| 12/13/2019 |
No |
- Debt collection
- Other debt
|
- False statements or representation
- Impersonated attorney, law enforcement, or government official
|
|
Web |
|
|
InXX/XX/XXXX, I started to receive calls regarding an old debt with XXXX that was taken out in XXXX, defaulted on in XXXX, and finally settled on in XXXX. Given the amount of time that had passed, I chalked the initial calls up to a scam or phantom debt collector but returned the call out of curiosity as they were claiming to be filing a " civil complaint '' against me. At this time I advised the woman I spoke with that I did not owe the money and that it was settled back in XXXX and that I wanted them to provide proof of debt. She became combative and excessively tried to scare me with what the " legal action '' means .... I informed her that I would gladly go to court regarding the matter at which point she hung up on me. I attempted to call back several times and was sent to a generic voicemail. I left a message on my 3rd attempt advising that I wanted to make sure that they had the right address on file so that I could be served and did not receive an immediate call back. I then contacted XXXX XXXX directly and was transferred to their Loss Mitigation department who advised me they sold my debt in XXXX. I contacted that debtor and they advised me the file transferred again in XXXX. I attempted to contact that debtor and was unable to reach them ( it appears they are no longer in business ). I settled my account with XXXX out of XXXX XXXX on XX/XX/ but was unable to make contact with them at the number provided on my letter from XXXX.
The first time I had heard back from Jefferson and Associates was on XX/XX/ when a woman from " XXXX XXXX XXXX '' left me a voicemail indicating they attempted to deliver very important legal documents and received them back as undeliverable and if I wanted additional information regarding the urgent matter to call the " Legal office '' back at XXXX and reference my case number.
Since then, I have received countless calls all with slightly varying names of the company, case number, my name, and dates I have to respond by to prevent " Legal Action ''. I have answered many of these calls and repeated the same information and requested proof of debt each time to no avail. The calls stop for a month or two after I speak with someone and then start back up. I have stopped answering or returning calls after my last interaction with a XXXX XXXX - Secretary with the filing department at XXXX, XXXX XXXX XXXX ( name of company on VM received on XXXX ) also Secretary with the filing department at Jefferson and Associates ( Name of company on VM received on XXXX ). During my conversation with Ms. XXXX, I again informed her that I do not owe this debt and that they need to send proof of debt to me. At this time, she asked me to prove to her that I don't owe the debt at which time I expressed my concerns about sharing information given their phone numbers are generated by google and their business doesn't have a real website. She did state she would send me proof and confirmed my address but it was never received.
I have received 4 voicemails since that interaction ; all of which are from Jefferson and Associates and stating that a civil complaint is being filed against me if I don't respond by the end of that business day. Some of these voicemails discuss how I have defaulted on my loan, provide the last 4 digits of my SSN, and state that they are pursuing my case to the fullest extent of the law.
On XX/XX/, my father received a call from Jefferson and Associates advising him that they needed to contact me right away regarding a civil case filed against me and that they were trying to help me before it was too late. The feel of this call was that they were trying to scare him into thinking I was in some sort of trouble and pressure him into releasing my contact information. He did not provide them with my information but did call me very concerned that something was wrong. I have since advised him to ask them to not call him.
On XX/XX/, I attempted to call Jefferson and Associates at the last number they provided to my father ( they have provided 4 different numbers to call back when leaving a voicemail ) and reached a woman who answered the phone " This is XXXX ''. I asked her what company I had reached and she stated " Jefferson and Associates law firm ''. She asked me for the case number I was calling in reference to which I provided. She then confirmed the name on the file and I asked for the business ' address, business license #, and a Bar number for the attorney. She then advised me that I could mail whatever correspondence I need to the address below but that she was an answering service and I would need to call during business hours in order to get the other information. I did some further research on the address and found that this is a virtual office where an individual can pay the company to forward their mail and answer their phone.
In conclusion, I believe that Jefferson and Associates has not only been deceptive regarding them being a legitimate law firm and taking legal action against me but they have also refused to acknowledge and fulfill my many requests to provide proof of debt. The tone of the voicemails and the call to my father attempting to scare him into thinking I am in some sort of legal trouble is abusive. Additionally, the time that has passed since last payment ( assuming they don't know about my settlement in XXXX of XXXX ) Jefferson and Associates ' collection practices place them in violation of Time Barred Debt laws in the state of NV. I no longer owe this debt from XXXX and have done everything in my power to rectify this with Jefferson and Associates ; however, it appears that they will only stop once I agree to pay them.
Numbers I have been provided to call back Jefferson and Associates are as follows : XXXX XXXX XXXX XXXX
|
| 02/03/2019 |
Yes |
- Debt collection
- Medical debt
|
- False statements or representation
- Attempted to collect wrong amount
|
|
Web |
|
|
XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NJ-XXXX XX/XX/XXXX XXXX XXXX DIV OF PALMER, INC. XXXX XXXX XXXX, NJ XXXX Re : XXXX XXXX XXXX XXXX/Acct # XXXX ( XXXX ) -XXXX-Amt {$3400.00} Dear Sir/Madam : I am writing in regards to the above-referenced debt to inform you that I am disputing this debt. Please verify the debt as required by the Fair Debt Collection Practices Act.
I am disputing this debt because I do not owe it and my insurance provider have been already paid to the XXXX XXXX XXXX XXXX XXXX based on 110 % of the fee Medicare allows for the same or similar services provide in the same geographical area. These amounts were then subject to a 25 % reduction in benefits ( XXXX XXXX XXXX ).
and also, XXXX XXXX XXXX ( XXXX ) appeal representative have verified that the eligible expenses/allowed amount paid of {$570.00} is correct and upholding the denial of remaining amount which is in excess of the allowed amount.
I am disputing this debt because the bill raised by the XXXX XXXX XXXX XXXX XXXX is more than the specified Physicians ' and ASC Fee Schedule 's as per the below link and it's procedure codes.
Actual Physician fee for the below procedures XXXX XXXX DESCRIPTION Physicians ' Fees North Physicians ' Fees South ASC Fees North ASC Fees South XXXX XXXX XXXX XXXX ( XXXX ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I am disputing this debt because I went to XXXX XXXX XXXX XXXX ( XXXX XXXX XXXX ) for my Child 's treatment under emergency services and all the charges incurred by hospital sources and doctors have been paid off through my insurance provider. Due to this, there is no dues pending.
I am disputing this because as I was not aware of who is the doctor that the Hospital called/treated as to me when it is an emergency the hospital as a network hospital should raise the bill to insurance and bear the cost and not the patient who has no control over the circumstances at the time and I have never been approached XXXX XXXX XXXX XXXX doctor for my Childs treatment. Moreover, he is a XXXX XXXX XXXX doctor as shown in the website.
I am disputing this debt because XXXX XXXX XXXX XXXX XXXX was raised this bill numerous times more than the Physicians ' and ASC Fee Schedule 's cost as above stated as per NJ geographical area.
I am disputing this debt because I have been appealed this several times to the XXXX ( XXXX XXXX XXXX ) doctors and they had confirmed in writing that, what they have been paid is satisfying the same geographical area. ( Please find the copy of enclosures ) I am disputing this debt because I have never been to his location for my Child 's treatment on XX/XX/XXXX nor taken pre appointed XXXX XXXX.
I am disputing this debt because I went to XXXX XXXX XXXX for the emergency services and they are holding whole responsibility to raise the bill to my insurance provider as a network facility including doctor 's bill. I will not accept the bill raised by consultant/employee of the organization as an individual since I am not aware of him nor authorized by me prior to the treatment. Please note that, my spouse was in hospital room with my child and waiting for doctor more than 3 hours with no treatment during that time nobody has neither discussed nor explained about the services and costs.
I am disputing this debt because I went to XXXX XXXX XXXX emergency medical services for my child 's treatment as an entity/organization. As you all aware and studied in our childhood days that, hospital means building and staff, doctors. When insurance provider has been considered hospital is an network facility, all its properties/staff/doctors are inherited to XXXX XXXX XXXX and based on that, my insurance provider has been settled all the dues to the concerned persons through hospital.
I am disputing this debt because I do not owe it and my insurance provider has been already paid based on XXXX XXXX XXXX to hospital including doctors. XXXX XXXX XXXX is a responsible to clear the dues if any to their doctors and employees.
Hence, I am disputing this debt, you should not report it to the credit reporting agencies. If you have already reported it, please contact the credit reporting agencies, inform them that the debt is disputed, and ask them to delete it from my credit report. Reporting information that you know to be inaccurate, or failing to report information correctly, violates the Fair Credit Reporting Act.
Finally, please note that I do not wish to receive further telephone calls or letters concerning this debt that I do not owe to your client. The Fair Debt Collection Practices Act requires you to respect this request. See 15 U.S.C. 1692 ( c ).
Thank you for your attention to this matter.
Sincerely, XXXX XXXX XXXX CC : Consumer Financial Protection Bureau XXXX XXXX XXXX XXXX XXXX Iowa XXXX New Jersey Division of Consumer Affairs XXXX XXXX XXXX XXXX, New Jersey XXXX New Jersey Department of Banking and Insurance Consumer Protection Services XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Encl : Debt collection letter Bill sent by the doctor XXXX XXXX XXXX discharge instructions XXXX Appeal Letter
|
| 04/13/2020 |
No |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Old information reappears or never goes away
|
|
Web |
Servicemember |
|
I didnt give permission for a friend to use my Identity by opening a Utility Account with XXXX XXXX XXXX XXXX, back in XXXX or XXXX.
I reported to XXXX that my identity was used at their company and I did not authorize this use.
Not only did they not do anything about that by going after that person XXXX XXXX themselves.
They basically held me liable for this BILL.
I have told them repeatedly disputed this repeatedly and here we are in XXXX XXXX How many years later?
At least 12 years later.
Even if it was XXXX when my husband and I moved out of XXXX we're still talking 10 years!
What gives a company the right to basically castrized an innocent party with a bill that is not theirs in the first place and worse started in XXXX at the least, and yet they claim it was open in XXXX??
I have proof I moved out of XXXX and XXXX because I took a lease if you would like to see proof of that lease I have no problem showing you that the leases in XXXX why would I be getting electricity in XXXX?
I want proof of that!!
If I have to prove that this bill is not mine I want you to prove that it was taken out in XXXX in my name and how I opened it!
I have that right as a consumer so I want to see any and all documentation.
That has to with me opening an account with your company in XXXX or XXXX whatever you want to claim, I want to see it!!
I will take them to small claims court.
I know darn well I moved out of XXXX in XXXX! So why in XXXX 's name would I open an account in XXXX??????
IN XXXX when I lived in XXXX and moved to XXXX in XXXX!! Check the voter registration!!!
If this is not removed I will take it further, much further.
Shame on XXXX for taking the word of a company over the facts of the consumer.
Thank You!!
|
| 04/30/2020 |
No |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Information belongs to someone else
|
|
Web |
|
|
my exs lived with while i realize i attract the XXXX of the earth, and divorced both. they agreed to pay these debts they created in my name withot my permission but have yet to do so. how can I get these off my credit report as they are not my charges. if you look my bank family savings credit union my light bill all my bills are paid on time im not ever late.
I trusted my husbands that lived with me, they took advantage and had access to my persona ; stuff and info we were married. i did not give permission or know anything about this. i divorced them for this reason. plase help me straighten my credt out. accounts they did were XXXX, XXXX, XXXX XXXX, XXXX XXXX, XXXX, XXXX, XXXX, XXXX, you name it in XXXX if any cards or credit isnt bad it isnt mine. look and call my bank family savings credit union ive never misses a payment and my phone is through XXXX i have always had prepaid or government phone. im on XXXX im very low income i dont live above my means. I dont like being punished for someone elses stuff on my credit it isnt right nor fair!
|
| 06/28/2018 |
Yes |
- Debt collection
- Medical debt
|
- Threatened to contact someone or share information improperly
- Talked to a third-party about your debt
|
|
Web |
|
|
The proper option was not available.
A previous complaint was filed with CFPB, however it was closed. The previous response from XXXX XXXX contained my private health information. My PHI was viewed by employees of XXXX XXXX. My PHI was shared on this website.
XXXX XXXX was not authorized to receive my PHI ( as documented by the document they uploaded to this site. ) The medical bill shared initially shared by health care provider is a violation of the Health Insurance Portability and Accountability Act of 1996 ( HIPPA ). This law prohibits the disclosing of personal health information.
This account is being illegally reported on my credit report.
As a result, I will be filing a formal complaint with the Attorney General ( OAG ), and Office for Civil Rights ( OCR ).
|
| 03/19/2018 |
Yes |
- Debt collection
- I do not know
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
Upon reviewing my credit report with all three XXXXcredit bureaus I was informed that I have late or missing payments which I do not owe, and have been reported for more than a year as deliquent. Attempts to get written verification proved unsuccessful as the complaintant stated, " they did not have to prove anything to me. '' I am trying to purchase a home and this situation is preventing that from happening due to FALSE information being listed on my credit reports.In other words, this debt is NOT mine!
Please assist so that I will not have to pay for legal help in this matter.
|
| 03/19/2018 |
Yes |
- Debt collection
- I do not know
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
Upon reviewing my credit report with all three XXXXcredit bureaus I was informed that I have late or missing payments which I do not owe, and have been reported for more than a year as deliquent. Attempts to get written verification proved unsuccessful as the complaintant stated, " they did not have to prove anything to me. '' I am trying to purchase a home and this situation is preventing that from happening due to FALSE information being listed on my credit reports.In other words, this debt is NOT mine!
Please assist so that I will not have to pay for legal help in this matter.
|
| 05/18/2020 |
No |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt was paid
|
|
Web |
|
|
I had XXXX for over 10 years. They didn't want me to cancel even though I was adamant the bill was just getting too expensive. Since I owned the phone and the contract was up my son took the number and transferred to another company. Months later I receive a bill for over {$500.00} with constant harassing phone calls threatening to take me to court etcetera. I filed a complaint with corporate office about the incident and never heard anything else until a debt buyer bought it out.
|
| 09/25/2019 |
No |
- Debt collection
- Medical debt
|
- Took or threatened to take negative or legal action
- Threatened to sue you for very old debt
|
|
Web |
Servicemember |
|
On XX/XX/2019 an XXXX from Jefferson and associates starting calling my hr manager at work in an attempt to collect a debt that was over 9 years old. I called the # and extension left on voicemail to my hr manager where I was lied to about having to pay the time barred debt or legal action would be taken since I lived in a garnashble state. So I was forced to verbally agree a settlement which I then cancelled after learning my rights of FDCPA.
|
| 11/23/2021 |
No |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt was result of identity theft
|
|
Web |
|
|
My Identity was stolen in summer 2012.
File of documents ; social security cards, check books, bank account statements, along with my drivers license were stolen out of my vehicle.
I had just purchased a vehicle.
I have NOT opened an account with this creditor, therefore this is a FRAUDULENT account. I Also have never received a phone call or a letter from such creditors.
|
| 11/21/2019 |
No |
- Debt collection
- Payday loan debt
|
- Threatened to contact someone or share information improperly
- Talked to a third-party about your debt
|
|
Web |
|
|
Jefferson & Associates XXXX call me, my family, & employer several times a day. I have asked them to stop. They refuse. I have asked them to send me documentation showing my debt. They refuse. They have even disclosed this situation with my employer. My employer has asked them to stop. They reuse.
|
| 03/31/2020 |
No |
- 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
|
|
Web |
Older American, Servicemember |
|
I filed a dispute on XX/XX/2020 regarding a new collection on my file.
The reporting agency took less than 48 hours to investigate my dispute which leads any reasonable person to believe that my dispute was not properly handled. This account has been paid and closed for more than two years.
|
| 09/23/2022 |
No |
- 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
|
|
Web |
|
|
|
| 03/22/2021 |
No |
- Debt collection
- Other debt
|
- Took or threatened to take negative or legal action
- Sued you without properly notifying you of lawsuit
|
|
Phone |
Older American |
|
|
| 08/01/2019 |
No |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt was result of identity theft
|
|
Web |
|
|
|
| 09/11/2018 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Information belongs to someone else
|
|
Fax |
|
|
|
| 07/24/2018 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Information belongs to someone else
|
|
Fax |
|
|
|
| 06/02/2018 |
Yes |
- Debt collection
- Medical debt
|
- Written notification about debt
- Didn't receive enough information to verify debt
|
|
Web |
|
|
|
| 01/08/2018 |
Yes |
- Debt collection
- Other debt
|
- Written notification about debt
- Didn't receive enough information to verify debt
|
|
Postal mail |
|
|
|
| 12/15/2017 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Improper use of your report
- Reporting company used your report improperly
|
|
Web |
|
|
|
| 11/16/2016 |
No |
- Debt collection
- Other (i.e. phone, health club, etc.)
|
- Cont'd attempts collect debt not owed
- Debt was paid
|
|
Web |
|
|
|
| 09/29/2016 |
No |
|
- Cont'd attempts collect debt not owed
- Debt is not mine
|
|
Web |
|
|
|