Mutual Management Services LLC CFPB Complaints

2000 Latest Complaints

Date Received	Timely Response	Product	Issue	State / Zip	Submitted Via	Tags
04/16/2021	Yes	Debt collection Other debt	Written notification about debt Didn't receive enough information to verify debt	FL 33025	Web
On XX/XX/XXXX, there was a house fire at my rented place of residence. I immediately contacted the property manager for XXXX XXXX XXXX properties and informed them of this event. Whilst my husband was able to put out the fire, the fire department were still contacted to assess the damage and overall condition of the property. The property was not condemned and not deemed uninhabitable, as the damage was confined to the kitchen area. At the time I lived at the property with my husband and XXXX children ( I was pregnant with the XXXX child ). Because I was pregnant at the time, I was XXXX to the emergency room for observation. A few days later, XXXX XXXX XXXX properties sent an individual to assess the damage of the property. However, we were not able to properly communicate with him, as there was a language barrier. Consequently, what I can only assume is the result of this assessment, we were informed by the property manager of XXXX XXXX XXXX that the property was uninhabitable and were not allowed to be there. On XX/XX/XXXX we were emailed a notice stating that the lease would be terminated and were given 7 days to vacate the property. Prior to this date, I complied with all their requests to provide information regarding this event. There were even discussions, albeit tentative, regarding how the damage could be paid for, including paying their {$10000.00} insurance deductible and adding extra payment to our monthly rental amount. Nonetheless, my family and I left the property and were homeless for about 3 weeks. On XX/XX/XXXX I decided to drive by the property to see if I had any mail ; I had registered for mail forwarding but wanted to make sure that I was not missing anything important. I saw a notice for registered piece of mail and went to the post office to pick it. It was a notice to impose claim on my deposit from XXXX XXXX XXXX It stated that they were going to take the deposit and apply to the damage. Then there was a remaining amount listed " owed by tenant. '' Furthermore, the notice also had checked boxes for " legal action '' and " sent to collection. '' I immediately contacted my lawyer at the time to draft a letter to communicate with the XXXX XXXX XXXX outlining the circumstances we were in : finding another place to live, mounting medical expenses due to my XXXX, and general expenses associated with raising the family. XXXX XXXX XXXX has since repaired the damage and sold the home as of XX/XX/XXXX. According to my research, however, they did not pull the proper permits to commence the repairs, as well as conduct the inspection necessary to put the property on the market for purchase. In or around XX/XX/XXXX, were looking to purchase a house and applied for a mortgage. it was at this time that we realized that the debt was now being reported to the credit bureaus. I contacted XXXX XXXX XXXX and was told that it is now being reported because I did not respond to their notice to impose claim on my deposit. This is not true. I was then told that I was to take the matter up with the collection agency. In or around XX/XX/XXXX, we were informed by our current Landlord that they were selling their property and we would have to be out by XX/XX/XXXX. At this time we started looking for a place to live with both private owners and managed properties. Every application was denied due to this collection debt, and, as I recently found in one renters report, as a realty judgement against my husband and I. I must note at this point that I have not received any debt validation from the collection agency - Mutual Management - nor evidence that they are working on behalf of XXXX XXXX XXXX I also asked for an itemized list of the repair costs, of which I have still not been provided with. I have also disputed several times with the three credit bureaus, and despite informing the bureaus they have not provided the proper paperwork, the credit bureaus still report the debt. Additionally, when I spoke to an agent from the credit bureau I was told that they didn't have to provide paperwork and all that was required from the collection agency was to tell them that the debt was owed. We recently hired a lawyer to try to settle this debt, but they have refused our offers, and have still not provided the proper and legal paperwork to collect this debt. As a consequence of this, my family and I are now staying in a hotel, because we are unable to get approved for housing of any kind.
09/04/2020	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	FL 34952	Web
THIS COMPANY CAN NOT AND HAS NOT produced me my original bill from the original creditor they purchased my debt from and because of that they must to cease all collection efforts and remove this account from my credit report. REMEMBER I AM REQUESTING VALIDATION, NOT VERIFICATION!! This COMPLAINT is being sent to you in response to notices sent to me from your company and more importantly, due to your erroneous reporting to the Credit Bureau { s }, the highly negative impact on my personal credit report. Please be advised that this is not a refusal to pay, but a notice sent pursuant to the Fair Debt Collection Practices Act, 15 USC 1692g Sec. 809 { b } that your claim is disputed and validation is requested. This is NOT a request for verification or proof of my mailing address, but a request for VALIDATION made pursuant to the above named Title and Section. I respectfully request that your offices provide me with competent evidence that I have any legal obligation to pay you. Please provide me with the following : What the money you say I owe is for : Explain and show me how you calculated what you say I owe : Provide me with copies of any papers that show I agreed to pay what you say I owe : Provide a verification or copy of any judgment if applicable : Identify the original creditor : Prove the Statute of Limitations has not expired on this account : Show me the you are licensed to collect in my state : Provide me with your license numbers and Registered Agent or Agent of Service : At this time I will also inform you that if your offices have reported invalidated information to any of the 3 major Credit Bureaus { XXXX, XXXX or XXXX } this action might constitute fraud under both Federal and State Laws. Due to this fact, if any negative mark is found on any of my credit reports by your company or the company that you represent, I will not hesitate to bring legal action against you for the following : Violation of the Fair Credit Reporting Act Violation of the Fair Debt Collection Practices Act Defamation of Character If your offices are able to provide proper documentation as requested in the following Declaration, I will require at least 30 days to investigate this information and during such time all collection activity must cease and desist. Also, during this validation period, if any action is taken which could be considered detrimental to any of my credit reports, I will consult with my legal counsel for suit. This includes listing any information with a credit reporting repository that could be inaccurate or invalidated or verifying an account as accurate, when in fact there is no provided proof that it is accurate. If your company fails to respond to this validation request within 30 days from the date of your receipt, all references to this account must be deleted and completely removed from my credit report and a copy of such deletion { to any/all of the 3 major credit reporting bureaus : XXXX, XXXX and XXXX } request shall be sent to me immediately. I would also like to request, in writing, that no telephone contact be made by your company to my home or my place of employment. If your offices attempt telephone communication with me, including but not limited to computer generated calls and calls or correspondence sent to or with any third parties, it will be considered harassment and I will have no choice but to file suit. All future communications with me MUST be done in writing and sent to the address noted in this letter by USPS. It would be advisable that you assure your records are in order before I am forced to take legal action against your company and your client. This is an attempt to correct your records, any information obtained shall be used for that purpose. A response with a bill is NOT evidence of proof that the debt is mine. Anyone can open an account under my name for which a bill is produced, but that doesn't mean it was actually me or that the debt is actually mine. I need real evidence. This evidence consists of a contract from the original creditor or some agreement bearing MY written signature agreeing to pay the debt. In the absence of this evidence I ask you to please remove this account from my credit report.
12/06/2020	Yes	Debt collection Other debt	False statements or representation Attempted to collect wrong amount	FL 34983	Web
I am writing this letter to complain about the XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, FL XXXX and the collection agency shot the inaccurate balance that they reported on my credit profile. The collection agency is Mutual Management Services located at XXXX XXXX XXXX XXXX XXXX XXXX, XXXX Fl XXXX. I rented at XXXX XXXX XXXX XXXX from XX/XX/XXXX, XXXX XXXX, 2020. On XX/XX/XXXX, I moved out of the unit. At the scheduled inspection time, which was suppose to be XXXX that morning, but couldnt be completed because the unit was not yet empty. The assistant property manager, XXXX, in the presence of myself and the maintenance person, told me that I could leave the unit key on the counter after move out because they would be closing at XXXX and closed the following day, which was Saturday they would complete the move out inspection with me. I sent an email to XXXX stated that I had left the unit and the keys were on the counter as discussed earlier. The move out inspection never happened. I reached out to the manager multiple times by phone and email regarding this matter and the final balance. Theyre excuse was they have been very busy and I would receive my final balance statement via certified mail. 30 days after the move out. I received my move out balance. You did not provide a full and specific statement of alleged damages and repair costs within 21 days of when I moved out. You only provided estimates of repair costs. Under a court case called Goodwill v. Madison Real Estate, these estimates are not good enough. You did not comply with the law. The management team had taken my {$500.00} deposit and charged me for alleged damages to the unit. Per emails with XXXX, the general cleaning fee is {$120.00} the carpet cleaning fee is {$80.00} and the painting was cost was not specified. Per XXXX, we will need to complete the inspection to determine if the unit needs any kind of paint. However, I did agree to pay for the cleaning out of the {$500.00} deposit. Once I responded to the inaccuracies, the manager then wrote back with additional charges resulting in a higher balance and stated that the case is closed and I needed not to respond. Then on XX/XX/2020, I was notified by a credit bureau XXXX that I have a new collection for the amount of {$760.00}. The company owes me the remaining balance of my deposit which is {$270.00} after the cleaning fees were deducted. I am not responsible for the following alleged damages because there was no damage ; there was only normal wear and tear to the paint and to the carpet. The company also claims that I never provided a new mailing address which was provided on XX/XX/2020.
01/23/2020	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt was result of identity theft	GA 30342	Web
I have contacted Mutual Management Services LLC repeatedly a number of times after discovering this account on my credit report. The first 3 times i reached out all representatives i spoke with claimed to not be able to find the account, which i initially did not find strange because i did not have any knowledge of this debt. After contacting the credit bureaus and confirming that this collection was on my credit report i called back and was tossed around to different reps until someone was able to locate my account. They said a debt of over {$10000.00} was owed to a company called XXXX XXXX which i have absolutely no knowledge of! i let the rep know that this account was either fraudulent or belonged to someone else. The rep thanked me for notifying them and said that they would notate the account and i would stop receiving notifications from them. That coversation was in XXXX. Still this fraudulent information remains on my credit report and mutual management services is refusing to remove it. I believe their actions are unlawful, shameful, vile and without merit. With that being said, it is distasteful for them to throw a curb ball of this magnitude, especially when they continuously REFUSE to Validate the Debt which would prove that they have proper ownership of the debt. Therefore, I believe the possible violations are as follow ( s ) but not limited to : 1. The Fair Credit Reporting Act ( FCRA ) 15 U.S.C. 1681b ( c ) : Transactions Not initiated by Consumer. 2. 607. Compliance procedures : ( b ) Accuracy of report ( 15 U.S. Code 1681e ) 3. 616. Civil liability for willful noncompliance ( 15 U.S.C. 1681n ) 4. 616. Civil liability for negligent noncompliance ( 15 U.S.C. 1681o ) 5. Continued to attempt to collect a disputed debt is a FDCPA violation according to FDCPA-Validation of Debts 15 U.S.C. 1692g ( b ) 6. 15 U.S.C. 1692e False or misleading representations 7. 15 U.S.C. 1692f Unfair practices 8. FDCPA-Validation of Debts 15 U.S.C. 1692g 9. Extortion 10. FRAUD by knowingly attempting to execute, any trickery scheme with the intent to defraud a consumer/ debtor. 11. 15 U.S. Code 1681i ( B ) ( i ) ( ii ) and ( iii ) Requirements relating to reinsertion of previously deleted material 12. FCDPA-Communicating false credit information-807 ( 8 ) 13. FCDPA-Falsely obtaining information about me-807 ( 10 ) 14. FCDPA-Creditor Misrepresentation of Identity-807 ( 14 ) 15. The debt collector shall cease all collection once the item has been disputed according to FDCPA-Validation of Debts 15 U.S.C. 1692g ( b ) I have attached police report and identity theft report
05/18/2016	Yes	Debt collection Credit card	Cont'd attempts collect debt not owed Debt is not mine	NC 28806	Web
I am requesting that this claim be removed from my credit report. I never received documentation on this claim from Mutual Management. I have XXXX debt collection agencies requiring payment for the same claim originally made in 2010 and sold to Mutual Management SR by XXXX XXXX XXXX of Alabama. I have verified over the phone with both debt collection agencies that the claims are from XXXX XXXX XXXX and for the SAME CLAIM originally made by XXXX XXXX XXXX. In order to verify this in documentation I have pursued Mutual Management SR seeking documentation on the claim. These are the steps I have taken with Mutual Management SR : 1. I have not received any documentation on the claim from Mutual Management SR, they are required to send me documentation of the details of the claim made. 2. I called Mutual Management SR home office and spoke to a representative requesting documentation of their claim, verifying my current address. No documentation was sent to me. 3. I sent a letter ( attached below ) requesting documentation of claim XXXX within 30 days requiring they remove the claim from my credit report if not received. No documentation was sent to me. 4. After 30 days of the first letter I sent a second letter ( attached below ) again requesting documentation on claim XXXX or to remove the claim from my report. No documentation was sent to me. 5. I contacted XXXX XXXX XXXX over the phone and spoke to a representative requesting documentation, I also informed them that another debt collection agency was seeking payment for the same claim and they needed to be contacted. Again no documentation of claim XXXX was ever sent to me. The original claim made by XXXX XXXX XXXX in 2010 was that I had not given them proper notice to end my lease ( 60 days ). I gave them a 30 day notice before my lease agreement ended for job transfer to another state. I forfeited my deposit to them for this reason and they still attempted to require of me moneys even though the deposit would cover the extra 30 days rent. I never agreed to their pursuit of extra rent money and thus they sold the claim to XXXX different collection agencies. I have never agreed to this collection claim. The original claim made by XXXX XXXX was erroneous and XXXX XXXX XXXX was required to send me documentation of this claim and never did so. Please remove this claim from my report. Thank you
01/13/2018	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	FL 33612	Web
In between XX/XX/XXXX-XX/XX/XXXX, I stayed in an apartment complex by the name of XXXX XXXX XXXX..I moved out in XX/XX/XXXX-XX/XX/XXXX, I cleaned out and left everything in good standing condition and was told by the manager at that time i would receive my deposit back..I recently started working on my credit and noticed that they have me in collections, I have tried on several attempts to dispute this and each time the results are that " I owe this amount ''. I went into the office in XX/XX/XXXX and spoke with the leasing manager and she said she didn't see how i owed anything and that according to her ledger the complex owed me ( which would be the deposit that the previous manager said i would be getting back ) so she was going to contact the corporate office and for me to come back in 7 days. I went back a couple of months after that and there was new office staff, so I discussed this issue again with new management and was told that she didn't see any reason why I would be in collections because she didn't see one listed and that my file was no longer in the office, so she took my information and said that she would be contacting me. I have yet to be contacted every time I try and call the office I am told the same thing someone will contact me..I know i could possibly not owe this ( 1 ) because I was on Section 8 at the time and when you're on Section 8 before you move to any other property or house you can not have a balance, and my Section 8 paperwork was signed off with a XXXX balance and no property damage. If you could please look into this it will be greatly appreciated, I am trying to remove this off my credit so I may continue to clean my credit and obtain a good credit standing. The amount they're saying I owe is {$2300.00} and also they have this debt listed as JOINT, but it should be Individual because I was the only one on the lease accept for my kids. This is the company info : MUTUAL MANAGEMENT SERVIC XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX ( XXXX ) XXXX My Name is XXXX XXXX and the address at that time was : XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Fl XXXX
12/05/2023	Yes	Debt collection Rental debt	False statements or representation Attempted to collect wrong amount	MI 49424	Web
My mother and I were renting an apartment in XXXX from XX/XX/XXXX to XX/XX/XXXX, we fulfilled our lease, we went through many difficulties due to the pandemic, I had a XXXX in XX/XX/XXXX and my mother had an accident that left her XXXX in XXXX leg, But despite all the difficulties we had, we always fulfilled our lease, we left the apartment very clean and in very good condition ( I have the photos ), but after we moved out, they did not return the deposit and they wanted to find excuses to charge us things that we don't think is correct, in addition, they are charging us for not giving 60 days moving notice, we gave them 30 days moving notice following their instructions because we had already finished the lease and we were on a month-to-month basis ( we stayed an extra month ), The most unfair of all, and I think there should be some protection for people because this is affecting my life, is that they are reporting to my credit indiscriminately and without control, as follow : Collection Account MUTUAL MANAGEMENT SRVC Originally : THE XXXX XXXX In Collections XXXX Reported XX/XX/XXXX Origination Date XX/XX/XXXX Original Balance {$1300.00} High Balance {$2000.00} TOTAL DUE {$2000.00} They kept my deposit, and they sent me to collection for {$1300.00}, and now the collection company is reporting to my credit bureaus every month increasing without any control and limit like if I have a subscription with them, they started with {$1300.00} and increasing every month they are now reporting a balance today of {$2000.00} and they will continue. The situation here is that this is affecting my life, I am trying to find a place to live because I am not safe where I am currently living, and because I owed more than {$2000.00} to a renting company, they are denying all my applications and this is affecting my life because the amounts they are charging are not fair, and they are increasing however they want without a control and a limit, Not fair that renting and collection companies are indiscriminate doing this without a control and affecting lives.
04/17/2020	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt was result of identity theft	FL 33054	Web
Its has been nearly 5 months and this company still has NOT provided me proof that this debt belongs to me! I have contacted the credit bureaus, the collection agency, and the creditor providing my identity theft report and police report advising ALL 3 parties that I have been a victim of identity theft. Its a violation of the collection practices act for a debt collector to refuse to send a validation notice or fail to respond to your verification letter. I believe their actions are unlawful, shameful, vile and without merit. With that being said, it is distasteful for them to throw a curb ball of this magnitude, especially when they continuously REFUSE to Validate the Debt which would prove that they have proper ownership of the debt. Therefore, I believe the possible violations are as follow ( s ) but not limited to : 1. The Fair Credit Reporting Act ( FCRA ) 15 U.S.C. 1681b ( c ) : Transactions Not initiated by Consumer. 2. 607. Compliance procedures : ( b ) Accuracy of report ( 15 U.S. Code 1681e ) 3. 616. Civil liability for willful noncompliance ( 15 U.S.C. 1681n ) 4. 616. Civil liability for negligent noncompliance ( 15 U.S.C. 1681o ) 5. Continued to attempt to collect a disputed debt is a FDCPA violation according to FDCPA-Validation of Debts 15 U.S.C. 1692g ( b ) 6. 15 U.S.C. 1692e False or misleading representations 7. 15 U.S.C. 1692f Unfair practices 8. FDCPA-Validation of Debts 15 U.S.C. 1692g 9. Extortion 10. FRAUD by knowingly attempting to execute, any trickery scheme with the intent to defraud a consumer/ debtor. 11. 15 U.S. Code 1681i ( B ) ( i ) ( ii ) and ( iii ) Requirements relating to reinsertion of previously deleted material 12. FCDPA-Communicating false credit information-807 ( 8 ) 13. FCDPA-Falsely obtaining information about me-807 ( 10 ) 14. FCDPA-Creditor Misrepresentation of Identity-807 ( 14 ) 15. The debt collector shall cease all collection once the item has been disputed according to FDCPA-Validation of Debts 15 U.S.C. 1692g ( b ) I HAVE DISPUTED THIS ON 3 DIFFERENT OCCASIONS!
12/05/2016	Yes	Debt collection I do not know	Cont'd attempts collect debt not owed Debt resulted from identity theft	FL 33319	Web
MUTUAL MANAGEMENT SR ACCOUNT NUMBERs : XXXX XX/XX/XXXX Address : XXXX XXXX XXXX XXXX XXXX , XXXX XXXX, FL XXXX Phone : XXXX ATTENTION TO DISPUTE DEPARTMENT : Dear Sir or Madam : I am a victim of identity theft. An identity thief used my personal information without my permission to open an account several account in my name this debt is not mine. I have enclosed proof of my identity and a copy of my Identity Theft Report. In accordance with the Fair Debt Collection Practices Act, I am asking you to stop collection proceedings against me and stop communicating with me about this debt, except as the Fair Credit Reporting Act allows. I also ask that you MUTUAL MANAGEMENT SR or any company associate with this account # XXXX and tell them the debt is the result of identity theft. I have enclosed a copy of the Federal Trade Commission 's police report Notice to Furnishers of Information. It explains your responsibilities under the Fair Credit Reporting Act ( FCRA ). The FCRA requires that debt collectors give an identity theft victim documents related to an account if the victim asks. Please send me copies of all records relating to the account, including : date account open all sign original contract including : Account applications made on paper, online, or by telephone Account statements or invoices Records of payment or charge slips Delivery addresses associated with the account Records of phone numbers used to activate or access the account Signatures on applications and accounts Investigators report Please send me a letter explaining what you have done to : MUTUAL MANAGEMENT SR or any company associate with this account that the debt is the result of identity theft Stop collection proceedings against me Stop reporting information about the debt to credit reporting companies Provide me with the records I request Thank you for your cooperation. Sincerely, XXXX, XXXX XXXX SOC SEC # XXXX DOB XX/XX/XXXX ADDRESS XXXX XXXX XXXX XXXX, XXXX XXXX, FL XXXX
05/22/2023	Yes	Debt collection Other debt	False statements or representation Attempted to collect wrong amount	TX 76227	Web
Mutual Management Services has been reporting inaccurately on my credit for a debt that they have never furnished ANY documentation for. I have sent multiple debt validation letters to their address listed on my credit reports, and I have personally received multiple calls from them ( just within the month of XXXX ) where they stated that they " do not respond to letters '' and that they would send the debt validation to my email. I have verified with them on multiple occasions my correct email, and they still have never sent it, most recently citing that they " had no record of speaking with me ''. Interestingly enough the email they had on file prior to their initial call in late XX/XX/2023, they had an incorrect email at which time I provided them the correct email. On the call where they stated they had " no record of speaking with me '', they still seemed to have the correct email on file. I have 3 issues : Firstly, this company has broken the law by not responding to any of my written or verbal communications as mandated in CFPB 1006.4. Secondly, they have made promises to communicate regarding the validity and accuracy of said debt, and have never followed through despite multiple attempts and pleas for them to do so. Thirdly, I wholeheartedly disagree with the amount they are proporting that I owe them. I have made multiple attempts to make this right by reaching out to get information on this alleged debt, contacting the original creditor who has no recollection or information on alleged debt, and even offering to settle- to no avail. This company ( despite being unable to prove the alleged debts accuracy ) has regularly been furnishing late payments and increased balances on my credit report for a debt that I do not owe. This has caused harm on my ability to be approved for credit and my ability to obtain housing.
12/22/2020	Yes	Debt collection I do not know	False statements or representation Impersonated attorney, law enforcement, or government official	FL 331XX	Web
Hello a building I stayed in 4 years ago when I left claimed I somewhat destroyed the apartment. They said they had to repaint the walls, replace the floor, replace utilities etc. Somehow of all the money I left them deposit etc. The cost was so high that after {$2000.00} was spent they still needed to get an additional {$1400.00}. I have tried to dispute this claim on XXXX. XXXX XXXX XXXX XXXX the place I was staying said they would create a dispute for the claim years ago they would get back to me with a certain email to send photos of the place in good condition etc. I never heard back from them. They never submitted evidence to me I had caused such destruction. When I try and dispute this with XXXX I simply get replies they checked the claim for accuracy and it is accurate. I have no idea what that means. How is it accurate? It was sold off to a debt collector Mutual Management and I still have no idea how they made this claim stick to my credit. I hired a lawyer for a separate property issue and I believe the firm does not think they can investigate these things once they are already on your credit report. Yet I saw a section that says that if I am not happy with XXXX attempt to investigate this claim I can file a claim on this website. Here I am. Please advise me if I can go further with this and can always retain the services of my lawyer to help if necessary. I have no plans to try and pay a debt for damages to a property I did not create. I feel its a fraudulent attempt to get more money from a tenant who always paid on time. Thanks checking this out for me.
06/01/2019	Yes	Debt collection Other debt	False statements or representation Attempted to collect wrong amount	FL 33470	Web
Years ago around XXXX I lived in XXXX XXXX of XXXX, Fl as a single father of two. I was wrongfully evicted for having a girl stay the night every now and then and they claimed she was living there. A year after being evicted I found out they had put a collection on my credit report for {$4500.00} for a few years I tried to dispute with no luck. I never received any information stated I even owed them any money. Fast forward to XX/XX/XXXX I had to find a new place for my family but could not due to this collection. I called Mutual Management Services and spoke with XXXX. XXXX informed me that a {$50.00} payment was made towards my debt in XXXX. I asked how is that knowing I that I never paid anything to them. He could not tell me or provide any proof to me of how it was paid or even anything about my debt. I was told they did not have to send me any information on my collection and I must pay to avoid legal issues. Desperate to get this removed from my credit report we came to a verbal agreement of a settlement of {$1500.00} to have the collection removed. When I asked for a settlement letter stating what we agreed upon and that the collection would be removed. XXXX had then told me no that he can not and does not have to send a settlement letter. I have tried contacting a manager/supervisor of Mutual Management a few times but I am always told there is not much me available. I have left multiple messages to have a manager/supervisor call in regards of this situation and have never had a return call.
06/14/2016	Yes	Debt collection I do not know	Communication tactics Used obscene/profane/abusive language	LA 70471	Web
Have received multiple phone calls to my cellular phone from a debt collector at XXXX asking for a person that I do not know ( XXXX XXXX? ). I have told them on multiple occasions that they have the wrong number and that I do n't know the individual they are looking for, however, they keep calling back. I received a voice mail from them again today and I returned the call to notify them that they have the wrong number for this person and that I do not know anyone by that name. Each time I started to explain to him that they have the wrong number, he hung up on me. So I called back twice more. The second time he hung up again and the third time I called he started saying obscene things like " maybe you keep calling back because you want to give me a XXXX or you want XXXX '' and " can I look you up on XXXX. '' I told him I was going to report them for harassment and he continued to say obscene things until I hung up. He never agreed to remove my phone number from their records. I asked him repeatedly for the name of the business he worked for and what his name was and he would n't give me either, just kept repeating obscenities. He had a thick accent, so I could n't understand what the name of the business was when he answered the phone. I did a reverse lookup for this phone number and the XXXX XXXX shows it as a " suspected spam '' debt collections company in XXXX, FL with multiple spam reports.
12/22/2023	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt was result of identity theft	FL 33308	Web
MUTUAL MANAGEMENT SERVICES is falsely reporting on my credit. I have never had any accounts with them. Per my research MUTUAL MANAGEMENT SERVICES is a debt collector. They are falsely reporting to my credit! I AM A VICTIM OF IDENTITY THEFT, I HAVE NEVER STAYED THERE ... I ATTACHED A COPY OF MY FTC REPORT IN THE LAST COMPLAINT AND YOU IGNORED IT! I WILL BE CONTACTING THE ATTORNEY GENERAL IF THIS ACCOUNT IS NOT DELETED! ACCT # XXXX is falsely reporting to my credit file and is against my rights and fair credit act. Under 15 U.S. Code 1681d - Disclosure of investigative consumer reports ; you are in violation. I have attached the definition so you can see the violation! ( a ) Disclosure of fact of preparation A person may not procure or cause to be prepared an investigative consumer report on any consumer unless ( 1 ) it is clearly and accurately disclosed to the consumer that an investigative consumer report including information as to his character, general reputation, personal characteristics, and mode of living, whichever are applicable, may be made, and such disclosure ( A ) is made in a writing mailed, or otherwise delivered, to the consumer, not later than three days after the date on which the report was first requested
03/11/2021	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt is not yours	FL 33012	Web
Mutual Management collection agency in cahoots with XXXX XXXX XXXX are actively breaking the law by illegally reporting collections on credit reports. I cancelled my daughters registration to the daycare and advised the teachers weeks prior to. All childcare was paid and the cancellation was met with so I should not need to pay for a cancellation. That took one of my checks that were on hold in their file and tried to deposit. The account was later posted on my credit report for a different amount and I never received any legal Correspondence that such would be reported to the credit bureaus. I have continuously disputed this with the credit bureaus and they verify the debt and NEVER provide proof to me. This is illegal, unethical, and is a scam company being run out of a home bedroom. In the last 4-5 years that this has been reported I have been financially affected and I would like to proceed with a lawsuit. I ask the FTC to assist with advising of all the laws broken here. There was No notification sent to me prior to reporting, the amount is not correct, and they do not have my ID/SSN to even prove that I am responsible for any debt. This is fraud
11/09/2022	Yes	Debt collection Other debt	Written notification about debt Didn't receive notice of right to dispute	FL 33021	Web
To Whom It May Concern, Back in XXXX while i was an international student, i lived at an apartment complex. when the covid-19 pandemic started, my parents faced financial issues and i had trouble paying my rent in XXXX and XXXX of XXXX. While contacting the leasing office in XXXX, i informed them that i am unable to finish my lease and i will have to go back to my home country because of covid-19. they have deposited my security deposit that covered the 1 month i was unable to pay and for the determination of the lease. I have informed them of my forwarding address in an email. In XX/XX/XXXX, over 2 years later while applying for credit, i have learned that i have a collection debt. in the past 2 years the company has never tried to contact me at my phone number, email address or forwarding address to resolve this issue or to be able to dispute it. The leasing office had all of my communication information available where they could have reached me to resolve this. I had to learn about this collection debt through my credit report! I have tried to contact them to provide proof for the debt in question with no luck. Please help me. Sincerely, XXXX XXXX
12/31/2020	Yes	Debt collection Other debt	Written notification about debt Didn't receive enough information to verify debt	GA 30016	Web
XXXX - XXXX {$920.00} XXXX Apartments XXXX XXXX XXXX. XXXX Ga XXXX action was taken 5 years ago because of a break in and entry by some so called maintenance department, sheriff 's department was called. XXXX - XXXX XXXX XXXX team XXXX still charging me for rent after lease expired in XXXX to this very day. offices located in florida and here in XXXX georgia. sent to collection agency Mutual Management without asking for dispute information or contacting me about collection agency at that time. with out my permission. The XXXX apartments XXXX XXXX XXXX. XX/XX/XXXX Ga XXXX ( XXXX ) XXXX charged me {$150.00} to collection agency XXXXXX/XX/XXXXXXXX in XXXX Florida for a rental unit I never rented or left a deposit or filled out an application to move in?., FRAUD!!! year XXXX. XX/XX/XXXX XXXX XXXX XXXX Georgia has over charged me for a room for carpet cleaning and repairs that were never there the room was not carpeted or damaged sent to another collection agency for rental history and i can prove my room did not need cleaning carpet and repairs at that time in XXXX or XXXX.
04/05/2023	Yes	Debt collection Other debt	Took or threatened to take negative or legal action Threatened or suggested your credit would be damaged	GA XXXXX	Web
The creditor attempted to collect a debt. I am requesting that under 609 FCRA the collection company or creditor present an original contract with my signature on it evidencing that it has a right to collect. The original contract is crucial to the creditor 's right to collect on the alleged debt. I do not owe the creditor nor do I owe the collection company the debt they are trying to collect. This is an XXXX company who under Florida law must have a signed lease evidencing whether the landlord has a right to collect up to the early termination fees or not. The creditor nor collection company has provided this information to the credit bureau nor to me. I am demanding that the collection company and the creditor cease collection on this account immediately and that it be removed from my credit. It has damaged my credit and my ability to obtain housing. Collection company is Mutual Management and the Creditor is XXXX ( XXXX XXXX XXXX XXXX XXXX XXXX )
05/23/2023	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt is not yours	TX 76227	Web	Servicemember
I have attempted multiple times to obtain debt validation and have received no response. Most recently i finally filed a report, which they closed saying they would finally comply with the law and attempt to validate the debt. This company in response to a previous cfpb complaint finally agreed to send the " validation '' which appears to be a typed up receipt on a XXXX document. This company should know the law! They must submit proof that this is my debt. I have not received any proof that this debt is mind and therefore demand that this company immediately cease and desist all collection activities and provide proof of the debt. Unfortunately this company has voilated the law already by not responding within the 30 days mandated by law. This is grounds for removal. I demand this company abide by federal law and remove this erroneous record from my credit report immediately!
07/28/2021	Yes	Debt collection I do not know	Took or threatened to take negative or legal action Threatened or suggested your credit would be damaged	FL 33033	Web
XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX fl XXXX XX/XX/XXXX MUTUAL MANAGEMENT SRVC at XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX has been sending me collection notices in the amount of {$1600.00} and {$1900.00} for the same alleged debt, MUTUAL MANAGEMENT SRVC called me stating that i owe this debt the collection has been reported as a past due balance i do not know this company, i have never done any business with this company, this company does not have a contract with my signature Should MUTUAL MANAGEMENT claim to have a contract, then it is within my legal rights to ask for verification details : 1. The name and job title of the witness when the contract was signed 2. The date they claim to have received my signed contract Please also attach documentation to support the verification of these claims. Thank you for your assistance with this matter. XXXX XXXX XXXX
03/29/2023	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt was result of identity theft	TX 78232	Web
Resubmitting this as a separate complaint after speaking with CFPB. There is a collections amount on my credit report that is not mine, and I believe is connected to identity theft. The collections amount is currently listed as {$20000.00} as of a credit report I requested to be run on XX/XX/2023. The collections agency is listed as " Mutual Management Services LLC, '' and the original creditor is listed as " XXXX XXXX XXXX XXXX. '' I don't know how many ways I am able to express that this collections amount does not belong to me. I believe it to be the result of identity theft, and am opening this complaint to document this as such so that an investigation can resolve this issue. I would like to be very cooperative in this process, as it has been very violating to learn that someone has been stealing and misusing my identity.
11/22/2022	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Account information incorrect	GA XXXXX	Web
Last XX/XX/2022, my credit score dropped XXXX points. I checked and a company called Mutual Management Services reported an account on my credit and said that I owed {$2200.00} to an apartment complex. I advised them that I did not owe that to this company. I provided proper notice and moved out because of maintenance problems. However, in an effort to remove it from my credit, I paid the company {$960.00}. They never gave me credit for paying the {$960.00}. Each time I dispute the account, the collection company reports to the credit bureau that the account is accurate. I am requesting a copy of my signed lease because I do not believe that I owed any one the money that this collection company claims. I believe that the maximum I would have had to pay would have been an early termination fee and I have paid that already.
06/08/2020	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt was paid	NY 120XX	Web
I was a resident of XXXX XXXX apartments in XXXX XXXX Florida. My son came down to stay with me temporarily while he established housing. Management asked for me to leave based on people reported living in household. I spoke with them stating he would only be there temporarily. Finally, they sent me noticed that they were cancelling my lease and I would have to leave. I complied leaving them with apartment in better condition than moving in and a security deposit of {$1300.00}. I spoke with collection agency on several occasions and they refused to hear any dispute and I was told collection would continue. In addition, they are increasing the amount of collection as time passes and it continues to show on my credit report after 4 years. I owe nothing. I should be showing a {$1300.00} credit. Thank you.
12/01/2016	Yes	Debt collection Other (i.e. phone, health club, etc.)	Cont'd attempts collect debt not owed Debt resulted from identity theft	TN 38106	Web
I have been a victim of Identity theft since 2004, this has caused so many problems in my life. My purse was stolen and my identity has been used in so many ways. Many accounts have been open in my name still to this day and I have been contacting companies and disputing with the companies and the credit bureau for over 10 years. Once I contact the company and provide documentation they would remove the debt, later down the line maybe six months later the debt will appear again. I have become very frustrated with these companies because I have put fraud alerts on my credit report and still have XXXX to XXXX inquiries on my credit report. PLEASE HELP ME!!!
10/02/2017	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt was paid	FL 33076	Web	Servicemember
While renting a property unit from The XXXX XXXX, I was required to give 30 days written notice before vacating. I did so. The XXXX XXXX did not acknowledge the XXXX days I gave them and they put my account in collections with XXXX different collection companies. The company called Mutual Management in XXXX, FL has been reporting my account in collections even though I have provided proof of cancellation well over the 30 days their client required. It was also noted that their client did not apply any of my Security Deposit to this alleged debt. Mutual Management has been unresponsive and will only speak or communicate with me if I pay their fee.
02/02/2023	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt was result of identity theft	FL 33018	Web
In XXXX I was a victim of identity theft and they opened an account with treasures on the bay. I have already sent letters from the FTC, I have called them and I have explained that this account was not opened with my authorization. Unfortunately, in my physical condition, I can not report to a police station because I have XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX For this reason, under the FCRA laws that protect me as a consumer, I need XXXX XXXX Bank to delete that account from my credit profile. Thank you, XXXX XXXX
11/23/2022	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Account information incorrect	GA XXXXX	Web
I have submitted a complaint and it was closed. This company stated that they applied the {$960.00} to my balance in XX/XX/2022 and they did not. In addition, they did not present a signed company of lease agreement and the lease agreement is crucial to the determination of this matter. It is my argument that I have paid these people in full. They have put this on my credit in an attempted to create a hardship for me and to force me to pay money that i do not owe.
05/27/2023	Yes	Debt collection Other debt	False statements or representation Attempted to collect wrong amount	TX 76227	Web	Servicemember
This apartment complex is claiming not only that I lived there, but that I broke a lease with them and owe them money. They have illegally obtained a third-party collection agency to destroy my credit and collect on a debt that I do not owe. This collection agency has furnished no proof that this is a valid debt, nor that this debt is mine. I am demanding that this apartment complex retract all erroneous attempts to collect on the false alleged debt immediately.
10/01/2017	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt was result of identity theft	TN 38106	Web
I have contacted this company on numerous occasion about this problem!! I am not responsible for this collection account! This account was open fraudulently with my personal information and identification. I 've sent in the police report and affidavits that they requested!! This same account was with another collection company and it was removed from my credit!! And now this account is back on my credit with different collection agency!!
08/05/2018	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt is not yours	FL 33150	Web
I have called this company many times and have told them that the information reported on my credit report is not accurate and does not belong to me. Yet they have taken no action and continue to report the inaccurate information on my report. They threaten to increase reported amount of I do t pay them. Unnecessary threats are being utilized as a tactic for them to receive payment for something that is not mine.
11/22/2023	Yes	Debt collection Other debt	Written notification about debt Didn't receive enough information to verify debt	IL 60438	Web
The debt collector failed to send communication regarding the debt, introduction of who they are, what the debt is for, and my right to dispute. They just appeared on my credit report without notice. They must abide by the regulations and validate the debt. This has not been done. How did this debt collector, even have access to my credit report without the proper protocols and regulations?
01/03/2022	Yes	Debt collection I do not know	False statements or representation Attempted to collect wrong amount	FL 32174	Web
The XXXX XXXX and its Manager XXXX XXXX reported false statements to the 3 Bureau Credit Agencies XXXX, XXXX and XXXX claiming the amount of {$3600.00} for breaking an apartment lease contract. In reality both parties were well informed in writing the non renewal of the lease and the reasons why we forced to move out of the unit on XX/XX/2021 before lease expiration XXXX XX/XX/2021.
06/15/2021	Yes	Debt collection I do not know	Written notification about debt Didn't receive enough information to verify debt	MN 55422	Web
I have not been notified of this collection, I have never received a message nor have they provided me with any proof that I owe them, this collection that appears in my credit report affects me directly since it damages my score and my credit history, I consider this a violation since they have not contacted me and only uploaded it to my report.
01/30/2024	Yes	Credit reporting or other personal consumer reports Other personal consumer report	Incorrect information on your report Information is incorrect	FL 33071	Web
The information listed below was added to my credit report without my consent. Please verify if this information is correct or Im requesting that it is removed from my credit report. According to the Fair Credit Reporting Act ( FCRA ).
12/14/2023	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt was result of identity theft	FL 33308	Web

10/11/2023	Yes	Credit reporting or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	FL 33069	Web	Servicemember

10/01/2023	Yes	Debt collection Rental debt	Attempts to collect debt not owed Debt is not yours	GA 30324	Web

08/13/2023	Yes	Debt collection I do not know	False statements or representation Impersonated attorney, law enforcement, or government official	FL 33069	Web

06/02/2023	Yes	Debt collection Other debt	False statements or representation Attempted to collect wrong amount	FL 33169	Web

05/17/2023	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt was result of identity theft	FL 33324	Web

02/05/2023	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt is not yours	FL 33054	Web

01/18/2023	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Improper use of your report Reporting company used your report improperly	FL 34986	Web

12/05/2022	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt was result of identity theft	FL 33027	Web

11/26/2022	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Account status incorrect	FL 33027	Web

04/11/2022	Yes	Debt collection Other debt	Communication tactics You told them to stop contacting you, but they keep trying	FL 33511	Web

02/14/2022	Yes	Debt collection I do not know	Took or threatened to take negative or legal action Threatened or suggested your credit would be damaged	FL 33033	Web

02/13/2022	Yes	Debt collection I do not know	Took or threatened to take negative or legal action Threatened or suggested your credit would be damaged	FL 33033	Web

10/22/2021	Yes	Debt collection Other debt	Written notification about debt Didn't receive enough information to verify debt	FL 32310	Web

05/20/2021	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt was result of identity theft	FL 33136	Web

05/07/2021	Yes	Debt collection I do not know	Written notification about debt Didn't receive enough information to verify debt	FL 34711	Web

05/01/2021	Yes	Debt collection I do not know	Written notification about debt Didn't receive enough information to verify debt	FL 34711	Web

12/16/2020	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt is not yours	MI 48134	Web

05/22/2020	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt is not yours	CA 90027	Web

11/18/2019	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Account status incorrect	FL 33463	Phone

06/07/2019	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit repair services	Fraud or scam	FL 33028	Web

12/11/2018	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt is not yours	FL 33160	Referral

11/27/2018	Yes	Debt collection Other debt	False statements or representation Attempted to collect wrong amount	FL 33067	Phone

02/13/2018	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt was paid	FL 33040	Web

08/17/2016	Yes	Debt collection Other (i.e. phone, health club, etc.)	Disclosure verification of debt Not given enough info to verify debt		Referral

07/15/2016	Yes	Debt collection Other (i.e. phone, health club, etc.)	Cont'd attempts collect debt not owed Debt is not mine	SC 28054	Phone

07/13/2016	Yes	Debt collection Other (i.e. phone, health club, etc.)	Disclosure verification of debt Right to dispute notice not received	TN 38141	Web

06/27/2016	Yes	Debt collection Other (i.e. phone, health club, etc.)	Communication tactics Threatened to take legal action	FL 33176	Web

06/21/2016	Yes	Debt collection Other (i.e. phone, health club, etc.)	Disclosure verification of debt Not given enough info to verify debt	FL 33487	Web

03/09/2016	Yes	Debt collection Other (i.e. phone, health club, etc.)	Cont'd attempts collect debt not owed Debt is not mine	TN 38018	Web