ORG GC GP Buyer, LLC CFPB Complaints

2000 Latest Complaints

Date Received	Timely Response	Product	Issue	State / Zip	Submitted Via	Tags
01/18/2022	Yes	Debt collection Other debt	Took or threatened to take negative or legal action Threatened or suggested your credit would be damaged	WY 82009	Web
I am writing to you regarding the Utah State Tax Commission and the tax collection practices within the Commission. The Utah State Tax Commission is currently engaged with GC Services for collection of back and past due taxes involving individual accounts. Based on a letter that I received from GC Services on XXXX, XX/XX/XXXX, I currently owe the Utah State Tax Commission, {$4200.00}. The letter from GC Services dated XX/XX/XXXX, alleges that GC Services has made repeated attempts to contact me by telephone and letters urging me to contact GC Services, regarding my Utah State Tax Commission delinquency. This letter from GC Services, is false and misrepresents the facts surrounding my account at the Utah State Tax Commission. I have been making monthly payments directly to the Utah State Tax Commission on my account. Because of what I have experienced with GC Services and the Utah State Tax Commission, on Friday, XX/XX/XXXX, I reached out to the Utah State Taxpayer Advocate requesting assistance to establish a repayment plan. On Friday, XX/XX/XXXX, I received a call from the taxpayer advocate however, as I quickly realized, the taxpayer advocate representing the Utah State Tax Commission is no other than GC Services! Obviously, I was shocked, but not at all surprised based upon what I have experienced with the Utah State Tax Commission and GC Services. The Utah State Tax Commission has completely misrepresented the rights of taxpayers and falsely advertised what they claim is the Taxpayer Advocate within the State of Utah. There is a huge difference between a debt collector and advocate! Debt collection is the process of pursuing payments of debts owed by individuals or businesses. An organization that specializes in debt collection is known as a collection agency or debt collector. The role of an advocate is to offer independent support to those who feel they are not being heard and to ensure they are taken seriously and that their rights are respected. It is also to assist people to access and understand appropriate information and services. The Utah State Tax Commission and GC Services have repeatedly engaged in violations of the Fair Debt Collection Practices Act ( FDCPA ). When I spoke with the agent from GC Services on XX/XX/XXXX, at XXXX PM, the agent told me they were calling on behave of the Utah State Taxpayer Advocates regarding my request to set up a payment plan. I then explained my situation, that I had been seriously ill with XXXX and had not been working full time, that I was making payments to the Utah State Tax Commission based on what I could afford at the time. The Utah State Taxpayer Advocate from GC Services immediately wanted me to set up automatic payments going directly to GC Services that I could not afford. When I explained that I could not afford the payments they were requiring nor did I want to make payments directly to GC Services, the agent then informed me that I could continue to make payments as I had been but that I needed to contact GC Services once I was working full-time to arrange payments that fit into the required payment model. I was told that unless I set up automatic payments directly with GC Services, I could not be considered for payment arrangements. I agreed that once I was employed full-time that I would contact GC Services and update the payment arrangements. The last time I spoke with anyone at GC Services was on XX/XX/XXXX, at XXXX PM. Based on my phone records, I have not received any additional calls from GC Services since that date nor had I received any written communications in XXXX from GC Services. Please look at the language included on the letter enclosed that I received from GC Services today, Thursday, XX/XX/XXXX. As of today, XX/XX/XXXX, I requested verification from GC Services regarding all attempts to contact me both by telephone and written communication. Because I am unable to meet the payment requirements that GC Services and the Utah State Tax Commission have required, I have been denied the right to enter into a monthly payment agreement and as a result have been threatened with wage garnishment, had liens and warrants filed against me. All while making monthly payments that I could afford to the Utah State Tax Commission. I am essentially being punished for being poor and not being able to meet the payment requirements of the Utah State Tax Commission and GC Services. I have chosen to make payments directly to the Utah Tax Commission and not GC Services and as a result, have been harassed, threatened, and punished with excessive legal fees and judgements. Adding additional liens, warrants, and wage garnishments to my account, only continues to add to the balance, all while I have been paying what I could afford now. The excessive amount of legal action taken against me during the pandemic amounts to cruel and usual punishment! Because of the trauma and repeated psychological abuse experienced at the hands of the Utah State Tax Commission and GC Services, on XX/XX/XXXX, I filed Form 911, Request for Taxpayer Advocate Service Assistance with the IRS. Being under constant psychological threat and fear, at the hands of the Utah State Tax Commission and GC Services, has taken a huge toll on my emotional, mental, and physical well-being. Having my wages garnished, potentially means that I would no longer be able to afford my apartment, holding down a job while homeless is next to impossible which serves to only prolong my ability to repay this debt. In XXXX, I filed for chapter XXXX bankruptcy, which I completed on my own. I had included the tax debt at the Utah State Tax Commission within the bankruptcy, however, the Utah State Tax Commission refused to accept that I had included the tax debt within the bankruptcy because apparently, I didnt file the correct paperwork they required. Based upon what I was told from the Utah State Tax Commission, I had to accept the lability for the tax debt even though I had filed for chapter 7 bankruptcy to get a fresh start and had included the tax debt at the Utah State Tax Commission within the bankruptcy. I was denied the opportunity of a fresh start because of the Utah State Tax Commission and due to the excessive liens, judgements and warrants issued, my credit is destroyed. In XXXX I requested an offer in compromise, suggesting that I pay just the total tax owed and requested that the penalties, interest, and late fees be waved so that I could have an opportunity for a fresh start by simply paying the total tax owed. This offer in compromise was rejected. In the State of Utah and the United States, you are punished for being poor. I completed the chapter 7 bankruptcy filling on my own, because I couldnt afford an attorney and as a result, the Utah State Tax Commission has ensured that my credit is destroyed and additionally added a huge amount of legal fees onto my account. Based on the Utah State Tax Commission using their collection agency as a tax advocate, taxpayers in the State of Utah have zero rights. I believe that it is in the interest of justice and all taxpayers under the Utah State Tax Commission for the Tax Division and the Consumer Protection Branch at the U.S. Department of Justice to investigate the abusive and predatory practices at the Utah State Tax Commission and GC Services. Having lived in other states, Ive experienced other States Tax Commissions, for example Colorado. The Colorado State Tax Commission website is topnotch, transparent, and effective, all the taxpayer information is assessable to the taxpayer. The complete taxpayer account ledger is available online, making it very easy for the taxpayer to verify any account related information in the State of Colorado. Address changes can be submitted online. Any issues can easy be resolved in a professional and timely manner. The Utah State Tax Commission and their website is inept! Address changes must be made through the US Postal Service ; no individual taxpayer information can be accessed online. While the Utah State Tax Commission says that you are entitled to your individual taxpayer account information, you must request the information again through the US Postal Service. If you request an accounting ledger of your account, the Utah State Tax Commission makes you pay to verify the accounting on your own taxpayer account. There is zero transparency surrounding the accounting practices at the Utah State Tax Commission and no easy and effective way for the taxpayer to verify anything with the commission. The Utah State Tax Commission website is an inept mess stuck in 1999 with little effectiveness. I am not denying the debt owed to the Utah State Tax Commission. There has been and continues to be egregious practices on behave of the Utah State Tax Commission and potentially illegal practices on behalf of the Utah State Tax Commission and GC Services. I have included the letters and communications that I have received from GC Services, all the statements they have made on behalf of the Utah State Tax Commission should be easily verifiable, if in fact truthful. Lastly, I have included a letter that I received from the Utah State Tax Commission, dated XX/XX/XXXX. This letter was sent to the wrong address, I have little confidence in the Utah State Tax Commission given the fact they cant even get an individuals address correct! Is it reasonable for me to have any confidence in anything the Utah State Tax Commission does or continues to do given what I have experienced and the complete lack of transparency at the Utah State Tax Commission? Thank you for your time and consideration.
06/28/2017	Yes	Student loan Federal student loan servicing	Dealing with your lender or servicer Received bad information about your loan	LA 70068	Web
TIMELINE OF RECENT STUDENT LOAN COMMUNICATIONS WITH GC SERVICES XX/XX/XXXX - Date of Letter from Department of Treasury regarding offset of {$1900.00} applied to debt owed to US Department of Education. Letter states the agency ( DOE ) previously sent a letter explaining the amount and type of debt and the rights available and that the agency intended to collect the debt by intercepting any federal payment. The letter also stated that the notice was sent to the last known address ( who knows what address they had on file ). If the DOE is able to offset an income tax refund it should be able to find your last known address easily, i.e. last tax return, ss #, etc. This letter was never received by debtor. Do not have exact date - Called GC Services asking for more information on the debt. Did receive verbal information the amount owed, interest rate, where to find where the payments that were made for many years were applied. I requested a copy of the Promissory Note which -- -- -- -- signed. GC Services referred me back to the Department of Education Offset Unit. Called DOE Offset Unit and spoke briefly to the agent about the loan and requested a copy of the promissory note. He agreed. Do not have exact date - Received copy in the mail of a partial Promissory Note signed by -- -- -- -- and dated XX/XX/XXXX. The Note does not state what -- -- -- -- -- actually agreed to, payment amount, amount of debt, etc., it appears we only received page 1 of the Note as it states the page is 1 of 3. The bottom paragraph also refers to consolidating jointly with spouse. At the time of execution, XXXX XXXX was not married. XX/XX/XXXX ( around this date ) Spoke to XXXX XXXX at GC Services regarding repayment of loan. She advised I needed to disclose our Tax Return from XX/XX/XXXX so that GC can come up with a monthly payment. I advised that I should not have to disclose my salary as I am not on the promissory note. I was transferred to another female agent, she asked how much we made per year, our expenses, etc. I gave her that information over the phone and she came up with a payment of around {$600.00} per month, when I balked at that amount she only used -- -- -- -- - salary and came up with {$5.00} a month. I made the first {$5.00} payment over the phone by giving her my debit card information. She advised we would receive forms via email for completion. XX/XX/XXXX - Date of Letter from GC services via email regarding forms related to the repayment program to get the loan out of default. The letter states that the forms must be returned no later than XX/XX/XXXX. XX/XX/XXXX - Emailed forms to apply for rehabilitation program. XX/XX/XXXX - Called GC Services no answer, so sent email to XXXX advising supporting documents for the rehabilitation program would be filled out and sent by end of that week. We also requested to only be contacted by email or mail. XX/XX/XXXX - Called and spoke to XXXX XXXX to negotiate settlement of debt. XXXX advised she can only settle the debt for {$15000.00}. I asked to speak with manager, transferred to XXXX XXXX, can only settle for {$14000.00}, cause at this point we already owe {$19000.00} due to continued added collection charges, interest, penalties, etc. I requested she ask the DOE if they would accept {$12000.00} as settlement in full. I am not sure if this was the call where she stated the DOE only accepted {$14000.00}. She also asked where we would be getting the money, I told her but did not feel that it was her business and that maybe because of this disclosure the settlement offer did not go down further. XX/XX/XXXX called XXXX, left voice mail regarding settlement questions. XX/XX/XXXX - Date of Letter received from GC Services, XXXX Texas regarding Notice of XXXX Settlement Agreement. The settlement agreement did not apply to our circumstances ; it referenced a Notice of Wage Garnishment, which was not received. The agreement letter also stated that because of interest, late charges, and other charges that may vary from day to day, the amount may be greater. Hence if you pay the amount shown in the amount shown above, an adjustment may be necessary after we receive your check, in which event we will inform you. What? If you pay a settlement in full, shouldnt your debt be paid off with XXXX balance, with no added charges? XX/XX/XXXX called spoke to agent and cancelled {$5.00} a month payments due to account being settled. She advised settlement was approved onXX/XX/XXXX. XX/XX/XXXX - Letter from GC Services regarding a received check in the amount of {$5.00} was previously received on XX/XX/XXXX. The letter is signed by XXXX XXXX, Collection Manager. How can a letter be written before a check is actually received? XX/XX/XXXX - Called GC Services and spoke to XXXX XXXX and disputed the language in the settlement agreement letter dated XX/XX/XXXX and requested that a new agreement which applied to our circumstances ( a loan in default ) be sent. She said the letter was sent because the account had previously been in garnishment. I also referenced the verbiage used in the letter regarding the because of interestan adjustment be made. GC Services advised that that would be true, charges could be added after you paid the settlement agreement in full. GC Services agreed to send a revised Settlement Agreement. This phone call was very long as she had to continue putting me on hold to ask her manager for answers to my questions. XX/XX/XXXX - Date of Letter received from GC, XXXX, TN regarding our agreement to settle the debt in full for {$14000.00}. We only agreed to a settlement with a proper settle agreement executed by -- -- -- -- -- -- - and the Department of Education or someone acting on their behalf. The agreement sent was not an agreement but a letter stating what GC Services has agreed to, it is one sided. The second paragraph is what we have the most difficulty accepting. It states that if the offset is reversed for any reason, that the debt will be restored. We do have an offset that may be reversed and was brought to GC Services attention on this phone call. Therefore, if the offset would be reversed, that would mean that we would have to pay more money even though the GC Services acting on behalf of the Department of Education has accepted a compromise as settlement in full of the debt. Again the letter had the disclaimer on the bottom of the letter because of interest, late charges, and other charges that may vary from day to day, the amount may be greater. Hence if you pay the amount shown above, an adjustment may be necessary after we receive your check, in which event we will inform you. The letter is signed by XXXX XXXX, Deputy Contract Administrator. XX/XX/XXXX - Called and spoke to XXXX XXXX, manager. XXXX XXXX advised GC Services can not give us an agreement that we are looking for, exact terms, amount owed, signatures, dates, etc. and that the {$14000.00} would be accepted as settlement in full. I requested to speak to XXXX XXXX who is the Deputy Contract Administrator, but he said he is not on the floor and is not available but I could email him. XXXX XXXX advised that he can not guarantee that the offset will or will not be reversed and if reversed then -- -- -- -- -- would be liable for the amount reversed, if reversed. XXXX XXXX advised that based on the current information on file, XXXX XXXX would have to pay {$470.00} a month to stay on rehab program. I advised to leave account on settlement status to see if we receive anything indicating the offset was reversed. An Injured Spouse was filed with the IRS on my behalf. He advised the settlement would need to be paid by XX/XX/XXXX or it would be null and void. CONCLUSION We want to pay off the defaulted loan, but we want an agreement that indicates what is actually agreed to, the agreement should also state that we will not be contacted by the DOE or GC Services regarding additional charges for this account after the settlement amount has been paid. The Agreement should be signed and dated by both parties, in other words we want a true Settlement Agreement. We also would like renegotiate our settlement amount based on my time spent researching student loan information, an incomplete copy of the original promissory note, the inability to view payment history on the website, and the possibility of several violations of the FDCPA. As a side note, I was able to view payment history once at the inception of my communications with GC Services on myeddeb.ed.gov, and it appeared that -- -- -- -- - has paid a substantial amount every paycheck for many years and the principal hardly went down. He paid his student loan and child support on every paycheck, leaving him with little money to live off of and therefore requesting personal loans from his family. -- -- -- -- - and I have been together almost 7 years and I witnessed how much was taken from his checks to pay the student loan. The amounts were a percentage of each paycheck anywhere from {$200.00} 300 twice a month. This is an astronomical amount given that he was also paying child support. Please help rectify these issues to get the student loan out of default. END OF COMPLAINT
08/13/2017	Yes	Debt collection I do not know	False statements or representation Impersonated attorney, law enforcement, or government official	CA XXXXX	Web
This is in reference to complaint XXXX, XXXX. After being notified that there was a response from the GG Services debt collector and the California Franchise board said it was GC Services that made the illegal levy said they dont know who made a execution of levy. Unauthorized stole money out of my bank account I responded in time and was deceptively lied to. One side it was GC Services the other side saying it was the Franchise board. Somebody did it. I filled out the documents disputed the money the was stolen brought the documents to the place of business and had the documents to submit it there and was the only reason going down there to the XXXX Superior court were these GC Services are hiding at. They are both lying. CFPB told me they have already sent the pertinent details to the other side at the franchise board. I receive this email XX/XX/XXXX. While waiting all this time for the GC Services/ Franchise Board to return the money because of hardships and also GC services and has not heard back until now and seeing that they put the second sending of the complaint as repeat. Only for it to be labeled as duplicate. This is not acceptable because they were to return the money already because GC Services is using illegal deceptive tactics to collect a supposed debt I was never aware of. I dont know what is going on I do know the California Franchise Tax Board has a pattern of acting with oppression, fraud, or malice. That if the just go and levy accounts when a company such as GC Services Limited Partnership known for losing lawsuits for violating the Fair Debt Collection Practices Act ( FDCPA ) in the course of its debt collection efforts with consumers. For unlawfully misrepresented the rights of consumers to dispute the alleged debt over legally harrassing debt notices, using deceptive language. see XXXX XXXX v GC Services Limited Partnership ... XXXX Any how doesnt California FTB collect taxes, so how would they have jurisdiction to this matter?? I filled out This is in reference to complaint XXXX, XXXX. After being notified that there was a response from the GG Services debt collector and the California Franchise board said it was GC Services that made the illegal levy said they dont know who made a execution of levy. Unauthorized stole money out of my bank account I responded in time and was deceptively lied to. One side it was GC Services the other side saying it was the Franchise board. Somebody did it. I filled out the documents disputed the money the was stolen brought the documents to the place of business and had the documents to submit it there and was the only reason going down there to the XXXX Superior court were these GC Services are hiding at. They are both lying. CFPB told me they have already sent the pertinent details to the other side at the franchise board. I receive this email XX/XX/XXXX. While waiting all this time for the GC Services/ Franchise Board to return the money because of hardships and also GC services and has not heard back until now and seeing that they put the second sending of the complaint as repeat. Only for it to be labeled as duplicate. This is not acceptable because they were to return the money already because GC Services is using illegal deceptive tactics to collect a supposed debt I was never aware of. I dont know what is going on I do know the California Franchise Tax Board has a pattern of acting with oppression, fraud, or malice. That if the just go and levy accounts when a company such as GC Services Limited Partnership known for losing lawsuits for violating the Fair Debt Collection Practices Act ( FDCPA ) in the course of its debt collection efforts with consumers. For unlawfully misrepresented the rights of consumers to dispute the alleged debt over legally harrassing debt notices, using deceptive language. see XXXX XXXX v GC Services Limited Partnership ... XXXX Any how doesnt California FTB collect taxes, so how would they have jurisdiction to this matter?? I filled out Forms XXXX Request for a Collection Due Process or Equivalent Hearing signed and dated XX/XX/XXXX according to the Taxpayers ' Rights Advocate to receive my funds back according to Law with Cease and Desist letter when I went down to XXXX XXXX XXXX XXXX, XXXX XXXX California, XXXX XX/XX/XXXX and submitted this with ceist and desist included material from 42 USC section 1983 United States Code civil action for deprivation of rights : 26 U.S Code 6330- Notice and opportunity for hearing before levy. The Bank was to send a levy and didnt this is a due process violation. That the FTB is involved in theft stole over {$380000.00} in fake tax refunds embezzlement. XXXX XXXX of XXXX, XXXX XXXX XXXX, and 43 accomplices used state computers since XX/XX/XXXX to embezzle state funds. Board of Equalization had misallocated XXXX XXXX in tax revenue-according to State Controller XXXX XXXX proposal. Buying $ XXXX furniture for one chair. Is this why they are stealing money out of bank account simply because a debt collection told them to and. This is acceptable. I have hardships. I had to take the bus and train down to courthouse I dont even have enough money to buy a older car. This doenst make any sense. This is oppression, fraud, and malice. The Federal Tort Claims Act, States Tort Claims Act says this is not correct behavior. see XXXX v Six Unknown named Agents. according to the Taxpayers ' Rights Advocate to receive my funds back according to Law with Cease and Desist letter when I went down to XXXX XXXX XXXX XXXX, XXXX XXXX California, XXXX XX/XX/XXXX and submitted this with ceist and desist included material from 42 USC section 1983 United States Code civil action for deprivation of rights : 26 U.S Code 6330- Notice and opportunity for hearing before levy. The Bank was to send a levy and didnt this is a due process violation. That the FTB is involved in theft stole over {$380000.00} in fake tax refunds embezzlement. XXXX XXXX of XXXX, XXXX XXXX XXXX, and 43 accomplices used state computers since XX/XX/XXXX to embezzle state funds. Board of Equalization had misallocated XXXX XXXX in tax revenue-according to State Controller XXXX XXXX proposal. Buying $ XXXX furniture for one chair. The Calfornia has so many more things that they do illegally with hard eraned money of tax payers it is unreal. Is this why they are stealing money out of bank accounts unlawfully simply because a debt collector such as GC Services who lost multiple lawsuits all across the board for illegal activities told them to. This is unacceptable. I have hardships. I had to take the bus and train down to this courthouse I dont even have enough money to buy a older car. This doesnt make any sense. This is oppression, fraud, and malice. The Federal Tort Claims Act, States Tort Claims Act says this is not correct behavior. see XXXX v Six Unknown named Agents. I have much more to add..
09/22/2017	Yes	Debt collection Other debt	False statements or representation Attempted to collect wrong amount	CA 93313	Web
About 2 years ago I had cancelled my service with XXXX XXXX because I was moving locations and XXXX XXXX informed me that they could n't service my new location. I had been with XXXX XXXX for years and never once had I had my services cancelled for lack of payment. I was current with my bill. When I called to cancel, the cancellation process went rather smoothly or so I thought. I was told that there would be no issues since I was a month to month customer at that point. When I moved to my new location I asked them to forward me all future correspondences for the final bill. I also asked them to forward me the prepaid labeling packages so I can turn in all their equipment since they refused to come pick it up from me. Well I never once received anything from them. I called XXXX XXXX several times over a few months but all they would tell me was that they had already sent out all correspondence and boxes. After a while I simply gave up. I was not going to spend time worrying about something I had no control over. That was not the end of this fiasco however. I come to find out that XXXX XXXX had assigned the account to collections. Not only that, but I find out that they also placed it on my credit report as a {$1000.00} unpaid balance. It should come to no one 's surprise that I was both shocked and furious at this. At first I disputed the account because I did not owe {$1000.00}. After the credit bureau sent me a notice saying that the account was verified as a legitimate debt I called the collection agency. I spoke with the collection agency GC Services around XX/XX/XXXX and they told me that they were collecting for boxes that were never returned. I tried to explain the situation to GC Services of how XXXX XXXX has never billed me or sent me the prepaid labeling packages after multiple requests but they did n't care.They just wanted money. I finally started communicating with XXXX XXXX and began chewing them out because of what they were doing. Again I asked for boxes and again I was not receiving anything. It was n't until about a month later that I decided to go to my old address and see if I was receiving anything in my name. Sure enough, I see that XXXX XXXX was sending the pre-paid labeling packages to that address ... One could assume that XXXX XXXX was simply sending the packages to the address in their file and that I was at fault because I never game them my forwarding address. One would be wrong. I was beyond outraged. I gave them my new address upon cancellation and I gave them my new address for those few months I was calling them to send me the boxes and final bill. I also gave them my new address several months later when the collection agency was contacting me about this bill. To continue sending any bills or packages to an address I had not lived in for almost a year and notified them on various occasions of my new address is ridiculous. Either they did it on purpose, or " the left hand did n't know what the right hand was doing. '' In either case, this is not my fault but simply a billing error or error on procedure on their end. Again that is still not the end of this fiasco however. Simply turning in the boxes did n't do me any good. Even though I had to do all the legwork for XXXX XXXX to get their equipment back, the collection account remained on my credit report. It did n't state that I owed any money anymore, it stated it was a paid collection. That however is not accurate. I did n't pay a {$1000.00} collection. The {$1000.00} collection never existed. I never owed that money and I was never billed anything from XXXX XXXX. Had I been billed, I would have paid them like I had been for the last 10 Years!!! I called GC services to try and explain to them the entire situation and again they did n't care. They claimed that they can only report accurate information on the credit report and they did n't have the right to remove accurate information. I then spoke with a consumer advocate and we got all the way to the Office of the president for XXXX XXXX for this situation. My advocate was very good at his job. He explained the situation to XXXX XXXX and pretty much summed up everything I said. He explained that I was never billed properly, that assigning it to a collection agency with an improper balance was an unfair practice, that reporting information which was not accurate was against the Fair Credit Reporting Act, and attempting to collect an invalid debt was against the Fair Debt Collection Practices Act. He gave them every opportunity to attempt to fix their mistake but XXXX XXXX refused and simply tried to get me to dispute the account which I had already done. In the end, I am the one that is suffering because XXXX XXXX ca n't bill people or send boxes to the address provided to them even after being told the proper address for nearly a year. A " paid collection '' is still a derogatory mark on my credit report lowering my credit score for 7 years. It will affect my interest rates on all credit purchases and may even cause me to be denied for credit. In essence, they are slandering my good name and my credit worthiness because THEY DID NOT BILL ME OR GIVE ME A LEGITIMATE OPPORTUNITY TO TURN IN THEIR EQUIPMENT! I could n't even turn it in to a facility as none exist for me to do so. I literally had to depend on them to send me a box in order for them to receive their equipment. Well enough is enough. I am now asking that you look into their practices and fine them or sanction them if need be. After what I went trough I am certain I am not the only person this has happened to. If they wo n't fix this then I will have to sue as I spent far too much time and energy doing what I was supposed to in a business deal only to be punished for someone else 's mistake.
12/02/2021	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt was result of identity theft	PA 19124	Web
RE : Attentively review my formal writ composed declaration of not proven complaint misinformation that is all or in part : deficient of the adequate current status in the fullness of TRUTH, ACCURACY, COMPLETENESS, TIMELINESS, documented OWNERSHIP, certifiable RESPONSIBILITY, or otherwise irrefutable, complaint obligatory, and regulatory requisite reporting thereby mandating your immediate actions to rectify and remedy and any infractions behavior ( s ) by retaining or returning to demonstrate TRUE, CORRECT, COMPLETE, and COMPLAINT XXXX XXXX data field formatted reporting!!! I am a victim of identity- theft, I am writing to request that you block all accounts disputed as fraudulent on my credit reports with XXXX XXXX XXXX XXXX and XXXX. This information does not relate to any transactions I have made. I did not give anyone authorization or consent to use my personal information. I hereby exercise my legal rights enacted by Congress and The Federal Trade Commission, which explicitly states when a victim of identity-theft dispute a fraudulent account on his/her credit report it shall be honored by all credit bureaus and all fraudulent information should be blocked within 4 days and proper notification shall be given to all data furnishers pursuant to section 605b of The Federal Fair Credit Reporting Act. Failure to comply shall lead to complaints being filed with XXXX XXXX XXXX XXXX, Consumer Financial Protection Bureau, and Attorney General stating your companys unlawful collection practices, misrepresentation of creditworthiness, defamation of character, and noncompliance to abide by laws enacted by Congress to protect victims of identity-theft who's credit been impacted by acts of fraud. Because I know my rights under THE FAIR CREDIT REPORTING ACT, CONSUMER CREDIT PROTECTION ACT ( CCPA ), and FAIR and ACCURATE CREDIT TRANSACTION ACT of 2003 ( FACTA ). I will be taking action. I also know my rights under this paragraph of Section 312 of the FACTA LAW : SEC.312. Procedures to enhance the accuracy and integrity of information furnished to consumer reporting agencies. ( b ) duty of furnishers to provide accurate information. -- Section 623 ( a ) ( 1 ) of THE FAIR CREDIT REPORTING ACT ( 15 U.S.C . 1681s-2 ( a ) ( 1 ) is amended ( 1 ) in subparagraph ( A ), by striking " knows or consciously avoids knowing the information is inaccurate '' and inserting " knows or has reasonable cause to believe that the information is inaccurate '', and ( 2 ) by adding at the end of the following : ( D ) DEFINITION -- For purposes of subparagraph ( A ), the term 'reasonable cause to believe that the information is inaccurate ' means having specific knowledge, other than solely allegations by the consumer, that would cause a reasonable person to have substantial doubts about the accuracy of information. Policy states. According to the Fair Credit Reporting Act FCRA 611 ( 15 U.S.C 1681 ), Procedure In Case of Disputed Accuracy. ( a ) Reinvestigation ( 1 ) Reinvestigation ( a ) In general. Subject to Subsection ( f ), if the completeness or accuracy of any item of information contained in a consumers file at a consumer agency is disputed by the consumer and the consumer notifies the agency directly, or indirectly through a reseller, of such dispute, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller. Therefore, my position is being clearly stated, these accounts do not belong to me, meaning that you are reporting inaccurate account information within my credit file. The fact that these are inaccurate account information means that you, this credit-reporting agency, are reporting incorrect accounts. 1. GC SERVICES & {$2200.00} I am well aware of my rights as a consumer. The Fair Credit Reporting Act requires that you, the credit-reporting agency report accurate and/or correct account information within my credit file. My credit issues are very specific, these accounts and/or items do not belong to me. This means that you are reporting incorrect account information within my credit report. It is this in mind that I request that these listed accounts and items be Blocked and Deleted. According to the Fair Credit Reporting Act FCRA, Section 1681c ( 2 ) Block of information resulting from identity theft. 1.Block. Except as otherwise provided in this section, a consumer reporting shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from alleged identity theft, not later than four ( 4 ) business days after the date receipt by such agency of 1. Appropriate proof of identity of the consumer ; 2. A copy of an identity theft report 3. The identification of such information by the consumer ; and 4. A statement by the consumer that the information relating to the transaction by the consumer. I have provided all of the above listed four ( 4 ) items within this package. Therefore, I expect these listed accounts to be deleted and blocked within ( 4 ) business days. This is clearly an identity theft issue. I am also entitled to receive a free copy of my credit report, so I am requesting a free credit report and that all of these accounts, public records items, and inquiries be permanently blocked and deleted. Enclosures : Identity Theft Report Proof of Identity Copy of Account Statement showing Fraudulent I tems FTC Notice to Furnishers CC : Consumer Financial Protection Bureau XXXX XXXX XXXX XXXX XXXX, Iowa XXXX
12/22/2017	Yes	Student loan Federal student loan servicing	Dealing with your lender or servicer Problem with customer service	TX 78702	Web
I took out a loan in XX/XX/XXXX, and after the debt crisis the loan was bought and sold and I could no longer keep track of who was in charge of it. I am aware that when someone sells your loan you are to be notified as well as when someone buys it. I have not heard from anyone in nearly 9 years regarding my debt and saw no record of it on the credit reports. I am aware that 6 months after you are no longer enrolled in classes is when you need to begin payment, and if you don't you should then hear from someone about wage garnishment. I just received a letter on XX/XX/XXXX about my debt and that I was subject to wage garnishment if I did not respond within 30 days. This letter was not sent via certified mail, which I find problematic because there is no way for the company to prove that I did in face receive it. I did not get the letter until after that 30 day period as I was traveling out of town ( for work and the Holiday 's ). I called XXXX XXXX XXXX on XX/XX/XXXX to plead my case and try to explain why I had not returned their letter in the 30 day period. I spoke to XXXX ( my loan adviser ) and asked her if there was any way to reverse the decision to garnish my wages since I was out of town for work and that is why I couldn't return their letter. She said they did not make that decision and directed me to The Department of Education at XXXX. They said they don't make the decision to garnish wages and sent me back to XXXX XXXX XXXX. I spoke to XXXX at extension XXXX and he told me that because a second notice of garnishment had not yet been sent out that if I completed all my paperwork to be enrolled in their loan rehibilitation program that they would not garnish my wages. I supplied all of the info they needed to be enrolled, and was then transfered to another XXXX XXXX XXXX employee who would then review all of the information me and XXXX has exchanged. I asked both of these employees if my wages would be garnished and they said no. They informed me the next step would be receiving a document called " Repayment Agreement Under the Loan Rehabilitation Program. '' that must be signed and returned 10 days after I receive it. By XX/XX/XXXX I had not recieved this document so I called XXXX XXXX XXXX to ensure that I had completed everything correctly and that my wages would not be garnished. XXXX at that time told me that she was confused because the notations on my account stated both that my wages would be garnished and that they would not be. I was connected with her boss XXXX XXXX and he told me that my wages would be garnished no matter what and that they were not responsible for the false information their employees has given me 2 days prior. I had not heard from the company until XX/XX/XXXX when I finally received the " Repayment Agreement Under the Loan Rehabilitation Program '' letter. I did not submit a response to it as I was told I had 10 days after receipt of that letter to respond which would be XX/XX/XXXX. The letter itself said I has until XX/XX/XXXX to respond. I got a call from XXXX at XXXX XXXX XXXX on XX/XX/XXXX. She called to inform me that I had until XX/XX/XXXX to return the " Repayment Agreement Under the Loan Rehabilitation Program '' letter signed. I informed her that I was told by XXXX at extension XXXX that I had 10 days to return ( technically XX/XX/XXXX ), and that the letter itself says it must be returned no later than XX/XX/XXXX. I expressed my concern that they were confusing me by not being able to give me a solid due date. I also expressed my frustration that my wages were going to be garnished even though 2 other employees stated they would not. She informed me that my wages were NOT going to be garnished after all ( apparently they can not begin garnishing wages until a second notice has been sent out. I don't know why everyone else before this point was telling me they would definitely be garnished if that letter had never been sent out ). I told her I would like to speak to a manager because this is the 3rd time the story has changed. She said one would call me back that day to give me the correct information since my paperwork needed to be submitted the next day. The manager did not call me back that day. I called them the next day on XX/XX/XXXX and was connected with XXXX XXXX again ( the day my paperwork was hypothetically due ), and they informed me that even though they have given me conflicting information that my wages were not going to be garnished, and that I had until XX/XX/XXXX to returned my signed letter. Just to clarify : I was told my wages were going to be garnished on XX/XX/XXXX by XXXX, then told they were not on XX/XX/XXXX by XXXX, then told that they actually were going to be garnished on XX/XX/XXXX by XXXX and XXXX XXXX, and then told on XX/XX/XXXX that they in fact were not going to be garnished. I was told my " Repayment Agreement Under the Loan Rehabilitation Program '' letter was due signed 10 days after I recieved it which would be XX/XX/XXXX, the letter itself says it was due on XX/XX/XXXX, then told by XXXX on XX/XX/XXXX that it was due XX/XX/XXXX, then told by XXXX XXXX on XX/XX/XXXX that it was due on XX/XX/XXXX. I think this company is giving out misinformation in order to confuse the consumer into missing important deadlines which in effect allows them to garnish their wages or collect more money from them. OR they are just uninformed and that is equally as dangerous. I want to let you know that one of the documents I am attaching ( XXXX ) is protected by a password- that password is my zip code : XXXX. I would also like to notify you that all calls at XXXX XXXX XXXX are recorded, so you could potentially collect those phone calls for your records. Thank you for all that you do.
02/25/2020	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt was paid	VA 220XX	Web	Servicemember
I had a XXXX with XXXX I bought an item and paid for it in full on my XXXX. I have copies of my payments and spoke with XXXX XXXX of XXXX and they said my balance for the items were paid in fill nothing is owed to XXXX, this was on XX/XX/XXXX and my account was closed. I never heard anything further from XXXX or XXXX, nothing in the mail or anything until On XX/XX/XXXX I received a collections bill for {$98.00} from GC Services Limited Partnership demanding unpaid charges from XXXX. SO XXXX has my address and never once sends me a message if I still owed them money- you know why they didnt because I DONT owe them anything as the bill was paid in FULL! I tried callin g XXXX to straighten this out and have them call the XXXX XXXX people but a lady name XXXX refused to do so and just kept giving me the phone # to GS Services. I tried calling to GS Service as contact this at the number listed - XXXX-but it states to write a letter within 30 days of the date of the letter which was XX/XX/XXXX- so I called as there is no address to send this to, and I wanted to orally dispute this on the phone but the lady would not listen instead she kept stating that this was an attempt to collect a debt and any information I state will be used against me for that purpose!! What the heck! I couldn't even dispute the bill on the phone. I do believe that GS Service was sued for this very reason in XX/XX/XXXX District Court of NJ and in XX/XX/XXXX in XXXX District of WI that oral disputes are equally valid and that not informing consumers such is a violation of FDCPA. This letter and the disregard I received is such a violation. Furthermore, the letter doesn't give an exact address of where I would even send a letter of dispute, instead it has no address the section advising of written dispute within 30 days and it gives several address elsewhere. SO which address is it? Furthermore, when I attempted to contact XXXX to contact their XXXX people to resolve this issue as XXXX states I paid the balance in full - XXXX refused to speak with me and instead kept giving the phone number to GS Services. IS this some sort of scam??? This bill is paid in full and since I seem to be unable to dispute this orally or in writing to GS service or XXXX I am advising the XXXX and will also advise the FTC that GS Service is in violation of the FDCPA and also depriving me of my rights to dispute this collection bill. Maybe XXXX can advise GS Services in violation of the FDCPA and XXXX in violation of never sending me a bill since XXXX, never contacting me advising that they believe I still owed them money and further more by ever corresponding with the XXXX people to gather how the bill was already paid in full. XXXX and XXXX are a disaster and should be shut down at how they run their business. XX/XX/XXXX ACH Transaction - XXXX XXXX XXXX XXXX XXXX ACH Debit - {$19.00} -- XX/XX/XXXX ACH Transaction - XXXX XXXX XXXX XXXX XXXX ACH Debit - {$75.00} -- XX/XX/XXXX ACH Transaction - XXXX XXXX XXXX XXXX XXXX ACH Debit - {$50.00} plus per XXXX payment phone discussion on XX/XX/XXXX payments for {$130.00} and {$87.00} were also made. XXXX advised they would send me statements in the mail within 12-14 days as the card and XXXX account are closed and they can not email them to me. I want a correction to my credit report, I want this bill correctly placed at XXXX as paid in full because it is. I have made several payments, I want no more contact from this GS Service Limited Partnership as this debt is not even valid and clearly they didn't even attempt to verify it. I am not exactly certain of the actual purchase/ transaction date with XXXX , but originally XXXX was sending my bills to wrong address, but they did correct that issue and removed all the late fees on XXXX at that time I paid a large sum to them. XXXX and XXXX stated I would receive one more bill which I did on XX/XX/XXXX for {$19.00} which paid the bill in full and my accounts were closed. I am not exactly certain of the actual purchase/ transaction date with XXXX , but originally XXXX was sending my bills to wrong address, but they did correct that issue and removed all the late fees on XXXX at that time I paid {$130.00} to them and XXXX and XXXX stated I would receive one more bill which I did on XX/XX/XXXX for {$19.00} which paid the bill in full and my accounts were closed. Dates I complained to the company/organization : First Date : XX/XX/XXXX - To XXXX and XXXX Second Date : XX/XX/XXXX - To XXXX Third Date : XX/XX/XXXX - To XXXX, XXXX and to GC Services
08/09/2018	Yes	Debt collection Other debt	False statements or representation Impersonated attorney, law enforcement, or government official	CA 926XX	Web	Servicemember
XXXX excessive fees Gs services contracted by XXXX County, Ca. Code Enforcement claiming I had violations I was not made aware of. No due process, never received any violations. My home was vandalized when out of town with father while he had XXXX XXXX. City of XXXX and XXXX County Ca has severe homeless and drug & criminal crisis. I come from a military family and a military wife of XXXXyears. They move from home to home and squat and do excessive damage. Ive been beaten up with rakes and shovels by unknown minors have police reports had multiple death threats, and had home vandalized many times. Ive soent XXXX of dollars in repairs. Ive been told by Sheriff not to live in my home that theyll come in and beat me up or worse, told if I say he said that hed deny it. I just renovated entire home prior to fathers death. County aggressive with fines, and repairs are inflated, damage is inflated. Trying to seize home. Put frivolous lien on property. Trying to buy home dirt cheap. Photos they submitted are fraudulent and old and deceiving and misleading. My house payment is current as are taxes, and property insurance. I recently redid yard with rocks and landscaping did over haul painted exterior prior to any actions. City and county have rampant health & safety problem. Surrounding cities dont have these issues. Surrounding citys dont offer services to these individuals there all XXXX and XXXX to XXXX. Steering is illegal. Current case with Riverside DA of homeless squatters who gave list of homes and watch for vacationers and break in vandalize homes ongoing. Six were felons and are being prosecuted. They scout ads of vacant homes or for sale or watch for absent vacationing owners. Active Riverside DA case with Riverside Public Affairs Director XXXX XXXX. XXXX cant and doesnt even let his elderly wife go to vacant homes for fear of her safety. Excessive fees and illegal land grab no repairs to my property justify these actions thats what property insurance is for. I should be allowed to repair my own property as Ive done for XXXXyears. My constitution and civil rights are being violated. Business and professional codes violations by abusive County Officials not to mention Ethics. I estimate 20 percent of Countys budget is supplemented and funded by fraudulent property confiscation. I have XXXX XXXX home loan. Im a single hardworking XXXX woman with XXXX children. This is my life savings. Im being strong armed by County Officials XXXX California State Law. The county and city have health and safety code violations all over Ive taken photos of both residential and commercial properties with violations and they dont have violations and are not being pursued like me. I feel Im being discriminated against and my constitutional and civil rights are being violated. I need assistance. This is a clear abuse of taxpayers fund. Photos they submit are old and misleading. This is a owner occupied home. I have XXXX equity in home. Repairs are minor and my insurance will pay for repairs. Ive also always had home warranties and recently redid kitchen have receipts from licensed contractors. Please help. XXXX. XXXX XXXX XXXX. Save XXXX @ XXXX. I have good credit, loan current, 17 years as a section 8 Landlord with a stellar record. Participated with XXXX, a veterans program and XXXX XXXX XXXX program. Stop Illegal Land Grab. XXXX County Ca trying to supplement there deficit budget by aggressive fraudulent reports misleading the powers that be in attempt to illegal confiscate law abiding tax paying property owners homes. XXXX XXXX XXXX has highest theft in nation and highest sales due to Vandalism as of 6/ 16 per XXXX XXXX employee. City and County have massive code enforcement violations all throughout Ive taken photos and recorded addresses. Would appreciate investigation by the powers that be. I had No Tresspassing signs posted everywhere. I took photos of home, and signs. And home was secure and locked. And for the record Its estimated that 80 percent of XXXX is fenced or has no tresspassing signs because of this problem. That doesnt help. I had homeless people sleeping in my backyard and police called three times. They slept there all night unbeknownst to me. I took photos and called police in the am. Police never checked my backyard. Respectfully
02/20/2019	Yes	Debt collection Credit card debt	Attempts to collect debt not owed Debt was paid	CT 06484	Web	Older American
This is regarding the purchase of item on XX/XX/XXXX for {$370.00} at XXXX XXXX using a XXXX XXXX Consumer Credit Card issued and serviced by XXXX, XXXX The day of purchase I was told by a XXXX XXXX associate that the item was on sale and that if I applied for a XXXX XXXX credit card and paid for the item with the new credit card that there would be special financing on the item. I would not have to pay any interest on the item nor pay for the item for 6 months. I specifically asked the associate if I needed to pay anything within the 6 months. The associate replied " No '', just pay the full amount in 6 months. So I believed that no payment for this one item was required until XX/XX/XXXX. I applied for the credit card and used it to purchase the item as well as one other item. The first bill that I received is attached ( pages 1 thru 3 ). The total amount is for {$400.00} ( {$370.00} for promotional item and {$31.00} for a second item ), it is page 1 of the attachment. Minimum payment was {$27.00}. I sent a check in the amount of {$31.00} to cover the full cost of second item purchased. I did this to ensure that there would be no interest charged on the first purchase. I then ignored all further bills since it was my understanding that no payments were required until XX/XX/XXXX. The next time I became aware of this issue was upon receiving a letter from a collection agency - GC Services Limited Partnership - around XXXX XXXX. See page 4 of attachment. I promptly called them and explained that it was my understanding that I did not need to pay the {$370.00} until XX/XX/XXXX. They did not have a copy of the bill, so I faxed them the page and noted that I did not have to pay until XXXX. In the interim I paid the {$370.00} for the item ( shown on page 5 of attachment ) before the XX/XX/XXXX due date. I contacted GC services again on XX/XX/XXXX. They said that my dispute was rejected and that I would have to pay all fees and interest charges. They told me I should have read the fine print. If I had to read and understand every fine print on every transaction that I make, I probably would not buy anything. I wonder how many sales associates would be able to explain the fine print to me? Well I did read the bill and fine print. This is what I found : A ) In the middle of the first page ( 1st page of attachment ) of the bill it reads " You must pay your promotional balance of {$370.00} in full by XX/XX/XXXX to avoid paying deferred interest charges. ". So I thought that the only payment I needed to make was this amount in XX/XX/XXXX. B ) In upper righthand corner of second page of bill ( 2nd page of attachment ) under heading " How to Avoid Interest on Purchases '' second paragraph it states " If you have a balance subject to a deferred interest or 0 % APR promotion and that promotion does not expire before the payment due date, that balance ( the " excluded balance '' ) is excluded from the amount you must pay in full to get a grace period ''. Again it seems to me that I needed to pay the amount before XX/XX/XXXX. C ) On the third page ( 3rd page of attachment ) of the bill under " TRANSACTIONS '' it states " PROMOTIONAL PURCHASE : To avoid interest charges, please pay the above in full by XX/XX/XXXX. Monthly payments required. ". I just noticed this as I was creating this dispute. Still not clear what monthly payments mean as it relates to this transaction. D ) On the third page ( 3rd page of attachment ) of the bill under " ACTIVITY AND PROMTIONS DETAIL '' there is a column headed " Promotion Minimum Payment Due ''. The amount shown is {$0.00}. Again I have to believe that the only payment that I have to make is for the full amount in XXXX. This entire bill for this transaction is confusing to me. I am XXXX years young. I have made many transactions in my life time. Many more complex than buying one item at XXXX XXXX with a XXXX XXXX charge card. I have never had an issue such as this or a more confusing transaction. If I had known that I had to make monthly payments, I would have paid the entire bill at once ( not a huge purchase ). I am requesting a waiver of all interest charges and fees ( {$140.00} shown on page 5 of attachment ).
10/06/2021	Yes	Debt collection Other debt	Written notification about debt Didn't receive enough information to verify debt	IN 462XX	Web
XX/XX/XXXX I contacted XXXX because I wanted to port out my number to XXXX. I called to verify that since I made my monthly payment on XX/XX/XXXX as well as two other payments on XX/XX/XXXX and XX/XX/XXXX that I had no other balance owed. Based on conversation I understood that after XX/XX/XXXX my billing time started again. The agent disconnected phone that day even tho I didnt tell him to i was just double checking process. On XX/XX/XXXX I contact XXXX again to get my cellphone unlocked and port my number. I contacted XXXX again for seven consecutive days several times a day because my number was never released to port. The XXXX day XXXX called on 3 way it was done. During this process no one ever told me I still owe any bill. I Ported this number from XXXX before I took IT to XXXX. I paid my bill and they released my number. No surprises At all. XX/XX/XXXX and XX/XX/XXXX I got a notice that my autopay didnt go thru so I called. I was told its a mistake we dont see a bill and the autopay will stop within 30days. I provided all the information and my card number. I also sent a email and contacted virtual assistant. XX/XX/XXXX I got the email that service was disconnected I didnt open it but i assumed it was the notice I was told to expect. XX/XX/XXXX XXXX and XXXX I got emails about the autopay. XX/XX/XXXX XX/XX/XXXX and XXXX XXXXI still got emails about the cycle but no emails over autopay XXXX I got a alert from XXXX that I had a collection account. I contacted XXXX again. XXXX XXXX Department told me I dont have a bill. And its up CG service I contact them sent emails to prove my case no one responded to them. I did a dispute on XXXX XXXX it was found valid. I did another dispute with XXXX XXXX again it came back valid. XXXX XXXX and XXXX the collection was reported every month Which made my credit worse and worse. Seems intentional. My score was over XXXX and I had a house under contract at the time. XX/XX/XXXX I called XXXX again and was told I dont have a bill by two agents Including XXXX collections department. After 90 minutes the third agent finds a bill after telling me I didnt have one. First he said if I didnt get a letter how did I find out about it? Then said it was from XXXX which I have proof that I paid so he said it was from XXXX and that when I called I wasnt speaking to the right department. Thats not my fault. I dont work for XXXX. That is not how the credit bureau is supposed to be used. GC services sent a letter to my old address from over a year ago. I have the same phone number same email address the credit bureau has my new address on file. no one contacted me. XXXX has mailed items to my new address in Indiana. The agent attempted to charge me {$140.00} after its already on my credit report instead of contacting me before he sold it to the collection agency. Why are they able to validate the bill with credit agency but not me when i reached out several times? That would leave me with a paid collection on my report for seven years. XXXX nor XXXX XXXX services offered to delete the information if I paid it. It seems sketchy to wait until XXXX and the damage is done. Even with deletion its beyond repair because my points went down 3 times with each agent XXXX agents never said i had a bill in XXXX or XXXX. When I contact them they act like Im a criminal they rush transfer me over and over. No one ever fills in the next person so I have to explain again .Plus XXXX collection agency never contacted me. I had XXXX since XXXX and never just not paid. Ive had XXXX bills from them before. When I called in XXXX they attempted to give me a new plan. Around the two hour and 30 minutes mark the agent claimed he was contacting someone at GC services but he just hung up on me I guess because he asked my number in case of disconnection but never called back.
06/05/2018	Yes	Student loan Private student loan	Dealing with your lender or servicer Need information about your loan balance or loan terms	OH 44134	Web
I am unable to choose multiple problems I experienced with this company, I can only choose one answer in your profile. I have a problem with company 's collection practices, inability to provide requested bills/invoices, customer service and fraudulent or suspicious activity. On XX/XX/XXXX I opened an Auto Loan in XXXX for an 8-year old XXXX XXXX, it had been 3 years since I financed a vehicle as I was leasing, Prior, I had to voluntary submit my vehicle for repossession. I will make sure I will get this in by saying that for the last 6 years prior to XX/XX/XXXX I had been on Repayment plan for Student Loans obtained prior to XXXX with a company called XXXX. This is through relocating to 3 different states and having the same cell ph # for 10 years which they frequently called me on. I had lived in XXXX XXXX for 2 years and been at my employment for 14 months. I had just sent XXXX a monthly payment in early XXXX. On XX/XX/XXXX, I came home to and found a letter in my mail ( not even certified ) that was from my corporate payroll office in XXXX XXXX notifying me that my wages were going to be garnished with the next pay which was 2 weeks later in the amount of {$89.00} by a company called GCC Services. All the letter contained was a phone number, no address. I called the number to speak to a male representative and after explaining why I was calling he advised me they were Student Loan Collection Company and they had 10 of my loans. I was floored as the one thing I know is that I can not run from Student Loans and had been in touch with XXXX who had told me in the last 2 years they had all of my loans. Also these loans in question were all acquired from XX/XX/XXXX-XX/XX/XXXX when I attended XXXX XXXX ( online ) XXXX, XXXX. I was informed via email and by XXXX about a year prior that those loans are being investigated as the school was deemed unaccredited and I would be informed when and if I would begin repayment. I asked the Rep to provide me with an address, provided ALL of my contact information, including email and asked for detailed statements/bills of each loan as I have never received anything. I never received anything from the company. I went to an attorney 4 days later and started bankruptcy proceedings, my Chapter XXXX was confirmed on XX/XX/XXXX. I was encouraged to include my vehicle. There was one garnishment payment that was deducted from my payroll and it was refunded a month later via Chapter XXXX, however, once finalized I was informed by my corporate payroll office that on XX/XX/XXXX, the company actually sent a " cancellation of wage garnishment '' but I cant find out why. This was in XXXX when I learned this and about 3 weeks later, towards end of XXXX, I called GCC Services back ( XXXX, XXXX ) and asked why I didn't receive anything. First he asked, have you tried creating account and going online, which I did, but unsuccessful because I received never ending time capsule that never allowed me to access site. However, I was promised the information. Then he informed me that he now cant find anything as far as statements because my loans were sent back to the Dept of Education and they no longer had them. I also want to add that when I went to gccservices website there was an entire page dedicated to " How Wage Garnishment Begins '' which none of it pertained to the way I was notified. I brought this up in my conversation with GCC to which I don't remember a response. Gcc services opened up a whole can or worms and left me clean up before they even spread. However if you pull my credit report I have duplicate entries of these particular student loans and I am still under the belief that they are still under investigation. Improper collection practices to include notification. I know that debt collection companies even for student loans are held to these standards
02/28/2016	Yes	Debt collection Federal student loan	False statements or representation Attempted to collect wrong amount	MI 48092	Web
I finally left GC Services holding my defaulted federal student loans. I asked and asked in email after email and letter mailed in after letter mailed in. When this happens starting 3 months ahead of the 9 month on the rehabilitation process. Who owns my debt then? When is this transfer done? Who do I pay and how do I pay then so I am not back in default for being late possibly yet having the money ready!? XXXX XXXX I exited defafult.Friday the XXXX I got my premium forwarded weekly package of mail I pay for from my apartment in XXXX XXXX, as I am in XXXX XXXX on business for work XXXX. I got a letter stating from the XXXX XXXX XXXX for XXXX XXXX XXXX, looks like what I was asking for. I see no website, no means to go online to verify anything or pay anything. XXXX loan break down, figures, finally something in writing after begging for this info from GC Services. Mailed out {$50.00} money orders per the XXXX loans totally {$500.00} that night, in the mail Saturday morning on way into the plant at XXXX to the letter address, the national payment center for XXXX XXXX XXXX XXXX. Broken down per the loan on the requested payment of {$22.00} for month. Due date was the XXXX of the month ... .odd less then a month for the cycle and since last payment but I work a lot of over time so I sent it out I am trying all means to pay off the debt. This past Friday I call the money orders Wednesday all processed. Yet I still had no idea how to review anything online f or my balance, receipt, info, who what, how the bill is made. I call the listed number get Default Resolution Group for the XXXX XXXX XXXX for XXXX XXXX XXXX. They are refunding me the money but would not give out amounts claiming they do n't own the loans anymore. Well who the XXXX does I just sent in {$500.00} to the XXXX who told me to pay. Oh its XXXX Bank. Call this number. I do they are closed. I XXXX, again trying everything here. Find them, create account and find out logging in they want their money but no minimal amount set by the XXXX of XXXX. In panic since I do n't want to miss my first month payment and they are closed for the weekend and I do n't give out bank routing numbers online and given nature of GC Services now holding my {$500.00} for 45 days they said on the phone ... .how cute they get to make interest, as I am charged interest on my {$500.00} for 45 days how is that legal!?? I put {$500.00} more Saturday XXXX on way into the plant to XXXX bank address for my Federal loans to the address on their website. I am planning to call them when they open XXXX XXXX Monday morning. I fear they will say the payment did n't process until Wed the XXXX and I am a day late the first month coming out of Default. I am prepared to give them {$350.00} on phone if they will take payment Monday. I am scrambling here to not go back into default. GC Services aka XXXX XXXX XXXX or whatever names they play by tricked me and now is holding {$500.00} for 45 days while I have interest bearing on me, and could be late to pay my first month out of default due to lied to me about whom to send the payment into I asked about for 3 months ahead of time. They make money holding my money they cant hold?! Navient bank can not contact me yet own my loans and say a first payment date without contacting me in any way? The address they had on their system when I logged in had missing numbers in my phone and mailing address they got I am assuming from GC Services who benefits if I miss the first months payment and default again. I want my {$500.00} back now not in 2 months they took wrongfully misleading me. I want to pay my loans off that I am just now tracking down who owns on time and more then minimal to pay it off!
12/06/2016	Yes	Credit card	Delinquent account	NC 28277	Web
First off, I have excellent credit and I pay all of my bills on time. If I owe it, I pay it and I pay it on-time. With that being said, here 's my story : I opened a corporate XXXX XXXX account with a previous employer in early XXXX for XXXX associates ( myself and XXXX other ) to use for business expenses. I left that company in XXXX and agreed to leave the account open for 1 month while automatic billings were changed. I made sure all of the open balances were paid on both cards before I left. The company 's physical address was the billing address for the corporate cards. In XXXX XXXX I rec 'd a call from a company, GC Services informing me that my XXXX XXXX XXXX card had been sent to collections and I owed them {$400.00}. I had no idea what they were talking about and after about 5 minutes of going back and forth figured out that they were referring to the XXXX Corporate account from my previous employer. I asked for a copy of the statement, the date of the transaction, or anything else they could give me an idea about what had happened. This associate did n't have anything for me, not even the original charge amount. The only thing they knew was that it was an XXXX Corporate account that was linked to my social security number. In fact, GC Services did n't even have my home billing address. I explained that I was no longer employed at that company and would n't be able to help them without some additional information. I called XXXX direct and was able to determine that the charge was from XXXX XXXX ( 4 months after I left the company ). I did not know of the charge, did not approve the charge and was n't informed by anyone when the charge was billed. I was never contacted by XXXX XXXX about this charge. This is obviously a fraudulent charge. I conveyed this to the contact at GC Services, he reluctantly agreed, and he closed the case. As far as I knew, now I seem to be on a 5 month schedule of a new contact at GC Services calling me and asking for the same {$400.00} ( XXXX, XXXX, XXXX and now XXXX ). In XXXX GC Services did provide the statement with the charge and again I confirmed that it was not my charge, that I had no knowledge of the charge and that it was the first time I had actually seen the statement that contained the fraudulent charge. I even gave them written confirmation that it was fraudulent. Now, GC Services XXXX XXXX XXXX XXXX ext XXXX ) has started the process again. I told him the same story. He said that XXXX XXXX had looked at my claim and denied to accept it as fraudulent. When I call XXXX XXXX ( I still have other XXXX XXXX accounts - not for long ), they have no idea who GC Services is speaking with at XXXX XXXX nor do they seem to have any interest or way to contact them. The only thing they seem to able to do to is give me GC Services customer service number which again leads back to the same person that called me to collect the same {$400.00} ( original charge was {$190.00} XXXX. I 'm locked in a never ending cycle of GC Services claiming that XXXX XXXX has denied the claim and XXXX XXXX claiming that they do n't know who GC Services is talking to. It is beyond frustrating and at this point feels more like harassment than anything else. I 'm not sure how a fraudulent charge is better defined as fraudulent than mine ( no possession of the card, no knowledge of the charge, and no contact about the bill ). I want GC Services to stop contacting me and I want XXXX XXXX to acknowledge this charge as fraudulent and process it the same way they would any other fraudulent charge ( over the past 10 years, I 've had XXXX other cases of fraudulent charges that were dealt with properly ). HELP!
04/10/2021	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt is not yours	GA XXXXX	Web
To Whom It May Concern : This letter is being sent to you in response to notices sent to me from your company and more importantly, due to your erroneous reporting to the Credit Bureau { s }, the highly negative impact on my personal credit report. Please be advised that this is not a refusal to pay, but a notice sent pursuant to the Fair Debt Collection Practices Act, 15 USC 1692g Sec. 809 { b } that your claim is disputed and validation is requested. This is NOT a request for verification or proof of my mailing address, but a request for VALIDATION made pursuant to the above named Title and Section. I respectfully request that your offices provide me with competent evidence that I have any legal obligation to pay you. Please provide me with the following : What the money you say I owe is for : Explain and show me how you calculated what you say I owe : Provide me with copies of any papers that show I agreed to pay what you say I owe : Provide a verification or copy of any judgment if applicable : Identify the original creditor : Prove the Statute of Limitations has not expired on this account : Show me the you are licensed to collect in my state : Provide me with your license numbers and Registered Agent or Agent of Service : At this time I will also inform you that if your offices have reported invalidated information to any of the 3 major Credit Bureaus { XXXX, XXXX or XXXX } this action might constitute fraud under both Federal and State Laws. Due to this fact, if any negative mark is found on any of my credit reports by your company or the company that you represent, I will not hesitate to bring legal action against you for the following : Violation of the Fair Credit Reporting Act Violation of the Fair Debt Collection Practices Act Defamation of Character If your offices are able to provide proper documentation as requested in the following Declaration, I will require at least 30 days to investigate this information and during such time all collection activity must cease and desist. Also, during this validation period, if any action is taken which could be considered detrimental to any of my credit reports, I will consult with my legal counsel for suit. This includes listing any information with a credit reporting repository that could be inaccurate or invalidated or verifying an account as accurate, when in fact there is no provided proof that it is accurate. If your company fails to respond to this validation request within 30 days from the date of your receipt, all references to this account must be deleted and completely removed from my credit report and a copy of such deletion { to any/all of the 3 major credit reporting bureaus : XXXX, XXXX and XXXX } request shall be sent to me immediately. I would also like to request, in writing, that no telephone contact be made by your company to my home or my place of employment. If your offices attempt telephone communication with me, including but not limited to computer generated calls and calls or correspondence sent to or with any third parties, it will be considered harassment and I will have no choice but to file suit. All future communications with me MUST be done in writing and sent to the address noted in this letter by USPS. It would be advisable that you assure your records are in order before I am forced to take legal action against your company and your client. This is an attempt to correct your records, any information obtained shall be used for that purpose. Best Regards,
07/21/2023	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt was result of identity theft	CO 80304	Web
I am writing to draw your attention to the glaringly unprofessional conduct and negligence demonstrated by GC Services, specifically project manager XXXX XXXX. This is in relation to an earlier complaint filed against XXXX XXXX XXXX, who had handed over my account to GC Services following a failure to acknowledge an incident of identity theft. On XX/XX/2023, my checkbook was stolen leading to an unauthorized order placed with XXXX. Despite my timely efforts in reporting the theft and engaging with XXXX XXXX customer service to resolve the matter, my account was sent to GC Services. Please refer to my previous complaint XXXX for the full account of my interaction with XXXX. The chain of events with GC Services started with their initial letter dated XX/XX/2023, asking for {$160.00}. On XX/XX/2023, at XXXX, I called GC Services, spoke to an agent for 20 minutes, and explained the situation, providing the police case number. I was assured that this information was all that was needed to rectify the situation. Unfortunately, contrary to these assurances, I received a letter from GC Services dated XX/XX/2023, with multiple errors that seem negligently erroneous at best and intentionally fraudulent at worst. This letter made no mention of my identity theft or the police case number. It only stated that I have not paid the money and bizarrely added, " based on this information, we do not believe the statute of limitation has expired on our account ''. This completely irrelevant statement implies that the author of the letter either misunderstands the case or willfully ignores our previous conversation. Moreover, the letter included an itemized list of the items purchased from XXXX, indicating their status as " shipped '', but failed to provide the shipping address, which is a key piece of information I had requested in my initial phone conversation. The header of this attachment carried my name and my address ( XXXX XXXX XXXX, XXXX, CO ), misleadingly suggesting that the items were shipped to my address, which is false. A police report attached to this complaint documents three items from XXXX received at a different address ( XXXX XXXX XXXX, XXXX, CO ), with which I have no affiliation. The letter from GC Services was signed by XXXX XXXX, the project manager. Subsequent attempts to communicate with GC Services proved futile. On XX/XX/XXXX, at XXXX, I called GC Services again. My request to speak with XXXX XXXX was denied, with the explanation that he " does not take calls ''. I explained the irrelevance of the " statute of limitations '' mentioned in the previous letter and reminded them about my identity theft case. Despite my efforts to clarify the situation, the agent I believe to be named XXXX insisted that I should have sent a police report, despite never being asked to do so in the past. Through this ordeal, the conduct of GC Services, specifically project manager XXXX XXXX, has demonstrated poor communication, negligence, and an alarming lack of professional competence, resulting in a gross violation of my rights as a consumer. As such, I am urging the Consumer Financial Protection Bureau to take stern corrective action against GC Services under the guidelines for such unprofessional conduct. This complaint is supported by the attached police report, documenting the fraudulent purchase of items from XXXX in my name on pages 16 and 34 and the actions of GC Services on page 34.
10/04/2017	Yes	Debt collection Other debt	Took or threatened to take negative or legal action Collected or attempted to collect exempt funds	OH XXXXX	Web
GC Services XXXX XXXX XXXX, XXXX TX XXXX, ( XXXX ) XXXX I do not recall speaking to this company about a XXXX XXXX bill for {$240.00} ( they charged {$240.00} on my credit card ). The company I did speak with, whose name was not given - so could be this company - asked me to pay 2/3rds to settle the account ( on a debit card ), but I did not have the funds. They asked if I received SSI, SSDI, or Social Security and I replied I received XXXX. I also asked for a copy of the bill, because XXXX never sent me a bill. I thought I had paid in full. The first I learned was when a collection agency called - a year after I left XXXX 's cell phone service and never receiving a notice of payment due from XXXX. Today I noticed that on XXXX XXXX 2017, XXXX ( or GC Services ), charged my credit card ( the one I used to pay my monthly bill ( on a NO contract, month-to-month cell phone plan ). This was a complete surprise to me. Had XXXX contacted me about an outstanding bill, it could have been settled, but to do this without giving me the chance to see the bill, or to pay what I might owe, is unfair. To charge on a credit card without my authority is also unfair ( illegal? ). Can GC Services ( or XXXX ) do this? Can they also keep this on my credit report? Seems a steep price for dealing with XXXX. A final bill I never receive notice of - even when asking for such from the collection agency calling on XXXX 's behalf ( said could n't do that ) - and a charge onto a credit card I was not made aware was going to occur, PLUS a negative on my credit report? If XXXX made the charge, why the collection agency and why the negative in my credit file - they took what they claimed I owed ( without showing me I owed it )? If GC Services made the charge, or advised XXXX to do so, is it legal for a collection agency to -- 1. refuse to send information on the account when asked for it 2. not allowing me time to read said information or to call XXXX to verify ( when I called was told I no longer had an account -- could n't find me in their system ) -- yet I owe money?! 3. tell me the name of their company but DID demand money for XXXX THAT day 4. Allow me any proof I owed XXXX anything. Just because they said so did not make it true given the number of scammers calling to cheat people. How else could I know it was true without information the collection company refused to send and XXXX not having me on their service ( per the person I called - customer service ) all BEFORE putting this on my credit record? Whoever called on XXXX 's behalf called over a year since I left the company 's cell phone service. XXXX neither called or wrote during that year either. So I was surprised to be told I owed money and more surprised to be told no information " could not '' be sent to me to verify this debt. I was with XXXX 's cell service for three months on a month-to-month plan. The collection agency said the money owed was for EARLY TERMINATION, though this never applied to my month-to-month, non-contract service, and when told this changed the amount due to a PHONE COST, which I had returned to XXXX as instructed, then went back to the early termination explanation, but would take " only '' 2/3 's of the bill if paid tha day with a debit card ( only a debit card ). Seems they only wanted to take my money without any clear oral or written explanation.
01/11/2019	Yes	Student loan Federal student loan servicing	Dealing with your lender or servicer Trouble with how payments are being handled	NY 146XX	Web
It has come to my attention, after receiving a notice of wage garnishment from the U.S. Department of Education, that GC Services has made a significant error while managing my student loan account. Although I completed GC Services loan rehabilitation program in XX/XX/XXXX, the system never sent my account to a non-defaulted servicer. I have the original letter from CG Services dated XX/XX/XXXX confirming completion of the rehabilitation program I enrolled in the month of XX/XX/XXXX. GC Services, in error, returned my account as delinquint to the Department of Education, who in turn submitted the account to collections through XXXX XXXX XXXX. Since receiving the completion letter from GC Services dated XX/XX/XXXX, I have not received any notifications or letters from them regarding my account or its status and assumed they were still taking automatic payment on my loans, which they were not. This error has occurred secondary to prior negligence on GC Services behalf in processing multiple automatic payments incorrectly in XX/XX/XXXX. Automatic payments were set up on the account and began on XX/XX/XXXX in the agreed upon amount of {$56.00} dollars. Per GC Services, a typo was made when they entered my payment into their system, which led to only a {$5.00} payment being drafted from my bank account. I spoke to them multiple times to resolve this issue as soon as I became aware of it. GC Services acknowledged the error on their behalf and assured me it would be remedied and that it would not lengthen the 9 month period that our agreement had stipulated for rehabilitation. I also reported the circumstances and GC Services negligence to the U.S. Department of Education. On XX/XX/XXXX, GC Services sent the U.S. Department of Education an apology that acknowledged an error on their behalf in processing my payments. I spoke to the U.S. Department of Education on XX/XX/XXXX regarding the status of my loans and the negligence of GC Services. They confirmed that although it appeared I had completed the rehabilitation program my account was sent back to them by GC services for delinquency in XX/XX/XXXXin error. I was advised that my only option at this point, as GC Services is no longer the collecting agency, is to request a hearing with the U.S. Department of Education and forward them all of the documentation I have saved from GC Services. While I was unaware that GC Services had falsely reported me as delinquent to the Department of Education, my credit has been impacted negatively and I am accruing delinquent charges and extra interest on my loans. GC Services has claimed that I stopped making payments and did not meet the requirement of 9 on time monthly payments. My payments were AUTOMATIC scheduled payments set up with them in XX/XX/XXXX and GC Services never notified me of stopping our payment agreement or a change in my account status, not even a bill. I have attached my proof if making 11 ON TIME MONTHLY payments, directly deducted from my personal checking account. Per conversations with GC Services representatives and their acknowledgment of their payment processing error on my account, their error would absolutely not affect the timeframe of my rehabilitation. I have also attached the notice they sent following my XX/XX/XXXX monthly payment stating my completion of the rehabilitation program.
03/22/2017	Yes	Student loan Federal student loan servicing	Dealing with my lender or servicer Need information about my balance/terms	OR 97420	Web
My student loan is in default and my wages were garnished from XX/XX/XXXX through XX/XX/XXXX without pause.The total amount paid through the garnishments is in excess of {$30000.00}. In XX/XX/XXXX my tax refunds of approx. {$3000.00} were also offset. My original loan amount was approx. {$16000.00} when the garnishment first went into effect. The interest rate was less than 7 % and the statements of interest paid for tax return purposes I have intermittently received ( after many phone calls ) consistently show very low amounts of interest paid. This makes sense if the principal is being reduced accordingly. I have been through XXXX or XXXX loan servicers during this process, the current being GC Services and XXXX prior to them. With both companies I have repeatedly requested a statement showing balance, activity, fees, payments and how the payments were applied. I have never received anything. EVER. My address has not changed, my employer was the same for over a dozen years, yet I get no response. I have no idea how they arrive at the current balance which they still show in excess of {$7000.00}. I have never been offered or been told of any eligibility for any type of repayment plan and was told that I would have to submit all sorts of income and wage verifications prior to receiving any information at all, including a statement! Now I am XXXX and have a social security XXXX claim pending. During the last conversation I had with GC Services I was told that if the Social Security XXXX was approved then the balance of my loan would be forgiven, but did not receive any information as to how to accomplish this, no forms to complete, etc. I can not file for XXXX forgiveness until I receive my determination from Social Security, yet should I be entitled to a lump sum back payment I do not want it to be offset to this loan as I do not believe they are entitled to it. I still do not comprehend how after repaying in excess of {$33000.00} over thirteen years a {$16000.00} loan amount can still have over {$7000.00} outstanding. I have no idea how I am supposed to deal in good faith with companies that will not send me a complete history of account activity. I have no way to know how much in additional fees have been tacked on to the loan, what interest rate I am being charged nor how the payments have been applied and in what order. In past conversations I advised the companies that I would not furnish any more of my personal or financial information without a complete loan history and I would not make additional payments as they were already garnishing my wages to the maximum amounts the law allows. I am at a loss as to how to obtain the loan history information and there are no breakdowns of fees on the student loan website, only balance information. I can not imagine having to recover funds from this company should they take any in error and wish to avoid this scenario. I have consistently been treated as if I have no right to the information I have been asking for and frankly, find this very disturbing as well as unethical. Any help would be greatly appreciated and I would ask for any responses from the company to be in written form and mailed to my address as I have little faith in telephone conversations with them at this point.
06/03/2016	Yes	Student loan Federal student loan servicing	Dealing with my lender or servicer Trouble with how payments are handled	AE XXXXX	Web
GC Services contacted me to collect on a student loan debt that was in default. The staff member informed me that, if I paid for one year, I would be referred for loan rehabilitation, which would help my credit. I set up payment arrangement based on my overtime salary, which the representative said was required by the federal government, as they used my income tax return. I asked that I be given a written breakdown of what was owed prior to making arrangements. Because the representative stated that me " refusing '' to work with them meant that the company would have to report it I was pressured into agreement ( my job status would have been affected by that negative report ). I provided the representative with all of my current information and asked that they contact me via email due to my location. Toward the end of the year, I contacted the company via telephone to learn my next steps. The persons I had worked with to that point were " no longer with the company. '' I spoke to two individuals who stated they would help me resolve the matter. I learned that the company was still using my old address. I provided both a physical address and an email address, asking that they contact me via email because of my location. I was asked for a back up address in the states, which I provided but told them that I can not readily access mail there. I was assured that I would be contacted via email first, then via my XXXX and finally the stateside address. I waited for more than one month but the paperwork did not come. I contacted GC Services and learned that the two representative were " no longer with the company. '' I was informed that the paperwork I needed to complete would be sent to me for me to complete and mail off. It did not arrive. Two weeks later, I called and was forwarded to another rep, as the other was " no longer with the company. '' The information was sent to the stateside address and I ended up getting it and returning it via US mail. GC Services said they never received it. I ended up missing the deadline and GC Services told me that there was nothing they could do but settle the debt. I had paid close to {$14000.00} in one year and they wanted another {$3500.00} to settle the debt. The original debt amount ( with all fees included ) was approximately {$18000.00}. Had I known this would be my lot, I would have settled the debt initially. I told them that I wanted to make an official dispute. The communications ceased. I started sending emails every 2-4 days. GC Services sent a letter to the stateside address again, " confirming '' a settlement amount. I NEVER AGREED TO A SETTLEMENT AMOUNT AND NEVER SUGGESTED ONE. My credit is just as affected by this debt ( even more so now that it looks like I 've defaulted twice on the same debt ) and I am having to pay due to this company 's poor response or lack thereof. I need help with this matter. Also, what responsibility does the US Dept of Education accept concerning third-party collectors and the information provided to us as debtors? And why is US Dept of Education unwilling to accept {$14000.00} of an {$18000.00} debt ( with large fee attached )? I think the remaining balance should be forgiven.
10/06/2019	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt is not yours	PA 19104	Web
I received a notice from GC Services Limited Partnership dated XX/XX/2019 for File Number XXXX, Client Account Number XXXX for a balance of {$100.00} to XXXX. I am writing to dispute the validity of the debt. This is regarding my XXXX account number XXXX. I ended my cell phone service with XXXX in XXXX of 2019. At the time, I had been using a XXXX XXXX XXXX phone that I had originally leased from XXXX. The original lease agreement was for {$31.00} a month for 18 months, which I paid for 18 months. I then paid the same monthly leasing charge for another 6 months. In total, over 2 years, I paid XXXX {$750.00} for the phone. The phone currently retails from XXXX for {$490.00}, although at the time I began the lease, the phone was selling for close to {$600.00}. Regardless, XXXX has already made a $ 150- {$250.00} profit off of leasing the phone to me, depending on when you calculate the market value of the phone. In XXXX, prior to cancelling my service with XXXX, I called to find out why I was still being charged for the phone, as I had paid more than the fair market value of the phone over two years. I spoke with XXXX XXXX, XXXX ID number XXXX. He first suggested that I would have to pay {$20.00} to end the lease and own the phone. After I reviewed how much I had already paid towards the phone, he agreed that I had more than paid off the fair market value of the phone and that I would no longer be charged to lease the phone. I received what I believed to be my final bill, for service from XX/XX/XXXX-XX/XX/2019 and paid it in early XXXX. I then later received another bill, for XX/XX/XXXX-XX/XX/2019, when I no longer had cell phone service with XXXX. The bill is for {$100.00} and the bill says that it is for Total Lease Amount Due. On XX/XX/XXXX, I called XXXX to find out why I was receiving this bill. I was told by the representative that she saw that there had been some errors and would send me a new bill, although she was unable to explain what the issue was or how much my bill was actually for. She agreed to send me out a new bill, but instead sent me a duplicate copy of the XXXX-XXXX bill that I had already paid. Today I tried calling XXXX to find out why they had referred the {$100.00} bill to a collection agency. As you can see in the attached phone log screenshot, I spent over 2 hours on the phone with XXXX today. Each of these calls, unfortunately, only involved me speaking with a representative for a few minutes. After the representative spoke with me for a few minutes, they said that they needed to put me on hold. Then, after leaving me on hold for sometimes 15 minutes or as long as 1.5 hours, they hung up, each time. My sense is that because I have already cancelled my service with XXXX, my call is not important and they feel no responsibility to actually talk to me. This is unacceptable given that they are insisting that I pay them {$100.00} more for a phone that I have already over-paid them for. Given that XXXX is refusing to discuss this with me over the phone, I am reaching out for additional assistance and to document that I am disputing the {$100.00} charge.
04/09/2019	Yes	Debt collection Federal student loan debt	Attempts to collect debt not owed Debt was paid	KY 40291	Web
Several months ago I completed all of the required forms and payments to get my Student Loans out of collections with GC Services. I was assured by multiple GC Services reps that I'd completed everything that was required from me, and was also assured that my account would be removed from Federal Offset for my tax returns. Between XX/XX/XXXX and late XX/XX/XXXX, I heard nothing from GC Services, indicating to me that my interactions with them were completed. However, at the end of XX/XX/XXXX, I received a packet in the mail stating that additional information from me was required in order to get my loans out of default. When I called GC Services to discuss what else was needed, I was informed the packet was not accurate- they didn't need any of the information being requested. The issue was that the loans were under my maiden name XXXX, and my married name is XXXX. During the dozen phone calls I'd had with GC Services prior to this moment, I'd told them every single time my name was no longer XXXX. I'd even filled out the form on every packet that asked me to note any changes, such as a change to my name, mailing address, phone number, etc. I changed my name to XXXX on every single form. Also, my wages were being garnished, and my paychecks are made out to XXXX XXXX, so to say that my last name being different was causing the issues is preposterous. They'd known my last name had changed all along. It is associated to my social security number. Per the request of the GC Services rep, I uploaded proof of my name change : my drivers license and a copy of my social security card. I called back that evening to ensure it'd been received and was assured it had been, and it was being updated in the system to keep my tax return from being offset. With this confirmation, I went ahead and filed my Federal and State tax return roughly 1-2 weeks later. My Federal return was offset 100 % for my student loans being in default, which they weren't. I'd done absolutely everything that was asked of me and more. I spoke to an assistant manager at GC Services named XXXX XXXX, who advised me he'd reviewed the calls and determined that i was correct- no one ever mentioned my last name being different would cause the issue, and the error fell on their shoulders. He assured me he'd work with the Department of Education to get my Federal Return back. Below I have included a list of some of the times I have interacted with GC Services in the last couple of months trying to resolve this issue. No one has had an answer for me. I'm repeatedly being given the runaround- that someone is out of the office, or the contact at the Department of Education is not responding, etc. I have waited over two months, I've called repeatedly, and I am at risk of being evicted because of the $ 6,000+ I was offset for a mistake made on GC Services 's part. XX/XX/19 XX/XX/19 XX/XX/19 XX/XX/19 I want the entire amount of my Federal Return returned to me ASAP, whether that be through the Department of Education, or through GC Services themselves. Legal action will be pursued if this is not handled with haste.
05/25/2022	Yes	Debt collection Federal student loan debt	False statements or representation Impersonated attorney, law enforcement, or government official	IA 516XX	Web	Servicemember
In XXXX, XXXX, XXXX XXXX, manager at GC Services Limited Partnership, contacted me repeatedly to collect my student loan debt from their said client, XXXX XXXX, who held my student loan. XXXX proposed a {$9000.00} settlement from me on my loan of {$38.00}, XXXX balance, at that time ( it has since accrued over {$2000.00} in interest with my current loan holder, XXXX ). XXXX and I went back and forth several times on the phone negotiating terms. We discussed my financial and personal stressors affecting my repayment at that time ( to include me being between jobs from the XXXX XXXX XXXX ending in XXXX, my father unexpectedly passing away in XXXX, joining the XXXX that XXXX, and having moved unexpectedly three times already that year with more major moves to come ). She offered a lower settlement amount so I could begin paying on it before I left for basic training that XXXX where I would be non-reachable for three consecutive months. She agreed to a {$2000.00} total amount paid in 6 installments to GC Services, LP to settle my entire student loan held by XXXX XXXX. I agreed and paid the initial payment of {$330.00} on XX/XX/XXXX with the remaining installments of {$330.00} due on the XXXX of each month thereafter. XXXX XXXX emailed me a document with the Settlement Agreement of these terms. I paid the entire settlement amount in full and in advance. However, I never received confirmation. I reached out several times to confirm but was unable to reach anyone. Other major life changes and additional losses took precedence and I moved forward. Early XXXX, I was contacted by XXXX who had apparently taken over my XXXX loan. The new amount ( with interest accrued from the past two years I assumed it was settled ) is now over {$40000.00} and due for payments in XX/XX/XXXX. I informed them of the previous settlement with GC Services. They had me upload those documents, but ultimately said settlements are not an option and GC Services was a fraudulent company. At that point, I contacted GC Services to get proof of my final payment on the settlement agreement with XXXX XXXX from XXXX. She was no longer with the company. The new manager, XXXX XXXX, told me my account was locked but he would work on opening it back up to email me proof of payment on the loan agreement. On XX/XX/XXXX, XXXX XXXX emailed me the document stating they were happy to let me know they received and posted my final payment from XXXX to my student loan account held by XXXX XXXX. It said once the payment was cleared, they would report to their client that my account was settled in full. His contact number was included ( XXXX ). The following week, I tried to arrange a three-way call between GC Services XXXX me, and XXXX. I called GC Services about a plan to coordinate this with them in the days to come. They have not answered multiple phone calls from me since that attempt to schedule the 3-way call. Their phone robot states it does not recognize my number and puts me on an endless hold. I have attached document of agreement, payment confirmation, and loan information.
08/24/2018	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt is not yours	MN 55369	Web
To whom it may concern : Please note that that this is not a refusal to pay off the account, but a notice sent as per the Fair Debt Collection practices Act, 15 USC 1692g Sec. 809 ( b ). The notice states that your claim is disputed and validation of the account is required. This notice is not a request for verification of the account or proof of my mailing address, but a request for validation made pursuant to the FDCPA laws. I humbly request that your agency/office sends me valid proof that I am legally obligated to pay you. Please provide me with the below mentioned things : * The amount you claim I owe you * Explain and show me how you have computed the amount * Send me the copies of any documents that prove I agreed to pay the alleged amount * Identify the original creditor * Confirm that the account has not crossed the SOL period * Prove that you're a licensed debt collector * Show me your license numbers and registered agent. * Any credit Application with my signed Signature attached I would like to inform you that in case your agency has reported invalidated account information to any of the 3 main Credit Bureau 's such as XXXX, XXXX, XXXX, then it will be regarded as a fraudulent action under both the federal and state laws. Due to this reason, if any negative item is reported to any of my credit reports by your agency or the agency that you represent, then I will be compelled to take legal steps against you for the below mentioned reasons : * Violation of the FCRA * Violation of the FDCPA * Defamation of character If your agency can provide me with the requested documents, I will need minimum 30 days to investigate this information, and during this period of time, all collection activities must be stopped. I would like to further inform you that if any action is taken ( during the validation period ) which could be regarded as detrimental to any of my credit reports, then I will seek advice from my attorney for lawsuit. This includes listing any information on a credit report that could be incorrect or invalidated, or confirming an account as correct when in fact there is no provided proof that it is. If your agency/company fails to respond to this debt validation request within a period of 30 days from the date of your receipt, then the account information must be completely deleted from my credit report, and a copy of such deletion request should be sent to me at once. I would also like to request, in writing, that no calls should be made by your agency or company at my residence or work place. If your agency attempts to make unlimited or computer generated calls to me or any third parties, then it will be considered harassment, and I will have no option but to file lawsuit. All future communications with me should be done in writing and sent to the address mentioned in this letter. It would be advisable that you assure that your records are in order before I am forced to take legal action. This is an attempt to correct your records, any information obtained shall be used for that purpose. Sincerely, XXXX XXXX XXXX
09/20/2015	Yes	Debt collection Other (i.e. phone, health club, etc.)	Cont'd attempts collect debt not owed Debt was paid	MI 48212	Web
I had a XXXX bill that had gotten sent to collection earlier this year. The company that reported on my credit report was said to be GC Services. So in a temp to pay all of my debts off when I got a new job, in the beginning of XXXX, the XXXX to be exact, I paid my balance of {$600.00} in full. I was given a confirmation number and told that a letter would be sent to me within 30 days as will the debt be up to date and noted that I paid my balance in the same time frame. By the time the 30 days were up, and I even gave it a few extra days, I had received no confirmation letter and it was still reported that my account was still in collection. I called GC services to try to get an understanding of what was the hold up and they told me that my balance was at zero and that the issue was with TransUnion ( creditor ). Had given that information, I contacted XXXX in which I disputed the account and gave the confirmation number as part of the investigation. I got my results from the investigation that showed there was no change in my account and My account was in collection with GC Services. So I called GC back to see where was my confirmation letter so I can prove that I paid the debt to XXXX because XXXX was saying that when they tried to verify the confirmation number with GC Services, it was reported that The confirmation number was not valid. I called and called until they ( GC Services ) finally sent a confirmation letter that I did n't receive until XXXX. So immediately I went ahead and faxed the letter to TransUnion in which XXXX of the representatives told me to do and it will take 5-10 days to review. I got a letter in the mail from XXXX that said once again, there was no change in my account. I called to speak with the Supervisor and the Gentleman told me that they sent that confirmation over to GC Services to verify and they and I quote " Would not '' verify that the document was legitimate. Every time I ask either company could they contact the other directly they tell me that they could not, the other company as to contact them. Each one says it 's not up to them it 's up to the other and the Supervisor at GC Services told me that It is out of her hands because she did her part ... .. As I 'm explaining the situation to each company, both are placing the blame on the other saying things like " Maybe there system is n't up to date. '' I called and verified that everybody 's ( both companies ) system updates immediately. GC Services says that XXXX never contacted them, TransUnion says they tried to contact them multiple times and they " wo n't '' verify that my account has been paid in full. At this point I do n't know what to do. I can not get approved for my place because of this account. I can not replaying my credit because I am in debt for something I paid months ago.. I do n't know who 's lying or if both companies are lying. I just want this account to be up to date and if not, I would definitely love my money back to whoever I paid.
04/27/2016	Yes	Debt collection Other (i.e. phone, health club, etc.)	Cont'd attempts collect debt not owed Debt was paid	WV 252XX	Web
I called XXXX XXXX last XXXX XXXX with my ex husband present to get the bill out of my name since we were getting divorced. We called XXXX XXXX and spoke to a rep and told them that he was taking over the services since I was moving from the Residence. In XXXX XXXX I received a letter stating that I was sent to collections for unpaid debt to XXXX XXXX. I called XXXX and told them that I have n't lived at that residence since XXXX XXXX and that my ex husband and I called in XXXX to have services changed in his name and that this was not my responsibility it was his. The guy I spoke with told me that the notes noted on the account corresponded with what I was telling him and all I needed to do was write a letter stating what happened and when and that we put the services in his name and that he would be responsible for any payment. The bill was up to date when I left there. Then just this past Monday evening XXXX XXXX XXXX I received another letter in the mail saying that I was sent to another collection agency from XXXX XXXX. I called the Agency XXXX XXXX account # XXXX and spoke with XXXX and told them the same thing and that I submitted everything they told me to do back in XXXX and that we both called in XXXX to have the services put in his name. I was told that they could not help me and that I needed to contact dish so I did. I called dish at the # he provided XXXX. I spoke with XXXX first and he told me he was going to transfer me to the assistant president XXXX. XXXX told me that everything I said was noted and that I did change the billing information but the equipment was still in my name. XXXX had cancelled the services and has not returned the equipment. I told XXXX that I was not responsible for anything that we had called back in XXXX to have it put in his name. XXXX told me yes you did but you did not the equipment and that there was nothing he could do. I said I am not paying for something that I done exactly what I was supposed to do and that who would change just the billing info and not the equipment that was not right and why would they do people that way. He said that is how there company works and I said yes trying to mess people out of their money and that is not right. I told him that I could contact the XXXX Consumer Financial Protection bureau and the att ; General. He said that he still is not going to change anything because I threaten to go to them and I told him that was not threat I was going to especially since this has made my credit score drop. The reason I know my credit has drop is because I just applied for a loan to buy a house and my credit score was lower. The bank lender and I could not figure out why and then I received this letter, so that explained it. I work to hard for my money and my credit to have it ruined. I need this fixed and made right ASAP or told what I need to do to get it done. Please contact me at XXXX or XXXX and let me know. Thank you for you time.
12/12/2015	Yes	Debt collection Federal student loan	False statements or representation Attempted to collect wrong amount	MO 641XX	Web
In XXXX 2015, I entered into an agreement with the collector GC Services working on behalf of the Department of Education to rehabilitate my Federal Student Loan which had gone into default. The deal proffered by GC Svcs was for XXXX monthly payments and a fair amount of paperwork, after which my loan would come out of default and I could resume regular payments. At the time the agreement was entered into, I was not working and so the payment amount was set at {$5.00} per month. Over the last eleven months, GC Svcs has collected eleven payments at the agreed upon amount, on time, without exception. However, over the last eleven months, GC Svcs Collectors have contacted me about every 6-8 weeks to insist that I provide ever greater amounts of income verification, asset verification, forms, applications and submit to untold hours of answering the same questions over and over again on the phone all while threatening to change the payment terms of the original deal or pull the deal entirely. I have spoken with GC Svcs personnel ranging from Collectors to Managers and no one agent of GC Svcs has been able to explain the exact nature of the issue or the status of the agreement made in XXXX. GC Svcs agents have, although, gone to great lengths to obfuscate not only the nature of the agreement and the Student Loan Rehabilitation Program but their legal responsibilities as instrument of the Department of Education and my legal rights as a debtor. After contacting the DOE Ombudsman and the Default Resolution Group, I have been told that indeed, XXXX qualifying payments have been made but that for some reason, GC Svcs has not submitted my Rehabilitation Program paperwork to the DOE. A collection agency behaving deceptively is not remotely surprising but a collection agency acting as instrument for the United States Department of Education, proffering an agreement in their name and then mendaciously threatening to renege on said agreement all while collecting payments made in connection with that agreement is frankly, revolting. Having handled hundreds of thousands of dollars in medical bills in my life, I am no stranger to debt and I have been exceedingly cooperative and patient over the last eleven months with GC Svcs but my patience is at an end. At best, GC Svcs is incompetent and does not fully understand the role they have been contracted by DOE to perform. At worst they are acting with pure bad faith, using deceit and obfuscation to swindle college students out of their rights as debtors. It is my sincere hope that upon review, the CFPB, The DOE Ombudsman and the FTC will find GC Svcs unfit for continued engagement as a collection agency. I hope for this not because I want to escape my obligation as a debtor and not out of some vindictive impulse to be avenged, but because I - and a XXXX other financially strapped college students - deserve, at the very least, the dignity of an honest broker with whom to work.
06/08/2020	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Account information incorrect	LA 708XX	Web
I owed a balance to XXXX XXXX for services that were terminated in XX/XX/2020. This balance was turned over to GC Collection Services on XX/XX/2020. GC Services called me several times a week to collect the balance, which included equipment fees. I was not able to turn in the equipment because the local XXXX store was closed due to COVID 19. This was explained to GC Services representative XXXX XXXX on several occasions. She advised that once the equipment was turned in for me to call back and make the payment for the data fees. On XX/XX/2020, the equipment was returned. She informed me that I needed to clear the account up prior to XX/XX/2020 to prevent it from being reported to the credit bureaus. On XX/XX/2020, I spoke with XXXX and provided my checking account information for the payment. On XX/XX/2020, I received a call from GC Services stating that I had a balance with XXXX XXXX for {$190.00}. I explained to the representative that I made a payment two days earlier in the amount of {$170.00}. I explained that I should not be receiving anymore collection calls because the account balance had already been paid. The rep said they would look into and I should not receive any other calls. On XX/XX/2020, I received an alert from XXXX stating that a new collection account was added to my file. When I logged in to view the alert, it showed a newly reported account from GC Services in the amount of {$190.00}. I immediately called GC Services to discuss and informed them that I made a payment on XX/XX/2020. The rep stated that they did not show a record of any payments made. After being on the phone with one rep, I was transferred to a Supervisor named XXXX XXXX, who explained that apparently I had two accounts in their office for XXXX XXXX. I stated that I was never contacted about the 2nd account until XX/XX/2020, but assumed it was a mistake since I had just recently made a payment to them. XXXX XXXX agreed that it was confusing and apologized for any confusion or frustration it may have caused. I explained that I had no problem making a payment and had I been properly notified of the account, I would have made a payment to prevent the account from being reported as a collection account, which has damaged my credit scores. She could not provide me any documentation or notes of any correspondence or communication from their office to me concerning the 2nd account, other than the call on XX/XX/2020. I was not provided the opportunity to dispute or validate this account with GC Services prior to them reporting this account to the three major credit reporting bureaus. XXXX referred me back to XXXX XXXX, who stated that there was not anything they could do and that all communication, payments, and disputes were to be addressed with GC Services. I reached back out to GC Services and was not able to come to a resolution.
10/04/2021	Yes	Debt collection Auto debt	False statements or representation Attempted to collect wrong amount	FL 33130	Web	Older American
SIRS CONSUMER FINANCIAL PROTECTION OFFICE Collection company scam : XXXX XXXX XXXX GC SERVICES I am addressing you with all due respect in order to report a fact by which I have been surprised by the GC Services Limited Partnership My person bought a XXXX car to work, which had been paying on time. Unfortunately due to the pandemic, and the death of my husband, I could not continue paying the debt ; which is why I delivered the car to the same XXXX XXXX. They later sold the car they had been buying, leaving a difference of {$12000.00}. XXXX sent the debt to the company GC Services Limited Partnership, who sent me offers to help finish my payments, the first offer being {$8500.00}, ( XX/XX/XXXX ) then another offer lowering the price to {$6700.00}, ( XX/XX/XXXX ) reaching a final verbal agreement of {$5100.00} ( XX/XX/XXXX ) as long as he pays the amount of {$2000.00} dollars as a down payment, nine payments of {$280.00} and a last payment of {$270.00}. An agreement signed by the company GC Services Limited Partnership is attached. Unfortunately, while I was complying with sending the {$2000.00} down payment and the monthly payments of {$280.00}, I realized that in their letters they placed in their sums that I still owed the amount of {$10000.00}, without respecting the agreement of lower with my initial and monthly payments, the amount of {$5100.00}. Wanting to talk many times with the Managers, they always told me they were busy, at the same time I told them to correct the amounts of the sums. Not receiving responses, I faxed the two Managers who sent me these letters without receiving a response to date, which is why I called my bank to stop making the following payments, and I was going to report the fact to the FTC because were not fulfilling the agreement. ( Attached Letters Currently they have sent another company called XXXX XXXX XXXX, so that now they are the ones who continue to charge me the amount of {$10000.00}, forgetting my payments that to date are only {$2200.00}, under the pretext that I stopped the payment. This companies have been totally surprised to me gentlemen of the FTC, which is why, I request that you help me to report this fact because I NEVER STOP RESPECTING THE AGREEMENT WAS GC. They were Services Limited Partnership, which defaulted ; in addition to sharing personal and private information as well as my credit card. These companies are a FRAUD, because they only took my money and now they do not respect the agreed balance. I Attached letters of the agreement of XXXX ; signed by them ; of which I have been paying {$2800.00}, leaving a final balance of {$2200.00} that I have wanted to pay, but these companies do not want to respect or lower the amount that I have been paying for the debt. XXXX XXXX XXXX XXXX
11/08/2016	Yes	Debt collection Federal student loan	False statements or representation Attempted to collect wrong amount	DC 20011	Web
To whom it may concern : I do not have the most accurate category in the drop down menu " which of these best describes your issue '', however, I did call and a customer service rep assured me that making a complaint here would be most efficient and that I could personalize my complaint here. My complaint is that the company who now has my loans, 'GC Services ', has consistently given me wrong/misleading information regarding my defaulted student loans. I was notified by the XXXX that my loans totaled about XXXX. I was sent a letter around the end of XXXX stating that I had 60 days to respond. I never got that chance, because the loans were transferred to GC Services. I contacted GC Services about two weeks ago so that I could rehabilitate my loans. I was told that I had rehabbed my loans twice before and was no longer eligible. I also called today, XXXX/XXXX/2016 and again inquired about rehabilitating my student loans. I was told that I had rehabbed them once and was not eligible. I asked why the discrepancy and then asked for supporting documentation, since I was on the Consumer Finance.gov website and would submit a complaint since by law, they have to offer me a rehabilitation for defaulted student loans. I was told they do NOT offer supporting documentation and I then asked for an address and phone number, neither of which were given to me. I was then transferred to a 'manager ' and when I asked for an address and phone number, I was asked " why '' - this does not seem like a legitimate business practice. I was given a phone number, but not an address - XXXX is the phone number that I was given. They also tacked on fees and interest, making the total XXXX. I do believe I am eligible for rehabilitation since my loan is defaulted and I am having financial hardship. I do not believe that this company has given me accurate information or represented themselves as a company that tells consumers the truth, instead, I have been consistently transferred around to various departments, 'managers ', been given false information, and told my only options were " paying the loan '' and I was told I could not rehabilitate the loan repeatedly with no real explanation outside of " you did it twice and are not eligible '', and then " you did it once and are n't eligible ''. Again, I do not believe it is best business practice not to communicate basic things like supporting documentation, addresses, etc. to someone who is attempting to resolve their defaulted federal loans. I was also told by GC Services to contact the XXXX, but I had already done that, and I get an automated response telling me to contact GC Services. Thank you for your time and attention to this matter.
12/19/2018	Yes	Debt collection Federal student loan debt	False statements or representation Attempted to collect wrong amount	NY 14617	Web
It has come to my attention, after receiving a notice of wage garnishment from the U.S. Department of Education, that GC Services has made a significant error while managing my student loan account. Although I completed GC Services loan rehabilitation program in XX/XX/XXXX, the system never sent my account to a non-defaulted servicer. I have the original letter from CG Services dated XX/XX/XXXX confirming completion of the rehabilitation program I enrolled in the month of XX/XX/XXXX. GC Services, in error, returned my account as delinquint to the Department of Education, who in turn submitted the account to collections through XXXX XXXX XXXX. Since receiving the completion letter from GC Services dated XX/XX/XXXX, I have not received any notifications or letters from them regarding my account or its status and assumed they were still taking automatic payment on my loans, which they were not. This error has occurred secondary to prior negligence on GC Services behalf in processing multiple automatic payments incorrectly in XX/XX/XXXX. Automatic payments were set up on the account and began on XX/XX/XXXX in the agreed upon amount of {$56.00} dollars. Per GC Services, a typo was made when they entered my payment into their system, which led to only a {$5.00} payment being drafted from my bank account. I spoke to them multiple times to resolve this issue as soon as I became aware of it. GC Services acknowledged the error on their behalf and assured me it would be remedied and that it would not lengthen the 9 month period that our agreement had stipulated for rehabilitation. I also reported the circumstances and GC Services negligence to the U.S. Department of Education. On XX/XX/XXXX, GC Services sent the U.S. Department of Education an apology that acknowledged an error on their behalf in processing my payments. I spoke to the U.S. Department of Education on XX/XX/XXXX regarding the status of my loans and the negligence of GC Services. They confirmed that although my account was sent back to them by GC services for delinquency in XX/XX/XXXX that the Department of Education would not have notified me of the default at that time because they originally notified me back in XX/XX/XXXX when it initially went into default. I was advised that my only option at this point, as GC Services is no longer the collecting agency, is to request a hearing with the U.S. Department of Education and forward them all of the documentation I have saved from GC Services. While I was unaware that GC Services had falsely reported me as delinquent to the Department of Education, my credit has been impacted negatively and I am accruing delinquent charges and extra interest on my loans.
07/14/2015	Yes	Debt collection Other (i.e. phone, health club, etc.)	Cont'd attempts collect debt not owed Debt is not mine	TX 78574	Web
Last year, I began receiving fraudulent electricity bills at my address with my name and address from XXXX XXXX for a service address in a different city over XXXX hours away from where I live. I repeatedly called XXXX to try to resolve this problem but was brushed off and lied to. I spoke with customer service agents, fraud department, billing and collections and even the office of the CEO. I was told over and over again that there was nothing I could do because I was not listed as an authorized user of the account. They said I should not worry because they had another party listed as the account holder. They could not or would not look into or explain how my name had been linked to this account. I asked for my name and address to be removed from the account but was told I could not because I was not an authorized user of the account. I was assured that there would be no repercussions and that my name did not even show up on the main account information page. XXXX refused to investigate, refused to accept a dispute, refused to take a complaint over repeated calls for months. Finally, the account became delinquent and we began to receive notices from XXXX and then from a debt collection company. I immediately contacted the debt collection company, who were helpful. They told me that XXXX had sent them the account with only my name and address, despite the fact that XXXX had told me over and over that I was not responsible for the account and could not make any changes and that there was another person name listed as primary responsible party for the debt. In short, despite all of this, when the account became delinquent I was the XXXX held responsible for the debt. They also told me I needed to and was entitled to file a dispute with XXXX. I called XXXX to confront them with this information and threaten legal action through a complaint to the PUB. In response, XXXX now, finally, claims to be taking action to clear my name, remove my address from the account and send a cease collection notice to the debt collection company. I have yet to see proof of this, and they do not intend to send me any proof. I fear that this negligence and incompetence on their part will end with me having to pay a debt that is not mine in order to clear the record of this bogus debt now associated with my name and address. And even if they have taken action to correct this fiasco, I can not forgive the months of incompetence that preceded it. I want to reiterate that at this time, GC Services collection company is NOT in any way responsible for this, as they explained to me that XXXX sent the wrong information to them. I hope this will continue to be the case.
07/15/2016	Yes	Student loan Federal student loan servicing	Dealing with my lender or servicer Don't agree with fees charged	MA 01602	Web
I always saw my son growing up with as a stellar career in the future. He was and still is very brilliant and unique. As a young child, he was very interested in XXXX, therefore ; when he graduated high school, he wanted to pursue to have a XXXX XXXX in the XXXX field. After 2 years of hard work and dedication, my son graduated from a promising XXXX XXXX XXXX in XXXX, MA ( Honors : XXXX ) with an XXXX XXXX in XXXX. I was very proud of him and mostly importantly happy that my son was fulfilling and living his dream. The school was highly expensive but My son and I were assured by the Financial Department, Career Advisors, Professors and The Dean of College ; my son would lend a profitable job and career soon after graduation. My son has always been curious for education, with my help, we took Federal Student Loans ( Parent Plus Loan ) to help pay for his " promising school '' tuition. After graduating with an XXXX XXXX in XXXX, my son realized moving to XXXX and continuing his education to receive a XXXX XXXX at a reputable XXXX XXXX was the next chapter. Since College Education is extremely expensive, we had no choice but to take additional Federal Loans to pay for my son 's school in XXXX. While in school, My son excelled in XXXX to be exact, to having a XXXX complimenting his unique sense of presence. We were very naive. We truly believed if my son gave his best ( which he did by being top of his class with a XXXX XXXX XXXX in XXXX ) after graduation from a recognizable and reputable school, he would lend a steady job. As a mom, there no other moment like seeing your son graduating from College. I was so very proud of him. After my son achieved his goal, we then realized Jobs in XXXX are very scarce and low paying. we took out massive loans only to realize I will be stuck in a " Debt Bubble '' for the rest of my life. A Parent Plus Loan makes me responsible for all the loans my son and I took during his college years. Unfortunately, my son has n't landed a job for more than 3 years after graduation. He truly had a hard time landing a job. As for me, I do not make enough to pay off his loans, therefore ; I am always harassed by Collection Companies. I have an issue with the federal loans my son and I took out but what i 'm frustrated with is that Collection Agencies raised the interest rates up to 400 % of the loan taken. I sometimes can believe my eyes when I look at my bills. The fact that I will never be able to make enough money to pay off my sons school federal loans is disheartening and depressing. Today, my son is working in a total different field from XXXX and unfortunately, his school degrees have never been useful.
11/05/2020	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt was already discharged in bankruptcy and is no longer owed	MN 55113	Web
My attorney filed Bankruptcy on my behalf on XXXX XXXX which was discharged on XX/XX/XXXX. The attorney contacted XXXX XXXX with this information as they were included in my Bankruptcy discharge as one of the creditors. However, XXXX XXXX, continued to send me bills on the third of each month long after the Bankruptcy filing and Discharge. The attorney reached out to XXXX XXXX on XX/XX/XXXX, via a typed letter, asking for all payment attempts to cease and reminded the company that what they continue to do is a violation of the stay and may be actionable pursuant to XXXX XXXX k ) or as contempt of court if they persist. I visited the XXXX XXXX store on XX/XX/XXXX and I spoke with XXXX XXXX who was a XXXX Consultant and provided me with a ticket number and said that I would receive a call from XXXX XXXX " Legal Team ''. I provided my bankruptcy case number and I received ticket number : XXXX. This was supposed to clear up everything since my bankruptcy was filed but that did not happen. Moreover, I returned to the XXXX XXXX store, on XX/XX/XXXX, to surrender the XXXX XXXX XXXX and to get an update on the continued billing situation after my bankruptcy filing. I worked with XXXX XXXX who is a XXXX Consultant. I provided my bankruptcy case number information to the representative but was told that they could not accept the XXXX XXXX XXXX because it was damaged, and the return period had passed. I explained that this was not a traditional return but equipment that I had wished to return because it was included in my bankruptcy filing. This didn't make any difference and the phone was not accepted. I received ticket number : XXXX on this visit to the store. I continued to receive bills that grew larger each month although I was not using any XXXX XXXX services. Ultimately, I received a letter dated XX/XX/XXXX from XXXX XXXX an account representative for GS Services, a collection agency, which is in XXXX, Texas. This letter was sent on behalf of XXXX XXXX. The letter states that I currently have an overdue balance of {$580.00}. XXXX XXXX has continued to bill me each month although my bankruptcy was filed and then discharged. I continued to receive bills each month from XXXX XXXX although any monies owed were included in the Chapter XXXX Bankruptcy filing and the debt owed was discharged. XXXX XXXX has continued to bill me each month for cell phone service that I have not used, consequently, the bills grew larger, so each month a bill would be even more money than the previous month even after my cell phone account was switched over to a completely different wireless provider.
11/23/2020	Yes	Debt collection Credit card debt	Written notification about debt Didn't receive notice of right to dispute	MA 02301	Web
Hi XXXXXXXX ; how are you? I just got off the phone with your representatives and it looks like that the account was transferred to GC SERVICES, but i was never informed and it's not even reflecting on my credit report who to contact. When i called your company and XXXX recovery team, they stated that i have to call different company which is not listed on my credit report. Please delete! I've attempted several times to ratify the issue with the original creditors and credit bureaus and they still reporting inaccurate, unverifiable information. I have disputed this item with the credit reporting agency and they reported you confirmed the account as valid. I honestly do not believe to ever have any relationship with this collection agency or original creditor. Also there are several inaccuracies with this account the way it's reporting and that's a total violation of FCRA and FDCPA laws and regulations. In a good faith effort to resolve the matter amicably, I must demand proof of this debt, specifically the alleged contract or other instrument bearing my signature, as well as proof of your authority in this matter. Absent such proof, you must correct any erroneous reports of this past debt as mine. I am writing to request that you please provide the following information : 1. Please evidence your authorization under 15 USC 1692 ( e ) and 15 USC 1692 ( f ) in this alleged matter. 2. What is your authorization of law for your collection of information? 3. What is your authorization of law for your collection of this alleged debt? 4. Please evidence your authorization to do business or operate in this state. 5. Please evidence proof of the alleged debt, including the alleged contract or other instrument bearing my signature. 6. Please provide a complete account history, including any charges added for collection activity. You have 30 days upon receipt of this letter to provide strict proof of contract. In the event you can not provide strict proof of contract, you must cease and desist any and all collection efforts and immediately remove any derogatory information reported to the consumer reporting agencies. In addition, you will need to provide me your agreement, in writing, that you are closing your file, ceasing collecting activity, and deleting all information related to this reference number from any and all credit reports youve furnished the information to. In the event you transfer this account to an attorney without providing proof of contract, and proving your claim, he/she will be immediate reported to the XXXX XXXX XXXX and XXXX XXXX XXXX for code of ethics violations.
03/11/2019	Yes	Debt collection Federal student loan debt	False statements or representation Impersonated attorney, law enforcement, or government official	TX 77083	Web
On XX/XX/XXXX GC Services, a collection Agent for XXXX, misrepresented themselves by identifying themselves as US Department of Education and offset by tax of {$3300.00} without Court Order. This alleged debt was a Federal Student Loan that was paid off but had been manipulated to create the current debt and was assigned to GC Services for collection. Seeing the suspicious manipulation on the letter from the US Dept. of Treasury, I decided to dispute the Offset with the US Dept. of Education Ombudsman Group. The US Dept. of Education Ombudsman group showed that they did not offset my tax but said that XXXX has the ability to garnished and certified my tax for Treasury Offset ( TOP ). But the Law requires XXXX to offset my tax only with a court order and XXXX does not have the court order. GC Services, XXXX 's Collection Agent, does not have court order required to offset my tax either, buit decided to misrepresent themselves as US Dept. of Education to offset and take my money in Bad Faith. I also found out that the US Dept. of Education also need court order to Offset this alleged debt because it was and is still disputed. According to the law US DOE can only Offset on undisputed debt without court order. This alleged debt had been disputed many times from XX/XX/XXXX but was never verified and never validated on collection accounts. I also disputed this alleged debt with GC Services when I received their collection letter, dated XX/XX/XXXX, in the mail. I asked for the validation of the debt as required by Texas Debt Validation process on XX/XX/XXXX but GC Services never validated the debt but continued to pursued collection action and still reporting the debt on my credit record in violation of the FDCPA. Returned certified mail confirmation showed GC Services received my dispute letter but never responded and never validated the alleged debt but decided to misrepresent themselves to offset my {$3300.00} and take my money in Bad Faith. The US Dept. of Treasury had said that only the person named in 'who do I owe ' can be able to remove, change and refund the money collected through this falsified Treasury Offset process. But the US Dept of Treasury had failed to identify the real certifying agent of this Offset. Therefore TOP Trace # : XXXX was certified in violation of the Federal Debt collection Act and has to be nullified and my money return to me. I am also requesting that my information be removed from TOP data base in accordance with the Federal Debt Collection Act due to misrepresentation by GC Services, the certified agent.
10/20/2017	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Problem with a credit reporting company's investigation into an existing problem Difficulty submitting a dispute or getting information about a dispute over the phone	MA 019XX	Web
I just discovered this yesterday : My credit report shows a XXXX address ; lifelong XXXX resident. Student loans from XXXX that I was trying to make good on through the XXXX, were transferred to service provider GC Services. They made XXXX successful attempts to contact me declaring themselves the owner of my loan ; thought they were picked up by XXXX with the rest of my loans ... I was wrong. XXXX address was garnered by GC Services via XXXX XXXX XXXX XXXX no need to skip trace me ... still at same address ). The address was adopted to my credit report and thus adopted by my XXXX XXXX XXXX XXXX, XXXX account and still learning more ... XXXX is a function of XXXX. The address was added to my XXXX credit report XXXX/XXXX/XXXX by XXXX XXXX XXXX XXXX XXXX XXXX collected from XXXX, a division of XXXX XXXX XXXX XXXX XXXX XXXX XXXX gave the information to XXXX They act like I am talking about area XXXX when I bring up XXXX. There was absolutely no reason to skip trace and/or change my address. This is systemic problem that occurs too frequently with full plausible deniability on the loan servicers ' part. They just send the bill to the wrong address and tell me it is my responsibility to keep my address up to date with the XXXX. It was until they changed it ... ..XXXX admitted to the practice of providing information that XXXX not be accurate and provides full disclaimer and disclosure that the information they provide is to be used at the risk of the user, that would be GC Services in this case. The scam is this : the student loan contracted by XXXX makes a singular attempt to reach the owner of newly acquired loans XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. they barely satisfy the minimum requirement to inform the consumer of their new responsibility that is not a choice BTW. The default happens soo fast and they ca n't wait to sell you a rehabilitation plan that they get paid a commission upon successful completion. This serves as an economic engine of millions of students making 'rehab ' payments and tacking on fees and interest. All the while, the loan service ca n't wait to reset the clock if miss a penny. My first conversation with XXXX several years ago and XXXX XXXX yesterday was " who are you? '' ... '' we own your loan, its in default, would you like a rehabilitation plan? ". The opportunity to pay the loan on time is often so obscure and this is on purpose. This is a very well ingrained scam where everyone but the consumer is getting a cut. I look forward to your response. Thank you
01/13/2016	Yes	Debt collection Other (i.e. phone, health club, etc.)	Disclosure verification of debt Not given enough info to verify debt	VA 233XX	Web
I received 2 phone calls in the moth of XXXX for a company titled GNC. ( I think that is the name never received anything in writing ) When I asked what was it in reference to they would not give me any info stating I had to verify who I was first. I said to them, I just confirmed my name but I will not give you my address or DOB and I do n't know who you are. I even asked for a website. Nothing given so I politely asked not to be contacted by phone but to send correspondence by mail. In XXXX I received a hit on my credit report for a collections from XXXX. Long story about this with sprint I will explain at the end. I called XXXX to ask why I was sent to collections when they had just corrected my bill to the right amount the beginning of XXXX. I was told by sprint my account was at a different office and given a number to contact them. I called the number provided XXXX and low and behold it was GNC or whatever their name is. I asked to speak with a supervisor received a call back and she proceeds to tell me there is nothing she can do and ironic her office tried to contact me but I refused to give information. I told her is it normal for a representative to call and not verify who or why they are calling. I told her if they said they were calling on behalf of XXXX I would have been more inclined to talk. The manager tells me they have to protect their clients privacy. What about my privacy ... That was stupid right there. So I then asked her ok this is more trouble than it 's worth. If I pay it will this be removed she proceeds to tell me no. They will just report it as paid in full. First I was unfairly sent to collections and then you wont remove it. " Now on to how we got here '' I canceled my service with sprint on XXXX/XXXX/15 and they sent me to collections on XXXX/XXXX/15. In that time sprint had sent me a bill for {$1400.00} which was {$600.00} over what I owed. I called sprint numerous time to correct this and spoke to numerous representatives. Finally on XXXX/XXXX/15 it was corrected to what I truly owed which was {$730.00} but on the same day they sent It to collections. I never even received an adjusted statement to be given an opportunity to set up the correct payment. I called Sprint 6 times today and no one was willing to fix this problem. I have been totally railroaded by XXXX and the collection company. I had no problems paying what I owed but I wanted a correct statement. XXXX also never gave me credit for my original phone that I turned in so I am very XXXX off at this point.
10/25/2018	Yes	Debt collection Federal student loan debt	False statements or representation Attempted to collect wrong amount	FL 32746	Web
My XXXX check is being garnished at over {$120.00} a month. GC Services contacted me numerous times, illegally, after I informed them to do not call me. In XX/XX/2018, I contacted GC Services to see what I could do to stop the garnishment. I was informed that if I made voluntary payments ( 9 ) then it would bring my loans out of default status. I agreed and set up an auto payment for {$5.00} monthly from XXXX until XXXX. Then after the payment in XXXX was completed someone would contact me to set up a new servicer for my loans and my loans would be out of default. Now, here it is XXXX, and I contacted them because I had not heard from anyone, as of XX/XX/2018. At that time I was informed that for some " unknown " reason the last payment they had received was XX/XX/XXXX. She told me that in order to " fix '' this situation I would need to make 2 payments to catch up. Then a payment at the end of XXXX. At this point my contractual obligation would be fulfilled. I agreed to those terms and set up the auto payments once again. One was taken on the XXXX of XXXX one was taken out on the XXXX of XXXX. Then, ONE should have been taken out 2 -3 weeks later. However, when I checked with the bank a total of 5 payments of {$5.00} was taken from my account. Not only should this have completely satisfied my agreement with GC Services, but they would have also owed me monies back. Upon seeing this I contacted GC Services, and spoke with a manager. I was informed that I still had 2 payments to be made. They said that my XXXX payment was in deferment. That the first 2 payments were applied to XXXX and XXXX payments. Now, there was still the situation with the OTHER 3 payments that was taken out of my account. That should have covered XXXX payment, and they should have to refund me the additional 2 payments that I did not agree to, and my contract was fulfilled at this time. However, I was told that, I am still in default, i still owe until XXXX of 2018. They can not give me a reason why my auto payments were stopped, nor can they apply the payments to my signed agreement. That the money was apparently applied to principal. I live on a small XXXX check monthly, and that additional money that now is just gone, means the difference of me eating for the month or not. I am being reprimanded for this companies mistake, and They did not uphold their end of the contract. Now I am the one to not only uphold my end of the contract, but also being tripled charged when I did not agree to that. This is blatant fraud.
04/22/2016	Yes	Debt collection I do not know	Communication tactics Frequent or repeated calls	CA 90027	Web
I have so far received 3 phone calls at my work from " GC Services '' while the numbers have been different each time the latest number they called me on was " XXXX ''. Every number has been a XXXX XXXX area code. Every call has been asking to verify my name. I do NOT owe any money or have had any traffic violations. I have confirmed with the XXXX DMV that this is true as well as have received 0 letters in the mail regarding any past due payments so I know that I am okay. Please find a log of the inappropriate phone calls below : 1. A week ago, time not known, first call, Ladys Voice I answered my work phone, was asked if this was NAME, said yes, who is this. They said they were calling for " personal business matters and if i verified my social I could receive more info ''. I asked how they got this number and they said " from my HR rep '', I asked what was that name and they gave me a incorrect name. I told them that was not correct and asked again what this was regarding. They told me " Something to do with withheld admin wages and i need to verify who i am before they say more ''. I told them I would not verify anything and asked again how they got this number. They told me " my social was active in the area and if I gave them more info they could help ''. I told them no, they asked if my bday was XXXX XXXX, XXXX ( WAY WRONG ). I said do n't call here again and hung up. 2. XXXX/XXXX/XXXX, XXXX XXXX, Second Call, Mens Voice I answered the phone and was immediately asked if " NAME '' was employed there. I said I was not allowed to disclose that information. I was asked again if NAME works there because they needed to reach them regarding a " personal payment matter ''. I said take this number off your call list and do n't call again. 3. XXXX, XXXX XXXX, Third Call, Mans Voice I answered the phone and was again asked if NAME worked there. I asked the man what this was regarding and where he was calling from. He told me he needed information before he could disclose that and that is was regarding Credit Card payments. I said this is the wrong number and hung up but noted down the number and called back on a different phone number and found it was a company called " G.C. Services ''. I have now been called 3 times at my place of work. Every time has been for a " different reason '' but all with the same goal of getting information from me. This is embarrassing to have happen in front of my coworkers and boss when I have done nothing wrong. Please stop this harassment immediately.
03/13/2017	Yes	Debt collection Other (i.e. phone, health club, etc.)	Disclosure verification of debt Not given enough info to verify debt	NY 11432	Web
i received a communication by mail from gc services in XX/XX/2016 dates XX/XX/2016 stating they are a debt collection agency and an account with sprint for celluar services is now in collections and transfered to this debt collection agency to collect on XXXX behalf. i mailed back a request asking them to first verify that i owe gc services this money because i had just recieved my last bill in the maila few days after receiving this communication from gc services stating that my bill was due on XX/XX/2016 .how can i owe this bill to XXXX directly and also to a debt collection agency at the same time .i switched from XXXX to XXXX on XX/XX/2016 so it is odd and i dont think this is normal practice that not even a month later before i can even get my final bill in the mail from XXXX my account is already with a collection agaency gc services, especially when the due date on the bill i received from XXXX was the XX/XX/2016 which has not passed before already receiving communication from a third party debt collection agency i sent letters out to the debt collection agency gc services twice requesting the following : 1 ) a valid copy of the original signed contract with the original creditor ; 2 ) a valid copy of the original statements from the original creditor showing the balance amount of the debt owing ; 3 ) a letter from the original creditor to GC Services Limited Partnership that grants GC Services Limited Partnership the authority to legally collect on the debt ; 4 ) proper and complete written notice concerning the debt ; 5 ) valid proof from the original creditor of my clear consent to disclose my personal and business information to your agency a third party ; and XXXX ) a valid GC Services Limited Partnership collector 's license and the collection agent named XXXX valid collector 's license for the for the state of New york XXXX the only thing they have sent me back in return is the bill that i receive in the mail from XXXX and an agreement from XXXX for cellular service. then shortly thereafter my last letter to them on XX/XX/2016 they have not responded to me i was disputing this debt therefore it should have not been reported but they still unfairly reported me to all three credit bureaus as a collection account in XX/XX/2016 .these practices are unfair they blantly ignored my request and spoiled my credit by reporting me to the bureaus. i would like a full investigation as to these practices as i dont feel it was fair and they have broken some rules of the FDCPA.
12/31/2016	Yes	Debt collection Credit card	Improper contact or sharing of info Talked to a third party about my debt	VA 20165	Web
Re : GC Services Limited Partnership ( XXXX, XXXX ) I received a letter about assistance with debt repayment and called to inquire. I was traded from one person to another taking a significant amount of time so I ultimately ended the call. I personally had no additional interaction with GC Services after the above call. XX/XX/XXXX my Uncle who lives in XXXX called me saying that he had received multiple voice messages from GC Services ( XXXX XXXX? ) leaving his phone number and saying that he needed to get in touch with me. Upon calling GC Services, I learned that it is a debt collector calling about a credit card outstanding balance. When I questioned their tactic of contacting and leaving messages with my uncle for me to call them I was met with indifference and basically contempt for the fact that I would even question their methods. Thereafter, I was pressed by the GC Services representative to get into a settlement or be left paying the entire balance. My concerns : ( 1 ) The sneaky and questionable tactics they used to reach me ( leaving messages with my uncle w/o disclosing why they wanted me to call them ). ( 2 ) My uncle is no where included as a co-guarantor or contact on the card, so obliviously GC Service searched for any random family member sharing the same last name as a method for getting me to call them. ( 3 ) Leaving messages on my Uncle 's voice machines saying for me to call them. ( 4 ) How many other family members did they randomly call? ( 5 ) I have to assume that it would be obvious to my Uncle ( or any person to get such a message ) why someone like GC Services would be calling and leaving messages like this. By extension, in trying to get me to call them, they were in effect violating my own personal privacy. ( 6 ) The indifference shown by the representative when I raised the issue of the tactics used to get me to call them. ( 7 ) The pressure excerpted on the call to get me to agree to a settlement or else face paying the total amount. This is the first time that I have had to deal with debt collectors and it is due to the loss of a family member and being out of work. What I experienced with GC Services was exactly what I think of when I image the stereotype of a " Debt Collector. '' Questionable border-line unethical tactics and pressure to conduct their business. Thank you for reviewing my compliant. GC Services should be monitored moving forward for the manner in which they conduct their business.
03/30/2016	Yes	Student loan Federal student loan servicing	Dealing with my lender or servicer Having problems with customer service	FL 34219	Web
To whom this concern, Due to financial constraints I found myself in default on XXXX student loans ( administered by XXXX different loan servicers. In months that followed, I entered into student loan default rehabilitation on XXXX loans ( Account # XXXX - {$130000.00} & Account # XXXX - {$57000.00} ) with GC Services. Less than a month later the third loan servicer ( Florida Department of Education ) initiated administrative wage garnishment through my employer. I sent the appropriate the documentation to GC Services via certified receipt mail and all receipts were signed and returned. To this date, even after all requested documentation has been provided often times repeatedly, GC Services insists on increasing my monthly rehabilitation loan payments more than 8 months into rehabilitation because they will not acknowledge documentation that I have already sent ( e.g., Form XXXX - Child and Dependent Care Form, pay stubs, etc. ). In fact they will not acknowledge the fact that my wages are now being garnished and they will not acknowledge the expense tied to the other rehabilitation loan, which is being serviced by their own company. In addition, they have refused to accept IRS Form XXXX from my 2014 tax filing and a copy of the document provided by my son 's care care providers as evidence of my dependent expenses. They are insisting on yet another document with company letterhead as a receipt for payments received for services rendered. It is my belief that this particular request is merely a plow to harass to pressure me into agreeing to pay more than what I agreed to when I entered into rehabilitation. Since I am earning significantly less due to wage garnishment then when I entered into the agreement, I would expect that they would lower my monthly payment obligation rather than try to use any excuse to raise them. I have always intended to repay my student loans, however, circumstances beyond my control have inhibited this endeavor. Rather, I must stipulate that GC Services in engaging in predatory and unethical practices to secure higher payments which has put me into position where it may compromise my ability to successfully complete loan rehabilitation and cause further damage to my family 's financial standing to include the ability to meet our financial obligations ( mortgage, car payments, daycare, etc. ). Please provide whatever assistance you can provide to help remedy this issue. Thank you. Respectfully, XXXX XXXX XXXX, XXXX.
10/14/2021	Yes	Debt collection Other debt	Written notification about debt Didn't receive notice of right to dispute	MD 20850	Web
On XXXX, I had received an alert through my credit monitoring that there was a new collection account reported. I immediately checked on this alert to find that a collection with an open date of XX/XX/2021 reported to all three credit bureaus for the first time. This came as a shock to me for several reasons. I've been in the process of purchasing a newly built home and have opened each and every piece of mail I've received since going under contract at the beginning of the year. I also am signed up with informed delivery through the XXXX which provides me with a daily scanned image of what's being delivered in my mailbox each day. I immediately knew this was going to be a financial and emotional challenge since my loan officer needed to update my final credit report to close on my home. The new collection has now disqualified me for the program I qualified for in which I could afford. This is turn has jeopardized my XXXX deposit on hand with the new home builder and placed me in a position where my child and I dont have a place to move to since my current rental has already been rented out. I had contacted XXXX directly to inquire on the debt. The only correct piece of information that they had for my account was my name. Any correspondence was sent to the address where service was held many years ago. The information provided didnt bode well with me based on dates of service and date of last bill and last payment made. I inquired on paying them in full in exchange for them instructing their hired collection agency to retract the debt. She informed me that they cant do that ; however, if I call collection company, they can help. I then called the collection agency and they too had no correct contact info. They didnt have a correct number to call me at and they mailed one debt notification to an incorrect address ( which allegedly wasnt returned ). I stated that I was willing to pay them in full in exchange for a deletion and was told theyd only report it as paid in full. This is completely unfair as I never was given any opportunity to validate the debt or rectify the situation. I had to learn about it based on an alert stating I had a new collection. I cant face telling my son that his XXXX present of having his own home, a determination Ive worked so hard on getting him as a single mother, was taken away from us, and that he will need to change schools since there isnt anything affordable to rent where hes been established.
04/17/2016	Yes	Student loan Federal student loan servicing	Dealing with my lender or servicer Trouble with how payments are handled	PA 156XX	Web
I do n't know how many times I have to explain this. I entered into a repayment schedule with GC Services back in XXXX XXXX. I was told that I needed to pay {$250.00} per month for 12 months in order to get out of default. I did that. It was at month 8 that I was told that I no longer needed to make any payments. When I inquired about stopping early I was told that I had fulfilled my requirement and no longer had to pay. I was told that I should be receiving my new contract in XXXX weeks. I did n't receive anything. XX/XX/XXXX I knew this was n't right and I continued the payments on my own, after several conversations with GC services telling me that the contract was on the way. Sometime in XX/XX/XXXX I get a call from GC Services telling me that I owed more money on top of what I had been paying. I asked for the amount, they gave it to me. I asked how they arrived at this amount. There was no explanation, I was told to just pay it. Since this was an addition to the contract I had signed, I asked for another contract. I was told that I was n't going to get one. I just needed to pay. I told them that I would not give any more money until I received an updated contact. Then the garnishment began. When I had questions I was told that there was nothing that I could do and that I would be garnished and that if I wanted to get out of garnishment that I would have to pay an additional fee on top of what was being taken out of my pay. When I asked where the money went that I had been paying. I was told that there was no such money ever paid. I got the cancelled checks. In the last 7 years I have paid well in excess of XXXX! What the loan was worth. The Ombudsman is a joke. I have tried many times to get back into the program and work with GC services. It is always the same we want your money first and then we will send you the contract. There is nowhere else in this economy that you are required to pay up front in order to get a contact. Criminals have more due process than a person trying to pay off their students loans. I and many others have been left without due process. I have told this story many times. The only reason why you are getting it again is because I have received an e-mail from your organization. If they really want to garnish people they should garnish both interest and principal so that people could have the loan paid off in 7 years, instead of offering people up as sacrifices for the dollar.
12/15/2017	Yes	Student loan Federal student loan servicing	Dealing with your lender or servicer Received bad information about your loan	PA 181XX	Web
I spoke with a representative and she did an analysis of expenses and quoted me a payment based on information I was asked verbally. She asked that I provide pertinent documented information originally quoted a verbal payment but used an calculation and was told after they received documents requested this could change. After providing information requested that they would send me letter stating payment I signed and dated the documents that came in much lower then the original quoted payment. I called to confirm that the new amount after receiving documents this would be my monthly payment which was about 40 or so less than I agreed signed the paper work called and confirmed receipt and verified payment. XXXX I received a letter dated XXXX and I called because the payment was my verbal payment not the payment agreed upon and my signature in signed documentation. Spoke with a representative name XXXX XXXX who told me that it would take 72 hrs to correct the descepency and my payment would be the verbal about this per XXXX I had an option to pay {$59.00} a month which was never relayed to me as an option. I agreed to pay the debt with my personal banking information and verified that the payment would now be the XXXX XXXX.aFter the signed and dated agreement Im trying after a major job setback to payoff old debt. I have been treated with such disrespect from the XXXX XXXX XXXX and his subordinate on Monday Ive asked him to review may previous call stating the the representative assure me my payment would now be XXXX dollars only two receive a notice by mail it would be the original XXXXafter review the my recorded call in in XXXX XXXX was unfair in his this company asked that you call to verify receipt of email document which was compeleted only to find that they took the original amount after threatening to garnish would be received. They did not stick to the original agreement and assessed monies they now say you have to call and arraigned a new payment but they never told you your original payment could be less than there system had calculated. XXXX also after I caller and that a representative assured me of payment And was told he would review on Monday and it is Thursday after speaking with him he seemed disconnect with an attitude they he even had to address this complaint without resolved they Are taking more out of my account they agreed upon and didnt even try rectify my concerns
06/25/2016	Yes	Debt collection Non-federal student loan	Disclosure verification of debt Not given enough info to verify debt	NJ 07071	Web
I had a few accounts with XXXX XXXX that were taken out during my XXXX studies between XXXX I have a few issues, one being that my identity was stolen and an ex friend stole my personal information and cosigned a loan verbally/electronically and I do not feel I should have to pay that specific loan but when I spoke to XXXX XXXX about this. They stated that it 's more or less my problem. Recently I 've been getting calls on my phone from XXXX stating that they are seeking to get payment for my navient student loans. I did not answer initially not knowing it was them. Then Wednesday my manager says that I have a call ( I work at XXXX ). I answer and it 's the same company XXXX. I asked them " why would you ever call my job and basically risk my job '' and her response was " we were trying to reach you by cell and you did n't answer '' I stated I no longer want calls to my job because I received a verbal warning from my employer for receiving a personal call. Out of fear of embarrassment I did n't state it was a debt collector. I called back later that day and discussed some options with them. One being buying the debt out for a percentage of the debt. I inquired with her if this " would cover all my navient debt or not '' and she stated she did n't know. So I asked how could she not know being navient sold her this debt and again her response left much to be desired. The sum I owed was in excess of {$6800.00} with the settlement being {$2500.00} and when I stated I make {$110.00} a week she said " you can always ask friends or family ''. The conversation ended soon after that. Yesterday I called them and asked for verification of the debt in writing as I do not want to pay {$2500.00} and in a few weeks have someone else claim to now own this debt. She stated once I pay they will send me the paperwork that states the " debt is paid off '' and I said that I refused to pay until there is something more tangible for me to ensure for my records prior to handing them a check that this is legitimate. And her reply was " you ca n't get what you want, this is how it goes ''. Something along those lines. To which I hung up. I want to do this the right way and between calling my job and then not providing any notice that they actually own my debt and this will make this debt go away aside from a phone conversation. I feel I do not have to pay them.
01/16/2016	Yes	Debt collection Federal student loan	Disclosure verification of debt Not given enough info to verify debt	MI 48092	Web
My students loans went into GC services as they defaulted while I made to little money to pay them and the private bank ones and my cost of living. I have changed my profession and working 7 days a week and for a year now been having it with GC Services. They wanted a payment plan I am paying them to the US National Payment Center for Dept of Educaiton. I never get a receipt, or any communications of any kind. I had to send in over a dozen email and letters to ask for Rehabilitation Processing and payment plan was set at {$170.00} a month based on my income reported and documented. I have been paying it always on time, even ahead and over the amount working lots of over time to make all due effect on this. I have NO communication of any kind. I get a letter from the US Dept of Education that they are charging a XXXX % commission on payments. So between their commission and then the interest on the amount now raised $ XXXX to $ XXXX on a $ XXXX original loan balance I am looking at not a cent is going to principle. I am trying to get out of default. I am asking both GC Services in emails, written letters in the mail and the US DOE the same and calls and told GC has all the cards here. Well in less then 90 days I am the 9 months of paying per the Rehabilation process. I have NO information of what are my duties, needs to do here, options, rights? Reciepts, what are my tax deduction for filing in 2015 on this in the XXXX digits. No idea if I am getting my tax refund this year or is GC going to seize that before Rehabiliation 9 months ends. What do I owe once that process is out of default? What do I need to do when to get out of default with less then 90 days left till kept payemnts to the agreement and then some? Who then owns my payment and the regulations? Do I still owe XXXX % commissions to GC then or are these dropped? I want to know where I stand on my 2015 tax return. Want to know what forms I need to file my taxes with the interest deductions they are I am assuming required to provide and when by? Having some written information from GC Services on these matters would help me understand my rights, process and how to end being in default when I have meet the agreement. Do I have fees after I am out of default or just the interest as the original loans were taken out as the additional to the principle?
01/31/2023	Yes	Debt collection Credit card debt	Communication tactics Frequent or repeated calls	TX XXXXX	Web
I was contacted by GC Services Corporation, XXXX XXXX XXXX XXXX XXXX, XXXX XXXXXXXX, United States about a Personal Loan Account with XXXX XXXXXXXX XXXX XXXX located at XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX in the amount of {$3200.00}. There were repeated calls from a number that was not identifiable, and I finally called back. I spoke with an XXXX XXXX, who identified herself as being with GC Services Corporation - calling in regards to my XXXX account - she wanted me to give her personal information. When I would only provide the year of my birth- she wouldnt divulge any further information. She wanted my home address in " XXXX, XXXX " This is in direct violation of the XXXX contract. At no times can an Agent of XXXX give any portion of the members Personal Identifyable Information- which includes name, any portion of the full mailing address, or Social Security Number. By providing me the City in which I live, the agent violated my rights as a proud member of the XXXX family. I confirmed these rights as soon as I hung up with XXXX XXXX with a member of the XXXX Staff and asked him to document my file accordingly. I have fallen into very difficult times- which XXXX is keenly aware, as I have multiple accounts with them. In addition, I was a XXXX XXXXXXXX XXXX XXXX XXXX XXXX, and am very aware of the FDCPA, and of the privacy laws that the industry is governed by. Just because GC Services has loosened THEIR standards, it does not change the fact that my rights were violated, and XXXX 's policies were not administered correctly by the agent. I am very seriously considering taking legal action at this point with my attorney, as this can not possibly be a random act by either this agent- or the company. I strongly suggest that XXXX request every call from this agent for call monitoring, and from the group that handles these accounts as well - as management must have grown lax for such a privacy breach like this to occur. I am open to negotiating a settlement of this matter before legal action takes place - either XXXX or a member GC Services management or legal team can contact me in writing at : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX or by phone at XXXX XXXX you must leave a message please, or call form a published number that identifies you - i will not answer blocked or private numbers.
12/24/2017	Yes	Debt collection Other debt	Took or threatened to take negative or legal action Threatened or suggested your credit would be damaged	TX 77099	Web
Dear Sir/Madam We received your collections letter dated XX/XX/XXXX. We had got the service from XXXX back in XX/XX/XXXXfrom XXXX XXXX we were assured that the service in XXXX would be superb and if not satisfied we could return everything back online iwithin 14 days for a full refund. Upon arriving in XXXX, XXXX the service was extremely poor. We called customer service on the 13th day and were asked to return all the equipment the nearest XXXX store which we did and asked the person there to cancel everything one of the phones we didnt have the box a XXXX phone so we decided to pay for the phone. He accepted everything and asked him also to cancel the service and we had also asked the customer service rep at XXXX to Cancel the account. We paid what we used and called it quits. Couple weeks later we receive a bill and I went to a XXXX store spoke to a rep who asked me to call th toll free number to inquire and were told the account was cancelled but there was an outstanding again I paid like XXXX $ on XX/XX/XXXX and was told no other outstanding. By this time I had already spent 10 manly hours calling the toll free number and visiting XXXX stores back and forth. Suorisingly a month later I get another bill so I make a call to XXXX where I was told I would get a call back in 24 hours after waiting for 1 hour talking to several CSRs but no one called me back. Once again we called about 4 times and visited the XXXX store 3 times and every customer care rep said that in the system it clearly says that we had said to stop thyou account then why was one number still not cancelled my question is how do I know what th CSR puts in the system and that one line was never used but we were getting billed fo when w had requested to cancel the account. Every time I was told that my bill would be adjusted and there would be no more payment that would be needed to pay but I kept on getting a bill after when that account was cancelled. I have seen this practice by XXXX and a lot of people have complained regarding this in the past. I am forwarding this email to my lawyer also for malpractice and the FCC. Kindly go their system where you will see how many we called after that now the bill from XXXX to XXXXand finally XXXX. Thanking you XXXX XXXX
09/13/2017	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt was result of identity theft	IL 60025	Web
After receiving a credit alert from XXXX XXXX, I noticed a collection account, from GC Service 's Limited Partnership, that was posted on my credit report. I immediately wrote them a letter disputing it. I have not received any responses from the letters I mailed GC Services Limited Partnership, but I did receive a fraudulent XXXX Statement from XXXX XXXX, who supposedly conducted the investigation, which they changed the mailing address on an account I never opened only because I opened a complaint with the Better Business Bureau. I noticed this because my name was misspelled, or missing a letter, then immediately noticed the address which is my address. I called them on the phone and this is how they knew of my mailing address and they would not provide me the address that was listed on this account they claim I owe. So I believe they took down my information and switched up what was originally on file with XXXX so they can fraudulently claim I owe them money. Why have n't I received any mail before even reporting to the credit bureaus? I have never received anything from GC Services and I had to contact them myself in order to find out what this account was about. I then contacted XXXX who clearly stated that the address GC Service Limited Partnership claims to have on the statement they mailed me is incorrect and I asked XXXX to verify this by sending me a copy of what they did have on file or what they can mail me as proof and I received a statement totally different than what GC Services Limited Partnership sent me. GC Services Limited Partnership clearly provided me a fraudulent statement from XXXX by changing the address on the statement. Please see attached documents. I had no idea that Collection Agencies would go this far as I never had to deal with any before, but lucky me I have a friend that works for a Collection Agency and guided me on how to report bad companies like GC Services Limited Partnership. I hope I do not have to file a lawsuit, but most certainly will if GC Services Limited Partnership continues to report to my credit reports as I never authorized or gave GC Services Limited Partnership any permission to be or report on my credit reports and demand they remove this immediately and remove my name from their records.
06/16/2022	Yes	Debt collection Auto debt	Written notification about debt Didn't receive enough information to verify debt	TN 374XX	Web
I submitted a request for FULL VALIDATION of documents from GC services on alleged debt of which they only provided systematic VERIFICATION documentation. They did Not provide ALL actual validation documents as requested. Below is the Validation documentation missing. Below is what was originally requested : **DEBT VALIDATION LETTER** To Whom it May Concern : This letter is being sent to you in response to me regarding account # XXXX Be advised this is not a refusal to pay, but a notice sent pursuant to the Fair Debt Collection Practices Act, 15 USC 1692g stating your claim is disputed and *VALIDATIONis requested. This is NOT a request for " verification '' or proof of my mailing address, made pursuant to the above-named Title and Section. I again respectfully request your offices provide me VALIDATION with evidence that I have any legal obligation to pay you, including the following documentation : 1. Agreement with the creditor that authorizes you to collect on this alleged debt ; 2.The agreement bearing my signature stating that I have agreed to assume the debt ; 3.Valid copies of the debt agreement stating the amount of the debt and interest charges ; 4.Proof that the Statute of Limitations has not expired ; 5. Complete payment history on this account along with an accounting of all additional charges being assessed : Proof that you are licensed to collect in my state ; and 7. Your license numbers and Registered Agent. At this time, I will also inform you that if your offices have reported invalidated information to any of the 3 major credit bureaus ( XXXX, XXXX, or XXXX ) this action may constitute fraud under both Federal and State Laws. Due to this fact, if any negative mark is found on any of my credit reports by your company or the company that you represent, I will not hesitate in bringing legal action against you and your client for the following : Violation of the Fair Credit Reporting Act, Violation of the Fair Debt Collection Practices Act, and Defamation of Character. If your office fails to reply to this debt validation letter within thirty ( 30 ) days from the date of your receipt, all future attempts to collect on debt including excessive calling must cease, moreover credit report deletion. Sincerely, XXXX XXXX
03/14/2017	Yes	Student loan Federal student loan servicing	Dealing with my lender or servicer Received bad information about my loan	PA 19146	Web
I received a letter in XX/XX/XXXX that I owed a debt to the US department of education and if I did not pay it my wages would be garnished. I called the department of ed since I am now XXXX years old and graduated in XXXX. I was told that they did not have a record of selling or passing a loan to what was on the letter XXXX and that the loans where " charged off '' sometime ago. I had not heard from the department of ed in over 20 years so I dismissed the letter as a SCAM. I then received a letter in XXXX on the same letter head of the US department of ed but with the XXXX typed at the bottom that my wages would be garnished if I did not call their offices to arrange a payment plan. i dismissed that also knowing that they were trying to push me into a reloan. Now {$100.00} is being taken from my direct deposit EVERY week for over a month now. When I called GC services they did not have any information to give me but asked me did I want to know the procedure to stop the garnishments. They had not answer to the fact that I graduated over 20 years ago in XXXX and could not have a loan in XXXX. The representative ( with a person in the back coaching her ), said that they do n't know but the US departent of ed sent them the loan in XXXX. I told them that I talked to a rep from the US department of ed and they said the then loans that I did have were " charged off ''. I am a retired XXXX and XXXX and did not get ANY notice where this hearing was, Judge presiding, etc. that the company appeared at in MY ABSENCE without any representation. GC Services sent a letter to my employer to take money from my account for a loan that I never applied for or received. I have not had and communication with US department of ed for over 20 years and now my wages are being taken WEEKLY. Now I do n't even know what company originated this madness because there is the US department of ed on the letterhead, XXXX on the bottom of the pages, and GC Services number on the back of the pages. In one of the communications with XXXX I told the representative to show proof that I created the loan and she sent some documents with my signature CLEARLY cut out of another form and pasted onto the bottom of the forms she sent. PLEASE HELP
11/24/2020	Yes	Debt collection Other debt	False statements or representation Attempted to collect wrong amount	IL 61614	Web
XXXX XXXX is a part of XXXX it is a cell phone service that they establish within their company that people could use actively alongside with a cable and Internet service. However unfortunately XXXX does not offer payment arrangements split pay options they only require you to pay the full balance of your monthly service plan and any device payment agreements. I unfortunately got laid off of my job in XX/XX/2019. I immediately contacted XXXX between XXXX and XX/XX/2019. I spoke with supervisors managers customer service representatives who told me the same thing they answered no. They told me that I could switch to their {$15.00} for every 1 GB plan and just monitor my use, be around Wi-Fi consistently or turn off my phone whenever I wasnt on it -- which no one ever is actively thinking to turn their phone off on a consistent basis. I merely told them to cancel my service. They then told me that since I am doing that that they were going to charge me for my last service plan plus my remaining device payment balance and any other taxes surcharges and fees I said OK. The last statement which is reflected through XXXX XXXX shows a balance of only {$1000.00}. I dont know when I first received a letter in the mail from the collection service originally was sent to XXXX XXXX XXXX and they stated that my balance was {$1300.00}. It is now in the hands of GC services Limited partnership with the same balance XXXX. Where are they getting the other {$310.00}?!? If it was because it was sold off to a third-party collector I never received anything in the mail explaining why it accumulated to that amount. I just received hey you owe XXXX you have 30 days to dispute this letter otherwise were going to report it on your credit! Oh here are your options to pay the whole thing!! I think it is just beyond ludicrous that I did my due diligence in trying to set up payment arrangements, payment options so as to not get my service canceled and they wouldnt budge they wouldnt allow me to do that they wouldnt allow one exception and because of this I now have this huge debt which I didnt ask for which I tried to avoid like what type of system is this and then to put it on someones credit report?!?
07/13/2018	Yes	Debt collection Federal student loan debt	False statements or representation Attempted to collect wrong amount	GA 30126	Web
I have a student loan that has been in default for some time. Both GC Services Limited Partnership and the US Department of Education indicate to go to the XXXX website for up to date information on the balance and status of a student loan. On XX/XX/18, I went to the website, got the exact balance, and paid it off. I then contacted both the Department of Education and GC Services Limited to express that I had made the full payment, in the amount shown on the website of {$3800.00}. In discussion with the Department of Education and GC Services Limited, at no time was there any indication of further debt being owed, over and above what was on the website, and I was informed I should show a {$0.00} balance on my account within 3 - 5 days, per the Department of Education, and that it would take a few days longer for it to reflect the same with GC Services Limited. This morning, I went to the XXXX website to find that I did not have a {$0.00} balance, but a balance of over {$700.00} dollars showing. I made contact today, XX/XX/18, with the dispute resolution group at the Department of Education to express my concern, my disapproval, and my feeling of being both the victim of a bait and switch and defrauded, as there was ample opportunity for the website to have been made accurate prior to my payment, and, during the discussions with both groups after payment was made, to tell me if there was an issue. The individual at the Department of Education informed me her system shows over a {$900.00} balance still remaining due. To that end, the Department of Education is sending me a dispute form via snail mail, which will take 7 - 10 days to arrive, that I must then fill out and mail in to another address for processing, however, that will not stop interest from accruing. In my conversation today with the Department of Education I have laid out the requirement that the fees all be waived due to this being a misrepresentation on the website, which is clearly not something I maintain, making this a true bait and switch by this organization, especially since the Department of Education is also being given different, false, fraudulent information by the organization they've chosen to hire.
10/07/2022	Yes	Debt collection I do not know	Took or threatened to take negative or legal action Threatened to sue you for very old debt	MI 48197	Web	Servicemember
On XX/XX/, XXXX, from the number XXXX, GC Services Limited Partnership called my cell phone, without my prior permission, at an inconvenient time. Your employee informed me that the call was being recorded but failed to mention that GC Services is a debt collector and he was calling in an attempt to collect a debt. Your employee then proceeded to continuously ask me to verify my personal information. I declined several times explaining to him that I dont verify my personal information with people I dont know, but I did confirm my name. He explained that he had an urgent business matter that he needed to discuss but could not proceed without verification. Again, I declined to verify the information he provided and I was asked to please hold so that I could be transferred to a supervisor. When I spoke to the supervisor she introduced herself as XXXX XXXX and also proceeded to make several attempts to have me verify my personal information without first giving me the proper disclosures required by federal law. With each response I had to reiterate that I do not verify my personal information with people I do not know and I did not give GC Services permission to call my cell phone or have access to my personal information. The call was then disconnected. Your company made me aware that this call was recorded and the evidence of these violations will be present in that recording. The above violations to my consumer rights proceed additional violations of the Fair Debt Collection Practices Act that I suffered from your company in your written communication that I received XX/XX/XXXX via mail. I have sustained an additional 9 violations of the FDCPA, in conjunction with the potential of this being a fraudulent debt. GC Services is trying to claim an alleged debt that currently another debt collector, XXXX XXXX XXXX XXXX is attempting to collect. Your company has also threaten to sue and I am experiencing terrible XXXX XXXX that are agitating my XXXX and XXXX as a result of your communications with me. I am a XXXX veteran and I am a federally protected consumer and my rights have been contiguously violated ever since the initial communication by GC Services Limited Partnership.
04/10/2019	Yes	Debt collection Other debt	False statements or representation Attempted to collect wrong amount	AZ 853XX	Web
Ive made payment starting XX/XX/XXXX I paid XXXX and make check payments of XXXX on the XXXX of every month until XX/XX/XXXX of XXXX total, I also have paid XXXX my Previous phone company has paid to them. now I owe says XXXX is now owed. so today I get an email that says I owe XXXX and also say two different amounts says as a friendly reminder they will take out XXXX is scheduled for XX/XX/2019 so I called and ask if they can work with me one Representative said to call her back her name is XXXX XXXX XXXX to make payment arrangements so I called back and I got somebody else she told me I need to make the payment today or is going to my collection the full payment of {$510.00} so I told her I would call her back and she said shell be there at XXXX XXXX XXXX I called for the third Time and I got a man on the phone he says I need to make the payment today or its going to collections I cant make payment arrangements and needs to be {$510.00} so I told him the information I got needs to change the wording in my email showing that the only payment thats coming out is XXXX two different amounts are on my e mail they cant find this e mail they e mail they just keep saying I need to make this amount of XXXX Im willing to make a payment arrangement but theyre not willing to cooperate with me they keep giving me the run around I asked for a supervisor He tells me theres no supervisor visor available he also told me the prior women I talk to the two times Ive called or not available so Im not getting any information I need to work so I can for long my payment arrangement Im I just sold a home I just need a couple more weeks to make the full payment and theyre not willing to work with me I need them to reassure me that I making a payment of {$510.00} not any money taken out of my account on XXXX XXXX of {$630.00} thats with the paperwork since they need to fix this paperwork so I can make a proper payment Ive been making payments why cant they work with me Ive never made a late payment to these people the company is called GC service limited partnership my GC number XXXX I just cant pay XXXX today Ive been honest with them my house is being sold I can pay them just need the time.
04/19/2020	Yes	Debt collection Credit card debt	Attempts to collect debt not owed Debt was result of identity theft	CA 94568	Web
Starting in XX/XX/XXXX, I began disputing a XXXX XXXX Credit Card account with the credit bureaus. This account was fraudulently opened using my personal information. All required documentation was provided, including my FTC report and a copy of my ID to validate my personal information including my address. The CRA 's immediately blocked this fraudulent account and provided all information to XXXX XXXX per my request. XXXX XXXX sent me a letter on XX/XX/XXXX confirming they were investigating everything, and on XX/XX/XXXX they sent another letter confirming their investigation was complete and they concluded I am still responsible for the account. No documentation was provided. On XX/XX/XXXX I received a letter from XXXX XXXX, stating that my account was at risk of being referred to a collection agency. On XX/XX/XXXX I sent a letter to XXXX XXXX requesting reinvestigation, and reiterated that I am a victim of identity theft and requested all specific records and documentation from their investigation pursuant to Section 609 ( e ) of the Fair Credit Reporting Act. I made sure to include all required documentation to support my claim for identity theft, including 1. A copy of my drivers license & social security card 2. A completed and signed FTC Identity Theft Report. XXXX XXXX wrote back on XX/XX/XXXX with the exact same letter as what was sent on XX/XX/XXXX. Absolutely zero changes made, and no further documentation was provided. As of XX/XX/XXXX, I received my first communication from a debt collection agency named GC Services Limited Partnership. This agency made claim that the XXXX XXXX credit card account was referred to them. The actions taken and NOT taken by XXXX XXXX are a serious violation of the law. As a victim of Identity theft the law clearly states that once the proper documentation was provided to XXXX XXXX they are NOT supposed to sell or charge off the account. They did it anyway. AND they failed to provide ANY documentation in any of their communications to me to substantiate their investigation. Instead they provided their insight on what they think really happened when they KNOW that is NOT what the law requires them to do.
11/16/2018	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt was paid	LA 710XX	Web	Servicemember
In XXXX I began contacting XXXX in an attempt to resolve this issue. It took from XX/XX/XXXX until XX/XX/XXXX for my account to be found. At that time G C Services had acquired the account. They contacted me and we agreed on a settlement. I was to pay {$1000.00} immediately and then make two additional payments of {$550.00} on or about the XX/XX/XXXX and XX/XX/XXXX. All payments were to be drafted from my checking account. I was told that before any payments were deducted from my checking account I would receive a written notice. I was told if I needed to change the arrangement that I could call and do so. In XXXX I called to notify G C Services that I would need to change the arrangements due to the recent death of my husband. I explained that I would have to make smaller payments. We agreed that 4 payments of XXXX would be made biweekly. This way I would pay off the account in the same time frame. I spoke with a supervisor named XXXX XXXX who assured me that the changes would be made. The changes were not made. I was told that someone filed the forms incorrectly and so the changes were not made, but that I would be reimbursed for all overdraft fees. Mr. XXXX gave me his email address and asked me to email him verification of the overdrafts and they would reimburse me since it was their error. I did receive the reimbursement, but the issue was still not corrected. In XXXX the same thing happened. The amount of {$550.00} was taken from my account again. I did not receive prior notice either. I called back and spoke with Mr. XXXX, but the issue was not resolved. They would not remove the account nor would they give me credit for the payments made because the first payment had to be reimbursed. As I explained to Mr. XXXX I could not pay more than what I had already been out of unless they were going to reimburse me the overdraft fees that I had incurred yet again. I was told that there was nothing that could be done. As a direct result of the errors made by G C Services my credit score dropped ( I was unable to pay other bills timely because the funds were not there ), I was evicted because I had to pay my rent late and I almost lost my vehicle ;
08/19/2019	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt was paid	TX 75068	Web
OnXX/XX/XXXX, I noticed a collection for XXXX for an old XXXX account. I immediately contacted XXXX and was told the account was with a collections agency called GC Services. I contacted GC Services and paid the full amount of $XXXX which is what GC Services stated I owed. After the payment I was advised that the account was paid in full and that I would receive a paid in full letter.On XX/XX/XXXX, I received a letter from XXXX datedXX/XX/XXXX stating I owed more money. Another $XXXX. I contacted XXXX and advised that the I paid GC Services in full. They claim GC Services did not have the authority to negotiate the payment and therefore I owe them money. XXXX said I had to call GC SERVICES. So, I called GC Services and again they told me I am paid in full. XXXX is trying to extort money from me that I do not owe. They over billed me for two years and committed fraud by linking another account to the same phone number on my account. XX/XX/XXXX. Refused to end a lease because another phone was attached to a line on my account. I was unable to drop the line and was billed for a phone I never had.XX/XX/XXXXPartial credit given advised the other credit in XX/XX/XXXX. I disputed amount owed due to double billing. XX/XX/XXXX XXXX advised a credit of $XXXX for overbilling to post onXX/XX/XXXX. Credit was never issued. XXXX denied making the statement even though the call was recorded. XX/XX/XXXX, Requested to cancel services. XXXX refused to cancel services and attempted to intimidate me into keeping their service. I had to contact my new carrier and port my numbers. XXXX still charged me after I no longer had their service saying incoming text messages counted although there where no out going calls made from two of the 3 lines and I requested to cancel services weeks prior to porting my lines over to XXXX. XX/XX/XXXX9, sent three phones back. Two were in excellent condition. Never received credit for returning phones (collection account).Sent ipad back. Purchased in XX/XX/XXXX. First XXXX agreed to take it back buyers remorse, then XXXX said it never said made that statement. XXXX should be fined for deceptive practices, fraud, and theft.
08/02/2017	Yes	Student loan Federal student loan servicing	Dealing with your lender or servicer Received bad information about your loan	WI 53222	Web
XX/XX/2017 This morning I called GC services to see where the status of my student loan payments were I was currently on a payment plan for $XXXX a month When I called they told me im no longer on a pay arrangement. GC services stated that I had to start the payment program again I said why im already on the payment arrangement the lady then put the manager on the phone he informed me that they deleted my card information they claimed to have called me ,but i didn't receive a phone call ,or email ,also I was sent proof of my payment received and put towards my amount .I was told that I had to do the program all over again which will effect my Income taxes and my enrollment in college. Also the manager stated that there wasn't a payment set arrangement set-up i started it in XX/XX/XXXX here is proof Information from GC Services Regarding Your Student Loan With XXXX XXXX XXXX GC Services To XXXX XX/XX/XXXX at XXXX XXXX This message contains blocked images.Show Images Change this setting Your eDocument is best viewed using the latest version of the Adobe Reader - get it here XXXX Welcome to eNotice - Please review this email carefully. XXXX Authenticate Your Details: XXXX XXXX XXXX Address: XXXX XXXX XXXX XXXX Dear XXXX XXXX XXXX Our records indicate that we have your permission to communicate with you via email at the following address: XXXX To open your secure enotice document: 1. Open the PDF attachment. 2. Provide your five digit zip code to open the secure enotice pdf. We are committed to customer satisfaction. If you have any questions, please contact us using the contact information below. Sincerely, GC Services XXXX XXXX Your eDocument is Secure This eDocument is encrypted for your protection. To view the document enter your five digit zip code in the Password field of the PDF. XXXX Get Adobe Reader You'll need the Adobe Reader to view your secure eDocument. Get it now. You may contact us at: Phone: (XXXX) XXXX Website: www.gcserv.com Email: XXXX Unsubscribe Instructions If you no longer wish to receive emails regarding your account, please give us a call.
09/04/2017	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt is not yours	CA 94533	Web
This is not a refusal to pay, but a notice that your claim is disputed. Under the Fair Debt Collections Practices Act ( FDCPA ), I have the right to request validation of the debt you say I owe you. I am requesting proof that I am indeed the party you are asking to pay this debt, and there is some contractual obligation which is binding on me to pay this debt. Your legal staff will agree that compliance with this request is required under the laws of California and Federal Statutes. In addition to the questionnaire below, please attach copies of : Agreement with your client that grants you the authority to collect on this alleged debt, or proof of acquisition by purchase or assignment. Agreement that bears the signature of the alleged debtor wherein he or she agreed to pay the creditor. Please also be advised that this letter is not only a formal dispute, but a request that you cease and desist any and all collection activities. Your receipt of this letter will be considered as having granted consent to the taping of any and all telephone calls to me at my home or business by you or your agents or assigns I require compliance with the terms and conditions of this letter within 30 days. or a complete withdrawal, in writing, of any claim. In the event of noncompliance, I reserve the right to file charges and/or complaints with appropriate County, State & Federal authorities, the BBB and State Bar associations for violations of the FDCPA, FCRA, and Federal and State statutes on fraudulent extortion. I also hereby reserve my right to take private civil action against you to recover damages. Sincerely, XXXX XXXX Debt Validation Form Questionnaire to be returned : Account # : ____________________ Original Creditor 's Name : _________________________________ Name of Debtor : ______________________________________ Address of Debtor : ___________________________________ Balance of Account : __________________________________ Date you acquired this debt : _________________________ This Debt was : assigned ___purchased___ Please indicated any credit bureaus to which you have reported on this account : XXXX ______ XXXX ______ XXXX _____
10/05/2017	Yes	Debt collection Other debt	Written notification about debt Didn't receive notice of right to dispute	CO 80205	Web
Hi, I have a XXXX account that was a moved to a business account and was never notified that the final bill was due and was finalized after receiving devices. I never received one notification or warned that this was going to be sent to collection. I returned my devices as soon as the account was closed to a local XXXX department and chatted and called XXXX constantly to get the amount paid off. I even logged in to find my balance but the account was deactivated as the account had been closed. Every time I had to reset my password, the account information was not existance on the account. I have been on an automatic payment plan monthly with XXXX. I then saw the negative mark on my credit score and did n't even know it was XXXX till I had my loan officer send me what it was for. I called XXXX to explain my ordeal on a personal account, they pulled up my number and continue to tell me that I had a XXXX balance, I have a case number for it. They continuously tell me to wait for the final bill and I will be okay as it 's still XXXX and I can't-do anything about it now. I finally get to an account supervisor and she tells me to just do n't worry about it and they have told collections that this should n't have been sent to collections and my balance is in fact XXXX. Then I get so confused because it 's not off my record, and give them my actual account number, which they should have seen in their system instead of continuously telling me it 's XXXX. I then call business number and told me that I have to deal with it through collections now. I then Call GC services and explained to them the situation and that I did not receive any kind of letter or notification of collection and already have paid XXXX. Collections verified it with XXXX account that it has a XXXX balance, that I already paid it. I should have been notified by XXXX with a phone call the least, after paying them over thousands of dollars for service that they received my phone and that this is a final bill. I did not. GC also should have contacted me by letter and I still have not received anything to dispute the claim that I was notified about the bill.
06/05/2017	Yes	Debt collection Other debt	False statements or representation Impersonated attorney, law enforcement, or government official	CA 90504	Web
On XXXX XXXX XXXX. I received a levy on my bank account from a collection agency company that I did not borrow any money from amount {$530.00} and {$120.00} legal fee from XXXX XXXX XXXX. I did not receive a notice of levy. A final notice of levy and still havent. I called the bank to find out what the issue was and with who and they kept not answering, set up a call back, then when they called back the prompts were in Spanish. However the call back was not set up in Spanish because I do not speak Spanish this happened 4 times. I went down to the bank branch. They say it s the Franchise tax board.Gave me the number. I call California franchise tax board. They tell me the levy was done by the courts but its not the courts its GC services. I call GC services and they lied and they dont have jurisdiction its the Franchise tax board. I went down to the address given XXXX XXXX XXXX XXXX XXXX CA XXXX and they try to tell me what Im looking for is at a different building, its not here I say no it is here and I gave them the case number they didnt want to llok it up but I knew and then they looked into it asking a manager there and the suddnly they knew what I was talking about deceptive practices I know it was done by GC services I submitted the paperwork to dispute the levy according to the Bill of rights GC Services is conducting deceptive collection practices. I ask for the levy info the writ of execution and they say they dont have it I am disputing the issue. They stole this money out of the account. wrote and went to file the documents on XXXX XXXX. I called the number given they told me the bank was supposed to send me the notice of levy and still they havent. GC Services Limited Partnership at the XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, CA XXXX. This levy has caused extreme additional hardships. It violated The context of a Fair Debt Collection Practices Act ( FDCPA ) action. claim by a debtor that a third part debt collector has engaged in prohibited conduct in collecting or attempting to collect a consumer debt. It is required that they return the money to me immediately.
02/22/2018	Yes	Debt collection Other debt	Written notification about debt Didn't receive enough information to verify debt	CA 92107	Web	Servicemember
In the very end of XX/XX/XXXX into XX/XX/XXXX I switched two lines from XXXX to XXXX. I went through the buy out program of XXXX where they will pay up to XXXX dollars per line that switches to them off the final bill from the previous phone company. The only things I needed to do was to turn in my old XXXX phones and obtain those receipts from XXXX and then once XXXX made the final bill, take that online and plug in the info for the buy back. Over the next two months I went in to multiple debates with XXXX both in person and over the phone over this bill. XXXX initially kept telling me that the bill was not yet available and to wait till the next billing cycle and then when it would come I would receive the same answers. XXXX had also locked me out of my own account months prior to switching to XXXX and would not allow me to see my bill break downs and would only accept money for bills. I spent hours and hours on multiple phone called with XXXX both before switching and after attempting to get access and they were almost entirely of no help. No matter how many people I talked to on the phone, they for some reason were unable to give me access to my own phone account so I could see why and where my charges were coming from. Fast forward a couple months after switching to XXXX and attempting to get the final bill with no luck and suddenly I receive a notification in the mail that I was sent to collections by XXXX for not paying my final bill. This is the bill they refused to give me and that I now apparently owed something close to XXXX dollars. I obviously immediately contacted XXXX and learned that not only had they sent me directly to collections without sending me the final bill but they also had only ever switched over one phone account and still had the other account still open obviously unused for many months and racked up with fees and charges for not paying it. I am still in dispute over this with them and this just adds to the already large issue of them throwing me into collections.
01/10/2017	Yes	Debt collection Other (i.e. phone, health club, etc.)	Cont'd attempts collect debt not owed Debt was paid	TX 78542	Web
My family and I had a Family Plan with XXXX. In XXXX of 2016, my brother and sister called XXXX to terminate the plan and disconnect all phones including a home phone for all of my family members. After 20 plus years we moved to XXXX XXXX XXXX. XXXX terminated my dad 's and my brother 's account in XXXX but left the lines open for my sister and me. Again, we called and asked for the phones to be disconnected in XXXX. Their response was it will close out on XXXX XXXX without further charges. Finally, my sister 's phone was disconnected. My phone was not disconnected so I called in XXXX and they said that it would be disconnected on the XXXX. I paid the remaining balance and I was told that would be it. It did not end, I called back in XXXX and the charges kept piling up for a phone I had not used since XXXX 2016. On XXXX XXXX, I called and asked what is the remaining balance to clear our account? The XXXX representative told me the total was {$97.00}. I paid the {$97.00} and was assured the remaining balance was {$0.00} and that the phone would be disconnected on XXXX XXXX with no further charges.The plan for the last number was finally disconnected on XXXX XXXX. However, XXXX kept accumulating the charges. I called once again in XXXX and explained to the representative what had happened since XXXX and he told me you have to pay up which I did not. XXXX then sent the account which is under my brother 's name to a collecting agency. I must also inform you that on XXXX separate occasions the XXXX representative agreed that there was no phone usage and we would not be continued to be charged. She mentioned to me it 's a glitch in our system but it should be taken care of soon. Unfortunately, it was n't and the charges kept piling up. Now, they tell me the current balance is {$140.00}. I can no longer access the statements or usage from the Family Plan because my account is past due according to them. I have attached pertinent information that will provide evidence to my situation.
04/15/2017	Yes	Debt collection Other (i.e. phone, health club, etc.)	Cont'd attempts collect debt not owed Debt is not mine	CA 92629	Web
The mentioned debt was a result of a early termination fee ( {$440.00} ) imposed by XXXX XXXX as a result of an XXXX that was installed improperly, ultimately causing a poor signal. The poor quality is also documented in my contract with XXXX XXXX, however claiming that " the customer was ok '' with this quality. Also, my digital signature on the signed contract was illegally duplicated without my knowledge, which can be demonstrated by a erroneously stray mark. I contacted XXXX on XXXX/XXXX/XX/XX/XXXX to terminate my agreement based on false advertisement and improper installation however was told that I was responsible for the charge since I signed the contract. I then attempted to file a formal dispute with the office of the president of XXXX XXXX on XXXX/XXXX/XX/XX/XXXX however received no response or follow up. As a result, I filed a formal dispute through my credit union and XXXX of the charge, which ruled in my favor as of XXXX/XXXX/XX/XX/XXXX due to no representation provided by XXXX. I was later contacted numerous times by XXXX XXXX ( debt collector ) on behalf of XXXX to recover the mentioned charges. In my correspondence, I explained to the convergent Rep I was not responsible for the charge as it has already been disputed by XXXX and based on the fact that I was receiving poor quality. This charge was later reported to the XXXX major credit bureaus. As a result, I filed a dispute through XXXX, a authorized identity restoration services provided by the XXXX XXXX XXXX XXXX, to remove the charge from my credit report. After submitting the supporting documentation, all XXXX major credit bureaus removed the charge by XXXX. Later on XXXX/XXXX/XX/XX/XXXX, I received a separate notice from GC Services requesting payment for {$440.00} as a result of an unpaid balance from XXXX, This message also indicates the charge may include equipment fees, despite being told by XXXX that the equipment should be discarded after installation as XXXX will not accept returned equipment.
04/02/2019	Yes	Debt collection Credit card debt	Attempts to collect debt not owed Debt was paid	MA 02301	Web
Good Evening Management Team ; My name is XXXX, and after several calls with XXXX XXXX XXXX where they said that they are not handling this account on my credit report anymore and it was actually sent to a collection company, and then they transferred me to GC Services main office, a collection services company, then they transferred me to XXXX based office where we were able to discuss the debt with the Manager there XXXX XXXX file # XXXX. The debt has been paid but they continue to report them incorrect on my credit report. XXXX it reporting wrong balance, and they never sent me any notification that the debt was sold and I never received any notification to challenged the validity of the debt. I have disputed this item with the credit reporting agency and they reported you confirmed the account as valid. I honestly do not believe to ever have any relationship with this collection agency or original creditor. Also there are several inaccuracies with this account the way it's reporting and that's a total violation of FCRA and FDCPA laws and regulations. In a good faith effort to resolve the matter amicably, I must demand proof of this debt, specifically the alleged contract or other instrument bearing my signature, as well as proof of your authority in this matter. Absent such proof, you must correct any erroneous reports of this past debt as mine. I am writing to request that you please provide the following information : 1. Please evidence your authorization under 15 USC 1692 ( e ) and 15 USC 1692 ( f ) in this alleged matter. 2. What is your authorization of law for your collection of information? 3. What is your authorization of law for your collection of this alleged debt? 4. Please evidence your authorization to do business or operate in this state. 5. Please evidence proof of the alleged debt, including the alleged contract or other instrument bearing my signature. 6. Please provide a complete account history, including any charges added for collection activity.
01/23/2017	Yes	Debt collection Other (i.e. phone, health club, etc.)	False statements or representation Attempted to collect wrong amount	MD 207XX	Web
I contacted GC Services in XXXX XXXX to advise that i was not in agreement with the amount that they claim that I owe XXXX. I was advised that I needed to contact XXXX to address. We also discussed that i have equipment that I need to return which would drastically. Reduce the amount due. I contacted XXXX and returned the equipment reducing the balance by over {$1000.00}. XXXX advised me that they would have a supervisor contact me to discuss other charges. i then made contact with GC Services and provided an update. I advised GC Services that I was working with Dish as I was not in agreement with the amount of XXXX claim. The representative at GC Services requested that I make a good faith payment on the account while I work with XXXX to resolve. I made a payment of {$75.00} to GC Services three days later I received an alert from my credit monitoring service that i had a new collection. I immediately contacted GC Sercices who advised that there was nothing that they can do. Since then GC Sercives has updated the item on my credit report six times within a one week period. They even took the amount due back to the original amount. This seems to be retaliation for disputing the item. With them updating the item it makes it look as if it is a new item. GC Services sent an updated Dish bill in XXXX XXXX the bill showed the XXXX payment that I made to GC Sercices it also reflected the returned equipment. The date on the XXXX bill is XXXX XXXX XXXX. The bill was never sent out to me. XXXX does it have any of the debt collection language. Why would XXXX create a new bill for an account that was closed in XXXX or XXXX of XXXX. This further shows the deception of the collection practices. This bill was only generated when GC Services was challanged to do a debt validation. I only had service with XXXX for three months. I canceled the service due to service issues and the overall customer service exoerience I had in the shirt period of time i had the service.
02/02/2017	Yes	Debt collection Federal student loan	Cont'd attempts collect debt not owed Debt was paid	NC 287XX	Web
Collection Agency : GC Services Limited Partnership XXXX, XXXX, TN XXXX BACKGROUND : For the past decade I have been harassed by collectors for an alleged student loan debt, a small XXXX, that was paid back by my parents in XX/XX/XXXX-XX/XX/XXXX as a graduation present. ( I graduated from XXXX in XX/XX/XXXX ). XXXX did n't contact me until almost XXXX years later. claiming I owed this debt. Naturally NO ONE has their banking and financial records from that long ago! Which of course, is why this scam is so insidious. And by then, my mother, who always handled the family finances, was suffering from XXXX XXXX. This latest collection agency I responded to immediately, as I always do, reiterating I DO NOT OWE THIS DEBT. They sent me back a collection notice, to which they attached a FAKE PAYMENT RECORD, which allegedly shows I made one payment of {$26.00} in XX/XX/XXXX Fortunately, I still have the same bank ; and they have just mailed me the proof that no such payment was ever made by me to the Dept. of Ed. or anyone else. It is SO UNFAIR AND OUTRAGEOUS that almost XXXX decades after the fact " someone '' can just " decide '' I owe a debt that I ( or anyone else! ) can no longer prove was paid! This would not be allowed in any other kind of debt. But fraudulently creating a document in order to " show '' something that never happened is really just too much. I will fax you the proof from XXXX that I never made any such payment on this debt I DO NOT OWE! I am securing a legal aid lawyer to stop this bogus debt collection once and for all. When I complained to the CFPB about this bogus debt in XX/XX/XXXX, you passed it on to the Department of Ed ombudsman, who did nothing except send me a copy of my loan application, which of course, PROVES NOTHING ABOUT WHAT WAS PAID BACK AFTER THE LOAN WAS TAKEN OUT!! But I would like some action, some censure, SOMETHING against this debt collection agency who is making up false financial statements!!
05/25/2022	Yes	Debt collection Auto debt	Communication tactics Frequent or repeated calls	TN 37415	Web
XXXXDEBT VALIDATION LETTER** To Whom it May Concern : This letter is being sent to you in response to me regarding account # XXXX Be advised this is not a refusal to pay, but a notice sent pursuant to the Fair Debt Collection Practices Act, 15 USC 1692g stating your claim is disputed and *VALIDATIONis requested. This is NOT a request for " verification '' or proof of my mailing address, made pursuant to the above-named Title and Section. I again respectfully request your offices provide me VALIDATION with evidence that I have any legal obligation to pay you, including the following documentation : 1. Agreement with the creditor that authorizes you to collect on this alleged debt ; 2.The agreement bearing my signature stating that I have agreed to assume the debt ; 3.Valid copies of the debt agreement stating the amount of the debt and interest charges ; 4.Proof that the Statute of Limitations has not expired ; 5. Complete payment history on this account along with an accounting of all additional charges being assessed : Proof that you are licensed to collect in my state ; and 7. Your license numbers and Registered Agent. At this time, I will also inform you that if your offices have reported invalidated information to any of the 3 major credit bureaus ( XXXX, XXXX, or XXXX ) this action may constitute fraud under both Federal and State Laws. Due to this fact, if any negative mark is found on any of my credit reports by your company or the company that you represent, I will not hesitate in bringing legal action against you and your client for the following : Violation of the Fair Credit Reporting Act, Violation of the Fair Debt Collection Practices Act, and Defamation of Character. If your office fails to reply to this debt validation letter within XXXXhirty ( 30 ) days from the date of your receipt, all future attempts to collect on debt including excessive calling must cease, moreover credit report deletion. Sincerely, XXXX XXXX
01/04/2023	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt was paid	CA 94587	Web
This complaint is about GC Services ( XXXX XXXX ). I owed the XXXX XXXX XXXX XXXX XXXX based on 2 civil assessment fees and a XXXX XXXX ticket ( civil assessment fees were added due to the courts receiving the corrected violation late, but they had received my payment of {$25.00} ), for citation # XXXX. I explained to the debt collection agency that my debt had been resolved, due to the passing of XXXX XXXX, which removes all civil assessment fees prior to XX/XX/XXXX. After hearing of XXXX being passed, I contacted the XXXX traffic court in early XX/XX/XXXX, to confirm of the debt removal and they have confirmed no debt was owed. Today, XX/XX/XXXX @ XXXX, I was contacted by GC Services regarding the debt of {$620.00}, where I was told I still have a collection against me for the {$620.00}, after i explained the situation, they reviewed my debt and rejected my request for review. Shortly after receiving their call, i decided to call XXXX traffic court again today at XXXX, which resulted in the court once again letting me know that i have no outstanding debts and have not had debt since XX/XX/XXXX, so the citation was considered paid and closed. At XXXX i called GC services back to report what i had been told by the court and they refused to close the collection. This company is calling me attempting to collect money which has already been paid/removed from my debt due to bill XXXX and the XXXX courts XXXX I have no debt to be collected. Once again, they are trying to collect money that has already been paid and refuse to close my collection. If i had paid them, I probably would not have gotten my money back and if the courts already deem it as paid, how can they legally collect that money from me. If i hadn't paid attention and done my research i'd be out {$620.00}. GC Services needs to be looked into to make sure they aren't collection on paid debts for people all across the country, which would be considered Fraudulent Activity.
03/03/2020	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt is not yours	DE 199XX	Web
I returned 3 phone and canceled service with XXXX on XX/XX/XXXX in person at the retail store XXXX XXXX where I purchased from with the 14 return window I have proof of return and deactivation receipts. XXXX has claimed to not have received phones in there warehouse. I called to let XXXX know a few times already that I have return phones and they would tell me they would open a case and look into the issue and that maybe the phones where in the mail still being shipped back. Now XXXX has sent debt to a company called GC services. I spoke with them on XX/XX/XXXX and told them the same info and I sent them the receipts by email to prove phones were returned on XX/XX/XXXX. They said they would contact me once they heard back from XXXX. On XX/XX/XXXX I received alert of derogatory remarks on credit report from GC Service. I contact GC Service on XX/XX/XXXX and was first told that XXXX denied my dispute on XX/XX/XXXX I believe and I told the rep I spoke with someone on XX/XX/XXXX to start the dispute so it could not have been denied before that date. She then told me she found a second dispute open with XXXX and they were waiting to hear back from XXXX. I asked for a file number or case number and she said she did not have one to give. I then asked if they problem is still being investigated why have they report me to credit bureau. She said it was not a derogatory complaint. it was just letting the them now a case was open. But I told her it is saying derogatory. I asked her a debt verification for what they are sending in to credit bureau that I owe and she said she didn't have that but could send an itemized bill. I requested that and she said if she sent an itemized bill it would cancel my dispute with XXXX. I then call spring on XX/XX/XXXX and was told there was no dispute open with them. The rep began to open a case to try and locate phones but again would not allow me to send in the proof of return and deactivation receipt.
05/26/2021	Yes	Debt collection Credit card debt	Attempts to collect debt not owed Debt was result of identity theft	FL 33134	Web
Between XXXX and XXXX I was the victim of fraudulent charges on my XXXX XXXX Credit card, each time I was notified about suspicious activity or noticed the fraudulent activity myself I contacted XXXX Credit card services and notified them. I ended up closing my XXXX account since they were allowing an impersonator fraudster to have access to my credit card by going into a store and by presenting a fakeID and my SSN. XXXX never initially explained this modus operandi to me, they only stated they were going to issue a new card and drop the charges, only after the third round of fraudulent charges and when I pressed them on how this was happening over and over they explained the modus operandi to me. After this was made clear, I asked them to close all my accounts and report all purchases as fraud to which XXXX accepted. After this, I got a letter from XXXX stating the report on the fraud charges was completed and that I'm not liable or responsible in any manner. To my surprise months later, I started getting collection calls from XXXX and later on by GC Services. In the beginning, I explained to them the whole situation to which they said they were going to make notes on my case. Still, again and again, they keep calling me to collect the debt of the fraud charges. Now I noticed they reported me to XXXX and my credit score dropped around 100 points. I have already spent several hours calling XXXX and XXXX explaining this situation over and over and they always say they are going to fix it, but they never do. I don't know what else to do. I want XXXX and XXXX to inform all debt collectors ( GC Services ) working on their behalf to stop calling me and stop reporting me to credit agencies for fraudulent purchases from which I'm not responsible and make the necessary corrections to these false remarks. Report XXXX XX/XX/XXXX Updated Account Information XXXX/XXXX Remark Added to Account XXXX/XXXX Thank you XXXX
10/02/2018	Yes	Debt collection Other debt	Written notification about debt Didn't receive notice of right to dispute	OR 97402	Web	Servicemember
History : We moved to XXXX in XX/XX/XXXX. They lied to us about the savings we would see, the coverage we would have, and the bonuses we would receive if we switched over. I made FCC complaints and over the course of 4 months tried to get this resolved. In XXXX we switched over to XXXX. XXXX refused to port my number for 2 days, leaving me without a phone and costing me {$15000.00} in commissions. I filed another FCC complaint. Our agreement with XXXX said if we left them, we still had to pay the monthly cost of leasing the equipment. However, they then demanded the entire payment at one time. I would try to talk to them, but they refused to talk to me, saying they could only speak to my husband, who was the primary holder of the account. Over the course of the last two months, he has played phone tag with them trying to resolve our issues with them. Reason for this complaint : yesterday we received two pieces of mail. The first was from a collection agency, saying that XXXX had handed over our account to them. The second was from XXXX ( both letters were dated XX/XX/XXXX). XXXX was demanding full payment of the lease amount by XX/XX/XXXX or they would hand the case over to collections. My husband called the collection company and found out that XXXX had emailed, on two separate occasions, my XXXX year old son to demand payment. My son 's email is not associated with the XXXX account. My husband 's email and my email are. XXXX did this before during the 4 months that we battled with them ( although it was calling my XXXX year old sons ). We clearly let them know at that time which phone numbers belonged to who, and ensured the only emails on the account were my husband 's and mine. They did not call my husband, or I about the account. They did not mail anything to our home prior to XX/XX/XXXX. They purposely contacted a minor, multiple times, and made no good faith effort to contact either of the adults on the account.
04/29/2017	Yes	Debt collection Other debt	Written notification about debt Didn't receive notice of right to dispute	DC 20011	Web
I previously submitted a Complaint about this this collection agent. In response to the complaint, they submitted complete LIES. The response is a complete LIE! The response states : ... in response, GC Services sen t XXXX XXXX a letter on XXXX XXXX , XXXX verifying the name and address listed on the account as well as the amount owed with our client. The letter additionally included an itemization of the current balance owed and enclosed billing statements provided by our client to confirm the underlying amount owed. In addition, GC Services has updated XXXX XXXX credit reports to show the account as dispute d. 5. Our client reported to us that payments have been made on this account and that the line was opened and obtained using XXXX XXXX security question and/or password. 6 . We apologize for any inconvenience caused through our collections efforts. We encourage XXXX XXXX to contact GC Services so that we may assist her in completing a fraud and identity theft application or provide other assistance to help her resolve this account. NONE OF THIS IS TRUE. GC Services HAS NEVER RESPONDED TO MY LETTER. I did NOT RECEIVE ANY SUCH documents, itemization, NOTHING that the claimed in their response. Additionally, the phone was not leased with my security question or password. XXXX ACKNOWLEDGED they allowed someone else to lease the phone without these things, XXXX stated she was allowed to upgrade the phone " based on her POSSESSION OF THE OLD PHONE! '' This response further differs from what XXXX XXXX told me during my conversations. The ONLY PROOF of the amount owed that XXXX knows is in dispute is the {$170.00} " lease cancellation fee '', again, I demand proof of an executed lease! That is the ONLY proof that supports the charge - not an account balance or itemizations of FRAUDULENT charge. I asked for PROOF OF A LEASE which is the subject of the {$170.00} debt.
06/23/2017	Yes	Debt collection Private student loan debt	False statements or representation Attempted to collect wrong amount	LA 70119	Web
XXXX XXXX, 2017 : In an attempt to pay off this loan with assistance from a family member, I called to get my balance. It was quoted as {$8300.00}. I questioned the balance because I am being garnished for this debt. I was advised by XXXX XXXX of GC Services that I could see my debt and payments by going to www.myeddebt.ed.gov I had NO knowledge of this site before being given this information. Upon going to that site, my report indicated the balance as {$6400.00}. A payment of {$6400.00} was made. There was still an unposted garnishment payment. I was then told there was a balance of {$1100.00}. That amount was then paid. Another payment was made. It seems their " collection costs '' have amounted to over {$2000.00} on this balance. It never gets smaller. Every day they add fees and charges on claiming 'THIS IS YOUR DEBT AND FEES ARE CHARGED DAILY UNTIL IT IS PAID IN FULL. '' There is no way to get to {$0.00} with this company. The stress has affected my health. Prior to going into garnishment I was making small payments until a medical situation caused me to go into default. I submitted documentation to this company more than 4 times via certified mail. Every time I submitted something, they wanted something else. Then they decided to serve a garnishment. The more I asked how much do they charge in collection fees, the more they blew me off. I was told their fees are NOT included in my report of payments received yet they sent me the same info with nothing indicating they charge a separate fee and the percentage of that fee. I need these people out my life asap. The Dept. of Ed. needs to look into the companies they are using as servicing agents and the amount they are charging consumers. It 's no wonder people remain unemployed and do not become home owners. The fear is there! I feel their collection tactics are unacceptable as is the amount they are charging to collect these debts.
03/10/2017	Yes	Debt collection Federal student loan	Cont'd attempts collect debt not owed Debt was paid	FL 33027	Web
I received a letter saying I owe a student loan and must send the amount to them.The letter used the XXXX XXXX XXXX XXXX. but did not indicate who is the servicer who gave them the authority to collect for them. I called the number of the collection agency and the person on the phone said it was a student loan for my daughter XXXX yrs ago in my former married name, ( I 've been divorced since and use my maiden name now ) and its defaulted loan. The person on the phone said that I can make payment arrangement based from my income and budget, as low as XXXX dollars a mo. in order for the debt to be out of defaulted status. I was skeptical, but I answered all personal questions including where I worked, how much I make, even my budget etc ... since I barely have money left for food expenses, he said I qualify for XXXX dollars a month. I thanked the person and I said give me the website where I can pay online. He said that their program is only for automatic payment and I need to give my bank acct or debit card to pay the XXXX $ monthly payment. I got nervous and I told him that I will call him back in the morning and I got his name and ext number. The following day I researched and make calls and with the help of the account number on the letter the collection agency sent me, I found out that this so called defaulted loan, has zero balance. That 's why it was not even in my credit report, and I do check my credit score every month, and my credit report at least every 6 mos. So I blocked the collection agency 's phone number to stop them from calling me. They have been calling me and leaving messages, even using local phone number to trick me to answer their call. After 15 days of the original debt collection letter, I received again XXXX letters back to back in 2 days, same exact letter, but the balance owed is more but with same loan account number. So I decided to report them.
11/06/2020	Yes	Debt collection Credit card debt	Attempts to collect debt not owed Debt was paid	FL 33952	Web	Older American, Servicemember
Had automatic payments to pay off our debt with debt collector company on behalf of our credit card. On XXXX XXXX a final payment of {$150.00} was taken from our checking account automatically, but the final payment was only {$110.00}. A refund of {$34.00} was due back to me. I waited for the refund but time passed and when I finally called the company I was first told that I was a few days past the 30 period in which to ask for the refund but that they could see that the account was in the negative {$34.00}. I was transferred to a manager who told me the same thing - that the account was paid but a negative balance was owed to me. The manager said if I did not see the refund in my bank account by Friday ( this was Tuesday ) to call back. Come Friday no refund. I called in the morning and they told me someone was locked onto my account and they could not contact that person to get them off. Ok so I thought and told the representative that maybe they were checking the account and about to refund me the amount so I would call back later in the afternoon of Friday if I did not get it. Did not get it. Called again and talked to XXXX, a manager and she said the account was locked out by someone too. I told her I was not going to take that as an answer and that I wanted my refund! She went to the person who apparently was on the account and came back to me to say it was a treasurer of the company and the amount was correct and they would be issuing me a check in the amount of {$34.00}. I told her to have it put back into me checking account, the same account used to take the monthly payments out of. She said that is not their policy! I told her excuses excuses I would contact the FTC to file a complaint. I paid in good faith on time and as agreed. The account was paid on XX/XX/2020! I am still waiting for my refund and I don't think waiting for a check after all this time is fair!
02/26/2023	Yes	Debt collection Auto debt	Attempts to collect debt not owed Debt is not yours	TN 37664	Web
XXXX - initial complaint This is an additional complaint regarding an illegal repo from XXXX XXXX XXXX XXXX XXXX XXXX after a billing error complaint to XXXX. Repo occurred after XX/XX/22 statement included approximately 2 payments labeled past due but month before statement showed 0 balance past due. Error was brought to XXXX attention and verbally escalated to intent to sending in writing and repo happened after consumer being told that error was fixed and before 60 days were given to submit it writing on XX/XX/22. Illegal repo along with personal belongings being held. Absolute refusal to access to personal belongings. XXXX repoed vehicle and sold vehicle and send demand letter for {$29000.00}. Complaint was filed with Consumer finance. I have now received a demand letter from {$29000.00} From GC Services Limited Partnership identifying themselves as a debt collector. Stating they are trying to collect a debt that I am being accused of owing XXXX XXXX XXXX XXXX XXXX. Information regarding this harassment letter is as follows : GC Services Limited Partnership XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX GC NUMBER : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Texas XXXX XXXX Account- XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX is practicing Rackteering committing extortion and coercion violating RICO act. This is a clearly a repetitive behavior that has already been addressed by the consumer financial protection agency that identified XXXX guilty of hundreds of illegal repossessions as well as other things. This is a true example of this criminal organization engaging in a repeated illegal behavior. This should be investigated by those who have not accepted bribery from these criminals who have some reason to believe that they can violate the RICO act, not adhere to Consumer Protection Law, and expect no consequences when continuing criminal behaviors.
06/13/2018	Yes	Debt collection Federal student loan debt	False statements or representation Attempted to collect wrong amount	MI 484XX	Web	Servicemember
I don't have the letter in front of me so I don't have exacts dates but I know the time frame. At the beginning of the year- roughly XXXX I called to get a statement showing what were charging in interest and fees. The girl on the phone had told me it was 24.5 % but didn't actually show that anywhere. So I asked for a statement in writing showing me that's what I was being charged and when it was charged and how. She put me on hold and then got back on saying something would be sent. I did receive it. However, all they sent was a print out showing what my student loans were and what their total was. Nothing that showed what exactly they were charging. Then I received a letter stating they were reviewing my account and would contact me after it's been reviewed. I was never contacted. A few weeks later I received a letter from the department of education about garnishing my wages and it said I could object to it and so I filled out the form and typed out a letter stating I wasn't objecting to paying it but I was not going to pay fees in when they can't show me what they are charging, when it was or if accruing interest or fees. I also filed a complaint online on the myeddebt.com website and also made a payment through the website and not through GC Services. Now, a few weeks after that I received another letter from GC Services in regards to my concerns to my account. This time they included a copy of student loan agreement. But again have yet to provide me with anything showing me the actual interest rate or any fees that are charging or when they have been applied. I've never disputed owing fees. All I asked for what a document saying what the fees are or the interest and when or how it's applied. Which I thought was a reasonable request, but it seems they are incapable of that and now I question why they won't put this information in writing.
07/04/2018	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information is missing that should be on the report	FL 33321	Web
I have had a problem with XXXX and ended up filing a complaint with the Florida State Attorney General. Case # XXXX XX/XX/XXXX. The issues I have had with XXXX have been horrendous. I have tried to settle this issue with XXXX since then. On XX/XX/XXXX I again tried to settle this with XXXX to no avail. They denied my payment. After a long back and forth e mail with XXXX ( which I can provide ) in which I advised XXXX they did not have any permission to charge anything to any credit card they might have on file because I was disputing the fees and charges, they attempted to charge my XXXX XXXX. Which thankfully XXXX XXXX denied, closed my account, and sent me a new card and account number. XXXX tried to charge my card on XX/XX/XXXX, after I advised them not to do so! Any attempt to deal with XXXX has met with negative results. It took my over 3 months to get a bill from them to even to begin to dispute the charges. Now I get an alert that this company, GC Services, has placed a collection account on my credit reports. I do not know where they came from. I have never heard from them or about them. ( I have had the same number for 10 Years ). Not once have I been contacted by them in any way, either U.S mail, e-mail or via cell phone. I do not know how they can randomly ruin my credit without me even knowing who or what they are. I feel I have been violated and I want to pursue any and all legal actions against XXXX as well as XXXX XXXX to the fullest extent of the law. I understand I will need to contact an attorney, and I will do so as soon as possible. I feel GC Services needs to remove these items immediately as they are incorrect. GC Services is not known to me I have never been contacted by them or what they are and they should not have the power to ruin my financial livelihood. Thank you for your attention to this matter.
03/05/2017	Yes	Student loan Federal student loan servicing	Dealing with my lender or servicer Trouble with how payments are handled	FL 33781	Web
I entered into a rehabilitation program on my defaulted account ( s ) and setup automatic payments each month to get my loans out of default. I noticed there was no automatic withdrawal on my bank account the next month ( month2 ) so I called the company who I have the arrangement with and gave them my payment information again. XXXX XXXX and XXXX I verify that the payment is withdrawn from my bank account. On Month XXXX I call the company I have the rehab agreement with to change my billing information, I am opening an account with a new financial institution and need to update my billing information. To my dismay, they inform me that I have n't been making payments and need to re-commit to the rehabilitation program. I check online and clearly see that the correct amount is being withdrawn monthly at the correct dates using the automated process setup over the phone. The company informed me that even if my proof of payments was satisfactory for them that I still missed payments and would have to start the program again. This is unacceptable to me. My original financial institution mailed me an official statement with the XXXX " missing '' payment information on it. I 've mailed a copy to the u.s. department of education and I 've emailed a copy to the company I 'm dealing with. I no longer trust this company. While in communication with them I 've had to explain the entirety of my situation to many new representatives and supervisors because they do n't understand details of my case. In order to stop that from happening a representative informed me that my case would no longer be moved but I was moved anyways. No matter how small, errors like that are unacceptable. I have started a new rehab program with the same company and have been making my payments on time. I believe my rights have been violated but I do n't know what to do next.
11/02/2017	Yes	Student loan Private student loan	Struggling to repay your loan Can't get other flexible options for repaying your loan	CA 94118	Web
I was enrolled in a film program at the for-profit XXXX XXXX XXXX California - XXXX XXXX. Before I could finish the program and earn a XXXX XXXX, I moved from XXXX XXXX to XXXX, and was assured that I could transfer to the XXXX XXXX campus of the school and finish out the program. However, once I arrived, I was told that my loan program had been cancelled. I had to apply all over again. My co-signer was denied, as was a second co-signer. I was told that because of the loans I had already accrued - for a program that I had not yet completed - I could not take out any more loans ... this despite the fact that those loans were not yet in a repayment period. Thus, for years following the cancellation of that loan program, I took whatever job I could find, and wound up making less than {$27000.00} per year working full time at a XXXX XXXX company. I could barely pay my rent, much less put anything toward repayment. Without a degree, finding any other kind of higher paying job or starting a new career was essentially hopeless. That school 's parent company XXXX has since been sued by the federal government for predatory recruitment practices and as of XXXX has lost all accreditation. I can not use the units I earned there toward a degree at a state school, and am ineligible for financial aid of any kind because of these debts. First XXXX held the debts. Then the debt was evidently sold to XXXX, XXXX XXXX XXXX XXXX Now, these are held by GC Services Limited Partnership . XXXX, XXXX XXXX XXXX XXXX previously offered to settle for the amount of {$62000.00}. This was contingent upon receiving that amount by XX/XX/XXXX - which was absurd, since that is more than I make in one year. I have reached out to work out a payment plan based on my projected income, but they have not been willing to settle this via letter. I want everything on paper.
02/23/2021	Yes	Student loan Federal student loan servicing	Dealing with your lender or servicer Trouble with how payments are being handled	GA 30126	Web
My original student loan debt is owed to the XXXX XXXX XXXX XXXX, and I contacted them years ago disputing the balance of my student loan, which at that time was {$7100.00}. Unfortunately, my student loan account was never reconciled by XXXX ; however, my account has been transferred to numerous ( XXXX or XXXX XXXX collection agencies over the years, and each agency has added on unethical collection fees and interest. The present owner of my student loan is XXXX XXXX XXXX XXXX, and total principal and interest was noted as {$16000.00} in XX/XX/XXXX. I have spoken with several representatives of XXXX in attempts to rectify my account, but I was informed that collections are handled by GC Services Limited Partnership, XXXX XXXX, XXXX, TX XXXX. In XXXX, I paid {$2500.00} in student loan interest ; in XXXX, I paid {$5700.00} in student loan interest to XXXX. I submitted a settlement offer XXXX XXXX XXXX to GC Services, but I have not heard from them, and I have not received any written communication from XXXX or GC Services since XXXX ( the midst of the coronavirus epidemic ). Is it possible that the recent natural disaster in Texas which left millions without power and clean water has affected standard ethical business procedures for many corporations doing business in Texas right now? Yesterday, XX/XX/XXXX, my employer informed me that garnishments are to resume in 3 days for approximately {$700.00} per month. As most people, I have experienced financial issues during this world-wide epidemic and it would cause me great hardship during this time to pay {$700.00} each month. I was under the understanding that student loan collections are still on hold due to the XXXX pandemic and I'm requesting a moratorium on my student loan, as directed by President XXXX in XXXX orders and/or other legislative agreements made during this pandemic.
01/22/2017	Yes	Student loan Federal student loan servicing	Dealing with my lender or servicer Keep getting calls about my loan	TX 77067	Web
I want to file a formal complaint against GCS, LP, and I selected the loan category ( Federal student loan ), because the loan servicer/collection agent, GCS, has not been able to provide important details, like the type of loan, original loan balance, interest rate, etc. Their last representative, XXXX, has been calling me on my mobile number, which has been listed on the National Do Not Call List, since XX/XX/XXXX. She is calling me before XXXX, and the last call was on Wednesday, XX/XX/XXXX at XXXX. I assume she is calling me about a student loan that was disputed and verified by the U.S. Department of Education and XXXX University. In XX/XX/XXXX, the Financial Aid Dept. ( FAD ) at XXXX University awarded me a student loan to cover the cost of XXXX courses, but those funds were not distributed to me, because I earned a scholarship from the XXXX, and the FAD determined that I had received an over-award of financial aid funding, so they returned the funds to the financial institution. In XX/XX/XXXX, the U.S. Department of Education and XXXX University verified the over-award of financial aid and the cancellation and return of loan proceeds in a letter that I sent to XXXX ( XXXX ). At the time, XXXX was located in XXXX, XXXX XXXX is a subsidiary of XXXX, and XXXX is currently being sued. GCS is trying to collect on a matter that has been disputed and verified. They are also adding thousands of dollars in fees to a non-existent debt. Please do all you can to stop this madness! I have enclosed contact information for the U.S. Department of Education ( DOE ), GCS, XXXX University ( XXXX ), and XXXX ( XXXX ). Regards, XXXX Contact Information : ( 1 ) DOE, XXXX, XXXX, XXXX XXXX, XXXX, XXXX ( 2 ) GCS, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX ( 3 ) XXXX, XXXX, XXXX, XXXX XXXX, XXXX ( 4 ) XXXX - XXXX, XXXX, XXXX, XXXX XXXX, XXXX, XXXX
07/13/2016	Yes	Debt collection Other (i.e. phone, health club, etc.)	False statements or representation Attempted to collect wrong amount	CA 91354	Web
I applied for the XXXX program, which is a discount program on certain traffic tickets that qualify. This program is offered by the collection agency GC Services. GC Services has been extremely deceptive the entire time I have been in communication with them. Multiple of the representatives I have spoken to told me I had a warrant out for my arrest from XXXX XXXX traffic court. I checked with the criminal and traffic divisions of the XXXX Courts, they advised me I NEVER had a warrant. I told GC Services what the courts told me, and at that point I was advised by XXXX XXXX it would take up to 21 business days for them to receive the information they needed from the courts showing I had no warrant in order to receive the discount. I called and checked the status once a week while waiting the 21 business days, just in case they received the information sooner. As the 21 days was coming to an end and GC Services still did n't have any information, I asked what would happen if they did n't receive the information they needed within the 21 days they initially said it would take. GC Services advised me that I would " just have to wait until they get the information and now there 's no definite timeline ''. I tried asking if I could contact the courts to get the information they were looking for, XXXX XXXX 's response was " that department does not communicate with anybody outside of the courts and GC Services ''. So at this point, not only have they lied, refused to let me listen to prior phone conversations between myself and GC Services ( to clear up other lies they 've told ), and refused to review the documents XXXX XXXX Courts gave me stating I have no warrants, they still have not received the documents they need in order for me to receive the discount that I definitely qualify for. Their 21 business day timeframe has passed.
08/22/2020	Yes	Debt collection Auto debt	Communication tactics Frequent or repeated calls	GA 302XX	Web
GC Services Limited Partnership took out a debt collection for an auto loan. They sent me a letter dated XX/XX/2020 stating that I owed a balance to their agency, which is correct. However, since I received the letter notifying me of the amount due, they continually and repeatedly called both my personal cell phone number and my mothers cell phone. When calling my mother, they stated they were a Law Firm calling about my collection. She hung up and blocked their number. They then continued with persistent, annoying, and harassing phone calls that would begin as early as XXXX XXXX ( EST ) and continued throughout the day. I normally do not answer unknown/spam calls. When I would use call filtering to block their number, they would use another phone number from the same area code to call immediately after I declined the first call. I got calls from several local area codes throughout the day, as frequently as 3 or more times a day. ( Examples of numbers they attempted to use to contact me : XXXX, XXXX, XXXX, XXXX ) When I would answer, they never stated the company they were calling from or even stated their intentions for the call. I had already set up an online account to pay GC Services on a set schedule and they still continued to harass me multiple times daily about my outstanding debt. Their corporate number listed on the letter I received also never called me. Only random phone numbers from area codes nearby. I called on XX/XX/2020 to inform them that I currently lived in a different time zone and that I wished to not receive calls at XXXX ( PST ), which, in one week, they managed to call me at XXXX, XXXX, XXXX on multiple different days. I have phone records and time stamps to prove that. The representative stated she would make a note of it on my account. Since then, no further calls have been placed as of yet.
02/20/2019	Yes	Debt collection Federal student loan debt	Communication tactics Frequent or repeated calls	OH 45231	Web
I personally have been called daily by GC Services even though I set up a payment arrangement with them six months ago and have paid on time every month. They call me daily, have called my brother, my father, my ex brother in law, my current brother in law, and my ex husband. They have told these individuals that they were trying to locate me for repayment of a student loan. I called them today and they stated that they wanted to increase my payment from {$100.00} to {$300.00} because of information that I sent back in XX/XX/XXXX. I have been paying on time every month for six months and they state that none of the payments I have paid are pulling my loan out of default status because they believe I should be paying more.They also stated that I would have to make the higher payment for nine months before my loan would be removed from default status. They said that all the payments I had already made were applied to my loan, but that it didn't remove it out of default status. They also stated that I could be reviewed for wage garnishments or liens even though I am making payments. At the very end of an hour long conversation, they stated that I could be eligible for removal from default status if I consolidated my loans. They provided me this phone number to call to consolidate : XXXX. This phone number only leads to an endless loop of bogus offers for discounts on cell phones etc. I asked them to stop calling me and everyone else related to me. I did apply for loan consolidation through the department of education website. This company told individuals I did not approve to know that this call was in regards to a student loan debt. The call that disclosed that most recently was today. Please help this harassment stop and prosecute these individuals for predatory practices. Thank you for your time.
09/19/2016	Yes	Student loan Federal student loan servicing	Dealing with my lender or servicer Having problems with customer service	NY 125XX	Web
I am in the process of getting my loans out of default. I initially called the XXXX to get a breakdown of all my Direct loans. I was informed by a representative of the XXXX that my loan is now being handled by GC Services. I was provided with the contact information ( XXXX ), and gave GC Services a call immediately. The agent handling my case provided me with amount of money owed for the Direct loans, and told me I was required to speak to her manager if I had specific questions on the defaulted Direct loans and options for repayment. I agreed, and was transferred to her manager who then proceeded to explain the option of the Rehabilitation Program. Once he finished explaining what the Rehabilitation Program is all about, he proceeded to ask me questions like, my most up to date address, phone number, and place of work. I explained to him that I did not feel comfortable providing that information until I considered all my options first, and by doing so I needed to know what the monthly payment would be if I considered the Rehabilitation Program. He proceeded to tell me that he will not give me that information until I told him I wanted to participate in the program. So, I told him if he did n't want to provide the information to me I would go along pretending I was going to participate in the program just so I can get an idea of what my monthly payments would be. Once he gave me the monthly payment amount, I proceeded in telling him that I will not be moving forward with the program until I know all of my options. He then threatened me with garnishing my wages if I did not participate. Although I am aware this is a possibility, under the Fair Debt Collections Act, it is prohibited to threaten any person in connection with the collection of a debt. This is a threat and should no be tolerated by anyone.
01/24/2023	Yes	Debt collection Other debt	False statements or representation Attempted to collect wrong amount	TX 77083	Web
I saw a collection account from G C Services in my credit report. Was not given any written notice about this account prior. I called them and they said it was an account with XXXX. I told them I do not owe XXXX any money and proceeded to dispute the account. They sent me a letter dated XX/XX/2023 stating that they had contacted their client and that the debt was confirmed. This service was never used by me because they violated the agreement I had with them on the service. When I called XXXX to renew my internet service, the representative offered me a promotion which included internet and cellphone service. The said promotion was to have internet service for {$50.00} per month and unlimited text, call and data service for XXXX per month with a total of {$62.00} tax inclusive. And was told I will receive one bill. I was sent a contract link to my phone, which I reviewed and approved. The next thing I new I was being billed separate and much more than what was agreed upon. I called customer service to try to resolve that and was told that I have to pay what I was billed. I asked to speak to a supervisor and she told me the same. I asked her for a copy of the contract I signed and she told me there was no contract. I then told her that I had not business with them. I never used the service for one day. I only agreed to it because of the cheaper bill. I expressed to the rep that I did not need an additional phone. A couple of weeks later I called again, and he lady I spoke to expressed the same as the others. I asked her for the contract, she seemed like she was going to send it and then told me she couldn't. I told her like the other that they should cancel my service all together with XXXX. Even after the internet cancelled my service, the mobile service kept sending me bills that varied.
06/13/2021	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt is not yours	AZ 85254	Web
Overview : I was contacted by a collection agency ( GC Services ) about a sizable debt not owed by me. According to them, this debt is from a previous employer ( XXXX XXXX XXXX XXXX ), where I resigned 33 years ago back in XXXX. History of Interactions : I have had 3 calls with GC Services since their original call to me in XXXX. I have emailed written descriptions and verbally explained explained that I have nothing to do with that company because I resigned 33 years ago back in XXXX. I also pointed out that prior to my resignation, my role was XXXX XXXX XXXX and a minority shareholder. I was never a Director for this Company. The Missouri Department of Revenue ( MDOR ) has evidently contracted with GC services for this debt owed to the MDOR during the years between XXXX to XXXX some 20 years following my resignation. Additionally, on XX/XX/XXXX my wife and I spoke at length with GC Services ' XXXX XXXX. She asked that we go to the MDOR 's website to fill in Form # 126 ( Registration of Exemption Change Request ), to officially remove my name as an officer, since XXXX XXXX never did this back in XXXX. This was completed and emailed to XXXX XXXX XXXX XXXX and the MDOR. It should also be noted that GC services and MDOR, were aware that I resigned and abided by the Corporate bylaws by surrendering my stock ownership certificates back in XXXX. This, in fact, was a requirement of any officer who departs the business yet they are ignoring this information when they call and write. Their relentless insistence on claiming that I have ignored all their communications, couldn't be further from the truth. I have asked GC services in my last communication on XXXX to cease their unwarranted harassment, yet the phone calls continue. Please help me abate this unwarranted harassment.
10/18/2016	Yes	Debt collection Other (i.e. phone, health club, etc.)	Cont'd attempts collect debt not owed Debt was paid	CA 93710	Web
XX/XX/XXXX I was contacted by GC Services limited partnership. A collections Agency on behalf of the XXXX County Superior Court traffic division. This debt was for unpaid traffic tickets. Which in turn ended up putting a hold on my license by the California Department of Motor Vehicles in XX/XX/XXXX. However in XX/XX/XXXX I did contact the collections agency GC Services which is a third party collections Agency for the Superior Court of California XXXX County traffic division I paid my debt and they specifically gave me instructions on how to then obtain a release of my California driver 's license from the CA DMV which I did XX/XX/XXXX. However, today XX/XX/XXXX I have received another collections letter from the collections company GC SERVICES demanding payment again on the balance that was settled two and a half years ago. I contacted the company spoke to a representative who was unhelpful told me everything that I was saying was a lie told me they had no record of my payment they do n't talk to the DMV they do n't have any record of anything that I did in XX/XX/XXXX that would have released my license. So I asked who do I dispute this with. They gave me no answers gave me the run around and only wanted to obtain payment for a debt I have paid off two and a half years ago. I then spoke to a manager who is equally as rude and unhelpful gave me no information except for the fact that there was no correspondence between the collections agency and myself in the last 3 years. Stating the last letter they sent me was XX/XX/XXXX. So I asked why would you guys not contact me for 3 years if I owed it. But she could not answer. She also could not answer who I made the payments to or give me any records or information from the conversation that released my license in XX/XX/XXXX.
01/03/2017	Yes	Debt collection Other (i.e. phone, health club, etc.)	Cont'd attempts collect debt not owed Debt resulted from identity theft	CA 934XX	Web
I was recently the victim of identity theft via a massive data breach last year with my former health care insurance company, XXXX. I received a bill for cell phones purchased in my name from XXXX in XX/XX/XXXX of last year and immediately called and reported it with XXXX in XXXX 's Fraud Department on XX/XX/XXXX. She helped me report the account as fraudulent as she assured me the account was marked as " fraud '' and closed. I have continued to receive bills from XXXX and now also received a collection notice from GC Services Limited Partnership. I called XXXX to inquire about why they would have turned over a closed fraud account to a collection agency, and I could not get through to anyone via telephone in the XXXX Department for help. I was referred to a website dispute form to fill out and submit, by All Clear ID ( a credit monitoring and assistance company hired by Anthem to assist their ID theft victims ). This dispute form states clearly that XXXX has 30 days to respond. When I spoke to XXXX XXXX at GC Services Limited Partnership, she said that she can place the account in a dispute status only until XX/XX/XXXX and then it will be reported at all credit bureaus. Since I can not obtain my police report for a week, it would seem that XXXX has made it impossible for me to remedy this situation that I am completely not responsible for, in time to prevent my credit from being affected. I am now forced to seek legal remedies from XXXX due to their unethical practices and refusal to help me in any way other than a process they have devised to allow them to take advantage of anyone who has been victimized by fraud. I have been victimized by Anthem 's lack of data protections for it 's customers, and now I am being victimized by XXXX for an account that I did not open.
02/04/2017	Yes	Debt collection I do not know	Improper contact or sharing of info Talked to a third party about my debt	GA 30309	Web
On Friday XXXX my sister received a call/voicemail on her personal cell phone asking for me by my nickname ( not legal name ). The caller was XXXX XXXX asking to return call to XXXX XXXX. My sister called me worried that there was a problem ... I returned the call and XXXX XXXX did not identify herself as working for a debt collection agency until I asked specifically. XXXX XXXX requested personal identifying information before identifying her companies business. I refused to provide information beyond my birth year which confirmed the alleged debtor was not me. I asked XXXX XXXX which company she worked for and she told me XXXX. I then asked why they would contact a family member for debt collection for a debt which was easily identifiable as not mine. I asked XXXX XXXX for her companies federal tax ID number for complaint purposes and she said she was unable to provide it. I was then transferred to a supervisor who identified herself as XXXX XXXX. XXXX XXXX identified her company as GC services which is incorporated in the state of Texas. XXXX XXXX again refused to provide a federal tax ID number. She refused to tell me if the company had any DBA 's or subsidiaries. She then refused to provide me a contact number for herself. She also attempted to acquire personal identifying information from myself and did not disclose the purpose of the phone contact. In Summary XXXXGC Services contacted a relative on a personal cell phone regarding a debt that was easily identifiable ( even by birth year ) as not belonging to me.. when contacted the company representatives did not disclose their purpose and asked for personal identifying information. Management then refused to provide company information even so much as a contract phone number extension.
08/12/2020	Yes	Debt collection Credit card debt	Written notification about debt Didn't receive notice of right to dispute	LA 70458	Web
I had a credit card with the XXXX XXXX ( XXXX ) before my husband was laid off. We never missed a payment before his layoff. When we was notified about his layoff last year. I call XXXX XXXX ( XXXX ) and let them know what was happening and ask if their was a way to suspended the account. They told me no and that we would have to figure out a way to make the payments on the {$500.00} limit credit card. When we had to stop making payments we only owed around {$300.00}. Fast forward to XX/XX/2020, I called XXXX XXXX ( XXXX ) to try to arrange a pay to delete on the account that now has gone up to {$700.00}. I am told that the account was sold 3 days previously to GC Services and that I must call them. I have never received any validation from them on this debt. But because this is destroying my credit in the middle of my husband and I trying to buy a house I wanted it off of my report fast. I called GC Services on XX/XX/2020 and spoke to XXXX and asked to do a pay to delete and offered {$400.00}. She spoke to her mangers and asked if I could pay {$490.00}. I agreed if she agreed that this would make it paid in full and and not a charge off and she said that it would and I would receive a letter in the mail stating that. Again this was only a {$500.00} limit credit card. I received 2 letters in the mail from GC Services, The first saying they received my payment and my account is settled. The next is stating the date of XX/XX/2020 and the amount of {$490.00} I paid to settle my account. Neither one stating what she agreed to. After the payment cleared they still have the account as a charge off and change the amount from {$700.00} to {$210.00}. I have the whole conversation recorded because I had a feeling they might do something like this.
10/09/2019	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt was already discharged in bankruptcy and is no longer owed	CA 91367	Web	Older American
On XX/XX/2019 I was referred by XXXX XXXX Court House to contact G.C. Services to pay a ticket/violation ( ticket # XXXX ) that was outstanding to renew and release my California Drivers License. I contacted G.C Services same day XX/XX/2019 provided them the XXXX XXXX Court House information and the ticket number. I also pointed out to G.C. Services that the payment process and turn time was essential for my new employment ( identification, fingerprinting, I-9, etc. ) at that point the Agent brought in a Manger who indicated they would definitely process and notify DMV within 3-business days. To date XX/XX/2019 G.C. Services has not notified XXXX XXXX Court House that I have paid the ticket and therefore DMV has not been notified to release my drivers license. The employer I was to began work on XX/XX/2019 pending the completion of my identification, fingerprint, and I-9, has given me a deadline to provide this information. I have called G.C. Services over 15 times in the past 2-weeks and they have failed to respond or provide the XXXX XXXX Court with the documentation required by DMV. On XX/XX/2019 I called G.C. Services to file a complaint with their management. At that time G.C. Services Agent indicated that they made a mistake and applied my payment of {$260.00} to the wrong account. The Agent also told me I must wait until sr. management review my account. This is unacceptable! this has caused and impacted my employment and creating significant financial hardship. I have attached the document ( s ) provided to me by XXXX XXXX Court House to provide to G.C. Services that identifies the XXXX XXXX court and the Ticket # of the citation for me to pay. This information I provided to G.C. Services verbatim.
03/23/2018	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Account status incorrect	CA 90015	Web	Servicemember
XXXX Closed my credit card and I disputed it without any valid reasons. My husband joined a freedom debt relief to help him and they chose to cancel anyway. I disputed for 2 years. I gave up and then XXXX sent my account into collection with a company called GC Services Limited Partnership acct # XXXX at XXXX XXXX XXXX TX XXXX. I have been paying my XXXX CC that is closed with auto payment from my XXXX Checking account I have had for 19 years. I have never missed a payment nor been late they have been pulling the payments out each month. XXXX reported that I did not make my payments in XX/XX/XXXX & XX/XX/XXXX and XX/XX/XXXX, XX/XX/XXXXand XX/XX/XXXX. They then reported my account as a charge off since they have been reporting my account was not paid. The result of these late reporting, failure to pay and charge offs have caused my credit report score to reduce by over 100 pts. I contacted XXXX, GC services by phone, mail and fax numerous times. I contacted GC Services as XXXX would not speak with me to get a resolution. I asked about settlement because I wanted to purchase a home. XXXX XXXX failed to tell me if I did that it would impact my credit report negatively. I made a {$830.00} payment directly to GC Services and still continued my monthly payment. I contacted my real estate agent to get advise about what GC Services told me and she advised me not to do so I contacted XXXX same day and told him I did not want to settle that I would continue making payments. He said okay no problem but advised me incorrectly and said there was nothing he could do. XXXX sent me this letter I will attach on XX/XX/XXXX stating information I sent was wrong. The payment history from my bank account I will attach.
05/10/2016	Yes	Student loan Federal student loan servicing	Can't repay my loan Can't temporarily postpone payments	OH 44130	Web
I have a loan from XXXX, I 've made payments along the way, I 've filed for forbearance and economic hardship back in XXXX and XXXX. I received a call at work last week from a collection agency, I have no idea how they got my work number, I gave them my cell number, I had a talked to a young lady who asked about my income and wanted to know my family size. I received a letter stating that I need to give them a copy of my prior year tax return, IRS transcript or an authorization for IRS transcript. They are not the originator of the loan. I requested a copy of the original loan and was told it would take 6-8 weeks to receive a copy. I do not feel comfortable giving this information to them. The young lady told me that she could have called my payroll office to get the information to begin garnishment, but she wanted to talk to me first to see if I could provide her with the information. At this time I am just getting by with what I make, I can not afford to pay anything right now. They want to get me enrolled in a " 15 % rehabilitation program '' only to have someone else purchase the loan after I make " 9 qualifying payments. '' The company is out of Texas, but they call from a local number, they also an OH address on the letter. They are giving me 30 days to give them this information. There is a note at the bottom that states the amount owed, but because of interest, late charges, and other charges that may vary from day to day, the amount due on the day you pay may be greater. That statement makes no sense, how can a payment plan be calculated if the charges may vary day to day? Please Help! Is this legal? Do I have to give them this information? Can they garnish my paycheck?
02/26/2018	Yes	Debt collection Federal student loan debt	Took or threatened to take negative or legal action Threatened or suggested your credit would be damaged	CO 80015	Web	Servicemember
I received a letter from GC Services Limited Partnership about student loan debt I owed. I called them the week before XXXX, XX/XX/2017. I provided my financial information over the phone to them to get me qualified for a rehabilitation program. I was provided a payment amount and made my first payment that day. I waited for the paperwork to come, signed it and sent it back. A few weeks later I was called and told that I owed a much higher payment amount and needed to make that. So I agreed, made that payment, waited for paper work, signed it and returned. This continued on every month since. I get a phone call advising my payment is again much higher than previously stated, no one can give me a reason why and I just have to make the payment or I will have my wages garnished. I've tried working them for over 3 months now to get this plan started so I can improve my credit and get this behind me but they continue to have problems on their end that I end up suffering for. No one will give me any credit for the already {$800.00} I've paid them. The program works so you make a monthly payment for 9 consecutive months and then you're student loan debt is put back in good standing and you can apply with a different servicer to lower your payment. So after 3 months and {$800.00} they refuse to give me credit for those payments at no fault of my own, which they even admitted on the phone!!!! I can't deal with this company. They should not be in the debt collection business and I feel like I was just scammed from them. Can someone please contact me to help get this company out of business so this does not continue to other borrowers who just want to improve their credit scores.
10/20/2016	Yes	Debt collection I do not know	Communication tactics Frequent or repeated calls	CA 94519	Web
Missed call from XXXX on XXXX XXXX, 2016 at XXXX Caller left a voicemail : three seconds of silence. Missed call from XXXX on XXXX XXXX, 2016 at XXXX Did not leave voicemail. I called the number back and received the message " We 're sorry, you have reached a number that has been disconnected or is no longer in service. '' Received call from XXXX on XXXX XXXX, 2016 at XXXX They asked for an individual that was not me. On this call I learned that they were GC Services LP and given the phone number XXXX. I asked for more information about the call and how they obtained my phone number, but was not given a clear answer. One method they said was a database, that the company gathers information. Another method they said that the individual that they were trying to contact had written my phone number down, but quickly retracted the statement. After a few attempts, I was able to be connected with someone who was able to provide me their mailing address, XXXX , Ohio , XXXX. I asked if they would be able to confirm that another phone number belonged to them, [ hoping to confirm whether or not the XXXX number belonged to them or another telemarketer ] but they said that they do n't always know what phone numbers show up when they call. I then told them that my phone number was not a good contact phone number for the individual that they were trying to contact and asked to be taken off of their contact list. I then called XXXX to try to verify the XXXX phone number, but they were unable to assist with that issue. The operator did say that I was put as a reference for the individual that they were trying to contact and that is why they were calling me.
09/17/2020	Yes	Debt collection Credit card debt	Attempts to collect debt not owed Debt is not yours	CA 94546	Web
In XXXX of XXXX I went into a XXXX store to buy a suit. I intended to pay cash ( debit card ) for this item. A zealous store clerk said I could get 20 % off the suit if I opened an account. I told her I did not need an account and still wanted to pay cash. She said I would still get the discount for opening the account. The suit was {$220.00} and {$180.00} after the discount. I gave her my debit card and left. In XXXX, I checked my credit file and found I had a collection on my file from XXXX for almost {$500.00}. Of course my first thought was that it was credit fraud and disputed it accordingly. The said it was that suit from XXXX and the accumulated late charges and interest. I had not received any notification of an account or any bills for it. I went back and checked my bank statements and found that indeed, there was no {$180.00} charge from XXXX in XX/XX/XXXX..so that clerk apparently added this to the new account and did not charge my card. I certainly want to pay for this. And I would even forego the discount for the account and pay the full {$220.00}. I hired a firm to represent me to get this taken care of. XXXX said they could not talk to them because the account was placed with a collection agency. The collection agency will not talk to this company even with my signed power of attorney OR my personal permission to speak on my behalf. I am now at a place where I can not resolve this issue that was not my fault to begin with. I would like for CFPB to publish my issue so that thousands or tens of thousands of others don't get caught in this loop where they can not correct an error.
12/08/2015	Yes	Debt collection I do not know	Cont'd attempts collect debt not owed Debt is not mine	FL 331XX	Web
I, and the father of my son who does not even have the last name and lives in another state -who have nothing to do with a debtWe have both been contacted illegally, HARRASSED by : XXXX XXXX ofGC services collection agency - XXXX XXXX. He said a 'personal matter from a collection agency '. The father of my son, with a different last name and I have a strain relationship and to ad this harassment on collection calls that are not relevant to me or my son should be stopped and reported for illegal practices. This call has placed a strain on my relationship with the father of my son, whom I am not married to and he has NO relationship to the person they are calling for and say has a debt. A XXXX year old person. And calling my phone number XXXX times and to ask for her when my phone clearly is listed under my personal name. This tactic of harassing everyone in search of the XXXX year old person whom they say has a debt - has no relationship to what ever reason they are calling for collections, is stressful and should be illegal to call people that have no relation or even the last name - in this case I repeat calling the father of my son who is not related to the person they say are trying to reach. And dialing my phone 5 times for something I have no relationship to such debt is harassing. GC SERVICES, XXXX X XXXX XXXX XXXXSHOULD NOT BE HARRASING PEOPLE IN THIS MANNER FOR SOMETHING THAT HAS NOTHING DO TO WITH THE ACTUAL PERSON THEY SAY THEY ARE TRYING TO REACH FOR COLLECTIONS. THIS COMPANY SHOULD BE STOPPED FROM THESE PRACTICES IMMEDIATLY TO AVOID THIS TO HAPPEN TO OTHER PEOPLE. Thank you.
05/29/2019	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt is not yours	VA 238XX	Web	Servicemember
I have received 2 phone calls within 8 hours. The debt is not mine it is my fathers I understand they have a job to do but they only call just give me their name with out a company name and reason for calling till I tel them my name. My father and I have the same name which I also understand can become confusing. The two individuals that did call me as soon as I gave my name then went into a ti-raid about me owing a debt and they are a collection agency and I had to raise my voice so they would be quite and so I could ask a question which is what is the age of the person they are looking for at which time I told them that I am 30 years younger and they have the wrong person and I ask where did they get my number from they said its on the file and if I could give them my fathers phone number. I asked for the company that gave them my phone number erroneously and they said they can not give me that information I told them on the first call fine just take my number off the list, it is not his number nor has it ever been his number and they need to get the right number from the company that he is in collections for, the first lady said she would take my number off. Now 8 hours later same thing happens and I even talked the manager on duty told me the same thing and since I'm related they can not take my number off the record, which tells me that I will be getting constant harassing phone calls for something I did not even do or have control of. I have good credit and have never had issues since I was very young but for GC Services to harass me because my elderly father is a bit extreme.
11/17/2017	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt is not yours	WA 98422	Web
In XXXX of XXXX I ordered an XXXX from XXXX using their online store for a total of {$770.00}, when I made the order I mistakenly ordered a 9.7 inch XXXX when I wanted to 12 inch. I immediately called XXXX to change the order, the agent on the phone took the new order and canceled the original order. XXXX mailed both XXXX to my home address and started billing me for both XXXX including ; {$32.00} per month for the tablet purchase {$10.00} per month for the carrier access fees {$34.00} per month for the highspeed data When I received the devices I notified XXXX by phone they had sent two devices and I need to return one. They said they would send a return shipping label for the device, but that did not arrive. Over the course of 6 months I made repeated attempts to return the device with XXXX via phone, eMail and store visits. From XXXX until XXXX I consistently paid the bill in full every month despite the over charges for the XXXX. It should be noted I had a number of devices in addition to the iPad in question. In XXXX of XXXX I was finally able to return the device to XXXX, but out of frustration I canceled all services with XXXX and returned the remaining devices. I was credited {$760.00} for the XXXX, but given no credits for the services ( 6 Months * $ {$44.00} = {$260.00} ). XXXX then started to charge additional fees for other devices returned and for base cell service ( Given a base charge would be shared with the other devices ). Now XXXX has recharged for the tablet and is again charging services for a device I did not order, was delivered in error and returned.
05/10/2017	Yes	Debt collection Federal student loan debt	False statements or representation Attempted to collect wrong amount	OH 44646	Web
First, some of your choices did not apply to my problem. I only selected them so I could proceed. The first paragraph below is my first contact with the XXXX of Ohio XXXX . General regarding GC XXXX XXXX Partnership/Gulf coast Services/ Operations Division. They in turn, contacted them about my complaint. I have attached a copy or their atty 's response. Below is a summary of my problem : FAIR DEBT COLLECTION PRACTICES ACT. I have student loans. Through a collection agency I made arrangements for pmt in XXXX XXXX and was assured by employee, that I was not certified for my tax refund to be taken. It was. On XXXX the agency mgr said he would listen to recorded ph calls & get back to be by XXXX . He did not and will not respond to my calls. To me, this deceitfulness regarding the offset and the refusal of the mgr to return my call is a blatant violation. In return, the atty said he has been disciplined. You do n't discipline someone of they are NOT GUILTY! Please review the attachment. In addition to the above matter, my initial contact with the agency was with agent XXXX XXXX . We did not have a congenial conversation and when she hung up, she called me back and called me a XXXX . I suspect it was on her personal phone, and so it ca n't be proven. However, I believe it was on XXXX XXXX , XXXX about XXXX . Those calls could be listened to. I had also told Mgr. XXXX XXXX about this in my conversation with him on XXXX XXXX , XXXX . I 'm confident this was covered up as well. I look forward to your response. XXXX XXXX
04/28/2018	Yes	Debt collection Federal student loan debt	Attempts to collect debt not owed Debt was already discharged in bankruptcy and is no longer owed	AZ 85210	Web	Servicemember
My first contact notice from GC Services ( XXXX XXXX ) of XXXX, Tn. was in XX/XX/XXXX of XX/XX/XXXX, and I responded with an explanation and a packet of information showing the debt had been dismissed in bankruptcy in XX/XX/XXXX ( Certified mail receipt XXXX XXXX XXXX XXXX XXXX ). The second notice was in XX/XX/XXXX of XX/XX/XXXX, and company ignored my formal request ( s ) for them to provide written proof that the debt HAD NOT been dismissed. I answered the second notice in XX/XX/XXXX( Certified return receipt : XXXX XXXX XXXX XXXX XXXX ), disputing the debt, and re-iterating that the debt had been dismissed. I once again asked them to provide documentation showing they had a valid, collectable debt. I never received a response to either of my requests. Twenty ( 20 ) months later ( XX/XX/XXXX ), I received another collection notice that implied I had been avoiding their collection attempts, and they threaten to take other action ( s ) against me. I responded again summarizing the previous Two ( 2 ) responses, and informing them I was disputing the debt, had not re-affirmed the debt, and informed them they were in violation of Federal Collection laws by not providing the requested documentation and continuing with collections. My response was sent Certified with return receipt XXXX XXXX XXXX XXXX XXXX. It was received by the collection agent on XX/XX/XXXX. The collection agent wrote yet another notice that same day, requesting payment, and once again ignoring the fact that the debt had been dismissed, and ignoring my requests for documentation.
05/12/2016	Yes	Debt collection I do not know	Disclosure verification of debt Not disclosed as an attempt to collect	CT 062XX	Web
I am currently disputing multiple errors on my credit report, and have been threatened in the past for bank accounts I do not have. I have been called from XXXX to XXXX daily for months by a man giving his name only. He will not tell me what the debt is regarding, and has refused to tell me anything until I give my full address and verify my full name. I have no idea who this man is, and he calls from various numbers. I told him that until he sent verification or disclosed anything about why he was calling, I could not verify my name. The most upsetting part is that I had a major accident XX/XX/2016, and have XXXX. Basically, I have had XXXX, and this one was so bad that I had to wait months before I could form sentences, and my XXXX is still recovering. This man called during this time, in XXXX 2016, when my memory was spotty. I do n't remember speaking to him except to tell him that I had a concussion and was not ableXXXX to speak well or remember, but when I checked my credit report ( XXXX ), an unknown account was charged off because of whatever I said when I was recovering from a XXXX. The date is the same, and it 's quite a coincidence. I 'm disputing the account, so should he be calling me? It took a lot of time, XXXX, but I believe this man, XXXX something, who last called from XXXX on XXXX/XXXX/2016, ( it 's now disconnected ), has been harassing me for some debt I can not trace, even on my credit report. I have student loans, but in deferment because I 'm XXXX, and no other debt collection calls. This is crazy! What can I do?
02/12/2016	Yes	Debt collection I do not know	Communication tactics Frequent or repeated calls	FL 33606	Web	Older American
Since XXXX 2015 I 've received numerous calls on my prepaid cell phone which has been on national do not call list for years. The caller ID shows that the caller is XXXX. I tried calling back that number today and was put on an endless loop of " Your call is very important to us. Please continue to hold for the next available rep. '' After 5 minutes of waiting on hold I hung up. Next I called the number given in the many voice messages left on my phone by this caller. The voice msg only said call XXXX XXXX at XXXX. It did not identify any company. I waited on hold for approximately XXXX minutes with the same message repeating over and over and finally XXXX XXXX picked up. i asked to speak to XXXX XXXX. She said XXXX was away from her desk. I asked XXXX what the name of her company and she said GC Services representing the state of Illinois XXXX XXXX XXXX and asked me if i am XXXX XXXX. I asked XXXX what the call was about and she said this is an attempt to collect a debt. I said what debt. She said the state of Illinois XXXX of XXXX. XXXX also asked me to verify my social security number but I refused to confirm or deny that. I told XXXX I 've never lived in Illinois, I have her on speaker and do not call me anymore. It 's my understanding that these kind of debt collection calls are very common right now. Somebody should look into this. What good is a National " Do Not Call '' registry if anyone can get your cell number, annoy you, waste your precious prepaid minutes and your time and get away with it?!
10/01/2017	Yes	Student loan Federal student loan servicing	Dealing with your lender or servicer Received bad information about your loan	PA XXXXX	Web
On XX/XX/XXXX, I submitted a complaint # XXXX. I submitted this complaint to request that CFPB help resolve, help bring awareness and help bring relief to a very serious, and now illegal, issue .XXXX XXXX XXXX was and is garnishing my wages for over a year now. they have never offered any XXXX/Student Loan forgiveness or forbearance to me at anytime. At the time of the first complaint I had no correspondence from the loan agency, XXXX XXXX XXXX claim they are collecting for, for over 5 years. ( I am XXXX years old, I graduated in XXXX. ). Prior to this I was told by the loan agency that I should wait for a reply to my multiple request tor XXXX and/or Student Loan Forgiveness, Forbearance, etc. A year ago I received a letter stating that my wages would be garnished. I was not given a hearing to attend on this matter of over {$25000.00} and no legal rights to state my opinion or provide proof of evidence in the matter.to the judge at this hearing. I then saw that money was taken from my pay on the statements without documented calculation, pay schedule, etc. AND IT IS STILL BEING TAKEN ( I do not even know the amount until after it is taken ... ... .each week ). I was told that there is a CLASS ACTION LAWSUIT against companies that are garnishing monies from prior students without the option of forgiveness or forbearance, etc ... XXXX I will be sending CFPB presented documents as I continue conversations to be included in the lawsuit where ever I am directly connected. Sincerely, XXXX XXXX.
09/02/2018	Yes	Student loan Private student loan	Struggling to repay your loan Problem lowering your monthly payments	CA 90292	Web
I want to file a complaint against GC Services Limited Partnership, XXXX XXXX, XXXX, Tx. XXXX. For the past 6 years I have been attempting to arrange repatment of defaulted student loans. The company has harassed myself and my family members even though I have reached out on a regular basis to resolve my debt. My parents wound up paying them {$13000.00} to resolve all my debt and they took it and said it only applied to one loan and that I still owe 35000+ in debt. They have threatened to take 15 % of my pay even though I pay XXXX monthly directly to the Dept of Education. Over the years I have contacted the dept of education directly to complain and request that my loans be transferred to another company, and was informed this could not be done. I feel depressed when I hear that there is no resolution to get my loan out of default status no matter what I pay. They told me I could pay them directly the XXXX dollars instead of paying the dept of education directly and I should have known there was a catch. Now they are sending me letters telling me I have to sign away my rights to fight any current or future garnishments in order to maintain my curreny agreement. This company has countless complaints online and has also been sued by the FTC. They are not providing fair services and make people feel completely worthless and hopeless. I want my loan transferred to a new company and I want my loan pulled out of default status so I can continue to pay monthly without future harassment.
08/03/2016	Yes	Debt collection Other (i.e. phone, health club, etc.)	Disclosure verification of debt Right to dispute notice not received	DC 20018	Web
I did not sign, endorse, authorize and or consent to any contract or applications that created any inquiries with the listed corporation, agency and or company. Moreover, I have not applied for, neither received any services or credit with ( " GC Services '' ). I have no accounts and/or contract with ( " GC Services '' ), nor do I wish to contract with you. I do not authorize or consent to the release, transferring, selling, intrusion, data sharing, etc., of my private and/or personal identifiable information. This includes all file ( s ), contract ( s ) and or information containing the name ( s ) " XXXX XXXX XXXX, including but not limited to addresses, email address, social security number, credit card information, phone numbers, etc. in any variation, spelling or derivative. I do not consent and/or authorize the disclosure, publicizing or revealing of any information pertaining to me to any third party entities ; data broker services, direct marketing services, directory services, sponsors and entities in which ( " GC Services '' ), is acting as an agent ( s ), licensee, joint venturer, publisher and or any other services that are affiliated with ( " GC Services '' ). Further, there being no permissible purpose to obtain my Consumer Credit file, I request the unauthorized inquiry be removed from my Consumer Report immediately and a copy of such deletion mailed to me. This is an attempt to correct your records and any information obtained shall be used for that purpose.
08/16/2018	Yes	Debt collection Other debt	Written notification about debt Didn't receive enough information to verify debt	NJ 07201	Web
Dear Sir or Madam : I am writing to dispute the following information in my file. GC SERVICES Reported on XX/XX/2018 for the amount of {$280.00} This item disputed by GC Services ( On behalf of XXXX ) is inaccurate and incomplete because GC Services had the wrong contact information in my file. They had the wrong mailing address and the wrong email. Even though they had the right phone number, I never received a phone call from them to make me aware of the outstanding balance. GC Services did not ever communicate with me, not once. I never received a letter or message from them. I learned today about the derogatory remark through my XXXX XXXX account, and immediately called GC Services ( XXXX ) and spoke to their representative XXXX XXXX, who made me aware of the situation and updated my contact information. This situation is unfair and it does not follow regulations which state that I should have been informed and given a chance to pay this balance before reporting it as a derogatory remark. I don't have a letter or email from GC Services informing me about this amount to upload for your review. I have nothing from them. I was the one who called today, even though they had my phone number on file. I am requesting that the item be removed to correct the information since I was never notified about it and made a payment as soon as I knew about it! Please reinvestigate this matter and delete the disputed item as soon as possible. Sincerely, XXXX XXXX
03/16/2017	Yes	Debt collection Other (i.e. phone, health club, etc.)	Cont'd attempts collect debt not owed Debt is not mine	TX 76705	Web
In 2014 I was approved for in store credit with XXXX. I went and purchased a washer and dryer. A week later the merchandise was delivered but it had been damaged, scratched and dented up. I asked that it be replaced, a few days later they showed up with new merchandise but this was damaged as well. It was replaced a third time with more damages so I went into the store and spoke with the manager and had my account closed, they refunded my deposit and scheduled for the merchandise to be picked up. This all happened before my first payment was ever due. Now 3 years later it is on my credit report as if I still have the merchandise and as if I never made payments. My account was closed and merchandise was returned so why would this be on my credit. Now XXXX has sold my debt to a collection agency making it look really bad on my credit. It needs to be removed from my credit as it is a false debt and not mine. I refuse to pay for a debt that XXXX created based off of their wrong doing. I have fought and pleaded to have this resolved over the years and all they are telling me is to pay the debt, even though it has been acknowledged by the store that they were in the wrong. Every time I call they said they cant find my account but now I am getting collection letters with my account number on them. I feel they are saying they cant find it because they do not want to help me resolve the issue and get it removed. Please help me!! You are my only and last option.
09/21/2017	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt is not yours	CA 902XX	Web
I was on a month to month no contract plan with XXXX, which I maintained for roughly 4 and a half years. I switched to XXXX XXXX in XX/XX/XXXX of 2017. I have now received a collections notice from GC Services ( XXXX XXXX XXXX XXXX Mi XXXX phone # XXXX ) on behalf of XXXX. They claim that I owe them multiple months of service fees. I have called XXXX to explain that I never had a contract with them and had always been month to month. As Expected the first person I as able to reach at XXXX tried to tell me that I signed a " 2 year commitment '' to XXXX. the second person tried to tell me I agreed to a plan I literally had never even heard of before. Let me be clear, I have never signed any commitment of " contract '' with XXXX for anything other than month to month service. XXXX at no point in my use of their service extended any credit to me. if my bill was not payed at the end of the month my service immediately cut off, which is what happens when you are month to month. The Representative lied right to me over the phone. I then asked the representative for XXXX to provide me with a copy of my contract showing my agreeing to this " commitment ''. No copy of contract was provided to me and no answer of any kind was provided as to whether there is any record of a contract between XXXX and I. Their collection agency GC services has been calling me everyday since, sometimes 3 or 4 times a day. This is utter and total harassment on a daily basis.
04/14/2020	Yes	Debt collection Other debt	Took or threatened to take negative or legal action Threatened to arrest you or take you to jail if you do not pay	CA 90012	Web
GC Services has been charged with collecting a ticket debt of mine issued by the XXXX XXXX XXXX XXXX in XXXX XXXX, CA. I had a fix it ticket in XXXX of XXXX, which I responded to by sending in proof of insurance. The courts claimed to have never received the paperwork and put the ticket into collections. I found out when receiving a mailing in early XX/XX/XXXX that had been forwarded from my old address to my current home. The original mailing was dated XX/XX/XXXX. I called the courts first and they told me that since the account had been handed over to GC services, they were the only people who could accept payment for my ticket. Because of the delay in the mail forwarding, my license has been suspended and I am not legally allowed to drive. I was supposed to receive testing for XXXX due to my symptoms and could not get to the doctors appointment, not wanting to endanger the life of a rideshare driver. I have called GC services three times. Each time, I have been on hold for more than an hour waiting to speak to apparently the only people in the world who have the power to un-suspend my license. One time the call went as long as an hour and twenty two minutes. At the end of all three attempts, after hearing hold track that repeatedly said " someone will be with you shortly '' The call got hung up. They aren't doing their jobs, but the government has still given them sole power to release people 's drivers licenses? This disgusts me.
09/18/2020	Yes	Payday loan, title loan, or personal loan Installment loan	Struggling to pay your loan	TX XXXXX	Web
XXXX XXXX XXXX GC Services Debt Collector File Number : XXXX XXXX XXXX XXXX Total amount owed {$1000.00} as of Monday XX/XX/2020 with GC Services Payment made on XX/XX/2020 in the amount of : {$200.00} to GC Services due to feeling pressure to pay. Total amount to be paid is {$1200.00} to GC Services Original Loan was a smart loan with XXXX XXXX or XXXX XXXX XXXX XXXX XXXX XXXX Texas XXXX. XXXX XXXX XXXX, TX XXXX XXXX Loan number is : XXXX Taken out on XX/XX/2020 Original Loan amount was : {$1100.00} As of today XX/XX/2020 the principal balanced owed to XXXX XXXX XXXX Texas is {$960.00} and the Principal and Interest Balance owed is : {$1200.00} with my payment made on XX/XX/2020 in the amount of {$200.00} reflected ... GC Services took over collection for this smart loan. For my checking account number ending in : XXXX I owe an overdraft balance of {$100.00} a balance I have been making payments on to XXXX out ... XXXX XXXX refused to allow me to pay my overdraft fees and balance on my checking account first and insisted I pay off this smart loan first ... All the same I did make some good faith payments to my overdrawn account to bring that overdraft balance down to a XXXX balance..I will continue to do this till that overdraft balance is paid in full ... I also tried to call about my smart loan but was asked excessive security questions and was then refused help after waiting on hold for a total of thirty minutes ...
07/12/2020	Yes	Debt collection I do not know	Communication tactics You told them to stop contacting you, but they keep trying	TX 78665	Web	Servicemember
NOTICE TO CEASE AND DESIST Re : Stop ALL Debt Collections Calls 2nd Request Dear GC Services ( GCS ), LP, This letter is in response to the many phone calls I have received from You at the following telephone numbers : GC Services ( GCS ), LP I.d . Call Log Day Time Phone # XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX According to the Fair Debt Collection Practices Act, specifically 15 U.S. Code 1692c. this is my formal declaration to terminate and cease ALL communication from You in regards to the debt You are attempting to collect. In response to the Cease Communication letter, in accordance with the Federal Fair Debt Collection Act, You may only contact to inform me that there will be no further collection efforts or to notify me that a specific action will take place. Please be advised that I am well aware of my rights and know that any further contact by You or Your Company, except a communication confirming your acknowledgement of this letter, is in violation of the Fair Debt Collection Practices Act. In addition, any third ( 3rd ) Party that You use to coerce the collection of this debt shall also be in violation of federal law. If You do not cease communication a lawsuit will be commenced against You. This letter has been sent by certified mail with return receipt and shall be presented to any court of proper jurisdiction if communication is to continue. Sincerely, XXXX XXXX XXXX
07/19/2017	Yes	Debt collection Other debt	Written notification about debt Didn't receive notice of right to dispute	GA 30144	Web	Servicemember
I have been shopping for a refi on mortgage and found out that I had a collection on my credit report of XXXX. It indicates GC Services ( XXXX XXXX ) as the collection agency. I called XXXX on XXXX XXXX XXXX, paid the balances owed. I informed XXXX that it states GC Services on my credit report and I need that to be deleted. I informed XXXX that I have never been contacted by GC Services by phone nor mail. I did not know who this company was. XXXX stated that it would take 48 hours to delete the account from my credit report. I waited and nothing happened. I since sent a validation letter to GC Services asking for validation. I also made them aware that no one from their company had ever discussed or contacted me about their collection and I would like this to be removed from my credit report. It has created negative reporting and has / is affecting my score tremendously. On XXXX XXXX, I called GC Services and was told this was an attempt to collect a debt and it will not be removed from my credit report because they do not delete anything from your credit report. I believe that that my rights have been violated, as I never had any type of agreement with GC Services not written, verbal etc..GC Services should not be allowed to report any information on me. We have never had any type of contract between us. Also XXXX falsified information to me as they informed me that the credit report would be corrected with 48 hours of payment.
03/09/2019	Yes	Debt collection Other debt	Written notification about debt Didn't receive enough information to verify debt	OH 43224	Web
To Whom It May Concern, The reason for my dispute is G C SERVICES XXXX was required to notify me no later than 30 days after furnishing the negative information to credit bureau reports, in writing ... under such section 623, subsection ( 7 ) ( A ). However, in my records I am unable to locate documentation that they complied with this requirement, which is a violation of the FCRA & FDCPA. Also, G C SERVICES failed to give me my " Mini-Miranda '' five days prior to placing this derogatory item on all of my credit reports, per Section 807 ( 11 ) & FDCPA 809, which is {$1000.00} per violation and the state of OHIO allows treble damages. Under 809. Validations of date and Mini-Mirandi under Section 807 ( 1 ) G C SERVICES failed to send me my initial communication before placing this alleged item on my credit reports further violating the FCRA, with {$1000.00} per violation. G C SERVICES is held liable as well for defamation and in the state of OHIO a creditor is who collects their on debt is considered a debt collector under 1319.12 Taking assignment of debts. FDCPA I fail to see where G C SERVICES is in compliance with OHIO LAW. I also believe that this business is not registered to operate in the state of OHIO I expect this collection account to be removed from my credit report. G C SERVICES. has not even tried to contact me regarding this collection account. Please have them remove this collection account immediately. Thank you!
07/06/2017	Yes	Student loan Federal student loan servicing	Dealing with your lender or servicer Trouble with how payments are being handled	TX 75044	Web	Servicemember
From XX/XX/XXXX -XX/XX/XXXX I underwent an administrative wage garnishment. At the time the garnishment was levied I was under a loan rehabilitation program. Be cause the collection agency failed to properly certify my employer I was garnished at a percentage ( 25 % ) above the legal limit of 15 %. I only had four months left of rehabilitation but I could not afford to continue the plan because I was unable to comply while trying to resolve the garnishment amount being withheld. It took 17 months for the improper garnishment to stop. I was charged {$10000.00} for this collection agency ( GC Services ) to collect on my defaulted student loan. I requested a hearing from the U.S. Department of Education and asked them to apply the excessive amounts as voluntary. They refused. After 2 years they refunded the amount ( {$5200.00} ) then charged me interest and penalties along with the collection costs on refunded amount for those 37 months. I remained in garnishment until XX/XX/XXXX when the garnishment ended. ( {$29000.00} ) The Department of Education stopped responding to me and I thought I was done. Then in 2017 another wage garnishment was levied by the Department of Education for another $ 77,000.00+ It appears that the U.S. Department of Education would rather you remain in default for your entire life. Because my hearing was denied and a " records review '' was conducted I was not afforded due process.
04/23/2019	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt was paid	MI 48329	Web
On XX/XX/XXXX, I contacted XXXX ( cell phone carrier ) to close my account. I spoke to a manager who informed me that I needed to pay a balance of {$82.00}. I paid this amount using my XXXX credit card ( statement attached ). I was told my phone would be unlocked in a few days, which it wasn't. I phoned XXXX on XX/XX/XXXX to find out why my phone had not been unlocked ; they put through the request again and a day or so later my phone was unlocked. I activated a new cell phone account with XXXX XXXX XXXX ( email confirmation attached ). I kept getting emails from XXXX indicating a balanced owed. I phoned on XX/XX/XXXX ( 17 minutes ) to once again ask XXXX to cancel my account. I received another payment request, but each month they were adding charges to my bill. I phoned on XX/XX/XXXX ( 22 minutes ) and the representative assured me that my account would be closed and remove any remaining balance ( Ref. # XXXX ). I assumed by now the matter was finally resolved. Not so, because I continued to receive invoices. One XX/XX/XXXX, I called XXXX ( approx. 45 minutes ) ( Ref. # XXXX ). I do not have a printed record of this call because my billing cycle with XXXX XXXX ends on XX/XX/XXXX. XXXX admitted that the account should have been closed in XXXX. Once again, I was assured my account would be closed. Two days later I receive a letter from a collection agency, GC Services demanding payment of {$230.00}.
06/22/2022	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt was result of identity theft	GA 30349	Web
XX/XX/2022 @ XXXX XXXX I received a phone call from someone by the name of XXXX XXXX who stated she was calling on behalf a GC Services in an attempt to collect on a debt. I informed XXXX XXXX I did not have any business with her or her company and could not give any further information until I was able to confirm on whose account was she calling. XXXX XXXX repeatedly asked for me to share private personal information which included my address and last 4 of my SSI #, I informed XXXX XXXX I was not comfortable with sharing that private information with a complete stranger. XXXX XXXX continued to attempt to get me to give her my private information and once she felt at a dead ended she had her supervisor to take over the call. XXXX XXXX XXXX stated he was the supervisor of that department I asked him what department was that, he stated he would not provide that information until I confirmed who I was, he again asked for my private home address and my last 4 of my XXXX. XXXX XXXX then attempted to play word games by stating he was not able to confirm I was the XXXX XXXX who he was attempting to contact although he called on my private number which is in my private name and is a private number. Upon asking XXXX XXXX what company he was calling for because I had no business accounts with his company, he refused to provide me with the name of the company that assigned the alleged account to GC Services.
02/19/2020	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt is not yours	AZ 85224	Web
I received a collection letter from the XXXX State Treasury Dept. indicating that I have a collection balance of {$3200.00}. When I contacted them they indicated that this balance had already been sent to a collection agency and was referred to contact them. I contacted the collection agency and was advised that the balance was for not filing XXXX XXXX State Taxes. I explained that I did not live in XXXX in XXXX, I lived in XXXX and filed State Taxes in XXXX. I moved to XXXX XX/XX/XXXX ; therefore, taxes were not filed with the state of XXXX for that year. I was instructed to send proof that I had filed elsewhere. I explained that I no longer have copies of my XXXX tax returns or W2s as this was over 8 years ago. As this is not my error, I asked the Collection Agency to research this mistake on their end, as due diligence should have been done prior to sending me to collections. I was advised they were unable to do that. I tried obtaining the requested information but there's a {$200.00} fee to pull these records and have spent countless hours on the phone trying to contact the IRS to obtain such info, which there is also a fee for. In addition, I was never notified that there was an outstanding balance until I was already sent to collections. I am requesting that this is investigated further and cleared, as no error was made on my part and I shouldn't have to send any information to them.
12/07/2019	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt was result of identity theft	LA 70506	Web
On XX/XX/2019 I sent a challenge letter to XXXX and XXXX in regards to erroneous information being reported on my credit file. I explained to them that I do not, nor have I ever entered a contract with GC Services of XXXX, Texas. Today is XX/XX/2019 and each respective agency has not validated nor contacted me via mail regarding the result of my request. Please be advised that I was exercising my rights under FCRA 611 ( a ) ( 6 ) ( B ( iii ) which provides that a consumer may request a description of the procedure used to determine the accuracy and completeness of the information shall be provided to the consumer by the agency, including the business name and address of any furnisher of information contacted in connection with such information and the telephone number of such furnisher, if reasonably available. On the contrary, on XX/XX/2019 I received notice from the collection agency, not validating the debt according to my rights under the FCRA. They instead sent be billing statements, which do not bear any signatures, written consent, evidence of verbal consent on my behalf. Also, they are attempting to collect 2 different amounts and have contradictory information reported to the bureaus as well. GC Services, XXXX, and XXXX have all failed to properly validate this debt as being mine, but are still reporting this on my credit file which is affecting my ability to obtain credit.
10/09/2017	Yes	Debt collection Credit card debt	False statements or representation Attempted to collect wrong amount	LA 700XX	Web
GC Services Limited Partnership, XXXX XXXX XXXX, XXXX, TX XXXX, and myself made an agreement to pay a certain amount of money each month on an open credit card account that was in collection. I have made each payment prior to the due date to ensure that they would not start calling incessantly as they did prior to me answering ( as I do not usually answer numbers I do not know ). I made a payment for the month of XX/XX/XXXX on XX/XX/XXXX ( due date XX/XX/XXXX ). I received a letter from GC Services Limited Partnership dated XX/XX/XXXX titled " NOTICE OF MISSED PAYMENT. '' As I know this was untrue as I never miss this payment, I called them on XX/XX/XXXX. The woman who answered the phone stated that she had record that I had made payment prior to the due date on each occurrence. She stated that she was aware these letters went out and this occurred due to an " upgrade to XXXX XXXX XXXX. '' I never received a follow-up letter from them stating that this was done in error, although the representative clearly stated that they were aware this happened. I also pointed out to her, if the system was printing them in error, the humans that placed them in envelopes should have caught this and thrown the letters out. GC Services is attempting to collect additional payments by sending out these letters by alarming individuals who have made payments on time and per their agreements with GC Services.
04/18/2022	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt is not yours	MO 658XX	Web
Gc services limited partnership, It is not my intention to inform you of the rights of a federally protected consumer, however, it is my duty to bring notice when youre in violation. The FDCPA makes it clear, for those of us with the capacity to overstand, that communication between a debt collector [ 15 u.s.c. 1692a ( 6 ) ] and a consumer can only happen with prior consent. Before any sort of communication is even allowed to take place, there needs to be permission granted [ 15 u.s.c. 1692c ( a ) ]. One can not hide behind any implications or presumptions when it is clear that permission has to be given directly to the debt collector. Cease and desist all forms of communication to the above name, XXXX XXXX XXXX. Reporting to any credit bureaus is an attempt to communicate and/or collect a debt which would also be a violation. For every FDCPA violation, there is a {$1000.00} fee I would be happy to collect, but strongly urge we operate in good faith. I take my rights seriously. While this is not a promise I wont pursue remedy for the violations you have already incurred by this communication, I strongly urge you to refrain from any negative reporting to my credit. Any provision of this section that lacks compliance entitles me to actual damages 15 u.s.c. 1692k ( a ) ( 1 ). Defamation of character in my line of work is priceless and would advise against it.
12/01/2016	Yes	Debt collection I do not know	Improper contact or sharing of info Talked to a third party about my debt	FL 33547	Web
A representative of G C Services contacted me, on my cell while I was at work, and stated that I was listed a reference and asked for the contact information for another person. I asked what it is was in reference to and she said she could not tell me. I then asked the name of the company, which she gave, and asked what type of company it was. She said that she could n't tell me. I then asked for their company 's web address and she provided me with an incorrect website. When I told her that was n't the correct website she provide me with a different website. At first I offered to pass along their number to my friend, but then told her that I would not pass along the message because she could n't tell me what I was listed as a reference on. She told me she could n't tell me or even what type of a company they were, but that I could look it up. I did exactly that out found out that they are a collection agency. I told her that she was using very deceptive calling practices when she implied that she was calling about a reference. I told her that they were a collection agency and that I was not authorized to give out any personal or work information. She then asked if I could pass her number along and ask my friend to contact her, which I again refused. I asked her to remove me from her calling list and to not contact me again.
06/15/2021	Yes	Debt collection Credit card debt	Written notification about debt Didn't receive enough information to verify debt	MS 39452	Web
I am in receipt of a follow up dunning notice dated XX/XX/2021, that was mailed to me after GC Services documented and signed for my certified letter to their company on XX/XX/2021, which was to CEASE and DESIST and provide me with validation of debt under the FDCPA. l had sent this letter within the allotted 30 days of their original notice to collect a debt. I placed a call to you GC Services on XX/XX/2021 which was on a recorded line in which a manager XXXX XXXX stated in fact that the dispute letter was on file, but GC Services had sent another dunning notice. I had requested proof of debt including contract signature, signed purchases and other. As of this letter, I am not in receipt of any such demands. GC Services did not send any validation of the proposed debt and did not cease and desist all collection activity regarding my request but rather sent another dunning notice which is clearly a violation of the FDCPA. Furthermore, the representative that took my call neglected to read me the mini-Miranda and verify my identity although we were discussing the proposed account which is another violation of the FDCPA. Not until I spoke to XXXX XXXX was my identity verified. GC Services violated the law when they sent me another bill and clearly disregarded my request to provide to me validation that I owed the debt,
09/16/2016	Yes	Student loan Federal student loan servicing	Dealing with my lender or servicer Received bad information about my loan	FL 33068	Web
In XXXX XXXX, my XXXX tax refund was offset by GC Services who has purchased my student loan account from the Dept. of Education.When I initially contacted GC services they ignored my request for any proof that I owed any money to them. I decided to take my dispute up with XXXX, who later advised me that the debt was valid w/o so much of proof provided. So I decided to take it a step further and request GC Services validate the debt sent certified mail on XXXX/XXXX/XXXX and which they received on XXXX/XXXX/XXXX. On XXXX/XXXX/XXXX I received a letter from GC Services indicating that I received a loan from XXXX University. Since I never attended XXXX University, I requested a formal letter from the school indicating that I never attended and borrow any Title VI loans from there school. The notice and proff was sent again certified mail on XXXX/XXXX/XXXX and signed for on XXXX/XXXX/XXXX. It has been now 16 days and I see that GC Services not only has the amount listed on all XXXX credit bureaus as a derogatory account, but still has a balance owing of around {$3000.00} in which they just assigned back to the government for collection. I feel since they know they did not have the right to collect {$7200.00} on this account and I was seeking reimbursement, they decided to sale the account by taking my money and running.
06/17/2023	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	TX 75126	Web
I am distressed that you have included the information below in my credit profile and that you have failed to maintain reasonable procedures in your operations to assure maximum possible accuracy in the credit reports you publish. Credit reporting laws ensure that bureaus report only 100 % accurate credit information. Every step must be taken to assure the information reported is completely accurate and correct. The following information therefore needs to be re-investigated. According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), you are required by federal law to verify, through the physical verification of the original signed consumer contract, any and all accounts that you post on a credit report. Otherwise anyone paying for your reporting services could fax, mail or email in a fraudulent account. I demand to see verifiable proof ( i.e. : an original consumer contract with my signature on it ) that you have on file for the account listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit. Under the FCRA, unverifiable accounts must be removed and if you are unable to provide me a copy of verifiable proof, you must remove the account listed below. I demand that the following account be verified or removed immediately XXXX. XXXX XXXX XXXXXXXX XXXX
07/25/2015	Yes	Debt collection Other (i.e. phone, health club, etc.)	Taking/threatening an illegal action Seized/Attempted to seize property	CA 95841	Web	Servicemember
Some time ago I lost XXXX speeding ticket trials and was forced to pay the fines. Due to unemployment issues I was unable to pay the fines. The fines were sent to GC Services where they got my driver 's license suspended. I sent a cease and desist certified letter to GC Services while I determined what was going on. I found out the GC Services is extorting money from me illegally so that I can get my license back. Since I do n't have the money nor will I for quite some time, I am sure this act of extortion is illegal. This action also places a huge burden on my employment situation since I ca n't drive to get to work. Without a job, how can I pay them anyway? For the record, I fought XXXX tickets in court and from my point of view I won. But was found guilty. I fought XXXX tickets in appeal and from my point of view again, I won. I lost XXXX appeals. I have already filed complaints with every state and federal agency asking for an investigation and so for I ca n't get any help. I am hoping that the CFPB can help. I define extortion as an act of forcing someone to pay for something they ca n't. GC Services suspended my license forcing me to pay or I will never be able to drive again. Since I do n't have the money and I ca n't get a job without paying, they are extorting money from me ... illegally.
08/24/2019	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt is not yours	MA 02301	Web
I have disputed this item with the credit reporting agency and they reported you confirmed the account as valid. I honestly do not believe to ever have any relationship with this collection agency or original creditor. Also there are several inaccuracies with this account the way it's reporting and that's a total violation of FCRA and FDCPA laws and regulations. In a good faith effort to resolve the matter amicably, I must demand proof of this debt, specifically the alleged contract or other instrument bearing my signature, as well as proof of your authority in this matter. Absent such proof, you must correct any erroneous reports of this past debt as mine. I am writing to request that you please provide the following information : 1. Please evidence your authorization under 15 USC 1692 ( e ) and 15 USC 1692 ( f ) in this alleged matter. 2. What is your authorization of law for your collection of information? 3. What is your authorization of law for your collection of this alleged debt? 4. Please evidence your authorization to do business or operate in this state. 5. Please evidence proof of the alleged debt, including the alleged contract or other instrument bearing my signature. 6. Please provide a complete account history, including any charges added for collection activity.
02/23/2017	Yes	Student loan Federal student loan servicing	Dealing with my lender or servicer Having problems with customer service	IN 46383	Web
I have tried multiple times in good faith to enter into the loan rehabilitation program with GC Services, who is a debt collection authorized to operate on behalf of the US Department of Education, to get out of default and get my loans into the {$0.00} repayment program with the rest of my federal loans, and I have been completely hamstrung at every turn. I have sent in all the forms as requested, and then got a call a week later stating they did n't have our forms. So I sent in the forms again, and yet again a week later, I get a call stating that they do n't have our forms. So, this time I had the person stay on the phone with me until she clearly saw that she had received all the required forms, and stated as such over the phone. Then, a week later I get another call stating my bank account information had changed and they could n't withdraw the payment which is a lie, because I 've been with the same financial institution since 2010. Then, on a later call, they acknowledge that was probably their error but if we wanted to continue on the plan we would have to start the whole thing again. Now, even after all this I have had my entire federal refund " offset '' due to their incompetence and the program not being finished in time for this years taxes.
08/24/2018	Yes	Student loan Federal student loan servicing	Dealing with your lender or servicer Trouble with how payments are being handled	FL 326XX	Web	Servicemember
My Name is XXXX XXXX. I am the holder of 5 Student Loan accts. the total payoff is approx. 41K, however the amounts that the loans total seems to be XXXX. This is due to late fees and penalties. ( Which is understood ) GC Services is the debt collector I am dealing with and am told they are in contract with the US Government to provide collection services and/or solutions for the borrower. I initiated a phone call to determine what needed to be completed to consolidate all loans into 1, further asked if there was a program that I could enter to establish a path fwd, Discussion initiated ( XX/XX/2018 ) with GC services. I was informed " pending confirmation '' of my verbally stated Salary my payment would be $ XXXX/month for 9 months at which time I would have completed my REHAB requirements and have the ability to consolidate or XXX. In a follow up phone call ~2 weeks later I was informed that the offer presented on the last phone cal was not available anymore and I should start again. This XXXX XXXX XXXX practice of bait and switch has continually existed for the duration of my payments ( which I have made since XXXX or XXXX. Additionally I made a complaint with the department of education in XXXX concerning these practices and GC Services.
04/26/2017	Yes	Debt collection Credit card debt	Written notification about debt Didn't receive enough information to verify debt	LA 71105	Web
On or about XXXX XXXX , 2017 , the consumer, pursuant t o 15 USC 1692 a 3, did re ceive a communication without the prior consent from GC Services Limited Partnership, XXXX XXXX , debt collector pursuant to 15 USC 1692 a 6. There wa s no express written permission from a court of competent jurisdiction attached. On XXXX XXXX , 2017 , the consumer mailed the debt collector a notice of the violation of the Fair Debt Collection Practices Act subsecti on 1692 c, to one of two locations provided on the letter from GC Services Limited Partnership. Due to the violation, the consumer issued an invoice for damages in the amount of {$2000.00} pursuant to 15 USC 1692 k a 1. The debt collector was given 10 days to respond. A final communication, dated XXXX XXXX , 2017 , was mailed with an invoice for damages in the amount of {$2500.00}. The consumer communicated with GC Services thru debt collectors XXXX XXXX and XXXX XXXX by telephone on XXXX XXXX , 2017 , at XXXX XXXX central standard time. The consumer inquired and attempted to communicate with XXXX XXXX , debt c ollector, whose name is on the original communication. Compliance with federal law pursuant to 15 USC 1692 by the debtor w as not achieved.
05/10/2016	Yes	Debt collection Other (i.e. phone, health club, etc.)	Cont'd attempts collect debt not owed Debt was paid	CA 92507	Web	Servicemember
I am the mother ( third party ) that pays the debt my daughter owes on her unpaid XXXX. I authorized a payment in the amount of {$200.00} to GC Services LLC on XXXX XXXX 2016 toward my daughter 's debt of {$460.00}. I filed a XXXX complaint against GC Services for their lack of professionalism, customer service, and delays in processing the payment. I spoke withXXXX XXXX, Chief Compliance Officer & Legal Counsel for GC Services on XXXX XXXX 2016 regarding the non-processing of the {$200.00} payment to XXXX. I spoke with XXXX on XXXX XXXX 2016 and was informed the GC Services never processed the payment to XXXX. XXXX XXXX and GC Services staff ( XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX ) all claim the payment was processed in a timely manner. GC Services is upset with my handling of the situation and refuses to process my daughter 's payment. This is a violation of my daughter 's right to have her driver license reinstated. My XXXX complaint was resolved because I believed the payment was processed at the time. After speaking with XXXX, I requested the XXXX reopen my case ( XXXX ). I have attached the following documents : email reopen case XXXX, GC Services response letter ( 1 ), GC Services response letter ( 2 ), initial XXXX complaint.
03/05/2018	Yes	Debt collection Private student loan debt	Attempts to collect debt not owed Debt was paid	PA 17815	Web
On XX/XX/XXXX I received a letter from GC Services Limited Partnership in regards to the debt I owe to XXXX University. On XX/XX/XXXX I processed a payment through the given website on the letter. My bank account is showing that the payment has been processed and cleared yet their website is showing the debt is still owed and I continue to receive calls from GC Services Limited Partnership. These calls have been received the following dates : XX/XX/XXXX,XX/XX/XXXX,XX/XX/XXXX,XX/XX/XXXX,XX/XX/XXXX,XX/XX/XXXX,XX/XX/XXXX,XX/XX/XXXX,XX/XX/XXXX,XX/XX/XXXX,XX/XX/XXXX,XX/XX/XXXX XX/XX/XXXX and XX/XX/XXXX I've explained this issue to the gentleman calling and he states that the charge does not show up in their system. I've also attempted to contact their company through email but the email address listed on their website appears to be incorrect as the emails continue to show that they can not be delivered. The customer service rep I speak to with GC Services suggests that I submit my payment again. I should not have to do this as the payment is showing as processed. I am concerned that this is fraudulent practice.By the company not showing that my debt has been paid, XXXX University is withholding my XXXX XXXX XXXX certification.
01/23/2018	Yes	Debt collection Credit card debt	False statements or representation Attempted to collect wrong amount	PA 158XX	Web
This dispute involves XXXX XXXX and their collection subsidiary GC Services Limited Partnership. I entered into a payment plan with GC Services Limited Partnership to reduce my interest rate, waive late fees, and pay off my debt. I was told it was a 27 month program where I paid {$200.00} per month which would cover my balance. At the time of this arrangement I had a past due amount owed. I was told that the past due amount was rolled into the balance and that the payments would cover the past due amount as well as the remaining balance. I checked my credit report however to find that since the arrangement in XX/XX/XXXX, I have still been receiving late payment reports on my credit report each and every month even though payments have been made each month. I was also told that the program of reduced interest and waived fees only in fact lasts 12 months, not the 27 months I was promised when I agreed to the payment arrangement. None of my {$200.00} payments had gone toward the past due amount. ( i 've paid {$1200.00} so far ) the past due amount was {$700.00} approximately so it should be paid at this point. Now I just get passed back and forth between XXXX and this collection service and no one can help me.
09/30/2016	Yes	Student loan Federal student loan servicing	Dealing with my lender or servicer Keep getting calls about my loan	OH 45224	Web
I am in a repayment program with the XXXX. I have been making successful monthly payments at the agreed upon amount for the past nine months. The XXXX has my correct contact information. For no valid reason, the current account assignment, GC Services LP, has dug deep to try and harass my family. They were caught calling my mother asking for my XXXX brother so they could ask him for my contact information ( despite already having it? ). It is unclear how they knew my brother 's name, seeing as I have never provided it on any loan document and would have no reason to, since he 's XXXX. When I called GC Services LP to complain, they said they " have resources '' to find such information. This debt collector should be immediately removed from all approved contracting lists of the federal government and the XXXX needs to quit wasting my tax dollars on " assigning '' paid up accounts to unnecessary debt collectors just because at one time in history I had no means with which to pay. A valid, paid repayment agreement directly with the Department should immediately bounce a loan account out of the XXXX XXXX and back into the XXXX XXXX system. It 's really not that hard to not waste my tax dollars. Try it sometime.
06/07/2018	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt was paid	CA 92708	Web
On XX/XX/XXXX I received correspondence dated XX/XX/XXXX from GC Services Limited Partnership regarding an alleged debt I owed to the XXXX XXXX County Superior Court, which had been paid prior to GC 's involvement. I immediately called the number on the letter, XXXX, to resolve the matter. After waiting on hold for over one ( 1 ) hour for a representative to take the call I finally gave up without the call being answered. I thereafter responded by way of the attached letter dated XX/XX/XXXX, sent via USPS Priority Mail, which was received by GC Services on XX/XX/XXXX. Having no response by XX/XX/XXXX I sent an email to GC Services - a " screen shot '' of the email is attached, along with the full text of my correspondence. As of XX/XX/XXXX I had received no reply from GC Services. On XX/XX/XXXX I received a second letter dated XX/XX/XXXX from GC Services stating that I had not responded to the " previous notice, '' a copy of which is attached. On XX/XX/XXXX I again attempted to call GC Services at XXXX. After one ( 1 ) hour and eight ( 8 ) minutes, listening to the recording that a representative would be right with me, I finally gave up. See attached copy of photo of call log from my telephone.
09/01/2021	Yes	Debt collection Other debt	False statements or representation Attempted to collect wrong amount	PA XXXXX	Web
GS services has committed perjury through mail. They have tried to collect an ALLEDGED debt from me and in doing so they claim that XXXX is the ORIGINAL CREDITOR. This is a false representation of a consumer transaction and they are using this lie to try and get me to pay a debt that is not mine and which I do not validate. In any consumer transaction the CONSUMER is the original creditor because they extend their credit and this is defined more in the TRUTH IN LENDING ACT. GS services knows this and decided to lie to collect money from me. They also violated FDCPA law 15 U.S. Code 1692b - Acquisition of location information : Any debt collector communicating with any person other than the consumer for the purpose of acquiring location information about the consumer shall ( 2 ) not state that such consumer owes any debt ; They sent me mail stating that I owe a debt which is against the law for them to do so. I have attached both pieces of mail, one of them falsely stating that I am not the original creditor and the other of them saying I owe a debt. I demand for this collection to be removed from all of my consumer reports and I demand monetary remedy for violating my consumer rights.
07/17/2021	Yes	Debt collection Other debt	Took or threatened to take negative or legal action Threatened or suggested your credit would be damaged	MI 492XX	Web
When covid started I received a decrease in hours of my work so I had to cut any bills possible in my home. I stopped my XXXX XXXX services and paid the full amount at that time. They have proceeded to to claim I didnt pay my bill, charge me penalty fees and and put it into collections to destroy my credit. I've also received derogatory and threatening messages. I have disputed this several times and they continue to report it on all my credit bureau 's ea month. They have also contacted experian to put a lock on my credit report where I can no longer dispute their Collections item.It has decreased my score almost 50 points, and threatens my ability to get a better job or to get a fair rate on car insurance insurance for me and my son. I am a single mom and have been struggling since my divorce. I have reached out to this company and sent them several emails even asking asking for a settlement, but I do not feel at tjis point that I should have to pay a dime when I that I should have to pay a dime when I paid my previous bills in full. I also requested covid support assistance during the pandemic to write off this supposed bill and received no response. Please help me.
01/19/2023	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt is not yours	IL 60406	Web
I check my credit often and I noticed my score went down almost 100 points. There is a collection on my credit for {$600.00} by G C services. The original creditor is XXXX. I contacted XXXX and they confirmed I do not have a balance due. I do in fact have current services with xfinity but this account is different than mine. My xfinity account is for internet and there is no past due balance. I called xfinity to confirm and an agent told me I do not have a past due balance or any other account in my name. When I contacted G C services and asked why this was on my credit, they told me that my social was used so the debt is verified. I have never had xfinity mobile services in my life I only have home internet and the other account that G C services claims I have is with a different address that is not mine. I do not believe I should have to pay on a debt that is not mine and hasnt been proven to be mine. XXXX says I do not owe any balance and Im confused as to how a collection agency is trying to collect debt from me for services I have not used. I was also never called, mailed, or sent anything about this debt i only knew about it from checking my credit on experian.
12/27/2015	Yes	Debt collection I do not know	Cont'd attempts collect debt not owed Debt is not mine	WA 98030	Web	Older American
I have been getting calls about a debt that is not mine. I just checked my credit report and found GC Services on it with an address of XXXX XXXX XXXX XXXX XXXX XXXX TX XXXX and a debt of {$140.00} turned over on XXXX/XXXX/15 ... interesting because I filed bankruptcy in XXXX, 2015. I think they are trying to collect for XXXX, but I have not been with XXXX in well over a year and do not owe them anything. The account listed on the credit report is shown as XXXX ... .I have no idea what the last XXXX numbers are. Nothing has ever been mailed to me so I really have no idea what this debt is for ... and I do not answer unknown phone numbers on my phone unless they leave me a voicemail telling me exactly who they are and what they want ... I am on a do not call list! I read on the internet review after review of how this company is a scam and I want them to pull off my credit report totally what they put on XXXX/XXXX/15 or I will send my bankruptcy lawyer their way. I do not owe this lousy {$140.00} no matter where they say it is coming from! Why is this scam company still allowed to do business when they harass people innocent people all the time? Shut them down!
07/28/2015	Yes	Debt collection Other (i.e. phone, health club, etc.)	Cont'd attempts collect debt not owed Debt is not mine	PA 150XX	Web
A " debt collection '' agency is trying to solicit payments on a debt to XXXX that I do not owe. The same number XXXX XXXX ) had called me on XXXX XXXX at XXXX and again on XXXX XXXX at XXXX. I returned the call at XXXX on XXXX XXXX. When I first got on the line, a woman told me her name and company too quickly for me to hear. She asked me to confirm my name, which I did. She then asked me to confirm my address, which I did not feel comfortable doing, so I asked her to repeat the name of the company. I typed the same into XXXX quickly, and realized that others have complained about solicitation of false debts. The woman on the line asked me to confirm my address, which I did. She had already known my correct full name and address, even though I have never shared this information with this company. She then informed me that I owe approximately {$600.00} to the company XXXX, which is ridiculously untrue. She asked how I would like to pay today, and I hung up the phone. I have since logged in to my account on XXXX 's website, which I made when I bought a dish for XXXX in 2012. My account shows no other purchases since the dish, and certainly no existing balance.
05/15/2019	Yes	Debt collection Other debt	Took or threatened to take negative or legal action Seized or attempted to seize your property	CA 91730	Web
I did receive this letter few days ago and nearly paid for the requested amount because my wife got a traffic violation recently. Then I noticed the date and drivers license number which do not match. I did call XX/XX/XXXX to a number written on top of the page, which I found from XXXX County web site. I called from my cell phone at XXXX. I was told that the ticket was issued for someone with birthyear of XX/XX/XXXX. I do have a son born that year, however he has not ever resided in the address with me. I did ask him about it, he can't say for sure if it is for him and he seem to think that he has paid any and all traffic tickets he never received. Makes me worried, did some one steal my ID? If my son did not pay for his ticket, is the skip tracer making costly mistakes? What other information do they have about me? Could they damage my credit? Do they have my sos. sec. number? Should I be worried about my taxes? These are some of the questions I tried to ask on a phone without any success rather than additional questions. I do believe that sending threatening letters to random or wrong people is a violation of the fair debt collection practices act 1977.
09/02/2017	Yes	Debt collection Federal student loan debt	Communication tactics Frequent or repeated calls	OR 97233	Web
GC Services constantly calls me. I made payment arrangements and they kept changing my minimum payment and they have called me dozens of times. They called me this morning at XXXX, on a Saturday on a holiday weekend. They called at XXXX on XX/XX/XXXX. I have talked with them and worked with them but their constant calls are becoming extremely inconvenient and irritating. In XXXX I first started working with them. I filled out all the paperwork that they wanted and worked out a payment arrangement of {$5.00} a month. Then they called me again the end of XXXX and said that my minimum payment should be {$30.00} a month, so I agreed and paid them another {$25.00} on XX/XX/XXXX and then another {$30.00} the beginning of XXXX. Then they called me again and said that I needed to pay {$32.00} a month. And then they called me another five times to sign and send in the agreement. I paid {$32.00} on XX/XX/XXXX. I paid {$5.00} on XX/XX/XXXX. I paid {$30.00} on XX/XX/XXXX. I paid {$25.00} on XX/XX/XXXX. I paid {$5.00} on XX/XX/XXXX. I have worked with them and yet they still are constantly calling me at extremely inconvenient times and it is becoming harassment.
07/22/2017	Yes	Debt collection Other debt	False statements or representation Attempted to collect wrong amount	MN 55449	Web
I 'm filling a second complaint in regards to the situation as NOTHING was resolved the first time. I previously was with the cell provider XXXX and switched to XXXX, When I made a visit to the XXXX store ( XXXX XXXX ) to see what offers they had to potentially make the change to go with XXXX- What they told me sounded very nice and made it what I thought was going to be an affordable switch! They promised {$650.00} to go towards paying off what I would owe XXXX if I left them. They said I would receive this in the form of a gift card within a couple of months. Out of the {$650.00} I was promised I received approx. {$120.00} Gift card! NOT {$650.00} The stores tactics to get you to switch over are deceitful and dishonest! I tried talking to a representative in the store directly which was no help at all. Now im receiving a large phone bill from them- I ended up switching to XXXX because I refuse to go with a company that has done nothing but like from the very start! in My former complaint they responded by saying they sent me a gift card, however what they failed to mention is that the gift card was about {$120.00}!!! very unethical and deceiving!
02/23/2022	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt was result of identity theft	GA 30021	Web
My name is XXXX XXXX, a federally protected consumer, and I am making this complaint against GC Services for committing identity theft. I have never given GC Services any permission to use any of my identifying information to commit mail fraud by contacting me about an alleged debt they claim I owe. I am legally refusing to pay this debt pursuant to 1692c ( c ). I am demanding a cease and desist of all illegal activity, any communication and collection activity, of this and any alleged debts until GC Services can provide me with sufficient documentary evidence, such as a trilateral contract, that I have any legal obligation to pay them. If this documentary evidence can not be produced and GC Services continues its collection efforts, I will file for litigation for actual damages caused and GC Services will be held criminally liable for aggravated identity theft pursuant to 18 USC 1028A, extortion, theft by deception, securities fraud, and mail fraud. Upon the receipt of the documents herein and of this notice, you are hereby notified Pursuant UCC 1-202f. Your prompt attention and response are both requested and required. Account # : xxxxxx XXXX
10/09/2023	Yes	Debt or credit management Debt settlement	Problem with customer service	VA 22201	Web
GC Services is the owner of an account that I owe debt on. I have been working with them since XX/XX/2023. I have automatic debits that come out of my account monthly. As of XXXX, I noticed that the payments have not come out. This is a serious issue for me as my financial aid for university is dependent on all of my accounts being in order. I have reached out to this company everyday since XX/XX/XXXX. I have called and send complaints through the we form. They do not have an official email address to reach them through. Since the beginning, they have only allowed communication through snail-mail and telephone. Which I find archaic and intentionally obtuse, but I digress. Every time I call, there is an auto-recording stating that I there are technical difficulties and to call again tomorrow. I need this organization to reach out to me so I can resolve my payments for this past month, and for the current month. If this is too difficult for them, then perhaps a letter, on letterhead, noting my good standing would suffice. The poor communication and bad business practices of this business are greatly affecting my life and I need to see results.
03/22/2017	Yes	Debt collection I do not know	Cont'd attempts collect debt not owed Debt is not mine	IN 46220	Web
GC Services first called me on XXXX XXXX, 2017. During that call they noted that they were calling in regards to someone who resides in a state that I have never lived in. I told them the address was not correct, and at that point they asked for the last 4-digits of of my social security number. I refused to give such a personal number, as their address information was incorrect. At that point I requested that they not contact me again, and was told that they would not call again. On XXXX XXXX, 2017 they called again, and gave the incorrect address. I told them the address was incorrect, and again refused to give my social security number. Both calls were made by an unknown number, but using the name GC Services I found a number to call using google. I reached out to GC Services and requested that they not call again. The person I spoke with noted that I would need to request this in writing, which I am fairly certain is not correct. Since I have requested this on two separate occasions I am hoping to not be called again. However, in case the calls continue I wanted to document the second call utilizing this CFPB complaint portal.
11/29/2018	Yes	Debt collection I do not know	Communication tactics Frequent or repeated calls	OR 97211	Web
I received calls from a series of related phone numbers from XXXX, WA, identified by the person calling me as GC Services. Their website : https : //consumerportal.gcserv.com/. These calls were received on XX/XX/18, XX/XX/18, and XX/XX/18. On XX/XX/18, the man who called me immediately demanded to know personal identifying information when I picked up the phone, including my address and Date of Birth, while refusing to disclose why he was calling, on whose behalf, or what the call was in regard to. I refused to provide personal information to someone making unverifiable claims on behalf of GC Services who would not tell me what the call was regarding. I have additionally received no written communication from GC Services prior to these calls, despite the fact this person recited my current address on file to me on the phone. I repeatedly asked the individual to identify themself and why they were calling, and they repeatedly asked for my personal information as described above. I finally had to end the call because it was frankly very disturbing to receive a phone call from an unidentified entity demanding personal information.
02/14/2018	Yes	Debt collection Other debt	Written notification about debt Didn't receive notice of right to dispute	IN 46237	Web
I contacted this company in regards to an account that was reported to my credit. I have never received notification of this debt to my address. I confirmed my address at which I have lived for over 4 years. I have no knowledge of this account and I called this company to request the validation of the debt so that I may file a police report for fraud. I was told they could not provide the validation and that I would need to file a fraud claim without any information. I explained to the representative and a manager that I was never notified of this debt and I am disputing the validity of the debt under the written law. I requested this company to remove the erroneous illegal derogatory error from my credit report until the validation that I owe this bill could be provided and I was told that it would not be done. This is illegal to not notify a consumer of a debt. I understand my rights and all I am asking is this debt be proven to be mine. This company is refusing to prove I owe and stating I have to prove I don't owe. How can I dispute a bill I have no knowledge of? I am going to pursue legal action for my rights being violated.
02/11/2016	Yes	Debt collection Other (i.e. phone, health club, etc.)	Cont'd attempts collect debt not owed Debt is not mine	FL XXXXX	Web	Servicemember
This debt is with G C Financial Services XXXX. They claim to be collecting for XXXX. I 'm a veteran. I was oversees during the period that XXXX claims I had their service. They also claim the service was provided in South Carolina, but I never lived there. I previously contacted XXXX XXXX and thought that I had worked this out with them. They took themselves off of my credit report. This happened over a year ago. Now they sent a collection account to .G C Services I tried to work this out with G C Services. I implored them to contact XXXX to verify that this was not my account. They refused to work with me and only offered me a settlement that was 65 % of the balance that they claim I owe them. They also refuse to remove themselves from my credit report. even upon payment. I 'm most upset that they will not contact XXXX XXXX. I ca n't understand that. I have tried to get XXXX XXXX to contact GC services, but they say they do n't have a record of me. I ask them to communicate that with GC and they say there is no way to do that. Really? I asked XXXX for a letter stating they have no record of me and they refuse to provide XXXX.
10/06/2016	Yes	Debt collection Other (i.e. phone, health club, etc.)	Cont'd attempts collect debt not owed Debt was paid	MI XXXXX	Web
I filed XXXX income taxes for XXXX. Per my tax return and XXXX form, {$760.00} was withheld during the year. I overpaid and was due a refund of {$64.00}. {$700.00} should have been withheld instead of {$760.00}. In late XXXX, I received a Demand for Payment from the XXXX - stating I owed them {$700.00} plus interest. I sent them proof of payment, disputed the claim and requested documentation. I heard nothing further from them. In XXXX XXXX, GC Services sent me a demand for payment on behalf of the XXXX. On XXXX XXXX, I sent them a certified packet including copies of the documents I sent to the XXXX XXXX XXXX, tax return, letter with request for documentation ). In my cover letter to GC Services, I again requested documentation and issued a cease and desist of further demands for payment on the bogus debt. The certified packet receipt was signed by GC Services front desk staff on XXXX XXXX. The calls started XXXX XXXX. They 've called me four times and left XXXX messages, each indicating that I " have to '' call them and refer to a case number. I want to nip this in the bud. How do I make it stop?
06/09/2017	Yes	Debt collection Auto debt	Attempts to collect debt not owed Debt was result of identity theft	CA 90046	Web
On XXXX XXXX , 2017 I received another letter from GC Service Limited Partnership af ter I had explicitly expressed to them and the original creditor that this debt was a result of identity theft. I have provided XXXX and GC Services with all the necessary documentation including a Police Report, FTC Identity Theft Affidavit, CFPB Complaints, FTC Complaints, Identity Verification Documen ts i.e. State ID & Social. After receiving all the necessary docum entation from me to block this fraudulent account from my credit profile per 605B o f the FCRA they had removed it from my credit report. All though they had removed it from my credit report they continued to harass me via mail for what is now almost one year. They have recently bega n to call my phone again twice a day every day for the last month trying to collect on a debt that is deemed fraudulent. This willful negligence is now causing damage to my person and there bombardment of calls is now effecting my quality of life. I will be seeking legal remedy granted to me by Fair Credit Reporting Act and The Fair Debt Collections Practices Act.
12/18/2022	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	PA 16066	Web
I live in XXXX. Someone with the same name or just used my name, opened an account with XXXX XXXX ( XXXXXXXX XXXX XXXX ). They used my SSN to open the account sometime around XX/XX/2022 in XXXX XXXX. By XXXX, {$2900.00} was owned on the account. On XX/XX/XXXX, I received an email alert that at Potentially Negative- Major Derogatory appeared on my credit report. I immediately disputed it on XXXX, and I contacted GC services ( collection agency ) to inform them that it was fraudulently opened under my name and SSN. They said it was actually above {$3000.00} at this point. Then I called XXXX and we decided to close the dispute and report it as fraud. I received a letter from the collection agency on XX/XX/XXXX along with some of the bills that were sent to the Illinois address. I wasn't quite sure what they said in the letter. So, I contacted them again and they said we were all good. It seems like XXXX agrees. I continue to see the collection on my credit report. I keep disputing that hoping to have it removed. It was fraud but yet it continues to hurt my credit rating. Is there any way to have it removed?
07/27/2017	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 76053	Web
XXXX 's has repeatedly Breach my Privacy by sharing my personal identifiable information with non affiliated 3rd parties including the Credit reporting Agencies and GC Services. I 've sent certified mail and signed for on 3 separate occasions dating XX/XX/XXXX, XX/XX/XXXX, and most recent XX/XX/XXXX sent a Breach of Privacy Notice to XXXX 's. I 've sent XXXX 's these letters opting out of these sharing practices and yet I still receive calls and letters from this company called GC Services. I 've included an attached these documents. I did finally received a response from their lawyer stating they have a right to do so. I 've attached their letter also. XXXX 's has yet to respond to sharing my personal identifiable information with non affiliated 3rd parties including the XXXX reporting Agencies and GC Services. According to the GLBA Gramm Leach Bliley Act this is a clear violation and Breach of Privacy. I did not give my permission for this DEBT COLLECTOR to contact me pursuant to 15USC1692. I never asked this DEBT COLLECTOR to open up any account in my name with my Social Security Number or any of that.
10/21/2018	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt is not yours	NJ 07304	Web
I am lodging a formal complaint against gc services lp. this company has reported derogatory information on my 3 credit reports in the amount of {$420.00} for a XXXX debt i never owned. I have never had an account with XXXX ever in my life. on XX/XX/2018. I sent a request for validation because I was not familiar with this debt on my credit reports. I have also disputed this account with the 3 credit reporting agencies. I have never received anything in the mail from gc services lp validating this debt, but this debt collector continues to report negative information on my credit reports. I am in the process of buying my first home and this account is holding me back. I know its against the law to continue reporting information on a consumer credit report without validating debt to consumer. I will be filing XXXX XXXX XXXX, and attorney general complaints if this account isn't deleted from my credit reports immediately. Ive worked so hard to finally buy my family a houe of our own and this debt collection company has stopped this from happening. I appreciate your time and your help. thank you very much!
11/26/2020	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt is not yours	NJ XXXXX	Web
In XX/XX/2020 GC Services, a debt collector, marked my credit as a derogatory account. They bought the debt from XXXX. I had originally disputed the debt of {$140.00} with XXXX through my XXXX XXXX XXXX account, which I had automatic monthly bill payment from XXXX. I won the dispute ... Unscrupulously, XXXX sold my phantom debt account to GC Services. When GC Services marked my credit, naturally, I was damaged and couldn't get a loan and it affected many other things like not being able to get an apartment. I then disputed the GC Service derogatory account with the credit bureau and I won the dispute. GC Services, knowing the truth now, and having lost the dispute then unscrupulously sold my phantom debt account to XXXX XXXX, who marked my account without notifying me. I disputed the XXXX XXXX derogatory accounts with the credit bureaus and won those disputes as well ... XXXX XXXX then sold the debt to XXXX XXXX and they marked my accounts with the credit bureaus, and I presently have disputes ... Where does it end?!?! ... This is harassment and all these companies are working with each other!!!
11/28/2018	Yes	Debt collection Federal student loan debt	Attempts to collect debt not owed Debt was result of identity theft	OH 454XX	Web
I was contacted by two phone calls ( last one XX/XX/18 ) and via US Mail ( XX/XX/18 ) by representatives of GC Services. GC Services representatives claimed to have documentation proving that the Identity Theft Federal Student Loan was not identity theft. Representatives claimed that they are an affiliate of XXXX ( XXXX XXXX XXXX XXXX XXXX ) who owned the Identity Theft Federal Student Loan. XXXX has repeatedly violated my fifth amendment right to due process by refusing to provide information necessary to police departments investigating the cyber crime. XXXX continues to attempt bullying by sending the Federal Identity Theft Student Loan to collection agencies and sending " cease and desist '' letters to stop my reporting this crime to investigatory agencies. I informed the GC Services representatives ( on both occasions ) that this was identity theft. The calls continued despite the assertion. I have sent GC Services a copy of the FTC identity theft report and addendum documents required. On both occasions, GC Services representatives informed me that this will negatively affect my credit.
09/26/2017	Yes	Student loan Federal student loan servicing	Struggling to repay your loan Can't get other flexible options for repaying your loan	OH 44107	Web
I have received letters from GC Services Limited Partnership -- - XXXX, MI XXXX and XXXX, TN XXXX -- - dated XX/XX/XXXX and XX/XX/XXXX demanding payment for defaulted student loan ( s ). They say they have tried to call me but, if they did, no messages were ever left. I have read numerous online reviews by other people who were contacted by this company. The reviews reveal many very serious allegations : Among the problems : > payments that were made to GC Services could not be and were not validated or confirmed -- - one victim was told that her " {$3000.00} was never paid '' ; > constant telephone harassment ( 3x per day ) for 6+ weeks ; > claims that the paperwork they sent was not received by GC Services ; etc. I am on a fixed income ; food stamps ; and living in a small, subsidized residence. I never expected to be in this situation but based on the many other reviews and my own gut instincts, I do not trust these people and suspect only the worst. Please send GC Services a " cease and desist '' notification of some sort. Thank you for your attention and consideration.
01/04/2021	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt was result of identity theft	MI 483XX	Web
This dept is a result of Identify theft. On XX/XX/2019 I faxed 17 pages to XXXX as requested by XXXX to resolve this. XXXX is in clear violation of the Federal fair credit reporting act! Under 609e I asked XXXX to provide me all records of this transaction under ID theft laws of 609e. I received nothing. Also under Notice To Furnishers 623a XXXX violated my rights under duties when ID theft occurs. I see GC services on my credit report for the dept. This is the second round of XXXX turning this same debt over to other collection agencies for a Dept that was deleted last year from all Credit reporting agencies and the XXXX XXXX XXXX that was the dept collectors last year all this was deleted I thought I was all set. Well fast forward to this past week I see XXXX sold this same dept they know is ID theft and was deleted last year to I see GC services on my report and XXXX! XXXX deleted this as of today I received email XXXX off my credit report now we are down too GC services I see on my report. XXXX Is in clear violations with documents I'm attaching again to prove my case.
06/07/2017	Yes	Debt collection Other debt	Took or threatened to take negative or legal action Threatened or suggested your credit would be damaged	FL XXXXX	Web
In or around XXXX of XXXX , XXXX sent my account to GC Services Limited Partnership, a collections company in error. The balance on my XXXX account was incorrect and was initially disputed in or around XXXX of XXXX as illustrated in the attached Better Business Bureau complaint. Moreover, I had to initiate another billing dispute with the Better Business Bureau in or around XXXX of XXXX regarding my XXXX account as it again reflected the wrong balance. Since XXXX of XXXX I personally tried to resolve the issue with XXXX to no avail and ultimately resolved the issue by contacting the Better Business Bureau. Despite XXXX acknowledging their errors, they still allowed GC Services Limited Partnership to report my account as a collections account. Despite the fact that I have spoken with XXXX XXXX from GC Services Limited Partnership on multiple occasions to get the collections account removed from all XXXX ( XXXX ) major credit bureaus when they have acknowledged that it was an error caused by XXXX - I have been unsuccessful.
09/02/2017	Yes	Debt collection Other debt	Took or threatened to take negative or legal action Threatened or suggested your credit would be damaged	CA XXXXX	Web
XXXX and XXXX used a bait and switch sales tactic on me. XXXX sent an email stating TV, Phone and internet for {$89.00} plus tax and they will bundle with XXXX but all the payments go through XXXX. When the Technician installed the system he failed to install the phone service and since I did n't care one way or the other if I had the phone or not, I did n't bring it to their attention. XXXX said in a recent conversation on XXXX/XXXX/17 that because I did n't complain about not having the phone service that I was n't going to receive the triple play price and they would n't honor the email or take responsibility for their technician not install the phone line. So rather than admit their mistake and have the technician come out and install a phone line and give me the triple play price as per their email, they decided to charge me {$200.00} a month. I told them if they do n't honor the email offer that I signed up for then I would have to cancel the service on the grounds that they broke the contract. I am submitting all documents supporting my statement.
02/23/2021	Yes	Debt collection Other debt	False statements or representation Attempted to collect wrong amount	WA 98056	Web
We had XXXX XXXX while living in XXXX XXXX. We cancelled services when we moved to XXXX state because they did not provide services there. In the terms and conditions of our agreement with XXXX the termination fee should have been waived. It wasn't. We made several attempts to contact XXXX and were transferred several times, but no resolution was ever made. On XX/XX/XXXX we were charged {$90.00} for that termination fee. We were then sent to collections via GC Services. They had my new address, and sent a dispute to XXXX. They then called me to tell me to send physical proof of our move beyond the fact we received their letter at our new home. We then had to call XXXX again. On XX/XX/XXXX we tried 6 times to send an email to the address provided. XXXX. The email bounced back every time saying it doesn't exist. We called in again on XX/XX/XXXX and were told to try XXXX. It bounced back another 6 times. Now on XX/XX/XXXX I received an alert from the credit bureau that I have a collection account on my credit report! When the original debt is still in dispute!
06/27/2017	Yes	Debt collection I do not know	Threatened to contact someone or share information improperly Contacted your employer	CO 805XX	Web
A man named XXXX XXXX called my work and left a message on an administrative assistant 's voice mail. The voicemail was forwarded to my phone. When I returned the call, thinking it was work related, the lady on the other end refused to tell me what GC Services do or why XXXX was calling. When pressed she stated it was a financial services company. I asked what that means and listed off a number of financial services that she might be referring to. She declined to admit she was a bill collector. XXXX was the number left and GC Services was the company name. I have no way of knowing what may have been said to my employer but I plan to take legal action. I will not be calling XXXX back in 45 minutes as instructed and if he calls my work again, I will save the message this time. I will never be able to pay off any debt if greedy companies keep calling my employer and XXXX up my employment situation. My phone number is posted on XXXX, XXXX, XXXX, etc. etc, it is everywhere and totally available to anyone so calling my work is not only not necessary, it 's illegal.
06/12/2016	Yes	Debt collection Other (i.e. phone, health club, etc.)	Taking/threatening an illegal action Threatened arrest/jail if do not pay	CA 92101	Web
I unjustifiably got a XXXX violation XXXX XXXX 3 years ago ; I was not talking on my phone and proved it via showing the exact day/time of my phone bill. I also wrote a letter disputing the claim and they made me go to court 7 times on this matter also took my driver 's license away! I wrote a legal letter stating they are wrong, using the Appellate Division, Superior Court, XXXX County. PEOPLE of the State of California, Plaintiff and XXXX, v. XXXX XXXX XXXX, Defendant and Appellant. No. XXXX. Decided : XXXX XXXX, 2013, case as the model. Long story short, XXXX XXXX XXXX would n't accept my supporting documentation and suspended my license. I had to pay {$170.00} + fee to attain my DL back. Now b/c someone at the XXXX XXXX court entered the check I mailed out late, they sent a debt collector to harass me for another {$300.00}! If I do n't pay it the manager threatened to suspend my license and revoke my driving privileges altogether. I can not afford a lawyer and I NEED HELP. This injustice has gone on LONG enough. Can you please help me. Sincerely, XXXX
02/05/2020	Yes	Debt collection Credit card debt	Attempts to collect debt not owed Debt is not yours	IL 604XX	Web
communicated with the company XX/XX/19 - XX/XX/19 - Sent in affidavit of proof that it was not be that opened the account with a police report. Since then the company has not sent an responding information. XXXX - Fraud Investigation Department XXXX XXXX XXXX XXXX XXXX, OH XXXX Account number ending in - XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MO XXXX XXXX XXXX XXXX XXXX XXXX ( This account is reporting paid off but this is not my account, I have never attend school here. ) I have never went and opened any account with this bank. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, IL XXXX XXXX XXXX XXXX XXXX XXXX The following I have never applied for. I Did not give any person or person of that company permission to run my credit. These inquiries are not mine. XXXX XXXX, TX XXXX ( XXXX ) XXXX XXXX XXXX XXXX, FL XXXX ( XXXX ) XXXX XXXX XXXX, FL XXXX ( XXXX ) XXXX XXXX XXXX XXXX, FL XXXX ( XXXX ) XXXX XXXXXXXX XXXX XXXX XXXX XXXX, IA XXXX ( XXXX ) XXXX I also have filed a police report with XXXX Police department XXXX Report number is XXXX
12/21/2018	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt is not yours	CT 06460	Web
City of XXXX has written tax return information in XXXX about tax form in XXXX that I owed money to them, I notified them that this was false in XXXX, and in fact they owed me {$30.00} instead. They asked for required information such as tax forms which I faxed. I completed the tax forms in XXXX and sent these back. In XXXX my tax filing to XXXX stated that again the city owed me {$18.00}, however I was contacted again that I owed them money. We have now received a latter from GC services limited Partnership in XX/XX/XXXX that we owe the city of XXXX {$250.00}. We called to dispute the charge and say that this information was inaccurate, however they are not able to provide any data or information in regards to former tax information. They recommended that we refile XXXX tax forms which is very difficult to do. At that point we asked them to provide information to us about the tax forms. We were notified that they have no additional way to get previous tax information, and that city of XXXX likely does not have the original tax forms on file.
12/04/2015	Yes	Debt collection Other (i.e. phone, health club, etc.)	Communication tactics Threatened to take legal action	CA 91766	Web
Had to check any box above because none pertained to my online experience complaint. See below : I need to file a complaint to the correct agency regarding XXXX GC Services Ltd Partnership located in XXXX CA. When trying to pay monthly agreed amount, I was forced to fill out amnesty form before continuing to make payment. Amnesty form contained answers that I did not agree to, but was autofilled by their software before I can leave page. This company is making consumers agree to information and {$50.00} fee before submitting payments. I did not agree to this and called them promptly to complain. I need to wait for them to remove {$50.00} amnesty fee before I can pay court ticket for my husband. I still am unable to pay ticket amount and his license can be effected by DMV. He must have his license for his job or he will be fired. I 'm sure they are affecting many people and their drivers licenses and need to be investigated. Please let me know if this is the correct agency or who I need to contact to get this resolved and investigated. Thank you
09/28/2019	Yes	Debt collection Credit card debt	Attempts to collect debt not owed Debt is not yours	MD XXXXX	Web	Servicemember
- On or about XX/XX/2019, the Trust received from GC SERVICES LIMITED PARTNERSHIP ( GCSLP ) an unsolicited, one page presentment ( Exhibit 1 ) alleging an indebtedness owed by the Trust to an alleged identified as XXXX XXXX XXXX XXXX, XXXX. ( XXXX ). - In response, on XX/XX/2019 via USPS CERTIFIED MAIL, I sent to GCSLP a letter demanding the validation of the alleged debt and the production of and delivery to me the unaltered, unredacted, recto and verso, original instrument of indebtedness pursuant to my right and entitlement to an exercise of equity and legal right of subrogation. - Please see attached documents of proof of me sending the letter and its receipt by GCSLP. In addition to that, please note that they are ignoring my request to modify account as satisfied, paid as agreed, which would result in changes on all agency reports ( as per the carbon copy rules of XXXX updates ). - It is very important that you please investigate and resolve as this is injurious to my character and is obstructing my ability to obtain financing.
06/12/2018	Yes	Student loan Federal student loan servicing	Dealing with your lender or servicer Received bad information about your loan	CA 94531	Web
Hello, I have sent GC services and the department of education my loan discharge application for school closure. I attended XXXX college in XX/XX/XXXX as well asXX/XX/XXXX. I left on XXXX XXXX and when I tried to go back to school the school was closed. I mailed a letter to my servicer because they garnished myXX/XX/XXXX tax return. I was told by my servicer that I did not have to pay my loan if I was in the process of loan discharge. Every time I call to try to get help they tell me theres nothing I can do? Now that I seeked legal advice a lawyer advised me to still make payments until I received a response. I was misinformed by GC services as well as XXXX College and now can not go back on my default. I recently received a denial letter for the student discharge application. I now have requested all transcripts and financial paperwork and in the process of hiring an attorney. I should not have to pay for these loans if I was never able to finish my education nor continue my education with any other school near me.
09/02/2022	Yes	Debt collection Other debt	Written notification about debt Didn't receive notice of right to dispute	UT 84120	Web	Older American
GC NUMBER : XXXX XXXX XXXX in 3 months withdrew from my banking account {$970.00} 5 Months : XX/XX/XXXX. {$41.00} XX/XX/XXXX. {$41.00} XX/XX/XXXX. {$280.00} XXXX I cancelled my debit card and ordered a new debit card XX/XX/XXXX. {$690.00} Bank authorized this withdrawal and now XXXX XXXX has the new debt card number. Then I cancell this card in XX/XX/XXXX and to this day I still do not have a debt card. In XXXX I disputed the {$690.00} through the Bank who said to resolve the charges with XXXX. I tried emails, calls, local stores to no avail. Finally I got the address of XXXX headquarters in my city. I asked the Service Agent for help. I am mocked, yes I am mocked! The agent says what do you want me to do about it? I leave very distressed, look back at the agent in the doorway with his back to me and he is swinging his hips back and forth. Now they want {$520.00} I am XXXX XXXX XXXX, have 2 phones, talk maybe twice a month and send 20 messages using XXXX2 gig I am on a run away train with no conductor.
04/01/2015	Yes	Debt collection Other (i.e. phone, health club, etc.)	Cont'd attempts collect debt not owed Debt was paid	CA 91403	Web
I am in the process of getting a Security Clearance for a job and I was told by the investigator that when they checked the courthouse under my name and drivers license the following was found ; 1. Citation Number # XXXX XX/XX/XXXX, stating it was turned over to a collection company called GC Services Collection. It did n't have a amount or anything. I tried contacting this company but was unable to get verification and copy of ticket and what violation I commited. Apparently the State of california has created a new branch of government allowing a collection company to do court work. I don'r recall getting a ticket that I would not have paid the fine and the ticket be closed. 2.Citation Number # XXXX XXXX this is the XXXX ticket that is being handled by GC Services. I went to their site and they are stating that I owe {$820.00} for a ticket i know that has been paid and should be closed. Please assist me in getting this collection company acting as the court of law to remove this erroneous information.
02/11/2018	Yes	Student loan Federal student loan servicing	Incorrect information on your report Personal information incorrect	GA 30345	Web
Back in XX/XX/XXXX/XX/XX/XXXX my wages was garnishes for a student loan that I was unaware of the origin. So as I kept trying to go back to figure out who the original company was to even know if this was accurate to stop the garnishment. The company I dealt with agreed to stop the garnishment but I had to agree to switch the new payments to XXXX. The companys name is GC services. This happened in XX/XX/XXXX. So whenever I attempt to log on their website and pay it says my information is incorrect. I then pull my credit report and I realize my date of birth is incorrect which is now making me wonder if this loan even mines to begin with. It separate from the other loans I have had. So Im looking for some clarification. I attached what information I had from GC SERVICES. Again a loan was being garnished and they were taking all of my paycheck at the time. They sent me documents and told me my loan would be restructured and thats how I started with XXXX. I mistakenly never asked for proof of the loan.
11/16/2020	Yes	Debt collection I do not know	Communication tactics You told them to stop contacting you, but they keep trying	TX 76028	Web	Servicemember
The company is calling trying to collect a debt from my mother-in-law, XXXX XXXX. The first time they called was a couple months ago. I told them she did not live here and to not call again. They said they would remove my number. On XX/XX/2020 they called again. I told them again she did not live here and to not call back. They said they would remove the number. Today, XX/XX/2020, they called again. I did not get the name of the person calling. I again told her she did not live here and to not call again. She started asking me questions I said I would not give her the phone number and that I already asked them to stop calling. She started trying to tell me they had never called before and I told her they had because I have it documented. She would not stop trying to get the phone number from me. She then said well will you give her a message. I said again this is not her phone number and I want you to stop calling me. I even told her she was violating FDCPA twice and that never deterred her.
04/01/2019	Yes	Debt collection Other debt	Written notification about debt Didn't receive notice of right to dispute	FL 341XX	Web
In XX/XX/XXXX I canceled my phone bill. I have never been contacted since then to be advised of any outstanding balance. On XX/XX/XXXX I found a collections account on my credit report by GC Services for {$370.00} that was placed on XX/XX/XXXX. GC Services stated they received the account being past due in XX/XX/XXXX ( less than 90 days from cancellation of account ). I contacted the phone company and paid the balance in full. The phone company advised they would have GC Services remove it from my credit report as a collections account. As of XX/XX/XXXX I contacted GC Services directly to request them to remove it from my report. They are refusing to remove it from my credit report as they claim that they attempted to contact me numerous times and always got voicemail and never a response by mail after mailing letters in a white unmarked envelop. As of XX/XX/XXXX I never got any notification from them and I never received any type of Certified/Signature mail to ensure receipt.
02/16/2016	Yes	Debt collection Other (i.e. phone, health club, etc.)	Cont'd attempts collect debt not owed Debt was paid	NY 10467	Web
I tried XXXX service for my family, I cancelled after 10 days of service due to bad signal strength, I paid over {$350.00} to return equipment and close account, 2-3 months later XXXX sends me to collections for usage of 10 days of service, I paid the usage fee on XXXX/XXXX/XXXX and balance was XXXX .... Today is XXXX/XXXX/XXXX and I am still showing an active collection account from GC services on behave of XXXX, after numerous calls hours of phone conversations with XXXX and GC, XXXX admitted that the balance is and should be XXXX from XXXX/XXXX/XXXX ... A supervisor from XXXX had me 3-way a phone call to Collection agency, but the collection agency disconnected the call and refused to speak to XXXX ... I am now being denied a mortgage loan because of this negative collection report .... Please erase this negative from my credit as I am trying to make the biggest purchase of my life and realize the American Dream at the same time, not only for me but also for my family of XXXX.
03/20/2016	Yes	Debt collection Other (i.e. phone, health club, etc.)	Disclosure verification of debt Not disclosed as an attempt to collect	NY 11967	Web
XXXX has put me in collection and my debt was paid. I was not told I was going into collection as I was not aware of this at all. When I received the paper stating that I was in collections is when I paid the balance of {$430.00}. This was disputed and was suppose to be taken off my credit report as it is not. I just recently purchased a vehicle and it effected my monthly payment as it shows I am in collections. When I had fought this several years ago I was told it would be off and again it is n't and it is effecting anything I need to do in the future. I am not happy with this as XXXX is a big company and was paid with no problem. The collection name on my credit report is called GC Services on XXXX/XXXX/13. I would like this to come off my credit report so it does not effect me purchasing a house in the future, as stated it already has effected me purchasing a vehicle. I do not have any other debt on my accout as I pay everything on time and do not have anything out standing.
08/04/2015	Yes	Debt collection Other (i.e. phone, health club, etc.)	Disclosure verification of debt Right to dispute notice not received	CA 95926	Web
On XXXX XXXX they reported a collection account to the major credit bureaus. The account is a fraudulent account, due to a robbery we had in 2008 we have become the victims of identity theft. XXXX Services admittedly sent no letters or made no calls to the phone number or address that belongs to me, this information could have been found when they looked into my credit files, they would have also noticed the fraud alerts. By not sending me information and giving me the chance to dispute they took away my rights under the FTC 's FDCPA, I informed them of this and they offered no solution. They also stopped communicating with me and will not respond, I have also filed a complaint with the FTC regarding this matter. I am in the middle of XXXX and personal financing and this collection account that I did n't have the ability to correct before it went to the credit bureaus just dropped my credit scores XXXX points between the XXXX bureaus. It 's causing me monetary damages every day.
12/13/2016	Yes	Student loan Federal student loan servicing	Dealing with my lender or servicer Keep getting calls about my loan	GA 30315	Web
A lady name XXXX XXXX from GC Services keeps harassing me and my family about my Federal Student Loans even though I told her that I have already went through the Obama Program to consolidate my loans and they should be paid off soon by the consolidation program that I went through. She keeps calling my cell phone and home phone everyday trying to make me consolidate my federal loans with her and her company when I have already consolidated with another company. It 's to a point I ended up blocking the number that she calls from. Then once she figured out that I blocked her, she went and looked up my niece information who has nothing to do with my loans and she is not even a co-signer on my loans either and she called her cell phone asking does she know me, does she have any contact information for me. My niece told her, '' Yes, I do know her and no I am not giving out her information. '' When my niece told me that, I was very angry that XXXX XXXX started harassing my niece.
03/25/2019	Yes	Debt collection Federal student loan debt	Attempts to collect debt not owed Debt is not yours	TX 78521	Web
I received a call from GC Services asking me to confirm my date of birth and social security number. I refused to do so to protect personal and confidential information. They refused to tell me what they were calling about. Since then they have repeatedly called and left messages. No information has been provided to me at all. Today I received an email from my employer attaching a purported " Order of Withholding from Earnings '' from GC Services. THE NAME AND THE SOCIAL IN THE ORDER ARE NOT MINE, NOR IS THE DEBT. GC Services has unlawfully and improperly attempted to get my employer to pay my money to them directly. Now, conveniently, they do not answer any calls. The " order '' cites 20 USC 1095a as not requiring a court order. However, said section authorizes the XXXX XXXX XXXX ( not GC Services ) to initiate a proceeding, which requires a hearing and NOTICE. GC Services misstates law in an attempt to improperly garnish my wages for someone else 's alleged debt.
02/13/2022	Yes	Debt collection Other debt	Took or threatened to take negative or legal action Threatened or suggested your credit would be damaged	IL 60438	Web
Received letter from GC services stating alleged debt. I had until XXXX to respond to letter. I responded XXXX, it was received and uploaded in my chart XXXX. Called days after to confirm receipt. Spoke with a young lady who stated that the dispute was open and the collection activity would be put in a hold status until client gets back to them. XX/XX/22, the collection posted to all 3 credit bureaus. Called XXXX, spoke with a young man who stated that it was the companys fault and it should be fixed shortly. Waited a couple days and called back. I was told that although i disputed debt, it would still post to my credit report and keep posting until noted otherwise. Spoke with XXXX XXXX, a supervisor, who stated that they were holding up their end of the bargain. He stated that although I responded in time, it was normal business practice to report to credit bureaus. I asked how long will this take. As long as it takes XXXX to send proof. Horrible company!
05/18/2016	Yes	Debt collection Other (i.e. phone, health club, etc.)	Cont'd attempts collect debt not owed Debt is not mine	UT 843XX	Web
GC Services was hired by XXXX XXXX to collect on a debt that belonged to my ex-wife. I wrote them a letter within the 30 days required contesting the debt and requesting verification. In response I received a letter asking that I call a representative to discuss the debt. No verification of the debt was enclosed in that mailing. I called the representative, who merely tried to push me into paying on the debt. I declined to do so, and sent a second letter requesting verification of the debt. They did not send the verification ; instead, they sent me a letter advising me that the debt had been reported to credit bureaus. While CG Services has resolved the issue ( after I filed complaints with the State Attorney General 's offices in Idaho and Utah ), it should still be noted that they violated the Fair Debt Collection Practices Act by failing to provide verification of the debt. Which they did n't have ... probably why they would n't send it.
08/30/2018	Yes	Debt collection Other debt	Took or threatened to take negative or legal action Threatened or suggested your credit would be damaged	TX 774XX	Web
My Husband & I joined XXXX XXXX a year ago and I am on the account.We always paid our bills on time.Since joining my Husband has ended up in XXXX & left me with XXXX money. I am low income & have a small child to raise.Our FINAL bill was {$160.00}, I emailed XXXX XXXX asking for a payment plan of {$20.00} a month ... .more if possible.They accepted my request.My first payment was for {$20.00} & my second for $ 50.All the sudden I got a call from a collection agency named GC Services requesting the remaining balance of 99.00.I was upset bc my account was actively being paid off already.I never breached any agreement with XXXX.But I agreed to pay the balance on XX/XX/2018, as long as XXXX sent me a email or letter promising that they had not damaged my Husband 's credit record already.Not a lot to ask, if I am gon na pay them as requested.Tmw is XX/XX/XXXX & I have received nothing from XXXX, to this day . GC Services promised that I would.
04/23/2015	Yes	Debt collection I do not know	Communication tactics Frequent or repeated calls	FL 33143	Web
This man by the name of XXXX was borderline aggressive and rude. After picking up the call, he assumed he was speaking to the debtor which he was not. I asked him to give me his contact information, and he just replied by claiming that I was in deed the debtor. At this time, I again stated I was not and repeated for him to give me the name of the company he was calling on behalf of, and he responded by again repeating the debtors name. I informed him that this number has been calling this residence non-stop and if he could provide me with the company he was representing. He replied that I did n't need to know this and not to concern myself. I ended the conversation by telling the agent that he was Very rude and he should brush up on his communication skills when calling someones home and that he should ask instead of accuse people of being another person. It is Ridiculous how some companies are allowed to treat consumers in this way.
04/15/2019	Yes	Debt collection Other debt	Took or threatened to take negative or legal action Threatened or suggested your credit would be damaged	CA 95670	Web
So I moved my cell phone carrier from XXXX to XXXX in late XXXX of 2018. I called XXXX account representative asking to settle my final bill and any additional costs regarding my phone and contract, according to them at the XXXX XXXX at their corporate office, I owed nothing on my phone, ( paid off ). I made several last payments to them during XXXX.-XXXX. 2018 with a total of approximately {$160.00}. Approximately 2 months later after I had been told that my payments were all done I received a letter from a credit agency telling me I owe XXXX {$190.00} in a final bill. The lady at the credit agency told me today that this bill is for additional costs after I traded in my old phone and switched carriers. This credit agency has also been threatening my credit score. I am a single parent who is looking for a job. I can not and shouldnt have to pay an amount that I have an email verification from XXXX telling me I was free and clear.
01/27/2021	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt is not yours	AL 354XX	Web
I received information from you attempting to collect the above-listed alleged debt. Your initial communication to me of the alleged-debt was within 30 days ago. Please be further advised, I dispute the validity of the alleged debt in its entirety. Further I request verification of the alleged debt, including, the name and address of the original creditor, along with a copy of a signed contract with the creditor. I have disputed this debt with the credit bureaus and it came back verified Where are the documents that your company used to verify that you are reporting these accounts accurately? What is the name of the person in your company who verified the accuracy of this account? What documents did they use to verify them? Please provide me with the name of that individual, their company title, and telephone number as well as copies of the documents that they used to verify that this disputed item are being reported accurately.
09/07/2017	Yes	Student loan Federal student loan servicing	Dealing with your lender or servicer Received bad information about your loan	IL 60620	Web
Hi im reaching out because I have never went to this school, i asked for the original contracts and paperwork with my true signature, contract anything. instead i received a blotted out promissory note with electronic signature on file that i never gave consent. I have sent in 3-4 dispute letters to gc service collection agency asking for the papers with my true signature and they never produce it. however i have a XXXX. sent to my employer to have my wages garnished which is unfair because i have cooperated with GC services. can you please investigate this matter i have reached out to the apollo helpline that is with XXXX international school and department of education but they all are asking for my true signature that i refuse to give until see some paperwork that i have signed, i called my local police department and they said that there is nothing that they can do without some paperwork. please help thank you in advance.
03/15/2017	Yes	Student loan Federal student loan servicing	Dealing with my lender or servicer Need information about my balance/terms	MA 01832	Web
About 6 months or 7 months ago i received a called, from A company called GCS Services.Its regarding my student loan.And they said, this is a debt collector, they asked me for my name : And i said, why? what is this is about. They told me, they would help me to get out of Default, after 6 consecutive payments.And i agreed, even set up a payment plan for {$84.00} every 28 monrhts of the month.The last payment was on the XX/XX/XXXX of XX/XX/2017, next payment is the XX/XX/XXXX {$84.00} On XX/XX/2017 US DEPARTMENT OF EDUCATION , sent me debt collection Bill for {$84.00} i decided to contact them regarding my bill.They said, they we n't sure or what i was referring too. And also all the money i was paying GC Services, they are not Aware of anything. I was so devastated by the news. After all of my effort, and hard work to have the Funds on my, account on time. This generate alot of stress and frustration on my behalf.
01/13/2017	Yes	Student loan Non-federal student loan	Dealing with my lender or servicer Keep getting calls about my loan	TX 77530	Web	Servicemember
I have a debt collector calling my work number, after I have stated to not call me at work. My work phone number is also on the do not call list, yet I still receive harassing phone calls at work. The last phone number to call me was XXXX and the lady 's name is XXXX at xt. # XXXX. I requested that she not call me at work, and she has my cell phone number. my husband has recently been in XXXX and out of work. I 'm not concerned with any debt from years ago at this time, but will gladly work out payments at a later time. My hope is to just get this company to NEVER call me at work again. They have called me at work before and I need them to please stop, can you please help me? It goes beyond debt collecting when it 's harassment to this extent. please help me get this company to just get my WORK PHONE NUMBER off of their list of numbers they are calling me. thank you for your help. Kindest regards, XXXX XXXX XXXX
03/31/2016	Yes	Consumer Loan Installment loan	Managing the loan or lease	MO 641XX	Web
My expense account was not paid from my organization. XXXX XXXX referred the account to GC services XXXX. At approximately XXXX XXXX XXXX called my cell and left a voicemail. At XXXX, my husband called and told me he spoke with XXXX XXXX and she disclosed that there was an outstanding debt. This is in direct violation of the FDCPA ( b ) Communication with third parties Except as provided in section XXXX of this title, without the prior consent of the consumer given directly to the debt collector, or the express permission of a court of competent jurisdiction, or as reasonably necessary to effectuate a pos tjudgment judicial remedy, a debt collector may not communicate, in connection with the collection of any debt, with any person other than the consumer, his attorney, a consumer reporting agency if otherwise permitted by law, the creditor, the attorney of the creditor, or the attorney of the debt collector.
02/06/2017	Yes	Debt collection Credit card	Improper contact or sharing of info Talked to a third party about my debt	NY 144XX	Web
I am writing to ask you to STOP it with all the harassing to calls to myself, my employer ( which can and will get me fired ), and to any and all family members near and far. I have been receiving multiple calls daily, as well as, have people in my husband 's family, my dad 's family in which we are estranged from, co-workers, and my elderly grandparents. The caller, XXXX on some occasions, has not only violated my rights by telling third parties about my debt, but has also been telling straight out lies to those other people she has been calling, saying that I gave her that number to contact me with. That is just illegal. If these calls to myself and others do not stop ASAP, I will be getting an attorney and filing charges against your company. I will be mailing your company a hard copy of this letter. I hope that the next time I hear from you guys, it will be to tell me that you will stop calling.
09/25/2016	Yes	Student loan Federal student loan servicing	Dealing with my lender or servicer Having problems with customer service	FL 33157	Web
GC Services is handling my defaulted student loan. They will not come up with a repayment plan without asking me for detailed financial information, to include my most recent pay stubs and tax returns. They were talking about wage garnishment or a monthly payment in excess of XXXX-XXXX dollars for something called a Loan Rehabilitation. Their phone calls are non-stop and from several different telephone numbers. I want nothing more than to get this back on track as it is killing my credit rating. I am sufferning over this but really want to settle on a reasonable monthly payment, not what feels like a car payment. I have XXXX young children and many expenses, including a mortgage that is nearly XXXX dollars a month. The monthly payment I had before this went to GC would be affordable now. I wish there was a way to agree on a reasonable payment without handing over all of my financial information.
06/12/2016	Yes	Debt collection Federal student loan	False statements or representation Attempted to collect wrong amount	CA 92009	Web	Servicemember
US Dept. of Education Student Loan : This loan came about through my attendance at XXXX XXXX University in XXXX where I was granted a XXXX, due to the negative experiences there where in my first week my dorm room door was kicked in and my laptop costing over {$2000.00} was stolen, I decided not to return. The University then converted this " XXXX '' into a student loan and have been holding my transcript preventing me from completing my education at this time. I have attempted on several occasions to contact the college without avail. The original issuer of my XXXX when I was inducted in the XXXX with a GPA of XXXX is no longer with the University and no one is honest or has the integrity to check the records and be honest and release my records. I am unable to complete my education now that I am back in XXXX due to this. Please help it would be greatly appreciated. Thank you. Kindly, XXXX XXXX
03/18/2022	Yes	Debt collection Other debt	Took or threatened to take negative or legal action Threatened or suggested your credit would be damaged	GA 301XX	Web
XXXX XXXX and its collection agency GC SERVICES have reported me to the 3 major credit bureaus for bad debt for a debt that I do not owe. I had services with XXXX XXXX from XX/XX/XXXX through XX/XX/XXXX. More than the original agreement of 2 years. I kept their services on a month to month basis and signed no added / new contract with them ever. Somehow they are trying to charge me {$170.00} for an early cancellation fee. When asked about a contract showing this, neither XXXX XXXX nor GC SERVICES can provide one and have reported me to the 3 credit bureaus as Bad Debt which is affecting my credit score and home buying process. When called and asked to remove this, GC Services claimed they could not advising that I would have to call XXXX XXXX. XXXX XXXX advised that the debt does not belong to them and still can not provide a contract to verify an " Early Cancellation ''. Someone please help...
12/29/2020	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt is not yours	WA 98387	Web
I have disputed a collection account that was added to my credit report in XXXX. Both times they are stating they have verified as accurate. I have not received any verification or validation from the collection company Gc Services that I owe XXXX. There is no contact information for them on my credit report for me to contact them directly. I have requested proof of my signature that I have a contract with Gc Services and have not received that documentation from XXXX. XXXX is not verifying properly. They are using a computerized system instead of contacting this collection agency by phone and getting the proper documentation that I owe them money. I am requesting this be removed from my credit report. This does not belong to me and they have to provide me with verification/validation with my signature that I have a contract with this company and owe them money. To date this has not happened.
06/22/2018	Yes	Debt collection Payday loan debt	Communication tactics Frequent or repeated calls	CA 90660	Web
GC Services uses the following tactic : They have been contacted with a complaint that has been filed against you and that they are getting ready to send the paperwork to you through the XXXX XXXX County courthouse. They have also left several messages threatening to serve me with ppwk. at my workplace and if I am not available they will need to get a signature from the upmost authority at my job and expose my business to the managers because they will need their verification that they are at the right place. The most recent one is : they sent me a text that contained all my sensitive personal information. I have never given this company permission to text me and I don't think it's legal to text personal information. They don't know if it's the right number. That could of landed in the hands of someone that could of easily used my information negatively. They texted my ss #, dob, and my name.
01/03/2020	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt is not yours	PA 18018	Web
I am lodging a formal complaint against gc services debt collector. This debt collector has reported derogatory information on my three credit reports for a debt in the amount of {$2000.00}. This account just appeared on my credit reports without sending me a dunning notice in the mail, which gives me 30 days to dispute validity. This is a violation of the fdcpa/fcra. I have never had an account with XXXX, I've been with XXXX my whole life. So I don't understand why this company would report derogatory information without contacting me first. I am in the process of purchasing my very first home for my family and I, which this errounous account is now holding me back from accomplishing my dream home. I am requesting this account be deleted from my credit reports immediately. XXXX, and attorney general complaints will be filed if this account isn't removed immediately. Thank you for your time.
03/25/2022	Yes	Debt collection Other debt	Written notification about debt Didn't receive notice of right to dispute	IA 523XX	Web
While checking my credit report XX/XX/2022 I noticed a new XXXX. G C Services opened an collections account on XX/XX/2022. They listed it with the credit reporting agencies. As of XX/XX/2022 I have not received any communication from with company. I have not received any thing in the mail or by a phone call. On XX/XX/2022 at XXXX I contacted the G C Services via a phone call and spoke with a guy named XXXX XXXX He told me " we were hired by XXXX XXXX to collect money. '' He gave a phone number to contact XXXX XXXX XX/XX/2022 at XXXX XXXX I contacted XXXX XXXXk who told me " the account is closed and that the bill is not in my name. That I was on the account as a user. That they don't have my social security number to collect money. '' XX/XX/2022 at XXXX I called G C Services and spoke with a female who " Sir I can't talk to you about this account, The account is not in your name ''.
09/20/2015	Yes	Debt collection Federal student loan	False statements or representation Attempted to collect wrong amount	NY 14620	Web
This company has ruined my life because of their dishonesty. They initially told me that it would be {$600.00} on top of my garnishment to get out of default, an amount I could not afford. 5 months later that amount dropped to {$160.00}, which made no sense. When I asked if I had any recourse, if there was any XXXX I could go to to dispute this, they blatantly told me no, I could not appeal. Had they quoted a manageable number to begin with, I would be out of the garnishment and would have avoided XXXX I have made this year. I was not getting any of their communications -- including the ones warning me of the garnishment. I had to tell them XXXX times that my address had changed. Two days ago I asked if they could delay my payment 4 days. They agreed. I recorded the phone call as proof. It came out of my bank account as scheduled anyway. This will result in all kinds of fees.
03/27/2015	Yes	Debt collection Other (i.e. phone, health club, etc.)	Cont'd attempts collect debt not owed Debt is not mine	IL 62040	Web
I closed my account with XXXX and in my conversation on the phone I asked if this was the last payment I owed. They responded yes and I promptly paid my last bill. XXXX then stated that I needed to send their equipment back to them or I would be charged. They wanted me to get on my roof to take off a part of the actual XXXX. I told them I was physically unable at the time to get on my roof. I promptly returned the rest of their equipment and I paid the shipping costs. A few weeks later XXXX contacted me and said they made an error in billing and that I stilled owed them {$100.00}. I told them my account was closed and to listen to the recorded conversation that I had with their last customer XXXX To this day they contend that I still owe them which I do not. I have contested this fact from the beginning and I REFUSE to pay this bill. Please help in getting this removed from my report.
04/14/2020	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Account information incorrect	AL 362XX	Web	Servicemember
Creditors are not reporting correct information to XXXX, XXXX, XXXX. On XX/XX/2020 I contact GC Services Limited Partnership via telephone ( XXXX ) in reference to a correspondence received deliver to my mailbox offering a settlement to resolve my XXXX XXXX XXXX XXXX Account. The offer was accepted and the payment was made to fully resolve the account. I immediately request proof of payment, as well as, proof that the account was settled in full. They requested I send a email to request the verification that the account was fully settled. On XX/XX/2020, I received a call from their unit manager requesting a fax # for them to fax the proof of resolution. She stated the information would be reported to the the credit reporting agency and updated by end of month XX/XX/2020. As of date XX/XX/2020, the negative information is still showing on ALL 3 credit bureaus and has been disputed.
11/30/2020	Yes	Debt collection Credit card debt	Attempts to collect debt not owed Debt is not yours	TX 77083	Web
I responded to a contact about collecting a debt by GC Services. GC Services contacted me and my family by phone and identified the debt as due. I told them the person they are trying to reach is not available in this phone because she passed away. I told them several times to stop calling me because I do not have any responsibility for the debt they trying to collect.I also told them if they have good reason to believe that I am responsible for this debt, mail me the documents that make them believe that. Stop all other communication with me and with this address, and record that I dispute having any obligation for this debt. If they stop the collection of this debt, and forward or return it to another company, please indicate to them that it is disputed. If they report it to a credit bureau or have already done so, also report that the debt is disputed. Thank you'r cooperation.
04/24/2021	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt was result of identity theft	AZ 85704	Web
My Identity was stolen a few years back and accounts have popped up from time to time. a XXXX XXXX XXXX account and a couple of over accounts were opened and eventually defaulted on. GC collection services is refusing to work with me. Under 605b, You are required to provide a police report and FTC affidavit which I did.If that information is provided is must be deleted by XXXX and GC services. If you submit a copy of a police report to the CRA, the CRA must remove the identity theft info without any need for creditor review or concurrence. A police report is a sworn statement before a law enforcement agency, and thus has potential for action against the consumer for any knowingly false statements, and is the FCRA-approved manner of getting rid of fraud and identity theft accounts from your credit report. The dispute process is not usually the manner to deal with them.
11/01/2022	Yes	Debt collection I do not know	Took or threatened to take negative or legal action Threatened to sue you for very old debt	MI 48197	Web	Servicemember
This is a formal Notice XXXX XXXX that GC Services Limited Partnership has violated my rights as a Federally Protected Consumer and must provide me with compensation pursuant to XXXX XXXX. XXXX XXXX XXXX XXXX XXXX and XXXXXXXX XXXX XXXXXXXX Fair Debt Collection Practices Act and has REFUSED my demand for monetary relief. GC Services has failed to address and resolve their violations of the XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX arising from their written and oral communication with me. See attached Notarized Affidavit for the specific violations and how GC Services violated me. This matter must be addressed. The XXXX and XXXX Notice that GC Services has received illustrates that they may contact me to invoke the specified remedy I have demanded. If GC Services continues to ignore my demand for monetary relief I will seek my remedy through litigation.
05/18/2016	Yes	Student loan Federal student loan servicing	Dealing with my lender or servicer Having problems with customer service	NY 136XX	Web	Servicemember
my student loans have been in default for a couple years. In 2014, I contacted the debt collectors for the loans and set up consistent payment plans. I turned in all the paperwork several times and even sat down with the consultants over a dozen times to fill out the paper work the exact way they needed it. They keep losing my paper work and kept telling me I needed more and more stuff to send in. Finally I talked with the manager and he gave me everything I needed to turn in and I completed it all. He told me that my student loans would take 6-8 weeks to be out of default. After not hearing from them for 3 months ( and still making my monthly payments which now was over 14 months of paying consistently ) someone finally called me and said I needed even more paperwork. I would like to start college again but I cant because these people will not get it together.
02/21/2019	Yes	Debt collection Other debt	Took or threatened to take negative or legal action Sued you without properly notifying you of lawsuit	CA 90746	Web
XXXX Is citation number I found out that I had a ticket years ago for riding a bike on wrong side walk but really I just was unlocking bike and cop illegally searched me I asked why and got that ticket which I thought was payed off using XXXX program which I wanted to fight but I was poor at the time. since then I obtained license there was no Holds and I never received notice or anything that I still owed anything and GC services took my tax refund without notifying me at all not one notice not one call not one letter and I honestly feel like they should have let me know some kind of way in advance instead of intercepting my tax return which in my opinion is the equivalent to a bully taking your lunch money everybody please move out of California you dont have to put up with this and they took my whole refund and I didnt even owe that much on the ticket
11/01/2019	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt is not yours	NV 89031	Web
On XX/XX/XXXX, I disputed through CFPB that this account was not mine. In those 15 days, they've done NOTHING. It doesn't take that long to verify an account. I requested specific documentation, which would leave GS SERVICES 15 days remaining, to provide me with this documentation. FCRA does give 30 maximum. I requested all documentation ( not an invoice ) showing even a contract bearing my signature ( FCRA 609 ) - they have no contract. That being stated, what proof were you given that this account was even opened by me?! I gave them police report number, and FTC report. Which gives a time frame that collection agencies have to remove an account. Same for bureaus. The collection was given to your office in XXXX YET I still have XXXX XXXX currently in my name. FCRA 609, 823 - provide me the contract bearing my wet signature or delete it immediately.
08/27/2018	Yes	Debt collection Credit card debt	Attempts to collect debt not owed Debt is not yours	TX 76126	Web
On XX/XX/2018, I made a call to GC Services and made a {$990.00} payment for my father 's account ( XXXX # XXXX ). The representative took my payment and said there may be a small sum left over. A week or so ago I am called back by XXXX XXXX asking if I could cover the remaining of the balance. I informed her that I was not the account holder, and that this was my cell phone number ; never provided or gave them authorization to call. She asked if I had another number so I could reach my parents. I provided it, and ended the call. The next day she called informing me that she was trying to collect the payment. Again, I informed her this wasn't my account and that she needed to call the number I provided. Mrs. XXXX advised that there was a note to not call the number I provided, and asked if I could get a message over to my parents to have them call.
03/13/2017	Yes	Debt collection Other (i.e. phone, health club, etc.)	Disclosure verification of debt Not given enough info to verify debt	TX XXXXX	Web	Servicemember
Pursuant to 15 USC 1692g Sec 809 ( b ) of the FDCPA. I sent a Certified Collection Validation Letter to GC Services Limited Partnership on XX/XX/XXXX. As of XX/XX/XXXX They did not reply to my request therefore this account should be removed from all 3 credit bureaus. According to XXXX they did not reply to my letter with the proof of debt. Instead, they filed the response under cease and desists all communication on XX/XX/XXXX. This information was put in by XXXX. However, the letter states " that no further telephone contact be made by your offices to my home or to my place of employment '' It does not state cease and desist written communication. I was told that GSC never forwarded my information to the original creditor XXXX. As a result and against 15 USC 1692g Sec 809 ( b ) of the FDCPA this account has been reported to all 3-credit bureaus.
11/12/2018	Yes	Student loan Federal student loan servicing	Dealing with your lender or servicer Received bad information about your loan	TX 75007	Web	Servicemember
In XXXX, I applied for XXXX XXXX College taking out 2 loans {$4000.00} each. Graduated in XXXX. Attended XXXX XXXX Colleges for several years, no loans. XXXX consolidated with XXXX XXXX. Unemployed for several years, {$0.00}. balance, loan forgiveness through XXXX XXXX. XXXX, my tax refund is taken by dept of education. I request proof of debt, only partial information recieved to me. Dispute. Doesn't matter. Request documents, only partial was sent to me. My new balance reporting as around {$60000.00}. and has wrecked my credit report. Agree to reestablishing loan so I can change some of this and set up auto pay. Successfully paying for several months now but they still report me as no payment every month. I can't even qualify for a studio apartment in a questionable area because my credit shows a {$60000.00}. loan debt with current no repay.
07/28/2017	Yes	Student loan Federal student loan servicing	Struggling to repay your loan Can't get other flexible options for repaying your loan	CA XXXXX	Web	Older American, Servicemember
THIS LOAN HAS ALREADY BEEN PAID OFF ( SEE ATTACHED DOCUMENTS ). PLUS I WAS CHARGED INTEREST AND " FEES '' ( WHATEVER THAT MEANS ) LONG AFTER THE DEBT WAS PAID!! THE DEBT WAS PAID TO THE US TREASURY DEPT, BUT WAS NEVER REPORTED TO THE DEPT OF EDUCATION!! TO THIS VERY DAY XXXX XXXX, 2017, THE DEPT. OF EDUCATION DOES NOT HAVE A RECORD OF THESE PAYMENTS!! AS A MATTER OF FACT, NONE OF THE COLLECTION AGENCIES WHO HAVE EVER HANDLED MY CASE, NEVER HAD A RECORD OF MY PAYMENTS TO THE US TREASURY DEPT!! THIS IS AFTER REPEATED NOTICES TO THESE AGENCIES THAT I HAD PAID THIS DEBT OFF!! THEY REFUSED TO, FOR WHATEVER REASON, TO IGNORE THIS FACT!! EVEN THE DEPT OF EDUCATION, AGAIN FOR WHATEVER REASON REFUSED TO ACT ON MY REPEATED NOTICES THAT I HAD PAID THIS DEBT THROUGH THE US DEPT OF EDUCATION!! THE SUPPORTING DOCUMENTS FROM THE US TREASURY DEPT. PROVES THAT!!
10/24/2016	Yes	Debt collection Other (i.e. phone, health club, etc.)	Disclosure verification of debt Not given enough info to verify debt	WI 53186	Web
After receiving a notice in the mail on XX/XX/2016 from GC Services I made a contact call to XXXX. I received a return message to contact the agency at XXXX. The person who took my call proceeded to collect personal information from me regarding who I work for, who I bank with and my martial status. I did not understand why this was needed. I did n't understand why I 'm being contacted by this agency regarding taxes that were already paid to the City of XXXX. The caller proceeded to tell me that I needed to mail GC Services at XXXX XXXX XXXX, XXXX TX XXXX and send them copies of my cashed check, XXXX. I do n't understand why I needed to mail private financial information to an agency when all I 'm trying to understand if I owe this debt. I was not polite during this phone call. On XX/XX/2016 I mailed an official notice to verify the debt.
02/21/2017	Yes	Debt collection Other (i.e. phone, health club, etc.)	Cont'd attempts collect debt not owed Debt is not mine	LA 706XX	Web
I recently disputed a collection account on my credit reports from a agency by the name of G C Services on behalf of XXXX XXXX. According to the collection agency they " verified '' with their client that the account is in fact my account using my name and address. They also enclosed documents to prove this. Upon the reviewing of these documents it is clear that this is not my signature, nor is it my name signed on these documents also I have never resided at the address listed on the account. This further proves that this is not my account. I would like these documents to be reviewed and this account that is falsely reporting negative information on all XXXX of my credit reports removed immediately. I would also like this account to be blocked from reinsertion due to the fact that it is hindering me from obtaining positive credit lines.
03/17/2016	Yes	Student loan Federal student loan servicing	Dealing with my lender or servicer Keep getting calls about my loan	WY 82001	Web
I was in a repayment agreement with GC Services for XXXX. After my tax refund was offset I learned not all of my loans were included as I was led to believe. I have since consolidated through XXXX XXXX. GC Services/XXXX was notified on XXXX/XXXX/16. Also in XXXX, XXXX, on XXXX/XXXX/16 and XXXX/XXXX/16 GC Services/XXXX was specifically told not to call me at my place of employment. They are able to call my cell phone, which they do, although they do not leave a message, they only try to call and then call my employer immediately thereafter. My consolidation loan is complete, and they are no longer able to collect for that debt. They have been told 4 times I am not allowed to be called at work, and they continue to do so, despite the fact that it jeopardizes my employment - and therefore my ability to pay back any of my student loans.
02/04/2020	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt is not yours	PA 194XX	Web
I have received phone calls from GC Services about a debt that is not mine but is a family member 's attempting to have me contact that family member regarding the debt. They acknowledged in the first call that the debt they are seeking to discuss is not my own. They have called several times now, even after I have asked them not to and are leaving ominous messages which include things like my full legal name and asking me to call back individuals who I can not get a hold of. When I called back at the number they left and asked to speak to the person who called I got transferred to silence until I finally hung up. I called back a second time to request one of the three individuals who called to ask again to not be contacted and, although I could hear a sound as though my call was answered, no one responded to me as I spoke.
04/09/2019	Yes	Debt collection Federal student loan debt	Took or threatened to take negative or legal action Threatened or suggested your credit would be damaged	TX 75224	Web
i have tired calling and sending all my collection debts about the college i went to had closed due to fraud and i was in that mess. i sent pdf flies of eveything about the closure of XXXX college and also sent them about me and my credit report and see how i can not afford it and how XXXX lied to me about me being about to have a lifetime job source through them and everything else that happen in the fraud case against them. they call me monthly asking if i can paid my full debt to them and i cant i have stated to them that i been also going through it with u.s. department of education cause they took my taxs i have private and fed loans behind a degree that is not credited for ..i cant even use it to get a job ... i cant use it to even go to another college and higher my education if i wanted to ... how unfair is that.
09/07/2017	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt was result of identity theft	NY XXXXX	Web
An account was created in my name on XXXX, afterwhich merchandise was purchased using the easypay method. I did not do this. However after the bill was not paid an invoice for {$15.00} was sent to my father 's house. ( I currently live abroad ) The 1st letter I received was on XXXX letterhead however there was no account number. I assumed the letter was a scam and did not take action. Later, another letter was sent to my house, this time from GC services, a collection agency. As I no longer live in the country, I was very surprised to find out a XXXX account was made in my name. In total I received two letters from XXXX. XXXX had no account information and the other did not include a date. This to me seemed very unprofessional and I thought it was a scam. What kind of a company sends an invoice without an account number?
06/08/2018	Yes	Debt collection Federal student loan debt	Written notification about debt Didn't receive notice of right to dispute	TX 76502	Web
I've known I've owed Federal Student Loans for some time. I took it upon myself to contact GC Services to set up payments. I've sent ALL REQUIRED PAPERWORK, which I have PHYSICAL COPIES of and they have been collecting payments for 4 months then all of a sudden they STOPPED. I get my paycheck and 15 % HAS BEEN GARNISHED! this was alarming and a tough pill to swallow all in all I felt GC Services ripped me off I filed all paperwork even made all my payments on time and, for what!? They couldn't even send and, email to inform me.of these changes! I'm a single mother just trying my best to be an, amazing mom and, keep me and, my daughters head above water next month is her Birthday I doubt I'll even be able to afford a party. All the rep that I spoke to could say is its unfortunate and, it must be a paper jam error wowww.
11/02/2017	Yes	Debt collection I do not know	False statements or representation Attempted to collect wrong amount	PA 17110	Web	Older American
I received a call today at XXXX from a man who said he XXXX XXXX representing GC Services. He said the call was being recorded. He said my daughter XXXX used me as a reference so I thought she applied for a job. When he asked me what her current job title was I became suspicious and told him she was a XXXX XXXX XXXX, which she is n't. Then he asked for an updated address and I stopped him and asked who he was again and who he worked for. He complied and I informed him that I was also going to record the conversation. At that point he said he would remove my phone number from my records and hung up. I do n't know why he was calling me about my physically challenged daughter but I do see where GC Services was recently fined {$700000.00} for unlawful tactics in debt collection. Apparently the fine did n't matter.
12/28/2015	Yes	Debt collection Credit card	Improper contact or sharing of info Talked to a third party about my debt	NE 680XX	Web
XXXX XXXX sent my billings to the wrong address for months after they were advised that I had moved. Bills were not delivered to me until months later. When they turned bill over to GC Collections who immediately contacted my ex wife, even though she was not a cardmember. They contacted her before I even received notice that they were involved. They advised her who they were, what was owed, etc. This is not the first time this has happened. This happened several years ago on XXXX account XXXX. They went so far as to call my children to attempt to collect the debt, threatened me with court and called continuously, even though they were advised not to. XXXX XXXX was made aware of their actions at that time but still uses them. It would appear to me that XXXX is aware of the problem and approves of their tactics.
09/17/2022	Yes	Student loan Private student loan	Dealing with your lender or servicer Don't agree with the fees charged	CT 067XX	Web
I am a store XXXX for XXXX, in CT. I attended XXXX XXXX for a few months. XXXX provides 100 % free education to their employees and a company named XXXX helps to get things registered. I went for a few classes and my district manager stated that I could not attend any more because my job needed more of my attention. So, I withdrew from the class, as directed by my supervisor. I spoke with the student advisors and explained what was going on and she removed me from the one class I was going to take. I was never sent a bill, told that I was supposed to pay for this. I applied for all the federal loans/forms as XXXX had asked me to. I do not know how XXXX and XXXX even pay for these classes for the employees. I should not have to pay because it was never for me to pay, it is XXXX who conducted the transactions.
02/17/2020	Yes	Debt collection Other debt	Took or threatened to take negative or legal action Collected or attempted to collect exempt funds	TX 75035	Web	Older American
I set up payment arrangements with this collection agency called GC Services Limited Partnership who is representing XXXX. The agreement was to pay XXXX a month starting XX/XX/XXXX, I made a XXXX payment on XX/XX/XXXX, which was my 2nd payment. On XX/XX/XXXX I called to make a XXXX payment, and this is when I was told by an agent with GC Services that they need 25 % the day that I called XXXX XXXX ) and the balance by the XXXX XXXX And if I didn't make these payments they would use any cards or checking account that I ever used to collect this money. I have a print out that GC Services sent me with the payment arrangements I also received a letter from XXXX dated XX/XX/XXXX stating the same thing as GC Services. I didn't think too much about the letter because I had made the arrangements. with GC Services.
09/23/2021	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt is not yours	GA 30101	Web
Starting summer of 2020 ; I started receiving letters and phone calls from different debt collectors. I told them Ive never owed money to anyone. I pay all my bills. I also stated that Ive never even heard of nor lived at the address tied to the debt. Somehow they have my full name, date of birth, phone number and social security number. After stating this they told me they would make a notation. And I would stop receiving calls and letters ; until they sold debt to another company ; which started the process all over again. The original debt is with dish network. The two current debt collection companies are XXXX XXXX for {$330.00}. And the second is GC Services for {$460.00}. Which are both for the same debt. This has been detrimental to my credit score and caused me troubles with other loan approvals.
12/09/2019	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt is not yours	NV 894XX	Web
XXXX improperly billed me. I followed their dispute process in writing. I never received correspondence back. In my correspondence to them, I requested the all returned correspondence by in writing and mailed. This hasn't happened. Collection company contacted me and I disputed the debt with specific instructions. They failed to validify the debt. They did not respond to my correspondence. I recieved an alert that GC services put a deragatory mark on my credit report. They failed to validify the debt, or respond in writing. XXXX, failed to follow their own dispute process and have not responded. According to the dispute process, any amount is not owed due to their failure of response. GC services continues to call me current number, even after receiving do not call demand and notice multiple times.
04/21/2022	Yes	Debt collection Credit card debt	False statements or representation Attempted to collect wrong amount	NJ 07110	Web	Servicemember
I was incapacitated due to XXXX then while in hospital XXXX was discover. My XXXX credit card despite multiple attempts to enroll online and by my spouse via phone was never enrolled in protection. Account was referred to GC Services XXXX and they sent letter in XX/XX/2022 and I spoke to them via phone on 3 ocassions. Each time i spoke with them they did not disclose any covid relief and stated there is no covid protection since account is past dow and demanded full balance which is now thousands of dollars higher due to interest and penalties.The last conversation I recorded and agent again states their is no program to protect someone who was in XXXX due XXXX.XXXX stated they can not bring account back to them without GS services authorization to enroll in program and GS services will not comply.
03/26/2020	Yes	Debt collection Credit card debt	Attempts to collect debt not owed Debt was result of identity theft	GA 30132	Web	Servicemember
GCS third party debt collector continues to harass me through email notifications ; I am liable for XXXX account previously closed, latter re-open in my name without my consent. XXXX admitted due to there antiquated servers and networks resulted in data breach or cyber security attack. Kindly review the attachment of support of argument. GCS Services are culpable for damages under Section 13 ( b ) of the Federal Trade Commission Act ( FTC Act ), 15 U.S.C. 53 ( b ), Standards for Safeguarding Customer Information ( Safeguards Rule ), 16 C.F.R. Part 314, pursuant to Sections 501-504 of the Gramm-Leach-Bliley Act ( GLB Act ), 15 U.S.C. 6801- 6804 and Section 19831985 for injunctive relief, restitution and other relief having violated FTC Act, 15 U.S.C. 45 ( a ) and Safeguards Rule 16 C.F.R. Part 314.
09/01/2016	Yes	Debt collection Other (i.e. phone, health club, etc.)	Cont'd attempts collect debt not owed Debt was paid	CA 920XX	Web
GC Service is being completely unreasonable. My husband and I were traveling around XXXX XXXX, 2015 on a 6 week trip. He became sick and we needed cell phone service that worked where we were. XXXX did not work. We had to switch carriers. When I called to cancel service I asked what I owed and was told there was no final bill available. However according to your company, on XXXX XXXX, 2015 a final bill was sent. We did not receive any final bill and it went to collections in just XXXX60 days!! We did pay immediately when we found out about it. Paying did not help my XXXX scores XXXX single point. this is very unfair. It never would have XXXX to collections if I had received a bill as I would have paid it. This is the ONLY negative item on my credit report and it is preventing business lending.
05/24/2017	Yes	Student loan Private student loan	Dealing with your lender or servicer Don't agree with the fees charged	AZ 85326	Web
I receive cold calls from debt collections needing for me to pay for a loan im unaware of what it is and they will not give me any other information as to who is needing the money. I informed them I only have to XXXX types of loans and that is a federal and a private. They explain the loan that I have is neither regarding my educational loan and unbeknownst to me is absurd. Now my wages are being garnished by a collection agency who can sent a doc in regards to the loan terms in which I had explain I received when I was attending XXXX College. It is currently being handled by XXXX . I constantly monitor all my loan payments one which is through XXXX and the other is through the FED. It is a scam how I cant see who the creditor and the requesting entity needing their payment. I need help asap
04/29/2017	Yes	Student loan Federal student loan servicing	Dealing with your lender or servicer Need information about your loan balance or loan terms	OR 97420	Web
This is a follow up to complaint # XXXX . I appreciate the companies response and I would like to clarify that the issues described in my complaint were an aggregate of my dealings with all the servicers of my loans and the inability to get any concrete numbers or history of payments from ANY of them, not solely directed at GC Services. I understand that they do not set the rates or fees as stated but as the loan servicer, certainly they know the amounts. Assuming that the loan file transfers with the servicer, they should have no problem in providing me a complete account aging going back to XXXX when the garnishments began. They responded that they would be sending me the account history I asked for on XX/XX/XXXX . To date ( XX/XX/XXXX ) I have received nothing. Still waiting.
07/08/2021	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Account information incorrect	FL 33134	Web
I was the victim of multiple credit card fraud via a XXXX card. This fraud was timely reported to XXXX on multiples ocasions, to which they responded by just issuing a new credit card. Recently I noticed a XXXX point drop in my Credit Score and is due to a negative remark reported to XXXXn by XXXX on one of these fraud accounts ( XXXX XXXX XXXX XXXX XXXXXXXX ) I contacted XXXX and they told me they can't do anything since they sold this account to GC Services collection company. I need XXXX to contact XXXX and remove this remark since it was a fraudulent purchase. I need GC Services to stop attempting to collect via phone a fraudulent account. They need to work based on accurate data. I need XXXX to send me a check with the {$120.00} credit I was debited from my account during the fraud.
12/16/2016	Yes	Debt collection Credit card	Improper contact or sharing of info Contacted me instead of my attorney	FL 34769	Web
The following company : XXXX XXXX XXXX XXXX XXXX XXXX # XXXX XXXX XXXX, MO XXXX Phone : ( XXXX ) XXXX Fax : ( XXXX ) XXXX left a voicemail on my husband 's cellular phone requesting I call them back. My husband called the number from the voicemail and asked if they were a debt collection agency, or a company trying to collect a debt. The employee stated they were a " financial services company. '' Misrepresentation by omission is still misrepresentation. When asked directly if they are a debt collection agency or company trying to collect a debt, they should respond in the affirmative. In addition, the original debt holder was notified in writing, return receipt requested, that my wife is represented by counsel in this matter, and to contact only the attorney of record regarding this account.
04/09/2019	Yes	Debt collection Private student loan debt	Threatened to contact someone or share information improperly Talked to a third-party about your debt	FL 32703	Web
On Thursday, XX/XX/2019, I received a text message from my spouse ( separated at the moment ) that he keeps getting calls from XXXX XXXX ( who was the original loan holder prior to XXXX ). He said they been calling for a while now. He picked up a on this day and spoke to a gentleman. The gentleman explained that he is a debt collector looking to collect a debt from me. He told my spouse that I owe XXXX but they are willing to settle for {$13000.00}. What upsets me is that I am currently in the divorce process and contacting my spouse on a debt that has absolutely nothing to do with him. I do not think it is right and that a violation for this company to give someone information to a debt that is # 1 not theirs, and # 2 a third party that never was authorized or reference on my account.
06/28/2018	Yes	Debt collection Other debt	Communication tactics Frequent or repeated calls	AZ 85746	Web
I recently set up a payment agreement with XXXX XXXX on XX/XX/2018 for a payment agreement and paid {$1000.00} to start the agreement. I received a letter fom GC Services that they now have my account after I just set up an agreement with XXXX XXXX to pay the reminding settlement amount of {$1300.00} in the next 6 months. I called XXXX XXXX they said my account closed and they do not know why. This happened before where they said my account closed and they didn't have it than a week later someone called me saying they do have it and now again my account is closed. I just do not understand how I set up an agreement with XXXX XXXX two weeks ago and now it is closed and GC services has my account. I need to know what is going on and who I need to pay and why the account got closed.
01/28/2019	Yes	Student loan Federal student loan servicing	Dealing with your lender or servicer Don't agree with the fees charged	KY 410XX	Web
Gc Services garnished my whole payroll check! my first check since XXXX. I received no notice, no warning it was just taken. the account was not in status for garnish. They were only allowed to take 15 per cent from payroll stated from one of their customer service rep. also Legal aid stated that also to me. It was a paper check, no bank involved, therefore they did no bank levy. It was intercepted from IRS. I Would like my funds reimbursted. Date taken XX/XX/XXXX. Amount of check XXXX. I RECEIVED NO DOCUMENTATION FROM THEM before or after. I called GC services company and made payment arrangements, so this wont happen again. I called KY State treasurer, IRS, Department of Education, XXXX, XXXX XXXX, GC services about this issue and no one would or could assist me.Thank you
05/02/2022	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt is not yours	MN 55112	Web
Hi, I did pay my phone in full to unlocked it in XX/XX/XXXX and finish my membership the amount was XXXX $ under the phone number XXXX, then I switched over XXXX career on XX/XX/XXXX, since that time XXXX keep charging me around XXXX $ a month for a phone number that I've never had which is XXXX and if you call this phone number is out of service, I did talked to an agent he said he gon na fix it and will never charge me again, although the month after, they charge me again I did call my bank to stop letting them take the money, in the XX/XX/XXXX wich is 2 days ago I did talked to them again but not solve the issue they were just confused because they were mistaken and said your case is now at the collection, and now they keep bothering me with a bills that I don't owe.
03/02/2018	Yes	Debt collection Federal student loan debt	False statements or representation Attempted to collect wrong amount	AL 355XX	Web
I received a letter in the mail from GC Services Limited Partnership stating that I owe {$210.00} for student and loans so I called because I had an offset on my tax return for a smaller amount. When I called she said they had not received any money for this account and that my payment was still {$210.00}. I got another letter in the mail from the department of treasury saying that the amount of the offset WAS applied to my student loan account. I feel like they are trying to collect money that I do not owe or they are trying to collect more than I owe. She offered to let me pay {$170.00} today to out my account in good standing. I would like something to be done so that someone else doesn't have the same thing happen to them and not loose money that they don't owe.
10/18/2015	Yes	Debt collection I do not know	Communication tactics Frequent or repeated calls	TN 38018	Web
Since XXXX 2013 I have have this cell phone number. They are calling for a XXXX or XXXX XXXX. I am neither. I haverepeatedly called them back and told them they have the wrong number. Yet they continue to call. This time, they called and left a number so for the 400th time I called it back. XXXX XXXX. They all from XXXX. Called this number back also ... does n't give you any information. I think I have been pretty good about this after over two years of the same phone calls. I, again, am not XXXX XXXX..nor is my name XXXX XXXX. No where close to my name. Please make it stop. Their number does n't even show that they called because I was going to file suit against them. Amazingly it does n't even show that they called on my bill ... .Weird ..bc I have the voice mail.
07/22/2015	Yes	Debt collection I do not know	Taking/threatening an illegal action Threatened arrest/jail if do not pay	CA 93535	Web
XXXX XXXX called me at XXXX on XXXX/XXXX/2015. I did n't recognize the number, ( XXXX ), so usually let calls like it go to voice mail. This time I made the mistake of answering. XXXX XXXX threatened to have me arrested for non payment of an overdue bill from some Bank. He would not give me the name of the Bank, but said I owed over {$30000.00}. I told him I owed no one money or anything else. XXXX XXXX XXXX said he would have me arrested, take me to court, and send collectors out to my residence to take anything of value. He insinuated I had no parents, and I was a low life. I have seen the phone number about XXXX to XXXX times before, but just let it go to my answering machine, but no message has ever been left. These calls start before XXXX, and go past XXXX.
04/23/2021	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt is not yours	UT 84088	Web	Servicemember
Recieved a call from gccollection XXXX This wasn't my first call from this number they had called in the past asking if I were myself. At an address in XXXX. Which I don't live in XXXX so I ignored them. This time around I recalled my car was registered in XXXX so it might be somthing I should ask them about. The lady on the phone gave me my actual account number to my XXXX XXXX account, an address listed under a car I own in XXXX utah, and 2 dates that match a time were i had actually owed XXXX XXXX. She also gave me a subscriber #, and amount owed. Apoun calling XXXX XXXX I was told I don't owe any money on XXXX XXXX, and that this must be fraud. The email, and number I was given to contact this company back to pay the supposed debt is XXXX XXXX XXXX
09/13/2022	Yes	Debt collection Other debt	False statements or representation Impersonated attorney, law enforcement, or government official	KY 40241	Web
GC Services called me this morning about my account with the Michigan State Treasury to pay off back taxes. I made a payment today, but I was about 10 days late. I didn't know they were a collection agency until I googled the phone number. I think they wanted me to believe they were the State of Michigan. The representative was incredibly rude and hung up. I am not sure if they are going to try and ruin my credit or not, but I am NOT behind on my payments, I was just a few days late ; times are hard. I have attached proof that I've made my payments. Please tell GC Services not to ruin my credit, as I am current on my tax account. These guys have already been in trouble for impersonating government officials and making threats. Here 's the link. https : XXXX
07/24/2021	Yes	Debt collection Other debt	False statements or representation Impersonated attorney, law enforcement, or government official	MI 48219	Web
I was never sent any communication regarding a debt that I was claimed to have owed. I did not receive any info from this company until my federal taxes were offset. When I was made aware of the situation I contact the XXXX and was provided this company 's information. I contacted them and verified the debt and that was back in XXXX. I have since been attempting to make a payment arrangements on said debt but it is nearly impossible. They ask for information that I have mailed to them, three times. I had not heard anything back so I called them to see what was going on and was told that I had until XX/XX/26 to provide the information that they already have. The csr 's are of little to no assistance and it truly should not be this complicated to pay a bill.
09/21/2019	Yes	Debt collection Other debt	False statements or representation Attempted to collect wrong amount	AZ 85295	Web
I disputed the charge online with the collector. They sent me another notice and I told them I was disputing it because it was for charges for a phone I returned and XXXX did not properly close the account, reopened it and started charging me 4 months later. I spoke with XXXX several times on this issue and they continued to charge me. I contacted them again on XXXX and they told me they were submitting for a refund. When I spoke with the collector again today I told them I was disputing - I had already disputed with XXXX. They charged my credit card for the amount today without authorization - this bill is incorrect and an error on XXXX side. I spoke with XXXX later in the afternoon and again it is being submitted for a refund. The case # is XXXX.
05/17/2019	Yes	Debt collection Credit card debt	False statements or representation Told you not to respond to a lawsuit they filed against you	PA 19124	Web
Took out this loan with company to get cabinets in my new home. Contractors came directly from them and they were not new. They were installed by them directly and I never had any money exchange from them either. I was given an agreement to pay a certain amount and was doing good until I got medically sick and could no longer keep up with my payments. I was asked to have them withdraw this amount of my account and i agreed with a lower payment plan. They inputted the wrong information and was in default because of there wrong doing. I attempted to get a loan elsewhere to open up a business and was denied because of the negative report. Although I am in a repayment plan again, I called and ask for a payment history and was told they can not provide this.
10/04/2017	Yes	Student loan Federal student loan servicing	Dealing with your lender or servicer Need information about your loan balance or loan terms	MO 64506	Web
GC Services has contacted me on several occasions stating that I owe XXXX in student loans. Some if these calls were during work hours. I have asked twice to have documentation sent to me showing that I owe this loan, which they sent me a cover letter that stated I owe the XXXX XXXX XXXX XXXX XXXX no itemized statements that i asked for. They have no proof i owe this loan, and I have disputed the debt both verbally and in writing yet they have put a garnishment against my wages. I took out a student loan for XXXX the only student loan I 've ever had, they state that I also had an XXXX loan which i most certainly did not. This is why I 've asked for documentation and have received nothing. Also the customer service at GC Services is absolutely horrible!
11/09/2022	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt was result of identity theft	ID 83202	Web
Attempted to call GC Services in XXXX TX after a collection was posted on my credit file. Debt is not mine. GC Services is unreachable through a phone tree that requires information that I do not have. They also never attempted to contact myself prior to turning the debt in for collection. Also contacted XXXX, but they want more information for a service I did not receive. Why is it possible for someone to open accounts/credit in my name and run up thousands of debt without a thorough or complete credit check? Then in turn, the company wants more information from myself to cancel fraud than was likely given to open an account. Why should I have to take my time to prove they are at fault and that it wasnt me rather than a thorough credit check?
06/17/2021	Yes	Debt collection Credit card debt	Attempts to collect debt not owed Debt was result of identity theft	ID 83607	Web
I XXXX XXXX XXXX a federally protected consumer was sent a collection notice from GC SERVICES LIMITED PARTNERSHIP on XX/XX/XXXX XXXX. GC SERVICES LIMITED PARTNERSHIP has violated federal law when they a debt collector sent a bill to my home saying that I owed them {$11000.00}. They violated my consumer rights right there pursuant 15 USC 1692b. They also violated 15 USC 1692b ( 5 ) 2 TIMES, 15 USC 1692B ( 2 ) and 15 USC 1692c ( by sending the letter to my home ). There was no proof in the letter that said alleged debt was owed, no contract with my signature on it, just some nonsense about XXXX, XXXX was the original creditor but according to congress I am the original creditor so how can XXXX, XXXX claim this? What is happening here is fraud!
06/11/2019	Yes	Debt collection Credit card debt	Communication tactics Used obscene, profane, or other abusive language	IL 60505	Web	Servicemember
I called GC Services on XX/XX/2019 at XXXX hrs and spoke with XXXX. I attempted to make a settlement with payments for {$4000.00}. XXXX explained that I could not do that and he needed full payment immediately. I explained that I could not afford to pay the amount in full but I could make payments of {$100.00} per month and make settlement arrangements in XXXX when I received my military sign on bonus. He said he could not accept this arrangement. I asked for the payment address so I could begin mailing in payments. He said that I could not mail in the payments. I asked again and he said that he could give me the address but they would only accept payment in full. I asked again for the payment address and he refused to give me the address.
06/29/2019	Yes	Debt collection Credit card debt	Written notification about debt Didn't receive enough information to verify debt	CA 90720	Web
I XXXX XXXX along with my wife XXXX XXXX are in a position to file for a Chapter XXXX bankruptcy. However, as a means of pursuing a reasonable procedure to get out of debt over the next year without such a drastic step, we are requesting very low settlements in the 20 % range of where our debts were at the last payment. Accordingly, we believe that we only have one chance at this, and if we do not start receiving settlement offers soon, we will retain the bankruptcy attorney we recently consulted. Therefore, we request letters of settlement, and we request the cease and desist from all calls to our home, cell and/or work. We desire to resolve these matters in written form only. Thank you for your consideration in this matter.
02/01/2017	Yes	Debt collection Other (i.e. phone, health club, etc.)	Disclosure verification of debt Right to dispute notice not received	IL 60628	Web
XXXX XXXX, GC Services Limited Partnership, charged my card in the amount of {$650.00}. This was a debt associated XXXX. I had given XXXX my card number in XX/XX/XXXX. I never provided this entity with permission to charge my card, was never sent information to dispute the debt and without consent they used a card that XXXX had on file that was expired to charge my card. This behavior resulted in me not being able to pay bills and ended my ability to stay with this financial institution. I tried calling them and was hung up on. They reached beyond the scope of the Fair Debt Collections Practices and made up arbitrary rules. They have refused to respond to my inquires. I was not allowed proper rights in this matter.
09/07/2015	Yes	Debt collection Other (i.e. phone, health club, etc.)	False statements or representation Attempted to collect wrong amount	CA 92336	Web
I was contacted by GC Services, I asked them when my account was scheduled to report they said it is pending. I asked what that means they would only repeat that it was pending. I advised that either it has reported or it has not, and it is pending that means that it has not reported to my credit. They rep said confirmed that this was correct. So I asked again when is it scheduled to report to my credit since it is not on my credit now. She said its pending so I said your being very confusing and misleading by not giving me the correct info when I 'm asking. There is a date/time period which a credit reporting account is scheduled to report she said its pending. Then she hung up on me as I was talking.
02/20/2020	Yes	Debt collection Private student loan debt	Threatened to contact someone or share information improperly Contacted your employer	TX 76706	Web
On XX/XX/XXXX, I spent several hours on the phone with GC, which is a debt collector for XXXX, and they took my personal information including new address and phone number. I received emails with documents to sign that were docu-sign and none of my personal information was updated on these forms. These forms look like the same forms that are on the studentaid.gov website that is filled out for paying back the loans. I had my wages garnished in XXXX without my knowledge for a while until my employer told me, or actually, the payroll debit was who told me, it was money network who told me, which was odd, and then my XXXX tax return of {$1300.00} was taken for the tax offset. Sincerely, XXXX XXXX
06/21/2018	Yes	Debt collection Other debt	Written notification about debt Didn't receive enough information to verify debt	CA 92407	Web
I had a debt on my credit report from XXXX XXXXXXXX XXXX in XX/XX/XXXX. I disputed the validity of this debt and the reporting company removed it from all 3 bureaus. As of XX/XX/XXXX this debt has re-appeared, this time being reported by GC Services. I have initiated debt validation with them as of XX/XX/XXXX. The biggest issue of this at this moment is the re-aging of this debt. it was originally reported as XX/XX/XXXX and is now being reported as XXXX XXXX. This is a complete violation of 15 U.S. Code & 1681s-2 responsibilities of furnishers to report ACCURATE information. This is completely inaccurate and this collection agency should be reprimanded for their deceitful collection practices.
07/16/2019	Yes	Debt collection Other debt	Took or threatened to take negative or legal action Threatened or suggested your credit would be damaged	GA 30083	Web
On or about XX/XX/2019 I received a dunning letter from GC Services Limited Partnership whose address is XXXX XXXX XXXX, XXXX, TX XXXX. In response to GC Services LP letter, on XX/XX/2019 I mailed them a cease communication letter pursuant to 15 USC 1692c ( c ) by USPS Certified Mail RRR. GC Services LP was obligated by law to respond to my cease communication letter pursuant to 15 USC 1692c ( c ). GC Services LP failed to respond to my cease communication letter and has invoked 15 USC 1692c ( c ) 1 by default. However, GC Services LP is still trying to collect on this debt and has furnshed this account to XXXX Information Solutions. Attached are my documents regarding this case.
11/09/2022	Yes	Debt collection Other debt	Written notification about debt Didn't receive enough information to verify debt	FL 33823	Web
THIS COMPANY PUT A COLLECTION ACCOUNT ON MY CREDIT FILE ON ALL 3 BUREAUS AND DIDN'T INFORMED ME OR GIVE ME OPPROTUNITY TO DIPUTE BEFORE REPORTING. LIKE WHAT HAPPEN TO THE COMMUNICATIONS NEVER RECEIVED ANYTHING AND MESSED UP MY CREDIT SCORE. i WANT TO SEE DOCUMENTS AND PAPERWORK SHOWING i OPENED A ACCOUNT WITH THIS COMPANY SHOW EVERYTHING GC SERVICES Original creditor : XXXX XXXX XXXX XXXX Balance {$470.00} Balance updated XX/XX/2022 Original balance {$470.00} Account number XXXX Date opened XX/XX/2022 Account type Collection Status Seriously past due date / assigned to attorney, collection agency, or credit grantor 's internal collection department Status updated XX/XX/2022 2022
10/14/2016	Yes	Debt collection Other (i.e. phone, health club, etc.)	Disclosure verification of debt Not disclosed as an attempt to collect	UT 84120	Web
I received a phone call from XXXX at XXXX MST. XXXX XXXX asked to speak with XXXX XXXX. I said " This is XXXX, What can I do for you '' XXXX then attempted to verify my address prior to providing me with my mini miranda rights. I ask her what company she was with and she informed me that she represented GC Services. I informed her that I do not work with her company and what the call was about. She informed me that it was a personal business matter. I asked is this in regards to a debt and she said yes. I informed her that she is required to provide me with the required mini miranda prior to asking me to provide information. She failed to ever say the mini miranda period.
08/15/2016	Yes	Debt collection I do not know	Communication tactics Frequent or repeated calls	MD 20770	Web
A ever-changing representative from 'GC Services Debt Collection ' ( XXXX ) calls my work phone number from a spoofed or sometimes local ( XXXX area code ) phone number. Without providing any details, they leave a urgent-sounding message asking me to call back to an XXXX phone number, sometimes with an extension, sometimes without. Every single version of their phone number has multiple complaints ( i.e. ) : XXXX This has been going on since XX/XX/XXXX and I have reported them multiple times to my Security office, the FTC, and the Maryland Attorney General 's office but they keep calling and disturbing my work hours. I do not dare pick up the phone unless I know the ID.
12/13/2017	Yes	Debt collection I do not know	Communication tactics Frequent or repeated calls	FL 33710	Web	Servicemember
We are not nor have we ever been in debt. I have receive many, many, many, many, many, phone calls from GC Services at XXXX. This is harassment. I demand compensation right now!!!!!!!!!!!!!!!!!!!!!!!!!!!!! I can not take this any more. I want help right now. This should not happen to us. I want these people in jail right now!!!!!!!!!!!!!!!!! My wife and I have always been responsible and do not have any debt. I served for 21 years in the XXXX and XXXX XXXX. I or my family should not be treated this way. I want GC to pay for this harassment. If now help comes from this then I will truly know that doing the right thing and serving my country is a joke!!!!!!!!!!!!!!!!!!
11/08/2019	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt was paid	CA 90018	Web	Older American
On XX/XX/XXXX, I paid a debt through GC Services Limited Partnership in the amount of {$500.00} to the XXXX XXXX - XXXX. That was over 8 years ago. Today, XX/XX/XXXX, I receive a letter, dated XX/XX/XXXX, stating that debt is delinquent. Isn't there a statute of limitations of 4 years? How many people are being asked to pay an 8 year old debt? How many people can prove they paid that 8 year old debt? This seems highly unethical. The letter is threatening, stating, " You have 30 days to voluntarily pay ... .before we submit your account to the XXXX XXXX XXXX ( XXXX ) for interagency intercept collections. GC Services Limited Partnership XXXX XXXX XXXX, TX XXXX XXXX
12/01/2016	Yes	Debt collection Other (i.e. phone, health club, etc.)	Cont'd attempts collect debt not owed Debt resulted from identity theft	TN 38106	Web
I have been a victim of Identity theft since XX/XX/2004, this has caused so many problems in my life. My purse was stolen and my identity has been used in so many ways. Many accounts have been open in my name still to this day and I have been contacting companies and disputing with the companies and the credit bureau for over 10 years. Once I contact the company and provide documentation they would remove the debt, later down the line maybe XXXX months later the debt will appear again. I have become very frustrated with these companies because I have put fraud alerts on my credit report and still have XXXX to XXXX inquiries on my credit report. PLEASE HELP ME!!!
12/18/2018	Yes	Debt collection Other debt	Written notification about debt Notification didn't disclose it was an attempt to collect a debt	NJ 085XX	Web
GC Services has violated FDCPA 809 ( A ) giving me notification of a debt on credit report I talked to XXXX from XXXX TX on XX/XX/2019 at XXXX where the collection agency is reported on my credit report but had to transfer me to XXXX where I talked to XXXX XXXX They verified 2 wrong addresses on my account. They never called, emailed, or sent any notifications to my address informing of any collection. I also have no contract with GC Services Under the Protection of consumer financial services chapter 392.202 ( C ) The third party debt collector admits the information is inaccurate and shall immediately cease collection efforts related to the portion of debt
08/03/2017	Yes	Debt collection I do not know	Threatened to contact someone or share information improperly Talked to a third-party about your debt	CA 952XX	Web	Servicemember
XXXX XXXX, 2017, the company ( GC Services XXXX ) contacted a family member about a debt collection belonging to my wife. The family member felt harassed and was asked to divulge personal information about my wife. The family member declined to give the info. I then called the company and was told they would not give me their name or business information unless I verified my wife 's information with them first. I declined to give a stranger this information unless they verified the nature of their business. The woman I spoke to would not give me her name, company name, or whether or not she was attempting to collect a debt ; all clear violations of the FDCPA.
11/14/2017	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt is not yours	CT 067XX	Web
I was never given the right to dispute by XXXX XXXX. I have went to the BBB and this company has failed to provide proof that the debt belongs to me. I completed a transfer of ownership over two years ago and was told that services were n't even rendered because they could n't get a signal to provide service because of trees by a field representative that called me in error. I contacted XXXX and told them that I transfered the account and that the account should no longer be in my name I was given an email address to send a email and after I sent the email the company kept the account open to incur charges in my name for services they did n't render.
03/09/2018	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit repair services	Problem with customer service	NY 11967	Web
Back in 2013 I had an account with XXXX and I wasn't aware the amount the I owed wasn't paid. I ended up going in collections, and the day I was in collections I had paid the debt off right away, the amount was around {$600.00}. It is currently still showing on my credit report, in which I understand it was my fault by not realizing it wasn't paid in the first place. This i really affecting my credit score, as I am currently in the process of a mortgage. In all fairness I did not receive any letters stating that I owed any money, otherwise I would have paid since I did not have an issue paying the full amount when I realized I was in collections.
02/09/2019	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt is not yours	NC 276XX	Web
I received a letter from " GC Services Limited Partnership '' with the return address of XXXX XXXX XXXX, XXXX PA XXXX. The provided phone number was XXXX The letter was to inform me of a fraudulent {$1100.00} debt on my " account with XXXX ''. I know that this is fraudulent because I have never been a customer of XXXX in my life ; I have used XXXX XXXX XXXX since my first cell phone, and I have always been on a family plan -- I have never had a phone bill in my name. I considered calling the company, but given a XXXX search I inferred that they are a predatory collection agency and decided I would have more success contacting the CFPB first.
02/15/2019	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt is not yours	NJ 08701	Web
i recieved a mark on my XXXX report XX/XX/ 2018 that i owed GC services {$1300.00}. Collection Agency GC SERVICES Original Creditor XXXX XXXX Status Open Opened Date XX/XX/2018 I did not recognize this company and upon research discovered that it was referred to them by XXXX whom I do not have a account with for a number of years already.. i attempted to both call and email the company but have still not recieved any response. I disputed this with XXXX who upheld the claim despite the fact that they have not provided any documentation for the bill. I have since found out that the bill should belong to a family member instead of myself.
10/03/2022	Yes	Debt collection Other debt	Communication tactics Frequent or repeated calls	UT 84121	Web
I have made arrangements with GC Services to repay my tax debt and have been making my regular monthly payments as agreed. GC Services continues to call and harass me monthly about setting up a plan to repay the debt. I have already done this! The most recent call was today, Monday, XX/XX/2022 at XXXX XXXX XXXX. XXXX XXXX is the person who called on this date. They also called me on Wednesday, XX/XX/2022 at XXXXXXXX XXXX XXXX. I believe XXXX contacted me on this date as well. I am very busy, I work from home and I am very tired of being harassed by a company I have already agreed to pay and make payment to. Please make them stop.
06/24/2017	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt is not yours	CA 92392	Web
I contacted the GC servies, credit bureaus, and the BBB trying to get this collection agency to remove this debt from XXXX XXXX from my credit file. GC services continues to report / verify this debt even though there is not signed contract with either XXXX XXXX nor GC services. GC services continues to allege that billing statements verify this debt. GC services has yet to produce any document that displays my signature on it indicating a contract with either XXXX XXXX or GC services. I am not liable for this debt. I have no knowledge of this debt. I request that this debt be removed from my credit file in order to resolve this matter.
04/08/2016	Yes	Debt collection Other (i.e. phone, health club, etc.)	Disclosure verification of debt Not disclosed as an attempt to collect	NY 11203	Web
Client called XXXX after closing account and switching to another carrier to see if she owed after paying her last received bill. She was told that if she did owe anything, they would send a bill. She never received any bill or notification of amount owed. She later reviewed her credit report and found that she had a collection account from XXXX for {$240.00}. When she called XXXX to resolve this issue, they refused to acknowledge that the error was on their part, that the client had attempted to confirm any remaining balance owed ( which XXXX did not confirm ), and that the client had never received a bill for the amount.
12/03/2015	Yes	Debt collection I do not know	Cont'd attempts collect debt not owed Debt is not mine	IL 60610	Web
I pulled my XXXX credit report and found XXXX hard inquiries on it that are affecting my score which were NOT authorized. Both inquiries are from GC Services and show business type as " other collection agencies ''. XXXX inquiry is from XXXX XXXX, 2014 and the other is from XXXX XXXX, 2014. I did not apply for any credit through GC Services and did not authorize this. As a collection agency, a soft pull would have been appropriate which would not affect my credit score. I had no further dealings with this collection agency. I request that these hard inquiries be immediately removed from my XXXX credit report.
04/01/2017	Yes	Student loan Federal student loan servicing	Dealing with my lender or servicer Don't agree with fees charged	DC 20016	Web
I have been contacted by GC Services Limited Partnership regarding student loan acct # XXXX. They are looking for someone with my same first and last name but this is not my debt. I told them as much twice over the phone and also wrote it on their bill voucher which I mailed back twice. In the late 1990s this exact thing happened to me, for a student loan debt for XXXX XXXX XXXX in XXXX XXXX. I never attended this school and have never lived in XXXX California. It took years of effort to clean this mistake off my credit report and I 'm concerned someone new purchased this debt and will do it all over again.
05/05/2018	Yes	Debt collection I do not know	Communication tactics Frequent or repeated calls	GA 30075	Web
My husband has received numerous phone calls from XXXX from someone named XXXX XXXX, who asks to speak to me regarding a personal matter he is handling for me. He has asked for my work number, my personal number, etc .... These calls are being made to my husband 's business phone and they are a nuisance to him both personally and professionally. I have no idea who this is, I have no personal matters being managed by anyone I do not know, and I would appreciate it if this individual and this company GC Services would discontinue calling my husband or any other number they have in an attempt to reach me.
10/24/2017	Yes	Debt collection Other debt	False statements or representation Attempted to collect wrong amount	MD 20906	Web	Older American
This my response to a complaint ( XXXX ) I submitted XXXX against GC Services! GC Services, responded to my complaint ( XXXX ) XXXX! However, this response is not acceptable, because they did n't give an explanation to the charge I made of presenting me with XXXX different letters which contradict each others : XXXX XXXX, XXXX letter showed a balance of XXXX XXXX XXXX compared to the other letter dated XXXX XXXX, XXXX had a balance of XXXX XXXX XXXX Since I paid the money to GC Services, I believe an explanation should be their responsibility to explain the differences! Thanks in advance, XXXX XXXX
04/07/2018	Yes	Debt collection Other debt	Written notification about debt Didn't receive enough information to verify debt	KY 42141	Web
Back in XX/XX/2017, I had opened a wireless contract with XXXX XXXX. My bill was suppose to be {$100.00} a month. But when my bill was due, it was over {$100.00} a month. And when I bought the phones from XXXX, they was junk and didn't get good reception. Also the phones would freeze up and the XXXX XXXX store would crash. XXXX placed it in collections with an amount owed almost {$500.00}. They charged me a cancellation fee for their service. They will not adjust the bill like I asked. Even when I did make payments, it would go up even higher. So I would like to file a claim if they cant adjust it.
02/21/2017	Yes	Debt collection Non-federal student loan	Cont'd attempts collect debt not owed Debt is not mine	CA 92020	Web	Servicemember
A company by the name of GC Services called and said I owed them {$1100.00} for a student loan I have never had. All my schooling was paid for by the XXXX XXXX. The person I spoke to was XXXX XXXX and he said payment must be sent immediately or it would affect our credit. They were rude, demanding and knew my full social security number and birthdate. I told them it was not mine but did not want to speak too much since they record everything and seemed very strange to me. I recently found out they are scam. DO NOT SEND THEM MONEY or continue any type of conversation with them.
05/31/2019	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt was result of identity theft	GA 30005	Web	Servicemember
G C SERVICES XXXX is on my credit file affecting my credit I can't get housing or anything else because this is a collection on my account for a XXXX account that I did not authorize. I have not lived at this address for over 2 years. My ex wife lived there and then rented it to a bunch of strangers and now someone totally different lives at this address. I am frustrated because they will not remove this. I assure you I never authorized this on my credit. they are trying to stick me with a Collection account that states that I am " {$1200.00} past due as of XX/XX/2019. ''
03/01/2017	Yes	Debt collection Federal student loan	Cont'd attempts collect debt not owed Debt was paid	VA 23505	Web
I have a federal debt that was taken out through XXXX at the time, which is now XXXX. The federal disbursement was through XXXX from what XXXX has told me. I was unable to keep up with this loan and it ended up in collections with GC Services, I was told by XXXX that I paid off my federal loan and it is no longer owed to them. However when I call GC Services they still say I owe {$13000.00} ( Estimated ), when on my XXXX account it says I have paid more than {$14000.00} ( estimated ). I just want my wage garnishment to stop and to know where the {$14000.00} has gone to.
04/26/2022	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt was already discharged in bankruptcy and is no longer owed	MI 48238	Web
I've been receiving phone calls from GC services at ( XXXX ) XXXX indicating that I owe them debt for the state of XXXX XXXX XXXX for taxes in XXXX. I was unemployed in XXXX and there's no way that I owe this debt. I filed bankruptcy in XXXX and all debts were paid or dismissed. I'm being exploited for debt that was already paid. Please help. I've reached out to this agency several times. Although I'm being discriminated against and exploited, my complaints are not being resolved. I'm requesting proof of the debt owed as it is disputed because of resolve.
10/27/2022	Yes	Debt collection Auto debt	Communication tactics You told them to stop contacting you, but they keep trying	UT 84070	Web
I have asked them not to call my XXXX on his number at least 3 times. They will call and leave me a voicemail and if I dont call right back they will call my Fathers number and tell him they are a debt collector looking for me. They should be waiting 48 hours after leaving a vm for me to return the call. They have also left voice mails on my Fathers home number where he then played them outloud so everyone heard that a debt collector is looking for me. Trying to embarrass me does not make money appear in my bank account. Its harassment plain and simple.
04/16/2021	Yes	Debt collection Credit card debt	Attempts to collect debt not owed Debt was result of identity theft	WA 98366	Web	Servicemember
I have already notified XXXX and GC Services that this credit card was opened without my knowing. My now estranged wife had used my social security number behind my back to open multiple credit cards. She is XXXX XXXX / XXXX XXXX and I have had to file for divorce because of this. I am not responsible for the debt that she has incurred in my name. I am a victim of identity theft. A police report was submitted to the XXXX XXXX Police Department on XX/XX/2020. I have found out that there are 7 other police reports with her as the suspect of fraud / theft.
12/05/2022	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt is not yours	VA 23231	Web
G C services has placed XXXX collection back on my credit after it was disputed and removed in 2021 as is Account is not in my name and doesnt belongs to me. Im in the process of home buying and this is not a good look on my report. My names is XXXX XXXX and this account is not mines please have it removed. my score dropped tremendously from this collection that doesnt belongs to me. Please verify info on the account as its doesnt match mines Ive contacted and dispute collections with all 3 bureaus and the collection agency however its still reporting.
08/10/2018	Yes	Debt collection Other debt	Took or threatened to take negative or legal action Threatened or suggested your credit would be damaged	NY 109XX	Web	Servicemember
GC Services is a collections agency for XXXX. I Spoke with GC Services via phone attempting to resolve with negative results. They requested that I email all info which I have done several times. I have not received a response. They have negatively impacted my credit because of a mistake that XXXX admitted making. Now they are at fault because they refuse to investigate and communicate with me. XXXX Corporate investigated this issue and it was resolved in my favor. I never owed them money! XXXX Corporate Services XXXX Ext. XXXX Name : XXXX XXXX # XXXX
02/26/2018	Yes	Debt collection Credit card debt	False statements or representation Attempted to collect wrong amount	TX 78201	Web
The CFPB website does not have a proper category for this ... ... On XX/XX/2018 I received a letter from XXXX XXXX, GC Services Limited Partnership, XXXX XXXX XXXX, XXXX PA XXXX, falsely claiming that we had agreed to a payment arrangement of {$200.00} per month. They also appear to use the address XXXX XXXX, XXXX, TX XXXX. I DID NOT. Any statement by any party to the contrary, verbally or in writting is a LIE. In fact, this was the first communication by this company. On this date, I am sending written demand that they never contact me again.
08/02/2019	Yes	Debt collection Federal student loan debt	Written notification about debt Didn't receive enough information to verify debt	TX 78744	Web
My complaint is that I recieved an offer to settle a debt from GC Service Limited Partnership, on behalf of XXXX XXXX, but they refuse to communicate or even acknowledge the reciept of negotiation requests from me or my lawyer. I had my lawyer respond to the settlement letter and reach out to both the collection agency and XXXX on multiple occasions and both agencies refuse to respond. Each time I speak to XXXX about the attempts to negotiate, they claim there is no record, so then we send more letters and my lawyer attempts to contact them both.
05/12/2017	Yes	Debt collection Federal student loan debt	False statements or representation Attempted to collect wrong amount	NY 11207	Web
In XXXX XXXX I 've received a letter from a collection agency named : GC Services requesting me a payment or to contact the borrower service department to resolve my defaulted Student loan which I did. In XXXX XXXX I signed the Rehabilitation Assistance Forms and sent my first payment to them in XXXX XXXX . They collected at least 3 payments of {$5.00}. They stopped in XXXX and the Department the Education contacted me and told me that they do n't have that information in records and my student loans are still defaulted.
05/21/2016	Yes	Student loan Federal student loan servicing	Dealing with my lender or servicer Don't agree with fees charged	MI 48223	Web
GC Service tacked on {$6000.00} in fees. I feel these added charges are unfair and they make it hard for you too pay your loan over time. I Asked them where the extra fees came from and no one could give me a clear reason. The gentleman I spoke with said it could be some kind of service charge but he was n't sure either. I understand that my loans have to be paid back but it 's not ok to make some pay all these unknown extra fees. I 'm now going through garnishment of wages which is % 15. If I going to pay it back it must be for the right amount.
05/17/2018	Yes	Debt collection Credit card debt	Communication tactics You told them to stop contacting you, but they keep trying	IN 47630	Web
XXXX XXXX of GC Services Limited Partnership contacted my place of business on multiple occasions. XX/XX/XXXX was the last occasion, where I actually called her back, and informed her that the number she was calling was my place of employment, and that her continued calling was going to cause me difficulties at work. Apparently, this was not enough for XXXX XXXX, as she called once again on Monday, XX/XX/XXXX. I again informed her that she was not to call my office, and that by doing so she was violating the Fair Debt Collection Practices Act.
10/21/2017	Yes	Debt collection Federal student loan debt	Communication tactics Frequent or repeated calls	CA 92557	Web
I have been receiving calls from a collection agency while at work and they have kept me on the phone for long periods of time and demand that I pay them immediately. The agency has reported that they are charging me interest and increasing the amount they demand for. I received a call from them last year in XXXX and they were giving me false information and accusing me of not making payments which I had proof that I did from my bank statements. I am still receiving calls and they keep demanding higher and higher amounts every time they call.
07/26/2016	Yes	Debt collection I do not know	Cont'd attempts collect debt not owed Debt resulted from identity theft	GA 30236	Web
I 've received a letter from this company, claiming I have an account with them or I them you something. I have never entered into any business arrangement and I have never signed any contract to conduct any kind of business with them. Also, because they are a 3rd party collector, they have no permission to furnish any information on my credit report. Furthermore, the debt that they are trying to collect has been a result of identity theft. I do not owe this company anything and I want them to close my 'account ' with them immediately.
05/10/2018	Yes	Debt collection Private student loan debt	Attempts to collect debt not owed Debt was paid	MA 01844	Web
I was recently contacted by a collection agency. I asked for verification of the debt and no was sent. I then received several additional mailings, but no verification of the debt. They are obligated to send me information so I can further investigate who is terrorizing me. This has happened several times in the past and I am now concerned that they respond to my verification request by going away for a few years. Then they make another attempt. They need to stop this trolling behavior. What can your organization do to help?
06/01/2019	Yes	Debt collection Other debt	Written notification about debt Didn't receive enough information to verify debt	CA XXXXX	Web
AS XX/XX/2019, AMOUNT XXXX WITH XXXX I BEEN TALKED WITH XXXX ACCOUNT REPRESENTATIVE I NEVER APLIE ANY CONTRACT WITH PRINT, HOW COME XXXX SENT LETTER OWE MONEY WITH THEM, AND PUT ME ON XXXX XXXX XXXX .PLEASE DON'T CHEAT MY SOCAIL INFORMATION, ANYWAY WANT ME PAY OFF AMOUNT THEY WANTED AND 2 PACKED WITH RETUN DEVICE, AS HORRIBLE FOR MY LIFE. I NEVER KNOW THAT AMOUNT AND THE ACCOUNT THEY PUT ON ME, WERE TALKED WITH FONE, AND THEY DON'T WANT HELP ANYTHING, JUST WANTED MONEY PAYING,,, THAT NOT FAIR WHEN XXXX USING WITH I AM THE VICTIM
02/11/2019	Yes	Debt collection Federal student loan debt	Took or threatened to take negative or legal action Threatened to sue you for very old debt	PA 167XX	Web
This is the third letter and 18 phone calls. I have told them not to call and phone registered on do not call list. Based on a lawyer who had a handling case. They keep sending or calling me and telling me I owe on student debt. All my debt was consolidated in XXXX. Both private and federal and was confirmed by my consolidation company. In the last letter, they now have threatened me to take me to court, file it with the credit bureau and take money out of my income. That they have the legal right to collect on this debt from XXXX.
11/25/2022	Yes	Student loan Private student loan	Struggling to repay your loan Can't get other flexible options for repaying your loan	FL 335XX	Web
Just Received another call from GC Services in regards to my Student Loans. I informed the guy that was calling - XXXX XXXX something I believe he said his name was. I did not let him finish. I informed him that my student loans were forgiven due to the school closures and fraudulent issues they have caused millions of students and now in a lot of debt and damaging their Credit Score, life and a trying to go back to school to complete and further education and not able to get a position in the field of work you went to school for.
09/21/2018	Yes	Debt collection Auto debt	Communication tactics You told them to stop contacting you, but they keep trying	IL 60655	Web
I have requested the company stop calling me at work and I was told it was not illegal for them to do so. I work for the XXXX XXXX and XXXX XXXX and do no appreciate the phone calls while I am at work. My job is a time consuming position with no time to chat on the phone and the person was rude and not very accommodating. The name of the company is GC Services hired by XXXX XXXX, their telephone number is XXXX and the representative 's name is XXXX XXXX. Please advise me as to what I can do to stop these phone calls at work.
01/23/2018	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt was paid	VA 23451	Web
The debt in question has been resolved with the help of CFPB under complaint number : XXXX. On XX/XX/18 at approximately XXXX I, XXXX XXXX spoke with XXXX XXXX GC Services Limited Partnership with regard to client account number : XXXX and was informed that the debt was still owed. I tried to explain to XXXX that the debt has been resolved and I have communication stating that fact. XXXX refused to listen and say I owed the full amount in question. This is not true as you can see under my original complaint number : XXXX.
08/09/2017	Yes	Debt collection I do not know	Communication tactics You told them to stop contacting you, but they keep trying	TX 75060	Web
On XXXX XXXX, 2017 I had a message left on my cell phone from a XXXX XXXX a manager at GC Services a debt collection company. The call came from XXXX but I was asked to call back at XXXX. I had the same message left on my cell phone and work landline on XXXX XXXX, 2017 but from a different employee. When I look up contact numbers for GC Services, this number is not listed. I would like for this company to stop calling my work phone, as I have asked them before on a date before the XXXX XXXX, 2017 message but they continue.
05/29/2018	Yes	Debt collection Credit card debt	Threatened to contact someone or share information improperly Talked to a third-party about your debt	MD 20852	Web
On Tuesday XX/XX/2018, GC Services called the mother of my girlfriend, claiming that she was listed as a contact point to reach me concerning a financial matter. They attempted to ask her to divulge personal information pertaining to me which she did not provide. I never listed her as a contact point for any debt repayment processes. Under the FTC I believe it is illegal to contact third parties in regards to my personal financial information. I want to report this company for unlawful deceptive debt collection practices.
12/18/2015	Yes	Debt collection Federal student loan	Cont'd attempts collect debt not owed Debt is not mine	WI 549XX	Web
I received a letter from GC Services Limited Partnership stating that they had been retained by the Dept. of Education to collect on a defaulted student loan. As I have not been in school since XXXX and never taken out a student load, you can imagine my surprise in receiving such a letter. I have been in contact with the Dept. of Education and their Ombudsman and they both indicate that I have never taken out a student loan. I have been in contact with the Company and have reason to believe that they maybe fraudulent.
06/05/2019	Yes	Debt collection Other debt	Took or threatened to take negative or legal action Threatened or suggested your credit would be damaged	NV 89502	Web	Servicemember
XXXX has sent me to collections for a debt I do not owe. I have spoken to XXXX 5 times in the last few months and GC Collections once, informing them this debt is not mine. I received no goods or services from the original creditor, XXXX. XXXX will not state why they are charging what they say I owe.in addition to this false claim, XXXX proceeded to send my account to GC Collections. Once again, XXXX won't tell me what I owe, nor did I receive anything from them- goods, services or otherwise! I will not pay.
10/26/2021	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Account information incorrect	33130	Web
There is a 3rd party collection agency that has been harrassing me, saying I owed money to XXXX XXXX. I told them I did not owe this money about 15 times in the past 5 months and they reported it to the credit nureaus anyway, completely destroying my credit score. Now I have to jump through hoops and bend over backwards to show I do not owe money on an account I do not have. On top of that they are refusing to speak to me because they have my name spelled wrong and they are saying that it is not my account.
11/17/2015	Yes	Student loan Non-federal student loan	Dealing with my lender or servicer Don't agree with fees charged	IL 60620	Web
I attend XXXX college in XXXX, AL, which GC services has contacted me about several XXXX XXXX loans that was taken out for XXXX College, in XXXX AL. I called XXXX XXXX to resolve this issue several times, every time I speak to someone they advise me to do something different. Each time I did what they ask and got me know where. I was told to contact the XXXX college and asked for Verification as well a financial transcript. The school has no idea what I am talking about and advised me to contact XXXX again.
07/30/2015	Yes	Debt collection I do not know	Cont'd attempts collect debt not owed Debt is not mine	OH 44118	Web
Debt collection companies have been calling my phone number for approximately 8 years asking for XXXX XXXX. I am not him, and have repeatedly told them I am not him and have never known the person. The company in question, GC Services, has called me roughly 4 times in the past 2 weeks asking for XXXX XXXX and every time they say they will remove my number. I am sick of being called at least once a week by these people when I constantly tell them that XXXX XXXX has not had this number for at least 8 years.
03/08/2016	Yes	Debt collection Other (i.e. phone, health club, etc.)	Disclosure verification of debt Not given enough info to verify debt	NY 11220	Web
The company gc service is saying that I have to pay XXXX that They are collecting for XXXX XXXX I never receive a notification of the amount I owe from the company nor have they made any contact with me I had seen they information on my credit report I try several times to contact this company and no one has answered me I do not owe XXXX nor do I owe XXXX I would like them to remove them self off my credit report nor have I gotten any bill From XXXX I would like all charges drop from my report right away
08/31/2021	Yes	Debt collection Other debt	Threatened to contact someone or share information improperly Talked to a third-party about your debt	MO 64133	Web
The Collection Agency, GC Services sent a letter that inclued PII regarding the estimated amount due on a state tax return to my husband 's ex wife. We checked with the state and her name is not affiliated in any way with our tax return. The state told us to have them cease and desist, however the damage is already done. Bottom line is they disclosed to my husband 's ex wife and her wife personally identifiable information and proprietary information, in addition to overstating the balance owed.
05/14/2021	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt was result of identity theft	NV 89031	Web	Servicemember
I was contacted by XXXX XXXX XXXX of a collections notice that has impacted my credit so I requested a full credit report to discover there are two XXXX XXXX accounts with two separate addresses ( XXXX XXXX XXXX XXXX , XXXX XXXX NV XXXX XXXX / XXXX XXXX XXXX XXXX XXXX NV XXXX ) that were past due in the amount of {$69.00} and {$1300.00}. I have never had any business with XXXX XXXX so I called to report the fraudulent account, also contacted all three credit bureaus and filed a police report.
03/02/2020	Yes	Debt collection Credit card debt	Attempts to collect debt not owed Debt is not yours	IL 618XX	Web	Older American
received letter from GC Services Limited Partnership XXXX XXXX XXXX XXXX TX XXXX about an alleged debt Over due balance with XXXX for {$250.00} on or about XXXX XXXX 2020. I contacted both XXXX and there credit card carrier and verified that no debt was owed.So they are making up this information. An internet search shows records of various other attempts to collect something that it not owed.Sending them a letter to inform them this debt is not owed and not to contact ( a drop dead Letter )
12/13/2016	Yes	Debt collection Other (i.e. phone, health club, etc.)	Cont'd attempts collect debt not owed Debt was paid	FL 32073	Web
Upon moving from XXXX location to another XXXX did not forward a final invoice for {$82.00} dollars. This has been paid but was late to XXXX due to their failure to invoice. G C SERVICES a collection agency has claimed the recover of the debt even though it was paid directly to XXXX. They have since put XXXX collection notices on my credit report and went as far as listing that I had an open account directly with them on my credit report. They do not respond to phone calls to their offices.
02/16/2018	Yes	Debt collection I do not know	Communication tactics You told them to stop contacting you, but they keep trying	AL 357XX	Web
GC Services, out of Texas, is calling from a spoofed local number,XXXX. They are looking for someone else, and I have had my number for 18 years. They called the other day and I told them I didn't know who the person was and to stop calling. The man said they would stop calling me. They just called again leaving a message to call a certain XXXX number. I don't overdue bills and am not in collection and don't appreciate them random calling to try to find someone. They need to stop calling.
09/15/2017	Yes	Debt collection Federal student loan debt	Communication tactics Frequent or repeated calls	GA 315XX	Web
XXXX XXXX is a third party collection agency I have been repaying my school loans. In the last few weeks, they have called my place of employment repeatedly despite them being told not to call. The last time they called a woman by the name of XXXX XXXX was rude to the staff. This is unaccpetable, especially since I make monthly payments! Besides, it makes absolutely no sense to get someone fired from their job where they make money if you want money from them!!! And i do pay them monthly!
04/10/2018	Yes	Debt collection Credit card debt	Attempts to collect debt not owed Debt is not yours	CA 94002	Web
GC SERVICES LIMITED PARTNERSHIP is attempting to collect an alleged debt i requested verification of alleged debt and then still received phone calls have yet to receive confirmation that the claimed debt is cleared or any other communication other than phone calls which should not have been placed to me after verification request it appears that after XXXX was unable to verify the debt with XXXX XXXX XXXX XXXX that XXXX XXXX XXXX XXXX sold the debt to GC SERVICES LIMITED PARTNERSHIP
06/27/2017	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt is not yours	CA 94533	Web
Within this past month I have disputed GC Services with all three bureaus and in less then 24 hours the account comes back verified. I asked them to validate that the debt was mine and they sent me a copy of a XXXX bill with signatures that 's are n't even mines. They in no way have validated or verified that the debt they are trying to collect is mines. Also GC Services has very unethical practices like calling their " customers '' 2-3 times a day and have been in many lawsuit.
07/10/2017	Yes	Debt collection I do not know	Written notification about debt Didn't receive notice of right to dispute	CA 95835	Web
until this day, I have not received a response from the company what the debt is regarding. The company is now in violation of fcra. They have caused financial injury and are not following approporitate guidelines.The company can follow back with the cfbp, however, if they can not respond to the customer directly, they are send account back to the original creditor. This debt collector exacaerbates the matter on a daily basis. This is also a government XXXX and this is wrong.
02/01/2018	Yes	Debt collection Other debt	False statements or representation Impersonated attorney, law enforcement, or government official	CA 95014	Web
GC SERVICES # XXXX XXXX XXXX XXXX XXXX XXXX TX XXXX ( XXXX ) XXXX - harassed a great deal out of me for the amount I did NOT owe to XXXX in first place ... I ended up paying them because they agreed to stop calling me and promised to take this off my credit, but did not. It has been almost 8 months and this fraudulent collection is still on my credit report ... I reported to XXXX ftc and to bbb but nothing was done. I just want this collection off my credit report for good!!!
01/14/2020	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt is not yours	GA XXXXX	Web	Older American
I have previously reported this company ( GC Services ) for calling my number to collect debt not ever owed by me. If you review my complaints, you will see GC Services reported previously. They put numbers in some type of abeyance, then add them to there database again. These crooks have not respect for the law and choose to keep perpetuating fraud by harassing innocent consumers. I want to bring legal action against them so they might understand not to call me anymore.
05/06/2021	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt is not yours	WI 541XX	Web	Older American
in 2018 XXXX was cancelled ... claim by XXXX XXXX upgrade charge was due because early termination charge was due ... no update ever and no agreed charge ever took place .had the same box and service for more then 4 years contact with dish and they had no justification of charge for update which they told me they did not even want the box it was outdated and just recycle it gc services must of purchased closed misinformed account and are in a uninformed real transaction
09/21/2016	Yes	Student loan Non-federal student loan	Dealing with my lender or servicer Received bad information about my loan	OR 97212	Web
My brother attended the Maryland XXXX XXXX from XX/XX/XXXX to XX/XX/XXXX, for which he applied and paid for with a Maryland XXXX XXXX Application for student loan. Recently the creditor agency GC Services LP sent documents to his employer and as a result have been garnishing his wages, with no evidence of default on a loan from 30 years ago. Please advise, as we believe GC Services LP to be committing fraud in conjunction with an all-too easily duped payroll supervisor.
04/05/2018	Yes	Student loan Private student loan	Dealing with your lender or servicer Keep getting calls about your loan	IN 47909	Web
Starting XX/XX/2018, this company has started harrassing me at work. They are calling my employer phone number and could possibly cause me to lose my job! I called and told her to remove my name and stop the work calls IMMEDIATELY! She told me she would do that. XXXX XXXX is the company. Agent identified herself as XXXX XXXX ( sp? ) phone number XXXX She stated this is regarding my department of education student loans. I am currently in a deferment period with them.
11/17/2020	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt was result of identity theft	NJ 07104	Web
1st letter sent to GC SERVICES FOR XXXX, XXXX in XX/XX/2020 regarding identity theft and account not being mine. No word from them until XX/XX/2020, resent FTC Identity theft report. Received several calls regarding debt, even after my FTC statement requested to only contact me via mail regarding the false account under a person with similar name as mine. I am sending another letter dated XX/XX/2020 for all matters to collect this debt to cease. I do not own this debt.
11/06/2021	Yes	Student loan Federal student loan servicing	Dealing with your lender or servicer Received bad information about your loan	TX 78753	Web
This loan has been paid and removed from the loan company that is on attachments with other documents. It has been paid as of XX/XX/2012. After some years I started receiving letters again from another new collection agency. Please review and have this company not send any documents of unpaid loan. Your response on this issue and complaint will be greatly appreciated. Name of the company that is sending me this notices is GC Services Limited Partnership, XXXX, Texas.
09/24/2018	Yes	Debt collection Federal student loan debt	Threatened to contact someone or share information improperly Talked to a third-party about your debt	TX 77346	Web
On XX/XX/2018 at XXXX pm, GC Services called my son from number XXXX looking for me stating it was a " personal business matter '' and that they had my son 's number, " XXXX '' as a valid contact for me, which is not possible since I have never given anyone that number as a valid contact for me, nor is he on my loans as a contact, since at the time of the debt he was XXXX years old. He only recently turned XXXX. This is harassment and I would like to press charges.
06/20/2018	Yes	Debt collection Other debt	Written notification about debt Didn't receive notice of right to dispute	OH 43613	Web
XXXX XXXX To XX/XX/XXXX Assumed debt through Original creditor XXXX {$2600.00} Original creditor XXXX sold the assume debt at a much higher price to GC services XX/XX/XXXX for {$3300.00}. I sent out a dispute letter around XXXX I havent received any notification of GC services selling the assumed debt to XXXX XXXX XXXX on XX/XX/XXXX {$3300.00}. Ive recently sent out a validation letter to GC Services to receive a mailed contract of the assumed debt that was sold.
02/16/2017	Yes	Debt collection Other (i.e. phone, health club, etc.)	Cont'd attempts collect debt not owed Debt was paid	PA 17111	Web
My account I had with XXXX was reported to GC Services Limited Partnership collection agency which I communicated with for a settlement agreement and paid the balance I owed in full. They assured me I would be receiving a letter confirming my balance is paid in full yet to date, I have not received any letter. They are still showing an amount owed to them of {$97.00} on my credit report so they are still affecting my credit despite the fact that I paid them in full.
09/20/2018	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt is not yours	AL 366XX	Web
G.c services is a company that is working on its XXXX I ask them to validate this bill where I sign paperwork they send me a letter stating that they will tell all 3 credit bureaus to delet this off my report and it is still reporting to my report XXXX and XXXX I have the letter from this company proof and they still wont remove it when I call to delet and I sent the letter to the credit bureaus the amount is XXXX open XX/XX/2018 I told them this is not my account
10/19/2018	Yes	Debt collection Other debt	Written notification about debt Didn't receive enough information to verify debt	MI 48235	Web
On XX/XX/XXXX, I received a letter from GC Services, reference to City of XXXX Taxes. Dated back to XXXX. After receiving several telephones calls I told GC that I do not owe this and Sent a certified on XX/XX/XXXX to validate the debt. I have not gotten a response as required by law. This debt is past the statute of limitations and is not collectable. This ompany is knpwn for violation the Fair debt Collection practices. XXXX XXXX XXXX XXXX XXXX XXXX Mi XXXX
08/27/2021	Yes	Debt collection Other debt	Written notification about debt Didn't receive notice of right to dispute	LA 70816	Web
OnXX/XX/2021, I was notified by an alert on XXXX that a collection was placed on my credit report. GC Services was the collector. I was NEVER contacted by GC services about a debt nor did I receive a dunning letter from the collection agency. This is a violation as they did not give me the right to dispute this debt. This collection needs to be removed from my credit report immediately. The collection agency does not even have my address. This is not my debt
07/01/2015	Yes	Debt collection Non-federal student loan	Taking/threatening an illegal action Threatened arrest/jail if do not pay	TX 791XX	Web
Contacted by GC Services today about an old student loan which I am paying thru a different company that I am paying for this debt. The collector from GC Services said that it was from XXXX XX/XX/XXXX. This is the debt that I am paying through a different compay. GC Services can not produce promissory notes or any original documentation to verify this loan. They also took a chunk of my income tax return in XX/XX/XXXX. I need some help with this one please.
04/03/2018	Yes	Debt collection Credit card debt	Communication tactics Used obscene, profane, or other abusive language	MN 550XX	Web
They are reporting I owe over {$2000.00} for a bill that is not mine. I have received many phone calls from different agents and they have all made threatening comments and have cursed at me. I have asked them to stop calling and they do not. I have asked them to remove this from my credit reports and they refuse to. I have sent them the attached letter and have had no response from them, so they are also in violation of the " Fair Credit Reporting Act. ''
06/13/2018	Yes	Debt collection Other debt	Communication tactics Frequent or repeated calls	TX 77040	Web
GC Services was contacting my cell phone using an automated dialer platform. I have recieved numerous calls from them over the span of a few months. I am looking to file a lawsuit against them for TCPA violations unless they are able to rectify this issue directly. I give them permission to reach out to me via my cell phone or via email if they would like to resolve this matter without further escalation. My cell phone number is XXXX and my email is XXXX.
05/10/2018	Yes	Debt collection I do not know	Communication tactics You told them to stop contacting you, but they keep trying	DC 200XX	Web	Servicemember
Good day. My name is XXXX XXXX. I am receiving a lot of calls from a lady name XXXX XXXX from GC Services. They will not send me any mail but continues to call all day all night. She will not explain what the call is about unless i give her my SSN number. Now she just calls every morning, everyday like she said she would. I was a victim of Idenity Theft and i explained this to her and requested that she send me something in the mail and she has not.
10/16/2017	Yes	Debt collection I do not know	Communication tactics Frequent or repeated calls	CA 90805	Web
2 calls today to my work office line. I do not know exactly which of my work phone numbers they dialed. One of the calls was answered by one of my coworkers. This is horrible. I do not know what debt they are calling about. I do not want them calling my company to find me. Calling my work is unprofessional and appalling. The phone numbers that called are the following XXXX XXXX A XXXX search points to the following website XXXX XXXX XXXX
05/01/2017	Yes	Debt collection Credit card debt	Attempts to collect debt not owed Debt is not yours	XXXXX	Web
I 've been receiving collection invoices from this company on several occasions. On XXXX XXXX , 2017 I se nt certified mail denying this account belong to me, they fail to respond to this letter. Once they fail to respond I then sent 3 certified letters asking them to verify the debt. They refuse the debt with documented proof that the debt indeed belongs to me. They are in clear violation of the Fair Debt Collection Practices Act.
03/17/2021	Yes	Debt collection Medical debt	Attempts to collect debt not owed Debt is not yours	IN 47304	Web
XXXX XXXX XXXX robocalls me daily about medical debt in a city I dont live in ( XXXX ) 300 miles away, when I verifiably have no outstanding debts and good credit. Phone numbers they have used are XXXX ( XXXX ) XXXX and XXXX ( XXXX ) XXXX. They actually tried this same scam years ago on the same kind of non-existent debt in the same city ( XXXX ). Ive had enough. They need to be punished severely for scamming XXXX knows how many people.
07/19/2017	Yes	Student loan Federal student loan servicing	Struggling to repay your loan Can't get other flexible options for repaying your loan	IA 502XX	Web
the company at the time said that I need to sing a agreement saying that after one year I have to agree to let them take monthly payments out of my check. I don t make enough money to do this my credit report said that this lone as been closed by the department of education and got sold 3 times but later I fond out that I have a XXXX XXXX and XXXX XXXX and XXXX by XXXX XXXX the XXXX was deferred. thx XXXX XXXX call or email me any time
10/25/2017	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt was paid	CA 92688	Web
G.C.SERVICES is reporting a collection on my account which has already been paid. Back in XXXX 2017, G.C. Services agreed to delete my account when it was paid. I believe it was called a pay for delete. I checked my credit the other day and found they are still reporting this account in collection. Per our oral agreement I would like G.C. Services to remove this account from my credit file.Please assist in getting it removed my report.
04/09/2019	Yes	Debt collection Federal student loan debt	Communication tactics Frequent or repeated calls	MI 497XX	Web
XX/XX/XXXX, called me from XXXX, 7 times ... XXXX, XXXX, XXXX, XXXX, XXXX and XXXX no message. XX/XX/XXXX, XXXX, XXXX, XXXX no message. XX/XX/XXXX, XXXX, XXXX, XXXX no message. XX/XX/XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX. XX/XX/XXXX, XXXX, XXXX. XX/XX/XXXX XXXX, XXXX, XXXX and 3 times at XXXX. I asked them to stop calling at XXXX and XXXX. Received another call today XX/XX/XXXX at XXXX. They are harassing me and I want it to stop.
11/07/2022	Yes	Debt collection I do not know	Written notification about debt Didn't receive enough information to verify debt	WV 25701	Web
Received written notice about collection. Immediately replied via certified letter in XXXX to verify the debt, I had no recollection and even reached out to XXXX, they had no record either. I still have XXXX services that are in good standing and paid in full every XXXX GC Services never responded to my debt validation request and reported the debt to my credit report on XX/XX/2022. Please remove debt since it can not be verified.
04/10/2023	Yes	Debt collection Other debt	Communication tactics Frequent or repeated calls	UT 84070	Web
I am in a paying status and they will call me every day and XXXX XXXX will leave me a voice-mail every single day. When I call they told me they dont know why she called cause I'm paying. Then I got a letter saying I am not trying to resolve this and I need to pay XXXX of my balance right away to show my intention. I got that letter today and then they took my payment out today as well. I being repeatedly harrassed by this company.
09/20/2016	Yes	Student loan Federal student loan servicing	Dealing with my lender or servicer Trouble with how payments are handled	NY 14215	Web
My wages have been garnished for this since 2010 and my employer says it was paid as per court docket now 5 years later GCServices is trying to collect additional funds and will not send me proof of all payments and total collected my employer states in access of XXXX and my pay stubs prove it just want to know how these companies can recollect the debt all over and start with harassing phone calls for a debt I know is paid in full
07/13/2016	Yes	Debt collection I do not know	Improper contact or sharing of info Talked to a third party about my debt	UT 84095	Web
GC Services - Partnership from XXXX, Texas XXXX has been calling my family members and friends in an attempt to collect a debt. They call daily and leave a message asking to have XXXX ( me ) call them back. They told a family member that they have the number listed as an alternate number ( I have NEVER listed my family as alternate contacts ). They have called a minimum of XXXX different family members about this and wo n't stop.
08/28/2022	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt is not yours	MD 21043	Web
Received a letter from XXXX XXXX XXXX about an outstanding debt from XXXX. I do not order anything from XXXX. This debt collection is fraudulent. A simple XXXX search shows many law suits against this company for fraudulent debt collection under the same or similar names but different headquarter addresses. I can not reach them. Ive left hundreds of messages but nobody returns my calls. They are unreachable by any other means.
11/03/2016	Yes	Debt collection Other (i.e. phone, health club, etc.)	Disclosure verification of debt Right to dispute notice not received	UT 84651	Web
GC Services put something on my credit report without sending a notice of right to dispute. This debt is a XXXX debt that was paid by XXXX. They advised me they paid it. Then out of no where I see this on my credit and got it resolved immediately. But they never notified me and along with that notification they are required to give me 30. They are in violation and I would like it removed from credit due to this fact. Thank you
10/17/2017	Yes	Student loan Federal student loan servicing	Dealing with your lender or servicer Trouble with how payments are being handled	AL 351XX	Web	Older American
My student loan is handled by XXXX of Texas. My XXXX XXXX is been garnished and also IRS has sent them, XXXX of my taxes. I filed this from XXXX in full these was added to XXXX. No one can tell about these monies. My balance of my student loans are XXXX. In other words I have over paid them. And I need a letter from XXXX. XXXX. of XXXX letting me out this default loan. Seems I am paying two companies. Which I can not afford.
03/29/2016	Yes	Debt collection I do not know	Improper contact or sharing of info Talked to a third party about my debt	GA 30277	Web	Servicemember
My neighbor received a call from XXXX XXXX asking for me and left her number for a return call. I have no idea how this person got my neighbors phone number, we have never listed this number on any documentation. I called and spoke to XXXX XXXX and she said she was with GC Services and was calling for an Illinois debt. I am not sure what this is in reference to but I want action to be taken against XXXX XXXX and GC Services.
01/03/2020	Yes	Debt collection Credit card debt	Communication tactics Frequent or repeated calls	TN 38115	Web
G.C. Services Limited Partnership XX/XX/XXXX : $ XXXX Actions taken by me : Debt Consolidation Company XX/XX/XXXX The company sent a letter and contacted me via telephone. I've already informed the company that I am not working, and to stop calling. The debt consolidation company is the best route for me at this time, to pay them. There is no need to harass me, or to contact any of my family and friends, against my will.
03/14/2017	Yes	Debt collection Other (i.e. phone, health club, etc.)	Disclosure verification of debt Not disclosed as an attempt to collect	WA 98532	Web
Collection agent called, attempted to gather information multiple times and refused to identify herself or the purpose of the call when asked multiple times. Finally gave her name and company after the third time I asked, but never informed me of the purpose of the call. When I informed her that I am aware of the requirements to identify herself, the purpose and inform me of the call being recorded she hung up.
11/22/2022	Yes	Debt collection Other debt	Written notification about debt Didn't receive notice of right to dispute	FL 33823	Web
THIS COMPANY HAS REPORTED ME TO ALL 3 CREDIT BUREAUS A COLLECTION ACCOUNT I KNOW NOTHING ABOUT & WAS NOT NOTIFIED. THERE LAST RESPONSE STATED MY ADDRESS DID NOT MATCH, HOWEVER THIS COLLECTION ACCOUNT IS STILL REPORTING AS A NEGATIVE ACCOUNT THAT IS HURTING MY CREDIT. THIS ACCOUNT WAS NOT VALIDATED AND WANT IT OFF MY CREDIT REPORTS UNTIL THIS ACCOUNT CAN BE VALIDATED BY LAW G C SERVICES XXXX XXXX {$470.00}
11/16/2015	Yes	Debt collection Other (i.e. phone, health club, etc.)	Cont'd attempts collect debt not owed Debt was paid	CA 90731	Web
So I paid GC services in full for a traffic ticket in XXXX 2015 due to an error ( court changes ) in long beach courthouse they were telling me I still owe XXXX $ after many attempts in person and over the phone to get the paid debt removed it 's still has shown up keeping me from getting a license in the past. They also agree and gave me proof that I paid but it is still showing up online and at the dmv.
08/03/2022	Yes	Debt collection I do not know	Took or threatened to take negative or legal action Threatened to sue you for very old debt	TX 77301	Web
A company called GC services has contacted both my son and my father saying that they're filing a claim against me in XXXX XXXX XXXX. They started calling me 4 times a day on Monday, XX/XX/XXXX. I have received nothing in the mail, there is nothing on my credit report. I have no idea who this company is, much less why they would be filing suit, or why they would be harassing me and contacting my family.
07/06/2017	Yes	Student loan Federal student loan servicing	Struggling to repay your loan Can't get other flexible options for repaying your loan	CA 95123	Web
GC services is a loan servicer that has my loan threw The department of education. they said if i do 6 payments consistant then my loan will go outta default. I DID THAT THEN THEY STATED I NEEDED 9 CONSECUTIVE PAYMENTS TO FINISH THE PROGRAM. THEN THEY GARNISHED MY TAXES. I DID THE PROGRAM THEY SAID THEY WOULD THEN WAIVE THE REST OF THE LOAN AND THEY DIDNT THEY JUST SOLD MY LOAN TO ANOTHER SERVICER.
10/27/2015	Yes	Debt collection I do not know	Communication tactics Frequent or repeated calls	NJ 07011	Web
Keeps calling my cell phone. No voicemail at first. Some dates : XXXX XXXX ( left msg ), XXXX XXXX pm, XXXX XXXX. Called sounded like she said " XXXX '' and to call XXXX. She was calling about my brother. Do n't know who she is or why she is calling. Web lookups show it seems to be a collection agency maybe " Gc Services - Debt Collector ''. Caller id says XXXX XXXX, tx but comapny is in XXXX tx.
01/24/2017	Yes	Debt collection Other (i.e. phone, health club, etc.)	Cont'd attempts collect debt not owed Debt is not mine	PA 167XX	Web
I signed up for the service that the representative promised that I would have service in this area and we 're we live the service around here is very spotty and had dropped calls cause of that.this service is more geared toward the southern states as even people from your company have mentioned to me.I 've paid my fair share of this bill even though you did provide me the service I was promised.
07/27/2017	Yes	Debt collection Federal student loan debt	Written notification about debt Didn't receive notice of right to dispute	CA 90029	Web
My paycheck started being garnished without warning. I was not given a chance to dispute this issue. I do n't know exactly what company is doing it but on my paycheck it say " Student Loan/ XXXX XXXX '' and then the amount withdrawn from every check. I know by law you are suppose to have been employed for 12 consecutive months before garnishments. That is not the case with me. I am being robbed.
11/29/2021	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt was result of identity theft	MS 391XX	Web	Servicemember
The Debt Collector GC Services is collecting on a Fraudulent account that is not mines and is violating FDCPA laws that are supposedly designed to protect me as an original creditor. Them and XXXX XXXX are acting against my rights and defaming my character since I can not get a mortgage and enjoy XXXX holidays with my family. Stop this fraudulent activity to help me have a happy holidays.
10/18/2019	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt was result of identity theft	NV 89031	Web
Told this company that the account was not mine. They did not respond to my letter. Earlier this year my identity was compromised. This is not my account or debt - it's a XXXX XXXX. Mind you, I currently have XXXX in my name. That is not my account. Furthermore, my letter consisted of me requesting my wet signature on a contract with XXXX XXXX according to the FCRA 609. They did not respond.
04/05/2018	Yes	Debt collection Federal student loan debt	Attempts to collect debt not owed Debt is not yours	MA 021XX	Web
See attached letter for more details. They have called and still call my cell and my mothers landline. I do not owe a dime. XXXX XXXX XXXX does and I am in no relation to her whatsoever. I havent spoken to her in years! There is also another company besides this one that is also calling me. Thats why I have two reports. Please note the two different companies however both are for XXXX XXXX.
05/20/2018	Yes	Debt collection Other debt	False statements or representation Attempted to collect wrong amount	CA 957XX	Web
On XX/XX/2018 GC Services debt collection attempted to withdrawal {$2500.00} from my checking account in which I never authorized. I received a call from my bank indicating a " suspicious '' transaction that had just occurred. Originally, I agreed to a {$250.00} monthly repayment plan, but GC Services took it upon themselves to attempt to withdrawal {$2500.00} in which I did not authorize.
11/22/2016	Yes	Student loan Federal student loan servicing	Dealing with my lender or servicer Don't agree with fees charged	AZ 85027	Web	Older American
Original loan amount {$2300.00}. yes just {$2300.00}. collected to date directly out of my social security {$4000.00}. and they still want another {$1000.00}. and continue to add what appear to be made up charges. When is this morally wrong? {$4000.00} minus original {$2300.00} equals {$1700.00} profit, but they still want another $ XXXX+ Collecting over XXXX %? How can this be legal?
06/07/2021	Yes	Debt collection I do not know	Communication tactics You told them to stop contacting you, but they keep trying	NJ 07601	Web
They keep calling me to get in contact with my mom. At this point they are harassing me I literally receive XXXX to XXXX calls a day. They keep asking for my mom and I dont even live with my mom. This is considered harassment and I have no involvement with this debt. They call before XXXX XXXX am or even XXXX am asking for me mom when I have repeatedly told them I do not live with her.
09/12/2023	Yes	Credit reporting or other personal consumer reports Credit reporting	Improper use of your report Reporting company used your report improperly	TX 770XX	Web
I received a letter from GC Services stating that they were attempting to collect a debt. I did not have an account with them. I sent them an affidavit swearing under penalty of perjury that I do not give them consent to report a debt. I noted FDCPA violations along with exhibits backing the violations in my claim. There is also an invoice for each violation in the letters I sent.
11/22/2022	Yes	Debt collection Other debt	False statements or representation Attempted to collect wrong amount	GA 30087	Web
GC Services Limited Partnership got my personal information without my consent. They damaged my reputation by saying that I owe a debt that is not minds. They are also trying to coerce me into paying a debt that is not minds. They are also infringing on my intellectual property. They do not have the right to use my name XXXX XXXX. That is my personal property ( XXXX filing XXXX ).
11/25/2018	Yes	Debt collection Credit card debt	Attempts to collect debt not owed Debt was already discharged in bankruptcy and is no longer owed	CA 93534	Web
I have been dealing with GC services since XXXX. I have always managed to pay my traffic tickets. Since XXXX I made payment arrangements and showed them financial hardship, made a deal that I will pay {$50.00} a month, but they have ignored this and as the result my credit score has been ruined TOTALLY. I HAVE SPENT LONG TIME ON THE PHONE WAITING AND RUDELY THEY HAVE JUST HUNG UP.
10/25/2015	Yes	Debt collection I do not know	Cont'd attempts collect debt not owed Debt is not mine	NJ 076XX	Web
GC Collection services calls me about XXXX times each day. According to the online research I 've done, they harass even people who have no outstanding debt. This is exactly the case with me : I have no late payments, and have never had. I want this bullying to stop : internet is full of stories of their harassment victims. Feel free to contact me : XXXX. My name is XXXX XXXX.
12/12/2018	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt was result of identity theft	CA 917XX	Web
Creditor is reporting accounts that are invalid and unverified. XXXX have investigated this account and they concluded the account was not matching my records of being assigned to me. I would like proof these accounts were disputed per FCRA/ FDCPA. This is causing me anguish and its slandering my good name. Please block this account from my report so I can breathe again.
09/17/2019	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt was paid	MN 55060	Web
My Name is XXXX XXXX and i have service from XXXX for long time then i move to other company and i paid all my bills including the final bill. now they send me a new bill and i told them i pay off all my bills, after then they send my information to collection agency. and i don't know how to pay again, can please help me and i will attach the final bile receipt Thank you
05/14/2015	Yes	Debt collection Credit card	Cont'd attempts collect debt not owed Debt is not mine	MA 01002	Web
GC Services ( XXXX ) called me, claimed to be representing XXXX XXXX, and offered to help resolve an overdue account. I do not have ( and have never had ) an XXXX XXXX card. After I hung up with them, I requested my credit reports and verified that no one has opened an XXXX XXXX account in my name. So the only other explanation is that GC Services was trying to scam me.
10/13/2019	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt was paid	AZ 85614	Web	Older American
On XX/XX/2019 I paid check full balance billed to close this account with check # XXXX which was converted to an ACH and paid according to my bank account. I have returned all equipment. I received no notice from XXXX that it was not paid and I have a copy of my checking to use as proof. I have spoken to XXXX XXXX and GC Services and not been able to resolve with them.
11/15/2020	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	MI 48174	Web
XXXX charged off two federal loans XX/XX/2005. One for {$11000.00} and the other one for {$30000.00}, which appears on my credit report. However, I settled both accounts for {$6000.00} and was informed by GC Services, third party debt collection agency, that the account on my credit will change from charge off to settled which should reflect on my credit report.
12/20/2016	Yes	Student loan Federal student loan servicing	Dealing with my lender or servicer Keep getting calls about my loan	PA 19144	Web
I am being called multiple times on my cell phone and home phone about a student loan taken out in XXXX when I was in college. GC Services, claims they are calling on behalf on XXXX, calls repeatedly, even after being told several times that I am making payments in early XXXX, and to stop repeatedly calling. They 've called more than 7 times a day sometimes.
05/15/2021	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt was result of identity theft	GA 30038	Web
Collection agency gc services for XXXX XXXX has an account for me that is fraud. This is the second time XXXX let someone open an account in my name .I disputed the first one and it was removed. I asked them if the could allow a block or note regarding my name in there system so no ine would be able to open another account in my name, and nothing was done.
03/24/2017	Yes	Credit reporting	Incorrect information on credit report Reinserted previously deleted info	AL 352XX	Web
XXXX XXXX was the provider for this account, I moved from the location due to a separation and my wife loss the house due to a short sale and she moved also. I have requested a copy of the contract that they have not provided. This erronous item on my credit report is affecting my ability to help my business obtain financing to operate as a business.
05/06/2015	Yes	Debt collection Other (i.e. phone, health club, etc.)	Cont'd attempts collect debt not owed Debt is not mine	AR 72118	Web
XXXX claims I owe them money, I do not, They refuse to provide proof of this debt, The XXXX representatives ( XXXX XXXX ) have lied to the Arkansas Attorney General, and the XXXX, ( I have this well documented ) and still harass me by employing collection agencies to act as their agent to continue this harassment, The latest agent being GC services.
12/06/2016	Yes	Student loan Federal student loan servicing	Dealing with my lender or servicer Trouble with how payments are handled	PA 19139	Web
My loan is with a collection agency titled GC services. The only way the company will set my payments up is if I have XXXX references. They already have XXXX on file and I can not find another source who lives outside my home. There guidelines state you need XXXX outside the home so because I do n't have a third reference I can not start repayment.
12/11/2018	Yes	Debt collection Credit card debt	Communication tactics Frequent or repeated calls	LA 701XX	Web
XXXX XXXX ( or XXXX ) with GC Services has call me numerous times, seems like every day. I spoke to XXXX and she indicated she was collecting money of XXXX XXXX. I told her I would pay the outstanding bill by the end of the year, yet she continues to call every day this week. I told her that calling me everyday will not help but she still calls.
05/06/2015	Yes	Debt collection Federal student loan	Communication tactics Frequent or repeated calls	AL 35235	Web
My pay has been garnished due to defaulted student loan. Garnishment payments are still ongoing! I 'm still receiving collection/threatening calls at work and to the human resources department ; in addition to my in-laws whom I have never authorized to have this company contact them. This needs to stop immediately and I need help doing so please.
06/05/2018	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 Problem with personal statement of dispute	WA 98226	Web
On XX/XX/XXXX G C SERVICES reported to the 3 credit bureau 's a debt in the amount of {$870.00}. On XX/XX/XXXX I called and spoke to a representative who agreed to take a settlement in exchange for deleting the entire account off my personal credit report, they have failed. I have called the bureau 's and G C Services multiple times to no avail.
10/04/2018	Yes	Debt collection Federal student loan debt	Communication tactics Frequent or repeated calls	LA 707XX	Web
Reapted phone calls even after we made an agreement. Sent email and changed agreement. Everyday since XX/XX/2018 until XX/XX/2018. 3 to 4 calls a day. Threatening call and garnished my wages. Gc services agreed with me on one monthly payment and 2 days later changed it something else. They want me to make monthly payments and garnish my wages.
11/17/2015	Yes	Debt collection Credit card	Improper contact or sharing of info Contacted employer after asked not to	MA 024XX	Web
These people call from different numbers and when I call them they never address themselves. I do owe a credit card debt but I can not make any payments right now since i only work part time and I am in school. They keep calling my place of employment which is illegal and asking my co-workers personal questions about me. I need this too stop.
10/24/2020	Yes	Debt collection Other debt	Took or threatened to take negative or legal action Threatened to arrest you or take you to jail if you do not pay	NJ 07042	Web
Just received this letter in the mail today and I do not like the " RISK OF ARREST '' part. This is the first contact in about 10 years. I have XXXX intentions of EVER getting or obtaining my Motor Vehicle License back nor any other license. I am permanently XXXX and collect XXXX and do not like being threatened. Thank You and Stay Safe
08/20/2020	Yes	Debt collection Credit card debt	False statements or representation Attempted to collect wrong amount	NC 27284	Web
In XX/XX/2019 I was contacted by GC Services about a debt with XXXX XXXX. They lied and said if I paid them {$500.00} a month for 12 months that the debt would be satisfied. This Month I heard from XXXX XXXX and they still want over {$8000.00}. I called GC services and was told they no longer handle XXXX XXXX and need to call XXXX XXXX.
04/20/2016	Yes	Debt collection Federal student loan	Cont'd attempts collect debt not owed Debt was paid	FL 34207	Web	Older American
GC services has been harrasing me for years. My sons student loan should have been dischargesdischarged in 2007 when he passed away. They call me repeatedly on my cell phone after asking them to stop calling, now they are calling my employer. They are rude and upsetting to me because the lady keeps saying she does n't care my son died.
04/22/2016	Yes	Debt collection Other (i.e. phone, health club, etc.)	Cont'd attempts collect debt not owed Debt was paid	DE 19802	Web
GC Services limited partnership continued to mail me to collect a debt claimed by XXXX. I provided them with documentation from my credit card bank which refund my money and a statement of my new TV provider, XXXX stating the date of my new service which conflict XXXX claim. However, the GC keeps contacting me regarding this issue
04/25/2018	Yes	Debt collection Federal student loan debt	Communication tactics Frequent or repeated calls	NY 109XX	Web
the keep spoofing their phone number so I will get three calls back to back to back from GC services from different numbers, I asked them to stop calling me from different numbers and so frequently ... I would actually like to satisfy my debt but the aggressive way they reach out to me has deterred me from communicating with them
01/04/2017	Yes	Debt collection I do not know	Communication tactics Frequent or repeated calls	MI 48906	Web
I have a debt collector calling my number over and over for someone I do n't know. There is never a person and always a recording giving me the debtors name and address. How is this a legal tactic? The company is GC services and their number is XXXX. Can something be done to punish this company, or are they acting within the law?
07/13/2021	Yes	Debt collection I do not know	False statements or representation Indicated you were committing crime by not paying debt	KY 410XX	Web
Some company called saying they were GC Services. They did not identify themselves as a debt collector which is a flagrant violation of the FDCPA. Instead they were trying to misrepresent who they were, and not immediately state that they were a debt collector. I have no idea why they would call me. I don't owe any alleged debt.
01/28/2019	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt was already discharged in bankruptcy and is no longer owed	CA 95624	Web	Older American, Servicemember
The debt for Citation Number XXXX Dated XX/XX/1990 in the amount of {$1300.00} has been resolved. I contacted the court regarding this matter and was told that the debt had reached the limit for status of limitations and was no longer collectable. I have received two letters from GC Services Limited Partnership threating me.
12/14/2018	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt is not yours	NJ 075XX	Web	Older American
DEBT COLLECTION GC SERVICES CALLS MY FATHER ALMOST ON DAILY BASIS ASKING AND LEAVING MESSAGE FOR A TENANT THAT DOESN'T LIVE IN THE BUILDING ANYMORE. THE REPRESENTATIVE XXXX XXXX HARRASSMENT MY ELDER FATHER ASKING FOR SOMEONE WHO IS NOT RELATED WITH US. NEVER LIVE WITH US. I SPOKE WITH A SUPERVISOR BUT PHONE CALLS CONTINUES.
03/13/2018	Yes	Debt collection I do not know	Communication tactics Frequent or repeated calls	TX 77005	Web
Gc Services Limited Partnership calls almost daily and leaves an automated message on my professional email address. They state they are a debt collection agnecy and would like me to reurn the call. I have not received a voice message on my phone. I have not received anything in writing. I refuse to call this company.
01/13/2018	Yes	Debt collection Credit card debt	Communication tactics Called before 8am or after 9pm	GA 317XX	Web	Servicemember
The company is attempting to collect a dept for my XXXX credit card. They call me about 20 times a day and about 3 of those calls have come after XXXX. I have asked them to stop calling so much and not so late only to be cussed out and called a deadbeat loser who cant pay bills!! I want this harassment stopped by them
06/19/2019	Yes	Debt collection I do not know	Communication tactics Frequent or repeated calls	PA 168XX	Web
Repeated calls multiple times per day. I told them to stop harassing me and I block their call but it comes from a different number the next day. They will not leave a message. When calling the number back they will not disclose any information about why they are calling until you give them your personal information.
12/12/2015	Yes	Debt collection Federal student loan	Cont'd attempts collect debt not owed Debt is not mine	SC 296XX	Web
My name is XXXX XXXX XXXX. I 'm getting mail to my home address at XXXX XXXX XXXX XXXX, SC XXXX. But the name is XXXX XXXX XXXX is not me and I havnt been to school after high school and I do n't want my credit ruined because of this! The clients name is XXXX XXXX XXXX XXXX. Acct # : XXXX Balance Due : {$6600.00}
04/14/2017	Yes	Debt collection I do not know	Cont'd attempts collect debt not owed Debt is not mine	CA 95825	Web
This account is listed under XXXX SUPERIOR COURT claims I have a driving ticket debt of {$1400.00}. This account is listed under incorrect middle and last name and a address I never lived at. Also states it was a XXXX in 2010. I do not recall owning a XXXX. Please investigate this debt it does not belong to me.
02/12/2018	Yes	Student loan Federal student loan servicing	Dealing with your lender or servicer Trouble with how payments are being handled	CT 06082	Web
the lone has been given to G C services who has got over {$17000.00} on what was a {$12000.00} lone and is asking for another {$12000.00} to be paid? I feel this money have been paid off in full. you can get G.C. at XXXX / G, C. services number # XXXX ... me the client account number XXXX balance {$12000.00}
04/22/2015	Yes	Debt collection I do not know	Communication tactics Frequent or repeated calls	CO 808XX	Web
Gentleman called and asked for a family member. Would not identify himself or the reason for the call. When I asked who it was and why he was calling, he would not answer. I told him I would not give any information. Other family member report of repeated calls and harassment. Number the call was from is XXXX.
08/24/2015	Yes	Debt collection I do not know	Cont'd attempts collect debt not owed Debt is not mine	FL 32837	Web
Keep getting a call for a person that is not me ( XXXX XXXX XXXX. Says they are a debt collection agency and waiting to collect and the address provided is not even mine. Would like to stop getting these calls as they call everyday. I do not owe any debt collection agency nor do I know a XXXX XXXX.
10/06/2017	Yes	Debt collection Other debt	Communication tactics Frequent or repeated calls	PA 18103	Web
I contacted them on various occasions with out getting any results, I wrote and sent certified latter to them on XX/XX/XXXX and XX/XX/XXXX with out getting any results. They are claiming that I have a delinquent account with them witch is not true, the contract sent by them do not have my signature.
08/11/2015	Yes	Debt collection I do not know	Cont'd attempts collect debt not owed Debt was discharged in bankruptcy	CA 94565	Web
Debt inclulded in Chapter XXXX BK, collection agency will not accept and continue to collect debt. Some one use my name and information for a ticket and failed I was charge with a XXXX, something I was not aware of this happened in 2011 and I am just aware of this. So I am trying to clear my name.
05/18/2015	Yes	Debt collection Other (i.e. phone, health club, etc.)	Cont'd attempts collect debt not owed Debt was paid	TX 77340	Web
I made a payment of XXXX to GC Services on XX/XX/2015 and XXXX says that they are saying that I still owe a full balance so thy cant remover the collection from my credit report when I had settled the collection in full on XX/XX/2015 therefore I still is showing a collection on my credit report.
09/28/2018	Yes	Debt collection Other debt	Threatened to contact someone or share information improperly Talked to a third-party about your debt	AR 727XX	Web
XXXX HAS SOLD THIS FRAUDULENT DEBT TO XXXX XXXX/XXXX XXXX ETC.. AND ARE ALL REPORTING ON MY CREDIT REPORTS. CEASE AND DESIST COLLECTION EFFORTS..AND CEASE COMMUNICATIONS WITH MY DAD AND FAMILY MEMEBERS.ALL PARTIES TO BE SUED IN CLASS ACTION SHOULD THEY FAIL TO PAID ME {$27000.00} IN DAMAGES..
08/02/2017	Yes	Student loan Federal student loan servicing	Dealing with your lender or servicer Received bad information about your loan	VA 22902	Web
Settled my debt with GC Services and confirmed with rep named XXXX that all XXXX disbursements were included in the settlement only to find out one month later that they want me to pay more. What can I do? They will not even provide a reference number or receipt of my recent {$7000.00} payment!
01/30/2018	Yes	Student loan Federal student loan servicing	Struggling to repay your loan Can't get other flexible options for repaying your loan	DE 198XX	Web
I contacted XXXX to schedule an exam for my XXXX XXXX XXXX certification and they told me that I had a five year period to take the exam and that my training was obsolete. I then contacted the Justice Dept and Higher Ed Dept. To ask them why must I pay for an education that I could not use.
08/14/2020	Yes	Debt collection Credit card debt	Attempts to collect debt not owed Debt is not yours	NJ 088XX	Web
Debt assigned to my account in error. Debt listed in another persons name but assigned to my account. Company say I owe debt but debt is not in my name. Debt is in another person name. Debt is showing owed by a XXXX XXXX. I am unaware of who is this person. I am also unaware of this debt.
01/28/2019	Yes	Debt collection I do not know	Communication tactics You told them to stop contacting you, but they keep trying	CA 902XX	Web
I don't know why I must spend so many countless hours trying to get GC Services to repsond to my authroized represenatives letter ( s ). GC Services will not stop calling me even after I asked them stop calling on my cellular telephone. PLEASE CONTACT XXXX XXXX XXXX XXXX ( XXXX ) XXXX
04/13/2016	Yes	Debt collection I do not know	Communication tactics Used obscene/profane/abusive language	TX 78232	Web
I keep getting calls at my office desk phone from this company. They are attempting to contact someone else and hang up every time I provide my name. I 've asked multiple times for them to take the number off their dialer as I do not know who they are looking for but I still get calls.
09/21/2020	Yes	Debt collection Credit card debt	Attempts to collect debt not owed Debt was result of identity theft	TN 38501	Web
It has came to my attention you guys are trying to collect a debt ; which was a result of Identity Theft. Attached is a dispute letter ; and my ID Theft Report. I ask that you immediately stop contacting me, remove the account, and stop all collection activities as soon as possible.
10/13/2017	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	NJ XXXXX	Web
There is an account on my credit report from GC Services with XXXX. For balance it says XXXX and for high balance it says XXXX the information is incorrect. This account was also removed from my credit report and keeps reappearing. It was removed because of the amount being incorrect.
12/01/2015	Yes	Debt collection Federal student loan	Disclosure verification of debt Right to dispute notice not received	NY 14620	Web
Prior to any wage garnishment, debt collectors need to send the debtor a summons so they 're aware of their right to dispute the debt in court. In order to send such summons, they must notify me not only by mail but in person, per New York state lawXXXXNo such notification was made.
09/14/2020	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Improper use of your report Report provided to employer without your written authorization	NM 88240	Web	Servicemember
Disputes, sent written letters about identity theft, no resolutions reached j was never contacted back by the credit companies and they never fixed the incorrect items that are listed on my credit report such address business debts that are not mine. My credit has been affected.
08/09/2016	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 76522	Web
GC Services left messages on my answering machine stating my name and that it was in regards to a debt. I shared my cell phone with my roommates and the voice mail does not state that it belongs to me. The debt collector is also calling my cell phone without my permission.
07/17/2019	Yes	Debt collection Credit card debt	Attempts to collect debt not owed Debt was paid	AZ 85014	Web
On XX/XX/XXXX I made my final payment to GC services for my XXXX credit card. I received a letter stating they will be reporting to XXXX that my account has been settled and paid in full. XXXX has yet to act and report to the credit bureau that this account has been paid.
07/14/2015	Yes	Debt collection I do not know	Communication tactics Frequent or repeated calls	TX 77083	Web
GC SERVICES COLLECTION AGENCY is calling my phone way too much, from several different numbers, after I sent a letter in writing asking that they verify the debt they say I owe. It 's pure harassment. I wo n't talk to them until they can prove this debt is actually mine.
06/23/2017	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Problem with a credit reporting company's investigation into an existing problem Difficulty submitting a dispute or getting information about a dispute over the phone	CO 80204	Web	Servicemember
In XXXX XXXX, XXXX took out $ XXXX unauthorized out of my account. I have been attempting to rectify this and obtain a refund since and have been unable to recover my funds. In this time, XXXX has sent my account for collections and negatively affected my credit report.
12/09/2015	Yes	Debt collection Credit card	Disclosure verification of debt Not given enough info to verify debt	SC 29621	Web
I have asked repeatedly for proof of payment history and GC Services Limited Partnership is refusing to provide documentation. Documentation is being required by another lender. Without proof, GC Services Limited Partnership is pushing my family into financial hardship.
02/19/2016	Yes	Debt collection Credit card	Improper contact or sharing of info Contacted employer after asked not to	IL 60657	Web
a debt collector is calling my work place everyday constantly and is calling my parents home where I do not live and is in another state. The debtor collector has left numerous messages at my work place and has left my mother and father XXXX messages on their machine.
05/22/2017	Yes	Debt collection Federal student loan debt	Communication tactics You told them to stop contacting you, but they keep trying	VA 23434	Web
XXXX XXXX ... .. XXXX XXXX XXXX gcservices XXXX XXXX XXXX called XXXX I returned the call from a different number. XXXX started giving out my account info after giving out all my account info. I feel my privacy rights were violated.
03/15/2016	Yes	Debt collection I do not know	Improper contact or sharing of info Contacted employer after asked not to	CA 94404	Web
GC Services called multiple times to my work, discussed some debt that I am not aware of with my company receptionist ; they also contacted HR department in regarding to debt info and claimed that they are calling from the government and will garnish my wages.
11/19/2022	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt was result of identity theft	OK 73012	Web	Servicemember
G C SERVICES Original creditor : XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance - {$2100.00} Account number - XXXX Date opened- XX/XX/2022 G C SERVICES Address XXXX XXXX XXXX XXXX, TX XXXX Phone number ( XXXX ) XXXX This cause negative impact on my credit report.
10/08/2017	Yes	Debt collection Other debt	Written notification about debt Didn't receive notice of right to dispute	OH 43202	Web
I have reviewed my Credit report and found an account unrecognized items from your office G C SERVICES. I do n't remember doing any business or having having a contract for services with your company. Please forward me proof of contract or my signature etc.
06/21/2016	Yes	Student loan Federal student loan servicing	Dealing with my lender or servicer Keep getting calls about my loan	NE 685XX	Web
GC Services ( XXXX ) is a student loan collection company. I 've written them many times asking them to NOT call my work. They always will continue to do so. They 've verbally told me that they 'll continue to call my work, even if it risk me losing my job.
05/25/2018	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Account information incorrect	OK 73013	Web
Account is being reported as late and delinquent when I am prepaid for years. I’ve been making big payments to get these paid off, and currently show no balance due. However, my most recent credit report shows me as 90 days delinquent on these accounts.
04/05/2019	Yes	Student loan Federal student loan servicing	Struggling to repay your loan Can't temporarily delay making payments	NE 683XX	Web
I was garnished and am trying to contact companyvto work w them and get basic info on acct. No answer and i am waiting on taxes need to know if company has rights. Also amount seems way off my balance needs a detailed history of interest and payments.
05/23/2018	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt is not yours	NC 28213	Web
I told them that ii do not owe them this debt over the phone and I e-mail them online and I am repudiating this debt, but they still send me letters and call me on the phone. GC services limited partnership, XXXX XXXX XXXX XXXX tx XXXX, XXXX.
05/10/2015	Yes	Debt collection Other (i.e. phone, health club, etc.)	Cont'd attempts collect debt not owed Debt resulted from identity theft	TX 752XX	Web
Back in XXXX, I received a letter that says that I owe XXXX {$3600.00}. The problem is that I never started an account with XXXX, nor had the knowledge of it being in my name. Recently, the false debt has been reported to the credit bureaus.
12/03/2019	Yes	Debt collection Other debt	Communication tactics You told them to stop contacting you, but they keep trying	AZ 85204	Web
I had advised this company I was considering filing bankruptcy and to stop calling me, and they advised me they didnt have to until I provided an attorneys information. They also failed to read me the Mini Miranda- unacceptable under FCDPA.
10/21/2015	Yes	Debt collection Other (i.e. phone, health club, etc.)	False statements or representation Indicated committed crime not paying	CA 92139	Web
I have no idea what to check ..I paid GC services and they havnt callled XXXX court to release the hold on my license so I may go back to work. I paid them XX/XX/XXXX..they said 10 working days.It 's been passed that and I 'm still waiting.
04/13/2015	Yes	Consumer Loan Installment loan	Managing the loan or lease	NY 11372	Web
I am being harassed by a company called http XXXX/ or GC Services. They have called me repeatedly at my place of work, demanding to know my social security number. They do this in spite of my formally complaining to them. This is illegal.
08/31/2016	Yes	Debt collection I do not know	Disclosure verification of debt Not disclosed as an attempt to collect	DC 20010	Web
Left a voicemail for me to return their call and reference a case number in regards to my sister. Upon researching the number discovered its a debt collection agency, which they did not disclose in the voicemail. Says it is GC Services.
07/06/2015	Yes	Debt collection I do not know	Cont'd attempts collect debt not owed Debt is not mine	GA 30066	Web	Older American
A company calling themselves GC Services is calling my telephone number XXXX attempting to collect a debt that does not belong to me. I have told them before to not call my number, but they wait a few months and resume their harassment.
05/22/2019	Yes	Debt collection I do not know	Communication tactics You told them to stop contacting you, but they keep trying	KS 662XX	Web
XXXX from the company is calling me and multiple other people trying to gain information. Does not identify the debt she is trying to collect. Multiple parties have asked them to stop calling. She is continuing to call repeatedly.
06/22/2017	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Improper use of your report Reporting company used your report improperly	GA 30214	Web
One XXXX XXXX , 2017 G C Services repo rted an unpaid account to my XXXX and XXXX credit reports. G C Services does not have a license to collect a debt in the State of GA. They are violating my rights per the FCRA.
10/27/2015	Yes	Debt collection Credit card	Communication tactics Frequent or repeated calls	IL 61820	Web	Older American
These people ( XXXX ) call almost every hour from XXXX - XXXX. When I answer the phone, they hangup. They have called repeatedly for two weeks. I looked their number up on XXXX and found out that it is a collection agency for XXXX
04/24/2021	Yes	Debt collection Credit card debt	False statements or representation Impersonated attorney, law enforcement, or government official	MI 48223	Web	Older American
Repeated calls to my phone Impersonating that they was Michigan state treasury office and ask for to give them my address to send me a check from unclaimed property the company is called G C debt collection phone number XXXX XXXX
04/10/2017	Yes	Debt collection Other (i.e. phone, health club, etc.)	Cont'd attempts collect debt not owed Debt is not mine	OH 45420	Web
I had a phone lease through the cell phone carrier XXXX . The phone was returned to the store, but XXXX did not account for the phone. As of now I am receiving collection notifications for the phone i rightfully returned.
06/18/2019	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Account information incorrect	UT 84088	Web
GC Services # XXXX is reporting a balance that I do not owe. I have already paid this off. I should not have a balance on this account nor should it be reporting to my credit. I have paid this and it should not be reporting.
11/12/2020	Yes	Debt collection Credit card debt	Communication tactics Frequent or repeated calls	VA 22406	Web
XXXX from XXXX calls me back to back if i ignore the phone calls. Also he calls representing XXXX bank from a different company with whom i do not even have a relationship and insists on me " verifying '' my SSN with him.
09/14/2017	Yes	Debt collection Credit card debt	Threatened to contact someone or share information improperly Contacted your employer	IL 60085	Web
On Wednesday, XXXX XXXX between XXXX and XXXX, my employer was contacted by a man named XXXX with a collection company. He asked my employer to know personal information about myself. The phone number was XXXX ext. XXXX
06/13/2017	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt was already discharged in bankruptcy and is no longer owed	FL 33801	Web
GC Services Collections for XXXX {$2600.00} rounded Balance was discharged through Chapter XXXX I have disputed this item 4 times I also never received a collection notice before it showed up on my credit report
06/26/2015	Yes	Debt collection Credit card	False statements or representation Attempted to collect wrong amount	NY 10019	Web
VIOLATED " FAIR CREDIT BILLING ACT '' AND FDCPA '' ... XXXX DIFFERENT COMPANIES DEMAND SAME PAYMENT OF FRAUD ACCOUNT XXXX XXXX AND NOT MY ACCOUNT. FORMAL FRAUD AFFIDAVIT FILED WITH " FTC '' CASE # XXXX AND WITH XXXX
04/19/2016	Yes	Debt collection I do not know	Cont'd attempts collect debt not owed Debt is not mine	AZ 85008	Web
I have been getting contacted by an agency called " GC '' Services and they will not tell me why they are calling me. I am not past due on any accounts that are owed and will not provide me with any information.
08/02/2015	Yes	Debt collection Other (i.e. phone, health club, etc.)	Cont'd attempts collect debt not owed Debt was paid	XXXXX	Web
I had closed my account with my phone carrier " XXXX '' because i was leaving out of the country. I called to cancel the account on XXXX 2014, they wanted to charge me for XXXX 2014 which i was not going to use.
08/08/2018	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt was already discharged in bankruptcy and is no longer owed	SC 29073	Web
On XX/XX/XXXX when I received the letter I try to contact the company to let them know the debt had be settled.By email several times.But it wouldn't allow me to enter the site with the assigned account number.
05/08/2015	Yes	Debt collection Credit card	Communication tactics Frequent or repeated calls	NJ 077XX	Web
I am in remediation for debt collection. Some creditors have settled. They have not. They are only supposed to contact me through the lawyer, but I am getting harassing calls on my cell, at home and at work.
12/13/2017	Yes	Debt collection I do not know	Communication tactics Frequent or repeated calls	TX 77018	Web
Numerous calls to XXXX XXXX XXXX XXXX to NOT call us for someone that has NEVER worked here. I have personally spoken with at least 15 " managers '' that promised to stop the calls. Bordering on harassment.
04/01/2017	Yes	Debt collection I do not know	Improper contact or sharing of info Contacted employer after asked not to	NY 11694	Web
They called my job and told a co-worker what company they were calling from when she asked who was calling. That is no ones business and they should never contact my job. They keep calling me all day long.
07/06/2017	Yes	Debt collection Other debt	False statements or representation Attempted to collect wrong amount	MN 55449	Web
I was promised XXXX $ dollars to switch from XXXX XXXX to XXXX XXXX come to find oylut it was lying tactics they use to get your business! I refer approx XXXX out of the XXXX I was promised!
10/24/2016	Yes	Debt collection I do not know	Improper contact or sharing of info Contacted employer after asked not to	MO 65203	Web
GC Services has continually contacted me at place of employment after numerous times of telling them not to call me at work yet they continue to do so and are very rude and disrespectful on the phone.
03/30/2020	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt is not yours	MI 49504	Web
Attached request for debt Validation through Consumer Financial Protection Bureau. The company can not identify the date of the alleged default of debt and other reasons discussed in attached letter.
06/28/2017	Yes	Debt collection Federal student loan debt	Threatened to contact someone or share information improperly Talked to a third-party about your debt	CA 913XX	Web
GC Services Collection agency employee XXXX or XXXX XXXX contacted my employer and spoke to the receptionist about my debt and told her that if I do n't call back today, they will garnish my wages.
06/26/2019	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt was paid	CA 91803	Web
I already canceled all the services and the XXXX XXXX still charge me for next circle bill, I refused to pay them and the collector marked as debt, they said they decided when to stop my service.
04/04/2017	Yes	Debt collection Credit card	Communication tactics Frequent or repeated calls	CO 815XX	Web	Older American
The collection agency left repeated automated messages on my answering machine associated with the above number ... the message was such anyone in the household were advised of my debt to XXXX.
05/09/2018	Yes	Debt collection Credit card debt	Communication tactics Frequent or repeated calls	LA 701XX	Web
GC Services calls me everyday with different phone numbers. I told them that I will resolve by the XXXX. They didnt want to wait. They threatened to collect it from my bank account right away.
03/28/2017	Yes	Debt collection I do not know	Communication tactics Frequent or repeated calls	FL 32812	Web
I AM RECEIVING A CALL I THINK IT IS IN REGARDS TO A STUDENT LOAN. I AM CURRENT WITH MY STUDENT LOAN DEBT, AND OF MY BILLS ARE CURRENT. BUT THIS COMPANY CALLED GC SERVICES CALLS ME EVERYDAY ...
07/20/2015	Yes	Debt collection I do not know	Communication tactics Frequent or repeated calls	CO 80004	Web
They never leave a voicemail. I 've filed for bankruptcy and therefore any and all collections MUST STOP. I have n't had a collection call since XXXX and these people just started 4 days ago.
01/31/2016	Yes	Debt collection Credit card	Communication tactics Frequent or repeated calls	FL 32205	Web
The number XXXX continually calls me, my parents, and my work asking for me. I do not owe the amount of debt they say I do and call multiple times per day. A " XXXX XXXX '' is the caller.
10/19/2015	Yes	Debt collection Credit card	Communication tactics Frequent or repeated calls	TX 77379	Web
The collectors are calling a number that I no longer use! It is my parents phone number and I do not live there anymore nor do I use that phone number! I have my own personal phone number
10/17/2020	Yes	Debt collection Other debt	Took or threatened to take negative or legal action Threatened or suggested your credit would be damaged	FL 34953	Web	Older American
I received a letter saying I owe {$150.00} to XXXX. I pay my internet bill to XXXX on time every month for the past 2 years plus. I do not owe any balance to any bill concerning XXXX.
03/02/2018	Yes	Debt collection I do not know	Communication tactics You told them to stop contacting you, but they keep trying	SC 29316	Web
They continue to call me, XXXX XXXX, ( a XXXX person ), looking for other people who may or may not be related to me. I've asked that my phone number be removed on various occasions.
07/16/2019	Yes	Debt collection Other debt	Communication tactics Frequent or repeated calls	CA 93035	Web
GC services was contacted by my local court cause I owe the court money for fines I don't have {$5000.00} dollars to just pay all at once The court however does take my tax refund
02/04/2018	Yes	Student loan Federal student loan servicing	Struggling to repay your loan Can't temporarily delay making payments	PA 195XX	Web
I want to get my status to open and start making affordable payment I cant keep having the irs take my income tax which is completely for my kids college fund I really need help.
12/01/2020	Yes	Debt collection I do not know	Communication tactics Frequent or repeated calls	IL 60018	Web
Calling me for a debt that is owed by another individual. 2 calls within an hour on XX/XX/20 and multiple prior calls. I told them previously they are calling the wrong number.
05/28/2019	Yes	Debt collection I do not know	Written notification about debt Didn't receive notice of right to dispute	CA 95336	Web
I have not had a XXXX account and to see a collection from them is surprising. I have not recieved any letters in the mail or phone calls? just seen this on my credit report
06/08/2017	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt was paid	FL 33020	Web
Agreed to pay in full " settlement '' which I did. Called multiple times regarding this And was explained it will be taken off my credit in one month, it 's been 3-4 mo nths
09/29/2016	Yes	Student loan Federal student loan servicing	Can't repay my loan Can't temporarily postpone payments	FL 33173	Web
They have called multiple times at my job that I just started. I 've already been called attention due to this matter. Please I need help with this. XXXX her name is XXXX
08/29/2023	Yes	Debt collection I do not know	Took or threatened to take negative or legal action Threatened or suggested your credit would be damaged	AZ 85032	Web
received repeated phone calls and voice messages from multiple numbers claiming I took out a payday loan for {$400.00} in 2016. I never took out a payday loan in 2016
12/31/2016	Yes	Debt collection Other (i.e. phone, health club, etc.)	Cont'd attempts collect debt not owed Debt was paid	ID 83651	Web	Older American, Servicemember
I owe XXXX nothing. My account is current. I called XXXX and they said I own then nothing. GC keeps reintroducing this into my report to EXTORT {$160.00} from me.
12/23/2022	Yes	Debt collection I do not know	Written notification about debt Didn't receive enough information to verify debt	CA 94611	Web
I have been trying to get in contact with this collection agency for a while, never seem to get a response. Most recent letter was sent XX/XX/2022. Amount XXXX
12/21/2017	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt is not yours	TX XXXXX	Web
Gc Services Limited Partnership is attempting to collect a debt that I do not owe to them. Ive never done business with them, and I have no idea who they are.
05/25/2017	Yes	Debt collection Credit card debt	Attempts to collect debt not owed Debt was result of identity theft	PR 00777	Web
identiy thef with XXXX XXXX visa.purchase was made in newyork. and I livein Puerto rico.file police report in Puerto rico.am ount of XXXX .need he lp.
07/07/2017	Yes	Debt collection I do not know	Communication tactics Frequent or repeated calls	CO 80602	Web
I 've repeatedly asked them not to contact this phone number, but yet I continue to receive calls. A supervisor argued that he does n't have to stop calling
04/04/2022	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	KY 42071	Web
A pay to delete letter with sent into the company in exchange for the balance to be paid off, the collection was not deleted, but only marked as closed.
07/25/2019	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt is not yours	GA 30126	Web
I check my credit see a bill from a debt collector that is not mines they send me a bill that is not mines I never open a XXXX account in my life
06/23/2015	Yes	Debt collection Other (i.e. phone, health club, etc.)	Cont'd attempts collect debt not owed Debt is not mine	TX 752XX	Web
I had just received my credit update today, and my credit scores have dropped, and it 's because of this debt that I do n't owe. I 'm so furious.
01/16/2017	Yes	Debt collection I do not know	Communication tactics Frequent or repeated calls	NY 11225	Web
I am a third party and do not have a debt they are trying to collect. They have contacted me several times after I have asked them to stop.
06/24/2015	Yes	Debt collection I do not know	Cont'd attempts collect debt not owed Debt is not mine	TX 77063	Web
XXXX LETTERS IN AND THIS COMPANY STILL WILL NOT TAKE THIS OFF OF MY CREDIT REPORT AND STOP SENDING ME PAPER WORK THAT DOESNT BELONG TO ME!!
12/04/2021	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt is not yours	TX 77055	Web
GC SERVICES has wrongfully hurt my credit score with a debt of 154.00 dollars. The debt on there is not mine and i need it fixed NOW!
12/23/2022	Yes	Debt collection I do not know	Written notification about debt Didn't receive enough information to verify debt	CA 94611	Web
I have been reaching out to Gc services for a while, never get a response. XXXX {$530.00} Most recent letter sent. XX/XX/2022
05/05/2015	Yes	Debt collection Other (i.e. phone, health club, etc.)	Communication tactics Frequent or repeated calls	TX 77340	Web
I sent in a signed affidavit from a process server and sent it in and nothing has been done and my credit score is bad now.
07/13/2021	Yes	Debt collection I do not know	Threatened to contact someone or share information improperly Talked to a third-party about your debt	VA 23435	Web
Continued to contact family members with same last name after repeatedly asking them not to and attempting to resolve debt
04/02/2019	Yes	Debt collection I do not know	False statements or representation Attempted to collect wrong amount	CA 91367	Web
GC services continues to list Debt owed within its database for a case that was fully dismissed in traffic court.
03/14/2019	Yes	Debt collection I do not know	Communication tactics Called before 8am or after 9pm	NJ 07106	Web
This GC Services calls late after XXXX and I'm XXXX and on medication, and they wake me and this is disturbing.
05/17/2021	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt was paid	AR 72712	Web
creditor agreed to eliminate this debt when paid and is now appearing on my report as a paid collection
06/03/2021	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt is not yours	CA 92154	Web
I do not owe G C SERVICES for any debt and would like them to remove all items from my credit report
04/06/2016	Yes	Debt collection I do not know	Communication tactics Frequent or repeated calls	PA 188XX	Web
GS Services is calling my work number they have been told in the past not to call this number.
08/19/2015	Yes	Debt collection Credit card	Communication tactics Frequent or repeated calls	WI 54115	Web
Consistently calling me at work even though I told them that I can not take calls at work
06/08/2016	Yes	Debt collection I do not know	Communication tactics Frequent or repeated calls	TX 77379	Web	Older American
These calls are for a relative that does not live with me, nor have they since 1973.
11/12/2019	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt is not yours	FL 34748	Web
I have asked thos company to show me what this debt wa for & not given imformation.
01/27/2019	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt is not yours	FL 33584	Web
gs services is atempting to collect a debt that is not mine XX/XX/2018 XXXX XXXX
02/02/2017	Yes	Debt collection Credit card	Disclosure verification of debt Not given enough info to verify debt	WA 98366	Web
GC Services is not correctly reporting that I am paying them in XXXX or XXXX
10/16/2020	Yes	Debt collection I do not know	Threatened to contact someone or share information improperly Contacted you instead of your attorney	AR 72761	Web
GC KEEPS CALLING MY CELL FOR FAMILY MEMBER XXXX XXXX, SKIP TRACING ETC ...
05/23/2023	Yes	Debt collection I do not know	Took or threatened to take negative or legal action Collected or attempted to collect exempt funds	MI 482XX	Web
GC services garnishes my bank account for {$900.00} for reasons unknown.
07/22/2020	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt is not yours	GA XXXXX	Web
I do not have an account or have used their service to inquire a balance
04/24/2023	Yes	Debt collection Credit card debt	Attempts to collect debt not owed Debt was result of identity theft	CA 91606	Web
THE XXXX WAS NOTIFIED OF THE IDENTITY FRAUD. DOCUMENTATION WAS PROVIDED
12/05/2015	Yes	Debt collection I do not know	Communication tactics Frequent or repeated calls	GA 307XX	Web	Servicemember
they call insisting need to call today call at XXXX but close at XXXX.
09/21/2015	Yes	Debt collection Non-federal student loan	Disclosure verification of debt Not given enough info to verify debt	MI 48185	Web
The debt creditor has NOT provided sufficient verification to collect.
04/26/2021	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Improper use of your report Credit inquiries on your report that you don't recognize	PA 19139	Web
Someone was suppose to handle it. but the problem was never resolved.
03/07/2017	Yes	Debt collection Other (i.e. phone, health club, etc.)	False statements or representation Attempted to collect wrong amount	AZ 85120	Web	Servicemember
I was told that monthly bill would be much lower than XXXX a month
05/16/2015	Yes	Debt collection I do not know	Improper contact or sharing of info Contacted me after I asked not to	OH 45044	Web
I do not owe any past due bills. Why do they keep calling me?
10/04/2022	Yes	Debt collection Credit card debt	Written notification about debt Didn't receive notice of right to dispute	FL 342XX	Web
Debt was paid and no notification of payment is forthcoming
07/08/2016	Yes	Debt collection Payday loan	False statements or representation Indicated committed crime not paying	FL 34698	Web	Servicemember
Multiple harassing phone calls to myself and family members
05/09/2016	Yes	Debt collection Other (i.e. phone, health club, etc.)	Cont'd attempts collect debt not owed Debt is not mine	CA 93535	Web
I never opened a account or done business with XXXX.
10/28/2016	Yes	Debt collection Credit card	Cont'd attempts collect debt not owed Debt is not mine	OK 73034	Web
repetitious phone calls intended to annoy or abuse
05/30/2015	Yes	Debt collection I do not know	Communication tactics Frequent or repeated calls	TX 78233	Web	Servicemember
Frequent harassing phone calls throughout the day.
04/08/2016	Yes	Debt collection Non-federal student loan	Improper contact or sharing of info Talked to a third party about my debt	IL 60002	Web
Contacted my former landlord about alleged debt.
11/01/2018	Yes	Debt collection Other debt	Communication tactics Frequent or repeated calls	TX 78040	Web	Older American
I keep getting calls from gcs services daily
04/27/2021	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt was paid	MA 01930	Web
Mailing me multiple letters which are false
01/11/2024	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt was result of identity theft	MS 38637	Web

12/22/2023	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt was result of identity theft	GA 30305	Web

12/18/2023	Yes	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	PA 19608	Web

10/23/2023	Yes	Debt collection Telecommunications debt	Took or threatened to take negative or legal action Threatened or suggested your credit would be damaged	FL 33014	Web

10/12/2023	Yes	Credit reporting or other personal consumer reports Credit reporting	Improper use of your report Reporting company used your report improperly	TN 38242	Web

09/13/2023	Yes	Debt collection Credit card debt	Communication tactics You told them to stop contacting you, but they keep trying	TX 75006	Web

07/07/2023	Yes	Debt collection Credit card debt	Threatened to contact someone or share information improperly Talked to a third-party about your debt	WA 98902	Web

06/27/2023	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt was result of identity theft	FL 33436	Web

06/27/2023	Yes	Debt collection Credit card debt	Threatened to contact someone or share information improperly Talked to a third-party about your debt	AL 35763	Web

05/23/2023	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt was result of identity theft	GA 30326	Web

04/16/2023	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	CT 06114	Web

04/07/2023	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Improper use of your report Credit inquiries on your report that you don't recognize	NY 11550	Web

04/06/2023	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	NM 87120	Web

03/16/2023	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	NJ 07662	Web	Servicemember

02/28/2023	Yes	Debt collection Other debt	Written notification about debt Didn't receive enough information to verify debt	NM 88005	Web	Servicemember

02/22/2023	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt was result of identity theft	MI 48035	Web

12/30/2022	Yes	Debt collection Other debt	Written notification about debt Didn't receive enough information to verify debt	TX 77469	Web

12/20/2022	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt is not yours	OH 45042	Web

12/06/2022	Yes	Debt collection Mortgage debt	Attempts to collect debt not owed Debt was paid	TN 37211	Web

12/01/2022	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 76548	Web

11/19/2022	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	CA 90028	Web

09/18/2022	Yes	Debt collection Other debt	Written notification about debt Notification didn't disclose it was an attempt to collect a debt	PA 19122	Web

09/14/2022	Yes	Debt collection Credit card debt	Attempts to collect debt not owed Debt was result of identity theft	NJ 07083	Phone

08/30/2022	Yes	Debt collection Auto debt	Written notification about debt Didn't receive enough information to verify debt	MI 48076	Web

08/02/2022	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt is not yours	TX 77493	Referral

07/04/2022	Yes	Debt collection Credit card debt	Communication tactics Used obscene, profane, or other abusive language	CA 92505	Web

05/17/2022	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt was result of identity theft	SC 29466	Web

04/27/2022	Yes	Debt collection I do not know	Written notification about debt Notification didn't disclose it was an attempt to collect a debt	NC 27106	Web

04/04/2022	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt is not yours	GA 30519	Web

03/19/2022	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt was already discharged in bankruptcy and is no longer owed	OK 74501	Web

02/23/2022	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt was paid	TX 76513	Web

02/18/2022	Yes	Debt collection I do not know	Communication tactics Used obscene, profane, or other abusive language	MS 38930	Web

02/16/2022	Yes	Debt collection Private student loan debt	Took or threatened to take negative or legal action Threatened to sue you for very old debt	RI 02893	Web

02/05/2022	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt is not yours	GA 31326	Web

01/28/2022	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt was result of identity theft	NY 10036	Web

01/19/2022	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt is not yours	MI 48503	Phone	Servicemember

01/11/2022	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 Their investigation did not fix an error on your report	VA 23832	Web

01/10/2022	Yes	Debt collection Other debt	Written notification about debt Didn't receive enough information to verify debt	GA 30350	Web

12/30/2021	Yes	Debt collection Other debt	Written notification about debt Didn't receive notice of right to dispute	CO 80640	Web

12/03/2021	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt is not yours	OH 44123	Web

11/07/2021	Yes	Debt collection Other debt	Took or threatened to take negative or legal action Threatened to sue you for very old debt	CA 95624	Web

11/01/2021	Yes	Debt collection I do not know	Written notification about debt Didn't receive enough information to verify debt	CA 95330	Web

10/15/2021	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt is not yours	PA 18343	Phone	Servicemember

10/13/2021	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Improper use of your report Reporting company used your report improperly	MD 21076	Web

10/06/2021	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	FL 33426	Web

10/06/2021	Yes	Debt collection Other debt	Written notification about debt Didn't receive enough information to verify debt	GA 30350	Web

09/28/2021	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt was result of identity theft	FL 34481	Web

09/17/2021	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt is not yours	IL 60005	Web	Older American

09/13/2021	Yes	Debt collection Other debt	Written notification about debt Didn't receive enough information to verify debt	VA 23464	Referral

09/04/2021	Yes	Debt collection Credit card debt	False statements or representation Attempted to collect wrong amount	GA 30350	Web

08/17/2021	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt is not yours	NV 89052	Web

08/11/2021	Yes	Debt collection Other debt	Written notification about debt Didn't receive enough information to verify debt	FL 33579	Web

08/10/2021	Yes	Debt collection I do not know	Written notification about debt Didn't receive enough information to verify debt	SC 29163	Web

07/26/2021	Yes	Debt collection I do not know	Written notification about debt Didn't receive enough information to verify debt	SC 29142	Web

07/23/2021	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt was result of identity theft	NY 11412	Web

07/20/2021	Yes	Debt collection Credit card debt	Written notification about debt Didn't receive enough information to verify debt	NY 12967	Web

07/17/2021	Yes	Debt collection Credit card debt	Attempts to collect debt not owed Debt was result of identity theft	GA 30024	Web

07/14/2021	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt was paid	IL 60827	Web

06/22/2021	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Account information incorrect	CO 80013	Web

06/07/2021	Yes	Debt collection Private student loan debt	Written notification about debt Didn't receive enough information to verify debt	MI 48642	Web

06/03/2021	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 Investigation took more than 30 days	LA 70520	Web

05/20/2021	Yes	Debt collection Credit card debt	Attempts to collect debt not owed Debt was result of identity theft	NJ 08863	Web

05/19/2021	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt is not yours	IL 60089	Web

04/28/2021	Yes	Debt collection Other debt	Threatened to contact someone or share information improperly Contacted you after you asked them to stop	FL 33025	Web

04/25/2021	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	NY 12144	Web

04/12/2021	Yes	Debt collection Credit card debt	Threatened to contact someone or share information improperly Contacted you after you asked them to stop	CO 80917	Web	Servicemember

04/02/2021	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	TN 38109	Web

04/01/2021	Yes	Debt collection Credit card debt	Attempts to collect debt not owed Debt was result of identity theft	GA 30024	Web

03/31/2021	Yes	Debt collection Other debt	Communication tactics Used obscene, profane, or other abusive language		Phone	Older American, Servicemember

03/24/2021	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt is not yours	NJ 07111	Referral

03/11/2021	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt is not yours	MA 02771	Web

03/05/2021	Yes	Debt collection Other debt	Written notification about debt Didn't receive notice of right to dispute	AZ 85139	Web

03/03/2021	Yes	Debt collection Private student loan debt	False statements or representation Attempted to collect wrong amount	IL 62271	Web

02/09/2021	Yes	Debt collection Auto debt	Communication tactics You told them to stop contacting you, but they keep trying	SC 29615	Web

02/08/2021	Yes	Debt collection Other debt	Written notification about debt Didn't receive notice of right to dispute	ND 58701	Web	Servicemember

01/23/2021	Yes	Debt collection Credit card debt	Written notification about debt Didn't receive enough information to verify debt	PA 15639	Postal mail

12/20/2020	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt is not yours	KS 66611	Web	Older American

12/14/2020	Yes	Debt collection Other debt	Written notification about debt Didn't receive enough information to verify debt	AZ 85142	Web

12/09/2020	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt was paid	TX 77304	Postal mail

12/05/2020	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	NV 89115	Web

12/02/2020	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt was result of identity theft	MD 20851	Web	Servicemember

11/12/2020	Yes	Debt collection Other debt	Written notification about debt Didn't receive enough information to verify debt	NV 89134	Web

10/30/2020	Yes	Debt collection Credit card debt	Written notification about debt Didn't receive enough information to verify debt	MA 02368	Web

10/29/2020	Yes	Debt collection I do not know	Communication tactics You told them to stop contacting you, but they keep trying	AZ XXXXX	Web	Servicemember

10/16/2020	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	LA 70122	Web

10/06/2020	Yes	Debt collection Other debt	Took or threatened to take negative or legal action Threatened or suggested your credit would be damaged	CA 92629	Referral

09/13/2020	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	PA 19150	Web

08/10/2020	Yes	Debt collection Auto debt	False statements or representation Attempted to collect wrong amount	NV 89044	Web

08/05/2020	Yes	Mortgage Conventional home mortgage	Trouble during payment process	OH 44102	Phone

07/27/2020	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt was result of identity theft	WI 54311	Web

07/24/2020	Yes	Debt collection Credit card debt	Written notification about debt Didn't receive enough information to verify debt	CA 91504	Referral

07/23/2020	Yes	Credit card or prepaid card General-purpose credit card or charge card	Struggling to pay your bill Credit card company won't work with you while you're going through financial hardship	NY 10469	Postal mail

07/20/2020	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt is not yours	MI 48842	Phone	Older American, Servicemember

07/10/2020	Yes	Debt collection I do not know	False statements or representation Attempted to collect wrong amount	GA 30534	Phone	Older American

07/01/2020	Yes	Debt collection Other debt	Written notification about debt Didn't receive enough information to verify debt	TN 38109	Fax

07/01/2020	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt is not yours	DE 19808	Web

07/01/2020	Yes	Debt collection I do not know	Communication tactics You told them to stop contacting you, but they keep trying		Phone

06/29/2020	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Account status incorrect	GA 30135	Web

06/26/2020	Yes	Debt collection Other debt	Took or threatened to take negative or legal action Threatened to arrest you or take you to jail if you do not pay	CA 93003	Web

06/10/2020	Yes	Debt collection Other debt	Threatened to contact someone or share information improperly Contacted you after you asked them to stop	VA 23513	Web	Servicemember

05/27/2020	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt was paid		Phone

05/26/2020	Yes	Debt collection Auto debt	Attempts to collect debt not owed Debt was paid	CA 90201	Web

05/21/2020	Yes	Debt collection Other debt	Written notification about debt Didn't receive enough information to verify debt	CA 91344	Postal mail

05/11/2020	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Improper use of your report Credit inquiries on your report that you don't recognize	PA 15601	Postal mail

05/06/2020	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt was paid	IN 46280	Referral

04/24/2020	Yes	Debt collection Credit card debt	Written notification about debt Didn't receive enough information to verify debt	NM 87114	Phone

04/24/2020	Yes	Debt collection Federal student loan debt	Attempts to collect debt not owed Debt is not yours	CT 06519	Fax	Older American

04/20/2020	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt is not yours	CA 90039	Referral

04/04/2020	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	NY 11516	Web

03/29/2020	Yes	Debt collection Federal student loan debt	Took or threatened to take negative or legal action Seized or attempted to seize your property	NY 10533	Web

03/27/2020	Yes	Debt collection Federal student loan debt	Attempts to collect debt not owed Debt is not yours	CA 92102	Web

03/19/2020	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	CA 91770	Fax

03/17/2020	Yes	Debt collection Private student loan debt	Attempts to collect debt not owed Debt is not yours	CT 06519	Referral

03/12/2020	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt is not yours	HI 96817	Web

03/05/2020	Yes	Debt collection Other debt	False statements or representation Attempted to collect wrong amount		Phone	Servicemember

03/05/2020	Yes	Debt collection Auto debt	Attempts to collect debt not owed Debt is not yours	NH 03878	Referral

03/03/2020	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt is not yours	MD 21904	Web

03/03/2020	Yes	Debt collection Other debt	Written notification about debt Didn't receive enough information to verify debt	TX 77045	Referral

03/02/2020	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt was result of identity theft	TX 77433	Web	Servicemember

02/21/2020	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt was paid	CA 92308	Referral

02/17/2020	Yes	Debt collection Other debt	Communication tactics You told them to stop contacting you, but they keep trying	MI 48304	Web

02/14/2020	Yes	Debt collection Credit card debt	Communication tactics Frequent or repeated calls	PA 17601	Web

02/05/2020	Yes	Debt collection Credit card debt	Attempts to collect debt not owed Debt is not yours	SC 29621	Postal mail

01/24/2020	Yes	Debt collection Federal student loan debt	Threatened to contact someone or share information improperly Contacted your employer		Phone	Older American

01/13/2020	Yes	Debt collection Other debt	Written notification about debt Didn't receive enough information to verify debt	NY 10025	Postal mail

01/05/2020	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt is not yours	NC 27104	Web	Older American

12/06/2019	Yes	Debt collection Credit card debt	Written notification about debt Didn't receive notice of right to dispute	FL 33432	Referral

12/05/2019	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt is not yours	TN 38118	Fax

11/25/2019	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 60532	Phone

11/21/2019	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	SC 29150	Web	Servicemember

11/17/2019	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt was result of identity theft	NV 89052	Web

11/08/2019	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Personal information incorrect		Phone

11/05/2019	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt was paid	FL 33442	Referral

10/28/2019	Yes	Debt collection I do not know	Written notification about debt Didn't receive enough information to verify debt	FL 33428	Web

10/24/2019	Yes	Debt collection Credit card debt	Took or threatened to take negative or legal action Threatened or suggested your credit would be damaged	CA 93274	Web

10/20/2019	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt is not yours	CA 93536	Web

10/18/2019	Yes	Debt collection Other debt	Written notification about debt Didn't receive notice of right to dispute		Referral

10/16/2019	Yes	Debt collection Federal student loan debt	Threatened to contact someone or share information improperly Talked to a third-party about your debt	IL 60680	Web

10/09/2019	Yes	Debt collection I do not know	Written notification about debt Didn't receive enough information to verify debt	CA 95131	Postal mail

10/09/2019	Yes	Debt collection I do not know	Written notification about debt Didn't receive enough information to verify debt	CA 95131	Postal mail

10/08/2019	Yes	Debt collection Credit card debt	Attempts to collect debt not owed Debt is not yours	VA 23435	Web	Servicemember

10/01/2019	Yes	Debt collection Other debt	Written notification about debt Didn't receive enough information to verify debt	IN 46226	Referral

09/28/2019	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt was paid	AR 72944	Web

09/26/2019	Yes	Debt collection Other debt	False statements or representation Attempted to collect wrong amount	FL 33626	Web

09/19/2019	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt was result of identity theft	FL 33547	Web	Older American, Servicemember

09/18/2019	Yes	Debt collection Other debt	False statements or representation Attempted to collect wrong amount	CA 94558	Web	Servicemember

09/09/2019	Yes	Debt collection I do not know	Communication tactics Used obscene, profane, or other abusive language	DC 20020	Web

08/22/2019	Yes	Debt collection Other debt	Took or threatened to take negative or legal action Threatened to sue you for very old debt	CA 92118	Web

08/17/2019	Yes	Debt collection Auto debt	Attempts to collect debt not owed Debt was result of identity theft	CA 92376	Web	Servicemember

08/16/2019	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt is not yours	FL 33054	Web

08/13/2019	Yes	Debt collection Other debt	False statements or representation Attempted to collect wrong amount	NV 89423	Web

08/09/2019	Yes	Debt collection I do not know	Took or threatened to take negative or legal action Threatened to sue you for very old debt	IL 62223	Web

07/29/2019	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt was paid	NY 10025	Referral

07/18/2019	Yes	Debt collection Other debt	Took or threatened to take negative or legal action Threatened or suggested your credit would be damaged	NY 11412	Web

07/16/2019	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt was paid	AR 72944	Web

07/12/2019	Yes	Debt collection Federal student loan debt	Attempts to collect debt not owed Debt is not yours	TX 78201	Web

07/01/2019	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt was paid	IL 62234	Postal mail	Servicemember

07/01/2019	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt was paid	FL 33626	Referral

06/26/2019	Yes	Debt collection Private student loan debt	Attempts to collect debt not owed Debt was paid	AR 72944	Web

06/25/2019	Yes	Debt collection Credit card debt	Attempts to collect debt not owed Debt was result of identity theft	OH 45224	Web

06/25/2019	Yes	Debt collection I do not know	Communication tactics Frequent or repeated calls	PA 16148	Phone

06/20/2019	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt was paid	FL 33470	Web

06/17/2019	Yes	Debt collection Private student loan debt	False statements or representation Attempted to collect wrong amount	NE 68803	Web

06/14/2019	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt was paid	NJ 08021	Web

06/14/2019	Yes	Debt collection Credit card debt	Communication tactics Frequent or repeated calls	IN 46235	Web

06/12/2019	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt was result of identity theft	PA 15009	Web

06/03/2019	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt was paid	IL 60563	Phone

05/28/2019	Yes	Debt collection Other debt	Written notification about debt Didn't receive enough information to verify debt	MA 01776	Referral

05/23/2019	Yes	Debt collection I do not know	Took or threatened to take negative or legal action Threatened or suggested your credit would be damaged	TX 78216	Phone

05/15/2019	Yes	Checking or savings account Other banking product or service	Managing an account Problem making or receiving payments	NV 89015	Referral

05/13/2019	Yes	Debt collection Private student loan debt	False statements or representation Attempted to collect wrong amount		Phone

04/28/2019	Yes	Debt collection I do not know	Written notification about debt Notification didn't disclose it was an attempt to collect a debt	MI 48213	Web

04/22/2019	Yes	Debt collection Credit card debt	Threatened to contact someone or share information improperly Contacted your employer	CA 90304	Web

04/18/2019	Yes	Debt collection I do not know	Communication tactics Frequent or repeated calls	IL 60803	Web

04/15/2019	Yes	Debt collection Other debt	Took or threatened to take negative or legal action Threatened or suggested your credit would be damaged	OH 43229	Web

04/12/2019	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt is not yours	NJ 07644	Referral

04/12/2019	Yes	Debt collection Other debt	Written notification about debt Didn't receive notice of right to dispute	AZ 86314	Referral

04/09/2019	Yes	Debt collection I do not know	Written notification about debt Didn't receive enough information to verify debt	ME 04401	Referral

03/26/2019	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt was paid	MI 48158	Referral

03/25/2019	Yes	Debt collection Other debt	Written notification about debt Didn't receive enough information to verify debt		Phone

03/22/2019	Yes	Debt collection Other debt	Written notification about debt Didn't receive notice of right to dispute	KS 66442	Web	Servicemember

03/20/2019	Yes	Student loan Private student loan	Dealing with your lender or servicer Keep getting calls about your loan	FL 33578	Web

03/14/2019	Yes	Debt collection Credit card debt	Communication tactics Frequent or repeated calls	CT 06902	Web

03/09/2019	Yes	Debt collection Other debt	Written notification about debt Didn't receive notice of right to dispute	KS 66442	Web	Servicemember

03/07/2019	Yes	Debt collection Other debt	False statements or representation Attempted to collect wrong amount	FL 33020	Web

03/06/2019	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt was paid	CA 90275	Referral

02/13/2019	Yes	Debt collection Credit card debt	Attempts to collect debt not owed Debt is not yours	GA 31832	Phone	Older American

02/11/2019	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt is not yours	UT 84105	Web

02/08/2019	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Problem with a credit reporting company's investigation into an existing problem Difficulty submitting a dispute or getting information about a dispute over the phone	ME 04064	Web

02/04/2019	Yes	Debt collection I do not know	Communication tactics Frequent or repeated calls	FL 33414	Web	Servicemember

01/28/2019	Yes	Debt collection Credit card debt	Attempts to collect debt not owed Debt was paid	NJ 08753	Phone	Older American

01/23/2019	Yes	Student loan Private student loan	Dealing with your lender or servicer Trouble with how payments are being handled	CA 92860	Web

01/15/2019	Yes	Debt collection Other debt	Written notification about debt Didn't receive enough information to verify debt	CA 90043	Web

12/31/2018	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt is not yours	MO 64068	Referral

12/26/2018	Yes	Debt collection Credit card debt	Attempts to collect debt not owed Debt was result of identity theft	TX 78045	Web

12/07/2018	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt is not yours	CA 91776	Web

10/26/2018	Yes	Debt collection I do not know	Communication tactics Frequent or repeated calls	TX 75075	Web

10/19/2018	Yes	Student loan Federal student loan servicing	Dealing with your lender or servicer Don't agree with the fees charged	FL 32824	Web

10/19/2018	Yes	Debt collection Other debt	Written notification about debt Didn't receive enough information to verify debt	CA 90660	Web

10/16/2018	Yes	Debt collection Private student loan debt	False statements or representation Attempted to collect wrong amount	FL 32086	Referral

10/12/2018	Yes	Debt collection Federal student loan debt	Threatened to contact someone or share information improperly Contacted your employer	MA 02090	Web

10/09/2018	Yes	Debt collection Other debt	Communication tactics You told them to stop contacting you, but they keep trying	TX 75115	Web

10/04/2018	Yes	Debt collection Other debt	Written notification about debt Didn't receive notice of right to dispute	AZ 85301	Web

10/04/2018	Yes	Student loan Federal student loan servicing	Struggling to repay your loan Problem lowering your monthly payments	SC 29340	Fax

10/04/2018	Yes	Student loan Federal student loan servicing	Dealing with your lender or servicer Problem with customer service	IL 60654	Web

09/30/2018	Yes	Student loan Private student loan	Struggling to repay your loan Can't get other flexible options for repaying your loan	AZ 85142	Web

09/18/2018	Yes	Student loan Private student loan	Dealing with your lender or servicer Received bad information about your loan	TN 37167	Web

08/27/2018	Yes	Debt collection Medical debt	Communication tactics You told them to stop contacting you, but they keep trying		Phone

08/24/2018	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt is not yours	MD 20868	Web

08/22/2018	Yes	Debt collection Federal student loan debt	Took or threatened to take negative or legal action Collected or attempted to collect exempt funds		Referral

08/10/2018	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	NY 10708	Web

08/10/2018	Yes	Debt collection Other debt	False statements or representation Indicated you were committing crime by not paying debt	CA 90731	Web

08/06/2018	Yes	Debt collection I do not know	Written notification about debt Didn't receive enough information to verify debt	WY 82701	Referral

08/01/2018	Yes	Student loan Federal student loan servicing	Dealing with your lender or servicer Need information about your loan balance or loan terms	NV 89117	Postal mail

07/24/2018	Yes	Student loan Federal student loan servicing	Struggling to repay your loan Can't get other flexible options for repaying your loan	NJ 07020	Web

07/16/2018	Yes	Student loan Federal student loan servicing	Dealing with your lender or servicer Received bad information about your loan	VA 24112	Web

07/13/2018	Yes	Debt collection Credit card debt	Written notification about debt Didn't receive enough information to verify debt	DC 20001	Web

07/11/2018	Yes	Debt collection Credit card debt	Attempts to collect debt not owed Debt was paid	TX 76309	Web

06/29/2018	Yes	Debt collection I do not know	Threatened to contact someone or share information improperly Talked to a third-party about your debt	OH 45202	Web

06/27/2018	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt was result of identity theft	CA 92869	Web

06/26/2018	Yes	Debt collection Auto debt	Attempts to collect debt not owed Debt is not yours	MO 63366	Web

06/18/2018	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 Difficulty submitting a dispute or getting information about a dispute over the phone	CA 92223	Web	Servicemember

06/12/2018	Yes	Debt collection Other debt	Written notification about debt Didn't receive enough information to verify debt		Referral

05/31/2018	Yes	Debt collection I do not know	Written notification about debt Didn't receive enough information to verify debt	CA 93309	Postal mail

05/29/2018	Yes	Student loan Private student loan	Dealing with your lender or servicer Received bad information about your loan	PA 17603	Postal mail

05/25/2018	Yes	Debt collection Credit card debt	Communication tactics Frequent or repeated calls	NY 11385	Web

05/24/2018	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt is not yours	NY 11768	Web

05/09/2018	Yes	Credit card or prepaid card Store credit card	Closing your account Can't close your account	OH 44256	Referral

05/08/2018	Yes	Debt collection Private student loan debt	Communication tactics Frequent or repeated calls	NY 10473	Web

05/07/2018	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt was result of identity theft	FL 32571	Referral

04/26/2018	Yes	Student loan Federal student loan servicing	Dealing with your lender or servicer Trouble with how payments are being handled	OR 97045	Referral

04/24/2018	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt was paid	SD 57107	Fax

04/21/2018	Yes	Debt collection Federal student loan debt	Attempts to collect debt not owed Debt was result of identity theft	GA 30017	Web

04/20/2018	Yes	Debt collection Private student loan debt	Threatened to contact someone or share information improperly Talked to a third-party about your debt	VA 23111	Web

04/19/2018	Yes	Student loan Federal student loan servicing	Struggling to repay your loan Problem lowering your monthly payments	RI 02904	Web

04/18/2018	Yes	Debt collection Federal student loan debt	Attempts to collect debt not owed Debt was paid	NJ 08817	Referral

04/11/2018	Yes	Debt collection Federal student loan debt	Communication tactics Frequent or repeated calls	SD 57104	Postal mail

04/05/2018	Yes	Debt collection Credit card debt	Attempts to collect debt not owed Debt was result of identity theft	IL 60101	Postal mail

04/05/2018	Yes	Debt collection Credit card debt	Attempts to collect debt not owed Debt is not yours	NY 13035	Referral

04/02/2018	Yes	Student loan Federal student loan servicing	Struggling to repay your loan Problem lowering your monthly payments	MI 48081	Phone

04/02/2018	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt is not yours	IN 46613	Web

03/30/2018	Yes	Debt collection Federal student loan debt	Attempts to collect debt not owed Debt is not yours	NJ 08093	Web

03/29/2018	Yes	Debt collection Federal student loan debt	Communication tactics You told them to stop contacting you, but they keep trying	IL 60429	Web

03/29/2018	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt was paid	GA 30066	Referral

03/27/2018	Yes	Money transfer, virtual currency, or money service Debt settlement	Problem with customer service	OH 45224	Fax

03/24/2018	Yes	Debt collection Other debt	Written notification about debt Didn't receive enough information to verify debt	FL 32258	Web

03/23/2018	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt is not yours	NY 11105	Web

03/22/2018	Yes	Debt collection Credit card debt	False statements or representation Attempted to collect wrong amount	SC 29302	Web

03/22/2018	Yes	Debt collection I do not know	Written notification about debt Notification didn't disclose it was an attempt to collect a debt	NC 28215	Web

03/22/2018	Yes	Debt collection Other debt	Written notification about debt Didn't receive enough information to verify debt	TX 78541	Web

03/19/2018	Yes	Debt collection Federal student loan debt	False statements or representation Attempted to collect wrong amount	VA 23836	Referral

03/13/2018	Yes	Debt collection Auto debt	Written notification about debt Didn't receive enough information to verify debt	IL 60502	Referral

03/09/2018	Yes	Debt collection Other debt	Written notification about debt Didn't receive notice of right to dispute	AZ 85083	Web

03/06/2018	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt is not yours	NY 11218	Web

03/05/2018	Yes	Debt collection Credit card debt	Communication tactics Frequent or repeated calls	FL 34786	Web

03/02/2018	Yes	Debt collection Credit card debt	False statements or representation Attempted to collect wrong amount	NV 89031	Web	Servicemember

02/27/2018	Yes	Debt collection Other debt	Written notification about debt Didn't receive enough information to verify debt	MI 48125	Referral

02/26/2018	Yes	Debt collection I do not know	False statements or representation Attempted to collect wrong amount	CA 90212	Web

02/25/2018	Yes	Debt collection Federal student loan debt	Written notification about debt Notification didn't disclose it was an attempt to collect a debt	CA 94621	Web

02/20/2018	Yes	Debt collection Credit card debt	Written notification about debt Didn't receive enough information to verify debt	NC 28233	Referral

02/20/2018	Yes	Debt collection Credit card debt	Written notification about debt Didn't receive enough information to verify debt	NC 28233	Referral

02/16/2018	Yes	Debt collection Other debt	Communication tactics Frequent or repeated calls	TX 78006	Web

02/15/2018	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt is not yours	MI 48174	Web

02/14/2018	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt is not yours	CA 92835	Web

02/13/2018	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt is not yours	NY 11238	Web

02/13/2018	Yes	Debt collection Other debt	Threatened to contact someone or share information improperly Talked to a third-party about your debt	GA 30310	Referral

02/13/2018	Yes	Student loan Federal student loan servicing	Dealing with your lender or servicer Trouble with how payments are being handled	FL 33433	Web

02/08/2018	Yes	Debt collection Credit card debt	Attempts to collect debt not owed Debt was paid	TX 78744	Web

02/06/2018	Yes	Student loan Federal student loan servicing	Struggling to repay your loan Problem lowering your monthly payments	AR 72046	Referral

01/30/2018	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt is not yours		Referral

01/30/2018	Yes	Credit card or prepaid card Store credit card	Struggling to pay your bill Credit card company won't work with you while you're going through financial hardship	CA 93103	Web

01/29/2018	Yes	Debt collection Credit card debt	Written notification about debt Didn't receive notice of right to dispute	NY 10016	Phone

01/29/2018	Yes	Debt collection Credit card debt	Communication tactics You told them to stop contacting you, but they keep trying	CA 93463	Web

01/27/2018	Yes	Debt collection Credit card debt	Threatened to contact someone or share information improperly Talked to a third-party about your debt	OH 44720	Web	Servicemember

01/25/2018	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Account information incorrect	DC 20500	Web

01/10/2018	Yes	Debt collection Other debt	Communication tactics Frequent or repeated calls	FL 33993	Referral

01/09/2018	Yes	Money transfer, virtual currency, or money service Debt settlement	Fraud or scam	ID 83445	Referral

01/08/2018	Yes	Student loan Federal student loan servicing	Struggling to repay your loan Can't get other flexible options for repaying your loan	NJ 07828	Web	Older American

01/04/2018	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Account status incorrect	TX 75791	Web

12/31/2017	Yes	Debt collection Credit card debt	Attempts to collect debt not owed Debt was already discharged in bankruptcy and is no longer owed	HI 96822	Web

12/18/2017	Yes	Debt collection Credit card debt	Attempts to collect debt not owed Debt is not yours	NJ 07310	Web

12/13/2017	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt is not yours	TX 78751	Web

12/12/2017	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt is not yours	FL 337XX	Web

12/12/2017	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt was paid	HI 96813	Referral

12/11/2017	Yes	Debt collection Credit card debt	Written notification about debt Didn't receive notice of right to dispute	WV 26847	Postal mail

12/08/2017	Yes	Debt collection Other debt	Written notification about debt Didn't receive notice of right to dispute	NY 10901	Web

12/06/2017	Yes	Debt collection Other debt	Written notification about debt Didn't receive enough information to verify debt	CA 95811	Referral

12/05/2017	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt is not yours	MI 48313	Web

11/21/2017	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Account status incorrect	GA 30349	Fax

11/16/2017	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt is not yours	TX 75233	Web	Servicemember

11/09/2017	Yes	Debt collection Credit card debt	Communication tactics You told them to stop contacting you, but they keep trying	TX 77346	Web

10/26/2017	Yes	Debt collection Federal student loan debt	Communication tactics Frequent or repeated calls	NC 27804	Phone

10/26/2017	Yes	Student loan Federal student loan servicing	Struggling to repay your loan Problem lowering your monthly payments	CA 94585	Web	Older American

10/19/2017	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt was paid	SC 29707	Web

10/11/2017	Yes	Debt collection I do not know	Communication tactics Frequent or repeated calls	TX 75211	Phone

09/27/2017	Yes	Debt collection I do not know	Written notification about debt Didn't receive enough information to verify debt	CA 95370	Referral

09/26/2017	Yes	Debt collection Other debt	Communication tactics Frequent or repeated calls	MA 02568	Postal mail

09/26/2017	Yes	Student loan Federal student loan servicing	Dealing with your lender or servicer Need information about your loan balance or loan terms	TX 79124	Phone

09/19/2017	Yes	Debt collection Federal student loan debt	Attempts to collect debt not owed Debt is not yours	CA 90064	Postal mail

09/13/2017	Yes	Student loan Federal student loan servicing	Dealing with your lender or servicer Received bad information about your loan	OH 43215	Web

09/12/2017	Yes	Debt collection Other debt	Written notification about debt Didn't receive notice of right to dispute		Phone

09/08/2017	Yes	Student loan Federal student loan servicing	Dealing with your lender or servicer Received bad information about your loan	MA 01030	Web

09/07/2017	Yes	Debt collection Private student loan debt	Written notification about debt Didn't receive enough information to verify debt	NV 89107	Web

08/31/2017	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt is not yours	CA 95945	Postal mail

08/30/2017	Yes	Debt collection Other debt	Took or threatened to take negative or legal action Threatened or suggested your credit would be damaged	NY 12110	Web

08/10/2017	Yes	Debt collection Federal student loan debt	Threatened to contact someone or share information improperly Contacted your employer	ME 04330	Web

08/08/2017	Yes	Debt collection Federal student loan debt	Written notification about debt Didn't receive notice of right to dispute	NE 68803	Web

08/08/2017	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt was already discharged in bankruptcy and is no longer owed	CO 80433	Referral	Servicemember

08/07/2017	Yes	Debt collection I do not know	Written notification about debt Didn't receive enough information to verify debt	WV 26330	Web

07/31/2017	Yes	Student loan Private student loan	Struggling to repay your loan Can't temporarily delay making payments	PA 19464	Web

07/27/2017	Yes	Debt collection I do not know	Communication tactics Frequent or repeated calls	ME 03909	Web	Servicemember

07/26/2017	Yes	Debt collection Credit card debt	Threatened to contact someone or share information improperly Contacted your employer	CA 92103	Web

07/25/2017	Yes	Debt collection I do not know	Written notification about debt Didn't receive enough information to verify debt	IA 52402	Postal mail

07/24/2017	Yes	Debt collection Federal student loan debt	Attempts to collect debt not owed Debt was paid	MA 01030	Web

07/21/2017	Yes	Debt collection Federal student loan debt	Attempts to collect debt not owed Debt was paid	MI 48161	Phone

07/21/2017	Yes	Debt collection Credit card debt	Attempts to collect debt not owed Debt was already discharged in bankruptcy and is no longer owed	AZ 85704	Referral

07/20/2017	Yes	Debt collection Private student loan debt	Attempts to collect debt not owed Debt was paid	LA 71291	Postal mail

07/17/2017	Yes	Debt collection Other debt	Written notification about debt Didn't receive enough information to verify debt	CA 90745	Web

07/11/2017	Yes	Debt collection Other debt	Communication tactics Frequent or repeated calls	OR 97411	Referral

06/27/2017	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt is not yours	NY 11201	Postal mail

06/25/2017	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt was paid	CA 94541	Web

06/21/2017	Yes	Debt collection Federal student loan debt	Attempts to collect debt not owed Debt is not yours	TX 77026	Postal mail

06/16/2017	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Improper use of your report Reporting company used your report improperly	CA 95835	Web

06/14/2017	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Account status incorrect	TX 78747	Web

06/13/2017	Yes	Debt collection Credit card debt	False statements or representation Attempted to collect wrong amount	PA 19166	Phone

06/07/2017	Yes	Debt collection Federal student loan debt	Attempts to collect debt not owed Debt was paid	OH 43938	Postal mail

06/07/2017	Yes	Debt collection I do not know	Communication tactics Frequent or repeated calls		Phone

06/07/2017	Yes	Student loan Federal student loan servicing	Dealing with your lender or servicer Received bad information about your loan	NC 28205	Web

05/31/2017	Yes	Debt collection Other debt	False statements or representation Attempted to collect wrong amount	CA 93905	Web

05/31/2017	Yes	Debt collection Credit card debt	Attempts to collect debt not owed Debt was paid	NY 11730	Web

05/26/2017	Yes	Student loan Federal student loan servicing	Dealing with your lender or servicer Don't agree with the fees charged	NY 11205	Phone

05/26/2017	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Account information incorrect		Phone

05/25/2017	Yes	Debt collection I do not know	Communication tactics You told them to stop contacting you, but they keep trying	TX 78726	Web

05/10/2017	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt is not yours	FL 33458	Web

05/09/2017	Yes	Student loan Federal student loan servicing	Dealing with your lender or servicer Trouble with how payments are being handled	TX 79072	Phone

05/09/2017	Yes	Debt collection Other debt	Written notification about debt Didn't receive notice of right to dispute	CT 06705	Phone

05/05/2017	Yes	Debt collection Other debt	Written notification about debt Didn't receive enough information to verify debt	NJ 07079	Web

05/02/2017	Yes	Debt collection Other debt	False statements or representation Attempted to collect wrong amount	CA 95667	Web

05/01/2017	Yes	Debt collection Credit card debt	Attempts to collect debt not owed Debt was paid	CA 93109	Phone

04/19/2017	Yes	Debt collection Other (i.e. phone, health club, etc.)	False statements or representation Attempted to collect wrong amount	WI 53158	Web

04/17/2017	Yes	Debt collection Other (i.e. phone, health club, etc.)	Disclosure verification of debt Right to dispute notice not received	CA 95023	Web

04/17/2017	Yes	Student loan Federal student loan servicing	Dealing with my lender or servicer Received bad information about my loan	LA 70380	Web

04/13/2017	Yes	Credit reporting	Incorrect information on credit report Account status	CA 93301	Web

04/12/2017	Yes	Debt collection Federal student loan	Communication tactics Used obscene/profane/abusive language	NJ 07721	Web

04/11/2017	Yes	Debt collection Other (i.e. phone, health club, etc.)	Cont'd attempts collect debt not owed Debt is not mine	DC 20011	Web

04/09/2017	Yes	Student loan Federal student loan servicing	Dealing with my lender or servicer Having problems with customer service	GA 30187	Web

04/08/2017	Yes	Debt collection I do not know	Cont'd attempts collect debt not owed Debt is not mine	CA 90006	Web

04/07/2017	Yes	Debt collection Credit card	Improper contact or sharing of info Contacted employer after asked not to	KS 66062	Web

04/05/2017	Yes	Debt collection Other (i.e. phone, health club, etc.)	Cont'd attempts collect debt not owed Debt is not mine	CO 80015	Web

04/04/2017	Yes	Student loan Federal student loan servicing	Can't repay my loan Can't decrease my monthly payments	DE 19973	Web

03/29/2017	Yes	Debt collection Credit card	Communication tactics Frequent or repeated calls	CA 92663	Web

03/29/2017	Yes	Debt collection Credit card	Improper contact or sharing of info Talked to a third party about my debt	TX 75206	Web

03/29/2017	Yes	Student loan Federal student loan servicing	Dealing with my lender or servicer Having problems with customer service	NY 10031	Web

03/29/2017	Yes	Student loan Federal student loan servicing	Dealing with my lender or servicer Received bad information about my loan	GA 30067	Web

03/28/2017	Yes	Debt collection Federal student loan	False statements or representation Attempted to collect wrong amount	MI 48237	Postal mail

03/27/2017	Yes	Debt collection Other (i.e. phone, health club, etc.)	Disclosure verification of debt Not given enough info to verify debt	CT 06482	Referral

03/24/2017	Yes	Debt collection Credit card	Improper contact or sharing of info Talked to a third party about my debt	AL 35235	Web

03/23/2017	Yes	Debt collection Federal student loan	Improper contact or sharing of info Talked to a third party about my debt	WI 53227	Web

03/22/2017	Yes	Debt collection Credit card	Cont'd attempts collect debt not owed Debt is not mine	TX 78063	Phone

03/20/2017	Yes	Student loan Federal student loan servicing	Dealing with my lender or servicer Received bad information about my loan	MD 20735	Web

03/10/2017	Yes	Debt collection Other (i.e. phone, health club, etc.)	Taking/threatening an illegal action Attempted to/Collected exempt funds	PA 15679	Web

03/10/2017	Yes	Debt collection I do not know	Improper contact or sharing of info Contacted employer after asked not to	TX 78681	Web

03/10/2017	Yes	Debt collection Federal student loan	Cont'd attempts collect debt not owed Debt is not mine	GA 30253	Web

03/10/2017	Yes	Student loan Non-federal student loan	Can't repay my loan Can't get flexible payment options	FL 33050	Referral

03/08/2017	Yes	Student loan Federal student loan servicing	Can't repay my loan Can't get flexible payment options	MI 49509	Web

03/06/2017	Yes	Credit reporting	Improper use of my credit report Report improperly shared by CRC	ND 58601	Web

02/26/2017	Yes	Debt collection Federal student loan	Communication tactics Frequent or repeated calls	MO 64055	Web

02/24/2017	Yes	Debt collection Federal student loan	Communication tactics Frequent or repeated calls	SC 29230	Referral

02/24/2017	Yes	Debt collection Credit card	Cont'd attempts collect debt not owed Debt is not mine	FL 34990	Postal mail

02/23/2017	Yes	Debt collection Other (i.e. phone, health club, etc.)	Cont'd attempts collect debt not owed Debt was discharged in bankruptcy	TX 76049	Web	Servicemember

02/23/2017	Yes	Credit reporting	Incorrect information on credit report Account status	WA 98251	Fax

02/21/2017	Yes	Debt collection I do not know	Communication tactics Frequent or repeated calls	MD 20910	Web

02/13/2017	Yes	Credit reporting	Incorrect information on credit report Public record	TN 38118	Web

02/12/2017	Yes	Debt collection I do not know	Cont'd attempts collect debt not owed Debt resulted from identity theft	FL 33991	Web	Older American

02/02/2017	Yes	Student loan Federal student loan servicing	Dealing with my lender or servicer Trouble with how payments are handled	TX 76105	Postal mail

01/26/2017	Yes	Credit reporting	Incorrect information on credit report Reinserted previously deleted info	LA 70633	Web

01/26/2017	Yes	Debt collection Federal student loan	Improper contact or sharing of info Talked to a third party about my debt	CA 94931	Web

01/25/2017	Yes	Student loan Federal student loan servicing	Dealing with my lender or servicer Don't agree with fees charged	NC 27127	Postal mail

01/24/2017	Yes	Student loan Federal student loan servicing	Dealing with my lender or servicer Trouble with how payments are handled	NE 68022	Web	Older American

01/19/2017	Yes	Student loan Federal student loan servicing	Dealing with my lender or servicer Having problems with customer service	KY 40218	Web

01/17/2017	Yes	Debt collection Other (i.e. phone, health club, etc.)	Cont'd attempts collect debt not owed Debt is not mine	DC 20019	Phone

01/10/2017	Yes	Debt collection Federal student loan	Improper contact or sharing of info Contacted employer after asked not to	GA 30030	Web

01/10/2017	Yes	Debt collection Other (i.e. phone, health club, etc.)	Cont'd attempts collect debt not owed Debt was paid	TN 37190	Web

12/29/2016	Yes	Debt collection Federal student loan	Disclosure verification of debt Right to dispute notice not received	DC 20003	Web

12/28/2016	Yes	Debt collection Credit card	Improper contact or sharing of info Talked to a third party about my debt	MN 55082	Web

12/27/2016	Yes	Debt collection I do not know	Disclosure verification of debt Right to dispute notice not received	NY 10462	Fax

12/21/2016	Yes	Debt collection Other (i.e. phone, health club, etc.)	Improper contact or sharing of info Talked to a third party about my debt	VA 23320	Web	Servicemember

12/16/2016	Yes	Debt collection Other (i.e. phone, health club, etc.)	Communication tactics Frequent or repeated calls	MI 64505	Web

12/12/2016	Yes	Debt collection Credit card	Disclosure verification of debt Right to dispute notice not received	NJ 07010	Web

12/06/2016	Yes	Student loan Federal student loan servicing	Dealing with my lender or servicer Received bad information about my loan	KS 662XX	Web

12/04/2016	Yes	Debt collection I do not know	Improper contact or sharing of info Contacted employer after asked not to	TX 77396	Web

11/18/2016	Yes	Debt collection Credit card	Communication tactics Called after sent written cease of comm	IL 60103	Web

11/17/2016	Yes	Debt collection I do not know	Communication tactics Frequent or repeated calls	CO 80232	Web

11/16/2016	Yes	Student loan Federal student loan servicing	Dealing with my lender or servicer Received bad information about my loan	CA 93004	Web	Older American

11/16/2016	Yes	Debt collection Federal student loan	Cont'd attempts collect debt not owed Debt was paid	TN 37031	Referral	Older American

11/05/2016	Yes	Debt collection Other (i.e. phone, health club, etc.)	Improper contact or sharing of info Talked to a third party about my debt	GA 30252	Web

10/26/2016	Yes	Student loan Federal student loan servicing	Dealing with my lender or servicer Keep getting calls about my loan	FL 32810	Web

10/22/2016	Yes	Student loan Federal student loan servicing	Dealing with my lender or servicer Keep getting calls about my loan	TX 79424	Web

10/21/2016	Yes	Debt collection Other (i.e. phone, health club, etc.)	Communication tactics Frequent or repeated calls	MI 48747	Web

10/13/2016	Yes	Debt collection Other (i.e. phone, health club, etc.)	Cont'd attempts collect debt not owed Debt was paid	VA 23223	Postal mail

10/13/2016	Yes	Debt collection Non-federal student loan	Taking/threatening an illegal action Sued w/o proper notification of suit	NY 11434	Phone

10/07/2016	Yes	Student loan Federal student loan servicing	Dealing with my lender or servicer Trouble with how payments are handled	LA 70452	Web

10/04/2016	Yes	Debt collection Other (i.e. phone, health club, etc.)	Disclosure verification of debt Not given enough info to verify debt	NY 10031	Fax

09/30/2016	Yes	Debt collection Federal student loan	Disclosure verification of debt Not given enough info to verify debt	TX 75238	Postal mail

09/21/2016	Yes	Debt collection Other (i.e. phone, health club, etc.)	Cont'd attempts collect debt not owed Debt was paid	GA 30034	Phone

09/16/2016	Yes	Debt collection Other (i.e. phone, health club, etc.)	False statements or representation Attempted to collect wrong amount	CA 93292	Web

09/14/2016	Yes	Debt collection Other (i.e. phone, health club, etc.)	Cont'd attempts collect debt not owed Debt was paid	KY 40360	Web

09/13/2016	Yes	Debt collection Other (i.e. phone, health club, etc.)	Taking/threatening an illegal action Threatened arrest/jail if do not pay	CA 91030	Web

09/06/2016	Yes	Debt collection Other (i.e. phone, health club, etc.)	Disclosure verification of debt Not given enough info to verify debt	IL 60302	Fax

09/01/2016	Yes	Debt collection Other (i.e. phone, health club, etc.)	Cont'd attempts collect debt not owed Debt is not mine	FL 33993	Postal mail	Older American

08/31/2016	Yes	Debt collection Credit card	Communication tactics Frequent or repeated calls	ID 83816	Web

08/27/2016	Yes	Student loan Non-federal student loan	Dealing with my lender or servicer Need information about my balance/terms	NY 11229	Web

08/25/2016	Yes	Student loan Federal student loan servicing	Dealing with my lender or servicer Keep getting calls about my loan	NJ 08862	Web

08/16/2016	Yes	Debt collection Other (i.e. phone, health club, etc.)	Cont'd attempts collect debt not owed Debt was paid	CA 92836	Referral

08/11/2016	Yes	Debt collection Other (i.e. phone, health club, etc.)	Disclosure verification of debt Right to dispute notice not received	FL 32763	Web

08/11/2016	Yes	Debt collection I do not know	Cont'd attempts collect debt not owed Debt is not mine	TX 78724	Referral

08/10/2016	Yes	Student loan Federal student loan servicing	Dealing with my lender or servicer Having problems with customer service	WA 98023	Web

08/08/2016	Yes	Debt collection Federal student loan	Improper contact or sharing of info Contacted me after I asked not to	MA 01030	Web

07/29/2016	Yes	Debt collection I do not know	Communication tactics Threatened to take legal action	FL 33142	Web

07/28/2016	Yes	Student loan Federal student loan servicing	Dealing with my lender or servicer Trouble with how payments are handled	NY 10705	Postal mail

07/27/2016	Yes	Debt collection Non-federal student loan	Communication tactics Used obscene/profane/abusive language	VA 22401	Web

07/25/2016	Yes	Student loan Federal student loan servicing	Dealing with my lender or servicer Don't agree with fees charged	CA 95831	Web

07/19/2016	Yes	Debt collection I do not know	Disclosure verification of debt Not given enough info to verify debt	CA 93561	Web

07/13/2016	Yes	Debt collection Non-federal student loan	Communication tactics Frequent or repeated calls	MO 64118	Postal mail

07/12/2016	Yes	Debt collection I do not know	False statements or representation Attempted to collect wrong amount	IL 60016	Web

07/07/2016	Yes	Debt collection Other (i.e. phone, health club, etc.)	Communication tactics Frequent or repeated calls	FL 33912	Web

06/27/2016	Yes	Student loan Federal student loan servicing	Dealing with my lender or servicer Don't agree with fees charged	CA 93003	Web

06/20/2016	Yes	Debt collection Other (i.e. phone, health club, etc.)	Cont'd attempts collect debt not owed Debt is not mine	NY 10035	Web

06/14/2016	Yes	Debt collection Credit card	Disclosure verification of debt Not given enough info to verify debt	NY 10469	Fax

06/13/2016	Yes	Debt collection Other (i.e. phone, health club, etc.)	Cont'd attempts collect debt not owed Debt resulted from identity theft	MD 20602	Web

06/08/2016	Yes	Student loan Federal student loan servicing	Can't repay my loan Can't temporarily postpone payments	NY 12477	Web

06/01/2016	Yes	Student loan Non-federal student loan	Dealing with my lender or servicer Don't agree with fees charged	PA 15223	Web

05/19/2016	Yes	Debt collection I do not know	Disclosure verification of debt Right to dispute notice not received	GA 30019	Web

05/19/2016	Yes	Debt collection I do not know	Cont'd attempts collect debt not owed Debt is not mine	GA 31404	Web

05/11/2016	Yes	Debt collection Credit card	Cont'd attempts collect debt not owed Debt resulted from identity theft	IN 46403	Web	Older American, Servicemember

05/05/2016	Yes	Debt collection Credit card	Cont'd attempts collect debt not owed Debt is not mine	CA 94117	Web

05/04/2016	Yes	Student loan Federal student loan servicing	Dealing with my lender or servicer Trouble with how payments are handled	LA 70452	Web

04/28/2016	Yes	Student loan Non-federal student loan	Dealing with my lender or servicer Received bad information about my loan	OH 44107	Web

04/27/2016	Yes	Student loan Federal student loan servicing	Dealing with my lender or servicer Keep getting calls about my loan	CA 94117	Web

04/26/2016	Yes	Debt collection Other (i.e. phone, health club, etc.)	False statements or representation Attempted to collect wrong amount	MT 59405	Phone	Servicemember

04/23/2016	Yes	Debt collection Other (i.e. phone, health club, etc.)	Improper contact or sharing of info Contacted me after I asked not to	FL 33971	Web

04/18/2016	Yes	Debt collection Other (i.e. phone, health club, etc.)	False statements or representation Attempted to collect wrong amount	CA 90043	Web

04/18/2016	Yes	Debt collection Credit card	Cont'd attempts collect debt not owed Debt resulted from identity theft	MO 63011	Web	Servicemember

04/18/2016	Yes	Debt collection Non-federal student loan	Communication tactics Frequent or repeated calls	CA 91604	Fax	Servicemember

04/04/2016	Yes	Student loan Federal student loan servicing	Can't repay my loan Can't get flexible payment options	MI 48310	Phone

04/02/2016	Yes	Student loan Federal student loan servicing	Dealing with my lender or servicer Don't agree with fees charged	PA 19148	Web

03/30/2016	Yes	Debt collection Other (i.e. phone, health club, etc.)	Cont'd attempts collect debt not owed Debt was paid	CA 90604	Web

03/23/2016	Yes	Debt collection Other (i.e. phone, health club, etc.)	Cont'd attempts collect debt not owed Debt is not mine	GA 30044	Phone

03/10/2016	Yes	Student loan Non-federal student loan	Dealing with my lender or servicer Received bad information about my loan	NC 27614	Web

03/09/2016	Yes	Debt collection Credit card	Cont'd attempts collect debt not owed Debt is not mine	PA 18102	Postal mail

03/09/2016	Yes	Student loan Federal student loan servicing	Dealing with my lender or servicer Received bad information about my loan	DC 20002	Web

03/02/2016	Yes	Debt collection Other (i.e. phone, health club, etc.)	Taking/threatening an illegal action Sued w/o proper notification of suit	NJ 07076	Referral

03/01/2016	Yes	Debt collection I do not know	Cont'd attempts collect debt not owed Debt is not mine	WA 98102	Web

03/01/2016	Yes	Debt collection Credit card	Improper contact or sharing of info Talked to a third party about my debt	VA 23116	Web

02/29/2016	Yes	Student loan Federal student loan servicing	Dealing with my lender or servicer Trouble with how payments are handled	NY 11418	Web

02/29/2016	Yes	Consumer Loan Installment loan	Problems when you are unable to pay	UT 84117	Web

02/26/2016	Yes	Student loan Federal student loan servicing	Dealing with my lender or servicer Keep getting calls about my loan	MI 48198	Phone

02/25/2016	Yes	Debt collection Credit card	Communication tactics Frequent or repeated calls	WI 54437	Web

02/24/2016	Yes	Debt collection Federal student loan	Cont'd attempts collect debt not owed Debt was paid	VA 23462	Referral	Servicemember

02/17/2016	Yes	Debt collection Federal student loan	Communication tactics Frequent or repeated calls	NY 11558	Phone

02/11/2016	Yes	Debt collection Federal student loan	Communication tactics Threatened to take legal action	CA 91406	Web

02/11/2016	Yes	Debt collection Credit card	Communication tactics Frequent or repeated calls	FL 32825	Web	Servicemember

01/29/2016	Yes	Debt collection Credit card	Improper contact or sharing of info Talked to a third party about my debt	NC 27803	Web

01/28/2016	Yes	Debt collection Federal student loan	Improper contact or sharing of info Contacted employer after asked not to	GA 30265	Web

01/14/2016	Yes	Debt collection Other (i.e. phone, health club, etc.)	Cont'd attempts collect debt not owed Debt is not mine	CA 95054	Web

01/04/2016	Yes	Debt collection Other (i.e. phone, health club, etc.)	Cont'd attempts collect debt not owed Debt is not mine	PA 15210	Web	Older American

12/30/2015	Yes	Debt collection Credit card	Communication tactics Frequent or repeated calls	IL 60048	Postal mail

12/22/2015	Yes	Debt collection Other (i.e. phone, health club, etc.)	Cont'd attempts collect debt not owed Debt is not mine	NY 10704	Web

12/17/2015	Yes	Debt collection Federal student loan	Cont'd attempts collect debt not owed Debt is not mine	MO 63136	Web

12/15/2015	Yes	Debt collection I do not know	Improper contact or sharing of info Talked to a third party about my debt	FL 33023	Web

11/30/2015	Yes	Debt collection Other (i.e. phone, health club, etc.)	Cont'd attempts collect debt not owed Debt was paid	CA 95758	Web	Older American

11/24/2015	Yes	Debt collection Other (i.e. phone, health club, etc.)	Communication tactics Frequent or repeated calls	NY 10543	Postal mail

11/20/2015	Yes	Debt collection Credit card	Cont'd attempts collect debt not owed Debt is not mine	NY 10033	Web

11/18/2015	Yes	Consumer Loan Installment loan	Problems when you are unable to pay	CA 92019	Web

11/15/2015	Yes	Debt collection Federal student loan	Cont'd attempts collect debt not owed Debt was paid	NY 14620	Web

11/09/2015	Yes	Debt collection Other (i.e. phone, health club, etc.)	Disclosure verification of debt Not given enough info to verify debt	TX 76135	Web

11/09/2015	Yes	Debt collection Credit card	Communication tactics Called after sent written cease of comm	IN 46514	Web

11/09/2015	Yes	Debt collection Other (i.e. phone, health club, etc.)	Cont'd attempts collect debt not owed Debt is not mine	CA 94534	Phone	Older American

11/09/2015	Yes	Credit reporting	Incorrect information on credit report Account status	NE 68111	Postal mail	Older American

11/06/2015	Yes	Debt collection Federal student loan	Disclosure verification of debt Not given enough info to verify debt	TX 75011	Postal mail

11/05/2015	Yes	Debt collection Other (i.e. phone, health club, etc.)	Cont'd attempts collect debt not owed Debt was paid	OH 43130	Web

10/28/2015	Yes	Debt collection Other (i.e. phone, health club, etc.)	False statements or representation Attempted to collect wrong amount	CA 90001	Phone

10/20/2015	Yes	Debt collection Federal student loan	Cont'd attempts collect debt not owed Debt is not mine	TX 79904	Postal mail

10/14/2015	Yes	Consumer Loan Vehicle loan	Managing the loan or lease	MD 21222	Phone	Older American, Servicemember

09/25/2015	Yes	Debt collection Federal student loan	Cont'd attempts collect debt not owed Debt was paid	TX 77089	Web

09/25/2015	Yes	Debt collection Other (i.e. phone, health club, etc.)	False statements or representation Attempted to collect wrong amount	VA 22182	Web	Older American

09/24/2015	Yes	Debt collection I do not know	Cont'd attempts collect debt not owed Debt is not mine	MO 63654	Web

09/23/2015	Yes	Debt collection Other (i.e. phone, health club, etc.)	False statements or representation Impersonated an attorney or official	CA 91801	Web

09/11/2015	Yes	Debt collection Non-federal student loan	False statements or representation Impersonated an attorney or official	NJ 07010	Web

09/01/2015	Yes	Debt collection Other (i.e. phone, health club, etc.)	Cont'd attempts collect debt not owed Debt is not mine	CA 95670	Phone

08/29/2015	Yes	Debt collection I do not know	Disclosure verification of debt Not disclosed as an attempt to collect	CA 91016	Web

08/28/2015	Yes	Debt collection Other (i.e. phone, health club, etc.)	Cont'd attempts collect debt not owed Debt is not mine	VA 23066	Referral

08/28/2015	Yes	Student loan Non-federal student loan	Dealing with my lender or servicer Don't agree with fees charged	MD 20850	Web

08/24/2015	Yes	Debt collection Other (i.e. phone, health club, etc.)	False statements or representation Impersonated an attorney or official	CA 92868	Web

08/22/2015	Yes	Debt collection I do not know	Disclosure verification of debt Not disclosed as an attempt to collect	MD 20814	Web

08/17/2015	Yes	Debt collection Auto	Communication tactics Used obscene/profane/abusive language	CA 91326	Web

08/14/2015	Yes	Debt collection Other (i.e. phone, health club, etc.)	Cont'd attempts collect debt not owed Debt is not mine	IA 50266	Web

08/05/2015	Yes	Debt collection Other (i.e. phone, health club, etc.)	Cont'd attempts collect debt not owed Debt is not mine	NY 11225	Web

08/04/2015	Yes	Debt collection Other (i.e. phone, health club, etc.)	Cont'd attempts collect debt not owed Debt is not mine	MO 63005	Fax

07/30/2015	Yes	Debt collection Other (i.e. phone, health club, etc.)	Cont'd attempts collect debt not owed Debt was paid	CA 93723	Web

07/28/2015	Yes	Debt collection Federal student loan	Improper contact or sharing of info Contacted employer after asked not to	CA 91754	Web

07/20/2015	Yes	Debt collection Federal student loan	False statements or representation Attempted to collect wrong amount	OK 73099	Web	Servicemember

07/18/2015	Yes	Debt collection Other (i.e. phone, health club, etc.)	Taking/threatening an illegal action Sued where didn't live/sign for debt	CA 90305	Web

07/08/2015	Yes	Debt collection Other (i.e. phone, health club, etc.)	Cont'd attempts collect debt not owed Debt is not mine	WV 26753	Phone	Older American, Servicemember

06/25/2015	Yes	Debt collection Other (i.e. phone, health club, etc.)	False statements or representation Impersonated an attorney or official	CA 91801	Web

06/18/2015	Yes	Debt collection Credit card	Improper contact or sharing of info Contacted employer after asked not to	MA 02343	Web

06/15/2015	Yes	Debt collection Federal student loan	Taking/threatening an illegal action Attempted to/Collected exempt funds	OH 44107	Phone	Servicemember

06/12/2015	Yes	Debt collection I do not know	Communication tactics Frequent or repeated calls	CA 91302	Web

06/03/2015	Yes	Debt collection Federal student loan	Improper contact or sharing of info Contacted employer after asked not to	TX XXXXX	Web

05/28/2015	Yes	Debt collection I do not know	Communication tactics Frequent or repeated calls	NM 87120	Web

05/22/2015	Yes	Debt collection Other (i.e. phone, health club, etc.)	Communication tactics Frequent or repeated calls	CA 90061	Postal mail

05/18/2015	Yes	Debt collection Federal student loan	Taking/threatening an illegal action Sued w/o proper notification of suit	CT 06133	Referral

05/14/2015	Yes	Debt collection Other (i.e. phone, health club, etc.)	Disclosure verification of debt Not given enough info to verify debt	CA 91335	Web

04/24/2015	Yes	Debt collection Other (i.e. phone, health club, etc.)	Cont'd attempts collect debt not owed Debt is not mine	CA 95134	Phone

04/17/2015	Yes	Debt collection I do not know	Communication tactics Frequent or repeated calls	NC 27890	Phone

04/13/2015	Yes	Debt collection Other (i.e. phone, health club, etc.)	Cont'd attempts collect debt not owed Debt is not mine	TX 77064	Phone	Older American

04/12/2015	Yes	Debt collection Credit card	Communication tactics Frequent or repeated calls	NC 28314	Web	Servicemember

04/07/2015	Yes	Debt collection I do not know	Communication tactics Frequent or repeated calls	VA 23842	Web

04/04/2015	Yes	Debt collection Federal student loan	Cont'd attempts collect debt not owed Debt is not mine	VA 23059	Web

03/30/2015	Yes	Debt collection Other (i.e. phone, health club, etc.)	Communication tactics Threatened to take legal action	CA 91362	Fax	Older American, Servicemember

03/27/2015	Yes	Debt collection Other (i.e. phone, health club, etc.)	Disclosure verification of debt Not given enough info to verify debt	OH 43062	Web

03/24/2015	Yes	Debt collection Federal student loan	Communication tactics Frequent or repeated calls	CA 91316	Postal mail

03/12/2015	Yes	Debt collection Credit card	Disclosure verification of debt Not given enough info to verify debt	CT 06029	Web

03/11/2015	Yes	Debt collection Federal student loan	False statements or representation Attempted to collect wrong amount	TX 79107	Web

03/10/2015	Yes	Debt collection Federal student loan	Improper contact or sharing of info Contacted me after I asked not to	CO 80210	Web

03/10/2015	Yes	Debt collection Credit card	Communication tactics Frequent or repeated calls	CA 95826	Web

03/09/2015	Yes	Debt collection Auto	Communication tactics Frequent or repeated calls	TX 75075	Postal mail

03/07/2015	Yes	Debt collection Medical	Taking/threatening an illegal action Threatened to sue on too old debt	CA 92103	Web

03/03/2015	Yes	Debt collection Non-federal student loan	Communication tactics Threatened to take legal action	VA 22306	Web

02/26/2015	Yes	Debt collection Other (i.e. phone, health club, etc.)	Cont'd attempts collect debt not owed Debt is not mine	PA 19404	Postal mail

02/24/2015	Yes	Debt collection Federal student loan	Cont'd attempts collect debt not owed Debt was paid	NY 12901	Postal mail

02/24/2015	Yes	Debt collection I do not know	Communication tactics Frequent or repeated calls	NE 68142	Web

02/22/2015	Yes	Debt collection Other (i.e. phone, health club, etc.)	Disclosure verification of debt Not given enough info to verify debt	NY 10036	Web

02/19/2015	Yes	Debt collection Federal student loan	Communication tactics Frequent or repeated calls	OK 74403	Web

02/18/2015	Yes	Debt collection Non-federal student loan	Cont'd attempts collect debt not owed Debt is not mine	FL 34448	Web	Servicemember

02/18/2015	Yes	Debt collection Other (i.e. phone, health club, etc.)	False statements or representation Indicated committed crime not paying	MA 02740	Web

02/18/2015	Yes	Debt collection Federal student loan	Communication tactics Frequent or repeated calls	MO 65355	Phone	Older American

02/18/2015	Yes	Debt collection Non-federal student loan	Communication tactics Frequent or repeated calls	FL 32501	Web

02/14/2015	Yes	Debt collection I do not know	Cont'd attempts collect debt not owed Debt is not mine	AZ 85377	Web	Servicemember

02/11/2015	Yes	Debt collection Non-federal student loan	Improper contact or sharing of info Contacted employer after asked not to	TN 38301	Web	Servicemember

02/11/2015	Yes	Debt collection Non-federal student loan	Disclosure verification of debt Not given enough info to verify debt	WA 98087	Referral	Servicemember

02/09/2015	Yes	Debt collection Credit card	False statements or representation Attempted to collect wrong amount	NY 10002	Phone

01/30/2015	Yes	Debt collection Credit card	Communication tactics Frequent or repeated calls	MA 02341	Web

01/29/2015	Yes	Debt collection Federal student loan	Cont'd attempts collect debt not owed Debt is not mine	PA 15243	Web	Older American

01/28/2015	Yes	Debt collection Federal student loan	Cont'd attempts collect debt not owed Debt is not mine	OR 97019	Web

01/27/2015	Yes	Debt collection Federal student loan	Disclosure verification of debt Right to dispute notice not received	OR 97034	Web

01/27/2015	Yes	Debt collection Credit card	Improper contact or sharing of info Talked to a third party about my debt	UT 84025	Web

01/23/2015	Yes	Debt collection Other (i.e. phone, health club, etc.)	Cont'd attempts collect debt not owed Debt was paid	VA 23225	Fax	Older American

01/22/2015	Yes	Debt collection Non-federal student loan	Taking/threatening an illegal action Sued w/o proper notification of suit	CA 91502	Phone

01/20/2015	Yes	Debt collection Federal student loan	Cont'd attempts collect debt not owed Debt is not mine	KS 67037	Web

01/19/2015	Yes	Debt collection Other (i.e. phone, health club, etc.)	Cont'd attempts collect debt not owed Debt is not mine	TX 75762	Web

01/15/2015	Yes	Debt collection Credit card	Improper contact or sharing of info Talked to a third party about my debt	MN 55436	Referral

01/14/2015	Yes	Debt collection I do not know	Communication tactics Frequent or repeated calls	NJ 08515	Web

01/13/2015	Yes	Student loan Non-federal student loan	Dealing with my lender or servicer Keep getting calls about my loan	GA 30097	Web

01/10/2015	Yes	Debt collection Federal student loan	Improper contact or sharing of info Contacted employer after asked not to	VA 23323	Web

01/08/2015	Yes	Debt collection I do not know	Communication tactics Frequent or repeated calls	RI 02879	Web

01/08/2015	Yes	Debt collection I do not know	Communication tactics Frequent or repeated calls	RI 02879	Web

01/06/2015	Yes	Debt collection Other (i.e. phone, health club, etc.)	Cont'd attempts collect debt not owed Debt is not mine	NE 68154	Web

01/05/2015	Yes	Student loan Non-federal student loan	Can't repay my loan Can't decrease my monthly payments	RI 02895	Web

01/01/2015	Yes	Debt collection Other (i.e. phone, health club, etc.)	Cont'd attempts collect debt not owed Debt is not mine	MI 48126	Web

12/31/2014	Yes	Credit card	Billing disputes	PA 19390	Web

12/27/2014	Yes	Debt collection Federal student loan	Communication tactics Frequent or repeated calls	CA 92008	Web

12/25/2014	Yes	Debt collection Non-federal student loan	Taking/threatening an illegal action Attempted to/Collected exempt funds	PA 19401	Web

12/24/2014	Yes	Debt collection Federal student loan	Communication tactics Frequent or repeated calls	MA 01566	Postal mail

12/22/2014	Yes	Consumer Loan Installment loan	Problems when you are unable to pay	AL 35758	Web

12/18/2014	Yes	Debt collection Other (i.e. phone, health club, etc.)	Taking/threatening an illegal action Threatened arrest/jail if do not pay	NJ 08869	Web

12/18/2014	Yes	Debt collection I do not know	Communication tactics Frequent or repeated calls	NY 13206	Web

12/16/2014	Yes	Debt collection I do not know	Communication tactics Frequent or repeated calls	NV 89460	Referral

12/15/2014	Yes	Credit card	Delinquent account	CA 94103	Web

12/15/2014	Yes	Debt collection Other (i.e. phone, health club, etc.)	Communication tactics Frequent or repeated calls		Phone	Servicemember

12/12/2014	Yes	Debt collection I do not know	Communication tactics Frequent or repeated calls	NC 28078	Web

12/10/2014	Yes	Debt collection I do not know	Disclosure verification of debt Not given enough info to verify debt	AL 35206	Web

12/09/2014	Yes	Debt collection Non-federal student loan	Cont'd attempts collect debt not owed Debt is not mine	FL 32808	Web

12/09/2014	Yes	Debt collection Other (i.e. phone, health club, etc.)	Disclosure verification of debt Right to dispute notice not received	MS 39150	Web	Servicemember

12/05/2014	Yes	Credit card	Delinquent account	FL 34997	Web

12/01/2014	Yes	Debt collection Other (i.e. phone, health club, etc.)	Cont'd attempts collect debt not owed Debt was paid	CA 90066	Web

11/30/2014	Yes	Debt collection Credit card	Improper contact or sharing of info Talked to a third party about my debt	VA 20175	Web	Servicemember

11/21/2014	Yes	Debt collection Other (i.e. phone, health club, etc.)	Disclosure verification of debt Not given enough info to verify debt	SD 57104	Postal mail

11/19/2014	Yes	Debt collection Federal student loan	Improper contact or sharing of info Contacted employer after asked not to	IL 60647	Web

11/18/2014	Yes	Debt collection Other (i.e. phone, health club, etc.)	Improper contact or sharing of info Talked to a third party about my debt	AZ 85053	Web

11/18/2014	Yes	Debt collection Credit card	Communication tactics Frequent or repeated calls	NY 10016	Web

11/18/2014	Yes	Debt collection Federal student loan	Communication tactics Frequent or repeated calls	NC 27262	Web	Servicemember

11/18/2014	Yes	Debt collection Credit card	Disclosure verification of debt Not disclosed as an attempt to collect	AZ 85210	Web	Servicemember

11/15/2014	Yes	Debt collection I do not know	Communication tactics Frequent or repeated calls	MD 20815	Web

11/14/2014	Yes	Debt collection Other (i.e. phone, health club, etc.)	Disclosure verification of debt Right to dispute notice not received	CO 80535	Web

11/14/2014	Yes	Debt collection Other (i.e. phone, health club, etc.)	Disclosure verification of debt Not given enough info to verify debt	CA 94804	Postal mail

11/13/2014	Yes	Debt collection I do not know	Cont'd attempts collect debt not owed Debt is not mine	PR 00726	Web

11/11/2014	Yes	Debt collection Credit card	False statements or representation Attempted to collect wrong amount	TX 78676	Postal mail

11/11/2014	Yes	Debt collection Credit card	False statements or representation Attempted to collect wrong amount	MN 55438	Web

11/11/2014	Yes	Debt collection Non-federal student loan	Communication tactics Frequent or repeated calls	GA 30060	Web

11/08/2014	Yes	Debt collection I do not know	Disclosure verification of debt Not given enough info to verify debt	CA 90025	Web

11/07/2014	Yes	Debt collection Other (i.e. phone, health club, etc.)	Communication tactics Called after sent written cease of comm	CA 95630	Web

11/07/2014	Yes	Debt collection Other (i.e. phone, health club, etc.)	Cont'd attempts collect debt not owed Debt is not mine	PA 17057	Referral

11/07/2014	Yes	Debt collection Other (i.e. phone, health club, etc.)	Cont'd attempts collect debt not owed Debt was paid	CA 90908	Phone	Servicemember

11/07/2014	Yes	Debt collection Non-federal student loan	False statements or representation Attempted to collect wrong amount	DC 20032	Referral

11/04/2014	Yes	Debt collection Other (i.e. phone, health club, etc.)	Cont'd attempts collect debt not owed Debt is not mine	CA 91308	Web

11/03/2014	Yes	Debt collection Other (i.e. phone, health club, etc.)	Disclosure verification of debt Not given enough info to verify debt	AZ 95127	Phone	Servicemember

11/01/2014	Yes	Debt collection Credit card	Improper contact or sharing of info Contacted me after I asked not to	NJ 07746	Web

10/30/2014	Yes	Debt collection I do not know	Cont'd attempts collect debt not owed Debt is not mine	MD 21798	Web	Servicemember

10/23/2014	Yes	Debt collection I do not know	Communication tactics Frequent or repeated calls	FL 33432	Referral	Older American

10/23/2014	Yes	Debt collection I do not know	Improper contact or sharing of info Talked to a third party about my debt	IN 47906	Web

10/17/2014	Yes	Debt collection Credit card	Cont'd attempts collect debt not owed Debt is not mine	CA 91436	Web

10/16/2014	Yes	Debt collection Other (i.e. phone, health club, etc.)	Communication tactics Frequent or repeated calls	CO 80443	Web

10/14/2014	Yes	Debt collection Other (i.e. phone, health club, etc.)	Cont'd attempts collect debt not owed Debt was paid	TX 75069	Web

10/09/2014	Yes	Debt collection I do not know	Cont'd attempts collect debt not owed Debt is not mine	MI 48028	Web	Older American

10/09/2014	Yes	Debt collection Federal student loan	Improper contact or sharing of info Contacted employer after asked not to	DE 19701	Web

10/08/2014	Yes	Debt collection Credit card	Improper contact or sharing of info Contacted me after I asked not to	NY 11757	Web

10/07/2014	Yes	Debt collection Other (i.e. phone, health club, etc.)	False statements or representation Attempted to collect wrong amount	WI 75039	Web

09/25/2014	Yes	Debt collection I do not know	Cont'd attempts collect debt not owed Debt is not mine	CA 91308	Web

09/18/2014	Yes	Debt collection Credit card	Improper contact or sharing of info Talked to a third party about my debt	MI 48120	Web

09/11/2014	Yes	Debt collection Other (i.e. phone, health club, etc.)	Disclosure verification of debt Not disclosed as an attempt to collect	NC 27292	Web

09/09/2014	Yes	Debt collection I do not know	Improper contact or sharing of info Contacted me after I asked not to	CA 94618	Web

09/08/2014	Yes	Debt collection Credit card	Communication tactics Frequent or repeated calls	CA 92115	Phone	Older American

09/03/2014	Yes	Debt collection Credit card	Cont'd attempts collect debt not owed Debt was paid	NY 11742	Fax

09/02/2014	Yes	Debt collection Other (i.e. phone, health club, etc.)	Cont'd attempts collect debt not owed Debt was paid	MA 01844	Web	Servicemember

08/28/2014	Yes	Debt collection Federal student loan	Communication tactics Called after sent written cease of comm	CO 80108	Web

08/27/2014	Yes	Debt collection I do not know	Improper contact or sharing of info Contacted employer after asked not to	TN 37923	Web

08/19/2014	Yes	Debt collection I do not know	Disclosure verification of debt Not disclosed as an attempt to collect	FL 32904	Web

08/18/2014	Yes	Debt collection Credit card	False statements or representation Indicated committed crime not paying	NY 12603	Web

08/16/2014	Yes	Debt collection Other (i.e. phone, health club, etc.)	Cont'd attempts collect debt not owed Debt is not mine	GA 30296	Web	Servicemember

08/16/2014	Yes	Debt collection Other (i.e. phone, health club, etc.)	False statements or representation Attempted to collect wrong amount	MI 48001	Web	Older American

08/05/2014	Yes	Debt collection I do not know	Improper contact or sharing of info Contacted me after I asked not to	WV 26570	Web

08/01/2014	Yes	Credit card	Identity theft / Fraud / Embezzlement	CA 90807	Phone	Older American

07/30/2014	Yes	Debt collection I do not know	Improper contact or sharing of info Talked to a third party about my debt	OR 97137	Web

07/24/2014	Yes	Debt collection I do not know	Improper contact or sharing of info Contacted me after I asked not to	TX 77065	Web

07/23/2014	Yes	Debt collection I do not know	Communication tactics Frequent or repeated calls	OR 97123	Postal mail

07/19/2014	Yes	Debt collection Credit card	Communication tactics Frequent or repeated calls	NY 11786	Web

07/19/2014	Yes	Debt collection Other (i.e. phone, health club, etc.)	Disclosure verification of debt Not given enough info to verify debt	CA 96158	Web

07/17/2014	Yes	Debt collection I do not know	Communication tactics Frequent or repeated calls	NV 89146	Web

07/16/2014	Yes	Debt collection Other (i.e. phone, health club, etc.)	Cont'd attempts collect debt not owed Debt is not mine		Phone

07/16/2014	Yes	Debt collection I do not know	Communication tactics Frequent or repeated calls	AL 35244	Web

07/16/2014	Yes	Debt collection Other (i.e. phone, health club, etc.)	Taking/threatening an illegal action Threatened arrest/jail if do not pay	CA 95821	Web

07/10/2014	Yes	Debt collection Non-federal student loan	False statements or representation Impersonated an attorney or official	AZ 85323	Web

07/08/2014	Yes	Debt collection Credit card	Cont'd attempts collect debt not owed Debt was paid	FL 34478	Web

07/08/2014	Yes	Debt collection I do not know	Cont'd attempts collect debt not owed Debt is not mine	OH 44128	Web

07/03/2014	Yes	Debt collection I do not know	Communication tactics Frequent or repeated calls	IL 60611	Web

06/25/2014	Yes	Debt collection Other (i.e. phone, health club, etc.)	Disclosure verification of debt Not disclosed as an attempt to collect	CA 95758	Web

06/20/2014	Yes	Debt collection I do not know	Communication tactics Frequent or repeated calls	TX 76207	Web

06/19/2014	Yes	Debt collection Federal student loan	False statements or representation Attempted to collect wrong amount	FL 33317	Web

06/19/2014	Yes	Debt collection I do not know	Communication tactics Frequent or repeated calls	TX 76207	Web

06/18/2014	Yes	Debt collection Non-federal student loan	False statements or representation Attempted to collect wrong amount	VA 23801	Web	Servicemember

06/13/2014	Yes	Debt collection Other (i.e. phone, health club, etc.)	Cont'd attempts collect debt not owed Debt resulted from identity theft	AZ 85021	Web

06/12/2014	Yes	Debt collection Other (i.e. phone, health club, etc.)	Cont'd attempts collect debt not owed Debt is not mine	CA 92807	Web

06/06/2014	Yes	Debt collection Federal student loan	Improper contact or sharing of info Contacted employer after asked not to	NC 28594	Web

06/05/2014	Yes	Debt collection Other (i.e. phone, health club, etc.)	Cont'd attempts collect debt not owed Debt is not mine	MO 65807	Web

05/31/2014	Yes	Debt collection Federal student loan	Improper contact or sharing of info Contacted me after I asked not to	FL 34637	Web

05/30/2014	Yes	Debt collection Other (i.e. phone, health club, etc.)	Communication tactics Used obscene/profane/abusive language	CA 90045	Web

05/29/2014	Yes	Debt collection I do not know	Cont'd attempts collect debt not owed Debt is not mine	TX 75077	Web

05/28/2014	Yes	Debt collection Other (i.e. phone, health club, etc.)	Disclosure verification of debt Not disclosed as an attempt to collect	FL 32225	Web

05/27/2014	Yes	Debt collection Federal student loan	Cont'd attempts collect debt not owed Debt is not mine	MA 02720	Web

05/20/2014	Yes	Debt collection Other (i.e. phone, health club, etc.)	Disclosure verification of debt Right to dispute notice not received	CA 90025	Web

05/09/2014	Yes	Debt collection Credit card	Disclosure verification of debt Not given enough info to verify debt	GA 30180	Referral

05/09/2014	Yes	Debt collection I do not know	Improper contact or sharing of info Talked to a third party about my debt	TN 37128	Web

05/07/2014	Yes	Debt collection Other (i.e. phone, health club, etc.)	Improper contact or sharing of info Talked to a third party about my debt	LA 70458	Web

05/07/2014	Yes	Debt collection I do not know	Cont'd attempts collect debt not owed Debt is not mine	AL 35805	Web

05/01/2014	Yes	Debt collection Other (i.e. phone, health club, etc.)	Cont'd attempts collect debt not owed Debt is not mine	AL 35228	Phone	Older American

04/30/2014	Yes	Debt collection I do not know	Improper contact or sharing of info Talked to a third party about my debt	IL 62946	Web

04/28/2014	Yes	Debt collection Federal student loan	Communication tactics Used obscene/profane/abusive language	TX 77042	Web

04/24/2014	Yes	Debt collection Other (i.e. phone, health club, etc.)	Improper contact or sharing of info Talked to a third party about my debt	IL 60618	Web

04/23/2014	Yes	Debt collection I do not know	Cont'd attempts collect debt not owed Debt was paid	MA 01108	Web

04/22/2014	Yes	Debt collection I do not know	Disclosure verification of debt Not disclosed as an attempt to collect	MD 20707	Web	Servicemember

04/16/2014	Yes	Debt collection I do not know	Improper contact or sharing of info Contacted me after I asked not to	OR 97702	Web

04/16/2014	Yes	Debt collection Credit card	Improper contact or sharing of info Contacted me after I asked not to	OH 43450	Phone

04/15/2014	Yes	Debt collection Other (i.e. phone, health club, etc.)	Disclosure verification of debt Right to dispute notice not received	SC 29801	Web

04/10/2014	Yes	Debt collection Credit card	Cont'd attempts collect debt not owed Debt was paid	FL 32256	Web	Servicemember

03/24/2014	Yes	Debt collection I do not know	Improper contact or sharing of info Contacted me instead of my attorney	CA 91331	Web

03/24/2014	Yes	Debt collection Payday loan	Communication tactics Used obscene/profane/abusive language	CA 91706	Web

03/19/2014	Yes	Debt collection Federal student loan	Cont'd attempts collect debt not owed Debt is not mine	CA 93212	Web

02/28/2014	Yes	Debt collection Other (i.e. phone, health club, etc.)	Disclosure verification of debt Not disclosed as an attempt to collect	MO 63010	Web

02/27/2014	Yes	Debt collection I do not know	Cont'd attempts collect debt not owed Debt resulted from identity theft	IL 60636	Postal mail

02/26/2014	Yes	Debt collection Other (i.e. phone, health club, etc.)	Cont'd attempts collect debt not owed Debt was paid	MT 59102	Phone	Older American

02/21/2014	Yes	Debt collection Other (i.e. phone, health club, etc.)	Cont'd attempts collect debt not owed Debt is not mine	MS 39110	Postal mail

02/19/2014	Yes	Debt collection Other (i.e. phone, health club, etc.)	Cont'd attempts collect debt not owed Debt is not mine	MS 39503	Referral

02/18/2014	Yes	Debt collection Credit card	Improper contact or sharing of info Talked to a third party about my debt	MI 48324	Web

02/07/2014	Yes	Debt collection I do not know	Improper contact or sharing of info Talked to a third party about my debt	WI 53581	Web

01/28/2014	Yes	Debt collection Other (i.e. phone, health club, etc.)	Communication tactics Frequent or repeated calls	NY 14207	Web

01/22/2014	Yes	Debt collection Other (i.e. phone, health club, etc.)	Cont'd attempts collect debt not owed Debt is not mine	SC 29720	Phone	Older American, Servicemember

01/22/2014	Yes	Debt collection Credit card	Communication tactics Frequent or repeated calls	CA 94089	Web

01/18/2014	Yes	Student loan Non-federal student loan	Dealing with my lender or servicer Received bad information about my loan	NM 88008	Web	Servicemember

01/18/2014	Yes	Debt collection I do not know	Cont'd attempts collect debt not owed Debt is not mine	NY 11213	Web

01/15/2014	Yes	Debt collection Credit card	Communication tactics Frequent or repeated calls	FL 33054	Phone	Older American

01/14/2014	Yes	Debt collection Other (i.e. phone, health club, etc.)	Taking/threatening an illegal action Seized/Attempted to seize property	MI 49203	Web

01/14/2014	Yes	Debt collection Credit card	Improper contact or sharing of info Contacted me after I asked not to	NY 10036	Web

01/02/2014	Yes	Debt collection I do not know	Disclosure verification of debt Right to dispute notice not received	OR 97233	Web

12/19/2013	No	Debt collection I do not know	Cont'd attempts collect debt not owed Debt is not mine	GA 30066	Web

12/18/2013	Yes	Debt collection Other (i.e. phone, health club, etc.)	Disclosure verification of debt Not given enough info to verify debt	NJ 08701	Web

12/18/2013	Yes	Debt collection Credit card	Improper contact or sharing of info Contacted employer after asked not to	PA 19382	Web

12/03/2013	Yes	Debt collection Other (i.e. phone, health club, etc.)	Communication tactics Called after sent written cease of comm	DE 19702	Referral

11/25/2013	Yes	Debt collection Other (i.e. phone, health club, etc.)	False statements or representation Attempted to collect wrong amount	DE 19711	Web

11/19/2013	Yes	Debt collection Other (i.e. phone, health club, etc.)	Disclosure verification of debt Not given enough info to verify debt	FL 34104	Web

11/19/2013	Yes	Debt collection Other (i.e. phone, health club, etc.)	Cont'd attempts collect debt not owed Debt is not mine	CA 94948	Referral

11/14/2013	Yes	Debt collection I do not know	Cont'd attempts collect debt not owed Debt is not mine	OH 43227	Web

11/13/2013	Yes	Debt collection Other (i.e. phone, health club, etc.)	Disclosure verification of debt Right to dispute notice not received	CA 95661	Web

11/07/2013	Yes	Debt collection I do not know	Communication tactics Frequent or repeated calls	GA 30501	Web

11/04/2013	Yes	Debt collection I do not know	Improper contact or sharing of info Contacted me after I asked not to	FL 34602	Web

10/31/2013	Yes	Debt collection Federal student loan	False statements or representation Attempted to collect wrong amount	VA 23693	Web

10/23/2013	Yes	Debt collection Other (i.e. phone, health club, etc.)	Disclosure verification of debt Right to dispute notice not received	GA 33175	Web

10/21/2013	Yes	Debt collection Other (i.e. phone, health club, etc.)	Cont'd attempts collect debt not owed Debt is not mine	TX 78132	Web

10/08/2013	Yes	Bank account or service Other bank product/service	Account opening, closing, or management	CA 90241	Postal mail

09/25/2013	Yes	Debt collection Other (i.e. phone, health club, etc.)	Improper contact or sharing of info Contacted employer after asked not to	CA 90036	Web

09/21/2013	Yes	Debt collection Other (i.e. phone, health club, etc.)	Taking/threatening an illegal action Attempted to/Collected exempt funds	CA 91745	Web

09/19/2013	Yes	Debt collection Non-federal student loan	Cont'd attempts collect debt not owed Debt is not mine	PA 17055	Web

09/19/2013	Yes	Debt collection Federal student loan	Taking/threatening an illegal action Attempted to/Collected exempt funds	TX 77063	Web	Servicemember

09/17/2013	Yes	Debt collection I do not know	Communication tactics Frequent or repeated calls	ID 83707	Web

09/16/2013	Yes	Debt collection Auto	Communication tactics Used obscene/profane/abusive language	VA 22191	Fax

09/13/2013	Yes	Debt collection Credit card	Communication tactics Called after sent written cease of comm	NC 28372	Web

09/05/2013	Yes	Debt collection Other (i.e. phone, health club, etc.)	Communication tactics Threatened to take legal action	VA 23513	Web	Servicemember

08/20/2013	Yes	Debt collection Other (i.e. phone, health club, etc.)	Cont'd attempts collect debt not owed Debt was paid	MI 48807	Referral

08/13/2013	Yes	Debt collection Credit card	Cont'd attempts collect debt not owed Debt is not mine	IL 60640	Web

08/09/2013	Yes	Bank account or service Checking account	Using a debit or ATM card	WA 98148	Fax

08/06/2013	Yes	Debt collection Other (i.e. phone, health club, etc.)	Cont'd attempts collect debt not owed Debt was paid	CA 93001	Web

08/01/2013	Yes	Debt collection Federal student loan	False statements or representation Attempted to collect wrong amount	OH 44137	Web

07/31/2013	No	Debt collection Credit card	False statements or representation Indicated committed crime not paying	CA 90230	Web

07/26/2013	Yes	Debt collection Federal student loan	Communication tactics Frequent or repeated calls	VA 22191	Web

06/06/2013	Yes	Student loan Non-federal student loan	Repaying your loan	FL 33055	Referral

09/28/2012	Yes	Student loan Non-federal student loan	Problems when you are unable to pay	KS 67235	Web