Pacific Collections CFPB Complaints

2000 Latest Complaints

Date Received	Timely Response	Product	Issue	State / Zip	Submitted Via	Tags
07/11/2019	No	Debt collection Other debt	Attempts to collect debt not owed Debt was result of identity theft	IN 46307	Web
I received a letter in the mail from Pacific Collection Group claiming that I owe {$980.00}. The creditor is listed as XXXX XXXX XXXX. After speaking with four different representatives, the only useful information I was able to obtain is that I supposedly spoke with someone from XXXX XXXX XXXX on XX/XX/XXXX about some sweepstakes they were running, and provided my billing and mailing information to them at that time. I was told that I supposedly made " 6 or 7 '' payments of {$49.00} before becoming delinquent, and that that amount was to continue monthly for 30 months. I was informed that the card that was charged had an expiration date of XX/XX/XXXX, but that no other information could be provided. After reviewing the statements for XXXX XXXX for all of my accounts, including speaking with XXXX XXXX XXXX to ascertain the phone number for the original creditor, as no representative with Pacific Collections would provide any form of contact information to me. The second and third conversations that were had with Pacific Collections were on speaker phone with 3 other witnesses to hear the obscene manner with which their representatives spoke to me. I repeatedly stated that there was no need to be so rude, and was met with a variation of " this isn't customer service, this is debt collection '' each time. At one point, the representative, XXXX, told me that he could not see my information to tell me if what I was stating was correct or not. XXXX then told me a few minutes later the exact amount they were claiming I owe, and when I stated as much ( in front of 3 witnesses who were all shocked with the way I was being spoken to ), he told me that I was now making things up and " being ridiculous '', and he would connect me to his supervisor. I was then immediately placed on hold for several minutes before being connected to a XXXX, who also said I was " being ridiculous '' as I repeatedly requested more information. I have still been unable to locate a way to contact XXXX XXXX XXXX, and have not found a single charge from that company in any account statement for the duration of XXXX. The only thing I can find ( which definitely fits the timeline, and was affirmed by XXXX, but then refuted by XXXX ) is a charge to my XXXX debit card for {$29.00} on XX/XX/XXXX. That statement also shows, on XX/XX/XXXX, a " Credit due to Debit Card dispute '' in the same amount. When I informed both XXXX and XXXX of this fact, I was laughed at and told I don't know how anything works because the bank will just refund just because I ask for it, and it doesn't mean the charge was fraudulent. When I spoke with XXXX regarding this issue, I was informed that the charge was listed as unauthorized, and the investigation proved that to be true. That charge was from " XXXX XXXX XXXX ''. I called the number on the statement, and the woman there ( unsure of spelling ), XXXX, informed me that the charge was for one of the companies they work with, " XXXX XXXX XXXX '', and that the account had been closed on their end. She asked me for the name of the company that contacted me, and I could only say, " Pacifi- '' before she cut me off and said, " Pacific Collection Group? '' She then informed me they've been receiving a number of calls regarding letters from Pacific Collection Group from consumers asking about supposed debt. She informed me that her company believed them to be an illegal debt collection agency who was finding old accounts such as mine and trying to scam consumers out of money. She informed me that I had nothing to worry about on their end because my account had most definitely been closed out, and there would be no attempts to collect debt. That charge for {$29.00} from XX/XX/XXXX is the only charge I could find in any of my accounts from that time period that even remotely fit the description of a magazine service. XXXX with Pacific Collection Group confirmed that was the first charge, but XXXX insisted I was wrong and that all " 6 or 7 '' payments made were for {$49.00}. To the best of my knowledge, and as far as I can tell from digging through all of my banking statements across 4 credit cards and my checking account, there was no charge in XXXX XXXX for that amount, and certainly no recurring charge of that amount. Again, the immediately disputed and refunded charge of {$29.00} is the only charge I can find, and that was proven unauthorized, and the account closed out by the company, XXXX XXXX XXXX. If there is any other information I can provide, please let me know, and I will do what I can to provide what is needed. Thank you.
05/30/2019	No	Debt collection I do not know	Attempts to collect debt not owed Debt is not yours	IN 47905	Web
On XX/XX/2019 I received a notification of debt letter from Pacific Collection Group stating that {$960.00} in debt has been assigned for collections by their agency. The original creditor was not named in the letter and I have absolutely NO knowledge of debt in that amount whatsoever, and I am aware of all of my debts both up to date and in collections, this is not one of them. I followed the federally mandated 15 U.S. Code 1692g, which allows 30 days for a person to dispute such a letter and requested verification of the debt, including the age of the debt, an itemized statement of what is owed, the name and address of the original creditor, and evidence that I am legally responsible for the debt. I sent this typed & signed request for verification on XX/XX/XXXX back to the agency and never heard back from them. In XX/XX/XXXX the supposed debt appeared on my credit report, now with the name XXXX XXXX XXXX ; same debt amount and same account number as the previously stated notification letter from Pacific Collections. I filed a dispute via XX/XX/XXXX and somehow the dispute was decided in the agencies favor within only 2 days ; unchanged. This company, by law, is required to send verification of this debt if requested by accusedin writing, however such verification was NOT sent, And still has not been. I called and left them voicemails requesting more information and have not received any phones calls or emails or mail. The address as stated on the original letter notifying me of this collections account was : Pacific Collection Group XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX And now as printed on my credit report the name and address have changed to : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, CA XXXX I do not owe this debt ; that I know. The law gives me the right to know what this agency thinks I owe, why, when, from who and all other relevant details in order for me to deal with it. The law so far is being broken by this agency. After the request letter I sent, the voicemails I left and the dispute I filed with XX/XX/XXXX I dont know what else to do about the injustice of this collection account.
04/06/2020	No	Debt collection Medical debt	Attempts to collect debt not owed Debt was paid	NV 89113	Web
Firstly I never received any invoice or notice to my new address after repeatedly asking them to post or email me the notice so I could see what I had to pay for. We were initially on a plan ( which was above what I could afford ) which I requested that they do not withdraw the Money without me first contacting them to ensure that I had the funds available, they ignored my request and continued to take the money out without any notice. I had to change my bank details as they overdrew my account. Because I had not received any notice I could not call them to dispute this with them. After moving to my new place I started to receive calls very early in the morning every single day threatening me that they were going to black list me and ruin my credit. I told them that I could not pay any more money until I received a notice, also that I would pay it once I was able to find employment. After constant threats I ended up paying them money. The first transaction was on XX/XX/XXXX {$90.00}, the second was XX/XX/XXXX {$90.00} which was the transaction that overdrew my account. Then in XX/XX/XXXX I agreed to pay {$300.00} because they threatened to destroy my credit and they increased the mount owed which I still don't even know why as they have not sent me any invoices. and then I agreed to pay {$100.00} on XX/XX/XXXX the next two weeks to finalize the debt and to be done with them. However they have continued to charge my account again this week on the XX/XX/XXXX another {$91.00} They should not be taking Money from my account,. The name of the company is Pacific Collections XXXX XXXX and the name of the person I felt with is XXXX XXXX, his number is XXXX XXXX the only way that even have these details is because of my bank statements, as I have not received a notice and now I am worried that I paid a scam company. The name that appears on my statement is XXXX XXXX XXXX XXXX XXXX XXXX. I called them multiple times and left a voicemail but I would like to file a complaint as they have caused me an incredible amount of stress and anxiety. I will push for legal action.
01/04/2018	No	Debt collection Medical debt	Attempts to collect debt not owed Debt is not yours	CA 91367	Web
I have received two letters from XXXX XXXX XXXX XXXX, Collections and Billing, XXXX XXXX XXXX, XXXX, CA XXXX, phone number : XXXX claiming that my account remains seriously delinquent. They are claiming that the Creditor is XXXX XXXX XXXX ( they put an asterik next to the name ), my file number is : XXXX and my account number is : XXXX and that I owe {$790.00}. They have stated that if they do not receive the full balance within 10 days of this letter action may be brought against me without further notice. It says please make payments payable to XXXX - DO NOT SEND CASH. I have no idea what they are talking about but they are very persistent. Thank you in advance for your help on this matter.
07/16/2015	No	Debt collection Other (i.e. phone, health club, etc.)	Cont'd attempts collect debt not owed Debt is not mine	GU XXXXX	Web	Servicemember
a credit report was submitted into XXXX that was not mine ( if there is a social security number that comes along with that report then they should have verified it to see if it was mine ) on XXXX/XXXX/2012 from XXXX XXXX XXXX XXXX in XXXX. under the original Creditor : XXXX XXXX XXXX, Account number XXXX. I checked with the Collection Agency and I was told that it had a different SSN under the same name. The supervisor told me he would clear that up three weeks ago, but I did not see any change in my report.
12/05/2017	No	Debt collection I do not know	Attempts to collect debt not owed Debt is not yours	OK 73099	Web	Servicemember
On XXXX XXXX, 2017 I have received an alert from XXXX that there were some changes from XXXX. There was a Debt collection from XXXX XXXX XXXX XXXX ( sold to XXXX/XXXX ) for {$330.00}. My credit score went 60 points down. That collection is n't mine, I did n't purchase anything in there nor got any services in there. I live in Oklahoma. I immediately contacted XXXX and that collection agency about that issue. Collection agency refused to provide any evidence of that dept ( that it belongs to me ).
03/09/2016	No	Debt collection I do not know	Communication tactics Threatened to take legal action	NM 880XX	Web
This person contacted my father in law first about a debt my husband does not have. I returned the call and the person tried telling me he was going to go to his place of employment and it was better talking to my father in law. My husband called after the male representative began being verbally assaulting to me. He told the representative that it was not his debt and to please mail him proof to our PO Box and the gentlemen began accusing my husband of not being able to speak for himself.
02/09/2019	No	Debt collection Medical debt	Attempts to collect debt not owed Debt was paid	CA 95670	Web
XXXX XXXX XXXX XXXX gave me medication I was allergic to, which had me end up in their office that night and they claim to charge me {$71.00} for that expense. When they had told me that it was their fault and I wasnt going to be charged. This happened in 2017. It got reported to my credit today and it knocked down 40 points on my credit. This is completely uncalled for. XXXX XXXX XXXX XXXX
12/19/2019	No	Debt collection I do not know	Communication tactics Frequent or repeated calls	OR 97211	Web
My family member owes some type of debt not sure exactly not in touch with him. This debt collector called on XX/XX/XXXX, XXXX, XX/XX/XXXX, and XX/XX/XXXX very harassing.
11/04/2015	No	Debt collection I do not know	Cont'd attempts collect debt not owed Debt is not mine	CA XXXXX	Web	Servicemember
XXXX XXXX XXXX XXXX ( XXXX ) is violating the Fair Debt Collection Practices Act ( FDCPA ) by reporting collection account # XXXX without debt validation.
03/26/2015	No	Debt collection Payday loan	Cont'd attempts collect debt not owed Debt was paid	CO 80260	Web
I paid back the loan ( TWICE )
01/19/2021	No	Debt collection I do not know	Communication tactics You told them to stop contacting you, but they keep trying	CA 93906	Web

01/03/2020	No	Debt collection Other debt	Communication tactics Frequent or repeated calls		Phone

12/17/2019	No	Debt collection I do not know	Attempts to collect debt not owed Debt is not yours	OH 45217	Phone	Older American, Servicemember

11/25/2019	No	Debt collection Other debt	Attempts to collect debt not owed Debt is not yours	AZ 86409	Phone	Older American

08/29/2019	No	Debt collection Payday loan debt	Took or threatened to take negative or legal action Threatened to sue you for very old debt	OK 73085	Web

06/11/2019	No	Debt collection Other debt	Attempts to collect debt not owed Debt is not yours	FL 32455	Web

05/15/2019	No	Debt collection I do not know	Written notification about debt Didn't receive enough information to verify debt		Phone

08/10/2018	No	Debt collection Medical debt	Took or threatened to take negative or legal action Threatened or suggested your credit would be damaged	CA 92056	Web	Servicemember

04/11/2017	No	Debt collection Medical	Cont'd attempts collect debt not owed Debt is not mine	CA 91104	Web	Older American