National Business Factors CFPB Complaints

2000 Latest Complaints

Date Received	Timely Response	Product	Issue	State / Zip	Submitted Via	Tags
07/22/2015	Yes	Debt collection Medical	Disclosure verification of debt Not given enough info to verify debt	NV 894XX	Web
I requested NATIONAL BUSINESS FACTOR to verify and validate this claim and i only received an itemization of charge not signed or showing any legal documentation. postmarked from XXXX. I then went to the hospital where this bill was from. They couldnt find it in there system. They called NATIONAL BUSINESS FACTOR they told them to tell me to talk to them, i have been talking to them and i ; m not getting anywhere with them, just pay the bill. my second dispute going out todayREQUEST FOR VALIDATION OF DEBT XXXX NOTICEDear XXXX, I have not received items that I have requested from my first NOTICE OF DISPUTE, should I remind you of, Title 8 USC 809. Validation of debts [ 15 USC 1692g ] ( b ) If the consumer notifies the debt collector in writing within the thirty-day period described in subsection ( a ) that the debt, or any portion thereof, is disputed, or that the consumer requests the name and address of the original creditor, the debt collector shall cease collection of the debt, or any disputed portion thereof, until the debt collector obtains verification of the debt or any copy of a judgment, or the name and address of the original creditor, and a copy of such verification or judgment, or name and address of the original creditor, is mailed to the consumer by the debt collector. I am unaware of any contract creating an obligation or indebtedness to XXXX XXXX XXXX XXXX, or Debt Collector Company NATIONAL BUSINESS FACTOR. So that I may further assist you, I am requesting that you validate the debt. Validation differs from verification, whereas I am challenging the authenticity of debt you are attempting to collect. Provide me with a true copy of the authenticated contract with my signature at the address provided above, as well as the other relevant information requested below Please furnish a copy of the original promissory notes redacting the assigned social security number from which the alleged debt arises. Please produce the accounting and general ledger statements showing the full accounting of the alleged debt that you are now attempting to collect. Please identify by name and address all persons, corporations, associations, or any other party having an interest in legal proceedings regarding the alleged debt. Please verify under penalty of perjury, that as a debt collector, you have not purchased evidence of the debt and are proceeding with collection activity in the name of the original maker of the note. Please verify under penalty of perjury that you know and understand that certain clauses in a contract of adhesion, such as so-called forum selection clauses, are unenforceable unless the party to whom the contract is extended could have rejected the clause without impunity. Please provide verification from the stated creditor that you are authorized to act for them. Please review XXXX XXXX. Please provide me with all billing statements and attempts to bill my insurance company, stating dates and times and provide me with my insurance name and number on file. Please verify that you know and understand that contacting me again after receipt of this notice without providing procedurally proper validation of a debt constitutes the use of interstate communications in a scheme of fraud by advancing a writing which you know is false with the intention that others rely on the written communication to their detriment. Please limit your communication with me to writing only signed by investigator or any person communication in behalf of National Business Factor.
02/17/2021	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Account information incorrect	CA 94523	Web
XXXX XXXX XXXX XXXX Balance : {$340.00} - This account has several violations : You are reporting past due balance on a closed account, you are reporting late payments after this account was closed, you are reporting incorrect Balance, you are reporting an incorrect past due amount. These are ALL violation please delete account Immediately. THE BUREAUS ( Original Creditor : 01 XXXX XXXX XXXX XXXX XXXX ) XXXX Balance : {$560.00} - This collection account has been re-aged and is being reported past the legal time allowed. Also, provide me with a breakdown of the fees & authorization because I did not agree to have any of my information shared. XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX Balance : {$380.00} - This account has been transferred/sold, but you are still reporting this account with the original creditor. You are reporting this inaccurately. Delete Immediately. XXXX XXXX XXXX ( Original Creditor : XXXX XXXX ) XXXX Balance : {$59.00} - The creditor information is missing. Please remove due to failure to identify the creditor Name address or phone number. Account can not be verified. XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX Balance : {$550.00} This account has been transferred and you're still reporting the original creditor. You are reporting this account twice. This account has been re-aged and is currently showing the incorrect open date and the incorrect date of the last activity. These are all violations so please DELETE Immediately. XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX Balance : {$120.00} This account Belongs to someone else. This is not my account. Provide me specific data to prove that it belongs to me or remove it accordingly. Medical XXXX Balance : {$29.00} - This medical account has been re-aged and is being reported past the legal time allowed. Also, provide me with a breakdown of the fees & HIPAA authorization because I did not agree to have any of my medical information shared. Medical XXXX Balance : {$43.00} - This account has been transferred/sold, but you are still reporting this account with the original creditor. You are reporting this inaccurately. Delete Immediately. XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX Balance : {$270.00} - In this collection, there should not be any outstanding bills as ALL bills are covered under my compensation insurance. This is inaccurate. Please provide me with a breakdown of the fees or delete this. XXXX XXXXXXXX Balance : {$860.00} Creditor agreed to remove this account from my report after payment was made. This account has been paid and it's still on my credit report.
07/27/2015	Yes	Debt collection Medical	Cont'd attempts collect debt not owed Debt was paid	CA 961XX	Web
I was delinquent in paying a debt to XXXX XXXX XXXX XXXX for an emergency ambulance ride. Incidentally, I did call the Fire Department directly shortly after the date of service and attempted to pay over the phone. At that time, they did not have an electronic system in place to accept payment via debit/credit card and requested that I send in a check, which I did not do. I called back last month and attempted to pay the debt directly to them and they advised that they had already sent the account to collections with National Business Factors. As the debt was sent to National Business Factors , Inc., I was contacted via writing by them. Within ten days of receiving their collection letter, I contacted National Business Factors , Inc. directly and paid the original debt in its entirety. I refused to pay the interest as I did not enter into a contract with National Business Factors , Inc. and felt I had paid the bill completely. The bill from XXXX XXXX XXXX XXXX was for {$350.00} and on XXXX/XXXX/2015, this amount was paid to National Business Factors , Inc. I continued ( and still do ) to receive phone calls and letters from the collection agency threatening to ruin my credit if I do not pay the interest, which they report continues to accrue daily. I have contacted the collection agency on numerous occasions citing my belief that legally I do no owe this debt as I have not entered into a contract with them, therefore they can not charge me this interest. I have consulted the internet and state laws to learn that I am not legally responsible for this debt. They are aggressive with me when I attempt to communicate with them and continue to threaten my credit worthiness. The amount in question is only {$25.00}, though that compounds daily so is likely higher at this point. I am protesting out of principle, certainly not out of inability to pay the amount. I disagree with their collections tactics and do n't feel I owe this debt. Is it legal for a XXXX party collection agency to hold me responsible to them for their interest after the debt has already been paid off completely? And continue to compound the debt after the original debt has been paid? I 've attempted to attach supporting documents such as the original bill as well as evidence of payment and letters from National Business Factors but this system will not allow PDF files to be uploaded - I tired XXXX times and it freezes the system. I 'm happy to provide documentation if requested via email attachment.
10/05/2023	Yes	Debt collection Medical debt	Took or threatened to take negative or legal action Threatened or suggested your credit would be damaged	NV 894XX	Web	Servicemember
The medical date of service in dispute is XX/XX/XXXX for XXXX at XXXX XXXX XXXX ( CTH/provider ). I communicated with CTH for months regarding their billing errors between my primary ( XXXX ) and secondary ( XXXX XXXX ) insurance companies. Providers often bill the XXXX XXXX as primary and it causes delays in payment or denials, etc. as happened in this case. I notified XXXX in writing and via telephone that this bill needed to be billed properly. They finally rebilled XXXX XXXX and it was denied. However, the Explanation of Benefits statement indicates, " We have denied all or part of this claim. However, you ( meaning me the patient ) are not responsible for paying the billed amount because you received this service from an XXXX XXXX XXXX ( PPO ) provider ... '' and " my share '' shows as " XXXX ''. Therefore, I am NOT responsible for this medical debt. I ironically tried to make " good faith '' payments to AVOID going to collections as I had hoped they would get the billing corrected and accept XXXX XXXX 's decision. However, XXXX simply REFUSED to accept that XXXX XXXX denied this claim and still refuses to adjust the bill based on the fact that I have two insurance companies. They have been paid and they are not owed any additional monies. Despite this, CTH and National Business Factors continued to harass me, send bills, and ultimately reported me to the credit reporting agencies in XXXX of XXXX. This was despite all of my efforts to communicate, provide documentation and act in good faith. The bottom line is that I do not owe anything additional for this date of service. In fact, I am owed a refund of {$150.00} in good faith payments I made in error. National Business Factors used coercive debt collection tactics and did not communicate properly with me. They placed the account in " dispute status '' pending the " outcome of their investigation '' in XXXX of XXXX. I never received notification of the outcome of their investigation. Instead, they reported me to the credit reporting agencies and my excellent credit score of XXXX was reduced by XXXX points. I feel harassed. I feel like National Business Factors acted illegally in terms of fair debt collection practices. Both XXXX XXXX XXXX and National Business Factors have caused me financial hardship and stress plus damage to my credit score. I no longer use XXXX XXXX XXXX due to their harsh billing practices and unwillingness to communicate with patients regarding disputed accounts.
04/04/2020	Yes	Debt collection Medical debt	Attempts to collect debt not owed Debt is not yours	NV 894XX	Web
On XX/XX/XXXX, National Business Factors reported a delinquent balance and collection account to credit reporting agencies in the amount of {$130.00}. We reviewed are records and could not locate any previous information of this collection attempt, alledgedly taking place around XXXX of XXXX. I may have documentation about this, but would have disputed and requested for verification. NBF would have not have been able to validate the collection attempts. On XX/XX/XXXX they were notified that they failed to validate the debt and to stop collection attempts. We received a letter dated XX/XX/XXXX from NBF stating that they are unable to locate the collection attempt and that they needed more information. We provided all information noted on the credit report for the collection attempt. NBF has done one of the following, 1 ) NBF failed to notify us of this collection attempt. Therefore, we dont have the information you are requesting to identify the account. I highly doubt that NBF is unable to determine the account we are referencing since NBF reported it to the credit agencies, without just cause. I imagine a person with a low IQ would be able to find this account in your system with limited or no training. In previous correspondence that we sent, there was enough identifiable information included for NBF to find the account. 2 ) NBF failed to respond and properly validate such collection attempt. NBF has sent other collection notices and for each one, have failed to provide proper validation. NBF does NOT verify their collection attempts. They send a form letter stating that we should receive information directly from the company they are attempting to collect for. At no time has NBF properly validated their collection attempts and have reported to credit agencies without proper cause, which has resulted in financial hardship and likely denial of credit during a time when credit is needed. NBF needs to be investigated for their collection attempts. I imagine many others have attempted to get proper verification and have failed to receive it, but NBF continues collection attempts. I hope CFPB will investigate and fine NBF as appropriate for each violation. NBF also uses different letter head, fonts and names with its correspondence which makes it very confusing and difficult to know what they are writing about.
11/27/2018	Yes	Debt collection Medical debt	Written notification about debt Didn't receive notice of right to dispute	NV 89431	Web
This is a complaint about two Bad Actors who purposefully, willfully and knowingly conspired to injure my credit standing under false pretenses. On XX/XX/XXXX I was transported via ambulance ( XXXX ) to a hospital due to a accident. At the time of transport, I was requested to and provided current state identification and medical insurance cards. To date, I have not received a bill nor request any other written notification from XXXX requesting payment for any outstanding debt owed. All identification provided contained accurate current contact and mailing information. Despite having accurate information, XXXX employed a rouse to injure my credit score and rating by sending all notices to a General Delivery Post Office address USPS in XXXX, Nevada -- a township where I did not reside, despite having my address. When the mail was returned from General Delivery as undeliverable XXXX then, forwarded it to it's claim Collections debt ( National Business Factor ) -- despite my being completely unaware of any communication. Meanwhile, the attorney who was handling the case that originated on XX/XX/XXXX, had contacted any and all creditors regarding payments arising from this incident. However, because of XXXX 's actions he was unaware and therefore unable to contact them. He can testify to this. But XXXX 's actions were purposed to cause a greater harm in collaboration with their partner : National Business Factor, Collections -- they used my social security number to post a negative report to all three credit bureaus. I believe their actions evince an unfair debt collection practice and pattern with specific intent to do harm. The only reason I know know of their action is because I happened to be checking credit reports when I was noticed of a 25 point drop. I have the alerts/correspondences from my monitoring. National Business Factor has never ever written, called or communicated with me prior to my contacting them on XX/XX/XXXX. National Business Factor claims it can have this removed from the credit agencies swiftly and with just a letter. The agencies state that even if, paid or otherwise cleared, the information will remain on the credit report for 7-10 years. I have been harmed and am aggrieved and thus am seeking a remedy at law and in equity.
11/03/2021	Yes	Debt collection Medical debt	Attempts to collect debt not owed Debt is not yours	WA 98118	Web
I received care from minor emergency in XXXX XXXX XXXX on XX/XX/2020. That care cost was {$420.00} and {$160.00} of that was covered by my insurance provider ( this can be seen in the XXXX attached ). This left me with a responsibility of {$250.00} to be paid to the provider. I use an HSA through connect your care powered by XXXX. I have paid many medical bills through this process over the past 5 years with no issues until this one. Also attached below is the proof of payment of the {$250.00} owed paid via my HSA account. More than 6 months after this payment was confirmed in XX/XX/2020, I received a collections account report on my credit report ( attached as well ) for the exact amount that I have confirmation/proof of payment. I attempted to reach out to National Business Factor and the XXXX XXXX XXXX to resolve this issue, and both organizations refused to respond to my requests. I engaged a credit lawyer in XXXX and he sent mail to both National Business Factor and XXXX with months of engagement there has still been no resolution. Reponses received on XXXX : In your complaint, you listed that you paid XXXX XXXX XXXX, we do not collect for that entity. This bill is from XXXX XXXX XXXX, located in XXXX XXXX XXXX, California. The proof of payment you provided shows you paid XXXX XXXX XXXX XXXX XXXX, which is not XXXX XXXX XXXX. My client and myself have researched your claim of payment and they do not have a record of such a payment. Please forward a copy, front and back, of the check that you issued to see who cashed it. This will aide in locating the payment. Currently your account is on a hold status for the next 30 day. If we do not here from you within the next 30 days this account will resume normal collection activities. I did not receive care from XXXX XXXX XXXX. I will provide the attachments again mentioned above to show the exact same amount that was issued by XXXX XXXX XXXX ( the place I received care ), that was then promptly paid. I have still recieved no notice of debts owed or unpaid bill/debt from National Business Factor OR XXXX XXXX XXXX XXXX
12/15/2021	Yes	Debt collection Medical debt	Written notification about debt Notification didn't disclose it was an attempt to collect a debt	WA 98118	Web
I received care from minor emergency in XXXX XXXX XXXX on XX/XX/2020. That care cost was {$420.00} and {$160.00} of that was covered by my insurance provider This left me with a responsibility of {$250.00} to be paid to the provider. I use an XXXX through connect your care powered by XXXX. I have paid many medical bills through this process over the past 5 years with no issues until this one. More than 6 months after this payment was confirmed in XX/XX/2020, I received a collections account report on my credit report for the exact amount that I have confirmation/proof of payment. I attempted to reach out to National Business Factor and the XXXX XXXX XXXX to resolve this issue, and both organizations refused to respond to my requests. I engaged a credit lawyer in XXXX and he sent mail to both National Business Factor and XXXX with months of engagement there has still been no resolution. The only way I have been able to get response to any request is through this system as National Business Factor phone lines are always busy ( I have tried more than XXXX times now ), and the doors are locked ( Yes... I actually went in person ). After almost 9 months of continued efforts, I have finally gotten all of the relevant documents to see what the debt is and how my insurance failed to pay the correct provider. My insurance XXXX account showed paid and never realized the check was never cashed by the provider. I am now looking to pay the debt and have the collections removed from my credit report as this was an error by the XXXX provider AND the only reason it got to this point was the failure of communication from National Business Factor.
03/12/2021	Yes	Debt collection Medical debt	Attempts to collect debt not owed Debt is not yours	CA 95682	Web
A medical bill was found on my credit report from XX/XX/XXXX from National Business Factors Inc. ( file # XXXX ) ( XXXX ) XXXX by XXXX XXXX ( manager ) for charges incurred while I was XXXX in the XXXX XXXX County XXXX in XXXX XXXX XXXX XXXX CA on XX/XX/XXXX. As an XXXX in custody ( XXXX XXXX XXXX XXXX @ XXXX ) is under contract with the county of XXXX XXXX and the State of California to provide medical care for XXXX while XXXX The charges were incurred from XXXX XXXX while in XXXX XXXX XXXX custody. I was homeless and in custody during this time. I was XXXX on XX/XX/XXXX and was released on XX/XX/XXXX. This bill should not be billed to my credit report as my insurance benefits ended upon XXXX and were then covered by the XXXX provider. XXXX XXXX XXXX XXXX XXXX @ XXXX. I have been unsuccessful in getting any support or response from the XXXX provider, but was informed by XXXX XXXX that the claim was not settled. XXXX from XXXX XXXX County XXXX informed the insurance company that I was not in custody during this time while making contact with the insurance company on XX/XX/XXXX. I have a Department of Justice report proving that I was in custody when the incident occurred. This account should be covered by the State of California, and County of XXXX XXXX. This bill has devastated my credit as well as caused my family extreme hardship during COVID 19.
07/22/2023	Yes	Debt collection Medical debt	Written notification about debt Didn't receive notice of right to dispute	MI 48238	Web
NATIONAL BUSINESS FACTOR XXXX XXXX XXXX XXXX XXXX, NV XXXX ( XXXX ) XXXX Once again ; I have never incured debt with XXXX Nevada XXXX XXXX XXXX I have disputed this successfully with both XXXX and XXXX ; XXXX, for some reason they are still on my Trans Union report XXXX I have no clue why they would bill me for XXXX separate instances XXXX years apart. Especially when XXXX has already removed some reports with regards to alleged debts to XXXX Nevada XXXX XXXX. At the time of the alleged debt that was incured I had full medicaid for myself and my family and had for many years prior. Even if there was medical services rendered- it should have been well handled by my XXXX. This is clearly a billing error that I was not aware of and then was pushed to collections. What's more this is an open ended non contractual debt ; which in Nevada, the statute of limitations states that it can only be collected and reported upon for XXXX years after the service was rendered or last payment recieved. As most companies take a minimum of XXXX to XXXX months to collect debt privately and this debt was accquired by XXXX XXXX XXXX of XXXX Nevada on XX/XX/2018 it would make it WELL beyond statute for both unsecured open ended debt of 4 years and be very close to the end of Statute for written and secured closed end debt contracts in the state of Nevada.
04/02/2018	Yes	Debt collection Medical debt	Attempts to collect debt not owed Debt is not yours	CO 80113	Web
National Business Factors through previous complaints with CFPB has agreed to delete this item from my credit file. This dispute has been going on since XX/XX/XXXX and more recently through a letter sent to National Business Factors ( which have gone unanswered ) via certified mail received on or about XX/XX/XXXX. XXXX and XXXX as of late XX/XX/XXXX state National Business Factors have verified the information is reporting correctly on my credit report instead of deleting the item as National Business Factors have promised. I did receive notice from XXXX that the item was deleted on XX/XX/XXXX. I am willing to try this one more time ( 30 more days ) to allow National Business Factors to DELETE this item from ALL my credit reports. However, at the end of the 30 days if the item remains on my credit reports I will be forced to file in Colorado Federal and civil court to enforce my rights under the FCRA and FDCPA. I was declined for a Mortgage partially due to this item on my credit report. I pay higher insurance premiums and have high interest rates on my credit cards because of this item. I have been financially harmed now in the hundreds of thousands of dollars and will seek damages in at least that amount as well as punitive damages.
10/26/2021	Yes	Debt collection Medical debt	Attempts to collect debt not owed Debt was paid	WA 98118	Web
I received care from minor emergency in XXXX XXXX XXXX on XX/XX/2020. That care cost was {$420.00} and {$160.00} of that was covered by my insurance provider ( this can be seen in the XXXX attached ). This left me with a responsibility of {$250.00} to be paid to the provider. I use an XXXX through connect your care powered by premera. I have paid many medical bills through this process over the past 5 years with no issues until this one. Also attached below is the proof of payment of the {$250.00} owed paid via my XXXX account. More than 6 months after this payment was confirmed in XX/XX/2020, I received a collections account report on my credit report ( attached as well ) for the exact amount that I have confirmation/proof of payment. I attempted to reach out to National Business Factor and the XXXX XXXX XXXX to resolve this issue, and both organizations refused to respond to my requests. I engaged a credit lawyer in XXXX and he sent mail to both National Business Factor and XXXX with months of engagement there has still been no resolution.
11/08/2023	Yes	Debt collection Medical debt	Attempts to collect debt not owed Debt was result of identity theft	CA 94541	Web
In XXXX I was a victim of identity theft. XXXX XXXX XXXX in XXXX, CA sent medical bills amounting in over {$6900.00} into collections originally through XXXX. This was done by a parent whose child was XXXX XXXX ( XXXX XXXX XXXX ) at an address Ive never lived before! The credit bureaus still refuse to remove this address after multiple attempts. I filed a police report with XXXX, ca police department and did an identity theft with the federal trade commission on XX/XX/. After completing this lengthy process this debt was removed from my credit. It seems that after XXXX closed it they sold the debt to another collections agency National Business. I disputed these accounts and the credit bureaus are refusing to remove it from my credit! So Im a victim of identity theft and these collections agencies can continue to sell these debts and put it on my credit again and again! I need help. Every time I call the creditors they arent able to find my information because its not ME. It happened with XXXX and now financial.
04/06/2020	Yes	Debt collection Medical debt	Communication tactics Used obscene, profane, or other abusive language	WA XXXXX	Web
NATIONAL BUSINESS FACTOR submitted an account to all three credit bureaus this morning for collection. Original creditor was XXXX XXXX XXXX, I was a victim of a hit-and-run car accident by a drunk driver last spring. NATIONAL BUSINESS FACTOR said that because I was an out of state client they're not authorized to initiate communication via phone or mail prior to reporting the collection to my credit. When speaking with the supervisor she became hostile, cursing and raising her voice at me saying " WELL YOU KNOW XXXX XXXX WELL COVID19 ... BLAH BLAH BLAH '' ... I stopped listening after this. When I asked to speak with the director ( since she was the supervisor ) they just rerouted me to another rep, they also refused to delete the account if I wouldn't pay the interest - I feel that the lack of willingness to get my account settled was retaliation for being unwilling to accept the supervisor being verbally abusive. NATIONAL BUSINESS FACTOR SUPERVISOR : XXXX XXXX XXXX THAT CLOSED ACCOUNT : XXXX XXXX
05/24/2022	Yes	Debt collection Medical debt	Attempts to collect debt not owed Debt was already discharged in bankruptcy and is no longer owed	NV 89521	Web
After I received medical care through XXXX XXXX XXXX XXXX during a previous emergency room visit, through no fault of my own, provider did not submit bill to insurance company correctly or in a timely manner resulting in their claim being denied for timely filing. Provider then falsely turned debt over to collection agency, XXXX XXXX XXXX, and both provider and collections agency still reporting debt on my credit report even after they have been notified that I am NOT financially responsible for the bill per the providers agreement with the insurance provider. Both provider and collections agency have been provided copies of claim status from insurance agency indicating I have zero responsibility for bill and yet refuse to remove from credit report. This has negatively impacted my credit and has cost me greatly in terms of loans and rates which I can not get due to their false and misleading reporting of the false debt.
02/17/2020	Yes	Debt collection Medical debt	Took or threatened to take negative or legal action Threatened to sue you for very old debt	NV 894XX	Web
National business factors in XX/XX/XXXX repeatedly call my place of employment and home 7 to 8 Times a day stating I would be garnished and bank account froze if I did not set up a payment plan. I never received notice of these bills from XXXX XXXX XXXX XXXX but I had taken my children there due to emgenecies out of my control and I had no income or job but could not get the XXXX approved. Once I had a job they kept calling and threatening garnishment of my paychecks if I did not set up a payment plan which eventually I did and paid XXXX a month for 2 years but yet none of the medical debt went away and barely paid off. XX/XX/XXXX they started harrassing me for another payment plan stating the other one did not count and I were to be garnished again they kept calling my work and my phone I had to get a new phone number and bank account to stop it.
06/21/2021	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	NV 89506	Web
I sent in my police report and my affidavit to the three credit bureaus that is enclosed with this complaint. I contacted XXXX and XXXX Fraud department who asked me to send in my fraud package. After sending to them they did not comply with anything and said they dont have to block the fraudulent account even after providing police dept and filing a police report and identity theft affidavit. They sent me some generated latter saying if i want to block the fraudulent account to send in my Police report affidavit that i have already provided them. I have done everything in my power to fix this fraudulent information that has caused me great damage and embarrassment also with emotional distress, Defamation of character. They claim the collection agency verified this fraudulent account yet i never received anything from the collection agency.
05/13/2022	Yes	Debt collection Medical debt	Written notification about debt Didn't receive enough information to verify debt	TX 786XX	Web
On XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX I have requested verification or validation of this medical debt in question that's on my report. I have not received verification from the collection agency. It also appears that the collection agency did not report the validation or verification request to the bureaus as required under the FCRA and FDCPA. On XX/XX/XXXX I requested for the fourth time documentation including HIPPA release information about this debt. I do not recall giving the original creditor permission to release my medical information. National Business Fact has failed to do that currently. I also still see on my credit report attached that has not been reported to the bureaus still as disputed I see multiple violations here and this needs to be public information. Please see evidence attached.
05/07/2019	Yes	Debt collection Medical debt	Communication tactics Frequent or repeated calls	NV 894XX	Web	Older American
I've been receiving constant calls from National Busness Factors from a woman named XXXX from XXXX to XX/XX/2019. I was making $ XXXX/mo payments on medical bills that she said totaled {$1200.00}. I asked to be sent a listing of them and she said she couldn't provide paperwork. When she couldn't reach me by phone, she would immediately called my husband at work. I asked multiple times that she NOT call my husband, but not only did she continue, she called him and threatened that even though the medical bills were mine, they could garnish his paycheck. She also told my husband she couldn't provide paperwork. She told my husband today (XX/XX/2019 ) that the bills totalled {$2700.00}. All I want is proof that the bills they have on my account are actually my bills, and what bills my payments have gone to.
02/23/2018	Yes	Debt collection Medical debt	Attempts to collect debt not owed Debt is not yours	CO 80113	Web
XXXX XXXX XXXX is trying to collect a debt not owed. I have contacted them numerous times started back in XX/XX/XXXX. I disputed this debt with the CFPB, and XXXX XXXX XXXX stated they would delete the item from my credit file. Please see attached document showing this. I recently certified another letter to XXXX XXXX XXXX which was signed for on XX/XX/XXXX. I have yet to receive a response to me letter that requested they respond to my concerns. I disputed this item from my credit reports and XXXX is the first to respond. XXXX states that XXXX XXXX XXXX has verified the information as accurate and to not delete the item from my report. I am providing you a copy of this response from XXXX. XXXXXXXX XXXX XXXX has misrepresented what they intended to do to you both the CFPB and myself.
03/19/2020	Yes	Debt collection Medical debt	Communication tactics You told them to stop contacting you, but they keep trying	CA 94541	Web
I submit a debt validation request dated Monday, XX/XX/2020 and did not receive a letter back from NBF until XX/XX/2020. In the letter it only states they spoke to their client and their client is not a contracted provider with my insurance. This answered few if any of the requests in the debt validation request dated Monday, XX/XX/2020. In addition, I started receiving phone calls from them on XX/XX/2020 and per my understanding it is a violation of the collection practices act for a debt collector to fail to respond to a verification letter. I completed additional investigation and found multiple complaints and lawsuits against NBF for similar circumstances, please see below for sources : XXXX XXXX XXXX : XXXX : XXXX Roth Et Al V. National Business Factors Inc. of Nevada XXXX XXXX XXXX
07/11/2023	Yes	Debt collection Medical debt	Written notification about debt Didn't receive enough information to verify debt	OH 43220	Web
On XX/XX/23 I received an alert from XXXX XXXX that a collection had been posted to my credit report. I logged on to XXXX XXXX and verified that a collection from National Business Factors Inc had been posted to my credit report. I never received anything in the mail or via a phone call prior to this telling me there was a collection of any kind, or any of the same for the initial debt prior to it going into collection. Also on XX/XX/23 I drafted and mailed a verification of debt request letter via USPS priority mail with tracking number XXXX XXXX XXXX XXXX XXXX XXXX. The tracking says the letter was delivered on XX/XX/23. I have received no response to my letter or any information about the nature of the debt. The amount of the collections balances continues to increase.
06/20/2021	Yes	Debt collection Medical debt	Attempts to collect debt not owed Debt was result of identity theft	NV 89506	Web
I am a victim of identity theft .This collection agency is not only reporting fraudulent account but also aware that is account is fraudulent in deed. I sent my police report and my FTC affidavit that i received from the Federal Trade Commission. They keep verifying this fraudulent accounts and are. I have never had any goods or services with NATIONAL BUSINESS FACT ACCT XXXX AND NATIONAL BUSINESS FACT ACCT XXXX or their affiliates XXXX XXXX XXXX XXXX they are knowingly and willingly reporting this fraudulent accounts and verifying them. They have caused me great damage and embarrassment also with emotional distress. I have also never received any Correspondence after sending the agency numerous disputes.
04/15/2016	Yes	Debt collection Medical	Taking/threatening an illegal action Attempted to/Collected exempt funds	NV 894XX	Web	Older American, Servicemember
I AM XXXXYRS OLD LIVING ON SS AND GOV SUBSIDIZE HOUSING I MADE A AGREMENT WITH THE XXXX XXXX XXXX XXXX XXXX TO PAY THEM XXXX DOLLARS A MONTH BY THE XXXX OF THE MONTH UNTIL MY DEBT OF APPROX XXXX DOLLARS WAS PAID. IT IS NOW ABOUT XXXX DOL. I HAVE NEVER BEEN LATE PAYING THESE PEPEOLE, THEY ARE NOW SAYING I WAS LATE XX/XX/XXXX WHICH I WAS NOT THE CK WAS SENT ON XXXX XXXX XXXX EVEN THOUGH THEY DIDNT CASH IT TILL THE XXXX. THECO NATIOAL BUINSESS XXXX INC XXXX XXXX XXXX XXXX XXXX. NV XXXX THEY HAVE SENT ME SEVERAL THREATING LETTERS. THEY HAVE UP TO THE PRESENT HAVE CASH EVERY CK INCLUDING THIS MONTHS CHECK. I AM ASKING FOR RELIEF FROM THIS HARRASMENT. I AM PAYNG AS AGREED!
06/09/2016	Yes	Debt collection Medical	Communication tactics Used obscene/profane/abusive language	NV 894XX	Web
National Business Factors in XXXX XXXX, Nevada. " XXXX '' called me at my job and told me that my payment had gone down considerably so I told her that my husband had lost his job and that is why. She then asked me if I had a job, which I replied that I did. She then told me that she could not accept a {$25.00} payment on a {$12000.00} medical account and if I do n't make a {$100.00} payment by XX/XX/2016 that my " XXXX '' is on the line and not my husband 's, referring to being taken in to have my wages garnished. I do n't make any where near what my husband was making, I have XXXX children that I 'm still supporting and I 'm separated from my husband.
03/25/2020	Yes	Debt collection Medical debt	Attempts to collect debt not owed Debt was paid	NV 894XX	Web
I spoke with the XXXX XXXX Business office prior to submitting my previous complaint against National Business Factor. They confirmed I do not have any unpaid medical bills. National Business Factor responded yesterday and reported I owed XXXX XXXX XXXX XXXX money for a visit back in XXXX of 2016. I then called the XXXX XXXX XXXX XXXX Billing office again. They looked up my social, my children 's social and that service date and reported that I have paid in full and I do not owe them anything. National Business Factor falsley reported that I owe XXXX XXXX XXXX XXXX money for a visit in XX/XX/2016.
06/07/2016	Yes	Debt collection Medical	Cont'd attempts collect debt not owed Debt was paid	NV 89502	Web
The joint medical account was paid in full on XXXX/XXXX/16. National Business Factors is holding the account hostage for interest that was not agreed to by me or my wife and that was added after we paid the balance. Account was suppose to be removed after payment. They 're continuing to ignore our requests and screening our calls. We cited XXXX which states that both parties have to agree to the interest- if allowed, when they finally got back to us they cited XXXX XXXX for their reasoning. Our understanding of XXXX XXXX is for investment accounts, not debt accounts.
12/26/2021	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt is not yours	CA 958XX	Web
National Business Factors XXXX XXXX sent a collection notice for me to my sister 's house. The letter was dated XX/XX/21, Principal amount of {$490.00}, and XXXX XXXX of {$120.00} ( XXXX XXXX {$620.00} ). The letter requested for my credit card information along with my drivers license. They also informed that " interest will accrue on this account on a daily basis, pursuant to Nevada Revised XXXX XXXX. '' I am unaware of such charges or unpaid debt.. I checked XXXX, XXXX and XXXX and I am in very good standing with all these credit bureaus.
05/16/2019	Yes	Debt collection Medical debt	Took or threatened to take negative or legal action Threatened to sue you for very old debt	NV 89701	Web
Having major health issues for a few years. I had several medical bills sent to collection. Originally I had made arrangements to repay this debt. Due to my continued Health issues I have missed a lot of work, and my income has been substantially been reduced. So I am not able to pay {$200.00} a month any longer, but I do continue to make monthly payments. XXXX from national Business Factors is less than pleasant every time payment is made. Along with the threat of legal action, and wage garnishments.
08/13/2015	Yes	Debt collection Medical	Cont'd attempts collect debt not owed Debt is not mine	NV 894XX	Web
the original collector never summited claim to my medical insurance.today i contacted my medical insurance they asked for creditors number to call to get the original collectors number the debt collection agent didnt have that information. my insurance was going to have them re-summit the claim. she was surprised they didnt have any contact with the original creditor.i disputed and disputed still nothing XXXX XXXX insurance takes that debt.this company just dont respect people
10/30/2023	Yes	Debt collection Medical debt	Written notification about debt Didn't receive enough information to verify debt	NV 89012	Web
Attempted to contact National Business Factor to pay off debts on my account, my wife was informed that we had new debt through this company and when she asked for debt verification she was denied, the representative stated if you havent received the last documents you wont receive these on a recorded line. Representative refused to take payment on accounts due that I have verified stating, its all or nothing we disconnected the call due to the representative noncompliance.
09/21/2023	Yes	Debt collection Medical debt	Took or threatened to take negative or legal action Threatened or suggested your credit would be damaged	CA 961XX	Web
XX/XX/XXXX I spoke with National Business Factors, INC this morning and was told that my medical dept will start to impact my credit score starting this XXXX. I reminded them that medical dept is exempt from negatively impacting your credit score and they said that is not true. As I understand " As of XX/XX/XXXX, paid medical collection debt won't appear on consumer credit reports ''. I find these tactics extremely malicious. XXXX
03/02/2020	Yes	Debt collection Medical debt	Written notification about debt Didn't receive enough information to verify debt	RI 02860	Web
I have contacted the creditor/company many times but they have failed to provide me with necessary documents that will prove this account or debt belongs to me and it has resulted in loss of credit rating. Your agency must also provide me with proof that they have my consent to report my medical information in accordance with HIPAA laws.
03/24/2020	Yes	Debt collection Medical debt	Attempts to collect debt not owed Debt was paid	NV 894XX	Web
National Business Factor has a collection submitted from XXXX XXXX XXXX XXXX. I have paid all bills with XXXX XXXX. On XX/XX/20 I confirmed with XXXX at the XXXX XXXX Financial office that I have paid all bills with XXXX XXXX. National Business keeps increasing the amount owed every two weeks which is harassment over erroneous collection.
06/17/2020	Yes	Debt collection Medical debt	False statements or representation Attempted to collect wrong amount	WA 990XX	Web
National business Factors in XXXX XXXX Nevada has two medical collections accounts for me from a hospital visit. It was sent to collections in 2018. Every month they add a dollar or more interest to each collection account. One being XXXX and one being XXXX. It is not in the original contract with the hospital to charge monthly interest.
01/31/2020	Yes	Debt collection Medical debt	Written notification about debt Didn't receive enough information to verify debt	RI 02860	Web
I have contacted the creditor/company many times but they have failed to provide me with necessary documents that will prove this account or debt belongs to me and it has resulted in a loss of credit rating. Also, they failed to provide me with proof that they have my consent to report my medical information in accordance with HIPAA laws
07/06/2017	Yes	Debt collection Medical debt	False statements or representation Attempted to collect wrong amount	NV 89434	Web
charging 10 % compounded daily on all debt received ; have stated this is worse than student loans. Another account has gone to them and they have already starting accruing interest as of sending out the letter stating that they now hold the account. business is national business factors ; collecting on behalf of XXXX XXXX hospital XXXX
06/08/2023	Yes	Debt collection Medical debt	False statements or representation Attempted to collect wrong amount	NV 897XX	Web
I contacted National Business Factors to pay medical debt and have the account removed from my credit report. They refused to allow me to pay the original balance and want to charge me interest that is not part of my agreement with the original creditor. I asked for the deletion to be confirmed in writing and they refused.
08/02/2016	Yes	Debt collection I do not know	Disclosure verification of debt Right to dispute notice not received	CA 94533	Web
I notice XXXX unknown accounts from this company on my credit. I did contact them first, but its been 3 months and I have not heard back from them and the accounts continue to falsely report on my credit as if they are debts I have incurred. The company never contacted me to verify them. XXXX # XXXX XXXX XXXX # XXXX
08/09/2023	Yes	Debt collection Medical debt	Attempts to collect debt not owed Debt was paid	CA 96150	Web	Servicemember
I paid my medical bill XX/XX/XXXX in full. I got a letter today XX/XX/XXXX saying my debt has gone to collections and has built interest. The letter I got was dated XX/XX/XXXX. I have tried calling the company with no answer and no success. I have proof and receipts that my debt was paid.
11/12/2020	Yes	Debt collection Medical debt	Attempts to collect debt not owed Debt is not yours	CA 93004	Web
National Business Factor is reporting a medical collection to my credit report at all 3 credit bureaus. I have no idea what this collection is for, and I'm positive it doesn't belong to me. I wrote National Business Factor demanding some sort of proof but they have ignored my request.
11/10/2021	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Problem with a credit reporting company's investigation into an existing problem Investigation took more than 30 days	NV 89502	Web
I have already filed a dispute on the incorrect fraudulent accounts, inquiries and public records on my credit report with the credit reporting agencies and it has been very much over XXXX days and I have not received any investigation results. This is unacceptable! Please fix this.
08/03/2021	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Problem with a credit reporting company's investigation into an existing problem Their investigation did not fix an error on your report	CA 926XX	Web
I am a victim of identity theft. The following accounts were opened without my knowledge, consent or authority. I have no idea how the theft took place, nor do I have knowledge of the suspects. I did not receive any money, goods, or services as a result of the identity theft.
07/01/2021	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	CA 95661	Web
I am a victim of identity theft. The following accounts were opened without my knowledge, consent or authority. I have no idea how the theft took place, nor do I have knowledge of the suspects. I did not receive any money, goods, or services as a result of the identity theft.
10/07/2021	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Problem with a credit reporting company's investigation into an existing problem Their investigation did not fix an error on your report	NV 89431	Web
This is erroneous! Your agency failed to provide the monthly payment, terms, credit limit, past due, and date of last payment as it is missing from the report. It is your agencys job to investigate my dispute as it is severely affecting my scores negatively.
03/15/2018	Yes	Debt collection Medical debt	False statements or representation Attempted to collect wrong amount	NV 89506	Web	Servicemember
The statement for a medical bill says that I can pay though their website. The website is not set up therefore their statement is false. What if this was the only way I can pay? National business factors inc XXXX XXXX XXXX XXXX XXXX NV XXXX XXXX XXXX XXXX
07/23/2021	Yes	Debt collection Medical debt	Written notification about debt Didn't receive enough information to verify debt	CA XXXXX	Web
I received a voicemail that asked for me by name, when I called the number back, they would not disclose any information to me. I never received mail/other information that indicated my account would be sent/had been sent to collections.
08/23/2021	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Problem with a credit reporting company's investigation into an existing problem Their investigation did not fix an error on your report	CA 95838	Web
I do not recognize this account. The information regarding this account fails to report completely. I do not see the monthly payment, terms, credit limit, past due, and date of last payment being reported.
10/30/2020	Yes	Debt collection I do not know	Written notification about debt Didn't receive enough information to verify debt	RI 02860	Web
I have disputed this account and have reached out to the company/creditors MANY times but still I see no changes. This account is being reported inaccurately and incorrectly on my credit report.
05/31/2020	Yes	Debt collection I do not know	Written notification about debt Didn't receive enough information to verify debt	RI 02860	Web
I have disputed this account and have reached out to the company/creditors MANY times but failed. This account is being reported inaccurately and incorrectly on my credit report.
07/20/2021	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt is not yours	CA 95838	Web
I don't remember that I had an account with this collector/creditor. I've asked multiple times to send proof of ownership but you haven't complied with my request yet.
02/06/2019	Yes	Debt collection Medical debt	Attempts to collect debt not owed Debt is not yours	NV 89523	Web
I have no written contract with this company and they refuse to send me documentation of any signed agreement between me XXXX XXXX XXXX , XXXX. of Nevada.
11/22/2016	Yes	Debt collection Medical	Disclosure verification of debt Right to dispute notice not received	CA 94545	Web
I have a hospital bill in collections but I never received the bill I 'm trying to build up my credit what can I do to get it out of collections?
09/02/2020	Yes	Debt collection Medical debt	False statements or representation Attempted to collect wrong amount	NV 897XX	Web
As of XX/XX/XXXX National Business Factors , Inc. of Nevada have been trying to collect interest on debts not contracted with interest clauses
09/17/2018	Yes	Debt collection Medical debt	Attempts to collect debt not owed Debt was paid	ID 83634	Web
opened on XX/XX/XXXX. account was paid in full ( {$200.00} ) .spoke to personal by phone to have it removed from credit report XX/XX/XXXX.
06/03/2018	Yes	Debt collection Medical debt	Took or threatened to take negative or legal action Threatened or suggested your credit would be damaged	CA 961XX	Web
I checked my credit score and there are listings with companies claiming that I owe money for debts I do not recognize.
01/10/2018	No	Debt collection Medical debt	Written notification about debt Notification didn't disclose it was an attempt to collect a debt	WA 99337	Web
I tried paying it but they wanted more for what was asked tried to set up payment arrangements wanted more.
02/27/2021	Yes	Debt collection Medical debt	Took or threatened to take negative or legal action Threatened to sue you for very old debt	CA 95682	Web
I was in custody of the XXXX XXXX XXXX Jail during the debt in collection.
02/05/2024	Yes	Debt collection Medical debt	Took or threatened to take negative or legal action Threatened or suggested your credit would be damaged	NV 89701	Web

02/03/2024	Yes	Debt collection Medical debt	False statements or representation Attempted to collect wrong amount	CA 950XX	Web

01/22/2024	Yes	Debt collection Medical debt	False statements or representation Attempted to collect wrong amount	TX 756XX	Web

12/21/2023	Yes	Debt collection Medical debt	False statements or representation Attempted to collect wrong amount	NV 897XX	Web

12/20/2023	Yes	Debt collection Medical debt	Attempts to collect debt not owed Debt was result of identity theft	NV 89509	Web	Older American

10/10/2023	Yes	Debt collection Private student loan debt	False statements or representation Attempted to collect wrong amount	NV 89106	Web

10/06/2023	Yes	Debt collection Medical debt	False statements or representation Attempted to collect wrong amount	NV 89431	Web

10/01/2023	Yes	Debt collection Medical debt	Written notification about debt Didn't receive notice of right to dispute	CA 92345	Web

07/29/2023	Yes	Debt collection Medical debt	Attempts to collect debt not owed Debt was paid	FL 33534	Web

11/20/2022	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	TX 77044	Web

08/04/2022	Yes	Debt collection Medical debt	Attempts to collect debt not owed Debt is not yours	TX 77429	Web	Servicemember

06/08/2022	Yes	Debt collection Medical debt	Took or threatened to take negative or legal action Threatened or suggested your credit would be damaged	NV 89415	Web

06/06/2022	Yes	Debt collection Medical debt	False statements or representation Attempted to collect wrong amount	MT 59935	Web

05/03/2022	Yes	Debt collection Credit card debt	Attempts to collect debt not owed Debt is not yours	LA 70460	Web

04/26/2022	Yes	Debt collection Medical debt	False statements or representation Attempted to collect wrong amount	NV 89451	Web

02/06/2022	Yes	Debt collection Medical debt	Attempts to collect debt not owed Debt was paid	CA 92335	Web

12/31/2021	Yes	Debt collection Medical debt	Written notification about debt Didn't receive enough information to verify debt	IL 61874	Web

12/10/2021	Yes	Debt collection Medical debt	Attempts to collect debt not owed Debt was paid	CA 90731	Web

08/03/2021	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Account status incorrect	CA 96158	Web

07/19/2021	Yes	Debt collection Medical debt	Attempts to collect debt not owed Debt was paid	CA 96158	Web

07/19/2021	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt is not yours	TX 75043	Web

07/12/2021	Yes	Debt collection Medical debt	Written notification about debt Didn't receive notice of right to dispute	CA 96161	Web

05/31/2021	Yes	Debt collection Medical debt	Attempts to collect debt not owed Debt is not yours	CA 93561	Web

05/12/2021	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt was paid	CA 96150	Web

05/10/2021	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Problem with a credit reporting company's investigation into an existing problem Their investigation did not fix an error on your report	CA 96150	Web

05/06/2021	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Problem with a credit reporting company's investigation into an existing problem Their investigation did not fix an error on your report	CA 96150	Web

04/09/2021	Yes	Debt collection Medical debt	Attempts to collect debt not owed Debt was paid	CA 96150	Web

04/09/2021	Yes	Debt collection Medical debt	Attempts to collect debt not owed Debt was paid	CA 95125	Web

04/08/2021	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Account status incorrect	CA 95682	Web

04/08/2021	Yes	Debt collection Medical debt	Written notification about debt Didn't receive enough information to verify debt	MT 59935	Web

04/02/2021	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Old information reappears or never goes away	CA 95682	Web

03/27/2021	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Account information incorrect	CA 95682	Web

03/23/2021	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Account status incorrect	CA 95014	Web

03/18/2021	Yes	Debt collection Medical debt	Attempts to collect debt not owed Debt was paid	CA 95125	Web

02/21/2021	Yes	Debt collection I do not know	Written notification about debt Didn't receive notice of right to dispute	CA 95662	Web

02/18/2021	Yes	Debt collection Medical debt	Written notification about debt Didn't receive enough information to verify debt	NV 89706	Web

02/14/2021	Yes	Debt collection Medical debt	Took or threatened to take negative or legal action Threatened or suggested your credit would be damaged	CA 95682	Web

02/08/2021	Yes	Debt collection Medical debt	Written notification about debt Didn't receive enough information to verify debt	NV 89521	Web

11/13/2020	Yes	Debt collection Medical debt	Attempts to collect debt not owed Debt was paid	NH 03079	Web

11/07/2020	Yes	Debt collection Medical debt	Written notification about debt Didn't receive enough information to verify debt	NV 89431	Web

09/21/2020	Yes	Debt collection Medical debt	Written notification about debt Didn't receive enough information to verify debt	CA 92663	Web

08/31/2020	Yes	Debt collection Medical debt	Attempts to collect debt not owed Debt is not yours	NV 89521	Web

08/23/2020	Yes	Debt collection Medical debt	Written notification about debt Didn't receive notice of right to dispute	NV 89402	Web

07/25/2020	Yes	Debt collection Medical debt	Took or threatened to take negative or legal action Threatened or suggested your credit would be damaged	CA 95682	Web

07/23/2020	Yes	Debt collection Medical debt	Attempts to collect debt not owed Debt is not yours	CA 95682	Web

03/18/2020	Yes	Debt collection Medical debt	Attempts to collect debt not owed Debt is not yours	NV 89108	Web	Servicemember

07/27/2019	Yes	Debt collection Medical debt	Attempts to collect debt not owed Debt was paid		Phone

05/08/2019	Yes	Debt collection Medical debt	Took or threatened to take negative or legal action Threatened to sue you for very old debt	NV 89431	Web

04/05/2019	Yes	Debt collection Medical debt	Attempts to collect debt not owed Debt was paid	CA 96122	Web

03/27/2019	Yes	Debt collection Medical debt	Took or threatened to take negative or legal action Threatened or suggested your credit would be damaged	NV 89706	Web

11/15/2018	Yes	Debt collection Medical debt	Attempts to collect debt not owed Debt is not yours	UT 84003	Web

08/04/2018	Yes	Debt collection Medical debt	Attempts to collect debt not owed Debt is not yours	NV 89408	Web

05/11/2018	Yes	Debt collection Medical debt	Took or threatened to take negative or legal action Threatened or suggested your credit would be damaged	NV 89423	Web

04/06/2018	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt is not yours	NV 89523	Web

04/03/2018	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	CO 80113	Web

04/03/2018	Yes	Debt collection Medical debt	False statements or representation Attempted to collect wrong amount	CA 95670	Web

01/21/2018	Yes	Debt collection Medical debt	Attempts to collect debt not owed Debt is not yours	CO 80113	Web

11/30/2017	Yes	Debt collection Medical debt	Communication tactics Frequent or repeated calls	CA 95670	Phone

09/03/2017	Yes	Debt collection Medical debt	Written notification about debt Didn't receive notice of right to dispute	OR 97470	Web

05/11/2017	Yes	Debt collection Medical debt	False statements or representation Attempted to collect wrong amount	NV 89502	Web

04/17/2017	No	Debt collection Medical	False statements or representation Attempted to collect wrong amount	NV 89502	Web

01/05/2017	Yes	Debt collection Medical	Cont'd attempts collect debt not owed Debt is not mine	WA 98315	Web	Servicemember

08/09/2016	Yes	Debt collection Other (i.e. phone, health club, etc.)	Cont'd attempts collect debt not owed Debt was paid	NV 89301	Web

05/09/2016	Yes	Debt collection Other (i.e. phone, health club, etc.)	Cont'd attempts collect debt not owed Debt is not mine	NV 89523	Postal mail

10/26/2015	Yes	Debt collection Medical	Disclosure verification of debt Not disclosed as an attempt to collect	CA 96151	Phone

10/19/2015	Yes	Debt collection Medical	Cont'd attempts collect debt not owed Debt is not mine	NV 89403	Web

08/24/2015	Yes	Debt collection Medical	Cont'd attempts collect debt not owed Debt is not mine	CA 94541	Phone

07/23/2015	Yes	Debt collection Medical	Disclosure verification of debt Not disclosed as an attempt to collect	NV 89509	Web

07/18/2015	Yes	Debt collection Medical	Disclosure verification of debt Right to dispute notice not received	CA 95991	Web

05/22/2015	Yes	Debt collection Medical	Disclosure verification of debt Not given enough info to verify debt	CA 94544	Postal mail

03/02/2015	Yes	Debt collection Medical	Cont'd attempts collect debt not owed Debt is not mine	NV 89506	Web

01/23/2015	Yes	Debt collection Medical	False statements or representation Attempted to collect wrong amount	CA 96143	Web

01/23/2015	Yes	Debt collection Medical	False statements or representation Attempted to collect wrong amount	NV 89706	Web

01/21/2015	Yes	Debt collection Medical	Disclosure verification of debt Right to dispute notice not received	CO 80012	Web	Servicemember

01/15/2015	Yes	Debt collection Medical	Disclosure verification of debt Not disclosed as an attempt to collect	CO 80012	Web	Servicemember

11/21/2014	Yes	Debt collection Medical	Disclosure verification of debt Right to dispute notice not received	NV 89431	Web

11/15/2014	Yes	Debt collection Medical	Disclosure verification of debt Not given enough info to verify debt	CA 92506	Web

09/14/2014	Yes	Debt collection Medical	Disclosure verification of debt Right to dispute notice not received	WA 98444	Web	Servicemember

07/30/2014	Yes	Debt collection Medical	Cont'd attempts collect debt not owed Debt was paid	CA 96150	Web

07/18/2014	Yes	Debt collection Medical	Communication tactics Used obscene/profane/abusive language	ME 04401	Web

07/01/2014	Yes	Debt collection Medical	Communication tactics Called after sent written cease of comm	CA 96130	Web

04/27/2014	Yes	Debt collection Medical	Taking/threatening an illegal action Threatened to sue on too old debt	CA 95971	Web

04/21/2014	Yes	Debt collection Medical	Disclosure verification of debt Right to dispute notice not received	NV 89521	Web	Servicemember

04/21/2014	Yes	Debt collection Medical	Disclosure verification of debt Right to dispute notice not received	NV 89521	Web	Servicemember

04/21/2014	Yes	Debt collection Medical	Cont'd attempts collect debt not owed Debt is not mine	WA 98277	Web