RGS Financial, Inc. CFPB Complaints

2000 Latest Complaints

Date Received	Timely Response	Product	Issue	State / Zip	Submitted Via	Tags
12/21/2017	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt is not yours	LA 70043	Web
I noticed that you are reporting inaccurate data - such as : REPORTING AN ACCOUNT AS A COLLECTION ACCOUNT MULTIPLE MONTHS IN A ROW WHEN AN ACCOUNT CAN ONLY GO INTO COLLECTIONS ONE TIME. NOT 4 TO 24 MONTHS IN A ROW LIKE YOU ARE REPORTING IT!!! AND NOT AS A BRAND NEW COLLECTION EACH MONTH ... YOU HAVE REPORTED THESE ACCOUNT INACCURATELY LONG ENOUGH.. .REAGING OF AN ACCOUNT IS A MISREPRESENTAION OF MY CREDIT HISTOR-Y ... XXXX so DELETE THESE ACCOUNTS NOW!!!! PLEASE!!!!! I have fully researched my rights and found that the Fair Credit Reporting Act does not allow you to victimize innocent credit worthy people by reporting erroneous false information. Under the FCRA, the following applies to me XXXX Louisiana Laws Civil Code CC XXXX Actions subject to a three-year prescription Universal Citation : LA XXXX XXXX XXXX SECTION XXXX. THREE YEAR PRESCRIPTION Art. XXXX. Actions subject to a three-year prescription The following actions are subject to a liberative prescription of three years : ( 1 ) An action for the recovery of compensation for services rendered, including payment of salaries, wages, commissions, tuition fees, professional fees, fees and emoluments of public officials, freight, passage, money, lodging, and board ; ( 2 ) An action for arrearages of rent and annuities ; ( 3 ) An action on money lent ; ( 4 ) An action on an open account ; and ( 5 ) An action to recover underpayments or overpayments of royalties from the production of minerals, provided that nothing herein applies to any payments, rent, or royalties derived from state-owned properties. Acts XXXX, XXXX. XXXX, XXXX civil code sec. XXXX art. XXXX Louisiana Also I would like to state you keep deleting accounts and then the creditors add them back to my credit and re age debts that are in fact 3 + years older and also none of the creditors are registered in the state of Louisiana. I have provided proof were accounts have been deleted and creditors are illegally adding accounts back as new accounts. I have also provided proof that you are reporting accounts open that have been charged off and in my state prescription which is only allowed there Years ... do whats right and delete these accounts as you are reporting false documents!!! The following accounts listed on my credit as follows XXXX financial- 3 years old and not my debt. XXXX is still reporting Ive also added my FCRA guidelines that apply to me as well 611. Procedure in case of disputed accuracy [ XXXX U.S.C. XXXX ] 5 ) Treatment of Inaccurate or Unverifiable Information ( A ) In general. If, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation ; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer. B ) Requirements Relating to Reinsertion of Previously Deleted Material ( i ) Certification of accuracy of information. If any information is deleted from a consumer 's file pursuant to subparagraph ( A ), the information may not be reinserted in the file by the consumer reporting agency unless the person who furnishes the information certifies that the information is complete and accurate. ( ii ) Notice to consumer. If any information that has been deleted from a consumer 's file pursuant to subparagraph ( A ) is reinserted in the file, the consumer reporting agency shall notify the consumer of the reinsertion in writing not later than 5 business days after the reinsertion or, if authorized by the consumer for that purpose, by any other means available to the agency. ( iii ) Additional information. As part of, or in addition to, the notice under clause ( ii ), a consumer reporting agency shall provide to a consumer in writing not later than 5 business days after the date of the reinsertion ( I ) a statement that the disputed information has been reinserted ; ( II ) the business name and address of any furnisher of information contacted and the telephone number of such furnisher, if reasonably available, or of any furnisher of information that contacted the consumer reporting agency, in connection with the reinsertion of such information ; and ( III ) a notice that the consumer has the right to add a statement to the consumer 's file disputing the accuracy or completeness of the disputed information. ( C ) Procedures to prevent reappearance. A consumer reporting agency shall maintain reasonable procedures designed to prevent the reappearance in a consumer 's file, and in consumer reports on the consumer, of information that is deleted pursuant to this paragraph ( other than information that is reinserted in accordance with subparagraph ( B ) ( i ) ). ( D ) Automated reinvestigation system. Any consumer reporting agency that compiles and maintains files on consumers on a nationwide basis shall implement an automated system through which furnishers of information to that consumer reporting agency may report the results of a reinvestigation that finds incomplete or inaccurate information in a consumer 's file to other such consumer reporting agencies. ( 6 ) Notice of Results of Reinvestigation ( A ) In general. A consumer reporting agency shall provide written notice to a consumer of the results of a reinvestigation under this subsection not later than 5 business days after the completion of the reinvestigation, by mail or, if authorized by the consumer for that purpose, by other means available to the agency. ( B ) Contents. As part of, or in addition to, the notice under subparagraph ( A ), a consumer reporting agency shall provide to a consumer in writing before the expiration of the 5-day period referred to in subparagraph ( A ) ( i ) a statement that the reinvestigation is completed ; ( ii ) a consumer report that is based upon the consumer 's file as that file is revised as a result of the reinvestigation ; ( iii ) a notice that, if requested by the consumer, a description of the procedure used to determine the accuracy and completeness of the information shall be provided to the consumer by the agency, including the business name and address of any furnisher of information contacted in connection with such information and the telephone number of such furnisher, if reasonably available ; ( iv ) a notice that the consumer has the right to add a statement to the consumer 's file disputing the accuracy or completeness of the information ; and ( v ) a notice that the consumer has the right to request under subsection ( d ) that the consumer reporting agency furnish notifications under that subsection. ( 7 ) Description of reinvestigation procedure. A consumer reporting agency shall provide to a consumer a description referred to in paragraph ( 6 ) ( B ) ( iii ) by not later than 15 days after receiving a request from the consumer for that description. ( 8 ) Expedited dispute resolution. If a dispute regarding an item of information in a consumer 's file at a consumer reporting agency is resolved in accordance with paragraph ( 5 ) ( A ) by the deletion of the disputed information by not later than 3 business days after the date on which the agency receives notice of the dispute from the consumer in accordance with paragraph ( 1 ) ( A ), then the agency shall not be required to comply with paragraphs ( 2 ), ( 6 ), and ( 7 ) with respect to that dispute if the agency ( A ) provides prompt notice of the deletion to the consumer by telephone ; ( B ) includes in that notice, or in a written notice that accompanies a confirmation and consumer report provided in accordance with subparagraph ( C ), a statement of the consumer 's right to request under subsection ( d ) that the agency furnish notifications under that subsection ; and ( C ) provides written confirmation of the deletion and a copy of a consumer report on the consumer that is based on the consumer 's file after the deletion, not later than 5 business days after making the deletion. With this being said Im aware of my rights. Please do whats right and delete and make sure these stay off my reports. Thanks happy holidays XXXX.
11/04/2019	Yes	Debt collection I do not know	Communication tactics You told them to stop contacting you, but they keep trying	CO 802XX	Web
I believe this company had contacted me previously at this place of business. I kept receiving calls from XXXX but, I did not keep track at the time. I finally got in touch with someone at the agency and they assured me they would remove our office phone number as the employee they were looking for is a field employee regarding a previous occurrence with the same phone #. At that point they were put on notice this was a business and an incorrect phone number to reach anyone regarding debt and I had figured we would not continue to get any calls from them. I got a call today at XXXX at XXXX from XXXX, I answered and I identified our business name, I was then hung up on immediately after. I called the number back and indicated to the representative the number again was likely incorrect, the name she gave was " XXXX XXXX '' a female. I indicated I had already put them on notice so I would like to know who they were calling for so I could ensure we do not continue to receive the same calls and verify if they had already called for this person after I told them this is the wrong number and to not call here. She told me there was no way they could have called me because they just got the account. I indicated I was calling off of the caller ID phone number so YES they did call our business, red flag # 1. I then asked who they were calling for again so I could confirm if they put the " wrong number '' update on all their files after they are told previously ( maybe a different debtor ). The representative refused to give me the name of who they were calling for, which is a no no, they are required to inform you who they are where they are calling from and who they are calling for. I then remembered they did this to me on the previous call I made to them about an incorrect phone number and I talked to a manager then and again, I asked for her manager directly at this time as well ( I did collections for 13 years, I am aware what they are doing is illegal ), a person got on the line and I could not confirm if they were female or male, they indicated their name was " XXXX XXXX '' they stated they were a manager only after I asked if he was a manageXXXX or not. I then again explained I have already put them on notice indicating this is an invalid number for collection purposes and wanted to know the name of the person of whom they are calling our business for, the manager XXXX XXXX then advised me that he can not disclose that information to me, I know this to be false they can and they are supposed to. He then started to talk over me and cut me off, I asked what the name of the company was, he told me " XXXX '' I repeated " XXXX ''? then asked why it comes up as XXXX XXXX XXXX XXXX on my caller ID? He refused to answer that question as well and told me that he already addressed my concerns and there was nothing else he could do for me. Again speaking over me and being less than professional. I then advised him I wanted to know the name of the person they are calling for, as I believe I had already notified them they can not reach that person here, he continued to go back and forth with me indicating no fault and being very rude and belittling, he did not help me one bit nor did they address the incorrect phone number concern. I had to call back and pretend I was a customer to get the mailing address to file the complaint as that information was not provided to me either.
09/19/2023	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt is not yours	MD 20735	Web
Subject : Complaint Regarding XXXX 's Sale of Account to RGS - Request for CFPB Intervention Dear Consumer Financial Protection Bureau, I am writing to file a complaint against XXXX for selling my account to RGS, a third-party debt collection agency, without proper notification or authorization. Despite my attempts to address this issue directly with XXXX, I have not received a satisfactory resolution. Therefore, I am seeking your intervention and assistance in resolving this matter. Incident Details : 1. Account Sale to RGS : - XX/XX/2023 - Account Number : XXXX RGS Reference : XXXX The unauthorized sale of my account by XXXX to RGS is a clear violation of consumer protection laws, including the Fair Debt Collection Practices Act ( FDCPA ) and other applicable regulations. This action has caused significant distress and concern, as I did not authorize or consent to the transfer of my account to a third-party debt collection agency. I urgently request the following actions from the Consumer Financial Protection Bureau : Conduct an immediate investigation into XXXX 's unauthorized sale of my account to RGS without proper notification or approval. Ensure that XXXX provides an immediate and satisfactory resolution to this matter, including reversing the account sale and terminating any collection activities by RGS. Require XXXX to provide written confirmation of the unauthorized account sale and any related documentation. Direct RGS to cease all collection activities related to my account until this matter is fully resolved. Take swift and appropriate enforcement action against XXXX for their violation of consumer protection laws. Provide me with regular updates on the progress of the investigation and resolution of the complaint. I deeply appreciate the Consumer Financial Protection Bureau 's commitment to upholding consumer rights and ensuring fair practices in the marketplace. Given the urgency and potential harm caused by this unauthorized account sale, I kindly request your immediate attention to this matter and your swift intervention to rectify the situation. Thank you for your prompt consideration of this complaint. I eagerly await a resolution to this distressing issue. Sincerely, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MD XXXX
08/24/2022	Yes	Debt collection Credit card debt	False statements or representation Impersonated attorney, law enforcement, or government official	IL 60616	Web
This complaint is regarding the RGS financial account number XXXX, Original Creditor : XXXX XXXX XXXX, Current Balance {$10000.00}. Today, XX/XX/2022, at XXXXXXXX XXXX CT, I received a call with a caller ID XXXX XXXX XXXX Since I am a XXXX XXXX I thought it was from my school and answered. When I answered, the representative said she would like to speak with me. I thought something was very odd, and I asked, where is this call from? Then, the representative said, It is a debt collector, calling from RGS Financial. I was stunned. Also, when I asked why your caller ID showed that you appeared as XXXXXXXX XXXX XXXX, the lady told me, Because you are a graduate student, we wanted to work with you and help you. I was speechless. When I previously contacted via a chat through RGS Financial website regarding any settlement options available, I disclosed that I am a graduate student to the representative I had a conversation with, XXXX XXXX, who was very pleasant and kind to discuss available options for me. However, todays call and the conversation I had today, not only violated Fair Debt Collection Practices Act 807. False or misleading representations but also it is not acceptable. Lastly, I told the previous representative, XXXX XXXX, on XX/XX/2022, that I could pay the settlement payment all at once on XX/XX/XXXX or later. Then I was told that the system allows scheduling a payment only 30 days in advance. So, it was ended that I would call at the end of XXXX to schedule payment for the settlement offer available for me. However, again, I got a call from RGS Financial today even though I already talked and discussed it with the previous agentwhich violated Fair Debt Collection Practices Act 806. Harassment or abuse. I have attached the screenshots showing caller ID as XXXX XXXX XXXX and the chat I had with XXXX XXXX on XX/XX/XXXX, showing that we discussed the settlement, and I am the one supposed to call her to schedule the payment at the end of XX/XX/2022.
07/10/2018	Yes	Debt collection Medical debt	Took or threatened to take negative or legal action Threatened or suggested your credit would be damaged	MI 480XX	Web
This complaint is in regards to XXXX treatment rendered and completed in the latter months of XX/XX/XXXX. Exact dates are not know for treatment. My XXXX treatment was completed XX/XX/XXXX. I have received a letter in the mail from a collection agency for the treatment received by my former employer XXXX XXXX XXXX in XXXX OH Re : acct # XXXX. I would like to make it clear that my complaint is NOT directed towards the XXXX that rendered thesXXXX XXXX services to me. My compliant is however directed towards the clerical staff and manager that were/are involved in this alleged debt. A notice for a bill in the amount of {$2700.00} was sent to me on behalf of XXXX XXXX XXXX- XXXX office by RGS collection agency on XX/XX/XXXX. Exactly 3 days before my employment was ending due to me relocating out of state. An employee discount was discussed and offered by the treating dentist and approved by the office manager XXXX XXXX before any XXXX treatment was rendered. The amount attempted to be collected was explained away by XXXX XXXX as several different clerical oversights and billing issues with my XXXX insurance company. I was told by XXXX XXXX on several occasions to disregard any bills that were received, that they were to be cleared up by herself or company admin. I was told this for 2+ years up until the date of receipt of the collection notice and after. My moving out of state ( XX/XX/XXXX ) seemed to be an out for my former employer and manager XXXX XXXX to saddle me with debt I don't owe nor has she provided proof of me owing via a signed treatment plan to confirm this debt. My credit is in jeopardy of being damaged by this debt collection that XXXX XXXX knows will dis-rail my future career goals in real estate as an real estate investor and a major reason of my relocation. Any efforts to resolve this issue reasonably seems to be exhausted.
10/29/2017	Yes	Debt collection Other debt	False statements or representation Attempted to collect wrong amount	WI 53005	Web
In XX/XX/XXXX I moved from XXXX, XXXX to XXXX, XXXX due to job change and put my home in XXXX in the market and eventually sold in XX/XX/XXXX. I called my cable services ( XXXX XXXX XXXX ; A/C XXXX XXXX XXXX ), and they came on-site to disconnect on XX/XX/XXXX and took one of the cable modems ( I bought the other one ) with them. I received my last bill showing after the return of the equipment and adjustment my final is a credit to me for ( {$20.00} ), copy enclosed dated XX/XX/XXXX. However, within a month I received a revised bill dated XX/XX/XXXX showing that I owe {$110.00}. I called them number of times and have records of most of them ( e.g., discussion on XX/XX/XXXX Ref # XXXX ) and tried to resolve XXXX XXXX changed position that I did not return the modem and hence should pay for it. Finally, In XX/XX/XXXX they informed me that they will refer to a credit collection agency ignoring my offer to settle it for 50 % of the disputed amount ( their counter offer was 20 % ). Finally, I started receiving calls and mail from RGS ( a collection services company, XXXX ; A/C XXXX ), after sharing my documentation with them ( see enclosed e-mail ) and number of discussions they advised me to work with XXXX directly, they are not authorized to accept my repeated offer to settle for 50 %. In my discussion with XXXX XXXX from RGS on XX/XX/XXXX, he agreed with my position after review of records I shared with them, and since then RGS stopped calling me. Last time I tried to make a final offer to XXXX was on XX/XX/XXXX ( XXXX ), and it was declined as well. I have had excellent credit history with NO previous record of non-payment or late payment, my FICO score until recently was around XXXX. However, since this SINGLE incident reporting it has dropped to XXXX. Requesting your review and assistance with this matter, my cell is XXXX.
09/21/2018	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt was paid	WA 98102	Web
I opened a residential internet account with XXXX XXXX during XXXX of XXXX in XXXX, XXXX. When opening the account at the XXXX store in XXXX ( located at XXXX XXXX XXXX XXXX XXXX # XXXX ) I purchased a XXXX brand modem. We continued internet service with XXXX through the summer of XXXX, when we moved to XXXX. When I called to transfer service to our new address, I was told that because I was moving to a new region I would have to set up a new account, but that XXXX would transfer everything over for me. While transferring our service ( according to someone I spoke with at XXXX this past fall ), the technician erroneously marked that our modem was rented, and not owned, even though everyone I have spoken with at XXXX has told me they have been able to see that I did indeed purchase the modem. Even though XXXX knew I purchased the modem, they erroneously charged me a second time, and later sold the modem " debt '' to a collection agency called XXXX XXXX XXXX around XXXX of XXXX. It took me until XXXX of XXXX to establish with XXXX that I did indeed own the modem, that I had purchased and paid for it in full when I set up our internet service in XXXX, and that the account never should have been charged off. I was told that the matter was settled, and the debt was removed from my credit reports in XXXX of XXXX. However, I found out earlier today that my " debt '' was sold to another collection agency-this time to a company called RGS Financial. I don't know if XXXX XXXX XXXX sold off a debt that doesn't exist or if XXXX once again charged off my account despite having mountains of evidence that I owe them no money, but neither are legal. Attached to this are screenshots proving that this was removed from my credit report previously, and that I currently do not owe XXXX any money.
04/15/2015	Yes	Debt collection I do not know	Communication tactics Frequent or repeated calls	TX 78154	Web
Received call from this number XXXX times, on XXXX different days. I answered on the XXXX call, which was in the evening, it was an automated voice recording. The automated voice had me press XXXX to talk to representative. Another voicemail recording stated that the company was RG Financial? When the company (? ) called the XXXX time, during the day, I answered, the same automated voice recording was heard. This time after choosing the option to talk to a representative, I was put in contact with a person who simply answered the phone by saying " Hello ''. I asked who the person was and what was the purpose of the calls. I was told that this was a collection on a ( 1 ) payday loan from 2009, ( 2 ) that was deposited to an old bank account I had, and ( 3 ) was tied to an old address back in 2009. She mentioned that the company has everything they need to pursue legal actions, and asked how I wanted to handle the situation.I asked that she provide me with a written copy detailing this " debt ''. After I repeatedly refused her attempts to get me to change my mind and offer payment immediately, she said she would have something sent out to me in 30 days and hung up. If she has my old address on file, how will she have something mailed to me? Also, the company has my current mobile number, but not my current mailing address? I have no knowledge of this loan, and as a precaution, I have pulled my credit report and search for any delinquent accounts. I also check older credit report copies I 've saved that were acquired after 2009, and nothing shows delinquent from a payday loan account.
10/19/2021	Yes	Debt collection I do not know	Communication tactics Frequent or repeated calls	AL XXXXX	Web
I have had multiple calls from a company by the name of RGS Financial ( from a number listed as ( XXXX ) which I have missed. The location indicated is XXXX, AL. No messages were left on my voicemail. I attempted to return the phone call at the number listed. The immediate automated voice message says that it is in attempts to collect on debt. To my knowledge, I absolutely do not have any outstanding debts to anyone for any amount. I selected the option to speak to a person. They would not use my phone number to retrieve any information without me confirming my name, which I refused to do. I called again and selected the option to use the automated payment system. The Automated payment option was able to look up my account by the phone number from which I called from, but immediately asked for a credit card number, which of course I did not provide. I called again, selecting the option to speak to a person and asked for my account number or debt owed information to which again they denied me access to unless I would provide my name. I explained that the automated system did not ask for this information and was apparently able to identify me enough in order to be able to ask for my credit card information. This is either a scam or this company has terrible business practices putting American 's financial security at risk. Something needs to be done to shut this down or force them to comply with business practices that would protect consummers.
05/31/2019	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt was paid	IL 60068	Web	Servicemember
My name is XXXX XXXX. During the year XXXX, an account was opened with XXXX XXXX in Florida reported with my social security number under the name XXXX XXXX from address XXXX XXXX XXXX XXXX, XXXX, FL XXXX. The account eventually became overdrawn and was subsequently sent to a collection agency RGS Services. In XXXX, I, XXXX XXXX, opened an account with XXXX XXXX in XXXX Wisconsin from XXXX XXXX XXXX XXXX, XXXX, WI XXXX. The negative account balance from the previously opened account was transferred to my new account and subsequently went into collections. In XXXX, a payment was made by my bankruptcy trustee to XXXX XXXX for the account opened in Florida which was previously being reported. That payment closed the account, however because the balance was transferred, it appeared as two separate accounts to the collection agency. In essence, the collection bureau, RGS is double reporting the XXXX accounts, adversely affecting my quality of life. When I called to get the information, the representative refused to listen and insisted that because it has a separate account number, it must be a different account. Nonetheless, I dont have a debt with XXXX and currently have an open account with them. XXXX has updated their accounting, however, RGS refuses to comply with the FDCPA and consumer protection laws and have not verified the debts they are reporting. This account is paid in full, and it was not even mine in the first place.
01/18/2017	No	Credit reporting	Incorrect information on credit report Information is not mine	CA 857XX	Web
My current contact information is available on any of the XXXX Bureaus. XXXX, XXXX, and XXXX. RGS Financial claims they have sent me via mail the verification paperwork, which is untrue. The RGS Rep I spoke to could not even recite any address that the said paperwork had been sent to. I gave the RGS Rep my current address to forward any and all documents that support their claim ... that this account belongs to me. The RGS Rep was surprised that my address is XXXX, not XXXX. They never sent any paperwork. That would only validate my side. I sent a letter to RGS which I have attached. A second one today. They are in violation of the FCRA guidelines and I need assistance with this problem. In speaking with the RGS Rep he continued to circle back to the same directive, " how would you like to take care of this, XXXX, XXXX? ". I explained that I have never had a XXXX account now or in the past. The time frame they are claiming is only assisting in verifying my claim. They state the account was opened XX/XX/2016 ... well I have been in XXXX, XXXX going on two years. The RGS Rep stated it was an account from XXXX. I was not in XXXX at the time They claim. It is a farce. I would like your Agencies assistance in my request of either getting it removed from my XXXX report or forcing RGS Financial to forward me all the documentation they are claiming verifies this account as mine.
07/01/2018	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Account information incorrect	VA 23607	Web
RGS is reporting a debt in the amount of {$1200.00} that I do not owe with XXXX XXXX. They have reaged this acct on my credit multiple times. In addition. I have NEVER received any notice from them before this was even placed on my credit. I have no contract with RGS and have been corresponding with XXXX every since I closed my service in regard to pymnt arrngmnt on bill and I was told by cox that as long as I keep in contact I should not have to worry about this being on my credit which I did stay in contact. I was being charged for equipment fees and had to have an equipment form filled out 3 times in order to find equipment and they just found out. In addition to an etf ... that was removed due to circumstances. So this should not even have been on my credit until everything was appropriately assessed and calculated which it was not. I would appreciate this being taken off of my credit immediately because the actions that were taken to be placed on my credit was erroneous and illegal. I recently spoke with both XXXX XXXX and XXXX sup from XXXX and these fees attached to my credit has been confirmed to be incorrect with them, and should not be on my credit.
06/02/2019	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Account information incorrect	AZ 85374	Web
RGS Financial started randomly reporting a debt on my reports. I wrote the company asking for validation of the debt to include they have the right to collect it and what the debt is for and that it is mine. I got no response. I wrote the credit bureaus and RGS " verified '' this debt as accurate without actually providing the bureaus or me any verification of this debt. I do not know this company, I have never done business with them and I have a VERY common name and keep getting false debts attached to me. I feel this company is a scam because they refuse to supply any information to prove this debt or that I owe it to them. This company needs to respond to customer complaints and demands for validation and within the 30 days that are allowed by law to get it done. They keep refusing to do so. I believe this violates the FDCPA. I want full documentation on this debt including everything they claim I owe, what it is for, that they have the right to collect it, that they are listed on the contract with the original collector, who the original collector is, and that they are allowed to even collect in my state. Yet, they have provided NOTHING at all.
04/19/2015	Yes	Debt collection Credit card	Cont'd attempts collect debt not owed Debt resulted from identity theft	NV XXXXX	Web	Older American
About three months ago I opened a Email saying that there was a problem with my account with XXXX and that I need to sign on my account to verify my balance and other things, my BIG error was that I clicked on a link on that same email and tried to log on my acc. obviously they collected that info and on that moment a message appeared saying that I could not sign on a show me some challenge questions, still I could not sign in because it was not a real website, OMG, that was how they got a hold on my info and identity, I do n't know at what extent o how much info they could get. now, today XXXX/XXXX/2015 I got a account statemen from RGS Financial Inc. XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX TX. XXXX XXXX XXXX, stating that I owe XXXX, RE : XXXX XXXX {$150.00} Dls. demanding its payment, and I am scared because I feel that this is only the beginning, XXXX knows what else they will be trying, so here I am on my knees praying to XXXX and you guys to help me as much as you can. thank you for your assistance. P.S. I was always on time with my payments to XXXX XXXX XXXX and never received any notice of delincuency on my payments. thanks.
05/20/2017	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Improper use of your report Reporting company used your report improperly	KS 67217	Web
I have a disputed debt with RGS financial that appears on my XXXX Credit Report. After disputing the debt with the collection agency directly, they did not remove the account or mark it as disputed. Instead they referred the account to an attorney to attempted to use removing the credit trade line as a means of getting me to sign away my rights under the Fair Credit Reporting Act. Regardless of this, RGS is willing to delete the tradeline in exchange for a release of your claims. Please let me know if you will accept this offer. Sincerely, XXXX XXXX XXXX XXXX , XXXX , XXXX , XXXX After receipt of this e-mail I spoke with XXXX XXXX , managing partner of the firm who stated that offering to delete tradelines is a common practice their firm uses to avoid litigation provided the litigant agrees not to sue their client. This is complete abuse of the credit bureaus, inaccurate reporting and holding credit reporting hostage under the FCRA, and blatant violation of the terms and conditions of credit reporting.
09/10/2018	Yes	Debt collection Medical debt	Attempts to collect debt not owed Debt is not yours	TX 761XX	Web	Servicemember
RGS Financial is reporting a medical debt in the amount of {$300.00} that belongs to my minor step daughter. My step daughter does not live with me and never has. I have never taken my step daughter to any medical appointment and have never signed anything saying that I would pay for medical expenses for her. The name listed on the bill that RGS Financial sent me belongs to my step daughters biological mother. The name on the invoice is that of my step daughter. I think when my step daughters mother took her to the dentist office and they used my insurance policy, the dental office attached my step daughter to my established account that I have for my biological son. This company can not and does not have documents where I signed and agreed to pay for medical expenses for my step daughter. I am not my step daughters guardian and HIPPA would prevent me from even obtaining information from a medical provider in reference to her. Please have this collection account removed from my credit report immediately as it does not belong to me.
04/25/2019	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Improper use of your report Reporting company used your report improperly	LA 70785	Web
RGS FINANCIAL IS REPORTING A NEGATIVE REMARK ON MY CREDIT REPORT. MY LAWYER AND I HAVE PREVIOUSLY ADVISED THEY DELETE THEIR NEGATIVE ITEM OFF MY CREDIT REPORT. ACCORDING TO THE ( FCRA ), they are to provide me SIGNED DOCUMENTS with MY signature on them, stating I OWE them the amount shown on my credit report. WHO IS RGS FINANCIAL? Ive never contacted them for anything. PLEASE DO NOT PROVIDE ME WITH ANY STATEMENTS WITH MY NAME ON THEM, NOR ANY IDENTITY INFO FOR VERIFICATION SUCH AS : name, address, date of birth or social security number. Im assure you are aware of the amount of identity theft there is in the country. I DEMAND REQUEST FOR SIGNED DOCUMENTS STATING I AGREED TO PAY RGS FINANCIAL OR ANY SIGNED CONTRACTS I HAD WITH THEM OR PROMPTLY STOP REPORTING TO THE 3 MAIN CREDIT BUREAUS ( XXXX XXXX XXXX ) THIS UNVERIFIED ACCOUNT IS PREVENTING ME FROM LIVING A FAIR LIFE. PLEASE PROVIDE ME WITH THE CORRECT VERIFICATION PROVIDED OR I WILL USE LEGAL ACTION IN COURT WHICH IS AWAITING!!!
11/28/2017	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Account status incorrect	VA 235XX	Web
On XX/XX/XXXX I sent a letter to XXXX XXXX XXXX which they received on XX/XX/XXXX asking for validation of a debt that XXXX stated I owed. XXXX XXXX XXXX was unable to provide that information because so they stated they would give the account back to XXXX XXXX ... Shortly after I seen that I now had a XXXX XXXX debr on my XXXX report through a company called RGS in the amount of {$1.00}, XXXX in which I was never notified by RGS via mail in reference to this debt, lastly I received a bill from a company by the name of XXXX for XXXX XXXX with a debt amount of XXXX ... These companies has failed to provide any proof that this is my debt and XXXX XXXX keep selling my account to multiple people without any contractual obligation from me ... I asked that this account be removed from my report by RGS, I ask that my information be taking from XXXX XXXX and not to be sold or transfered to any other company because they have failed to provide me with the audit trail of the said account ....
04/11/2018	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	LA 70126	Web
I have had several account, that don't belong to me or that aren't correct. The accounts are as follows : RGS Financial acct # XXXX Phone # XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX Original creditor ( XXXX XXXX ) Never had this account, didn't sign for it or authorize this account to be issued. XXXX XXXX Acct # XXXX Phone # XXXX Address : XXXX XXXX XXXX XXXX, LA XXXX original creditor ( XXXX XXXX XXXX ) I went into the ER and I had insurance, my insurance company, didn't notify me I had a small balance due. Nor did the service provider notify me via phone, mail or email, that there was a balance due. XXXX XXXX, didn't notify me of any debt, via phone, mail or email.In order to place a medical bill on a credit report, as a negative account, the debtor must notify and provide a certain period of time, to cure the balance prior to placing it on the credit file. Not notification of any kind was provided, to me as the consumer. Per the fair credit reporting act.
03/28/2023	Yes	Debt collection Credit card debt	Attempts to collect debt not owed Debt was result of identity theft	IL 60060	Web
I have sent multiple letters and proof to XXXX XXXX XXXX that the transactions on my XXXX XXXX XXXX were not mine. Disputed transactions : XX/XX/22- {$100.00} XX/XX/22- {$510.00} XX/XX/22 - {$360.00} XX/XX/22- {$44.00} I have written XXXX XXXX XXXX a formal letter on XX/XX/22 disputing the above transactions but they have ignored my dispute only calling me more and without explanation or proof from their investigators as to why they believe it was me and have referred it to RGS financial to collect the debt whom I have also written a letter to on XX/XX/22. They have continued to call and request this money although I have clear evidence that it was not I or anyone I know who made these transactions. I am extremely frustrated with XXXX and how poorly and unprofessionally they have handled this case and how they have treated me. Attached are my formal letters, correspondence I've received and my card purchases and payments I've knowingly made.
01/14/2018	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt was result of identity theft	GA XXXXX	Web
RGS Financial/ XXXX XXXX is reporting that I owe {$560.00} for a cable bill. I have no knowledge of this account nor do I know who opened this account. I have attempted to communicate with the collection agency and they are not compliant with federal laws under the Fair Debt Collection Practices Act. I further remind you that you may be liable for your willful non-compliance as per FDCPA 807. False or misleading representations [ 15 USC 1962e ] RGS Financial has failed to provide a copy of any alleged contract or other instrument bearing my signature will result in a small claims action against your company. Legally I am able to seek {$5000.00} in damages for the following : 1. ) Defamation 2. ) Negligent Enablement of Identity Fraud 3. ) Violation of the Fair Credit Reporting Act I have only received a copy of a computer print out that reflects an account and XXXX XXXX 's database. Thank you for your assistance.
03/31/2021	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	TX 75287	Web
I mailed a letter to the credit bureaus on XX/XX/2021 asking them to validate suspicious accounts i noticed on my credit report due to my identity being compromised. They have failed to even investigate or send me correspondence back indicating they did an investigation and what the out come was. I have no knowledge of these accounts XXXX XXXX XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX ... XXXX XXXX XXXX ( Original Creditor : 10 XXXX XXXX XXXX XXXX XXXX ... XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX that listed on my credit report. Further more, this account can not be 100 % accurate as there are open dates they have listed on my credit report varies between the 3 bureaus. How can one account be opened on different days? I want there alleged accounts in question to be removed from my credit report immediately.
04/01/2021	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt is not yours	FL 33461	Web
RGS Financial called me back in XX/XX/XXXX. I didn't know who they are, but the representative told me I owed a debt. I asked for their information so I can send them a letter in the mail. I sent out the letter XX/XX/XXXX asking for validation of the so called debt I am claimed to owe. This have been over 50 days ago and still nothing. So I go to look at my credit report and I see they have put the collection on XX/XX/XXXX under account # XXXX. This account is not mine, it says last payment was XX/XX/XXXX. This is not my account, two FDCPA laws are being violated here. One, not responding back with Validation of debt showing my signature on a contract. Second, reporting a so claimed debt that's past the Statue of Limitations and maybe Third, false re-aging of an account. Please see letter sent attached and theXX/XX/XXXX Reporting screenshot.
04/13/2021	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt is not yours	FL 33461	Web
In response to Complaint ID : XXXX via XXXX under collections account # XXXX RGS Financial has not validated a claimed debt that I owed. Instead they sent an itemized bill ( attached ). I live in FL, never lived at the claimed address. I am requesting my signature for validation. If they don't continue to report, I will be sending a court summons for damages and they will have to attend my local venue here in FL over {$63.00}. I think they have the wrong person. By the way, on my XXXX report their address is reported as : RGS FINANCIAL XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX ( SEE SCREENSHOT ) In their response they claimed their zip code is " XXXX '' which shows they are reporting inaccurately as well on the screenshot below. I can only image how many consumers are being taken advantage with their false address reporting.
04/06/2020	Yes	Debt collection Other debt	Took or threatened to take negative or legal action Collected or attempted to collect exempt funds	TX 76014	Web	Servicemember
On XX/XX/XXXX I received a credit report where bad information had been reported to XXXX Credit Reporting agency. A debt for collections. I am a XXXX XXXX XXXX XXXX XXXX XXXX. Often The VA will authorize and contract outside services to perform services, such as XXXX services, which is my issue. The XXXX company is holding me responsible for payment that was sent to RGS Financial for collections ( XXXX XXXX XXXX XXXX, Texas XXXX ) This action hurt my credit score. The payment is not my responsibility the debt is owed by the VA. The results of my dispute to XXXX explains that the collection reported had been removed but remains the company that reported the information has certified to XXXX that the information is accurate. My concern, how am I made whole for the damage caused by that bad information reported to XXXX?
06/24/2022	Yes	Debt collection Credit card debt	Attempts to collect debt not owed Debt is not yours	IL 60617	Web
I was informed that I have an open XXXX debit card with only monthly charge fees and not active usage but attempting to collect past due account fees that amount to XXXX In fees. I was able to give all correct information from XXXX but they are saying in order to give more details I must provide correct apartment number which was provided but they told me it was the wrong apartment number provided. I never opened a XXXX card nor did I stay on another apartment at the address provided which is XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX. XXXX IL XXXX. This is an attempt to collect a fraudulent debt which is not on my credit report. I have also filed for bankruptcy in XXXX XXXX XXXX. I do not understand why or who is trying to attempt to collect fraudulent amounts/ company name RGS Financial XXXX
01/20/2016	Yes	Debt collection I do not know	Disclosure verification of debt Right to dispute notice not received	MO 64836	Web
RGS Financial of XXXX XXXX showed up on my XXXX credit bureau on XXXX XXXX, 2016 for {$120.00}. This caused my credit score to drop by XXXX points. I have never received a disclosure of debt from this business and they have done irreparable harm to my credit. I do not any clue as to what this amount of for as it was not properly disclosed of to me. I have live at the same address going on 3 years and it has been on my credit file for 2.5 years. This is in direct violation of Federal Statutes pertaining to collections. This needs to be deleted immediately from my credit file or a civil suit will follow for the fullest amount allowed by XXXX County, XXXX Court for irreparable harm to my credit file and failure to adequately disclose the debt prior to placing it on my credit file.
07/23/2021	Yes	Debt collection Medical debt	Written notification about debt Didn't receive enough information to verify debt	TX 76244	Web
On XX/XX/2021, I sent a letter to the collection agency asking for validation of debt from XXXX XXXX XXXXIn accordance with the Fair Debt Collection Practices Act, 15 USC 1692g ( Validating Debts ) : if a consumer notifies the debt collector in writing, that the debt, or any portion thereof, is disputed, the debt collector shall cease collection of the debt until the debt collector obtains verification of the debt from the original creditor and a copy of such verification is mailed to the consumer by the debt collector. As of XX/XX/2021, the debt collection agency failed to respond to my request for validation of the debt and did not contact the credit bureaus that the debt was in dispute. According to FDCPA, this is a violation because it has been more than 30 days.
02/07/2018	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt is not yours	NC 27518	Web
On XX/XX/2018 I sent RGS a letter, via certified mail, asking them to validate an alleged debt that was on my credit report. I dont recall ever having XXXX XXXX. In my request I asked them to provide the agreement with their client that authorized them to collect on alleged debt, an agreement that bears signature of the alleged debtor wherein he promises to pay the creditor, and complete payment history on this account so the amount owed could be verified as correct. RGS failed to supply me with any of the information I asked for and only sent me two statements.This is a negative remark on my credit report that I am reaping the consequences for and its not properly validated to prove that it is mine
02/18/2018	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt is not yours	NV XXXXX	Web
In 2017 I cancelled my cable subscription with XXXX XXXX. All equipment was returned and the bill was paid in full. They then said I owed them for an " early termination fee '' They refused to produce either my signature or my verbal agreement to this contract which they say I agreed to ( which I dispute ) that justified this early termination fee. I have always and still do dispute that I entered into such an agreement. Even though they refused to produce these items I requested they went on and sold this " account '' to RGS Financial ( acct # XXXX ) whom posted this collection account on my credit report.I am once again asking for : '' Debt Validation '' of this account from XXXX XXXX.
09/15/2021	Yes	Debt collection Credit card debt	Communication tactics Frequent or repeated calls	NY XXXXX	Web	Servicemember
I keep getting a call from this number - XXXX. It comes up as spam on my cell phone. I blocked the number on Monday when it came up as spam. Somehow this number even though I have it blocked has called me repeatedly now for three days non stop. I don't know how it is getting through. I looked it up and see it belongs to RGS Financial. I never heard of this place, have never done business with this place, never signed any contracts with this place. Apparently they are scammers when their number comes up as spam. They have been hammering my phone calling with that number since Monday even though it is blocked on my phone. That in it's own right is illegal to do to circumvent the block.
04/21/2017	Yes	Debt collection I do not know	Cont'd attempts collect debt not owed Debt is not mine	KS 67217	Web
I contacted RGS regarding an item on my credit bureau. I advised them I did not believe the item was not mine. RGS never disputed the account and then tried to use deleting the tradeline as a ne gotiation tactic to get me to release any legal claims against them. The attached documentation will clearly show that RGS is not disputing, disputed accounts resulting in unfair reporting to credit bureaus and additionally has created an un-fair collection practice for which the least sophisticated debtor would have to use " Magic words '' in order to have their account disputed. They are friverously disregarding FDCPA and FCRA in conjunction with their attorney XXXX XXXX .
01/26/2021	Yes	Debt collection I do not know	Communication tactics Frequent or repeated calls	PA 190XX	Web
RGS has continuously called me using abusive language to collect an alleged debt of {$11000.00}. They have sent a bill on XX/XX/XXXX and after to collect this alleged debt after repeatedly being asked to stop. A letter has been sent on XX/XX/XXXX XXXX for cease of such collection of this alleged debt with no response from RGS however RGS continues to report negatively on my credit report. After more than 60 days this company has not responded to either letters asking this company to send proof of this alleged debt or to cease collection of the alleged debt. They are a burden on my life causing me great XXXX and XXXX in which I have had to seek medical attention for.
07/16/2018	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 Investigation took more than 30 days	OK 73127	Web
at this time they have to different collection companys reporting on a single account XXXX XXXX is reporting I owe XXXX to XXXX and rgs financial is reporting to report I owe XXXX to XXXX I have disputed and they removed account now rgs is placed back with out 5 day re insert notice and another collection account is added for 1 single account that was unverified. certified mail track numberXXXX XXXX XXXX XXXX XXXX- as they are aware you cant have to tradeline names reporting on a single collection account, that defimation of credit report and is unlawfull to low score, at this time I do entend to file suit on this matter you are in violation of the fcra.
01/17/2020	Yes	Debt collection I do not know	False statements or representation Impersonated attorney, law enforcement, or government official	AZ 85226	Web
This company which I have " NO CONTRACT '' with has no legal right to collect on this said debt per the contract with the original company. Reporting of the debt is a violation of the FCRA. Section 623 ( a ) ( 2 ), Section 623 ( a ) ( 1 ) ( B ), and Section 623 ( b ) ( 1 ) ( E ). Please provide me with a true and certified copy of the complete audit trail/Certified Final Forensic Internal Audit of said account. Futhermore, in order for XXXX XXXX to validate the debt, please provide verification through audit certification of debt entry in accordance with G.A.A.P., I.F.R.SXXXX, in accordance with basel 3 accord and U.N.C.I.T.R.A.L Conventions.
07/06/2016	Yes	Debt collection Other (i.e. phone, health club, etc.)	Disclosure verification of debt Right to dispute notice not received	VA 22407	Web	Servicemember
Just learned that XXXX XXXX has once again placed a debt that was removed from my credit for aging this account. I was not notified, verbally or in writing about this debt and it appears to come after filing a complaint with your company and the debt was removed from other reporting agencies. Spoke to XXXX XXXX and was told XXXX XXXX account is now with them and they are the debt collector. This debt has been disputed and disputed and removed at lease twice. When I paid portions of the bill and the company discontinued the process and then sent to collections. It has been removed at least 2 times and they continue to age this debt.
11/16/2022	Yes	Debt collection Credit card debt	Attempts to collect debt not owed Debt is not yours	MI 48223	Web
RGS Financial , INC. illegally obtained my personal information and now they are stating that I owe a debt in the amount of {$2800.00}. RGS Financial , INC. did receive written notification to validate this debt that they are accusing me of owing.Pursuant to Fair Debt Collection Practices Act, 15 USC 1692g RGS Financial , INC. must comply with validation request. RGS Financial , INC. threatened to report invalidated information that I have requested them to validate. RGS Financial , INC. are not complying complying with Fair Debt Collection Practices Act,15 USC 1692g and gave me a " verification '' instead of validation.
03/07/2018	Yes	Debt collection Other debt	Written notification about debt Didn't receive enough information to verify debt	TX 75034	Web
I sent notification to this debt collector to verify that this debt was indeed mine. They sent a billing statement. Per FDCPA that does not constitute as verification or validation. First letter was sent off on XX/XX/XXXX. Second letter was sent off on XX/XX/XXXX after they sent me a billing statement. In both letters I requested validation and to date, no method of validation has been received. Attached is my request for validation and the methods in which the debt should be validated per FDCPA. They instead sent me a billing item. This does NOT constitute the validation request that I made.
03/17/2021	Yes	Debt collection Other debt	Written notification about debt Didn't receive enough information to verify debt	CA 92056	Web
RSG Financial added the account in collections to my credit report. They have not contacted me by phone or in writing and refused to provide details when I tried to call and get more information after seeing the collections account on my credit report due to the fact I was not comfortable giving them my social security number over the phone. RGS FINANCIAL Last reported XX/XX/XXXX {$260.00} Open balance 11 XXXX XXXX Original creditor XXXX Opened XX/XX/XXXX ( 2 mos ) Account status Open Type -- Responsibility Individual Remarks Placed for collection Original creditor name 11 XXXX XXXX
04/27/2023	Yes	Debt collection Auto debt	Attempts to collect debt not owed Debt is not yours	FL 33612	Web
RGS Financial in care of XXXX XXXX, is constantly harassing me about a complaint from me to CFPB about XXXX Financial.After your investigation into XXXX, I contacted them to resolve the issue.They said that they had written this Car off.Because I was calling to get the amount what I owed to pay off They said it was written off as a lost.I told them to come and get the car, they said they didn't want it I parked the car for months they never came and got it.Because the car was never any good and they had lost money to the car dealer and so did I.Now they send RGS to harass me.
06/03/2021	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt is not yours	NJ XXXXX	Web
RGS is trying to collect on behalf of XXXX XXXX XXXX for an unknown debt. RGS has not supplied any proof of contract showing the signature of my identification, how the debt was calculated, or proof of purchase of the contract from the original creditor. I discovered that this collection was on my credit report XX/XX/2021. This negative account in the amount of {$140.00} is lowering my credit score and causing issues for credit approvals. My quality of life should not be lowered due to their mistake and not following proper Credit and Collection Laws such as FDCP
10/19/2018	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt is not yours	VA 23238	Web	Servicemember
RGS Financial is attempting to collect a debt for internet service that it didn't even attempt to validate. They claim the original creditor is XXXX XXXX. This is the second debt collector that has appeared on my creditor report via XXXX XXXX regarding such an item. I have NEVER used this service. I have been using a different Internet provider for the last 9 years. This is second debt collector REMOVED it after it was not able to validate it. NOW RGS without even attempting to write me have just placed this collection on my credit. Absolutely NOT MINES.
02/06/2016	Yes	Debt collection Other (i.e. phone, health club, etc.)	Disclosure verification of debt Not given enough info to verify debt	CA 90803	Web
A collection was placed on my credit report XX/XX/XXXX with a date of XXXX XXXX. I called on XXXX XXXX and sent a certified letter on the same day. The customer service rep said this debt was from XXXX XXXX but could not verify my address was the same. There were 3 different times this debt was put on my credit report and one after I disputed the debt. I asked that this be reported as disputed until RGS could provide more details to the debt and the customer service rep said she would need to contact the original creditor. This was not done.
07/11/2023	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt was result of identity theft	CA 95747	Web	Servicemember
I found out about this debt through my credit reports. Original Creditor was XXXX XXXX XXXX for {$170.00}. I was never notified about this debt. No attempts we made to Inform me about this account which was opened without my knowledge and authorization. After calling RGS financial about this account, I found that they had the incorrect mailing address which we proceeded to update to my new address. After looking into this account further, this account was opened fraudulently several years ago.
03/07/2022	Yes	Debt collection Credit card debt	Communication tactics Frequent or repeated calls	MI 483XX	Web	Older American, Servicemember
I had opened and used a credit card at XXXX. My intentions were good but adverse conditions including job loss, extremely high medical bills, personal injuries and a very sick wife who requires constant attention and care. The cost of providing care and loss of my job prohibited me from being able to pay this debt. I have explained this numerous times but the collection company continues to call only adding to my wife 's XXXX XXXX XXXX The amount owed is approximately XXXX.
12/15/2017	Yes	Debt collection Other debt	Written notification about debt Didn't receive enough information to verify debt	GA 303XX	Web	Servicemember
I checked my credit report on XXXX XXXX, 2017 and noticed that I had a collection that had been reporting for the past 3 months. I was never notified of the debt, nor was the debt ever verified. I found the website for RGS Financial and chatted with a representative named XXXX XXXX at approximately XXXX XXXX XXXX. I made it clear that I never received any notification of the debt, and also asked for her to verify the debt for me. I have not received a response.
10/15/2015	Yes	Debt collection Credit card	Communication tactics Called outside of 8am-9pm	IN 46205	Web
I spoke with XXXX XXXX around XXXX Eastern Standard Time on XXXX/XXXX/2015. They called to resolve a debt that I have with a XXXX Credit card. I agreed to pay XXXX installments of {$180.00} on starting on XXXX/XXXX/2015 followed by XXXX more payments taken out on XXXX/XXXX/2015 and the last payment on XXXX/XXXX/2015. I agreed to terms and hung up the phone. Later the same night I received an alert from my bank that a transaction was declined of {$180.00}.
02/01/2018	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt is not yours	CT 06053	Web
I received an alert on my credit report that an collection account with RGS FINANCIAL was added to my report. I reached out to the company and they advised it was for XXXX. I informed them that the account does not belong to me as i have never done business with this company. my information was used fraudulently to open the account which is why i have an credit alert on my credit report now. This account needs to be removed from my credit reports ASAP
05/31/2017	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt is not yours	MO XXXXX	Web
Starting in XXXX o f 2016 i started writing letters to the credit bureaus to attempt to remove/verify this item from my report. I then went directly to the company itself. I have NOT received a RESPONSE to any of my inquiries. I am so incredibly frustrated by the lack of response. I have NO IDEA what this is. Where it came from. What it 's for. and NO ONE WILL HELP me. This should not be on my report and is affecting my finances. this is NOT RIGHT.
01/18/2020	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt was result of identity theft	NV 89031	Web
This is the second time XXXX has sent this collection account to my credit report. It was just previously removed. This is NOT my account! I currently have XXXX! I've said this a million times now. Nothing exist proving this is my account or that I opened this account, which his why it was deleted the first time. I pay my bills, and never had a collection. Please fix this immediately or I will sue! I thought I left this nonsense in 2019.
09/08/2021	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt was result of identity theft	PA 19038	Web
This is XXXX XXXX XXXX XXXX, who is submitting this CFPB complaint myself and to inform you that there is no third party involved in the process. This was a corporate account and mistakenly reported on my profile. Had your record-keeping been accurate, and where is the proof of payment history? The XXXX Credit Bureau is willfully in violation of FCRA and condoning illegal behavior, please remove this collection account immediately.
06/14/2018	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt is not yours	CA 92629	Web
RGS Financial apparently bought debt from XXXX XXXX on an account that was not mine. XXXX resolved this a long time ago by saying in writing it was not mine. RGS and XXXX keep trying to collect from me. RGS is based in Texas but uses an XXXX XXXX, CA phone number and call my business line. This is very disrupting. I am asking that you get this issue resolved with both XXXX and RGS. RGS Financial XXXX XXXX XXXX, XXXX TX XXXX XXXX.
12/23/2020	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt is not yours	IL 60652	Web
Pursuant to 15 USC 1692c. ( c ) I am notifying you in writing that I refuse to pay this alleged debt, and I am demanding that you cease all forms of communication with me through any and all mediums. Pursuant to 15 USC 1692c. ( c ) ( 2 ) - I am invoking my specified remedy as a consumer, and the original creditor I am demanding all of the following : 1. XXXX out the balance on this account. 2 Deletion from all consumer reports.
12/11/2022	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Improper use of your report Reporting company used your report improperly	TX 77546	Web
In accordance with the fair credit Reporting act XXXX Account # XXXX, has violated my rights. 15 USC 1681 Section 602 States I have the right to privacy. 15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions. 15 USC 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for purpose.
01/20/2021	Yes	Debt collection Other debt	False statements or representation Attempted to collect wrong amount	MS XXXXX	Web
i called XXXX XXXX XXXX they came out turn it on it only worked one week i called they said i already used it for the month so for half no internet the same way the next month. they told me when i got their service i had to get business account because that person would not work but now they have collection on my credit report for XXXX collection name is RGS FINANCIAL COLLECTION IS ON ALL THREE CREDIT REPORTS.
03/31/2015	Yes	Debt collection I do not know	Cont'd attempts collect debt not owed Debt is not mine	TX 77063	Web
This company continues to report on my credit report after I sent them a letter telling them that this account was not mine and I have no idea what it is or who it belongs to! I asked for proof of a signed contract, I asked for a license to collect in my state, I asked for copies of all information referenced for this debt and still to date, I have not received anything but harassment from this company!
07/23/2019	Yes	Debt collection Medical debt	Attempts to collect debt not owed Debt is not yours	TX 76014	Web
This Company " XXXX XXXX XXXX '' claims that I owe them {$120.00} and are now using a collection company called RGS Financial to report to my credit report that I am delinquent/past due on this. I have never heard of this company nor have I used their services. They refused to send me proof of debt with my signature. Contact info for RGS Financial is : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX , TX XXXX
05/10/2015	Yes	Debt collection Other (i.e. phone, health club, etc.)	Cont'd attempts collect debt not owed Debt is not mine	OK 730XX	Web	Servicemember
On XXXX/XXXX/2015 I began receiving calls and letters from RGS regarding account # XXXX for a debt of {$180.00}. The creditor is listed as XXXX but I do n't have any credit cards or loans with them. RGS has failed to provide me with any further information and have been calling me repeatedly about paying. I gave it a couple months thinking they 'd figure out it was n't mine, but the calls keep coming.
06/17/2016	Yes	Debt collection I do not know	Cont'd attempts collect debt not owed Debt is not mine	CA XXXXX	Web
Continuous calls every day asking for someone who does not live here. Finally told them yesterday that I am so done with their calling. Stop calling and take this number off their list. No one here by that name. What I think they are doing is checking who ever this is they are looking for on some type of info sheet and calling so called relatives which is harrasement. They need to stop.
12/22/2016	Yes	Debt collection Other (i.e. phone, health club, etc.)	Cont'd attempts collect debt not owed Debt resulted from identity theft	CA 926XX	Web
This account does not belong to me. I have no knowledge of it. I have submitted complaints the last time they tried to collect it two years ago and it was deleted from my credit report. I have an ongoing ID theft issue with plenty of reports including local police departments in the FTC. this collection companies repurchasing old debt resold to them by other collection agencies
10/17/2016	Yes	Debt collection Other (i.e. phone, health club, etc.)	Disclosure verification of debt Not given enough info to verify debt	LA XXXXX	Web
In XXXX of this year I noticed an account reporting on my credit file and by RGS Financial. I immediately mailed them a letter requesting validation and more information pertaining to this account. It 's been several months and they 've still yet to send any sort of communication pertaining to this supposed debt, however the account continues to report on my XXXX credit file.
09/12/2021	Yes	Debt collection Other debt	Written notification about debt Didn't receive notice of right to dispute	DE 19701	Web	Servicemember
I received a notice from XXXX that a new debt placed on my reports. I looked it up and checked my mail. I never received a notice via mail or otherwise in reference to this debt from the,. I disputed this debt with another company and it was removed from my report. Now it has been placed on their again by another company. I am officially disputing agin.
10/31/2017	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt is not yours	FL 344XX	Web
Rgs financial sent me a letter stating that i owed them {$210.00} dollars on an account from XXXX XXXX. I have disputed this debt directly with rgs financial as well as contacting the original creditor ( XXXX ). XXXX states that i have a XXXX balance with them and do not owe any money. XXXX is still continuing to collect on an account that i do not owe.
05/24/2019	Yes	Debt collection I do not know	Communication tactics Frequent or repeated calls	LA 708XX	Web
As of XX/XX/2019, RGS Financial has contacted me 11 times during the month of XXXX using an autodialer. Dates and times are as follows : XX/XX/2019 - XXXX XX/XX/2019 - XXXX XX/XX/2019 - XXXX XX/XX/2019 - XXXX XX/XX/2019 - XXXX XX/XX/2019 - XXXX XX/XX/2019 - XXXX XX/XX/2019 - XXXX XX/XX/2019 - XXXX XX/XX/2019 - XXXX XX/XX/2019 - XXXX
11/13/2015	Yes	Debt collection I do not know	Communication tactics Frequent or repeated calls	CA XXXXX	Web
Multiple calls received everyday from : XXXX. I do n't know why RGS Financial keeps calling me. Calls XXXX times a day from XXXX XXXX to XXXX. Never left a voicemail or stated intention. I have not debt in collection after checking with XXXX major credit agencies. Several times when I pick up, there is only silence on the other end.
09/03/2021	Yes	Debt collection I do not know	Communication tactics You told them to stop contacting you, but they keep trying	GA 30236	Web
They keep asking for a person who does not belong in my household nor is a person that this phone number belongs to. I do not personally know the person that they are trying to collect the debt from but they have made several calls to my phone after I had expressed that they had the wrong number to the person they were trying to reach.
02/15/2016	Yes	Debt collection I do not know	Cont'd attempts collect debt not owed Debt is not mine	SC 29483	Web
Called by RGS Financial for my wife. Unsure how they got my number. Asked for my wife. I stated she was n't at the number called. They asked if they knew how they could reach her. I told them to give me a phone number where she could call them back. They refused and said they would try to find her by another means and hung up abruptly.
01/15/2021	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	IL 60628	Web
Ive contacted XXXX on numerous occasions about fraudulent activity reported on my account they keep telling me its verified and its not my accounts these have been fixed on every other credit bureau except this one I have sent in police reports and every document requested. These fraudulent accounts still appear after many years
10/29/2015	Yes	Debt collection Credit card	Cont'd attempts collect debt not owed Debt is not mine	FL 34711	Web
XXXX credit says I owe them money and turned it over to a collector. I do not have a XXXX credit card nor did I ever sign up for one. The debt collector they hired has been calling me and my wife every day for the past 8 months. Tired of the phone ringing! I talked to them XXXX time before and told them to stop calling me.
06/15/2016	Yes	Debt collection Other (i.e. phone, health club, etc.)	Disclosure verification of debt Right to dispute notice not received	NV 89123	Web
On XXXX XXXX, XXXX I order a copy of my credit report. Report number XXXX, on that report I found RGS Financial XXXX XXXX XXXX. For {$200.00}, Date opened XXXX XXXX, First reported XXXX XXXX, Partial account number # XXXX. I did not receive notice of right to dispute.This is being report on XXXX, report number # XXXX
12/28/2023	Yes	Debt collection Credit card debt	Written notification about debt Didn't receive enough information to verify debt	NV 89031	Web
In an attempt to contact RGS I requested Copy of original contract, payment history, name and address of original creditor, proof of collections authorization, & purchase debt agreement. This information was not sent to me. This unverified debt does not belong to me if it cant be proven that it belongs to me.
08/26/2021	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	PA 19146	Web
I am a victim of identity theft and did not make these charges. The items that need to be removed from my report are listed in my supporting documents. I do not know these companies. I have never done any business with this companies. These companies does not have a contract with my signature.
12/01/2023	Yes	Debt collection Credit card debt	Electronic communications Frequent or repeated messages	MN 56303	Web
Received another text from RGS financial.com today again XXXX. Just blanket statement of debt collection. Im afraid to open their link requires my agreements to open the link. I do not want to be hacked or receive spam or other issues from RGS financial.com.
08/24/2018	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt is not yours	NV 89121	Web
XXXX XXXX HAS PUT A BAD DEBT IN THE ABOUT OF {$680.00} AND HAS SOLD IT 3 TIMES SINCE IT BEEN DELETED OFF MY CREDIT REPORT. IT HAS DROP MY CREDIT SCORE DOWN 150 POINT. I'M OVER FRUSTRATED WITH THIS COMPANY. SOMEONE GOT CABLE IN MY NAME WHERE I NEVER LIVED AT.
12/11/2019	Yes	Debt collection I do not know	False statements or representation Impersonated attorney, law enforcement, or government official	AZ 85255	Web
This company RGS Financial which I have " NO CONTRACT '' with has no legal right to collect on this said debt. Reporting of the debt is a violation of the FCRA. Section 623 ( a ) ( 2 ), Section 623 ( a ) ( 1 ) ( B ), and Section 623 ( b ) ( 1 ) ( E ).
01/10/2021	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt is not yours	IL 60153	Web
DEBT COLLECTION COMPANY IS FALSELY REPORTING ALLEGED DEBT WHICH IS A FDCPA SECTION 807 VIOLATION 15 USC 1692e. THE ALLEGED DEBT CAN NOT BE VERIFIED AND I HAVE YET TO RECEIVE A RESPONSE AFTER 30 DAYS WHICH IS ANOTHER VIOLATION.
01/15/2021	Yes	Debt collection Other debt	Written notification about debt Didn't receive enough information to verify debt	TX 76137	Web
I sent an affidavit requesting a purchase agreement from XXXX communications validating the debt held by XXXX XXXX. It was delivered XXXX and its been well over the 30/45 days threshold to be verified. It was for {$580.00}.
10/26/2023	Yes	Debt collection Medical debt	False statements or representation Attempted to collect wrong amount	TX XXXXX	Web
XXXX XXXX SAID I OWED {$630.00} FOR A DENTAL BILL, BUT I FOUND AN ACTUAL BILL THAT SHOWS AN INSURANCE AMOUNT OF {$630.00} DUE FOR PAYMENT BY THE INSURANCE COMPANY. XXXX XXXX INFLATED THE AMOUNT OF {$630.00} TO {$770.00}.
04/11/2019	Yes	Debt collection Credit card debt	Attempts to collect debt not owed Debt is not yours	MN 55110	Web
XX/XX/2019 XXXX agreed to stop collection as you can see in my cfpb account. RG financial filed derogatory report on my credit account on XX/XX/XXXX and XX/XX/2019. Please help me stop it as promised. Thanks!
10/11/2016	Yes	Debt collection Other (i.e. phone, health club, etc.)	Cont'd attempts collect debt not owed Debt was paid	NY 10466	Web
This debt has been paid directly to XXXX since 2012 and they never updated their system and sent this debt RGS financial. I do not owe this amount to XXXX XXXX and want this removed from my credit report.
03/28/2021	Yes	Debt collection Other debt	Written notification about debt Didn't receive enough information to verify debt	FL 34203	Web
I been sending dispute letters about a medical collection by certified and return receipt thru the united state postal service and the collector RGS financial never send me the validation papers request
07/13/2021	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt was result of identity theft	AZ 85203	Web
Account Name : RGS FINANCIAL ( Original Creditor : XXXX XXXX XXXX ) Account Number : XXXX Date Opened : XX/XX/2020 Balance : XXXX Reason : Identity theft Please remove it from my credit report.
07/06/2022	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Account status incorrect	TN 381XX	Web
RGS financial has not provided me with any receipt of settlement payment 2 weeks after I paid {$2000.00} to settle an account. I have called mutliple times to request a copy with no success.
07/12/2016	Yes	Debt collection I do not know	Cont'd attempts collect debt not owed Debt is not mine	NC 279XX	Web
they have refused to contact me on XXXX occasions last attempt was XXXX. they are reporting a debt i do not owe, they are know for doing this, they are all over the internet ripoff reports.
10/24/2017	Yes	Debt collection I do not know	Written notification about debt Didn't receive notice of right to dispute	NC 28215	Web
XXXX XXXX is listed as a debt collector on my credit report. I have no idea what debt is being reported. I do not owe anything to XXXX and have not received a debt validation notice.
08/10/2016	No	Debt collection Other (i.e. phone, health club, etc.)	Disclosure verification of debt Right to dispute notice not received	CO 80634	Web
The collection was reported to Experian without my knowledge or receiving a verification letter. They are in violation of my FCRA rights. The original debt was paid in 2014.
07/14/2016	Yes	Debt collection Credit card	Cont'd attempts collect debt not owed Debt is not mine	NY 11375	Web
RGS Financial are calling me nonstop to collect on a debt that i do not recall having with this company.I demand that they cease and desist all attempts to collect the debt.
10/30/2016	Yes	Debt collection Other (i.e. phone, health club, etc.)	Disclosure verification of debt Right to dispute notice not received	TX 76051	Web
I was never notified by this company of this debt in writing by law, therefore was never given the opportunity to dispute this debt that does not belong to me.
12/23/2021	Yes	Debt collection Credit card debt	Communication tactics Frequent or repeated calls	TX 77063	Web
RGS Financial XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX, XXXX is calling using an fake or spoofed caller id. They have called numerous times with fake caller id.
06/08/2017	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt is not yours	NV 89081	Web
I do not owe this company anything, all equipment was returned. This is false and a scam. RGS Financial # XXXX {$790.00} Requesting this be removed
07/30/2015	Yes	Debt collection I do not know	Communication tactics Frequent or repeated calls	CA 95116	Web
Contacted me many time with my number but did just left a general message stating to please call RGS. They did not even mention who they are looking for.
04/02/2019	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt is not yours	VA 245XX	Web	Older American
This company calls multiple times per day : " XXXX XXXX '' or something similar, in XXXX XXXX, Va. The person at this number does not owe a debt.
11/11/2020	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt was result of identity theft	GA 310XX	Web
My identity has been compromised by somebody that I do not know. Please feel free to give me a call if you have any questions or concerns.
08/14/2017	Yes	Debt collection I do not know	Communication tactics You told them to stop contacting you, but they keep trying	NJ 087XX	Web
They call me several times a day from different numbers including XXXX. They do not send postal mail. They refuse to stop calling.
01/23/2020	Yes	Debt collection Other debt	Took or threatened to take negative or legal action Threatened or suggested your credit would be damaged	IL 60632	Web
I was checking my credit report and i had a collections on there from RGS finacial. i filed a dispute but received no answer.
08/18/2021	Yes	Debt collection Other debt	Communication tactics Frequent or repeated calls	WI 532XX	Web	Servicemember
RGS Financial continues to contact me and are hideously rude and XXXX. They asked me intrusive questions and then gaslit me.
09/07/2019	Yes	Debt collection Other debt	False statements or representation Attempted to collect wrong amount	CA 92084	Web
Closed account and returned cable box by mail thru XXXX. They continue to try and charge what is not owed to XXXX XXXX
11/22/2017	Yes	Debt collection Other debt	Written notification about debt Didn't receive enough information to verify debt	MN 55379	Web
sent in validation letter without them verifying the debt to me, they updated the account XX/XX/XXXX
04/08/2015	Yes	Debt collection I do not know	Communication tactics Frequent or repeated calls	CA 95116	Web
This number keeps calling me but never leave any messages on who they are or what the call is about.
07/09/2019	Yes	Debt collection Credit card debt	Attempts to collect debt not owed Debt was result of identity theft	VA 23607	Web
Please review the attached documentation and remove the debt as it is the result of identity theft.
05/10/2016	Yes	Debt collection Credit card	Improper contact or sharing of info Talked to a third party about my debt	OR 97124	Web
On XXXX/XXXX/16, RGS Financial contacted my mother and repeatedly asked her for my phone number.
10/14/2015	Yes	Debt collection I do not know	Improper contact or sharing of info Contacted me after I asked not to	PA 187XX	Web
I do not know who they are but they are calling me on a work issued cell phone number.
12/31/2021	Yes	Debt collection Other debt	Written notification about debt Didn't receive enough information to verify debt	TX 77047	Web
Didn't receive any Information in the mail. no response at all.
05/26/2022	Yes	Debt collection I do not know	Communication tactics Frequent or repeated calls	CA 92101	Web
The company calls me everyday
04/14/2020	Yes	Debt collection Credit card debt	Attempts to collect debt not owed Debt was result of identity theft	PA 19151	Web
Never had a account
12/20/2023	Yes	Credit reporting or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	KY 40503	Web

04/27/2023	Yes	Debt collection Credit card debt	Attempts to collect debt not owed Debt is not yours	PA 15001	Web

04/13/2023	Yes	Debt collection Credit card debt	Written notification about debt Didn't receive enough information to verify debt	GA 30126	Web

04/06/2023	Yes	Debt collection Credit card debt	Took or threatened to take negative or legal action Threatened or suggested your credit would be damaged	CA 90808	Web

03/20/2023	Yes	Debt collection Credit card debt	Communication tactics Used obscene, profane, or other abusive language	CA 90815	Web

02/28/2023	Yes	Debt collection Credit card debt	False statements or representation Attempted to collect wrong amount	GA 30144	Web

12/23/2022	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt is not yours	TX 76123	Web

11/20/2022	Yes	Debt collection Credit card debt	Attempts to collect debt not owed Debt was result of identity theft	CA 91307	Web

03/22/2022	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt is not yours	TX 76543	Referral

01/19/2022	Yes	Debt collection Credit card debt	Communication tactics You told them to stop contacting you, but they keep trying	CT 06051	Web

12/09/2021	Yes	Debt collection I do not know	Written notification about debt Didn't receive enough information to verify debt	TX 76036	Web

12/04/2021	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt is not yours	CA 94561	Web

11/30/2021	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt is not yours	CA 94561	Web

10/29/2021	Yes	Debt collection I do not know	Communication tactics Frequent or repeated calls	WI 53218	Web

09/26/2021	Yes	Debt collection Medical debt	Written notification about debt Didn't receive notice of right to dispute	TX 76179	Web

08/21/2021	Yes	Debt collection I do not know	Written notification about debt Didn't receive notice of right to dispute	LA 70056	Web	Servicemember

07/22/2021	Yes	Debt collection Other debt	Written notification about debt Didn't receive enough information to verify debt	PA 19138	Web

07/08/2021	Yes	Debt collection Credit card debt	Written notification about debt Didn't receive enough information to verify debt	VA 23324	Web

07/08/2021	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt was result of identity theft	RI 02908	Web

05/02/2021	Yes	Debt collection I do not know	Written notification about debt Didn't receive enough information to verify debt	IL 60415	Web

04/19/2021	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt is not yours	FL 33461	Web

04/19/2021	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	FL 33139	Web

03/31/2021	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt is not yours	MN 55411	Web

03/16/2021	Yes	Debt collection I do not know	Written notification about debt Didn't receive enough information to verify debt	CA 90503	Web

03/15/2021	Yes	Debt collection Credit card debt	Attempts to collect debt not owed Debt was result of identity theft	GA 30024	Web

02/26/2021	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt is not yours	NV 89108	Referral

02/22/2021	Yes	Debt collection Medical debt	Written notification about debt Didn't receive enough information to verify debt	TX 75019	Web

02/12/2021	Yes	Debt collection Credit card debt	Attempts to collect debt not owed Debt is not yours	IL 60215	Web

01/04/2021	Yes	Debt collection Credit card debt	Attempts to collect debt not owed Debt is not yours	GA 30004	Web

12/31/2020	Yes	Debt collection Auto debt	Attempts to collect debt not owed Debt was paid	TX 78109	Web

12/05/2020	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt is not yours	LA 70835	Web

12/04/2020	Yes	Debt collection I do not know	Written notification about debt Didn't receive enough information to verify debt	NJ 07109	Referral

08/19/2020	Yes	Debt collection Credit card debt	False statements or representation Attempted to collect wrong amount	CA 91504	Web

07/15/2020	Yes	Debt collection I do not know	Written notification about debt Didn't receive enough information to verify debt	NC 28215	Fax

06/26/2020	Yes	Debt collection Federal student loan debt	Attempts to collect debt not owed Debt was paid	IN 46307	Phone

06/25/2020	Yes	Debt collection Other debt	Written notification about debt Didn't receive enough information to verify debt	WA 98178	Web

05/22/2020	Yes	Debt collection Other debt	Took or threatened to take negative or legal action Threatened or suggested your credit would be damaged	IL 60619	Web

04/29/2020	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	IL 60615	Referral

04/23/2020	Yes	Debt collection Credit card debt	Attempts to collect debt not owed Debt is not yours	TX XXXXX	Web

03/11/2020	Yes	Debt collection I do not know	Written notification about debt Didn't receive enough information to verify debt	LA 70811	Web

02/04/2020	Yes	Debt collection Medical debt	Attempts to collect debt not owed Debt was result of identity theft	TX 77016	Web	Servicemember

01/22/2020	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Personal information incorrect	IL 60047	Web

01/13/2020	Yes	Debt collection I do not know	False statements or representation Attempted to collect wrong amount	TX 77449	Web

01/11/2020	Yes	Debt collection Credit card debt	Attempts to collect debt not owed Debt was paid	TX 75228	Web

11/11/2019	Yes	Debt collection Credit card debt	Attempts to collect debt not owed Debt is not yours	TX 75081	Web

10/01/2019	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt was result of identity theft	NV 89139	Web

09/05/2019	Yes	Debt collection Medical debt	Attempts to collect debt not owed Debt was paid	TX 78758	Web

08/29/2019	Yes	Debt collection I do not know	Written notification about debt Didn't receive enough information to verify debt	IL 60616	Web

05/23/2019	Yes	Debt collection I do not know	Communication tactics Frequent or repeated calls	VA 23325	Web	Servicemember

04/28/2019	Yes	Debt collection Credit card debt	Attempts to collect debt not owed Debt is not yours	IL 60634	Web

04/01/2019	Yes	Debt collection Federal student loan debt	Written notification about debt Didn't receive enough information to verify debt		Phone

03/26/2019	Yes	Debt collection I do not know	Communication tactics Frequent or repeated calls	WI 53045	Web

01/17/2019	Yes	Debt collection Credit card debt	Communication tactics Frequent or repeated calls	WA 98032	Web

12/13/2018	Yes	Debt collection I do not know	Written notification about debt Didn't receive enough information to verify debt	IL 60636	Web

12/04/2018	Yes	Debt collection Other debt	Written notification about debt Didn't receive notice of right to dispute	AZ 85641	Web

09/11/2018	Yes	Debt collection Medical debt	Written notification about debt Didn't receive notice of right to dispute	TX 77388	Web

09/07/2018	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt is not yours	LA 70810	Web

06/01/2018	Yes	Debt collection I do not know	Threatened to contact someone or share information improperly Contacted you after you asked them to stop		Phone

03/06/2018	Yes	Debt collection I do not know	Written notification about debt Didn't receive enough information to verify debt	FL 33603	Web

02/22/2018	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt is not yours	VA 24017	Web

02/01/2018	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt was paid	NV 89149	Web

12/26/2017	Yes	Debt collection Other debt	Took or threatened to take negative or legal action Threatened or suggested your credit would be damaged	UT 84711	Web

06/19/2017	Yes	Debt collection Other debt	Written notification about debt Didn't receive notice of right to dispute	LA 70562	Web	Servicemember

05/16/2017	Yes	Debt collection Other debt	Communication tactics You told them to stop contacting you, but they keep trying	CA 92694	Web

05/04/2017	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt was paid	NV 89183	Web

04/27/2017	Yes	Debt collection Other debt	Written notification about debt Didn't receive notice of right to dispute	KS 67226	Web

04/07/2017	No	Debt collection Other (i.e. phone, health club, etc.)	Cont'd attempts collect debt not owed Debt is not mine	MD 21826	Web

02/14/2017	No	Debt collection Other (i.e. phone, health club, etc.)	Cont'd attempts collect debt not owed Debt was paid	AZ 85355	Phone

02/12/2017	No	Debt collection Other (i.e. phone, health club, etc.)	Cont'd attempts collect debt not owed Debt is not mine	ID 83709	Web	Servicemember

02/01/2017	Yes	Consumer Loan Installment loan	Problems when you are unable to pay	MD 20781	Web

12/23/2016	Yes	Debt collection I do not know	Disclosure verification of debt Not given enough info to verify debt	NV 89101	Web

11/23/2016	Yes	Debt collection Other (i.e. phone, health club, etc.)	Cont'd attempts collect debt not owed Debt was paid	CA 94566	Postal mail

11/21/2016	Yes	Debt collection Other (i.e. phone, health club, etc.)	Disclosure verification of debt Not given enough info to verify debt	TX 77074	Web

11/09/2016	Yes	Debt collection I do not know	Communication tactics Frequent or repeated calls	MN 55426	Web

11/02/2016	Yes	Debt collection Other (i.e. phone, health club, etc.)	Taking/threatening an illegal action Threatened to sue on too old debt	CO 80223	Web

09/16/2016	Yes	Debt collection I do not know	Cont'd attempts collect debt not owed Debt is not mine	AZ 85254	Web

09/14/2016	Yes	Debt collection I do not know	Disclosure verification of debt Not given enough info to verify debt	TX 77074	Web

09/08/2016	Yes	Debt collection I do not know	Cont'd attempts collect debt not owed Debt is not mine	CO 80229	Web

09/01/2016	Yes	Debt collection I do not know	Disclosure verification of debt Not given enough info to verify debt	AZ 85712	Postal mail

08/26/2016	No	Debt collection I do not know	Disclosure verification of debt Not given enough info to verify debt	AZ 85016	Web

08/17/2016	No	Credit reporting	Improper use of my credit report Report improperly shared by CRC	VA 22304	Postal mail

04/25/2016	No	Debt collection Other (i.e. phone, health club, etc.)	Cont'd attempts collect debt not owed Debt is not mine	CA 94087	Web

04/07/2016	No	Debt collection Other (i.e. phone, health club, etc.)	Disclosure verification of debt Not given enough info to verify debt	IN 47355	Referral

04/05/2016	No	Debt collection Other (i.e. phone, health club, etc.)	Cont'd attempts collect debt not owed Debt is not mine	AZ 85035	Phone

03/29/2016	No	Debt collection Other (i.e. phone, health club, etc.)	Cont'd attempts collect debt not owed Debt is not mine	CA 91506	Phone

03/24/2016	Yes	Debt collection Other (i.e. phone, health club, etc.)	Disclosure verification of debt Not given enough info to verify debt	NY 11369	Referral

03/17/2016	Yes	Debt collection Other (i.e. phone, health club, etc.)	Cont'd attempts collect debt not owed Debt is not mine	AR 72715	Web

02/24/2016	Yes	Debt collection Other (i.e. phone, health club, etc.)	Cont'd attempts collect debt not owed Debt was paid	FL 32750	Web

02/12/2016	Yes	Debt collection I do not know	Communication tactics Frequent or repeated calls	IL 60543	Web

12/31/2015	Yes	Debt collection I do not know	Disclosure verification of debt Right to dispute notice not received	AZ 85308	Web

10/22/2015	Yes	Debt collection I do not know	Cont'd attempts collect debt not owed Debt is not mine	CT 06226	Web	Older American

08/12/2015	Yes	Debt collection I do not know	Cont'd attempts collect debt not owed Debt is not mine	WA 99027	Web

08/06/2015	Yes	Debt collection Other (i.e. phone, health club, etc.)	Cont'd attempts collect debt not owed Debt is not mine	OH 44278	Postal mail

07/16/2015	Yes	Debt collection Credit card	Communication tactics Frequent or repeated calls	NY 11418	Referral

05/29/2015	Yes	Debt collection I do not know	Disclosure verification of debt Not given enough info to verify debt	AZ 85032	Web

03/05/2015	Yes	Debt collection Auto	False statements or representation Attempted to collect wrong amount	FL 33134	Referral

01/16/2015	Yes	Debt collection Auto	Cont'd attempts collect debt not owed Debt was paid	NJ 07030	Web

01/09/2015	Yes	Debt collection Other (i.e. phone, health club, etc.)	False statements or representation Indicated shouldn't respond to lawsuit	TX 76227	Web

01/02/2015	Yes	Debt collection Other (i.e. phone, health club, etc.)	Disclosure verification of debt Not given enough info to verify debt	NY 11022	Postal mail

12/22/2014	Yes	Debt collection I do not know	Cont'd attempts collect debt not owed Debt is not mine	HI 96727	Web

11/04/2014	Yes	Debt collection I do not know	Communication tactics Frequent or repeated calls	NM 87505	Web

09/24/2014	Yes	Credit card	Other	DC 20013	Web

08/28/2014	Yes	Debt collection Medical	Cont'd attempts collect debt not owed Debt is not mine	TN 37013	Web

08/10/2014	Yes	Debt collection Medical	Cont'd attempts collect debt not owed Debt is not mine	LA 33498	Web

08/02/2014	Yes	Debt collection Other (i.e. phone, health club, etc.)	Cont'd attempts collect debt not owed Debt is not mine	MI 48380	Web

06/26/2014	Yes	Debt collection Medical	False statements or representation Indicated committed crime not paying	TX 77070	Web

06/04/2014	Yes	Debt collection Payday loan	Communication tactics Threatened to take legal action	TX 75216	Web

05/02/2014	Yes	Debt collection Credit card	False statements or representation Attempted to collect wrong amount	TX 75150	Web

04/20/2014	Yes	Debt collection Medical	Cont'd attempts collect debt not owed Debt was paid	TX 75234	Web

04/19/2014	Yes	Debt collection Other (i.e. phone, health club, etc.)	False statements or representation Attempted to collect wrong amount	VA 23703	Web	Servicemember

12/10/2013	Yes	Debt collection Other (i.e. phone, health club, etc.)	False statements or representation Indicated committed crime not paying	AZ 85281	Web	Older American

10/24/2013	Yes	Debt collection Credit card	Cont'd attempts collect debt not owed Debt resulted from identity theft	NJ 08701	Web	Older American, Servicemember

10/15/2013	Yes	Debt collection I do not know	Communication tactics Frequent or repeated calls	TX 75075	Web	Servicemember

09/24/2013	Yes	Debt collection Credit card	Communication tactics Frequent or repeated calls	UT 84123	Web

09/19/2013	Yes	Debt collection I do not know	Disclosure verification of debt Not given enough info to verify debt	TX 75217	Postal mail