| 03/02/2023 |
Yes |
- Debt collection
- Medical debt
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- Written notification about debt
- Didn't receive enough information to verify debt
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Web |
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On XX/XX/XXXX, I presented to the emergency room at XXXX XXXX XXXX in XXXX Washington after premature XXXX of my XXXX XXXX. I was subsequently admitted to XXXX XXXX XXXX that day. From that date forward, I was present at XXXX XXXX XXXX until an XXXX XXXX was performed on XX/XX/XXXX when my son was delivered. I spent a total of 20 days at XXXX XXXX XXXX ( XX/XX/XXXX - XX/XX/XXXX ) and my son spent a total of 25 days at XXXX XXXX XXXX ( XX/XX/XXXX - XX/XX/XXXX ) and together we racked up a total of {$210000.00}. During this lengthy encounter I was covered by two insurance companies XXXX XXXX through my partners work, and I was also covered by Oregon XXXX. All the providers that came to speak with us during our stay, or presumed to be involved in our care were employed at XXXX XXXX XXXX.
The following summer, after we were discharged from the hospital, I received a call from an unfamiliar number with the person on the other end telling me that I had an unpaid bill. The individual was not from XXXX XXXX XXXX, they were from XXXX XXXX XXXX - a clinic I had never heard about in my life until that call. I declined to verify my information with the caller because I had never done business with XXXX XXXX XXXX, never heard about the clinic and until I googled them, had no idea who they were I thought it was a fraudulent/scammer call. I immediately called XXXX XXXX XXXX because I felt unsafe and anxious. XXXX XXXX XXXX advised that all my bills were settled and I had nothing outstanding. I then called XXXX XXXX to ask if they had denied any claims submitted on my behalf, because in my head a bill could only stem from a denied claim and I would now be responsible for the balance. XXXX XXXX reassured me that they did not deny any claims that were presented to them all bills were paid. I decided to call XXXX XXXX XXXX from a number that was on the web ( feeling this would be safer than calling back the number that called me ). They verified the bill, but stated they could not provide any chart notes or documentation to explain the extent of their providers involvement in my care on XX/XX/XXXX. I thought this was strange. If a medical professional provides care, there should be some documentation of their involvement, otherwise that encounter did not happen. According to the medical records personnel, they have no medical records for me at XXXX XXXX XXXX. At that time, I did not ask for the name of a supposed provider, because after that phone call I was absolutely sure it was fraud. Furthermore, the bills from the hospital with which I was involved were paid off, so either someone made a mistake or this was not legit.
The calls stopped. I forgot about the whole thing and moved on with my life.
In Fall XXXX, I started getting threatening mail from a law office in XXXX XXXX where I now live. There were threats that I would be taken to court or have my wages garnished due to money I owed to a person I didnt recognize. I googled the name and discovered that it belonged to someone from a debt collection agency in XXXX, OR. In my head, I didnt have any debt that I know of, so I threw out both letters thinking it was probably scammers or something to that effect. Later that Winter, a random guy dropped off an envelope with someone I paid to shovel snow from my driveway. I did not open the envelope. I was scared that maybe someone was trying to harm our family. I threw it out. My partner encouraged me to call the police, but I didnt want to deal with it. I figured it would blow over, but we were definitely on edge for a few months ( especially with being a minority in our neighborhood ). Now when I think back, I wonder if maybe that person was attempting to serve a notice of some sort. However, nothing further happened after that.
Earlier this year, XXXX, I reviewed my credit report. Something I do regularly because I like to stay on top of my finances. I was surprised to find a collection on my report. Again, this XXXX XXXX place was popping back into the picture. I disputed the account with XXXX ( the only bureau with the collection reported at the time ). The dispute was resolved stating that the account was legit and belonged to me. It will remain on my credit report.
The outcome of the dispute prompted me to call the collection agency ( Professional Credit ) to gather more data. The collection agency was able to tell me that I was being billed for the date of service XX/XX/XXXX. I told them that could not be, because I was at XXXX XXXX XXXX that day and could not have been in both places at once. I told them I would reach out to XXXX XXXX XXXX again to try and get more clarification on this account, because it was all just odd. The collection agent told me that calling XXXX XXXX XXXX would be futile because Professional Credit now has responsibility of the account.
Regardless, I called XXXX XXXX XXXX. They still could not find medical records for me, but was able to tell me that a XXXX XXXX XXXX was involved in my care They report that XXXX XXXX was present during my XXXX. When asked if the large sum of money that was paid out from my insurance to XXXX XXXX XXXX covered XXXX XXXX, the agent stated, No. XXXX XXXX XXXX prepares a separate bill for his services. Further questioning revealed that XXXX XXXX XXXX did not bill both my insurance companies for the service on XX/XX/XXXX. They billed XXXX and XXXX denied the claim stating that I have other insurance coverage. No one ever informed me of these events, neither XXXX nor XXXX XXXX XXXX. XXXX XXXXXXXX XXXX is now saying that it is too late to bill my insurance because the date of service is too far in the past. Not only are they now demanding that I pay for their service ( {$580.00} ), but the agent also let me know that I am responsible for paying the collection agency as well for whatever fees they have incurred ( $ XXXX ).
As a patient, I feel like I am being dragged through the mud for something that was originally due to an error by XXXX XXXX XXXX and from lack of clear communication to begin with. If someone had fully explained the intricacies of what was going on and what information was missing, this could have been easily resolved. All they needed was the insurance information for my second insurance. Now, as a result of various errors and an unrelenting effort to gain {$580.00}, XXXX XXXX XXXX has ruined my credit, my ability to secure a loan to repair my house, and possibly student loan repayment opportunities as well. Extremely frustrating.
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| 06/08/2019 |
Yes |
- Debt collection
- Other debt
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- Attempts to collect debt not owed
- Debt was paid
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Web |
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On XX/XX/XXXX, I made payment arrangements with Professional Credit Services, toward a debt owing in the municipal court for criminal and traffic offenses. I believe I owed about {$4600.00} in total ; which i believe includes the interest and fees charged by the agency ( the debt had been handed to professional credit services to enforce collection ).
The contract i entered into, was to pay {$400.00} per month plus an initial downpayment of 1/3 - equal to {$1400.00}. I went down to the agency with a friend and signed the pertinent paperwork initiating the {$400.00} ACH payments which were to start on XX/XX/XXXX.
I noticed that the agency was taking {$100.00} on the XXXX of each month, in addition to the {$400.00} i agreed to.
I did not worry about it though, since i assumed these amounts were going toward the cause. Having entered into the payment arrangement on the municipal court amounts, made me eligible to regain my driving privileges, and i in fact, did so in XX/XX/XXXX.
The last payment that came out of my account was for XXXX. Given that this amount differed from the rest ; i assumed that the debt had been paid in full. i received no further attempts to collect and no correspondence or phone calls from the agency indicating otherwise.
But in XX/XX/XXXX, i received notice from the DMV which stated that my driving privileges would be suspended due to a balance outstanding on two docket numbers ; those docket numbers i believed were involved in the gamut of those i had paid on for the preceding months under agreement.
I contacted the municipal court and they told me the debt was in fact with Professional Credit Services ; and i would need to contact them to settle it.
During the first conversation, the call was lost or else the man on the other end of the line had hit mute, since i suddenly couldn't hear anything. I hung up and called back. This time a woman helped me ; and i asked her three times if i could get some type of an accounting from them because what she was telling me did not add up to what i knew my records reflected. She was talking only about medical files and other, newer files, but made no mention of the nearly {$5000.00} in payments i had made since last XX/XX/XXXX. She avoided the question about whether i could see an itemized accounting of the files to which the {$400.00} payments were applied. Then she said something about not being able to upload one of the files ; and when i started to become annoyed, she pushed back, interrupting me and rudely telling me to calm down.
I then went immediately down to the office, and requested copies of all transactional details, itemized statements, and accounting, plus contract agreements signed by me, that they had within their files, under my name, since the beginning of time.
The receptionist took a very long time, scrolling, clicking with her computer mouse, and then, talking with a supervisor, once, and then twice, verifying she could provide some information ( i couldn't hear what was being said ).
She handed me a packet of documents ; which consisted of : two open ( unpaid claims ), unrelated to the court, and one satisfied claim, which was one of the claims the {$100.00} payments had supposedly covered.
I went home and pulled up my financial institution documents, and found every payment i had ever made to Professional Credit. No fewer than {$5400.00} was paid to the agency since last XX/XX/XXXX ; and no documentation was provided which clarifies and substantiates the application of any of the {$400.00} payments. But i can see where on one of the files, there are substantial interest payments that this agency has taken.
The conclusion is this. What i believe happened is that, Professional Credit services either assessed more interest or else it decided that interest had not been paid in full. Therefore, they reallocated the applied payments to cover their " interest '' fees on the dockets already covered, thus, creating " debt '' with the court system that had otherwise already been paid for. I believe the monies in their open file were reallocated to cover the interest and fees ; and then they simply failed to supply the information. This created communication to be generated, that alerted the court that i was out of compliance with payment arrangements, causing the court to take action to suspend my driver 's license. The agency thus hopes that i will make a new payment arrangement to cover the amounts they now say are owing, some six months after the debt had settled. In effect, they indirectly leveraged the power of the court to gain additional funds to cover fees and interest to which they weren't entitled. And that, i believe to be illegal.
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| 11/24/2016 |
Yes |
- Debt collection
- I do not know
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- Taking/threatening an illegal action
- Attempted to/Collected exempt funds
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Web |
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I called this company to pay a doctor bill I had misplaced and told by the doctors HR office, had been sent to collections. I paid the debt owed plus XXXX cent interest. I was interrupted during this transaction by the representative who wanted to discuss some other outrageous unknown debt. I told her I was calling to pay the doctor bill I owed. about a week or two later I found a letter in my mailbox telling me I was going to be garnished for a debt that was not identified, and that I would be paying the collection company an additional $ XXXX per a court order dated XX/XX/XXXX, filed XX/XX/XXXX. I called the courthouse records dept. and they did not know who the debt was for since it was so old they only had the origination date of XX/XX/XXXX but no creditor information.. the letter also informed me my bank had been sent a garnishment letter. I called my bank and was told there was no letter, however 3 days later this collection company took XXXXcents out of my savings account which was all I had in it. I called my bank and asked why they had informed me there was no garnishment letter, they finally got me through to the correct person who told me they did receive a garnishment letter on XXXX XXXX XXXX but told the collection company my wages are exempt. social security and government pension but could not be moved to savings because they are auto deposited into checking which is why this collection company took my XXXXcents. I did not receive a certified letter or served in person. I was not sent a letter asking about this debt and explaining who and what it was for previous to the garnishment letter. I have never received anything about this debt filed 6 years ago. even when I was employed at the same employer for 21 years. I have not received letters or calls previous to this action. they took information I gave them for a valid debt with my doctor and used it to threaten me with garnishment. fortunately I have my banking with a credit union that values their members and they were not pleased by this action either and assured me they would let me know if this was attempted again. I sent a challenge letter to the collection agency asking for the name and contact of the original debt supposedly owed but have not received a response.this debt is over 6 years old, never served to me although I have lived here for 3 years and at my previous address for 4 years and have been employed by XXXX for over 20 years, XXXX XX/XX/XXXX. now on social security they mail me a letter in an envelope not identified as a professional agency using information I freely gave them for another matter altogether and threatening my security by trying to garnish my very limited income without any prior warning. I have obtained legal advice because this debt should be past the SOL and also because the original amount seems to be {$340.00} and they want close to {$1000.00}. It is apparent they made no prior effort to contact me and just took information I gave them in good faith for a debt I truly owed in error by thinking I had already paid it and actually I am going to double check that because I think I paid it twice. In any case that is what happened and I am suffering undue XXXX wondering if they will keep bothering me about something that, if valid, should have been presented to me in XX/XX/XXXX before filing with the court for {$340.00} owed to an unknown party. I have had the same phone, had the same job and my address was never unavailable. It was an underhanded and behind the back move I believe, to try to garnish my bank account after I paid the {$30.00} in good faith and never received any further information regarding any other debts I may have or had with them. I am very upset.it is very unprofessional behavior on the part of the collection agency and still is since I am still unaware of who the {$340.00} was owed to 6 yrs. ago.
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| 08/13/2016 |
Yes |
- Debt collection
- Other (i.e. phone, health club, etc.)
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- Improper contact or sharing of info
- Talked to a third party about my debt
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Web |
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I am on XXXX, and have low income. I am trying to pay off any debts I have, but I am ill, and have many bills. But my complaint is about a judgment re : XXXX bills and Ray Klein aka Professional Credit Service. Here is summary : I had a medical bill that was going to drop off my credit this month of XXXX XXXX. I had a utility bill that I did not even know I had until the debt collector started harrassment, but it was due also to drop off my credit this month after 7 years. A third bill, was a phone bill that had not contacted me in years. I believe since XXXX. I had not looked at my credit report for at least 6 months due to illness and other issues. Then suddenly, I start getting a lot of activity.
First, back in XXXX or XXXX of XXXX, not sure, I was staying temporarily with a man who was my roommate in XXXX Oregon. He is NOT MY SPOUSE OR DOMESTIC PARTNER. I was NOT THERE AT THE TIME, AND HE HAS A XXXX. He started getting calls on his cell phone.
He got phone calls from several different phone numbers, starting with XXXX, XXXX etc. One of the numbers was? XXXX, and XXXX. There was a woman on the phone, who called him, and was yelling, abusive in her tone and asking if he knew me, XXXX XXXX. Asking if I lived there, and telling him I owed a debt, and that I would be taken to court etc, and other scary things said to him, if I did not respond. ( The Fair Debt Collection Practice Act -FDCPA- ) restricts debt collectors in engaging in contacting a person other than the spouse and talking about the debt of the person who they imply owes the debt. The caller called over and over again, and when asked who is this, she said " XXXX XXXX '' and that they represented a legal firm. He initially said " I am not the person you are looking for '' and hung up as she was yelling and abusive, and he said " do not call me again, you need to contact XXXX XXXX. '' ( I was not there at the time but he told me this later and I told him after looking it up that XXXX XXXX had been affilliated with threatening many people, and there blogs and forums about this name, and also the name mentioned was Ray Klein. Ray Klein is on XXXX, XXXX, and others. XXXX said to my roommate per his report to me that they made at least 10 harrassing calls, said they represented Ray Klein, and wanted to know where I get mail, and if he could get mail to me. He felt harrassed, and told them yes. A month or so later, someone else came to the door, and I was NOT THERE, as I was homeless, and staying on his couch part time, but getting mail there. They handed him a group of papers, with information about Ray Klein, and Small Claims Court, and the XXXX bills mentioned above, along with a large dollar amount different than what I owed. Per the FDCPA, they are not allowed to intimidate into paying, and I later received in the mail, paperwork, that looked like I had to go to court, and looked like a Lien was placed, as well as the fact that I now have a judgement on my credit. Please investigate, I am on a library computer, have 8 minutes, but after initial contact with ME, not a roommate, per FDCPA, the debt collector has only 5 days to respond with information about the original creditors, and I never got a chance. Now there is a judgement! It lowered my credit and can affect my life, and housing! I see he has done this to many people, and I was not even sure he was the real person to whom the debt was owed plus XXXX of the debts were going to drop off this month! I want to know how the timing of this occurred, I personally was NOT SERVED, it was done wrong. The inquiries to my roommate can only be about my address. Also, the third party ( my roommate ) can only be contacted ONE TIME by the debt collector. There were many violations under FDCPA. Please help.
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| 03/20/2019 |
Yes |
- Debt collection
- Medical debt
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- Attempts to collect debt not owed
- Debt is not yours
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Web |
Servicemember |
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I recently discovered that despite the companys inability to validate the debt, with as much as detailed description of the debt, they continue to report it on my credit report ; however, have changed the dollar amount on the account.
I contacted XXXX XXXX XXXX company and inquired about the debt and I was advised the following : Confirmation of letter received by me in XX/XX/XXXX I was told a validation letter sent to me XXXX of XXXX. I was told specifically that the letter mailed to me stated that the " XXXX XXXX XXXX contacted the original provider and validated the debt. '' I was told there is no documentation as these things are sometimes done over the phone or electronically.
When I asked for clarification, exactly what date this letter was sent, I was then told XX/XX/XXXX or " sometime between XXXX of XXXX and XX/XX/XXXX because the letter was requested XXXX. '' I requested specific information regarding the debt such as original bill and services. I was placed on extended hold.
Upon return to line a supervisor named XXXX took over the call and advised the following : My file only had one document in it and it is the letter I sent to the company.
The department that deals with this is no longer in the office and she shows no response on their end to the request I made. However, It is possible they have documents ; they have switched systems since then.
She will get request out to department that investigate this so that they can determined what they want to do from here.
I contact the company again on XXXX for additional clarification I was advised that a letter was sent to me on XX/XX/XXXX.
I requested a copy of the letter they sent to me, as it was never received.
I was advised by XXXX that they could not give me a copy of the letter as it was private file information. I reminded him that it was a correspondence sent to me and I am entitled to it. He again stated that the letter previously mailed to me on XX/XX/XXXX was private file information and would not be provided without a subpoena. I then requested supervisor.
I then spoke to XXXX. XXXX XXXX then advised the letter does not exist ; that they do not retain all correspondence sent or received. I confirmed again, however that my letter dated XX/XX/XXXX was on file.
I asked about my request in XXXX. XXXX advised that the letter sent was requesting additional information, but they are unable to produce this alleged letter. She also advised that there are NO notes indicating that the original provider was ever contacted from the date that my request was received.
My request for them to validate the debt made on XX/XX/XXXX was not addressed, responded to or investigated. The company will not or can not provide documents they allege were sent to me after said request.
Two different representatives knowingly provided me with false information as to the content and/or existence of the alleged letter ( as confirmed by supervisor XXXX and supervisor XXXX ) and the action or inaction of the company to investigate the request as required to. A representative knowingly provided false information regarding attempts to validate the debt, as confirmed by supervisor XXXX and supervisor XXXX.
The company contends they have no documents in the file that would validate said debt, and they have failed to remove the inaccurate accounts from my credit.
They refuse and have failed to comply with the procedures outlined by 15 U.S. Code 1681i. My consumer rights have continuously been violated by this agency without cause or remedy.
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| 09/21/2023 |
Yes |
- Debt collection
- I do not know
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- Attempts to collect debt not owed
- Debt is not yours
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Web |
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NOTICE OF PENDING LITIGATION SEEKING RELIEF AND MONETARY DAMAGES UNDER FCRA SECTION 616 & SECTION 617/// THIS COMPANY IS REPORTING AN ACCOUNT ON MY CREDIT THAT IS NOT MINE/INACCURATE.FRAUD. I DID NOT GIVE NY PERMISSION TO REPORT THIS ACCOUNT AND I WAS NOT NOTIFIED THAT THIS ACCOUNT WAS OR WILL BE REPORTED TO MY CREDIT REPORT.
What would be a fair resolution to this issue?
DELETE AND REMOVE. DO NOT REPORT, RE-REPORT, TRANSFER OR SELL. SEND PROOF OF A ORIGINAL CONTRACT BETWEEN ME AND SAID CREDITOR/COLLECTIONS SO THAT I MY INSPECT MY " WET INK ; SIGNATURE. IF NO CONTRACT. NO NEED TO INVESTIGATE, RE-INVESTIGATE PLEASE DELETE, REMOVE AND UPDATE TO ALL 3 CREDIT BEAUS WITH PROOF OF SERVICE. PLEASE SEND SEND OR DELETE : ( 1 ) The name and address of the organization alleging the debt ; ( 2 ) The name of the actual creditor even if that is myself; ( 3 ) The origin of the funds used to create this alleged claim of a debt and my agreement to pay that debt with a statement of full disclosure. ( 4 ) ALL associated tax forms as required by law, including all 1099s, W9s, etc. from the inception of this alleged debt. ( 5 ) Proof of claim in corresponding Case Number XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ( 6 ) The actual records of the organization or other government unit showing the time and place of the deposit and distribution of the funds used to create this alleged claim of debt. ( 7 ) The actual records of the organization or other governmental unit with a live signature on any and all document/instrument ( s ) used to allege the existence of a real loan of funds or debt from the organization or other governmental unit to myself or anyone else by a similar name. ( 8 ) Be advised that verification is defined ( XXXX XXXX XXXX, XXXX XXXX ) as follows : Confirmation of correctness, truth, or authenticity, by affidavit, oath or deposition. Affidavit of truth of matter stated and object of verification is to assure good faith in advertisement or statements of part ( 9 ) The actual records of the organization or other governmental unit showing that an honest disclosure of facts relating to the alleged loan was made by the organization or other governmental unit in compliance with the truth in lending laws of the United States Code. ( 10 ) The actual records of the organization or other governmental unit showing that any and all document/instrument ( s ) containing my signature or the likeness of my signature were not negotiated or pledged by the organization or other governmental unit against my credit to create the funds used for the appearance of a debt and resulting in this alleged claim of debt. ( 11 ) The person that prepares and swears to the validation of debt must describe : 1 ) your job description on a daily basis ; 2 ) if you are the regular keeper of those books and records and are familiar with how they are kept and their contents ; 3 ) how long have you been in your position ; 4 ) when did you first come in contact with the alleged account/debt ; 5 ) how frequently do you work with the files and information they are presenting to verify/validate the alleged debt ; 6 ) are you the person/employee who regularly works with the alleged account/debt ; and 7 ) do you have personal knowledge about the alleged debt and/or any alleged account.
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| 10/30/2017 |
Yes |
- Debt collection
- Other debt
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- Written notification about debt
- Didn't receive notice of right to dispute
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Web |
Older American |
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XX/XX/XXXX, I purchased a cell phone [ {$160.00} ] from highly endorsed ad in the XXXX mag. XX/XX/XXXX phone failed to connect on the XXXX network when I was stranded due to auto breakdown and was unable to reach XXXX XXXX XXXX XXXX. for a tow. The 2nd time was my attempt to connect to XXXX XXXX XXXX XXXX. with the identical problem. XXXX XXXX allowed a replacement swap. Assuming I was now trouble-free, the same problem occurred when in XX/XX/XXXX, my car was on a mechanic 's lift and I tried to call XXXX [ XXXX XXXX, NY ]. XXXX sent another SIM card, but the problem continued o exist ONLY on the XXXX network except for XXXX XXXX own test XXXX number which I thought was strange. Meanwhile, I had been paying in FULL, monthly and on time for defective equipment! The problem : - I could hear the other party, they could not hear me AND the cell phone failed to recognize dialing prompts on the XXXX numbers on all 3 occasions. I had had enough, needed another reliable phone immediately for a long distance drive. I went to a nearby mobile phone XXXX store to see if the rep. could duplicate my issue or show me if I was doing something wrong, before I made another purchase. He also tried those same numbers and concurred with the asst. mgr. as a witness. The defective phone [ via XXXX ] used XXXX XXXX XXXX tower and my new purchase [ {$110.00} ] via XXXX ALSO uses the XXXX XXXX XXXX tower. I tested the new phone before leaving the shop XX/XX/XXXX which is when I switched my number to XXXX. and have had trouble-free service ever since. I reported this to XXXX in XX/XX/XXXX, rcvd a response from them XX/XX/XXXX over my last bill which, disgusted with the partial service, I decided to abort on my credit card. XXXX sent me a letter XX/XX/XXXX indicating I now had a XXXX balance. Thus, I assumed all was over. I had paid for months not aware that I only had partial capability with the equipment. Reported this to XXXX, XXXX [ where I purchased the phone ], NYS AG, which unable to get a resolve forwarded it to the AG ofc. in XXXX, OR, which has done nothing. Now the matter has been referred to Collections to the escalated amount of [ {$99.00} ]. XXXX alleges my bank took two weeks to send the dispute charge. XXXX does not deserve any more since I had paid for service it could not even provide over the 7.5 months I kept the phone!! THIS IS ELDER ABUSE and harassment. I asked them to compromise and all it provided was a {$23.00} credit. I should have given them my XX/XX/XXXX tow bill of [ {$120.00} ], had I gotten though to XXXX my tow would have been FREE!. I have spent enough, have endured aggravation, ... whatever happened to the customer is right? Why would I go through all this trouble.I told XXXX I did not have {$99.00}, that it did n't deserve anyway. XXXX told me to return the replacement phone to be tested and needed my cell number to do so even after I purchased a new phone elsewhere and switched my number. I told them if they send a pre-paid mailer I would. XXXX did not., The OR AG ofc. has done nothing. I have reference numbers for all these contacts. I have never in my life gone through such insensitive, disrespect as a consumer. I 've reference numbers for all the contacts and all correspondence.
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| 05/16/2016 |
Yes |
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- False statements or representation
- Attempted to collect wrong amount
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Web |
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BACKGROUND I owed a {$260.00} balance to XXXX XXXX XXXX for a XXXX visit - DOS XXXX/XXXX/15. I thought it was covered by insurance, but was applied to the deductible. I could n't pay and the debt was turned over to a local collection agency, Ray Klein, Inc. dba Professional Credit Service, in XXXX 2015. They 're located at XXXX XXXX XXXX, XXXX, OR XXXX.
PCS tried to contact me by phone and letter several times. On phone messages they would never say what they were calling about, or leave a reference number, or what company they were with, or any information besides a person 's name. I was n't even sure what it was for a long time, and ignored the calls.
I did n't respond to letters, not because I disputed the validity of the debt, but I could n't pay it due to a lack of regular income ( self-employed ; slow period ). PCS eventually filed a small claims case against me in XXXX XXXX, Oregon.
PART 1 OF COMPLAINT Charging a consumer for communication costs by sending certified mail notices with postage due violates the FDCPA, section 808. ( 5 ) The small claim suit for {$450.00} was filed in court on XXXX XXXX, but not sent to my PO Box in XXXX until XX/XX/XXXX via first-class mail. ( The post office will only do 1 forwarding order in a 12 month period. I moved twice in 5 mos last year, so mail that relies on a physical address is being returned to senders. ) When PCS mailed court paperwork, they also sent it certified with {$10.00} in postage owing. I refused to accept it on XX/XX/XXXX, as it was the same envelope and return address as the one I had just picked up from the PO Box . The long-time postal employee, XXXX, said this collection agency is NOTORIOUS for this practice, and encouraged me to send it back and make them pay for it.
Is it possible for the CFPB to investigate the frequency of this practice at PCS/Ray Klein, beyond my individual complaint?
PART 2 OF COMPLAINT PCS is using deceptive communication practices in trying to collect another {$20.00} after I paid the full balance owed, directly contradicting their paperwork. I think it violates the FDCPA, Section 808 ( 1 ).
I paid the full balance owing - including court costs and a {$98.00} " collection fee '' - within 14 days of receipt as instructed. I mailed a personal check on XX/XX/XXXX via certified letter, with paperwork they sent me, signed as instructed. It cleared the bank within 10 days.
When I called Ray Klein, Inc. on XX/XX/XXXX at XXXX. to advise payment was in the mail, XXXX XXXX said I still owed {$20.00} for postage owing and related fees. She demanded to know why I had n't called their office prior to paying the debt to verify the balance, and I said their paperwork clearly listed a balance owed and instructions to pay within 14 days. There was no notice of additional funds owed, or the possibility of more owed after a certain date, only the threat of a court judgment being entered if I did n't pay. XXXX talked to her supervisor, XXXX, and both insisted {$20.00} was still owed. We ended the call with the dispute unresolved, and she stated they would wait 7-10 days for my check payment to clear, then try to collect the additional amount.
Please see supporting documentation.
Thank you
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| 10/28/2016 |
Yes |
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- Taking/threatening an illegal action
- Sued w/o proper notification of suit
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Web |
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I was insured with XXXX in XXXX Oregon, a Health insurance company. ( could and should file a separate fraud complaint against them also ) I got very sick and needed to stay in hospital for a few days. I was covered under XXXX insurance who in start of 2016 made statements in XXXX newspaper ( XXXX area ) and on all TV news in Oregon that they were insolvent and about to go belly up as in Bankrupt and would be shut down. At that time I paid my premiums until I deemed that switching to another carrier would be more to my advantage and did not want to take any chances with a company whose mismanagement of funds was so dire it announced it would end up being broke I had a lot of medical issues that continued and got statements from XXXX stating they had covered everything. Now I am in court with XXXX XXXX a division of Professional Credit Services out of XXXX Oregon and I am being sued.
This mess is three fold. The hospital where I was treated up to XX/XX/XXXX I went in for testing every other day and at no time during my visits did anyone mention I owed them a dime. I had asked on many occasions if my insurance was covering everything and I was told yes and not to worry. My illness led me to the hospital XXXX me. I was admitted into the XXXX.
XXXX XXXX is said to have been playing " coding games '' and did not pay items they told the hospital they would or were supposed to pay and it landed in collection. My last visit to the hospital was XX/XX/2016 and I was told I had a XXXX balance, so how it is now that I have almost XXXX in a lawsuit from some predatory collection agency who I am going to file a separate complaint with.
XXXX is a scam and countless other people I know bailed on this company when it was announced it would go out of business. I am now being punished and XXXX is violating my original insurance by not paying what they said they would pay.
XXXX failed to communicate with me and instead of paying what they said ( insurance fraud ) they then bounced it back to XXXX XXXX in XXXX, Oregon, the hospital and they, after telling me I owed them nothing, then turned around and were not paid by XXXX and instead of losing face or re-negging on their original statements to me, they instead turned me over to a predatory collection agency that has violated my ever consumer rights.
PROFESSIONAL CREDIT SERVICES and XXXX XXXX their legal division have refused to itemize the bills and have told me and threatened me to put a lien on my home. Interestingly enough I do not own a home. Also threatened to come after me, whatever that means. They are in violation of every law and rule regarding debt collection. especially when the debt is not or should not need to be paid based on the very words of the hospital and XXXX XXXX XXXX were paid handsomely by XXXX for the majority of my bills and should have been covered completely after my small deductible was eaten up.
XXXX is in violation of misrepresenting the facts to the hospital and the hospital deals directly with Professional Credit Services who are criminals in every respect and XXXX XXXX based on their reputation are known to violate every law regarding this issue
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| 03/08/2023 |
Yes |
- Debt collection
- Medical debt
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- Attempts to collect debt not owed
- Debt was paid
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Web |
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I was treated at a XXXX XXXX XXXX XXXX over the XX/XX/XXXX holiday. Due to the holiday, despite me being treated in their XXXX XXXX clinic, because they performed XXXX at the hospital on the same campus, they billed me for both hospital and XXXX XXXX services. I believe this was three years ago. I immediately paid the the first bill when it was received.
I disputed the hospital bill with them directly because their on-call radiology doctor misread the XXXX XXXX XXXX XXXX XXXX XXXX when it wasn't. This caused the XXXX XXXX physician to sell me an expensiveXXXX XXXX XXXX XXXX. I do not believe they actually reviewed my dispute and was never notified of their findings, but instead received notification that I had been sent to collections. I was so frustrated by their overall incompetency I decided to pay it anyways. I believe this was around XXXX of 2020.
They billed me using the two different account numbers and mailing addresses for each invoice, which I paid via my " bill pay '' services at my bank, using their information. A few months later I received notification that I had again been sent to collections for this bill, so I called them directly to resolve.
I spent over three-hours on the phone with their billing department where I learned that they had received both payments, but due to their accounting system, they are unable to apply the funds to the correct account because someone in their company misapplied both checks to one account. I asked them what I was supposed to do about that since I don't work for them, to which they had no answer.
I eventually spoke with their manager due to the insanity of their logic, who verified that they had in fact received both payments, but for good measure, he requested that I send them a copy of the canceled check, which I did. I believe his name was XXXX, but it's been so long now that I don't honestly remember ; however, he was supposed to call me back to verify they received it but never did.
Shortly after this I received notification that they had again sent me to collections over this. I called them again and spent another three-hours on the phone trying to resolve this. Their billing department confirmed that they had received the canceled check showing it had been deposited into their account and that it had my correct account number on the notation line. However, again they explained that they had misapplied that payment and didn't know how to resolve the issue in their system.
I have told them that they are now harassing me and that I am not addressing this with them again. I believe I have acted in good faith to help them sort out their accounting errors, but on top of their medical incompetence, I have spent all of the time I intend and would file a complaint if they contact me again.
Last week I received a letter from XXXX XXXX XXXX trying to collect on this medical charge.
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| 05/16/2017 |
Yes |
- Debt collection
- Other debt
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- Written notification about debt
- Didn't receive notice of right to dispute
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Web |
Older American, Servicemember |
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I purchased a service from a company called XXXX XXXX back in XXXX XXXX XXXX , the service involved XXXX virtual phone numbers to be used for my computer programmers to develop an online defense system against fraud. After almost two months of trying to make there equipment and services to work everyone just gave up and XXXX XXXX supposedly cancelled the service, as can be verified through email correspondence attached. They claim in there emails that I was notified on six occ asions by email and phone, this is a lie, after asking them to send me the emails they said they were not in the system. When they decided to send the account to collection the exact same thing occurred, this company NEVER once contacted me for money, not by email and not by phone. Keep in mind that XXXX XXXX had all of my personal information including my address, my cell number which I have had for over 20 years and my emails. I found out about this " Collection '' from j oining a credit bureau and saw it totally wiped XXXX points from my credit score whi ch in turn caused a bank loan to be denied recently. I disputed this collection and after some time I heard back from all XXXX credit bureaus, XXXX agreed with me and wiped off the collection, but both XXXX and XXXX did not and I still have this collection against me which bewilders me to no end. During this situation I found that the system for the consumer is totally inept, for example to appeal the decision you are allowed only 100 wor ds!!! In my case it is a very complex situation and to fully understand the situation I can assure you it will require probably a 1000 or 10000 words. As far as who I am and how I pay is important, I am XXXX years of age, served honorably in the XXXX XXXX and character is why you pay bills, on or about XXXX I got very sick and my income dropped to XXXX , BUT I paid off everyone I owed, as agreed, during that time, as can be verified in the bureaus. Since I did not start using credit i.e. did not have the ability or earnings to pay debts my credit was wiped out, I do remember back in XXXX or so my credit score was XXXX . Just wanted everyone to know ... One other matter I noticed, perhaps does not mean anything, but XXXX XXXX and Professional Credit Services are in the same state and across the street from each other, I think they are owned by the same company, if so woul d not that alone violate some regulations or laws? I have attached the results of the credit bureaus decision along with my bank denial for credit based on this collection plus a word document that has the email correspondence between my self and XXXX XXXX . I thank you for any and all consideration in this matter ...
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| 11/01/2015 |
Yes |
- Debt collection
- Other (i.e. phone, health club, etc.)
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- Cont'd attempts collect debt not owed
- Debt is not mine
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Web |
Older American |
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In XX/XX/XXXX, I received a letter from Professional Credit Services attempting to collect a debit in the amount of {$230.00} listed for collection by XXXX XXXX XXXX XXXX XXXX. I did not incur this debt.
I immediately sent with a letter to dispute the debt and to request debt validation. I sent the letter via Certified Mail. I have a return receipt showing Professional Credit Services received it on XX/XX/XXXX.
In the meantime, I sent an email to XXXX XXXX - XXXX XXXX XXXX. I wanted to know how an account was established in my name when I never applied for it.
XXXX XXXX XXXX at XXXX XXXX - XXXX responded to my email. She said someone drove into a transfer station on XX/XX/XXXX, dumped a load of solid waste, but could n't pay the fee. The transfer station had to open an account to collect the fee at a later date.
The transfer station used a vehicle registration to open the account, but I no longer owned that vehicle. I sold it on XX/XX/XXXX. I informed XXXX that I had submitted a properly filed Report of Sale to the Washington State Department of Licensing on XX/XX/XXXX, and that I can not be held responsible for a debt incurred on XX/XX/XXXX. XXXX XXXX informed me that Professional Credit Services have to substantiate that.
On XX/XX/XXXX, I mailed another letter to Professional Credit Services via Certified Mail. The letter included a detailed explanation of how the debt came to be put in my name. I also provided adequate proof that it was not my debt. I included a copy of the Report of Sale as evidence that I did not own the vehicle when the debt was incurred. I also provided a copy of the Bill of Sale bearing my signature and the signature of the new owner.
I have a Return Receipt showing Professional Credit Services received my letter on XX/XX/XXXX, but on XX/XX/XXXX, I received another letter attempting to collect the debt.
The collection notice included debt verification in the form of a receipt bearing a signature of the person who incurred the debt. The last name is not legible, but the first name looks like " XXXX. '' It 's not my signature and it 's not the signature of the buyer, XXXX XXXX, as it appears on the Bill of Sale.
The debt verification also included a computer screen print showing the account information on file with XXXX XXXX XXXX XXXX. The driver 's license field is blank. XXXX XXXX admits that the transfer station did not obtain any identification from the driver. The account information shows a phone number, but the number has never been assigned to me.
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| 12/23/2018 |
Yes |
- Debt collection
- Medical debt
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- Took or threatened to take negative or legal action
- Threatened or suggested your credit would be damaged
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Web |
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XXXX and XXXX XXXX XXXX are pursuing me for medical debts after failing to submit a claim to XXXX and failing to properly process my charity care application.
I have repatedly written to XXXX and XXXX XXXX XXXX to notify them that these debts are not valid.
XXXX failed to submit a claim to XXXX for these services. I had valid XXXX coverage at the time I received these services in XXXX and XXXX of XXXX and provided my XXXX information to XXXX before I received all of these of services.
On XX/XX/XXXX I applied for charity care for the services received at XXXX. XXXX failed to process my charity care application in a timely manner and continued to pursue me for these debts. I have attached a complete copy of my charity care application including copies of the bills from XXXX.
Please note there are three account numbers provided by the creditor and three corresponding account numbers provided by the collection agency. I have attached a copy of the most recent collection notices I have received regarding all three of these accounts.
The first account number provided by the creditor is XXXX and the corresponding account number provided by the collection agency is XXXX. The principal amount of this bill is {$280.00}.
The second account number provided by the creditor is XXXX and the corresponding account number provided by the collection agency is XXXX. The principal amount of this bill is {$420.00}.
XXXX sent me a letter dated XX/XX/XXXX explaining that an error had been made in the processing of my charity care application and that I had in fact been approved for charity care to cover all of these two bills. I have attached a copy of this letter.
However, on XX/XX/XXXX I received a collection notice from XXXX XXXX XXXX demanding payment for these two bills plus interest and threatening me with a negative credit report.
The third account number provided by the creditor is XXXX and the corresponding account number provided by the collection agency is XXXX. The principal amount of this bill is {$190.00}.
This bill was also included in my charity care application but apparently it was not processed correctly.
A negative credit report appears in my XXXX credit record regarding this third bill. The amount of the outstanding debt reported to XXXX is {$230.00}, including interest. Negative credit reports may have also been made to XXXX and XXXX. I have attached a copy of the page from my XXXX credit record with the negative credit report from XXXX XXXX XXXX.
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| 02/21/2020 |
Yes |
- Debt collection
- Other debt
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- Attempts to collect debt not owed
- Debt was paid
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Web |
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About eight months ago, I made a complaint here regarding Professional Credit Services ; for whom I overpaid by several hundred dollars on court-related fines. I discovered that, Professional credit services, whom I set up the payment plan regarding two files they had with the court. I made a large downpayment as part of the process setting up the payment schedule.
Somehow, although the debt collection had closed once paid in full, I received notice from the DMV that I still had outstanding tickets and my drivers license was going to be suspended as a result of nonpayment. I did some investigating and discovered that I had actually overpaid the company by quite a bit. However when I asked the company for its records they did not give me records for the file with the tickets outstanding In question. Naturally, as they had been handling this debt, I was very frustrated at giving them so much money and being paid in full only to receive the letter from the DMV that says I still had two tickets outstanding. I am under the impression that the credit service stole my money and didnt apply it appropriately but rather paid themselves a healthy amount of interest, while letting one of the debts languish. I went to the court and asked that any and all files be transferred back to the municipal court for collection since they dont charge interest and since they are easier to make payment arrangements with. The court honored the request.
However, where is the extra money that the CFPB owes me an explanation for? It took them forever to respond ; and now they are calling this a misunderstanding and stating that they will send a full accounting that shows how they have applied the historic payments. Obviously I am very interested in seeing this but, here again for the second time, Im told I will receive the information. The company said in their answer here that I would be receiving the documentation shortly, but guess what? Still I have not seen it. I want this company to follow through with their promises and pursuant to the law, show me the info That I am entitled to - or, reduce the balance to XXXX ; and if they cant give an explanation that shows where my money went, which was far exceeding the actual amount of the debt to be paid, and without applying the payments evenly To both debt files like they were supposed to do, then I should actually be receiving a refund for money they took from me but to which they were not entitled.
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| 03/09/2016 |
Yes |
- Debt collection
- Other (i.e. phone, health club, etc.)
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- Cont'd attempts collect debt not owed
- Debt was paid
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Web |
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I was in the midst of a divorce and living with a gentleman in Oregon around XXXX. When I left, in XXXX, there was a debt to the XXXX where we lived, but the man with whom I had been living had made arrangements with the XXXX XXXX to remove my name from the account as well as pay the outstanding balance. The balance was much lower than Professional Credit Services ( PCS ) are claiming and was paid in full.
I was still going by my married name at the time, and it changed only after the divorce finalized just before I moved away from OR. The name on the notice from PCS was my old married name XXXX sort of, they did n't get the entire name completely correct ), not the legal name I have currently.
That was in XXXX. The first notice I received from PCS was towards the end of XXXX which would put the the debt at over 6 years, which is past the statute of limitations in Oregon. I have written them, and told them that I no longer owe a debt to the XXXX XXXX and that it is past the statute of limitations. I gave them minimal information, and told them to no longer contact me or I would report them.
I received a second noticed from them in the mail on XXXX XXXX, XXXX 'offering help to pay my debt '. There is even less information in this notice than in the previous notice ( other than various account numbers XXXX. They do not seem to accept personal checks, only credit cards XXXX which I find suspicious ), and they did not heed my request to do further research into the debt they were trying to collect to find that it had been paid off.
I received the first notice a month XXXX after I was remarried. I find it rather interesting that they suddenly found me after 6 years only after I had married and registered my name in various places by changing drivers licenses over, etc.
I have lived in XXXX other states since OR, and am finally settled in a third with my husband. It is here they seemed to have found me.
My complaint is that they are trying to collect on a debt that does n't exist and they are doing it 7 years later. Even if the debt still existed, they would be past the statute of limitations and, unless I am mistaken, this is illegal.
I am keeping the promise I made to them when I first replied to their notice by reporting them in hopes that they will STOP trying to collect from me and others that do NOT OWE MONEY.
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| 01/18/2022 |
Yes |
- Debt collection
- I do not know
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- Written notification about debt
- Didn't receive notice of right to dispute
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Web |
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I found a lien against my house when I did a property search on XXXX last night. I have no knowledge of this lien and had no knowledge of this debt either. The lien was filed in 2018 in the amount of almost XXXX. When I was younger I was very irresponsible with my credit, i didn't pay my bills or credit cards, along with medical bills, they all went unpaid. If this lien has incurred from those debts, I'd assume this is illegal since I've had no notice of this debt in over a decade. No phone calls or letters, no knowledge of a court date. According to ORS XXXX the lien was supposed to be perfected which includes a statement of demand, which I never received.
I believe ray Klein inc is guilty of violating ORS XXXX of false swearing because the court records for this lien mention the owner of the debt being notified or having knowledge and under the comments the only thing it says is " personal. '' What does that even mean? Someone from ray Klein inc claims they personally notified me of the debt or court notice? I can only guess what any of it means since I wasn't notified nor was I there to defend myself.
Also in oregon the statue of limitations for debt is SIX YEARS. again I have no knowledge of this debt but I would love to see proof of this debt being as recent as six years ago because I highly doubt that. If this debt is a medical bill which ray Klein inc is known for collecting debt for ( providnece ) then ray Klein inc is guilty of violating ORS XXXX Q- attempts to collect any debt that the collector knows, or after exercising reasonable diligence would know, arises from medical expenses that qualify for reimbursement under the oregon health plan or under XXXX. I have been insured through XXXX for the last six years and it is not possible for me to have any medical debt that has not been paid.
Another violation.. ORS XXXX files legal action to collect or files a legal action to collect a debt if the debt collector knows, or after exercising reasonable diligence would know that the statue of limitations bars the collection I could go on and on for all the violations this company is guilty of since there are so many laws to protect consumers for this very reason, for businesses like ray Klein inc . I plan to sue this company and hopefully they will be known for the fraud, falsifying, lying dirty rats they are.
|
| 04/25/2017 |
Yes |
- Debt collection
- Medical debt
|
- False statements or representation
- Attempted to collect wrong amount
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Web |
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When Working w ith The Collection Agency Professional Credit Services multiple calls was made to phone # XXXX XXXX XXXX XXXX and XXXX . I Was told on the XXXX XXXX XXXX by XXXX in the litigation Department that a refund of my garnishments was sent back on the XXXX XXXX XXXX either to my home address or my employer. This was from a call initiated by me do to the attempt From PCS to garnish my wages for a second time. This was resolved by a copy of a document I had provided by the XXXX XXXX stating they had paid for the balance owed the full debt, through financial assistance. After finally verifying the letter that was a receipt of the full balance being XXXX , XXXX then explained the garnishment amount was to be returned in full. I had received the amount of {$440.00} already handed to me in form of a check issued on XXXX / XXXX / XXXX and was told that I would need to wait for XXXX XXXX XXXX to contact the client before I would receive the remaining {$830.00} and when XXXX Had told me of the return of that {$830.00} on XXXX XXXX , I had went ahead and used my credit card to make purchases expecting the check to reach my employer or my mother 's by the time I would got paid on the XXXX . I had already called my employer immediately following my first call with XXXX the week prior to the XXXX when XXXX informing me the check was sent out but yesterday on the XXXX XXXX XXXX I called the payroll department to follow up on the check to see if I should use my Credit Card anymore and that 's when I was told that the check has not been sent out yet and that PCS is still deciding on how to send it out. I have been working with PCS Sense XXXX when I first received the notice of the next round of garnishments which ended up happening fo r two p ay checks and PCS immediately returned the {$440.00} when I had sent the documents through email. But to find out that I was lied to several times through multiple calls along the lines of " You are not receiving the garnishments back '' from the first full round taken in XXXX too " The check was sent out '' and now the result of XXXX 's lie is there are purchases on my credit card that will become a financial burden because I was lied to which is deceiving behavior.
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| 08/08/2016 |
Yes |
- Debt collection
- I do not know
|
- Improper contact or sharing of info
- Contacted me after I asked not to
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Web |
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This company has called me XXXX 's. Last 2 dates I documented as follows : XX/XX/XXXX & XX/XX/XXXX. Name of company : Professional Credit Service Ph : XXXX. XXXX time they called REFUSED to give a name of the agent who called. Very rude, mean, harrassing me! Threatening in nature over phone saying that " I 'd " better cooperate " or else '' when I 'd ask " or else what? '' all I was told was exactly " I better know what was good for me! '' Really, I was too stunned & floored! I was hounded for confirmation of my complete address, birthdate, birthplace, mothers maiden name, fathers name, SS #, place of employment -I 've been XXXX since XX/XX/XXXX & have n't had a paycheck since & have n't drawn SSD until XX/XX/XXXX, if this was a " legit '' bill collection agency would n't they have ALL this info already & how do I know they are not trying to scam me? I 'm from Missouri, so as the saying goes, " SHOW ME ''! I REFUSED TO PROVIDE ANY INFO BECAUSE THEY REFUSED TO BE FORTHCOMING WITH ANY INFORMATION AT ALL! I HAD NO IDEA WHO THEY WERE, WHY THEY WERE CALLING OR FOR WHAT PURPOSE WHATSOEVER! I HAD NOTHING TO GO BY! WHY SHOULD I JUST " WILLINGLY " HAND OVER ANY & ALL MY PERSONAL & PRIVATE INFORMATION SO THEY COULD COMMIT INDENTITY THEFT? NOTHING DOING! I INFORMED THEM THIS CELLULAR PHONE NUMBER THEY WERE CALLING HAS BEEN REGISTERED ON THE NATIONAL NO NOT CALL REGISTRY SINCE XX/XX/XXXX NON STOP AND THAT SINCE XX/XX/XXXX IT 'S BEEN AMENDED THAT ALL SALES TELEMARKETING AGENTS AND COMPANIES, ROBOCALLS, BILL COLLECTION AGENCIES ARE FORBIDDEN TO CALL UNLESS THEY HAVE OBTAINED EXPRESS WRITTEN PERMISSION BY ME TO DO SO AND THAT ANY PRIOR WRITTEN OR VERBAL AGREEMENT BY ME IN THE PAST PER THE XX/XX/XXXX LEGAL LAW AMMENDMENT PASSED BY THE TCPA & FCC & FTC I MAY REVOKE AT A MOMENTS NOTICE IF I FEEL I 'M BEING G UNFAIRLY HARRASSED & I NOTIFIED THEM PRIOR TO & THEN AGAIN XX/XX/XXXX & XX/XX/XXXX THEY DO NOT HAVE PERMISSION TO CONTACT ME AS THEY ARE HARRASSING ME & ANY AUTHORIZATION THAT WAS GRANTED PRIOR TO THIS UNKNOWN & UNHERD OF " PROFESSIONAL CREDIT SERVICE '' HAS BEEN PERMANENTLY REVOKED & I JUST UPDATED THAT TO REFLECT TODAY 'S DATE XX/XX/XXXX @ XXXX PER LETTER TO CONSUMER FINANCE.GOV.
XXXX Thank you XXXX XXXX XX/XX/XXXX XX/XX/XXXX ET
|
| 12/12/2015 |
Yes |
- Debt collection
- I do not know
|
- Cont'd attempts collect debt not owed
- Debt is not mine
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Web |
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Approximately late XXXX I was contacted by a company stating I was overpaid on my XXXX disbursement a few years prior. Not knowing whether this was a legitimate debt I responded back wanting an explanation. I was not contacted back.
In XXXX XXXX I was sent a letter from Professional Credit Services stating I owed a debt of {$1000.00}. I responded back to them asking what this debt was concerning. They responded back and said I would need to contact Oregon XXXX as they were not sure.
I explained to them that if they were the XXXX collecting they needed to provide me with the information as it was not my debt.
I did not hear from them again until mid XXXX stating that I still owed {$1000.00}.
I consulted an Attorney friend and explained what was going on. As I was not paying for his sevices he just gave me some direction.
on XXXX I wrote the Following.
To : Professional Credit Services I am requesting ALL documentation regarding this matter of {$1000.00} owed.
Please mail all documents to my address, and allow me time for me an an Attorney could look them over to see what action should be taken.
One week later they responded with a letter stating I would have to contact Oregon XXXX.
On XXXX I wrote them back telling them being they had not provided me with any documentation, or any proof of this debt I was not taking any responsibility for this debt. I explained to them I had not had anything to do with Pers in over 10 years.
On XXXX I received another letter stating I still owe {$1000.00} and to contact them. I immediately wrote them back stating I do not feel I am responsible for this Debt and I feel they are harassing me and if the debt is correct why has it taken over 10+ years and there may be statutes of limitations. I explained to them to either leave me alone or take me to court to settle this dispute.
Today XXXX I received a response letter stating they want, my attorney name, phone and address. As I have not retained an attorney and do n't feel I should have to at my expense.
Could you please advise me as to the direction I should take as I am fed up dealing with matter.
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| 05/30/2019 |
Yes |
- Debt collection
- I do not know
|
- Written notification about debt
- Didn't receive notice of right to dispute
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|
Web |
Older American |
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PROFESSIONAL CREDIT SERVICE # XXXX* XXXX XXXX XXXX XXXXXXXX XXXX XXXX OR XXXX ( XXXX ) XXXX I disputed the above named company for reporting that I owed them {$94.00} dollars. I spoke to this company via phone in XX/XX/2019, and asked them to identify me as the person who opened a telephone account with their company. The above named company could not provide me with a social security number that I provided them with to positively indentify me as the person who had a phone account with their company.
Moreover : 2. above company has reported and has continued to report such derogatory remarks without a license to collect or operate in my current home state, my current address ; 3. above company has reported and has continued to report such derogatory remarks without having a signed and authorized document from me as doing business with them. Or hiring or soliciting their services or purchasing their products/items ; 4. above company has reported and has continued to report such derogatory remarks by purchasing an alleged debt I owed to another company or business/provider, without my consent ; 5. above company has reported and has continued to report such derogatory remarks by purchasing an alleged debt I owe as third-party debt collection and is not the original company, business, provider of such item, service or product ; 6. above company has reported and has continued to report such derogatory remarks without notifying me at my address or by phone to make me aware of such debt. Thus, failed to do so.
7. above company must submit to Consumer Finance what name was submitted for these alleged business transaction ( s ) and/or service purchased. Or any items purchased. Above company named must submit the correct spelling of my name and address I reside at while contracting or purchasing their services or items. Above named company must provide full information identifying me as the person doing business with them on said date submitted above.
|
| 11/07/2018 |
Yes |
- Debt collection
- Medical debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
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Web |
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I have a medical bill from XXXX XXXX XXXX here in XXXX, Oregon. The bill was only {$450.00}. I accumulated the bill due to I had been put into the hospital after a ex-husband became XXXX XXXX with me. He was XXXX and put into XXXX for XXXX. Long story short. I was not working at the time and going through a divorce. A non-profit battered women group helped me file divorce papers and achieve a restraining order against the ex-husband. My medical bill unfortunately was sent to a collections agency here in XXXX, Oregon. They contacted me and I started making making payments to them for the bill in person. I started receiving repeated phone calls from them daily. They left many voice messages on my phone for my ex-husband and his debt. I started receiving my ex-husband 's bills that were being turned into the same collection agency at my home address from XXXX XXXX here in XXXX, Oregon that he owed money to.I called the debt collection company ( Ray Klein Inc. ) multiple times and told the receptionist in person and through voice messages that I do not appreciate being harassed regarding my ex-husbands debt. I told them repeatedly to stop calling me and sending me his bills. I felt that I would never get over the nightmare that he caused me because now I was being haunted by a debt collector leaving messages on my phone regarding him and sending me his bills. What eventually happened was they quite contacting me regarding my debt that I was paying on. I told them repeatedly that my ex-husband was not living at my address and told them of what he did to me. No response. Now, my debt has incurred a {$100.00} in finance charges from the debt collection agency. They never sent me any other letters after the time that I contacted them regarding my ex-husbands debt. I am now being referred to an attorney for the debt.The debt collection has now been filed with the courts. A lawyer has been contacted and is now pursuing collection from me.
|
| 09/28/2016 |
Yes |
- Debt collection
- Other (i.e. phone, health club, etc.)
|
- Cont'd attempts collect debt not owed
- Debt resulted from identity theft
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Web |
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PROFESSIONAL CREDIT ACCOUNT NUMBERs : XXXX XXXX/XXXX/XXXX XXXX, OR XXXX Phone : XXXX ATTENTION TO DISPUTE DEPARTMENT : Dear Sir or Madam : I am a victim of identity theft. An identity thief used my personal information without my permission to open an account several account in my name this debt is not mine. I have enclosed proof of my identity and a copy of my Identity Theft Report. In accordance with the Fair Debt Collection Practices Act, I am asking you to stop collection proceedings against me and stop communicating with me about this debt, except as the Fair Credit Reporting Act allows. I also ask that you PROFESSIONAL CREDIT or any company associate with this account # XXXX and tell them the debt is the result of identity theft. I have enclosed a copy of the Federal Trade Commission 's police report Notice to Furnishers of Information. It explains your responsibilities under the Fair Credit Reporting Act ( FCRA ). The FCRA requires that debt collectors give an identity theft victim documents related to an account if the victim asks. Please send me copies of all records relating to the account, including : date account open all sign original contract including : Account applications made on paper, online, or by telephone Account statements or invoices Records of payment or charge slips Delivery addresses associated with the account Records of phone numbers used to activate or access the account Signatures on applications and accounts Investigators report Please send me a letter explaining what you have done to : PROFESSIONAL CREDIT or any company associate with this account that the debt is the result of identity theft Stop collection proceedings against me Stop reporting information about the debt to credit reporting companies Provide me with the records I request Thank you for your cooperation.
Sincerely, XXXX, XXXX XXXX SOC SEC # XXXX DOB XXXX/XXXX/XXXX ADDRESS XXXX XXXX XXXX XXXX, XXXX XXXX, FL XXXX
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| 09/19/2018 |
Yes |
- Debt collection
- I do not know
|
- Written notification about debt
- Didn't receive enough information to verify debt
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Web |
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Greetings, I received a phone call last month with a voicemail stating a credit collection company was calling to collect on a debt. I was pretty sure it was a scam because I know I owe nothing except a few credit cards I keep up on. I called to ask them not to call again and I knew it was a scam. She immediately knew my name from the number I dialed, she proceeded to ask if this was in fact my correct phone number, which it is/was. She then asked for my mailing address. At this point I stopped her and asked what this was regarding before I give out any more information. She asked me if I was represented by an attorney. In my quick thoughts, I thought this my be something to do with my divorce, which was completed in XX/XX/2018. I responded with " yes ', but quickly backtracked because my divorce is final and my attorney as since retired. I asked again what this was regarding. She told me I needed to have my attorney call to resolve this. I explained that A.my attorney is since retired and B. my name is attached to a collection and I have every right to know what this is. C. an attorney has an hourly price and I'm surely not going to hire an attorney at my expense to get something cleared that is my name.
bottom line, she refused to give me ANY information. I have to assume this is a medical bill that my husband didn't pay and I'm on the hook. In any case, my hands are tied because they won't work with me.
My credit will be destroyed due to this, if its not already. I have received no written letter, nor has my ex husband.
Is this even legal? It seems extremely unfair.
XXXX XXXX a compliance specialist with the Division of Financial Regulation, urged me to make contact with CFPB.
The collection agency is XXXX XXXXXXXX XXXX. License XXXX/NMLS XXXX I hope you can help in some way? I really don't want this on my credit and I don't have the resources to get an attorney.
Thank you kindly, XXXX XXXX
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| 08/01/2016 |
Yes |
|
- Cont'd attempts collect debt not owed
- Debt resulted from identity theft
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Web |
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PROF CREDIT ACCOUNT NUMBERs : XXXX XXXX/XXXX/XXXX XXXX XXXX XXXX, XXXX, OR XXXX XXXX XXXXXXXXXXXX ATTENTION TO DISPUTE DEPARTMENT : XXXX Dear Sir or Madam : I am a victim of identity theft. An identity thief used my personal information without my permission to open an account several account in my name this debt is not mine. I have enclosed proof of my identity and a copy of my Identity Theft Report. In accordance with the Fair Debt Collection Practices Act, I am asking you to stop collection proceedings against me and stop communicating with me about this debt, except as the Fair Credit Reporting Act allows. I also ask that you XXXX or any company associate with this account # XXXX and tell them the debt is the result of identity theft. I have enclosed a copy of the Federal Trade Commission 's police report Notice to Furnishers of Information. It explains your responsibilities under the Fair Credit Reporting Act ( FCRA ). The FCRA requires that debt collectors give an identity theft victim documents related to an account if the victim asks. Please send me copies of all records relating to the account, including : date account open all sign original contract including : Account applications made on paper, online, or by telephone Account statements or invoices Records of payment or charge slips Delivery addresses associated with the account Records of phone numbers used to activate or access the account Signatures on applications and accounts Investigators report Please send me a letter explaining what you have done to : PROF CREDIT or any company associate with this account that the debt is the result of identity theft Stop collection proceedings against me Stop reporting information about the debt to credit reporting companies Provide me with the records I request Thank you for your cooperation.
Sincerely, XXXX, XXXX XXXX SOC SEC # XXXX DOB XXXX/XXXX/XXXX ADDRESS XXXX XXXX XXXX, XXXX, FL XXXX
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| 02/24/2016 |
Yes |
- Debt collection
- Other (i.e. phone, health club, etc.)
|
- Disclosure verification of debt
- Not given enough info to verify debt
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|
Web |
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On XX/XX/2016, I paid the full balance owed on a judgment that Ray Klein Inc in XXXX Oregon in the amount of {$630.00} had against myself. We are currently trying to buy a house, so we were paying off debts in order to bring our credit score up. It has been 13 days since the debt has been paid in full and the debt is still not showing that it has been satisfied and is still lingering as unsatisfied with the XXXX County Court System. Calls have been made by my mortgage broker to Ray Klein in order to have this debt removed from my credit report. Nothing has been changed and they have not disclosed when this will be shown as satisfied due to their constant excuses. When they want the debt paid, they harass without any problem, garnish wages, sue people without an attempt at even collecting on the debt, call them relentlessly and even call people at their place of employment. However, when it comes to showing that a debt has been paid in full and is satisfied, call them relentlessly and even call people at their place of employment. However, when it comes to showing that a debt has been paid in full and is satisfied, they drag their feet. The people my mortgage broker and my husband have spoken with know we are currently in the process of purchasing a house and at this point is feels like they are purposefully holding out on showing the debt as satisfied. They also failed to tell us that they had other debts they were holding besides the judgment until we were ready to pay the judgment in full, with the exception of a past medical bill from XXXX. So now we are still paying a debt through this shady company who failed to inform us of further debts owed with a high accrued interest balance. I want this issue corrected in a timely manner, which they have failed to do and feels they are purposefully holding out on.
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| 05/03/2019 |
Yes |
- Debt collection
- I do not know
|
- Took or threatened to take negative or legal action
- Sued you without properly notifying you of lawsuit
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Web |
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On XX/XX/XXXX at XXXX I received an email from my brokerage informing me that they had received a Writ of Garnishment for XXXX from Ray Klein , Inc. dab XXXX XXXX XXXX XXXX I was blown away as this was the first time I had been notified of any debts with a Ray Klein , Inc . I immediately contacted my legal membership and had an attorney pull and review the file. He told me that the file did look like a legally obtained judgment obtained by default on XX/XX/XXXX. He told me the original debt was a series of accounts totaling {$2000.00} back in XXXX. He told me the collection company had hired an attorney and I should contact the collection company in an attempt to remedy this. I did contact Ray Klein , INC . They told me the only way to remedy this was to pay the amount in full and that due to interest the amount was now {$9000.00}. I requested proof that this was even my debt and proof of service and they told me that they did not have to give me anything. A few days later I went to the local courthouse and got a complete copy of the file. A man named XXXX XXXX, process server, for XXXX XXXX XXXX, XXXX. swears under oath that he personally serviced me at XXXX on XX/XX/XXXX to an address that I did not reside. On XX/XX/XXXX XXXX XXXX XXXX XXXX denied a motion of default, due to documentation not meeting requirements of court rule 5.061 ( 6 ). Then there is a default judgement entered. Now a Writ of Garnishment for $ XXXX more money. The file seems poorly put together legally. I'm very angry that I was never properly served and no other notification to me in nearly 10 years. I'm sure Ray Klein, Inc. gets away with this type of practice often as in my search for answers regarding this matter I have come across other consumers who have fallen victim to this same method of garnishment.
|
| 06/22/2019 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt is not yours
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|
Web |
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I was contacted by two people claiming to be employed by Professionals Credit Services based out of XXXX ( maybe ) with an office listed in XXXX on there site professionalcredit.com.
The first contact was from a man on XX/XX/22 claiming I owned XXXX XXXX XXXX {$25.00}. I responded that it did not sound right to me and that I would contact XXXX to sort it out. He was insistent I deal with it now but I just didn't feel comfortable providing him with my personal information.
I contacted XXXX, who confirmed that the debt never exisited and if it did they would certainly have record of both the debt and what credit agency it was sent to. I assumed it was a clerical error but they suggested it was a scam since they have been recieveing alot of inquiries like mine, with a low amount that they have no record of.
Today ( XX/XX/22 ) I was contacted by a person names " XXXX '' claiming to be from Professional Credit Services and demending {$28.00}. I explained that XXXX denied the debt ever exist and that this was a phising call. At which point she got combative and refuse to provide me with a mailing address. She ended up giving a XXXX XXXX XXXX Idaho that doesn't match the contact information listed on the website of the company she claims to be employed from.
" XXXX '' appeared to be calling from her personal number, XXXX. After a brief search of my call history I found the first call from XXXX XXXX that came from XXXX. That number had made multiple attempts in XXXX to contact me.
I am in the process of contacting the credit agency to put a hold on my credit and inform them of what I believe to be an attempt at phishing.
I felt it was important to also file an official complaint so that this matter get investigated since I do believe it's fraud.
|
| 09/16/2015 |
Yes |
- Debt collection
- Other (i.e. phone, health club, etc.)
|
- Cont'd attempts collect debt not owed
- Debt was paid
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|
Web |
Older American |
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On XXXX/XXXX/15 my husband received XXXX services through XXXX XXXX XXXX XXXX XXXX. On XX/XX/XXXX XXXX XXXX XXXX billed us for the remaining balance after insurance paid their part. We had had prior experience with XXXX XXXX XXXX billing us for amounts that should have been settled through insurance. On XXXX/XXXX/15 I spoke to a person at XXXX XXXX XXXX who said the bill should be sent for adjustment and we should not pay while this was being done. We did not hear from them again. On XXXX/XXXX/15 we received a letter from Professional Credit Services saying the bill had gone to collection. We became concerned about our credit rating and paid the bill to PCS that day. When I called XXXX XXXX XXXX on XX/XX/XXXX they told me they had not sent the bill to PCS or any other debt collector but would look into it. I did not hear back from them. On XX/XX/XXXX we received a bill from a second collection agency, XXXX XXXX, for the same amount. XXXX XXXX XXXX now tell me they did send the bill to XXXX XXXX. It appears that they never did send the original bill for adjustment, nor did they attempt to re-bill us before sending it to collection. PCS tells me they did not buy the debt but had it sent to them by XXXX XXXX XXXX. They also say they paid the full amount to XXXX XXXX XXXX as soon as we paid the bill, on XXXX. XXXX XXXX XXXX claim they do n't have the money. Meanwhile, XXXX XXXX XXXX think they have a right to collect this money. We are very concerned about what having this debt looking like it is outstanding will do to our credit rating. We are also wondering where the money we paid to PCS has gone. I have spent a lot of time on the phone trying to address this, and would very much appreciate your assistance!
|
| 10/08/2019 |
Yes |
- Debt collection
- Medical debt
|
- Attempts to collect debt not owed
- Debt was result of identity theft
|
|
Web |
|
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This medical bill debt {$5900.00} dated XX/XX/XXXX from a collection agency call Ray Klein Inc. dba Professional Credit Services was/is not mine but was a data entry mistake at the hospital. When first contacted via phone calls they kept talking about a medical bill that I had Insurance for and was already paid. But they would never send me any information on it as they said they would and hadn't heard from them again. So I thought they had found my insurance paper work. My current employer then got a writ of garnishment for {$13000.00} years later in XXXX stating that I was served at an old employer which is false and does not match my identity at all. The woman who was served was a XXXX '' XXXX XXXX year old with XXXX hair and I am a XXXX '' XXXX woman with XXXX and i still won't be XXXX till XXXX. So I went to the hospital to gather the medical bill in question and found that it was a bill in my name with incorrect and/or old information for services that I had not had with medical conditions I don't have and not the bill they were talking about before ( which they read back to me ) I had also obtained a lawyer to fight this in court as they wouldn't accept the evidence that I provided and after some time they sent a release of writ of garnishment stating to refund monies collected during garnishment after they received an email from my lawyer. So I thought they had finally cleared this mess up especially since it had been past the 6 year & 10 year statue of limitation. Then I got a call a month ago trying to collect on the debt again and I forwarded the info from the case and that should have been the end of it but no. My employer received a new writ of garnishment on Friday.
|
| 11/11/2019 |
Yes |
- Debt collection
- Other debt
|
- Took or threatened to take negative or legal action
- Sued you without properly notifying you of lawsuit
|
|
Web |
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Professional credit service has not made any effort to contact me. I have received no letters from them. Ive not received any phone calls from them. The first I learned of this debt was from a letter I received in the mail from an attorney offering their services because a claim was filed against me. I contacted the courthouse and they provided me with the contact information for the company.
I called the phone number provided on XX/XX/2019. This was the first time Ive spoken with this company. At this time I was asked to confirm my address, phone number, and asked if it was ok to leave a voicemail. I was informed they were trying to collect a debt in the amount of {$970.00} ... for XXXX XXXX XXXX. I was also asked employment information which I declined to provide. I asked for the information on how to obtain the paperwork filed. I was given the phone number for someone named XXXX. I left him a voicemail on XX/XX/2019 letting him know Im hardly ever in XXXX XXXX and I was trying to get the paperwork from him ( assuming it would contain proof of debt ).
I never received a return phone call from XXXX. However he did leave the paperwork with someone at my residence on XX/XX/2019.
I called and spoke with XXXX on XX/XX/XXXX requesting proof of the debt. Also informing her that I would have no problem agreeing to the principal balance and collection fee provided they send me proof of the debt. She stated that would not hold off their pursuit of the fees and they would still pursue the fees. I told her thats fine Ill go ahead and file my response with the courts however I would still like proof of the debt.
|
| 05/22/2018 |
Yes |
- Debt collection
- Medical debt
|
- Took or threatened to take negative or legal action
- Threatened to sue you for very old debt
|
|
Web |
|
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In XX/XX/2013 I was seen at XXXX XXXX hospital ER in XXXX, Oregon one evening because I had a XXXX XXXX and couldnt XXXX XXXX XXXX. I was given XXXX XXXX and XXXX XXXX. I was diagnosed with an XXXX XXXX XXXX and discharged that same day. My insuranced denied my claim stating I should have been seen by my primary care instead of ER but my symptoms were not extreme until after clinic hours. XXXX then billed me and contacted me by phone saying I had a bill and needed to make arrangements to pay. I explained that we were a family of XXXX without the ability to pay even with payments at that time. I did then ignore several phone calls made after the first 2 because they were just calling to collect what I didnt have. The claim was sent to collections after a few months and Im now being sued in small claims court by Ray Klein Inc dba XXXX XXXX XXXX! I contacted them to arrange a pay off to put on my already stretch credit card if they are will to settle on an amount and they will not budge a cent. I can arrange payments of {$100.00} but they said they will still pursue a judgement but not enforce unless I dont pay but a judgement will still ruin my credit. I have 1 week left to either pay off, request a hearing in small claims or except judgement .... I think a non profit hospital should have given me a break, they said they had tried so many times to contact me and I told them I spoke with them at the beginning but all they could offer was payments I couldnt afford at the Time. Ugh frustrating, I know nothing can be done with my case at this point but still writing this in hopes it wont happen to anyone else
|
| 01/23/2017 |
Yes |
|
- Incorrect information on credit report
- Account status
|
|
Web |
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In XXXX 2016, I attempted to reach out to Professional Credit Services located in XXXX, OR for a collections account that is related to a medical bill. During the conversation, the agency stated they would investigate this account ( when I never requested this ) and never sent me any information about this collection so I can understand what medical insurance documents I had to send to prove it was paid. I am not certain how something can be investigated if I never got any information about it and I am unsure what specifically they are attempting to collect. According to the credit bureaus, the collection is for the amount of {$540.00} originally and now it is stating it is {$770.00}. Firstly, I attempted to go on all credit reporting agencies sites ( XXXX, XXXX and XXXX ) and it does not allow me to dispute because the collections agency Professional Credit Services recently updated their commentary on the account. The commentary on the account is not right! It says that the consumer disputed and the account is FCRA compliant. How is the account FCRA compliant if I never received any documents about this account and any evidence that the fees charged are valid. Under FCRA it states, '' report results to the consumer, generally within 30 days. '' It is more than 30 days at this point. There is no paperwork to denote the accuracy. I am requesting that the collections be removed from all bureaus due to noncompliance by this collections agency to properly send information pertaining to this account and adding on additional fees that were never identified or properly explained.
|
| 02/03/2017 |
Yes |
|
- Cont'd attempts collect debt not owed
- Debt is not mine
|
|
Web |
|
|
Good evening.
On XX/XX/XXXX, Ray Klein Inc. filed a writ of garnishment against me for {$1500.00}. I just received notice of my companies intent to withhold all or a portion of this amount from my XX/XX/XXXX paycheck.
Upon research I discovered that the majority of this collection is from my estranged wife 's medical debts. They combined several of my small debts with her big ones and filed against me.
I was never served. I called them on XX/XX/XXXX and they said my estranged wife received the papers at her address. They said they had the right to collect her debts from me as we are married. It took me 30 minutes to get to the proper person to verbally explain the nature for the debts they are collecting. We have been separated, living in different homes since XX/XX/XXXX. She filed for divorce on @ XX/XX/XXXX. It is not final yet.
My complaints are as follows : A ) I was never served prior to adjudication so I had no chance to respond. They say they served my ex but she says they did not.
B ) I have received no written information of the nature and source of the combined debts they are collecting. I have not had the opportunity to determine whether the debts are valid or mine as I never received advance notice.
C ) I should not be held liable for debts my ex has incurred since our separation.
D ) The amount they are having garnished from me on the XXXX of this month will cause an undue hardship.
E ) I have never lived at the address that they say they served. ( My former wife 's ) Please let me know what can be done to resolve this issues.
|
| 02/06/2017 |
Yes |
|
- Cont'd attempts collect debt not owed
- Debt is not mine
|
|
Web |
Older American |
|
On XX/XX/XXXX I was seen at XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX, XXXX, for a XXXX. I was XXXX and had a BRIEF consultation with a physician. I was placed in a XXXX and discharged. For that, I was billed an outrageous amount of {$3000.00}. The hospital deducted {$1000.00} and the insurance paid, leaving a balance of {$1300.00}.
After arriving back home in XXXX, I went to see my own doctor on XXXX who also XXXX and made an assessment and billed me {$470.00}.
My insurance paperwork from XXXX XXXX of XXXX states " The amount billed is greater than the amount allowed for this service. Based on our agreement with this provider, you 'll not be billed the difference. '' I repeatedly receive bills from XXXX XXXX and have twice sent in my insurance paperwork as well as faxing the same. XXXX XXXX has never responded to me as to their agreement or dispute of the paperwork. I was surprised then, to receive a notice from Professional Credit Service, located at XXXX XXXX XXXX, XXXX, XXXX XXXX ( or XXXX XXXX XXXX, XXXX XXXX, XXXX, XXXX, XXXX ) attempting to collect this debt of {$1300.00}.
I feel the exorbitant amount charged by XXXX XXXX, especially when compared with my doctor 's visit just 4 days later, was a deliberate and excessive charge on a patient residing out of state. My XXXX residence hinders me challenging this as I can not travel back and forth to obtain information and, as I 've mentioned previously, the hospital has refused to communicate in any way.
|
| 07/28/2015 |
Yes |
|
- Cont'd attempts collect debt not owed
- Debt was paid
|
|
Web |
|
|
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Oregon XXXX sent {$150.00} to Professional Credit Services, " collections ''. {$100.00} of it was paid to Professional Credit Services, " collections '' in XXXX XXXX. {$60.00} was paid to XXXX XXXX XXXX XXXX XXXX. XXXX did not recognize this payment until XXXX of XXXX. They sent the payment of {$60.00} to the collection agency in XXXX of XXXX. The collection agency and XXXX are requiring me to pay interest on the balance previously paid. XXXX had the funds for almost 4 years. They reported the full amount on my credit report for 4 years. I made XXXX aware of the issue, they paid the collection agency XXXX XXXX, and the interest is now on my credit report. I asked XXXX to pay me the interest or write off the interest and they wo n't. The interest is {$17.00}, it is not the amount but the lack of reconciling my account for 4 years and than demanding interest on money they had all along. XXXX owns the debit, the collection agency did not purchase the debit. From my point, this needs to be removed and back dated off my credit report. I have contacted both XXXX and Professional Credit Services and both will not release the interest on money they had for 4 years. I would like to see both these companies fined for abuse of my credit report. They both are aware the money was paid 4 years ago and are still demanding interest not earned due to the lack of reconciling my account.
|
| 05/08/2023 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt was result of identity theft
|
|
Web |
|
|
Friday, XX/XX/2023, at XXXX XXXX first call. Several calls to me after - harassment.
I received my first call as an urgent voicemail from XXXX, she said she was with Professional Credit Services, phone number XXXX.
When I called them back a different lady answered my call and would not transfer to this XXXX.
She said that they are collecting on an urgent debt and will be taking action and reporting to credit agencies if I don't pay now. Stupidly I gave her my birthdate and thought omg why did I do that, she asked me for my address and I told her I would not give that to her. She was mad. I know better than to give someone my birthday but she got me really upset.
The debt she was with a XXXX XXXX. I told her clearly ' " I never had an account with them in my life and that she committed fraud and I was recording the conversation, which I did record and I have it on my phone if you want it.
Again, I have no debts at all. Also, I filed XXXX XXXX during covid but this company was never listed because again I never had an account with XXXX XXXX or whatever she was calling it.
Please advise what to do and what you can do with this information, I am worried they are calling many people and they are all frauds. When I asked her my email they said a XXXX, (? ) I said that is wrong I gave them my email and said send to this to me in writing. I have not seen anything yet.
Thank you so much.
|
| 11/17/2016 |
Yes |
|
- Disclosure verification of debt
- Not given enough info to verify debt
|
|
Web |
|
|
So my situation is a little more complicated than what is listed above. I 've tried calling the CFPB but she could n't help me. Apparently I had debts in collection in XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX. In XX/XX/XXXX right as I was changing jobs, I asked for a statement. I changed jobs and had a hard time with familial things at the same time and that was the last time I heard from this Credit reporting agency. Since I work for the Veteran 's Administration and it was hacked right after I started in XX/XX/XXXX, my credit is monitored through XXXX. Today I got on to check activity and it showed activity from this credit reporting agency from XX/XX/XXXX and XX/XX/XXXX. I have not heard or seen ANY activity since XX/XX/XXXX from this agency. When I ran my credit report through XXXX, it shows XXXX accounts with Professional Credit Service that are CLOSED. When I called XXXX and asked why they had n't contacted me, all they said was we contacted you XX/XX/XXXX and that was the last we heard from you ( me ). I do n't understand how they can legally close accounts and reopen them and start posting to credit reporting agencies two years later with no notification. I 'm very broke and I can not afford any more debt right now. Please help. Please tell me if they can legally reopen accounts they have listed as closed and have n't notified the debtors ( me and my husband ) in TWO YEARS : (. THANK YOU.
|
| 06/08/2020 |
Yes |
- Debt collection
- Medical debt
|
- Attempts to collect debt not owed
- Debt was paid
|
|
Web |
|
|
On XX/XX/XXXX I had XXXX at a XXXX XXXX XXXX. One of the bills was for {$6600.00}. XXXX XXXX, my insurance company, paid {$4500.00} of this bill and on XX/XX/XXXX I was billed for the remaining {$2000.00} ( the XXXX XXXX statement attached to this complaint verifies that the insurance company paid {$4500.00} ). On XX/XX/XXXX I made two payments that totaled {$2000.00}. See attached screenshot from the XXXX XXXX website verifying payment. I have also included the EOB from the insurance company backing up the above figures.
Last XXXX, XXXX XXXX issued a rebate to XXXX XXXX for some reason ( presumably as part of their standard business relationship, which, according to XXXX XXXX, had nothing to do with my XXXX ). A clerk at XXXX XXXX [ presumably ] mistakenly applied {$530.00} of the rebate to my account, which had been closed since XX/XX/XXXX. So now XXXX XXXX 's ledger showed that I owed {$530.00}. I explained to them why I didn't ; XXXX XXXX explained to them why I didn't ; and then XXXX sent the debt to a collector, Professional Credit Service. They contacted me in XX/XX/XXXX and I responded on XX/XX/XXXX with all the proof that I did not owe the debt, and I asked them to stop contacting me ( as I understood it to be my right ). On XX/XX/XXXX they contacted me again ( illegally? ) to try to collect the debt. I have once again asked them to stop contacting me.
|
| 07/13/2019 |
Yes |
- Debt collection
- Medical debt
|
- False statements or representation
- Attempted to collect wrong amount
|
|
Web |
|
|
On XXXX @ XXXX XXXX, I contacted Professional Credit Services. I spoke to XXXX and XXXX that day. I communicated that I wished to make payment of {$760.00} which is what all three credit bureaus show I owe even though I believe this debt is not valid. I was told I owe {$3800.00} and they would only agree to a settlement of {$1800.00}. I declined this as a resolution since the amount they claim I owe is different from whats being reported on my credit reports from XXXX, XXXX, and XXXX. I paid cash for my visit to this hospital and believe this is an error in billing but was willing to pay the {$760.00} because the collection is causing me financial harm.
On XXXX at XXXX XXXX, I called Professional Credit Services and once again I asked for XXXX and was then directed to a gentleman whom I'm sorry I don't have his name. They had supplied me with the ref their end of XXXX. This was a drawn-out conversation as once again the whole subject was discussed and that's when I was told the {$1800.00} was now incorrect and that there was no way anything would be reduced and I owed {$3800.00}. Now, theyve changed the amount twice each time Ive called and the credit bureaus are still reporting that I owe {$760.00}. Again, I believe this collection is a mistake to begin with but was willing to pay what the credit reports showed I owe because it was causing me financial harm.
|
| 01/04/2016 |
Yes |
- Debt collection
- Other (i.e. phone, health club, etc.)
|
- Taking/threatening an illegal action
- Seized/Attempted to seize property
|
|
Web |
|
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The collection agency obtained a judgment against me only for medical bills associated with the birth of my and my ex-husband 's daughter even though I was legally married when she was born and covered under my husband 's medical insurance. I contacted them approximately 1 month ago to explain the circumstances of the bill, that the judgment should be against us both, that according to a court ordered divorce decree dated XXXX/XXXX/XXXX, my ex-husband is responsible for those medical bills, that I am currently on welfare ( food stamps & OHP ), that he is almost $ XXXX in arrears on child support, that he has no parenting time with the kids, I have no family to assist in the area, and I only work XXXX hours per week supporting the kids completely on my own.
Last week, my employer and I received a garnishment for {$2900.00}. The judgment is dated for XXXX/XXXX/XXXX and the bills are from on and around XXXX/XXXX/XXXX. They want to take up to XXXX % of my wages for medical bills that are over XXXX years old for my daughter 's birth when I am having difficulty financially supporting them now. I was told that it is perfectly normal to take legal action against only me for the medical bills and that I should hire an attorney. Clearly I can not afford that. Please help! This is completely discriminatory against me as the mother and disabling to my finances.
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| 04/03/2023 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt was paid
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Web |
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XXXX XXXX has received funding in the estimated amount of {$1500.00} on my behalf from XXXX a program which covers any/all balances on this utility account.I made several calls to XXXX XXXX to have my initial Deposit of {$180.00} returned to me in a check within XXXX business days after closing the Account back on XXXX XXXX. I was told I will receive this check in the mail which I also updated the new mailing address after waiting the allotted time no check was mailed to my current. I called XXXX XXXX and was told by another representative that they are sorry for the inconvenience and miscommunication but my initial security deposit 0f {$180.00} was applied to the final bill balance and any of the remaining money that was funded in the amount of {$180.00} of my deposit will be refunded back to the XXXX XXXX XXXX. I then called the direct agency to verify I gave no balance owed to XXXX XXXX. on my behalf and if that was the correct procedure to have any remaining allowed funding per participant returned back to them I then get an alert on my XXXX Credit Report notifying me that this is a debt that is owed to XXXX XXXX and its been given to PROFESSIONAL CREDIT XXXX XXXX XXXX XXXX, OR XXXX to collect the alleged debt amount of {$320.00} this is unfair inaccurate information reported on my credit report.
|
| 04/28/2018 |
Yes |
- Debt collection
- Other debt
|
- False statements or representation
- Attempted to collect wrong amount
|
|
Web |
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I got 3 infractions/citations in XXXX, OR original fine amount {$780.00}. Due certain circumstances I wasn't able to take care of it and then by my personal neglect missed the chance to deal with it within a year as per court statement. go turned over to collections with all the fees new balance of {$1500.00} Per court statement I can only settle with collections agency on monthly payments or pay in full to the court house. Neither one of them refuses to negotiate the debt. one of the reasons I could't take care of it is that I did not have {$800.00} to satisfy it and especially now {$1500.00}. It got turned over to XXXX XXXX XXXX out of XXXX, OR. Collections agency attempted to collect over {$1800.00} plus tried to charge interest rate. Court 's clerk stated that they can not charge any additional fees nor any interest as it is already built in into new owed balance. I need help to renegotiate the debt and at this time i'm willing to settle for original owed balance which is {$780.00}. this whole incident was caused by as what officer thought I crossed intersection on yellow light. It's unbearable punishment. My driver licence is suspended because of it and I can't support my family without it. Where is the fairness in this. and i'm at fault only because I didn't take care of it in timely manner.
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| 02/12/2020 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt was paid
|
|
Web |
Servicemember |
|
I received notice from Professional Credit Services from XX/XX/XXXX. They show that they are charging interest on an old cell phone bill with XXXX XXXX. supposedly I only owed {$36.00} on XX/XX/XXXX but Professional Credit Services has been charging 9 % interest on this account. I never signed a contract regarding interest to be added to my old phone bill. My contract that I signed was with XXXX XXXX. Late fees and other service charges were added to my bill but interest was never discussed. I certainly never signed a contract allowing a collection agency to add interest to my account. In XX/XX/XXXX, I began paying on this old bill. As you can see from Professional Credit Services as well as the printout from my payments through XXXX to Professional Credit Service, I have paid a total of {$200.00}. This is above and beyond the {$36.00} that I owed to XXXX XXXX. I feel that this account has been over paid and they owe me money. I only received notice recently of the interest that they have been charging and how much is going towards the principal.
I feel that I do not owe this debt. I believe that the collection agency should not be allowed to charge interest without my knowledge. Collection agencies should not charge interest without a written contract with the debtor. Please refund my money.
|
| 02/26/2022 |
Yes |
- Debt collection
- Medical debt
|
- Took or threatened to take negative or legal action
- Sued you without properly notifying you of lawsuit
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Web |
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I had medical debt that was sold to the debt collector, XXXX XXXX XXXX in Oregon. Original amount was $ XXXX. I was never notified of any intent to sue. In XXXX, I was informed there would be a garnishment of my wages and provided a paper that stated they had received a judgement against me back in XXXX. I was NEVER notified of this intent to sue or the outcome of the judgement. I lived at the same residence from XXXX until XXXX so there is no excuse for this. Additionally, when I called them to ask- they stated they served my Husband on behalf of me- in XX/XX/XXXX. This also did not happen. When pressed further on a specific date and location of when they served him- the call suddenly became dead air and I waited on the line for a while before ultimately disconnecting the call. This judgement was almost double the amount originally owed.
Recently I had to pay off the full amount for a loan purpose- and they did not inform my employer that they had collected the full amount until after I had been garnished again and overpaid by almost {$500.00}. I had to call and insist they email my payroll to correct this. During this time I was also informed that they had been charging a 9 % interest rate which ultimately resulted in paying nearly {$1000.00} more than the original judgement.
|
| 02/21/2022 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt was already discharged in bankruptcy and is no longer owed
|
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Web |
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I was a long time customer of XXXX XXXX. In the spring of 2021 we started experiencing service issues on several of our phones and worked repeatedly with the company to get those issues corrected. There were numerous calls to their tech support line and after many attempts it became clear that they were not going to be able to correct the problems. We cancelled service in XXXX of 2021. They billed us {$380.00} after we closed the account. We disputed this credit card charge through our bank in XXXX. On XX/XX/XXXX we recieved a letter from our bank saying we had won the dispute. XXXX XXXX continued to seek payment of that debt. I sent a copy of the letter from the bank to XXXX XXXX on XX/XX/XXXX asking them stop seeking payment. They still continued to seek payment and threatened to send it to a collection agency repeatedly from XXXX. I got notification from Professional Credit Service that they were seeking payment for a total of {$610.00} on XX/XX/XXXX. On XX/XX/XXXX sent Professional Credit Service a dispute letter. On XX/XX/XXXX Professional Credit Services sent me an email requesting payment for {$620.00}. On XX/XX/XXXX I called them and asked them to drop the debt and they refused. I requested to be transfered to a supervisior and was a told a supervisor would call me.
|
| 09/20/2020 |
Yes |
- Debt collection
- Other debt
|
- False statements or representation
- Attempted to collect wrong amount
|
|
Web |
|
|
In XX/XX/2020, The professional Credit Service is trying to collect money from me on behalf of ( XXXX ) XXXX XXXX XXXX XXXX ( XXXX XXXX ) for the service I did not receive. I have been trying to dispute this wrong billing directly with XXXX but they disregarding my dispute and is continuing to hold me accountable to pay {$300.00} for the wrong service they performed on me. They have now sent my unpaid bill to be collected by the collection agency, I tried to dispute with the Professional Credit Service but they couldn't fight and get me fair response from XXXX.
I went to urgent care on XX/XX/XXXX to XXXX in XXXX XXXX, CA, for a COVID test, the doctor who saw me ( DR. XXXX XXXX XXXX ) did not do the Covid test but they performed another kind of XXXX XXXX XXXX on me without my approval and now charging me for it!. I have been fighting this battle since XXXX this year and now I'm being forced to pay for something I didn't want.
I fear that if I do not pay, they will ruin/impact my credit. I have a well reputed job, I have an excellent credit score and I believe in paying all my dues on time but I do not believe in getting billed wrongfully and being forced to pay.
Hope you will consider my complaint and take the necessary action and support me.
Thank you
|
| 05/13/2018 |
Yes |
- Debt collection
- Medical debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
XXXX XXXX, collecting for XXXX XXXX, never sent me a Dunning Letter for this debt. Further, this debt is not mine. No contract exists and any dental care was not provided to me or with my authorization. My certified mail request for debt validation/verification, upon discovering this erroneous information on my credit report, was returned deliverable to the address provided by this company. Because this notice was not properly served, this is a clear violation of the law governing debt collection. Further, I have not had a chance to request verification/dispute this debt, where I attempted to formerly request a contract with my signature, information on the services provided, and clear demonstration of my financial liability for this debt ( which does not exist ). I also walked into XXXX XXXX and gave them the correct contact information for the individual who owes this debt prior to this assignment of this debt to this debt collector. If this erroneous debt collection is not discontinued immediately, I will file in small claims court for violation of FCRA. Further, I have reason to believe that due to such a blatant error, this dental office does not maintain appropriate HIPPA privacy practices and I will file formal complaint against them as well.
|
| 04/10/2015 |
Yes |
|
- Taking/threatening an illegal action
- Threatened to sue on too old debt
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|
Web |
|
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Ray Klein dba Professional Credit Service filed lawsuit in the XXXX XXXX of the State of Oregon for the County of XXXX case # XXXX for medical debts at XXXX XXXX XXXX in XXXX XXXX, OR for emergency room services performed on dates between XX/XX/XXXX and XX/XX/XXXX all of which was well beyond the State of Oregon XXXX year statute of limitation on debt collection. Also claimed principal in the amount of {$4700.00} and interest at 18 % per annum ( double the Oregon allowed 9 % ) totalling {$12000.00} for a total of {$17000.00}. This amount was utilized in the lawsuit to also put the total claim out of the range of small claims court to civil court when the plaintiff was further suing for collectable debt totalling {$2400.00} ( {$1.00} short of the {$2500.00} threshold to be civil versus small claims ). They are knowingly attempting to collect on too old debt, and utilizing that debt to move the case to a higher court that requires higher filing fees for defendant response. They also knowingly provided in the served copy of the suit incorrect filing instructions directing me to the XXXX XXXX XXXX XXXX. They also knowingly included instructions for response to a small claim when they filed in civil court.
|
| 09/12/2020 |
Yes |
- Debt collection
- Medical debt
|
- Took or threatened to take negative or legal action
- Sued you without properly notifying you of lawsuit
|
|
Web |
|
|
This is on Professional Credit in XXXX XXXX.
Ive made several attempts with XXXX XXXX in XXXX and XXXX. I asked for a detailed invoice statement to get a a loan from my XXXX at the company I worked. The first rep said she was sending a detailed invoice via email. She sends a broken link with no invoice. I call in and she lies claiming it takes a few days for the link to the invoice to load. It never works. I call back in and she claims she has to get authorization from her manager and never resends the link. I also asked for a paper statement she claimed that they they could never send that out. Now after several attempts by email to get my invoice and pay the amount in XXXX I finally received an e-mail in XX/XX/XXXX in the mail for paying the full amount Ive been making monthly payments on all along.
This company is crooked and when you try to pay the debt they dont even answer at their call center or via email to pay. If you do get a hold of someone they are worthless for getting you the information you need This bill was {$1100.00} I payed down. It was a medical bill on my daughter who was premature born and had breathing & eating difficulties. They sued me in court for this.
|
| 02/05/2022 |
Yes |
- Debt collection
- Medical debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
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My son was taken to XXXX XXXX in XXXX, XXXX by his mother. My son 's mothers name is XXXX XXXX, Me and XXXX XXXX were not married and I had no legal obligation to pay her debts. I was not present when XXXX XXXX took my son to XXXX and I signed no papers excepting responsibility for the payment. XXXX XXXX XXXX had XXXX bill her insurance for the visit. I was not on XXXX XXXX ' insurance but my son was.
XXXX has repeatedly billed me for the visit. I told XXXX I did not take my son tot he visit, but his mother did and she is responsible for the bill. XXXX has continually called me and sent letters to collect the debt, I have repeatedly told XXXX that I am not responsible for the debt.
I just received a collection notice from a debt collector for the bill. I called the debt collector that I was not responsible and wanted to dispute the debt. When I asked how to dispute the bill, the caller hung the phone up on me.
It is wrong for XXXX to continually harass me for the debt which I am not responsible for. The name of the debt collector is : Professional Credit Service XXXX XXXX XXXX XXXX OR XXXX My account number with them is XXXX.
I would appreciate help with this matter.
|
| 09/06/2022 |
Yes |
- Debt collection
- Medical debt
|
- False statements or representation
- Attempted to collect wrong amount
|
|
Web |
Older American, Servicemember |
|
I received a settlement offer dated XX/XX/2022 which has two options. The first option was to " Settle your account for a one-time payment of {$370.00} ; this option saves you {$150.00}. You can take advantage of this option if we receive your payment within 30 calendar days from the date of this offer. If paying at XXXX, use promo code XXXX to unlock your settlement while making your one-time payment. Please note that we are not obligated to renew this offer. '' Option # XXXX is to log into their secure mobile site to design a customized resolution for the account.
When I tried to use the mobile site to make the one-time payment of {$370.00}, on XX/XX/XXXX and XXXX, it would not let me apply the promo code - error message of " Promo Code Not Valid. '' I called on XX/XX/2022 @ XXXX XXXX, and the credit specialists said he could take my payment for a higher amount than {$370.00} because additional interest had accrued. However, the offer clearly states the offer is a " one-time payment of {$370.00} '' if executed within thirty calendar days from XX/XX/2022, with no mention that there is additional interest or that it is a discounted percent from the total.
|
| 04/12/2018 |
Yes |
- Debt collection
- Other debt
|
- Written notification about debt
- Didn't receive notice of right to dispute
|
|
Web |
|
|
we have been out of Oregon for the last 5 years and all of the sudden today received from my employer that they were garnishing my paycheck, Had no idea of the debt. all the sudden with no notification of any debt my check is being garnished. The company XXXX XXXX XXXX refused to give me any information on the account they were collecting on which is from supposedly XX/XX/XXXX. They have threatened to charge us {$500.00} every 2 weeks if we didn't give them a credit card. Fraud!!! The will not give me a copy of the paperwork and they threateded that they. They have never given us any paperwork and refuse to. FRAUD!! This all happened XX/XX/XXXX. They have caused me extreme stress not being able to contact the proper people to see if it is even a debt of mine. they have my employer information and they certainly had a current address but failed to contact me in any way. I would like to seek compensation in the amount of {$20000.00} for undue harassment and fraud stating they have contacted me when they haven't. Also I would like there licence pulled for failing to provide me with any paperwork when asked to send it to me. I have the phone call recorded.
|
| 05/27/2019 |
Yes |
- Debt collection
- Medical debt
|
- Took or threatened to take negative or legal action
- Collected or attempted to collect exempt funds
|
|
Web |
Servicemember |
|
On XX/XX/XXXX, Professional Credit Service / aka XXXX XXXX XXXX.and/or attorney XXXX XXXX garnished 100 % of available funds ( {$2200.00} ) from my personal checking account for collection on a judgement issued in XX/XX/XXXX for medical debt. I was in transition from one job to another, the funds in the account are all directly traceable to EXEMPT income per ORS 16.618. First in line for garnishment is the DOJ, who administers spousal/child support payments through employment garnishment. Because of the job change, only one employer took a portion of that support payment, meaning I was responsible for the balance, in order to remain current on this obligation. PCS took 100 % of available funds from a personal checking account, when a higher level garnishment order is in place. PCS failed to validate the source of the income taken. PCS did not use the legal State calculator to determine amounts available ( percentage of disposable income ) to secure this garnishment. PCS took my saved Child Support and is now directly responsible for my arrears with the DOJ ( and my children ). This is unconscionable, and illegal per several Oregon regulations.
|
| 11/11/2016 |
Yes |
|
- False statements or representation
- Attempted to collect wrong amount
|
|
Web |
|
|
XXXX has multiple accounts for medical-only bills. XXXX of the accounts went to a judgement. I set up payments starting in XX/XX/2016 for {$50.00} every other Friday. When setting this up, I was ensured that all payments would go toward judgement accounts, not others. I called on XX/XX/2016 to inquire about balance, and was concerned it did not match up with my personal records. They sent me a detailed statement. I called back on XX/XX/2016 and spoke with XXXX and found out that there were many discrepancies, including the fact that payment had been applied to other low-balance, non judgement accounts. XXXX, I also pulled my annual credit report and found that account numbers and amounts did not match the records they provided me with. I asked for someone to call me or provide me with written documentation when the payment had been fixed reflecting the amount I paid, but was told that was not possible. XXXX became very irritated and aggressive when I let him know I was concerned by the discrepancies in all my information and would not be making further payments until I knew where my money was going.
|
| 09/22/2015 |
Yes |
- Debt collection
- Other (i.e. phone, health club, etc.)
|
- Taking/threatening an illegal action
- Attempted to/Collected exempt funds
|
|
Web |
|
|
I had an on the Job Injury. XXXX did not pay {$700.00} while I was going to XXXX XXXX XXXX XXXX. XX/XX/XXXX It was sent to Ray Klein Inc. dba Professional Credit Service. I was then put on SSI.
XXXX XX/XX/XXXX Ray Klein Inc. dba Professional Credit Service Garnished my savings from an out of XXXX Credit Union for {$1400.00}. I spoke to An Attorney XXXX XXXX an was told this was illegal.
Spoke with XXXX XXXX employee of Ray Klein inc. dba Professional Credit Services he said to fax copies of bank statements showing my SSI direct Deposit and copy of Bank statement showing where I sent the deposit into savings. I would be refunded. I did send copies. I am contacted by XXXX XXXX Ray Klein employee dba Professional Credit Service she asked for the same thing I refaxed paper work. I told her I want a " Refund '' of {$500.00} for the reimbursement of my SSI she said it would have to be a Loan I would need to make payments on. Now they have all my Bank info an I have to change to a XXXX card instead of a bank so they wont have my information. I have been lied to regarding this and I Want my monies back.
|
| 11/04/2016 |
Yes |
|
- False statements or representation
- Attempted to collect wrong amount
|
|
Web |
|
|
This is a medical bill that I had set up payments with the hospital to pay and then lost my card and got a new one and forget to change it with the hospital by the time I call the hospital to set it up again 60 days later it was transferred to a collector ( my fault I should have called sooner ) I called the collection agency professional credit service ( who I had n't received any paperwork from, the hospital had my address and managed to send all the bills after my XXXX to my correct address but the agency decided to send them to my parents who I have n't lived with for 10+ years ) to schedule payments and she informed me my bill was now {$2700.00} instead of what I had paid it down to with the hospital of {$2500.00}. When I asked why that was she informed me they would be adding 9 % interest to my bill each month until I could pay it off ... WHICH SEEMS CRIMINAL! I started looking at if this was legal and the only thing I could find is that debt collectors ca n't charge me more than my original contract which I assume was the original bill from the hospital for just over {$3000.00}
|
| 03/25/2023 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt was paid
|
|
Web |
|
|
A monthly cell phone bill was paid after being prorated for actual daily use. The service was cancelled with the provider ( XXXX XXXX ) because of customer finding a better service.
Consumer cellular called XXXX times over a period of 2 months. I discussed the issue with the XXXX XXXX rep, and they told me that I had to pay for the full month of service. They informed me that their contract with me does not allow proration of service. I wrote a complaint letter to XXXX XXXX explaining ( after reading the contract again, that there was nothing in the contract that prevented pro rationing of daily use service upon cancellation.
I did not hear anymore from XXXX XXXX until about 6 months ago where their collection agent, Professional Credit Service sent me a demand for payment ACCT # XXXX. I wrote them a letter stating the same information that I sent to XXXX XXXX. The collection agency has not responded and continues to send me a demand for payment letter.
I do not owe any amount to XXXX XXXX and have paid them in full for services provided.
XXXX XXXX
|
| 08/05/2019 |
Yes |
- Debt collection
- Other debt
|
- Communication tactics
- You told them to stop contacting you, but they keep trying
|
|
Web |
|
|
On XXXX -- XXXX I received a letter From Professional Credit Service Regarding aXXXX XXXX XXXX XXXX a violation for a XXXX license for a XXXX that XXXX away almost XXXX years ago. I sent a certified letter for them tp provide XXXX XXXX XXXX XXXX name and address of original creditors Documentation showing that they have verified that I am responsible for this dept, or a copy of any judgement.
Documentation that they are licensed to collect debts in WA XXXX.
I notified them that I was in the XXXX day window and that I was disputing dept and to stop all further collection attempts until they provided requested information.
They received my certified letter on XX/XX/2019 and I have signature for the certified letter.
They continue to call which I can provide phone records and they sent another collection notice on XXXX, XXXX XXXX.
They have not provided any of the information that was asked for in my certified letter which they received on XX/XX/2019. Following the guide line provided by the federal Fair Debt Collection Practices Act ( FDCPA ).
|
| 10/15/2021 |
Yes |
- Debt collection
- Medical debt
|
- False statements or representation
- Attempted to collect wrong amount
|
|
Web |
|
|
XXXX XXXX XXXX referred me to Professional Credit Service ( PCS ) for a medical bill that they wrongfully sent to collections, after the advised me I was eligible for XXXX XXXX. I submitted the application and required documents and was told XXXX XXXX picked up my account and my balance was {$0.00}. The didn't send me prior notice or call me to inform if they had made an error or before they decided to reverse the fees and refer me to collections. There are federal and state protection laws that require that they make reasonable attempts before referring to collections, including that I am provided with 150 days from the initial billing prior to making attempts to collecting on a debt. This was not the case, and I was mislead to believe I was approved for XXXX XXXX. Then when I asked for a notice I received the approval notice with different dates that does not coincide the medical billing date for I applied for. I need PCS to immediately stop all collections made against me until this matter is resolved with XXXX XXXX XXXX.
|
| 04/19/2022 |
Yes |
- Debt collection
- Other debt
|
- False statements or representation
- Attempted to collect wrong amount
|
|
Web |
|
|
Professional Credit Service attempted to collected a debt for more than what was owed on my original debt.
The original debt was for XXXX and they attempted to add on a fee of XXXX + interest charges of XXXX.
The debt was eventually rescinded via the original owner of the debt. XXXX of XXXX Utility Billing. ( I believe they messed up and sent my account to collections to early ) Professional Credit Service took a debt collection on XXXX XXXX when my due date was XX/XX/XXXX.
Pretty sure both parties messed up and that's why XXXX of XXXX fixed the issue. However, PCS was hostile and wouldn't remove fees when I called to pay the original amount of XXXX.
I had to call back XXXX of XXXX and have them rescind the collection request.
PCS also wouldn't tell me if they were abiding by the law. I was under the assumption that collections were allowed until 30 days after due date. I would like to know the lawful ability for companies to send your account to collections to make sure PCS is abiding by federal law
|
| 11/30/2019 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt was paid
|
|
Web |
|
|
Professional Credit Service for XXXX XXXX.
In XX/XX/2015 I switched by cellular company & went to XXXX.
I opted to keep my same phone number.
When I left XXXX XXXX I had an outstanding balance of {$50.00}.
I was planning on paying this balance in XX/XX/2015 along with any late fees that were accrued.
In XX/XX/2015, XXXX XXXX starting charging me for 2 months of service.
When I reached out to them for an explanation, I was told because I did not notified them.
This is a TOTALLY false statement, because when someone changes providers the new company ( XXXX ) will contact the current company ( XXXX XXXX ) to see if the service is still active.
So XXXX XXXX was made aware of this.
I also complained to XXXX XXXX and to the collection agency. 4 YEARS later and I am still being billed, penalized and there is no resolution in sight!
I am willing to pay the {$50.00} plus REASONABLE late fees, but certainly not the {$200.00} that the GREEDY DEVILS are looking for.
Please help me to CLOSE this matter.
|
| 06/20/2019 |
Yes |
- Debt collection
- Medical debt
|
- Communication tactics
- You told them to stop contacting you, but they keep trying
|
|
Web |
|
|
On XX/XX/2019, I requested a validation of debt to Professional Credit Service ( PCS ) via US Mail. The alleged debt is {$200.00} from XXXX XXXX. I requested documents to be sent to me via mail, and I informed the company to cease all telephone calls and robo calls to me, family member, friends, and associates according to the Fair Debt Collection Practices Act ( FDCPA ). The company sent me a letter XX/XX/XXXX requesting additional information. I sent another letter on XX/XX/XXXX explaining to them that the only information I had was the information reported in my credit file. For the second time, I sent PCS a copy of my credit report which shows their information. I do not owe this debt.
On Wednesday, XX/XX/2019, a representative ( XXXX XXXX ) from PCS called me from ( XXXX ) XXXX at XXXX on a recorded line. This company, Professional Credit Service, has violated the FDCPA by calling me after I insisted them to cease collection and calls.
Until this date, the company has not provided validation of debt.
|
| 06/19/2017 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Account status incorrect
|
|
Web |
|
|
My son had XXXX in XXXX of XXXX . He had XXXX ( Medical ) a nd the procedure was fully covered. The procedure was done through XXXX XXXX XXXX . On XX/XX/XXXX , I went on XXXX XXXX to check my credit, and noticed a collection account in the amount of {$7300.00}. I was shocked. I immediately called XXXX XXXX and they explained that the bill never got paid so they sent it to collection. I explained I never even received a bill. The lady then said well I 'll check XXXX 's eligibility for the date if service rendered and she found the service was completely covered. She apologized profusely and stated the hospital biller had made an error and was billing the procedure in my name, so it kept getting denied. My concern it that this is n't fair. This has apparently been affecting my credit for 7 months and it 's still on there due to XXXX 's own incompetence. This is n't fair to me and would really appreciate some help or insight as to what action I can take at this point.
|
| 03/16/2017 |
Yes |
|
- Improper contact or sharing of info
- Talked to a third party about my debt
|
|
Web |
Older American, Servicemember |
|
Ray Klein Inc., XXXX Professional Credit Service of XXXX, OR. sent a writ of garnishment to a company I do business with that has no connection to the debt they claim I owe. I believe it was in retaliation for a contentious call I had with a Ray Klein Inc. employee and was done deliberately and with the intent to embarrass me. I have copies of the writ that was sent to XXXX in XXXX Ohio. XXXX is not my bank, nor are they involved in this matter at all, nor have they ever been. Ray Klein Inc. just picked a name off of my personal credit report and sent a third ( uninvolved party ) embarrassing personal details about this dispute including my social security number.
I am not even sure that the debt that they are harassing me about is even valid. I was never served for this judgement they claim to have, nor was I notified by mail certified or other, but it sure shows up on my credit report. I think this company has engaged in illegal collection practices and I want them penalized for it.
|
| 11/05/2018 |
Yes |
- Debt collection
- Medical debt
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- Attempts to collect debt not owed
- Debt was already discharged in bankruptcy and is no longer owed
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Web |
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Clinic : XXXX XXXX Creditor : XXXX XXXX XXXX/Ray Klein Amount : {$3100.00} Judgement court : XXXX County District Court of Washington State Bankruptcy Attorney Lawyer : XXXX XXXXXXXX XXXX I am contacting you regarding erroneous reporting by a collection agency.
In XX/XX/2016 I discharged in a Chapter XXXX Bankruptcy a medical debt for the Clinic and Collection agency. The debt was listed on my credit report from XXXX-XXXX for {$3100.00}.
Now that I am applying for a home loan, the collection agency has a judgment reported for the same clinic that was discharged in the bankruptcy in XXXX.
I have contacted the collection agency and so have my bankruptcy attorney with no prevail to have the judgement removed.
Per my bankruptcy attorney, Ray Klein was notified, I double checked schedule E/F and they appear there and the court documents indicate they were served.
What course of action can I take as this is holding up my progress of receiving a approval for my home loan?
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| 02/14/2019 |
Yes |
- Debt collection
- Medical debt
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- Written notification about debt
- Didn't receive notice of right to dispute
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Web |
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XX/XX/XXXX - received an email saying my accounts fell below {$25.00}. Checked accounts and noticed my accounts were levied taking {$4700.00} and having them sent to debt collectors, XXXX XXXX.
XX/XX/XXXX - Called XXXX XXXX telling them that I was never sent any paperwork before they emptied my bank account. I also never received a call from them informing me of my debt.
XX/XX/XXXX - received paperwork that informed me of said debt of {$8800.00}. Only after they levied my bank.
XX/XX/XXXX - I called XXXX XXXX and had let them know that I would continue to pay my remaining debt through my wages at work.
Since then I have not heard from them at all.
XX/XX/XXXX - get a missed call from XXXX XXXX. I call back and they confirmed my name, but needed to confirm my date of birth. I told them I want paperwork first before continuing the conversation. They said okay we will block your number have a good day. They did not even confirm they were going to send me anything.
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| 02/12/2020 |
Yes |
- Debt collection
- Medical debt
|
- False statements or representation
- Attempted to collect wrong amount
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Web |
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In XX/XX/2019 I called XXXX XXXX of XXXX to ask if they were in network for my insurance, XXXX XXXX XXXX XXXX because my physician told me I should go to the emergency room. XXXX said that they were in network which meant they would accept what the insurance paid them and an additional co-pay of either {$35.00} for urgent care or {$100.00} for an ER visit.
After I was treated and XXXX collected more tan {$1700.00} from my insurance company I learned that they had lied about being in network and subsequently began billing me {$210.00}. I contacted them and told then that I should only be billed for the {$35.00} copay since I was not admitted to the hospital. ( it is not my fault that their employees do not know what they are doing and are poorly trained and give out wrong information -- or that they instruct their employees to lie so as to make more money. ) They refused and threatened to put me in collections. That threat was obviously not and idle one.
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| 09/23/2020 |
Yes |
- Debt collection
- Credit card debt
|
- Communication tactics
- Frequent or repeated calls
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Web |
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I have been making payments each and every month to PCS since XX/XX/2013 ( 7years ) I have not missed sending them a monthly payment, yet.
Recently, they've decided they need to call me and email me asking where my payment is - ( it's already been sent - and the month is not over yet -but they call and email me ) I talked to them on the phone and they talk like i've not been making payments every single month for 7 long years. They act like i'm being difficult and not sending them anything, when i told her I haven't missed a month yet, why are you calling all the time now? She says i need to make a payment ( like i haven't been! ) - it's frustrating. I told the last caller to not call me anymore. So now they sent an email, which i can not reply to. I'm just annoyed. I don't need to be harassed when i'm sending you money each and every single month. I could understand if I haven't been good about making payments to them, but I have!
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| 06/10/2015 |
Yes |
- Debt collection
- Other (i.e. phone, health club, etc.)
|
- Cont'd attempts collect debt not owed
- Debt is not mine
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Web |
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I have been summoned to small claims court over a debt for a doctor bill. I had been paying on the debt the best I could and it was turned over to a collection agency. The collection agency has sent me XXXX letters and I have received no phone calls. The amount of money that they say that I owe is more than the agreed amount that I had arranged with the doctor. In the XXXX bill they sent me was in XX/XX/XXXX and the doctor bill was inflated by about 300 dollars and there was a hospital bill that did not belong to me from 2004. The next bill I received was just for the doctor bill ( still inflated ) and there was a threatening note above the statement that stated : We have tried to contact several times and you ignored us, so unless you respond we are going to have to file suite . So, I responded. They did not like my response so they served me papers. I had offered to pay the amount that I owe but they would not except that offer.
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| 08/17/2021 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt is not yours
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|
Web |
Older American, Servicemember |
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On Tuesday, XX/XX/XXXX I called XXXX XXXX to check the status of a order of a SIM card that I had not received since I tried to order it almost three weeks earlier. I was informed by XXXX XXXX that I did not receive the SIM card because of a debt that had been incurred XXXX.
According to the The Fair Credit Reporting Act of 1970 XXXX XXXX and Professional Credit Services are excreting unfair credit practices by ( 1 ) XXXX XXXX refused to allow me telephone services for a debt thetas ( 7 ) years old. Debt incurred in XX/XX/XXXX, of XXXX, and XX/XX/XXXX of XXXX made the debt 7 years old.
Professional Credit Services XXXX XXXX XXXX XXXXXXXX, Oregon XXXX ; Account No. XXXX ; Debit from XXXX XXXX XX/XX/XXXX - XX/XX/XXXX I am accusing both companies of violating my rights under The Fair Credit Reporting Act of 1970 and discriminating against me based on my age XXXX years taking advantage of me because of my age.
|
| 12/07/2021 |
Yes |
- Debt collection
- Other debt
|
- False statements or representation
- Attempted to collect wrong amount
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Web |
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I was presented with a bill for an unidentified creditor. The Creditor information provided is simply XXXX XXXX XXXX XXXX XXXX XXXX along with 2 truncated original account numbers. The actual utility is not identified, and the truncated account numbers match no accounts I have ever held. Presumably if I contact one of their agents, I will be provided with a creditor name but what is puzzling is that this company is using a phone number which is not associated with my address in XXXX XXXX, CA. To be certain that the accounts are not legitimate, I confirmed with each utility that I had accounts for in XXXX XXXX have final billing settled and accounts are all closed.
When I conducted a search on this collection company, others were warning that the company was actively scamming and extorting people with false bills, so I have not contacted them as I do not wish for them collect more information for their fraud.
|
| 10/26/2023 |
Yes |
- Debt collection
- Medical debt
|
- Took or threatened to take negative or legal action
- Threatened or suggested your credit would be damaged
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Web |
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I am paying monthly automatic payments. i needed to lower the payment amount and did so but they told me it is not enough and threatened to follow through with the law suit if i didnt raise the payment amount in XXXX. I was under the impression that as long as i was paying for it they could not dictate the payment amount or threaten me if i didnt pay the amount they want. It felt terrible and after thinking it over the last couple of months i decided to file the complaint that professional credit made me feel like absolute garbage and that my financial well being is in danger having to pay more to this agency.
I did not realize the payment had been declined and stopped so i reached out to them to start payments at a lower rate than i was paying before. the woman i talked to said what i was offering to pay ( which is all i can afford and still feed my kids ) is not enough and i will have to raise it in XXXX
|
| 06/06/2017 |
Yes |
- Debt collection
- Medical debt
|
- Attempts to collect debt not owed
- Debt was paid
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Web |
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A medical XXXX by the name of XXXX XXXX at XXXX XXXX in XXXX WA. Without permission requested tests beyond what my wife requested which ended up costing us 4 times the amount that was expected. We disputed this amount with the XXXX XXXX and ended up reporting the doctor to XXXX XXXX XXXX XXXX. Since then XXXX XXXX turned our bill over to a collection company by the name of Professional Credit Services. I spoke with them on several occasions until XXXX XXXX 2014 when I agreed to pay the money that was correctly owed to resolve the case. Since then I have not heard from them until this week when I got notice of still owing {$690.00} plus interest of {$230.00} -- some two and a half years later. It is for this reason that I am reporting them to you in the form of a complaint. Also to be clear, we have continued to get services at XXXX XXXX and have no problems with our account regarding other doctors.
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| 04/18/2019 |
Yes |
- Debt collection
- Medical debt
|
- False statements or representation
- Attempted to collect wrong amount
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|
Web |
Older American |
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Medical debt from XXXX XXXX was turned over to XXXX XXXX XXXX. They turn the collection over even if you are making payments. I now make my payments, at 13 % interest, directly to the collection agency. I recently questioned them as to how my payments are credited as they structure the debt by individual invoice. As an example, one invoice may be for {$15.00}, another for {$40.00}, etc. They told me that the payment is split evenly amongst the invoices. Therefore if I have 5 invoices {$5.00} of my {$25.00} payment will be made to each invoice.By my calculations, depending on the balance on each account, the debt will never be paid as that {$5.00} will go to interest and not to principle. I would like to assign the payments to particular invoices so that I can get them paid off. What options do I have as the company insists that that's their policy and I have no other options?
Thank you.
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| 01/12/2024 |
Yes |
- Debt collection
- I do not know
|
- Attempts to collect debt not owed
- Debt is not yours
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|
Web |
Servicemember |
|
I was initially contacted by Professional Credit Services on my phone number XXXX regarding a debt collection call. They were looking for someone who was not me, XXXX XXXX. I told them during that phone call on XX/XX/XXXX XXXX at XXXX PST, that I was not the right person they were looking for. However, they have continued to call me even though I dont any debt to them. They have caused me stress, and emotional harm due to which I am unable to sleep at night and function properly during my day job. I am looking to seek a damage compensation and violation of privacy from them.
I am attaching a screenshot of a call from their numberXXXX on XX/XX/ that was verified by the carrier during which I told them I am not the right owner of the debt and not to contact me. And additional screenshots of phone call and voicemails, regularly past that date in a daily basis despite of XXXX request.
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| 08/02/2016 |
Yes |
- Debt collection
- I do not know
|
- Disclosure verification of debt
- Not disclosed as an attempt to collect
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Web |
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I have received XXXX phome calls from ( XXXX ) XXXX in the past two weeks. They only ask to speak to me by name, the XXXX time they had gender mixed up, they ask for my address, date of birth, and other information and refuse to tell me what they are calling about at all until I give them the information. I asked who they are and the first time they declined to tell me anything, just that it is, " A personal matter. '' I googled the number and found it to be " Professional Credit Service '' which was littered with reviews and complaints ranging from scam, to rip off, to incompetent. The XXXX time they called, they told me they were from Professional Credit Service, but woild not give me any more information. I have asked them to stop calling if they are unwilling to tell me what they are calling about without soliciting my personal information.
I suspect they will continue to call.
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| 01/27/2016 |
Yes |
- Debt collection
- I do not know
|
- Cont'd attempts collect debt not owed
- Debt resulted from identity theft
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Web |
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XX/XX/XXXX-XX/XX/XXXX I was a victim of identity theft. The person at the time worked for me in my house. They passed away XX/XX/XXXX and I started receiving calls for accounts that I had never opened. I filed an ID theft affidavit with the FTC and a police report. Most of the collectors ceased collection attempts after notification. Professional Credit Service ( PCS ) has continually harassed me about this debt since XX/XX/XXXX even after they have been provided the ID theft affidavit and the police report. Now they have sent me a letter stating they are going to sue me because I have not responded. I am attaching XXXX XXXX showing that I responded XX/XX/XXXX and XX/XX/XXXX. I also filed the reports with the credit bureaus XX/XX/XXXX and had to have security freezes put on my reports. I do n't understand why they are still harassing me on a debt that is not mine.
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| 02/03/2016 |
Yes |
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- Cont'd attempts collect debt not owed
- Debt was paid
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Web |
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I went to XXXX XXXX once. I paid a fee on the day of the appointment. The office was suppose to bill my insurance company. The office did not bill the insurance, and sent my account to collections. I notified the collection agency that my account should have been billed to XXXX. XXXX XXXX finally filed my claim. I owed an outstanding balance, which I quickly paid. However, I refused to pay the late fee. I wrote in my letter that I would make payment in full less the late fee. I wrote that the check enclosed would constitute payment in full. The collection agency accepted the payment but billed me again for a late fee, and the late fee had increased. I wrote them back again explaining that the late fee was not my fault, XXXX XXXX failed to file the claim. The collection agency sent the late fee claim to the credit bureau and my credit score has decreased.
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| 01/09/2020 |
Yes |
- Debt collection
- Auto debt
|
- Took or threatened to take negative or legal action
- Sued you without properly notifying you of lawsuit
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Web |
Servicemember |
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XX/XX/XXXX, received complaint from Circuit Court state of Oregon of breach of contract Case Number : XXXX, XX/XX/XXXX : I reached out to the debt collector and spoke with the attorney representing the debt collector, she stated since you called we are no longer going to pursue this legally and will work with me to resolve this debt, negotiations abruptly stopped I received written notice from the attorneys office representing the debt collector advising me the current attorney has been let go from the firm and a new attorney would be appointed.
XX/XX/XXXX Received general judgement ordered by the court. Awarding debt collector. We were mediating payments and amounts prior to the attorney being let go/ terminated. correspondence stopped and the collection agency stopped all mediation and contact under this new attorney XXXX XXXX XXXX
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| 12/10/2015 |
Yes |
- Debt collection
- Other (i.e. phone, health club, etc.)
|
- Cont'd attempts collect debt not owed
- Debt was paid
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Web |
Older American |
|
complaints : XXXX Consumer Cellular service and Professional Collection Service have made XXXX entries with Credit Reporting agencies once XXXX 2015 and XXXX 2015 stating that I have an account balance that goes unpaid and is in dispute. My previous complaints clearly points out that the balance consists of fees that are not justifiable.
They are attempting to damage my credit rating by using this approach. Again, Consumer Cellular and Professional Collection Services are attempting to have me pay a {$25.00} fee plus XXXX-dollar late fees due to my refusal in releasing a dispute with XXXX XXXX against XXXX XXXX for an unauthorized debit on my bank account.
Please review my previous complaints ; I was notified of the Credit Report activity by my Credit Union on Wednesday XXXX/XXXX/2015, confirmed by the Credit Reporting Agency XXXX.
|
| 12/31/2019 |
Yes |
- Debt collection
- Other debt
|
- Written notification about debt
- Didn't receive notice of right to dispute
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|
Web |
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The collection agency has used deceptive practices by serving me at an address that they knew that I did not reside at because they pulled my credit. I also did not know that this company won in court a default judgment in which I had a judge vacate because I was never properly served.
I also sent a letter to validate the debt not knowing that I had even lost a case with USPS tracking number XXXX that clearly states on my return information that my address XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, GA XXXX. They replied to my parent 's address. The only reason I found out was my dad had XXXX on XX/XX/2019 and I went home to help him with his recovery and that's when I went to court to get a motion to vacate.
This company practices deceptive practices and should be punished for its willful violation of the FDCPA.
|
| 01/07/2016 |
Yes |
- Debt collection
- Other (i.e. phone, health club, etc.)
|
- Cont'd attempts collect debt not owed
- Debt is not mine
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|
Web |
Servicemember |
|
I HAVE RECEIVE SEVERAL ATTEMPTS FROM XXXX FOR BILLS IN THE AMOUNT OF {$130.00} WHICH KEEP INCREASING EACH MONTH DATING BACK FROM XXXX/XXXX/2015 TO PRESENT.MY LAST PAYMENT TO THEM WAS MADE ON XXXX/XXXX/2015 BY CREDIT CARD IN THE AMOUNT OF {$28.00} FOR THE PERIOD XX/XX/XXXX TO XX/XX/XXXX. MY NUMBER WAS REQUESTED BY XXXX XXXX XXXX TO BE SWITCHED OVER TO THEM WHICH THEY REFUSED. IN THE MEAN TIME I WAS GIVEN A FREE PHONE BY ASSURANCE THUR XXXX WHICH GAVE FREE CALLS AND TEXT UNLIMITED STARTING XX/XX/2015. SO THERE WAS NO NEED FOR XXXX SERVICE ANY LONGER. YET THEY CONTINUE TO SEEK PAYMENT FOR SERVICE I DID NOT NEED OR USE. NOW THEY HAVE SENT ME TO COLLECTIONS ( PROFESSIONAL CREDIT SERVICE # ( XXXX ) XXXX COLLECTION AGENCY ACCOUNT ACCT REP PHONE # ( XXXX ) XXXX. I TRULY BELIEVE THEY ARE TAKING ADVANTAGE OF ME.
|
| 04/17/2020 |
Yes |
- Debt collection
- Other debt
|
- Written notification about debt
- Didn't receive enough information to verify debt
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|
Web |
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Received a letter from : Professional Credit Service XXXX : XXXX XXXX XXXX Claimed that they are collecting on behalf of Oregon Department Of Revenue.
Amt = {$140.00} When I called them - the amount was = {$1600.00} I asked for tax information and more information on the debt.
The agent XXXX request that I write in to their company - they can then get approval from Oregon Department of XXXX to release to me.
They asked for my last XXXX digits and I regretted providing.
Because when they tried to verify my home number - the number they have on file was wrong.
Please help me check if they are legit?
I'm requesting for debt information : Tax letters so that I can verify they are collecting on behalf of the XXXX department.
I need proof that I owe Oregon Department of XXXX money
|
| 07/30/2018 |
Yes |
- Debt collection
- Medical debt
|
- Written notification about debt
- Didn't receive notice of right to dispute
|
|
Web |
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I recently checked MY Credit report on XX/XX/2018, and I noticed an account was in collection for XXXX a medical debt. with no collection company or original company, I had to call into XXXX to find out who was reporting me. they had told me XXXX XXXX XXXX was the owner of the debt and the original company is XXXX XXXX XXXX. I have yet received any contact from XXXX XXXX XXXX which makes them unprofessionally. I want to know Why my medical information is being sold to a 3rd part debut collector in which they have violated my personal rights under the HIPPA Act. Do I want to know if this Collection company is legally able to collect in my state of California?
I also want to know who your insurance company and policy number to further pursue legal action against your company.
|
| 12/08/2023 |
Yes |
- Debt collection
- Other debt
|
- Communication tactics
- Used obscene, profane, or other abusive language
|
|
Web |
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Professional Credit Service sent me a bill a year ago with an option to pay online, over text, or via phone call. However, the bill did not include an invoice number so I wasnt able to pay online. My attempts to pay over text went unanswered. When I attempted to call, there was no option to speak with a representative and the robot would not accept the account number I retrieved from the bill. I tried several times to pay, but none of the options provided by the company allowed me to do so. Today, I was able to get my account number to work for the first time over the phone. I now owe ~ {$300.00} in interest because of how late the payment was. However, the only reason it is late is because I was unable to pay due to their website, text, and phone service not working.
|
| 10/10/2023 |
Yes |
- Debt collection
- Telecommunications debt
|
- Took or threatened to take negative or legal action
- Threatened or suggested your credit would be damaged
|
|
Web |
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We cancelled XXXX XXXX long ago and they were paid in full. After cancellatioin XXXX XXXX kept sending us erroneous bills. We disputed the charges when the bill was erroneusly charged at {$24.00} with XXXX XXXX because of repeated erroneous charges for late fees upon late fees and fees for eBill/ Auto Pay Opt Out. We were never late, we closed out service correctly and we were never offered eBill Auto pay Opt Out. After the XXXX investigation, they ruled in our favor. This information was provided to XXXX XXXX in documents and verbally. XXXX XXXX ignored the result and referred this to a collection agency Professional Credit Service who was also provided this information are now harrassing me, adding to the debt and are threatening me with credit destruction.
|
| 12/05/2018 |
Yes |
- Debt collection
- Medical debt
|
- False statements or representation
- Attempted to collect wrong amount
|
|
Web |
|
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I have a debt collector coming after me for a debt that I admit I have, the problem is that the debt collector is saying I owe over double the original amount. The FDCPA ( fair debt collection practices act ) states ; Collectors can add fees or interest ONLY if the amount is expressly authorized by the agreement creating the debt. Due to the fact that this is a medical bill the original agreement does not have interest or late fees on this debt therefore against the FDCPA regulations. They should not be able to pursue this larger amount of what I originally owe. It is against the law. I have no problem paying the original amount, but they have added so much interest that it is now close to impossible for me to take care of this amount they say I owe.
|
| 07/22/2021 |
Yes |
- Debt collection
- Medical debt
|
- Attempts to collect debt not owed
- Debt was paid
|
|
Web |
Older American |
|
i am receiving XXXX care through the XXXX XXXX XXXX XXXX for which they bill me after they have been reimbursed by XXXX and XXXX supplement programs.
On XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX they have billed me {$320.00}, {$100.00}, {$280.00}, and {$110.00} respectively for services rendered. I have paid XXXX XXXX XXXX XXXX each of those amounts by checks # XXXX on XX/XX/XXXX, # XXXX on XX/XX/XXXX, # XXXX on XX/XX/XXXX, and # XXXX on XX/XX/XXXX, respectively.
XXXX XXXX XXXX XXXX now claims that {$510.00} of the billed amount remains unpaid and has referred that amount for collection.
This is in error and I suspect fraud. No effort to clear this matter by talking directly with XXXX XXXX XXXX XXXX has bee effective.
|
| 03/19/2015 |
No |
|
- False statements or representation
- Attempted to collect wrong amount
|
|
Web |
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I received a court XXXX for a XXXX bill from XXXX years ago from a debt collection agency. I called immediately to ask what it 's from and they would n't give any information and said I can pay XXXX of it to settle it but that the legal process would n't stop. I asked how much half would be and they said XXXX, but the amount of suit on the summons is listed as XXXX. I hung up and called again and was given different information. I was told I could make a payment of {$400.00} and monthly installments and it would halt the legal process. I do n't know what this debt is for or how much I actually owe and I 'm getting different information from different people. When I said I was unemployed they just sat on the phone in silence.
|
| 04/10/2021 |
Yes |
- Debt collection
- Medical debt
|
- Written notification about debt
- Didn't receive notice of right to dispute
|
|
Web |
|
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I have a medical debt that was turned over to Professional Credit. I made payments arrangements with them, I was never informed that they would continue to charge interest. I have made these arrangements and have not paid late according to our arrangement, but they continue to report to the credit bureaus that Im late. I have upheld my agreement. When I complained that they arent upholding their side, they told me I have to call them. When you call, you are put on hold for hour ( s ) and then hung up on before you can even begin to tell them what is happening. Ive never received anything by mail like I asked. I have no issue paying the debt as agreed, I just want them to uphold their end as agreed. Thank you for your time.
|
| 01/28/2022 |
Yes |
- Debt collection
- Medical debt
|
- Written notification about debt
- Didn't receive enough information to verify debt
|
|
Web |
Servicemember |
|
On XXXX, I, XXXX XXXX, sent a debt validation letter to Professional Credit po box XXXX XXXX, Or XXXX On XXXX XXXX, they sent a response. It detailed medical procedures that I had. Or shall I say, states that I had. I have not ever given my medical provider authority to share my medical history with anyone.
I believe this collection agency along with medical provider have violated my personal rights. My deep concern is how many times have they given my medical information to debt buyers, collection agencies. Now I'm worried about that. My medical provider is selling my debts by the week. My medical provider is sending me all kinds of bills. Maybe I should file XXXX against them. However, see the attached documentation.
|
| 05/17/2017 |
Yes |
- Debt collection
- Medical debt
|
- Attempts to collect debt not owed
- Debt was paid
|
|
Web |
|
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PROFESSIONAL CREDIT SERVICES, ACCOUNT NUMBER XXXX HAS put this account as a collection account for emergency medical service s r eceived at XXXX XXXX XXXX , the original creditor.At the time of service I was covered by XXXX which I informed the provider.The government insurance plan covers all emergency services and I should never have been billed and never been subject to collection action which has damaged my credit standing by wrongfully placing and publishing this debt on XXXX XXXX and XXXX c redit bureaus.The service occurred in early 2015, possibly XX/XX/XXXX / XX/XX/XXXX .I have Previously communicated through the credit bureaus telling them to remove the item from my credit files.
|
| 08/21/2017 |
Yes |
- Debt collection
- Medical debt
|
- Written notification about debt
- Didn't receive notice of right to dispute
|
|
Web |
|
|
Back in XX/XX/XXXX I had a XXXX and was on XXXX and last I knew they paid for it. Then in XX/XX/XXXX of this year XX/XX/XXXX I got a letter of ganrnishment for the bill that I was under the impression that XXXX had covered but only covered part of the sugery. I never received an bill nor was contact about the debt. The garnishment letter says I owe XXXX dollars and I do n't think it 's fair for all this tacked on interest when no bill was received. I 've contacted them to try to arrange a payment plan for the original balance. But they said I have to pay the full amount with interest. I called the place where I had the XXXX and they do n't have any records of it any more. I 'm at a loss and unsure of what to do.
|
| 05/13/2016 |
Yes |
- Debt collection
- Credit card
|
- Communication tactics
- Used obscene/profane/abusive language
|
|
Web |
|
|
I contacted Professional Credit Services to assist me with settling a long standing debt with XXXX XXXX XXXX. I explained very clearly that I am the XXXX of a XXXX parent and that I was her sole breadwinner. I was told by one representative ( XXXX ) that I would be able to settle this debt and get it removed from my credit report. XXXX transferred me to a man named XXXX who not only told me that he refused to settle, but was very abusive and wanted me to send my mother 's medical records to him to prove to him that she was XXXX. I told him that I would n't do that and that because of how he was treating me considering that I initiated the call myself to try and get this debt settled, I disconnected the call.
|
| 05/13/2016 |
Yes |
- Debt collection
- Other (i.e. phone, health club, etc.)
|
- False statements or representation
- Indicated committed crime not paying
|
|
Web |
|
|
First an old roommate got a call on HIS cell phone asking for me. Then they gave him personal info about me, asking if he collected my mail. He said sometimes. They were screaming, threatening, and then hung up. Then a few weeks later, they came to his door and gave him a few papers with a bill for me ( XXXX XXXX XXXX ) on it, and small claims info, but with no date. Not in an envelope.I, XXXX, never got personally served, and have been recently homeless. I was living at the given address on this document prior to event. I can be reached at email and phone number on this form. Later, at that address, XXXX bills for different amounts came, but from a person Ray Klein, dba another collection agency.
|
| 02/22/2016 |
Yes |
- Debt collection
- Other (i.e. phone, health club, etc.)
|
- Cont'd attempts collect debt not owed
- Debt was paid
|
|
Web |
Older American |
|
I paid XXXX XXXX in full as they cancelled my account because we had a conversation and I found out someone fraudulent ly entered my account and tampered with my service. So the account was cancelled by them and I paid them only what I owed them {$21.00}. Professional Credit Service wanted another {$800.00} and I contacted them and disputed the entire account as I had paid XXXX XXXX in full. Then Professional Credit Service changed the amount to an additional {$80.00}. but I had already paid XXXX XXXX and the payment was accepted as the check was deposited. I disputed the collections on all XXXX credit bureau reports and they would not remove it. I do not owe them any monies!
|
| 01/10/2017 |
Yes |
|
- False statements or representation
- Indicated shouldn't respond to lawsuit
|
|
Web |
|
|
I have a public record reporting on my credit report that the debt was not paid. I have a release settlement letter dated for XX/XX/XXXX that was paid and settled. It continues to appear on my credit report as a Judgement. I called a month ago and XXXX XXXX had the letter of settlement on file and as of today it is still on my Public report. I have been turned down for XXXX because they have not removed it. the reference number is XXXX. I have another XXXX on my public record for the same thing XXXX agencies also a medical debt that was satisfied in XX/XX/XXXX still showing on public record for XXXX XXXX and needs to be removed. the reference number for that is XXXX
|
| 07/09/2020 |
No |
- Debt collection
- Medical debt
|
- Attempts to collect debt not owed
- Debt was paid
|
|
Web |
|
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I paid a bill for {$100.00} on XX/XX/2019 by credit card to XXXX XXXX XXXX for services rendered by XXXX XXXX XXXX. Account number XXXX. I owed no more on this service rendered.
Six months later i have begun to receive letters form a collection agency, Professional Credit Service, for the {$100.00}. I already paid that and called and let them know. Instead of listening to what I had to say, they only wanted to collect more personal information about me for their records, asking for my personal information such as DOB, telephone number, address, etc. I have paid this debt six months ago. They need to remove it from their records and mark it as paid.
|
| 08/21/2023 |
Yes |
- Debt collection
- Medical debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
Older American, Servicemember |
|
I received a letter from : Professional Credit Services : XXXX XXXX XXXX XXXX Oregon XXXX. Today : XXXX XXXX. Ph # XXXX. Account # XXXX. Addressed to me : XXXX XXXX XXXX XXXX XXXX XXXX Oregon XXXX. The bill was from XXXX XXXX XXXX XXXXXXXX, XXXX XXXX XXXX, XXXX Oregon XXXX. I called XXXX XXXX they had no record of me. XXXX XXXX medicine. I called Professional Credit no record of me. But they have on file a XXXX XXXX, billing date of : XXXX. A court date of collection XXXX. I want re-inbursment times 3, for faults billing plus liability against me and to be restraining order to never contact me in anyway, to exspung this bill from all records.
|
| 10/24/2016 |
Yes |
- Debt collection
- Other (i.e. phone, health club, etc.)
|
- Cont'd attempts collect debt not owed
- Debt is not mine
|
|
Web |
|
|
XXXX WRONGFULLY discharged a XXXX BALANCE SUBMISSION TO XXXX, was handed over to very UNPROFESSIONAL acting Debt collection service company called " Professional Credit Service '' of which whom made threatening harrassing phone calls, NEVER ONCE ADMITTING TO MAKING THREATING CALLS, BUT DID N'T EVEN BOTHER TO LOOK AT A XXXX BALANCE BILL!! INCREDULOUS! XXXX FINALLY MADE RIGHT THEIR WRONG, BUT PROFESSIONAL CREDIT SERVICES, STILL HARRASSING & VERY WRONG IN THEIR ACTIONS, OWES " ME A PAID IN FULL NEVER OWED CREDIT IN FAVORABLE STANDING LETTER AS PER XXXX LETTER STATES '' OR LEGAL ACTION PENDING WILL BE CARRIED OUT HENCEFORTH!
|
| 01/15/2016 |
Yes |
|
- Cont'd attempts collect debt not owed
- Debt is not mine
|
|
Web |
|
|
The insurance company is responsible for this charge, I was and presently am a Federal employee and medical /dental insurance is extended 31 days after separation from employment. I left my job the same month I visited this dental office, they are aware of the 31 day extension and refuse to bill the correct party for this charge, the dental insurance company. I 've regained my Federal employment status and hold the same insurance. They sent this account to collections in error. They need to bill the insurance company and remove the fraudulent charge off of all my credit reports, they have caused me a tremendous hardship.
|
| 11/12/2019 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
My sister XXXX XXXX XXXX of XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX, Texas died on or about XX/XX/2019. I am the XXXX XXXX of her estate.
She had had a telephone ( cell ) through XXXX XXXX. I had tried repeatedly by phone and in writing XXXX XX/XX/2019 XXXX to tell XXXX XXXX that she had died. I included a copy of her death certificate. I used the address of XXXX XXXX XXXX XXXX ; XXXX, XXXX XXXX XXXX XXXX XXXX response was to turn the matter over to a collection agency, Professional Credit Service of XXXX XXXX XXXX XXXX ; XXXX XXXX, XXXX XXXX. They are seeking {$150.00} from her date of death to XX/XX/2019.
|
| 04/27/2018 |
Yes |
- Debt collection
- Medical debt
|
- Attempts to collect debt not owed
- Debt was paid
|
|
Web |
|
|
I have worked with my medical provider, who sent this to collections in XX/XX/XXXX. I was not notified that the collections had been assigned or who was assigned until XX/XX/XXXX ; when I was billed including interest since XX/XX/XXXX. This is an unfair and fraudulent practice as there was no way for me to pay the debt from XX/XX/XXXXto XX/XX/XXXX when I finally received the notice in the mail.
I have paid this debt ( {$850.00} ) in full ( conf # XXXX ).
I continue to receive letters for the original debt plus interest. This is fraudulent and harassing behavior.
Letter from XXXX stating paid in full.
|
| 09/09/2015 |
Yes |
|
- Cont'd attempts collect debt not owed
- Debt was paid
|
|
Web |
|
|
I just recently found out that I have a judgement against myself ( From a credit report ) I went to the Court House and asked them. They told me, " Yes you do. '' and provided me with the paperwork stating how much the judgement was for ... And now .... The collection agency is demanding over a {$1000.00} in interest. I was never notified of any actions that were taken against me by the collection agency. Then when I called them today and asked them to provide me with the judgement paperwork, where it shows that they were awarded that interest, they refused to do so.Please help me to resolve this issue.
|
| 01/28/2024 |
Yes |
- Debt collection
- Medical debt
|
- Written notification about debt
- Didn't receive enough information to verify debt
|
|
Web |
|
|
This is related to my other 2 complaints ; I was XXXX during my visit to my parents in the XXXX last XX/XX/. The visit was sponsored by my sister who were living in the US and also in their house I stayed. My stay in the hospital accumulated a large amount of bill which I can't afford to pay. That's the reason why I ask for assistance to XXXX XXXX because I don't know how to pay it because I don't have a job. I only rely to my husband 's little amount of salary along with our XXXX kids. And we barely have some spares with that kind of amount. It's only enough for our day-to-day necessity expenditures.
|
| 10/10/2023 |
Yes |
- Debt collection
- Medical debt
|
- Took or threatened to take negative or legal action
- Sued you without properly notifying you of lawsuit
|
|
Web |
|
|
Professional Credit Service put a hold on my funds in my checking account. I have never received any type of communication from or phone calls to resolve this debt. I have contacted them on XX/XX/2023 and they are now requesting my bank statements from the last three months in order to partially refund the supposed debt that is owed. Tried to set up payment arrangements with them, but they are being difficult to work with, and will not listen to me. I dont feel I should have to send my personal bank statements to a creditor for wrongfully holding my money without the proper paperwork or communication.
|
| 07/09/2020 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Account status incorrect
|
|
Web |
|
|
XXXX XXXX XXXX XXXX XXXX XXXX
XXXX, IN XXXX XXXX XXXX Social Security : # XXXX Mailing Address : XXXX XXXX XXXX, IN XXXX XX/XX/2020 I XXXX XXXX have made Multiple Attempts in the past year or two ( 2 ) to Corret ( Wrong ) Postings on my Credit Bureaus.
1 ) Professional Credit Services : Posting a debt of {$200.00} owed them. on my XXXX Bureau. It had been Deleted from my XXXX Bureau.
2 ) XXXX XXXX : Acct. # XXXX Posting a Balance of {$770.00} owed. Previously in XX/XX/2020 XXXX Report Posted a {$0.00} Balance. According to FCRA, FDCPA Reinsertion of any alleged debt is illegal! But XXXX has.
|
| 08/21/2017 |
Yes |
- Debt collection
- Medical debt
|
- Took or threatened to take negative or legal action
- Sued you without properly notifying you of lawsuit
|
|
Web |
|
|
Professional Credit Services showed up at my doorstep with legal paperwork outlining a debt that we owed. We attempted to call them to pay the debt, and when we did they told us that we couldnt have documentation until we put a downpayment on the debt. They told us they " dont do that. '' They want me to give them money without anything saying that they would halt the legal process. In fact the person told me that they would not proceed with legal ave ues if we paid them the money. Again no documentation was going to be given. The amount also keeps changing. It was around 550 and now its XXXX?
|
| 05/28/2020 |
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
- Investigation took more than 30 days
|
|
Web |
|
|
On XX/XX/XXXX I contacted professional credit about an account that was reported to my credit from XXXX XXXX from an alleged debt from XXXX. Since I had no record or recollection of this place, I requested an itemized statement or some sort of detail ; anything that would show me what this was for. I called them on XX/XX/XXXX and again XX/XX/XXXX for update. On both occasions I was told that they did not have any updates and that I would still have to wait until they heard back from their client as no documentation or proof of debt was provided when the account was assigned to collections.
|
| 03/09/2021 |
Yes |
- Debt collection
- I do not know
|
- Communication tactics
- Frequent or repeated calls
|
|
Web |
|
|
I am receiving voicemail messages from a XXXX XXXX XXXX. I look this company up on the Web and there is no such company. But that is not the biggest problem the problem is the messages they are leaving are not leaving enough information one they are not asking who they are looking for two they are not saying who they are collecting on behalf of. According to the federal trade commission they have to comply with not only leaving s messages who they are collecting for and asking for the right person so I am under the impression that they got the wrong phone number and the wrong person.
|
| 03/09/2021 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt was paid
|
|
Web |
|
|
I continually receive debt collection notices from Professional Credit Services on behalf of the XXXX XXXX XXXX XXXX, for a supposed past due tax bill of {$590.00}. I have the credit card statement attached in .pdf form. clearly showing I paid the {$590.00} tax bill on XX/XX/2020, and paid an additional {$14.00} for making the payment using their phone system. I do not owe any money to the XXXX XXXXt XXXX XXXX or to Professional Credit Services. Repeated attempts to correct this have been ignored by both parties. Any assistance you can provide would be very much appreciated.
|
| 07/25/2018 |
Yes |
- Debt collection
- Medical debt
|
- Took or threatened to take negative or legal action
- Sued you without properly notifying you of lawsuit
|
|
Web |
|
|
The original debt was a medical deb I was insured by my father and was 18-19 years old and my father was paying my bills.The original amount was {$830.00} in XXXX. XXXX was called many times and they said they would pay the bill but never did.
Ray Klein Inc. dba XXXX XXXX XXXX held the debt to accumulate interest, then got a judgment in XXXX. I was never notified of any action taken against me for this bill. In addition, I was under age so this claim could not be filed against me.
These debt companies are not only engaging in illegal activities and unethical conduct.
|
| 08/02/2019 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
Initially I was informed by XXXX that a debt was discharged on behalf of XXXX XXXX ' which I have no affiliation with. This dropped my credit score from XXXX to XXXX, just as I was preparing to purchase a new car, causing financial harm via increased credit rates.
Now I understand it is from a company by the name of 'Professional Credit Service XXXX -- this is outright fraud.
It appears they are attempting to collect on a debt in violation of Know Your Customer laws ; I did not consent to any account with either Consumer Cellular nor Professional Credit Service.
|
| 04/15/2023 |
Yes |
- Debt collection
- Medical debt
|
- False statements or representation
- Attempted to collect wrong amount
|
|
Web |
|
|
I contact professional credit services ( XXXX XXXX ) in XXXX of 2023 the about is for {$12000.00} please remove this from my XXXX XXXX and XXXX its a medical bill this account is illegally and reported on my credit reports this collection is violating my privacy and also XXXX I would like for this account to be removed from my credit report please they also dont have the right to have this collection and the wrong dates or on there please remove this in with in 30 days.
I also have other one of medical bill from puget sound collection ( XXXX XXXX ) for {$1200.00}
|
| 07/14/2019 |
Yes |
- Debt collection
- Other debt
|
- Written notification about debt
- Didn't receive enough information to verify debt
|
|
Web |
Servicemember |
|
I have an amount of {$540.00} owed to a credit union bank, which was my job bank card for direct deposits, the total amount was around {$350.00} that was owed to the bank that I was unaware of. It was sent to collections, XXXX I agreed to make {$50.00} installments monthly to Professional credit services, with the promise of agreed to pay, and deleting the collections off my credit report, my credit has been updgraded 5 months after, and I have called seeing a balance of {$300.00} left on there and it still shows my amount is {$540.00} and not paid.
|
| 08/17/2019 |
Yes |
- Debt collection
- Other debt
|
- False statements or representation
- Attempted to collect wrong amount
|
|
Web |
Older American, Servicemember |
|
This complaint concerns XXXX XXXX. I paid them even when I did not believe I owed them any money. I even received an e-mail saying my account was paid. When I called them about the collection. They told me it was a $XXXX late fee the computer generated. They did not bill me until the fee had increased. Each time I called them they said they would take care of it. That was false as is this collection.They manage their billing system very carelessly. This has been removed from XXXX XXXX and XXXX. I need it removed from XXXX. Sincerely,XXXX XXXX XXXX
|
| 08/21/2018 |
Yes |
- Debt collection
- Medical debt
|
- Attempts to collect debt not owed
- Debt was paid
|
|
Web |
|
|
I received a letter of collection from XXXX XXXX regarding a doctor billing from XX/XX/XXXX from XXXX XXXX XXXX in Washington State. This bill was never billed to my insurance and I had a conversation with this collection agency on XX/XX/XXXX regarding this amount and it was never billed to insurance. They indicated they would send it back to XXXX and not to worry about it. I received another notice with the same bill and now they are adding interest. I DO NOT OWE THIS BILL - IT IS XXXX XXXX XXXX ISSUE THAT THEY DID NOT SUBMITT THIS TO INSURANCE
|
| 12/16/2015 |
Yes |
|
- Cont'd attempts collect debt not owed
- Debt was paid
|
|
Web |
|
|
I recently received a letter from Professional Credit Service in regards to account # XXXX, which was paid in XXXX/XXXX/XXXX ( see copy of Check # XXXX attached and other billing invoices related ), the dollar amount referenced in the letter from PCS dated of XXXX/XXXX/XXXX which is a lot less than the {$150.00} paid then in XXXX/XXXX/XXXX. The account # XXXX was paid fully to XXXX XXXX care so I do not understand that almost 6 years later I am getting this type of letter. In this case It looks like fraudulent double dipping or incompetence.
|
| 10/15/2018 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Information belongs to someone else
|
|
Web |
|
|
XXXX XXXX XXXX, account number XXXX, a collector for XXXX XXXX XXXX is trying to collect a debt I do not owe and is wrongfully appearing on my XXXX credit file.
At the time of service I had XXXX, XXXX XXXX XXXX XXXX, A GOVERNMENT INSURANCE that I have had most of my adult life and that was in full force and effect.
The treatment was for XXXX XXXX XXXX XXXX that was completely covered by insurance.The insurance person at the hospital came to me after doing the paperwork and said regarding the insurance '' ok, everything is fine. ''
|
| 01/03/2018 |
Yes |
- Debt collection
- Medical debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
XXXX XXXX XXXX XXXX XXXX was the name of the original creditor. I paid the copay and insurance covered the remainder of the payment. There is no due balance yet a credit collection agency named XXXX XXXX XXXX is attempting to collect a total balance of {$590.00} as of XXXX 2017. XXXX XXXX has no records of a balance of {$590.00} passed due for me.I have contacted XXXX XXXX XXXX and the company only removed the collection from my XXXX report. I would like this removed from my XXXX and full credit report as well.
|
| 05/31/2019 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Account status incorrect
|
|
Web |
|
|
1st collection reported to all 3 bureau until after 5 yrs I wanted to repair my credit. Submitted disputed and complaints and got deleted off 3 reports. Until not to long ago the account was handled to a different collection who age the date.
2nd collection keep reporting false info for a disputed account which was deleted also Was heading in the right direction on credit building, even used a credit building company to get my score to a approval area then old accounts start charging off with the remarks
|
| 06/12/2023 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt was paid
|
|
Web |
|
|
Phone bill with XXXX XXXX in XX/XX/22.
For month long trip to XXXX XXXX during which mobile phone service did not workcould not make calls nor sent text msgs.
I was billed approximately {$560.00} for this month and disputed charges. I was willing to pay {$150.00} of the bill and I did so. My credit card company also looked into the matter and agreed with paying only {$150.00}.
Now I am receiving notices from a debt collector Professional Credit Services saying {$490.00} is owed. I will not pay this!!
|
| 11/06/2020 |
Yes |
- Debt collection
- I do not know
|
- Attempts to collect debt not owed
- Debt was paid
|
|
Web |
|
|
PROFESSIONAL CREDIT SE has put a collection on my account on my XXXX credit report. I do not know who this company is. I have never done business with them. They are causing me ongoing damage by falsely claiming I owe them a debt. They say I have a past due amount of {$640.00} past due. I do not have a contract with them on anything and they claim the original creditor is XXXX XXXX XXXX XXXX. I have paid my balance to XXXX XXXX XXXX XXXX. The account # is blocked, I can only see XXXX. This is fraud.
|
| 04/16/2015 |
Yes |
|
- Disclosure verification of debt
- Right to dispute notice not received
|
|
Web |
|
|
Agency refuses to update my account to the credit bureaus and supply the information that my debt has been reduced after consistent monthly payments. Under Sect. 623 of the Fair Credit Reporting Act, they have the duty to report supplementary information to the credit bureaus. When I have called them about it, they are insulting, abusive. I waited on hold for 45 minutes while they supposedly researched the statute but I finally had to hang up, so I could n't hear what conclusion they reached.
|
| 09/01/2017 |
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 an order of garnishment from the court. The creditor listed is Ray Klein Inc, an Oregon Corporation DBA XXXX XXXX XXXX. The Original debt amount is listed as {$830.00}. Fees were added in the amount of {$1000.00}. The document states that a judgment was entered against me dated XX/XX/XXXX, 2010. I was not notified that I had this debt EVER, the original creditor was not listed, and I had no idea a judgment was entered. I can not even imagine what this debt could be.
|
| 03/07/2023 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
Sent by professional credit services on behalf of XXXX XXXX.
Professional Credit Service acct # XXXX pin # XXXX XXXX XXXX acct # XXXX Amount owed {$93.00} This account is owned by XXXX XXXX. XXXX XXXX died on XX/XX/2022. Attempted to contact debt collector but they continuously hang up on us. They have XXXX XXXX ( misspelled ) should be XXXX who was a minor when this account was created. They continue to send these bills although they have been informed about XXXX 's passing.
|
| 08/13/2018 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Account status incorrect
|
|
Web |
Servicemember |
|
this company continues to list an amount not due constituting fraud furthermore the original debt was paid over a year ago to the original debtor XXXX XXXX XXXX and XXXX is not entitled to a collection fee since they did not collect the debt, this has already been removed from XXXX and XXXX at least once or twice but has continued to reappear furthermore the dates are also incorrect considering i opened this account in XXXX of 2013 and was closed as of one year ago last XXXX
|
| 05/19/2023 |
Yes |
- Debt collection
- Medical debt
|
- Written notification about debt
- Didn't receive enough information to verify debt
|
|
Web |
|
|
I had a {$500.00} doctor bill from XX/XX/XXXX and in XX/XX/XXXX Profesional credit service in XXXX Oregon garnished my bank account {$1200.00}. I have called the collection agency three times since asking for a breakdown of what the {$1200.00} was for. I was told to go to their website and look it up there. The website doesn't show that information. When I called back the man at PCS told me since my balance owed is now XXXX he can't send me any information of what I paid.
|
| 02/07/2018 |
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 |
|
|
A debt collection company claims I owe them in excess of {$10000.00} dollars. Through disputes I have had over {$9000.00} removed as zombie debt by both XXXX and XXXX In response to this, the debt collection company has filed suit against my former employer for wage garnishment. I believe suing a company for whom I no longer work, for debt that no longer exists, constitutes harassment. I intend to file a complaint with the Washington State Attorney General as well.
|
| 04/20/2020 |
Yes |
- Debt collection
- Medical debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
Got a bill from a medical office I have never been to. I then got a notice from professional credit service XX/XX/19 and told them I've never been to XXXX hospital but they should figure out the bill description in case my hospital XXXX or my family practice doctor ordered something from them. I heard nothing for awhile then heard again from them and told them the same thing and now I haven't heard anything so I figured they were wrong for charging me.
|
| 10/17/2023 |
Yes |
- Debt collection
- Medical debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
Servicemember |
|
This is a debt created by a XXXX XXXX that the XXXX center failed to get prior authorization from the Department of Veteran Affairs office. I was able to obtain the pre authorization for the surgical center to bill against but they had sent the debt to collections. They are not supposed to bill a Veteran who receives medical care from the Veteran Affairs office from an approved medical center. This is not my debt, this debt belongs to the VA.
|
| 07/11/2023 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Information belongs to someone else
|
|
Web |
|
|
XXXX XXXX XXXX XXXX closed account that does not pertain to me. Identity theft. Been calling for 2 years straight with no resolution.
XXXX XXXXXXXX XXXX XXXX - XXXX closed account that does not pertain to me. Identity theft. Have called multiple times since XX/XX/2023 with no resolution.
XXXXXXXX XXXX XXXX XXXXXXXX open account that does not pertain to me. Identity theft. Called XX/XX/2023 and explain I will report as fraud. No resolution.
|
| 05/24/2019 |
Yes |
- Debt collection
- Medical debt
|
- Written notification about debt
- Didn't receive enough information to verify debt
|
|
Web |
|
|
This is a medical debt. The hospital is balance billing me. I have asked for proof of dept. The collection agency is refusing to provide a valid proof of debt. They will only provide me with a copy of the bill from the hospital. My explanation of benefits clearly shows that I don't owe this amount. The debt collection agency is refusing to attempt to get anything other than a bill and has said " it's all the client provides. I have to pay. ''
|
| 05/14/2018 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt was paid
|
|
Web |
|
|
I paid a debt to XXXX XXXX XXXX in XXXX of 2017. 6 months later in XXXX they reopened the previously close and paid in full debt and now it's at {$100.00}. I do not owe this and it is affecting my credit rating. I am making this complaint and will hope they take it off my credit report. This still impacts my credit rating and my overall financial health. I was supposed to be building my credit rating to buy a house. Now I've been sabotaged!
|
| 09/26/2015 |
Yes |
|
- Disclosure verification of debt
- Right to dispute notice not received
|
|
Web |
Servicemember |
|
XXXX XXXX XXXX XXXX in XXXX, XXXX - XXXX XXXX XXXX # XXXX XXXX, XXXX XXXX performed services that were stated as covered under XXXX insurance only to receive bill of {$440.00} afterwards. Contacted attorney who wrote to this company asking for verification of charges be faxed to attorney 's office which was never done. One year later debt is now turned over to Professional Credit Service at XXXX. XXXX XXXX XXXX XXXX XXXX for collections.
|
| 07/25/2017 |
Yes |
- Debt collection
- Medical debt
|
- False statements or representation
- Attempted to collect wrong amount
|
|
Web |
|
|
I got a notice on Friday stating I owed money for medical bills. It went from XXXX to over 1200. What was a simple blood test, turned into a huge loss. I called Monday morning to make a payment. I paid XXXX to them. Tuesday morning I woke up to see my bank account drained. I called my bank who stated it was the collection agency. I only authorized the XXXX to be paid. They took everything I had without any legal authority.
|
| 12/21/2017 |
Yes |
- Debt collection
- Medical debt
|
- Attempts to collect debt not owed
- Debt was paid
|
|
Web |
Servicemember |
|
I had an emergency situation and incurred a medical debt to a hospital in Oregon. I made payements directly to them for months and paid the debt off XXXX/XXXX/XXXX. At some point a debt collection company came into the picture months after my agreement with the hospital. Now that everything is paid off The debt collectors are holding my credit report hostage for {$35.00} of interest they say I owe them, not the hospital.
|
| 07/02/2017 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Account information incorrect
|
|
Web |
|
|
there is an account on my credit i do not have any info about and they say i paid 49 percent of the debt by i never paid ever. it keeps refreshing changing hands of collection agencies and the dates and balances are all wrong and they keep going up how by law they can not keep incurring intrest after placed in collections. the company is Prof Credt and the original creditor is XXXX XXXX XXXX XXXX Opened XXXX XXXX, 2014 -
|
| 04/21/2018 |
Yes |
- Debt collection
- Medical debt
|
- Took or threatened to take negative or legal action
- Threatened or suggested your credit would be damaged
|
|
Web |
|
|
The company called me at work asking for resolution. Obviously I am not in a position to do so or I would not be in collections. I explained my circumstances and today see they had attached additional fees. I cant help anyone in my debt situation unless they are willing to work with me. My husband passed unexpectedly and I am inundated, Im doing my best, would they rather I filed bankruptcy and no one gets anything?
|
| 06/02/2019 |
Yes |
- Debt collection
- Medical debt
|
- Attempts to collect debt not owed
- Debt was paid
|
|
Web |
|
|
I paid XXXX in XX/XX/2018 {$240.00}. XXXX accepted payment, then I received a collection notice from Professional Credit and promptly advised them this was already paid. Now I am in contract on a home, and being denied a home loan due to this collection. I have made several requests to Professional Credit to show this as paid and remove the item from my credit with no action on their part to resolve this.
|
| 04/06/2018 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt was paid
|
|
Web |
Older American |
|
I CALLED AND TRIED TO PAY THIS DEBT AND COULD NOT GET THME TO TO TAKE MY PAYMENT OR TO TALK TO ME ABOUT ADJUSTING THE COMPANY JUST KEPT CHARGING ME LATE FEES AFTER BEING UNABLE TO GET THEM TO AKE MY MONEY SO I DONT REALLY OWE ALL THIS MONEY BESIDES I KEEP HAVING TO CHASE THE CREDIT COLLECTIONS EFFORTS I THINK THIS IS THE SECOND THIRD FOURTH COLLECTION AGENCY TRIING TO COLLECT ITS A FRAUDULENT SCHEMA
|
| 10/16/2020 |
Yes |
- Debt collection
- Medical debt
|
- Attempts to collect debt not owed
- Debt was paid
|
|
Web |
Servicemember |
|
On XX/XX/XXXX I contacted a debt collector because a debt from a hospital I visited in XXXX is on my credit report and my state insurance should have paid it. They refuse to contact the XXXX XXXX Oregon XXXX XXXX and get payment from them. This is not my fault. I gave the hospital my insurance info and I have the debt collector my insurance info. I want this collections of my report if possible?
|
| 11/26/2016 |
Yes |
|
- Cont'd attempts collect debt not owed
- Debt is not mine
|
|
Web |
|
|
I 've recently received a letter threatening legal action for medical collection accounts that belong to my husband. They have recently been reported on my credit report. There are XXXX accounts, XXXX of them do not belong to me. I am not responsible for his debts and I do n't think it is right for this company to bundle all our accounts into one and go after both of us for each others debts.
|
| 03/09/2018 |
Yes |
- Debt collection
- Medical debt
|
- Written notification about debt
- Didn't receive enough information to verify debt
|
|
Web |
|
|
I had a debt with a medical office XXXX XXXX XXXX. It was picked up by " XXXX XXXX '' company. They have never contacted me to discuss about this debt. Now they have put a 2nd mark on my credit saying my old debt is a new debt. So now there is two derogatory marks for the same debt. I don't see that fair and especially since I have had no contact with anyone from this agency.
|
| 03/10/2020 |
Yes |
- Debt collection
- Medical debt
|
- Written notification about debt
- Didn't receive enough information to verify debt
|
|
Web |
|
|
Professional Credit Services informed me by letter that they were attempting to collect a debt. This letter was dated XX/XX/XXXX. I replied by Certified Letter with Return Receipt on XX/XX/XXXX requesting information to determine that the debt is valid. The letter was delivered on XX/XX/XXXX and signed for by " XXXX XXXX ''. I have received no response to this letter.
|
| 07/10/2023 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt was paid
|
|
Web |
|
|
PROFESSIONAL CREDIT SERVICES SEND ME A COLLECTION LETTER FOR XXXX. THEY ARE VIOLATING THE FDCPA BY ATTEMPTING TO COLLECT A DEBT CHARGING ME TWO INTEREST RATES. {$.00} CENTS AND {$16.00}. AND THEY HAVE FAILED TO REGISTER AS A THIRD PARTY DEBT COLLECTOR WITH THE TEXAS SECRETARY OF STATE. LIKE I TOLD THEM, I DON'T OWE ANY MONEY FOR A PRE-PAID PHONE SERVICE. COME ON MAN.
|
| 03/03/2021 |
Yes |
- Debt collection
- I do not know
|
- Communication tactics
- Frequent or repeated calls
|
|
Web |
|
|
I have never received a written notice of any debts being collected, have checked my credit reports and have none, but am getting repeated calls - 2-3x a day from this number saying they are from Professional Credit Service with an important message from a debt collector. They have provided no information, no information on their company and no written documentation.
|
| 06/28/2019 |
Yes |
- Debt collection
- I do not know
|
- Communication tactics
- You told them to stop contacting you, but they keep trying
|
|
Web |
|
|
Professional Credit Service continues to call claiming a debt is owed but will not provide proof of debt after repeated requests from me. All they say is that they've sent a letter to my address, but I have not received anything from the company, nor have I ever received any validation of the debt. I have asked numerous times for them to stop calling.
|
| 07/17/2019 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt was already discharged in bankruptcy and is no longer owed
|
|
Web |
|
|
The only utility company in XXXX, OR will not give me service because of an almost XXXX year debt that has since been sent to collections and closed by the agency. They say they will continue to refuse me service until I'm in good standing with the debt collectors. Professional Credit Services. I'm very low on cash and don't know what I should do.
|
| 07/16/2023 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Problem with a credit reporting company's investigation into an existing problem
- Their investigation did not fix an error on your report
|
|
Web |
|
|
Professional credit services was suppose to delete their account on my credit file with XXXX and XXXX from my recent complaint back in XX/XX/2023 but they only deleted it from XXXX and not yet from XXXX since XX/XX/2023 and it is still reporting on XXXX please delete the account that you promised to from complaint id with the cfpb : XXXX XXXX
|
| 02/27/2017 |
Yes |
- Debt collection
- Other (i.e. phone, health club, etc.)
|
- False statements or representation
- Attempted to collect wrong amount
|
|
Web |
|
|
this collection sat dormant for a few years so i decided to make a reasonable offer to settle case..my offer was rejected and they countered offered me a ridiculous term which i declined. Then i noticed they started changing the amount they say i owed every month to effect my score falsely. I believe this is illegal and is retaliatory..!!
|
| 10/18/2017 |
Yes |
- Debt collection
- Medical debt
|
- Attempts to collect debt not owed
- Debt was paid
|
|
Web |
|
|
professional credit service accounts XXXX and XXXX are wrongfully appearing on my XXXX XXXX XXXX credit XXXX ... .was insured by XXXX at time of XXXX ... was covered under my mother XXXX XXXX at XXXX XXXX service.XXXX XXXX. is the original creditor.
both debts are wrongful and harming my credit rating.XXXX has removed both accounts
|
| 06/09/2017 |
Yes |
- Debt collection
- Medical debt
|
- Attempts to collect debt not owed
- Debt was paid
|
|
Web |
|
|
Professional Credit account XXXX verified today on XXXX credit bureau a debt that was paid at time of service at XXXX XXXX XXXX . At the time of emergency medical service I informed the hospital and presented info. that I was covered by XXXX CALIFORNIA.This debt also shows on XXXX and XXXX as account XXXX
|
| 12/12/2021 |
Yes |
- Debt collection
- Medical debt
|
- Attempts to collect debt not owed
- Debt was paid
|
|
Web |
|
|
XXXX XXXX XXXX XXXX, part of XXXX XXXX, has referred to Professional Credit Services, XXXX invoices totaling {$130.00} as unpaid. I haver communicated with XXXX XXXX XXXX XXXX to no avail. These amounts are fully paid and I have provided the dates, amounts and check numbers as to when they were paid.
I suspect fraud.
|
| 10/22/2015 |
Yes |
|
- Incorrect information on credit report
- Account terms
|
|
Web |
|
|
I paid off the Ray Klein on my credit report. I have contacted them many times asking for physical proof of satisfaction as well it to be reported as paid on my credit report. It has been months and they are saying they will do whatever i ask but refuse to give a timeline. it has been almost two months with no action.
|
| 12/03/2019 |
Yes |
- Debt collection
- Medical debt
|
- Written notification about debt
- Didn't receive enough information to verify debt
|
|
Web |
|
|
I received a notice from Professional credit services that a medical bill has been sent to them. I do not even know what is happening as XXXX was taking automatic payments out of my debit card.
Has this been reported to the credit bureau? If so please give me proof of this debt- I am dis tubing this debt.
|
| 12/11/2019 |
Yes |
- Debt collection
- Other debt
|
- False statements or representation
- Attempted to collect wrong amount
|
|
Web |
Older American |
|
Collection Agency ... PROFESSIONAL CREDIT SERVICE
Original Creditor Name ...XXXX XXXX
Date Assigned ...XX/XX/2018
Original Amount Owed ...$XXXX
Received a SIM card which did not work for internet access. So I canceled the service. Once cancelled, I was charge $XXXX for a service that did not ever work..
|
| 06/17/2019 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt was paid
|
|
Web |
Older American, Servicemember |
|
I gave XXXX XXXX County Fire my medical insurance information for an ambulance transport to the hospital in 2018. Everything was settled thru my insurance company XXXX XXXX. I am now receiving harassing letters from Professional Credit Service demanding that I pay them {$200.00}. I do not owe this money.
|
| 08/30/2016 |
Yes |
- Debt collection
- Other (i.e. phone, health club, etc.)
|
- Cont'd attempts collect debt not owed
- Debt is not mine
|
|
Web |
|
|
Collection was reported to my credit report for an account belonging to my deceased mother who resided with me ; I never signed on the account. Reported by : Professional Credit Service # XXXX XXXX XXXX, OR XXXX Ph. XXXX XXXX XXXX Debt appears to be from XXXX XXXX phone service
|
| 08/09/2017 |
Yes |
- Debt collection
- Other debt
|
- False statements or representation
- Attempted to collect wrong amount
|
|
Web |
|
|
Filed a complaint with XXXX consumer affairs. According to Consumer Affairs Professional Credit Services, they are not license in the state of New York. They continue to add $ 1-2 dollars to the balance every month. This collection was also included in my discharge bankruptcy.
|
| 06/12/2020 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Account information incorrect
|
|
Web |
|
|
Prof Credit XXXX : This debt is currently being reported in a violation of the Bankruptcy Law. This debt is currently updating each month on my credit report and affecting me negatively. This was included in my Bankruptcy and is no longer valid to report on my credit file.
|
| 08/07/2021 |
Yes |
- Debt collection
- I do not know
|
- Took or threatened to take negative or legal action
- Threatened to sue you for very old debt
|
|
Web |
Older American |
|
We continue to get telephone calls to our home number from PROFESSIONAL CREDIT SERVICE at XXXX. We have perfect credit and do not owe anyone, We hang up as this is so annoying! We are elderly and someone is trying to take advantage of us and our age and financial status.
|
| 02/12/2022 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt was paid
|
|
Web |
Older American |
|
I received written letter from organization calling itself Professional Credit Service attempting to collect amounts previously paid relating to medical services.
Account numbers were phony and letter did not come from the medical provider they purported to represent.
|
| 01/17/2023 |
Yes |
- Debt collection
- Other debt
|
- Written notification about debt
- Didn't receive notice of right to dispute
|
|
Web |
|
|
Dates : XX/XX/2022 Amounts : {$93.00} ( now ) Actions Taken : I emailed and texted them telling them it wasn't my debt and that I had never received phones or service from XXXX XXXXXXXX but they continued to bill me and it kept adding up to the point of what it is now.
|
| 10/22/2015 |
Yes |
- Debt collection
- I do not know
|
- Cont'd attempts collect debt not owed
- Debt is not mine
|
|
Web |
|
|
XXXX XXXX collection agency on XX/XX/XXXX, they garnished my accounts and then they tried again and again but the Bank, charging me those ilegall attemp to my accounts and they knew I did not have money on those accounts.So that 's Debt is not mine is from XXXX XXXX
|
| 01/02/2020 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
This is not my debt. I have never done business with this company yet they continue to harass me and threaten to keep calling no matter what I tell them. I asked them to send me proof that I signed up for their service and they said they don't have to do that.
|
| 07/29/2019 |
Yes |
- Debt collection
- Medical debt
|
- Written notification about debt
- Didn't receive enough information to verify debt
|
|
Web |
|
|
I am still misunderstanding.
I do not understand the reason ( s ) my medical insurance was not billed, instead of me.
And if I had none then I should of not been seen by a doctor ; unless proper billing was covered and issued as my possibility to be seen.
|
| 08/21/2019 |
Yes |
- Debt collection
- Medical debt
|
- Written notification about debt
- Didn't receive enough information to verify debt
|
|
Web |
|
|
I have been paying a debt over the phone. They told me multiple times after one of the balances was paid I would be able to pay online. Now they are saying that is incorrect. I have Never received anything with account balances, original debtors, or dates.
|
| 05/22/2015 |
Yes |
|
- Incorrect information on credit report
- Information is not mine
|
|
Web |
|
|
professional credit Services placed an account on my credit that does not belong to me and it is damaging my credit. I have tried contacting them to provide proof this account belongs to me and they have not or responded to me for that matter.
|
| 02/19/2017 |
Yes |
- Debt collection
- I do not know
|
- Cont'd attempts collect debt not owed
- Debt is not mine
|
|
Web |
|
|
I would like for the company to produce the contract that bears my wet ink signature. If they are unable to provide such documentation I would like for them to remove this item from my credit report as it is causing me great financial harm
|
| 02/19/2017 |
Yes |
- Debt collection
- I do not know
|
- Cont'd attempts collect debt not owed
- Debt is not mine
|
|
Web |
|
|
I recently pulled my credit report and discovered that this company has reported that I owe them a debt. To my knowledge I have never done business with this company and they have never provided me any goods and or services.
|
| 02/01/2017 |
Yes |
|
- Disclosure verification of debt
- Not given enough info to verify debt
|
|
Web |
|
|
A collection agency is reporting on my credit. I attempted to contact them via physical mail regarding this issue without response. I would like to verify this debt is legitimate & if so, agree on a settlement
|
| 01/02/2018 |
Yes |
- Debt collection
- Other debt
|
- Took or threatened to take negative or legal action
- Threatened or suggested your credit would be damaged
|
|
Web |
|
|
This old account is my ex husband 's account, not mine. AND it has been paid. The person who took the payment from him said they would remove from all reports. Neve happened. No matter, not my account.
|
| 05/10/2023 |
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 |
|
|
I am not liable for this debt with XXXX XXXX XXXX XXXX and do not have a contract with Professional Credit Services. They did not provide me with the original application like i asked.
|
| 09/05/2018 |
Yes |
- Debt collection
- Medical debt
|
- Attempts to collect debt not owed
- Debt was result of identity theft
|
|
Web |
|
|
I have been a victim of identity theft and I have accounts in collections that are bringing down my credit and not allowing me to qualify for credit cards or home/auto loans.
|
| 05/13/2015 |
Yes |
- Debt collection
- Other (i.e. phone, health club, etc.)
|
- Disclosure verification of debt
- Right to dispute notice not received
|
|
Web |
Servicemember |
|
I sent a written a communication to this collection agency. The letter was returned through postage stating address unable to find. No ability to dispute claim given.
|
| 09/24/2022 |
Yes |
- Debt collection
- Medical debt
|
- Written notification about debt
- Notification didn't disclose it was an attempt to collect a debt
|
|
Web |
|
|
My debt collection says I owe {$540.00} as the date of XXXX XXXX but I had XXXX XXXX insurance during that year and I tried to pay XXXX off with my health insurance.
|
| 03/28/2018 |
Yes |
- Debt collection
- Medical debt
|
- Attempts to collect debt not owed
- Debt was paid
|
|
Web |
Servicemember |
|
This is in reference to previous case XXXX. Company deleted erroneous negative debt and then added a dollar to amount an reposted it to XXXX.
|
| 04/15/2023 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
XXXX XXXX {$1100.00} open XX/XX/XXXX just appeared on my credit report XX/XX/XXXX. This account is not Mine I haven't had service with them.
|
| 06/13/2019 |
Yes |
- Debt collection
- Medical debt
|
- Written notification about debt
- Didn't receive notice of right to dispute
|
|
Web |
|
|
I contacted the debt collection agency and was unable to receive any information about the debt that was owed.
|
| 10/09/2023 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt was result of identity theft
|
|
Web |
|
|
XXXX XXXX XXXX and Professional Credit Service is saying I owe {$1200.00} on XX/XX/2023 XXXX
|
| 08/02/2017 |
Yes |
- Debt collection
- Medical debt
|
- Written notification about debt
- Notification didn't disclose it was an attempt to collect a debt
|
|
Web |
|
|
On XX/XX/XXXX Look at Credit report and Professional Credit did not no I had and account
|
| 07/17/2017 |
Yes |
- Debt collection
- Medical debt
|
- False statements or representation
- Attempted to collect wrong amount
|
|
Web |
Servicemember |
|
I have sent them a paid form the insurance company and they continue to charge me.
XXXX
|
| 02/17/2017 |
Yes |
- Debt collection
- I do not know
|
- Disclosure verification of debt
- Not disclosed as an attempt to collect
|
|
Web |
|
|
Garnished for {$2200.00} but no record of any account with that amount due.
|
| 10/16/2016 |
Yes |
|
- Cont'd attempts collect debt not owed
- Debt is not mine
|
|
Web |
|
|
The debt that on the report is not mine. They report the wrong person.
|
| 07/28/2023 |
Yes |
- Debt collection
- Medical debt
|
- Attempts to collect debt not owed
- Debt was paid
|
|
Web |
|
|
Account was paid making monthly payments.
|
| 01/26/2024 |
Yes |
- Debt collection
- Medical debt
|
- Attempts to collect debt not owed
- Debt was paid
|
|
Web |
Servicemember |
|
|
| 01/17/2024 |
Yes |
- Debt collection
- Other debt
|
- Took or threatened to take negative or legal action
- Threatened to sue you for very old debt
|
|
Phone |
Servicemember |
|
|
| 12/21/2023 |
Yes |
- Debt collection
- Medical debt
|
- False statements or representation
- Attempted to collect wrong amount
|
|
Web |
|
|
|
| 11/29/2023 |
Yes |
- Debt collection
- Medical debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
|
| 11/20/2023 |
Yes |
- Debt collection
- I do not know
|
- Written notification about debt
- Didn't receive notice of right to dispute
|
|
Web |
|
|
|
| 10/28/2023 |
Yes |
- Debt collection
- Other debt
|
- Took or threatened to take negative or legal action
- Threatened or suggested your credit would be damaged
|
|
Web |
|
|
|
| 10/17/2023 |
Yes |
- Debt collection
- Medical debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
Servicemember |
|
|
| 10/10/2023 |
Yes |
- Debt collection
- I do not know
|
- Written notification about debt
- Didn't receive enough information to verify debt
|
|
Web |
Servicemember |
|
|
| 10/05/2023 |
Yes |
- Debt collection
- I do not know
|
- Took or threatened to take negative or legal action
- Seized or attempted to seize your property
|
|
Web |
|
|
|
| 09/29/2023 |
Yes |
- Debt collection
- Medical debt
|
- False statements or representation
- Attempted to collect wrong amount
|
|
Web |
Older American |
|
|
| 09/19/2023 |
Yes |
- Debt collection
- I do not know
|
- Attempts to collect debt not owed
- Debt was paid
|
|
Web |
|
|
|
| 08/21/2023 |
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 |
Servicemember |
|
|
| 08/07/2023 |
Yes |
- Debt collection
- Other debt
|
- Written notification about debt
- Didn't receive enough information to verify debt
|
|
Phone |
Older American |
|
|
| 08/03/2023 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Information belongs to someone else
|
|
Web |
|
|
|
| 06/21/2023 |
Yes |
- Debt collection
- Medical debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
|
| 05/28/2023 |
Yes |
- Debt collection
- Medical debt
|
- Attempts to collect debt not owed
- Debt was paid
|
|
Web |
|
|
|
| 05/26/2023 |
Yes |
- Debt collection
- Medical debt
|
- Communication tactics
- Used obscene, profane, or other abusive language
|
|
Web |
|
|
|
| 05/05/2023 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt was result of identity theft
|
|
Web |
|
|
|
| 04/13/2023 |
Yes |
- Debt collection
- I do not know
|
- Attempts to collect debt not owed
- Debt was paid
|
|
Web |
|
|
|
| 04/04/2023 |
Yes |
- Debt collection
- Other debt
|
- Written notification about debt
- Didn't receive notice of right to dispute
|
|
Web |
|
|
|
| 04/02/2023 |
Yes |
- Debt collection
- Medical debt
|
- Attempts to collect debt not owed
- Debt was paid
|
|
Web |
|
|
|
| 03/30/2023 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt was result of identity theft
|
|
Web |
|
|
|
| 03/13/2023 |
Yes |
- Debt collection
- Medical debt
|
- False statements or representation
- Attempted to collect wrong amount
|
|
Web |
|
|
|
| 03/02/2023 |
Yes |
- Debt collection
- Medical debt
|
- False statements or representation
- Attempted to collect wrong amount
|
|
Web |
|
|
|
| 03/02/2023 |
Yes |
- Debt collection
- Medical debt
|
- Attempts to collect debt not owed
- Debt was paid
|
|
Web |
|
|
|
| 02/16/2023 |
Yes |
- Debt collection
- Medical debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
|
| 01/21/2023 |
Yes |
- Debt collection
- Other debt
|
- Written notification about debt
- Didn't receive notice of right to dispute
|
|
Phone |
|
|
|
| 01/18/2023 |
Yes |
- Debt collection
- Medical debt
|
- Written notification about debt
- Notification didn't disclose it was an attempt to collect a debt
|
|
Web |
|
|
|
| 01/17/2023 |
Yes |
- Debt collection
- Medical debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
|
| 12/25/2022 |
Yes |
- Debt collection
- Medical debt
|
- Attempts to collect debt not owed
- Debt was paid
|
|
Web |
|
|
|
| 10/25/2022 |
Yes |
- Debt collection
- Other debt
|
- Took or threatened to take negative or legal action
- Threatened to sue you for very old debt
|
|
Web |
|
|
|
| 10/19/2022 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
|
| 10/14/2022 |
Yes |
- Debt collection
- Other debt
|
- Written notification about debt
- Didn't receive enough information to verify debt
|
|
Phone |
|
|
|
| 09/23/2022 |
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 |
|
|
|
| 08/18/2022 |
Yes |
- Debt collection
- Medical debt
|
- Attempts to collect debt not owed
- Debt was paid
|
|
Web |
|
|
|
| 06/22/2022 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Information belongs to someone else
|
|
Web |
|
|
|
| 04/29/2022 |
Yes |
- Debt collection
- Medical debt
|
- Took or threatened to take negative or legal action
- Threatened to sue you for very old debt
|
|
Phone |
|
|
|
| 03/22/2022 |
Yes |
- Debt collection
- Medical debt
|
- Written notification about debt
- Didn't receive enough information to verify debt
|
|
Web |
|
|
|
| 02/28/2022 |
Yes |
- Debt collection
- Medical debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
|
| 02/21/2022 |
Yes |
- Debt collection
- Medical debt
|
- Written notification about debt
- Didn't receive enough information to verify debt
|
|
Web |
|
|
|
| 02/04/2022 |
Yes |
- Debt collection
- Medical debt
|
- Took or threatened to take negative or legal action
- Threatened or suggested your credit would be damaged
|
|
Web |
|
|
|
| 01/19/2022 |
Yes |
- Debt collection
- Other debt
|
- Communication tactics
- You told them to stop contacting you, but they keep trying
|
|
Postal mail |
|
|
|
| 01/03/2022 |
Yes |
- Debt collection
- Medical debt
|
- Attempts to collect debt not owed
- Debt was paid
|
|
Web |
|
|
|
| 12/14/2021 |
Yes |
- Debt collection
- Medical debt
|
- Written notification about debt
- Didn't receive enough information to verify debt
|
|
Web |
|
|
|
| 11/17/2021 |
Yes |
- Debt collection
- Medical debt
|
- False statements or representation
- Attempted to collect wrong amount
|
|
Phone |
|
|
|
| 11/16/2021 |
Yes |
- Debt collection
- Other debt
|
- Written notification about debt
- Didn't receive enough information to verify debt
|
|
Web |
|
|
|
| 11/02/2021 |
Yes |
- Debt collection
- Medical debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
|
| 08/17/2021 |
Yes |
- Debt collection
- Other debt
|
- Communication tactics
- Used obscene, profane, or other abusive language
|
|
Web |
|
|
|
| 08/14/2021 |
Yes |
- Debt collection
- Medical debt
|
- Attempts to collect debt not owed
- Debt was paid
|
|
Web |
|
|
|
| 04/12/2021 |
Yes |
- Debt collection
- Medical debt
|
- Written notification about debt
- Didn't receive enough information to verify debt
|
|
Web |
|
|
|
| 03/31/2021 |
Yes |
- Debt collection
- Medical debt
|
- Written notification about debt
- Didn't receive enough information to verify debt
|
|
Web |
|
|
|
| 03/19/2021 |
Yes |
- Debt collection
- Medical debt
|
- False statements or representation
- Attempted to collect wrong amount
|
|
Phone |
|
|
|
| 03/05/2021 |
Yes |
- Debt collection
- Medical debt
|
- Written notification about debt
- Didn't receive enough information to verify debt
|
|
Web |
|
|
|
| 01/04/2021 |
Yes |
- Debt collection
- Medical debt
|
- Written notification about debt
- Didn't receive enough information to verify debt
|
|
Web |
|
|
|
| 11/13/2020 |
Yes |
- Debt collection
- I do not know
|
- Written notification about debt
- Didn't receive enough information to verify debt
|
|
Fax |
|
|
|
| 10/02/2020 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt was paid
|
|
Phone |
Older American |
|
|
| 09/23/2020 |
Yes |
- Debt collection
- Medical debt
|
- Attempts to collect debt not owed
- Debt was paid
|
|
Phone |
Older American |
|
|
| 07/08/2020 |
Yes |
- Debt collection
- Medical debt
|
- Written notification about debt
- Didn't receive notice of right to dispute
|
|
Web |
|
|
|
| 06/17/2020 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt was paid
|
|
Web |
|
|
|
| 06/08/2020 |
Yes |
- Debt collection
- Other debt
|
- Written notification about debt
- Didn't receive enough information to verify debt
|
|
Phone |
Older American |
|
|
| 05/18/2020 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Old information reappears or never goes away
|
|
Web |
|
|
|
| 03/27/2020 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt was paid
|
|
Phone |
Older American, Servicemember |
|
|
| 03/26/2020 |
Yes |
- Debt collection
- Other debt
|
- Communication tactics
- Frequent or repeated calls
|
|
Phone |
|
|
|
| 03/21/2020 |
Yes |
- Debt collection
- Medical debt
|
- False statements or representation
- Attempted to collect wrong amount
|
|
Web |
|
|
|
| 03/17/2020 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
|
| 02/15/2020 |
Yes |
- Debt collection
- Medical debt
|
- Written notification about debt
- Didn't receive notice of right to dispute
|
|
Web |
|
|
|
| 02/14/2020 |
Yes |
- Debt collection
- Credit card debt
|
- Took or threatened to take negative or legal action
- Threatened to sue you for very old debt
|
|
Web |
|
|
|
| 02/10/2020 |
Yes |
- Debt collection
- Medical debt
|
- Written notification about debt
- Didn't receive enough information to verify debt
|
|
Web |
|
|
|
| 11/22/2019 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt was paid
|
|
Web |
|
|
|
| 11/21/2019 |
Yes |
- Debt collection
- Other debt
|
- Written notification about debt
- Didn't receive enough information to verify debt
|
|
Phone |
|
|
|
| 10/18/2019 |
Yes |
- Debt collection
- Medical debt
|
- Attempts to collect debt not owed
- Debt was paid
|
|
Web |
|
|
|
| 10/16/2019 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Information belongs to someone else
|
|
Web |
|
|
|
| 09/28/2019 |
Yes |
- Debt collection
- Other debt
|
- Took or threatened to take negative or legal action
- Threatened or suggested your credit would be damaged
|
|
Web |
|
|
|
| 08/23/2019 |
Yes |
- Debt collection
- Medical debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
Older American |
|
|
| 07/12/2019 |
Yes |
- Debt collection
- Medical debt
|
- Attempts to collect debt not owed
- Debt was paid
|
|
Web |
|
|
|
| 07/05/2019 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
|
| 06/25/2019 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Account information incorrect
|
|
Web |
|
|
|
| 05/21/2019 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Information belongs to someone else
|
|
Web |
|
|
|
| 04/17/2019 |
Yes |
- Debt collection
- Other debt
|
- Written notification about debt
- Didn't receive enough information to verify debt
|
|
Postal mail |
|
|
|
| 04/10/2019 |
Yes |
- Debt collection
- Medical debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
|
| 03/21/2019 |
Yes |
- Debt collection
- I do not know
|
- Attempts to collect debt not owed
- Debt was result of identity theft
|
|
Web |
|
|
|
| 03/12/2019 |
Yes |
- Debt collection
- Medical debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Phone |
|
|
|
| 02/28/2019 |
Yes |
- Debt collection
- I do not know
|
- Written notification about debt
- Didn't receive enough information to verify debt
|
|
Web |
|
|
|
| 02/21/2019 |
Yes |
- Debt collection
- Medical debt
|
- Written notification about debt
- Didn't receive enough information to verify debt
|
|
Postal mail |
|
|
|
| 02/20/2019 |
No |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt was paid
|
|
Web |
|
|
|
| 02/20/2019 |
Yes |
- Debt collection
- I do not know
|
- Attempts to collect debt not owed
- Debt was already discharged in bankruptcy and is no longer owed
|
|
Web |
|
|
|
| 02/04/2019 |
Yes |
- Debt collection
- Medical debt
|
- Written notification about debt
- Didn't receive enough information to verify debt
|
|
Web |
|
|
|
| 01/06/2019 |
Yes |
- Debt collection
- Medical debt
|
- Took or threatened to take negative or legal action
- Threatened or suggested your credit would be damaged
|
|
Web |
|
|
|
| 11/10/2018 |
Yes |
- Debt collection
- I do not know
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
|
| 11/01/2018 |
Yes |
- Debt collection
- Other debt
|
- Written notification about debt
- Didn't receive notice of right to dispute
|
|
Web |
|
|
|
| 10/13/2018 |
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 |
|
|
|
| 10/10/2018 |
Yes |
- Debt collection
- Medical debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
Servicemember |
|
|
| 08/29/2018 |
Yes |
- Debt collection
- Medical debt
|
- Attempts to collect debt not owed
- Debt was paid
|
|
Postal mail |
|
|
|
| 08/22/2018 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Referral |
|
|
|
| 08/15/2018 |
Yes |
- Debt collection
- I do not know
|
- Communication tactics
- Frequent or repeated calls
|
|
Web |
|
|
|
| 08/12/2018 |
Yes |
- Debt collection
- Medical debt
|
- Communication tactics
- Frequent or repeated calls
|
|
Web |
|
|
|
| 07/11/2018 |
Yes |
- Debt collection
- Medical debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
Servicemember |
|
|
| 05/22/2018 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Old information reappears or never goes away
|
|
Web |
|
|
|
| 05/14/2018 |
Yes |
- Debt collection
- Medical debt
|
- Took or threatened to take negative or legal action
- Sued you without properly notifying you of lawsuit
|
|
Phone |
|
|
|
| 04/04/2018 |
Yes |
- Debt collection
- Medical debt
|
- Attempts to collect debt not owed
- Debt was paid
|
|
Web |
|
|
|
| 03/28/2018 |
Yes |
- Debt collection
- Medical debt
|
- False statements or representation
- Attempted to collect wrong amount
|
|
Web |
|
|
|
| 03/20/2018 |
Yes |
- Debt collection
- I do not know
|
- False statements or representation
- Attempted to collect wrong amount
|
|
Referral |
|
|
|
| 03/05/2018 |
Yes |
- Debt collection
- Other debt
|
- False statements or representation
- Attempted to collect wrong amount
|
|
Web |
|
|
|
| 02/09/2018 |
Yes |
- Debt collection
- I do not know
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Phone |
|
|
|
| 02/07/2018 |
Yes |
- Debt collection
- I do not know
|
- Written notification about debt
- Didn't receive enough information to verify debt
|
|
Web |
Servicemember |
|
|
| 02/01/2018 |
Yes |
- Debt collection
- Medical debt
|
- Written notification about debt
- Didn't receive enough information to verify debt
|
|
Web |
|
|
|
| 01/18/2018 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt was paid
|
|
Web |
|
|
|
| 01/09/2018 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt was paid
|
|
Web |
|
|
|
| 12/12/2017 |
Yes |
- Debt collection
- Medical debt
|
- Written notification about debt
- Didn't receive enough information to verify debt
|
|
Referral |
|
|
|
| 12/08/2017 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt was paid
|
|
Referral |
|
|
|
| 11/25/2017 |
Yes |
- Debt collection
- I do not know
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
|
| 11/21/2017 |
Yes |
- Debt collection
- Other debt
|
- Took or threatened to take negative or legal action
- Seized or attempted to seize your property
|
|
Web |
|
|
|
| 10/23/2017 |
Yes |
- Debt collection
- Medical debt
|
- Took or threatened to take negative or legal action
- Threatened or suggested your credit would be damaged
|
|
Web |
|
|
|
| 09/19/2017 |
Yes |
- Debt collection
- Other debt
|
- Written notification about debt
- Didn't receive notice of right to dispute
|
|
Web |
|
|
|
| 09/11/2017 |
Yes |
- Debt collection
- Medical debt
|
- False statements or representation
- Attempted to collect wrong amount
|
|
Web |
|
|
|
| 08/26/2017 |
Yes |
- Debt collection
- Medical debt
|
- Written notification about debt
- Didn't receive enough information to verify debt
|
|
Phone |
|
|
|
| 08/22/2017 |
Yes |
- Debt collection
- Medical debt
|
- Attempts to collect debt not owed
- Debt was already discharged in bankruptcy and is no longer owed
|
|
Web |
|
|
|
| 08/15/2017 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
|
| 05/23/2017 |
Yes |
- Debt collection
- Other debt
|
- Written notification about debt
- Didn't receive enough information to verify debt
|
|
Postal mail |
|
|
|
| 04/30/2017 |
Yes |
- Debt collection
- Medical debt
|
- False statements or representation
- Attempted to collect wrong amount
|
|
Web |
|
|
|
| 04/28/2017 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt was result of identity theft
|
|
Web |
Older American |
|
|
| 04/17/2017 |
Yes |
- Debt collection
- Other (i.e. phone, health club, etc.)
|
- False statements or representation
- Attempted to collect wrong amount
|
|
Phone |
Older American, Servicemember |
|
|
| 04/14/2017 |
Yes |
- Debt collection
- Other (i.e. phone, health club, etc.)
|
- Disclosure verification of debt
- Not given enough info to verify debt
|
|
Web |
|
|
|
| 03/21/2017 |
Yes |
- Debt collection
- Other (i.e. phone, health club, etc.)
|
- False statements or representation
- Attempted to collect wrong amount
|
|
Web |
|
|
|
| 03/01/2017 |
Yes |
|
- Cont'd attempts collect debt not owed
- Debt was discharged in bankruptcy
|
|
Web |
Servicemember |
|
|
| 02/15/2017 |
Yes |
- Debt collection
- Other (i.e. phone, health club, etc.)
|
- Cont'd attempts collect debt not owed
- Debt is not mine
|
|
Referral |
|
|
|
| 02/09/2017 |
Yes |
|
- Cont'd attempts collect debt not owed
- Debt was paid
|
|
Phone |
|
|
|
| 01/11/2017 |
Yes |
|
- Communication tactics
- Frequent or repeated calls
|
|
Referral |
|
|
|
| 01/06/2017 |
No |
- Debt collection
- Other (i.e. phone, health club, etc.)
|
- False statements or representation
- Attempted to collect wrong amount
|
|
Web |
|
|
|
| 12/05/2016 |
Yes |
|
- Communication tactics
- Threatened to take legal action
|
|
Web |
|
|
|
| 11/28/2016 |
Yes |
- Debt collection
- Credit card
|
- Cont'd attempts collect debt not owed
- Debt was paid
|
|
Web |
|
|
|
| 10/19/2016 |
Yes |
|
- Cont'd attempts collect debt not owed
- Debt was paid
|
|
Web |
|
|
|
| 10/03/2016 |
Yes |
- Debt collection
- Other (i.e. phone, health club, etc.)
|
- Cont'd attempts collect debt not owed
- Debt was paid
|
|
Web |
|
|
|
| 09/21/2016 |
Yes |
- Debt collection
- Other (i.e. phone, health club, etc.)
|
- Cont'd attempts collect debt not owed
- Debt was paid
|
|
Web |
|
|
|
| 09/20/2016 |
Yes |
|
- Cont'd attempts collect debt not owed
- Debt is not mine
|
|
Postal mail |
|
|
|
| 09/07/2016 |
Yes |
- Debt collection
- Other (i.e. phone, health club, etc.)
|
- Disclosure verification of debt
- Not given enough info to verify debt
|
|
Postal mail |
|
|
|
| 09/06/2016 |
Yes |
- Debt collection
- Other (i.e. phone, health club, etc.)
|
- False statements or representation
- Attempted to collect wrong amount
|
|
Phone |
Servicemember |
|
|
| 09/06/2016 |
Yes |
- Debt collection
- Other (i.e. phone, health club, etc.)
|
- False statements or representation
- Attempted to collect wrong amount
|
|
Postal mail |
|
|
|
| 06/27/2016 |
Yes |
- Debt collection
- Other (i.e. phone, health club, etc.)
|
- Cont'd attempts collect debt not owed
- Debt was paid
|
|
Web |
Servicemember |
|
|
| 05/09/2016 |
Yes |
- Debt collection
- Other (i.e. phone, health club, etc.)
|
- False statements or representation
- Attempted to collect wrong amount
|
|
Web |
Servicemember |
|
|
| 05/03/2016 |
Yes |
|
- Disclosure verification of debt
- Right to dispute notice not received
|
|
Web |
|
|
|
| 05/02/2016 |
Yes |
|
- Cont'd attempts collect debt not owed
- Debt was paid
|
|
Web |
|
|
|
| 03/28/2016 |
Yes |
|
- Disclosure verification of debt
- Not given enough info to verify debt
|
|
Web |
|
|
|
| 03/28/2016 |
Yes |
- Debt collection
- Other (i.e. phone, health club, etc.)
|
- Disclosure verification of debt
- Not disclosed as an attempt to collect
|
|
Web |
|
|
|
| 03/10/2016 |
Yes |
- Debt collection
- Other (i.e. phone, health club, etc.)
|
- False statements or representation
- Attempted to collect wrong amount
|
|
Web |
|
|
|
| 02/25/2016 |
Yes |
|
- Disclosure verification of debt
- Not given enough info to verify debt
|
|
Web |
|
|
|
| 02/13/2016 |
Yes |
|
- Communication tactics
- Threatened to take legal action
|
|
Web |
Servicemember |
|
|
| 02/03/2016 |
Yes |
|
- Improper contact or sharing of info
- Contacted employer after asked not to
|
|
Web |
|
|
|
| 02/01/2016 |
Yes |
- Debt collection
- Other (i.e. phone, health club, etc.)
|
- False statements or representation
- Attempted to collect wrong amount
|
|
Referral |
|
|
|
| 01/30/2016 |
Yes |
|
- Disclosure verification of debt
- Not given enough info to verify debt
|
|
Web |
|
|
|
| 01/27/2016 |
Yes |
|
- Disclosure verification of debt
- Not given enough info to verify debt
|
|
Web |
|
|
|
| 01/19/2016 |
Yes |
|
- Cont'd attempts collect debt not owed
- Debt is not mine
|
|
Web |
|
|
|
| 12/31/2015 |
Yes |
|
- Incorrect information on credit report
- Account status
|
|
Postal mail |
Older American |
|
|
| 12/10/2015 |
Yes |
- Debt collection
- Other (i.e. phone, health club, etc.)
|
- Disclosure verification of debt
- Not given enough info to verify debt
|
|
Referral |
|
|
|
| 11/19/2015 |
Yes |
|
- Cont'd attempts collect debt not owed
- Debt is not mine
|
|
Web |
Older American |
|
|
| 11/16/2015 |
Yes |
- Debt collection
- Other (i.e. phone, health club, etc.)
|
- Cont'd attempts collect debt not owed
- Debt is not mine
|
|
Web |
|
|
|
| 11/14/2015 |
Yes |
|
- False statements or representation
- Attempted to collect wrong amount
|
|
Web |
|
|
|
| 09/24/2015 |
Yes |
|
- Disclosure verification of debt
- Not given enough info to verify debt
|
|
Web |
|
|
|
| 09/14/2015 |
Yes |
- Debt collection
- Other (i.e. phone, health club, etc.)
|
- Cont'd attempts collect debt not owed
- Debt was paid
|
|
Web |
|
|
|
| 09/07/2015 |
Yes |
|
- Taking/threatening an illegal action
- Sued w/o proper notification of suit
|
|
Web |
|
|
|
| 09/06/2015 |
Yes |
|
- Communication tactics
- Threatened to take legal action
|
|
Web |
Older American |
|
|
| 08/24/2015 |
Yes |
- Debt collection
- Other (i.e. phone, health club, etc.)
|
- Cont'd attempts collect debt not owed
- Debt was paid
|
|
Web |
|
|
|
| 08/19/2015 |
Yes |
- Debt collection
- I do not know
|
- Cont'd attempts collect debt not owed
- Debt was paid
|
|
Web |
|
|
|
| 07/27/2015 |
Yes |
- Debt collection
- Other (i.e. phone, health club, etc.)
|
- Cont'd attempts collect debt not owed
- Debt is not mine
|
|
Referral |
|
|
|
| 07/24/2015 |
Yes |
|
- Disclosure verification of debt
- Not given enough info to verify debt
|
|
Web |
|
|
|
| 07/16/2015 |
Yes |
- Debt collection
- Other (i.e. phone, health club, etc.)
|
- Disclosure verification of debt
- Not given enough info to verify debt
|
|
Phone |
Older American |
|
|
| 07/14/2015 |
Yes |
|
- Disclosure verification of debt
- Not given enough info to verify debt
|
|
Web |
|
|
|
| 06/16/2015 |
Yes |
|
- Disclosure verification of debt
- Not given enough info to verify debt
|
|
Web |
|
|
|
| 06/10/2015 |
Yes |
- Debt collection
- Other (i.e. phone, health club, etc.)
|
- Disclosure verification of debt
- Right to dispute notice not received
|
|
Web |
|
|
|
| 05/29/2015 |
Yes |
- Debt collection
- Other (i.e. phone, health club, etc.)
|
- False statements or representation
- Attempted to collect wrong amount
|
|
Web |
|
|
|
| 05/24/2015 |
Yes |
|
- Cont'd attempts collect debt not owed
- Debt was paid
|
|
Web |
|
|
|
| 05/19/2015 |
Yes |
- Debt collection
- I do not know
|
- Improper contact or sharing of info
- Contacted employer after asked not to
|
|
Web |
|
|
|
| 05/17/2015 |
Yes |
- Debt collection
- Other (i.e. phone, health club, etc.)
|
- Cont'd attempts collect debt not owed
- Debt was paid
|
|
Web |
|
|
|
| 04/22/2015 |
Yes |
- Debt collection
- Other (i.e. phone, health club, etc.)
|
- Cont'd attempts collect debt not owed
- Debt was paid
|
|
Web |
Older American |
|
|
| 04/11/2015 |
Yes |
- Debt collection
- I do not know
|
- Improper contact or sharing of info
- Talked to a third party about my debt
|
|
Web |
|
|
|
| 04/04/2015 |
Yes |
|
- Cont'd attempts collect debt not owed
- Debt was paid
|
|
Web |
|
|
|
| 04/03/2015 |
Yes |
- Debt collection
- I do not know
|
- Cont'd attempts collect debt not owed
- Debt is not mine
|
|
Web |
|
|
|
| 03/23/2015 |
Yes |
|
- Disclosure verification of debt
- Not disclosed as an attempt to collect
|
|
Web |
Older American |
|
|
| 03/16/2015 |
Yes |
|
- Taking/threatening an illegal action
- Sued w/o proper notification of suit
|
|
Web |
|
|
|
| 03/12/2015 |
Yes |
|
- Incorrect information on credit report
- Account terms
|
|
Web |
|
|
|
| 03/08/2015 |
Yes |
- Debt collection
- Other (i.e. phone, health club, etc.)
|
- Cont'd attempts collect debt not owed
- Debt is not mine
|
|
Web |
|
|
|
| 02/14/2015 |
Yes |
- Debt collection
- Other (i.e. phone, health club, etc.)
|
- False statements or representation
- Indicated shouldn't respond to lawsuit
|
|
Web |
|
|
|
| 02/10/2015 |
Yes |
|
- Cont'd attempts collect debt not owed
- Debt is not mine
|
|
Web |
Servicemember |
|
|
| 02/06/2015 |
Yes |
|
- Communication tactics
- Threatened to take legal action
|
|
Web |
|
|
|
| 02/06/2015 |
Yes |
- Debt collection
- Other (i.e. phone, health club, etc.)
|
- Cont'd attempts collect debt not owed
- Debt is not mine
|
|
Web |
|
|
|
| 02/01/2015 |
Yes |
|
- Cont'd attempts collect debt not owed
- Debt was paid
|
|
Web |
Servicemember |
|
|
| 01/26/2015 |
Yes |
|
- Cont'd attempts collect debt not owed
- Debt was paid
|
|
Web |
|
|
|
| 01/26/2015 |
Yes |
|
- Improper contact or sharing of info
- Talked to a third party about my debt
|
|
Web |
|
|
|
| 01/22/2015 |
Yes |
|
- Cont'd attempts collect debt not owed
- Debt was paid
|
|
Web |
|
|
|
| 01/20/2015 |
Yes |
|
- Cont'd attempts collect debt not owed
- Debt is not mine
|
|
Phone |
|
|
|
| 01/15/2015 |
Yes |
- Debt collection
- I do not know
|
- Improper contact or sharing of info
- Talked to a third party about my debt
|
|
Web |
|
|
|
| 01/14/2015 |
Yes |
|
- False statements or representation
- Attempted to collect wrong amount
|
|
Web |
Servicemember |
|
|
| 01/13/2015 |
Yes |
|
- Disclosure verification of debt
- Not given enough info to verify debt
|
|
Web |
Older American |
|
|
| 01/07/2015 |
Yes |
- Debt collection
- Other (i.e. phone, health club, etc.)
|
- Cont'd attempts collect debt not owed
- Debt was paid
|
|
Referral |
|
|
|
| 12/23/2014 |
Yes |
- Debt collection
- Credit card
|
- False statements or representation
- Impersonated an attorney or official
|
|
Web |
|
|
|
| 12/11/2014 |
Yes |
- Debt collection
- Other (i.e. phone, health club, etc.)
|
- Cont'd attempts collect debt not owed
- Debt was paid
|
|
Web |
|
|
|
| 12/09/2014 |
Yes |
- Debt collection
- I do not know
|
- Cont'd attempts collect debt not owed
- Debt is not mine
|
|
Web |
|
|
|
| 11/09/2014 |
Yes |
|
- Cont'd attempts collect debt not owed
- Debt was paid
|
|
Web |
|
|
|
| 11/06/2014 |
Yes |
|
- Incorrect information on credit report
- Account status
|
|
Web |
|
|
|
| 11/05/2014 |
Yes |
|
- Cont'd attempts collect debt not owed
- Debt was paid
|
|
Web |
|
|
|
| 11/05/2014 |
Yes |
|
- Taking/threatening an illegal action
- Threatened to sue on too old debt
|
|
Web |
|
|
|
| 10/24/2014 |
Yes |
- Debt collection
- Other (i.e. phone, health club, etc.)
|
- Communication tactics
- Called after sent written cease of comm
|
|
Web |
|
|
|
| 10/15/2014 |
Yes |
|
- Cont'd attempts collect debt not owed
- Debt was paid
|
|
Web |
Older American |
|
|
| 10/14/2014 |
Yes |
- Debt collection
- I do not know
|
- Disclosure verification of debt
- Not given enough info to verify debt
|
|
Web |
|
|
|
| 10/10/2014 |
Yes |
- Debt collection
- Other (i.e. phone, health club, etc.)
|
- False statements or representation
- Attempted to collect wrong amount
|
|
Web |
|
|
|
| 09/07/2014 |
Yes |
- Debt collection
- Other (i.e. phone, health club, etc.)
|
- Cont'd attempts collect debt not owed
- Debt was paid
|
|
Web |
|
|
|
| 08/16/2014 |
Yes |
|
- Cont'd attempts collect debt not owed
- Debt is not mine
|
|
Web |
|
|
|
| 08/16/2014 |
Yes |
- Debt collection
- Other (i.e. phone, health club, etc.)
|
- Disclosure verification of debt
- Right to dispute notice not received
|
|
Web |
|
|
|
| 08/15/2014 |
Yes |
|
- Cont'd attempts collect debt not owed
- Debt is not mine
|
|
Web |
|
|
|
| 08/12/2014 |
Yes |
|
- False statements or representation
- Indicated committed crime not paying
|
|
Web |
|
|
|
| 08/04/2014 |
Yes |
|
- Cont'd attempts collect debt not owed
- Debt is not mine
|
|
Web |
|
|
|
| 07/25/2014 |
Yes |
- Debt collection
- I do not know
|
- Cont'd attempts collect debt not owed
- Debt is not mine
|
|
Web |
|
|
|
| 07/21/2014 |
Yes |
- Debt collection
- Other (i.e. phone, health club, etc.)
|
- Cont'd attempts collect debt not owed
- Debt is not mine
|
|
Web |
|
|
|
| 07/20/2014 |
Yes |
|
- False statements or representation
- Attempted to collect wrong amount
|
|
Web |
Servicemember |
|
|
| 06/17/2014 |
Yes |
|
- Cont'd attempts collect debt not owed
- Debt was paid
|
|
Web |
Servicemember |
|
|
| 06/12/2014 |
Yes |
- Debt collection
- Other (i.e. phone, health club, etc.)
|
- False statements or representation
- Attempted to collect wrong amount
|
|
Web |
|
|
|
| 05/30/2014 |
Yes |
- Debt collection
- Other (i.e. phone, health club, etc.)
|
- False statements or representation
- Attempted to collect wrong amount
|
|
Postal mail |
Servicemember |
|
|
| 05/28/2014 |
Yes |
- Debt collection
- Other (i.e. phone, health club, etc.)
|
- Cont'd attempts collect debt not owed
- Debt is not mine
|
|
Web |
Older American |
|
|
| 05/20/2014 |
Yes |
|
- Disclosure verification of debt
- Right to dispute notice not received
|
|
Web |
|
|
|
| 05/12/2014 |
Yes |
- Debt collection
- I do not know
|
- Cont'd attempts collect debt not owed
- Debt is not mine
|
|
Web |
|
|
|
| 05/06/2014 |
Yes |
|
- Disclosure verification of debt
- Not given enough info to verify debt
|
|
Web |
|
|
|
| 04/23/2014 |
Yes |
|
- False statements or representation
- Attempted to collect wrong amount
|
|
Web |
|
|
|
| 04/11/2014 |
Yes |
|
- Cont'd attempts collect debt not owed
- Debt was discharged in bankruptcy
|
|
Web |
|
|
|
| 03/22/2014 |
Yes |
|
- Communication tactics
- Threatened to take legal action
|
|
Web |
|
|
|
| 03/08/2014 |
Yes |
- Debt collection
- I do not know
|
- Cont'd attempts collect debt not owed
- Debt is not mine
|
|
Fax |
Older American, Servicemember |
|
|
| 03/03/2014 |
Yes |
- Debt collection
- I do not know
|
- Cont'd attempts collect debt not owed
- Debt is not mine
|
|
Web |
|
|
|
| 02/08/2014 |
Yes |
|
- Taking/threatening an illegal action
- Threatened to sue on too old debt
|
|
Web |
|
|
|
| 02/06/2014 |
Yes |
- Debt collection
- I do not know
|
- False statements or representation
- Attempted to collect wrong amount
|
|
Web |
Older American |
|
|
| 02/02/2014 |
Yes |
|
- Cont'd attempts collect debt not owed
- Debt is not mine
|
|
Web |
|
|
|
| 01/29/2014 |
Yes |
- Debt collection
- Other (i.e. phone, health club, etc.)
|
- Cont'd attempts collect debt not owed
- Debt was paid
|
|
Phone |
|
|
|
| 01/25/2014 |
Yes |
- Debt collection
- Other (i.e. phone, health club, etc.)
|
- Cont'd attempts collect debt not owed
- Debt is not mine
|
|
Web |
|
|
|
| 01/22/2014 |
Yes |
- Debt collection
- I do not know
|
- Cont'd attempts collect debt not owed
- Debt resulted from identity theft
|
|
Web |
|
|
|
| 01/16/2014 |
Yes |
|
- False statements or representation
- Attempted to collect wrong amount
|
|
Web |
|
|
|
| 01/12/2014 |
Yes |
- Debt collection
- Other (i.e. phone, health club, etc.)
|
- False statements or representation
- Attempted to collect wrong amount
|
|
Web |
Older American |
|
|
| 12/31/2013 |
Yes |
- Debt collection
- Other (i.e. phone, health club, etc.)
|
- Disclosure verification of debt
- Not disclosed as an attempt to collect
|
|
Web |
|
|
|
| 12/28/2013 |
Yes |
- Debt collection
- Other (i.e. phone, health club, etc.)
|
- Disclosure verification of debt
- Right to dispute notice not received
|
|
Web |
|
|
|
| 11/25/2013 |
Yes |
|
- Cont'd attempts collect debt not owed
- Debt is not mine
|
|
Web |
|
|
|
| 11/21/2013 |
Yes |
- Debt collection
- Other (i.e. phone, health club, etc.)
|
- False statements or representation
- Attempted to collect wrong amount
|
|
Web |
Servicemember |
|
|
| 11/09/2013 |
Yes |
- Debt collection
- Other (i.e. phone, health club, etc.)
|
- Communication tactics
- Called after sent written cease of comm
|
|
Web |
|
|
|
| 11/01/2013 |
Yes |
|
- False statements or representation
- Attempted to collect wrong amount
|
|
Web |
Servicemember |
|
|
| 11/01/2013 |
Yes |
|
- Cont'd attempts collect debt not owed
- Debt was paid
|
|
Web |
|
|
|
| 10/30/2013 |
Yes |
|
- Cont'd attempts collect debt not owed
- Debt is not mine
|
|
Web |
|
|
|
| 10/25/2013 |
Yes |
|
- Cont'd attempts collect debt not owed
- Debt was paid
|
|
Web |
|
|
|
| 10/23/2013 |
Yes |
- Debt collection
- Other (i.e. phone, health club, etc.)
|
- Cont'd attempts collect debt not owed
- Debt was paid
|
|
Web |
|
|
|
| 10/20/2013 |
Yes |
|
- Disclosure verification of debt
- Right to dispute notice not received
|
|
Web |
|
|
|
| 10/04/2013 |
Yes |
|
- Cont'd attempts collect debt not owed
- Debt is not mine
|
|
Web |
|
|
|
| 09/12/2013 |
Yes |
|
- Cont'd attempts collect debt not owed
- Debt was paid
|
|
Phone |
Servicemember |
|
|
| 09/06/2013 |
Yes |
|
- False statements or representation
- Attempted to collect wrong amount
|
|
Web |
|
|
|
| 08/29/2013 |
Yes |
|
- Disclosure verification of debt
- Not disclosed as an attempt to collect
|
|
Web |
|
|
|