know
|
- Written notification about debt
- Didn't receive enough information to verify debt
|
|
Web |
|
|
|
| 03/21/2023 |
Yes |
- Debt collection
- Private student loan debt
|
- Communication tactics
- Frequent or repeated calls
|
|
Web |
|
|
|
| 03/20/2023 |
Yes |
- Debt collection
- Credit card debt
|
- Attempts to collect debt not owed
- Debt was result of identity theft
|
|
Web |
Servicemember |
|
|
| 03/20/2023 |
Yes |
- Debt collection
- Credit card debt
|
- False statements or representation
- Attempted to collect wrong amount
|
|
Web |
|
|
|
| 03/14/2023 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt was already discharged in bankruptcy and is no longer owed
|
|
Web |
|
|
|
| 03/14/2023 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
|
| 03/07/2023 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt was result of identity theft
|
|
Web |
|
|
|
| 03/04/2023 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Information belongs to someone else
|
|
Web |
|
|
|
| 03/03/2023 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Information belongs to someone else
|
|
Web |
|
|
|
| 03/03/2023 |
Yes |
- Debt collection
- Other debt
|
- Took or threatened to take negative or legal action
- Threatened or suggested your credit would be damaged
|
|
Web |
|
|
|
| 02/28/2023 |
Yes |
- Debt collection
- I do not know
|
- Written notification about debt
- Didn't receive enough information to verify debt
|
|
Web |
|
|
|
| 02/26/2023 |
Yes |
- Debt collection
- Auto debt
|
- Took or threatened to take negative or legal action
- Threatened or suggested your credit would be damaged
|
|
Web |
|
|
|
| 02/26/2023 |
Yes |
- Debt collection
- Other debt
|
- Written notification about debt
- Didn't receive notice of right to dispute
|
|
Web |
|
|
|
| 02/25/2023 |
Yes |
- Debt collection
- Other debt
|
- Written notification about debt
- Didn't receive notice of right to dispute
|
|
Web |
|
|
|
| 02/25/2023 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
|
| 02/19/2023 |
Yes |
- Debt collection
- I do not know
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
|
| 02/14/2023 |
Yes |
- Debt collection
- Other debt
|
- Took or threatened to take negative or legal action
- Threatened or suggested your credit would be damaged
|
|
Web |
|
|
|
| 02/09/2023 |
Yes |
- Debt collection
- Other debt
|
- Written notification about debt
- Didn't receive enough information to verify debt
|
|
Web |
|
|
|
| 02/06/2023 |
Yes |
- Debt collection
- I do not know
|
- Communication tactics
- You told them to stop contacting you, but they keep trying
|
|
Web |
|
|
|
| 02/03/2023 |
Yes |
- Debt collection
- I do not know
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
|
| 02/02/2023 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Account status incorrect
|
|
Web |
|
|
|
| 02/02/2023 |
Yes |
- Debt collection
- I do not know
|
- Took or threatened to take negative or legal action
- Threatened or suggested your credit would be damaged
|
|
Web |
|
|
|
| 02/02/2023 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
|
| 01/29/2023 |
Yes |
- Debt collection
- Payday loan debt
|
- Communication tactics
- Used obscene, profane, or other abusive language
|
|
Web |
|
|
|
| 01/27/2023 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Improper use of your report
- Reporting company used your report improperly
|
|
Web |
|
|
|
| 01/27/2023 |
Yes |
- Debt collection
- Credit card debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
|
| 01/26/2023 |
Yes |
- Debt collection
- Credit card debt
|
- Written notification about debt
- Didn't receive enough information to verify debt
|
|
Web |
|
|
|
| 01/24/2023 |
Yes |
- Debt collection
- I do not know
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
|
| 01/24/2023 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt was already discharged in bankruptcy and is no longer owed
|
|
Web |
|
|
|
| 01/22/2023 |
Yes |
- Debt collection
- Credit card debt
|
- False statements or representation
- Attempted to collect wrong amount
|
|
Web |
|
|
|
| 01/18/2023 |
Yes |
- Debt collection
- Other debt
|
- Written notification about debt
- Didn't receive notice of right to dispute
|
|
Web |
|
|
|
| 01/12/2023 |
Yes |
- Debt collection
- Auto debt
|
- Communication tactics
- You told them to stop contacting you, but they keep trying
|
|
Web |
|
|
|
| 01/10/2023 |
Yes |
- Debt collection
- Other debt
|
- False statements or representation
- Attempted to collect wrong amount
|
|
Web |
|
|
|
| 01/08/2023 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
|
| 01/04/2023 |
Yes |
- Debt collection
- I do not know
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
|
| 01/03/2023 |
Yes |
- Debt collection
- I do not know
|
- Written notification about debt
- Didn't receive enough information to verify debt
|
|
Web |
|
|
|
| 12/28/2022 |
Yes |
- Debt collection
- Credit card debt
|
- Written notification about debt
- Didn't receive notice of right to dispute
|
|
Web |
|
|
|
| 12/26/2022 |
Yes |
- Debt collection
- Credit card debt
|
- Attempts to collect debt not owed
- Debt was result of identity theft
|
|
Web |
|
|
|
| 12/24/2022 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
|
| 12/23/2022 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Information belongs to someone else
|
|
Web |
|
|
|
| 12/23/2022 |
Yes |
- Debt collection
- Other debt
|
- False statements or representation
- Attempted to collect wrong amount
|
|
Web |
|
|
|
| 12/13/2022 |
Yes |
- Debt collection
- Other debt
|
- False statements or representation
- Attempted to collect wrong amount
|
|
Web |
|
|
|
| 12/10/2022 |
Yes |
- Debt collection
- Other debt
|
- Communication tactics
- You told them to stop contacting you, but they keep trying
|
|
Web |
|
|
|
| 12/07/2022 |
Yes |
- Debt collection
- I do not know
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
Servicemember |
|
|
| 12/05/2022 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt was result of identity theft
|
|
Web |
|
|
|
| 12/02/2022 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt was paid
|
|
Web |
|
|
|
| 11/30/2022 |
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
- Their investigation did not fix an error on your report
|
|
Web |
|
|
|
| 11/30/2022 |
Yes |
- Debt collection
- Other debt
|
- Threatened to contact someone or share information improperly
- Talked to a third-party about your debt
|
|
Web |
|
|
|
| 11/24/2022 |
Yes |
- Debt collection
- I do not know
|
- Took or threatened to take negative or legal action
- Threatened or suggested your credit would be damaged
|
|
Web |
|
|
|
| 11/22/2022 |
Yes |
- Debt collection
- Other debt
|
- Written notification about debt
- Didn't receive notice of right to dispute
|
|
Web |
Servicemember |
|
|
| 11/18/2022 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Information belongs to someone else
|
|
Web |
Servicemember |
|
|
| 11/16/2022 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt was result of identity theft
|
|
Web |
|
|
|
| 11/14/2022 |
Yes |
- Debt collection
- Credit card debt
|
- False statements or representation
- Attempted to collect wrong amount
|
|
Web |
|
|
|
| 11/10/2022 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt was paid
|
|
Web |
|
|
|
| 11/08/2022 |
Yes |
- Debt collection
- Other debt
|
- Communication tactics
- Frequent or repeated calls
|
|
Web |
|
|
|
| 11/07/2022 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
|
- Problem with a purchase shown on your statement
- Card was charged for something you did not purchase with the card
|
|
Web |
|
|
|
| 11/04/2022 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt was result of identity theft
|
|
Web |
|
|
|
| 11/04/2022 |
Yes |
- Debt collection
- I do not know
|
- Attempts to collect debt not owed
- Debt was result of identity theft
|
|
Web |
|
|
|
| 11/04/2022 |
Yes |
- Debt collection
- Other debt
|
- Took or threatened to take negative or legal action
- Threatened or suggested your credit would be damaged
|
|
Web |
|
|
|
| 11/02/2022 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
|
| 10/27/2022 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt was result of identity theft
|
|
Web |
|
|
|
| 10/25/2022 |
Yes |
- Debt collection
- I do not know
|
- False statements or representation
- Indicated you were committing crime by not paying debt
|
|
Web |
|
|
|
| 10/21/2022 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
|
| 10/20/2022 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt was result of identity theft
|
|
Web |
|
|
|
| 10/17/2022 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt was result of identity theft
|
|
Web |
|
|
|
| 10/14/2022 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
Older American |
|
|
| 10/12/2022 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt was result of identity theft
|
|
Web |
|
|
|
| 10/11/2022 |
Yes |
- Debt collection
- I do not know
|
- Took or threatened to take negative or legal action
- Threatened or suggested your credit would be damaged
|
|
Web |
|
|
|
| 10/10/2022 |
Yes |
- Debt collection
- I do not know
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
|
| 10/03/2022 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Improper use of your report
- Reporting company used your report improperly
|
|
Web |
|
|
|
| 09/30/2022 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt was result of identity theft
|
|
Web |
|
|
|
| 09/29/2022 |
Yes |
- Debt collection
- Other debt
|
- Written notification about debt
- Didn't receive enough information to verify debt
|
|
Web |
|
|
|
| 09/29/2022 |
Yes |
- Debt collection
- I do not know
|
- Communication tactics
- You told them to stop contacting you, but they keep trying
|
|
Phone |
|
|
|
| 09/28/2022 |
Yes |
- Debt collection
- I do not know
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
|
| 09/27/2022 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Phone |
Servicemember |
|
|
| 09/22/2022 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
|
| 09/15/2022 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
|
| 09/13/2022 |
Yes |
- Debt collection
- Other debt
|
- Communication tactics
- Frequent or repeated calls
|
|
Web |
Servicemember |
|
|
| 09/11/2022 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
|
| 09/11/2022 |
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
- Was not notified of investigation status or results
|
|
Web |
|
|
|
| 09/06/2022 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Phone |
Servicemember |
|
|
| 09/04/2022 |
Yes |
- Debt collection
- Auto debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
|
| 09/01/2022 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Information belongs to someone else
|
|
Web |
|
|
|
| 08/30/2022 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
|
| 08/30/2022 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt was paid
|
|
Phone |
Older American |
|
|
| 08/29/2022 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt was paid
|
|
Web |
|
|
|
| 08/23/2022 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt was result of identity theft
|
|
Web |
|
|
|
| 08/22/2022 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
|
| 08/22/2022 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt was result of identity theft
|
|
Web |
|
|
|
| 08/19/2022 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
|
| 08/17/2022 |
Yes |
- Debt collection
- Other debt
|
- Took or threatened to take negative or legal action
- Sued you without properly notifying you of lawsuit
|
|
Web |
|
|
|
| 08/15/2022 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Account information incorrect
|
|
Web |
|
|
|
| 08/13/2022 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Account information incorrect
|
|
Web |
|
|
|
| 08/11/2022 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt was result of identity theft
|
|
Web |
|
|
|
| 08/11/2022 |
Yes |
- Debt collection
- Credit card debt
|
- Attempts to collect debt not owed
- Debt was paid
|
|
Referral |
|
|
|
| 08/07/2022 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
|
| 07/27/2022 |
Yes |
- Debt collection
- Other debt
|
- Written notification about debt
- Didn't receive enough information to verify debt
|
|
Web |
|
|
|
| 07/18/2022 |
Yes |
- Debt collection
- I do not know
|
- Communication tactics
- You told them to stop contacting you, but they keep trying
|
|
Phone |
|
|
|
| 07/07/2022 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Account status incorrect
|
|
Web |
|
|
|
| 07/02/2022 |
Yes |
- Debt collection
- I do not know
|
- False statements or representation
- Attempted to collect wrong amount
|
|
Web |
|
|
|
| 06/27/2022 |
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
- Their investigation did not fix an error on your report
|
|
Web |
Older American |
|
|
| 06/24/2022 |
Yes |
- Debt collection
- I do not know
|
- Attempts to collect debt not owed
- Debt was result of identity theft
|
|
Web |
Servicemember |
|
|
| 06/23/2022 |
Yes |
- Debt collection
- Credit card debt
|
- Written notification about debt
- Didn't receive enough information to verify debt
|
|
Web |
|
|
|
| 06/20/2022 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Improper use of your report
- Reporting company used your report improperly
|
|
Web |
Servicemember |
|
|
| 06/15/2022 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt was result of identity theft
|
|
Web |
|
|
|
| 05/30/2022 |
Yes |
- Debt collection
- Credit card debt
|
- Attempts to collect debt not owed
- Debt was paid
|
|
Web |
|
|
|
| 05/30/2022 |
Yes |
- Debt collection
- Credit card debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
|
| 05/28/2022 |
Yes |
- Debt collection
- Auto debt
|
- Attempts to collect debt not owed
- Debt was paid
|
|
Web |
|
|
|
| 05/26/2022 |
Yes |
- Debt collection
- Other debt
|
- Written notification about debt
- Didn't receive enough information to verify debt
|
|
Web |
|
|
|
| 05/24/2022 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt was result of identity theft
|
|
Web |
|
|
|
| 05/24/2022 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt was paid
|
|
Web |
|
|
|
| 05/14/2022 |
Yes |
- Debt collection
- Medical debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
|
| 05/14/2022 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt was result of identity theft
|
|
Web |
|
|
|
| 05/13/2022 |
Yes |
- Debt collection
- I do not know
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
|
| 04/21/2022 |
Yes |
- Debt collection
- Medical debt
|
- Attempts to collect debt not owed
- Debt was result of identity theft
|
|
Web |
|
|
|
| 04/20/2022 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Information belongs to someone else
|
|
Web |
|
|
|
| 04/18/2022 |
Yes |
- Debt collection
- I do not know
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
|
| 04/15/2022 |
Yes |
- Debt collection
- I do not know
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
Servicemember |
|
|
| 04/11/2022 |
Yes |
- Debt collection
- Other debt
|
- Written notification about debt
- Didn't receive enough information to verify debt
|
|
Referral |
|
|
|
| 04/04/2022 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
|
| 04/01/2022 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Improper use of your report
- Reporting company used your report improperly
|
|
Web |
|
|
|
| 04/01/2022 |
Yes |
- Debt collection
- I do not know
|
- Written notification about debt
- Didn't receive enough information to verify debt
|
|
Referral |
|
|
|
| 03/24/2022 |
Yes |
- Debt collection
- Credit card debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
|
| 03/23/2022 |
Yes |
- Debt collection
- I do not know
|
- Attempts to collect debt not owed
- Debt was result of identity theft
|
|
Web |
|
|
|
| 03/15/2022 |
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
|
|
Web |
|
|
|
| 03/14/2022 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
|
| 03/14/2022 |
Yes |
- Debt collection
- I do not know
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Phone |
|
|
|
| 03/12/2022 |
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
- Their investigation did not fix an error on your report
|
|
Web |
|
|
|
| 03/07/2022 |
Yes |
- Debt collection
- I do not know
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Phone |
|
|
|
| 03/07/2022 |
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
|
|
Web |
|
|
|
| 03/05/2022 |
Yes |
- Debt collection
- I do not know
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
|
| 03/04/2022 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Account information incorrect
|
|
Referral |
|
|
|
| 03/04/2022 |
Yes |
- Debt collection
- I do not know
|
- Written notification about debt
- Notification didn't disclose it was an attempt to collect a debt
|
|
Web |
|
|
|
| 02/21/2022 |
Yes |
- Debt collection
- Other debt
|
- Communication tactics
- Used obscene, profane, or other abusive language
|
|
Web |
|
|
|
| 02/10/2022 |
Yes |
- Debt collection
- I do not know
|
- Communication tactics
- You told them to stop contacting you, but they keep trying
|
|
Web |
|
|
|
| 02/03/2022 |
Yes |
- Debt collection
- I do not know
|
- Took or threatened to take negative or legal action
- Threatened or suggested your credit would be damaged
|
|
Web |
|
|
|
| 02/03/2022 |
Yes |
- Debt collection
- I do not know
|
- Written notification about debt
- Didn't receive enough information to verify debt
|
|
Referral |
|
|
|
| 01/24/2022 |
Yes |
- Debt collection
- I do not know
|
- Written notification about debt
- Didn't receive enough information to verify debt
|
|
Web |
|
|
|
| 01/24/2022 |
Yes |
- Debt collection
- Other debt
|
- Communication tactics
- You told them to stop contacting you, but they keep trying
|
|
Web |
|
|
|
| 01/10/2022 |
Yes |
- Debt collection
- I do not know
|
- Written notification about debt
- Didn't receive enough information to verify debt
|
|
Web |
|
|
|
| 01/03/2022 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
|
| 12/19/2021 |
Yes |
- Debt collection
- Other debt
|
- Took or threatened to take negative or legal action
- Threatened or suggested your credit would be damaged
|
|
Web |
Servicemember |
|
|
| 12/17/2021 |
Yes |
- Debt collection
- Credit card debt
|
- Attempts to collect debt not owed
- Debt was result of identity theft
|
|
Web |
|
|
|
| 12/08/2021 |
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
|
|
Web |
|
|
|
| 12/02/2021 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
|
| 12/02/2021 |
Yes |
- Debt collection
- I do not know
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
|
| 11/27/2021 |
Yes |
- Debt collection
- Other debt
|
- Written notification about debt
- Didn't receive notice of right to dispute
|
|
Web |
|
|
|
| 11/19/2021 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt was paid
|
|
Web |
|
|
|
| 11/18/2021 |
Yes |
- Debt collection
- I do not know
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
|
| 11/15/2021 |
Yes |
- Debt collection
- Credit card debt
|
- Attempts to collect debt not owed
- Debt was result of identity theft
|
|
Phone |
Servicemember |
|
|
| 11/08/2021 |
Yes |
- Debt collection
- Other debt
|
- Written notification about debt
- Didn't receive enough information to verify debt
|
|
Web |
|
|
|
| 11/01/2021 |
Yes |
- Debt collection
- I do not know
|
- Communication tactics
- You told them to stop contacting you, but they keep trying
|
|
Web |
|
|
|
| 10/27/2021 |
Yes |
- Debt collection
- Credit card debt
|
- Attempts to collect debt not owed
- Debt was result of identity theft
|
|
Web |
|
|
|
| 10/23/2021 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Information belongs to someone else
|
|
Web |
|
|
|
| 10/22/2021 |
Yes |
- Debt collection
- I do not know
|
- Communication tactics
- Frequent or repeated calls
|
|
Web |
|
|
|
| 10/14/2021 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt was result of identity theft
|
|
Phone |
|
|
|
| 10/13/2021 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt was result of identity theft
|
|
Web |
Older American |
|
|
| 10/12/2021 |
Yes |
- Debt collection
- I do not know
|
- Took or threatened to take negative or legal action
- Threatened or suggested your credit would be damaged
|
|
Web |
|
|
|
| 10/11/2021 |
Yes |
- Debt collection
- Other debt
|
- Written notification about debt
- Didn't receive enough information to verify debt
|
|
Web |
|
|
|
| 10/11/2021 |
Yes |
- Debt collection
- Other debt
|
- Communication tactics
- Frequent or repeated calls
|
|
Web |
|
|
|
| 10/05/2021 |
Yes |
- Debt collection
- Credit card debt
|
- False statements or representation
- Impersonated attorney, law enforcement, or government official
|
|
Web |
|
|
|
| 09/25/2021 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Information belongs to someone else
|
|
Web |
|
|
|
| 09/24/2021 |
Yes |
- Debt collection
- Other debt
|
- Written notification about debt
- Didn't receive enough information to verify debt
|
|
Web |
|
|
|
| 09/24/2021 |
Yes |
- Debt collection
- I do not know
|
- Attempts to collect debt not owed
- Debt was already discharged in bankruptcy and is no longer owed
|
|
Referral |
|
|
|
| 09/22/2021 |
Yes |
- Debt collection
- Credit card debt
|
- Written notification about debt
- Didn't receive enough information to verify debt
|
|
Web |
|
|
|
| 09/20/2021 |
Yes |
- Debt collection
- I do not know
|
- Took or threatened to take negative or legal action
- Threatened or suggested your credit would be damaged
|
|
Web |
|
|
|
| 09/20/2021 |
Yes |
- Vehicle loan or lease
- Loan
|
- Getting a loan or lease
- Fraudulent loan
|
|
Web |
|
|
|
| 09/20/2021 |
Yes |
- Debt collection
- Credit card debt
|
- Threatened to contact someone or share information improperly
- Contacted you after you asked them to stop
|
|
Web |
|
|
|
| 09/20/2021 |
Yes |
- Debt collection
- I do not know
|
- False statements or representation
- Attempted to collect wrong amount
|
|
Web |
|
|
|
| 09/16/2021 |
Yes |
- Debt collection
- Credit card debt
|
- Written notification about debt
- Didn't receive enough information to verify debt
|
|
Web |
|
|
|
| 09/16/2021 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt was already discharged in bankruptcy and is no longer owed
|
|
Web |
|
|
|
| 09/14/2021 |
Yes |
- Debt collection
- Other debt
|
- Written notification about debt
- Didn't receive enough information to verify debt
|
|
Web |
|
|
|
| 09/09/2021 |
Yes |
- Debt collection
- I do not know
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
|
| 09/03/2021 |
Yes |
- Debt collection
- Credit card debt
|
- Written notification about debt
- Didn't receive notice of right to dispute
|
|
Web |
|
|
|
| 09/02/2021 |
Yes |
- Debt collection
- Credit card debt
|
- Written notification about debt
- Didn't receive notice of right to dispute
|
|
Web |
|
|
|
| 09/01/2021 |
Yes |
- Debt collection
- I do not know
|
- Written notification about debt
- Didn't receive notice of right to dispute
|
|
Web |
|
|
|
| 08/31/2021 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt was result of identity theft
|
|
Web |
|
|
|
| 08/29/2021 |
Yes |
- Debt collection
- Other debt
|
- False statements or representation
- Attempted to collect wrong amount
|
|
Web |
Older American |
|
|
| 08/27/2021 |
Yes |
- Debt collection
- I do not know
|
- Written notification about debt
- Didn't receive enough information to verify debt
|
|
Referral |
|
|
|
| 08/25/2021 |
Yes |
- Debt collection
- I do not know
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
Older American |
|
|
| 08/23/2021 |
Yes |
- Debt collection
- I do not know
|
- Attempts to collect debt not owed
- Debt was result of identity theft
|
|
Web |
Older American |
|
|
| 08/20/2021 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Phone |
|
|
|
| 08/18/2021 |
Yes |
- Debt collection
- Credit card debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
|
| 08/13/2021 |
Yes |
- Debt collection
- Other debt
|
- Written notification about debt
- Didn't receive enough information to verify debt
|
|
Postal mail |
|
|
|
| 08/09/2021 |
Yes |
- Debt collection
- Credit card debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
|
| 08/07/2021 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Problem with a credit reporting company's investigation into an existing problem
- Investigation took more than 30 days
|
|
Web |
|
|
|
| 08/03/2021 |
Yes |
- Debt collection
- Credit card debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
|
| 07/29/2021 |
Yes |
- Debt collection
- Credit card debt
|
- Attempts to collect debt not owed
- Debt was result of identity theft
|
|
Web |
|
|
|
| 07/26/2021 |
Yes |
- Debt collection
- I do not know
|
- Written notification about debt
- Didn't receive enough information to verify debt
|
|
Web |
|
|
|
| 07/22/2021 |
Yes |
- Debt collection
- I do not know
|
- Attempts to collect debt not owed
- Debt was result of identity theft
|
|
Web |
|
|
|
| 07/21/2021 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt was result of identity theft
|
|
Web |
|
|
|
| 07/20/2021 |
Yes |
- Debt collection
- Other debt
|
- False statements or representation
- Attempted to collect wrong amount
|
|
Web |
|
|
|
| 07/19/2021 |
Yes |
- Debt collection
- Credit card debt
|
- Attempts to collect debt not owed
- Debt was result of identity theft
|
|
Web |
|
|
|
| 07/18/2021 |
Yes |
- Debt collection
- I do not know
|
- Took or threatened to take negative or legal action
- Threatened to arrest you or take you to jail if you do not pay
|
|
Web |
|
|
|
| 07/17/2021 |
Yes |
- Debt collection
- Other debt
|
- Written notification about debt
- Didn't receive notice of right to dispute
|
|
Web |
Servicemember |
|
|
| 07/05/2021 |
Yes |
- Debt collection
- Other debt
|
- Written notification about debt
- Didn't receive enough information to verify debt
|
|
Web |
|
|
|
| 07/04/2021 |
Yes |
- Debt collection
- Auto debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
|
| 07/03/2021 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
|
| 07/01/2021 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
|
| 06/26/2021 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
|
| 06/25/2021 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt was paid
|
|
Web |
|
|
|
| 06/22/2021 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt was paid
|
|
Referral |
|
|
|
| 06/14/2021 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
|
| 06/08/2021 |
Yes |
- Debt collection
- Credit card debt
|
- Written notification about debt
- Didn't receive enough information to verify debt
|
|
Web |
|
|
|
| 06/07/2021 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt was paid
|
|
Phone |
Older American |
|
|
| 06/05/2021 |
Yes |
- Debt collection
- Auto debt
|
- Written notification about debt
- Didn't receive notice of right to dispute
|
|
Web |
|
|
|
| 06/03/2021 |
Yes |
- Debt collection
- Credit card debt
|
- Attempts to collect debt not owed
- Debt was result of identity theft
|
|
Web |
|
|
|
| 06/03/2021 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Information belongs to someone else
|
|
Web |
|
|
|
| 06/01/2021 |
Yes |
- Debt collection
- I do not know
|
- Attempts to collect debt not owed
- Debt was result of identity theft
|
|
Web |
|
|
|
| 05/25/2021 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt was result of identity theft
|
|
Web |
|
|
|
| 05/24/2021 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Personal information incorrect
|
|
Web |
|
|
|
| 05/22/2021 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
|
| 05/21/2021 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Information belongs to someone else
|
|
Web |
|
|
|
| 05/21/2021 |
Yes |
- Debt collection
- Credit card debt
|
- Written notification about debt
- Didn't receive enough information to verify debt
|
|
Web |
|
|
|
| 05/21/2021 |
Yes |
- Debt collection
- Other debt
|
- Communication tactics
- Called before 8am or after 9pm
|
|
Web |
|
|
|
| 05/20/2021 |
Yes |
- Debt collection
- Credit card debt
|
- Written notification about debt
- Didn't receive enough information to verify debt
|
|
Web |
|
|
|
| 05/19/2021 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt was result of identity theft
|
|
Web |
|
|
|
| 05/18/2021 |
Yes |
- Debt collection
- I do not know
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
|
| 05/16/2021 |
Yes |
- Debt collection
- Medical debt
|
- Communication tactics
- Frequent or repeated calls
|
|
Web |
|
|
|
| 05/14/2021 |
Yes |
- Checking or savings account
- Checking account
|
- Closing an account
- Fees charged for closing account
|
|
Phone |
|
|
|
| 05/14/2021 |
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
- Investigation took more than 30 days
|
|
Web |
|
|
|
| 05/14/2021 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Information belongs to someone else
|
|
Web |
|
|
|
| 05/10/2021 |
Yes |
- Debt collection
- I do not know
|
- Written notification about debt
- Didn't receive enough information to verify debt
|
|
Web |
|
|
|
| 05/08/2021 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Account status incorrect
|
|
Web |
Servicemember |
|
|
| 05/07/2021 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt was paid
|
|
Web |
|
|
|
| 05/06/2021 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Information belongs to someone else
|
|
Web |
|
|
|
| 04/30/2021 |
Yes |
- Debt collection
- I do not know
|
- Communication tactics
- You told them to stop contacting you, but they keep trying
|
|
Phone |
|
|
|
| 04/26/2021 |
Yes |
- Debt collection
- Credit card debt
|
- Written notification about debt
- Didn't receive enough information to verify debt
|
|
Web |
|
|
|
| 04/23/2021 |
Yes |
- Debt collection
- I do not know
|
- Written notification about debt
- Didn't receive enough information to verify debt
|
|
Referral |
|
|
|
| 04/22/2021 |
Yes |
- Debt collection
- Private student loan debt
|
- Took or threatened to take negative or legal action
- Threatened to sue you for very old debt
|
|
Web |
|
|
|
| 04/19/2021 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt was paid
|
|
Web |
|
|
|
| 04/16/2021 |
Yes |
- Debt collection
- Other debt
|
- Communication tactics
- Frequent or repeated calls
|
|
Web |
|
|
|
| 04/14/2021 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Information belongs to someone else
|
|
Web |
|
|
|
| 04/14/2021 |
Yes |
- Debt collection
- Other debt
|
- Written notification about debt
- Didn't receive enough information to verify debt
|
|
Web |
|
|
|
| 04/14/2021 |
Yes |
- Debt collection
- Credit card debt
|
- Attempts to collect debt not owed
- Debt was result of identity theft
|
|
Web |
|
|
|
| 04/13/2021 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Account information incorrect
|
|
Web |
|
|
|
| 04/07/2021 |
Yes |
- Debt collection
- Credit card debt
|
- Attempts to collect debt not owed
- Debt was result of identity theft
|
|
Web |
|
|
|
| 04/03/2021 |
Yes |
- Debt collection
- Other debt
|
- Written notification about debt
- Didn't receive notice of right to dispute
|
|
Web |
|
|
|
| 04/02/2021 |
Yes |
- Debt collection
- I do not know
|
- Written notification about debt
- Didn't receive enough information to verify debt
|
|
Web |
|
|
|
| 03/29/2021 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Information belongs to someone else
|
|
Web |
|
|
|
| 03/27/2021 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt was paid
|
|
Web |
|
|
|
| 03/26/2021 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt was paid
|
|
Web |
|
|
|
| 03/25/2021 |
Yes |
- Debt collection
- Credit card debt
|
- Attempts to collect debt not owed
- Debt was result of identity theft
|
|
Web |
|
|
|
| 03/23/2021 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
|
| 03/17/2021 |
Yes |
- Debt collection
- Other debt
|
- Written notification about debt
- Didn't receive notice of right to dispute
|
|
Web |
|
|
|
| 03/16/2021 |
Yes |
- Debt collection
- I do not know
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
|
| 03/04/2021 |
Yes |
- Debt collection
- Other debt
|
- Written notification about debt
- Didn't receive notice of right to dispute
|
|
Web |
|
|
|
| 03/03/2021 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Phone |
|
|
|
| 03/02/2021 |
Yes |
- Debt collection
- Credit card debt
|
- Attempts to collect debt not owed
- Debt was result of identity theft
|
|
Web |
|
|
|
| 03/02/2021 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Phone |
Older American |
|
|
| 02/18/2021 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
Older American, Servicemember |
|
|
| 02/17/2021 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt was paid
|
|
Web |
|
|
|
| 02/13/2021 |
Yes |
- Debt collection
- Other debt
|
- Written notification about debt
- Didn't receive notice of right to dispute
|
|
Web |
|
|
|
| 02/10/2021 |
Yes |
- Debt collection
- I do not know
|
- Communication tactics
- Called before 8am or after 9pm
|
|
Web |
|
|
|
| 02/04/2021 |
Yes |
- Debt collection
- I do not know
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
|
| 02/01/2021 |
Yes |
- Debt collection
- Auto debt
|
- Written notification about debt
- Didn't receive enough information to verify debt
|
|
Web |
|
|
|
| 01/28/2021 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt was paid
|
|
Phone |
Older American |
|
|
| 01/27/2021 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt was paid
|
|
Web |
|
|
|
| 01/27/2021 |
Yes |
- Student loan
- Private student loan
|
- Dealing with your lender or servicer
- Trouble with how payments are being handled
|
|
Phone |
Servicemember |
|
|
| 01/26/2021 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt was result of identity theft
|
|
Web |
|
|
|
| 01/15/2021 |
Yes |
- Debt collection
- I do not know
|
- Written notification about debt
- Didn't receive enough information to verify debt
|
|
Fax |
|
|
|
| 01/13/2021 |
Yes |
- Debt collection
- I do not know
|
- False statements or representation
- Indicated you were committing crime by not paying debt
|
|
Web |
|
|
|
| 01/11/2021 |
Yes |
- Debt collection
- Other debt
|
- Written notification about debt
- Didn't receive enough information to verify debt
|
|
Phone |
|
|
|
| 01/04/2021 |
Yes |
- Debt collection
- I do not know
|
- False statements or representation
- Attempted to collect wrong amount
|
|
Web |
|
|
|
| 12/29/2020 |
Yes |
- Debt collection
- I do not know
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
|
| 12/28/2020 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
Older American |
|
|
| 12/18/2020 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt was result of identity theft
|
|
Web |
|
|
|
| 12/18/2020 |
Yes |
- Debt collection
- I do not know
|
- Written notification about debt
- Didn't receive enough information to verify debt
|
|
Web |
|
|
|
| 12/17/2020 |
Yes |
- Debt collection
- I do not know
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
|
| 12/17/2020 |
Yes |
- Debt collection
- I do not know
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
|
| 12/15/2020 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt was result of identity theft
|
|
Web |
|
|
|
| 12/09/2020 |
Yes |
- Debt collection
- Credit card debt
|
- Written notification about debt
- Didn't receive enough information to verify debt
|
|
Referral |
|
|
|
| 12/02/2020 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt was result of identity theft
|
|
Phone |
|
|
|
| 12/01/2020 |
Yes |
- Debt collection
- I do not know
|
- Attempts to collect debt not owed
- Debt was result of identity theft
|
|
Web |
|
|
|
| 12/01/2020 |
Yes |
- Debt collection
- Credit card debt
|
- Attempts to collect debt not owed
- Debt was paid
|
|
Web |
|
|
|
| 11/24/2020 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
|
| 11/23/2020 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
Older American |
|
|
| 11/20/2020 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Account status incorrect
|
|
Web |
|
|
|
| 11/20/2020 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
Servicemember |
|
|
| 11/15/2020 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt was result of identity theft
|
|
Web |
|
|
|
| 10/17/2020 |
Yes |
- Debt collection
- I do not know
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
|
| 10/13/2020 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt was paid
|
|
Web |
|
|
|
| 10/12/2020 |
Yes |
- Debt collection
- Other debt
|
- Took or threatened to take negative or legal action
- Threatened or suggested your credit would be damaged
|
|
Web |
|
|
|
| 10/09/2020 |
Yes |
- Debt collection
- Other debt
|
- Took or threatened to take negative or legal action
- Threatened or suggested your credit would be damaged
|
|
Web |
|
|
|
| 10/06/2020 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt was paid
|
|
Web |
|
|
|
| 10/04/2020 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt was paid
|
|
Web |
|
|
|
| 09/30/2020 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Information belongs to someone else
|
|
Web |
|
|
|
| 09/30/2020 |
Yes |
- Debt collection
- Other debt
|
- Written notification about debt
- Didn't receive enough information to verify debt
|
|
Web |
|
|
|
| 09/25/2020 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt was already discharged in bankruptcy and is no longer owed
|
|
Web |
|
|
|
| 09/21/2020 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt was paid
|
|
Web |
|
|
|
| 09/21/2020 |
Yes |
- Debt collection
- I do not know
|
- Written notification about debt
- Didn't receive notice of right to dispute
|
|
Web |
|
|
|
| 09/15/2020 |
Yes |
- Debt collection
- Credit card debt
|
- Attempts to collect debt not owed
- Debt was result of identity theft
|
|
Web |
|
|
|
| 09/04/2020 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Account status incorrect
|
|
Phone |
|
|
|
| 09/03/2020 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Information belongs to someone else
|
|
Web |
|
|
|
| 09/03/2020 |
Yes |
- Debt collection
- Other debt
|
- Written notification about debt
- Didn't receive enough information to verify debt
|
|
Web |
|
|
|
| 09/03/2020 |
Yes |
- Debt collection
- Other debt
|
- Written notification about debt
- Didn't receive enough information to verify debt
|
|
Web |
|
|
|
| 08/28/2020 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt was paid
|
|
Web |
|
|
|
| 08/25/2020 |
Yes |
- Debt collection
- Other debt
|
- Written notification about debt
- Didn't receive notice of right to dispute
|
|
Web |
|
|
|
| 08/14/2020 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
Servicemember |
|
|
| 08/14/2020 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
Servicemember |
|
|
| 08/10/2020 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Information belongs to someone else
|
|
Web |
|
|
|
| 08/07/2020 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
|
| 08/07/2020 |
Yes |
- Debt collection
- Auto debt
|
- Threatened to contact someone or share information improperly
- Contacted your employer
|
|
Web |
|
|
|
| 08/05/2020 |
Yes |
- Debt collection
- Other debt
|
- Written notification about debt
- Didn't receive enough information to verify debt
|
|
Fax |
|
|
|
| 07/31/2020 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
|
| 07/27/2020 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
Older American |
|
|
| 07/14/2020 |
Yes |
- Debt collection
- Other debt
|
- Written notification about debt
- Didn't receive enough information to verify debt
|
|
Phone |
Older American |
|
|
| 07/13/2020 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt was result of identity theft
|
|
Web |
|
|
|
| 07/09/2020 |
Yes |
- Debt collection
- Other debt
|
- False statements or representation
- Attempted to collect wrong amount
|
|
Web |
|
|
|
| 06/24/2020 |
Yes |
- Debt collection
- Other debt
|
- Took or threatened to take negative or legal action
- Threatened or suggested your credit would be damaged
|
|
Web |
|
|
|
| 06/22/2020 |
Yes |
- Debt collection
- Private student loan debt
|
- Written notification about debt
- Didn't receive enough information to verify debt
|
|
Postal mail |
Older American |
|
|
| 06/15/2020 |
Yes |
- Debt collection
- Other debt
|
- Communication tactics
- Frequent or repeated calls
|
|
Phone |
|
|
|
| 06/13/2020 |
Yes |
- Debt collection
- Other debt
|
- Written notification about debt
- Notification didn't disclose it was an attempt to collect a debt
|
|
Web |
|
|
|
| 06/10/2020 |
Yes |
- Debt collection
- Other debt
|
- Communication tactics
- Frequent or repeated calls
|
|
Web |
|
|
|
| 06/05/2020 |
Yes |
- Debt collection
- I do not know
|
- Attempts to collect debt not owed
- Debt was result of identity theft
|
|
Web |
Servicemember |
|
|
| 05/31/2020 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt was already discharged in bankruptcy and is no longer owed
|
|
Web |
|
|
|
| 05/29/2020 |
Yes |
- Debt collection
- I do not know
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
|
| 05/19/2020 |
Yes |
- Debt collection
- Other debt
|
- Written notification about debt
- Didn't receive notice of right to dispute
|
|
Web |
Servicemember |
|
|
| 05/18/2020 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt was result of identity theft
|
|
Phone |
|
|
|
| 05/09/2020 |
Yes |
- Debt collection
- Other debt
|
- Communication tactics
- Frequent or repeated calls
|
|
Web |
|
|
|
| 04/24/2020 |
Yes |
- Debt collection
- I do not know
|
- Written notification about debt
- Didn't receive enough information to verify debt
|
|
Fax |
|
|
|
| 04/16/2020 |
Yes |
- Debt collection
- Other debt
|
- Written notification about debt
- Didn't receive enough information to verify debt
|
|
Referral |
|
|
|
| 04/05/2020 |
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
|
|
Web |
|
|
|
| 04/04/2020 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
|
| 04/02/2020 |
Yes |
- Debt collection
- Other debt
|
- Written notification about debt
- Didn't receive enough information to verify debt
|
|
Fax |
|
|
|
| 03/23/2020 |
Yes |
- Debt collection
- I do not know
|
- Written notification about debt
- Didn't receive enough information to verify debt
|
|
Web |
|
|
|
| 03/22/2020 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt was already discharged in bankruptcy and is no longer owed
|
|
Web |
Servicemember |
|
|
| 03/17/2020 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
|
| 03/16/2020 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Phone |
|
|
|
| 03/01/2020 |
Yes |
- Debt collection
- Other debt
|
- Written notification about debt
- Didn't receive notice of right to dispute
|
|
Web |
|
|
|
| 02/21/2020 |
Yes |
- Student loan
- Private student loan
|
- Dealing with your lender or servicer
- Keep getting calls about your loan
|
|
Web |
|
|
|
| 02/21/2020 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
|
| 02/19/2020 |
Yes |
- Debt collection
- Other debt
|
- Took or threatened to take negative or legal action
- Threatened or suggested your credit would be damaged
|
|
Web |
Older American |
|
|
| 02/17/2020 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt was result of identity theft
|
|
Web |
|
|
|
| 02/15/2020 |
Yes |
- Debt collection
- I do not know
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
|
| 02/14/2020 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt was paid
|
|
Phone |
|
|
|
| 02/12/2020 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt was paid
|
|
Phone |
Older American |
|
|
| 02/11/2020 |
Yes |
- Debt collection
- Credit card debt
|
- Communication tactics
- Used obscene, profane, or other abusive language
|
|
Phone |
|
|
|
| 02/10/2020 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Phone |
Older American |
|
|
| 02/03/2020 |
Yes |
- Student loan
- Private student loan
|
- Dealing with your lender or servicer
- Need information about your loan balance or loan terms
|
|
Phone |
|
|
|
| 02/01/2020 |
Yes |
- Debt collection
- I do not know
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
|
| 01/27/2020 |
Yes |
- Student loan
- Private student loan
|
- Dealing with your lender or servicer
- Received bad information about your loan
|
|
Phone |
|
|
|
| 01/24/2020 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Information belongs to someone else
|
|
Web |
|
|
|
| 01/10/2020 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Information belongs to someone else
|
|
Web |
|
|
|
| 12/31/2019 |
Yes |
- Debt collection
- Other debt
|
- Written notification about debt
- Didn't receive enough information to verify debt
|
|
Fax |
|
|
|
| 12/12/2019 |
Yes |
- Debt collection
- Private student loan debt
|
- Written notification about debt
- Didn't receive enough information to verify debt
|
|
Postal mail |
|
|
|
| 12/06/2019 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt was paid
|
|
Referral |
|
|
|
| 11/30/2019 |
Yes |
- Debt collection
- Credit card debt
|
- Communication tactics
- Frequent or repeated calls
|
|
Web |
|
|
|
| 11/28/2019 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt was result of identity theft
|
|
Web |
|
|
|
| 11/21/2019 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
Older American |
|
|
| 11/16/2019 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
|
| 11/14/2019 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt was result of identity theft
|
|
Web |
|
|
|
| 10/31/2019 |
Yes |
- Debt collection
- I do not know
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
|
| 10/31/2019 |
Yes |
- Student loan
- Private student loan
|
- Dealing with your lender or servicer
- Trouble with how payments are being handled
|
|
Phone |
|
|
|
| 10/24/2019 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Account information incorrect
|
|
Phone |
Older American |
|
|
| 10/21/2019 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt was result of identity theft
|
|
Web |
|
|
|
| 10/17/2019 |
Yes |
- Debt collection
- Other debt
|
- Written notification about debt
- Didn't receive enough information to verify debt
|
|
Web |
|
|
|
| 10/04/2019 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt was paid
|
|
Web |
|
|
|
| 10/02/2019 |
Yes |
- Debt collection
- I do not know
|
- Written notification about debt
- Didn't receive enough information to verify debt
|
|
Referral |
|
|
|
| 09/28/2019 |
Yes |
- Debt collection
- Credit card debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
|
| 09/25/2019 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Phone |
Servicemember |
|
|
| 09/23/2019 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Phone |
|
|
|
| 09/16/2019 |
Yes |
- Debt collection
- I do not know
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Phone |
|
|
|
| 09/16/2019 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt was result of identity theft
|
|
Phone |
Older American |
|
|
| 09/09/2019 |
Yes |
- Debt collection
- I do not know
|
- Written notification about debt
- Didn't receive enough information to verify debt
|
|
Referral |
|
|
|
| 09/06/2019 |
Yes |
- Debt collection
- Credit card debt
|
- Communication tactics
- You told them to stop contacting you, but they keep trying
|
|
Web |
|
|
|
| 09/05/2019 |
Yes |
- Debt collection
- Other debt
|
- Written notification about debt
- Didn't receive enough information to verify debt
|
|
Postal mail |
|
|
|
| 09/04/2019 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Information belongs to someone else
|
|
Web |
|
|
|
| 08/22/2019 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Account status incorrect
|
|
Web |
|
|
|
| 08/19/2019 |
Yes |
- Debt collection
- Other debt
|
- False statements or representation
- Attempted to collect wrong amount
|
|
Web |
|
|
|
| 08/19/2019 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Phone |
Older American |
|
|
| 08/16/2019 |
Yes |
- Debt collection
- Other debt
|
- Written notification about debt
- Didn't receive enough information to verify debt
|
|
Postal mail |
|
|
|
| 08/15/2019 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Account status incorrect
|
|
Web |
|
|
|
| 08/15/2019 |
Yes |
- Debt collection
- Credit card debt
|
- Took or threatened to take negative or legal action
- Threatened or suggested your credit would be damaged
|
|
Web |
|
|
|
| 08/13/2019 |
Yes |
- Debt collection
- I do not know
|
- Communication tactics
- Frequent or repeated calls
|
|
Web |
|
|
|
| 08/05/2019 |
Yes |
- Debt collection
- Credit card debt
|
- Attempts to collect debt not owed
- Debt was result of identity theft
|
|
Web |
|
|
|
| 08/02/2019 |
Yes |
- Debt collection
- Other debt
|
- Written notification about debt
- Didn't receive enough information to verify debt
|
|
Web |
|
|
|
| 07/29/2019 |
Yes |
- Debt collection
- I do not know
|
- Attempts to collect debt not owed
- Debt was result of identity theft
|
|
Web |
|
|
|
| 07/24/2019 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Postal mail |
|
|
|
| 07/14/2019 |
Yes |
- Debt collection
- Other debt
|
- False statements or representation
- Attempted to collect wrong amount
|
|
Web |
|
|
|
| 07/07/2019 |
Yes |
- Debt collection
- I do not know
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
|
| 06/18/2019 |
Yes |
- Debt collection
- Other debt
|
- Written notification about debt
- Didn't receive enough information to verify debt
|
|
Web |
|
|
|
| 06/11/2019 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
|
| 06/08/2019 |
Yes |
- Debt collection
- Credit card debt
|
- Communication tactics
- You told them to stop contacting you, but they keep trying
|
|
Web |
|
|
|
| 05/20/2019 |
Yes |
- Debt collection
- I do not know
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
|
| 05/15/2019 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Account status incorrect
|
|
Phone |
|
|
|
| 05/10/2019 |
Yes |
- Debt collection
- I do not know
|
- Written notification about debt
- Didn't receive enough information to verify debt
|
|
Referral |
|
|
|
| 05/06/2019 |
Yes |
- Debt collection
- I do not know
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
Servicemember |
|
|
| 05/05/2019 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt was result of identity theft
|
|
Web |
|
|
|
| 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
|
|
Web |
Servicemember |
|
|
| 04/30/2019 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Account status incorrect
|
|
Web |
Servicemember |
|
|
| 04/24/2019 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
|
| 04/23/2019 |
Yes |
- Debt collection
- Other debt
|
- Written notification about debt
- Didn't receive enough information to verify debt
|
|
Web |
|
|
|
| 04/23/2019 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt was paid
|
|
Web |
|
|
|
| 04/23/2019 |
Yes |
- Debt collection
- Other debt
|
- Written notification about debt
- Didn't receive enough information to verify debt
|
|
Web |
|
|
|
| 04/19/2019 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
|
| 04/19/2019 |
Yes |
- Debt collection
- I do not know
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
Servicemember |
|
|
| 04/09/2019 |
Yes |
- Debt collection
- I do not know
|
- Written notification about debt
- Didn't receive enough information to verify debt
|
|
Referral |
|
|
|
| 03/28/2019 |
Yes |
- Debt collection
- I do not know
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Phone |
|
|
|
| 03/27/2019 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Account information incorrect
|
|
Web |
|
|
|
| 03/20/2019 |
Yes |
- Debt collection
- Other debt
|
- Written notification about debt
- Didn't receive enough information to verify debt
|
|
Web |
|
|
|
| 03/04/2019 |
Yes |
- Debt collection
- I do not know
|
- Written notification about debt
- Didn't receive enough information to verify debt
|
|
Web |
|
|
|
| 03/03/2019 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
|
| 02/23/2019 |
Yes |
- Debt collection
- Other debt
|
- Communication tactics
- Called before 8am or after 9pm
|
|
Web |
Servicemember |
|
|
| 02/07/2019 |
Yes |
- Debt collection
- Auto debt
|
- Communication tactics
- You told them to stop contacting you, but they keep trying
|
|
Web |
|
|
|
| 02/06/2019 |
Yes |
- Debt collection
- Auto debt
|
- Communication tactics
- You told them to stop contacting you, but they keep trying
|
|
Web |
|
|
|
| 02/02/2019 |
Yes |
- Debt collection
- Credit card debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
|
| 01/29/2019 |
Yes |
- Debt collection
- I do not know
|
- Communication tactics
- Frequent or repeated calls
|
|
Web |
|
|
|
| 01/15/2019 |
Yes |
- Debt collection
- Other debt
|
- Took or threatened to take negative or legal action
- Threatened or suggested your credit would be damaged
|
|
Fax |
|
|
|
| 01/04/2019 |
Yes |
- Debt collection
- Credit card debt
|
- Written notification about debt
- Didn't receive enough information to verify debt
|
|
Web |
|
|
|
| 01/04/2019 |
Yes |
- Debt collection
- Other debt
|
- Written notification about debt
- Didn't receive enough information to verify debt
|
|
Web |
|
|
|
| 12/27/2018 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Referral |
|
|
|
| 12/19/2018 |
Yes |
- Debt collection
- I do not know
|
- Communication tactics
- You told them to stop contacting you, but they keep trying
|
|
Web |
Servicemember |
|
|
| 12/11/2018 |
Yes |
- Debt collection
- Credit card debt
|
- Written notification about debt
- Didn't receive enough information to verify debt
|
|
Fax |
|
|
|
| 11/30/2018 |
Yes |
- Debt collection
- Payday loan debt
|
- Communication tactics
- You told them to stop contacting you, but they keep trying
|
|
Web |
|
|
|
| 11/26/2018 |
Yes |
- Debt collection
- Credit card debt
|
- Written notification about debt
- Didn't receive notice of right to dispute
|
|
Web |
|
|
|
| 11/23/2018 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt was already discharged in bankruptcy and is no longer owed
|
|
Web |
|
|
|
| 11/19/2018 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Phone |
|
|
|
| 11/14/2018 |
Yes |
- Debt collection
- Other debt
|
- Communication tactics
- Frequent or repeated calls
|
|
Referral |
|
|
|
| 11/14/2018 |
Yes |
- Debt collection
- Other debt
|
- Written notification about debt
- Didn't receive enough information to verify debt
|
|
Referral |
|
|
|
| 11/12/2018 |
Yes |
- Debt collection
- I do not know
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
|
| 10/22/2018 |
Yes |
- Debt collection
- Other debt
|
- Written notification about debt
- Didn't receive notice of right to dispute
|
|
Referral |
|
|
|
| 10/16/2018 |
Yes |
- Debt collection
- Auto debt
|
- Attempts to collect debt not owed
- Debt was paid
|
|
Referral |
|
|
|
| 09/21/2018 |
Yes |
- Debt collection
- Other debt
|
- Written notification about debt
- Didn't receive notice of right to dispute
|
|
Web |
Servicemember |
|
|
| 09/18/2018 |
Yes |
- Debt collection
- Private student loan debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Referral |
|
|
|
| 09/11/2018 |
Yes |
- Debt collection
- Private student loan debt
|
- Communication tactics
- Frequent or repeated calls
|
|
Web |
Servicemember |
|
|
| 08/25/2018 |
Yes |
- Debt collection
- Auto debt
|
- Written notification about debt
- Didn't receive enough information to verify debt
|
|
Web |
|
|
|
| 08/23/2018 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Phone |
Servicemember |
|
|
| 08/16/2018 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt was result of identity theft
|
|
Web |
|
|
|
| 08/15/2018 |
Yes |
- Debt collection
- Other debt
|
- Written notification about debt
- Didn't receive enough information to verify debt
|
|
Postal mail |
|
|
|
| 08/06/2018 |
Yes |
- Debt collection
- I do not know
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
|
| 08/06/2018 |
Yes |
- Debt collection
- I do not know
|
- Written notification about debt
- Didn't receive enough information to verify debt
|
|
Referral |
|
|
|
| 08/01/2018 |
Yes |
- Debt collection
- Other debt
|
- Written notification about debt
- Didn't receive enough information to verify debt
|
|
Postal mail |
|
|
|
| 07/20/2018 |
Yes |
- Debt collection
- Other debt
|
- Written notification about debt
- Didn't receive enough information to verify debt
|
|
Postal mail |
|
|
|
| 07/20/2018 |
Yes |
- Debt collection
- Other debt
|
- Communication tactics
- Frequent or repeated calls
|
|
Web |
|
|
|
| 07/17/2018 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
|
| 07/17/2018 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Information belongs to someone else
|
|
Web |
|
|
|
| 07/09/2018 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
|
| 06/27/2018 |
Yes |
- Debt collection
- Other debt
|
- Written notification about debt
- Didn't receive enough information to verify debt
|
|
Web |
|
|
|
| 06/20/2018 |
Yes |
- Debt collection
- Other debt
|
- Written notification about debt
- Didn't receive enough information to verify debt
|
|
Referral |
|
|
|
| 06/12/2018 |
Yes |
- Debt collection
- I do not know
|
- Attempts to collect debt not owed
- Debt was result of identity theft
|
|
Web |
|
|
|
| 06/07/2018 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt was result of identity theft
|
|
Web |
Servicemember |
|
|
| 06/07/2018 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
|
| 06/04/2018 |
Yes |
- Debt collection
- I do not know
|
- Communication tactics
- Frequent or repeated calls
|
|
Web |
|
|
|
| 05/16/2018 |
Yes |
- Debt collection
- Other debt
|
- Written notification about debt
- Didn't receive enough information to verify debt
|
|
Postal mail |
|
|
|
| 05/15/2018 |
Yes |
- Debt collection
- Other debt
|
- Written notification about debt
- Didn't receive enough information to verify debt
|
|
Referral |
|
|
|
| 05/10/2018 |
Yes |
- Debt collection
- Other debt
|
- Written notification about debt
- Didn't receive notice of right to dispute
|
|
Web |
|
|
|
| 05/08/2018 |
Yes |
- Debt collection
- Auto debt
|
- Written notification about debt
- Didn't receive enough information to verify debt
|
|
Postal mail |
|
|
|
| 05/07/2018 |
Yes |
- Debt collection
- I do not know
|
- Written notification about debt
- Notification didn't disclose it was an attempt to collect a debt
|
|
Web |
Servicemember |
|
|
| 05/03/2018 |
Yes |
- Debt collection
- Other debt
|
- Written notification about debt
- Didn't receive enough information to verify debt
|
|
Postal mail |
|
|
|
| 04/18/2018 |
Yes |
- Debt collection
- Other debt
|
- Written notification about debt
- Didn't receive enough information to verify debt
|
|
Postal mail |
|
|
|
| 04/06/2018 |
Yes |
- Debt collection
- Private student loan debt
|
- Attempts to collect debt not owed
- Debt was result of identity theft
|
|
Web |
|
|
|
| 04/06/2018 |
Yes |
- Debt collection
- I do not know
|
- Communication tactics
- Frequent or repeated calls
|
|
Web |
|
|
|
| 04/03/2018 |
Yes |
- Debt collection
- I do not know
|
- False statements or representation
- Attempted to collect wrong amount
|
|
Web |
|
|
|
| 04/02/2018 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
|
| 03/09/2018 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
|
| 03/08/2018 |
Yes |
- Debt collection
- I do not know
|
- Communication tactics
- You told them to stop contacting you, but they keep trying
|
|
Web |
|
|
|
| 02/23/2018 |
Yes |
- Debt collection
- Other debt
|
- Communication tactics
- Frequent or repeated calls
|
|
Web |
|
|
|
| 02/02/2018 |
Yes |
- Debt collection
- Other debt
|
- Written notification about debt
- Didn't receive enough information to verify debt
|
|
Web |
|
|
|
| 01/31/2018 |
Yes |
- Debt collection
- Other debt
|
- Written notification about debt
- Didn't receive enough information to verify debt
|
|
Web |
|
|
|
| 01/31/2018 |
Yes |
- Debt collection
- Credit card debt
|
- Written notification about debt
- Didn't receive enough information to verify debt
|
|
Postal mail |
|
|
|
| 01/25/2018 |
Yes |
- Debt collection
- I do not know
|
- Attempts to collect debt not owed
- Debt was paid
|
|
Web |
|
|
|
| 01/18/2018 |
Yes |
- Debt collection
- Other debt
|
- Written notification about debt
- Didn't receive enough information to verify debt
|
|
Postal mail |
|
|
|
| 12/30/2017 |
Yes |
- Debt collection
- I do not know
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
Servicemember |
|
|
| 12/29/2017 |
Yes |
- Debt collection
- Other debt
|
- Communication tactics
- Frequent or repeated calls
|
|
Web |
|
|
|
| 12/08/2017 |
Yes |
- Debt collection
- Auto debt
|
- Written notification about debt
- Didn't receive enough information to verify debt
|
|
Web |
|
|
|
| 11/29/2017 |
Yes |
- Debt collection
- Other debt
|
- Communication tactics
- Frequent or repeated calls
|
|
Referral |
|
|
|
| 11/29/2017 |
Yes |
- Debt collection
- Credit card debt
|
- Attempts to collect debt not owed
- Debt was paid
|
|
Referral |
|
|
|
| 11/11/2017 |
Yes |
- Debt collection
- Auto debt
|
- Communication tactics
- You told them to stop contacting you, but they keep trying
|
|
Web |
|
|
|
| 11/09/2017 |
Yes |
- Student loan
- Private student loan
|
- Struggling to repay your loan
- Can't get other flexible options for repaying your loan
|
|
Phone |
|
|
|
| 11/06/2017 |
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
|
|
Web |
|
|
|
| 10/25/2017 |
Yes |
- Debt collection
- Other debt
|
- Written notification about debt
- Didn't receive enough information to verify debt
|
|
Referral |
|
|
|
| 10/25/2017 |
Yes |
- Debt collection
- Other debt
|
- Written notification about debt
- Didn't receive enough information to verify debt
|
|
Referral |
|
|
|
| 10/17/2017 |
Yes |
- Debt collection
- I do not know
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
|
| 09/29/2017 |
Yes |
- Debt collection
- Private student loan debt
|
- Written notification about debt
- Didn't receive enough information to verify debt
|
|
Referral |
|
|
|
| 09/25/2017 |
Yes |
- Debt collection
- Other debt
|
- Written notification about debt
- Didn't receive notice of right to dispute
|
|
Web |
|
|
|
| 08/03/2017 |
Yes |
- Debt collection
- Other debt
|
- Took or threatened to take negative or legal action
- Threatened to arrest you or take you to jail if you do not pay
|
|
Phone |
Servicemember |
|
|
| 07/25/2017 |
Yes |
- Debt collection
- Auto debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Postal mail |
|
|
|
| 07/07/2017 |
Yes |
- Debt collection
- I do not know
|
- Written notification about debt
- Didn't receive enough information to verify debt
|
|
Web |
|
|
|
| 06/26/2017 |
Yes |
- Debt collection
- Credit card debt
|
- False statements or representation
- Attempted to collect wrong amount
|
|
Web |
|
|
|
| 06/14/2017 |
Yes |
- Debt collection
- Private student loan debt
|
- False statements or representation
- Indicated you were committing crime by not paying debt
|
|
Referral |
|
|
|
| 06/07/2017 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Account status incorrect
|
|
Web |
|
|
|
| 06/07/2017 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
|
| 06/05/2017 |
Yes |
- Debt collection
- Federal student loan debt
|
- Written notification about debt
- Didn't receive enough information to verify debt
|
|
Postal mail |
|
|
|
| 06/04/2017 |
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
|
|
Web |
|
|
|
| 05/23/2017 |
Yes |
- Debt collection
- Other debt
|
- Written notification about debt
- Didn't receive notice of right to dispute
|
|
Web |
|
|
|
| 05/19/2017 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Phone |
|
|
|
| 05/13/2017 |
Yes |
- Debt collection
- Other debt
|
- Written notification about debt
- Didn't receive notice of right to dispute
|
|
Web |
Older American |
|
|
| 05/12/2017 |
Yes |
- Debt collection
- Other debt
|
- Written notification about debt
- Didn't receive enough information to verify debt
|
|
Postal mail |
|
|
|
| 05/10/2017 |
Yes |
- Debt collection
- Auto debt
|
- Communication tactics
- You told them to stop contacting you, but they keep trying
|
|
Web |
Servicemember |
|
|
| 05/08/2017 |
Yes |
- Debt collection
- Credit card debt
|
- Communication tactics
- You told them to stop contacting you, but they keep trying
|
|
Web |
|
|
|
| 04/26/2017 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
|
| 04/26/2017 |
Yes |
- Student loan
- Private student loan
|
- Dealing with your lender or servicer
- Problem with customer service
|
|
Phone |
|
|
|
| 04/21/2017 |
Yes |
- Debt collection
- Other (i.e. phone, health club, etc.)
|
- Cont'd attempts collect debt not owed
- Debt is not mine
|
|
Web |
|
|
|
| 04/20/2017 |
Yes |
- Debt collection
- I do not know
|
- Communication tactics
- Frequent or repeated calls
|
|
Web |
|
|
|
| 04/18/2017 |
Yes |
- Debt collection
- Other (i.e. phone, health club, etc.)
|
- Disclosure verification of debt
- Not given enough info to verify debt
|
|
Referral |
|
|
|
| 04/13/2017 |
Yes |
- Debt collection
- Non-federal student loan
|
- Cont'd attempts collect debt not owed
- Debt was paid
|
|
Web |
|
|
|
| 04/04/2017 |
Yes |
- Debt collection
- Other (i.e. phone, health club, etc.)
|
- Cont'd attempts collect debt not owed
- Debt is not mine
|
|
Web |
|
|
|
| 03/14/2017 |
Yes |
- Debt collection
- Other (i.e. phone, health club, etc.)
|
- Disclosure verification of debt
- Not given enough info to verify debt
|
|
Referral |
|
|
|
| 02/25/2017 |
Yes |
- Debt collection
- Other (i.e. phone, health club, etc.)
|
- Disclosure verification of debt
- Not given enough info to verify debt
|
|
Web |
|
|
|
| 02/23/2017 |
Yes |
- Debt collection
- Other (i.e. phone, health club, etc.)
|
- Communication tactics
- Frequent or repeated calls
|
|
Postal mail |
|
|
|
| 02/21/2017 |
Yes |
- Debt collection
- I do not know
|
- Communication tactics
- Called outside of 8am-9pm
|
|
Web |
|
|
|
| 02/18/2017 |
Yes |
- Debt collection
- Other (i.e. phone, health club, etc.)
|
- Disclosure verification of debt
- Not given enough info to verify debt
|
|
Web |
|
|
|
| 02/15/2017 |
Yes |
- Debt collection
- Other (i.e. phone, health club, etc.)
|
- Disclosure verification of debt
- Not given enough info to verify debt
|
|
Referral |
|
|
|
| 01/30/2017 |
Yes |
- Debt collection
- I do not know
|
- Cont'd attempts collect debt not owed
- Debt is not mine
|
|
Web |
Older American |
|
|
| 01/27/2017 |
Yes |
- Debt collection
- Other (i.e. phone, health club, etc.)
|
- Cont'd attempts collect debt not owed
- Debt was paid
|
|
Web |
|
|
|
| 01/24/2017 |
Yes |
- Debt collection
- I do not know
|
- Disclosure verification of debt
- Not given enough info to verify debt
|
|
Phone |
Servicemember |
|
|
| 01/17/2017 |
Yes |
- Debt collection
- Other (i.e. phone, health club, etc.)
|
- Cont'd attempts collect debt not owed
- Debt was paid
|
|
Referral |
|
|
|
| 12/29/2016 |
Yes |
- Debt collection
- Other (i.e. phone, health club, etc.)
|
- Disclosure verification of debt
- Not given enough info to verify debt
|
|
Referral |
|
|
|
| 12/14/2016 |
Yes |
- Debt collection
- Other (i.e. phone, health club, etc.)
|
- False statements or representation
- Attempted to collect wrong amount
|
|
Web |
Servicemember |
|
|
| 12/14/2016 |
Yes |
- Debt collection
- Other (i.e. phone, health club, etc.)
|
- Disclosure verification of debt
- Not given enough info to verify debt
|
|
Web |
|
|
|
| 11/27/2016 |
Yes |
- Debt collection
- Other (i.e. phone, health club, etc.)
|
- Disclosure verification of debt
- Not given enough info to verify debt
|
|
Web |
|
|
|
| 11/16/2016 |
Yes |
- Debt collection
- Other (i.e. phone, health club, etc.)
|
- Disclosure verification of debt
- Not given enough info to verify debt
|
|
Postal mail |
|
|
|
| 11/09/2016 |
Yes |
- Debt collection
- Other (i.e. phone, health club, etc.)
|
- Cont'd attempts collect debt not owed
- Debt was paid
|
|
Referral |
|
|
|
| 11/04/2016 |
Yes |
- Debt collection
- Other (i.e. phone, health club, etc.)
|
- Disclosure verification of debt
- Not given enough info to verify debt
|
|
Web |
|
|
|
| 10/19/2016 |
Yes |
- Debt collection
- Other (i.e. phone, health club, etc.)
|
- Disclosure verification of debt
- Not disclosed as an attempt to collect
|
|
Referral |
|
|
|
| 10/16/2016 |
Yes |
- Debt collection
- Other (i.e. phone, health club, etc.)
|
- Cont'd attempts collect debt not owed
- Debt was paid
|
|
Web |
|
|
|
| 10/16/2016 |
Yes |
- Debt collection
- Credit card
|
- Disclosure verification of debt
- Not given enough info to verify debt
|
|
Web |
|
|
|
| 09/19/2016 |
Yes |
- Debt collection
- Other (i.e. phone, health club, etc.)
|
- Communication tactics
- Frequent or repeated calls
|
|
Postal mail |
Older American |
|
|
| 09/01/2016 |
Yes |
- Debt collection
- Other (i.e. phone, health club, etc.)
|
- Disclosure verification of debt
- Right to dispute notice not received
|
|
Web |
|
|
|
| 08/31/2016 |
Yes |
|
- Disclosure verification of debt
- Not given enough info to verify debt
|
|
Postal mail |
|
|
|
| 08/30/2016 |
Yes |
- Debt collection
- Other (i.e. phone, health club, etc.)
|
- Cont'd attempts collect debt not owed
- Debt resulted from identity theft
|
|
Web |
|
|
|
| 08/17/2016 |
Yes |
- Debt collection
- I do not know
|
- Cont'd attempts collect debt not owed
- Debt is not mine
|
|
Web |
|
|
|
| 08/16/2016 |
Yes |
- Debt collection
- Other (i.e. phone, health club, etc.)
|
- Cont'd attempts collect debt not owed
- Debt is not mine
|
|
Web |
|
|
|
| 08/09/2016 |
Yes |
- Debt collection
- Other (i.e. phone, health club, etc.)
|
- Cont'd attempts collect debt not owed
- Debt was paid
|
|
Web |
|
|
|
| 07/15/2016 |
Yes |
- Debt collection
- Other (i.e. phone, health club, etc.)
|
- Cont'd attempts collect debt not owed
- Debt was paid
|
|
Referral |
|
|
|
| 07/12/2016 |
Yes |
- Debt collection
- Non-federal student loan
|
- Taking/threatening an illegal action
- Seized/Attempted to seize property
|
|
Web |
|
|
|
| 06/29/2016 |
Yes |
- Debt collection
- Credit card
|
- Cont'd attempts collect debt not owed
- Debt is not mine
|
|
Postal mail |
Older American |
|
|
| 06/28/2016 |
Yes |
- Debt collection
- I do not know
|
- Cont'd attempts collect debt not owed
- Debt was paid
|
|
Web |
Older American, Servicemember |
|
|
| 06/16/2016 |
Yes |
- Debt collection
- Other (i.e. phone, health club, etc.)
|
- Disclosure verification of debt
- Not given enough info to verify debt
|
|
Phone |
|
|
|
| 06/03/2016 |
Yes |
- Debt collection
- Credit card
|
- Cont'd attempts collect debt not owed
- Debt is not mine
|
|
Phone |
|
|
|
| 05/31/2016 |
Yes |
- Debt collection
- Non-federal student loan
|
- Communication tactics
- Called after sent written cease of comm
|
|
Postal mail |
|
|
|
| 05/25/2016 |
Yes |
- Debt collection
- Other (i.e. phone, health club, etc.)
|
- Cont'd attempts collect debt not owed
- Debt is not mine
|
|
Web |
|
|
|
| 05/18/2016 |
Yes |
- Debt collection
- Other (i.e. phone, health club, etc.)
|
- Cont'd attempts collect debt not owed
- Debt is not mine
|
|
Web |
|
|
|
| 05/13/2016 |
Yes |
- Debt collection
- Other (i.e. phone, health club, etc.)
|
- Disclosure verification of debt
- Right to dispute notice not received
|
|
Referral |
|
|
|
| 05/07/2016 |
Yes |
- Debt collection
- Non-federal student loan
|
- False statements or representation
- Attempted to collect wrong amount
|
|
Web |
|
|
|
| 04/18/2016 |
Yes |
- Student loan
- Non-federal student loan
|
- Dealing with my lender or servicer
- Keep getting calls about my loan
|
|
Web |
|
|
|
| 04/16/2016 |
Yes |
- Debt collection
- I do not know
|
- Cont'd attempts collect debt not owed
- Debt is not mine
|
|
Web |
|
|
|
| 04/08/2016 |
Yes |
|
- Disclosure verification of debt
- Not given enough info to verify debt
|
|
Referral |
|
|
|
| 04/05/2016 |
Yes |
- Debt collection
- I do not know
|
- Cont'd attempts collect debt not owed
- Debt is not mine
|
|
Web |
Older American |
|
|
| 04/01/2016 |
Yes |
- Debt collection
- Credit card
|
- Cont'd attempts collect debt not owed
- Debt is not mine
|
|
Phone |
|
|
|
| 03/22/2016 |
Yes |
- Debt collection
- Other (i.e. phone, health club, etc.)
|
- False statements or representation
- Attempted to collect wrong amount
|
|
Postal mail |
|
|
|
| 02/19/2016 |
Yes |
- Debt collection
- Other (i.e. phone, health club, etc.)
|
- Cont'd attempts collect debt not owed
- Debt is not mine
|
|
Web |
|
|
|
| 02/15/2016 |
Yes |
- Debt collection
- Other (i.e. phone, health club, etc.)
|
- Cont'd attempts collect debt not owed
- Debt is not mine
|
|
Web |
|
|
|
| 02/13/2016 |
Yes |
- Debt collection
- Other (i.e. phone, health club, etc.)
|
- Cont'd attempts collect debt not owed
- Debt is not mine
|
|
Web |
|
|
|
| 01/31/2016 |
Yes |
- Debt collection
- Other (i.e. phone, health club, etc.)
|
- Disclosure verification of debt
- Not given enough info to verify debt
|
|
Web |
|
|
|
| 01/13/2016 |
Yes |
- Debt collection
- Credit card
|
- Cont'd attempts collect debt not owed
- Debt is not mine
|
|
Web |
|
|
|
| 01/08/2016 |
Yes |
- Debt collection
- Other (i.e. phone, health club, etc.)
|
- Cont'd attempts collect debt not owed
- Debt is not mine
|
|
Phone |
|
|
|
| 12/22/2015 |
Yes |
- Debt collection
- Other (i.e. phone, health club, etc.)
|
- Cont'd attempts collect debt not owed
- Debt was paid
|
|
Referral |
|
|
|
| 12/22/2015 |
Yes |
|
- Disclosure verification of debt
- Not given enough info to verify debt
|
|
Referral |
|
|
|
| 12/08/2015 |
Yes |
|
- Taking/threatening an illegal action
- Sued w/o proper notification of suit
|
|
Web |
|
|
|
| 11/19/2015 |
Yes |
- Student loan
- Non-federal student loan
|
- Dealing with my lender or servicer
- Trouble with how payments are handled
|
|
Web |
|
|
|
| 11/10/2015 |
Yes |
- Debt collection
- I do not know
|
- False statements or representation
- Indicated committed crime not paying
|
|
Web |
|
|
|
| 11/05/2015 |
Yes |
- Debt collection
- Other (i.e. phone, health club, etc.)
|
- Disclosure verification of debt
- Not given enough info to verify debt
|
|
Referral |
|
|
|
| 10/22/2015 |
Yes |
- Debt collection
- Other (i.e. phone, health club, etc.)
|
- Cont'd attempts collect debt not owed
- Debt was paid
|
|
Postal mail |
|
|
|
| 10/19/2015 |
Yes |
- Debt collection
- Other (i.e. phone, health club, etc.)
|
- Communication tactics
- Threatened to take legal action
|
|
Postal mail |
|
|
|
| 10/14/2015 |
Yes |
- Debt collection
- Other (i.e. phone, health club, etc.)
|
- Cont'd attempts collect debt not owed
- Debt is not mine
|
|
Web |
|
|
|
| 10/08/2015 |
Yes |
- Debt collection
- Other (i.e. phone, health club, etc.)
|
- Cont'd attempts collect debt not owed
- Debt is not mine
|
|
Web |
|
|
|
| 09/22/2015 |
Yes |
- Debt collection
- Other (i.e. phone, health club, etc.)
|
- Disclosure verification of debt
- Right to dispute notice not received
|
|
Web |
|
|
|
| 09/14/2015 |
Yes |
- Debt collection
- I do not know
|
- Communication tactics
- Frequent or repeated calls
|
|
Phone |
|
|
|
| 08/20/2015 |
Yes |
- Debt collection
- Non-federal student loan
|
- Improper contact or sharing of info
- Contacted me after I asked not to
|
|
Web |
|
|
|
| 08/19/2015 |
Yes |
- Debt collection
- Other (i.e. phone, health club, etc.)
|
- Cont'd attempts collect debt not owed
- Debt was paid
|
|
Web |
|
|
|
| 08/18/2015 |
Yes |
- Debt collection
- Other (i.e. phone, health club, etc.)
|
- Cont'd attempts collect debt not owed
- Debt resulted from identity theft
|
|
Web |
|
|
|
| 08/16/2015 |
Yes |
- Debt collection
- Other (i.e. phone, health club, etc.)
|
- Cont'd attempts collect debt not owed
- Debt is not mine
|
|
Web |
|
|
|
| 07/24/2015 |
Yes |
- Debt collection
- Other (i.e. phone, health club, etc.)
|
- Disclosure verification of debt
- Not given enough info to verify debt
|
|
Referral |
|
|
|
| 07/14/2015 |
Yes |
- Debt collection
- Other (i.e. phone, health club, etc.)
|
- Improper contact or sharing of info
- Talked to a third party about my debt
|
|
Web |
|
|
|
| 07/08/2015 |
Yes |
- Debt collection
- Other (i.e. phone, health club, etc.)
|
- Cont'd attempts collect debt not owed
- Debt was paid
|
|
Referral |
|
|
|
| 06/23/2015 |
Yes |
- Debt collection
- Other (i.e. phone, health club, etc.)
|
- Cont'd attempts collect debt not owed
- Debt is not mine
|
|
Web |
|
|
|
| 06/21/2015 |
Yes |
- Debt collection
- Other (i.e. phone, health club, etc.)
|
- Disclosure verification of debt
- Right to dispute notice not received
|
|
Web |
Older American |
|
|
| 05/27/2015 |
Yes |
- Debt collection
- Other (i.e. phone, health club, etc.)
|
- Cont'd attempts collect debt not owed
- Debt is not mine
|
|
Referral |
|
|
|
| 05/20/2015 |
Yes |
- Debt collection
- I do not know
|
- Cont'd attempts collect debt not owed
- Debt is not mine
|
|
Postal mail |
|
|
|
| 04/21/2015 |
Yes |
- Student loan
- Non-federal student loan
|
- Dealing with my lender or servicer
- Keep getting calls about my loan
|
|
Web |
|
|
|
| 04/01/2015 |
Yes |
- Debt collection
- I do not know
|
- Communication tactics
- Frequent or repeated calls
|
|
Web |
|
|
|
| 03/22/2015 |
Yes |
- Debt collection
- Other (i.e. phone, health club, etc.)
|
- Cont'd attempts collect debt not owed
- Debt is not mine
|
|
Web |
|
|
|
| 03/17/2015 |
Yes |
- Debt collection
- I do not know
|
- Communication tactics
- Frequent or repeated calls
|
|
Web |
Servicemember |
|
|
| 03/17/2015 |
Yes |
- Debt collection
- Credit card
|
- Cont'd attempts collect debt not owed
- Debt is not mine
|
|
Phone |
|
|
|
| 03/11/2015 |
Yes |
- Debt collection
- Credit card
|
- Communication tactics
- Frequent or repeated calls
|
|
Web |
|
|
|
| 03/07/2015 |
Yes |
- Debt collection
- Other (i.e. phone, health club, etc.)
|
- Cont'd attempts collect debt not owed
- Debt was paid
|
|
Web |
Servicemember |
|
|
| 03/07/2015 |
Yes |
|
- Cont'd attempts collect debt not owed
- Debt is not mine
|
|
Phone |
|
|
|
| 03/05/2015 |
Yes |
- Debt collection
- Non-federal student loan
|
- Cont'd attempts collect debt not owed
- Debt was discharged in bankruptcy
|
|
Web |
|
|
|
| 02/27/2015 |
Yes |
- Debt collection
- I do not know
|
- Improper contact or sharing of info
- Contacted employer after asked not to
|
|
Web |
|
|
|
| 02/25/2015 |
Yes |
- Debt collection
- Other (i.e. phone, health club, etc.)
|
- Disclosure verification of debt
- Right to dispute notice not received
|
|
Web |
Servicemember |
|
|
| 02/23/2015 |
Yes |
- Debt collection
- I do not know
|
- Cont'd attempts collect debt not owed
- Debt is not mine
|
|
Referral |
|
|
|
| 02/19/2015 |
Yes |
- Debt collection
- I do not know
|
- Cont'd attempts collect debt not owed
- Debt is not mine
|
|
Web |
Older American, Servicemember |
|
|
| 02/16/2015 |
Yes |
- Debt collection
- Credit card
|
- Improper contact or sharing of info
- Talked to a third party about my debt
|
|
Web |
Older American, Servicemember |
|
|
| 01/28/2015 |
Yes |
- Debt collection
- Credit card
|
- Communication tactics
- Called outside of 8am-9pm
|
|
Web |
|
|
|
| 01/23/2015 |
Yes |
- Debt collection
- Other (i.e. phone, health club, etc.)
|
- Cont'd attempts collect debt not owed
- Debt was paid
|
|
Web |
|
|
|
| 01/22/2015 |
Yes |
- Debt collection
- Other (i.e. phone, health club, etc.)
|
- Disclosure verification of debt
- Right to dispute notice not received
|
|
Web |
Servicemember |
|
|
| 01/13/2015 |
Yes |
- Debt collection
- Other (i.e. phone, health club, etc.)
|
- Cont'd attempts collect debt not owed
- Debt is not mine
|
|
Postal mail |
|
|
|
| 01/08/2015 |
Yes |
- Debt collection
- Credit card
|
- Communication tactics
- Frequent or repeated calls
|
|
Web |
|
|
|
| 01/03/2015 |
Yes |
- Debt collection
- I do not know
|
- Communication tactics
- Frequent or repeated calls
|
|
Web |
|
|
|
| 12/23/2014 |
Yes |
- Debt collection
- Other (i.e. phone, health club, etc.)
|
- Communication tactics
- Frequent or repeated calls
|
|
Phone |
|
|
|
| 12/22/2014 |
Yes |
|
- Disclosure verification of debt
- Right to dispute notice not received
|
|
Web |
|
|
|
| 12/22/2014 |
Yes |
- Debt collection
- Other (i.e. phone, health club, etc.)
|
- Cont'd attempts collect debt not owed
- Debt resulted from identity theft
|
|
Web |
|
|
|
| 12/17/2014 |
Yes |
- Debt collection
- Non-federal student loan
|
- Communication tactics
- Frequent or repeated calls
|
|
Referral |
|
|
|
| 12/16/2014 |
Yes |
|
- Communication tactics
- Called after sent written cease of comm
|
|
Referral |
|
|
|
| 12/12/2014 |
Yes |
- Debt collection
- Non-federal student loan
|
- Cont'd attempts collect debt not owed
- Debt resulted from identity theft
|
|
Referral |
|
|
|
| 12/05/2014 |
Yes |
|
- Cont'd attempts collect debt not owed
- Debt resulted from identity theft
|
|
Web |
|
|
|
| 12/03/2014 |
Yes |
- Debt collection
- Credit card
|
- Communication tactics
- Threatened to take legal action
|
|
Web |
|
|
|
| 11/18/2014 |
Yes |
- Debt collection
- Non-federal student loan
|
- Communication tactics
- Frequent or repeated calls
|
|
Web |
|
|
|
| 11/14/2014 |
Yes |
- Debt collection
- Credit card
|
- Cont'd attempts collect debt not owed
- Debt was paid
|
|
Web |
|
|
|
| 10/22/2014 |
Yes |
- Debt collection
- Other (i.e. phone, health club, etc.)
|
- Cont'd attempts collect debt not owed
- Debt is not mine
|
|
Phone |
Servicemember |
|
|
| 10/21/2014 |
Yes |
|
- Incorrect information on credit report
- Account status
|
|
Postal mail |
|
|
|
| 10/09/2014 |
Yes |
- Debt collection
- I do not know
|
- Cont'd attempts collect debt not owed
- Debt is not mine
|
|
Web |
|
|
|
| 10/07/2014 |
Yes |
- Debt collection
- I do not know
|
- False statements or representation
- Impersonated an attorney or official
|
|
Web |
|
|
|
| 10/01/2014 |
Yes |
- Student loan
- Non-federal student loan
|
- Can't repay my loan
- Can't get flexible payment options
|
|
Web |
Older American |
|
|
| 09/29/2014 |
Yes |
- Debt collection
- Other (i.e. phone, health club, etc.)
|
- Communication tactics
- Frequent or repeated calls
|
|
Web |
|
|
|
| 09/26/2014 |
Yes |
- Debt collection
- Credit card
|
- False statements or representation
- Attempted to collect wrong amount
|
|
Web |
|
|
|
| 09/25/2014 |
Yes |
- Debt collection
- Other (i.e. phone, health club, etc.)
|
- Cont'd attempts collect debt not owed
- Debt is not mine
|
|
Referral |
|
|
|
| 09/19/2014 |
Yes |
- Debt collection
- Non-federal student loan
|
- Communication tactics
- Frequent or repeated calls
|
|
Web |
|
|
|
| 09/03/2014 |
Yes |
- Debt collection
- I do not know
|
- Cont'd attempts collect debt not owed
- Debt is not mine
|
|
Web |
|
|
|
| 08/29/2014 |
Yes |
- Student loan
- Non-federal student loan
|
- Dealing with my lender or servicer
- Keep getting calls about my loan
|
|
Web |
|
|
|
| 08/23/2014 |
Yes |
- Debt collection
- Other (i.e. phone, health club, etc.)
|
- Cont'd attempts collect debt not owed
- Debt is not mine
|
|
Web |
|
|
|
| 08/19/2014 |
Yes |
- Debt collection
- I do not know
|
- False statements or representation
- Impersonated an attorney or official
|
|
Web |
|
|
|
| 08/15/2014 |
Yes |
- Debt collection
- I do not know
|
- Communication tactics
- Frequent or repeated calls
|
|
Web |
|
|
|
| 08/13/2014 |
Yes |
- Debt collection
- I do not know
|
- Communication tactics
- Frequent or repeated calls
|
|
Web |
|
|
|
| 08/11/2014 |
Yes |
- Debt collection
- Other (i.e. phone, health club, etc.)
|
- Cont'd attempts collect debt not owed
- Debt is not mine
|
|
Web |
|
|
|
| 08/11/2014 |
Yes |
- Debt collection
- Credit card
|
- Disclosure verification of debt
- Not given enough info to verify debt
|
|
Web |
|
|
|
| 08/07/2014 |
Yes |
- Debt collection
- Other (i.e. phone, health club, etc.)
|
- Cont'd attempts collect debt not owed
- Debt was paid
|
|
Phone |
Older American |
|
|
| 08/06/2014 |
Yes |
- Debt collection
- I do not know
|
- Communication tactics
- Frequent or repeated calls
|
|
Web |
|
|
|
| 07/28/2014 |
Yes |
- Debt collection
- I do not know
|
- Communication tactics
- Frequent or repeated calls
|
|
Web |
|
|
|
| 07/25/2014 |
Yes |
- Debt collection
- Non-federal student loan
|
- Improper contact or sharing of info
- Talked to a third party about my debt
|
|
Web |
|
|
|
| 07/18/2014 |
Yes |
- Debt collection
- Other (i.e. phone, health club, etc.)
|
- Disclosure verification of debt
- Not given enough info to verify debt
|
|
Web |
|
|
|
| 07/16/2014 |
Yes |
- Debt collection
- I do not know
|
- Improper contact or sharing of info
- Contacted me after I asked not to
|
|
Web |
|
|
|
| 07/14/2014 |
Yes |
- Debt collection
- I do not know
|
- Cont'd attempts collect debt not owed
- Debt is not mine
|
|
Web |
|
|
|
| 07/02/2014 |
Yes |
- Debt collection
- I do not know
|
- Cont'd attempts collect debt not owed
- Debt is not mine
|
|
Web |
|
|
|
| 07/01/2014 |
Yes |
- Debt collection
- I do not know
|
- Communication tactics
- Frequent or repeated calls
|
|
Web |
|
|
|
| 07/01/2014 |
Yes |
- Debt collection
- Credit card
|
- Cont'd attempts collect debt not owed
- Debt was paid
|
|
Web |
|
|
|
| 06/24/2014 |
Yes |
- Debt collection
- I do not know
|
- Cont'd attempts collect debt not owed
- Debt is not mine
|
|
Web |
|
|
|
| 06/24/2014 |
Yes |
- Consumer Loan
- Vehicle loan
|
- Problems when you are unable to pay
|
|
Web |
|
|
|
| 06/23/2014 |
Yes |
- Debt collection
- I do not know
|
- Communication tactics
- Frequent or repeated calls
|
|
Web |
|
|
|
| 06/23/2014 |
Yes |
- Debt collection
- Other (i.e. phone, health club, etc.)
|
- Disclosure verification of debt
- Not given enough info to verify debt
|
|
Web |
|
|
|
| 05/21/2014 |
Yes |
- Debt collection
- I do not know
|
- Improper contact or sharing of info
- Contacted me after I asked not to
|
|
Web |
|
|
|
| 05/19/2014 |
Yes |
- Debt collection
- I do not know
|
- Communication tactics
- Frequent or repeated calls
|
|
Web |
|
|
|
| 05/17/2014 |
Yes |
- Student loan
- Non-federal student loan
|
- Dealing with my lender or servicer
- Having problems with customer service
|
|
Web |
|
|
|
| 05/13/2014 |
Yes |
- Debt collection
- I do not know
|
- Communication tactics
- Frequent or repeated calls
|
|
Web |
|
|
|
| 05/08/2014 |
Yes |
- Debt collection
- I do not know
|
- Communication tactics
- Frequent or repeated calls
|
|
Web |
|
|
|
| 05/02/2014 |
Yes |
- Debt collection
- Non-federal student loan
|
- Disclosure verification of debt
- Right to dispute notice not received
|
|
Web |
|
|
|
| 04/30/2014 |
Yes |
- Debt collection
- Credit card
|
- False statements or representation
- Attempted to collect wrong amount
|
|
Web |
|
|
|
| 04/25/2014 |
Yes |
- Debt collection
- Other (i.e. phone, health club, etc.)
|
- Disclosure verification of debt
- Not given enough info to verify debt
|
|
Referral |
|
|
|
| 04/22/2014 |
Yes |
- Debt collection
- Other (i.e. phone, health club, etc.)
|
- Disclosure verification of debt
- Right to dispute notice not received
|
|
Web |
|
|
|
| 04/21/2014 |
Yes |
|
- Cont'd attempts collect debt not owed
- Debt is not mine
|
|
Fax |
Older American |
|
|
| 04/17/2014 |
Yes |
- Debt collection
- I do not know
|
- Cont'd attempts collect debt not owed
- Debt is not mine
|
|
Web |
|
|
|
| 04/16/2014 |
Yes |
- Debt collection
- Credit card
|
- Disclosure verification of debt
- Right to dispute notice not received
|
|
Web |
|
|
|
| 04/09/2014 |
Yes |
- Debt collection
- I do not know
|
- Communication tactics
- Frequent or repeated calls
|
|
Web |
Older American |
|
|
| 03/27/2014 |
Yes |
- Debt collection
- Other (i.e. phone, health club, etc.)
|
- Communication tactics
- Called after sent written cease of comm
|
|
Web |
|
|
|
| 03/21/2014 |
Yes |
- Debt collection
- Other (i.e. phone, health club, etc.)
|
- Cont'd attempts collect debt not owed
- Debt is not mine
|
|
Phone |
|
|
|
| 03/21/2014 |
Yes |
- Debt collection
- Other (i.e. phone, health club, etc.)
|
- Cont'd attempts collect debt not owed
- Debt is not mine
|
|
Referral |
|
|
|
| 03/20/2014 |
Yes |
- Debt collection
- Other (i.e. phone, health club, etc.)
|
- False statements or representation
- Attempted to collect wrong amount
|
|
Web |
|
|
|
| 03/14/2014 |
Yes |
- Debt collection
- I do not know
|
- Disclosure verification of debt
- Not given enough info to verify debt
|
|
Web |
|
|
|
| 02/28/2014 |
Yes |
- Debt collection
- Other (i.e. phone, health club, etc.)
|
- Cont'd attempts collect debt not owed
- Debt is not mine
|
|
Web |
|
|
|
| 02/21/2014 |
Yes |
- Debt collection
- I do not know
|
- Disclosure verification of debt
- Not given enough info to verify debt
|
|
Referral |
|
|
|
| 02/18/2014 |
Yes |
- Debt collection
- I do not know
|
- Cont'd attempts collect debt not owed
- Debt is not mine
|
|
Web |
Servicemember |
|
|
| 02/11/2014 |
Yes |
- Debt collection
- Non-federal student loan
|
- False statements or representation
- Attempted to collect wrong amount
|
|
Web |
|
|
|
| 01/27/2014 |
Yes |
- Debt collection
- Non-federal student loan
|
- Cont'd attempts collect debt not owed
- Debt was paid
|
|
Web |
|
|
|
| 01/13/2014 |
Yes |
- Debt collection
- Other (i.e. phone, health club, etc.)
|
- Improper contact or sharing of info
- Contacted employer after asked not to
|
|
Web |
|
|
|
| 01/10/2014 |
Yes |
- Debt collection
- Credit card
|
- Cont'd attempts collect debt not owed
- Debt is not mine
|
|
Postal mail |
Older American |
|
|
| 01/07/2014 |
Yes |
- Student loan
- Non-federal student loan
|
- Can't repay my loan
- Can't get flexible payment options
|
|
Web |
|
|
|
| 01/06/2014 |
Yes |
- Debt collection
- I do not know
|
- Cont'd attempts collect debt not owed
- Debt is not mine
|
|
Referral |
|
|
|
| 12/27/2013 |
Yes |
- Debt collection
- Other (i.e. phone, health club, etc.)
|
- Disclosure verification of debt
- Right to dispute notice not received
|
|
Web |
|
|
|
| 12/23/2013 |
Yes |
- Debt collection
- Non-federal student loan
|
- Communication tactics
- Called after sent written cease of comm
|
|
Postal mail |
|
|
|
| 12/18/2013 |
Yes |
- Debt collection
- I do not know
|
- Disclosure verification of debt
- Not given enough info to verify debt
|
|
Web |
|
|
|
| 12/18/2013 |
Yes |
- Debt collection
- I do not know
|
- Cont'd attempts collect debt not owed
- Debt is not mine
|
|
Web |
|
|
|
| 12/17/2013 |
Yes |
- Student loan
- Non-federal student loan
|
- Problems when you are unable to pay
|
|
Web |
|
|
|
| 12/12/2013 |
Yes |
- Debt collection
- Other (i.e. phone, health club, etc.)
|
- Cont'd attempts collect debt not owed
- Debt resulted from identity theft
|
|
Referral |
|
|
|
| 12/11/2013 |
Yes |
- Debt collection
- Credit card
|
- Communication tactics
- Called after sent written cease of comm
|
|
Web |
|
|
|
| 10/30/2013 |
Yes |
- Debt collection
- Other (i.e. phone, health club, etc.)
|
- Disclosure verification of debt
- Not given enough info to verify debt
|
|
Referral |
|
|
|
| 10/28/2013 |
Yes |
- Debt collection
- Credit card
|
- Cont'd attempts collect debt not owed
- Debt was paid
|
|
Postal mail |
|
|
|
| 10/28/2013 |
Yes |
- Debt collection
- Other (i.e. phone, health club, etc.)
|
- Cont'd attempts collect debt not owed
- Debt is not mine
|
|
Web |
|
|
|
| 10/26/2013 |
Yes |
- Debt collection
- I do not know
|
- Cont'd attempts collect debt not owed
- Debt is not mine
|
|
Web |
|
|
|
| 10/23/2013 |
Yes |
- Debt collection
- Credit card
|
- Improper contact or sharing of info
- Contacted me after I asked not to
|
|
Web |
|
|
|
| 10/08/2013 |
Yes |
- Debt collection
- I do not know
|
- Disclosure verification of debt
- Not given enough info to verify debt
|
|
Referral |
|
|
|
| 10/01/2013 |
Yes |
- Debt collection
- I do not know
|
- Cont'd attempts collect debt not owed
- Debt is not mine
|
|
Web |
|
|
|
| 09/26/2013 |
Yes |
- Debt collection
- Credit card
|
- Improper contact or sharing of info
- Contacted employer after asked not to
|
|
Web |
|
|
|
| 09/21/2013 |
Yes |
- Debt collection
- Credit card
|
- False statements or representation
- Attempted to collect wrong amount
|
|
Web |
|
|
|
| 09/10/2013 |
Yes |
- Debt collection
- Non-federal student loan
|
- Disclosure verification of debt
- Not given enough info to verify debt
|
|
Fax |
|
|
|
| 08/27/2013 |
Yes |
- Debt collection
- I do not know
|
- Cont'd attempts collect debt not owed
- Debt is not mine
|
|
Web |
|
|
|
| 08/27/2013 |
Yes |
- Debt collection
- I do not know
|
- Cont'd attempts collect debt not owed
- Debt is not mine
|
|
Web |
|
|
|
| 08/26/2013 |
Yes |
- Student loan
- Non-federal student loan
|
|
|
Referral |
|
|
|
| 08/07/2013 |
Yes |
- Debt collection
- I do not know
|
- Communication tactics
- Frequent or repeated calls
|
|
Referral |
|
|
|
| 08/05/2013 |
Yes |
- Debt collection
- Non-federal student loan
|
- Disclosure verification of debt
- Not given enough info to verify debt
|
|
Phone |
Older American |
|
|
| 07/23/2013 |
Yes |
- Debt collection
- Other (i.e. phone, health club, etc.)
|
- Cont'd attempts collect debt not owed
- Debt is not mine
|
|
Postal mail |
|
|
|