Optio Solutions, LLC CFPB Complaints

2000 Latest Complaints

Date Received	Timely Response	Product	Issue	State / Zip	Submitted Via	Tags
12/08/2015	Yes	Debt collection Other (i.e. phone, health club, etc.)	Communication tactics Used obscene/profane/abusive language	TX 75230	Web
My name is XXXX XXXX XXXX. Your company regarding a Check I wrote that apparently did not clear the bank contacted me. The check was written on XXXX XXXX, 2015 to XXXX XXXX XXXX Cities in the amount of {$2000.00}. When I wrote the check for the payment the XXXX check reader could not read my check. I had to write maybe XXXX checks from XXXX different checking accounts to try to get it to work. The system that XXXX used was called XXXX , XXXX . I also gave them my debit card and the payment was accepted. I never thought that there was an issue or problem until I started receiving calls from your business. An employee named XXXX called a couple of times and I told him that the payment had cleared the bank. He said no problem that they would get notification and the issue would be resolved. On Friday, XXXX XXXX, 2015 I received a call from a female manager in your office. She explained that she was working with XXXX and that there was an outstanding check. I explained the situation. She then informed me to get a copy of my Bank Statement and give her a call on Monday if not sooner. At that point she was to give me the information on how I was to fax or email it to her. I did exactly that and even called your office on Sunday XXXX XXXX, 2015 to see if anyone was available but you were closed at which time I left a Voicemail. Today XXXX XXXX, 2015, I received a call at XXXX. It was XXXX who left a message to please call him. I was unable to call until later that afternoon. Another collector answered the phone and due to XXXX being unavailable and he would assist me. I explained my situation and informed him that I spoke with his colleague on Friday and I was to call today, Monday XXXX XXXX, 2015 and get the instructions as to how to get it to her office. At that point your employee told me that his co-worker who I spoke to on Friday was no longer available. He said he would refuse to accept my bank statement. He was incredible abusive, abrupt and insulting. He then demanded that I get a letter from the bank and that " He '' not your company would accept my bank statement as proof of the payment. Again this is a Bank Statement that has my name, address, account number and clearly reflects the payment to XXXX. He then started yelling at me and informed me that he was going to have me arrested. He said he planned on sending the collection information to the XXXX ' XXXX XXXX. 's office and he told me I could figure it from there. I again tried to plead with him that it was Co-Worker who gave me the instructions on what to do to resolve the issue. As I was explaining myself he spoke above me and said he was going to hang up the phone if I did not " XXXX ''. His behavior was completely unprofessional and he was behaving like an impetuous child. After he screamed some more at me and again threatened to have me arrested he hung up the phone. So I then called back and another gentleman answered the phone. He did not say the name of the company or that he was a debt collector. He abruptly started speaking to me as if we had been speaking before. I assume he had caller id and knew I was calling back. His tone was as incredulous as the last associate, if not worse. I could also tell by his tone and the mannerism in which he spoke to me that clearly his co-worker told him something. I then very politely explained the situation again. This man told me very bluntly that he had been in the business 17 years and he had never heard of a story with so many lies and he insulted me further by informing me that I was a liar. He then proceeded to call me ignorant. He said for me to humor him and asked me to read my bank statement balance just to see what kind of " Negative Balance '' I had
04/30/2018	Yes	Debt collection Credit card debt	Took or threatened to take negative or legal action Threatened or suggested your credit would be damaged	MN 55122	Web
I have reached out to the collection agency several times to try and get the credit card debt resolved. Each time the agency has offered unreasonable options based on my financial situation. My most recent conversation with XXXX at the collection agency, on XX/XX/2018, last 15 minutes. My account balance as of this date is {$1700.00}. We discussed a settlement and a payment arrangement option, she said that the lowest they could offer was a 65 % settlement over 3 months. Or she told me to do {$470.00} down on the account, and then they could waive the late fees so the remainder of my balance would be {$1100.00}, and then I could start paying the regular monthly payments of $ 45-50/month. She said by doing this it would be paid in full, instead of doing a settlement and I would be paying the same amount as the settlement. I explained it would take a lot longer to get this paid off at $ XXXX/month, so I would be paying way more in the long run due to the high interest rate. She said that the interest rate is not negotiable but I NEEDED to do something because my account is not yet charged off. I offered to do 50 % as a settlement on the account, XXXX said XXXX 's would NEVER go that low. I told her I wasn't sure what to do then, because I can't afford the options she provided, and I would call back. She said she was going to put me on hold to see if there was someone that could assist me further. I said okay, thinking she would get back on the line and confirm if somebody else would be able to provide options that I could actually afford. Instead, she didn't get back on the line, she just transferred me right over to XXXX. When I got on the phone with XXXX he didn't verify who I was, outside of my name, and then asked how he could help me. I said I wasn't sure, I didn't know what was going on because I was just talking to someone else and now I'm talking to him and not sure why. He said yah I was talking to XXXX and she transferred me to him since he's the manager, and I won't make a payment. He then gave me the same exact option that XXXX gave me. He refused to resubmit my settlement offer to XXXX 's since he already did on XX/XX/XXXX and it was declined. I explained its now another 30 days late so they might be able to accept it. XXXX said no, it's still in the same standing ... which is not true according to my credit report. He kept trying to force me into an arrangement that I could not afford. I asked to be transferred back to XXXX, which he didn't like, and then finally did. I asked XXXX why she transferred me to him if he can't do anything to help me, she said because he is the team lead ( not the manager ). She then went on to list all the days that I called into the collection agency to try and get this resolved, as if it was a huge inconvenience for me to call and try to make arrangements, talking over me the whole time. Finally 21 minutes into the phone call she decided to verify my date of birth and last 4 of my ss #, and then decided to give me the mini miranda which had not happened up until this point. She then threw it in my face saying this account is mine, not hers, so it's not her problem. She also kept saying that it's still in a pre charge off status, essentially threatening what it would do to me if it charged off. She said the only time XXXX 's would ever accept a 50 % settlement is if it is charged off.
12/15/2016	Yes	Debt collection Auto	Communication tactics Frequent or repeated calls	AZ 85282	Web
Recently, I ventured out on my own as an XXXX. I purchased my first new car, as I had been on my bike for the past 3 years. A down payment was required, and new insurance. I wanted to come in the following week with cash in hand. XXXX XXXX XXXX said it was fine to post date a check. I pulled {$1500.00} from my 401k and deposited it. Inadvertently, I forgot about the insurance payment which was scheduled and it dropped below the amount needed. The check bounced. ( my account shows the deposit, and the transactions stated below -- this was not done on purpose as stated by XXXX. ) To make good, I went to the dealer, with {$1000.00} cash. They did not accept it, and said to wait for the loan company to take care of it. So I did. It went to collections. Waiting for a large fee from XXXX to come in to my XXXX, and the bill being on net 30 I could not give an exact date to make a payment. XXXX, of Qualia Collection Services, has called my step father, uncle and sister. My uncle has never been a reference in my entire life, so XXXX had to look him up somehow, and then left a message about the debt. He ( uncle ) then texted my mother about it. They left messages about the debt with all my family members. When I asked her about this she proudly replied collections agencies have info on millions of people. ( on a recorded line of course ) In the meantime, they kept trying to debit my checking account with the routing/account number on the check. This racked up nearly {$300.00} in debit and subsequent overdraft fees. I called the bank. I asked to put a stop payment, otherwise Qualia/XXXX/XXXX XXXX XXXX would have continued making charges. The bank refunded XXXX {$35.00} charges, but would not do any more than that. Is it legal for Qualia, or XXXX to make debits from the numbers on a check? At any rate, I 've sent {$25.00} until the my project fee comes in, at which time I plan to pay the debt in full. In recap, Qualia, or XXXX or XXXX XXXX XXXX XXXX debited my account 6 times from the routing/account numbers on the check ( I have the bank statement to show ). They 've researched my family in ways unknown to me and made it uncomfortable and embarrassing. On a recorded line XXXX called me a " liar '' about the architectural fee and stated she would " call my client if she had to. '' Admittedly, it 's taken longer than anticipated to get paid, but I ca n't make it go faster. I plan to go to the dealer XXXX XXXX XXXX and pay direct, so Qualia/XXXX does not make a commission. In addition, I will write Qualia to stop calling.
12/19/2017	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt is not yours	MA 02720	Web
I have been receiving numerous robocalls each day from the number XXXX. I have called this number back previously, and told whoever answered the phone to STOP CALLING ME. Today, I called that number again, and got XXXX XXXX on the phone. I told him to stop calling me, that I was on the Do Not Call list, and that we have no business together. He said it was n't a sales call, so he had every right to continue calling. So I asked what the purpose of the call was, since we do n't know each other. He said he was given my number as contact information for someone he was searching for. He said a name, which I believe was XXXX. He refused to indicate the nature of his call or the reason for the ongoing harassment. I told him nobody by that name was associated with me or my phone number ( any XXXX could XXXX and confirm it ). I then guessed " Debt collector! '' and he refused to respond. I then asked for all his contact information. This is the info he gave : company name XXXX, mailing address XXXX XXXX XXXX XXXX, CA XXXX XXXX I am assuming the above information is correct, but have no way to verify it. He could be a total lying scammer pretending to be from XXXX ( which is, as it turns out, a debt collection company! ). Or, he could just be a XXXX employee doing lazy, sloppy work. I am sick of being harassed about a debt that is n't mine.
06/05/2021	Yes	Debt collection Medical debt	Attempts to collect debt not owed Debt was paid	AZ 85283	Web
Hi. I had an XXXX XXXX done on my XXXX in 2020 and I was having trouble making the payments with the veterinary office. I have a long-standing relationship with the vet and they had put me into collections they decided to go ahead and take the payments from me directly and they called to the collection agency several times and told them to stop contacting me that they were working with me directly I brought this to the veterinary office attention a few times and they keep telling me that they have called them. This agrncy is a company called Qualia collection Services located in XXXX California who is telling me that I'm still in collections even though the vet has explained this to them. I have made five payments to them in the last two months. The payments were made directly to the vet who called off the collection agencies and instead are accepting payments directly from me. I just called the collector to explain and I was told that I'm still in collections and it's my problem. Very rudely hung up on. I will be attaching two of the receipts that I have on hand with me now. I apologize I left the other three at home but I'm sure the vet will be able to present the receipts as well. And I do have them if needed. I do not want to be threatened and kept in collections for a debt that's being paid to the veterinary office directly.
07/18/2017	Yes	Debt collection Auto debt	Communication tactics Used obscene, profane, or other abusive language	WA 98466	Web	Older American
In XXXX of 2017 my son purchased a car from XXXX XXXX XXXX in XXXX . Before my son went to the dealership to purchase they sent him to XXXX XXXX in XXXX to take out a bank account that the down payments were to be sent to. At the time of purchase the salesman collected from my son a blank check for {$2000.00}. We asked what this was for and he said do n't worry about it it is just a formality. The salesman said the down payments could be broken up in payments to XXXX XXXX to make things very easy. This sounded very good to us. All of the paperwork was signed and he left with the car. No word from anybody until a collection company started calling both my son and me to get the {$2000.00} for a company called cross check. he did not know what to do but gave them a debit card to get {$500.00}. I intervened when they wanted to get another {$750.00} a week later and they started calling me repeatedly. I told them that there was no problem in paying the remaining {$1500.00} but we did not even know who we were sending it to. I told them we were more than happy to make payment arrangements but instead XXXX the vice-president kept calling me a liar and yelling and demanded the full amount that day. The most disrespectful person I have ever talked to in my XXXX years.
02/21/2019	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt is not yours	CA 92707	Web
In XX/XX/2018, I contacted XXXX to have them come out on XX/XX/18 and spray for ants. I paid the initial fee of {$99.00} for the first visit and agreed to quarterly payments of {$120.00} every three months. On XX/XX/18, I emailed XXXX at XXXX saying that the ant problem was worse than before they came. She said that was normal. I emailed several more times saying I wasn't pleased with their service as the ants were still invading our house. On XX/XX/XXXX, I emailed stating that I did not want their service any longer because the ant problem was never resolved. I started getting emails saying that I owed them the {$120.00} for the first quarter even though it hadn't even been 3 months yet AND I paid for the initial treatment. I emailed XXXX on XX/XX/XXXX complaining again that I was still getting bill notices even though I had canceled the month before. I then contacted XXXX on XX/XX/18 and he basically said I never canceled even though I had a trail of emails showing that I did AND we weren't getting service from them anymore so why would I owe anything. He refused to listen or help with the situation. I have tried to contact him several times more and have received no response. In XX/XX/XXXX, I received a bill from Optio Solutions Collection agency for {$350.00}.
02/08/2016	Yes	Debt collection Auto	Communication tactics Used obscene/profane/abusive language	AZ 85286	Web
I called today at XXXX to try to get some inofrmation on some ACH checks that were runned in my checking account 3 times, without my permission I called today at XXXX to try to get some inofrmation on some ACH checks that were runned in my checking account 3 times, without my permission, I spoke first to XXXX and with XXXX or 2 mins of the call interrupted me and told me pretty much she did not want to listen to my story and to tell her why I was calling, I told her about the ACH check and she said they are not responsible for them and hung up on me. I called back and spoke to XXXX who claimed he was a supervisor and I expressed to him the issues that I am having with ACH ran on my account several times and mind you they have already been paid. He started making fun of me because I accidentally said I did collections for 30 years in reality XXXX and said so you started doing collections at XXXX and laughed at me and embarrassed me to others. He refused to give me any information or their fax number to send them the proof of my checks that I now have {$320.00}. negative balance because they ran it so much. XXXX also hung up on me. I called back and spoke to another lady who I do not remember her name who claimed she was a supervisor and was actually a pleasure to talk to
01/11/2020	Yes	Debt collection I do not know	Took or threatened to take negative or legal action Threatened or suggested your credit would be damaged	MI XXXXX	Web
The company is passed validation period of 30 days to validate debt. Consumer reserves the right to dispute any portion of the debt by law of the Fair Debt Collections Practice Act and Fair Credit Reporting Act. The company is reporting hs debt as a charge off and reporting late payments to credit bureaus where no way have I agreed are acknowledged the debt is mine. I have disputed this debt several times and demand an original signed ( wet ink ) contract with the original terms and interests proof of validation. I do not remember this debt are agreeing to an open account yet alone having the account with the original creditor and do not remember are acknowledging going into any contractual account with either the original creditor are the debt collector. By law it is the burden of the Collector to show I legally owe the debt and I demand proof by way of contract and this complaint is my dispute and Validation notice to the debt collector to provide that proof within 30 days of receiving this dispute and if it can not provide the original contact it must be removed from my credit reports and all attempts to collect the debt must stop. I also have letters attached from my attempts to have this debt verified and my verification letter dated XX/XX/2020.
07/28/2015	Yes	Debt collection Other (i.e. phone, health club, etc.)	Disclosure verification of debt Right to dispute notice not received	LA XXXXX	Web
A company called " QCS '' attempted to take {$200.00} out of my checking account. In addition they attempted to take {$25.00}. These attempts were made simultaneously. Two weeks later I started receiving calls from XXXX XXXX XXXX XXXX at my job and the caller claimed that they were attempting to collect a debt. I immediately asked for the details in writing and they stated that they had sent a letter. They had not. Each time they called I requested the details in writing. They claimed they sent it. I never received it. I stated, " if that is the case, FAX me a copy of the one you sent. '' They refused. I told them if they could not send it in writing, that I did not believe they were a collection agency but a scam. I asked them to stop calling me. They continued to call me every day for weeks. On XX/XX/XXXX15, nearly two months later, I received a letter from Qualia Collection Services, a unregistered collection agency claiming I owed a company called XXXX, XXXX the {$200.00}. I have never done business with XXXX, XXXX XXXX Louisiana Revised Statue XXXX requires collection agencies to be registered. ) I have sent them a dispute letter since receiving their letter. ( I can prove the calls via cell phone records. )
09/25/2018	Yes	Debt collection I do not know	Threatened to contact someone or share information improperly Contacted you after you asked them to stop	TX XXXXX	Web
You are hereby under provisions of Public Laws 95-109 and 99-361, also known as the " Fair Debt Collections Practices Act, '' notified that your services are no longer desired. You and your organization must CEASE & DESIST all attempts to collect the debt. Failure to comply with this law will result in my immediately filling a compliant with the Federal Trade Commission and the Texas Attorney General Office. I will pursue all criminal and civil claims against you and your company. Let this letter also serve as your warning that I may utilize telephone recording devices in order to document any telephone conversations that we may have in the future. Furthermore, if any negative information is placed on my credit bureau reports by your agency after receipt of this notice, this will cause me to file suit against you and your organization, both personally and corporately, to seek any and all legal remedies available to me by the law. Since it is my policy to neither to recognize nor deal with collection agencies, I intend to settle this account with the original creditor. Lawyers acting in the capacity of " Debt Collectors '' three or more times a year are considered " Debt Collectors. ''
01/25/2023	Yes	Debt collection Other debt	False statements or representation Attempted to collect wrong amount	TX 77373	Web	Servicemember
Attempting to collect {$5100.00} for work that would have been no more than {$1900.00} if the work would had been completed. {$1000.00} was paid prior to the start of any work. I have received a " second notice '' dated XX/XX/2023, after sending my requests and disputing debt with XXXX XXXX XXXX to the address listed on the notice as indicated on the notice. This notice has a different out of state address : XXXX XXXX XXXX XXXX, XXXXXXXX XXXX XXXXXXXX and same phone number XXXX XXXX, with only recorded lines. First correspondence was sent on XX/XX/2023, with and estimated delivery of XX/XX/XXXX Tracking # XXXX to XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX, as indicated on the collection notice. I have yet to receive communication regarding completing work or an itemization of actual work done. This company is using unethical practices to collect debts that are not owed to them. Documents attached showing {$1000.00} payment, estimate for work that XXXX was contracted, and picture of a portion of the incomplete work. Half of area painted, and paint does not match. I will be sending another certified letter to the new address provided on today XX/XX/2023.
01/27/2017	Yes	Debt collection I do not know	Communication tactics Frequent or repeated calls	MO 641XX	Web
I continue to get calls from a supposed Debt Collection Agency. They never say upon calling who they are, or why they are calling. They wait until they are sure you are not going to hang up and before you verify anything with them they ask you to verify your personal information. They will not identify themselves or who/where they are calling from. Several attempts to find out WHY they are calling have failed as they will not state why or who they are without verification of your personal information first. I 've been given XXXX different names of the company, XXXX of which is Qualia Collection Services. I 've told them the person they are trying to reach is not at my phone number multiple times and have asked them to please remove my number from their list every time they have called. This has been going on for months now and they still continue to contact me, and when I answer, it is the same situation every, single, time. The only reply they will typically give as to why they are calling is for " business ''. It takes a XXXX questions just to get them to say what company they are calling with.
11/19/2016	Yes	Debt collection Other (i.e. phone, health club, etc.)	False statements or representation Indicated committed crime not paying	TX 77539	Web
I have a company called qualia collection services from XXXXphone number XXXX threatening me with filing a felony check fraud charge against me. I had a XXXX and missed a lot of work and I requested to set up payment arrangements. The caller, named XXXX was very rude to me and told me that I had no business in a car lot buying a car that I could not pay the down payment. My XXXX obviously was not planned and they have been very rude to me. I asked to speak to another person than her because she was being so rude to me that she had me in tears, I spoke to another woman who I agreed to pay half of the amount owed this paycheck and the other half in one month, because they scared me with threatening me with fraud charges. I felt like my rights were being violated because I know you can not threaten charges against someone and then she began to recite the law in XXXX for checks, this is a check guarantee company and I 've asked for an address for the company which they will not give me so I can send them a letter stating I do not want to be harassed anymore.
06/16/2017	Yes	Debt collection Auto debt	Communication tactics Used obscene, profane, or other abusive language	TX 770XX	Web
I received a call from XXXX to call her that is when XXXX low with a nasty rude attitude and say to my son with the same nasty attitude, then XXXX low said to me i am tried off playing game with you and your son, i have not been talking to this child because that is what she is to me, XXXX low have been talk to my son about the payment arrangement, then i call to talk someone that is over these peoples and that is when this boy got on the phone with a nasty and rude XXXX over, the phone so i cursed him out, then i call back to get the last name, when XXXX said to me you are dealing with a lot of crazy peoples around here XXXX reuse to give XXXX last name, then XXXX reuse give me XXXX XXXX to see when he will be back to work, XXXX with his rude month said i do n't know i ; m not on a cell phone, these peoples need to be fired the se two peop les did't care to hear what you have to say whatsoever, when you get rude and nasty unprofessional represnting a company they sure be fired, what goes around comes around.
12/27/2019	Yes	Debt collection Other debt	False statements or representation Indicated you were committing crime by not paying debt	PA 19148	Web
On XX/XX/XXXX I wrote a check to XXXX and it was cleared through their system that the funds were available, as I was getting a {$3000.00} loan to cover the check that I was writing for {$2500.00}. I attempted to logon to their site to set up a payment plan to settle this, however it didn't work. I then e-mail saying my account was showing invalid. Today, XX/XX/XXXX, I was called by them, they have been calling me daily about 10 times per day, and I answered. During the conversation I was told that I had to pay the full balance in 48 hours or charges were going to be pressed and I had knowingly written a bad check, however I continually stated this was not that case and I had and could prove I had loan documentation to prove that the money was to be in the account. After several back and forth statements, he finally said if I do not make a payment by Tuesday XX/XX/XXXX then I will be reported to the local law officials. This is not fair and very threatening as I was not defrauding them.
05/29/2018	Yes	Debt collection Credit card debt	Attempts to collect debt not owed Debt was result of identity theft	PA 190XX	Web
This is a 3rd party debt collector, attempting to collect off a discharged, or closed account ... the original Creditor, was XXXX XXXX, when fraudulently opened in XX/XX/XXXX, in XX/XX/XXXX I sent a letter and repeated calls to XXXX that this account was not opened by myself, they closed it in XX/XX/XXXX, XXXX XXXX bank then attempted to add fees on a closed account, originally a XXXX dollar line of credit ... in the excess of XXXX dollars, so far. in XX/XX/XXXX I filed in court and notified them of a court date, they did not appear ... debt was removed, and XXXX XXXX removed it from my credit reporting file, on XX/XX/XXXX I received a letter form the Collection company XXXX, and repeated phone calls of harassment, on my JOb phone number, I am fed up of this, I am also enclosing the cease and desist letter I sent them ..thank you
07/15/2019	Yes	Debt collection Credit card debt	Written notification about debt Didn't receive enough information to verify debt	NC 27707	Web
I tried to contact this collection company, Qualia Collection Services in reference to XXXX XXXX/XXXX asking them to send me Vertifiable Proof ( Original Consumer Contract with my signature on it ) stating the debt of {$790.00} is mine. They have failed to vertify this account which has hurt my ability to obtain credit. This collection company has only sent 1 collection letter and I have sent them 4 dispute letters and have never received an response from them. This account doesn't belong to me. Under the FCRA, unverified accounts must be deleted if the company is unable to provide me a copy of vertifiable proof and this company is refusing to do so. Please assit in having this account remove from my XXXX, XXXX and XXXX Credit Report.
06/01/2021	Yes	Debt collection Credit card debt	Attempts to collect debt not owed Debt is not yours	FL 344XX	Web
Qualia Collection Services is attempting to collect a debt that does not belong to me. They sent me the attached notice of debt on XX/XX/XXXX. I've attempted to resolve this by contacting the company asking for validation of this alleged debt. I sent out correspondence via USPS mail on XX/XX/XXXX. I have yet to receive any form of sufficient validation of this debt, or any correspondence at all from Qualia Collection Services. As far as I know, this has not been reported to any of the credit bureaus but I'd like them to cease all collection efforts and assure me that this will not be reported to the credit bureaus as this alleged debt does not belong to me. I am requesting legal action to terminate this account immediately. Thank you.
01/09/2023	Yes	Debt collection Auto debt	Attempts to collect debt not owed Debt is not yours	FL 33484	Web	Older American
XX/XX/XXXX, we purchased a car from XXXX XXXXXXXX XXXX XXXX XXXX, and paid portion with a credit card and a check. {$5000.00} on the Credit Card, and {$14000.00} by check. The check was fully collected on XX/XX/XXXX without an problem. Qualia Collection Services XXXX XXXX XXXX XXXX, CA XXXX Sent us a collection of {$700.00} in th of XXXX XXXX in forformerr check us returned, and this is a penalty for the default on the check. I have contacted the collection company and informed that my bank never rejected the check. Qualia Collection Services, where persisted that we must pay the account # XXXX if we don't want this collection on my credit report. So I come to you CFPB, to help stop this and protect others from this scam.
11/06/2015	Yes	Debt collection Auto	Communication tactics Threatened to take legal action	FL 33196	Web
My wife mistakenly wrote a check from the wrong account and it was returned NSF. We immediately contacted the payee to redeposit the check and transferred the funds, which covered the entire amount. The day after the check was paid in full we were charged {$1000.00} by Qualia Collection Services ( QCS ) as a return check fee, which we have disputed. I attempted to speak with QCS to pay a reasonable return fee but the individuals I spoke with only responded that they are charging the maximum allowed by the state and that the fact that the entire amount was paid in less than 3 days did not make a difference. I was also threatened with a lawsuit if I did not pay the entire amount.
11/27/2015	Yes	Debt collection Credit card	Cont'd attempts collect debt not owed Debt was paid	AZ 85208	Web
I received a settlement offer to pay off my debt for my XXXX XXXX credit card account from XXXX XXXX XXXX. I received this offer on XX/XX/XXXX. I sent the settlement offer amount on XX/XX/XXXX ; documentation to support. Over the last year I have received several notifications that I still owe on this account, and several collections agencies have sent me letters ; documentation to support XXXX agencies still trying to collect this debt. I found out todayXX/XX/XXXX, that this debt is still active against my credit report and is effecting my credit score. I want this debt erased, and I want my credit score adjusted to when I actually made the settlement payment back XX/XX/XXXX.
11/16/2016	Yes	Debt collection Credit card	Communication tactics Called after sent written cease of comm	WI 53029	Web
I instructed via a written signed letter faxed to the debt collector that all further communication is to be through my husband as he has my POA for all financial matters - a copy of which I have offered to them if requested. I gave explicit instructions that only he is authorized to deal with this matter and gave both his cell number and his email address for that purpose. Shortly after faxing that letter, my husband received a call from the debt collector. He was told that they had to talk to me. My husband said no as per the faxed letter. The debt collector said they would try to contact me later. Clearly they have ignored my written instructions in violation of FDCPA.
03/12/2018	Yes	Debt collection Credit card debt	Attempts to collect debt not owed Debt is not yours	IL 60089	Web
Received notice in mail from XXXX XXXX XXXX that I owe a debt from a XXXX 's charge account. I contacted XXXX 's and they have no record of the account existing. I received a different notice in the mail during the XX/XX/2017 year from XXXX XXXX XXXX about a different debt, also from XXXX 's that never existed ( i have received 2 separate collection notices from XXXX XXXX XXXX about debts that never existed ). I firmly believe they are creating fraudulent collection notices and sending them to people in an attempt to collect on fake debts. Please do something about this company before they successfully scam others!
04/13/2019	Yes	Debt collection Credit card debt	Attempts to collect debt not owed Debt is not yours	AL 356XX	Web
I was alerted by XXXX and XXXX that the collection agency by the name of XXXX XXXX XXXX added a file to my credit report. I initially disputed it on XX/XX/XXXX as fraudulent due to the fact that I am not aware of this company nor have I ever signed a contract and/or account with this company. To no avail they did nothing. Fast forward to XXXX, I have researched and revealed that this company is not bonded in the state of Alabama to collect debts owed or otherwise. It is illegal to collect a debt if the company is not registered with the Alabama Secretary of State. This company is not in Alabama 's database.
09/28/2015	Yes	Debt collection Other (i.e. phone, health club, etc.)	Taking/threatening an illegal action Threatened arrest/jail if do not pay	TX 77070	Web
This collection company was a group of men that I feel threating behind their calls. XXXX XXXX who represented himself as a manager for the company Qualia Collection agency laughed at me. Used a very threatening tone with me and told me that my mom was going to be charged in the state of Texas unless the debt was paid. I am in tears and shaking after speaking with them and I am in fear that these men even have my information. I ca n't believe that this is acceptable to collect a debt and never have I ended up in tears and felt badgered for someone simply trying to collect a debt.
09/07/2022	Yes	Debt collection Medical debt	Attempts to collect debt not owed Debt is not yours	WA 98684	Web
On XX/XX/2022, I received a letter from Optio regarding a debt they are trying o collect. I requested " 1 ) a copy of my original contract with my original signature for the debt 2 ) The name and address of the original creditor 3 ) My full payment history from the original creditor 4 ) proof that Optio now owns or has been assigned o collect the debt. '' on the same day and mailed via certified mail, and per USPS, Optio received my letter on XX/XX/2022. Instead of providing the requested information, Optio kept asking for debt o be paid. Optio failed to validate the debt.
09/18/2023	Yes	Debt collection Auto debt	Communication tactics Frequent or repeated calls	FL 34234	Web
This is XXXX XXXX XXXX, I filed for Bankruptcy on XX/XX/2023. Im receiving harassment telephone calls from Optio Solutions. Im requesting this company to cease & stop contacting me about a debt I dont owe. Im in pre litigation with XXXX. In the court case or arbitration meeting all matters will be resolved and addressed by my attorney. An automatic stay has been ordered by the petition filing of my bankruptcy. If Optio Solutions continues to contact me I will file harassment charges and a lawsuit against this company.
04/26/2017	Yes	Debt collection Other debt	Written notification about debt Didn't receive enough information to verify debt	FL 34957	Web	Servicemember
On XXXX XXXX , XXXX I picked up mail from XXXX XXXX XXXX XXXX which they were holding for no apparent reason. I found QCS notice to collect {$450.00} from me. I called asking what this was about and all they would say that it was a outstanding bill from XXXX XXXX for {$160.00} .i asked for information and they only said it was turned over them the beginning of XXXX . I stated that I never received any bill from XXXX XXXX . I called XXXX XXXX and all they told me is that the account was closed.
08/22/2023	Yes	Debt collection I do not know	Communication tactics Frequent or repeated calls	UT 84081	Web
I have been getting repeated phone calls from this company. This morning a man pulled up to the house, it was a scary situation, jumped out of his car asking for the occupant of the house. I dont know who he is but i was able to have a quick glance at the paper he was holding and it showed QCS. It occured to me i had seen that name appear on my phone. He left and waited in his car for a while and drove off. I was shaking and not sure who he really is that came to my house. he looked dangerous.
06/12/2018	Yes	Debt collection I do not know	Communication tactics Frequent or repeated calls	NC 280XX	Web
multiple calls with no message left on the answering machine - their number maps to XXXX - apparently, a known abusive collection agency holding company. I owe no debts other than mortgage and a car loan - both are ahead of payment schedule and at last check, my FICO rating was XXXX! They are in violation by not identifying the company in caller ID and probably additional violations regarding their telephone practices.
05/12/2023	Yes	Debt collection Other debt	Took or threatened to take negative or legal action Threatened or suggested your credit would be damaged	GA 30281	Web
As of XX/XX/2023 Qualia Collection Services is reporting a collection account with the 3 credit bureaus ; XXXX, XXXX and XXXX. They are reporting a collection in the amount of {$110.00} I have been disputing this account with the 3 credit bureaus for years. I have also requested for them to provide me with verification of the debt and have yet to do so. The credit bureaus are still reporting the account on my credit.
02/11/2019	Yes	Debt collection Other debt	Took or threatened to take negative or legal action Threatened or suggested your credit would be damaged	AZ 850XX	Web
Attempted to acquire written proof of debt as allowed by law. Company refused. Company refusing to take any payment less than the full amount or likewise. Company acting unprofessionally making threats to damage my credit. Company does not appear to be licensed in the state of California under assumed name and company refused to provide licensing information. Company tactics are meant to scare and demean person.
02/13/2016	Yes	Debt collection Other (i.e. phone, health club, etc.)	Improper contact or sharing of info Talked to a third party about my debt	CA 91750	Web
The debt collector somehow got a hold of a few people I know such as a close friend and family member and told them about my debt in detail and threatens that I am in big trouble. There are XXXX representatives who have called and made the threats and gave out my personal information. XXXX is XXXX and XXXX is the other. XXXX was very rude and made threats to my mother and my close friend when we spoke to them.
04/17/2016	Yes	Debt collection Other (i.e. phone, health club, etc.)	Improper contact or sharing of info Contacted me after I asked not to	OH 43560	Web	Older American
XXXX tried to repair my 24 year old clothes dryer, after assuring that it will work like new again, which did not produce enough heat to dry clothes at a reasonable time.But they failed to do so. It produced same inadequate heat like before. After repeatedly asking to correct the situation, I finally stopped payment. Now they are hounding me to collect even more money from me.
09/01/2015	Yes	Debt collection Other (i.e. phone, health club, etc.)	False statements or representation Attempted to collect wrong amount	CA 94559	Web
Optio Solutions LLC in XXXX California was contracted by XXXX to collect on an invoice which the vendor XXXX performed inadequate and non-completed work. Optio Solutions LLC was informed in writing twice that their attempt to collect on an invoice which was for false work. It was communicated in writing to XXXX XXXX four times that their work was incomplete and inadequate.
05/08/2015	Yes	Debt collection Auto	Taking/threatening an illegal action Threatened arrest/jail if do not pay	CA 90710	Web
QCS has repeatedly threatened to submit my debt to the district attorney if I do not find funds immediately. I was not even allowed to wait for their demands in writing. They attempt to damage your livelihood if they are not paid immediately. XXXX tactics and speak to you as if you are a XXXX human being with no respect.
11/05/2015	Yes	Debt collection Credit card	Disclosure verification of debt Not disclosed as an attempt to collect	GA 30052	Web
COmpany called me stating the lady was from XXXX, I made a payment to XXXX, only to find out the lady lied to me and is infact a debt collector from the company Qualia Collection Svcr. This lying is misleading and wrong. I spoke to XXXX directly to make the payment in the past, and not this company. Lying is not allowed
05/10/2023	Yes	Debt collection I do not know	False statements or representation Told you not to respond to a lawsuit they filed against you	TX 76244	Web	Servicemember
I have a lawyer suit files against me but want to verify workplace and income. Threat me with arrest at my workplace. Unfortunately I'm on fixed income and all.goes to medical. Thou I have block their number. It still shows up.as QCS. XXXX PS They are others companies or calls asking for a XXXX XXXX using my number.
11/15/2023	No	Debt collection I do not know	Attempts to collect debt not owed Debt is not yours	CA 926XX	Web	Older American
I have a {$120.00} debt collection on my credit report with Qualia debt collection. They have no record of this and I would never not pay a {$120.00} bill. This is incorrect. Qualia debt collectors has absolutely no record of this. They couldn't find me in their data base. Incorrect report on my XXXX credit report.
08/07/2023	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt is not yours	MD 21157	Web
Found out about this fraudulent charg, {$550.00}, from XXXX credit reporting agency and have made 2 calls to Qualia Collection Services. Left my name and phone number, along with the Qualia account number. Have not received a call back concerning this claim and have disputed the {$550.00} claim at XXXX.
07/20/2023	Yes	Debt collection Other debt	Written notification about debt Didn't receive enough information to verify debt	AZ 85027	Web
I have three accounts with this collection company, and when I requested a debt verification, they verbally refused to send any debt verification. The lady whom I spoke to was very aggressive and rude. She refused to work with me in sending me a debt verification.
04/06/2022	Yes	Debt collection Auto debt	Communication tactics Used obscene, profane, or other abusive language	FL 33705	Web
I was imitated as a bumbling monkey, and mocked for being honest and trying to solve the problem. The lack of professionalism and respect for what my ancestors sacrificed in order for me to be free shouldn't be minimized or disrespected
08/10/2023	Yes	Debt collection Other debt	Written notification about debt Didn't receive enough information to verify debt	CA 95409	Web
Hi there, The reference # is XXXX, regarding XXXX XXXX XXXX. This is the first time I received the letter. On which address is this debt collection about? Please email me at XXXX or call my land line at XXXX. Regards, XXXX XXXX
08/27/2021	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt is not yours	AZ 853XX	Web
I have received a letter from QCS-Qualia Collection Services with letter informing me this is an attempt to collect a debt for XXXX XXXX XXXX in the amount of {$790.00}
09/15/2023	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt is not yours	TN 37876	Web	Older American, Servicemember
XXXX XXXX XXXX phone number keeps calling my cell. When researched, Qualia Collection Services appears from the search and I know I have no outstanding debt.
05/11/2015	Yes	Consumer Loan Vehicle lease	Managing the loan or lease	CA 90710	Web
XXXX/XXXX/2015 QCS ITEMFEE CK RETURN FEE ID XXXX CO QCS ITEMFEE CK ACH ECC PPD ACH Trace XXXX {$25.00} {$550.00}
02/12/2016	Yes	Debt collection Auto	Communication tactics Threatened to take legal action	NY 124XX	Web	Older American
called by this debt collector told him not to call after XXXX and he became abusive and threatening.
06/18/2015	Yes	Debt collection I do not know	Communication tactics Frequent or repeated calls	WA 98056	Web
Calling my work frequently after being asked to stop.
07/28/2023	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt was result of identity theft	TX 79905	Web
Debt is not mine.
12/17/2023	No	Credit reporting or other personal consumer reports Credit reporting	Problem with a company's investigation into an existing problem Their investigation did not fix an error on your report	AZ XXXXX	Web

12/11/2023	No	Debt collection Other debt	Attempts to collect debt not owed Debt was result of identity theft	FL 33594	Web

11/06/2023	No	Credit reporting or other personal consumer reports Credit reporting	Improper use of your report Reporting company used your report improperly	KY 40223	Web

11/01/2023	Yes	Debt collection I do not know	Took or threatened to take negative or legal action Threatened or suggested your credit would be damaged	IL 60409	Web

10/26/2023	Yes	Debt collection I do not know	Written notification about debt Didn't receive enough information to verify debt	TX 79031	Web	Servicemember

08/14/2023	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt is not yours	MN 55438	Web

08/10/2023	Yes	Debt collection Other debt	False statements or representation Attempted to collect wrong amount	OH 44146	Web

08/07/2023	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Improper use of your report Reporting company used your report improperly	TX 76705	Web

07/31/2023	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	TN 37013	Web	Older American

07/12/2023	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	SC 29651	Web

06/20/2023	Yes	Debt collection Other debt	Written notification about debt Didn't receive enough information to verify debt	OH 43953	Web

05/15/2023	Yes	Debt collection Auto debt	Attempts to collect debt not owed Debt was paid	CA 95377	Phone

04/01/2023	Yes	Debt collection I do not know	False statements or representation Attempted to collect wrong amount	GA 30519	Web

03/08/2023	Yes	Debt collection Credit card debt	Written notification about debt Didn't receive enough information to verify debt	MI 49015	Web

01/05/2023	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt is not yours	OH 44143	Web

09/10/2022	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt is not yours	CA 90046	Web

08/26/2022	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt was result of identity theft	MI 48154	Web

06/03/2022	Yes	Debt collection Medical debt	Written notification about debt Didn't receive enough information to verify debt	CA 91792	Referral

05/24/2022	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt was result of identity theft	CA 95070	Web	Older American

04/06/2022	Yes	Debt collection Credit card debt	Took or threatened to take negative or legal action Threatened to sue you for very old debt	NY 10505	Web

01/12/2022	Yes	Debt collection Auto debt	Communication tactics Used obscene, profane, or other abusive language	AZ 85303	Phone

09/04/2021	Yes	Debt collection Other debt	Took or threatened to take negative or legal action Threatened or suggested your credit would be damaged	TX 77070	Web

07/07/2021	Yes	Debt collection Auto debt	Took or threatened to take negative or legal action Threatened or suggested your credit would be damaged	CA 90305	Web

03/23/2021	Yes	Debt collection Auto debt	Written notification about debt Didn't receive enough information to verify debt	NY 11766	Referral

02/05/2021	Yes	Debt collection Credit card debt	Written notification about debt Didn't receive enough information to verify debt	FL 34243	Phone

09/02/2020	Yes	Debt collection I do not know	False statements or representation Attempted to collect wrong amount	CA 92675	Web

05/06/2020	Yes	Debt collection Other debt	Took or threatened to take negative or legal action Threatened or suggested your credit would be damaged	CA 91709	Web

02/10/2020	Yes	Debt collection Credit card debt	Attempts to collect debt not owed Debt was result of identity theft	IA 52246	Web

02/07/2020	Yes	Debt collection Credit card debt	Threatened to contact someone or share information improperly Talked to a third-party about your debt	OH 43138	Web

01/29/2020	Yes	Debt collection Credit card debt	Attempts to collect debt not owed Debt is not yours	MI 49713	Web

12/10/2019	Yes	Debt collection Auto debt	Threatened to contact someone or share information improperly Contacted your employer	FL 33647	Phone

11/18/2019	Yes	Debt collection Credit card debt	Attempts to collect debt not owed Debt was result of identity theft	NJ 07751	Web

10/17/2019	Yes	Debt collection Auto debt	Attempts to collect debt not owed Debt is not yours	NY 11220	Phone

09/20/2019	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	CA 92595	Phone	Older American

08/16/2019	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt is not yours		Phone

04/03/2019	Yes	Debt collection Credit card debt	Written notification about debt Didn't receive enough information to verify debt	NJ 08690	Referral

02/28/2019	Yes	Debt collection Other debt	Took or threatened to take negative or legal action Sued you in a state where you do not live or did not sign for the debt	NY 10595	Web	Servicemember

02/09/2019	Yes	Debt collection I do not know	Threatened to contact someone or share information improperly Contacted your employer	CA 90805	Web

11/21/2018	Yes	Debt collection Other debt	Threatened to contact someone or share information improperly Talked to a third-party about your debt	WA 98045	Web

10/16/2018	Yes	Debt collection I do not know	Communication tactics Frequent or repeated calls		Phone

10/08/2018	Yes	Debt collection Other debt	Communication tactics You told them to stop contacting you, but they keep trying	AZ 85041	Web

09/19/2018	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Account status incorrect	PA 18031	Phone

07/03/2018	Yes	Debt collection I do not know	Written notification about debt Didn't receive enough information to verify debt	MI 48225	Postal mail

02/22/2018	Yes	Debt collection Auto debt	False statements or representation Indicated you were committing crime by not paying debt	CA 91935	Web

02/09/2018	Yes	Debt collection Auto debt	Communication tactics Used obscene, profane, or other abusive language	CA 91384	Web

12/04/2017	Yes	Debt collection Auto debt	Took or threatened to take negative or legal action Threatened or suggested your credit would be damaged	TX 77382	Web

03/10/2017	Yes	Debt collection Credit card	Disclosure verification of debt Not given enough info to verify debt	NJ 07747	Referral

10/03/2016	Yes	Debt collection Auto	False statements or representation Indicated committed crime not paying	CA 94533	Referral

09/26/2016	Yes	Debt collection Other (i.e. phone, health club, etc.)	Communication tactics Frequent or repeated calls	TX 77375	Web

09/22/2016	Yes	Debt collection Other (i.e. phone, health club, etc.)	Disclosure verification of debt Not given enough info to verify debt	KY 40504	Referral

08/08/2016	Yes	Debt collection Other (i.e. phone, health club, etc.)	Cont'd attempts collect debt not owed Debt is not mine	CA 92552	Web

06/02/2016	Yes	Debt collection Other (i.e. phone, health club, etc.)	Improper contact or sharing of info Talked to a third party about my debt	TX 75150	Phone

05/18/2016	Yes	Debt collection Auto	Disclosure verification of debt Not given enough info to verify debt	AZ 85051	Postal mail	Older American

05/03/2016	Yes	Debt collection Other (i.e. phone, health club, etc.)	Improper contact or sharing of info Talked to a third party about my debt	AZ 85298	Phone

04/20/2016	Yes	Debt collection Auto	Taking/threatening an illegal action Attempted to/Collected exempt funds	NY 11375	Web

04/14/2016	Yes	Consumer Loan Vehicle lease	Problems when you are unable to pay	CA 91762	Web

04/07/2016	Yes	Debt collection Auto	Communication tactics Threatened to take legal action	AZ 85355	Phone

03/22/2016	Yes	Debt collection Other (i.e. phone, health club, etc.)	Cont'd attempts collect debt not owed Debt is not mine	CO 80528	Web

03/18/2016	Yes	Debt collection Auto	Cont'd attempts collect debt not owed Debt is not mine	AZ 85355	Phone	Older American

02/29/2016	Yes	Debt collection Auto	Disclosure verification of debt Not given enough info to verify debt	VA 23509	Web

01/21/2016	Yes	Debt collection Other (i.e. phone, health club, etc.)	Improper contact or sharing of info Talked to a third party about my debt	WA 98499	Web

12/28/2015	Yes	Debt collection Other (i.e. phone, health club, etc.)	Improper contact or sharing of info Talked to a third party about my debt	OH 44512	Web	Servicemember

12/14/2015	Yes	Debt collection Other (i.e. phone, health club, etc.)	Communication tactics Frequent or repeated calls	PA 17406	Referral

08/06/2015	Yes	Debt collection Auto	Communication tactics Threatened to take legal action	CA 92630	Web

06/29/2015	Yes	Debt collection Credit card	Communication tactics Frequent or repeated calls	GA 30189	Phone

06/23/2015	Yes	Debt collection I do not know	Improper contact or sharing of info Contacted me after I asked not to	CA 94010	Web

05/30/2015	Yes	Debt collection Non-federal student loan	Communication tactics Called outside of 8am-9pm	AZ 85374	Web

05/07/2015	No	Debt collection I do not know	Communication tactics Threatened to take legal action	CA 92735	Phone

04/20/2015	Yes	Debt collection Credit card	Cont'd attempts collect debt not owed Debt is not mine	OR 97220	Referral

03/14/2015	Yes	Debt collection Medical	Communication tactics Used obscene/profane/abusive language	PA 17543	Web

03/10/2015	Yes	Debt collection I do not know	Cont'd attempts collect debt not owed Debt is not mine	NJ 08096	Web

03/10/2015	Yes	Debt collection Credit card	Cont'd attempts collect debt not owed Debt is not mine	AZ 85282	Web

03/09/2015	Yes	Debt collection Credit card	Communication tactics Frequent or repeated calls	NJ 08515	Web

02/27/2015	Yes	Debt collection Auto	Cont'd attempts collect debt not owed Debt is not mine	NV 89052	Web	Servicemember

02/25/2015	Yes	Debt collection Other (i.e. phone, health club, etc.)	Communication tactics Frequent or repeated calls	TX 76901	Phone

02/21/2015	Yes	Debt collection Auto	Communication tactics Used obscene/profane/abusive language	TX 77375	Web

12/11/2014	Yes	Debt collection Other (i.e. phone, health club, etc.)	Improper contact or sharing of info Talked to a third party about my debt	TX 76179	Web	Servicemember

11/04/2014	Yes	Debt collection I do not know	Disclosure verification of debt Not disclosed as an attempt to collect	FL 32817	Web

09/29/2014	Yes	Consumer Loan Vehicle loan	Shopping for a loan or lease	SC 29575	Web

09/22/2014	Yes	Debt collection Auto	Cont'd attempts collect debt not owed Debt is not mine	WA 98596	Web

09/18/2014	Yes	Debt collection Medical	Communication tactics Used obscene/profane/abusive language	LA 70461	Web

08/27/2014	Yes	Debt collection I do not know	Communication tactics Frequent or repeated calls	MI 49009	Web

08/16/2014	Yes	Debt collection Medical	Cont'd attempts collect debt not owed Debt was paid	CA 92392	Web

08/06/2014	Yes	Bank account or service Other bank product/service	Account opening, closing, or management	CA 90004	Postal mail

08/04/2014	Yes	Debt collection Credit card	Cont'd attempts collect debt not owed Debt was paid	WI 53014	Referral

07/18/2014	Yes	Debt collection Auto	Communication tactics Threatened to take legal action	CA 92108	Web	Servicemember

07/10/2014	Yes	Debt collection Non-federal student loan	Cont'd attempts collect debt not owed Debt is not mine	NE 68502	Web

06/30/2014	Yes	Debt collection I do not know	Improper contact or sharing of info Contacted employer after asked not to	FL 34691	Web	Servicemember

03/30/2014	Yes	Debt collection I do not know	Communication tactics Frequent or repeated calls	GA 30907	Web

03/17/2014	Yes	Debt collection Other (i.e. phone, health club, etc.)	Cont'd attempts collect debt not owed Debt is not mine	TX 77539	Web	Servicemember

02/28/2014	Yes	Debt collection Other (i.e. phone, health club, etc.)	Communication tactics Used obscene/profane/abusive language	TX 77099	Web

02/25/2014	Yes	Debt collection I do not know	Communication tactics Frequent or repeated calls	CT 06514	Web

01/23/2014	Yes	Debt collection Other (i.e. phone, health club, etc.)	Communication tactics Threatened to take legal action	CA 93065	Web

01/02/2014	Yes	Debt collection Auto	Improper contact or sharing of info Talked to a third party about my debt	AZ 85260	Phone

09/24/2013	Yes	Debt collection Non-federal student loan	False statements or representation Impersonated an attorney or official	CA 91203	Web