Praxis Financial Solutions, Incorporated CFPB Complaints

2000 Latest Complaints

Date Received	Timely Response	Product	Issue	State / Zip	Submitted Via	Tags
08/22/2017	No	Debt collection I do not know	Took or threatened to take negative or legal action Threatened or suggested your credit would be damaged	TX XXXXX	Web
This company continues to call me from various numbers. The possible collection agent today was rude and unprofessional. They do n't go into any specifics. They just call repeatedly. The numbers I get from them are XXXX or XXXX. I will no longer play this cat and mouse game with a company that employees fools. I do n't have any correspondence from this company. I do n't know what they believe they have with my name on it. How exactly does a company continue to call, but does not tell you what they want. Nor send you out any communication as to whatever they are calling about. I am a XXXX XXXX and this coming is causing stress and stress to my XXXX. My doctor has advised me this inconsiderate is adding to on my XXXX, which will move up my XXXX timeline. This is ridiculous. No one should have to guess or put up with lacking knowledge, inconsiderate and foolish people. I request validation of this debt per Texas Finance Code Section 392.202 which requires a debt collection agency or credit bureau to provide the alleged debtor with specific information concerning their debt including but not limited to : For the purpose of validation provide me with : The name and address of the original creditor The original date of default or non-payment of the debt with original creditor The date the debt was transferred from the original creditor to the third party debt collector The original balance The current balance Any fees added by your agency. Sec. 392.303 ( a ) ( 2 ) Texas Surety bond information as required by Sec. 392.101 - my original signature on the application from the creditor - my original signature on an application with your office consenting to any service Please note XXXX, XXXX, and XXXX are bonded in the state of Texas and are required to comply with Texas Finance Code. If a debt collector has failed to respond to your debt validation request, then they have essentially admitted, per Texas Finance Code 392.202 ( b ) ( 2 ), that the debt in question is inaccurate. Per this requirement you must delete this trade line if you do not have sufficient time to complete an investigation to validate this debt in 30 days according to Sec. 392.202 ( d ) ( 1 ) Also per Texas Finance Code 392.202 Correction of third -party debt collectors or credit bureaus files. I request immediate notification by mail if this alleged debt is sold or transferred per Sec. 392.301 ( a ) ( 4 ). Please reply with your response via US MAIL. Do not contact me by phone as it is inconvenient. Do not contact my family, acquaintances, or employer in any manner. Please note I am fully prepared to pursue my rights for the harm this inaccuracy has done to me. Sec. 392.403. CIVIL REMEDIES. ( a ) A person may sue for : ( 1 ) injunctive relief to prevent or restrain a violation of this chapter ; and ( 2 ) actual damages sustained as a result of a violation of this chapter. Please also note Texas BCC17. I demand that you will not sell, transfer, or assign this debt per Sec. 392.301 ( a ) ( 4 ). Regards
08/05/2017	No	Debt collection Federal student loan debt	Attempts to collect debt not owed Debt is not yours	TN XXXXX	Web
I recently filed a complaint in XX/XX/XXXX or XX/XX/XXXX, claim number XXXX. The debt was placed on my credit and I attempted to resolve the matter with the debt collection agency at that time but was unsuccessful in doing so until you all got involved. After trying to dispute with the company, XXXX XXXX XXXX, I contacted you all and the debt was removed off my account immediately. Now, I have another credit agency, Praxis, attempting to collect money from me on a debt that I do not owe and that was removed off all XXXX credit reports. I received the letter on XX/XX/XXXX ( attached to this complaint ) and immediately contacted the company. I called the number and extension provided in the letter and was violated in so many ways. I tried to speak with the representative and explain to him I did not owe the debt and I had documentation proving the debt was removed with a {$0.00} balance. As soon as I tried to explain my case to the representative became very upset and hostile and would not allow me to explain what was going on. As soon as I informed him I was not obligated to pay this debt, he began to yell and force me to believe I owed the debt. The representative stated " my company is legit and they would not be attempting to collect a debt I owed if I did not owe it ''. I tried to respond to explain I had proof this debt does not belong to me and again, he began to yell and he said " if I did not listen to him and he was not going back and forth with me and if I continued to talk, he would hang up the phone ''. That he did. The man hung up on me after yelling at me and telling me I will pay this debt. I have never been talked to so rudely in my life coming from someone attempting to conduct business. I do not owe this debt because I left the school ( XXXX University ) with a {$0.00} balance. I would have never been able to get my transcripts and enroll in another college if I had a negative account status. XXXX finance department cleared me to receive my transcripts which are included in the claim number I provided above. Actually, I was able to pay for 10 copies of my transcripts right before they closed. This debt is not real.
10/10/2015	Yes	Debt collection Credit card	Communication tactics Used obscene/profane/abusive language	PA 152XX	Web
Praxis Financial Solutions XXXX have promised a Trade Line deletion in exchange for payment for a Charged -Off debt purchased from XXXX XXXX Unfortunately, the payment was received but the written agreement for the deletion of this account 's " Trade Line '' and " all credit reporting that has been done on this account '' has not been honored. I have brought this concern directly to XXXX. Although my concerns were clearly documented with specifics, XXXX has rerouted my concerns ( with inaccuracy ) to a " request for XXXX to remove its credit bureau reporting due to debt being paid or settled in full with debt buyer ''. Clearly, XXXX 's summation is not the concern, and this gives the appearance that they simply do not care. These institutions have legal teams with great experience at wordplay, at times this only adds confusion to the consumer but not real solutions to problems that have negatively impacted the consumer through no fault of their own. Institutions like XXXX have no incentive to take my concern seriously. This huge oversight has negatively impacted my credit, and re-victimized my family. See previous reports from CFPB Case # XXXX ( and the attached ) where obscene language and abusive language was also reported -- not from XXXX. Using terms like " Trade Line '' deletion and " all credit reporting that has been done on this account '' are clear terms any consumer would reasonably expect to be honored. Any consumer would have been under the impression PFS XXXX received permission to enact this promise. There should not be a need for " buried in blueprint explanations '' or exemptions as to why this promise did not or does not apply. If deception was not the intent, then I simply ask for PFS to work with XXXX to " right this wrong ''. We are grateful CFPB supervises banks, credit unions, other financial companies, as well as enforce federal consumer financial laws. The small guy can easily become devoured had it not been for your organization 's dedication to law and fairness. As it now stands, XXXX has now " dinged '' my credit report, made changes to it, and has done more harm at this sensitive time.
08/04/2015	Yes	Debt collection Credit card	False statements or representation Indicated shouldn't respond to lawsuit	CO 80205	Web
FYI, there not much of a selection for the specific issue of this misrepresented matter so therefore I went with the best possible selection by selecting there should be no response to lawsuit. I settled a debt XXXX/XXXX/2014. The settled in full letter provided Is not sufficient according to the credit bureaus. The credit bureaus will not acknowledge the letter due to the debt collector being a third party who is representing another third party and the letter lists the original creditor as well as the full original account number. I told the collection agency, Praxis Financial Services, the credit bureaus is not accepting their letter. PFS consistent response was we never have this issue and we send letters all the time and there is no issue having the credit bureaus being updated. I 'm having an issue an no one is wanting to help. Do not tell consumers a letter proving the debt has been resolved will suffice. Very misleading and is a violation of the fdcpa. If I am telling this business the letter is not working they should make an effort to resolve the issue such as contacting the debt purchaser, who will not answer the phone, to resolve the issue. I also tried contacting the original creditor and I ca n't get any confirmation of this debt was even place with this agency and the fact praxis is not willing to contact the bureaus or help rectify the issue is a red flag.
06/11/2015	No	Debt collection I do not know	Improper contact or sharing of info Contacted employer after asked not to	TX 750XX	Web
XXXX XXXX XXXX from PRAXIS FINANCIAL SOLUTIONSXXXX XXXX XXXX XXXX XXXX XXXX, XXXX, IL XXXX has repeatedly called my place of employment even after being informed not to call my place of employment. XXXX XXXX fails to identify himself as a debt collector and just gives his first name and asked to talk to me. I informed XXXX XXXX that we had already informed him that he was not to call my place of employment, he denied ever calling my job before. XXXX XXXX will not inform me what he is calling about unless I disclose personal information which I am unwilling to do to anyone over the phone. XXXX XXXX manner conversation manner is to talk over you and to repeatedly ask you for the same information, he will get a very aggressive tone as to try to intimidate you into complying with his demands.
03/01/2017	Yes	Debt collection Credit card	Communication tactics Used obscene/profane/abusive language	PA 16001	Web	Older American
Some guy from Praxis Solutions ( telephone # XXXX ) contacted me about a debt I attempted to pay several years ago for which i have received NO written communication for years. Said I had to make telephone arrangements to pay the debt -- but when I requested a letter -- he refused and then threatened to report me for refusal to pay -- to put it on credit report. I said I was not refusing to pay, but wanted a written communication first. He became non-negotiable and then ended the phone call -- hanging up on me. This was for an old XXXX card I have made several attempts to track down, yet have not received any communication from them. This guy was nasty and abusive.
03/27/2016	Yes	Debt collection Other (i.e. phone, health club, etc.)	Taking/threatening an illegal action Threatened to sue on too old debt	TX 78634	Web
I filed various complaints. With Consumer Financial Protection Agency against XXXX XXXX XXXX XXXX XXXX Texas forcing me to pay charges.of {$1300.00} and {$930.00}. I can not pay and l am on Permanent XXXX Lifetime and Retired.and on XXXX Lifetime and Retired. I am also a XXXX XXXX XXXX XXXX Veteran. XXXX XXXX XXXX in XXXX XXXX Texas are Harrassing and Retaliation. Their collection Agencies is calling me after XXXX on weekdays and weekend. I am on XXXX for my Permanent XXXX Lifetime.
11/09/2016	Yes	Debt collection Credit card	Improper contact or sharing of info Contacted employer after asked not to	VA 20152	Web
I received a phone call at my place of employment from someone who would not report who they were, however, claimed I owed them money from credit card debt. After hanging up and tracking their phone number, I learned who they were. Praxis Financial Solutions XXXX XXXX XXXX # XXXX XXXX, IL XXXX ( XXXX ) XXXX They called under the phone number " XXXX, '' which can be traced to their company.
03/20/2015	Yes	Credit card	Other	CA 93312	Web	Servicemember
I was contacted XX/XX/XXXX by a collection agency representative who claimed he was an " officer '' and made threats of immediate arrest and intimidation. This, despite my having sent the collection agency a letter asking them to cease all further communication in accordance with the Fair Debt Collection Practices Act. They have since repeatedly contacted me in violation of this law.
03/10/2017	Yes	Debt collection Credit card	Disclosure verification of debt Right to dispute notice not received	NY 11221	Web
Praxis Financial solutions is trying to collect on a debt that has reached the Statute of Limitations. In the letter that was mailed to me, the date of debt was purposefully obfuscated. I called absolute Solutions and I was told that the statue of limitations on the debt had expired. XXXX XXXX was rude and disrespectful when I called to resolve the debt.
05/14/2015	Yes	Debt collection I do not know	Communication tactics Frequent or repeated calls	FL 32526	Web
This debt collection company calls my job multiple times a day and wo n't give any information who there or what they want. It 's embarrassing and they need to stop calling my job all the time. I have asked them to stop calling my place of employment.
11/06/2015	Yes	Credit card	Other	MA 025XX	Web	Older American
I have been repeatedly called erroneously to collect a XXXX {$5700.00} claim owed by someone else. I told collector that person does not reside at my home. But they call daily nonetheless. Telephone # calling is XXXX and callback # is XXXX.
11/11/2016	Yes	Debt collection Credit card	Communication tactics Frequent or repeated calls	NJ 08755	Web
Calling my place of employment in hopes of collecting a debt. Calls multiple times and harasses my employees when I am with customers or in meetings when he calls.
05/12/2015	Yes	Credit card	Other	OR 97224	Web
I defaulted on a XXXX XXXX Credit Card. Last pay date was XXXX XXXX 2009.
12/06/2018	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Problem with a credit reporting company's investigation into an existing problem Their investigation did not fix an error on your report	CA 90028	Web

08/04/2017	No	Debt collection I do not know	Communication tactics Used obscene, profane, or other abusive language	IL 60031	Web

04/18/2017	Yes	Credit card	Other	SC 29696	Web

02/21/2017	Yes	Debt collection Credit card	Taking/threatening an illegal action Threatened to sue on too old debt	OH 44102	Phone

05/16/2016	Yes	Debt collection Credit card	Communication tactics Threatened to take legal action	AZ 85044	Web

02/22/2016	Yes	Debt collection Other (i.e. phone, health club, etc.)	Cont'd attempts collect debt not owed Debt was discharged in bankruptcy	FL 33625	Web	Older American

01/19/2016	Yes	Debt collection Payday loan	Cont'd attempts collect debt not owed Debt is not mine	LA 70394	Phone

01/11/2016	Yes	Debt collection Credit card	Communication tactics Frequent or repeated calls	FL 32779	Postal mail	Older American

07/31/2015	Yes	Debt collection I do not know	Cont'd attempts collect debt not owed Debt is not mine	MS 39212	Web	Servicemember

04/17/2015	Yes	Debt collection I do not know	Communication tactics Frequent or repeated calls	CT 06002	Web

03/31/2015	Yes	Debt collection Other (i.e. phone, health club, etc.)	Disclosure verification of debt Not given enough info to verify debt	SD 57104	Postal mail

03/11/2015	Yes	Consumer Loan Installment loan	Managing the loan or lease	VA 20170	Web

02/19/2015	Yes	Debt collection Auto	Cont'd attempts collect debt not owed Debt was paid	WI 54303	Web	Servicemember

01/19/2015	Yes	Debt collection Credit card	Cont'd attempts collect debt not owed Debt is not mine	IL 62257	Web

01/09/2015	Yes	Debt collection Credit card	Cont'd attempts collect debt not owed Debt was paid	MA 01890	Web

01/07/2015	Yes	Debt collection Credit card	Improper contact or sharing of info Contacted employer after asked not to	NC 28638	Web

10/29/2014	Yes	Credit card	Bankruptcy	CA 95336	Web

10/23/2014	Yes	Debt collection Payday loan	Cont'd attempts collect debt not owed Debt was paid	IL 61240	Web

10/03/2014	Yes	Debt collection Credit card	Cont'd attempts collect debt not owed Debt is not mine	NJ 07002	Web	Servicemember

09/30/2014	Yes	Debt collection Credit card	False statements or representation Attempted to collect wrong amount	VA 23454	Postal mail

09/23/2014	Yes	Debt collection I do not know	Cont'd attempts collect debt not owed Debt is not mine	PA 18103	Web	Servicemember

09/20/2014	Yes	Debt collection I do not know	Disclosure verification of debt Right to dispute notice not received	CA 94132	Web	Older American

09/02/2014	Yes	Debt collection I do not know	False statements or representation Attempted to collect wrong amount	IA 51503	Web

07/11/2014	Yes	Debt collection Credit card	Cont'd attempts collect debt not owed Debt was paid	CA 92614	Web

05/29/2014	Yes	Debt collection Other (i.e. phone, health club, etc.)	False statements or representation Attempted to collect wrong amount	MD 20769	Web

05/14/2014	Yes	Debt collection Other (i.e. phone, health club, etc.)	Cont'd attempts collect debt not owed Debt is not mine	TN 37766	Referral

05/09/2014	Yes	Debt collection Credit card	Communication tactics Used obscene/profane/abusive language	TX 77586	Web

04/03/2014	Yes	Debt collection Credit card	Disclosure verification of debt Not given enough info to verify debt	NY 10026	Postal mail

03/10/2014	Yes	Debt collection Credit card	Improper contact or sharing of info Contacted employer after asked not to	NC 28306	Web

03/03/2014	Yes	Debt collection Credit card	Communication tactics Frequent or repeated calls	FL 33413	Web

02/20/2014	Yes	Debt collection I do not know	Communication tactics Frequent or repeated calls	CA 95691	Phone	Older American

02/18/2014	Yes	Debt collection Credit card	False statements or representation Attempted to collect wrong amount	MI 48021	Postal mail

02/11/2014	Yes	Debt collection I do not know	Cont'd attempts collect debt not owed Debt was paid	IA 50325	Web	Older American

01/29/2014	Yes	Debt collection I do not know	Cont'd attempts collect debt not owed Debt is not mine	TX 77713	Web

11/06/2013	Yes	Debt collection Other (i.e. phone, health club, etc.)	Disclosure verification of debt Not given enough info to verify debt	NY 10306	Referral

10/26/2013	Yes	Debt collection Other (i.e. phone, health club, etc.)	Cont'd attempts collect debt not owed Debt was paid	CA 91752	Web

10/09/2013	Yes	Debt collection Credit card	Communication tactics Used obscene/profane/abusive language	OH 43004	Web

08/30/2013	Yes	Debt collection Other (i.e. phone, health club, etc.)	Cont'd attempts collect debt not owed Debt was paid	WV 25302	Phone	Servicemember

07/13/2013	Yes	Debt collection Credit card	Communication tactics Used obscene/profane/abusive language	TX 77058	Web	Older American

07/03/2013	Yes	Credit reporting	Improper use of my credit report Report improperly shared by CRC	MN 55024	Postal mail