| 11/28/2020 |
Yes |
- Debt collection
- Federal student loan debt
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- Attempts to collect debt not owed
- Debt is not yours
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Web |
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XX/XX/2020 XXXX XXXX XXXX XXXX XXXX XXXX, XX/XX/XXXX XXXX Office of the President CC : Reliant Capital Solutions XXXX XXXX XXXX XXXX, XX/XX/XXXX XXXX CC : U.S. DEPARTMENT OF EDUCATION XXXX XXXX XXXX XXXX XXXX,XX/XX/XXXXXXXX AFFADAVIT OF TRUTH Dear To whom it may concern, Pursuant to Federal Law 15 U.S Code 1692g Validation of Debts, Reliant Capital Solutions & U.S Department of Education the debt collector must cease collection of any alleged debt owed until verification of the alleged debt or a copy of a judgment or the name and address of the original creditor. I am XXXX XXXX a natural person in flesh, the consumer, demanding the name and address of the original creditor of this alleged debt owed. This alleged debt is assumed to be valid, which it is not valid per my rights pursuant to Federal Law. The continuance of the debt collector Reliant Capital Solutions & U.S. Department of Education reporting this alleged debt on my alleged consumer report is a violation of my rights pursuant to Federal Law.
15 USC 1692A 803 Definitions ( 6 ) The term " debt collector '' means any person who uses any instrumentality of interstate commerce or the mails in any business the principal purpose of which is the collection of any debts, or who regularly collects or attempts to collect, directly or indirectly, debts owed or due or asserted to be owed or due another. Notwithstanding the exclusion provided by clause ( F ) of the last sentence of this paragraph, the term includes any creditor who, in the process of collecting his own debts, uses any name other than his own which would indicate that a third person is collecting or attempting to collect such debts. For the purpose of section 1692f ( 6 ) of this title, such term also includes any person who uses any instrumentality of interstate commerce or the mails in any business the principal purpose of which is the enforcement of security interests.
15 U.S Code 1692g Validation of Debts ( a ) NOTICE OF DEBT ; CONTENTS Within five days after the initial communication with a consumer in connection with the collection of any debt, a debt collector shall, unless the following information is contained in the initial communication or the consumer has paid the debt, send the consumer a written notice containing ( 1 ) the amount of the debt ; ( 2 ) the name of the creditor to whom the debt is owed ; ( 3 ) a statement that unless the consumer, within thirty days after receipt of the notice, disputes the validity of the debt, or any portion thereof, the debt will be assumed to be valid by the debt collector ; ( 4 ) a statement that if the consumer notifies the debt collector in writing within the thirty-day period that the debt, or any portion thereof, is disputed, the debt collector will obtain verification of the debt or a copy of a judgment against the consumer and a copy of such verification or judgment will be mailed to the consumer by the debt collector ; and ( 5 ) a statement that, upon the consumers written request within the thirty-day period, the debt collector will provide the consumer with the name and address of the original creditor, if different from the current creditor.
( b ) DISPUTED DEBTS If the consumer notifies the debt collector in writing within the thirty-day period described in subsection ( a ) that the debt, or any portion thereof, is disputed, or that the consumer requests the name and address of the original creditor, the debt collector shall cease collection of the debt, or any disputed portion thereof, until the debt collector obtains verification of the debt or a copy of a judgment, or the name and address of the original creditor, and a copy of such verification or judgment, or name and address of the original creditor, is mailed to the consumer by the debt collector. Collection activities and communications that do not otherwise violate this subchapter may continue during the 30-day period referred to in subsection ( a ) unless the consumer has notified the debt collector in writing that the debt, or any portion of the debt, is disputed or that the consumer requests the name and address of the original creditor. Any collection activities and communication during the 30-day period may not overshadow or be inconsistent with the disclosure of the consumers right to dispute the debt or request the name and address of the original creditor.
Pursuant to Federal Law 15 USC 1602 the term creditor refers only to a person, banks can not extend credit pursuant to Truth and Lending Act only a person. A creditor must incur something which means take liability. These acts on behalf of your company are unfair credit practices and or reporting that undermines the public trust. Banks are debt collectors.
Pursuant to Federal Law 15 USC 1602 the term bureau refers to only the Bureau of Consumer Financial Protection. It is a willful noncompliance and violation of my federal rights of privacy as a consumer to share personal information to 3rd party organizations such as XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX without my written consent.
15 U.S. Code 1602 - Definitions and rules of construction ( a ) The definitions and rules of construction set forth in this section are applicable for the purposes of this subchapter.
( b ) BUREAU.
The term Bureau means the Bureau of Consumer Financial Protection.
( c ) The term Board refers to the Board of Governors of the Federal Reserve System.
( d ) The term organization means a corporation, government or governmental subdivision or agency, trust, estate, partnership, cooperative, or association.
( e ) The term person means a natural person or an organization.
( f ) The term credit means the right granted by a creditor to a debtor to defer payment of debt or to incur debt and defer its payment.
( g ) The term creditor refers only to a person who both ( 1 ) regularly extends, whether in connection with loans, sales of property or services, or otherwise, consumer credit which is payable by agreement in more than four installments or for which the payment of a finance charge is or may be required, and ( 2 ) is the person to whom the debt arising from the consumer credit transaction is initially payable on the face of the evidence of indebtedness or, if there is no such evidence of indebtedness, by agreement. Notwithstanding the preceding sentence, in the case of an open-end credit plan involving a credit card, the card issuer and any person who honors the credit card and offers a discount which is a finance charge are creditors. For the purpose of the requirements imposed under part D of this subchapter and sections 1637 ( a ) ( 5 ), 1637 ( a ) ( 6 ), 1637 ( a ) ( 7 ), 1637 ( b ) ( 1 ), 1637 ( b ) ( 2 ), 1637 ( b ) ( 3 ), 1637 ( b ) ( 8 ), and 1637 ( b ) ( 10 ) of this title, the term creditor shall also include card issuers whether or not the amount due is payable by agreement in more than four installments or the payment of a finance charge is or may be required, and the Bureau shall, by regulation, apply these requirements to such card issuers, to the extent appropriate, even though the requirements are by their terms applicable only to creditors offering open-end credit plans. Any person who originates 2 or more mortgages referred to in subsection ( aa ) in any 12-month period or any person who originates 1 or more such mortgages through a mortgage broker shall be considered to be a creditor for purposes of this subchapter. The term creditor includes a private educational lender ( as that term is defined in section 1650 of this title ) for purposes of this subchapter.
( h ) The term credit sale refers to any sale in which the seller is a creditor. The term includes any contract in the form of a bailment or lease if the bailee or lessee contracts to pay as compensation for use a sum substantially equivalent to or in excess of the aggregate value of the property and services involved and it is agreed that the bailee or lessee will become, or for no other or a nominal consideration has the option to become, the owner of the property upon full compliance with his obligations under the contract.
( i ) The adjective consumer, used with reference to a credit transaction, characterizes the transaction as one in which the party to whom credit is offered or extended is a natural person, and the money, property, or services which are the subject of the transaction are primarily for personal, family, or household purposes.
( j ) The terms open end credit plan and open end consumer credit plan mean a plan under which the creditor reasonably contemplates repeated transactions, which prescribes the terms of such transactions, and which provides for a finance charge which may be computed from time to time on the outstanding unpaid balance. A credit plan or open end consumer credit plan which is an open end credit plan or open end consumer credit plan within the meaning of the preceding sentence is an open end credit plan or open end consumer credit plan even if credit information is verified from time to time.
( k ) The term adequate notice, as used in section 1643 of this title, means a printed notice to a cardholder which sets forth the pertinent facts clearly and conspicuously so that a person against whom it is to operate could reasonably be expected to have noticed it and understood its meaning. Such notice may be given to a cardholder by printing the notice on any credit card, or on each periodic statement of account, issued to the cardholder, or by any other means reasonably assuring the receipt thereof by the cardholder.
( l ) The term credit card means any card, plate, coupon book or other credit device existing for the purpose of obtaining money, property, labor, or services on credit.
( m ) The term accepted credit card means any credit card which the cardholder has requested and received or has signed or has used, or authorized another to use, for the purpose of obtaining money, property, labor, or services on credit.
( n ) The term cardholder means any person to whom a credit card is issued or any person who has agreed with the card issuer to pay obligations arising from the issuance of a credit card to another person.
( o ) The term card issuer means any person who issues a credit card, or the agent of such person with respect to such card.
A national bank has no power to lend its credit to any person or corporation.
... Bowen v. Needles Nat. Bank, 94 F 925 36 CCA 553, certiorari denied in 20 S.Ct 1024, 176 US 682, 44 LED 637.
There is no doubt but what the law is that a national bank can not lend its credit or become an accommodation endorser. National Bank of Commerce v. Atkinson, 55 E 471.
Pursuant to Federal 15 USC 1681i any and all inaccurate or unverifiable information must be promptly deleted from the consumer file. I have contacted XXXX, XXXX, and XXXX in reference to the inaccurate information and these organizations continue to violate my Federal Rights willfully.
Pursuant to Federal Law USC 1681s-2 ( b ) provides a private remedy to injured consumers. Thus, a consumer can sue a company for furnishing inaccurate and/or incomplete information. In this case, the furnisher allegedly failed to take prompt and appropriate corrective action once it was notified that it had reported inaccurate information.
TXXXX XXXX XXXX, Plaintiff-Appellant, v. XXXX XXXX XXXX XXXX, Defendant-XXXX XXXX v. XXXX XXXX XXXX., 101 F.3d 957, 962 ( 3d Cir.1996 ) ( quoting 15 U.S.C. 1681 ( b ) and XXXX v. XXXX XXXX Credit Information Co., 45 F.3d 1329, 1333 ( 9th Cir.1995 ) ) ( citations omitted ).
Title 15 U.S.C. 1681i ( a ) provides in relevant part : If the completeness or accuracy of any item of information contained in [ her ] file is disputed by a consumer, and such dispute is directly conveyed to the consumer reporting agency by the consumer, the consumer reporting agency shall within a reasonable period of time reinvestigate and record the current status of that information unless it has reasonable grounds to believe that the dispute by the consumer is frivolous or irrelevant. If after such reinvestigation such information is found to be inaccurate or can no longer be verified, the consumer reporting agency shall promptly delete such information.
Sections 1681n and 1681o of Title 15 respectively provide private rights of action for willful and negligent noncompliance with any duty imposed by the FCRA and allow recovery for actual damages and attorneys ' fees and costs, as well as punitive damages in the case of willful noncompliance. 1 Pursuant to Federal Law USC 1681 A, a consumer report does not include any authorization or approval of an extension of credit or any communication among persons affiliated by corporate control. The alleged debt owed that the debt collector Reliant Capital Solutions & U.S. Department of Education is reporting on my alleged consumer report is a blatant violation of my rights pursuant to Federal Law.
15 USC 1681a Definitions ; rules of construction Definitions and rules of construction set forth in this section are applicable for the purposes of this subchapter.
( b ) The term person means any individual, partnership, corporation, trust, estate, cooperative, association, government or governmental subdivision or agency, or other entity.
( c ) The term consumer means an individual.
( d ) CONSUMER REPORT.
( 1 ) IN GENERAL.The term consumer report means any written, oral, or other communication of any information by a consumer reporting agency bearing on a consumers credit worthiness, credit standing, credit capacity, character, general reputation, personal characteristics, or mode of living which is used or expected to be used or collected in whole or in part for the purpose of serving as a factor in establishing the consumers eligibility for ( A ) credit or insurance to be used primarily for personal, family, or household purposes ; ( B ) employment purposes ; or ( C ) any other purpose authorized under section 1681b of this title. ( 2 ) EXCLUSIONS.Except as provided in paragraph ( 3 ), the term consumer report does not include ( A ) subject to section 1681s3 of this title, any ( i ) report containing information solely as to transactions or experiences between the consumer and the person making the report ; ( ii ) communication of
that information among persons related by common ownership or affiliated by corporate control ; or ( iii ) communication of other information among persons related by common ownership or affiliated by corporate control, if it is clearly and conspicuously disclosed to the consumer that the information may be communicated among such persons and the consumer is given the opportunity, before the time that the information is initially communicated, to direct that such information not be communicated among such persons ; ( B ) any authorization or approval of a specific extension of credit directly or indirectly by the issuer of a credit card or similar device ; ( C ) any report in which a person who has been requested by a third party to make a specific extension of credit directly or indirectly to a consumer conveys his or her decision with respect to such request, if the third party advises the consumer of the name and address of the person to whom the request was made, and such person makes the disclosures to the consumer required under section 1681m of this title ; Pursuant to Federal Law 15 USC 1681 B My personal information is not to be furnished on any consumer report or with anyone without my written instruction. This is a willful violation of my Federal Rights as a consumer.
15 U.S. Code 1681b - Permissible purposes of consumer reports ( a ) IN GENERALSubject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the written instructions of the consumer to whom it relates.
Pursuant to Federal Law 15 USC 1692 C, the debt collector Reliant Capital Solutions & U.S. Department of Education must cease collection, and communication of in reference to the alleged debt owed that I am refusing to pay. This inaccurate collection is an inconvenience to me and my future as a consumer. Sharing my personal address with other organizations to furnish on a consumer report without my permission willfully is a violation. Reliant Capital Solutions & U.S. Department of Education has violated my rights pursuant to Federal Law by communicating with a third party about an alleged debt owed.
15 USC 1692 Communication in connection with debt collection ( a ) COMMUNICATION WITH THE CONSUMER GENERALLYWithout the prior consent of the consumer given directly to the debt collector or the express permission of a court of competent jurisdiction, a debt collector may not communicate with a consumer in connection with the collection of any debt ( 1 ) at any unusual time or place or a time or place known or which should be known to be inconvenient to the consumer. In the absence of knowledge of circumstances to the contrary, a debt collector shall assume that the convenient time for communicating with a consumer is after XX/XX/XXXX oclock antemeridian and before XX/XX/XXXX oclock postmeridian, local time at the consumers location ; ( 2 ) if the debt collector knows the consumer is represented by an attorney with respect to such debt and has knowledge of, or can readily ascertain, such attorneys name and address, unless the attorney fails to respond within a reasonable period of time to a communication from the debt collector or unless the attorney consents to direct communication with the consumer ; or ( 3 ) at the consumers place of employment if the debt collector knows or has reason to know that the consumers employer prohibits the consumer from receiving such communication.
( b ) COMMUNICATION WITH THIRD PARTIES Except as provided in section 1692b of this title, without the prior consent of the consumer given directly to the debt collector, or the express permission of a court of competent jurisdiction, or as reasonably necessary to effectuate a post judgment judicial remedy, a debt collector may not communicate, in connection with the collection of any debt, with any person other than the consumer, his attorney, a consumer reporting agency if otherwise permitted by law, the creditor, the attorney of the creditor, or the attorney of the debt collector.
( c ) CEASING COMMUNICATION If a consumer notifies a debt collector in writing that the consumer refuses to pay a debt or that the consumer wishes the debt collector to cease further communication with the consumer, the debt collector shall not communicate further with the consumer with respect to such debt, except ( 1 ) to advise the consumer that the debt collectors further efforts are being terminated ; ( 2 ) to notify the consumer that the debt collector or creditor may invoke specified remedies which are ordinarily invoked by such debt collector or creditor ; or ( 3 ) where applicable, to notify the consumer that the debt collector or creditor intends to invoke a specified remedy.
If such notice from the consumer is made by mail, notification shall be complete upon receipt.
15 USC 1692b 804. Acquisition of location information Acquisition of location information Any debt collector communicating with any person other than the consumer for the purpose of acquiring location information about the consumer shall ( 1 )
identify himself, state that he is confirming or correcting location information concerning the consumer, and, only if expressly requested, identify his employer ; ( 2 ) not state that such consumer owes any debt ; ( 3 ) not communicate with any such person more than once unless requested to do so by such person or unless the debt collector reasonably believes that the earlier response of such person is erroneous or incomplete and that such person now has correct or complete location information ; ( 4 ) not communicate by post card ; ( 5 ) not use any language or symbol on any envelope or in the contents of any communication effected by the mails or telegram that indicates that the debt collector is in the debt collection business or that the communication relates to the collection of a debt ; and ( 6 ) after the debt collector knows the consumer is represented by an attorney with regard to the subject debt and has knowledge of, or can readily ascertain, such attorneys name and address, not communicate with any person other than that attorney, unless the attorney fails to respond within a reasonable period of time to communication from the debt collector Pursuant to 15 USC 1692E ( 11 ) Reliant Capital Solutions & U.S. Department of Education initial communication with a consumer must be disclosed that they are a debt collector and there is an attempt to collect a debt. I the consumer have not received disclosure written or oral stating that Reliant Capital Solutions & U.S. Department of Education had the intent to collect a debt or that they are debt collectors. This is a willful violation of FEDERAL LAW and my rights as a consumer. This alleged debt is now null and void. A debt collector may not use any false, deceptive or misleading representation or means in connection with the collection of any debt. Without limiting the general application of the foregoing, the following conduct is a violation of this section.
15 USC 1692E False or Misleading Representations ( 11 ) The failure to disclose in the initial written communication with the consumer and, in addition, if the initial communication with the consumer is oral, in that initial oral communication, that the debt collector is attempting to collect a debt and that any information obtained will be used for that purpose, and the failure to disclose in subsequent communications that the communication is from a debt collector, except that this paragraph shall not apply to a formal pleading made in connection with a legal action.
Pursuant to 15 USC 1692E ( 3 ) Any communication from an attorney on behalf of Reliant Capital Solutions & U.S. Department of Education is a violation of FEDERAL LAW. The letter sent to me from XXXX XXXX is signed by a legal assistant. As a consumer this is willful violation of my rights pursuant to FEDERAL LAW.
15 USC 1692E ( 3 ) The false representation or implication that any individual is an attorney or that any communication is from an attorney.
Pursuant to Federal Law 15 USC 1681 ( n ) ( a ) I am invoking specified remedy as a consumer. I am demanding monetary relief of {$100000.00} for damages, defamation of character, violation of privacy, my rights as a consumer and the erroneous reports that hurt my credit worthiness as well as raised the cost of credit. I am also demanding any balance for any alleged debt owed reported on my alleged consumer report to be zeroed out and report as paid in full.
15 U.S. Code 1692g - Validation of debts ( c ) ADMISSION OF LIABILITY The failure of a consumer to dispute the validity of a debt under this section may not be construed by any court as an admission of liability by the consumer.
15 U.S. Code 1692h.Multiple debts If any consumer owes multiple debts and makes any single payment to any debt collector with respect to such debts, such debt collector may not apply such payment to any debt which is disputed by the consumer and, where applicable, shall apply such payment in accordance with the consumers directions.
15 USC 1681 ( n ) ( a ) any person who willfully fails to comply with any requirement under this subchapter with respect to any consumer is liable to that consumer in an amount equal to the sum of damages sustained by me the consumer of {$1000.00} per violation.
I certify under penalty of perjury that the foregoing is true and correct.
Respectfully, XXXX XXXX
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| 01/16/2020 |
Yes |
- Student loan
- Federal student loan servicing
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- Dealing with your lender or servicer
- Received bad information about your loan
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Web |
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I am making a formal complaint against Reliant Capital Solutions , LLC and XXXX.
I am being treated unfairly. The gross disservice placed against my right to due process is devastating. These unreasonable actions imposed on my life have thrust me into a continuous cycle of upheaval and chaos all based upon a fraudulent student loan which I have been disputing for the past 14 years. I did not go to the XXXX XXXX XXXX XXXX XXXX in New York.
I never requested a loan from or attended, the XXXX XXXX XXXX XXXX XXXX in New York. The school is closed and I have no way of contacting them. Once I became aware of the claim ( XX/XX/XXXX ), in good faith, I have provided documents and communicated with XXXX on numerous occasions as well as, each of the collection agencies assigned to the file with the goal of this erroneous loan to be discharged.
My paycheck once again is being garnished. To continuously have a significant portion of my wages and tax refunds snatched due to a loan I did not request or utilize, continues to be a traumatic experience.
I was deprived of my right to request a hearing to appeal the garnishment. I never received a 30-day warning from the collection agency currently handling the loan in question. I was not notified by the agency before the garnishing of wages began. The first written correspondence received directly from Reliant Capital Solutions , LLC was dated XX/XX/XXXXwell after the garnishment began.
On or around XXXX XXXX XXXX, I aggressively contacted XXXX and was referred to a collection agency -- Reliant Capital Solutions , LLC at XXXX when I was informed by my employer ( via email ) that an offset would start with Fridays check ( 3-days later ).
Upon speaking with XXXX and the collection agency, I provided them with my current address because they did not have the correct address on file. I was adamant about disputing the actions against me.
To date, my numerous requests that the assigned agencies provide burden of proof has not been satisfied. No Collection agency has successfully produced the proper paperwork proving that I am the true owner of the debt.
There have been inconsistencies when it comes to the loan account number, principal loan amounts discrepancies, wrong addresses, and timelines that do not coincide with the events referencing the location of the school, meeting the guidelines and qualifications to receive the loan.
The promissory note reflects a loan which was granted by XXXX ( New York State ), c/o of XXXX XXXX XXXX XXXX in XXXX, CA, in XXXX and the name and location of the School who received payment in which I never applied to and did not attend is XXXX XXXX XXXX XXXX XXXX in the State of New York. The printed name on the document is not my name. The signature could pass but I DID NOT SIGN the document for a loan to attend the XXXX XXXX XXXX XXXX XXXX. I would not misspell my name on any document. The paperwork is a result of forgery.
In pursuit of exoneration from this fraudulent student loan, I contacted the agency and requested they provide me paperwork in support of their claim. Instead of supporting documents, I received on XX/XX/XXXX, a Rate Increase letter. I contacted the agency and they informed me that it would take up to 90 days for me to receive the information I requested.
On XX/XX/XXXX, instead of supporting documents, I received from the agency an Assignment to a Collection Agency letter. Please keep in mind that I had not received any written supporting documentation. The only consistent numbers on all three letters are located on the top right corner under a barcode.
In contacting XXXX I was referred to XXXX XXXX XXXX XXXX located in XXXX, AZ-the newly assigned collection agency. I contacted the agency at ( XXXX ) XXXX and informed them that I did NOT attend a school in New York and requested that they provide me with written proof in support of the claim. The agency was rude and continue to give me the runaround while harassing me all the while.
I submitted a dispute letter via fax written on my behalf from Attorney XXXX XXXX dated XX/XX/XXXX, in support of my claim of False Certification.
On XX/XX/XXXX, I faxed to Post Default in support of my dispute and per the request of XXXX, copies of my G.E.D, drivers license, social security card, and samples of my signatures.
Also submitted was a work printout from the Social Security office dated XX/XX/XXXX. Please note, I never lived or worked in New York, Michigan, Virginia or Florida states, however, I noticed that the corporate addresses of the Temporary Employment Agencies for XXXX XXXX XXXX , XXXX, ( New York ) XXXX XXXX , XXXX ( Michigan ) XXXX XXXX XXXX ( Virginia ) and XXXX XXXX , XXXX. ( Florida ) are located in those states. The report supports the fact that someone other than myself located in New York, probably in HR or Accounting Departments had access to my personal information and stole my identity.
In anticipation of a positive decision of discharge, instead, I received another Treasury Offset Notification on XX/XX/XXXX. Regardless of my efforts and numerous disputes.
Once again I filed a dispute and also submitted a copy of an XXXX Credit Report as of XX/XX/XXXX. Within the credit report, I highlighted multiple discrepancies which included, proof of identity thief. The report included names that were close to mine but were not mine. Addresses in cities and states in which I never lived. And social security numbers that were not assigned to me and were not mine. Regardless of the advanced technology to help prevent identity thief today, I still find myself receiving emails informing me that my identity has been compromised due to corporations having their data breached. I remain in continued dispute by requesting the reporting agencies to remove the incorrect data from my reports.
Please note, I received a copy of the alleged Promissory Note only after I submitted detailed information certified US mail XX/XX/XXXX, to XXXX to include samples of my signature, a copy of my drivers license along with a letter disputing the loan.
I did not have a high school diploma or G.E.D. during the timeframe the paperwork reflects that I allegedly went to the school. According to the eligibility guidelines ; The school had the responsibility to make sure all students could benefit from the educational program, and therefore, If I had indeed applied, they would have given me an ability to benefit exam.
To date, no proof has been presented to confirm that the exam was administered nor have I received proof that the school used an approved exam or followed proper protocol regarding a student without a high school diploma or G.E.D. qualifying for the student loan.
If I had taken out the loan and attended the XXXX XXXX XXXX XXXX XXXX in New York, wouldn't I have received a certification of some sort within the field of XXXX from the school? You would think that I would have at least worked in some capacity in the field of XXXX? But I do not have a certification from that school and I have never worked in the field of XXXX.
The garnishment actions imposed unfairly upon my earnings have caused an undue financial and emotional hardship and is now beginning to impact me physically at this point as well. In XXXX, I have experienced divorce, and displacement where I was forced to move from my home and had to downsize to an apartment.
Since this last garnishment/offset for a loan that I did NOT take advantage of, I can barely afford to pay my rent, health insurance co-pays or buy my medicine. As I am writing this complaint, I am forced to move again on XX/XX/XXXX, because I can not afford to maintain my essentials like shelter, food, etc. In anticipation of the moving costs, security deposits, rental insurance and fees within the next two weeks. I need every penny of my earnings and then some to avoid being homeless.
Today, XX/XX/XXXX, I followed up with Reliant Capital Solutions via telephone, to ask them and XXXX to suspend the garnishment until I receive a fair hearing. I also informed them that I had uploaded three different False Certification forms, a written statement and multiple documents in support of my dispute of the loan. But the collection agency insisted on me making payment arrangements on a loan I did not receive. I was told that I would not qualify for the garnishment suspension unless I made payment arrangements and redirected back to XXXX. Reliant successfully discouraged me by suggesting that it could take months for XXXX to even review the appeal, stop the garnishment and/or be considered for the loan to be completely discharged.
In retrospect, had I taken out the loan, I would have never allowed the principle and interest to escalate to {$14000.00}. It would not make sense for me to have suffered and allowed years of numerous garnishments/offsets, harassment, and embarrassment. I would have paid back the loan by noweven if I had to make payment arrangements in support of my budget. But I did not go to the XXXX XXXX XXXX XXXX XXXX in New York.
I have nothing left in me to fight. This ordeal has caused me to be exhausted and sick to my stomach. I can not afford to wait months ; I need this error corrected as soon as possible. This situation is ruing my life!
Respectfully,
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| 09/04/2023 |
Yes |
- Debt collection
- Credit card debt
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- Attempts to collect debt not owed
- Debt is not yours
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Web |
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This company has violated my consumer rights and has defamed my character by attempting to collect an alleged debt and reporting it to consumer reporting agencies. The following are the federal laws that they broke.
XXXX. TRANSFER OF INSTRUMENT ; RIGHTS ACQUIRED BY TRANSFER.
Primary tabs ( a ) An instrument is transferred when it is delivered by a person other than its issuer for the purpose of giving to the person receiving delivery the right to enforce the instrument.
( b ) Transfer of an instrument, whether or not the transfer is a negotiation, vests in the transferee any right of the transferor to enforce the instrument, including any right as a holder in due course, but the transferee can not acquire rights of a holder in due course by a transfer, directly or indirectly, from a holder in due course if the transferee engaged in fraud or illegality affecting the instrument.
( c ) Unless otherwise agreed, if an instrument is transferred for value and the transferee does not become a holder because of lack of indorsement by the transferor, the transferee has a specifically enforceable right to the unqualified indorsement of the transferor, but negotiation of the instrument does not occur until the indorsement is made.
( d ) If a transferor purports to transfer less than the entire instrument, negotiation of the instrument does not occur. The transferee obtains no rights under this Article and has only the rights of a partial assignee 1006.34 Notice for validation of debts.
( c ) Validation information. Pursuant to paragraph ( a ) ( 1 ) of this section, a debt collector must provide the following validation information.
( 1 ) Debt collector communication disclosure. The statement required by 1006.18 ( e ).
( 2 ) Information about the debt. Except as provided in paragraph ( c ) ( 5 ) of this section : ( i ) The debt collector 's name and the mailing address at which the debt collector accepts disputes and requests for original-creditor information.
( ii ) The consumer 's name and mailing address.
( iii ) If the debt collector is collecting a debt related to a consumer financial product or service as defined in 1006.2 ( f ), the name of the creditor to whom the debt was owed on the itemization date.
( iv ) The account number, if any, associated with the debt on the itemization date, or a truncated version of that number.
( v ) The name of the creditor to whom the debt currently is owed.
( vi ) The itemization date.
( vii ) The amount of the debt on the itemization date.
( viii ) An itemization of the current amount of the debt reflecting interest, fees, payments, and credits since the itemization date. A debt collector may disclose the itemization on a separate page provided in the same communication with a validation notice, if the debt collector includes on the validation notice, where the itemization would have appeared, a statement referring to that separate page.
( ix ) The current amount of the debt.
1006.14 Harassing, oppressive, or abusive conduct.
( a ) In general. A debt collector must not engage in any conduct the natural consequence of which is to harass, oppress, or abuse any person in connection with the collection of a debt, including, but not limited to, the conduct described in paragraphs ( b ) through ( h ) of this section.
( b ) Repeated or continuous telephone calls or telephone conversations ( 1 ) In general. In connection with the collection of a debt, a debt collector must not place telephone calls or engage any person in telephone conversation repeatedly or continuously with intent to annoy, abuse, or harass any person at the called number.
1006.18 False, deceptive, or misleading representations or means.
( a ) In general. A debt collector must not use any false, deceptive, or misleading representation or means in connection with the collection of any debt, including, but not limited to, the conduct described in paragraphs ( b ) through ( d ) of this section.
( b ) False, deceptive, or misleading representations.
( 1 ) A debt collector must not falsely represent or imply that : ( i ) The debt collector is vouched for, bonded by, or affiliated with the United States or any State, including through the use of any badge, uniform, or facsimile thereof.
( ii ) The debt collector operates or is employed by a consumer reporting agency, as defined by section 603 ( f ) of the Fair Credit Reporting Act ( 15 U.S.C. 1681a ( f ) ).
( iii ) Any individual is an attorney or that any communication is from an attorney.
( iv ) The consumer committed any crime or other conduct in order to disgrace the consumer.
( v ) A sale, referral, or other transfer of any interest in a debt causes or will cause the consumer to : ( A ) Lose any claim or defense to payment of the debt ; or ( B ) Become subject to any practice prohibited by this part.
( vi ) Accounts have been turned over to innocent purchasers for value.
( vii ) Documents are legal process.
( viii ) Documents are not legal process forms or do not require action by the consumer.
( 2 ) A debt collector must not falsely represent : ( i ) The character, amount, or legal status of any debt.
( ii ) Any services rendered, or compensation that may be lawfully received, by any debt collector for the collection of a debt.
1006.22 Unfair or unconscionable means.
( a ) In general. A debt collector must not use unfair or unconscionable means to collect or attempt to collect any debt, including, but not limited to, the conduct described in paragraphs ( b ) through ( f ) of this section.
( b ) Collection of unauthorized amounts. A debt collector must not collect any amount unless such amount is expressly authorized by the agreement creating the debt or permitted by law. For purposes of this paragraph, the term any amount includes any interest, fee, charge, or expense incidental to the principal obligation.
1006.30 Other prohibited practices.
( a ) Required actions prior to furnishing information ( 1 ) In general. Except as provided in paragraph ( a ) ( 2 ) of this section, a debt collector must not furnish to a consumer reporting agency, as defined in section 603 ( f ) of the Fair Credit Reporting Act ( 15 U.S.C. 1681a ( f ) ), information about a debt before the debt collector : ( i ) Speaks to the consumer about the debt in person or by telephone ; or ( ii ) Places a letter in the mail or sends an electronic message to the consumer about the debt and waits a reasonable period of time to receive a notice of undeliverability. During the reasonable period, the debt collector must permit receipt of, and monitor for, notifications of undeliverability from communications providers. If the debt collector receives such a notification during the reasonable period, the debt collector must not furnish information about the debt to a consumer reporting agency until the debt collector otherwise satisfies this paragraph ( a ) ( 1 ).
15 U.S. Code 1681s2 - Responsibilities of furnishers of information to consumer reporting agencies ( a ) Duty of furnishers of information to provide accurate information ( 1 ) Prohibition ( A ) Reporting information with actual knowledge of errors A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
( B ) Reporting information after notice and confirmation of errors A person shall not furnish information relating to a consumer to any consumer reporting agency if ( i ) the person has been notified by the consumer, at the address specified by the person for such notices, that specific information is inaccurate; and ( ii ) the information is, in fact, inaccurate.
5 U.S. Code 552a - Records maintained on individuals
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| 10/04/2021 |
Yes |
- Debt collection
- Other debt
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- Attempts to collect debt not owed
- Debt was result of identity theft
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Web |
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Attentively review my formal writ composed declaration of not proven complaint misinformation that is all or in part : deficient of the adequate current status in the fullness of TRUTH, ACCURACY, COMPLETENESS, TIMELINESS, documented OWNERSHIP, certifiable RESPONSIBILITY, or otherwise irrefutable, complaint obligatory, and regulatory requisite reporting thereby mandating your immediate actions to rectify and remedy and any infractions behavior ( s ) by retaining or returning to demonstrate TRUE, CORRECT, COMPLETE, and COMPLAINT METRO 2 data field formatted reporting!!! I am a victim of identity- theft, I am writing to request that you block all accounts disputed as fraudulent on my credit reports with XXXX XXXX XXXX XXXX and XXXX. This information does not relate to any transactions I have made. I did not give anyone authorization or consent to use my personal information. I hereby exercise my legal rights enacted by Congress and The Federal Trade Commission, which explicitly states when a victim of identity-theft dispute a fraudulent account on his/her credit report it shall be honored by all credit bureaus and all fraudulent information should be blocked within 4 days and proper notification shall be given to all data furnishers pursuant to section 605b of The Federal Fair Credit Reporting Act. Failure to comply shall lead to complaints being filed with The Better Business Bureau, Consumer Financial Protection Bureau, and Attorney General stating your companys unlawful collection practices, misrepresentation of creditworthiness, defamation of character, and noncompliance to abide by laws enacted by Congress to protect victims of identity-theft who's credit been impacted by acts of fraud. Because I know my rights under THE FAIR CREDIT REPORTING ACT, CONSUMER CREDIT PROTECTION ACT ( CCPA ), and FAIR and ACCURATE CREDIT TRANSACTION ACT of 2003 ( FACTA ). I will be taking action. I also know my rights under this paragraph of Section 312 of the FACTA LAW : SEC.312. Procedures to enhance the accuracy and integrity of information furnished to consumer reporting agencies. ( b ) duty of furnishers to provide accurate information. -- Section 623 ( a ) ( 1 ) of THE FAIR CREDIT REPORTING ACT ( 15 U.S.C . 1681s-2 ( a ) ( 1 ) is amended ( 1 ) in subparagraph ( A ), by striking " knows or consciously avoids knowing the information is inaccurate '' and inserting " knows or has reasonable cause to believe that the information is inaccurate '', and ( 2 ) by adding at the end of the following : ( D ) DEFINITION -- For purposes of subparagraph ( A ), the term 'reasonable cause to believe that the information is inaccurate ' means having specific knowledge, other than solely allegations by the consumer, that would cause a reasonable person to have substantial doubts about the accuracy of information. Policy states. According to the Fair Credit Reporting Act FCRA 611 ( 15 U.S.C 1681 ), Procedure In Case of Disputed Accuracy. ( a ) Reinvestigation ( 1 ) Reinvestigation ( a ) In general. Subject to Subsection ( f ), if the completeness or accuracy of any item of information contained in a consumers file at a consumer agency is disputed by the consumer and the consumer notifies the agency directly, or indirectly through a reseller, of such dispute, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller. Therefore, my position is being clearly stated, these accounts do not belong to me, meaning that you are reporting inaccurate account information within my credit file. The fact that these are inaccurate account information means that you, this credit-reporting agency, are reporting incorrect accounts.
1. RELIANT CAP bal. {$6400.00} I am well aware of my rights as a consumer. The Fair Credit Reporting Act requires that you, the credit-reporting agency report accurate and/or correct account information within my credit file. My credit issues are very specific, these accounts and/or items do not belong to me. This means that you are reporting incorrect account information within my credit report. It is this in mind that I request that these listed accounts and items be Blocked and Deleted. According to the Fair Credit Reporting Act FCRA, Section 1681c ( 2 ) Block of information resulting from identity theft. 1.Block. Except as otherwise provided in this section, a consumer reporting shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from alleged identity theft, not later than four ( 4 ) business days after the date receipt by such agency of 1. Appropriate proof of identity of the consumer ; 2. A copy of an identity theft report 3. The identification of such information by the consumer ; and 4. A statement by the consumer that the information relating to the transaction by the consumer. I have provided all of the above listed four ( 4 ) items within this package. Therefore, I expect these listed accounts to be deleted and blocked within ( 4 ) business days. This is clearly an identity theft issue. I am also entitled to receive a free copy of my credit report, so I am requesting a free credit report and that all of these accounts, public records items, and inquiries be permanently blocked and deleted. Enclosures : Identity Theft Report Proof of Identity Copy of Account Statement showing Fraudulent Items FTC Notice to Furnishers CC : Consumer Financial Protection Bureau XXXX XXXX XXXX XXXX XXXX, Iowa XXXX
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| 06/04/2019 |
Yes |
- Student loan
- Federal student loan servicing
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- Struggling to repay your loan
- Can't get other flexible options for repaying your loan
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Web |
Servicemember |
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Reliant Capital Solution. Account number XXXX This is the Debt collector Point of Contact XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX XXXX U.S. Department of Education XXXX XXXX XXXX XXXX , TX XXXX XXXX XXXX This is the Server who change my deferment date to XX/XX/XXXX Send letters and correspondence to : XXXX XXXX XXXX. XXXX XXXX XXXX, PA XXXX Send Credit Disputes to : XXXX XXXX XXXX XXXX. XXXX XXXX XXXX, PA XXXX XXXX My current service provider.
They have consolidated my loans XXXX. XXXX XXXX XXXX, XXXX XXXX Fax : XXXX XXXX Thank you and I greatly appreciate your assistance concerning this matter. I truly regret being in this situation and I am hoping to resolve this issue as soon as possible.
I was under the impression that my deferment date would conclude XX/XX/XXXX I have written correspondence from XXXX XXXX XXXX that shows my deferment would conclude XX/XX/XXXX My XXXX XXXX XXXX account was in General Forbearance from XX/XX/XXXX through XX/XX/XXXX with repayment starting XX/XX/XXXX As of XX/XX/XXXX our records indicate the account is current and not in a delinquent or default status.
My name is XXXX XXXX, and I live in XXXX XXXX Alabama. I am trying to resolve an emergency issue. I have a student loan issue with the U.S Department of Education, XXXX XXXX XXXX, and XXXX XXXX XXXX. As a Military Veteran and a XXXX XXXX worker, I know I qualify for a Public Service Loan Forgiveness program. I am currently in the program with XXXX, they are my service provider. Because of an error of some sort, XXXX XXXX XXXX sent SOME of my federal student loans to the XXXX XXXX XXXX and flagged them as delinquent account. I have email correspondence ( I will attach with this email ) from XXXX XXXX XXXX dated XX/XX/XXXX that CLEARLY show, when I attended XXXX XXXX at XXXX University ; the school notified XXXX XXXX XXXX that I was a student and I was NOT delinquently. I was currently enrolled in school as a XXXX XXXX student. Also, in the notification, it states that my U.S. Department of Education and XXXX XXXX XXXX Deferment date began XX/XX/XXXX and the end date is XX/XX/XXXX. I graduated from the University of University of XXXX XX/XX/XXXX and a prior deferment date of XX/XX/XXXX. Because of my current school enrollment at the time, my deferment date started over and it changed my end date XX/XX/XXXX per an official letter from XXXX XXXX. Up to this point my student loans were not delinquent or in default. I did NOT receive any letters and or telephone calls stating that my loans were in default. I requested and I asked for all of students loans be placed in a repayment plan month before my end date of XX/XX/XXXX. I am an honorable man, I tried to do the right thing and request a payment plan to start paying back my student loans. I have written and email correspondence to verify correspondence from anyone. I want XXXX XXXX XXXX, the Department of Education and the XXXX XXXX XXXX to honor my deferment date for XX/XX/XXXX. I would like my student loans to be taken out of collection and put in good standings so I can have all my loans consolidated and put in public loans service forgiveness program that I am currently in with XXXX. I requested ALL my student loans to be consolidated. I was assured that ALL OF MY student loans were consolidated, but as of Friday XX/XX/XXXX, I was made aware that I owe student loans, my whole income tax refund was taken. I waited almost two weeks to get it and the whole refund was taken away. I have proof from the Department of Education that my repayment date was XX/XX/XXXX. I have a daughter in XXXX and XXXX daughter in the XXXX XXXX in XXXX and XXXX children in XXXX XXXX XXXX. I was looking forward to sending my daughter to the XXXX XXXX program this summer through the XXXX XXXX XXXX XXXX XXXX. ( official invention letter is attached to this email ) My daughter was invited to represent XXXX XXXX XXXX XXXX with this program. This is a great honor for her and we are so proud of her. She is very excited to attend this program, but now we dont have the money to send her. As a father, I want to be able to send her for her grades and hard work in school. I also would like the, U.S Department of Education, XXXX XXXX I want to s Services, and XXXX XXXX XXXX to send my updated information to ALL THREE MAJOR credit bureaus removing ALL NEGATIVE information dating back to XX/XX/XXXXOFF my credit report. This fraudulent and wrong information is destroying my credit rating. I did the honorable thing in trying put my student loans in a repayment plan MONTHS BEFORE IT WAS DUE. I was NOT aware that ALL of my student loans were NOT in repayment. I am in desperate NEED of your help and support. I am forward this letter to my other state reps as well. I can provide proof on request. I look forward to hearing from you soon.
I also attached is a cease and assist letter from my Attorney to the Debt Collector. Attached is my deferment letter.
Thank you, XXXX XXXX
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| 03/16/2021 |
Yes |
- Debt collection
- Federal student loan debt
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- Communication tactics
- Used obscene, profane, or other abusive language
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Web |
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My federal student loans are in default and I've tried to get them out of default but every time I call Reliant Capital Solutions LLC, I get different information from different people.
When I call, they do not tell me all the options available ( payment arrangements, rehabilitation process, consolidation ), and when I ask about them, different people tell me different limited and disjointed information about the process and merely attempt to threaten me into paying the full amount including the fees. When I ask about these options, they are very curt in providing the most limited information possible about alternative options and merely keep repeating my full balance owed. It is almost as if they are not seeking to actually have me rehabilitate, but rather threaten me in a way that actually makes me feel that I do not have any options. As if they somehow benefit from keeping borrowers in default because they could continue to charge the Dept. of Education for maintaining the defaulted account. Additionally, when I fact check the statements they make, it turns out to be false.
When I ask to speak with a manager, they repeat the same thing, not providing any information - merely the amount due - and in an extremely hostile, and threatening manner. I've called voluntarily a few times to obtain more information, and one manager said they contacted my employer and that must be why I'm calling. In fact, I was not informed by my employer that Reliant Capital Solutions contacted them, and I had called by my own accord, but the fact that they would try to use that to somehow threaten me saying they know who my employer is was ridiculous, since I had called and tried to make arrangements by my own accord. Each time, I've called, I've merely hung up on the hostile and threatening representatives for their inappropriate threatening manner in which they communicate. The tactic drives the borrower away that one thinks that they may be incentivized to NOT have students actually pay off their debt! At the end of each terrible phone conversation, I merely resign myself to the idea that until I have the entire amount due available immediately, Reliant Capital Solutions is only interested in unethically engaging me in some process which varies depending on who you talk to at their office.
I believe the U.S. Dept. of Education should REMOVE Reliant Capital Solutions as one of its vendors for debt collection.
Reliant Capital Solutions should be held accountable for their unethical communication practices including information that is NOT CONSISTENT WITH STUDENTAID.GOV.
And the U.S. Dept of Education or CFPB should monitor and review past phone conversations with defaulted borrowers. I'm certain there are many instances of false information, threats, and other unethical practices!
However, based on my interactions with different people at different times at Reliant Capital Solutions, this company is not capable of being forthright about any process.
I believe that the PROCEDURE/process of REHABILITATION ( paperwork/documents, procedures discussed, timeline ) should be managed/provided AND implemented by Dept. of Education XXXX or some other ETHICAL 3rd party ) not by Reliant Capital Solutions who communicates and behaves in a manner in which they do not want you to rehabilitate! The collections agency could receive the funds and arrange the payment, but the contractual process of rehabilitation should not be left up to Reliant Capital Solutions who provides NO information or overview of that process, and whose customer service representatives behave in a manner which deters rehabilitation with limited information and threats.
I understand that defaulting has resulted in the referral to Reliant Capital Solutions, however, typically a collections agency should just receive the payment - not engage in ( or in this case, fail to engage in ) a 9 month long contractual process of rehabilitation. And if a collections agency MUST implement this rehabilitation process, the Dept. of Education should choose a better vendor than Reliant Capital Solutions -- an agency where information is withheld, lacks a clear, forthright description of the rehabilitation process, and an attitude that actually tries to deter borrowers from rehabilitating!
Everything I know about the rehabilitation process I've had to acquire based on my own research from XXXX, and when I call Reliant Capital Solutions to ask about this, they are not able to confirm any information and merely continue to repeat the balance due like a broken record - with no attempt to succeed that really makes me wonder about the competency or hidden incentives of Reliant Capital Solutions for not rehabilitating borrowers! When I talk with studentaid.gov people, the information they provide is extremely different than what Reliant Capital Solutions curtly states ( incorrectly and unethically! ).
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| 10/15/2018 |
Yes |
- Student loan
- Federal student loan servicing
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- Dealing with your lender or servicer
- Received bad information about your loan
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Web |
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The following collection agencies keep repeating the same amounts in collection claims which are not valid ; thus, I am disputing all claims filed by these agencies as they have violated FCDPA Provisions which guide them on collections, statute of limitations ( Texas ), attempted to overrule Bankruptcy Court Litigation ( XX/XX/XXXX ) which resulted in liquidation of assets of which, proceeds were received by US Department of Education and violated the rights under 31 USC 3711 which is a requirement of 31 USC 3716 : *XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX , OH XXXX *XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, Georgia XXXX *XXXX XXXX ( for XXXX XXXX ) XXXX U.S. Department of Education Loan Servicing XXXX XXXX XXXX XXXX XXXX, GA XXXX General Correspondence : XXXX U.S. Department of Education Loan Servicing XXXX XXXX XXXXXXXX XXXX, PA XXXX *U.S. Department of Education XXXX XXXX XXXX XXXX XXXX Washington , D.C. XXXX ____________________________________ The collection agencies ruined my credit, employment and caused unnecessary duplication in efforts of resolve issued by the student ( complainant ).
___________________________________ On XX/XX/XXXX, I filed a complaint with United States Court of Federal Claims which went to Appeal in the Court of Appeals for the Federal Circuit, regarding tax refunds being offset as student loan debt. These types of notices had been occurring for 17 years i.e., I have not received a tax refund of which I was entitled to claim in now 18 years.
The United States Department of Justice produced collection documentation showing that US Department of Education had collected United Student Aid Loan Amounts on XX/XX/XXXX ; yet, collections agencies continued to bill using damaged promissory and issued unlawful collections using these damaged promissory notes without my knowledge in XX/XX/XXXX.
The records indicated the only verified amounts owed - issued by the United States Bankruptcy Court ( Trustee : XXXX XXXX XXXX ) and Attorney Representation - was {$15.00}, 811.00 in relation to US Department of Education claims in XX/XX/XXXX.
Additionally, United States Department of Justice produced records showing that I was being charged 5 % interest on a Federal Perkins Loan since XX/XX/XXXX - which was the year the Federal Perkins Loan was fully paid off.
During the Bankruptcy filing of XX/XX/XXXX, the Trustee ( XXXX XXXX XXXX ) withdrew a large number of collections claims which were not valid due to lack of paperwork ; this also included the duplicated claim amounts issued by the XXXX XXXX XXXX
Additional records show that XXXX University and US Department of Education attempted to default me while I was attending school during years XX/XX/XXXX-XX/XX/XXXX, and tried to charge me for XXXX college education which I carried and paid for out-of-pocket prior to my entry in to XXXX University. Indicating intentional mismanagement of my college records and causing continued interruption to my furthering educational studies beyond XXXX Level. XXXX University also withheld transcripts from potential employers in the past years even though I went personally to their administrative offices and paid for the transcripts.
XXXX University and US Department of Education attempted to charge me under XX/XX/XXXX or later full tuition rates which is not applicable. XXXX University ( Texas ) did not have on-site / offsite housing or full service cafeteria in years XX/XX/XXXX-XX/XX/XXXX and could have never issued anything other than tuition only costs to students attending in those years.
Many of the collections agencies involved in the fraudulent collection practices never reported the amounts they collected in the last 18 years based on TOP reports issued by US DOJ. Additionally, much of Bureau of Fiscal Services correspondence also shows that fraudulent behavior, i.e., the representatives show to be collecting for child support services or some other state debt in the same tax year as collection for student loan debt per offset letters issued by US Department of Treasury.
When I file as complaint regarding this situation with US Department of Education they commonly take more than 6 months to produce the information related to my education. I was employed and attended college ; thus, as a full-time student did not deserve to have my employment rights, educational rights, and financial rights degraded in last 18 years or in my senior years of my career.
Again, I dispute all claims made by the above listed collection agencies for additional monies owed to US Department of Education as they are invalid and unreliable in paperwork.
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| 03/11/2022 |
Yes |
- Debt collection
- I do not know
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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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This complaint is a electronic notice to the CFPB to inform them of the actions by RELIANT CAPITAL SOLUTIONS who is a debt collector pursuant to ( 15 USC 1692a ( 6 ) ) who has failed to comply with 15 USC 1692 and 15 USC 1681 is now civilly liable under 15 USC 1692k and 15 USC 1681n.
pursuant to 12 CFR 1006.6 ( d ) ( 1 ). RELIANT CAPITAL SOLUTIONS must not communicate, in connection with the collection of any debt, with any person other than, myself the consumer, the creditor of said account and their lawyer and the debt collector 's lawyer. Reliant Capital Solutions failed to comply with the requirements under this regulation and is in violation by communicating with the third-party credit reporting agencies not permitted by law and without consent in connection with their attempt to collect an alleged debt.
A collection account was furnished to my consumer report on XX/XX/XXXX, RELIANT CAPITAL SOLUTIONS is in violation of 15 U.S. Code 1692j ( a ) by designing, compiling and furnishing a collection account to my consumer report that is being used to create false belief in I the consumer and that a person other than the creditor is participating in the collection of an attempt to collect a debt when in fact the creditor is not participating.
RELIANT CAPITAL SOLUTIONS is in violation 15 U.S. Code 1692f ( 1 ) by using unfair and unconscionable means prohibited under this subchapter to attempt to collect an alleged debt that was not authorized by an agreement creating the alleged debt or permitted by law. I the affiant am aware that there was never an agreement made between myself and RELIANT CAPITAL SOLUTIONS that was authorized the creation of the alleged debt.
RELIANT CAPITAL SOLUTIONS is in violation of 15 U.S. Code 1692d ( 1 ) by using violence and criminal means to harm my consumer reputation. They used means prohibited by this subchapter to communicate their attempt to collect an alleged debt to the third-party credit reporting agencies resulting in the furnishing of a collection account to my consumer report. I am aware that the furnishing of this negative account to my consumer report dropped my score and has harmed my reputation it is now harder for me to obtain credit because my credit worthiness and reputation is now harmed and this has caused me financial hardship due to the difficulty obtaining new credit and this is directly affecting interstate commerce.
RELIANT CAPITAL SOLUTIONS is in violation of 15 U.S. Code 1692c ( b ) by failing to comply with the provisions in this subchapter, Reliant Capital Solution communicated with third parties such as XXXX in connection to their attempt to collect an alleged debt and told them that I alleged owed a debt which is prohibited by law pursuant to 15 U.S. Code 1692c ( b ).
RELIANT CAPITAL SOLUTIONS is in violation of 15 U.S. Code 1681q by willfully and knowingly obtaining my location information from a consumer reporting agency under false pretenses and is now liable to be fined under Title 18 of the United States Code, imprisoned for not more than more than 2 years or both.
RELIANT CAPITAL SOLUTIONS is in violation of 15 U.S. Code 1692e 2 ( a ) by using false, deceptive, misleading representation and means prohibited under this subchapter in connection with the collection of an alleged debt. Reliant Capital Solutions sent me a statement via the US mails and email on XX/XX/XXXX including the subject matter of an attempt to collect an alleged debt for file number XXXX. The amount, character and legal status of this alleged debt is falsely represented. The alleged {$620.00} balance is shown in a positive balance, if a balance was in fact owed it would show in the negative.
I have reason to believe and do believe that RELIANT CAPITAL SOLUTIONS is in violation of 18 U.S. Code 1341 by knowingly participating in fraud through the US mail.
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| 05/21/2015 |
Yes |
- Debt collection
- Other (i.e. phone, health club, etc.)
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- Disclosure verification of debt
- Right to dispute notice not received
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Web |
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Reliant Capitol Solutions contacted me today on XXXX/XXXX/2015. I missed XXXX calls from them. After I had seen the missed calls I called the number back. I stated I missed a call from this number. The lady on the phone asked me if I was XXXX XXXX I said yes and was transferred. This is where the whole situation got out of hand. The guy I was transferred to was very forceful at trying to obtain my information. Before I said yes to anything I asked who the company was he stated the company name very fast and continued to try and get my personal information. After a few minutes of me standing my ground and asking what the company name was and what the call was about and not giving my information he finally, rudely, told me. That 's when the call became pretty heated. He continued to be rude and cut me off as I was talking. He kept asking if I could pay the debt I stated I could not right now and he went on to say he was going to mark my account as refusal to pay I told him I wanted to speak with someone else. The next lady I talked to was a little better. She actually explained what was going on and was at least trying to work with me a little. I stated I wanted to call XXXX ( that 's who the debt is for ) and verify all this since this was the XXXX time I had heard about the debt. At that point I feel like she went on the offensive. She acted like she did n't want me to call them and said we needed to reach an agreement before I hung up. I refused and insisted on calling XXXX to verify. At that point she said that I HAD to call back today or tomorrow and was very insistent on that. I called XXXX, verified my information.I also asked if I could make payments to them instead of the debt collector. She said I could and that they would report my payments to Reliant. I proceeded to call Reliant back. I asked to be directed to a supervisor and the call continued. I spoke with a supervisor named XXXX. I told her about the prev. calls she said it would be looked into and went on to continue to try and collect the debt. I told her that XXXX stated I could make my payments to them and they would report my payment to Reliant. She said I could not do this and my payments must be made to them. I wanted to take time to figure things out but I kept getting told that if we did n't reach an agreement right now that it would be a refusal to pay. We came to an agreement of {$58.00} a month and I would try to payoff the balance in full as quickly as I could. So in summary I feel like I was bullied and pressured into paying this company. They were not professional at all. The whole call was handled very badly I believe. Kinda felt like I was tricked into paying them. I have no problem paying this debt off. Had I known about it before I would have taken care of it but between the time I stopped going to the school and now I had moved a XXXX times and had my number changed. So this was my XXXX time hearing about it. They stated they had called multiple times before and have left voice-mails. I do not recall any of this and to my knowledge I have never received any calls or voice-mails from them. I feel like I should have had time to go over my finances and figure out exactly what I could pay XXXX month but as stated before I was getting told if I did n't reach an agreement with them right then it would be a refusal to pay. And from what I have heard from other debt collectors, a refusal to pay means the next step would be them suing me. At this point I feel like I have been coerced into paying them. I have dealt with debt collectors before and all have been helpful and willing to work with me and given me time to figure things out. Never have I been threatened with refusal to pay or treated this badly.
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| 05/02/2018 |
Yes |
- Debt collection
- Other debt
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- Written notification about debt
- Notification didn't disclose it was an attempt to collect a debt
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Web |
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Background : After several violations of the law employed by XXXX XXXX XXXX contracted for hire by XXXX XXXX XXXX University, XXXX continues to work around fair collection violations laws by jumping from agency to agency to keep the infliction of purposeful pain going with no desire to resolve my case. XXXX now swithced to Reliant Capital Solutions from Ohio with no intent to validate debt or settle my case.
I have a document showing XXXX refused to discuss and settle and very unreasonable and not working in good faith. Reliant must not allow XXXX to use them to entertain their goal of inflicting pain with no intent to resolve my case.
Highlight of issue : First, the SOL is over. The correct venue for this case in in NH as per XXXX XXXX own ask for arbition rights. They can not have it both ways and now flip to my state casue they do not like NH 's. The claim dates back toXX/XX/XXXX.
Reliant Capital Solutions called onXX/XX/XXXX at XXXX XXXX VIA called ID XXXX from XXXX, Alabama. XXXX XXXX asked for XXXX XXXX. I asked who was calling. He stated, " My name is XXXX from with XXXX representing XXXX You owe {$2400.00}, and I need to confirm some information. '' He never told me he was attempting to collect a debt, I was being recorded, or anything used can be used.
I thought representation was an arbitration company from XXXX given a very long dispute over XXXX XXXX claim and services of collector XXXX XXXX XXXX all many years. I stated, " the debt is not valid. I do not owe them any money. I explained my story because I was not aware he was from a collection agency until I was talking to him. Then, the phone number I called to call back was their main line in Ohio, yet the caller 's phone was from a different state and city. In the end, the caller was reached via their corporate number but he tricked me using a noncompany number.
After he listened, He directed me to call XXXX to validate the debt, so XXXX referred me back to them all within the hour ( the two were working together ).
I was provided a reliant supervisor E-mail to contact as I offered to settle the case for less than their claimed amount of {$2400.00}. No response yet.
XXXX XXXX XXXX is using abusive tactics via collection agencies, and the collection agencies are consistently not being held accountable for violations of the law. Therefore, I exercise my right for legal action and fines again present, former collection agencies in this case and now XXXX who knows abuse the abuse and letting the collection take to blame for violations of the law. The tactics of this agency, the others, and XXXX is intended to inflict harm as long as possible with NOT intent to close this out. I offered to settle multiple times, yet they keep saying they my credit report will be impacted.
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| 02/12/2018 |
Yes |
- Debt collection
- Federal student loan debt
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- Attempts to collect debt not owed
- Debt was result of identity theft
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Web |
Older American |
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As of XX/XX/XXXX, I do believe, I am a victim of Identify Theft, and I would like to press charges against this person, and have her or him arrested!! who used my personal information, my Social Security number, my name, my birthday and addresses, to obtain personal gain, of {$1000.00} at XXXX College, California from XX/XX/XXXX to XX/XX/XXXX, per collection agency, XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX, Ohio XXXX, Phone # XXXX, They said I lived at this address in XXXX XXXX, California. I nevered in XXXX XXXX ever! I live presently, in XXXX XXXX the last 5 years, previous, I lived at this other address of 25 years here in XXXX XXXX. I have not attended college, since 30 to 35 years ago, I paid off my student loan numerous years ago, of {$500.00}. I am almost XXXX years ago, and ready to retire soon of my Present position of 28 years, for the XXXX XXXX, here in XXXX XXXX, California. I Called ( 3 ) Times to the collection agency XXXX XXXX XXXX to request letter stating to compare the signature on loan document or check, when I receive this, to contact them, so I can hurry and catch this person using my personal information. The collection agency stated he can not send this letter out until 6-8 weeks. Stated this was protocol per their company. This was wrong! He could of made a copy and sent this to me! I asked him either to email me or fax to me or even send certified! He said no! I heard from someone that worked for another collection agency, and also a police officer here that worked in XXXX XXXX, A Police officer, XXXX stated that's " XXXX '' he is wrong! He can make a copy and sent it to you right away!, he also told me to ask for a ( his ) supervisor for that Collection agency. So Now I get a letter from the Department of The Treasury, stating that instead of supposing to getting my federal of {$3600.00}, no, that we applied your payment of {$910.00} to the following agency U.S. Department of Education. I tried calling the Department of Education one week prior to this, to flag this, and Entered my Social security number at prompt, the recording stated to contact XXXX XXXX XXXX for this, I had good credit before this person robbed me of my personal information. I cant even sell my house now, or purchase a car for my son because of this. I think this collection agency is not honest or fair to their clients. I would like to report them. Now I am having bad headaches, I am becoming ill, my XXXX XXXX is rising because of this and I am going through mental anguish, and I am getting stressed out behind their inadequacies. I would like to report this Collection agency. Please contact me A.S.A.P. and let me know where I can get the right help!
Thank you
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| 11/05/2021 |
Yes |
- Student loan
- Federal student loan servicing
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- Dealing with your lender or servicer
- Don't agree with the fees charged
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Web |
Older American, Servicemember |
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Borrowed {$8400.00} to go to college.
XXXX XXXX.
Paid Student Loan in good standing {$120.00} a month from XXXX.
XXXX XXXX XXXX XXXX job in XXXX during the downsizing.
Assumed that loan was in deferment.
It was not.
Several failed jobs for 2 years_company doors shuttered in my face without paying me.
Sold everything. Moved to XXXX. Got 2nd hand car. Got job at a XXXX XXXX XXXX in XXXX.
Lived in the employee dormitory at the XXXX XXXX XXXX.
Got full time at XXXX XXXX XXXX, 3 years later.
VOLUNTARILY picked back up Student Loan Payments.
Was told by a Representative of the Dept of Ed., that if I made 12 straight monthly payments of {$120.00} a month that my Student Loan would come out of default.
It did not.
I paid {$120.00} a month from XXXX - XXXX and the loan never came out of default.
Economy Crash.
Lost great job in XXXX XXXX.
Bankruptcy XXXX.
Lived at an XXXXXXXX XXXX where I got a roof over my head & food, a little pocket money for 10 years.
Now my Social Security is being garnished when I became eligible to collect it.
I paid approximately {$8600.00} on the Student Loan from XXXX when it was in good standing. I can not contact the Dept of Ed directly to get an exact amount.
I paid $ XXXX in VOLUNTARY PAYMENTS + Tax Refund offsets from XXXX. ( I have the print outs ).
TOTAL OF {$23000.00} paid for borrowing {$8400.00}.
Enough is enough. They still want $ XXXX more dollars. I can't contact the Dept of Ed directly_only the Collection Agency.
I feel like this loan is paid 2.5 times over and they still come after me. I have {$750.00} a month to live on after their garnishment.
My credit score went back up recently & I know that wouldn't happen IF I STILL OWED THE GOV.
The Govornment has crashed the economy twice in 20 years and now the PANDEMIC.
They give out free PPP money_BILLIONS OF DOLLARS in loans that don't have to be paid back by businesses that could have weathered this storm with their own resources instead of draining the Treasury of tax payer funds.
Yet_they garnish my only source of income & I have to live on {$750.00} a month.
I've paid them {$23000.00} for an {$8400.00} loan & they won't relent.
There is something basically wrong here.
Legal Aid told me I had to pay it or die whichever comes first.
I told them that I think it is paid 2.5 times over.
They dont agree. They say pay it or die.
What is wrong with this country?
Its not like I borrowed {$100000.00} for a vanity degree & reniged on payment because I work at XXXX XXXX.
I HAVE PAID A LOT OF MONEY FOR AN {$8400.00} LOAN ALREADY.
IT'S A MORAL ISSUE.
Any help appreciated.
Companies involved> Dept of Education Reliant Capitol Solutions
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| 09/22/2020 |
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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XX/XX/XXXX To whom it may concern : I would like to file a complaint against a collection agency by the name of ( Reliant Capital solution ).
This collection agency continues to perform Slander of Credit, by continuing to harass me, and by placing fraudulent false collection debt onto my credit files.
In XXXX of XXXX, I had an attorney to write to this collection agency regarding this fraudulent debt that they continue to harass me about.
( Copy of attorney letter attached ) In XXXX of XXXX, this collection agency was using the name of ( Reliant Recovery Solutions, LLC. ) And now on my credit files they are using the name of ( Reliant Capital Solution ), But that does not change the fact that I do not owe this debt, and they have not removed the fraudulent information off of my credit files.
They continue to destroy my name, as well as my credit by placing a fraudulent collection amount of {$270.00} onto my credit files, lying and claiming that I owe XXXX XXXX XXXX XXXX, and this is not true.
I do not owe XXXX XXXX XXXX XXXX any outstanding debt, but this unscrupulous collection agency keeps ( RE-AGING ) fraudulent dates, and lies regarding this fraudulent collection amount, and placing this false fraudulent collection information onto my credit files.
Its been years since Ive had anything to do with XXXX XXXX XXXX XXXX, I didnt spend much time enrolled in that corrupt, dysfunctional online school.
They were in charge of all of my financial aid at the time, I did not leave that school owing them anything, if anything they stole from the Department of Education, because they didnt return all of the last funds that they withheld when I withdrew from their corrupt school.
This deceitful, dishonest collection agency has again ( RE-AGED ), this false fraudulent collection account onto my credit files, showing a date of XXXX XX/XX/XXXX XXXX, with an update to the collection as of XXXX XX/XX/XXXX ).
I need your assistance, I do not owe this fraudulent collection, and it should be against the law for this collection agency to continue to ruin my financial life over money that I do not owe.
I want them to once and for all to clear my name of this fraudulent debt, I want hard copy proof on their letterhead that, that has been done, and I want this unscrupulous collection agency to stay out of my credit files.
I want them to cease and desist from ever contacting me again regarding this fraudulent debt.
I want the Consumer Financial Protection Bureau fully involved in this complaint until completion. Reliant Capital Solution can contact the Consumer Financial Protection Bureau, and the Consumer Financial Protection Bureau can contact me.
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| 02/14/2023 |
Yes |
- Debt collection
- Other debt
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- Attempts to collect debt not owed
- Debt is not yours
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Web |
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I received an offer letter from the XXXX XXXX XXXX XXXX XXXX XXXX in physiology in XXXX and contracted XXXX XXXX XXXX XXXX XXXX XXXXXXXX back in Summer XXXX which spread to my various organ systems and advised the XXXX registrars office of my request to pursue a medical health related program withdrawal in XXXX XXXX XXXX and provided verified doctors notes to confirm my absence from the program. The XXXX registrars office, program leadership team, and the XXXX program director remained grossly negligent and never responded or provided the necessary paperwork for a program withdrawal and I never received a response from the XXXX office regarding my program withdrawal confirmation. I received an anomalous, erroneous {$7600.00} Spring XXXX personal bill from XXXX in XXXX XXXX months after I withdrew from the XXXX XXXX program and left the campus for classes that I never registered for or completed. I would appreciate it if you could kindly null and void the erroneous {$7600.00} bill and refund the Fall XXXX and Spring XXXX tuition amounts ( Federal Direct Grad Plus loan paid in the Fall XXXX ( {$31000.00} ) and Spring XXXX ( {$25000.00} ) semesters + Federal direct unsubsidized loan of {$10000.00} ) back to the government. I have attached the erroneous XXXX Spring XXXX bill and my personal request to withdraw from the XXXX XXXX graduate program in XX/XX/XXXX due to chronic health issues in the files below for your review. The school manipulated me and forced me to stay in the program despite chronic health issues and never responded when I initially requested for a medical/health related program withdrawal at the beginning of the Fall XXXX semester. I was denied the opportunity to receive program withdrawal paperwork and the school remained grossly negligent to my request for months. Subsequently, the school recently threatened me with collection attempts starting from XX/XX/XXXX onwards months after I withdrew from the program for degree coursework that I never registered for or completed. I never received a degree from XXXX nor graduated. Kindly ensure that the below attached bill is voided and that my full XXXX academic year tuition loan amounts are returned back to the federal government. I would appreciate your kind consideration of my request. I have attached my supporting documents in the files below. Thank you.
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| 06/19/2020 |
Yes |
- Debt collection
- I do not know
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- False statements or representation
- Attempted to collect wrong amount
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Web |
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Requested Feedback not provided as of XX/XX/XXXX for my certified letter - USPS, nor first, yet additional, request for validation of debt owed.
In letter, I stated I would establish a payment plan if the school agreed to the arrangement ... this occurred prior to COVID19 and full lockdown at the state level.
Additional time was given due to COVID19.
XXXX in XXXX charged XXXX to XXXX dollars and this range was sufficient and what I referenced in reestablishing a payment plan, which I would start sending payments on a weekly basis ( as of XX/XX/XXXX due to current work arrangement and unemployment stimulus if current employment ends ) ... previous agreement prior to XX/XX/XXXX feedback request was on a limited part time employment basis with some SSDI funds available after bills and rent.
To my knowledge, as of XX/XX/XXXX no validation of debt have been completed and are required per the consumer protection laws, if not completed the false reports on the creditciles have to be removed.
I was never on campus in XXXX nor after XX/XX/XXXX to establish any new loan agreements for funds from XXXX or their affiliate Reliant Capital Solutions.
I do not owe any amounts ranging from XXXX to XXXX dollars, but I'm definitely aware of the range from XXXX to XXXX and am open fo paying those according to our prior payment arrangement with XXXX Cashiers Office, as indicated in 1st request for validation of debt prior to XX/XX/XXXX feedback request.
Any additional attempts to collect these amounts are further retaliation efforts, which need to not only be documented, but forwarded to the appropriate Department of Education and other overseeing agencies to ensure all parties can resolve this by way mediation ... if taken to trial, certified letter is evidence of educational Institutions noncompliance and complicit nature in prior investigations and efforts to resolve the XXXX to XXXX balance ( most a counting came from on campus living arrangements.
All affiliated efforts to collect this account without validation need immediate removal from all credit files by both third party ( who I already have no contract with ) and original creditor ( who I have sent validation requests to ).
Damages have no been requested at this time, but accurate information is ready for processing if needed for this request.
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| 04/02/2018 |
Yes |
- Student loan
- Federal student loan servicing
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- Dealing with your lender or servicer
- Trouble with how payments are being handled
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Web |
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In XX/XX/XXXX I consolidated my Student loans through the U.S. Dept. Of Education. I combined all my loans in to an Income Contingent Repayment loan. I have been paying these loans on time without issue since XX/XX/XXXX. Recently on XX/XX/XXXX I received a letter form Reliant Capital Solutions ( a collection agency on behalf of the U.S. Dept. of Education ) claiming that I had a student loan that was not paid and a balance of XXXX.
I called the collection agency and explained that this could not be mine as I have been paying all my student loans without issue since XX/XX/XXXX and all my loans were consolidated in to an ICR loan in XX/XX/XXXX. I asked them to send me proof of the original debt and they said they would send the original promissory note with the original documents.
On XX/XX/XXXX I received a packet from Reliant that had nothing to do with this outstanding balance they claim I owe. they sent me copies of my Loan consolidation paperwork from XX/XX/XXXX. So I called back and explained what they sent me. I told them that my ICR paperwork DOES NOT prove this alleged debt. So I asked again for proof of this alleged debt, they said this was all the paperwork they had from the US dept. of education. So I told them that if they can NOT provide proof this debt belongs to me they must cease all collection attempts and close this matter. again they said they would send me the proof. I have to date received NOTHING.
So I called the US dept of education. they told me that this debt was from XX/XX/XXXX and they see that I went through them inXX/XX/XXXXto consolidate my loans, and they were aware of this loan in XX/XX/XXXX. and if I consolidated in XX/XX/XXXX it should have been a part of my consolidation. I explained that this is why I don't believe this loan is actually mine and I once again demanded they provide with original proof of this loan.
they said they would. However as I have stated earlier I have not received anything from Reliant or the U.S. Dept. Of Education since.
I sent a formal Dispute and demand letter by certified mail on XX/XX/XXXX. In that letter I stated again that I was disputing this loan and demanded original proof of this debt. I also requested a response within 30 days of receipt of the letter. It has been over 30 days and again Zero communication from them.
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| 08/08/2022 |
Yes |
- Debt collection
- Other debt
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- False statements or representation
- Attempted to collect wrong amount
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Web |
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On XX/XX/XXXX I submitted an FDCPA Debt Validation request pursuant to 15 USC 1692g ( b ) to Reliant Capital Soluctions, LLC ( " Reliant Capital '' ) regarding a debt alleged to be owed by XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
In my initial debt dispute I disputed the {$930.00} total being alleged and requested that all supporting documents be provided to affirmatively demonstrate that I owed XXXX {$930.00} and how they reached that total.
In response, Reliant Capital sent my a letter dated XX/XX/XXXX, which claims that I owed XXXX {$1200.00}, with no explanation as to why Reliant Capital was claiming more owed than what XXXX claimed less than a month earlier.
Attached to Reliant Capital 's XX/XX/XXXX letter were print outs from XXXX, starting from XX/XX/XXXX to XX/XX/XXXX. Each print out claims to be a cumulative total of the amounts owed.
XXXX claims I owe {$1500.00} XXXX claims I owe {$1600.00} XXXX claims I owe {$2000.00} XXXX claims I owe {$0.00} XXXX claims I owe {$0.00} This is consistent with my understanding that XXXX has been paid all moneys owed to it. The documents provided in response to my debt dispute fail to establish the {$930.00} claimed by XXXX on XX/XX/XXXX or the {$1200.00} being claimed by Reliant Capital on XX/XX/XXXX.
I believe that Reliant Capital has violated 15 USC 1692e by providing false and misleading information, claiming that I owe an amount in excess of the amounts claimed by the party they are collecting a debt on behalf of, and further by providing documentation which they allege support the alleged debt they are seeking to collect - when that evidence actually establishes a {$0.00} balance.
Reliant Capital has failed to substantively answer my Debt Validation Request, and in fact provided evidence that there is a {$0.00} balance, and yet they claimed I owe {$1200.00}. I've submitted a second debt validation request on XX/XX/XXXX, advising of the same.
Further, beyond documents being provided showing a XXXX balance, the debt they allege to be collecting are from XXXX and are barred by statutes of limitations in the state of Ohio. Reliant Capital has further violated CFPB regulations and the FDCPA by pursuing a time barred debt.
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| 09/28/2021 |
Yes |
- Debt collection
- I do not know
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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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I recently received a voicemail from a debt collector, and then the next day I received and e-mail from the same debt collector for the same debt.
Now it is my understanding that they are allowed to try to communicate in these manners to collect a debt. That's all fine and dandy, however the e-mail failed to provide a link to opt out of receiving e-mail notification. The link they provided was written up as below : Update your communication preferences by visiting http : //www.reliantcapitalsolutions.com/consent/ Upon Visiting the link provided I noticed wording that almost seems to appear, that by filling out certain information on that page you are " CONSENTING '' to them contacting you by those means, rather than opting out of the methods of contact. This said, those items are also required fields. Example is the wording for e-mail : " By providing your email address you consent to Reliant Capital Solutions , LLC contacting you at that address regarding any accounts for you placed with Reliant for collection. You understand and agree the email communications will contain account specific information. You have the ability to withdraw consent or opt-out of those emails at any time. '' There is no clear way in the e-mail I received to opt out of e-mail notifications.
Secondly, I would assume that even with these new rules that allow them to contact you by other means, that certain privacy rules that have existed for the past 40+ years would still apply. No attempt was made by them to verify whether or not I am the sole user of this e-mail account before attempting to contact me of this debt. I have a XXXX XXXX XXXX mother, that I often allow to use my e-mail address because it is easier for me to help weed out some of the potential scams out there that prey on the elderly 's lack of knowledge for technology. While she does have her own account, it is only given out for select business purposes such as job searching, banking, etc. These rules that have recently changed, obviously did not give foresight to the fact that many consumers my age may share an e-mail account with an elderly parent or a child.
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| 04/11/2023 |
Yes |
- Debt collection
- Other debt
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- Attempts to collect debt not owed
- Debt was result of identity theft
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Web |
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In XXXX I received letters from the IRS and the Ohio Department of Taxation for Lottery Drawing. I contacted them both and told the money was stolen out of my bank account. I went on to provide documentation to both agencies. Information about the taxes came by way of the IRS to the Ohio Department of Taxation. After the IRS completed it's investigation in XXXX and updated said file. I contacted the Ohio Department of Taxation and them was the filed closed. I was told no. I asked for verification of debt that the IRS believed I owed. The Ohio Department of Taxation are just now recognizing in XXXX that they got paid in XXXX15 U.S. Code 1692g any disputed portion thereof, until the debt collector obtains verification of the debt or a copy of a judgment, or the name and address of the original creditor, and a copy of such verification or judgment, or name and address of the original creditor, is mailed to the consumer by the debt collector. Collection activities and communications that do not otherwise violate this subchapter may continue during the 30-day period referred to in subsection ( a ) unless the consumer has notified the debt collector in writing that the debt, or any portion of the debt, is disputed or that the consumer requests the name and address of the original creditor. Any collection activities and communication during the 30-day period may not overshadow or be inconsistent with the disclosure of the consumers right to dispute the debt or request the name and address of the original creditor.
( c ) Admission of liability The failure of a consumer to dispute the validity of a debt under this section may not be construed by any court as an admission of liability by the consumer.15 U.S. Code 1692k any debt collector who fails to comply with any provision of this subchapter with respect to any person is liable to such person in an amount equal to the sum of ( 1 ) any actual damage sustained by such person as a result of such failure ; ( 2 ) ( A ) in the case of any action by an individual, such additional damages as the court may allow, but not exceeding {$1000.00} ; or
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| 11/10/2019 |
Yes |
- Student loan
- Federal student loan servicing
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- Struggling to repay your loan
- Can't get other flexible options for repaying your loan
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Web |
Servicemember |
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In XXXX I had a medical crises that required extended hospitalization and resulted in me moving in with relatives to be properly cared for during my rehabilitation. My student loan in XXXX were under a deferment. During hospitalization and after, my mail was was returned to the Department of Education. I was not aware that my loans had defaulted and not able to exercise my right to an oral hearing or a delay of garnishment because I did not receive the mail. I petitioned the Department of education to stay the garnishment and grant an oral hearing through their agency Reliant. I requested oral hearing to explain my circumstances and request hardship on XX/XX/XXXX and on XX/XX/XXXX. I sent all request via certified mail and both mailed and uploaded documents directly. The Department of Education has refused to grant my right to an oral hearing even though they know for a fact my mail was returned. I have explained that the Garnishment leaves unable to meet basic expenses or pay for the critical medical care I require. As recently as XX/XX/XXXX they refused my right to an oral hearing so that I may explain my hardship, and the circumstances that led to this action. I would like an opportunity to explain my plan going forward for repayment of my student loan debt.
I, XXXX XXXX, am writing to request that the Department of Education review my request for a hardship reprieve from the Departments garnishment of my student loans. As, I've requested in the previous two garnishment hearings I am requesting an oral Hearing on this matter. I have not been allowed an oral hearing despite repeated request This garnishment poses a significant hardship for me. I am a single Mother of XXXX and am managing a XXXX illness while employed full-time. The crushing stress and constraints brought on by the garnishment make it extremely hard for me to afford to take care of my children and afford medical care.
I have supplied the Department of Education with my expenses previously. My expense have change and the garnishment is a severe hardship.
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| 01/06/2019 |
Yes |
- Debt collection
- Other debt
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- Attempts to collect debt not owed
- Debt is not yours
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Web |
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I attended XXXX XXXX XXXX for theXX/XX/XXXX-XX/XX/XXXX academic year. I got excellent grades and I transferred to a school with a better reputation for better job prospects. Around late XX/XX/XXXX I began receiving bills from XXXX XXXX XXXX in the amount of XXXX dollars. I called the school to determine what the charge was from. I was told that my account was not settled and that they would refer my account to collections. When I asked what the charge was from they said it was my tuition. I told the school I already paid the tuition in full, and that was how I was able to transfer my transcript to my new school.
It is common policy in American academic institutions to not release a students transcripts without paying their bill. I thought nothing of it, but the school referred the matter to a collection agency without telling me what the charge was for. When I kept getting collection calls, I called the school and a representative at the XXXX office told me that the charge was due to an " unofficial withdrawal. '' I told them that I paid all the tuition and fees for the year that I attended and that this charge was unfair but they demanded that I pay it. I was a XXXX XXXX XXXX and had no money so I did not. In XX/XX/XXXX I passed the XXXX XXXX XXXX in New York State, I needed my transcripts from schools for job applications. When I called XXXX they said that there was a hold on my account and that this charge for " unofficial withdrawal '' was sent to a collections agency. After a lengthy pleading process for leniency the XXXX, XXXX XXXX, agreed to remove the hold and forgive that charge. The annual tuition at XXXX was around XXXX dollars and we both agreed that charge for Unofficial Withdrawal, which I had no idea about at the time of transfer seemed unnecessary, petty and unfair. I did not withdraw from school, I transferred. Now the credit reporting company has reduced my credit score, and apparently no one was notified that my hold was released.
|
| 07/26/2017 |
Yes |
- Student loan
- Federal student loan servicing
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- Dealing with your lender or servicer
- Keep getting calls about your loan
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Web |
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I have been in contact with XXXX XXXX from Reliant Capital Solutions on behalf of XXXX XXXX University beginning before XXXX XXXX, 2017. I have spoken with him concerning my defaulted XXXX loan. I explained to him that I recently entered into an income based repayment plan for my other federal student loans. He advised me to complete a loan consolidation. He also stated that he would walk me through the process. After looking up the consolidation process online I noticed it may not be in my best interest at this time. I advised XXXX multiple times that I am working with my sister on the best option for me as far as my student loans. I am more comfortable working with her. He is continuing to call me every day from various numbers ; XXXX & XXXX to list a few, after business hours XXXX-XXXX EST. At this point each time I take a call from XXXX he gets more and more rude and agitated that I will not complete the consolidation with him over the phone. " At this point I can not keep putting this off any longer. I am trying to help you. I will have to mark the file as a refusal to pay the $ 3,000+ for the loan balance '' his exact words. I advised him again that this is NOT a refusal. I am working with someone to figure out the best means for me to pay the loan. I can not afford to pay the full amount at this time and am working on a repayment plan. I am working in public service and am trying to see how that would affect me before consolation which would ultimately increase my monthly payment amount exceeding my allowable income to expenses ratio. I advised him that I have his contact information and will reach out to him once my decision is made. It seems as though he is trying to get me to say I am refusing to pay. He is trying to rush me into making a decision that will affect ONLY me. It is very harassing and I have never been treated this way. This is not a good representation of XXXX nor his company. I have call records of all times and dates.
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| 01/29/2022 |
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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I am filling a complaint with the Consumer Financial Protection Bureau.
Collectors are required by Fair Debt Collection Practices Act to send you a written debt validation notice with information about the debt theyre trying to collect. It must be sent within five days of the first contact. Reliant Capital Solutions has not provided me with anything to validate this. Its a violation of the collection practices act for a debt collector to refuse to send a validation notice or fail to respond to your verification letter.
On XXXX I received a letter from Reliant Capital Solutions informing me about account number : XXXX in the amount of {$1500.00}. The letter stated that unless I notify offer within 30 days of receiving this notice that I dispute the validity of the debt. Their office will assume that this debt is valid.
I sent a validation letter to Reliant Capital Solutions dated on XX/XX/XXXX and I never heard back or received any validation that the debt belongs to me. I kept waiting for validation. I will upload a copy of the validation request letter that was sent postmarked XX/XX/XXXX.
On XX/XX/XXXX, I got an alert from my bank and other credit applications such as XXXX XXXX and XXXX that I had a new collection account that was reported. I logged in and see that Reliant Capital Solutions has reported a collection account to XXXX and XXXX without giving me any validation that account number : XXXX in the amount of {$1500.00} in fact belongs to me. Reliant Capital Solutions has not provided me with proof that I owe this debt, yet they reported the account as collections. This is a clear violation.
I have no record of owing this debt and would like this to be removed with XXXX and XXXX. I have already contacted and disputed this with both credit agencies and have yet to hear back from XXXX and XXXX.
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| 06/19/2020 |
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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Sent information about XXXX and Reliant Capital Solutions validation of debt responses.
Made, I believe two errors, " Scholl '' and " XX/XX/XXXX '' ... I did not proofread before submitting, but not only standby the statement as I assume it still clarifies my point about a document signed by someone other than myself.
The " Scholl '' error should read as " School '' and the " XX/XX/XXXX '' should reflect " XX/XX/XXXX ''. Either way the structure and grammar was used is still foundational and valid towards the point of being on campus to sign a document in XXXX regarding a XXXX XXXX dollar debt.
First validation effort had a thirty day window to resolve and extra time was given nonverbally due to COVID crisis. RCS requested validation of debt and it at first was not mailed to consumer at all, but also did not get addressed in full until XX/XX/XXXX.
Third validation off debt attempt provides supportive documentation regarding document, stated to be signed in person by the natural person, " Promissory Note '' in excess of four thousand dollars, yet school records indicate no agreement by consumer and school to resolve matters in person and additional documents can support alibi of geographic location during the time of this document being possiblely forged ( please review bank statement ) RCS states they sent a letter in snail mail regarding validation of debt and nothing has come in the snail mail ever from RCS to XXXX XXXX XXXX and if so, it didnt reach me ... even with a dedicated mailroom and leasing office available for snail mail pickup. First time seeing any itemized statement is XX/XX/XXXX.
No written agreement for removal of debt for payment arrangements has been tangibly made as of XX/XX/XXXX even though both accountszhould be deleted per both FCRA and FDCPA.
|
| 11/10/2018 |
Yes |
- Debt collection
- Federal student loan debt
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- Communication tactics
- Used obscene, profane, or other abusive language
|
|
Web |
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This complaint involves Reliant Capital Soutions LLC and the company 's mishandling of consumer information ; rights in which are protected under privacy laws. I've been repeatedly contacted by Reliant Capital Solutions to whom I've never done business with and every phone encounter they providing misleading information regarding the nature of the call. This complaint has been generated due to Reliant employee mishandling my social security number without ever verifying who I was.
When contacted by their employee XXXX I advised that I've never done business with Reliant. Instead of providing me with insight that she was calling from a 3rd party she insisted that I give her my social security number ; her request was refused. She persisted in a threaten tone she that she had the social. I proceeded to hang the phone up. Within a week or so later XXXX calls back XX/XX/2018 XXXX from phone number ( XXXX ) XXXX. Again I advised XXXX that I've never done business with Reliant, she then spats out my social security number over the phone without any verification of my true identity. I immediately hung up and called back to speak with her supervisor. What the Reliant employee did was negligent and very inappropriate. I spoke to the supervisor at Reliant and I was advised of the nature of why they were calling and that they are a 3rd party for the Department of Education. I then advise that I personally call Department of Education to seek a resolution and gather the real facts about the alleged debt.
I would like to see Reliant implement see some regulations for data security protection.It is my hope that Reliant uses more ethical tactics when handling sensitive information in the future.It is Reliant obligation to safeguard consumers information in which they failed.
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| 04/15/2015 |
Yes |
- Debt collection
- I do not know
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- Communication tactics
- Frequent or repeated calls
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Web |
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I 'm receiving repeated phone calls to my cell #. They identify themselves as Reliant Capital Solutions, then ask for me to confirm personal info ( SSN, DOB, current address ). I 've told them I wo n't confirm or provide information unless I have a valid reason to do so. I 've asked the purpose of the call, and they continue to refuse to provide any info ( including what kind of firm they are, any money I might owe to anybody ) unless I confirm my SSN and DOB - which it seems they already have. I contacted the Ohio Atty General 's office and have filed an official complaint. The AG 's office told me they have a " significant '' # of complaints filed against them. I also pulled my credit report and score ( I have excellent credit with a score over XXXX ) and nothing is noted. I asked to speak with a manager and XXXX XXXX at Reliant also refused to provide any info about why they 're calling unless I provide them with personal info. When I told XXXX XXXX I did n't know why they were calling, he said, " You know why we 're calling ''. I googled Reliant - they 're a debt collector. I went to their XXXX, OH office yesterday ( with my checkbook ) and offered my driver 's license as proof of identity and they refused it. I 've checked with any creditors I might owe money to and nobody 's reporting I owe them anything. I 'm happy to pay anyone I might owe money to, but if I do, Reliant is delaying this process and preventing resolution of this issue. I also contacted local XXXX TV investigation team yesterday, they tried to speak with Reliant 's attorney ( who I 'd spoken with ) and she refused - she ran away! Reliant has said they 'll send me a letter with details. The XXXX team told me Reliant has given {$65000.00} in campaign contributions to Ohio 's Attorney General.
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| 10/26/2020 |
Yes |
- Debt collection
- Other debt
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- False statements or representation
- Attempted to collect wrong amount
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|
Web |
Servicemember |
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Reliant Capital Solutions Is depicting inaccurate information on my credit report insisting my debt 's date of last delinquency was within the last 2 years. This debt is over 7 years old and the date of last delinquency is over 7 years go. Therefore Reliant Capital is breaking the law by changing the date of my delinquency in order to continue to collect on a debt that's older than 7 years.
I have disputed this frivolous debt for the past 7 years as the original creditor charged charged it off to be handled by Reliant Capital Solutions. Reliant Capital Solutions has only provided me with a bill from the original creditor with no proof of a contract, signature or anything from 2013, the year this account reported the most recent delinquency. This debt is a frivolous debt and the collection agency has never proved the validity of this debt. ( Only submitted to me over the years a printout of a ledger. ) In order to keep the harassment and deceptive debt collecting practices in place, they marked my credit reports that this is a recent debt in order to bully me into paying this frivolous and fraudulent outdated debt.
I refuse to pay a debt that is not mine or accurate.
In addition, the reason for this complaint is reporting this outdated debt to my credit report that as a recent debt is a fraud, scam, deceptive and against my rights per the FCRA.
I will be contacting the Attorney General of the state this collection agency is licensed and will seek damages in civil court if this account is not removed from my all 3 of my credit reports. In addition I will I will be contacting the States Department of Regulatory Affairs regarding this matter.
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| 12/12/2017 |
Yes |
- Student loan
- Federal student loan servicing
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- Struggling to repay your loan
- Can't get other flexible options for repaying your loan
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Web |
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XXXX XXXX I attempted to enter an income based loan rehabilitation program. I was told by the representative over the phone that I needed to submit a Financial Income Statement form, send proof of income, as well as a copy of the signed loan rehabilitation agreement. I completed the forms and submitted them via email and a payment was collected from me in the amount of {$5.00}. From XXXX XXXX - XXXX XXXX I made monthly payments in the amount of {$5.00}. I missed my XXXX payment and because of that in XXXX XXXX I made two payments. I was told that as part of the agreement after I completed the 10 payments my loans would be taken out of deferral. I made my payment in XXXX and due to my own fault I lost contact with the company. In XXXX of XXXX I made contact with the company with hopes of continuing or restarting the rehabilitation program. I was told that because I had never submitted a signed agreement that I was never actually enrolled in the program. So i was " voluntarily '' making payments. I would never volunteer money ( no matter how small the amount ) if it was going to count for nothing. The representative I spoke with tried to explain that in XXXX XXXX they sent me a letter saying they never received the document, but from XXXX - XXXX during our monthly phone calls my designated point of contact never mentioned that I was missing this documents. He gladly just took my {$5.00} payment. There clearly was gross negligence on Reliant Capital 's part for not making me aware that they were missing any information. And pure ignorance on my behalf because I should have followed up. Moving forward I want to correct the issue.
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| 06/07/2021 |
Yes |
- Debt collection
- Federal student loan debt
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- Attempts to collect debt not owed
- Debt was paid
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Web |
Servicemember |
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XX/XX/XXXX : My student loans were paid in full by XXXX XXXX. Somehow, less than {$40.00} was appended as " Fees '' by the collections agency servicing the collection. No notice was provided about these " Fees ''.
Additionally, the {$5200.00} Payment was not reflected on my credit reports. I have received ALL of the negative impacts, but none of the positives.
Payment Effective Date : XX/XX/XXXX Payment Type : Treasury Offset Payment Amount : {$5500.00} Applied to Principal : {$4500.00} Applied to Interest : {$660.00} Applied to Fees & Charge : {$17.00} I have contacted studentaid.gov, Dept. of Education in general, XXXX and Reliant Capital Solutions. All have said " We can't see the balance when the payment was made. '' " We can't correct the error, contact ( one of the other entities ) ''.
studentaid.gov refused to provide me with a customer support phone number while I was in chat until I literally became irate, which the agent THEN decided to provide me the requested information and terminated the chat.
In short, I've been robbed of my positive credit history and the ability to acquire a mortgage due to " Fees '' from a collection agency AFTER my student loans were paid in full by XXXX. The reported data is inaccurate due to lack of " Date of Last Account Activity '', and not showing the paid amount ... just that the balance was reduced.
I would have paid the remaining balance, if I was ever notified about it. They had my physical address ...
XXXX*EDIT : STUDENTAID.GOV SHOWS INTEREST RATE OF 0.00 %! HOW ARE YOU CHARGING ME INTEREST? ALSO SHOWS LAST PAYMENT IN XXXX! ARE YOU NOT REPORTING AT ALL?! **
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| 05/10/2018 |
Yes |
- Debt collection
- Other 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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On XX/XX/XXXX at XXXX my daughter and I were contacted by XXXX XXXX XXXX Reliant Capital Solutions in Ohio . XXXX XXXX claimed that we owed ad debt in the amount of {$1100.00} to XXXX State University. I asked XXXX XXXX when did his office communicate with us about this money being owed. He claimed that his office sent us a notice of validation of debt on XX/XX/XXXX. XXXX. I confirmed we did not receive it. He told me we had to make payment in full by the end of business day XX/XX/XXXX. If we didn't my daughter would be reported to the credit bureaus. I told him i would like to dispute it and XXXX XXXX told me the dispute time is over. I would not be entitled to dispute the charges., I was furious. I told him I would call him back. Later that afternoon I contacted XXXX and spoke to a Financial Aid Rep. i was informed that the account was sent to collections on XX/XX/XXXX Not on XX/XX/XXXX as XXXX XXXX had claimed. they also researched the account further and said it could be a mistake. This debt was paid in XX/XX/XXXX. The reason for the additional increase is the cost of collections.
I contacted Reliant again that afternoon and spoke to a supervisor. The supervisor confirmed the date of XX/XX/XXXX and confirmed that he would be speaking to XXXX XXXX about the misrepresentation of the debt. He also confirmed a debt validation letter would be sent out later in the week. As of today we have not received it. As a result of my conversation with XXXX XXXX I was so flustered and angry that I was not able to return to work that afternoon.
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| 05/22/2021 |
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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On XXXX XX/XX/2021 I received a phone call from a debt collection firm called " Reliant '' asking me to pay {$2200.00}, but offering few details. On XXXX XX/XX/XXXX I sent a debt verification letter to Reliant asking for 1. The name and address of the debtor, along with the account number and the amount of the alleged debt.
2. Verification that there is a valid reason for demanding payment 3. Details about the age and amount of the debt, including the last billing statement from the original creditor ; an explanation of interest and payments made ; the legal authorization for any interest ; the date the original creditor claims the alleged debt became delinquent ; and evidence that I was a party to an agreement to pay any amount.
4. Whether or not this alleged debt is within the statute of limitations, and how that determination was made.
5. Information about Reliant 's authority to collect the debt, whether or not Reliant is licensed to collect debt in my state, including the date of the license, the license number, the name on the license, and the name, address, and phone number of the state agency issuing the license, and the same information from Reliant 's state if Reliant is contacting me from another state.
As of today, XXXX XX/XX/2021, Reliant had not responded. Today I was notified via the XXXX XXXX website that this debt has appeared on my XXXX credit record.
Please help me resolve this matter. If there are additional steps I need to take, your advice will be appreciated. Thank you.
Respectfully, XXXX XXXX.
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| 02/20/2019 |
Yes |
- Debt collection
- Other debt
|
- False statements or representation
- Impersonated attorney, law enforcement, or government official
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Web |
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To Whom It May Concern, The reason for my dispute is Reliant Capital Solutions was required to notify me no later than 30 days after furnishing the negative information to credit bureau reports, in writing ... under such section 623, subsection ( 7 ) ( A ).
However, in my records I am unable to locate documentation that they complied with this requirement, which is a violation of the FCRA & FDCPA. Also, XXXX XXXX XXXX XXXX XXXX
failed to give me my " Mini-Miranda '' five days prior to placing this derogatory item on all of my credit reports, per Section 807 ( 11 ) & FDCPA 809, which is {$1000.00} per violation and the state of OHIO allows treble damages. Under 809. Validations of date and Mini-Mirandi under Section 807 ( 1 ) Reliant Capital Solutions failed to send me my initial communication before placing this alleged item on my credit reports further violating the FCRA, with {$1000.00} per violation. Reliant Capital Solutions is held liable as well for defamation and in the state of OHIO a creditor is who collects their on debt is considered a debt collector under 1319.12 Taking assignment of debts. FDCPA I fail to see where Reliant Capital Solutions is in compliance with OHIO LAW. I also believe that this business is not registered to operate in the state of OHIO I expect this collection account to be removed from my credit report. Reliant Capital Solutions. has not even tried to contact me regarding this collection account. Please have them remove this collection account immediately. Thank you!
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| 02/22/2023 |
Yes |
- Debt collection
- Credit card 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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Hello, I received my complaint response from RELIANT LLC, and I have read the information that was sent back to me in which I have questions. I see were it states that yes I did ask if there was an option to pay for delete, and you do no not offer that service.
I also see were it states that Reliant is NOT reporting to the credit agencys. What do you mean exactly? Do I pay RELIANT, and then you report to the agencys that it is paid for?
Yes I did speak with a person who is a representative ( 1 ) time from RELIANT. When you say ( 3 ) times to my line from RELIANT in which I did say there were multiple calls to my line that is correct. More than ( 1 ) is multiple calls to my personal phone line. A recorded line should prove and indicate of one recorded phone call with a male representative on XX/XX/2022 like you stated. Only one call.
I have asked for ( 4 ) items to be sent to my mailing address you have one file. In this complaint, you have sent me ( 22 ) copys of paperwork from XXXX XXXX and also including RELIANT. I have yet to see a copy of my contract in which I have asked for. I see my billing statement, I see a copy of RELIANT LLC letter and it keeps repeating to the last page. Where is my contract that I have asked for more than once?
I am trying to work with you to get this resolved in the best way possible.
Can you tell me what I can do to make Mende meet to get this closed account off of my reports? Possible paying 50 %? Please help me get this resolved.
Thank you.
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| 08/02/2018 |
Yes |
- Debt collection
- I do not know
|
- Communication tactics
- Frequent or repeated calls
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|
Web |
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I keep getting calls from the phone number XXXX ( XXXX ) XXXX, or other variations of it. Not once have they left a voicemail. Without a voicemail explaining who they are and what they want, why would I call back? I have been scammed too many times. Sometimes they call 4-5 times a day. This happens at least every day, sometimes every other. They called me 10 times in the last week alone. Sometimes they call before XXXX XXXX, multiple times this past week they have called after XXXX. I spoke with them once, they told me they were Reliant Capitol Solutions and trying to settle student loan debt. They are not listed anywhere on my credit report. When I tried to work out a payment plan with them, they insisted that I had to pay {$1500.00} upfront before they would work out a monthly plan. They refused to work with me. If I can only afford {$50.00} a month, how can I just give them {$1500.00}? When speaking with them on the phone the first time, the man on the other line started questioning why I dont have {$1500.00} to give them. Dont I have parents, family or friends who can loan it to me? Dont I have a credit card? My mother is dead and my father lives 2000 miles away. They raised their voice and became aggressive with me. I have worked out payment plans with other agencies and never been treated this way. This leads me to believe it is a scam. I am more than willing to work out a plan and pay back what I owe, but I dont trust a number who continuously harassed me. This needs to stop.
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| 06/28/2021 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
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- Incorrect information on your report
- Account status incorrect
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|
Web |
Servicemember |
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XXXX XXXX never sent any documentation over to XXXX XXXX about my student loan tpd to XXXX XXXX as stated by them and XXXX says it sounds like when I first started my tpd it was a different process but either way I sent over my XXXX form to XXXX but my dispute was modified later Ive asked for what was modified but got no response but hung up on also so I started stating I was recording early on and also disregarded by silent treatment also. XXXX told me to tell them to send over my credit report and they will send over the correct information. After disputing my XXXX XXXX score dropped XXXX points and my rate went up {$1.00} according to alerts. XXXX XXXX has closed out my report because nobody is sharing my credit reports to XXXX also the loan department of XXXX has my info but the tpd doesnt. On my credit report they are both reported as opening on the same day month and year. My original loan was XXXX and it was consolidated. I only went to college for one semester from XX/XX/XXXX to XX/XX/XXXX. Also reliant a new company only contacted me XXXX times so they say but Ive never heard of them before I reached out to them but it was during this pandemic when I did because thats when I found out they said they reached out last in XX/XX/XXXX but I wouldve known if they had but I also dont receive my mail from the social security office either and I know they have proof but I dont know or understand whose record they put my tpd under. Some schools just arent for XXXX people.
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| 06/23/2019 |
Yes |
- Student loan
- Federal student loan servicing
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- Struggling to repay your loan
- Can't temporarily delay making payments
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Web |
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First of all my name is XXXX XXXX not XXXX XXXX XXXX as all the bills refer to regarding my student loan. I attended XXXX XXXX College back in XXXX and I already paid off one loan and now I am told I have a Federal Perkins Loan in default. I had resolved this issue with a company that represents this school but I was forced to pay {$70.00} for 9 consecutive months and once I did that I was being charged {$40.00} a month. Unfortunately, I was unable to pay and the agency was unable to help me, which I thought was odd. I was not able to pay and my loan went to default. I believe I might have been dealing with a scammer company because all of a sudden I get notices from another loan servicing representing this same school and charging me over {$6000.00} when the loan is only for {$3000.00}. I never heard back from the other loan servicing company who was taking my money every month. I called the school directly and they tell me to contact the loan servicer. I refuse to pay anything to this company who sends me bill notices with PO Box addresses and misspelled words and just seems fraudulent. I am now in default and I don't know why if I have been attending school more than half time. Please help me. The First company I dealt with was call Reliant Capital Solutions but we dealt with over the phone and emails ... I never received any bill from them directly. This new company is XXXX XXXX XXXX XXXX.
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| 04/02/2018 |
Yes |
- Student loan
- Federal student loan servicing
|
- Dealing with your lender or servicer
- Problem with customer service
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Web |
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In XX/XX/XXXX, I attempted to get out of default by entering a rehabilitation program ( 9 month program ). A title 4 was reinstated to my account after 6 months, I failed to make the other 3 months so I had to start over. They never asked me to resubmit my XXXX and Rehabilitation Agreement. In XX/XX/XXXX, I began making payments again and completed the program in XX/XX/XXXX, I asked the representative on the phone what the next step was and did I have to make anymore payments. He said No, you dont have to make anymore payments to us. Your loan is out of default, just wait for the next loan servicer to contact you. They will arrange your payments from here on out. That loan servicer is Reliant Capital Solutions, they didnt send me any mail or correspondence until XX/XX/XXXX. When I contacted them, they told me my loan had redefaulted and I should call the Dept. of Education. I spoke to 5 different people, all of which said different things as to why it was redefaulted. The representative I spoke to in XX/XX/XXXX gave me false information. Thus creating this massive problem. All 5 representatives I spoke to confirmed that I was correct and they made a mistake. Their solution was to have me start off the rehabilitation program and pay until Im out of default. They offered no assistance in the massive issue they created and Im graduating college a full year later because of their mistake.
|
| 03/11/2020 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
For 10 years a collection agency, Reliant Capital Solutions, XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, acting on behalf of the state of XXXX, has been trying to collect unpaid income taxes for XXXX in the state of XXXX.
I have not lived in the state of XXXX since XXXX. I have sent this company W-2s from my employers for XXXX showing that I lived and worked here in XXXX XXXX. I have sent this collection agency a letter from the power company showing that service was provided to me throughout XXXX here in XXXX XXXX. I have sent his collection agency paper copies of my power bills in my name at a XXXX XXXX address in XXXX. I have sent this company EVERY SINGLE paycheck stub ( 26 ) showing I was living and working full time here in XXXX in XXXX. I have sent this company letters of employment verification from my employers during XXXX saying that I was living here in XXXX XXXX. I have sent this company a statement from my pension manager showing they reported me working full time here in XXXX XXXX in XXXX.
For whatever reason they will not accept any of this documentation or tell me they never received parts of it. I have sent all of these documents to them multiple times ( mail, fax, email ) over the course of 7 years! Now they are trying to garnish my federal tax return.
This needs to stop. Its getting way past the point of harassment. This has been going on for 10 years!
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| 10/12/2023 |
Yes |
- Debt collection
- Private student loan debt
|
- Written notification about debt
- Didn't receive notice of right to dispute
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|
Web |
Servicemember |
|
The calls from XXXX XXXX XXXX have come regularly since XX/XX/2023. Each time they call I aske them to send me the XXXX XXXX and/or any documentation about the debt they said I owe. I've never received any information. On Tuesday, XX/XX/2023 I decided to call Reliant Capital Solution myself and see if I could obtain any information. The following things took place : XXXX. ) I verified who I was with my PII. ( XXXX XXXX XXXX ) XXXX. ) Once I that was completed the gentleman asked why I was calling. I let he know I wanted more information and documentation about my debt.
XXXX. ) He then asked me did I see the debt on XXXX XXXX. I said yes. He told me that they are not always accurate with their information.
XXXX. ) He then said well I pull up the credit bureau reports so we can verify the debt.
XXXX. ) He then asked me for my credit card information, so they can charge me {$1.00} to get the reports.
XXXX. ) I asked him why do you need my credit card information. He told me this way we can verify your debt and try to save you some money.
XXXX. ) I then told asked him, if XXXX XXXX XXXX has bought my debt why can't you tell me what I owe? He can't going on about how he was trying to save me money and never provided any information.
I felt like he was trying to get my Credit Card information to charge my card for the whole debt without my consent.
|
| 05/02/2021 |
Yes |
- Debt collection
- Federal student loan debt
|
- False statements or representation
- Attempted to collect wrong amount
|
|
Web |
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I attended the University XXXX XXXX University online fall 2020. I received a unsubsized loan and subsized loan from the Department of education. I currently have a XXXX gpa at the school. I received an email on XXXX XXXX stating I have a balance and they were sending it to a collection agency. I email XXXX XXXX back and stated that my balance is handles by loan servicer. These are not private loans are money given to me the school. The loans are already included in my educational loan debt. I even verified by accessing my national student loan data and speaking with my loan servicer. So the XXXX XXXXXXXX XXXX sent my information to a collection agency anyway. Im assuming the collection agency obtained my phone number from the school the called several Times in a XXXX period I explained to one of the representatives at reliant that those arent private loans they were issued by the department of education. I the unknowingly received an email from the collection agency that I didnt even give my email to stating they send over the information I requested I didnt request any information because I can see my study account even on the statement it shows I received loans which are serviced by XXXX XXXX. The company is desperately trying to collect money that they dont have a right to collect and so is XXXX University XXXX XXXX
|
| 03/23/2020 |
Yes |
- Debt collection
- I do not know
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
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Education loan opened without me being present to open it on campus with financial aid office. Previous attempts of retaliation by XXXX through collection agency we're removed by CFPB ( should have record ). XXXX has not responded to validation request to restart original payment plan from XX/XX/XXXX at present income allowance via income based repayment.
I received notification about seven days ago that my credit had changed and had not noticed it until today the XX/XX/XXXX. This is an additional attempt by XXXX to extort funds in retaliation for a Title IX investigation that was opened by me due to behavior of people that were living in our dorms. I was asked to leave campus and have not been back to open any education loans nor have my attempts to follow through with those efforts been responded to by those who initiated the order from me to not to resolve matters, in person, on campus.
Reliant Capital Solution is requested XXXX which I believe XXXX was looking for XXXX originally and they have no responded to my certified letter.
To my knowledge I have not taken out any new education loans with Reliant Capital Solution nor XXXX in XXXX. The only debt I had with them was in XXXX Cashier 's office from XX/XX/XXXX and it was on an on/off payment plan due to me being homeless at the retaliation of the school.
|
| 01/09/2019 |
Yes |
- Debt collection
- Private student loan debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
I have filed several complaints with CFPB, and now there is another debt collection agency trying to collect for the same invalid debt. This company is called XXXX XXXX XXXX XXXX. I have not gotten a tax refund since XX/XX/XXXX, because XXXX and the Department of education have been keeping my refund every year. I had a {$2500.00} loan in XX/XX/XXXX, and it was discharged because the school closed due to improper record keeping and faulty aka fraudulent student loans the school was conning students into signing. In XX/XX/XXXX I was part of the class action suit against XXXX XXXX. None of these debts have EVER been on my credit report, and the XXXX XXXX was so old it's has long ago since been removed from reports. All of this fraudulent student loan stuff with the debt collectors & whatnot started in XX/XX/XXXX, right after Trump took office. I have documentation of every phone call ie : dates, times, names, etc since it started. I also have added up the amount of money taken from me from my tax refunds over the years and it adds up to a bit over {$10000.00}. I want my money back that has basically been stolen/embezzled from my tax returns for the past decade. I am more than willing to provide any info or documentation needed. 11 years for a charged off to begin with {$2500.00} debt from XX/XX/XXXX is XXXX.
|
| 04/23/2019 |
No |
- Student loan
- Federal student loan servicing
|
- Dealing with your lender or servicer
- Don't agree with the fees charged
|
|
Web |
|
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I went to XXXX College back in XXXX for XXXX XXXX XXXX. I had taken most of my classes, I ended up taking a small break for a couple of months. Once I returned to XXXX College to try to complete the one class that I have left before receiving my XXXX XXXX, they informed me that the major no longer existed. They had done away with XXXX XXXX XXXX field because of other people had a hard time finding a job in that field, also to work in that field it did not require a person to have a degree in it. Therefore I never graduated, neither was I able to find a job in that field. Shortly after that the school closed down completely due to money issues. I later found out that I was in default and that I had been sent to a collection agency in which they told me that I owed them more than XXXX .... I started paying Reliant Capital Solutions immediately as of XXXX of XXXX. The department of Education informed me that I was ok to file my income tax for XXXX. They told me that my income tax would not be offset because I had already made 5 or more payments towards it. Once I filed my income tax they took the whole thing from me despite of what they said. As of now I have no income tax, no degree, and I still owe close to XXXX with the payments that I am making every month for a school that has been closed down.
|
| 12/07/2022 |
Yes |
- Debt collection
- Private student loan debt
|
- False statements or representation
- Attempted to collect wrong amount
|
|
Web |
Servicemember |
|
I have sent numerous emails and called many times in order to dispute the debt this outstanding with XXXX XXXX XXXX. On numerous occasions, I have tried to get a hold of someone via the phone as I was XXXX XXXX from XX/XX/XXXX to XX/XX/XXXX in XXXX for the XXXX. Additionally, when I was transferred to XXXX for my XXXX XXXX XXXX I attempted a few more calls. I was advised that I could only speak to one specific person in regard to my account. Since I stopped going to this I have tried to get what I owe the balance of {$2400.00} which was opened on XX/XX/XXXX. This account also has been placed on my credit report and this school is preventing me from completing my education because of this hold. I tried to resolve this debt and made inquiries as to what this debt is for. The school and its representatives refuse to answer my questions or respond to my calls/emails. I do know that I dropped XXXX classes in which one I was advised did not cost me anything and then the second one was already funded by the XXXX XXXX Assistance program in which I had to pay the XXXX back {$1000.00} for failing to drop the class in time. Is this how XXXX XXXX get treated even after becoming XXXX XXXX XXXX The Veterans Affairs has XXXX my prior student loan debt but XXXX XXXX wants to continue to hold back my education.
|
| 12/24/2020 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Account status incorrect
|
|
Web |
Servicemember |
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XXXX XXXX and XXXX XXXX, on Behalf of Themselves and All Others Similarly Situated, Plaintiffs, v. GREAT LAKES EDUCATIONAL LOAN SERVICES , INC., EQUIFAX INFORMATION SERVICES , LLC, TRANS UNION, LLC, EXPERIAN INFORMATION SOLUTIONS , INC. and VANTAGESCORE SOLUTIONS, LLC, Defendants. Case No. CLASS ACTION COMPLAINT ( I ) Violations of the Fair Credit Reporting Act, 15 U.S.C. 1681, et seq. ( II ) Violations of the California Consumer Reporting Agencies Act, Cal. Civ. Code 1785.14 ( b ) ( III ) Violations of the California Consumer Reporting Agencies Act, Cal. Civ. Code 1785.25 ( a ) ( IV ) Violations of the California Unfair Competition Law, Cal. Bus. & Prof. Code ************* ( The US Department of Education is continuing to report my student loans as derogatory on my credit report. As a a result of Presidential decree my loans are in CARES Act ADMINISTRATIVE forbearance through XXXX/XXXX/2020. However, they are neing reported as open and past due on XXXX. This resulted in my being denied housing during the pandemic by XXXX XXXX use of an XXXX credit report. I ask that they immediately update this reporting. The Coronavirus Aid, Relief, and Economic Security Act or, CARES Act, was passed by Congress and signed by President Donald Trump on XX/XX/2020. I will be a member of the class action above.
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| 11/21/2016 |
Yes |
- Debt collection
- Federal student loan
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- Communication tactics
- Frequent or repeated calls
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Web |
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-In the initial phone call I was told my debt was somewhere around 3500 ( I do n't remember the exact number ).
-I was originally set up with a payment plan to pay off my debt.
-I kept getting statements from the every month but it did n't seem that my balance was going down any.
After calling and asking why my balance was n't change is when I was told about the " bill collector fee. '' I was NOT informed about this in the beginning.
-After a year of paying religiously I was told I had start paying more because my 12 months was up ( I was never informed that I could only make payments for 12 months. ) I told them I would get back with them in a week or so with how much I would able to raise my payments. They called back after 2 weeks and told me I HAD to pay my debt in full.
-I asked several times for documentation stating where I said I could only make payments for 12 months. I also asked for documentations stating why all of a sudden I had to pay it in full.
-They kept calling me while I was working and I told them they needed to stop calling me during this time. Yet I continued to get several phone calls. When I finally answered one and told them I had asked several times for them to stop calling me while i was at work, I was called a liar.
-I feel threaten, harassed, and lied to.
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| 05/19/2018 |
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 |
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This is in response to a previous complaint filed against XXXX XXXX XXXX.
Reliant responded to my complaint and claimed that I wasn't a party to the complaint.
unfortunetly Reliant is wrong. I was given permission to speak on behalf of my daughter and discuss the debt on XX/XX/2018 when XXXX XXXX and I were on the phone with my daughter WHO granted verbal permission from me to discuss the debt. The entire conversation is recorded.
Regardless, Reliant has not provided notification of the debt AND YET are trying to collect.
this is a FDCPA violation. Also Reliant claims to have forwarded my information regarding the debt to XXXX XXXX unfortunately this is a lie. Provide me the name of the person that Reliant spoke to regarding the documentation that was sent. They have not forwarded anything to XXXX. I have spoken to several different people at XXXX XXXX and they informed me that they notified Reliant not to pursue collection,.
Threatening to report a debt to a credit bureau even prior to receiving the actual debt is a violation. it is a threat. If I am not reimbursed for the violations in question I will file a lawsuit against reliant and they will be liable for consumer violations and will pay my attorneys fees and costs in addition they have caused a burden on myself and my family.
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| 12/28/2022 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
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- Improper use of your report
- Reporting company used your report improperly
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Web |
Servicemember |
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XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX : DELETIONS TO CREDIT REPORT To Whom It May Concern : I received a copy of my credit report and I'm disputing some items that need to be deleted. l have highlighted and numbered these disputed items on the attached copy. The reasons why these items should be deleted are indicated below : Items : XXXX XXXX Account Number : XXXX Balance : {$260.00} RELIANT CAPITAL SOLUTION Account Number : XXXX Balance : {$1800.00} Reason for Deletion According to the provisions of the Fair Credit Reporting Act '611 ( a ) [ 15 USC 1681i ( a ) ], these disputed items must be reinvestigated or deleted from my credit record within XXXX days. During the investigation period, these items must be removed from my credit report as the mere reporting of items prior to debt validation constitutes collection activity. I am also requesting the names, addresses and telephone numbers of individuals you contacted during your investigation.
Please notify me that the above items have been deleted pursuant to " 611 ( a ) ( 6 ) [ 15 USC ' 1681j ( a ) ( 6 ) ]. I am also requesting an updated copy of my credit report, which should be sent to the address listed below. According to the provisions of " 612 [ 15 USC ' 1681j ], there should be no charge for this report.
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| 04/09/2018 |
Yes |
- Debt collection
- Private student loan 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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I have graduated college ( XXXX college ) XX/XX/2016, and I didn't own the college any money. Shorty after, about a year after I started getting phone cals from college after I already graduated and received my college diploma. The phone calls from the school said that I own the school {$3700.00}. At first I thought it was my loan which I already repaid it so I just ignored it, but shorty after I received a phone call from collection agency that were telling me if I don't pay this, they will ruin my credit score. I went to school to find out what is going on and the financial advisor told me that one of the semesters XXXX didn't cover me and therefore now I'm responsible for this payment. I feel this is wrong because when I took the classes, the school told me I don't have to pay anything. If they told me at this time I will need to pay this amount I would most likely take this classes in a XXXX school since it is cheaper there. Now the school doesn't want to help me get to the bottom of this because they said now I have to deal with collection agency. Im a single mother and make {$1200.00} and can't pay this amount. Collection threaten to ruin my credit t. The collection agency never send me any letters, only phone calls so I don't have any documents to attach.
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| 01/07/2019 |
Yes |
- Debt collection
- Federal student loan 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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Government shutdown responses via the following two websites are allowing Federal Student Aid, FTC, US Department of Education, XXXX, and various collection agencies to sidestep their fraud. Reliant Capital Solutions , LLC and various other collection agencies tampered with an original letter issued by US Department of Education and promissory notes in effort to gain monetarily in an illegal manner. Individuals took records out of a XX/XX/XXXX Bankruptcy proceeding and abused it.
XXXX XXXX XXXX ( trustee ) was contacted in XX/XX/XXXX regarding the Bankruptcy records on this issue. The complainant was told that the record had been gone for many years ; thus, even more reason to believe that collection agencies and US Department of Education and their affiliated collection agencies - whom remain unresponsive ; are intentionally causing financial damage to cover up their identity theft and fraud.
Collection agencies can not make decisions on their own on student loan debts and neither can US Department of Education. There is no such thing as an informal review when tax refund offset is involved, it is a financial process. We do not have wage garnishment related to student loans in this country. You can't even do what you are doing without notifying students.
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| 06/25/2021 |
Yes |
- Debt collection
- Private student loan 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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My dispute process with Reliant Capital Solutions dates back to almost a year ago, when I received a voicemail on XX/XX/XXXX, from a company representative named XXXX XXXX regarding an alleged debt they are attempting to collect. I immediately responded by mailing a cease and desist dated XX/XX/XXXX. I asked that all communications be sent via postal mail only and that they send any information related to this account to verify the account. I received a response dated XX/XX/XXXX with an alleged account printout, but no real information to confirm their right to do any type of business with me. I sent Reliant Capital Solutions an offer to settle this account on XX/XX/XXXX, which was ignored by Reliant. I allowed over 30 days for a response before I sent another letter dated XX/XX/XXXX, asking for more information to verify the account. I received a response dated XX/XX/XXXX, with the exact same document submitted in XXXX and no new information. I understand mistakes happen, so I took the opportunity to send another settlement offer to Reliant dated XX/XX/XXXX. Another 30 days has passed with my communications being ignored. My intention is and has always been to resolve this outstanding account because it is causing harm to my credit report.
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| 04/05/2018 |
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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In 2014 I sent numerous emails to my advisor at XXXX XXXX XXXX University. I was a new student attending classes online. It was an attempt to complete my degree after a XXXX XXXX XXXX. Within a week I knew I had bitten off more than I could chew. I emailed stating that I wanted to drop my classes because I wasnt able to keep up and was having bad headaches. I received a response that I could take my time with assignments and drop one of the classes. My response was that I wanted to drop all classes and continue at a later date. My body was telling me that I wasnt ready, and the stress of the quality of the work I put forward was unnecessary to deal with. I sent many emails and left a message asking for my classes to be dropped. If I were able to drop them on my own I would have. I didnt hear anything back until after the cutoff deadline. I was I informed that if I withdrew Id be responsible for paying the tuition because it was after the drop deadline. I emailed stating that wasnt fair as I had attempted to withdraw before the deadline, and I was unemployed so had no way to pay the tuition. Thus why I was receiving Financial Aid. I wasnt withdrawn from classes and I didnt attend either. Account was sent to collections for XXXX
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| 07/20/2017 |
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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I discovered a lien on my credit and after calling around for hours was able to find out that it was levied by the State of Ohio due to issues with filing in 2014. Reliant Capital Solutions was supposedly employed by the state to collect on this debt. Reliant Capital Solutions refuses to acknowledge that I have worked with the State of Ohio to resolve this issue and insists that I owe over {$2000.00}! In actuality, the State owes me {$160.00} for tax year 2014. XXXX ( refuses to give last name ) at Reliant treats me extremely poorly and refuses to acknowledge that I do not owe monies to the state. His only concern is when will I send him a check in excess of {$2000.00} to remedy the debt ( which I do n't even owe ). Please check with the BBB and run a XXXX reviews search to see dozens, if not hundreds of similar complaints. I believe reliant is a fraudulent company and they should be investigated. I guarantee they are breaking laws and praying on innocent people who do n't know better than to contest the claims of this company. Please investigate them and put and end to this extortion! ( I have attached copies of my 2014 XXXX and state tax filing to confirm my report. )
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| 05/10/2023 |
Yes |
- Debt collection
- Other debt
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- Communication tactics
- Frequent or repeated calls
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Web |
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I have been receiving up to XXXX phone calls a week from Reliant Capital regarding a debt from XXXX that I disputed with the school. I never agreed to pay the amount in the first place with the school but the debt collector is calling repeatedly up to 3 times per day. When I answer the phone they do not speak, just silence every time. They call while I am working as well as when I am home. I have asked them to stop calling, they wait a few days and start again.
Just from this past week I have records showing they have called : XX/XX/XXXX : XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX.
When I do answer their calls, again which are excessive to say the least, they do not say a word. I have sat on the phone for periods of time to see if someone responds, they do not. I called back in right after today and was immediately informed it was regarding a debt, they did not verify who I was, just assumed. They did not ask my name, just stated it and the debt that I owed. This occurred at XXXX today on XX/XX/XXXX.
Between the dates of XX/XX/XXXX to XX/XX/XXXX I received XXXX phone calls from them as well.
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| 02/24/2020 |
Yes |
- Debt collection
- Private student loan debt
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- False statements or representation
- Attempted to collect wrong amount
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Web |
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I had first heard from this company around XX/XX/XXXX. I had not prior heard from anyone else concerning student loans. They turned me into the Department of Treasury for Federal offset student loans that were non federal but on a Federal promissory note. I had asked them several times over the course of XXXX to show me how i owe federal student loans or any loans they just kept sending a statement and this promissory note. As you look at the promissory note there is many questions as it appears information was just transposed on a Federal form to deceive the Department of treasury. I was withdrawn from XXXX University XX/XX/XXXX yet they have May loans listed starting XX/XX/XXXX. This whole situation is an absolute mess why did they wait 10 years to start this any private loan which I did not receive would be out of the statute of limitations so is that why information was then transposed to a Federal form. If you look at the information on the form there is nothing federal about it XXXX XXXX is a private entity as was XXXX XXXX I just want some answers and the truth told to the Department of Treasury who did in fact take my taxes based on false information.
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| 10/26/2023 |
Yes |
- Debt collection
- Private student loan 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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Greetings I am reaching out because I recently received a notification that there has been a derogatory mark that has been included in my credit report by Reliant Capital. To start I have no direct or indirect knowledge or contract with this company for them to be attempting to collect an alleged debt. Additionally I did not receive a letter to dispute or deny this alleged debt which is a violation of the FDCPA. Another violation committed by Reliant Capital is the violation of 15 USC 1692c ( a ). This company did not have my prior consent to contact me, a federally protected consumer nor was there a judgement from a court of competent jurisdiction. As noted there has been an item added to my credit report meaning this company is in violation of 15 USC 1681b as there was no permissible purpose for the company to be reporting. Lastly if there is an arbitration agreement, there must be a meeting of the minds prior to any adverse actions being taken. I request that Reliant Capital be held liable for their unfair and deceptive practices and violations of federal law. Arbitration or filing suit will also be an option for me if no resolution is found.
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| 04/29/2022 |
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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Both XXXX XXXX XXXX and some company called XXXX XXXX continue to pursue me for an alleged debt ( which I dispute the validity of ) that is past the statute of limitations in the XXXX XXXX XXXX XXXX XXXX XXXX continues to hold my student records and transcripts and sends my information to this company every time I try to resolve issues with my unfinished degree. They're now sending e-mails to accounts that other parties other than myself have access to and disclosing the alleged debt amount in said e-mails. The alleged debt is from nearly a decade ago. It is no longer on my credit report, and I continue to dispute it. I have not had any success in resolving this issue with them. I tried to speak to them about this in person back in 2013 but the woman in the office used a XXXX slur about my XXXX background and appearance, so I have not felt comfortable speaking to them in person about this since. I've tried other methods, but keep running into walls. I do not know what to do. Will they be contacting my grandkids to tell them about this as well? I just wonder when it will end.
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| 05/22/2019 |
Yes |
- Debt collection
- Auto debt
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- Communication tactics
- Frequent or repeated calls
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Web |
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I had a repo 10 years ago, which my credit was affected deeply by this but I had been laid off from my job at the time. This stayed on my credit for over 7 years. Now they sent legal notice to my employer to garnish my pay which has been for over a month now so Im being re-punished again which I understand Im hardly making ends meet but again I understand its a debt I must face. The major problem is the company has called several branches of my employer in a very rude and nasty form as if everyone who answers the phone is me threatening them and telling them my personal business. My employer is sort of a franchise partner of the company and they call on a daily basis through out the day and threatening them all the time in regards to my debt with them. My boss is getting called and complaining that they are calling all over the state of Florida in regards to one of his employees. Quite frankly its very embarrassing not only for me, but for those that are being threatened on my behalf. The company is Reliant Capital and their representative is XXXX XXXX.
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| 07/04/2016 |
Yes |
- Debt collection
- Non-federal student loan
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- Disclosure verification of debt
- Right to dispute notice not received
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Web |
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I have a a unverified account from Reliant Capital SolutionsLLC. I had previously disputed this account. I have never done business with Reliant Capital SolutionsLLC. Pursuant to the Fair Debt Collection Practices Act ( FDCPA ) 15 U.S.C.1692g, I dispute the validity of the debt purport I owe. I request that Reliant Capital SolutionsLLC Provide verification of the following : 1. ) The original Application or contract ; 2. ) Any and all statements allegedly related to this debt ; 3. ) Any and all signed receipts ; 4. ) Any and all canceled checks ; 5. ) Original date of default and collection activity begin 6. ). Whether you purchased the debt, and if so, the amount paid for the debt 7. ) The date ( s ) the debt allegedly accrued ; 8. ) An itemization of the costs, including an accounting, for any additional interest, charges, or other fees placed on this account. I want to request that Reliant Capital SolutionsLLC Cease and Desist all further communications and collection actives and provide the verification of the purported debt.The account Number XXXX
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| 04/11/2019 |
Yes |
- Debt collection
- Federal student loan debt
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- Attempts to collect debt not owed
- Debt is not yours
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Web |
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XX/XX/2019 To whom it may concern : I need your agencys assistance, yesterday I received a bill in the mail from a XXXX XXXX XXXX XXXX, and this debt collector is charging me for a fraudulent debt that I do not owe.
They are claiming that as of XX/XX/2019, I owe a balance of {$270.00} to a XXXX XXXX XXXX University, and their claims are totally false, as well as fraudulent.
I have no outstanding educational debts what so ever, and I want this collection agency to remove this fraudulent debt off of any fraudulent file that they have created in my name, and I also want them to remove any false fraudulent information that they have placed on my credit files.
I dont owe this debt, and I am not paying this collection agency, a dime, and I am writing your agency so that you can also investigate as to whether this collection agency is also billing others for fraudulent school debts.
I want something in writing from this collection agency showing that this bogus debt has been removed from their files, as well as from my credit files, immediately.
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| 10/25/2019 |
Yes |
- Debt collection
- Private student loan debt
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- Attempts to collect debt not owed
- Debt was paid
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Web |
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I paid all money owed to XXXX XXXX College on time. They lost checks and charged additional late fees and held my transcripts until I paid. I ended up overpaying them {$100.00} because of their accounting error and when notified they sent me a check for {$100.00}. In early XXXX I received a notice from Reliant Capital Solutions that I was sent to collections for {$100.00}. I sent Reliant Capital Solutions all the supporting payment documents showing all debt was paid and saying not to contact me further. I received another letter XX/XX/XXXX with an incorrect ledger card with a {$100.00} balance.
Here are a list of my payments on original debt of {$830.00} : XXXX {$100.00} XX/XX/XXXX {$200.00} XXXX {$100.00} XXXX {$100.00} XXXX {$430.00} for a total of {$930.00}. A refund was issued by XXXX XXXX College for the over payment of {$100.00} but they have still sent me to collections. The attached ledger card is from XXXX XXXX College shows the over payment. This is not the same ledger card the debt collector has sent which is also attached.
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| 09/27/2023 |
Yes |
- Debt collection
- Private student loan debt
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- Communication tactics
- You told them to stop contacting you, but they keep trying
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Web |
Servicemember |
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I attended XXXX XXXX XXXX in XXXX on the XXXX XX/XX/XXXX XXXX. The University claims that I owed them {$2700.00} for amounts not paid. According to records obtained from the Department of Veterans Affairs, the amounts owed were paid in full at the time of attendance. I have screenshots of the amounts paid by the XXXX. and the amounts that the University claims were paid. The amounts do not match. It seems that the University 's records are missing payments. I received a letter from Reliant Capital Solutions , LLC. on XX/XX/XXXX, claiming I owed them the amount referenced. I sent an email stating that I was disputing the claim and that they were not allowed to contact me, by law, until the debt had been validated. I received a follow up email from them on XX/XX/XXXX, at XXXX, stating they had received my request and they were suspending any collection until validated by the University XXXX On XX/XX/XXXX, at XXXX, I received a phone call from the collector. I let it go to voicemail, but they did not leave a message.
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| 05/17/2018 |
Yes |
- Debt collection
- Other 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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I have a a unverified account from Reliant Capital Solutions LLC. I had previously disputed this account. I have never done business with Reliant Capital Solutions LLC. Pursuant to the Fair Debt Collection Practices Act ( FDCPA ) XXXX XXXX, I dispute the validity of the debt purport I owe. I request that Reliant Capital Solutions LLC Provide verification of the following : 1. ) The original Application or contract ; 2. ) Any and all statements allegedly related to this debt ; 3. ) Any and all signed receipts ; 4. ) Any and all canceled checks ; 5. ) Original date of default and collection activity begin 6. ). Whether you purchased the debt, and if so, the amount paid for the debt 7. ) The date ( s ) the debt allegedly accrued ; 8. ) An itemization of the costs, including an accounting, for any additional interest, charges, or other fees placed on this account. I want to request that Reliant Capital Solutions LLC Cease and Desist all further communication 9. ) This account is a XXXX violation.
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| 02/11/2020 |
Yes |
- Debt collection
- I do not know
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- Threatened to contact someone or share information improperly
- Contacted your employer
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Web |
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On XX/XX/2020, sometime before XXXX XXXX, XXXX XXXX called not only my employer, but the office of the Director at my place of employment for the city of XXXX on behalf of Reliant Capital Solutions. She did not call with questions attempting to identify my location. This company is not the original debt owner. She identified her employer without being asked. My place of employment does not allow personal calls at work. It prohibits personal calls on work time. I was notified via an official email from my Director 's personal assistant. I do not wish the stress caused by this blatant invasion on privacy and violation of the FDCPA amongst other violations. If I lose my job, I will surely sue for lost wages.This account is not even reported on my credit report. I have not ever received any written documentation from this company prior to the escalation of calling the Top office for the company I work for. This is blatant harrassment! An official cease and desist letter has been sent.
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| 09/07/2016 |
Yes |
- Student loan
- Non-federal student loan
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- Dealing with my lender or servicer
- Don't agree with fees charged
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Web |
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Reliant Capital Solutions LLC XXXX, OH XXXX I was checking out my credit report and found this collection on all XXXX reports from your company. I called XXXX XXXX to get my unofficial transcripts and found out I went to that school from XXXX XXXX to XXXX XXXX. According to the school, when I signed up for a class is when the debt started.
This account that this company holds is over 4 years old and as such is over the California Statue of Limitations for debt collection. This date your company has that it was opened is also wrong - the date Reliant put on my credit reports for opened date is XXXX, XXXX. I do not have a promissory note for this debt. There are many inaccuracies in all XXXX of my credit reports.
As such, I request that you close this old debt out and remove it from my credit score by all XXXX credit reporting bureaus. I am also sending all copies of what you received to all XXXX credit reporting agencies and the Federal Trade Commission Fair Debt Collection Act.
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| 05/30/2018 |
Yes |
- Debt collection
- Federal student loan debt
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- False statements or representation
- Attempted to collect wrong amount
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Web |
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At the end of XX/XX/XXXX, I went through a very nasty divorce that brought financial burden on me and lots of instability by making me change my residence 5 times in 2 years and lastly ending up living in my car for 8 months. Despite all these events, I was able to secure employment and an apartment. Meanwhile, the Student Loans were sent to a collection agency that imposed very high collection fees. On a debt of $ XXXX, the agency added $ XXXX.in collection fees. I called the collection agency on two occasions ( XX/XX/XXXX & XX/XX/XXXX ) and wrote them once ( XX/XX/XXXX ) in hopes to lower or remove the collection fees, but they refused. On the contrary, they mentioned that the collection fees will be going up every month if there is no payment received on the entire balance due of {$31000.00}. For 8 months, I lived in my car during XX/XX/XXXX-XX/XX/XXXX. How can I have {$31000.00} in my back packet to pay them when I need to pay rent and secure food and shelter for myself?
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| 03/15/2018 |
Yes |
- Debt collection
- Federal student loan 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 |
Servicemember |
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Reliant Capital Solutions LLC contacted me to collect a debt in XXXX of XXXX, gave me the impression they were handling the collections for the Department of Education. Company said that if I set up payment it would keep my loans from being in default and my tax return from being offset. I set up payments in the amount of {$50.00} a month and have been paying ever since. I received a notification offset from the IRS and called to inquire. The IRS informed me no payments had been reported. I called Reliant Capital Solutions on XX/XX/XXXX to inquire and they stated that they do not report to the IRS or the major credit bureaus, and that if I stopped payment they would report it to the IRS as bad debt and file suit. I set up legitimate payments with another company in XXXX of XXXX, who states they have the full amount of my student loan debt. I'm worried I've been paying Reliant Capital Solutions and the money has not been applied to my ballance.
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| 11/08/2019 |
Yes |
- Debt collection
- Federal student loan debt
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- False statements or representation
- Attempted to collect wrong amount
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Web |
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This company Reliant Capital Solutions has attempted to collect a debt located at XXXX XXXX XXXX XXXX XXXX, XXXX has performed shady practices to attempt to collect a debt without due process. They immediately informed my employer to deduct the amount of monies from my wages through a garnishment when I rejected their offer and do not have a contract with them.
Now as of XXXX they have told my company XXXX located at XXXX XXXX XXXX XXXX located at XXXX Virginia XXXX to perform the wage garnishment to collect on someone else 's behalf that Reliant Capital Solutions has brought to collect and failed to produce the contract that states I agreed to it when I have not agreed to any of their contracts or for their services at all. They have asked my employer XXXX to perform the wage the garnishment which I informed in writing via certified mail to Cease and Desist their actions which they have not and its causing me a great deal of hardship.
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| 12/28/2015 |
Yes |
- Debt collection
- Non-federal student loan
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- Cont'd attempts collect debt not owed
- Debt was discharged in bankruptcy
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Web |
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All of my Student loans were discharged, not in bankruptcy, but because I had been in and out of XXXX and was completely unable to pay. I am still unable to pay the 1983 debt they are attempting to collect now. It was not a Federal student loan as depicted, but a collection of fees from university of XXXX for things like parking tickets. The debt is decades past statute of limitations. This company keeps trying this with me under different names such as XXXX, trying to get me to make a payment thus obligating myself legally to whatever inflated amount they choose, because it worked once and I 'm still paying them. They are likely doing this to multiple people and need to be investigated. They have changed the name of their business again. I 'm sure if this amount was paid, they would come after me again with yet another moniker to collect under. This debt is both misrepresented as Federal and well beyond statute of limitations.
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| 10/19/2022 |
Yes |
- Debt collection
- Private student loan 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 am a 100 % XXXX veteran. My total college debt was dismissed in early XXXX as a result of my XXXX. The debt in question, was on my reports 2 years ago, because XXXX XXXX sold the debt to another collection agency who attempted to collect on the debt, but were unsuccessful because it was determined the debt was 7 plus yeas old. As a result, it was removed by all three credit bureaus.
The debt is a Stafford loan debt. Stafford Federal Student Loans stopped offering student loans since XXXX. XXXX XXXX as well as Reliant Capital Solutions have both changed the dates on the debts and were able to put it on my credit report. I graduated from XXXX XXXX in XXXX ( I can forward a copy of my degree ). I also have a copy of the original Stafford loans ' promissory note, dated XXXX. I had graduated by then. Again, thr dates were altered to enable them to sell it to a collection agency.
I can provide supporting documents upon request.
|
| 11/20/2017 |
Yes |
- Debt collection
- Other debt
|
- Took or threatened to take negative or legal action
- Threatened to sue you for very old debt
|
|
Web |
|
|
Received two calls from Reliant Capital Solutions - I called today XX/XX/17 to see what this issue was about. My name is XXXX XXXX at XXXX XXXX XXXX XXXX XXXX, PA XXXX. When I called the " gentleman '' back at XXXX XXXX he told me it was an old debit from XXXX University . Told him I believe the amount they have is incorrect and as soon as he submits a debit letter to me I will review it and get back to him in writing on how to resolve this problem. He immediately started with tactics about where I work and threatened my assets - For the record I was not stating I did not or was not will to workout something for this debit, but he was right away threatening and she started to use tactics that I know are illegal. I did tell him I only wanted to contact him my written communication. I thanked him for his time and hung up. I do not like being bullied, especially since I took the time to try and resolve this in a peaceful manner.
|
| 05/16/2018 |
Yes |
- Debt collection
- Federal student loan debt
|
- Attempts to collect debt not owed
- Debt was paid
|
|
Web |
Servicemember |
|
I received a letter from this agency on XX/XX/XXXX as I was the co-signer on my daughters student loan. My daughter had told my prior that the IRS sent her e letter stating that they held $ 5500+ to cover her outstanding student loan. I called Reliant and they said that it takes some time for the money to catch up but that she saw where the money was garnished. She told that it would be taken care of and I wouldnt hear from them any more. On XX/XX/XXXX my wifes phone received a call from Reliant asking for me. The collector then tried to dunn me for the balance. I explained the same as I did the prior week and she told me that until they receive the money that collections would continue. I asked why not place on hold until the IRS remits to them. She again said that collections would continue. She said the first collector wouldnt know that the money is garnished. One way or the other one of these collectors is lying.
|
| 11/12/2017 |
Yes |
- Debt collection
- Private student loan debt
|
- Communication tactics
- Used obscene, profane, or other abusive language
|
|
Web |
Older American |
|
On Friday, XXXX XXXX, 2017, around XXXX, XXXX , XXXX Ext XXXX, from Reliant Capital Solutions elected to locate my grandaughter 's, associated with my grand daughter to call my home demanding to speak with my grand daughter.
I played the game to attain info to report. My daughter has a college debt, she is paying down accordingly. This XXXX guy noted I WILL 'NOT SPEAK WITH ANYONE ' BUT XXXX .
SHE IS AN ADULT, My daughter handles financial matters as XXXX attends college, has no income, by daughter supports XXXX 's financial needs.
I advised XXXX that the call will NOT be passed on. My daughter was deeply hurt and angered as she is paying the balance, but XXXX INSISTS ON EXCLUSIVELY SPEAKING WITH XXXX TO TAKE ADVANTAGE / HARASS HER. WE protect our children from preditors, XXXX is a preditor.
XXXX need to be directly advised of the threatening implementation of his calls.
XXXX XXXX Grandmother
|
| 11/09/2020 |
Yes |
- Debt collection
- Private student loan debt
|
- Communication tactics
- Frequent or repeated calls
|
|
Web |
|
|
reliant capital solutions repeatly calls my spouse about my debt. I have a debt with XXXX XXXX and my husband is listed as my emergency contact on file at the university. I did not opt into sharing my information with another person. I contacted reliant capital solutions and expressed to them that they are not to contact my husband about my debt and I was told tht because he is my spouse they can discuss my debt with him. The told me it is legal to discuss my debt with my spouse. My bill with XXXX is not a joint debt it is my debt. I asked the person that answered the phone to point me in the direction of the law that says she can talk to my husband or contact my husband without my permission and she refused to share that info with me. she kept saying she can call him because he is my spouse. I eventually informed her that they need to contact me and only me about my debt and I hung up
|
| 07/15/2020 |
Yes |
- Debt collection
- Federal student loan debt
|
- Attempts to collect debt not owed
- Debt was paid
|
|
Web |
|
|
No debt was ever owed to XXXX. In XXXX, XXXX mishandled all student loans as well as all tuition fees and costs. XXXX also promoted a hostile environment and a very unhealthy cancel culture.
Aside from all of that, the referenced account that was mishandled by XXXX was opened XX/XX/XXXX and the DATE OF LAST ACTIVITY on that account was XX/XX/XXXX.
BOTH DATES ARE MORE THAN SEVEN YEARS OLD AND THE FCRA BARS ANY NEGATIVE CREDIT REPORTING OF THIS XXXX MISHANDLED ACCOUNT.
Any and all federal student loans have been forgiven by the U.S. Department of Education due to permanent and total disability as of XX/XX/XXXX. There is no balance due on any federal student loan.
XXXX placed a fraudulent claim with Reliant.
Reliant is in VIOLATION of the FCRA by reporting negative and disputed information after the expiration of 7 years from the date of last activity.
|
| 05/26/2022 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
I XXXX XXXX sign up with XXXX XXXX XXXX and was told I was paying for the class with a Pell Grant that was free and did not have to pay out of pocket.
I was not able to complete the course because I got sick. Theirfore, I was told by the school the Pell Grant that I was represented to be free that I had to pay because I did not inform their school.
My mom spoke with the school also and was told they would check into the matter.
I was informed that the funds from the Pell Grant had to be sent back to the USDE because I did not finish the school for the full course.
Also, the school referred my account to a collection agency that have called me from different numbers attempting to collect money for XXXX XXXX XXXX that solicited me that my course was free since my income qualifies me for a Pell Grant that is free that does not have to be paid back.
|
| 09/24/2018 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt was already discharged in bankruptcy and is no longer owed
|
|
Web |
Servicemember |
|
I contacted the university i graduated from to purchase a new copy of my diploma with my updated last name. The university sent me an email shortly after stating my account was in collections and they could not honor my request. They sent me the name of the collections company that owned the account, XXXX. I contacted the number provided, XXXX ( XXXX ) XXXX, and was told by a representative that she could not access the account but she did see the chapter XXXX bankruptcy information added. She then provided another number XXXX, and a gentleman tried to contact my account owner but was unable to access the account as well. He provided me with the VP name and number, XXXX XXXX at then told me to contact her directly for status update.
I filed chapter XXXX bankruptcy with case XXXX FL on XX/XX/XXXX and the case was discharged on XX/XX/XXXX.
|
| 02/13/2020 |
Yes |
- Debt collection
- I do not know
|
- Threatened to contact someone or share information improperly
- Talked to a third-party about your debt
|
|
Web |
|
|
Reliant Capital contacted my significant other on his cell phone, which violates the statute on cell phone contacts, twice, he informed her that it was a cell phone. She called back we had no idea what the debt was for and she proceeded to tell him the nature of the debt, how we 'did n't want to resolve it ' when we have no paperwork at all supporting that we had a debt and this was the first contacts we have received from Reliant Capital . She used combative language with him and told us that the full balance would be charged to us there would be no negotiation. All on initial contact with someone who is not even the debtor. Reliant Capital needs to review with their client 's consumer rights and the costs to the collector personally and professionally for threatening their clients. The number she called from was this : XXXX
|
| 06/20/2018 |
Yes |
- Debt collection
- I do not know
|
- Written notification about debt
- Didn't receive notice of right to dispute
|
|
Web |
|
|
I went to XXXX XXXX XXXX XXXX XXXX XXXX in XXXX residing on XXXX XXXX XXXX And I have always been sent statements in the mail. I remained on campus until XXXX after XXXX I lived off campus paying rent out of pocket. I had to resign out of school due to denial of financial aid appeal in late XXXX. Which I couldnt attend year XXXX.
I recently called my school to ask about my Assumed debt which was {$9800.00} from dormitory fees. I was told that the Assumed debt was sent to Debt Colllector Reliant Capital solutions in the Month of XX/XX/XXXX.
I was not sent a notification of the Assumed debt sold or notification to dispute no amount the Assumed debt was sold for to Reliant C.S.
I received documents from XXXX in my email of ( Assumed Private Loan Debt ).
I have not received anything in the mail at all since the Debt was sold.
|
| 09/12/2015 |
Yes |
- Debt collection
- Other (i.e. phone, health club, etc.)
|
- False statements or representation
- Attempted to collect wrong amount
|
|
Web |
Servicemember |
|
I am in XXXX army XXXX and I have dropped XXXX classes of XXXX University XXXX thru the XXXX Portal XXXX. In this case, The XXXX University XXXX XXXX XXXX shall get paid for the 75 %. XXXX can not collect the full amount because I droped the class before the deadline. But after XXXX took the 75 % which is {$1100.00}. XXXX tried to collect addition {$370.00} from me personally. This was wrong claim because I have drop the class at its 75 % point. Now XXXX is using a company called Reliant Capital Solution ( RCS XXXX to get {$480.00} from me. RCS wanted this to be paid by XXXX XXXX 2015 with fees and interest. The claim is wrongful because I have dropped the class at its 75 % point. The fees and interest % is also so high that is over the Service Member Relief Act. Please help a solider in this wrongful claim and harassment.
|
| 02/11/2021 |
Yes |
- Debt collection
- Other debt
|
- Written notification about debt
- Didn't receive enough information to verify debt
|
|
Web |
Servicemember |
|
I have been trying to obtain an intrest rate refinance on my VA mortgage loan, in the process a state tax lien was discovered that I was unaware of. I contacted attorney generals office who stated debt was owned by Reliant collection agency. I reached out to reliant each time I make a payment amount owed to remove lien is different. I have tried to no avail to get debt owed to remove tax lien in writing but I am sent to contact Attorney General who then sends me to Reliant and I am back on hamster wheel.
My finances have been impacted by COVID-19 my household is down to one income and refinance would greatly help but I am at a loss on how to resolve.
I need assistance to obtain in writing debt owed amount to release liens as well as validity of debt as it changes each time I reach out to Reliant Collection Agency.
|
| 10/24/2018 |
Yes |
- Debt collection
- Private student loan debt
|
- Took or threatened to take negative or legal action
- Threatened or suggested your credit would be damaged
|
|
Web |
|
|
Received a call on XX/XX/2018 at XXXX from someone claiming to be a representative of XXXX XXXX XXXX saying I owed a balance of {$1900.00} they are trying to collect for XXXX. I told them I have an email proving that I don't owe that amount and that I will forward it to them, which I did. At that point, the representative told me they would sue me and if I didn't pay the {$1900.00} by next Monday, they would take me to court. I explained that I had several bills with various amounts, but the final email proved I only owed the {$120.00} and I asked for them to email me the proof of the debt, and they haven't. They just kept repeating they would sue me for the other amount if I didn't pay by Monday. They also stated they didn't purchase the debt from XXXX, so I'm confused as to how they are trying to collect.
|
| 10/29/2023 |
Yes |
- Credit reporting or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Account information incorrect
|
|
Web |
Older American, Servicemember |
|
Received letter from XXXX dated XX/XX/2019 advising Me to select courses and advising Me that, My Financial Aide Letter was received and that, I had {$350.00} in XXXX XXXX. I enrolled in XXXX XXXX : Online class, Perspectives in History which I dropped as, I was unable to receive assistance from the Instructor.
I did not receive any response back regarding the dropped class, not notice if payment due or the cost of the Class which was dropped.
XXXX then place a derogatory mark on My Credit for {$960.00} which was removed and re-added with a New Date as it it were a New Occurrence and has continued to do so every time that, the item was challenged and removed.
The item needs to again removed and the Creditor should NOT be allowed to continue to repackage the item with a New Date.
|
| 02/08/2019 |
Yes |
- Debt collection
- I do not know
|
- False statements or representation
- Impersonated attorney, law enforcement, or government official
|
|
Web |
|
|
I received a call at work from a company named Reliant Capital Solutions claiming to represent the Ohio Attorney General and asking me to verify my name and social security number for a past-due amount from the OH Att'y Gen. When I asked for verification they refused to state the nature of their business but supplied me with a number to a pre-recorded line claiming to be the Attorney General 's office, and stated a full social security number over the phone that was inaccurate/false. The entire exchange reeked of fraudulence and should be investigated ; if indeed evidence of fraud is found, Reliant Capital Solutions should be prosecuted to the full extent of the law.
The last 4 of the social security number are those provided by the company to me, NOT my social security number.
|
| 07/11/2019 |
Yes |
- Debt collection
- Federal student loan debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
Servicemember |
|
I have a situation.
Apparently, student loans can be garnished without a court order.
My wages are being garnished for a student loan that is either not mine or has an enormous amount of bad information. Wrong name wrong amount wrong interest rate XXXX in unexplained late charges. I believe the only piece of accurate information is my social security number.
The company that is garnishing my wages sent me a letter saying I had 30 days to dispute the validity of the debt. I sent a certified letter disputing the validity of the debt. They wrote back a very strange letter that seemed to indicate that because my name was not the one on the garnishment I could not dispute the garnishment. I think this reasonably means they do not believe that I am the person named in the debt.
|
| 02/16/2019 |
Yes |
- Debt collection
- Other debt
|
- Communication tactics
- You told them to stop contacting you, but they keep trying
|
|
Web |
|
|
On XX/XX/XXXX, I sent a written communication request as well as a debt verification letter. This was well within the timeframe to send the letter, as I was given a 30 day notice around XX/XX/XXXX in letter form in which I could contact for a debt verification letter.
I never received a response back from the collector and now, after a no th, suddenly, the calls have started back up again despite my request. Throughout XXXX, after sending the letter, I hadnt received any calls. Now, come XXXX, its the same process of an automated sounding male spewing the same lines over again from Capital Solutions in XXXX, OH.
Rough timeline : XX/XX/XXXX phone call XX/XX/XXXX phone call XX/XX/XXXX letter received XX/XX/XXXX sent request out XX/XX/XXXX phone call XX/XX/XXXX phone call
|
| 02/05/2018 |
Yes |
- Student loan
- Federal student loan servicing
|
- Struggling to repay your loan
- Can't get other flexible options for repaying your loan
|
|
Web |
|
|
I entered into a loan rehabilitation program back in XX/XX/XXXX. I did not complete the program so I called to re enroll in XX/XX/XXXX/XX/XX/XXXX. I submitted documents but did not receive confirmation the documents were submitted. I do see online it says as of XX/XX/XXXX I was re-entered into the rehabilitation program and that my first payment is due on XX/XX/XXXX. I would like the follow questions answered : 1. Am I enrolled into the loan rehabilitation program?
2. After completing 9 monthly payments will my loan be out of default?
3. Was all of the necessary documentation received.
4. If not, what else is needed from me in order to complete the process for loan rehabilitation?
5. Is my first payment for the rehabilitation due on XX/XX/XXXX in the amount of {$5.00}?
|
| 04/23/2019 |
Yes |
- Student loan
- Federal student loan servicing
|
- Dealing with your lender or servicer
- Problem with customer service
|
|
Web |
|
|
I have been dealing with a very aggressive third party company called Relient Capital Solutions. The representative I have been talking to is XXXX XXXX. He talks to me like I have committed a crime and repeatedly tries to get me to answer a question multiple different ways simlar to an interogation that seeks to get a confession out of a person.
I have already owned up to being in default and reached out to them on my own accord to resolve this loan despite the fact that I can not use the class from this school. XXXX University ( in California ) has falsely advertised that they were accredited and I wont be able to use that class towards any degree. However, due to this student loan going to default status around 2008 I have been unable to move forward with my life.
|
| 11/04/2022 |
Yes |
- Debt collection
- Credit card debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
RELIANT CAPITAL SOLUTIONS , LLC is attempting to collect on a debt that has expired concurrent with the statute of limitations. Statute of limitations law in Texas is 4 years for credit card debt. The statement I just received from RELIANT CAPITAL SOLUTIONS , LLC on XX/XX/XXXX in response to my debt validation and dispute, is dated XXXX. I have communicated to them in my dispute that the debt is not mine as the statute of limitations has expired on this debt therefore they can no longer collect on said debt. They refuse to comply. I have been disputing this collection for several months to no avail. The debt is no longer valid and 3rd party collection agencies keep trying to buy it and force me to pay it, which is having negative affects on my credit worthiness.
|
| 11/12/2019 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt was paid
|
|
Web |
|
|
Reliant Capital Solutions has repeated contacted me attempting to collect an alleged outstanding balance with XXXX XXXX XXXX XXXX XXXX XXXX, where I was a student in XX/XX/XXXX-XX/XX/XXXX. I had resolved my balance with the school ~15 years ago. When I first received communication from Reliant about this, I requested proof of this outstanding balance. I requested a signed and notarized document provided by the school 's accounting department within the last 6 months. They only responded with an unsigned, unnotorized statement from the school dated XX/XX/XXXX, pre-dating my resolution of that outstanding balance. They have refused to take any steps to provide more legitimate proof of this debt and continue to contact me despite my formal request to them to stop.
|
| 07/30/2019 |
Yes |
- Debt collection
- I do not know
|
- False statements or representation
- Indicated you were committing crime by not paying debt
|
|
Web |
Older American, Servicemember |
|
A man called my cell phone said, " This is an attempt to collect a debt is this _________, I replied, it is and who are you? He replied, Reliant Capital Corporation, I need to get some information to make sure I have the right person on the line and not an impersonator, what's your date of rent birth or your social security number? I gave my date of birth and the caller hung up. I called back and the person who answered the phone said his name was XXXX, phone # ; XXXX, time XXXX XXXX ( EST ). Note : there was a lot of people in the background speaking in a different language. XXXX also wanted my DOB or SS number when i refused he hung up the phone. They never told me who they were collecting for, they were just trying to collect personal identifying information.
|
| 03/20/2019 |
No |
- Student loan
- Federal student loan servicing
|
- Struggling to repay your loan
- Can't get other flexible options for repaying your loan
|
|
Web |
|
|
I was notified by irs that our income tax was going to be offset due to default student loan. I contacted reliant capital solutions llc I was informed my only option is to refinance and enter income driven repayment. I was directed to go to a website to print out application the website brought up a XXXX search. I googled the applications needed and filled them out. I was informed they would not be accepted I redid the applications with an employee of the company on the phone she again informed me they were wrong. I was asked to fill them out a third time. I was given 2 different fax numbers only one works the second one only worked after several attempts made. I have been receiving hang up calls from numbers associated with this company.
|
| 06/13/2021 |
Yes |
- Student loan
- Federal student loan servicing
|
- Struggling to repay your loan
- Can't temporarily delay making payments
|
|
Web |
|
|
XXXXXXXX XXXX XXXX XXXX is trying to collect on XXXX XXXX that were not included in the Cares Act. However, all of the loans I have are supposed to be in forbearance. I was contacted by a collector via email about loans for them and XXXX XXXX. There was no notification that it was a notice to collect a debt/ to verify the debt, so even that practice is not being followed. As someone who has been hospitalized for their mental health over student loans, talking about which actually makes the schools and other alumni bully me, I did not want contact from them to collect a debt as it triggers my XXXX. So, when they run rampant and collect freely, they have no concern for anyones mental health ; its just the school wants their money.
|
| 02/15/2019 |
Yes |
- Debt collection
- Federal student loan debt
|
- Attempts to collect debt not owed
- Debt was paid
|
|
Web |
Servicemember |
|
XX/XX/XXXX : Reliant Capital Solutions tried to claim a student loan that was paid 2 years ago was in default. When I claimed it was paid in full already the gentleman suggested I contact the University and confirm the debt was already paid and left me his direct line. He also mentioned debt consolidation as one of their " solutions '' at the end of the call if I happened to need those services. Gave me the number XXXX EXT XXXX to call back.
XX/XX/XXXX : Reliant Capital Solutions claimed a student loan was in default as of XX/XX/XXXX. I let them know it was already paid and had contacted the University plus check my credit reporting. No bad marks -- obviously a scam call. They did not give me a number to call back that time
|
| 04/05/2022 |
Yes |
- Debt collection
- Other debt
|
- Written notification about debt
- Didn't receive notice of right to dispute
|
|
Web |
|
|
I did not receive a letter stating what the debt was, nor that I could dispute it. I was contacted via phone and told they wouldn't do a payment plan with me and I would have to pay in full or get a loan to pay in full which would then just make me be paying a monthly payment to a different company. I was also told if I didn't pay my credit would be hurt from this going to the credit bureaus. This was back in XXXX when first contact was made. I told them I wanted this in writing and I would not talk with them again unless my mother is on the line with me or I get a lawyer once I can afford representation. They continue to call me almost everyday to try and collect the debt. Still no letter has been sent after 3 months.
|
| 07/17/2017 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
On XXXX XXXX , 2017 -- Reliant Capital Solutions wrote a letter to my address claiming that I owe them {$550.00}. I have not spoken with anyone with this company and this is the only communication that I have had with this company.
I wrote a letter for them to validate the debt that they claim I owe. My letter is dated for XXXX the XXXX , 2017. I know that I am well within my 30 pay period to dispute the debt. I have yet to see any form of communication in reference to this debt.
Reliant Capital Solutions has already reported this debt to all XXXX credit bureaus. According to the FCRA, Reliant Capital Solutions is in violations as they are supposed to respond to my request to validate the debt.
|
| 05/22/2019 |
Yes |
- Debt collection
- Other debt
|
- Communication tactics
- You told them to stop contacting you, but they keep trying
|
|
Web |
|
|
On the XX/XX/2019, I drafted and mailed a certified letter to Reliant capital Solutions , LLC, who had contacted me by mail to collect a debt.
I disputed the debt and asked that : 1 ) they cease all communication with me other than to validate my debt by mail, and 2 ) that if they report this debt to credit bureaus, that it is marked as disputed.
Thus far, they have not ceased their attempts to collect, and I have received three phone calls ( on XX/XX/2019, XX/XX/2019, XX/XX/2019 ) and an email on XX/XX/2019, all with the stated purpose of attempting to collect a debt.
Futher, I have received absolutely no documentation which acknowledges receipt of my request or validation of the debt they are allege I owe.
|
| 10/15/2021 |
Yes |
- Debt collection
- Private student loan debt
|
- Took or threatened to take negative or legal action
- Threatened or suggested your credit would be damaged
|
|
Web |
|
|
This afternoon XX/XX/XXXX I received a message from a XXXX XXXX stating that they would send my account to law proceedings to settle the balance and then insinuated that upon initial look at my account it didnt look as if I had anything attached to my social security number I took this as a threat saying that they would ruin my social security number. I have the entire email sent to me for record.
XXXX XXXX Senior Account Manager XXXX XXXX XXXXXXXX XXXX.
XXXX, OH XXXX XXXX : XXXX Office : XXXX Fax : XXXX Email : XXXX https : //www.reliantcapitalsolutions.com/ This communication is from a debt collector. This is an attempt to collect a debt and any information obtained will be used for that purpose.
|
| 04/03/2023 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Account information incorrect
|
|
Web |
|
|
On XX/XX/XXXX I contacted Reliant Capital Solutions to negotiate a debt. I attended XXXX XXXX XXXX during XXXX and dropped a class within the drop period. XXXX billed me for the class anyway. I dropped the class over the phone so I can not provide proof that I was within the approved time frame. I disagree with this debt entirely, but I was denied for a business loan because of this collection account. Reliant Capital Solutions agreed to accept {$1900.00} to pay for delete from my credit report. I've filed several disputes to have this account updated to paid and removed as a collection account. All three bureaus have denied my requests saying that Reliant Capital is reporting this account as unpaid.
|
| 10/15/2019 |
Yes |
- Debt collection
- Federal student loan debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
In 2011 the Dept of education investigated my complaints XXXX and XXXX against the schools who fraudulently setup loans knowing I never qualified for them and then altered them keeping the money causing me to be evicted and XXXX THREE times. XXXX sent me the closing of those loans and the dept of education is still trying to collect plus charges on loans that were closed. XXXX was in the XXXX XXXX dept when this all happened. I am tired of fighting a situation that is closed because the dept of education can't get their act together a keeps reopening closed loans. Are you people so disorganized that you try to collect illegal loans from poor people like me after the schools ruined my entire life?
|
| 10/13/2021 |
Yes |
- Student loan
- Federal student loan servicing
|
- Dealing with your lender or servicer
- Trouble with how payments are being handled
|
|
Web |
|
|
In XX/XX/XXXX I began the mortgage process. i found a home in XX/XX/XXXX and was just advised by my lender that in the XXXX XXXX reporting system there is a notation that i currently ow a student loan from XXXX. US DEPT OF ED is NOT reporting on my credit report and has NEVER made me aware of the debt. I called them and was given the number XXXX NO ANSWER but i was transferred to XXXX XXXXl ( think thats the name ) to see about the debt. The total is {$4100.00}. They offered me a 9 month rehab plan BUT that is way too late for me to complete this mortgage settlement. I asked if i could settle or pay a certain portion to bring the account out of collections and the answer was no.
|
| 08/23/2019 |
Yes |
- Student loan
- Federal student loan servicing
|
- Struggling to repay your loan
- Can't get other flexible options for repaying your loan
|
|
Web |
|
|
So I recieved an email from my employer that my wages were to be garnished. It was stated that they would be garnished by Reliant Capital Solutions. The document attached to the email indicated it was a court order issued by Reliant Capital Solutions back in XXXX. I nor did my wife receive contact from them at all regarding the attempt to collect the student loan debt. This email was the first indicator that my wages were to be garnished. They were as of XX/XX/2019 garnished without contacting me by email, mail or phone call. I haven't take any action as of yet but I plan on calling my HR payoll rep about this tomorrow morning XX/XX/XXXX and see what course of action I can take.
|
| 06/23/2020 |
Yes |
- Debt collection
- Federal student loan debt
|
- Took or threatened to take negative or legal action
- Threatened or suggested your credit would be damaged
|
|
Web |
Servicemember |
|
I have student loans with XXXX State University that somehow went to collections when the rest of my loans didn't. I've tried numerous times to contact and speak to someone from XXXX but have had no luck.
They have sent a balance of {$8500.00} to collections twice. Once with XXXX XXXX XXXX, which I was able to delete off XXXX and XXXX with the help of XXXX XXXX, but now they sent it to another collections agency Reliant Capital Solutions almost a year later.
Reliant Capital Solutions has been constantly contacting me over this amount and already sent it to XXXX which dropped my credit score 84 points and causing a huge disruption in my life when i'm trying to buy a house.
|
| 09/30/2021 |
Yes |
- Debt collection
- Private student loan debt
|
- Written notification about debt
- Notification didn't disclose it was an attempt to collect a debt
|
|
Web |
|
|
Reliant Capital called me today to inform me of a debt they have had on me since XX/XX/2021. They did not send me any written notice about the matter. When they called me today the collector was trying to persuade me to pay the debt off in full and telling me I hade to pay it right away. The debt in question was actually covered by a scholarship and all the requirements of the scholarship were met. When I told her that she started to precede to say I had to pay them right away and they would start more aggressive debt collecting tactics. I believe she realized when the debt was covered by the scholarship they would not get any money so was forceful with trying to collect it.
|
| 12/02/2023 |
Yes |
- Debt collection
- Other debt
|
- False statements or representation
- Attempted to collect wrong amount
|
|
Web |
|
|
FACT BILL AMOUNT WAS XXXX PAID PAYMENTS IN THE PAST - PAYMENTS MADE IN FULL!! I HAVE OVER CHARGED AND HARRASED I DEMAND COMP FOR MY MENTAL AND EMOITONAL DISTRESS REPORTING MY PRIVATE INFORMATION TO ALL CREDIT B. NEED TO REMOVE FROM CREDIT REPORT IMMEDIALLY BIL IS PAID IN FUL AND THE OVER CHARGED DID NOT REPORT TO THE CREDITOR PAYMENT IS BEEN MAD IN FULL.
FEDERAL CONTRACTOR WORKING FOR CREDITOR COMPANY HARRASSED ME DAILY, VIA TEXT, PHONE CALLS, POLICE REPORT FILED\ NEED REMOVE FROM FROM ALL CREDIT REPORT AGENCIES AND DATA AGENCIES. A POLICE REPORT HAS BEEN RECORDED WITH ALL POLICE AGENCIES INCULDING ALL FEDERAL AGENCIES THAT HELP HARD WORKING AMERICANS THAT PAY TAXES!!
|
| 07/06/2023 |
No |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Old information reappears or never goes away
|
|
Web |
|
|
Notified via personal credit monitoring that a collection account had been added to my credit report for {$15000.00}. Report states that Reliant Capital Solutions is claiming this is a new collection account that was opened on XX/XX/2023. I NEVER received any type of communication from this collector, I've not been able to dispute such, and they have placed this on my credit report without any notice. Second, this account is OVER ten years old. Given the age of the debt, Reliant is purposely and knowingly providing false information as well as scavenging old debt and presenting it to the credit bureaus as a new debt, one that is well beyond time barred.
|
| 09/27/2023 |
Yes |
- Debt collection
- I do not know
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
Reliant Capital Solutions LLC has called me on multiple occasions. I have attempted to call back with no responses. This time, I picked up the phone. The man on the line, named XXXX, immediately asked me if I was my sister. I said no, who is this? And he immediately said is she around? I said no, who is calling? And he said well Ill try again later and hung up. I called back again and a woman informed me finally of WHAT the company even was and that they needed to discuss my SISTERS dept. According to the Fair Dept Collection Practices act, it is illegal to contact family members regarding an individuals dept.
|
| 05/22/2015 |
Yes |
- Debt collection
- Federal student loan
|
- Communication tactics
- Used obscene/profane/abusive language
|
|
Web |
|
|
Individual from Reliant Capital solutions contacted me regarding a debt collection from XXXX XXXX University, to which I answered that it was wrong and that I was making payments through the XXXX XXXX University. The individual demanded me to pay the amount he was collecting or legal action would take place. In a very aggressive manner he told me that he was n't going to waste his time or my time if I was n't going to pay and that he will report me and ensure to report me to the credit bureau for not wanting to pay. I told him that it is a mistake and I will dispute it and he just hung up the phone.
|
| 12/01/2022 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt was result of identity theft
|
|
Web |
Servicemember |
|
RELIANT CAPITAL SOLUTION is a collection agency whom I've never heard of before and they sent me letters about a debt from XXXX XXXX for {$710.00}. I have never attended the school. The company never validated the debt and just the other day they put the collection on my credit report saying it was opened in XX/XX/2022. Which is a lie because I have not attended any school. I asked them to send me proof of my attendance and they never did. I want this company to delete this false account off of my credit report before I take legal action. They put this account on my XXXX and XXXX credit report.
|
| 04/10/2019 |
Yes |
- Debt collection
- Private student loan debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
Older American, Servicemember |
|
I " applied '' to a university and was denied, there is no debt. I will NOT verify my personal information with this company as it will result in more attempts. Received an email XX/XX/2019 stating that I owed money.
Current Balance : XXXX As I stated, I filled out an application years ago, but was not able to obtain any funding and did not take any courses with any university. I attended college back in the XXXX and all the bills were paid. No other university in my state was ever contacted, nor did I enroll to take any courses in my state from any organization, college, or university.
|
| 06/21/2023 |
Yes |
- Debt collection
- Private student loan debt
|
- Communication tactics
- You told them to stop contacting you, but they keep trying
|
|
Web |
Servicemember |
|
The company has repeatedly contacted me after I have told them to stop. This is a false debt by the University of Massachusetts. I was VA XXXX going to school with my Post 9/11 GI Bill. I had a medical withdraw from my VA therapist which was approved by the school. They tried to charge the VA for that semester and it got denied. They then tried to charge me and gave this collection company false information. I dont owe this university any money. I have ceased going to school because of this, and other political topics I was forced to write. This is a false debt by a scamming university!
|
| 07/19/2018 |
Yes |
- Debt collection
- I do not know
|
- Threatened to contact someone or share information improperly
- Contacted you after you asked them to stop
|
|
Web |
|
|
I was contacted at my place of employment on XX/XX/18. I answered the call and they asked for me directly. I indicated that they were speaking to me and the indicated that this was personal business matter. I informed them that they could not contact me at my place of employment regarding personal business matters. The company is Reliant Financial Solutions and the phone number calling me at work is XXXX. They also have other numbers as well but this is the one that called me at work. They have been calling me multiple times per day on my cell phone number but will not leave a message.
|
| 02/20/2017 |
Yes |
- Debt collection
- Non-federal student loan
|
- Communication tactics
- Frequent or repeated calls
|
|
Web |
|
|
rude customer service. XXXX from reliant capital solutions keep calling me asking me personal questions about my 401k and bank account. I explained to her I do not have any money and she continue to be rude to me. I ask to be transferred to a manager and she refused to transfer me. It got to a point I had to hang up and call again to get someone else who transferred me to the manager. manager was n't even helpful. I asked if they can stop calling me all day and they said no ... ... ... horrible company. my school should be ashamed for hiring this company to collect money from students.
|
| 05/08/2015 |
Yes |
- Consumer Loan
- Installment loan
|
- Managing the loan or lease
|
|
Web |
|
|
I would like to file a Severe Complain to Reliant Capital Solutions LLC XXXX OH XXXX for Fraud misrepresentation after notification in writing for improfessional collection activity practice regarding a case XXXX for XXXX XXXX XXXX XXXX XXXX University for the amount of {$19000.00} the Student never attend to Class and CampusWe present the dispute in writing with the support evidence documentation, the company constantly acting with treats phone call with not respectful and adequate language and ethics, they violated all the ruling under collection of the consumer act and license
|
| 10/21/2020 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Problem with a credit reporting company's investigation into an existing problem
- Their investigation did not fix an error on your report
|
|
Web |
Servicemember |
|
The US Department of Education is continuing to report my student loans as derogatory on my credit report. As a a result of Presidential decree my loans are in CARES Act ADMINISTRATIVE forbearance through XX/XX/2020. However, they are neing reported as open and past due on XXXX. This resulted in my being denied housing during the pandemic by CRA XXXX use of an XXXX credit report. I ask that they immediately update this reporting.
The Coronavirus Aid, Relief, and Economic Security Act or, CARES Act, was passed by Congress and signed by President XXXX XXXX on XX/XX/2020.
|
| 04/26/2017 |
Yes |
- Debt collection
- Federal student loan debt
|
- Written notification about debt
- Didn't receive enough information to verify debt
|
|
Web |
|
|
I have not been contacted by this de bt collection agency, but apparently they were able to contact IRS/ XXXX to collect my tax refund. It seems absolutely absurd that no notification or attempts to collect a debt ( that I did n't know about ) could be just taken from me. I tried to call the company, received several calls from different numbers, only one left a message. Every number called has numerous reports of fraud. I would have been making payments on these had I known about them as I am making payments on all of the student loans that I thought that I have )
|
| 03/13/2018 |
Yes |
- Debt collection
- I do not know
|
- Threatened to contact someone or share information improperly
- Contacted your employer
|
|
Web |
|
|
This debt collector calls my employer and my work phone number several times per day. They usually do not leave a message, but when they do, they tell me they are calling from the Attorney General for the State of Ohio. I contacted the attorney general 's office and they said they do not know this company or this number.
I have asked them both via the contact email address listed on their website and via the contact form on their website to stop contacting me by phone and they have not responded. They will not tell me what kind of debt they are trying to collect.
|
| 01/31/2022 |
Yes |
- Debt collection
- Credit card debt
|
- Communication tactics
- Used obscene, profane, or other abusive language
|
|
Web |
|
|
On XX/XX/XXXX I was advised by this company that the debt would be deleted from my credit if it was paid but shorty after returning the call, a different agent informed me that this wasn't true. I advised the agent to stop calling me because of how rude he was when speaking to me.
On XX/XX/XXXX I receive another phone call from a rep name XXXX, I informed her to stop calling me and once again she hangs up the phone in a rudely manner. I called the company back and advised them that I was recording the call and that they needed to cease from calling my phone.
|
| 02/01/2019 |
Yes |
- Debt collection
- I do not know
|
- Communication tactics
- Frequent or repeated calls
|
|
Web |
|
|
The company stated that they were from Reliant Capital Solutions, and called my husband first. I also had several phone calls from these people. When I called the number, the gal told me that she had to transfer me to the person that was trying to contact me. When I asked what the call was in regards to, she would not tell me, but transferred the call. They then hung up on me. When I tried to call back, it said that all representatives are busy to please leave a message. My message was, do not call me or my husband. The other number they called from was XXXX.
|
| 01/29/2021 |
Yes |
- Student loan
- Private student loan
|
- Getting a loan
- Fraudulent loan
|
|
Web |
|
|
This company has continued to call me about a charge that I know for a fact I did not incur. This collection agency Reliant Capital Solutions state that I went to XXXX XXXX XXXX University which I didn't. They are advising me to pay XXXX for a school that I did not attend. I advised I was not agreeing with charge and send me verification of a Wet Signature the company sent me a XXXX agreement. This is a computerized signature which anyone could have generated in my name. I will include the information that was sent to me but does not verify that I did so.
|
| 02/08/2016 |
Yes |
- Student loan
- Non-federal student loan
|
- Dealing with my lender or servicer
- Received bad information about my loan
|
|
Web |
|
|
Reliant capital LLC, XXXX, Ohio contacted me about a loan more than a month ago. I sent them a certified letter requesting information about the loan. All they did was send me an invoice/bill from company x, without answering the questions I asked to resolve the issue.
Now Reliant has reported me to credit bureaus for collections which do not belong to me. I have repeatedly asked them to provide a copy of the award/aid loan letter and promissory note that I signed when I took the so called loan from them/somebody else that they are claiming to be mine.
|
| 04/12/2018 |
Yes |
- Debt collection
- Federal student loan debt
|
- Communication tactics
- Called before 8am or after 9pm
|
|
Web |
|
|
Called me at XXXX XXXX, did not state company name or to whom I was speaking with, but wanted me to give out my personal information such as my birthday. I informed that at the time they call that it was before XXXX XXXX. Called back spoke with an agent, his excuse is I have a east coast address, yet I have never dealt with this company before. Also, after talking with the agent he is well aware that my employer is in Idaho. Therefore, it should have been a given that the address they have on file did not correlate with my new address and time zone.
|
| 03/19/2020 |
Yes |
- Student loan
- Federal student loan servicing
|
- Struggling to repay your loan
- Can't temporarily delay making payments
|
|
Web |
Servicemember |
|
I went to the school XX/XX/XXXX to XX/XX/XXXX. The school was not accredited so when I moved out of state, none of my credits would transfer. I filed a borrowers defense case with the department of education, and they put my loan in a forbearance status while the matter is adjudicated.
The collection agency still intercepted my Federal Income tax payment to apply to the loan, even though adjudication is still not complete on my case with the Department of Education.
I want them to return my tax refund as they had no legal grounds to collect.
|
| 08/24/2018 |
Yes |
- Debt collection
- Other debt
|
- False statements or representation
- Attempted to collect wrong amount
|
|
Web |
|
|
An attempt to verify the debt or amount owe was made and the amount sought was verified by the debtor ( University of XXXX ) and third party ( Reliant Capital Solutions ) as accurate on XX/XX/2018 in the amount of {$13000.00}.
The debtor has refused to discharge, and/ or delete the account information, including credit inquiry, and/ or cease collection of the account by way of third party. Both companies are in violation of the Fair Debt Collection and Fair Credit Reporting Act 's under federal law for violation of consumer credit rights.
|
| 10/17/2023 |
Yes |
- Debt collection
- I do not know
|
- Threatened to contact someone or share information improperly
- Contacted your employer
|
|
Web |
Servicemember |
|
On XXXX XXXX. I was informed that Reliant Capitol Solutions called to look for me at my employer. A supervisor informed them to no longer call that the line was a business number. They stated they would no longer call and would make a not of it in their system.
On XXXX XX/XX/2023, they called my cell phone at XXXX at XXXX hours. Again, at approximately XXXX hours, they called my employer and told an employee that they were from " Reliant Capitol Solutions seeking to collect a debt. ".
This is repetitive, unprofessional, and harassing.
|
| 01/02/2021 |
Yes |
- Debt collection
- I do not know
|
- Took or threatened to take negative or legal action
- Threatened or suggested your credit would be damaged
|
|
Web |
|
|
On XX/XX/2020 I received notification that this debt collector company Reliant placed a collection under my name for a school I've never attended. I have not attended any colleges in my entire life. I would like for this derogatory information to be removed immediately. This company has failed to provide me with the following information to prove this account belongs to me. Application with my name, date, hours attended, classes, etc to show I was attending this school. They are breaking the FCRA law and I demand this debt be deleted.
|
| 12/16/2015 |
Yes |
|
- Disclosure verification of debt
- Right to dispute notice not received
|
|
Web |
|
|
I was contacted by phone, when I returned call to XXXX XXXX ext XXXX. She stated it was a debt for XXXX XXXX XXXX, I stated we just paid {$67.00} towards it and owe XXXX XXXX dollars, could I have information about this debt? XXXX the stated " Well XXXX we 'll just ruin your credit! '' then she hung up me.
I am a XXXX year old XXXX and this is n't my first medical bill.
These people should be ashamed and not allowed to harass people, what if I was elderly, and she talked to me this way?
This company needs to be reprimanded.
|
| 10/04/2022 |
Yes |
- Debt collection
- Other debt
|
- Threatened to contact someone or share information improperly
- Talked to a third-party about your debt
|
|
Web |
|
|
I was contacted by Reliant Capitol solutions on XX/XX/2022 in regards to a community tax debt that is owed. The collector opened the call by threatening enforcement in his opening sentence. I at this time asked if he was a third party collector or worked for attorney generals office who was using to say enforcements through. He stated he worked for third party collection agency and not directly for community or attorney general so he did not follow any verification procedures or give me mini XXXX before disclosing debt.
|
| 04/20/2018 |
Yes |
- Debt collection
- Private student loan debt
|
- Communication tactics
- Called before 8am or after 9pm
|
|
Web |
|
|
XXXX XXXX has called me multiple times and hung up with out giving me any info. This mornings call at XXXX was XXXX calling me and hanging up after I verified that he was speaking to the correct party. It took me speaking with a manager to figure out what the debt was. The last time he called me a few days ago the same XXXX called and hung up on me after telling me I was " refusing to pay '' but I had NO IDEA what I was " refusing to pay ''. They also never read to me my Mini-Miranda before hanging up on me.
|
| 12/08/2020 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Account status incorrect
|
|
Web |
|
|
I am in default. Started the default resolution program in XX/XX/2020. Made {$10.00} payment ( only required {$5.00} ), then the virus hit, and president order went into effect. Made another {$20.00} payment in XXXX or XXXX.
Keeps being reported as late payments on all 5 accounts even though thats not the case. Program should have ended in XX/XX/2020 and it didnt until XX/XX/2020.
I have disputed with all 3 major credit agencies as well is US Dept of Education and the collection agency to no avail.
|
| 02/26/2019 |
Yes |
- Debt collection
- Federal student loan debt
|
- Communication tactics
- Used obscene, profane, or other abusive language
|
|
Web |
|
|
My student loan went into default ( i thought it had been consolidated when I did a consolidation in 2018 ). I called Reliant Capital Solutions that held the debt relating to my student loans. My contact person was Mr. XXXX. He was incredibly rude and a bully. I requested several times to speak with other individuals including his supervisor. The company assigned me another person to work with who is very helpful and is willing to work with me. Mr. XXXX 's behavior was typical of a bad debt collector.
|
| 02/15/2017 |
Yes |
- Debt collection
- Other (i.e. phone, health club, etc.)
|
- False statements or representation
- Attempted to collect wrong amount
|
|
Web |
|
|
I owed XXXX University {$5600.00} which I was unable to pay due to my financial situation.
They sent it to debt collection - reliantcapitalsolutions.
And now the debt collector wants {$7500.00}.
I told their representative that I am willing to settle the entire amount that I owe XXXX University and add {$100.00} for their service. They cut their fee in half and are asking me to pay {$6400.00} I did not agree for the new approved amount and think their fee is unfair, subjective and unethical.
|
| 04/20/2021 |
Yes |
- Debt collection
- Private student loan debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
Reliant Solutions are attempting to collect a debt on behalf of XXXX XXXX XXXX XXXX in the amount of XXXX. XXXX XXXX XXXX nor Reliant Solutions have verified the debt. Reliant Solutions have stated that this would not be on my credit report however has of XX/XX/13 it has shown on all 3 bureaus as a collection debt. I do not owe and have not been shown that I do owe. I have repeated asked to verify and never has it been verified. They state that will speak with XXXX XXXX XXXX but no validation
|
| 01/15/2018 |
Yes |
- Debt collection
- Federal student loan debt
|
- False statements or representation
- Impersonated attorney, law enforcement, or government official
|
|
Web |
|
|
On XXXX XXXX, 2018, I received a call and a voicemail from someone identifying themselves as an " authorized representative of the Ohio Attorney General. '' He represented that he was " with Reliant Capital Solutions ''. Obviously a state Attorney General would not authorize a debt collection company to contact people on its behalf. This tactic is deceptive and undermines the both the role of the Attorney General as upholding the law, as well as undermining the rule of law in general.
|
| 03/25/2017 |
Yes |
- Debt collection
- Non-federal student loan
|
- Cont'd attempts collect debt not owed
- Debt was discharged in bankruptcy
|
|
Web |
|
|
I have received XXXX college degrees and working on my fourth, while in the pursuit of my second degree I took a break and then restarted resulting in some out of pocket expenses. The loans I obtained in the pursuit of my degree. Therefore I owe all of my loans to one lender and I can not also still owe the collection agency, their database was never updated when I returned to school and completed my degree to become a nurse. The above mentioned company is Reliant Capital Solutions.
|
| 03/29/2016 |
Yes |
- Debt collection
- Other (i.e. phone, health club, etc.)
|
- Communication tactics
- Frequent or repeated calls
|
|
Web |
|
|
I graduated from XXXX University with a debt of approximately XXXX Dollars. When they first contacted me I tried to negotiate a payment agreement with Reliant Capital Solutions that would allow me payoff the debt and not be at risk of being homeless. I am not wealthy and have a very modest salary and I am a single parent. They refuse the amount that I was able to pay. They are now calling my place of employment and are being aggressive and harassing my colleagues.
|
| 12/03/2023 |
Yes |
- Debt collection
- Credit card debt
|
- Written notification about debt
- Didn't receive enough information to verify debt
|
|
Web |
|
|
I sent request to validate a credit card account to Reliant Capital Solutions for a XXXX XXXX XXXX XXXX account owing {$200.00}. Have not received any validation materials itemizing what is owed on the account. Also sent letters to all three credit bureaus, XXXX, XXXX and XXXX asking that they have the account removed from my credit reports until validation can be received. They have not removed the account but just updated some minor information on the account.
|
| 03/07/2020 |
Yes |
- Student loan
- Federal student loan servicing
|
- Dealing with your lender or servicer
- Received bad information about your loan
|
|
Web |
|
|
in XXXX I went to enroll into RN school and i was told to apply for the load and if i receive the loan i would be able to sit for my boards and my record wouldnt be a problem. when i graduated i was not able to sit for my boards because of my record. I applied for a load discharge and was denied because i didnt prove i went to the school when that was not one of the legal requirements. now in XXXX im getting over {$400.00} 2x a week garnished from my pay.
|
| 12/22/2022 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt was paid
|
|
Web |
|
|
My school sent my account to a collection agency reliant capital and they have the wrong information about my due balance. Now I have cleared my balance and paid all my dept to my school and they still refuse to release it and asking me for paying XXXX $ collection fees which is almost half of what I owed to my school.
Notice that I have no agreement with my school nor any agency to pay any collection fees as the dept is already paid and cleared out.
|
| 11/22/2019 |
Yes |
- Debt collection
- I do not know
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
This business contacted me about a debt unrelated to me. I have no relationship with this business and they confirmed I do not have any business with them. This is an unsolicited call and potentially harassment if they attempt to contact me again. I am not the person they are looking for and just because I have the same last name and live in the same state as the person they are trying to contact does not mean I should be receiving collection calls.
|
| 11/08/2018 |
Yes |
- Student loan
- Private student loan
|
- Dealing with your lender or servicer
- Need information about your loan balance or loan terms
|
|
Web |
|
|
I need of copy of all the records stating i owe this loan. I had intended to go to XXXX University the annex in XXXX, Alabama in 2009. My father who is an addict lost his mind I lost my home and my vehicle and could not attend the school. Now i am receiving phone calls and letters saying I owe XXXX for an education i never attended. Please help the amounts are listed twice two payments for XX/XX/09 and XX/XX/2009 as double charged amounts
|
| 01/21/2021 |
Yes |
- Debt collection
- Other debt
|
- Communication tactics
- You told them to stop contacting you, but they keep trying
|
|
Web |
|
|
A male individual uses a number of different phone numbers, including : 1. ( XXXX ) XXXX ; 2. ( XXXX ) XXXX 3. ( XXXX ) XXXX ; to contact me back to back to back about alleged debt. He threatens to show up at my doorstep, demands my social security number and date of birth. He says I owe money and that he will email me. He sends no email but continues to use different phone numbers to harass me, even after I told him to stop calling me.
|
| 02/10/2022 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Public record information inaccurate
|
|
Web |
|
|
I spoke with XXXX XXXX and requested on XX/XX/2021 to remove the inaccurate information. I also consulted a credit repair company on my be hallf on XXXX. I spoke to XXXX XXXX multiple times during XXXX requesting to freeze report and stop reporting on XX/XX/2021. The account is still reporting and it is more than XXXX account that is inaccurate. I still haven't had any help with information removed or no longer reporting.
|
| 03/20/2019 |
Yes |
- Student loan
- Federal student loan servicing
|
- Dealing with your lender or servicer
- Keep getting calls about your loan
|
|
Web |
Older American |
|
Reliant Capital Solutions are trying to collect on a student loan that is not mine and claim that the US Dept of Education has hired them to collect it. They contend that the Dept intends to order my employer to withhold 15 % of my income to pay back a loan that is not mine. I think they are a fraud as they contend that the Dept is in XXXX Tx. I recivedtheir letter on XX/XX/XXXX. The loans are from XXXX and XXXX.
|
| 05/26/2018 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Problem with a credit reporting company's investigation into an existing problem
- Their investigation did not fix an error on your report
|
|
Web |
|
|
I reported an inaccurate debt collection for investigation to XXXX on XX/XX/XXXX and on XX/XX/XXXX they verified it as accurate. This debt was already paid to the original creditor prior to the reporting date of XX/XX/XXXX by the collection agency. The collection agency has not provided any proof that a debt is still owed. I have a receipt from the original creditor to substantiate my position as well.
|
| 01/09/2016 |
Yes |
- Debt collection
- Other (i.e. phone, health club, etc.)
|
- False statements or representation
- Attempted to collect wrong amount
|
|
Web |
|
|
The correct high balance that was sent to the collection agency has not been reported. The collection agency reported a different amount than what the documentation says. The collection agency did not report the amount that the original creditor provided them with. The collection agency reported XXXX different amounts of {$950.00} and {$1.00}, XXXX. The company is named reliant capital solutions llc.
|
| 03/17/2020 |
Yes |
- Student loan
- Federal student loan servicing
|
- Struggling to repay your loan
- Can't get other flexible options for repaying your loan
|
|
Web |
|
|
I have been homeless twice within the last year and am currently facing eviction. Reliant Capital solutions refuses to refund my tax return of {$1500.00} and {$1000.00} from XXXX and XXXX. Reliant and the Department of Education states they did not refund my money to me because Im not facing eviction however, I am currently facing eviction and have been facing evictions for the past 3 years. Help.
|
| 02/24/2021 |
Yes |
- Debt collection
- Private student loan debt
|
- Written notification about debt
- Didn't receive notice of right to dispute
|
|
Web |
|
|
RELIANT CAPITAL SOLUTION The debt in my name is inaccurate. I have disputed twice and they will not remove this from my account. I do not attend this college nor did I ever. I am enrolled in a separate college and dont know why I was never contacted. Is this fraud? Is someone using my name? I wouldnt know since they keep lying to the credit report saying this information is accurate when its NOT.
|
| 06/08/2016 |
Yes |
- Debt collection
- I do not know
|
- Disclosure verification of debt
- Not disclosed as an attempt to collect
|
|
Web |
|
|
Received voicemail at XXXX XXXX/XXXX/16 and is as follows : " Name this is XXXX XXXX Reliant Capital Solutions XXXX XXXX XXXX XXXX '' returned phone call, spoke to someone who transferred me to her, she answered the returning phone call without identifying herself and only after verifying my phone number and last XXXX of my social did she disclose the was attempting to collect a debt.
|
| 12/08/2020 |
Yes |
- Debt collection
- Private student loan debt
|
- Written notification about debt
- Didn't receive enough information to verify debt
|
|
Web |
|
|
This company ( Reliant Capital Solutions ) indicates that I owe them for tuition for XXXX XXXX XXXX XXXX. Although I applied to the university, I never registered for classes or attended classes, and never agreed to be charged tuition, either verbally or through a written contract. After mutiple requests, the collection agency has refused to provide proof that the debt is owed.
|
| 03/02/2017 |
Yes |
- Debt collection
- Non-federal student loan
|
- Improper contact or sharing of info
- Talked to a third party about my debt
|
|
Web |
|
|
This debt is being disputed directly with the university. Regardless of that fact they sent it to an aggressive debt collector. This collector has called almost daily and today called a family member who is in no way connected to this disputed debt. On this call they did not disclose they were a debt collector, which is illegal, and they were trying to verify my information.
|
| 03/07/2020 |
Yes |
- Debt collection
- I do not know
|
- Attempts to collect debt not owed
- Debt was result of identity theft
|
|
Web |
|
|
ReLIant CAPital has called in the past to attempt to collect a debt that Im unfamiliar with. Recently they placed the collection on my credit report harming my credit score, reputation and credit profile. I request that the credit bureau remove the inaccurate information but they have refused replying with they believe the info reported is accurate but it clearly isnt.
|
| 12/02/2019 |
Yes |
- Debt collection
- Credit card debt
|
- Communication tactics
- Used obscene, profane, or other abusive language
|
|
Web |
|
|
They called my number and left a voicemail ( that I kept ) that starts out, " Oh my XXXX XXXX. This is an important message from Reliant Capital Solutions a call from a debt collector. Please return this call at XXXX ext XXXX.
They left no name of the individual.
If someone would like to hear the message, I can always forward or someone can call me and listen to.
|
| 05/18/2020 |
Yes |
- Debt collection
- Private student loan debt
|
- Communication tactics
- Used obscene, profane, or other abusive language
|
|
Web |
|
|
Thank you for addressing my concerns.
XXXX XXXX College college continues to use aggressive along with scare tactics to collect a debt. The Representative refuses to disclose name and location. As the conversation continues, the company uses harsh tones, wants payments up-front, and continues to compromise my credit score along with creditworthiness.
|
| 04/15/2023 |
Yes |
- Debt collection
- Other debt
|
- Written notification about debt
- Didn't receive enough information to verify debt
|
|
Web |
|
|
I received a letter from Reliant Capital Solutions in XXXX XXXX XXXX. My credit reports says the the account has been delinquent since XX/XX/XXXX, but I was NEVER notified until XXXX of XXXX. I wrote a letter requesting a debt validation letter and never received a response. It was then put on my credit without a response to my initial request.
|
| 04/24/2018 |
Yes |
- Debt collection
- Federal student loan debt
|
- Written notification about debt
- Didn't receive enough information to verify debt
|
|
Web |
|
|
Good Morning, I received a call from Reliant Capital Solutions. I do not know who this company is, Ive never done business with them, and they have no right to collect a debt I do not owe to them. Subsequently, I sent them a letter to validate not verify the debt. I have not received a reply. Letter is attached to this submission.
|
| 03/08/2022 |
Yes |
- Debt collection
- Federal student loan debt
|
- Written notification about debt
- Didn't receive notice of right to dispute
|
|
Web |
|
|
Reliant Capital Solution XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX, OH XXXX has been sending me collection notices in the amount of {$2200.00} the collection has bin reported past due balance. I do not know this company. I have never done business with this company. This company does not have a contact with signature.
|
| 04/03/2019 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
Please see my prior complaint # XXXX Reliant Capital Solutions LLC called my number about a debt that is not mine, and other agencies have failed to validate. A validation of debt notice was mailed to Reliant Capital Solutions LLC today. XXXX XXXX XXXX has also closed this case but it seems the debt was bought.
|
| 11/29/2021 |
Yes |
- Debt collection
- Federal student loan debt
|
- Written notification about debt
- Didn't receive enough information to verify debt
|
|
Web |
|
|
I requested via certified mail for the original of the validation of the debt from Reliant Capital Solutions and it was not fulfilled. However, the company only send a copy of the verification letter of the debt. I specifically asked for any document with my signature, with dates, and amount of the debt.
|
| 02/05/2016 |
Yes |
- Debt collection
- I do not know
|
- Cont'd attempts collect debt not owed
- Debt is not mine
|
|
Web |
|
|
Reliant Capital Solutions LLC XXXX contacted me for a loan that 's not mine. I sent them dispute letters but they still reported my account to credit bureau and that 's marring my credit report. They have not provided me any proof that the loan is mine. They keep sending me a bill which is not mine.
|
| 03/15/2021 |
Yes |
- Debt collection
- I do not know
|
- Communication tactics
- Frequent or repeated calls
|
|
Web |
Servicemember |
|
We have no debt, other than our mortgage ( which we have always been current on ). We get a call from Reliant Capital Solutions about once a week. I do not want to interact with them in any fashion. We are not in arrears on anything and I am not interested in discussing our finances with them.
|
| 09/04/2020 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Account information incorrect
|
|
Web |
|
|
Initial dispute date : XX/XX/2019 I have no knowledge of the account, and the company can not and has not presented the original paperwork with my signature opening the account. I did not open any credit accounts in XX/XX/2019. Yet, the company has stated that I opened this account XX/XX/2019.
|
| 11/11/2019 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
On XX/XX/2019 Reliant Capital Solutions sent a collections notice. A validation of debt notice was sent and received by Reliant.
Tracking number XXXX Delivered XX/XX/XXXX, XXXX XXXX , OH So Reliant received my dispute in XXXX. Today XX/XX/2019 Reliant posted this account to my credit score.
|
| 08/11/2017 |
Yes |
- Student loan
- Federal student loan servicing
|
- Dealing with your lender or servicer
- Trouble with how payments are being handled
|
|
Web |
Older American |
|
Reliant Capital Solutions began to garnishment actions against my wages on XXXX XXXX, 2017. The amount being withheld is {$310.00} per pay period ( twice monthly ). I was never contacted by Reliant never attempted to contact me to collect the debt or allow me to make payment arrangements.
|
| 06/09/2023 |
Yes |
- Debt collection
- Medical debt
|
- Attempts to collect debt not owed
- Debt was paid
|
|
Web |
|
|
Today XXXX, a debt collector, from Reliant Capital Solutions , LLC attempted to collect a debt from XX/XX/2020. The medical debt was already paid from my insurance settlement!
Also, my caller id showed XXXX called from XXXX, but gave me a callback phone number of XXXX very suspicious!
|
| 08/18/2022 |
Yes |
- Debt collection
- Federal student loan debt
|
- False statements or representation
- Attempted to collect wrong amount
|
|
Web |
|
|
I owed a bill to XXXXXXXX XXXX XXXX and the bill was {$6100.00}, I paid off {$3000.00} so the remaining should be XXXX. I couldnt pay it because Im a working student I had to take a gap semester and work in order to pay the rest. So why was I charged for fees that came out to XXXX
|
| 07/22/2022 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
Servicemember |
|
My winnings were taken at a Ohio casino for alleged money owed to state of Ohio and I have sent proof of residence for year in question which shows I was not living in Ohio at the time please have Ohio XXXX attorney General and reliant capital return my money please
|
| 09/08/2020 |
Yes |
- Debt collection
- I do not know
|
- Written notification about debt
- Didn't receive enough information to verify debt
|
|
Web |
|
|
I contacted this company about a delinquent account that appears on my credit report. I asked them to send me documents validating this debt. To this day I have yet to receive such documents nor has the account been marked as " disputed by consumer '' on my report.
|
| 02/03/2020 |
Yes |
- Student loan
- Federal student loan servicing
|
- Dealing with your lender or servicer
- Received bad information about your loan
|
|
Web |
|
|
I have attached some of the notes and I am waiting on the illegal documents filed. They stated I moved and didn't advice. The fact is I was homeless because of the Dept of Education and loan servicing companies FAILED me and I had XXXX XXXX. Surviving on the XXXX!
|
| 10/11/2015 |
Yes |
- Debt collection
- I do not know
|
- Cont'd attempts collect debt not owed
- Debt is not mine
|
|
Web |
|
|
XXXX XXXX XXXX XXXX, Ohio keeps calling me up at workplace, home cell phone and any which way they can to make me owe a debt that 's not mine. I 've repeatedly told them to stop calling and send letters without proof but there 's no benefit.
|
| 02/16/2022 |
Yes |
- Debt collection
- Medical debt
|
- Communication tactics
- Frequent or repeated calls
|
|
Web |
Older American |
|
These companies constantly have been calling when I do not have the fund to pay at this present time. Which I am going thru a bankruptcy and everything is taken time. But these companies keep calling threating me regarding making payments.
|
| 11/01/2023 |
Yes |
- Credit reporting or other personal consumer reports
- Credit reporting
|
- Improper use of your report
- Reporting company used your report improperly
|
|
Web |
|
|
I have reported things on my credit report that was not mine or accurate and yet it is still om my credit report. I also have things on my credit report that is not the correct spelling of my name and i have also tried to get it off.
|
| 11/14/2022 |
Yes |
- Debt collection
- Other debt
|
- Written notification about debt
- Didn't receive notice of right to dispute
|
|
Web |
|
|
My payment plan with my school was sent to collections without my knowledge. The collection company has reported this debt to my credit. Also the name they are reporting is not my name. This collection company reliant
|
| 03/07/2020 |
Yes |
- Debt collection
- Private student loan debt
|
- Attempts to collect debt not owed
- Debt was paid
|
|
Web |
Servicemember |
|
The debt the office of Reliant Capital Solutions LLC is trying to collect on has been paid in full to the original creditor already, yet the company is still attempting to communicate with me to collect on this debt.
|
| 02/19/2023 |
Yes |
- Debt collection
- Private student loan debt
|
- Written notification about debt
- Didn't receive enough information to verify debt
|
|
Web |
|
|
Debt is being reported for a XXXX XXXX account in my name that both the creditor and collection agency have not responded to requests to verify aside from providing an invoice which I do not have a connection with.
|
| 03/07/2022 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Problem with a credit reporting company's investigation into an existing problem
- Their investigation did not fix an error on your report
|
|
Web |
|
|
Account was deleted from credit file because company did not respond back in a timely manner. Company had account replaced back on credit file which is in violation of the consumer credit report act.
|
| 09/16/2015 |
Yes |
- Debt collection
- I do not know
|
- Communication tactics
- Frequent or repeated calls
|
|
Web |
|
|
I was looked up on XXXX by one of their agents ( XXXX XXXX ) and then I was called at my NEW PLACE of employment! He said I was his Academic Advisor and he needed to talk to me .... This is false.
|
| 01/18/2017 |
Yes |
- Debt collection
- Federal student loan
|
- False statements or representation
- Attempted to collect wrong amount
|
|
Web |
|
|
I was called about a student load that can not be found for the amount. I called both my school as well as XXXX. I have a company called reliant capital solutions calling and said I must pay.
|
| 04/06/2023 |
Yes |
- Debt collection
- Private student loan debt
|
- Communication tactics
- Frequent or repeated calls
|
|
Web |
|
|
Reliant Capital has called my family members in search of me. I was contacted by my brother today at XXXX XXXX about them calling him. I have attempted contact and have not heard back.
|
| 10/25/2021 |
Yes |
- Debt collection
- Private student loan debt
|
- Threatened to contact someone or share information improperly
- Talked to a third-party about your debt
|
|
Web |
|
|
on XX/XX/25 i received two back to back calls from reliant credit solutions, i did not answer as i was working, i then proceeded to be told that they have been contacting my work
|
| 11/10/2022 |
Yes |
- Student loan
- Private student loan
|
- Struggling to repay your loan
- Can't get other flexible options for repaying your loan
|
|
Web |
|
|
I tried to establish a payment amount that I could pay, but the collections company refused and was not understanding to my financial situation
|
| 06/23/2021 |
Yes |
- Debt collection
- Federal student loan debt
|
- False statements or representation
- Attempted to collect wrong amount
|
|
Web |
|
|
Monday I called Reliant capital solutions XXXX XXXX XXXX they say I owe XXXX But my student loan is XXXX they say its interest but its XXXX
|
| 12/07/2022 |
Yes |
- Debt collection
- Private student loan debt
|
- Written notification about debt
- Didn't receive enough information to verify debt
|
|
Web |
|
|
This school is trying to say I owe XXXX dollars I knew nothing of nor had any communication about before placing on my credit.
|
| 03/02/2021 |
Yes |
- Student loan
- Federal student loan servicing
|
- Struggling to repay your loan
- Can't get other flexible options for repaying your loan
|
|
Web |
|
|
I did not attend XXXX University, they did not return or refund of one or more Direct Loan Program or FFEL Program loans.
|
| 10/19/2021 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt was result of identity theft
|
|
Web |
|
|
Please remove all accounts listed, my information was compromised in a Data Breach. This debt has not been validated.
|
| 01/31/2024 |
Yes |
- Debt collection
- Federal student loan debt
|
- False statements or representation
- Indicated you were committing crime by not paying debt
|
|
Phone |
|
|
|
| 01/30/2024 |
Yes |
- Credit reporting or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Account status incorrect
|
|
Web |
|
|
|
| 01/28/2024 |
Yes |
- Debt collection
- I do not know
|
- Written notification about debt
- Didn't receive notice of right to dispute
|
|
Web |
|
|
|
| 01/10/2024 |
Yes |
- Debt collection
- I do not know
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
Servicemember |
|
|
| 12/29/2023 |
Yes |
- Credit reporting or other personal consumer reports
- Credit reporting
|
- Improper use of your report
- Reporting company used your report improperly
|
|
Web |
|
|
|
| 12/22/2023 |
Yes |
- Debt collection
- Private student loan debt
|
- Written notification about debt
- Notification didn't disclose it was an attempt to collect a debt
|
|
Web |
|
|
|
| 12/18/2023 |
Yes |
- Debt collection
- I do not know
|
- False statements or representation
- Attempted to collect wrong amount
|
|
Web |
|
|
|
| 12/11/2023 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt was result of identity theft
|
|
Web |
|
|
|
| 12/06/2023 |
Yes |
- Student loan
- Private student loan
|
- Getting a loan
- Loan opened without my consent or knowledge
|
|
Web |
|
|
|
| 10/18/2023 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt was paid
|
|
Web |
|
|
|
| 10/15/2023 |
Yes |
- Credit reporting or other personal consumer reports
- Credit reporting
|
- Improper use of your report
- Reporting company used your report improperly
|
|
Web |
|
|
|
| 10/12/2023 |
Yes |
- Debt collection
- I do not know
|
- Communication tactics
- You told them to stop contacting you, but they keep trying
|
|
Web |
|
|
|
| 09/28/2023 |
Yes |
- Debt collection
- I do not know
|
- Attempts to collect debt not owed
- Debt was result of identity theft
|
|
Web |
|
|
|
| 09/23/2023 |
Yes |
- Debt collection
- Other debt
|
- Took or threatened to take negative or legal action
- Threatened or suggested your credit would be damaged
|
|
Web |
|
|
|
| 08/03/2023 |
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 |
|
|
|
| 08/01/2023 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
|
- Incorrect information on your report
- Information belongs to someone else
|
|
Web |
|
|
|
| 07/09/2023 |
Yes |
- Debt collection
- I do not know
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
|
| 07/05/2023 |
Yes |
- Debt collection
- I do not know
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
|
| 06/30/2023 |
Yes |
- Debt collection
- Credit card debt
|
- Communication tactics
- You told them to stop contacting you, but they keep trying
|
|
Web |
|
|
|
| 06/23/2023 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt was already discharged in bankruptcy and is no longer owed
|
|
Web |
|
|
|
| 05/30/2023 |
Yes |
- Debt collection
- I do not know
|
- Written notification about debt
- Didn't receive enough information to verify debt
|
|
Web |
|
|
|
| 04/11/2023 |
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 |
|
|
|
| 04/10/2023 |
Yes |
- Debt collection
- Private student loan debt
|
- Written notification about debt
- Didn't receive enough information to verify debt
|
|
Web |
|
|
|
| 03/15/2023 |
Yes |
- Debt collection
- Private student loan debt
|
- Attempts to collect debt not owed
- Debt was already discharged in bankruptcy and is no longer owed
|
|
Web |
|
|
|
| 03/12/2023 |
Yes |
- Debt collection
- I do not know
|
- Attempts to collect debt not owed
- Debt was result of identity theft
|
|
Web |
|
|
|
| 03/09/2023 |
Yes |
- Debt collection
- I do not know
|
- False statements or representation
- Attempted to collect wrong amount
|
|
Web |
|
|
|
| 02/25/2023 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt was paid
|
|
Web |
Servicemember |
|
|
| 02/07/2023 |
Yes |
- Debt collection
- Credit card debt
|
- Written notification about debt
- Didn't receive enough information to verify debt
|
|
Web |
|
|
|
| 01/16/2023 |
Yes |
- Debt collection
- Credit card debt
|
- False statements or representation
- Attempted to collect wrong amount
|
|
Web |
|
|
|
| 12/22/2022 |
Yes |
- Debt collection
- Private student loan debt
|
- Written notification about debt
- Didn't receive enough information to verify debt
|
|
Phone |
|
|
|
| 12/12/2022 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Improper use of your report
- Report provided to employer without your written authorization
|
|
Web |
|
|
|
| 11/16/2022 |
Yes |
- Debt collection
- Private student loan debt
|
- Written notification about debt
- Didn't receive enough information to verify debt
|
|
Web |
|
|
|
| 11/03/2022 |
Yes |
- Debt collection
- Other debt
|
- Communication tactics
- Frequent or repeated calls
|
|
Web |
|
|
|
| 09/23/2022 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt was paid
|
|
Phone |
|
|
|
| 09/02/2022 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
|
| 08/30/2022 |
Yes |
- Debt collection
- Other debt
|
- Threatened to contact someone or share information improperly
- Contacted your employer
|
|
Web |
|
|
|
| 08/22/2022 |
Yes |
- Debt collection
- I do not know
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
|
| 08/18/2022 |
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 |
|
|
|
| 08/16/2022 |
Yes |
- Debt collection
- I do not know
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
Older American |
|
|
| 08/10/2022 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
|
| 08/08/2022 |
Yes |
- Debt collection
- I do not know
|
- Attempts to collect debt not owed
- Debt was result of identity theft
|
|
Web |
|
|
|
| 08/01/2022 |
No |
- Debt collection
- I do not know
|
- Written notification about debt
- Notification didn't disclose it was an attempt to collect a debt
|
|
Web |
|
|
|
| 07/22/2022 |
Yes |
- Debt collection
- Private student loan debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
|
| 07/06/2022 |
Yes |
- Debt collection
- Private student loan debt
|
- Written notification about debt
- Didn't receive enough information to verify debt
|
|
Web |
|
|
|
| 05/25/2022 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Problem with a credit reporting company's investigation into an existing problem
- Their investigation did not fix an error on your report
|
|
Web |
Servicemember |
|
|
| 04/18/2022 |
Yes |
- Debt collection
- Federal student loan debt
|
- Took or threatened to take negative or legal action
- Threatened or suggested your credit would be damaged
|
|
Web |
|
|
|
| 04/18/2022 |
Yes |
- Debt collection
- Federal student loan debt
|
- Communication tactics
- You told them to stop contacting you, but they keep trying
|
|
Web |
|
|
|
| 03/26/2022 |
Yes |
- Debt collection
- Credit card debt
|
- Attempts to collect debt not owed
- Debt was paid
|
|
Web |
Servicemember |
|
|
| 03/04/2022 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Information belongs to someone else
|
|
Web |
|
|
|
| 02/16/2022 |
Yes |
- Debt collection
- Federal student loan debt
|
- Took or threatened to take negative or legal action
- Threatened or suggested your credit would be damaged
|
|
Web |
|
|
|
| 02/07/2022 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt was result of identity theft
|
|
Web |
|
|
|
| 02/03/2022 |
Yes |
- Debt collection
- Credit card debt
|
- Written notification about debt
- Didn't receive enough information to verify debt
|
|
Web |
|
|
|
| 02/01/2022 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Information belongs to someone else
|
|
Referral |
|
|
|
| 12/13/2021 |
Yes |
- Debt collection
- Private student loan debt
|
- Attempts to collect debt not owed
- Debt was result of identity theft
|
|
Web |
|
|
|
| 12/13/2021 |
Yes |
- Debt collection
- Other debt
|
- False statements or representation
- Attempted to collect wrong amount
|
|
Web |
|
|
|
| 11/22/2021 |
Yes |
- Debt collection
- Auto debt
|
- Took or threatened to take negative or legal action
- Seized or attempted to seize your property
|
|
Web |
|
|
|
| 10/21/2021 |
Yes |
- Student loan
- Federal student loan servicing
|
- Dealing with your lender or servicer
- Don't agree with the fees charged
|
|
Phone |
|
|
|
| 10/13/2021 |
Yes |
- Debt collection
- I do not know
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
|
| 09/22/2021 |
Yes |
- Debt collection
- Federal student loan debt
|
- Communication tactics
- You told them to stop contacting you, but they keep trying
|
|
Web |
|
|
|
| 09/22/2021 |
Yes |
- Debt collection
- Federal student loan debt
|
- Communication tactics
- You told them to stop contacting you, but they keep trying
|
|
Web |
|
|
|
| 09/08/2021 |
Yes |
- Debt collection
- Private student loan debt
|
- Written notification about debt
- Didn't receive enough information to verify debt
|
|
Web |
|
|
|
| 08/26/2021 |
Yes |
- Debt collection
- Private student loan debt
|
- Communication tactics
- Called before 8am or after 9pm
|
|
Web |
|
|
|
| 08/20/2021 |
Yes |
- Debt collection
- Private student loan debt
|
- Written notification about debt
- Didn't receive enough information to verify debt
|
|
Web |
|
|
|
| 07/02/2021 |
Yes |
- Debt collection
- I do not know
|
- Written notification about debt
- Didn't receive enough information to verify debt
|
|
Web |
|
|
|
| 06/18/2021 |
Yes |
- Debt collection
- I do not know
|
- Written notification about debt
- Didn't receive notice of right to dispute
|
|
Web |
|
|
|
| 06/15/2021 |
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 |
|
|
|
| 04/21/2021 |
Yes |
- Debt collection
- Private student loan debt
|
- False statements or representation
- Impersonated attorney, law enforcement, or government official
|
|
Web |
Servicemember |
|
|
| 02/17/2021 |
Yes |
- Debt collection
- Private student loan debt
|
- Attempts to collect debt not owed
- Debt was already discharged in bankruptcy and is no longer owed
|
|
Web |
|
|
|
| 02/08/2021 |
Yes |
- Debt collection
- Federal student loan debt
|
- Took or threatened to take negative or legal action
- Collected or attempted to collect exempt funds
|
|
Phone |
|
|
|
| 01/21/2021 |
Yes |
- Student loan
- Federal student loan servicing
|
- Incorrect information on your report
- Account status incorrect
|
|
Web |
|
|
|
| 11/21/2020 |
Yes |
- Debt collection
- Private student loan debt
|
- Written notification about debt
- Didn't receive enough information to verify debt
|
|
Web |
|
|
|
| 10/01/2020 |
Yes |
- Debt collection
- Federal student loan debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
|
| 07/22/2020 |
Yes |
- Debt collection
- Credit card debt
|
- Threatened to contact someone or share information improperly
- Talked to a third-party about your debt
|
|
Web |
|
|
|
| 07/15/2020 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Account information incorrect
|
|
Web |
|
|
|
| 06/23/2020 |
Yes |
- Debt collection
- Private student loan debt
|
- Communication tactics
- Used obscene, profane, or other abusive language
|
|
Web |
|
|
|
| 06/10/2020 |
Yes |
- Debt collection
- Federal student loan debt
|
- False statements or representation
- Attempted to collect wrong amount
|
|
Web |
|
|
|
| 03/11/2020 |
Yes |
- Debt collection
- Federal student loan debt
|
- Written notification about debt
- Didn't receive enough information to verify debt
|
|
Phone |
Older American |
|
|
| 03/10/2020 |
Yes |
- Student loan
- Private student loan
|
- Struggling to repay your loan
- Can't get other flexible options for repaying your loan
|
|
Referral |
|
|
|
| 03/05/2020 |
Yes |
- Debt collection
- I do not know
|
- Written notification about debt
- Didn't receive enough information to verify debt
|
|
Referral |
|
|
|
| 03/05/2020 |
Yes |
- Student loan
- Federal student loan servicing
|
- Dealing with your lender or servicer
- Received bad information about your loan
|
|
Phone |
|
|
|
| 01/30/2020 |
Yes |
- Debt collection
- I do not know
|
- Communication tactics
- Frequent or repeated calls
|
|
Phone |
|
|
|
| 01/23/2020 |
No |
- Debt collection
- Federal student loan debt
|
- Attempts to collect debt not owed
- Debt was result of identity theft
|
|
Postal mail |
|
|
|
| 01/23/2020 |
Yes |
- Debt collection
- Federal student loan debt
|
- Written notification about debt
- Didn't receive enough information to verify debt
|
|
Postal mail |
|
|
|
| 01/10/2020 |
Yes |
- Debt collection
- Private student loan debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
|
| 01/09/2020 |
Yes |
- Debt collection
- Federal student loan debt
|
- Threatened to contact someone or share information improperly
- Contacted your employer
|
|
Web |
|
|
|
| 01/09/2020 |
Yes |
- Student loan
- Federal student loan servicing
|
- Struggling to repay your loan
- Problem lowering your monthly payments
|
|
Phone |
|
|
|
| 12/11/2019 |
Yes |
- Debt collection
- I do not know
|
- Took or threatened to take negative or legal action
- Threatened or suggested your credit would be damaged
|
|
Web |
|
|
|
| 11/22/2019 |
Yes |
- Debt collection
- Federal student loan debt
|
- Communication tactics
- Called before 8am or after 9pm
|
|
Phone |
Servicemember |
|
|
| 11/20/2019 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Information belongs to someone else
|
|
Web |
|
|
|
| 11/16/2019 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
|
| 11/05/2019 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
|
| 10/22/2019 |
Yes |
- Debt collection
- Federal student loan debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
|
| 10/12/2019 |
Yes |
- Debt collection
- Other debt
|
- False statements or representation
- Attempted to collect wrong amount
|
|
Web |
|
|
|
| 09/13/2019 |
Yes |
- Debt collection
- Federal student loan debt
|
- Communication tactics
- Frequent or repeated calls
|
|
Web |
Servicemember |
|
|
| 06/05/2019 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Information belongs to someone else
|
|
Web |
|
|
|
| 04/16/2019 |
Yes |
- Debt collection
- Federal student loan debt
|
- Written notification about debt
- Didn't receive enough information to verify debt
|
|
Postal mail |
Older American |
|
|
| 03/27/2019 |
Yes |
- Student loan
- Federal student loan servicing
|
- Dealing with your lender or servicer
- Trouble with how payments are being handled
|
|
Phone |
|
|
|
| 03/04/2019 |
No |
- Debt collection
- Federal student loan debt
|
- False statements or representation
- Attempted to collect wrong amount
|
|
Postal mail |
|
|
|
| 02/21/2019 |
Yes |
- Debt collection
- Federal student loan debt
|
- Communication tactics
- Called before 8am or after 9pm
|
|
Web |
|
|
|
| 01/03/2019 |
Yes |
- Debt collection
- Private student loan debt
|
- Threatened to contact someone or share information improperly
- Talked to a third-party about your debt
|
|
Web |
|
|
|
| 11/13/2018 |
Yes |
- Debt collection
- Federal student loan debt
|
- False statements or representation
- Impersonated attorney, law enforcement, or government official
|
|
Web |
Servicemember |
|
|
| 11/06/2018 |
Yes |
- Debt collection
- Private student loan debt
|
- Communication tactics
- Frequent or repeated calls
|
|
Phone |
|
|
|
| 11/03/2018 |
Yes |
- Debt collection
- I do not know
|
- False statements or representation
- Indicated you were committing crime by not paying debt
|
|
Web |
|
|
|
| 11/03/2018 |
Yes |
- Debt collection
- I do not know
|
- False statements or representation
- Indicated you were committing crime by not paying debt
|
|
Web |
|
|
|
| 10/09/2018 |
Yes |
- Debt collection
- I do not know
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
Servicemember |
|
|
| 09/26/2018 |
Yes |
- Debt collection
- Federal student loan debt
|
- Written notification about debt
- Notification didn't disclose it was an attempt to collect a debt
|
|
Phone |
Servicemember |
|
|
| 09/11/2018 |
Yes |
- Debt collection
- Other debt
|
- Communication tactics
- Used obscene, profane, or other abusive language
|
|
Phone |
|
|
|
| 09/05/2018 |
Yes |
- Student loan
- Federal student loan servicing
|
- Struggling to repay your loan
- Can't get other flexible options for repaying your loan
|
|
Web |
|
|
|
| 06/13/2018 |
Yes |
- Debt collection
- Other debt
|
- Took or threatened to take negative or legal action
- Threatened or suggested your credit would be damaged
|
|
Web |
Servicemember |
|
|
| 05/23/2018 |
Yes |
- Debt collection
- Other debt
|
- Communication tactics
- Called before 8am or after 9pm
|
|
Web |
|
|
|
| 05/11/2018 |
Yes |
- Student loan
- Federal student loan servicing
|
- Dealing with your lender or servicer
- Trouble with how payments are being handled
|
|
Web |
|
|
|
| 04/07/2018 |
Yes |
- Debt collection
- Federal student loan debt
|
- Written notification about debt
- Didn't receive notice of right to dispute
|
|
Web |
|
|
|
| 04/06/2018 |
Yes |
- Debt collection
- Federal student loan debt
|
- Written notification about debt
- Didn't receive notice of right to dispute
|
|
Web |
|
|
|
| 04/05/2018 |
Yes |
- Debt collection
- Private student loan debt
|
- Written notification about debt
- Didn't receive enough information to verify debt
|
|
Referral |
|
|
|
| 04/02/2018 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Account status incorrect
|
|
Web |
|
|
|
| 03/15/2018 |
Yes |
- Debt collection
- Payday loan debt
|
- Took or threatened to take negative or legal action
- Sued you without properly notifying you of lawsuit
|
|
Web |
|
|
|
| 02/01/2018 |
Yes |
- Debt collection
- Federal student loan debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Postal mail |
|
|
|
| 01/24/2018 |
Yes |
- Debt collection
- Private student loan debt
|
- False statements or representation
- Attempted to collect wrong amount
|
|
Web |
|
|
|
| 12/19/2017 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Phone |
|
|
|
| 12/13/2017 |
Yes |
- Debt collection
- Other debt
|
- Written notification about debt
- Didn't receive enough information to verify debt
|
|
Web |
|
|
|
| 11/21/2017 |
Yes |
- Debt collection
- Other debt
|
- Written notification about debt
- Didn't receive enough information to verify debt
|
|
Postal mail |
|
|
|
| 10/30/2017 |
Yes |
- Debt collection
- Private student loan debt
|
- Took or threatened to take negative or legal action
- Threatened or suggested your credit would be damaged
|
|
Web |
|
|
|
| 09/18/2017 |
Yes |
- Debt collection
- Other debt
|
- Written notification about debt
- Didn't receive enough information to verify debt
|
|
Web |
|
|
|
| 09/13/2017 |
Yes |
- Debt collection
- Federal student loan debt
|
- Written notification about debt
- Didn't receive enough information to verify debt
|
|
Referral |
|
|
|
| 09/08/2017 |
Yes |
- Debt collection
- Federal student loan debt
|
- Attempts to collect debt not owed
- Debt was paid
|
|
Web |
|
|
|
| 07/18/2017 |
Yes |
- Debt collection
- Other debt
|
- Threatened to contact someone or share information improperly
- Talked to a third-party about your debt
|
|
Web |
Servicemember |
|
|
| 06/30/2017 |
Yes |
- Debt collection
- Private student loan debt
|
- Written notification about debt
- Didn't receive enough information to verify debt
|
|
Web |
|
|
|
| 06/25/2017 |
Yes |
- Debt collection
- Other debt
|
- Threatened to contact someone or share information improperly
- Contacted your employer
|
|
Web |
Servicemember |
|
|
| 05/13/2017 |
No |
- Student loan
- Federal student loan servicing
|
- Struggling to repay your loan
- Can't get other flexible options for repaying your loan
|
|
Web |
Servicemember |
|
|
| 05/10/2017 |
Yes |
- Student loan
- Federal student loan servicing
|
- Struggling to repay your loan
- Problem lowering your monthly payments
|
|
Web |
|
|
|
| 04/09/2017 |
Yes |
- Debt collection
- Non-federal student loan
|
- Disclosure verification of debt
- Not given enough info to verify debt
|
|
Web |
|
|
|
| 04/07/2017 |
Yes |
- Debt collection
- Non-federal student loan
|
- Improper contact or sharing of info
- Contacted me after I asked not to
|
|
Postal mail |
|
|
|
| 03/24/2017 |
Yes |
- Debt collection
- Other (i.e. phone, health club, etc.)
|
- Communication tactics
- Frequent or repeated calls
|
|
Web |
|
|
|
| 03/10/2017 |
Yes |
- Debt collection
- Non-federal student loan
|
- Disclosure verification of debt
- Not given enough info to verify debt
|
|
Phone |
|
|
|
| 03/01/2017 |
Yes |
- Student loan
- Non-federal student loan
|
- Dealing with my lender or servicer
- Trouble with how payments are handled
|
|
Web |
|
|
|
| 02/14/2017 |
Yes |
- Student loan
- Federal student loan servicing
|
- Dealing with my lender or servicer
- Having problems with customer service
|
|
Web |
|
|
|
| 01/12/2017 |
Yes |
- Debt collection
- Non-federal student loan
|
- False statements or representation
- Attempted to collect wrong amount
|
|
Referral |
|
|
|
| 01/08/2017 |
Yes |
- Debt collection
- Other (i.e. phone, health club, etc.)
|
- False statements or representation
- Attempted to collect wrong amount
|
|
Web |
|
|
|
| 10/26/2016 |
Yes |
- Student loan
- Federal student loan servicing
|
- Dealing with my lender or servicer
- Don't agree with fees charged
|
|
Web |
|
|
|
| 08/02/2016 |
Yes |
- Student loan
- Non-federal student loan
|
- Can't repay my loan
- Can't decrease my monthly payments
|
|
Web |
Servicemember |
|
|
| 07/29/2016 |
Yes |
- Debt collection
- I do not know
|
- Communication tactics
- Used obscene/profane/abusive language
|
|
Web |
Older American |
|
|
| 07/19/2016 |
Yes |
- Debt collection
- Other (i.e. phone, health club, etc.)
|
- Disclosure verification of debt
- Not given enough info to verify debt
|
|
Postal mail |
|
|
|
| 05/25/2016 |
Yes |
- Debt collection
- I do not know
|
- Cont'd attempts collect debt not owed
- Debt is not mine
|
|
Web |
|
|
|
| 03/19/2016 |
Yes |
- Debt collection
- Other (i.e. phone, health club, etc.)
|
- Communication tactics
- Threatened to take legal action
|
|
Web |
|
|
|
| 02/25/2016 |
Yes |
- Debt collection
- Other (i.e. phone, health club, etc.)
|
- Cont'd attempts collect debt not owed
- Debt is not mine
|
|
Web |
|
|
|
| 02/02/2016 |
Yes |
- Debt collection
- Non-federal student loan
|
- Communication tactics
- Used obscene/profane/abusive language
|
|
Web |
|
|
|
| 10/16/2015 |
Yes |
- Debt collection
- I do not know
|
- Communication tactics
- Threatened to take legal action
|
|
Phone |
Older American |
|
|
| 10/02/2015 |
Yes |
- Debt collection
- Federal student loan
|
- Disclosure verification of debt
- Right to dispute notice not received
|
|
Web |
|
|
|
| 09/30/2015 |
Yes |
- Consumer Loan
- Installment loan
|
- Managing the loan or lease
|
|
Web |
|
|
|
| 05/19/2015 |
Yes |
- Debt collection
- Other (i.e. phone, health club, etc.)
|
- Cont'd attempts collect debt not owed
- Debt is not mine
|
|
Web |
|
|
|
| 04/22/2015 |
Yes |
- Debt collection
- I do not know
|
- Communication tactics
- Frequent or repeated calls
|
|
Web |
|
|
|
| 02/23/2015 |
Yes |
- Debt collection
- Other (i.e. phone, health club, etc.)
|
- Cont'd attempts collect debt not owed
- Debt is not mine
|
|
Web |
|
|
|
| 02/05/2015 |
Yes |
- Debt collection
- Federal student loan
|
- Disclosure verification of debt
- Not disclosed as an attempt to collect
|
|
Web |
|
|
|
| 01/26/2015 |
Yes |
- Debt collection
- I do not know
|
- Communication tactics
- Frequent or repeated calls
|
|
Web |
|
|
|
| 12/29/2014 |
Yes |
- Debt collection
- Non-federal student loan
|
- False statements or representation
- Attempted to collect wrong amount
|
|
Phone |
Older American, Servicemember |
|
|
| 12/22/2014 |
Yes |
- Debt collection
- Other (i.e. phone, health club, etc.)
|
- Cont'd attempts collect debt not owed
- Debt is not mine
|
|
Phone |
Older American |
|
|
| 12/16/2014 |
Yes |
- Debt collection
- I do not know
|
- Improper contact or sharing of info
- Contacted me after I asked not to
|
|
Web |
|
|
|
| 12/15/2014 |
Yes |
- Debt collection
- Credit card
|
- Disclosure verification of debt
- Not given enough info to verify debt
|
|
Web |
Servicemember |
|
|
| 11/07/2014 |
Yes |
|
- Communication tactics
- Used obscene/profane/abusive language
|
|
Web |
|
|
|
| 10/28/2014 |
Yes |
- Debt collection
- Other (i.e. phone, health club, etc.)
|
- Improper contact or sharing of info
- Contacted me after I asked not to
|
|
Web |
|
|
|
| 10/17/2014 |
Yes |
- Debt collection
- Federal student loan
|
- Communication tactics
- Threatened to take legal action
|
|
Web |
|
|
|
| 10/15/2014 |
Yes |
- Debt collection
- Federal student loan
|
- Disclosure verification of debt
- Not given enough info to verify debt
|
|
Web |
|
|
|
| 10/03/2014 |
No |
- Debt collection
- Other (i.e. phone, health club, etc.)
|
- Communication tactics
- Threatened to take legal action
|
|
Web |
Servicemember |
|
|
| 08/05/2014 |
Yes |
- Debt collection
- I do not know
|
- Improper contact or sharing of info
- Contacted me after I asked not to
|
|
Web |
|
|
|
| 07/30/2014 |
Yes |
- Debt collection
- Other (i.e. phone, health club, etc.)
|
- Cont'd attempts collect debt not owed
- Debt is not mine
|
|
Web |
Servicemember |
|
|
| 07/16/2014 |
Yes |
- Debt collection
- I do not know
|
- Disclosure verification of debt
- Not given enough info to verify debt
|
|
Postal mail |
|
|
|
| 07/08/2014 |
Yes |
- Debt collection
- Other (i.e. phone, health club, etc.)
|
- Cont'd attempts collect debt not owed
- Debt is not mine
|
|
Web |
|
|
|
| 06/19/2014 |
Yes |
- Debt collection
- I do not know
|
- Improper contact or sharing of info
- Talked to a third party about my debt
|
|
Web |
|
|
|
| 06/18/2014 |
Yes |
- Debt collection
- Non-federal student loan
|
- Communication tactics
- Frequent or repeated calls
|
|
Web |
|
|
|
| 06/03/2014 |
Yes |
- Debt collection
- Credit card
|
- Communication tactics
- Frequent or repeated calls
|
|
Web |
|
|
|
| 05/22/2014 |
Yes |
|
- Cont'd attempts collect debt not owed
- Debt is not mine
|
|
Web |
|
|
|
| 05/19/2014 |
Yes |
- Debt collection
- Other (i.e. phone, health club, etc.)
|
- Communication tactics
- Called outside of 8am-9pm
|
|
Web |
|
|
|
| 05/09/2014 |
Yes |
- Debt collection
- Other (i.e. phone, health club, etc.)
|
- False statements or representation
- Attempted to collect wrong amount
|
|
Web |
|
|
|
| 04/15/2014 |
Yes |
- Debt collection
- Other (i.e. phone, health club, etc.)
|
- Improper contact or sharing of info
- Contacted employer after asked not to
|
|
Web |
|
|
|
| 04/08/2014 |
Yes |
- Debt collection
- Non-federal student loan
|
- Communication tactics
- Frequent or repeated calls
|
|
Web |
|
|
|
| 04/02/2014 |
Yes |
- Debt collection
- Other (i.e. phone, health club, etc.)
|
- Cont'd attempts collect debt not owed
- Debt is not mine
|
|
Web |
Servicemember |
|
|
| 03/21/2014 |
Yes |
- Debt collection
- Other (i.e. phone, health club, etc.)
|
- False statements or representation
- Attempted to collect wrong amount
|
|
Postal mail |
|
|
|
| 02/26/2014 |
Yes |
- Debt collection
- Non-federal student loan
|
- Communication tactics
- Threatened to take legal action
|
|
Web |
|
|
|
| 02/18/2014 |
Yes |
- Debt collection
- Federal student loan
|
- False statements or representation
- Impersonated an attorney or official
|
|
Web |
|
|
|
| 01/28/2014 |
Yes |
- Debt collection
- Federal student loan
|
- Improper contact or sharing of info
- Contacted employer after asked not to
|
|
Web |
|
|
|
| 12/04/2013 |
Yes |
- Debt collection
- Non-federal student loan
|
- Communication tactics
- Frequent or repeated calls
|
|
Phone |
|
|
|
| 11/25/2013 |
Yes |
- Debt collection
- Non-federal student loan
|
- Disclosure verification of debt
- Not given enough info to verify debt
|
|
Web |
|
|
|
| 10/29/2013 |
Yes |
- Debt collection
- I do not know
|
- False statements or representation
- Impersonated an attorney or official
|
|
Web |
|
|
|
| 10/18/2013 |
Yes |
- Debt collection
- I do not know
|
- False statements or representation
- Impersonated an attorney or official
|
|
Web |
|
|
|
| 10/16/2013 |
Yes |
- Debt collection
- Other (i.e. phone, health club, etc.)
|
- Communication tactics
- Threatened to take legal action
|
|
Web |
|
|
|
| 09/13/2013 |
Yes |
- Debt collection
- Non-federal student loan
|
- Disclosure verification of debt
- Not disclosed as an attempt to collect
|
|
Web |
Servicemember |
|
|
| 08/26/2013 |
Yes |
- Debt collection
- Other (i.e. phone, health club, etc.)
|
- Cont'd attempts collect debt not owed
- Debt is not mine
|
|
Web |
|
|
|