MS SERVICES LLC CFPB Complaints

2000 Latest Complaints

Date Received	Timely Response	Product	Issue	State / Zip	Submitted Via	Tags
03/29/2022	Yes	Debt collection I do not know	Took or threatened to take negative or legal action Threatened or suggested your credit would be damaged	CA 91977	Web
You are hereby in receipt of notice under the authority of the Fair Debt Collections Practices Act [ 15 U. S. Code 1692g ] regarding your above referenced file number that part, or all, of the alleged debt is DISPUTED and hereby demand validation and verification, in writing, as follows : Pursuant to [ 15 U. S. Code 44 ] PROVIDE DOCUMENTARY EVIDENCE. 1 ) An authentic signed contract between you and XXXX XXXX showing proof that you and that person and you are now or were at one time in business together and other supporting documentation that gave rise to the alleged obligation MS SERVICES is claiming owed. In pursuant to [ 16 CFR 433.1f ] 2 ) An authentic invoice for goods and/or services you provided. [ GAAP ] AUDIT 3 ) Statement, under penalty of perjury that : a. You are the bonafide party in interest of the contract and will produce said authentic signed contract ( # 1 above ) for my own and a judges inspection should there be a trial to contest these matters. b. The name and address of all persons, corporations, associations, legal firms or any other parties and entities having an interest in the collection or legal proceedings regarding the alleged debt. c. As a debt collector you have not purchased evidence of debt and are proceeding with this collection activity solely in the name of the original contracting party. d. You know and understand that certain clauses in a contract of adhesion are unenforceable unless the party to whom the contract is extended could have selectively rejected the clause. e. You will provide written verification from the stated creditor that you are authorized to act on their behalf in this debt collection action. f. You have taken reasonable and prudent diligence to verify that the amount claimed owed is in fact a legitimate debt prior to instigating this action and making said claims, and that all relevant correspondence has been reviewed prior to initiating this claim. g. You will prove that you are the original creditor, if in fact you claim to be, and that the United States XXXX Federal Reserve nor any other entity besides your organization originated these funds. XXXX ) Production of the account and general ledger statement showing the full accounting of the alleged obligation you are attempting to collect from me, signed and sworn by the person responsible for maintaining these records and having first-hand knowledge as to their accuracy and authenticity, and able to testify under oath to that effect. 4 ) Under the Truth in Lending Act pursuant to [ 15 USC 1601-1667j ] ( full disclosure ), I have a right to know who the true party of interest in this transaction is. As such, I am asking you to stipulate whether you are the holder in due course for my promissory note. If you are not the holder, then you admit to being the servicer of this obligation. 5 ) Please also stipulate for the record whether or not my loan has been securitized, and if so, the name of the XXXX my loan is bundled with. 6 ) If my loan has been securitized, then please provide me the pooling and servicing agreement that names my loan as well as any documentation that explicitly gives you the right to service my loan as well as enforce the promissory note in the event of a foreclosure. If you are hiding these facts from my despite my request, then you are hereby notified that you are committing fraud and shall be named in a wrongful foreclosure civil action. 7 ) Pursuant of U.C.C. - ARTICLE 3 -3-501 ( b ) 2 ( 1 ), I am entitled to demand presentation of the negotiable instrument. That demand is hereby ordered. I demand that you present for my visual inspection MY ORIGINAL WET INK SIGNATURE PROMISSORY NOTE This is required to establish your right of enforcement as Holder in Due Course via a chain of assignment as evidenced by the Note. Claiming to be the the holder in due course as a statement is insufficient proof of status and is/will be rejected. A photocopy of the documents is insufficient proof as it does not answer the question of who CURRENTLY is the rightful and lawful holder in Due Course. If you are unable to provide this proof as I have requested within 30 days, then you admit to not being a party of interest and can not rightfully enforce your claim under U.C.C. - ARTICLE 3 3-301. If you are unable to provide this proof as I have requested within 30 days, then you admit to not being a party of interest and can not rightfully enforce your claim under U.C.C. ARTICLE 3 3-301. 9 ) Under US Code TITLE 15 > CHAPTER 41 > SUBCHAPTER V > 1692g part b ), this debt is now officially in dispute. By law, all collection activities must cease until this matter is resolved. You are hereby given notice. Blatant disregard for this law is subject to fines by the FTC. You are advised to consult legal counsel on this matter. 10 ) I am giving you formal notice that failure to respond to this letter through a verified and validated proof of claim within 30 days as I have asked for, point for point will be taken as an administrative default. Please be advised. A COPY of the said Note nor an Affidavit of Loss or any other forms will not be acceptable. Please provide me the following : 1. A statement admitting whether you are the holder in due course or whether you are a servicer. 2. A statement admitting whether you have sold my note in a pooling and servicing agreement. This is also known as securitization. 3. The identity of the true holder in due course for my loan. If the loan has been securitized, the name of the XXXX my loan was sold to. 4. The CUSIP number under which my loan was securitized to. 5. Make available for visual inspection my original wet ink promissory note ( not a photocopy ). Please contact me in writing to arrange for an appropriate point of inspection. This is my good faith attempt to resolve this matter before I am forced to litigate against your company. I am pleading with you to resolve this matter privately and civilly as to avoid burdening our courts with this matter. If I have to, I will see you in court. Contacting me again after receipt of this notice without providing procedurally proper validation of the alleged debt constitutes a scheme of fraud by advancing a writing that you know or should know is false, with the intention that the courts and/or others rely on the written communication to impair or damage my credit rating, my reputation, my standing in the community as well as intentionally inflicting financial and emotional harm upon me. I take this notice, and my rights, very seriously and expect MS SERVICES to do the same. In the event that this debt is not validated by you, as required by the Fair Debt Collections Practices Act, you have a legal responsibility to terminate the claim and correct any negative credit reporting which may have been made in connection with this alleged debt. You may want to obtain a legal opinion on this, but I believe that would constitute a scheme of fraud if this debt were to be resold ; assuming that MS SERVICES has in fact purchased evidence of debt in this matter. I also will not respond to any future correspondence that is not signed or does not indicate who at your firm has sent the demand for payment. I expect timely responses to the above confirmations and that they be made in writing and sent via certified mail to the address listed below. Alternately, a letter from your firm that the matter has been satisfied and a copy of the letter you sent to all XXXX credit reporting agencies asking them that any adverse credit reporting relating to this transaction to be expunged by these three major credit reporting agencies immediately. Failure to provide these items shall mean your admission that you have no claim, your agreement not to report negatively to the credit bureaus, and your agreement never to contact me or the person named in your correspondence again. Included please find a Notice and Demand for Payment in case you are not able to validate the debt your assets will be given a Notice of Lien in the amount and at the interest rate of your invalidated alleged and now illegally collected debt.
04/30/2021	Yes	Debt collection Credit card debt	Attempts to collect debt not owed Debt was result of identity theft	KS 662XX	Web
Some XXXX whom I don't know at all, used my identity to open at least three credit card accounts fraudulently at XXXX XXXX XXXX XXXX, XXXX XXXX and XXXX XXXX XXXX. I didn't know this until XX/XX/XXXX when I applied for an XXXX credit card and was rejected, due to my surprised bad credit history. From that I did some research and found the above criminal identity fraud activities against me. Plus, someone used my identity to create an account at XXXX. It took me a lot of time and effort to get back my account, to prove to XXXX that the person who created an account using my information is NOT me and I am what I am, that I can prove who I am with my driver license, passport and any picture ID. Below are the actions that I have taken so far to dispute these fraudulent charges : XXXX ) I went to XXXX XXXX XXXX XXXX local branch in XXXX XXXX, KS on XX/XX/XXXX, talked to XXXX XXXX. I showed her my driver license with my current XXXX address. I told her that I have lived here since XXXX and have never lived in California. The address used on the credit card is XXXX XXXX XXXX XXXX XXXX # XXXX XXXX XXXX CA XXXX. XXXX XXXX XXXX XXXX should be able to locate this person by tracking to this address. XXXX ) I completed a consumer dispute at XXXX XXXX XXXX XXXX office that day, which XXXX told me she would submit it to the XXXX center. XXXX ) I completed a police report that evening, XX/XX/XXXX. XXXX ) I emailed the police report to XXXX on XX/XX/XXXX. XXXX ) I called XXXX on XXXX to confirm the receipt of my email with the police report. She promised me to submit the report to the XXXX center. XXXX ) I went to XXXX XXXX XXXX XXXX again on XX/XX/XXXX after receiving calls from MS Services, debt collection agent. I talked to XXXX XXXX, the branch manager. XXXX ) At the XXXX XXXX XXXX XXXX that day XXXX completed there Uniform Affidavit for Identity Theft ( UAIT ). I also called XXXX XXXX at XXXX office on XXXX. XXXX yelled at me with his masculine voice : " Pay the money or shut up! '' This is extremely disturbing to me. His yelling keeps coming back to me like a nightmare. XXXX ) I sent on XX/XX/XXXX a certified letter to XXXX XXXX, MS Services LLC ( debt collection agency ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX WY XXXX. Inside the letter, I included an identity theft crime police report, Uniform Affidavit for Identity Theft, and business cards of XXXX XXXX and XXXX XXXX. This certified mail arrived on XX/XX/XXXX. XXXX ) I received a thick envelope from MS Services, demanding for payment of {$9700.00} plus 18 % interest. The letter was sent on XX/XX/XXXX, more than a week after they received my letter. I wrote an email to both XXXX and XXXX on XX/XX/XXXX. XXXX ) I called XXXX XXXX XXXX XXXX XXXX XXXX XXXX on XX/XX/XXXX. XXXX XXXX XXXX XXXX placed me on hold for 32 minutes, without any hope of ever talking to anyone. I use a pay as you go phone. At this point, I have frozen my credit at all credit sites and have sent a fraud alert on all my accounts. My biggest headache is this debt collection agency : MS Services, who knows I am the victim of identity fraud and still keeps threatening me.
03/24/2015	Yes	Debt collection Other (i.e. phone, health club, etc.)	False statements or representation Attempted to collect wrong amount	TN 38128	Web
I agreed to a settlement arrangement on a account with a rep which I believe was name XXXX on XXXX/XXXX/2015 the settlement was for XXXX, the rep advised that he had to get it approved because it was less than XXXX %, I requested proof of the settlement ( letter/email/fax ) stating that we were agreeing to settle the account. I was advised that it could be requested from the main office and given contact information. I attempted to contact the company and keep being routed to a voicemail system. I then attempted to contact XXXX on XXXX/XXXX/2015 at XXXX and again at XXXX and was repeated sent to a voice message system on the last attempt I spoke with a women who took a message. I received a call back at XXXX, it was a missed call for me because I was at work. I attempted back on XXXX/XXXX/2015 and got a rep that I tried to ask for assist with get a letter showing the agreement that we had decided on and she blind transferred me a male by the name of XXXX XXXX who then basically screamed on the phone that since I requested proof of settlement offer that the offer was off the table and that I needed to pay what I owed or else. I tried to explain that I just needed proof for my records and he keep yelling over me I asked for a manager and he said that he was the manager and that I could n't speak with anyone higher and then hung up. I called back to get a new rep and he answer and hung up at XXXX I tried calling back again at XXXX and XXXX and no one answered the telephone. I then search on line to see what company this was and called another XXXX number and a woman by the name of XXXX XXXX answered and listen to the issue and placed me on hold the line was then picked up by a XXXX XXXX and he just yelled into the telephone what do you want and I was surprised that I had been transferred and was like huh, he said you called here what do you want, I advised that I would try call XXXX XXXX back and he hung up. I did call her back and ask could she just send me a letter of review the process and she advised that she could n't help because I was not her rep. I asked for the owner and was advised the he was out but she did give his name a different XXXX XXXX than I spoke with and sais she would give him the message for request for a return call. I then got a call from XXXX from a gentleman that did n't provide his name but basically stated " they will not settle with me now since I want them to jump through hops '' by asking for a letter of the arrangement of settlement. Then he disconnected the call. I am only requesting the settlement letter because that would be my only proof that the account was settled and its shows in writing what we agreed to. I expressed several times that I did n't want to make a payment and then someone else tries to come after me for the remaining balance. I have no way of ensuing that this company honors the agreement if I can get something showing that we are agreeing.
07/19/2021	Yes	Debt collection Mortgage debt	Took or threatened to take negative or legal action Seized or attempted to seize your property	FL 34711	Web	Older American
On XX/XX/XXXX my husband and I refinanced a motorhome with XXXX XXXX XXXX.for the amount of {$97000.00}. Soon after, XXXX sold our loan to XXXX XXXX XXXX XXXX. My husband and I divorced in XXXX XXXX, and in our formal marital settlement agreement he kept the motorhome and XXXX XXXX XXXX XXXX took an active role in changing the registration and title into his name only. However, my online access to the account remained active, and I saw that for XXXX XXXX years there was never a missed or late payment. Suddenly in XX/XX/XXXX, I received an alert on XXXX XXXX of derogatory information on my credit report. I investigated enough to find out that XXXX XXXX XXXX XXXX indicated a default and repossession. I was shocked, as the payments were still completely up to date. I can not be in communication with my ex-husband for my own safety, so I attempted to get information from XXXX XXXX XXXX XXXX, who at first would not give me any information. After numerous attempts, I finally reached someone who advised me that the motorhome was repossessed and had already gone to auction! I asked why I was never advised before this happened, and they claimed they didn't have my information. This is clearly a lie, as every document they produced had my correct address, and they also verified a correct phone. They then told me they would send me an explanation of deficiency when it was prepared. I advised that I would have taken over the payments to keep the motorhome, had I been contacted, but it was now too late. I never heard any more from XXXX XXXX XXXX XXXX, but on XX/XX/XXXX, I received a demand letter for {$33000.00} from MS Services, a collection agency. When I wrote back to MS , requesting evidence of this debt, I was sent documentation indicating that XXXX XXXX XXXX XXXX basically " gave away '' this {$60000.00} motorhome at auction for {$26000.00}, and now will sue me for the {$33000.00} balance owed. In that same documentation, XXXX XXXX XXXX XXXX indicated my correct address on every page, yet they mailed both the Notice of Plan to Sell Property and the Explanation of Deficiency and Demand for Payment to some PO Box in XXXX, Florida. I never received any information on this, yet the collection agency seemed to find my correct address with no problem. I am a XXXX XXXX on social security now being victimized by this bank, who sold this property they claim is my responsibility without allowing me the opportunity to claim it, and now is demanding tens of thousands of dollars for something I can not own.
02/07/2023	Yes	Debt collection Other debt	Took or threatened to take negative or legal action Seized or attempted to seize your property	GA 30040	Web
I received XXXX letters from XXXX XXXX XXXX XXXX dated XX/XX/XXXX. XXXX I received on XX/XX/XXXX the other on XX/XX/XXXX. I have a RV loan with XXXX XXXX XXXX XXXX. I had missed the XXXX day deadline stated in the letter due to the mail. Why was not a signature required with the importance of this letter? It should be the date I received the letter, not date it was typed. Both letters were postmarked XXXX, XXXX. Because I did not respond within the XXXX days of the date of the letter, the Recovery Department of XXXX XXXX XXXX XXXX ( XXXX XXXX XXXX, XXXX XXXXXXXX XXXX XXXXXXXX, XXXX ) turned my account over to debt collector MS Services ( XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX. XXXX ) I am currently disputing this issue with MS Services. The amount the are stating is the amount owed over the course of the loan, not the outstanding balance. If I do not pay the loan amount, there will be re-possession. I have asked both parties to reverse the action to have my account back to XXXX XXXX XXXX. I am currently making payments towards the outstanding balance to the bank. The Recovery Department stated they could not help the mail. I lost XXXX days just getting it to XXXX. I live in XXXX. In the meantime, I was sending emails to XXXX customer service. I was receiving blanket responses with department phone numbers. I was inquiring about speaking with someone of authority. It never happened. I spoke to XXXX members of the Recovery Team XXXX times. XXXX agent said other people had the same issue with the letters. I feel the issue could have been resolved that day. They told me they are in contract with MS Services and no way of getting out of it. I know with due diligence and getting the right parties involved, this can be reversed. Thanks for your assistance!
07/16/2021	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	CA 95624	Web
ON XX/XX/2021, I APPLIED FOR A CAR LOAN AT A LOCAL CAR DEALERSHIP. AFTER THEY RAN MY CREDIT REPORT, I WAS TOLD BY SALES REPRESENTATIVE THAT ALL THREE CREDIT BUREAUS SHOWED TEN NEGATIVE ACCOUNTS OPEN. AFTER CAREFULL REVIEW OF MY CREDIT REPORT, I WAS AWARE I AM A VICTIM OF INDENTITY THEFT. THE INFORMANTION LISTED BELOW, WHICH APPEARS ON MY CREDIT REPORTS, DOES NOT RELATE TO ANY TRANSACTIONS THAT I HAVE MADE. IT IS THE RESULT OF IDENTITY THEFT. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MI XXXX ORIGINAL CREDITOR NAME : XXXX XXXX XXXX XXXX {$160.00} XXXX XXXX XXXX XXXX. XXXX XXXX XXXX, FL XXXX ORIGINAL CREDITOR NAME : XXXX XXXX XXXX {$22.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MA XXXX ORIGINAL CREDITOR NAME : XXXX XXXX XXXX {$160.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MN XXXX ORIGINAL CREDITOR NAME : XXXX XXXX {$560.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MN XXXX ORIGINAL CREDITOR NAME : XXXX XXXX {$620.00} XXXX XXXX XXXX XXXX. XXXX XXXX XXXX, FL XXXX ORIGINAL CREDITOR NAME : XXXX {$120.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, VA XXXX ORIGINAL CREDITOR NAME : XXXX XXXX {$25.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, NY XXXX ORIGINAL CREDITOR NAME : XXXX {$70.00} XXXX XXXX UNKNOWN ADDRESS {$44.00} XXXX XXXX UNKNOWN ADDRESS {$0.00} I AM A VICTIM OF IDENTITY FRAUD/THEFT THEREFORE, I DEMAND THAT THESE ACCOUNT ( S ) BE CLOSED, BLOCKED, AND REMOVED FROM MY ENTIRE CREDIT BUREAU PROFILE IMMEDIATELY. ANY HESITATION IN REMOVING THESE FRAUDULENT ACCOUNTS FROM MY CREDIT PROFILE WILL RESULT IN LEGAL ACTION TAKEN AGAINST YOUR COMPANY
05/20/2022	Yes	Debt collection Credit card debt	Attempts to collect debt not owed Debt was result of identity theft	NY 11231	Web	Older American
I started disputing XXXX XXXX XXXX XXXX credit card charges around XX/XX/XXXX. I did all things that I could think of, including filing a police report, calling the bank, going to the local branch XXXX XXXXXXXX XXXX XXXX XXXX three times, filing two more reports at the local branch, filing complaints against both XXXX XXXX XXXX XXXX and its collection agency, which was consuming both time and money wise, as I am using a XXXX phone. It is also a very mentally agonizing experience to me. The credit card was opened using a XXXX address. I explained to the world that I have never lived in XXXX and have been living in XXXX XXXX XXXX. We moved to the XXXX XXXX XX/XX/XXXX. Plus, they sent me the charge statement, which shows that all the online shopping was done and shipped to a XXXX address. It's an easy fix -- go to that address and ask who live there during the period these charges were made! Instead, XXXX XXXX XXXX XXXX chose to victimize me by ruining my credit when they sent this to the credit report companies like XXXX, XXXX, and XXXX. I'm first a victim of an identity theft, then a victim of places like XXXX XXXX XXXX XXXX. I told them that I can prove that I have been living in XXXX all these years, never lived in XXXX. Still they refuse to take this nasty report from credit report companies. XXXX XXXX XXXX XXXX needs to come up with a hard evidence to show that I'm the person who opened a credit card account, used the card without paying a cent. Otherwise, it is worse than ruining a person 's life.
02/04/2021	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 Their investigation did not fix an error on your report	MO 64052	Web
After reviewing my credit report I notice several errors and I begin to dispute them with XXXX each time the company has come back to me stating that the information has been verified as accurate. I then sent 3 separate certified letters to XXXX requesting them to provide me with information as to how the information has been verified but all of my request have been ignored. I have disputed these following accounts for the following reasons as well as provided documentation to verify the information as being incorrect but yet all they have done is continue to list these accounts as verified. XXXX XXXX - XXXX shows that this account was written-off for bad debt in the amount of {$20000.00} with a past due amount of {$7100.00} written off in XX/XX/XXXX which is incorrect. They have the terms listed as 78 months which is incorrect it is 75 months. I have also asked for verification documents for the following accounts : XXXX XXXX XXXX they have the account opening date listed incorrectly. MS Collection Services- they keep allowing this company to change the amount even after requesting validation documents that have not been provided from both XXXX and these creditors. All of my request have been ignored. My rights have been violated under the FCRA. I am requesting immediate removal of these accounts. This has caused severe harm to my credit as well as caused me to lose my XXXX XXXX XXXX XXXX with several companies.
08/16/2020	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt was paid	TX 790XX	Web
Due to Clovid-19, we are having difficulty paying our mortgage. I called our loan company, XXXX to refinance. I was advised on both my husband & I need to get some debts taken care of. I can't pay the debts as I'm having difficulty paying my mortgage. A loan processor @ XXXX said if I get a letter from the credit company 's saying " If I pay debt in full, it will be taken off my credit report. XXXX XXXX on my husbands credit report sent me a letter saying this. My debt company M.S. Services, L.L.C. will not give me such letter as they say, " due to their contract with XXXX XXXX XXXX XXXX, it will stay on my credit report as PAID IN FULL ''. My debt was {$150.00} and I paid it in full on XXXX XXXX. They still will not give me such letter. I have called M.S. Services MANY time and have asked for a supervisor. They have been in meetings and have NEVER returned my call. I called the bank where I was delinquent and was transferred to many departments and on hold ALL morning. I have asked for their collections dept. and no one can find any debt sent out. I asked for manager and had to leave message. NO return calls. Please please please help me remove this debt from my credit report. Thank you I can not refinance my AmeriHome loan because I need a letter from M. S. Services, L.L.C. saying " If I pay this debt in full it will, it will NOT be reported to the credit company 's.
06/10/2016	Yes	Debt collection Credit card	Communication tactics Threatened to take legal action	IA 52241	Web
Large collection balance with original creditor XXXX XXXX XXXX XXXX for original charged off balance of XXXX. Written notices mailed to address in XXXX and XXXX 2015 did not include notice of rights to dispute or appeal debt or propose settlement arrangements. Debt collectors would not accept money orders or cashier 's checks for continued payment plan, and pushed for series of post-dated checks on large debt. Unwilling to work out settlement with lower interest rates. Letter dated XXXX XXXX, 2015 states " failure to respond by XX/XX/2015 may result in the initiation of asset information review, which may be used by management for the purpose of suit evaluation. This inquiry may include verification of your non-exempt property, funds and/or wages, where applicable, as provided by law. '' At the time of letter this collector had not given any right to cure letter or any certified legal statement that showed court granting of them to take this action. Nor did this statement have any language or heading stating " notice of right to cure. '' This violates Iowa Fair Debt Collection Practices Act that states " a debt collector shall not use.. .misleading.. .means to collect a debt... [ including ] or a representation which tends to create a false impression of the character, extent or amount of a debt, or of its status in a legal proceeding. ''
04/20/2021	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt is not yours	CA XXXXX	Web
XXXX - Received collection letter from MS Services LLC in regards to XXXX XXXX XXXX XXXX - CHECKING OR, Amount Due {$5000.00}, Account # XXXX. XXXX - Sent Response notifying XXXX XXXX to CEASE & DESIST collection attempts, Validate debt and not to report to the credit bureau reports since debt is not valid. XXXX XXXX has been reporting to bureau 's since XXXX??? XXXX Confirmation # XXXX XXXX XXXX XXXX XXXX XXXX XXXX - NO RESPONSE FROM XXXX XXXX XXXX - Sent SECOND letter notifying XXXX XXXX to Validate debt and not to report to the credit bureau reports since debt is not valid. XXXX XXXX has NOT removed reporting to credit bureau. XXXX Confirmation # XXXX XXXX XXXX XXXX XXXX XXXX XXXX - NO RESPONSE FROM XXXX XXXX XXXX - Sent THIRD letter notifying XXXX XXXX to Validate debt and not to report to the credit bureau reports since debt is not valid with notice of intent to file a complaint with the FTC. XXXX XXXX has NOT removed reporting to credit bureau. XXXX Confirmation # XXXX XXXX XXXX XXXX XXXX XXXX XXXX - NO RESPONSE FROM XXXX XXXX XXXX - Sent FOURTH letter notifying XXXX XXXX that a complaint has been filed with the FTC and not to report to the credit bureau reports since debt is not valid. XXXX XXXX has NOT removed reporting to credit bureau. XXXX Confirmation # XXXX XXXX XXXX XXXX XXXX XXXX
07/28/2020	Yes	Debt collection Other debt	Written notification about debt Didn't receive enough information to verify debt	CA 93263	Web
My husband contacted this company to request more information about the debt they are collecting, since we never received any collection notice is not easy to pay the bill without knowledge what is it for. He spoke with a representative named " XXXX '', he explained he wanted to pay if bill but is very unfair that we never had the chance to pay it or dispute it before it goes to collections, she said I paid {$25.00} dollars in the past, but paid it because the collector pushed and threated ME very bad to make payments. He explained I want to pay the bill but I wanted to request a validation of debt, She claims that they mailed some validation on XX/XX/2020, and do not have a mail returned, He clarified we have some problems with the mailboxes and some mail just disappears, so I was asking for a validation by email, fax or mail but I was wondering to know what I was paying for. The representative very unprofessional said she won't send a new validation just because they mailed once but my husband already explained we didn't received. Asked for a manager but she ended disconnecting the call. I am just asking for a validation of debt because this collections is coming from a checking account and is very confusing for me to know what the bank is collecting.
06/01/2021	Yes	Debt collection Other debt	Written notification about debt Didn't receive enough information to verify debt	OH 439XX	Web
Recently went to check my credit score on XXXX. Upon doing so I discovered a report on my credit report for unpaid tuition, not a student loan, at my local community college. I called the number and requested verification of the debt because I do not believe it is mine. My parents chose to enroll me for my senior year, while I was still a minor. They asked me to give them my address. I stated that I would not, but that I would give them an email. The representative stated that the company did not use email. In response I said that they were required by law to provide me verification of the debt in writing and the email qualified as in writing, on the other hand I am not required to disclose information to them. I was hung up on by the representative. I called back and was told I would receive a call from the supervisor. At this point I have received no call. The company is blatantly refusing to provide verification of the debt. In addition I have received no documentation from them whatsoever. The only reason I know about the debt is because I checked my credit score.
12/24/2020	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt was paid	CA 94103	Web
MS XXXX Services is making my life miserable. I want to write you about the following account : Account number : XXXX, date Opened : XX/XX/2020, high credit {$2400.00}. Violations committed by this company to the Rosenthal Act of California Credit Reporting Act that your company has committed : 1. Unfair business practices : Using an automated dialing system 2. Failing to mark account as disputed. 3. intrusive and ambiguous voice messages. 4. Re-aging account. ( Serious violation because it kills my credit score ). 5. Reporting incorrect first delinquency date. 6. Negligence. 7. Failure to provide customer adequate customer service. 8. Failing to register in the California and Wyoming Secretary of State. 9. inconsistent report across bureaus. All I want is a fair solution to this issue. I want the item removed from all three credit reports as a compensation for all the damages that they have caused me. i am not able to get a home and I've been through emotional stress too. I ask that you send the attached documentation to the company. Thank you.
01/14/2020	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Account status incorrect	CA 93035	Web
MS SERVICES LLC, acct.no.XXXX, A collector for original creditor, XXXX XXXX XXXX XXXX is wrongfully appearing on the BIG 3 credit bureau reports and possibly others.This can only be interpreted as a secondary level of extortion.ALL OF THE DEBT evolves from a @ XXXX dollar deposit not credited in a timely manner according to the banks disclosure booklet, resulting in more than 10 @ XXXX dollar check bounce fees on many small items of approximately {$4.00} to {$10.00} dollars each.By not crediting the deposit made hours before the proper disclosed business cutoff, and taking their time to credit the deposit which paid overnight, the unscrupulous bank self-generated about {$350.00} dollars in fees.FEDERAL RESERVE GUIDELINES FOR HOLDS WERE NOT FOLLOWED SO THAT THE BANK WHICH RECEIVED A DEPOSIT THAT PAID IMMEDIATELY COULD SELF-GENERATE XXXX DOLLARS IN FEES.THE ERROR PRONE, UNSCRUPULOUS BANK HAS NOW TURNED THEIR ILLICIT GAME OVER to the collector, MS SERVICES LLC who credit damages me in their extortion attempt.
02/19/2021	Yes	Debt collection Other debt	Written notification about debt Didn't receive enough information to verify debt	CA 933XX	Web
I am currently XXXX and unable to work or secure full time employment. I am attempting to resolve a few issues on my credit report so I can relocate though a low income housing program offered through the XXXX XXXX XXXX. I am being represented by a credit counseling agency and on XX/XX/2021 they attempted to contact MS SERVICES LLC on my behalf to pay this resolve this debt on my behalf. I was literally in the office with them when they made the call and they refused to cooperate with my representative. This type of behavior is unacceptable from a professional debt collection agency that they claim they are. I will be contacting there client, XXXX XXXX XXXX XXXX and ensure that they are fully aware what kind of 3rd party company they are associating themselves with. We were simply calling to confirm the nature of the debt and pay it using the housing authority funds allocated for me through the homeless initiative. Why does a debt collector not want to collect debt?
04/02/2018	Yes	Debt collection Private student loan debt	Written notification about debt Notification didn't disclose it was an attempt to collect a debt	WY 825XX	Web
Salutations! I was wondering in the State of Wyoming, can collection agency re insert the same debt twice? I noticed this on XXXX XXXX, it was listed under two different names, MS LLC, and XXXX. Then in a about a month both disappeared from my credit score. Shortly after these events which was around XX/XX/XXXX. The amount was {$420.00}. I made arrangements with the company MS Services LLC, XXXX XXXX XXXX XXXX # XXXX, XXXX, WY XXXX to take {$110.00} per month electronically out of my bank account starting XX/XX/XXXX, and the have been doing so since then and my balance is down to {$110.00} as of today. On XX/XX/XXXX I got a notification from XXXX XXXX that the same collection agency MS LLC put a re insertion report for collections in the amount of {$110.00}. Is this legal? Can you investigate this? Do I need report them to the Consumer Financial Protection Bureau? Thank you for your time! Sincerely Yours XXXX XXXX
06/08/2016	Yes	Debt collection Other (i.e. phone, health club, etc.)	Disclosure verification of debt Not given enough info to verify debt	CO 812XX	Web
I called and they did not give me much information on the debt at all. after finally doing some research I called them back and decided to pay the debt in full. they would only do a transaction by me giving them my routing number and account number which they would make a check out in my name to pay off the debt. It if very dangerous to give out your routing number and account number. I paid them off in full and then they refused to give me any kind of transaction record or receipt. they claimed they will only send it out by mail only after everything has cleared which can take up to 30 days to receive a mailed receipt. they were very rude and unprofessional. I do not agree with the way they handle business and do not think they should be able to conduct business this way or business at all in the future. all I want is some proof of a transaction since I am giving them my account number and routing number.
05/28/2021	Yes	Debt collection Credit card debt	Attempts to collect debt not owed Debt was paid	CA 95687	Web
MS Services// XXXX XXXX XXXX XXXX payment confirmation # XXXX I paid my account in full and the collection company is not willing to delete my account from the bureaus. Other companies either delete after paying in full or have claimed the same that they do not delete but do in fact delete when a CFPB complaint is filed. its not right to the consumers who faithfully pay there debt in full hoping to clear their bad credit history in order to regain their life back. And the average person doesnt even know about the CFPB. So they stay stuck with the bad history. Its just not right for companies like these to not delete just because they choose not too. And we wonder why there is so much poverty and homelessness in the community. Something needs to change ... ... ....
11/02/2019	Yes	Debt collection Credit card debt	Attempts to collect debt not owed Debt was result of identity theft	CA 91764	Web
This kind of account is placed as a charged off account, be sure to inform me precisely why there's a balance indicating on the document whether it's a charge off? The balance is, in fact, wrong, please make sure to reverse it to XXXX or remove the item fully. Please also produce documentation to verify all the charges and credits in this supposed account that caused the extremely high credit figure you might have displaying on my account. My demand to present this records is a standard information demand in accordance with my rights honored within the fair credit billing act. If you fail to give these details per my civil rights petition, please make sure you quickly remove this specific wrong posting.
11/06/2020	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt was result of identity theft	FL 32606	Web	Servicemember
On XX/XX/2019, a collection was wrongfully and unknowingly opened on my credit account with a balance of {$490.00} by MS SERVICES, LLC. I contacted the creditor, XXXX XXXX XXXX XXXX, about the situation and they told me they had no such account under my name/information. I then reported it to XX/XX/XXXX only to be told that the " Disputed information was verified as accurate '', which is false because I have never had an account with XXXX XXXX XXXX XXXX or MS Services LLC. I then found that MS Services LLC has had a history of incorrectly putting collections on credit accounts and refusing to give information/giving false information about the accounts and debts owed to the individuals it has affected.
11/01/2019	Yes	Debt collection Credit card debt	Attempts to collect debt not owed Debt was result of identity theft	NV XXXXX	Web
This kind of account is placed as a charged off account, be sure to inform me precisely why there's a balance indicating on the documentwhether it's a charge off? The balance is in fact wrong, please make sure toreverse it to zero or remove the item fully. Please also produce documentationto verify all the charges and credits in this supposed account that caused tothe extremely high credit figure you might have displaying on my account. Mydemand to present this records is a standard information demand in accordance withmy rights honored within the fair credit billing act. If you fail to give thesedetails per my civil rights petition, please make sure you quickly remove thisspecific wrong posting.
01/15/2022	Yes	Debt collection Credit card debt	Attempts to collect debt not owed Debt was result of identity theft	CA 92335	Web
No information given regarding account. Violates federal 15 USC 1692gf and 15 USC Section 1681 ( i ). The bureaus have it reporting different pricing and multiple inaccuracies. I never authorized or given permission for this to be reporting. its been 2 months and no information given. No medical release to collect on this debt either No information given regarding account. Violates federal 15 USC 1692gf and 15 USC Section 1681 ( i ). The bureaus have it reporting different pricing and multiple inaccuracies. I never authorized or given permission for this to be reporting. its been 2 months and no information given. No medical release to collect on this debt either
01/30/2021	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	AZ 85035	Web
XXXX XXXX XXXX XXXX & MS Services LLC are reporting a debt of XXXX I was XXXX and forcefully removed from my place of living in XXXX and was homeless from XX/XX/XXXX THROUGHOUT XXXX AND XXXX TILL XX/XX/XXXX. They are passing the buck on the consumer whom has already suffered enough. I have found over 8 fraud accounts on my credit including this one. I had NO access to any online accounts or home or internet access ( infrequently ) during my homeless bought. I filed fraud claims online on identitythieft.gov and with XXXX faxing in a document today by a bank manager. When I call MS Services they refer me to XXXX when I go to XXXX they send me to MS SERVICES.
01/06/2016	Yes	Debt collection Other (i.e. phone, health club, etc.)	Cont'd attempts collect debt not owed Debt is not mine	TN 38016	Web
I have a collection that 's been showing on my XXXX and XXXX report for a while that is not mine. I disputed through XXXX, and receive a verdict that they were unable to verify this was mine, and they agreed to remove trade line from CRA 's in 2012. They are still on today and disputes did not work with XXXX or XXXX, and Collection Agency is not acknowledging the letter they send agreeing to remove from my reports. The tradeline on reports is Mountain State Adjustment, they also go by MS Services & XXXX it looks like. Please help me get this resolved, it 's making it hard for me to get an affordable rate on a vehicle for my family.
09/10/2022	Yes	Debt collection Credit card debt	Attempts to collect debt not owed Debt is not yours	CA 90807	Web
On XX/XX/22 I noticed a collection from this company on my credit file. i sent them a letter informing them that im am not responsible for that account and it is not mine..I requested them to delete the inaccurate information they have failed to do so. i called into the dispute center alerting them of the fraud and was told they will send affidavit but that was never sent. i have now on XX/XX/22 sent out another letter by certified mail to have this inaccurate account removed from my credit. In addition I never gave ms services llc my consent to have my personal information or authorization to report this to my credit report.
06/18/2022	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	UT 84041	Web
There were XXXX duplicate collection accounts placed on my credit report in XXXX 2022. The reporting agency used a different name to report duplicate collections that have the same account numbers and amounts. I feel like this is frivolous and fictitious and is damaging to my credit. Ive been denied a loan due to this. Ive disputed twice once in XX/XX/2022 and once in XXXX 2022. The items remain on my report. Ive contacted the reporting agency on XX/XX/2022 and have not resolved the issue. I would like these removed from my report and them held liable for their misconduct. The company is MS Services.
04/01/2020	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 Difficulty submitting a dispute or getting information about a dispute over the phone	NC 288XX	Web
My bank, XXXX XXXX XXXX XXXX, allegedly submitted a collection to MS Services in the amount of {$150.00}, but I do not owe the bank any money. The bank denies submitting the claim to the collection 's agency and my final statement clearly shows a zero balance and that I do not owe anything. Especially given the times, I am unable to open a bank account or get a credit card and need this matter fixed immediately. I sent the collections agency a letter, as they were extremely rude and would not work out the oversight over the phone on XX/XX/2020 and I would really appreciate some assistance.
07/14/2022	Yes	Debt collection Auto debt	Took or threatened to take negative or legal action Threatened or suggested your credit would be damaged	NV 89048	Web	Older American, Servicemember
My husband and i bought a XXXX XXXX in XXXX, after his death and life insurance i was able to continue with payments. I remarried in XXXX, but he died XXXX, now leaving me with house payment, car payment and RV payment on a low limited income. I wasn't able to continue with all the bills and payments. Talked to the bank and they agreed to pick up the RV. Told the bank I could not make the requested amount monthly payments. They in turn sent me to collections, stating i owe {$20000.00}. I do not know what I should do. Must I file for bankruptcy? My home was XXXX last XXXX. I am a widow.
08/26/2022	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	NV 891XX	Web
On XX/XX/2019 MS SERVICES LLC added a derogatory mark on my credit report per XXXX. upon further research, this account was transferred/sold and i am no longer responsible for the account. debtor creditor did not verify this collection. also 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 its mines. according to the FCRA MS SERVICES LLC has violated my rights as a consumer and i'm requesting legal action to remove this account immediately
08/12/2022	Yes	Debt collection Credit card debt	Attempts to collect debt not owed Debt was result of identity theft	PA 191XX	Web
XXXX XXXX a thief opened up an account at XXXX XXXX XXXX XXXX. I recently checked my credit history and I was reportedly charged {$900.00} dollars and XXXX cents. I called the collections agency MS services LLC. They provided me with some information. They told me that they have an address on file in the city of XXXX California that I never lived at. I also tried calling XXXX XXXX XXXX XXXX to dispute this. I called XXXX to file a dispute charge on this. Please help me clear this.
10/12/2015	Yes	Debt collection Other (i.e. phone, health club, etc.)	Improper contact or sharing of info Contacted employer after asked not to	WY 824XX	Web
On multiple occasions, MS Service of XXXX WY have tried to contact me at work. Not only do they not verify who they are speaking to before they tell who they are, but they have been told on numerous occasions ( the most recent being today XXXX/XXXX/15 at XXXX XXXX ) not to call at work. The women who calls even started the conversation with I know you told me not to call at work so I will be quick. They havent even sent letters or called my home phone, just harassed me at work.
01/03/2022	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt was result of identity theft	CA 93305	Web
Hi I would like to give thanks ahead of time for helping resolve my problem. The issue is with XXXX XXXX XXXX XXXX I have send this company a letter for them to dispute the account that was opened fraudulent and I send a letter of report from identity theft, and also a police report. They have not removed it from my credit report and they send me a letter stating that the account was accurate. Please help me solve this issue with this company.
07/25/2020	Yes	Debt collection Credit card debt	Written notification about debt Didn't receive notice of right to dispute	CO 80219	Web
I had disputed with this company several times. I first asked for validation of the debt and they sent me the debt information from XXXX XXXX XXXX XXXX for the amount of {$200.00}. I was a former customer with XXXX XXXX XXXX XXXX. I then sent them a certified mail for pay for delete to dispute the debt and they completely ignored me!! This debt does really hurt on my credit report!! I need them to help me dispute this them and not being rude.
03/27/2022	Yes	Debt collection Other debt	False statements or representation Attempted to collect wrong amount	CA 94531	Web
This Item has been deleted from the other two credit bureaus such as XXXX and XXXX because this debt is not been validated or verified by MS services or by the original creditor XXXX XXXX XXXX XXXX even after I attempted to validate by asking for a statement or original contract bank states account is too old and they don't have that document. And MS services keeps adding interest to the original balance that has not been verified.
10/18/2019	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	NV 89113	Web
On XX/XX/2019 I filed complaint number XXXX against XXXX XXXX XXXX XXXX. None of the actions described in their response received XX/XX/2019 have been honored. Instead XXXX XXXX XXXX XXXX sent me to the collection company MS Services. MS Services is incorrectly reporting my checking account as a loan with late payments. All my attempts to contant XXXX XXXX, the XXXX representative named in the reponse letter, have failed.
07/15/2020	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	CA XXXXX	Web
A couple of months ago. I contacted Mountain states collections company and I paid the bill in full for my XXXX XXXX XXXX XXXX Account. I have contacted XXXX 2 times and they have stated that the information is valid and that the account has been unpaid and they continue to document this inaccurate information. I have sent documentation of the status of the account being paid off. Please help me fix getting this removed.
01/07/2022	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt is not yours	CA 91335	Web
On XXXX XXXX MS Services LLC Collections started reporting to all 3 credit bureaus that I owe them {$690.00}. I have no contract with this company. MS Services purchased my personal information from XXXX XXXX XXXX XXXX Checking OR without my knowledge or permission. They are in violation of 15 usc 1692 and 15 usc 1681. Further more on the collection it states that it was {$630.00} and as of now it is {$690.00}.
01/04/2022	Yes	Debt collection Other debt	False statements or representation Attempted to collect wrong amount	WV 261XX	Web
MS Services LLC has been harassing me and holding my credit file XXXX. They're attempting to collect {$350.00} from me for a debt I do not owe. They have not provided the original signed contract and refuse to remove the debt from my credit file. Due to them negatively affecting my credit I have been refused auto loans and credit accounts and have suffered many other damages due to their negligence.
03/28/2021	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	CA 94089	Web
XXXX XXXX Account number XXXX Account status Closed Date opened XX/XX/XXXX MS SERVICES LLC Original creditor : XXXX XXXX XXXX XXXX - CHECKING OR Account number XXXX Collection opened XX/XX/XXXX So I have already reach out to both companies to let them know these accounts were never mine. Ive send in proof but neither has responded in over 2 years.
04/07/2023	Yes	Debt collection Other debt	Communication tactics You told them to stop contacting you, but they keep trying	SD 577XX	Web
I advised them to contact me via in writing and disputed the debt XX/XX/XXXX. They contacted me again via phone in XXXX and was rude and hung up when I advised them of the violation. This debt was valid in writing at all. The only thing I have received is a bill no validation of the debt at all and they have reported it.
06/03/2021	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt was paid	SD 575XX	Web
Mountain States Adjustment appears on my credit reports for a amount of {$140.00} owed to XXXX XXXX XXXX XXXX XXXX as a result of excessive fees on a ATM withdrawal of {$20.00}. I paid the amount to XXXX XXXX XXXX XXXX and do not wish to pay this amount again to this third collection agency.
09/18/2021	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	CA 936XX	Web
MS SERVICES IS REPORTING INCORRECT INFORMATION... IVE NEVER RECEIVED ANY BILLS FOR THIS OR NOTIFICATION. THIS INFORMATION WAS DELETED FROM MY OTHER CREDIT REPORTS AND I WANT IT REMOVED FROM MY XXXX REPORT!!! IVE TRIED SEVERAL TIMES NOW DISPUTING IT WITH PROOF AND STILL WON'T REMOVE IT.
10/07/2021	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 Their investigation did not fix an error on your report	CA 95670	Web
I do not recognize this account. The information regarding this account fails to report completely. I do not see the monthly payment, terms, credit limit, past due, and date of last payment being reported. Please provide the information or take this account off of my credit report.
04/23/2021	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt is not yours	IA 515XX	Web
Ive disputed several times under the premise of no contract with that collection agency and theyve sent me statements and a document from a different company. I have no contract nor obligation to this collection company so therefore I need this deleted off of my credit report
10/14/2021	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Problem with a credit reporting company's investigation into an existing problem Their investigation did not fix an error on your report	CA 95376	Web
This is erroneous! Your agency failed to provide the monthly payment, terms, credit limit, past due, and date of last payment as it is missing from the report. It is your agencys job to investigate my dispute as it is severely affecting my scores negatively.
07/25/2020	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt is not yours	CA 93308	Web
MS Services LLC is reporting a debt that is not mine due to identity theft. I have sent a letter of validation to MS Services LLC with no response. MS Services is in violation of the Fair Debt Reporting Laws and the Fair Debt Collection Laws.
10/07/2021	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt is not yours	CA 95630	Web
I do not recall having this account or being associated with this company ever! The monthly payment, credit limit, and terms are missing from the report. I have disputed this account multiple times but it's still showing on my report.
02/04/2020	Yes	Debt collection Credit card debt	Attempts to collect debt not owed Debt is not yours	CA 91352	Web
I AM A VICTIM OF AN IDENTITY THEFT, XXXX XXXX XXXX XXXX HAS ASSIGNED THISA CCOUNT TO MS SERVICES LLC COLLECTION AGENCY. I HAVE NEVER HAD ANY ACCOUNTS AT XXXX XXXX XXXX XXXX, THIS ACCOUNT WAS OPENED FRAUDULENTLY AT XXXX XXXX XXXX XXXX
07/29/2020	Yes	Debt collection Credit card debt	Written notification about debt Didn't receive notice of right to dispute	CO 80219	Web
I called someone in the office today and her name is XXXX?? Shes very rude. Also, if your company located is is the United States, why do I have to pay the debt through XXXX XXXX?? What are other ways can I pay??
12/15/2020	Yes	Debt collection Other debt	Took or threatened to take negative or legal action Sued you without properly notifying you of lawsuit	CA 92545	Web
This account was placed with this collection agency. And I offered to pay this old debt off in full, for removal from my credit reports. This negative trade line is preventing me from obtaining a new apartment.
09/14/2020	Yes	Debt collection Other debt	Took or threatened to take negative or legal action Threatened or suggested your credit would be damaged	CO 80020	Web
There is a negative impact to my credit report due to this creditor in the amount of {$2800.00} in which I do not owe. I am not responsible for this yet I am being negatively impacted on my credit.
08/03/2020	Yes	Debt collection Credit card debt	Written notification about debt Didn't receive notice of right to dispute	CO 80219	Web
I did contacted this company named MS Services LLC. I did sent the money through XXXX XXXX for them so they can delete the negative information. Apparently, they did not.
02/26/2020	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	CA 91352	Web
BEING A VICITM OF AN IDENTITY THEFT, I HAVE BEEN SENDING MY IDENTITY THEFT REPORT TO THE BUREAUS AND ALSO TO THE COMPANY WHERE THE FRAUDULENT ACCOUNT WAS OPENED.
02/12/2020	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Account status incorrect	CA 93035	Web
MS SERVICES ACCOUNT XXXX IS APPEARING FRAUDULENTLY ON THE BIG 3 BUREAUS.THE FRAUD CREATED BY ORIGINAL CREDITOR IS EXPLAINED IN DETAIL IN THE ATTACHED DOCUMENTS.
03/05/2021	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	NJ 08876	Web
MS Services is reportinga fraudulent account on my credit. This account doesnt belong to me. I am requesting the removal of this account from my credit file.
06/20/2020	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	CA 95207	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.
10/31/2020	Yes	Checking or savings account Checking account	Problem caused by your funds being low Late or other fees	CA 91745	Web
I was charge over XXXX dollars in fees for low funds or no funds. It was sent to a collections agency and showing a negative impact in my credit.
07/21/2019	No	Debt collection I do not know	Written notification about debt Didn't receive enough information to verify debt	CA 93277	Web
MS services did not respond to my letter for debt validation with requested documentation but still reported the account to credit bureaus.
09/05/2021	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Problem with a credit reporting company's investigation into an existing problem Their investigation did not fix an error on your report	CA 95670	Web
The monthly payment, terms, credit limit, past due, and date of last payment are missing in this account.
03/25/2021	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	CA 95125	Web
I have a fraudulent collection on my credit report. MS Services LLC account number XXXX for {$280.00}
10/23/2016	Yes	Debt collection Medical	Communication tactics Frequent or repeated calls	WY 82601	Web
Called me repeatedly, did not leave message. Received XXXX calls in a row, and XXXX more in the hour.
07/06/2023	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Account status incorrect	TX 76209	Web

11/18/2022	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt was result of identity theft	CA 95828	Web

08/27/2022	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt was result of identity theft	CA 95206	Web

08/18/2022	Yes	Debt collection Credit card debt	Attempts to collect debt not owed Debt is not yours	CA 90601	Web

08/16/2022	Yes	Debt collection Credit card debt	Written notification about debt Didn't receive notice of right to dispute	CA 95482	Phone

08/09/2022	Yes	Debt collection Credit card debt	Attempts to collect debt not owed Debt is not yours	CA 94568	Web

07/29/2022	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Improper use of your report Reporting company used your report improperly	CA 93611	Web

07/08/2022	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt was result of identity theft	GA 30088	Web

06/10/2022	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt is not yours	WA 99301	Web

06/02/2022	Yes	Debt collection Credit card debt	Attempts to collect debt not owed Debt was result of identity theft	CA 94710	Web

05/05/2022	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt was result of identity theft	CA 92123	Web	Older American

04/19/2022	Yes	Debt collection Credit card debt	Communication tactics Used obscene, profane, or other abusive language	CA 93103	Web

02/15/2022	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt is not yours	CA 92879	Web

10/29/2021	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt was result of identity theft	CA 91302	Phone

08/25/2021	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	CA 91501	Web

06/07/2021	Yes	Debt collection I do not know	False statements or representation Attempted to collect wrong amount	CA 91423	Web

04/27/2021	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt is not yours	CA 95219	Web

04/10/2021	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	CA 95207	Web

03/18/2021	Yes	Debt collection Other debt	Communication tactics You told them to stop contacting you, but they keep trying	OR 97266	Web	Servicemember

03/04/2021	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt was result of identity theft	WI 54494	Web

02/28/2021	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	CA 93728	Web

02/26/2021	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	CA 94124	Web

02/04/2021	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 Their investigation did not fix an error on your report	CA 90805	Web

02/03/2021	Yes	Debt collection Other debt	Written notification about debt Didn't receive enough information to verify debt	CA 95422	Web

01/26/2021	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt is not yours	NC 28752	Web

11/28/2020	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt is not yours	AZ 85120	Web

08/19/2020	Yes	Debt collection Other debt	Written notification about debt Didn't receive notice of right to dispute	CA 92532	Web

08/19/2020	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	FL 32653	Web

05/27/2020	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt was result of identity theft	NE 68046	Web

01/29/2020	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt is not yours	CA 90007	Web

09/10/2019	Yes	Debt collection Other debt	False statements or representation Attempted to collect wrong amount	CA 92551	Web

08/15/2019	Yes	Debt collection I do not know	False statements or representation Attempted to collect wrong amount	CA 92551	Web

11/18/2018	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt was already discharged in bankruptcy and is no longer owed	TX 78832	Web	Servicemember

03/12/2018	Yes	Debt collection Federal student loan debt	Written notification about debt Didn't receive notice of right to dispute	UT 84005	Web

01/29/2018	Yes	Debt collection Medical debt	Took or threatened to take negative or legal action Threatened or suggested your credit would be damaged	MT 59101	Web

11/01/2017	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	MS 39759	Postal mail

12/05/2016	Yes	Debt collection Other (i.e. phone, health club, etc.)	False statements or representation Attempted to collect wrong amount	MS 38829	Web

10/28/2016	Yes	Debt collection Credit card	Cont'd attempts collect debt not owed Debt resulted from identity theft	CA 90232	Postal mail

10/07/2016	Yes	Debt collection Medical	Cont'd attempts collect debt not owed Debt was paid	MT 59602	Web

07/07/2015	Yes	Debt collection Medical	Communication tactics Threatened to take legal action	WY 82601	Web

01/29/2015	Yes	Debt collection Medical	Cont'd attempts collect debt not owed Debt was paid	CO 81323	Web

12/16/2014	Yes	Debt collection Auto	Communication tactics Threatened to take legal action	WV 25704	Web	Older American, Servicemember

06/23/2014	Yes	Debt collection Other (i.e. phone, health club, etc.)	Communication tactics Used obscene/profane/abusive language	TN 37130	Web

06/02/2014	No	Debt collection Medical	Cont'd attempts collect debt not owed Debt is not mine	MT 59601	Web

03/22/2014	Yes	Debt collection Other (i.e. phone, health club, etc.)	Disclosure verification of debt Right to dispute notice not received	MS 39047	Web

03/20/2014	Yes	Debt collection Other (i.e. phone, health club, etc.)	Disclosure verification of debt Right to dispute notice not received	WY 83101	Web

02/12/2014	No	Debt collection Other (i.e. phone, health club, etc.)	Disclosure verification of debt Right to dispute notice not received	MS 38672	Web