Optima Recovery Services LLC. CFPB Complaints

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2000 Latest Complaints
Date Received Timely Response Product Issue State / Zip Submitted Via Tags
04/10/2019 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Incorrect information on your report
  • Account information incorrect
  • TN
  • 377XX
Web
Good Afternoon, I am writing because The only answer I can get from anybody is " that is not how this works '', and I don't feel like that is a sufficient answer. In 2014, I signed up for a membership at a local gym. XXXX XXXX XXXX in XXXX, TN. I did sign a contract and I did agree to pay a certain amount ( $ 50/month ) over a certain period of time ( 3 years? ). I thought it was {$1800.00}. I no longer have the contract. As thing happen, and the do happen, I lost my job about 5 months into the contract. I was paid current until that point. During my membership, I was given a key fob type of card that would activate the machines in the gym. If I was ever behind on a payment, the card would be deactivated. I could not use the equipment. Regardless of whatever contract I signed, it was pay as you go on a month to month basis. There was never any service provided that was not paid for. I could not use any service in the gym without paying for it first. There is a ding on my credit report for {$2100.00}. This is more than what my contract 's full term was for, and I paid for about 5 months already. I am curious how anyone could report me to a Credit Reporting Agency, who has not extended me a XXXX of credit. I get that XXXX XXXX feels I owe them that money because I signed a contract, and I am currently trying to work with the collection agency XXXX XXXX XXXX XXXX on a payoff. I think that reporting me to a Credit Agency is illegal since there was not a dime of credit extended to me. Not a dime. I am really feeling like this is a form of fraud and I have no idea where to turn to for help. XXXX XXXX is not registered with the XXXX, so it does no good to complain to them. This company has dinged my credit with the sole purpose of downgrading me in the eyes of someone who might actually give a me a real loan or real credit. I did not receive a loan or any credit from XXXX XXXX, so how are they able to grade me on loan and credit repayment? In order to report me to a credit agency, I would need to be defaulted on a loan or a line of credit. I am neither of those things with XXXX XXXX. I paid for every single time I used their facility and for some times that I did not. If we should get technical about it, I am owed money for the months I paid and did not go. What is the recourse for this? My intentions were good. I signed up for the gym and I made my monthly payments. I lost my job and I stopped going to the gym. We can go to court and discuss it with a judge about whether or not I am actually liable for the money and how it should be paid, but how am I getting dinged on my credit report when this has absolutely nothing to do with my credit?
03/03/2016 Yes
  • Debt collection
  • Medical
  • Communication tactics
  • Threatened to take legal action
  • TN
  • 37919
Web Servicemember
this is from a medical procedure I had on XXXX/XXXX/XXXX and again on XXXX/XXXX/XXXX. The debt is from a XXXX XXXX. I do not deny the debt whatsoever. The debt was for {$2100.00}. two separate times of {$1000.00}. each for their part in this procedure. We paid {$25.00} per month from XXXX/XXXX/XXXX thru XXXX/XXXX/XXXX at which time we never received another bill from that time to the present, XXXX/XXXX/XXXX. We never received a letter, phone call or correspondence of any kind till that day of XXXX/XXXX/XXXX when I received a Summons to court. It also had a letter attached to it that stated it was from a collection agency trying to collect a debt. I made a phone call on XXXX/XXXX/XXXX to the number given that was supposed to be the Law office of XXXX XXXX XXXX, attorney at law here in XXXX, TN. I talked with a woman named XXXX XXXX who informed me she was an assistant for XXXX XXXX XXXX, and that she could set me up on a pay schedule, I informed her I was already on a pay schedule and that I was no longer receiving a bill. She informed me they were not required to send a bill. I informed her I had received a bill for 10 months in a row, that pretty much sets a precedence that they send a bill. That 's when she informed me I was going to have to pay court costs and she added it to my original debt. These people never gave me any opportunity to answer this debt at all, much less the first thing I hear from them is by a summons. The Dr. and the hospital who were involved in this same procedure are very close to being paid in full. This debt would be paid right down with them if they had continued to send us a bill. I checked with XXXX and with Optima Recovery and they both assured me they do send bills regardless what XXXX XXXX contends from The attorneys office. I have a severly XXXX that we have been working and waiting on the VA for 2 yrs. now to get the operations I need. It 's been longer than that since I could work. My wife lost her good paying job in XX/XX/XXXX and she has had to work with a temp service just to be able to have some kind of employment. Yet we paid each and every bill so it upsets me greatly when someone tries to cheat us like this and add some supposed court costs to our debt, when we have not gone to court. Not quite sure why they quit sending us a bill but if they had we would have continued paying it. When anything medical quits coming in you figure the insurance finally paid. Please give a reply, I believe I am being railroaded into paying court costs.
02/16/2021 Yes
  • Debt collection
  • Medical debt
  • Attempts to collect debt not owed
  • Debt was paid
  • TN
  • 385XX
Web
Optima reported a mark on my credit file for a bill that was paid directly to the original creditor prior to a mark on my credit. This mark should be removed. I had an invoice that was originally with Tennessee XXXX Clinics in the amount of {$990.00}. The only people I have ever paid or given money to for the bill was Tennessee XXXX Clinic. When I paid the bill, there was no mark or mention on my credit file regarding a collection. I had not been contacted by mail or by phone by Optima. After the invoice was paid, the next month I received a mark on my credit from Optima for the collection. It shows open and closed at the same time, for the month of XX/XX/XXXX. They reported it as a paid collection. I have attempted to resolve this with them multiple times. I have shown proof that the invoice was paid to Tennessee XXXX directly ( which Tennessee XXXX said they would verify ). They agree that no funds were paid to them for my account. However they refuse to remove the credit mark on my credit. The only answer I receive is that they will show it as paid. The issue is Optima was never my servicing provider for a collection. All transactions were completed with Tennessee XXXX prior to a collection with Optima. I filed an official complaint with the XXXX after they would not reply to my requests for correction. The XXXX was not able to get them to reply either. ( see below for XXXX file, case # XXXX ) I would like to have the mark removed from all three of my credit files. The account needs to be removed in its entirety with out any penalty. Complaint filed against : Business Info NAME : Optima Recovery Systems ACCREDITED BUSINESS : NO CONTACT : Mr. XXXX XXXX ADDRESS : XXXX, PHONE : XXXX XXXX FAX : -- None -- Website : XXXX Complaint status : Activity Date Activity Description XX/XX/XXXX Case Closed - UNANSWERED XX/XX/XXXX Inform Business - Case Closed UNANSWERED XX/XX/XXXX Inform Consumer - Case Closed UNANSWERED XX/XX/XXXX Inform Consumer No Response from Business XX/XX/XXXX No Response Received from Business on 2nd Notice XX/XX/XXXX Second Notice to Business XX/XX/XXXX No Response to First Notice to Business XX/XX/XXXX Inform Business of Complaint XX/XX/XXXX Send Acknowledgement to Consumer XX/XX/XXXX Complaint Validated by XXXX Operator XX/XX/XXXX Complaint Received by XXXX
06/01/2016 Yes
  • Debt collection
  • Medical
  • Cont'd attempts collect debt not owed
  • Debt is not mine
  • MO
  • 640XX
Web
Optima Recovery Services LLC showed up on my credit report and the original creditor is XXXX XXXX XXXX XXXX XXXX XXXX in 2011. The amount on my collections is {$380.00}. I have never seen this amount due or been contacted to my knowledge for owing such an amount. I looked it up on my credit report and it stated that it was opened in XXXX 2011. I had no clue what the charges were for nor have I been to a health clinic in XXXX XXXX, MO. I called the original creditator who stated I was not in their system and never had been even to send to collections. I called Optima Services and the lady on the phone stated the only way I could remove the amount off my credit report would be to pay the XXXX in full. I told her I did not owe that amount and she stated it was for a XXXX. I told her I had full insurance, and if I had that service ( which I did not believe I had then it would have been paid by my insurance ) She could not answer my questions as to where, when and so on. So I asked to speak to a manager named XXXX. He said if I provided a receipt that it was paid they would take it off my credit report. I asked him if the insurance covered part of the services because I had insurance that should have paid it in full. He then admitted my insurance was never billed. He tried to say because I never submitted it to them. I had no knowledge of such a bill and if I had my insurance would have paid it in full. I do not owe this debt and would like it removed from my credit report immediately. They can no provide me with any information on the account nor support that I did not provide them with my insurance information.
10/14/2020 Yes
  • Debt collection
  • I do not know
  • Written notification about debt
  • Didn't receive enough information to verify debt
  • TN
  • 377XX
Web
I am reporting a business called " OPTIMA RECOVERY SERVICES. '' They have listed a debt of {$65.00} on my credit report for a few years that I just recently discovered and have never received any notification the debt existed. No calls, no emails, no letters, no attempt to contact me. The information about the business on my report includes : XXXX XXXX XXXX XXXX XXXX XXXX, XXXX ( XXXX ) XXXX date opened : XX/XX/2015 Account type : Collection Department / Agency / Attorney I issued a dispute with XXXX a few months ago and the account was deleted without any further issues. I discovered this same account on XXXX as well. This led me to believe that this debt is either fraudulent or a big mistake. Upon reading XXXX reviews on this business, it seems that this is a regular practice. They agree to remove the " bad credit '' in exchange for payment, but no written record is provided of this transaction ( according to other reviews ).
01/12/2020 Yes
  • Debt collection
  • Other debt
  • Took or threatened to take negative or legal action
  • Threatened or suggested your credit would be damaged
  • TN
  • 378XX
Web
XX/XX/2020 XXXX Optima recovery services llc I just got a letter in the mail today stating Are you going to pay this obligation? " We have been trying to communicate with you concerning your past-due balance. So far the communication appears to be going only one way. If you continue to ignore us we will assume that it is not your intention to pay this debt. And we will take further activity against you. Waiting does not benefit either of us. Contact us immediately to arrange repayment of your debt. Okay first of all I never even heard of Optima recovery services LLC first time I've heard anything of them and if they dont leave me alone I'll take " further activity '' against them. And I have called XXXX XXXX XXXX to settle my debt and they said they'd get back to me and they never did. I will not be harassed.
12/01/2017 Yes
  • Debt collection
  • Medical debt
  • Written notification about debt
  • Didn't receive enough information to verify debt
  • AL
  • 36695
Web Servicemember
On XXXX the XXXX XXXX I sent a debt validation letter to the collection agency to get a debt validated that is correctly showing up on my XXXX and XXXX credit report. I disputed because I dont believe the debt is mine. On XXXX XXXX, XXXX I received a letter in the mail stating that they didnt have enough information to validate this debt is mine and they sent me a bill for a XXXX dollars with a stamp that says this is an attempt to collect debt which they did not verify but sending a bill I sent a copy of my driver license to prove who I am. By law I thought if they couldnt validate then it must be removed. I am very upset because this is ruining my credit worthiness.
07/18/2017 Yes
  • Debt collection
  • I do not know
  • Written notification about debt
  • Didn't receive enough information to verify debt
  • FL
  • XXXXX
Web
A company called Optima Recovery Services is incorrectly reporting a debt of {$260.00} on my credit report. After all of the disputes I have sent, I have yet to receive any documentation to validate the debt they are saying I owe them. The account number on my credit report is " XXXX ''. I 've done some research online and I have only come across negative reviews and complaints by other consumers who have been harassed and scammed by this debt collection company. They currently have an " F '' rating with the Better Business Bureau so I will not give my money to a company I do not recognize and who will not tell me why they want me to pay them.
04/05/2021 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Incorrect information on your report
  • Account information incorrect
  • KS
  • 671XX
Web Servicemember
On XX/XX/2018 Optima Recovery Services marked me with owning them XXXX and XXXX dollars. This was for a gym membership and a personal trainer. I moved from XXXX Tn to XXXX Ks and called several times to try to cancel with no resolve. I am also a 100 % XXXX Veteran and moved farther then 25 miles away which should have been enough to cancel my membership by itself. Ive called several times over the pass yrs to try to settle but they want XXXX dollars. This all seems very much like a scam. Also when I moved away my personal trainer also moved to XXXX XXXX Fl. This company seems to pray on situations like this.
11/03/2015 Yes
  • Debt collection
  • Medical
  • Cont'd attempts collect debt not owed
  • Debt was paid
  • TN
  • 37388
Web
I was made aware of a purported debt many months after it had been sent to collection. I have never received a notice, call or letter from the collection agency ( Optima Recovery Services ) but they reported the debt to the credit bureaus and now my credit score has dropped significantly. I sent a certified letter to Optima Recovery Services in XXXX 2015. The letter explained I did not owe the debt and included a copy of the cleared check showing the item had been paid. I received no response from Optima and the item is still on my credit report.
05/16/2018 Yes
  • Debt collection
  • Medical debt
  • Communication tactics
  • Used obscene, profane, or other abusive language
  • IN
  • 464XX
Web
I had emergency XXXX XXXX. I had XXXX XXXX insurance. They paid for the XXXX but not the XXXX. I contacted Optima Recovery Service at ( XXXX ) XXXX, to resolve the bill or get a copy of the bill so that I can get help paying it. I spoke with XXXX he told me to shut up. hung up on me twice, would not let me speak to management, and when I called back and he spoke to me a third time he said he had nothing else to say to me. The company was not trying to help me resolve the bill at all, instead they were rude and abusive.
11/18/2021 Yes
  • Debt collection
  • Medical debt
  • Written notification about debt
  • Didn't receive enough information to verify debt
  • TN
  • 374XX
Web Servicemember
I have disputed this collection to no avail repeatedly with the credit bureau but they still refuse to remove it. I have stated that this is not my debt and if so please provide proof. If it was my debt this is a clear violation of the HIPAA laws about sharing medical information with a third party. Also it has the debt listed as open on my credit report and I do not have an account with this credit collection company therefore couldnt possibly have an open account with them.
04/08/2021 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Incorrect information on your report
  • Information belongs to someone else
  • TN
  • 37207
Web
After viewing my credit report, I found Medical Collection accounts which should not be in there. According to the HIPAA 1996 law section 1681b ( g ) ( 4 ) They are not allowed to disclose such information to any other person, this is clearly a violation to my privacy. My consumer rights has been violated under the HIPAA laws. I did not give permission to release any of my medical information.
11/27/2019 Yes
  • Debt collection
  • Medical debt
  • Written notification about debt
  • Didn't receive enough information to verify debt
  • TN
  • 374XX
Web Servicemember
I have tried on numerous occasions and have disputed a collections on my credit report numerous times to get proof that this collection belongs to me to no avail. The debt has remained on my credit report and I still have not received proof of the debt.
11/03/2020 Yes
  • Debt collection
  • Other debt
  • Attempts to collect debt not owed
  • Debt was paid
  • GA
  • 31093
Web
I paid this debt in full three and a half years ago and its still reporting on my credit report. It's hindering me from getting credit. This issue was resolve and had to be resolved before I can get another apartment.
02/18/2016 Yes
  • Debt collection
  • Medical
  • Cont'd attempts collect debt not owed
  • Debt is not mine
  • KS
  • 662XX
Web
I have disputed this debt that I do not owe with a company named Optima Recovery Services. I have filed several disputes with Experian and they have yet to correct the derogatory information on my credit file.
12/16/2017 Yes
  • Debt collection
  • Medical debt
  • Attempts to collect debt not owed
  • Debt was paid
  • TN
  • 37363
Web
Paid the XXXX service long time ago by insurance company, but still showed up in collection on XXXX.
07/10/2021 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Incorrect information on your report
  • Information belongs to someone else
  • TX
  • 77090
Web
An itemized bill does not imply that the debt is valid anyone can send a bill a claim ownership.
06/14/2017 Yes
  • Debt collection
  • Medical debt
  • Communication tactics
  • Used obscene, profane, or other abusive language
  • TN
  • 37934
Web
XXXX is rude and hateful and talks down to me.
01/20/2022 Yes
  • Debt collection
  • Medical debt
  • Attempts to collect debt not owed
  • Debt is not yours
  • TN
  • 37421
Web
12/07/2021 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
  • TN
  • 37421
Web
08/27/2021 Yes
  • Debt collection
  • I do not know
  • Written notification about debt
  • Didn't receive enough information to verify debt
  • TX
  • 75154
Web
05/09/2021 Yes
  • Debt collection
  • Medical debt
  • Attempts to collect debt not owed
  • Debt was paid
  • TN
  • 37852
Web Servicemember
05/04/2021 Yes
  • Debt collection
  • Medical debt
  • False statements or representation
  • Indicated you were committing crime by not paying debt
  • FL
  • 34224
Web
01/22/2021 Yes
  • Debt collection
  • I do not know
  • Written notification about debt
  • Didn't receive notice of right to dispute
  • TN
  • 37934
Web
01/20/2021 Yes
  • Debt collection
  • Medical debt
  • Attempts to collect debt not owed
  • Debt is not yours
  • GA
  • 31623
Web
10/23/2020 Yes
  • Debt collection
  • Other debt
  • Attempts to collect debt not owed
  • Debt is not yours
  • TN
  • 37923
Web Servicemember
10/02/2020 Yes
  • Debt collection
  • I do not know
  • Written notification about debt
  • Didn't receive notice of right to dispute
  • TN
  • 37931
Web
09/10/2020 Yes
  • Debt collection
  • I do not know
  • Attempts to collect debt not owed
  • Debt is not yours
  • TX
  • 75149
Web
08/13/2020 Yes
  • Debt collection
  • Medical debt
  • Written notification about debt
  • Didn't receive notice of right to dispute
  • TN
  • 37321
Phone Older American, Servicemember
07/06/2020 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Incorrect information on your report
  • Account status incorrect
Phone
12/19/2018 Yes
  • Debt collection
  • Other debt
  • Written notification about debt
  • Didn't receive notice of right to dispute
Phone
09/04/2018 Yes
  • Debt collection
  • Other debt
  • Attempts to collect debt not owed
  • Debt was result of identity theft
  • OH
  • 44485
Web Servicemember
08/26/2018 Yes
  • Debt collection
  • I do not know
  • Attempts to collect debt not owed
  • Debt was result of identity theft
  • OH
  • 44485
Web Servicemember
01/31/2018 Yes
  • Debt collection
  • I do not know
  • Threatened to contact someone or share information improperly
  • Contacted your employer
  • TN
  • 37923
Web
11/28/2017 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Incorrect information on your report
  • Account status incorrect
  • TN
  • 37938
Web
10/10/2017 Yes
  • Debt collection
  • Medical debt
  • Took or threatened to take negative or legal action
  • Threatened or suggested your credit would be damaged
  • KY
  • 40475
Web
08/05/2017 Yes
  • Debt collection
  • Other debt
  • Communication tactics
  • You told them to stop contacting you, but they keep trying
  • GA
  • 31027
Web
06/22/2017 Yes
  • Debt collection
  • Medical debt
  • Written notification about debt
  • Didn't receive notice of right to dispute
  • TN
  • 37830
Web
06/05/2017 Yes
  • Debt collection
  • Medical debt
  • Took or threatened to take negative or legal action
  • Threatened or suggested your credit would be damaged
  • TN
  • 37766
Web
04/19/2017 Yes
  • Debt collection
  • Other (i.e. phone, health club, etc.)
  • Disclosure verification of debt
  • Not given enough info to verify debt
  • TN
  • 37849
Web
01/14/2017 Yes
  • Debt collection
  • Medical
  • Improper contact or sharing of info
  • Contacted me after I asked not to
  • TN
  • 37411
Web
07/24/2016 Yes
  • Debt collection
  • Medical
  • Cont'd attempts collect debt not owed
  • Debt was paid
  • TN
  • 37343
Web
03/04/2016 Yes
  • Debt collection
  • I do not know
  • Disclosure verification of debt
  • Not given enough info to verify debt
  • HI
  • 96753
Web
02/24/2016 Yes
  • Debt collection
  • Medical
  • Disclosure verification of debt
  • Not given enough info to verify debt
  • TN
  • 37820
Web
02/19/2016 Yes
  • Debt collection
  • Medical
  • Cont'd attempts collect debt not owed
  • Debt is not mine
  • MD
  • 20895
Web
01/26/2016 Yes
  • Debt collection
  • Medical
  • Cont'd attempts collect debt not owed
  • Debt is not mine
  • TN
  • 37870
Web
07/14/2015 Yes
  • Debt collection
  • Medical
  • Disclosure verification of debt
  • Not given enough info to verify debt
  • TN
  • 37870
Web
02/24/2015 Yes
  • Debt collection
  • Medical
  • Cont'd attempts collect debt not owed
  • Debt is not mine
  • MO
  • 64735
Web
01/22/2015 Yes
  • Debt collection
  • Medical
  • Disclosure verification of debt
  • Not given enough info to verify debt
  • IL
  • 60613
Web
12/30/2014 No
  • Debt collection
  • Medical
  • Cont'd attempts collect debt not owed
  • Debt is not mine
  • TN
  • 37917
Web
09/23/2014 Yes
  • Debt collection
  • Medical
  • Disclosure verification of debt
  • Right to dispute notice not received
  • TN
  • 37336
Web
07/30/2014 Yes
  • Debt collection
  • Other (i.e. phone, health club, etc.)
  • Disclosure verification of debt
  • Right to dispute notice not received
  • TN
  • 37909
Web
04/23/2014 Yes
  • Debt collection
  • Medical
  • Disclosure verification of debt
  • Right to dispute notice not received
  • TN
  • 37830
Web Servicemember
12/10/2013 Yes
  • Debt collection
  • I do not know
  • Disclosure verification of debt
  • Not disclosed as an attempt to collect
  • MO
  • 64015
Web
09/05/2013 Yes
  • Debt collection
  • Other (i.e. phone, health club, etc.)
  • Disclosure verification of debt
  • Not given enough info to verify debt
  • TX
  • 78727
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