| 07/14/2015 |
Yes |
- Debt collection
- Credit card
|
- False statements or representation
- Attempted to collect wrong amount
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|
Web |
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At approximately XXXX XXXX on Friday, XXXX XXXX 2015, I placed a call to XXXX ( at telephone number XXXX ) in relation to pending litigation. I was instructed that the people available on that line were not able to help me, but that I should call another department within XXXX at telephone number XXXX ( hereinafter the " XXXX number '' ).
At approximately XXXX XXXX on that same day, I followed the recommendation of the XXXX employee, and placed a telephone call to the XXXX number. When an unnamed representative answered this call, she answered the call as " Phillips & Cohen Associates '' ( hereinafter " PCA '' ). As I had been led to believe that the XXXX number was another office within XXXX, I was confused, and asked for clarification. Specifically, I asked questions to the effect of " Is this an office of XXXX?, '' " Is Phillips & Cohen a subsidiary of XXXX?, '' etc.
For not less than the first XXXX questions to this effect, the representative told me that yes, I was speaking to someone who was an employee of a subsidiary of XXXX. Based on this information and belief, I then proceeded to divulge personal details - including, but not limited to my name, address, and social security number ( or a portion thereof ).
After divulging this information, I was informed that the representative was attempting to collect a debt on behalf of " Portfolio Asset Group, '' and that I was not, in fact, speaking with someone who had any connection to XXXX. I was told that PCA is not in any way affiliated with XXXX, even though this directly contradicted the information provided mere seconds earlier by the same representative. I asked whether or not the representative had properly understood my earlier questions - asking things like " do you [ the representative ] understand the definition of the work 'subsidiary '? '' Each time, I was told that the representative had understood my queries, and had proceeded to provide incorrect information anyway.
I believe that in this conversation, an agent or employee of PCA did violate the FAIR DEBT COLLECTION PRACTICES ACT. Specifically, I believe the following provisions were violated:1. 15 U.S.C. 1692 ( e ), Paragraph 10 - " The use of any false representation or deceptive means to collect or attempt to collect any debt or to obtain information concerning a consumer ; '' and2. 15 U.S.C. 1692 ( e ), Paragraph 14 - " The use of any business, company, or organization name other than the true name of the debt collector 's business, company, or organization. " Further, I believe that each utterance of a knowingly false statement by an agent or employee of PCA does constitute a separate violation. I encourage PCA to review their recording of the infringing conversation and tally the infractions themselves. Under no circumstances do I believe there to have been fewer than XXXX ( total ) violations of 15 U.S.C. 1692 ( e ).
Additionally, I believe that in this conversation, an agent or employee of PCA did violate provisions of 209 CMR 18.00 ( " CONDUCT OF THE BUSINESS OF DEBT COLLECTORS AND LOAN SERVICERS '' ), specifically:1. 209 CMR 18.16 ( 10 ) - " The use of any false representation or deceptive means to collect or attempt to collect any debt or to obtain information concerning a consumer. " 2. 209 CMR 18.16 ( 14 ) - " The use of any business, company, or organization name other than the true name of the debt collector 's business, company, or organization. " Again, I believe that each utterance of a knowingly false statement by an agent or employee of PCA does constitute a separate violation. I encourage PCA to review their recording of the infringing conversation and tally the infractions themselves. Under no circumstances do I believe there to have been fewer than XXXX ( total ) violations of 209 CMR 18.16
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| 08/06/2019 |
Yes |
- Checking or savings account
- Checking account
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- Managing an account
- Deposits and withdrawals
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|
Web |
Older American, Servicemember |
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I am a XXXX-year-old 100 % Service-Connected XXXX XXXX Veteran. My wife was admitted to an XXXX unit on XX/XX/XXXX for total XXXX XXXX. I buried my oldest son, an XXXX XXXX Veteran on XX/XX/XXXX after burying his younger sister on XX/XX/XXXX.
Last year on XX/XX/XXXX, hackers got my personal information from the dark web and hacked my XXXX checking account. Once in the account, they made deposits and wrote checks until the balance was at a negative {$25000.00} balance. Then XXXX closed the account but left it open FOR DEPOAITS ONLY. They took my total deposits of Social Security, VA XXXX , XXXX XXXX and XXXX XXXX pension for the next three months and applied it against the negative {$25000.00}. The hackers saw that XXXX was connected to my local bank XXXX XXXX and they made deposits and withdrawals and left that account with a negative {$4900.00}. Both banks closed the accounts and sent to negative balances to XXXX XXXX for immediate collection. I was in the middle of a Chapter XXXX. When I couldnt make the payment, the trustee dismissed my Chapter.
I reported the incident to the local police who told me they would take the complaint, but they would not investigate. I reported the incident to the Indiana Attorney General, Case Number XXXX. XXXX convinced the Indian Attorney that they had my voice on record giving the hackers the right to deposit {$14.00} XXXX to my account. Since I had given them permission to enter my account, I voided my Fraud Protection and FDIC insurance. I have changed my telephone number at least four times since XXXX.
After the XXXX hack job, I began blocking ever telephone call that I didnt recognize. The hackers broke into my XXXX XXXX XXXX XXXX ( XXXX ) Checking Three time. XXXX XXXX worked with me, changed my checking account at least four times and my Debit card at least six times. Since the hackers were unsuccessful in contacting me by telephone, in XX/XX/XXXX, they sent here local venders to my home with products I didnt order : XXXX XXXX, A XXXX XXXX to remake the keys for my car and a XXXX to fix a leak in my bathroom. There instructions were to deliver the produce and get me on their telephone so they could talk to me. I told each vender to hang up immediately and report that person and telephone number to the local police and FBI.
When I didnt answer their telephone calls, they had the legal firm XXXX XXXX XXXX XXXX, XXXX, Mail Stop : XXXX XXXX XXXX XXXX XXXX, DE XXXX send me an official letter requesting the executor to my estate. Reference # XXXX, Pin # XXXX. I will fax you a copy of the letter. The executor is to call that information to ( XXXX ) XXXX and enter the reference number and pin. I am sure thee are the same people who hacked my accounts in XX/XX/XXXX. They have all of my personal information from the Dark Web.
It would appear to me that with the information required to file a Death Certificate, the individuals can be identified. These hackers need to be caught and put into jail.
Respectfully, XXXX XXXX XXXX
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| 11/08/2016 |
Yes |
- Debt collection
- Credit card
|
- Cont'd attempts collect debt not owed
- Debt is not mine
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|
Web |
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Phillips and Cohen first contacted me by phone in early 2009, claiming they had been hired by XXXX Bank to collect on XXXX separate credit card accounts for deceased " XXXX XXXX '' ( my grandmother ) and that they were seeking info on identity of any probate lawyer, executors etc.
The person who called a " XXXX XXXX '' would only give them the last XXXX digits of the alleged account numbers.
I gave " XXXX XXXX '' the info I had on XXXX of the last people I knew to be XXXX of XXXX attorneys and told her I would not give them any more information until they confirmed to me the actual existence these accounts with a copy of the applications and all statements for the time the accounts were in effect., proof that they were indeed hired by XXXX and so forth.
She claimed they were not allowed to tell me anything else, so I told her that I would say no more until they did and that they should just call the lawyer then.
A few months later, someone else called from this outfit, telling me she wanted me to confirm the information I had given them the first time.
She claimed person who had first called me by name of " XXXX XXXX '' was no longer working there.
I refused and told her I had never been sent anything I had requested and that XXXX Bank denied hiring them.
There were no more calls that I am aware of, but instead I received a letter for XXXX of the accounts addressed to " XXXX XXXX '' not " the estate of '' etc. That letter came from a different address than the XXXX in XXXXXXXX I had first been given.
I also asked this woman why they were pulling MY credit for an account of relative.
She denied it happened. I told her I could send a copy of my credit report, but she claimed there was no reason to do so since they did not pull it, she insisted and refused to give me her contact info.
I later found an email address for people at thus company and wrote them a detailed explanatory email demanding an explanation to all these issues and once again, the copies of the info I had requested.
It was ignored.
The letter sent is dated XXXX 2009 and is after my speaking to them twice on the phone.
I contacted XXXX Bank multiple times over this matter, but they refused to help, insisting they had never hired PC and therefore there was nothing for them to do, and refused to give me an explanation as to how PC somehow was able to get the info on these accounts if they were never assigned or sold the accounts By XXXX.
Enclosed is a copy of the XXXX demand letter that came in the email.
The address of the office that contacted me is XXXX XXXX XXXX, XXXXXXXX XXXX, different than the XXXX on the letter.
I did an internet search on phone number XXXX and it did not show up as belonging to PC and oddly area code XXXX listed in their fax number is apparently XXXX, not XXXX or XXXX listed on the letter.
Also related to this matter are XXXX previous complaints I filed against XXXX bank, numbers XXXX and XXXX.
|
| 01/20/2016 |
Yes |
- Debt collection
- I do not know
|
- Disclosure verification of debt
- Not disclosed as an attempt to collect
|
|
Web |
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i received a letter with no return address, addressed to my estate. the letter read that I was deceased and my estate information needed to be turned over to them to handle my bills. I called the XXXX number listed on the letter and a man answered. I gave him the reference number on the letter, told him i was not deceased and what was the letter regarding. the gentleman kept repeating his name and that all calls were monitored and proceeded to ask my personal information. i gave him the reference number again and asked him to identify whom he was representing before i gave any additional information. he continued to stammer and did not tell me anything outside of his name. I told him that this was a tactic to collect a debt and to open contact with me as by then i had gone through my cell phone call log and found the exact number called me 82 times in one week, but it was blocked per my request from my cell provider. I told him to refer me to a supervisor or someone who could tell me what was going on and why they use such a morbid tactic to gain my information. he said i could not and i hung up and called again. The next agent did not identify herself, simply answering " hello? '' I explained the situation and she asked for my information again. i refused and asked her to identify herself or transfer me to her superior, she refused. i gave her the reference number and she said she would remove my name from their list. I asked her what list and informed her that if she is acting as a debt collector, she has to tell me who the debt originated from. she refused and i ended the conversation. This company sent me a letter saying i was deceased and to turn over my financial information, never did they say who the original creditor was or the amount of the debt. This was an attempt to gain my information as means to collect a debt which they never identified.This company called me XXXX times over the course of a week, if they were under the presumption i was dead, why bother? the company name is Philips, Cohen and Associates XXXXXXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX DE XXXX XXXX ( XXXX ) XXXX reference # XXXX
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| 06/04/2023 |
Yes |
- Debt collection
- I do not know
|
- False statements or representation
- Impersonated attorney, law enforcement, or government official
|
|
Web |
|
|
On XX/XX/2023 at XXXX XXXX EDT, I received a call from XXXX. The woman calling said she was with XXXX & XXXX ( who appears to be a debt collecting company if we are to believe their website ). She asked me to confirm whether XXXX XXXX XXXX XXXX has passed away. As this is my father and he did recently pass away, and as my brother and I are managing his affairs, I said yes. Then she asked if I was the executor for my dad, and I said no, that's my brother. She started asking for his information. I asked her point blank who she's representing and what this is about, but she made it sound like some laws prevented her from giving any further details to anyone but the executor. She immediately said, " So what's your brother 's phone number? '' to which I reflexively gave it to her, then immediately regretted it and went to warn my brother.
About a week later ( XX/XX/2023 ), they had somehow obtained my brother 's mailing address as he received a letter telling him to contact them as they are seeking the executor on behalf of their client, whom they still did not disclose. ( I have attached an image of that letter to this complaint. ) Two days later ( Thursday, XX/XX/XXXX ) I received an email from them telling me to get in touch about the issue. ( I have attached a copy of this email to this complaint. ) My email app suggested that the email was part of a mailing list and gave me the option to unsubscribe, which sounded fishy. Also, my brother and I had already been managing my dad 's affairs been extremely efficient and proactive about managing our father 's affairs, so it seemed fishy.
I just googled their " XXXXXXXX XXXX XXXXXXXX '' and the word " scam '' and found numerous 1 star reviewers of this company on the XXXX XXXX XXXX website suggesting the same pattern of scammy behavior with other folks who recently lost a loved one : ( XXXX XXXX XXXX ).
I suspect I hope you can go after these folks and shut them down- this is the ultimate unethical behavior - preying on people who have just lost a loved one - despicable!
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| 07/24/2019 |
Yes |
- Debt collection
- Credit card debt
|
- Took or threatened to take negative or legal action
- Threatened to arrest you or take you to jail if you do not pay
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|
Web |
|
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Re : XXXX XXXX Credit Card Account with XXXX XXXX This CC was current until a financial hardship came about in XX/XX/XXXX. Began working part-time XX/XX/XXXX and paid here and there amounts but not enough income to continue paying minimum due to keep card current. At this time the debt incurred was approximately {$1800.00} give and take a few dollars. I contacted XXXX XXXX to inform them of the hardship and that I was not able to pay. They continued to hound me but still could not pay. The account was closed but XXXX continued to add on fees after I informed them that I was trying to catch up.
Now XXXX has sold the account to a collection agency named PCA Acquisitions V LLC. This company legal team named XXXX XXXX XXXX XXXX are suing me for an amount of {$3200.00} by way of the local XXXX County, Georgia magistrate court. I have answered once as XX/XX/XXXX and spoke with a representative at XXXX XXXX to consider paying back the {$1800.00} charges but not the after fees after the account was closed and charged off. I am asking FTC to please assist me with this because I refuse to hounded by the court system for fees that I did not occur after I did my part by staying in touch with them back in XXXX about my financial situation. My history before the financial hardship shows that I was willing to pay the debt incurred. The financial hardship came due to a family emergency where I had to reduce work from full-time to part-time. I have written letters to XXXX XXXX as of last year XX/XX/XXXX, XXXX XXXX referring to the {$1800.00} debt. Also, XX/XX/XXXX, I contacted the law firm at XXXX and spoke to XXXX XXXX to inform them that I am willing to pay back the {$1800.00} only. I agreed to {$300.00} dollars a month but did not hear back about where, when, and what to send the payment.
|
| 04/28/2015 |
Yes |
- Debt collection
- I do not know
|
- Communication tactics
- Used obscene/profane/abusive language
|
|
Web |
|
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This debt is disputedIt has also come to my attention that you are in violation of XXXX XXXX Code XXXX - Unfair practices ( XXXX ) Causing charges to be made to any person for communications by concealment of the true purpose of the communication. Such charges include, but are not limited to, collect telephone calls and telegram fees. It is to be noted that there are XXXX addresses on the XXXX letter received.
XXXX. XXXX XXXX XXXX XXXX, XXXX XXXX. Phillips & Cohen Associates , Ltd .
Mail Stop : XXXX XXXX XXXX XXXX XXXX, DE XXXX. Phillips & Cohen Associates , Ltd .
XXXX XXXX XXXX XXXX, DE XXXXListing XXXX addresses on a letter and expecting an unsophisticated consumer to correctly deduce which address a response needs to be sent to causes unnecessary confusion. Does the consumer respond in writing with the cost of postage to XXXX of the addresses, XXXX out of XXXX of the addresses or all XXXX of the addresses? In addition, this practice causes unnecessary expense if the consumer is required to respond to all XXXX addresses. These additional costs can be rather high if the correspondence is XXXX. registered or certified, and if not XXXX. registered or certified it might be possible for this debt collector to claim never receiving a response. An internet search reveals that XXXX XXXX XXXX, XXXX serves as the President and Chief Operating Officer of Phillips & Cohen Associates, Ltd. with the same address as Phillips & Cohen Associates, Ltd., XXXX XXXX XXXX, XXXX, DE XXXX ; therefore, I 've sent XXXX correspondence to XXXX XXXX XXXX, XXXX. at above said address and XXXX correspondence to Consumer Financial Protection Bureau, XXXX. XXXX XXXX, XXXX, XXXX XXXX by XXXX by standard mail ; to report this disputed debt and violation of XXXX XXXX Code XXXX ( XXXX ).
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| 05/30/2023 |
Yes |
- Debt collection
- Credit card debt
|
- False statements or representation
- Attempted to collect wrong amount
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|
Web |
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PCA Acquisitions, V, LLC filled a case against me through XXXX XXXX XXXX XXXX XXXX ( XXXXXXXX XXXX ) in XXXX and I just received a summons from the sheriffs department on XX/XX/XXXX, threatening to serve me at home or my place of work. All information they presented is very inconsistent with the paperwork I have dating from XXXX and send to the debt consolidation company ( XXXX XXXX ) in XXXX, which was when the debt occurred. In summary, there was XXXX different account numbers with XXXX different amounts. Also, there is nothing reflecting in any of my 3 credit bureaus for this collection agency, XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. Timeline is as follows : On XX/XX/XXXX a letter was written to me from XXXXXXXX XXXX stating the card ending in XXXX was sold to XXXX XXXX XXXX. XXXXXXXX XXXX Amount is XXXX. Stated it sold on XX/XX/XXXX.
Statute of limitations is 5 years. This would put max collections at XXXX, if I am tracking correctly.
This was sent to XXXX XXXX on XX/XX/XXXX.
On XX/XX/XXXX received email from XXXX stating debt for XXXX XXXX ( XXXX ) was added to plan.
Letter received from XXXXXXXX XXXX XXXXXXXX on XX/XX/XXXX sold to PCA Acquisitions jumping to XXXX and ending in XXXX. A copy of this letter was sent to XXXX on XX/XX/XXXX.
Received letter from XXXX XXXX XXXX on XX/XX/XXXX to pick up documents, which I did on XX/XX/XXXX. Documents reflect old statement balances from XXXX of XXXX with account ending in XXXX.
XXXX letters/statements : Different Account # s and Different amounts XXXX XXXX Acct. XXXX {$690.00} PCA Acquisitions Acct. XXXX {$820.00} XXXX XXXX XXXX XXXX XX/XX/XXXX Acct. XXXX Balance {$780.00}
|
| 08/22/2017 |
Yes |
- Debt collection
- I do not know
|
- Attempts to collect debt not owed
- Debt is not yours
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|
Web |
|
|
I received a letter from Phillips Cohen and Associates Ltd. on XX/XX/XXXX. The letter was dated XX/XX/XXXX. On XX/XX/XXXX I was shopping at XXXX XXXX and learned my account was frozen due to probate estate issues alleged by the aforementioned debt collector. I called the company but they were closed for the weekend. On Monday XX/XX/XXXX I called the company and was informed the collector was under the impression I was deceased. The person I talked to was a manager named XXXX, while talking to him I informed him I was not deceased. XXXX never informed me why or how his company reached this decision. He did say he would contact XXXX credit department and resolve the issue. He then gave me a number to call. The number was for XXXX XXXX probate department. I received more information from the representative from XXXXXXXXXXXX than I did from XXXX at PCA Ltd. The representative informed me my name got mixed up with my father who is a XXXX and I 'm a XXXX. I did not use the XXXX in my name, so thus the confusion. My complaint is freezing accounts without prior notice and not fully investigating who I was would have shown this was a non issue. I ca n't figure out why social security numbers were n't used to solve the issue before freezing accounts. This company has many complaints at the FDCPA. I was humiliated and embarrassed when my card was denied. I had available credit but account was frozen. PCA Ltd. seems to think this is normal business practice. I feel it must be business as normal if they 're never made to account for their actions. It is my hope no other consumers experience this humiliation.
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| 06/14/2022 |
Yes |
- Debt collection
- I do not know
|
- Communication tactics
- Called before 8am or after 9pm
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|
Web |
|
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I was called at XXXX on XX/XX/XXXX from Phillips & Cohen Associates LTD , A Debt Collection Company, Looking for Another Person. When the Call took place, I was in bed sleeping and was woken up by the phone call, so I missed that call, So I got up and made the return call at XXXX. When I called back, a rep answered the phone and asked for my name, I told them my name was XXXX and they Hung up the phone. I called back and spoke to another Rep, They answered and asked for another person ( XXXX XXXX, my Ex Wife ) immediately, I replied I was not that person, but that was the wrong number, They also then just hung up. I called back again and spoke to another Rep who then explained they were a collection agency and they were looking for another person. I informed him that I was not that person and that they were breaking the law by calling people so early waking people up, he replied that they called for the time zone for another person and it didn't matter what my time zone was that my phone numbers Area Code is part of another time zone so they can call within the hours of that time zone. I have reported this infraction to a Dept Manager for that company XXXX XXXX. I can show proof of Calls with Phone Records.
XX/XX/XXXX Original CFPB Complaint # XXXX, XXXX system closed original complaint because they thought I didn't file complaint. My name is XXXX XXXX and I am filing a complaint against Phillips & Cohen Associates LTD for Breaking the Law ( Fair Debt Collection Act ).
|
| 12/20/2022 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
|
- Incorrect information on your report
- Information belongs to someone else
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|
Web |
|
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To Whom It May Concern : PCA never provided competent evidence that I have a legal obligation to pay them.
Including but not limited to 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 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 that you are licensed to collect in my state ; Provide me with your license numbers and Registered Agent In addition their offices have reported invalidated information to the XXXX 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 of the company that you represent I will not hesitate in bringing 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 Consequently, any negative information must be removed immediately pending validation!
If your offices are able to provide the proper documentation as requested in the following Declaration, I will require at least 30 days investigating this information and during such time all collection activity must cease and desist.
|
| 04/24/2021 |
Yes |
- Debt collection
- Credit card debt
|
- Written notification about debt
- Didn't receive enough information to verify debt
|
|
Web |
|
|
I have reported my concerns and my problem to the better business bureau, the consumer financial bureau, XXXX XXXX XXXX, The Office of the Comptroller of the Currency ( OCC ), and the Consumer Financial Protection Bureau. I have not heard anything back from XXXX Bank. No one affiliated with the Bank has tried to call me back by, email and I didnt even receive any mail communication. I am planning to do whatever it takes to have this establishment fix its mistakes and I am not going to settle this negligence until I receive a call back from one of XXXXXXXX XXXX XXXX with an apology and resolution to lower the interest rate on my account, remove monthly fees after reopening my account after removing the negative reporting to XXXX major credit bureaus ; XXXX XXXX XXXX XXXX
I will be waiting to hear from XXXXXXXX XXXX XXXX, and I am more than willing today and, in the future, to take their calls and listen to what they have to offer to resolve this issue.
Lastly, I received a letter from a collection agency to which XXXXXXXX XXXXk sold the debt to, and I reached out to them via USPS mail, and via email twice and I havent heard back.
I can always provide proof of these communications when/if needed. This is the name of the collection agency that reached out to me ; Phillips & Cohen XXXX XXXX XXXX XXXX, XXXX, DE XXXX ) and their email is ; XXXX XXXX
|
| 07/15/2016 |
Yes |
- Debt collection
- Credit card
|
- Disclosure verification of debt
- Not given enough info to verify debt
|
|
Web |
|
|
This is a complaint from XXXX XXXX against Portfolio Asset Group for Portfolio Asset Group 's failure to provide requested information for the debt alleged. On XXXX XXXX, 2016, consumer, XXXX XXXX, received a demand letter from creditor, Portfolio Asset Group. On XXXX XXXX, 2016, consumer ( through legal counsel ) responded with a written request for documentation, including the following : a. Signed copy of the original contact ( s ) ; b. Any notice ( s ) of assignment or receipt of sale of the debt alleged ; c. Any notice ( s ) of delinquency ; d. Ledgers/spreadsheets/accounting statements showing how the debt alleged was accrued ( including any fees and interest charges added to this debt ) ; e. A copy of your debt collection rights license ; f. Proof that you are licensed to collect this debt in Arizona ; and g. Any other documentation which tends to show validity.
It has been over a month since this request, and we have received no response. Creditor 's failure to respond to a consumer 's good faith request for documentation makes it impossible for the consumer to make an informed decision regarding the debt alleged. This is a violation of USC 1692, and other federal acts which require lenders and debt collectors to act in good faith and refrain from unfair deceptive or abusive acts.
|
| 12/22/2018 |
Yes |
- Debt collection
- I do not know
|
- Took or threatened to take negative or legal action
- Sued you without properly notifying you of lawsuit
|
|
Web |
|
|
I received a certified letter dated XX/XX/2018 on or about the date of XX/XX/2018 from the Office of the XXXX County, NY Sheriff Civil Enforcement Section that an Income Execution directs me to pay 10 % of my gross income until the amount of {$1900.00} is paid off. The Letter states the first payment is due NO LATER then 20 days from the date of the letter-XX/XX/2018 and if I do not pay they will contact my Employer and garnish my wages.
I was not sent a letter of Judgment, Affidavit of Service or Served any documents or court papers regarding this amount.I do not know who the company which filed a judgement against me is not have I been provided any documents prior to the Income Execution and letter from the Sheriff 's Department demanding payment. The date the first payment they want from me is before I received the letter as well.
Included with the Sheriff letter was the income Execution from the Supreme Court Of The State Of New York County Of XXXX with my name as the judgement Debtor. This is the first time I received any communication about a judgment and I do not know who the company is that states I owe them money. I have never done business or spoken with to my knowledge of the people who want to Garnish my wages and make me pay them 10 % of my weekly gross income.
|
| 08/20/2022 |
Yes |
- Debt collection
- Credit card debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
Servicemember |
|
The company Philips & Cohen is trying to collect money from me that is not owed. I sent this to them last year and they stopped but now they are back at it.
Re : XXXX XXXX XXXXXXXX Account Number : XXXX Debt Collectors Account Number : XXXX Dear Phillips & Cohen Associates, Ltd 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. You are illegally attempting to collect an alleged debt and money that I do not owe. As per the law, cease and desist all collection activity, including credit reporting. Promptly request deletion of any prior credit reporting to credit reporting agencies. This letter will be provided to the Consumer Financial Protection Bureau ( CFPB ). The CFPB is authorized to investigate this matter and receive related information. If you fail to comply with this letter, I will turn the matter over to an attorney.
|
| 08/01/2023 |
Yes |
- Debt collection
- Credit card debt
|
- False statements or representation
- Indicated you were committing crime by not paying debt
|
|
Web |
|
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There was no listing for OTHER on the last question. They reported to credit reports that I was XXXX. They sent a letter to The XXXX of XXXX XXXX with condolences for my XXXX but, bill was still due. This company had to stoop to such a fraudulent level to try to collect {$900.00} or so bucks. Sadly, XXXX nor any of the others asked for any proof of XXXX. I thought the letter was a scam because there's nothing saying I'm XXXX so, how is a collector allowed to just make such a thing up just to force someone to contact the. I had to make numerous calls to XXXX to get it off my credit as I was wondering why I couldn't get a XXXX score. Looks like they don't give XXXX people XXXX scores and the account is flagged as well as if someone is doing something illegal. So, this company has caused me a lot of problems. Why is nobody asking them for proof when they list people as XXXX. Perhaps CFPB should look into how many others they've done this to and consider a class action. This behavior is fraudulent. I'd like for them to pay me for the problems they caused me as I'm sure their bill would be over the {$900.00} they used their underhanded tactics to secure payment for XXXX XXXX.
|
| 03/21/2023 |
Yes |
- Debt collection
- Credit card debt
|
- Attempts to collect debt not owed
- Debt was result of identity theft
|
|
Web |
Servicemember |
|
In XX/XX/XXXX Office of Personnel Management was hacked in which thousands of DoD employees information was stolen, I am one of those victims. I and my wife were both formally notified by the XXXX of the incident and given identity protection for two years. Beginning in midXXXX through now my wife and I have both been the victim of several credit theft with several attempts at withdrawing money from our savings account and attempting to open new credit cards through our bank, XXXX. Around XXXX XXXX I received a bill from XXXXXXXX XXXX XXXX claiming I open an account and now I owe them {$690.00}. I called their customer service several times and all they could tell me is I owe them money for an unknown purchase. I never requested a XXXX credit card ; I never received a XXXX credit card or monthly bill.
XXXX is now harassing me with constant demand letters from debt collectors such as XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX and XXXX XXXX XXXX XXXX XXXX. I have responded to each demand letter and all that XXXX does is utilize a different collection agency.
I'm also receiving debt demand letters for an induvial who I don't know and does not live at my address.
|
| 07/18/2023 |
Yes |
- Debt collection
- I do not know
|
- Communication tactics
- You told them to stop contacting you, but they keep trying
|
|
Web |
|
|
Debt collector called this morning on behalf of XXXX XXXX XXXX( XXXX? didn't know how to spell her own name, first spelled it with an XXXX then a XXXX I had to ask her to spell it multiple times, she didn't even want to give the name. I think she changed the last name too. I'd want to check the recording. ) given spelling was " XXXX XXXX '', No debt collector license number, said she holds no license. called at XXXX to harass me in violation of cease and desist and the ongoing fraud case and bankruptcy. hung up on first call since I was very rude since she called me while I was writing a complaint about XXXX and was in no mood to be harassed, I called back. she denied things that she has no basis to deny. ( no one owes you money. no one broke into your home ; she would have no way of knowing, and yes they did. police report and contracts show they did ) lied about things etcetera. Very very inappropriate and irritating call. I asked to speak to a manager, waited for 20 minutes, no manager available, will call back at XXXX pacific. ( XXXX now ) as the manager is in a " meeting '' but was told to call back at XXXX eastern. cease and desist.
|
| 12/22/2019 |
Yes |
- Debt collection
- I do not know
|
- Written notification about debt
- Notification didn't disclose it was an attempt to collect a debt
|
|
Web |
|
|
On XX/XX/2019 I checked my mail at XXXX XXXX XXXX, Unit XXXX in XXXX, NH. I opened a letter from Phillips & Cohen Associates, LTD. To my surprise the letter was addressed to the Estate of XXXX XXXX XXXX It read that this company recently learned that I was deceased and that it was trying to collect a debt from my estate.
I am not deceased. I have never represented to ANYONE that I am deceased nor has anyone else represented that I am deceased. How XXXX XXXX XXXX XXXX got this bad information is something I would very much like to know. I would also like to know who they represent as they referenced that their client notified them I was deceased.
I have no idea who their client is and there was no information in the letter to whom the debt was owed or the origination of the debt. There was also no information in the letter that I, or should I have been deceased, my estate had the right to dispute the debt. If I had been deceased my executor, who likely would have been close family member, would not have known that they had the right to dispute the alleged debt.
|
| 07/21/2020 |
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
|
|
Web |
|
|
I have an account with XXXX XXXX that was in collections with XXXX XXXX XXXX XXXX XXXX. XXXX XXXX XXXX XXXX XXXX. I paid a settlement amount of {$630.00} to them to settle out the account ( Ref # XXXX ). My representative is Mr. XXXX XXXX at extension XXXX. I paid this amount on XX/XX/XXXXand they were supposed to report this as settled but they just took it off the existing amount and failed to settle the account. I spoke to Mr. XXXX on five different occasions to solve this issue but they are refusing to do so. I have a letter from Mr. XXXX that in fact shows the account is settled but the credit bureaus will not update it as settled but they continue to show a remaining balance. I have disputed this with them at least 5 times but it still comes back each time as verified as accurate but it is not accurate. When you call XXXX XXXX to speak to someone about the account on their end it refers back to XXXX XXXX XXXX XXXX XXXX and back to Mr. XXXX. I am sick of this run around and I need them to settle this account which I have already paid for.
|
| 05/20/2022 |
Yes |
- Debt collection
- Credit card debt
|
- Written notification about debt
- Didn't receive enough information to verify debt
|
|
Web |
|
|
I wrote to Phillips and Cohen assoc ltd located in XXXX DE at the direction of XXXX as XXXX said they are no longer handling my debt on my credit report. I made sure I sent certified mail on 2 separate occasions. I sent them ( Phillips and Cohen ) a letter XX/XX/2022, and XX/XX/2022 and to XXXX themselves XX/XX/2022 and requested any sort of verification, validation, fee breakdowns, etc. No one has responded ever. I asked for them to validate and verify the debt as the amounts I owe are unclear and no one can seem to give me a breakdown of fees and no one is willing to help me. I can't even pay the debt if I wanted to yet it lingers on my credit report. i have also disputed this with the credit bureaus and they have failed to help either. They continue to lie that they verified this account - but that's not possible as the reporting is incorrect with an incorrect balance, it's been illegally re-aged, it's reporting current and has been closed for years.. No one will help. I need you to step in! THis is my credit and my livelihood.
|
| 06/05/2018 |
Yes |
- Debt collection
- I do not know
|
- Communication tactics
- Used obscene, profane, or other abusive language
|
|
Web |
|
|
A XXXX XXXX contacted our office and asked for ( head attorney ). I asked what is was in reference to, he said ( name of decedent ). ( Our office was indeed the law firm of record for the named decedent. ) I told him the attorney was unavailable and he left an ext. of XXXX and reference # XXXX. I identified myself and he pressed me for confidential details of the decedent : SSN, DoB, DoD etc. I told him I would not divulge any of that information and he became angry and combative. I told him to have a nice day and hung up.
Abusive and intentionally vague to the point of being disingenuous ( and I'm being polite ). Someone not working in a law firm may not be familiar enough with their rights and be bullied into providing these cretins with confidential information. Worse, they could be forced into settlement with a creditor to the detriment of the probate estate and, quite possibly, unintentionally breach their fiduciary duty to the beneficiaries of the decedent.
|
| 02/08/2019 |
Yes |
- Debt collection
- I do not know
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
Older American, Servicemember |
|
On XX/XX/XXXX, at XXXX XXXX, a call from XXXX left a voice mail on my cell phone. I couldn't quite understand the name, but it sounded like " the law office of Philips & Collins '', calling about an outstanding debt. I didn't hear this message until XX/XX/XXXX, because ( a ) I don't use my phone very much, and ( b ) I rarely receive a legitimate voice mail on my cell phone. I've received several of these " unpaid debt '' messages in the past, but I merely ignored them, because the fact that I have no outstanding debt is a dead giveaway that these calls are scams trying to steal people 's money. The message left instructions to call XXXX, XXXX XXXX, and inquire about reference number XXXX. I assume these con artists have called my home phone also, but I have XXXX there to block this kind of garbage. Thank you for going after these predatory low-lifes. Tar & feathers would be a suitable punishment for them, but jail is an acceptable alternative.
|
| 07/06/2017 |
Yes |
- Debt collection
- Credit card debt
|
- Attempts to collect debt not owed
- Debt was result of identity theft
|
|
Web |
|
|
The credit card was opened in XXXX of XXXX by internet. I am an identity theft victim and have identity alerts all over my credit bureau. There were to be no " NEW '' credit cards opened without calling me first! This credit card got opened without my knowledge and mailed to my old address. I moved from my old address in XXXX of XXXX to a new address. I have aggressively tried to work with XXXX of XXXX to resolve this issue and the have refused to work with me. When I finally realized this account was opened, I contacted them and reported it as fraud in XXXX of XXXX. They processed it as a blocked card and mailed me a new card which ended in XXXX. The first card ended in XXXX. They refused to fix their mistake. Since then they have sold it to a collection company. I will not be held liable for this identity theft! This bank is not willing to work with me
|
| 02/03/2016 |
Yes |
- Debt collection
- Credit card
|
- Improper contact or sharing of info
- Talked to a third party about my debt
|
|
Web |
|
|
Philips & Cohen contacted a family friend who is elderly ( XXXX yrs old ), recently lost her husband and is not linked to the debt in any way. They obtained her information via my credit file because her information is linked to me as a co-signer on a personal loan through a local bank that does not have anything to do with the credit card debt through XXXX that they are attempting to collect. I never supplied this person 's name as a contact or gave anyone permission to contact anyone on behalf of my debt. They called twice, the XXXX time when she answered the automated system asked if she were me and she pressed the key to indicate that it was n't me. The next day a live representative called her and stated that she was calling from Phillips & Cohen, she indicated that I do not live there and she does not want to receive any calls from their company
|
| 05/22/2020 |
Yes |
- Debt collection
- Credit card debt
|
- Attempts to collect debt not owed
- Debt was result of identity theft
|
|
Web |
|
|
I was victim of identity theft as a result of being homeless and did not have a physical address in 2012. Numerous accounts were open without my permission. The creditors calls and harass me daily for debt. I explained the set is not mines. They sent me some billing info with incorrect addresses and i explained are not mines. I was also told by the credit bureaus that my personal data was breached from the credit bureaus and i am still fighting that. I hired a credit repair company to help me with these disputes, as i am new to this. Per the credit bureau, this company reported addresses and phone numbers that are different from my actuals. They are not coorporating and states that they are willing to take a settlement as the account was frauduelantly opened. I don't know what else to do so i am finally coming to you guys for some guidance please.
|
| 11/17/2019 |
Yes |
- Debt collection
- Credit card debt
|
- Took or threatened to take negative or legal action
- Collected or attempted to collect exempt funds
|
|
Web |
|
|
On XX/XX/2019, a representative, XXXX XXXX, of Phillip Cohen Associates located at XXXX XXXX XXXX, XXXX, DE, XXXX phone number XXXX ext. XXXX contacted me at XXXX Hours Eastern Time and threatened me by way of stating that she, " will take you ( me ) to court and get a judgement against you ( me ) '' if I did not agree to make a payment to them. I had already informed her that I am on social security and I can not afford to pay. The representative repeatedly stated this until I said that I might be able to pay {$5.00}. At which time she began to belittle and berate me that she, " didn't know if that would be acceptable. '' When I requested a written letter about this debt I was informed that no written letter will be provided. I am reporting this to the CFPB because I fell that this type of coercion and abuse will continue if it is not reported.
|
| 01/24/2023 |
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
|
|
Web |
|
|
XXXX XXXX is accusing me of having an account with them. I first started sending them debt validation letters starting XX/XX/XXXX. XXXX XXXX responded XX/XX/XXXX, stating that they " received a internet application from me, on XX/XX/XXXX and the last payment on the account was on XX/XX/XXXX for {$630.00} ''. I sent XXXX XXXX a proof of contract letter on XX/XX/XXXX. XXXX XXXX responded on XX/XX/XXXX stating that " unfortunately the do not have a copy, paper copy or signature copy of any account with them. XXXX XXXX is Accusing me of a debt that I never had and they do not have proof of contract that I even applied for the services. To add to my hard times XXXX XXXX Negatively affecting my credit reports and score. They have now sold the debt to PCA Acquisitions V , LLC ( PCA ) XXXX XXXX XXXX XXXX XXXX XXXX Harassing me for a debt of {$520.00}.
|
| 10/22/2021 |
Yes |
- Debt collection
- Other debt
|
- Written notification about debt
- Didn't receive notice of right to dispute
|
|
Web |
Servicemember |
|
The collecting party is NOT THE ORIGINAL CREDITOR. I was never informed from either party of their being a debt that exist, let alone to be bought than sold to a third party, without any concern of keeping me informed. I never received any Debt Disclosure documentation requested XXXX.Please provide the consumer contract bearing my wet signature validating the debt claimed or quit claim language and remove the negative information from my credit report for i only will only deal with the original account creditor. Please provide gps location data at time of the purchased debt, Copies of Payoff Disclosure letter, Balance history, Credit Insurance Documents, If documentation can not be produced than remove the negative rating on my redit report or i will pursue litigation, informing CFPB.
|
| 02/10/2022 |
Yes |
- Debt collection
- Credit card debt
|
- Attempts to collect debt not owed
- Debt was paid
|
|
Web |
Servicemember |
|
I was enrolled on debt settlement program the agency made a settlement agreement to the debt collection agency XXXX XXXX XXXX XXXX XXXX the Settlement Agency paid the XXXX XXXX XXXX By monthly basis in the amount of {$180.00} for a period of 12 months a total of {$2100.00} which the payment was deducted from the funds. the agency collected. this fund came from a disability payment of my husband from his military service the {$2100.00} already receive by XXXX XXXX XXXX it means the payment agreement already completed. the XXXX XXXX XXXX XXXX did not take an action to remove the charge off as bad debt to the Credit Bureau and just ignore everything because they already receive a payment on their behalf, I don't have communication with this collection agency at all.
|
| 02/15/2019 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
Phillips and Cohen Associates LTD sent an " initial communication '' dated XXXX XX/XX/2018 to the Estate of XXXX XXXX looking to have " outstanding bills '' paid on behalf of their client. In accordance with U.S Code 15 Subsection 1692g this collection agency has a maximum of five ( 5 ) days to properly validate any debt and/or " outstanding bills '' due from an Estate after " initial communication ''. The agency did not comply to the Code and continues to harass the Estate and the Personal Representative thereof. I hereby demand that Phillips and Cohen Associates LTD cease all communication. I further demand that the agency not report any debt or delinquency to credit report agencies nor assign or sell said " outstanding bills '' to any other collection agency.
|
| 09/28/2023 |
Yes |
- Debt collection
- I do not know
|
- Took or threatened to take negative or legal action
- Threatened or suggested your credit would be damaged
|
|
Web |
|
|
CFPB, Get these panhandling frauds out of my inboxes. XXXX -- XXXX XXXXXXXX XXXX XXXX, XXXX All Rights Reserved XXXX XXXX XXXX XXXX, XXXX XXXX, NV XXXX XXXX : XXXX ( XXXX ) XXXX Email : XXXX All communications logged as harassment spam and forwarded to the appropriate agency, department, institution, et al, to assist informing lawsuits regarding any and all fraud and predatory revenue creation practices.
XXXX -- XXXX XXXXXXXX XXXX XXXX, XXXX All Rights Reserved XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX, NV XXXX XXXX : XXXX ( XXXX ) XXXX Email : XXXX All communications logged as harassment spam and forwarded to the appropriate agency, department, institution, et al to assist informing lawsuits regarding any and all fraud and predatory revenue creation practices.
|
| 10/14/2020 |
Yes |
- Debt collection
- Credit card debt
|
- Attempts to collect debt not owed
- Debt was paid
|
|
Web |
|
|
I routinely receive calls from XXXX XXXX XXXX. They leave name and last 4 of my social security number and state that they need to speak with me or my attorney and to -call them back at XXXX. Once I called back and spoke to a woman who stated it was an unpaid debt on a XXXX card. I have only had one XXXX 's card and it was resolved and paid via my debt Consolidator, with XXXX XXXX at XXXX and they arranged payment via Phillips & Cohen. The debt was consolidated and paid to the full agreement. I have been threatened that this will go to court, they are turning it to XXXX XXXX XXXX XXXX etc. I am tired of threats against something I have paid and resolved. I have given them my debt consolidators information XXXX times now and they just don't go away.
|
| 02/18/2022 |
Yes |
- Debt collection
- Credit card debt
|
- Attempts to collect debt not owed
- Debt was paid
|
|
Web |
|
|
I agreed to a settlement offer from Phillips & Cohen Associates and paid it on XX/XX/21. I just received a billing today saying I still owe {$930.00}. It says I have to call or write to dispute this. Why should I have to write them or call them and then trust they will get it right a second time? It's not that hard to be able to correctly determine if someone has paid a settlement agreement and to not harass them anymore. Just when you think you are done with them, they pop up again. There's no end even when you pay them! You can't be sending people bills they don't owe because you have bad recordkeeping. I know some people are scared of debt collectors and may just pay something they don't owe just to get collectors to go away.
|
| 07/02/2019 |
Yes |
- Debt collection
- Credit card debt
|
- Written notification about debt
- Didn't receive enough information to verify debt
|
|
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.
|
| 10/29/2022 |
Yes |
- Debt collection
- Credit card debt
|
- Written notification about debt
- Didn't receive notice of right to dispute
|
|
Web |
Servicemember |
|
phillips & Cohen sent me a letter in the mail attempting to collect a debt on or about the XXXX of XXXX. They tried to make it look as though they were doing me a favor by saying I could pay them 50 % or {$480.00} but I had to pay them by XXXX XXXX, 2022. They never made any attempt to verify or validate the debt, I never gave them or any of their partners permission to contact me about any debt, and they didn't even let me know that I had 30 days to dispute this IAW 15 USC 1692g. I only found this out after I started doing some research on my own. Then they even went so far as to threaten me and use bullying language at the end of the letter saying they would not cease collection activities until I payed the full amount.
|
| 06/30/2019 |
Yes |
- Debt collection
- Credit card debt
|
- Written notification about debt
- Didn't receive enough information to verify debt
|
|
Web |
|
|
I XXXX XXXX XXXX am in a position to file for a Chapter 7 bankruptcy. However, as a means of pursuing a reasonable procedure to get out of debt over the next year without such a drastic step, I am requesting very low settlements in the 20 % range of where my debts were at the last payment. Accordingly, I believe that I only have one chance at this, and if I do not start receiving settlement offers soon, I will retain the bankruptcy attorney I recently consulted. Therefore, I request letters of settlement, and I request the cease and desist from all calls to my home, cell and/or work. I desire to resolve these matters in written form only.
Thank you for your consideration in this matter.
|
| 07/31/2020 |
Yes |
- Debt collection
- I do not know
|
- Communication tactics
- You told them to stop contacting you, but they keep trying
|
|
Web |
|
|
This company is calling incessantly at which most times I do not answer. I did finally answer a call on XX/XX/XXXX or XX/XX/XXXX only to discover they were looking for my deceased EX-husband whom I divorced in XXXX. They asked if I knew who the executor of his estate is, to which I responded " NO ''. I told them to put me on their " do not call list '' and do not call me again. Then again today ( XX/XX/XXXX ) I received another call, different CSR, and told them I had already addressed the issue and AGAIN, do not call me again and put me on your " Do not call list ''. These people will not give up! I have had no contact with my ex-husband in over 27 years. They need to leave me alone!
|
| 11/15/2023 |
Yes |
- Debt collection
- Credit card debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
I am consistently receiving emails from Phillips & Cohen Associates, Ltd about a debt I do not owe. This company is also fraudulently claiming to be collecting this debt on behalf of XXXX XXXX which I also do NOT owe any debt. Even if I did owe a debt ( in which I do NOT ) I'm well aware that specific laws prevent debt collectors from collecting more money than they initially paid for the alleged debt. This is fraud and deceiving by means of misrepresentation. I would like Phillips & Cohen Associates, Ltd to cease and desist all communication with me through any and all medium affective immediately. Indefinitely.
|
| 07/09/2021 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Public record information inaccurate
|
|
Web |
|
|
Received a letter stating I was deceased from Phillips & Cohen. Then the they reported that I was deceased to the 3 credit bureaus. This is fraudulent information and I am not deceased. I have enlisted the services of an attorney and will be filing legal action of Phillips & Cohen doesn't contact each credit bureau and remove the " deceased '' comment from my credit files.
Additionally, I'd like to know where they got the information that I was deceased?
This seems to be illegal collection activity in an effort to collect a debt. Very shady.
|
| 01/23/2023 |
Yes |
- Debt collection
- Credit card debt
|
- Attempts to collect debt not owed
- Debt was paid
|
|
Web |
|
|
Phillips & Cohen Associates , LTD. have acknowledged that Debt was paid, but have failed despite numerous contacts to submit Satisfaction of a Claim they filed in an Estate. As a result, their actions are causing the Estate to incur additional expenses and fees, Debt was paid in full XXXX. Phillips & Cohen indicated on XXXX it would file Proof of Satisfaction of Calim with Court. It did not do so. On XX/XX/2023, Phillips & Cohen again indicated that it would file satisfaction of the Claim within a week to 10 days. As of XXXX nothing filed.
|
| 03/05/2016 |
Yes |
- Debt collection
- Credit card
|
- Disclosure verification of debt
- Not given enough info to verify debt
|
|
Web |
|
|
Beginning at the end of XXXX, I have been trying to settle an old charge-off debt for a XXXX credit card that was charged off some time ago. Repeatedly, I have called to XXXX XXXX associates and XXXX XXXX, as well as XXXX bank. Each sends me to the other, stating that the account has been sent to the other or that it has not been entered to their office yet. I have called XXXX and XXXX repeatedly. I 'd really like to just settle this debt, but over the past month, it has proven nearly impossible. ( Note name on account is XXXX XXXX )
|
| 02/08/2022 |
Yes |
- Debt collection
- I do not know
|
- False statements or representation
- Impersonated attorney, law enforcement, or government official
|
|
Web |
|
|
My mother passed away recently. A letter came to the house from Philips & Cohen Associates stating that the client they represent is trying to get ahold of the estate or executor of my mother to resolve a debt. In the letter, they did not say whom the client was or what the debt was. It just had a phone number to call and a PIN number to give to reference the letter. Upon research, the company is a scam. They make it seem like theyre a law firm but it is not. They didnt say whom their client was or what the debt was from.
|
| 04/20/2018 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
Ever since my aunt tragically passed away, this company + number began calling me ( sometimes multiple times per day ). Amazingly fraudulent and annoying. I ( with a perfect - and frozen - credit report, which I very closely monitor ) owe no debts anywhere, but these calls keep coming ; presumably attempting to somehow extract money from me using my aunt as a connection ... it's a shame that other folks who are less sophisticated / fearful might actually fall for this. Shocking that there is no way to block ...
|
| 05/09/2016 |
Yes |
- Consumer Loan
- Vehicle loan
|
- Problems when you are unable to pay
|
|
Web |
|
|
I had a vehicle that was repossessed, for failure to make payments as agreed.
The vehicle was sold by the bank ; but not for the amount in which they were expecting.
So, they expect me to pay the difference. Now keep in mind the vehicle was taken from me so I feel that all legal obligation to repay the difference is not my responsibility.
I have a collection company that is hounding me to pay the difference.
I feel that this is not fair to me, and I refuse to pay the cost.
|
| 08/07/2023 |
Yes |
- Debt collection
- I do not know
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
I recieved a notice in and around the second week of XXXX of 2023 from Phillips & Cohen Associates , Ltd . Claiming that I owe an alleged debt to PCA Acquistions V LLC.
I have never done business with them at all. I have a dispute letter that I will send to them via mail. I have questions for them regarding the alleged debt and question its validity, I need proof of their claims.
The alleged debt amount is : {$5600.00} I will attach what they sent to me in this complaint.
|
| 08/04/2023 |
Yes |
- Debt collection
- Credit card debt
|
- Attempts to collect debt not owed
- Debt was paid
|
|
Web |
|
|
I have repeatedly ( 4 times ) informed the caller XXXX XXXX XXXX Cohen & assoc. that there is no outstanding debt to be paid since I settled it with the XXXX company. He has refused to follow up on this information and continues to harass me by telephone as he attempts to commit blatant fraud. This debt was paid in full to XXXX XXXX in XX/XX/23. I confirmed that the account was settled with no remaining outstanding balance owed in XX/XX/23
|
| 12/15/2020 |
Yes |
- Debt collection
- Auto debt
|
- False statements or representation
- Attempted to collect wrong amount
|
|
Web |
|
|
I received a letter in the mail from a new Collection agency called Phillips and Cohen Associates. I previously sent in a complaint against XXXX XXXX who also had XXXX XXXX XXXX sending letters requesting a different amount that is reflecting on my credit report. I would like this account to be deleted with all credit bureaus. The amount that is being reported is {$6700.00} but now the new Collection agency is asking for {$3600.00}.
|
| 05/19/2022 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Improper use of your report
- Reporting company used your report improperly
|
|
Web |
|
|
In accordance with the fair credit reporting act XXXX Acct. # XXXX has violated my rights.
15 USC 1681 Section 602 States I have the right to privacy 15 USC 1681 Section 604 A Section 2 : it also states a consumer reporting agency can not furnish a account without my written instruction.
15 USC 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose.
|
| 07/24/2023 |
Yes |
- Debt collection
- I do not know
|
- Communication tactics
- You told them to stop contacting you, but they keep trying
|
|
Web |
|
|
XXXX XXXX XXXX XXXX called XXXXXXXX XXXX XXXXr. XXXX XXXX does not accept personal calls. XXXX XXXX requested agency 's address to send a formal notice that personal calls are not accepted. Agency refused to provide. Agency stated they had no compliance department and no supervisor. Agency claimed corporation was " harassing '' it by stating that they were violating the FDCPA by not providing accurate contact information.
|
| 09/02/2023 |
Yes |
- Debt collection
- I do not know
|
- False statements or representation
- Impersonated attorney, law enforcement, or government official
|
|
Web |
|
|
I was contacted by Phillip & Cohen Associates Ltd. and PCA Acquisitions V , LLC stating I owed an alleged debt, I have disputed the validity of the alleged obligation requesting verification however it was not provided. I deny any and all Alleged obligations. Pursuant to Fair Debt Collection Practices Act I have been violated numerous times.
Attachments have been provided for further details
|
| 09/02/2023 |
Yes |
- Debt collection
- I do not know
|
- False statements or representation
- Impersonated attorney, law enforcement, or government official
|
|
Web |
|
|
I was contacted by XXXX XXXX XXXX XXXX XXXX and PCA Acquisitions V , LLC stating I owed an alleged debt, I have disputed the validity of the alleged obligation requesting verification however it was not provided. I deny any and all Alleged obligations. Pursuant to Fair Debt Collection Practices Act I have been violated numerous times.
Attachments have been provided for further details
|
| 01/08/2016 |
Yes |
- Debt collection
- I do not know
|
- Disclosure verification of debt
- Not disclosed as an attempt to collect
|
|
Web |
Older American |
|
sOMEONS FROM pHILLIPS COLD CALLED IN REFERENCE TO MONEY OWED. hE WOULD NOT IDENTIFY HIMSELF OR THE NATURE OF HIS CALL SO I HUNG UP. tHE NUMBER ON MT cALLER I d WAS XXXX AND THE NAME WAS pHILLIPS. I LOOKED THIS UP ON THE INTER NET AND FOUND THAT THIS COMPANY HAS NUMEROUS COMPLAINTS FILED AGAINST IT. wHY HAS NOTHING BEEN TO STOP pHILLIPS FROM harassing PEOPLE?
|
| 02/24/2022 |
Yes |
- Debt collection
- Credit card debt
|
- Written notification about debt
- Didn't receive enough information to verify debt
|
|
Web |
|
|
On XX/XX/22 received a letter stating I owe a certain amount to a creditor, however, does not contain debt validation. They state I owe {$2000.00}. I have no intention on paying this debt as it does not belong to me nor is there a contract that I signed with creditor. They did not provide a copy of original creditor having my signature on that contract
|
| 03/18/2017 |
Yes |
- Debt collection
- I do not know
|
- Improper contact or sharing of info
- Talked to a third party about my debt
|
|
Web |
|
|
My grandmother XXXX in XX/XX/2016. My in laws are now all getting calls from XXXX trying to locate the executor and get paid for a debt my grandmother held. These people are in no relation to her nor am I even the person to contact for this let alone my in laws.
They called her and hassled her making my XXXX very uncomfortable.
|
| 05/14/2020 |
Yes |
- Debt collection
- Credit card debt
|
- Communication tactics
- You told them to stop contacting you, but they keep trying
|
|
Web |
|
|
I have a company called philips and cohen whos address is XXXX XXXX XXXX, XXXX, deleware XXXX with the phone number XXXX. This company call me daily and on my cell phone. I have asked them repeatedly not to call me at work. They call me once or twice a day at work. They have called old work numbers and badgered my co workers.
|
| 06/08/2023 |
Yes |
- Debt collection
- Credit card debt
|
- Communication tactics
- You told them to stop contacting you, but they keep trying
|
|
Web |
|
|
My mother passed away in XX/XX/2023. She did not have a will or any assets. I notified all of her creditors of this and returned all documents sent will a cease and desist note attached. This one lawyers office Phillips Cohen after the letter and being told to cease and desist repeatedly, the phone calls Keep coming.
|
| 10/31/2018 |
Yes |
- Debt collection
- Credit card debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
This debt collection company is already strong arming attempting to collect a debt for my deceased mother who has not even been in the ground for 60 days. They can be advised of the following : No known executor exists, no known liquid assets exist, I am not responsible for the debt of my deceased mother.
|
| 03/29/2019 |
Yes |
- Debt collection
- I do not know
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
This is an unsubstantiated, alleged debt with XXXX XXXX, who has now sold/handed over my alleged debt to Phillips & Cohen Assoc. Ltd without any merit, verification, documentation, etc. There is no debt. I refuse a debt exists. A formal complaint was filed with CFPB ( XXXX ) on this same alleged debt.
|
| 09/29/2016 |
Yes |
- Debt collection
- I do not know
|
- Cont'd attempts collect debt not owed
- Debt is not mine
|
|
Web |
|
|
I receive calls from XXXX several times per day. I answer the phone and it is a computerized voice saying this is an attempt to collect a debt and to please wait while they connect me. Then the phone goes to a very fast beeping tone. I am never connected to anyone and then they hang up.
|
| 08/15/2015 |
Yes |
|
|
|
Web |
|
|
Phillips & Cohen Associates , Ltd / XXXX XXXX XXXX has consistently reported erroneous Acct. # XXXX for the amount of {$860.00} on my credit profile for a credit card debt I do not owe. They must delete it from my credit profile with deliberate speed.
Thank you!
|
| 04/27/2018 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
|
- Getting a credit card
- Card opened as result of identity theft or fraud
|
|
Web |
|
|
I tried to call XXXX XXXX because I notices this fradulent account and they didn't discuss it with me then sent me to thier debt collector who doesn't have the information I wanted.i never opened this account.
|
| 03/04/2021 |
Yes |
- Debt collection
- Auto debt
|
- False statements or representation
- Attempted to collect wrong amount
|
|
Web |
|
|
XX/XX/2021 XXXX XXXX XXXX send me a letter trying to collect on the wrong amount.. I want this debt deleted off my credit cus its reported wrong payment history facts and the prices for the debt is different
|
| 09/29/2015 |
Yes |
- Debt collection
- Credit card
|
- Disclosure verification of debt
- Not given enough info to verify debt
|
|
Web |
|
|
I contacted Phillips and Cohen requesting debt validation on XXXX/XXXX/2015. This was my second request to get verification of this debt and they have ignored my request time and time again.
|
| 09/07/2023 |
Yes |
- Credit reporting or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Account status incorrect
|
|
Web |
|
|
Phillips and Cohen associate, Ltd.
i have requested debt validation from said company and i have yet to receive proper document to validate this alleged debt as provided by law.
|
| 02/13/2020 |
Yes |
- Debt collection
- I do not know
|
- Communication tactics
- Frequent or repeated calls
|
|
Web |
|
|
For the past 6 month, I have received unwanted calls each morning from a unknown collection company at phone ( XXXX ) XXXX trying to reach someone that I told them I do not know.
|
| 05/10/2018 |
Yes |
- Debt collection
- I do not know
|
- Written notification about debt
- Didn't receive enough information to verify debt
|
|
Web |
|
|
I received a letter from this company demanding that I pay them. To my knowledge I have never done business with company nor have they provided goods and or services to me
|
| 03/02/2023 |
Yes |
- Debt collection
- Credit card debt
|
- Communication tactics
- Frequent or repeated calls
|
|
Web |
|
|
I DONT NO WHO THIS COMPANY I HAVE NEVER DONE BUSINESS WITH THEM THEY ARE CONTACTING MY FAMILY MEMBER LOOKING FOR ME I HAVE NEVER HAD A CONTRACT WITH THIS COMPANY AT ALL
|
| 06/30/2015 |
Yes |
- Debt collection
- I do not know
|
- Cont'd attempts collect debt not owed
- Debt is not mine
|
|
Web |
Older American, Servicemember |
|
I received a false statement saying that my recently deceased Husband owed a third party some debt. My husband owed no one anything.
|
| 12/02/2015 |
Yes |
- Debt collection
- Credit card
|
- Disclosure verification of debt
- Right to dispute notice not received
|
|
Web |
|
|
Did not recieve dummy letter which allows me to ask them to validate the accounts. That is a violation of the FDCPA.
|
| 11/04/2015 |
Yes |
- Debt collection
- I do not know
|
- Communication tactics
- Frequent or repeated calls
|
|
Web |
|
|
They are contacting me regarding my deceased Sister-in-Law of which I have no financial obligation to pay her debt
|
| 06/28/2020 |
Yes |
- Debt collection
- I do not know
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
I received a letter from Phillips & Cohen Associates trying to collect an alleged debt that I do not owe.
|
| 04/17/2023 |
Yes |
- Debt collection
- Credit card debt
|
- Took or threatened to take negative or legal action
- Collected or attempted to collect exempt funds
|
|
Web |
|
|
Collector tiring to collect from exempt funds
|
| 04/17/2023 |
Yes |
- Debt collection
- Credit card debt
|
- Took or threatened to take negative or legal action
- Collected or attempted to collect exempt funds
|
|
Web |
|
|
Collector tiring to collect from exempt funds
|
| 01/31/2024 |
Yes |
- Debt collection
- Credit card debt
|
- Written notification about debt
- Didn't receive enough information to verify debt
|
|
Web |
|
|
|
| 01/30/2024 |
Yes |
- Debt collection
- Credit card debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
|
| 12/02/2023 |
Yes |
- Debt collection
- Credit card debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
|
| 10/24/2023 |
Yes |
- Credit card
- General-purpose credit card or charge card
|
- Other features, terms, or problems
- Other problem
|
|
Web |
|
|
|
| 10/10/2023 |
Yes |
- Debt collection
- Auto debt
|
- Written notification about debt
- Didn't receive enough information to verify debt
|
|
Web |
|
|
|
| 09/13/2023 |
Yes |
- Debt collection
- Credit card debt
|
- False statements or representation
- Impersonated attorney, law enforcement, or government official
|
|
Web |
|
|
|
| 08/20/2023 |
Yes |
- Debt collection
- I do not know
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
|
| 07/19/2023 |
Yes |
- Debt collection
- I do not know
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
|
| 07/15/2023 |
Yes |
- Debt collection
- Credit card debt
|
- Attempts to collect debt not owed
- Debt was result of identity theft
|
|
Web |
Older American |
|
|
| 06/09/2023 |
Yes |
- Debt collection
- Credit card debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
|
| 05/28/2023 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
|
- Getting a credit card
- Card opened as result of identity theft or fraud
|
|
Web |
|
|
|
| 04/25/2023 |
Yes |
- Debt collection
- I do not know
|
- Written notification about debt
- Didn't receive enough information to verify debt
|
|
Web |
|
|
|
| 04/22/2023 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Credit monitoring or identity theft protection services
- Received unwanted marketing or advertising
|
|
Web |
|
|
|
| 04/14/2023 |
Yes |
- Debt collection
- I do not know
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
|
| 04/01/2023 |
Yes |
- Debt collection
- Credit card debt
|
- Attempts to collect debt not owed
- Debt was paid
|
|
Web |
|
|
|
| 03/19/2023 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Improper use of your report
- Reporting company used your report improperly
|
|
Web |
|
|
|
| 02/28/2023 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Improper use of your report
- Reporting company used your report improperly
|
|
Web |
|
|
|
| 02/06/2023 |
Yes |
- Debt collection
- Credit card debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
|
| 01/18/2023 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Improper use of your report
- Reporting company used your report improperly
|
|
Web |
|
|
|
| 12/01/2022 |
Yes |
- Debt collection
- I do not know
|
- False statements or representation
- Attempted to collect wrong amount
|
|
Web |
|
|
|
| 11/17/2022 |
Yes |
- Debt collection
- Credit card debt
|
- Communication tactics
- You told them to stop contacting you, but they keep trying
|
|
Web |
|
|
|
| 11/15/2022 |
Yes |
- Debt collection
- Credit card debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
|
| 04/06/2022 |
Yes |
- Debt collection
- Credit card debt
|
- Took or threatened to take negative or legal action
- Threatened to sue you for very old debt
|
|
Web |
|
|
|
| 03/15/2022 |
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
|
|
Web |
|
|
|
| 01/16/2022 |
Yes |
- Debt collection
- I do not know
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Postal mail |
|
|
|
| 12/15/2021 |
Yes |
- Debt collection
- I do not know
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
Servicemember |
|
|
| 11/22/2021 |
Yes |
- Debt collection
- Medical debt
|
- Attempts to collect debt not owed
- Debt was paid
|
|
Web |
|
|
|
| 10/20/2021 |
Yes |
- Debt collection
- Credit card debt
|
- Communication tactics
- You told them to stop contacting you, but they keep trying
|
|
Web |
|
|
|
| 09/10/2021 |
Yes |
- Debt collection
- Credit card debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
|
| 08/28/2021 |
Yes |
- Debt collection
- Credit card debt
|
- Attempts to collect debt not owed
- Debt was already discharged in bankruptcy and is no longer owed
|
|
Web |
Servicemember |
|
|
| 07/07/2021 |
Yes |
- Debt collection
- Credit card debt
|
- Took or threatened to take negative or legal action
- Threatened to sue you for very old debt
|
|
Web |
|
|
|
| 05/27/2021 |
Yes |
- Debt collection
- Credit card debt
|
- Written notification about debt
- Didn't receive enough information to verify debt
|
|
Referral |
|
|
|
| 05/20/2021 |
Yes |
- Debt collection
- I do not know
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
|
| 03/02/2021 |
Yes |
- Debt collection
- Credit card debt
|
- Attempts to collect debt not owed
- Debt was paid
|
|
Web |
|
|
|
| 12/22/2020 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Account information incorrect
|
|
Web |
|
|
|
| 12/01/2020 |
Yes |
- Debt collection
- Credit card debt
|
- Communication tactics
- Frequent or repeated calls
|
|
Web |
Older American |
|
|
| 11/06/2020 |
Yes |
- Debt collection
- I do not know
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
|
| 10/11/2020 |
Yes |
- Debt collection
- Credit card debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
|
| 07/17/2020 |
Yes |
- Debt collection
- Credit card debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
|
| 06/16/2020 |
Yes |
- Debt collection
- Credit card debt
|
- Communication tactics
- You told them to stop contacting you, but they keep trying
|
|
Web |
|
|
|
| 06/14/2020 |
Yes |
- Debt collection
- Credit card debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
|
| 03/31/2020 |
Yes |
- Debt collection
- Credit card debt
|
- Took or threatened to take negative or legal action
- Threatened or suggested your credit would be damaged
|
|
Phone |
|
|
|
| 03/06/2020 |
Yes |
- Debt collection
- Credit card debt
|
- Written notification about debt
- Didn't receive notice of right to dispute
|
|
Web |
|
|
|
| 03/05/2020 |
Yes |
- Debt collection
- Credit card debt
|
- Communication tactics
- Used obscene, profane, or other abusive language
|
|
Web |
|
|
|
| 02/17/2020 |
Yes |
- Debt collection
- Credit card debt
|
- Written notification about debt
- Didn't receive enough information to verify debt
|
|
Web |
|
|
|
| 01/23/2020 |
Yes |
- Debt collection
- Other debt
|
- Written notification about debt
- Didn't receive enough information to verify debt
|
|
Fax |
|
|
|
| 08/15/2019 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Account status incorrect
|
|
Web |
|
|
|
| 06/03/2019 |
Yes |
- Debt collection
- I do not know
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
|
| 05/16/2019 |
Yes |
- Debt collection
- I do not know
|
- Written notification about debt
- Didn't receive enough information to verify debt
|
|
Postal mail |
|
|
|
| 01/31/2019 |
Yes |
- Debt collection
- Credit card debt
|
- Attempts to collect debt not owed
- Debt was paid
|
|
Postal mail |
|
|
|
| 01/22/2019 |
Yes |
- Debt collection
- Other debt
|
- Communication tactics
- You told them to stop contacting you, but they keep trying
|
|
Postal mail |
|
|
|
| 11/29/2018 |
Yes |
- Debt collection
- Credit card debt
|
- Written notification about debt
- Didn't receive enough information to verify debt
|
|
Web |
|
|
|
| 11/15/2018 |
Yes |
- Debt collection
- Credit card debt
|
- Written notification about debt
- Didn't receive enough information to verify debt
|
|
Web |
|
|
|
| 10/10/2018 |
Yes |
- Debt collection
- I do not know
|
- Communication tactics
- Frequent or repeated calls
|
|
Web |
|
|
|
| 02/21/2018 |
Yes |
- Debt collection
- Credit card debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
|
| 12/21/2017 |
Yes |
- Debt collection
- Credit card debt
|
- Took or threatened to take negative or legal action
- Sued you without properly notifying you of lawsuit
|
|
Web |
|
|
|
| 09/08/2017 |
Yes |
- Debt collection
- Credit card debt
|
- Attempts to collect debt not owed
- Debt was paid
|
|
Postal mail |
|
|
|
| 08/31/2017 |
Yes |
- Debt collection
- Other debt
|
- Written notification about debt
- Didn't receive enough information to verify debt
|
|
Postal mail |
|
|
|
| 07/17/2017 |
Yes |
- Debt collection
- Other debt
|
- Written notification about debt
- Didn't receive enough information to verify debt
|
|
Postal mail |
|
|
|
| 06/27/2017 |
Yes |
- Debt collection
- Credit card debt
|
- Communication tactics
- Frequent or repeated calls
|
|
Web |
|
|
|
| 06/19/2017 |
Yes |
- Debt collection
- Credit card debt
|
- Communication tactics
- Frequent or repeated calls
|
|
Web |
|
|
|
| 06/16/2017 |
Yes |
- Debt collection
- Credit card debt
|
- Written notification about debt
- Didn't receive enough information to verify debt
|
|
Postal mail |
|
|
|
| 05/12/2017 |
Yes |
- Debt collection
- Credit card debt
|
- Communication tactics
- You told them to stop contacting you, but they keep trying
|
|
Web |
Older American, Servicemember |
|
|
| 04/12/2017 |
Yes |
- Debt collection
- I do not know
|
- Disclosure verification of debt
- Not given enough info to verify debt
|
|
Referral |
|
|
|
| 03/27/2017 |
Yes |
- Debt collection
- Other (i.e. phone, health club, etc.)
|
- Disclosure verification of debt
- Not given enough info to verify debt
|
|
Referral |
|
|
|
| 03/10/2017 |
Yes |
- Debt collection
- Credit card
|
- Cont'd attempts collect debt not owed
- Debt was paid
|
|
Postal mail |
|
|
|
| 01/09/2017 |
Yes |
- Debt collection
- Credit card
|
- Improper contact or sharing of info
- Talked to a third party about my debt
|
|
Web |
|
|
|
| 12/22/2016 |
Yes |
- Debt collection
- Credit card
|
- Cont'd attempts collect debt not owed
- Debt is not mine
|
|
Phone |
|
|
|
| 09/26/2016 |
Yes |
- Debt collection
- I do not know
|
- Cont'd attempts collect debt not owed
- Debt is not mine
|
|
Web |
Older American |
|
|
| 09/22/2016 |
Yes |
- Debt collection
- I do not know
|
- Cont'd attempts collect debt not owed
- Debt is not mine
|
|
Web |
|
|
|
| 08/16/2016 |
Yes |
- Debt collection
- Credit card
|
- Disclosure verification of debt
- Not given enough info to verify debt
|
|
Web |
|
|
|
| 07/29/2016 |
Yes |
- Debt collection
- Other (i.e. phone, health club, etc.)
|
- Communication tactics
- Frequent or repeated calls
|
|
Referral |
|
|
|
| 07/19/2016 |
Yes |
- Debt collection
- I do not know
|
- Cont'd attempts collect debt not owed
- Debt is not mine
|
|
Phone |
Older American |
|
|
| 06/15/2016 |
Yes |
- Debt collection
- Other (i.e. phone, health club, etc.)
|
- Cont'd attempts collect debt not owed
- Debt is not mine
|
|
Postal mail |
|
|
|
| 05/10/2016 |
Yes |
- Debt collection
- Credit card
|
- Disclosure verification of debt
- Right to dispute notice not received
|
|
Referral |
|
|
|
| 05/02/2016 |
Yes |
- Debt collection
- Credit card
|
- Taking/threatening an illegal action
- Threatened to sue on too old debt
|
|
Web |
Older American |
|
|
| 04/27/2016 |
Yes |
- Debt collection
- I do not know
|
- False statements or representation
- Impersonated an attorney or official
|
|
Phone |
Older American |
|
|
| 04/26/2016 |
Yes |
- Debt collection
- Other (i.e. phone, health club, etc.)
|
- Cont'd attempts collect debt not owed
- Debt is not mine
|
|
Phone |
|
|
|
| 02/11/2016 |
Yes |
- Debt collection
- Credit card
|
- Disclosure verification of debt
- Not given enough info to verify debt
|
|
Referral |
|
|
|
| 02/11/2016 |
No |
- Debt collection
- I do not know
|
- False statements or representation
- Attempted to collect wrong amount
|
|
Fax |
|
|
|
| 01/26/2016 |
Yes |
- Debt collection
- Credit card
|
- Disclosure verification of debt
- Not given enough info to verify debt
|
|
Web |
|
|
|
| 01/22/2016 |
Yes |
- Debt collection
- I do not know
|
- Improper contact or sharing of info
- Talked to a third party about my debt
|
|
Web |
|
|
|
| 01/12/2016 |
Yes |
- Debt collection
- I do not know
|
- Improper contact or sharing of info
- Contacted me after I asked not to
|
|
Referral |
|
|
|
| 01/11/2016 |
Yes |
- Debt collection
- Credit card
|
- Disclosure verification of debt
- Not given enough info to verify debt
|
|
Web |
|
|
|
| 01/11/2016 |
Yes |
|
- False statements or representation
- Attempted to collect wrong amount
|
|
Web |
|
|
|
| 12/12/2015 |
Yes |
- Debt collection
- Credit card
|
- Disclosure verification of debt
- Not given enough info to verify debt
|
|
Web |
Older American |
|
|
| 12/07/2015 |
Yes |
- Debt collection
- I do not know
|
- Cont'd attempts collect debt not owed
- Debt is not mine
|
|
Web |
|
|
|
| 11/13/2015 |
Yes |
- Debt collection
- I do not know
|
- Cont'd attempts collect debt not owed
- Debt is not mine
|
|
Phone |
Older American |
|
|
| 10/13/2015 |
Yes |
- Debt collection
- I do not know
|
- Improper contact or sharing of info
- Talked to a third party about my debt
|
|
Web |
|
|
|
| 09/28/2015 |
Yes |
- Debt collection
- I do not know
|
- Improper contact or sharing of info
- Contacted me after I asked not to
|
|
Web |
|
|
|
| 06/23/2015 |
Yes |
|
- Closing/Cancelling account
|
|
Phone |
Older American |
|
|
| 06/08/2015 |
Yes |
- Debt collection
- I do not know
|
- Cont'd attempts collect debt not owed
- Debt is not mine
|
|
Web |
|
|
|
| 04/30/2015 |
Yes |
- Debt collection
- I do not know
|
- Disclosure verification of debt
- Not given enough info to verify debt
|
|
Phone |
Servicemember |
|
|
| 04/02/2015 |
Yes |
- Debt collection
- Other (i.e. phone, health club, etc.)
|
- Communication tactics
- Frequent or repeated calls
|
|
Referral |
|
|
|
| 03/28/2015 |
Yes |
- Debt collection
- Credit card
|
- Cont'd attempts collect debt not owed
- Debt is not mine
|
|
Web |
|
|
|
| 03/27/2015 |
Yes |
- Debt collection
- Credit card
|
- Communication tactics
- Frequent or repeated calls
|
|
Phone |
|
|
|
| 03/26/2015 |
Yes |
- Debt collection
- I do not know
|
- Communication tactics
- Frequent or repeated calls
|
|
Fax |
Older American, Servicemember |
|
|
| 03/23/2015 |
Yes |
- Debt collection
- I do not know
|
- Communication tactics
- Frequent or repeated calls
|
|
Web |
|
|
|
| 03/06/2015 |
Yes |
- Debt collection
- Federal student loan
|
- Disclosure verification of debt
- Right to dispute notice not received
|
|
Web |
|
|
|
| 02/18/2015 |
Yes |
- Debt collection
- Other (i.e. phone, health club, etc.)
|
- Communication tactics
- Frequent or repeated calls
|
|
Referral |
|
|
|
| 02/16/2015 |
Yes |
- Debt collection
- Credit card
|
- Taking/threatening an illegal action
- Attempted to/Collected exempt funds
|
|
Web |
|
|
|
| 02/03/2015 |
Yes |
- Debt collection
- Credit card
|
- Disclosure verification of debt
- Not given enough info to verify debt
|
|
Web |
|
|
|
| 02/02/2015 |
Yes |
- Debt collection
- Other (i.e. phone, health club, etc.)
|
- Disclosure verification of debt
- Not given enough info to verify debt
|
|
Web |
|
|
|
| 01/21/2015 |
Yes |
- Debt collection
- Credit card
|
- Cont'd attempts collect debt not owed
- Debt was paid
|
|
Web |
Servicemember |
|
|
| 12/31/2014 |
Yes |
- Debt collection
- I do not know
|
- Cont'd attempts collect debt not owed
- Debt is not mine
|
|
Web |
Older American, Servicemember |
|
|
| 12/12/2014 |
Yes |
- Debt collection
- I do not know
|
- Communication tactics
- Frequent or repeated calls
|
|
Referral |
|
|
|
| 11/24/2014 |
Yes |
- Debt collection
- Credit card
|
- Improper contact or sharing of info
- Contacted me after I asked not to
|
|
Web |
|
|
|
| 11/19/2014 |
Yes |
- Debt collection
- Credit card
|
- Improper contact or sharing of info
- Talked to a third party about my debt
|
|
Web |
|
|
|
| 11/18/2014 |
Yes |
- Debt collection
- I do not know
|
- Cont'd attempts collect debt not owed
- Debt is not mine
|
|
Web |
|
|
|
| 10/20/2014 |
Yes |
- Debt collection
- Other (i.e. phone, health club, etc.)
|
- Communication tactics
- Frequent or repeated calls
|
|
Postal mail |
|
|
|
| 10/14/2014 |
Yes |
- Debt collection
- I do not know
|
- Cont'd attempts collect debt not owed
- Debt is not mine
|
|
Web |
|
|
|
| 09/25/2014 |
Yes |
- Debt collection
- Credit card
|
- Cont'd attempts collect debt not owed
- Debt was paid
|
|
Postal mail |
|
|
|
| 08/06/2014 |
Yes |
- Debt collection
- I do not know
|
- Improper contact or sharing of info
- Contacted me after I asked not to
|
|
Web |
|
|
|
| 08/06/2014 |
Yes |
- Debt collection
- Other (i.e. phone, health club, etc.)
|
- Communication tactics
- Frequent or repeated calls
|
|
Referral |
|
|
|
| 07/25/2014 |
Yes |
- Debt collection
- Credit card
|
- Communication tactics
- Called after sent written cease of comm
|
|
Referral |
|
|
|
| 07/24/2014 |
Yes |
- Debt collection
- I do not know
|
- Cont'd attempts collect debt not owed
- Debt is not mine
|
|
Web |
|
|
|
| 07/09/2014 |
Yes |
- Debt collection
- I do not know
|
- Disclosure verification of debt
- Not disclosed as an attempt to collect
|
|
Web |
|
|
|
| 06/19/2014 |
Yes |
- Debt collection
- I do not know
|
- Cont'd attempts collect debt not owed
- Debt was paid
|
|
Referral |
|
|
|
| 05/18/2014 |
Yes |
- Debt collection
- Credit card
|
- Cont'd attempts collect debt not owed
- Debt resulted from identity theft
|
|
Web |
Older American |
|
|
| 05/07/2014 |
Yes |
- Debt collection
- Other (i.e. phone, health club, etc.)
|
- Cont'd attempts collect debt not owed
- Debt was paid
|
|
Referral |
|
|
|
| 04/23/2014 |
Yes |
- Debt collection
- Credit card
|
- Communication tactics
- Frequent or repeated calls
|
|
Postal mail |
|
|
|
| 04/22/2014 |
Yes |
- Debt collection
- Credit card
|
- Improper contact or sharing of info
- Talked to a third party about my debt
|
|
Web |
|
|
|
| 04/09/2014 |
Yes |
- Debt collection
- Credit card
|
- Cont'd attempts collect debt not owed
- Debt was paid
|
|
Web |
|
|
|
| 03/07/2014 |
Yes |
- Debt collection
- Credit card
|
- Cont'd attempts collect debt not owed
- Debt is not mine
|
|
Referral |
|
|
|
| 03/01/2014 |
Yes |
- Debt collection
- Credit card
|
- Disclosure verification of debt
- Not given enough info to verify debt
|
|
Web |
|
|
|
| 02/22/2014 |
Yes |
- Debt collection
- Other (i.e. phone, health club, etc.)
|
- Communication tactics
- Frequent or repeated calls
|
|
Postal mail |
|
|
|
| 02/13/2014 |
Yes |
- Debt collection
- I do not know
|
- Cont'd attempts collect debt not owed
- Debt is not mine
|
|
Web |
|
|
|
| 02/11/2014 |
Yes |
- Debt collection
- I do not know
|
- Communication tactics
- Called outside of 8am-9pm
|
|
Web |
|
|
|
| 02/07/2014 |
Yes |
- Debt collection
- I do not know
|
- Cont'd attempts collect debt not owed
- Debt is not mine
|
|
Web |
|
|
|
| 01/24/2014 |
Yes |
- Debt collection
- I do not know
|
- Cont'd attempts collect debt not owed
- Debt is not mine
|
|
Web |
Older American |
|
|
| 01/17/2014 |
Yes |
- Debt collection
- Credit card
|
- Cont'd attempts collect debt not owed
- Debt was paid
|
|
Web |
|
|
|
| 01/16/2014 |
Yes |
- Debt collection
- Other (i.e. phone, health club, etc.)
|
- Communication tactics
- Used obscene/profane/abusive language
|
|
Web |
|
|
|
| 01/10/2014 |
Yes |
- Debt collection
- Credit card
|
- False statements or representation
- Impersonated an attorney or official
|
|
Web |
|
|
|
| 01/09/2014 |
Yes |
- Debt collection
- Credit card
|
- Disclosure verification of debt
- Not given enough info to verify debt
|
|
Web |
Older American |
|
|
| 12/10/2013 |
Yes |
- Debt collection
- I do not know
|
- Communication tactics
- Called outside of 8am-9pm
|
|
Referral |
|
|
|
| 12/09/2013 |
Yes |
- Debt collection
- I do not know
|
- Cont'd attempts collect debt not owed
- Debt is not mine
|
|
Web |
|
|
|
| 12/06/2013 |
Yes |
- Debt collection
- I do not know
|
- Communication tactics
- Frequent or repeated calls
|
|
Web |
Servicemember |
|
|
| 11/25/2013 |
Yes |
- Debt collection
- I do not know
|
- Cont'd attempts collect debt not owed
- Debt is not mine
|
|
Web |
|
|
|
| 11/18/2013 |
Yes |
- Debt collection
- Credit card
|
- False statements or representation
- Attempted to collect wrong amount
|
|
Web |
Servicemember |
|
|
| 11/16/2013 |
Yes |
- Debt collection
- I do not know
|
- Cont'd attempts collect debt not owed
- Debt is not mine
|
|
Web |
|
|
|
| 11/07/2013 |
Yes |
- Debt collection
- Credit card
|
- Communication tactics
- Used obscene/profane/abusive language
|
|
Web |
|
|
|
| 11/05/2013 |
Yes |
- Debt collection
- Payday loan
|
- Cont'd attempts collect debt not owed
- Debt is not mine
|
|
Phone |
|
|
|
| 11/05/2013 |
Yes |
- Debt collection
- Other (i.e. phone, health club, etc.)
|
- Cont'd attempts collect debt not owed
- Debt is not mine
|
|
Referral |
|
|
|
| 10/28/2013 |
Yes |
- Debt collection
- Credit card
|
- Cont'd attempts collect debt not owed
- Debt is not mine
|
|
Web |
Older American |
|
|
| 10/25/2013 |
Yes |
- Debt collection
- Credit card
|
- Taking/threatening an illegal action
- Threatened to sue on too old debt
|
|
Web |
|
|
|
| 09/25/2013 |
Yes |
- Debt collection
- I do not know
|
- Cont'd attempts collect debt not owed
- Debt is not mine
|
|
Referral |
Older American |
|
|
| 09/17/2013 |
Yes |
- Debt collection
- I do not know
|
- Cont'd attempts collect debt not owed
- Debt is not mine
|
|
Phone |
Older American |
|
|
| 09/05/2013 |
Yes |
- Debt collection
- Credit card
|
- Disclosure verification of debt
- Not given enough info to verify debt
|
|
Web |
Older American |
|
|
| 08/03/2013 |
Yes |
- Debt collection
- Credit card
|
- Cont'd attempts collect debt not owed
- Debt is not mine
|
|
Web |
|
|
|
| 07/29/2013 |
Yes |
- Debt collection
- I do not know
|
- Communication tactics
- Frequent or repeated calls
|
|
Referral |
|
|
|
| 07/09/2013 |
Yes |
|
|
|
Web |
|
|
|