Razor Capital, LLC CFPB Complaints

2000 Latest Complaints

Date Received	Timely Response	Product	Issue	State / Zip	Submitted Via	Tags
11/10/2017	No	Debt collection Credit card debt	Took or threatened to take negative or legal action Threatened to sue you for very old debt	TX 77545	Web
In XXXX XXXX, I was contacted by XXXX XXXX with XXXX XXXX XXXX stating she was attempting to collect on a debt on behalf of XXXX XXXX and threatened to file a lawsuit against me if I did not resolve the matter. Naturally, fearing a lawsuit, I agreed to pay the debt over a period of 2 months. However, recently, on XXXX/XXXX/XXXX, I was contacted by XXXX with XXXX and XXXX stating she was reaching out to me in regards to the same XXXX XXXX debt. She stated the debt was fro XXXX in the amount of {$7600.00} and she too indicated the matter needed to be resolved and threaten to file a lawsuit in my jurisdiction if it was not. I informed her that this debt had already been settled and that I would review my records and contact her to provide her with the information but she did not care. She was rude and right out abusive and continued to threat litigation stating it was not the same debt. However, I never had more than one account with XXXX XXXX. I was able to get off the phone with her and reviewed my records. Having the contact information for XXXX I attempted to contact her but when I tried to call her the line would ring and then sound busy. I then decided to email her and of course the email was returned undeliverable, and it was then that I realized I may have been a victim of a scam by XXXX and XXXX XXXX XXXX and that the XXXX XXXX debt may still be outstanding so I reached back out to XXXX and she confirmed that it appeared I was a victim of a scam but and that regardless I had to resolve the debt she was collecting on behalf of XXXX XXXX. I was so distraught seeing as I had paid {$3400.00} to XXXX XXXX XXXX and the debt was still outstanding. Therefore, fearing the immediate filing of a lawsuit by XXXX and XXXX, I set up a payment plan with XXXX and her colleague, XXXX, to settle this debt. They instructed me to contact my bank and file a claim for the payments paid to XXXX XXXX XXXX but in the meantime scheduled payments to resolve what would be the remaining balance once my bank returned the $ XXXX and I in turn remitted those funds to XXXX and XXXX. However, because I realized I was initially scammed I immediately thought this was another scam and reached out to XXXX XXXX directly and they informed me that the account had transferred to XXXX XXXX XXXX XXXX not XXXX and XXXX. It turns out the original XXXX XXXX account has been sold and transferred to at least 4 companies. XXXX XXXX XXXX XXXX transferred it to XXXX who then transferred it to XXXX XXXX XXXX XXXX and they in turn transferred it to Razor Capital. Each time I contacted the new account holder I was provided with the phone number and that is how I have been able to determine who actually is the account holder. Unfortunately, I have been trying to reach the last know account holder, Razor Capital, to determine if they sill hold the account or the new holder information to determine if XXXX and XXXX is indeed the current account holder but I have been unsuccessful. Needless to say, I had to cancel my debit card and tried to file a claim with my bank for the monies paid to XXXX XXXX XXXX ; however, due to the lapse in time, I was not able to successfully file a claim over the phone ; the claim has to be filed via mail. Either way, my bank cancelled my debit card and XXXX and XXXX was unsuccessful in debiting the second payment of {$560.00} ; the initial payment was for {$1000.00} against my XXXX but I have also cancelled that card and filed a claim for that charge and the charge by XXXX XXXX XXXX ( I used my XXXX to pay a portion to them as well ). Seeing as the payment did not go through XXXX contacted me again today, XXXX/XXXX/XXXX regarding the payment. I informed her that per her instructions I contacted my bank and cancelled my card, which is why today 's payment did not go through. She then questioned how my bank planned on refunding me the monies from my claim if my card was cancelled, which was odd to me because the cancellation of my card is irrelevant to funds being potentially credited back to my account due to a fraud claim so I proceeded to ask her relevant questions that would assist me with determining if she and the company she worked for were legitimate. She stated the account holder was XXXX XXXX and XXXX XXXX and she was collecting on their behalf. She also provided me with XXXX 's NY license number as XXXX but was unable to provide me with their address or phone number or an account number linked to me so that I can provide with my deposit yet she advised she would reach out to XXXX to contact me with this information and also request that she send the documents regarding the settlement that she was to send me yesterday. In the meantime, she stated that I needed to go to my bank and deposit today 's payment to XXXX 's account and coincidentally enough they held an account with my same bank. After getting off the phone with her I reached out to my bank to confirm the account information but of course they were unable to provide me with any information. At this point I am seeking information from Razor Capital regarding this debt. Do they currently hold this debt or if it was transferred to who was it transferred? I am fearful that I am being scammed again but am also fearful of being sued if it turns out that XXXX XXXX and XXXX is the true holder of the debt and XXXX and XXXX is collecting on their behalf. With that said, I would also like for XXXX and XXXX to validate the debt.
12/31/2015	Yes	Debt collection Credit card	Communication tactics Threatened to take legal action	OH 44067	Web
In XXXX 2015, I received a court summons from XXXX XXXX XXXX for a debt. I responded via certified mail within the XXXX time frame asking for proof of the debt and for more information. I received no response. The week of XXXX, XXXX/XXXX/15 I believe it was, I received another court document from XXXX XXXX XXXX asking for a motion of default judgement against me. I was never contacted by Razor Capital, their client, nor was I ever contacted by XXXX & XXXX before receiving a court notice in XXXX. I have called multiple times and asked for the person named in the documents and he is never available. I have never even been given the opportunity to try and settle this claim. No reasonable offer has been made. There has been no communication other than XXXX court notices. I wish to avoid court if at all possible by I have never been contacted to try and work anything out. How can you threaten someone like this? Most companies send multiple letters or correspondence trying to resolve their issues before taking things to this level. I do not understand how people can do business in this manner. I looked up Razor Capital and they have numerous consumer complaints against them for collection efforts. Is this why they felt the need to send a law firm after me? If this debt is in fact valid, I would like nothing more than to come to a fair solution for both sides. All I 'm asking for is communication besides being threatened with court notices. Ca n't this be settled in a civilized manner?
08/15/2015	No	Debt collection Other (i.e. phone, health club, etc.)	Taking/threatening an illegal action Threatened to sue on too old debt	MI 48238	Web
Refer to CFPB Case number XXXX. Razor Capital LLC sold a debt that is n't mine to a debt buyer, which is the case number listed above. The statue of limitations in Michigan is XXXX years from the date of the last payment on the account, which was XX/XX/XXXX. These companies both have a charge off date of XX/XX/XXXX, and are using that date as the last payment date. I have never lived at the addresses for the utilities they say I am being charged for, nor have I ever had utilities in my name, much less make a payment. I have asked the debt buyer, XXXX XXXX, to stop contacting me, which they have. Both companies have refused to verify the debt and check their records. They have also failed to provide the documents I have requested, such as the debt verification and fraud packet. It is now XX/XX/XXXX, ( XXXX years after the last activity or " payment '' on the account ) and therefore, it is too late to get a court judgement on this debt. I am also extremely upset that Razor Capital has ignored my pleas to use my right to dispute the debt. As a matter of fact, just XXXX months ago was the first notice I had ever received about this debt collection effort. I have lived at the my current address for XXXX years, and I am just receiving this now? XXXX years after the fact? This is unacceptable, and extremely unethical.
04/12/2020	Yes	Debt collection Auto debt	Attempts to collect debt not owed Debt was paid	PA 167XX	Web
XXXX XXXX XXXX sold my account to razor capital a debt collector. Razor capital/XXXX XXXX had account through XXXX XXXX XXXX. When I went to pay agreed payment amount, XXXX said account was closed and couldnt tell me anything. Never received anything saying debt was still owed. Then went to sell my house and it says razor capital has a lien on it. Call razor capital and they tell you I owe and tell me to call XXXX XXXX and XXXX another collector. Call them and they say if and when they get the account they can tell me how to pay. Had the real estate lawyer call and they get the run around as well. They got a letter from razor capital saying how much I owe ( XXXX ) but not how to repay it. They dont give you any way to get the lien off of the home so that I can sell it. Im only getting what is owed on the house Im not making money off of it. They will not tell me how to get lien off. I have called numerous times in the last 4 months or so and still get the run around. When I did the court agreement to pay {$25.00} a month which I did until they closed account it never said anything about a lien. I believe the account was closed and the lien should have been taken off. I co-own the home with my ex as well. So I dont know how they can have a lien on something that is not all mine
09/13/2020	No	Debt collection Other debt	Attempts to collect debt not owed Debt was paid	MI 48135	Web
I had a old debt that I was unaware about. Not on my credit report or any communication by mail. Not until my employer told me in XXXX I had a wage garnishment. I had to pay {$100.00} a week begining roughly XX/XX/2020 to XX/XX/2020, when it was fully paid and settled. Than in XXXX, I get notice my state taxes are being held for a wage garnishment from this same debt with XXXX XXXX XXXX law. I immediately contacted the state, they needed proof it was paid. I sent them everything but since I didn't have the official court copy showing the judgement was paid in full they couldn't release it. I contacted the law office by phone & email as well requesting this. The XXXX district court even tried contacting them as well. Weeks turned into months & the state income withholding unit sent my money to the law office. I paid this debt twice. I've been extremely patient with them. I struggled to provide for my family for almost 3 months paying this back through a wage garnishment. I waited for my state income tax return that was held for months. Than they send my tax return to pay again for this debt. Another 3 months of trying to contact the lawyer with no calls or emails back. This law office got my money twice for 1 debt. I deserve to have my money back.
10/25/2022	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Improper use of your report Reporting company used your report improperly	IL 60620	Web
Hello, I paid my collections for razor capital off. The issue is Razor capital and XXXX broke the law. Legally if the account is sold to the original corrector, I am not liable for that debt. I only paid it because they were threatening to take me to court, threatening to come after me, threatening to get police involved. They broke the The Fair Debt Collection Practices Act! These are all violations of U.S Law! Per 15 Us 1692c : a debt collector may not communicate with a consumer in connection with the collection of any debt. I was sent paperwork by mail, they blew up my phone everyday. I felt harassed, scared, stressed out!! They also called me before XXXX and after XXXX which is against the law!!!! The information on my XXXX report and XXXX report are being reported inaccurately and does not have the same information. If your fail to communicate to the consumer reporting Agencies that this company broke the law, that would be a violation Pursuant 15usc 1692e8- False or misleading Representation! Per US LAW a consumers debt is not allowed to be communicated unless I gave consent. I never gave consent for Razor capital to contact me! Look at 15 U.S 1692b. I was also represented by an attorney and they still illegally was harassing me!
05/03/2023	Yes	Debt collection Auto debt	Took or threatened to take negative or legal action Sued you without properly notifying you of lawsuit	AL 36605	Web
You guys gave my info to a repo man without my consent ..you also took my personal belongings that were in the car without letting me get them out. A. The " No Disclosure Without Consent '' Rule No agency shall disclose any record which is contained in a system of records by any means of communication to any person, or to another agency, except pursuant to a written request by, or with the prior written consent of, the individual to whom the record pertains [ subject to 12 exceptions ]. 5 U.S.C. 552a ( b ). This is a law ( 6 ) Taking or threatening to take any noniudicial action to effect dispossession or disablement of property if- Also the car has been sold and you guys are still reporting to the credit bureau as late payments and repossession. Please stop and deceased all future reporting and harassment letters, remove repossession off my report and all collection activities please stop due to you having possession of the vehicle and it was sold off. I am also seeking pain and suffering for defaming my character harassment and financial loss due to reporting on my credit. Plus now you have sold my information to a third party company. I can offer to pay {$1.00} to cover my debt with you guys.
02/11/2021	Yes	Debt collection Payday loan debt	Took or threatened to take negative or legal action Threatened to sue you for very old debt	GA XXXXX	Web
XX/XX/XXXX I requested a {$1200.00} payday advance against my direct deposit from XXXX XXXX XXXX XXXX in XXXX , GA. When my paycheck deposited, it was not enough to cover the amount and I was also facing eviction. The bank took monies that were available at that time, and I was to pay the balance. Subsequently, Spring XXXX, I was notified to appear in XXXX County court for the remaining balance, which was aprox {$1200.00} with court cost and filing fees. I was contacted by the XXXX XXXX representative to set up my direct payment arrangement. Shortly after I was contacted and informed that I would receive information regarding my payday loan, as XXXX XXXX was not authorized to perform payday lending in Georgia. Until i received a letter ( attached ) on XX/XX/XXXX did I recall this situation, nor received any follow communication since XXXX. It has not been appearing on my credit files, but I've been notified of garnishment notice sent to my employer in the amount of {$1800.00}.
07/10/2018	No	Debt collection Other debt	Attempts to collect debt not owed Debt was result of identity theft	MI 48224	Web	Servicemember
Razor Capital tried to sue me for a utility account that I am not liable for. I sent the law firm they hired ; XXXX and XXXX, information about the identity theft case. I sent them information from the IRS, the FTC, the police department and all of the information they needed. They ignored the information and instead sent me the bill claiming that this was verification enough. They tried to get me to agree to a default in judgment and pay them 800 + dollars. I declined and responded with why I wasn't liable. I missed the court day due to an emergency health situation. I filled a motion to set the judgment aside with all of the original information they should have considered and taken a look at before. This debt is beyond the statute of limitations to even collect on a debt that is 7 years old. I will be filing a complaint with the FTC and the attorney general.
07/12/2018	No	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Problem with a credit reporting company's investigation into an existing problem Their investigation did not fix an error on your report	FL 33411	Web
I XXXX XXXX disputed over and over again that credit one bank was settled and paid in full. A paid charge off. XXXX XXXX nor XXXX who I have written to many many times as well have disputed on line will not correct nor update comments and balance. Its a XXXX balance and comment should say paid charge off or paid and settled for less. I have proof of letters that account was paid. It was originally XXXX XXXX XXXX account they sold it to XXXX XXXX XXXX. Then XXXX XXXX XXXX told me they sold it to a third party RAZOR CAPITAL. Razor Capital is the collection agency I had to settle and pay charge off of XXXX. Their phone number is XXXX
03/13/2017	Yes	Debt collection Other (i.e. phone, health club, etc.)	Cont'd attempts collect debt not owed Debt is not mine	MI 48009	Web
I moved in XX/XX/XXXX XXXX miss read broken meter. This was disputed and resolved with my credit reports and razor capital. Send them documentation XX/XX/XXXX. Now XXXX is trying to collect with a false statement. ( Bill ) No payment was ever made on this account - no proof of payment has even been made. like I said i did not reside at this address for 5 years. with wahat the payment was made?? proof Check or credit card and the account number that it was paid from? This is a fake bill and they are illegally try to collect on a debt that is no longer even valid by sending a fake bill.
05/15/2017	Yes	Debt collection Credit card debt	Took or threatened to take negative or legal action Threatened or suggested your credit would be damaged	NY 134XX	Web
XXXX a credit card was takin out in name without my knowledge the credit limit was XXXX $ went into default sold off to XXXX XXXX holding XXXX XXXX XXXX then to Razor Capital LLC XXXX XXXX XXXX by the time i was aware of any of this it was XXXX XXXX explanied that i did not take this credit card out found out that someone in XXXX FL did this i have lived in NY my enitre life also i filed a report with the NY state Police in XXXX NY i have always paid my bills and credit cards in full i have perfect credit, HAD untill this
07/14/2016	Yes	Debt collection Other (i.e. phone, health club, etc.)	Improper contact or sharing of info Talked to a third party about my debt	GA 30349	Web
RAzOR Caital LLC delivered court docs ( XXXX-XXXX personal pages ) to my home simply stapled no envelope ; to a roommate and I believe my privacy rights were violated. This is because new roommate ( non relative of two weeks ) was able to have an opportunity to view docs prior to my getting home. Prior to delivery of summons, Razor opted not to work with me and insisted even with a payment arrangement we still have to go to court if not paid in full by court date. And refused to consider any settlement offer prior to violating my rights.
06/14/2016	No	Debt collection Other (i.e. phone, health club, etc.)	Cont'd attempts collect debt not owed Debt is not mine	MI 483XX	Web
I 'm being sued by a predatory debt collector .they claim to have purchased a debt that they say is mine. They claimed to have purchased debt in XX/XX/2016 and are suing me as of XX/XX/ XXXX. I never had this debt, it has never appeared on my credit report before.the dates they give place me living with my parents at the time and I did n't have a utility bill in my name while living with them
11/24/2019	No	Debt collection Other debt	Attempts to collect debt not owed Debt is not yours	FL 346XX	Web
Razor Capital is trying to collect a debt that is not mine. They have filed a lawsuit against me. They are trying to collect on a debt that was an identity theft issue. Report was filled with the FTC about the issue. I have not been able to file a police report because they want an original letter from the company saying this debt is mine. I have no idea who the original company is.
06/27/2020	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 Difficulty submitting a dispute or getting information about a dispute over the phone	AR 72761	Web
RAZOR-CAPITAIL OWNS XXXX ACCOUNT NO.XXXX, LAST PAYMENT WAS XX/XX/XXXX, AND THE STATUES OF LIMITATIONS ARE EXPIRED AND MUST BE REMOVE BY ANY OF THE THREE. ALSO, ACCOUNT WAS LISTED IN MY CHAPTER XXXX BANKRUPTCY DISCHARGE THIS TRADELINE IN MY BK XXXX XX/XX/XXXX. WE ARE OPENING OUR BK SOON AND SUING RAZOR-CAPITAL AS WELL AS XXXX ALONG WITH XXXX IN ADVEERSIAL PROCEEDING SEE DISCOVERY
11/10/2015	Yes	Debt collection Credit card	Communication tactics Called after sent written cease of comm	CA 90066	Web
I asked to Cease and Assist the debt with the current Creditor Razor Capital and both XXXX XXXX and currently Total Card has been harassing me and been belligerent when I called them to do not call me as this account is 5 yrs old and I am not working XXXX! Also verbally threatening and harassing me! I also asked not to be on a recorded line and they disrespected my wishes!!
07/05/2018	No	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Account information incorrect	FL 33411	Web
The credit one credit card account ending in XXXX was charged off and sold to XXXX XXXX XXXX. Then sold to Razor Capital. I settled and paid in full on account and was promised a pay and delete. But Id settle for the comments on report saying paid charge off. Or paid and settle for less. Not a charge off account. Plus I have proof of a letter showing its paid.
06/21/2017	Yes	Debt collection I do not know	Took or threatened to take negative or legal action Sued you without properly notifying you of lawsuit	GA 30310	Web	Servicemember
I started getting advertisement from lawyers about taking on my case and filing for chapter 7 or 13. I did n't know what was going on until I looked up the state court case with my name on it from Razor Capital on behalf of XXXX XXXX, suing/garnishing me for an old business account in which the bank is closed ( shut down ). I do n't even remember the debt.
01/27/2017	Yes	Debt collection Other (i.e. phone, health club, etc.)	Cont'd attempts collect debt not owed Debt is not mine	GA 30046	Web
On Thursday, XX/XX/2016 Razor Capital , LLC filled a Small Claims General Civil suit against me in XXXX County Magistrate Court on behalf of XXXX ( Attorney for Plaintiff ) Bar # : XXXX. I do not own this alleged debt And I wish that this debt collector close this case against me and contact my FDCPA attorney XXXX, CA XXXX Phone : XXXX resolve this matter.
04/04/2022	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt is not yours	MI 48219	Web
I just received a random Garnishment on my new personal bank account. I did research and found out it's from a debt im unaware from XXXX ( XXXX XXXX XXXX ). The debt was garnished by a company named XXXX XXXX XXXX Razor Capitol . I have no knowledge of this debt which is from 2009 when I was XXXX XXXX of age with no apt/home in XXXX.
08/24/2016	Yes	Payday loan	Payment to acct not credited	TN 37415	Web
I made installment payments directly to the company, which is XXXX, and the loan was paid in full in XXXX 2016. I have an email of the pay schedule and also confirmations of each payment made. I expect this company is a scam and just looks for predators,,, ,well, they have met the enemy and need to leave me XXXX alone!!!!!!
04/04/2019	No	Debt collection Private student loan debt	Took or threatened to take negative or legal action Seized or attempted to seize your property	NJ 082XX	Web
I paid a debt with Razor Capital in XXXX. On XX/XX/XXXX I received a Notice of Application For Wage Execution on a debt that has been paid. I sent the documents to razor capital and their attorney, XXXX, XXXX, XXXX, XXXX XXXX and they refuse to review the documents and release the money they have illegally taken from me.
10/25/2016	Yes	Debt collection I do not know	Communication tactics Frequent or repeated calls	GA 30093	Web
Several sections of the F.D.C.P.A ( Fair Debt Collection Practices Act ) has been violated by the named debt collector Razor Capital , LLC. Further attempts to contact me will result in legal action being taken and each violation is punishable by fines to the debt collector in a civil suit.
04/10/2017	Yes	Debt collection Other (i.e. phone, health club, etc.)	Communication tactics Used obscene/profane/abusive language	MI 48198	Web
Razor capitol, LLC has called me many times using profane language and what I would perceive as threats if I do not pay them. I asked for them to stop calling me. They have not. Now I let their calls go to voice mail but they wo n't leave any messages saying its them.
07/20/2018	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Account information incorrect	FL 33411	Web
XXXX XXXX XXXX credit card was sold to XXXXXXXX XXXX XXXX. XXXX XXXX XXXX sold the XXXX XXXX credit card account to Razor Capital. It was Razor Capital who settled my account with me, comments on my account should be paid and settled account. Paid charge off.
02/10/2017	Yes	Debt collection Payday loan	Improper contact or sharing of info Talked to a third party about my debt	IN 46835	Web
XXXX AND RAZOR ARE VIOLATORS OF THE : " DODD-FRANK WALLSTREET REFORM AND CONSUMER PROTECTION ACT. '' XXXX COUNTS OF AGGREVATED CREDIT REPORTING FRAUD WITH XXXX AND XXXX IS A CRME. XXXX COUNTS OF F.C.R.A. XXXX COUNTS OF T.C.P.A. XXXX COUNTS OF F.D.C.P.A.
07/29/2016	Yes	Debt collection Other (i.e. phone, health club, etc.)	Cont'd attempts collect debt not owed Debt is not mine	MI 483XX	Web
I received a letter stating I owe consumers almost XXXX for a light bill I never got or received in my name. It was over 10 years ago and at that time I was a child and really need to resolve this issue so I can prepare for my new living situation.
03/05/2023	Yes	Debt collection I do not know	False statements or representation Indicated you were committing crime by not paying debt	DC 200XX	Web
I have been trying to reach out to this company about this alleged debt but I haven't gotten their response so here I am seeking help from the CFPB and other consumer protection agencies to get this matter resolved once in for all.
07/20/2018	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Account information incorrect	FL 33411	Web
XXXX XXXX credit card was a paid and settled charge off on XX/XX/2017 XXXX was paid and suppose to say in comments on my three credit reports as a paid charge off. Paid and settled account
10/25/2022	Yes	Debt collection Auto debt	Took or threatened to take negative or legal action Sued you without properly notifying you of lawsuit	GA 30234	Web

09/11/2022	No	Vehicle loan or lease Loan	Managing the loan or lease Loan sold or transferred to another company	OK 73734	Web

07/13/2022	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt is not yours	CT 06610	Web

03/19/2019	Yes	Debt collection I do not know	Took or threatened to take negative or legal action Sued you without properly notifying you of lawsuit	MO 63367	Web	Servicemember

03/12/2019	Yes	Debt collection Auto debt	Attempts to collect debt not owed Debt was result of identity theft	VA 23505	Web

01/24/2019	No	Debt collection I do not know	Attempts to collect debt not owed Debt is not yours	GA 30081	Web

01/08/2019	No	Debt collection Other debt	Written notification about debt Didn't receive enough information to verify debt	NY 11226	Phone

06/18/2018	No	Debt collection Other debt	Attempts to collect debt not owed Debt was paid		Phone

08/23/2017	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt is not yours	MI 48009	Phone

08/16/2017	Yes	Debt collection Credit card debt	Written notification about debt Didn't receive notice of right to dispute	CA 93306	Web

03/07/2017	Yes	Debt collection Other (i.e. phone, health club, etc.)	Disclosure verification of debt Not given enough info to verify debt	CA 91344	Web

01/30/2017	Yes	Debt collection Other (i.e. phone, health club, etc.)	Cont'd attempts collect debt not owed Debt resulted from identity theft	MD 21227	Web

10/18/2016	Yes	Debt collection Credit card	Communication tactics Threatened to take legal action	FL 33065	Web

09/21/2016	Yes	Debt collection Other (i.e. phone, health club, etc.)	Disclosure verification of debt Not given enough info to verify debt	GA 30019	Postal mail

03/16/2016	Yes	Debt collection Other (i.e. phone, health club, etc.)	Disclosure verification of debt Not given enough info to verify debt	GA 30038	Phone

01/21/2016	No	Debt collection Other (i.e. phone, health club, etc.)	Taking/threatening an illegal action Attempted to/Collected exempt funds	NY 11234	Phone

01/11/2016	Yes	Debt collection Credit card	Cont'd attempts collect debt not owed Debt was paid	KY 40503	Web

07/22/2015	Yes	Debt collection Credit card	Cont'd attempts collect debt not owed Debt is not mine	CA 91335	Web

07/13/2015	Yes	Debt collection Credit card	Disclosure verification of debt Not given enough info to verify debt	AZ 85339	Phone

04/15/2015	Yes	Debt collection Other (i.e. phone, health club, etc.)	Cont'd attempts collect debt not owed Debt is not mine	AL 35749	Postal mail

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

03/19/2015	Yes	Debt collection Other (i.e. phone, health club, etc.)	Communication tactics Frequent or repeated calls	PA 15658	Referral

03/16/2015	Yes	Debt collection Other (i.e. phone, health club, etc.)	Cont'd attempts collect debt not owed Debt is not mine	MI 48021	Web

03/08/2015	Yes	Debt collection Non-federal student loan	Disclosure verification of debt Right to dispute notice not received	IL 60445	Web

03/06/2015	Yes	Debt collection Credit card	Improper contact or sharing of info Talked to a third party about my debt	OH 45207	Web

09/25/2014	Yes	Debt collection Non-federal student loan	Disclosure verification of debt Right to dispute notice not received	IL 60445	Web

06/23/2014	Yes	Debt collection Credit card	Taking/threatening an illegal action Sued w/o proper notification of suit	CO 80012	Phone

05/30/2014	Yes	Debt collection Credit card	Cont'd attempts collect debt not owed Debt is not mine	FL 33558	Referral

04/22/2014	Yes	Debt collection Other (i.e. phone, health club, etc.)	Disclosure verification of debt Not given enough info to verify debt	NJ 07753	Web

03/13/2014	Yes	Debt collection Credit card	Cont'd attempts collect debt not owed Debt was paid	AL 35749	Web

03/12/2014	Yes	Credit card	Other	NJ 07050	Referral

02/21/2014	No	Debt collection Credit card	False statements or representation Attempted to collect wrong amount	OR 97116	Web

12/24/2013	Yes	Debt collection Credit card	Taking/threatening an illegal action Attempted to/Collected exempt funds	VA 23454	Postal mail

11/20/2013	Yes	Debt collection Credit card	Cont'd attempts collect debt not owed Debt was paid	MD 20772	Web

11/13/2013	Yes	Debt collection Credit card	Disclosure verification of debt Not given enough info to verify debt	CA 94513	Web	Servicemember