MST Financial Services, L.L.C. CFPB Complaints

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2000 Latest Complaints
Date Received Timely Response Product Issue State / Zip Submitted Via Tags
08/13/2020 Yes
  • Debt collection
  • Medical debt
  • Attempts to collect debt not owed
  • Debt was paid
  • ID
  • XXXXX
Web
1. I was contacted by Chapman Financial Services via phone regarding a debt from XXXX XXXX 2 years prior for {$24.00}. I was asked for my mailing address and gave my XXXX XXXX . ( They lied ) saying they could only send mail to a physical address. 2. I received a collection notice stating the amount owed was {$20.00} and {$3.00} in interest. NOTE : the original has no wording for interest on unpaid debt. 3. I responded to the letter denying any debt and asked for verification I also told them to Stop all other communication other than mail. 4. I later received an undated letter claiming to be a statement from the original company. In fact the paper was an incomplete accounting printout. 5. After finding the original statement and check copy I responded to CFS including the original statement showing the amount due for ( TOTAL CHARGES ) and the check copy proving the due total was paid in full. I again requested verification of the claimed debt in the form of a bill or statement 6. XX/XX/XXXX I received a call from XXXX with CFS ( against my Instruction for mail only ) 7. My husband called XXXX the same day in an attempt to get information and was told we had all the required information and was told the note in the file would read " refusal to pay '' His response was that was a lie and if the debt was accurate it would be paid if the proper documentation was provided. The response was she was going to note " refusal to pay '' ( a lie ) 8.I contacted the original company giving them my personal information. XXXX XXXX confirmed there were no outstanding debts and this particular statement was paid in full XX/XX/XXXX. 9.I responded with another letter requesting proof of debt other than a company printout. My letter has also noted to place the claim in dispute.
07/30/2017 Yes
  • Debt collection
  • Medical debt
  • Attempts to collect debt not owed
  • Debt was paid
  • ID
  • 83814
Web
Thank you for this service, it is appreciated. I had to have XXXX XXXX twice in XX/XX/XXXX, again in XX/XX/XXXX, this generated over 60 individual bills, regardless I had great insurance. My complaint is that I believe accounts are being turned over for collection regardless of payment history. In this case service was provided on XX/XX/XXXX and this invoice was for over {$2700.00} dollars and was one of a total of {$30000.00} from XX/XX/XXXX thru XX/XX/XXXX. monthly payments have been paid on all of them, the one being disputed today, payments were made on XX/XX/XXXX first invoice, XX/XX/XXXX, again on XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX and on XX/XX/XXXX and another made today XX/XX/XXXX. XXXX XXXX, without knowing an individuals financial situation demands how much has to be paid, In my opinion violating basic fundamental individual rights and ability to pay without undue hardship or threats of damaged credit, being told pay it and we will have it all removed, ( threat as defined by XXXX XXXX ) I have a perfect credit history except for the damage Chapman financial, and XXXX XXXX have done to so many here in XXXX XXXX ' XXXX Idaho in my opinion, With many of my clients sharing horror stories and about Chapman Financial and XXXX XXXX, XXXX XXXX, along with my own. I have submitted documentation of payments and they are attached, I will also obtain copies of the checks if needed., Chapman Financial company is one block away from my office and yet most of their correspondence is dated 10 days from receipt date, making it very difficult to dispute a debt in the ten business days allowed. Again it is in my opinion these practices need to be investigated even beyond my complaint. Thank you, XXXX XXXX
09/18/2020 Yes
  • Debt collection
  • Medical debt
  • Threatened to contact someone or share information improperly
  • Contacted your employer
  • ID
  • 83815
Web Servicemember
I discovered Chapman Financial Services was attempting to collect a medical debt which I believe I do not owe. I started sending Chapman Financial Services letters via certified mail back in XXXX of 2020 asking them to verify the debt with my signature ( I will attach a copy of one of the letters to this complaint for reference ), and to remove the debt if it could not be verified. They sent back a list of my accounts ( which is not verification '' ) with only one containing a signature, and the signature was not my signature, yet did not remove the debt. They have also called my wife 's employer attempting to collect this debt from me, while my wife was at work ( I will also be attaching photo evidence of this ). This incident happened XX/XX/XXXX of 2020, prior to my sending of the letters, I only recently discovered that contacting your family or their employers is a violation of the Fair Debt Collection Practices Act. My wife had to tell her boss and co-workers to tell Chapman that she does not work there anymore in case they ever called again, which was very embarrassing for my wife. On XX/XX/XXXX at XXXX a representative from Chapman Financial contacted me in regard to my letters to see if we could settle the debt. I again explained that I believed I did not owe the debt and that I sent them letters. He responded with " Yes we sent you letters back verifying the debt '', I then responded that sending me a list of accounts is not verification and that they sent me back a signature that was not mine. The representative mockingly laughed at me and responded as If I would never be cleared of the debt, which I felt was rude, offensive, and abusive.
11/01/2020 Yes
  • Debt collection
  • Medical debt
  • Took or threatened to take negative or legal action
  • Threatened or suggested your credit would be damaged
  • WA
  • 983XX
Web
While on vacation I had to visit an out of XXXX XXXX XXXX XXXX XXXX, ID because I needed an XXXX. It was a work related injury so all hospital bills went to XXXX XXXX XXXX XXXX XXXX. The imaging department of the hospital made a mistake and incorrectly billed me for {$140.00}. I called the hospital and gave them the phone number, case number, and claim representative. I never heard from them again until I received a notice in the mail followed up by a call from the debt collection company Chapman Financial Services , Inc. Once again, I explained the situation and gave the person on the phone all of the relevant information. She seemed fine with the information provided and months went by with no notice. I thought everything was taken care of and I never received another communication regarding the matter. However, recently I purchased a car and noticed that Chapman Financial Services , Inc. put a " collections '' notification on my credit report. I called them and let them know that this was a XXXX XXXX XXXX XXXX XXXX bill and that it did not belong to me. They said they were unable to get a hold of my claim agent and so the debt therefore belonged to me. They refused to look into it further and said my credit would be damaged unless I paid. I have never made a late payment in my life, so I was scared and paid them to make it go away. This isn't fair because it isn't my debt and I did nothing wrong!
09/23/2022 Yes
  • Debt collection
  • Medical debt
  • Communication tactics
  • Used obscene, profane, or other abusive language
  • ID
  • 838XX
Web
On XX/XX/22, both my husband and I were contacted by Chapman Financial regarding two medical debts owed to them by me, one of a personal nature for myself and another for our child. I attempted to set up reasonable payment arrangements for this debt to pay them off in appx 11 monthly auto payments, and was asked for my husbands employment verification which I declined to provide, as we keep our bills separate as well as our income. The representative, XXXX, spoke with her supervisor requesting the payment arrangement be approved, and was then told that it would not be allowed and payment was required in full if I would not provide his confidential information. I further pressed how I could submit payments manually, and was told they will only accept payment in full ( appx {$1700.00} ) unless I give his information to them. This is abusive, intrusive, and Im fairly sure it is also illegal, and I want their debt collection practices reported and rectified. My husband is not liable for this debt, and his income is not and should not be considered for repayment purposes, or the threat thereof. As an additional note, I have worked with this collection agency before and was never asked for this information, and paid my previous debts accordingly via auto payments.
12/10/2022 Yes
  • Debt collection
  • Other debt
  • Written notification about debt
  • Didn't receive enough information to verify debt
  • ID
  • 83835
Web
XXXX account # XXXX has been reporting a debt on my credit reports since XX/XX/XXXX. I do not recall ever receiving any communication from them about this debt. I disputed twice through the credit bureaus but each time they come back " verified '' with no documentation to back up their claim. Debt collection companies have 30 days to validate a debt. They also increase the balance of my debt each month which I know can only legally happen if the agreement with the original creditor permits interest to be billed and I have only recently been provided with one of the seven original documents. The only document I received was in XX/XX/XXXX from the first cfcb complaint I submitted. That notice didn't have a date on it at all. It listed out 7 seperate debts they are billing together and only attached paperwork for XXXXXXXXXXXX XXXX XXXX XXXX. I had no idea this debt also included XXXX debts from City of XXXX Parking or from XXXX XXXX XXXX. Again, all I received was an account number, and amount due. How is this verifying a debt? I do not agree with these debts and have never been notified they existed, that the original bills were going to be sent to collections, anything from XXXX verifying these debts, etc.
05/04/2021 Yes
  • Debt collection
  • Medical debt
  • Written notification about debt
  • Didn't receive notice of right to dispute
  • ID
  • 835XX
Web
As of XX/XX/XXXX. Received Court Summons, stating we are being sued by Chapman Financial Services. They have filed lawsuit against us for 3 accounts under the same Creditor for medical services provided. 1st account occurred XX/XX/XXXX in the amount of {$580.00} plus {$130.00} interest. 2nd account occurred XX/XX/XXXX in the amount of {$1400.00} plus {$330.00} interest. 3rd account occurred XX/XX/XXXX in the amount of {$250.00} plus {$60.00}. We have never received any notice of such collection debt from the company. Nor has the company attempted to contact us in any form, from the time of such debt occurred till this date of XX/XX/XXXX. ( 924 days ) Which goes against the Fair Debt Collection Practices Act, in which they must provide us with the option to verify and dispute such debt. We were never given the opportunity to dispute the debt, in which we would have fully disputed the amount as we have already settled this account with the creditor. Such debt was also never reported to any of the credit bureaus, therefore in a case we considered non contactable. We would have been able to identify such debt and taken action to dispute before any legal actions would be taken.
08/22/2023 Yes
  • Debt collection
  • Medical debt
  • Written notification about debt
  • Didn't receive enough information to verify debt
  • WA
  • 99403
Web
I was contacted on XX/XX/XXXX I received a phone call from Chapman Financial services. The caller did not identify that the debt they were attempting to collect was for medical debt. The caller was rude and badgering asking why I don't pay my debts. The caller then inquired about my wife 's alleged debt. I asked to communicate via email to have a clear record. I sent Chapman 3 emails ( XXXX, XXXX, and XX/XX/XXXX ) requesting they verify the debt and giving notice the debt was disputed. On XX/XX/XXXX I received a letter from Chapmans attorney that gave account numbers the name of the hospital and amounts as follows : {$810.00}, {$1200.00}, {$1400.00}, {$270.00}, {$210.00}, {$700.00}, {$1600.00}, {$1300.00}. The letter failed to meet the requirements of RCW 19.86 and RCW 19.16. while also inferring the collector would get a judgement against me. On XX/XX/XXXX I received a summons as the debt collector had filed a law suite . This collector never attempted to settle the debt and instead rushed to court. The attached letter was the only communication other than the harassing call I recieved from Chapman Financial Services, a dicvision of MST Financial Solutions
04/09/2015 Yes
  • Debt collection
  • Medical
  • Cont'd attempts collect debt not owed
  • Debt was paid
  • IA
  • 51503
Web
I had a XXXX XXXX in XXXX 2013. I had no medical coverage so I applied for grant coverage for the hospital bill. I had outside bills such as the doctor, XXXX and XXXX. I paid the bill of {$1700.00} to the XXXX. I called the phone # given to me from the collection dept. When I called that number they said they could not look me up XXXX the bill is sent to collections but if I wanted to backtrack to call the hospital. I did that but only got the answering machine and left a message. I have not heard back from them yet. Another issue is I have moved XXXX since the time of XXXX and have left forwarding addresses. I never received a bill or letter stating I owe this amount and why. I am signed up with Credit Karma and they alerted me by email that there is unfavorable activity on my credit report. That is how I found out it was Chapman Financial who turned me over to collections. I looked up their phone # online and called them. I just received a letter for the collections yesterday. What is the best way to dispute this and get it off my credit report?
09/18/2022 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
  • Was not notified of investigation status or results
  • ID
  • 83835
Web
I submitted two disputes online, one on XX/XX/XXXX and the second on XX/XX/XXXX to the credit bureaus. My rights have been violated by not doing a fair and complete investigation on these accounts and by not notifying me with the results. Two accounts on my credit report increase the balance every month. XXXX Account # XXXX Chapman Financial Account # XXXX XX/XX/XXXX, XXXX balance increased by {$1.00} XX/XX/XXXX Chapman Financial Increased {$7.00} XX/XX/XXXX XXXX increased {$1.00} XX/XX/XXXX Chapman increased {$8.00} XX/XX/XXXX Chapman increased {$9.00}, XXXX increased {$1.00} XXXX XXXX is also showing a payment was made on XX/XX/2016 when I have never verified this account nor made a payment to them. I don't believe the balances should be changing as these are collection companies, not original creditors. They are also showing a past due balance, when they are collection agencies and should not be reporting past due balances as I have never had an agreement to make a payment with them so how can something be past due?
07/09/2018 Yes
  • Debt collection
  • Medical debt
  • False statements or representation
  • Attempted to collect wrong amount
  • ID
  • 83814
Web
XXXX XXXX XXXX does collection for XXXX medical center along with a second company hired by the hospital at XXXX XXXX out of Texas that refuses to release their true name. Both have incorrect information and have been notified repeatedly. In addition they are adding fraudulent charges to incorrect information. Payments are being collected by the hospital, then both XXXX and the XXXX Texas firm are trying to collect on the same items, They have been notified in writing three times with copies enclosed. None of the information is correct and I am concerned the hospital has found a method not to be held accountable or a means to complain against them directly. In addition the XXXX Texas number calls some times 10 times a day or fifty times a week. When I ask for name they refuse and when I request current statements showing charges I am ignored and it is hurting my ability to run my business. I have XXXX debit. Thank you so much for looking into this for me, it is appreciated.
02/11/2019 Yes
  • Debt collection
  • Medical debt
  • Took or threatened to take negative or legal action
  • Threatened or suggested your credit would be damaged
  • ID
  • 838XX
Web Servicemember
I had a male call me about a medical bill while I was shopping at XXXX. He requested my Social Security number and mailing address. I refused to give him any information since I did not initiate the phone call. I thought it was a spam call. I requested a call back number and he refused and hung up the phone call. He said he was from XXXX XXXX XXXX where I have been too, but you can never be too careful. I have never ever had a late payment on my credit report or a lien or anything. Once I receive a bill I pay it. Now as of XX/XX/2019 my credit report shows a collection from XXXX XXXX XXXX in the amount of {$250.00}. My Husband and I are planning on building our Dream House this spring and my XXXX mid score dropped to XXXX which means we will not get the lowest interest rate. Please help me and advise on what to do, when I call the XXXX XXXX. XXXX, it just goes to voicemail. I have paid every bill from XXXX XXXX XXXX so I don't know who this Company is.
02/24/2017 Yes
  • Debt collection
  • Medical
  • Cont'd attempts collect debt not owed
  • Debt is not mine
  • WA
  • 992XX
Web
I had health insurance, on XX/XX/XXXX of 2015 XXXX XXXX billed me for no insurance I called back giving them my information, they called me back 5 minutes later stating I did n't have health insurance. I told them I will call you back I should have health insurance so when I called XXXX XXXX back they never would answer I called multiple times leaving messages with no response, I received a call from XXXX about it being in collections I told them I had health insurance and that XXXX XXXX neglected to call me back with any updates. I sent them the information from the XXXX State Health Authority, my debt was removed from XXXX but not from XXXX. Only to find today my debt in collections is not double the amount and showing on both credit reports. I need help I 'm fed up with the games both XXXX and XXXX are playing. I do not owe either a single penny I am on a state funded healthcare program due to low household income my health insurance is free
07/06/2016 Yes
  • Debt collection
  • Medical
  • Cont'd attempts collect debt not owed
  • Debt is not mine
  • WA
  • 98366
Web Servicemember
I Provided XXXX insurance cards at time of service, returned to XXXX provided second copy of insurance, called XXXX three ( 3 ) times leaving voice mail requesting a call back. Emailed XXXX ( A Division of MST Financial Solutions, LLC ) once ( 1 ) via their website and called leaving voice mail twice ( 2 ). Did not receive a response from any attempts to contacts XXXX or XXXX After repeated disputes with XXXX on this issue, I finely received a call from XXXX. I informed XXXX of all stated above and that XXXX failure to bill in a timely manner if at all does not make this my responsibility and demanded that this be removed from my credit report. XXXX informed me it 's my burden to provide proof of coverage, which I sent yet again. I expected this to be removed from all XXXX credit agencies and they have taken little to no action to remove their fraudulent collections attempt besides sending me a letter stating they would.
07/30/2018 Yes
  • Debt collection
  • Medical debt
  • Communication tactics
  • You told them to stop contacting you, but they keep trying
  • ID
  • 83854
Web
XXXX XXXX is about the worst collection company I have ever dealt with. Not once have they ever given me the option of disputing the debt, the call me, my wife, my place of business all the time and are extremely rude and abusive. We have tried to set up payment plans with them which they refuse. I had them call me on XX/XX/XXXX at my work and I asked why they called my work and not my cell phone. They claimed they didn't have my cell number which was false as they call it all the time. I looked through our logs and other employees have also told them to stop calling here and they continue to do so. ( I was able to track down a recording of another employee telling them not to and them calling multiple employees after being told not to. They will not allow you to make payments on a single account when they hold multiple but they are now taking me to court over a {$76.00} account.
01/10/2019 Yes
  • Debt collection
  • Medical debt
  • Communication tactics
  • You told them to stop contacting you, but they keep trying
  • MN
  • 55124
Web
I have pulled my credit report and see XXXX XXXX XXXX has listed 12 debts they say I owe from the state of XXXX. I now reside in the state of XXXX, which is a closed boarder state for collections. I understand they are not allowed to contact me for any collection purposes by phone or mail. It is a violation of the Fair Debt Reporting Act to continue reporting a debt to the credit reporting agencies if it is not validated. I sent a letter to XXXX on XX/XX/2018 asking them to validate the debt and if they can not to completely remove the debt from my credit file. Since XXXX is a closed boarder state for collections, they were in violation of contacting me when they sent the XX/XX/2018 letter addressing the debt validation. They should not have contacted me which then should also have made them remove the debts from my credit reports and stop all attempts to collect the debt.
10/25/2020 Yes
  • Debt collection
  • Medical debt
  • Written notification about debt
  • Didn't receive enough information to verify debt
  • WA
  • 98902
Web
I went to the hospital on a work related incident, I XXXX and slipped off the ladder at work. I got sent to the hospital. Once i got to the hospital i got an ekg, because I have a XXXX XXXX I was told at the hospital the my insurances covered my Bill 's, which I had state and XXXX insurance. I didnt get a bill or anything from XXXX insurance which is XXXX or from state. I recently reinstated my insurance from the state a month before. One day out of the blue I get calls from random numbers saying I owe money for a debt 4 years ago. I had no idea what they were talking about and didnt ask for my name, address, or anything that would confirm my identity. I asked them what they were talking about and said I had a XXXX XXXX 4 years ago, went to the hospital and now owe XXXX plus. I was upset. The hospital said I was fine, and that there was no need to pay.
12/20/2017 Yes
  • Debt collection
  • Medical debt
  • Written notification about debt
  • Didn't receive enough information to verify debt
  • WA
  • 988XX
Web
I was completely unaware that there was even any medical debt in collections as i 've never recieved anything from the XXXX XXXX XXXX saying that i owe anything to them, nor do i recall ever incruing any medical bills in the time frame that shows up on my credit report. There are three seperate instances of a debt claimed to be owed by them for XXXX, XXXX, and XXXX respectively. The claims were filed in XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX. I am unsure if this is when i was supposed to have actually incrued the debt or if this is when the debt was sent to collections and a claim was submitted, but no matter the case i was never contacted or given notice by them in any way that there was a debt and do not recall ever being in need of medical assistance not covered by my copay at any point prior to the dates these claims were made.
12/15/2018 Yes
  • Debt collection
  • Other debt
  • Attempts to collect debt not owed
  • Debt was paid
  • WA
  • 992XX
Web
Debt was paid by garnishment XX/XX/2018-XX/XX/2018, total amount garnished was {$1900.00}. Original garnishment to XXXX XXXX, resulting from XXXX District Court Case. I have received a second notification from XXXX that they are garnishing me further for {$1600.00} under a new XXXX District Court number. I have never received any notification of a second court case, or a secondary judgement relating to this debt. The amounts garnished under each order are the same amounts - {$1600.00}. I want relief from this action. CFPB needs to stop predatory debt collection and end consumer 's double-jeopardy in settling financial matters. One garnishment was too much for this small matter of an expired debt Calls to this company unsuccessful as neither number published was in service.
12/14/2022 Yes
  • Debt collection
  • Other debt
  • Communication tactics
  • Frequent or repeated calls
  • WA
  • 99208
Web
XXXX sent out the first notification of debt in late XXXX. I received the notice on XX/XX/22 and it indicated I had the right to 30 days for disputing or paying the debt. I received a voicemail from a collector XXXX at XXXX on XX/XX/22 at XXXX indicating he was from XXXX XXXX XXXX and requested I give him a call at XXXX. He did not mention he was attempting to collect a debt in the voicemail so I returned the call at XXXX. He advised who he was and that he was attempting to collect a debt for my utility bill and asked if I wanted to set up arrangements. I advised I was still within my 30 day window for dispute so he was harassing me by calling before that time was up. He apologized and hung up.
01/23/2021 Yes
  • Debt collection
  • Medical debt
  • Attempts to collect debt not owed
  • Debt was paid
  • CA
  • 92571
Web
The collection office has not provided the required documents showing this account is in default. My insurance and original service provider are looking and investigating the payment/ insurance part of this claim of {$350.00} for XXXX XXXX. I ask the collection agency to return the collection back to the original provider to resolve our issue, but they would not work with me. They have been bullying me to pay and I feel this will not only hurt my credit but all future prospective employers. They will not give me an interview or opportunity due to my credit been damaged by this collection. This company is problematic to consumers because of its practices of bullying and threatening consumers.
05/01/2018 Yes
  • Debt collection
  • Other debt
  • Attempts to collect debt not owed
  • Debt is not yours
  • ID
  • 83854
Web
XX/XX/18 I, XXXX XXXX, received a phone call at work stating I have an account in collections and my name isn't even on the account. It is NOT my debt and they didn't bother to confirm who the owner is. Apparently they have been harassing my previous employer about it and never once sent anything in the mail to advise me they had an account in my name or I would have disputed it previously. This account isn't mine nor have I ever had this account in my name. My wife has faxed over a letter today stating they are not to contact me any more especially at work. They need to confirm who this account belongs to. Also, I filed Ch XXXX bankruptcy and they show it was included.
01/13/2023 Yes
  • Debt collection
  • Other debt
  • Written notification about debt
  • Didn't receive enough information to verify debt
  • WA
  • 991XX
Web
I received a call from Chapman Financial Services last week XXXX about a bill from XXXX or XXXX not sure. From XXXX XXXX XXXX XXXX XXXX a local newspaper. I had gone in personally hopping mad because I went on their erroneous website to get a quote for an ad to find a place to rent. The website wouldn't calculate the words so I literally backed out of the ad not giving any credit card or final okay. Didn't think anything of it. Then a bill came to my XXXX XXXX XXXX how sketchy is that. I went into their office and gave them my piece of mind. I got hijacked by a web page they illegitimatly billed me from anyway! XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX in XXXX.
06/24/2015 Yes
  • Debt collection
  • Medical
  • False statements or representation
  • Attempted to collect wrong amount
  • WA
  • 99301
Web
I paid a bill to XXXX XXXX XXXX on- line for XXXX. They continue to bill me this amount. I called them, because I could view that the total had cleared my bank.When i called XXXX, they claimed it went to pay old debt to Chapman Financial Services. I contacted Chapman FS, and asked them to show me that my account was credited this amount, they only used the information I gave them to continue calling me and sending me a new bill for XXXX. No where-in any questions or billings has the amount been-the amount showing on my credit report estimated XXXX??? this whole thing seems very fishy on both parts of XXXX XXXX XXXX and Chapman Financial Services
04/24/2019 Yes
  • Debt collection
  • Medical debt
  • False statements or representation
  • Attempted to collect wrong amount
  • ID
  • 83835
Web Older American
A company called XXXX XXXX XXXX is reporting on my credit reports that a 5 year old medical bill is over {$800.00} and that I paid over {$300.00} on this bill that I never did the credit reporting agency 's investigated it once and removed it. XXXX turned around put it back on my credit reports 2 years later with false information I have included the original bill it was for {$310.00} with a start day of XX/XX/2014 and a final appointment on XX/XX/2014 this bill is pass the statue of limitations in Idaho state. XXXX XXXX phone # is XXXX
09/25/2016 Yes
  • Debt collection
  • Other (i.e. phone, health club, etc.)
  • Communication tactics
  • Frequent or repeated calls
  • WA
  • 99203
Web
I will get anywhere from one to 30 calls a day from chapman financial. I have told them not to call during work hours and I will still get calls during business. They have called as early as XXXX and as late as XXXX. I have also missed their calls only to have between 3 and ten calls in less than 5 minutes from the same number with no voicemail. I have explained my situation of paying 2000 in bills a month but make XXXX, and have to have gas and food with nothing left to pay them.
08/02/2016 Yes
  • Debt collection
  • Medical
  • Communication tactics
  • Threatened to take legal action
  • ID
  • 838XX
Web
I have been trying to pay what I can and sometimes that is nothing but repeatedly have been telling me that is not enough and that if I do n't pay what they want me to pay a month then they are going to take me to court and garnish my husbands wages over {$600.00} a pay check! I also asked them to not call my husband and I at our jobs and they continue to do so. I even gave written notice to stop. Now I get a letter in the mail about a judgement and I only missed one payment.
06/15/2017 Yes
  • Debt collection
  • Other debt
  • Attempts to collect debt not owed
  • Debt is not yours
  • ID
  • 83843
Web
A collection agency had reported I owe a debt I wasnt notified I found it on my credit report then them about it and told them it 's not mine and they wo n't remove it I have a right yon dispute before they ruin my credit they never gave me notice to dispute this collection just marked as a collection on my credit report shame! Also they wo n't remove it do n't they need proof or have to prove it?
05/28/2016 Yes
  • Debt collection
  • Other (i.e. phone, health club, etc.)
  • False statements or representation
  • Attempted to collect wrong amount
  • WA
  • 990XX
Web
A disputed debt was sent to a XXXX collection agency. The XXXX collection agency has failed to notify me of how to dispute the debt, failed to notify the CRAs that the debt is disputed, and is now charging me more that the original amount. I believe some or all of these violate federal law. They have also failed to respond in full to my letter sent certified mail.
08/26/2016 Yes
  • Debt collection
  • Medical
  • Cont'd attempts collect debt not owed
  • Debt was paid
  • WA
  • 98021
Web
XXXX. Went to the XXXX on/around XXXX/XXXX/14 and got XXXX. I was interviewed about it by the school and should have been covered by the schools insurance or my health care coverage. Can be seen in the recites that payments where made on XXXX/XXXX/14 and on XXXX/XXXX/14. So I have no idea why they are still sending this to me.
05/04/2018 Yes
  • Debt collection
  • Credit card debt
  • Written notification about debt
  • Didn't receive enough information to verify debt
  • MT
  • 593XX
Web
XXXX XXXX has violated 15 USC 1692 by continuing collection activity after a cease and desist and 15 USC 1681 by failing to report complete and accurate information to credit reporting bureaus.
12/15/2016 Yes
  • Debt collection
  • Medical
  • Communication tactics
  • Called after sent written cease of comm
  • WA
  • 98006
Web
I have n't heard ANYTHING from this clinic nor phone calls or notice letter regards to this amount. I just received email from XXXX that I have XXXX collection. Then I was surprised.
05/14/2015 Yes
  • Debt collection
  • Other (i.e. phone, health club, etc.)
  • False statements or representation
  • Attempted to collect wrong amount
  • ID
  • 838XX
Web
I have sent full amounts to Chapman Financial Services couple months ago for past due collection and they refuse to apply it to the debt amount balance.
09/19/2016 Yes
  • Debt collection
  • I do not know
  • Improper contact or sharing of info
  • Talked to a third party about my debt
  • IN
  • 46835
Web
CHAPMAN KEPT CALLING AND COLLECTING FAMILTY MEMEBERS, WENT ON MY CREDIT W/O VALIDATION IN VIOLATION OF FCRA, FDCPA, TCPA.
03/12/2016 Yes
  • Debt collection
  • Other (i.e. phone, health club, etc.)
  • Disclosure verification of debt
  • Right to dispute notice not received
  • IL
  • 60445
Web
COLLECTOR FAILED TO VALIDATE DEBT AND VIOLATED FCRA, FDCPA AND TCPA.
01/19/2017 Yes
  • Debt collection
  • Medical
  • Cont'd attempts collect debt not owed
  • Debt is not mine
  • WA
  • 98155
Web
I had XXXX & XXXX, and they charged that to me
07/24/2023 Yes
  • Debt collection
  • Medical debt
  • False statements or representation
  • Attempted to collect wrong amount
  • ID
  • 83815
Phone
08/23/2022 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
  • Difficulty submitting a dispute or getting information about a dispute over the phone
  • ID
  • 83402
Web
06/29/2022 Yes
  • Debt collection
  • Medical debt
  • Written notification about debt
  • Notification didn't disclose it was an attempt to collect a debt
  • ID
  • 83501
Web
06/27/2022 Yes
  • Debt collection
  • Credit card debt
  • Threatened to contact someone or share information improperly
  • Talked to a third-party about your debt
  • ID
  • 83501
Web
04/08/2022 Yes
  • Debt collection
  • Medical debt
  • Attempts to collect debt not owed
  • Debt is not yours
  • ID
  • 83858
Web Servicemember
03/09/2022 Yes
  • Debt collection
  • Medical debt
  • Attempts to collect debt not owed
  • Debt was paid
  • ID
  • 83815
Phone
12/15/2021 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Incorrect information on your report
  • Information belongs to someone else
  • WA
  • 99208
Phone Older American, Servicemember
05/24/2021 Yes
  • Debt collection
  • I do not know
  • Written notification about debt
  • Didn't receive enough information to verify debt
  • WA
  • 98826
Web
05/23/2021 Yes
  • Debt collection
  • Other debt
  • Written notification about debt
  • Didn't receive enough information to verify debt
  • WA
  • 98833
Web
05/18/2021 Yes
  • Debt collection
  • Other debt
  • Written notification about debt
  • Didn't receive enough information to verify debt
  • WA
  • 98862
Web
05/14/2021 Yes
  • Debt collection
  • Other debt
  • Attempts to collect debt not owed
  • Debt was paid
  • WA
  • 98833
Web
04/08/2021 Yes
  • Debt collection
  • Medical debt
  • Attempts to collect debt not owed
  • Debt is not yours
  • CA
  • 92354
Web
03/17/2021 Yes
  • Debt collection
  • I do not know
  • Written notification about debt
  • Didn't receive enough information to verify debt
  • CA
  • 90503
Web
02/01/2021 Yes
  • Debt collection
  • Medical debt
  • Written notification about debt
  • Didn't receive enough information to verify debt
  • WA
  • 98012
Web
12/29/2020 Yes
  • Debt collection
  • Medical debt
  • Written notification about debt
  • Didn't receive enough information to verify debt
  • WA
  • 98166
Web
11/04/2020 Yes
  • Debt collection
  • Medical debt
  • Attempts to collect debt not owed
  • Debt was paid
  • ID
  • 83815
Web
09/08/2020 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Incorrect information on your report
  • Information belongs to someone else
  • WA
  • 98092
Web
01/30/2020 Yes
  • Debt collection
  • Medical debt
  • Attempts to collect debt not owed
  • Debt was already discharged in bankruptcy and is no longer owed
Phone
08/21/2019 Yes
  • Debt collection
  • Other debt
  • False statements or representation
  • Attempted to collect wrong amount
Phone
08/12/2019 Yes
  • Debt collection
  • Medical debt
  • Took or threatened to take negative or legal action
  • Threatened or suggested your credit would be damaged
  • ID
  • 83835
Postal mail
05/09/2019 Yes
  • Debt collection
  • Medical debt
  • Written notification about debt
  • Didn't receive notice of right to dispute
  • ID
  • 83815
Web
11/15/2018 Yes
  • Debt collection
  • Medical debt
  • Written notification about debt
  • Didn't receive notice of right to dispute
Phone
09/28/2017 Yes
  • Debt collection
  • Medical debt
  • Communication tactics
  • Frequent or repeated calls
  • OR
  • 97080
Web
07/26/2017 Yes
  • Debt collection
  • Medical debt
  • False statements or representation
  • Attempted to collect wrong amount
  • WA
  • 98203
Web
01/11/2017 Yes
  • Debt collection
  • Medical
  • Improper contact or sharing of info
  • Contacted employer after asked not to
  • ID
  • 83835
Web Servicemember
01/09/2017 Yes
  • Credit reporting
  • Incorrect information on credit report
  • Account status
  • ID
  • 83815
Web
12/27/2016 Yes
  • Debt collection
  • I do not know
  • Taking/threatening an illegal action
  • Threatened to sue on too old debt
  • ID
  • 83814
Web
07/26/2016 Yes
  • Debt collection
  • I do not know
  • Disclosure verification of debt
  • Not given enough info to verify debt
  • WA
  • 99206
Web
07/21/2016 Yes
  • Debt collection
  • Medical
  • Taking/threatening an illegal action
  • Threatened to sue on too old debt
  • ID
  • 83858
Web Servicemember
06/15/2016 Yes
  • Debt collection
  • Medical
  • Disclosure verification of debt
  • Not disclosed as an attempt to collect
  • WA
  • 98802
Web
06/06/2016 Yes
  • Debt collection
  • Medical
  • Improper contact or sharing of info
  • Contacted employer after asked not to
  • ID
  • 83822
Web
04/15/2016 Yes
  • Debt collection
  • Medical
  • Disclosure verification of debt
  • Not given enough info to verify debt
  • WA
  • 98203
Web
02/04/2016 Yes
  • Debt collection
  • Medical
  • Improper contact or sharing of info
  • Contacted me after I asked not to
  • ID
  • 83815
Web
01/28/2016 Yes
  • Debt collection
  • Medical
  • False statements or representation
  • Attempted to collect wrong amount
  • WI
  • 99179
Web
01/02/2016 Yes
  • Debt collection
  • Medical
  • Communication tactics
  • Threatened to take legal action
  • ID
  • 83869
Web Older American
12/09/2015 Yes
  • Debt collection
  • Medical
  • Disclosure verification of debt
  • Not given enough info to verify debt
  • ID
  • 83805
Web
10/04/2015 Yes
  • Debt collection
  • Medical
  • Disclosure verification of debt
  • Not given enough info to verify debt
  • WA
  • 98270
Web
09/18/2015 Yes
  • Debt collection
  • Medical
  • Cont'd attempts collect debt not owed
  • Debt was paid
  • CO
  • 80015
Web
03/03/2015 Yes
  • Debt collection
  • Medical
  • Taking/threatening an illegal action
  • Attempted to/Collected exempt funds
  • ID
  • 83854
Web
02/17/2015 Yes
  • Debt collection
  • Medical
  • Taking/threatening an illegal action
  • Sued w/o proper notification of suit
  • ID
  • 83858
Web
02/17/2015 Yes
  • Debt collection
  • Medical
  • Cont'd attempts collect debt not owed
  • Debt was paid
  • WA
  • 98001
Web
02/16/2015 Yes
  • Debt collection
  • Other (i.e. phone, health club, etc.)
  • Disclosure verification of debt
  • Not given enough info to verify debt
  • CO
  • 80207
Web
01/30/2015 Yes
  • Debt collection
  • Medical
  • Cont'd attempts collect debt not owed
  • Debt was paid
  • WA
  • 98501
Web
01/28/2015 Yes
  • Debt collection
  • I do not know
  • Cont'd attempts collect debt not owed
  • Debt is not mine
  • ID
  • 83877
Web
01/28/2015 Yes
  • Debt collection
  • Medical
  • Cont'd attempts collect debt not owed
  • Debt is not mine
  • ID
  • 83877
Web
01/25/2015 Yes
  • Debt collection
  • Medical
  • Cont'd attempts collect debt not owed
  • Debt was paid
  • WA
  • 99204
Web
10/02/2014 Yes
  • Debt collection
  • Other (i.e. phone, health club, etc.)
  • Cont'd attempts collect debt not owed
  • Debt is not mine
  • UT
  • 84040
Web
09/17/2014 Yes
  • Debt collection
  • Medical
  • False statements or representation
  • Attempted to collect wrong amount
  • CO
  • 80631
Web
08/05/2014 No
  • Debt collection
  • Medical
  • Disclosure verification of debt
  • Not given enough info to verify debt
  • CO
  • 80207
Web
06/16/2014 Yes
  • Bank account or service
  • Other bank product/service
  • Account opening, closing, or management
  • WA
  • 98116
Postal mail
04/17/2014 Yes
  • Debt collection
  • I do not know
  • Cont'd attempts collect debt not owed
  • Debt is not mine
  • ID
  • 83854
Web
03/03/2014 Yes
  • Debt collection
  • Medical
  • Disclosure verification of debt
  • Not given enough info to verify debt
  • WA
  • 98391
Web
02/21/2014 Yes
  • Debt collection
  • Medical
  • Communication tactics
  • Used obscene/profane/abusive language
  • ID
  • 83854
Web
12/16/2013 Yes
  • Debt collection
  • Medical
  • Improper contact or sharing of info
  • Talked to a third party about my debt
  • WA
  • 98908
Web
11/08/2013 Yes
  • Debt collection
  • Medical
  • Taking/threatening an illegal action
  • Sued w/o proper notification of suit
  • MN
  • 55112
Web