| 07/06/2021 |
Yes |
- Debt collection
- Other debt
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- Written notification about debt
- Didn't receive notice of right to dispute
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Web |
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Be advised this is not a refusal to pay, but a notice that your claim is disputed and validation is requested. Under the Fair Debt collection Practices Act ( FDCPA ), I have the right to request validation of the debt you say I owe you. I am requesting proof that I am indeed the party you are asking to pay this debt, and there is some contractual obligation that is binding on me to pay this debt.
This is NOT a request for verification or proof of my mailing address, but a request for VALIDATION made pursuant to 15 USC 1692g Sec. 809 ( b ) of the FDCPA. I respectfully request that your offices provide me with competent evidence that I have any legal obligation to pay you.
" If a consumer disputes information with the CRA, both the CRA and the furnisher have a duty to reasonably investigate and verify that the information is accurate. Both the CRA and the furnisher must have complete knowledge of the account from the original creditor ( if applicable ) and must be able to provide a complete history of the alleged debtors account, all ledgers and/or statements, all signed and dated contract and/or agreement. The aforementioned must include contract and/or agreement that is signed and dated between the consumer and the furnisher. Both the CRA and the furnisher must provide the complete credit account in dispute for alleged debtor within 30 days required under Fair Credit Reporting Act. 15 USC 1681 ( a ) ( 1 ) ( A ), 1681s-2 ( b ). '' In accordance to the case of Boggio v. USAA Federal Savs. Bank, 696 F.3d 611 ( 6th Cir. 2012 ) ... the presiding judge found that.
*** '' Does furnisher conduct a reasonable investigation in response to an ACDV if it asks the debtor to provide a fraud affidavit or a police report? Answer. No. A consumers refusal to fill out police report or fraud affidavit does not impact the furnishers duty to conduct a reasonable investigation and validate the legitimacy of accounts in dispute or request for validation by consumer. '' At this time I will also inform you that if your offices have or continue to report invalidated information to any of the three major credit bureaus ( XXXX XXXX XXXXXXXX XXXX ), this action might constitute fraud under both federal and state laws. Due to this fact, if any negative mark is found or continues to report on any of my credit reports by your company or the company you represent, I will not hesitate in bringing legal action against you and your client for the following : Violation of the Fair Debt Collection Practices Act and Defamation of Character.
My attorney and your legal staff will agree that non-compliance with this request could put your company in serious legal trouble with the FTC and other state or federal agencies.
If your offices are able to provide the proper documentation as requested in the following declaration, I will require 30 days to investigate this information and during such time all collection activity must cease and desist. Also, during this validation period, if any action is taken which could be considered detrimental to any of my credit reports, I will consult with my firms managing attorney for suit. This includes any listing of any information to a credit-reporting repository that could be inaccurate or invalidated. If your offices fail to respond to this validation request within 30 days from the date of your receipt, all references to this account must be deleted and completely removed from my credit file and a copy of such deletion request shall be sent to me immediately.
It would be advisable that you and your client assure that your records are in order before I am forced to take legal action.
Please provide the following : Agreement with your client that grants you the authority to collect on this alleged debt.
Agreement that bears the signature of the alleged debtor wherein he/she agreed to pay the creditor.
Any insurance claims been made by any creditor regarding this account.
Any Judgments obtained by any creditor regarding this account.
Name and address of alleged creditor.
Name on file of alleged debtor.
Alleged account number.
Address on file for alleged debtor.
Amount of alleged debt.
Date this alleged debt became payable.
Date of original charge off or delinquency.
Verification that this debt was assigned or sold to collector.
Complete accounting of alleged debt.
Commission for debt collector if collection efforts are successful.
Copy of bond and license to do business in my state and state of where alleged debt was acquired. ( This is the bond and license that your company filed with the Secretary of State where alleged debtor resides. ) Please provide the name and address of the bonding agent for Recovery Management Services in case legal action becomes necessary. Your claim can not and WILL NOT be considered if any portion of the above is not completed and returned with copies of all requested documents. This is a request for validation made pursuant to the Fair Debt Collection Practices Act. Please allow 30 days for processing after I receive this information back.
Regards, cc Federal Trade Commission Mississippi Attorney General XXXX XXXX XXXX Consumer Finance Protection Bureau
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| 03/30/2019 |
Yes |
- Student loan
- Federal student loan servicing
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- Dealing with your lender or servicer
- Received bad information about your loan
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Web |
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Complaint Summary : I received a letter from the US Department of the Treasury dated XX/XX/XXXX ( Federal Offset Letter ) I called The US Department of Education, and was told that I had to contact XXXX XXXX XXXX.
XXXX XXXX XXXX has almost 200 complaints registered with The Consumer Financial Protection Bureau, as well as countless complaints listed with the XXXX and other internet searches. They were also fired for inappropriate dealings pertaining to student loans, and recently reinstated.
I made several calls, and left several messages.
I then called Student Aid and was directed to RMS, Recovery Management Services Inc.
RMS has 135 complaints registered with The Consumer Financial Protection Bureau, as well as countless complaints listed with the XXXX and other internet searches.
They told me not to contact XXXX XXXX XXXX, only deal with them.
I spoke with a woman ( XXXX, no last name given ), and she said I owed them over {$25000.00}.
I DONT She was rude, confrontational, and insisted that I sign up to pay {$5.00} per month to start the repayment process. There are many many complaints on the internet ( including The Consumer Financial Protection Bureau ), of how RMS forced consumers into this program, then got hold of personal information, changed the plan, harassed, and used their personal information inappropriately.
First of all, I DO NOT OWE THIS DEBT Second of all, I would not sign up to pay {$5.00} per month to pay a {$25000.00} debt that I DONT OWE.
I asked for documentation, and she said it would only delay the process and that I had to sign up to pay {$5.00} per month.
I refused on many occasions.
I asked for all documentation pertaining to my account. Finally she agreed to send all documentation.
I received it this week. ( Federal Offset RMS Documents ).
They sent copies of 2 pages. The pages are from 2 totally different documents? The font, and print dont even match ( not even close ).
She told me that I had defaulted consolidation loans on which I had never made a payment.
I got information from Student Aid on loans that were supposedly in default.
The information is NOT ACCURATE.
( Federal Offset MyStudentData Download ) One of the loans listed was a Perkins loan directly with XXXX University.
The loan was listed as defaulted.
I contacted XXXX University, who sent a document confirming that the debt had been paid in full.
That loan is now listed as Paid in Full.
I also found a box of bank statements from XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX. ( they were with old tax returns that I had no idea I had. These were the only ones I found ). In these statements were cancelled checks paid to XXXX XXXX XXXX XXXX XXXX for these loans. ( Federal Offset Cancelled Checks Summary, Federal Offset Cancelled Checks1, Federal Offset Cancelled Checks2 ). In XX/XX/XXXX, banks stopped returning cancelled checks, I do not have any statements beyond these ( with the exception of recent online accounts ).
The cancelled checks for the Perkins Loan with XXXX University totalled {$1900.00}.
The cancelled checks for the XXXX XXXX XXXX XXXX XXXX loan totalled {$3900.00}.
There were absolutely additional payments made, but these are the only statements that I happened to find.
( I dont keep documents for 30 years, I dont know anyone who does? ).
I tried to contact XXXX XXXX XXXX XXXX XXXX, but they are apparently no longer in business.
( the IRS confirmed this. ) I believe part of this stems from my fathers death ( 10 years ago ).
On my birth certificate Im XXXX XXXX XXXX On my drivers license Im XXXX XXXX XXXX ( XXXX wasnt available on my license at the time I received it ) On my social security card Im XXXX XXXX.
When my father passed away, XXXX XXXX declared me DEAD.
Apparently, when you die, any credit you have open is, at minimum, tripled, and written off.
( XXXX XXXX more than tripled it, and sold it to at least 5 collection agencies before writing it off ).
I didnt realize what had happened until I tried to buy a car ( 2 months after his death ).
I was told that they would love to sell me the car, but I was deceased.
When I got my credit report, every balance I had was at minimum tripled and written off.
I had to go to The Social Security Administration to prove I was still alive, and in fact, it was my father who had passed away.
It took years to pay, and cancel cards. My credit score went down over 250 points.
Example : I had a XXXX card that I owed approximately {$100.00} My report said almost {$400.00}, deceased. ( I called, told them I was alive, they said I owed them {$100.00} ) I paid {$100.00} and cancelled the card.
Nearly the same numbers with a XXXX card.
XXXX XXXX was listed with at least 5 collection agencies at more than 4 times the amount owed.
Approximately 5 years ago I received a letter from the IRS stating that XXXX XXXX had forgiven the debt I owed them ( over {$5000.00} ), and I had to pay tax on the debt ( over {$1000.00} ), as it was now considered income.
Every time I have to buy a new car ( mine had XXXX miles ), that requires a credit report. This same kind of thing happens. Its a Total Nightmare.
I DO NOT OWE THIS DEBT.
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| 08/20/2021 |
Yes |
- Debt collection
- I do not know
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- Written notification about debt
- Didn't receive enough information to verify debt
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Web |
Servicemember |
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To Whom It May Concern : This compliant is being sent to you in response to notices sent to me from your company and more importantly, due to your erroneous reporting to the Credit Bureaus, the highly negative impact on my personal credit report. Please be advised that this is not a refusal to pay, but a notice sent pursuant to the Fair Debt Collection Practices Act, 15 USC 1692g Sec. 809 ( b ) that your claim is disputed and validation is requested.
This is NOT a request for verification or proof of my mailing address, but a request for VALIDATION made pursuant to the above-named Title and Section. I respectfully request that your offices provide me with competent evidence that I have any legal obligation to pay you regarding the following account numbers : XXXX Please provide me with : 1. What the money you say I owe is for.
2. A detailed explanation of how you calculated what you say I owe.
3. Copies of any and all papers that prove I agreed to pay what you say I owe.
4. A verification or copy of any judgment, if applicable.
5. The identity, name, and address of the original creditor.
6. Proof that the Statute of Limitations has not expired on this account.
7. Proof that you are licensed to collect in my state.
8. Your license numbers and Registered Agent or Agent of Service.
At this time, I will also inform you that if your offices have reported invalidated information to any of the 3 major Credit Bureaus ( XXXX XXXX XXXX XXXX XXXX this action might constitute fraud under both Federal and State Laws. Due to this fact, if any negative mark is found on any of my credit reports by your company or the company that you represent, I will not hesitate to bring legal action against you for the following : 1. Violation of the Fair Credit Reporting Act 2. Violation of the Fair Debt Collection Practices Act 3. Defamation of Character If your offices can provide proper documentation as requested in the following Declaration, I will require at least 30 days to investigate this information and during such time all collection activity must cease and desist.
Also, during this validation period, if any action is taken which could be considered detrimental to any of my credit reports, I will consult with my legal counsel for suit. This includes listing any information with a credit reporting repository that could be inaccurate or invalidated or verifying an account as accurate, when in fact there is no provided proof that it is accurate.
If your company fails to respond to this validation request within 30 days from the date of your receipt, all references to this account must be deleted and completely removed from my credit report and a copy of such deletion ( to any/all of the 3 major credit reporting bureaus : XXXX XXXX and XXXX XXXX request shall be sent to me immediately.
I would also like to request, in writing, that no telephone contact be made by your company to my home or my place of employment. If your offices attempt telephone communication with me, including but not limited to computer generated calls and calls or correspondence sent to or with any third parties, it will be considered harassment and I will have no choice but to file suit. All future communications with me MUST be done in writing and sent to the address you last have on file if any.
It would be advisable that you assure your records are in order before I am forced to take legal action against your company and your client. This is an attempt to correct your records, any information obtained shall be used for that purpose.
Best Regards, XXXX XXXX
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| 06/06/2022 |
Yes |
- Debt collection
- I do not know
|
- Written notification about debt
- Didn't receive enough information to verify debt
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Web |
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I XXXX XXXX am a person, non-adverse, non-belligerent, non-combatant party and executer with full life. I am in possession of my credit reports with your voluntary submission of alleged account in question. As you keep reporting the alleged account verified and accurate. I herby dispute this alleged account in its entirety and request the removal of it from my consumer report. This letter also constitutes as a cease and desist, for you Recovery Management Services to stop all attempts at collecting this alleged debt owed to you. This letter is addressing XXXX, XXXX, XXXX and you the direct data furnisher of this subterfuge. Recovery Management Services must herein provide a true and certified original copy of the complete audit trail under penalties of perjury of said account, pursuant to 15 USC 1692g of FDCPA. Furthermore in order for Recovery Management Services to validate this debt, please provide verification through audit certification of debt entry in accordance with G.A.A.P, IFRS, in accordance with BASEL3 and U.N.C.I.T.R.A.L. Conventions. I will also need a certified copy of the original contract with my wet ink signature between me and Recovery Management Services. Providing that Recovery Management Services is the holder in due course of the original debt contract and a certified original copy of your Tax Registration Certificate.
I also request the following documentations listed bellow to be certified and sent with your response.
Full accounting for this account Copy of the assignment of purchase from the creditor Every charge and what was purchased, fees, payment, credit, interest paid ) How you calculated what you claim I owe Full chain of assignment from charge off to present Proof that you own the debt with full clear title Proof that you were on the original contract All should be certified and presented to me with a certificate of testimony that the allege account is 100 % accurate and belonging to me. I also request certified testimony that your company, branches, and or offices were in full compliance with the FCRA and all of its mandated rules when it comes to reporting accurately. Please also provided certified testimony on how you validated this debt to all credit reporting agencies and any and all third party reporting agencies you have reported to.
( Fields v. Wilber Law Firm Coppola v. Arrow Financial Services ) ( 73 Am Jr. sect. 93 ) & Gearing v. Check Brokerage Corporation ) Also you have committed the following FDCPA Violations : 806. Harassment and abuse 807. False or misleading representations 808. Unfair practices 809. Validation of debts If you can not provide me with each and every item listed above then you must remove this account from all three of credit reports immediately according to the FDCPA. If you verify this inaccuracy for the credit bureaus without providing me with all of said listed items you are in violation of the law, which carries a fine of {$1000.00} per violation. Any communications not received by certified mail under the Penalties Of Perjury will be refused for course without dishonor and defective upon its face. Failure to substantiate the claim under Penalties Of Perjury, please settle this account immediately within ( 15 ) days.
Notice To Agent notice to principal All Rights Reserved Without Prejudice U.C.C 1-308
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| 03/24/2016 |
Yes |
- Debt collection
- Other (i.e. phone, health club, etc.)
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- Cont'd attempts collect debt not owed
- Debt is not mine
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Web |
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Weds XXXX XXXX, I received a notice in the mail from University XXXX ( XXXX ) in conjunction with Recovery Management Services , Inc ( RMS ) claiming I owed {$150.00} in citations from XXXX and a threat to suspend vehicle registration. At this point, the issue is almost comical to me if it were n't for the sheer abysmal failure of XXXX 's Parking and Transportation Services to do any due diligence or record maintenance over the last three years. The issue had been addressed in XXXX, and I, XXXX XXXX XXXX, have not owned the vehicle since XXXX/XXXX/XXXX. Here is the sequence of events as I understand them in my research : XXXX XXXX XXXX receives a Lease End Notice XXXX/XXXX/XXXX from XXXX XXXX XXXX is turned in by XXXX XXXX XXXX to XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, XXXX on XXXX/XXXX/XXXX According to XXXX and XXXX Bank car was sold to college aged student on XXXX XXXX, XXXX According to the XXXX DMV record search title was processed and transferred to new party on XXXX/XXXX/XXXX ( Title XXXX was processed on XXXX/XXXX/XXXX ) City of XXXX XXXX tries to bill XXXX XXXX XXXX for Ticket XXXX on XXXX/XXXX/XXXX XXXX, XXXX, and the City of XXXX XXXX ( spoke with XXXX XXXX/XXXX/XXXX ) validate that XXXX XXXX XXXX is not the owner of the vehicle during the violation period and indemnifies him from any further action University XXXX XXXX XXXX Falsely files a first notice of citation payment due with XXXX XXXX XXXX, Account Number : XXXX Citation Numbers : XXXX, XXXX, XXXX and Contracts RMS to service the collection of this False Debt ( RMS was not mentioned in the e-mail, or in the letter from XXXX, i.e. XXXX sold this to a collection agency prior to any due date mentioned in the original form letter ) XXXX XXXX XXXX calls XXXX at XXXX and speaks with representative who can not help as she does not have access to records. XXXX/XXXX/XXXX E-mails are exchanged between both Parties and issue is 'claimed ' to be resolved, XXXX sends letter and claims the issue is closed XX/XX/XXXX-XX/XX/XXXX XX/XX/XXXX XXXX XXXX XXXX receives letter from RMS claiming the same amount is owed XX/XX/XXXX Immediately call and get a hold of the customer service rep, states issue is closed and refuses to provide any proof, initially refuses to allow transfer to manager, transferred to manager who also refuses to provide any documentation and admits to not having any policy in place to do so, nor are they able to due to third party outsourcing. Manager is XXXX XXXX at XXXX.
This is my 2nd encounter with XXXX and my first with RMS. The unprofessionalism and complete disregard for customer service or ability to speak intelligently as to any reason not to provide documents at RMS gives the impression of deception and fraud. XXXX for their shady and non-disclosure of involving RMS is completely absurd and should have been addressed previously and disclosed to me. I have no faith that this issue will be resolved and fear harm to my good reputation and credit.
I have fully documented this transaction and will provide any and all required to the CFPB. I considered this matter closed with XXXX until further action was taken by RMS.
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| 06/15/2022 |
Yes |
- Debt collection
- I do not know
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- Communication tactics
- You told them to stop contacting you, but they keep trying
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Web |
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Hello, RMS-Recovery Management Services is a third party collection agency retained by XXXX XXXXXXXX University to collect the consumers outstanding debt. RMS-Recovery Management Services did not purchase this debt from XXXX XXXX University . RMS-Recovery Management Services provided the consumer with an itemized statement of charges, per the consumers request, on XX/XX/2022. I have attached the itemized statement of charges as well. RMS-Recovery Management Services will not make any attempt to contact the consumer. If the consumer has any additional questions, feel free to contact me directly at XXXX. XXXX XXXX Again this is an alleged debt so please provide me with the proof I owed RMS any alleged debt please show me where I have had an account with RMS, a signed contract to pay you any fees or debts. Note this is not asking for any validation of debt in which you can not verify any debt or alleged debt I've never had with your company. This is asking if RMS is in compliance with the FDCPA and a request of all documents requested below and in my previous complain in which you have not submitted to me.
I also request the following documentations listed bellow to be certified and sent with your response.
Full accounting for this account Copy of the assignment of purchase from the creditor Every charge and what was purchased, fees, payment, credit, interest paid ) How you calculated what you claim I owe Full chain of assignment from charge off to present Proof that you own the debt with full clear title Proof that you were on the original contract All should be certified and presented to me with a certificate of testimony that the allege account is 100 % accurate and belonging to me. I also request certified testimony that your company, branches, and or offices were in full compliance with the FCRA and all of its mandated rules when it comes to reporting accurately. Please also provided certified testimony on how you validated this debt to all credit reporting agencies and any and all third party reporting agencies you have reported to.
( XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ) ( 73 Am Jr. sect. 93 ) & XXXX XXXX XXXX XXXX XXXX ) Also you have committed the following FDCPA Violations : 806. Harassment and abuse 807. False or misleading representations 808. Unfair practices 809. Validation of debts If you can not provide me with each and every item listed above then you must remove this account from all three of credit reports immediately according to the FDCPA. If you verify this inaccuracy for the credit bureaus without providing me with all of said listed items you are in violation of the law, which carries a fine of {$1000.00} per violation. Any communications not received by certified mail under the Penalties Of Perjury will be refused for course without dishonor and defective upon its face. Failure to substantiate the claim under Penalties Of Perjury, please settle this account immediately within ( 15 ) days.
Notice To Agent notice to principal
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| 11/18/2019 |
Yes |
- Debt collection
- Federal student loan debt
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- Attempts to collect debt not owed
- Debt was result of identity theft
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Web |
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During a review of my credit report, I noticed a debt and a corresponding name to that debt that do not belong to my identity. The debt was related to a federal student loan and the name corresponding to that debt was one not belonging to my identity. After further review, I disputed that debt and name with each credit bureau as neither belongs to my identity. To this day, the referenced derogatory account has remained on my credit profile and is affecting my scores tremendously. I know that this debt is not an enforceable debt in the amount stated and does not belong to my identity. An unknown party without my permission or knowledge used my personal identification data to execute documents to obtain this loan. As I did not apply for this loan personally, I never intended to receive a student loan to pay for my education. An attempt to use mine and others personal identification data to obtain this loan was done illegally, with incorrect and false data.
The date of the first contact by the collection agency was XXXX of XXXX. The total balance they presented to me was {$5200.00}. At that time I contacted the agency explaining the debt was not mine and does not belong to my identity. They responded in XXXX with documents and steps I needed to take in order to prove that fact. I followed their steps within the same month, only to be contacted saying what I did was incorrect and would not be accepted. In XXXX after not hearing from the agency, I sent another letter explaining the debt was not mine in conjunction with a letter from the FTC and an Identity Theft Report to have the debt collection stopped and it removed from my consumer report. Between XXXX and XXXX, they started to send correspondence to my work saying that they were going to garnish my wages in order to pay off the debt. They did not stop reporting the debt or stop collections activity against me but sent another form in XXXX that I needed to fill out to prove the debt does not belong to my identity. I complied and returned the form within the week. Again they responded needing MORE supporting documents by XX/XX/XXXX. The documents the requested were documents I sent them previously and this would now be the fourth time. I sent the documents in order to comply and put the matter to rest. However, after returning the documents I have not been able to get ahold of the agency and they have not communicated any results back to me. I have sent follow up letters to all parties involved but I have not received any responses. One thing the collection agency does a good job of is leaving the full name of who the debt belongs to on their documents. They leave out a key part of the name that proves immediately the name and debt does not belong to my identity.
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| 05/18/2022 |
Yes |
- Debt collection
- I do not know
|
- Took or threatened to take negative or legal action
- Threatened or suggested your credit would be damaged
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Web |
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My name is Name, a federally protected consumer, and I am making this complaint against Recovery Management Services, for committing identity theft. I have never given Recovery Management Services, any permission to use any of my identifying information to commit mail fraud by contacting me about an alleged debt they claim I owe. I am aware that in accordance with Article 9, the assignment of a defaulted note is illegal. Both the assignee and the assigned are both liable for violations under 15 U.S. Code 1692e I have not validated any alleged debt with ( COMPANY ) and my failure to dispute the validity of these alleged debts shall not be construed as an admission of liability. As of XX/XX/2022, I have not received any documentary evidence, such as a trilateral contract, giving Recovery Management Services any right to collect on this alleged debt.
I have never received any documentation requesting validation from Recovery Management Services, before they committed multiple violations under the FCRA and the FDCPA by furnishing this alleged debt to my consumer report, including but not limited to 15 U.S. Code 1692d ( 4 ) which the FTC defines as debt parking. If Recovery Management Services, can not provide me with proof such as a tracking number that they attempted to lawfully validate this alleged debt with me, the consumer, prior to furnishing it on my consumer report, this has been a fraudulently furnished account with forethought and malice as an attempt to bring harm to me and my financial reputation.
I am legally refusing to pay this debt pursuant to 15 U.S. Code 1692c ( c ). I am demanding a cease and desist of all illegal activity, any communication and collection activity, of this and any alleged debts until Recovery Management Services
, can provide me with sufficient documentary evidence that I have any legal obligation to pay them. If this documentary evidence can not be produced and Recovery Management Services, continues its collection efforts, I will file for litigation for actual damages caused and Recovery Management Services, will be held criminally liable for aggravated identity theft pursuant to 18 USC 1028A, extortion, theft by deception, securities fraud, and mail fraud. Upon the receipt of the documents herein and of this notice, you are hereby notified Pursuant UCC 1-202f. Your prompt attention and response are both requested and required.
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| 01/18/2021 |
Yes |
- Debt collection
- Federal student loan debt
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- Written notification about debt
- Didn't receive notice of right to dispute
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Web |
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RMS DID NOT contact me about collecting a debt. RMS NEVER contacted me at any point in time to identify THEIR COMPANY as a company and to confirm if this debt is mine via phone call/voicemail, email, or mail nor have you sent me a debt contract in the mail. I found out about this debt by an alert of a negative impact on my CREDIT REPORT.
How can RMS report a debt on my credit report without contacting me to verify that the debt is MINE AND VALID.
I made FIRST PARTY CONTACT to RMS on Friday, XXXX XXXX, XXXX by calling the number on my credit report to dispute the Negative Report.
The debt is in fact INVALID due to it being a STUDENT LOAN where as of XX/XX/XXXX, student loan payments have been SUSPENDED until XX/XX/XXXX via the CARES Act.
I DISPUTE THIS REPORT AND DEMAND THIS NEGATIVE REPORT BE REMOVED OFF MY CREDIT REPORT IMMEDIATELY BECAUSE IT IS ILLEGAL VIA THE CARES ACT.
I WILL ALSO REPORT RMS COMPANY TO THE XX/XX/XXXXXXXX XXXX AND FEDERAL TRADE COMMISSION AS RMS IS COMMITTING ILLEGAL PRACTICES SUCH AS : 1 ) THE FTC STATES IN SECTION 806. HARASSMENT OR ABUSE, ( 6 ) " THE PLACEMENT OF TELEPHONE CALLS WITHOUT MEANINGFUL DISCLOSURE OF THE CALLER 'S IDENTITY SECTION 807. FALSE OR MISLEADING REPRESENTATIONS, ( 10 ) " THE USE OF ANY FALSE REPRESENTATION OR DECEPTIVE MEANS TO COLLECT OR ATTEMPT OR COLLECT ANY DEBT OR TO OBTAIN INFORMATION CONCERNING A CONSUMER '' Account Representative XXXX XXXX of RMS collection agency refused to tell me any information regarding my debt and deceptively told me that I must release information regarding my BANK ACCOUNT, CREDIT CARD BALANCE, RENT PAYMENT AMOUNT, UTILITY BILL AMOUNT, CELL PHONE BILL AMOUNT, CAR PAYMENT, CAR YEAR/MAKE/MODEL, PREVIOUS EMPLOYER/ANNUAL SALARY, PREVIOUS EMPLOYER PHONE NUMBER, UNEMPLOYMENT BENEFITS, AND MARITAL STATUS, in order to receive information regarding the ILLEGAL AMOUNT OWED. When I REFUSED to provide information mentioned above, XXXX XXXX stated that I must provide ALL information to move forward. XXXX XXXX also did not disclose to me over the phone my rights to DISPUTING the debt. XXXX XXXX also made false claims of how the account will be switched over to another DEPARTMENT/AGENCY IF I DID NOT SET UP A PAYMENT PLAN BY XXXX ON FRIDAY, XX/XX/XXXX ( THE INITIAL DATE I CALLED ).
|
| 07/12/2016 |
Yes |
- Student loan
- Non-federal student loan
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- Dealing with my lender or servicer
- Having problems with customer service
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Web |
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When enrolling in the school I was notified how much I would need to take out in terms of federal student aid, and was also told I had to take some private loans from the school because the federal aid would not cover my education. I was not sure why I had to pay while I was going to school, as I assumed loans were to be payed after you finished school, but they required payments from me monthly while I was attending, which did not help me financial situation. I took out over {$25000.00} in federal student aid which I am currently repaying. I quit going to school at the beginning of the semester because of unforeseen financial hardship and soon began to receive calls and letters from the school stating I had a balance with them. I was unaware of this balance as when I logged into my account on the schools webpage, it stated my balance was {$0.00}, yet I kept receiving phone calls and letters stating I need to pay over {$2500.00} to which I had no idea about, or where it came from. When I finally spoke with the school they stated I needed to pay up. I told them I could not repay it all at once, and could only make a payment of about {$400.00} at the time, to which they did not seem to like, but I did so anyways. I had some trouble making payments from time to time so they sent me over to a collection agency to which I set up a payment plan with. While making my payments on time, I kept receiving calls and letters from them stating I needed to contact them asap. When I finally had the time to do so they would not respond. I attempted to call the phone number provided on the letter I received to only receive an empty dial tone like it was not in service. I also attempted to email them and still no response. I am now getting this reflected as negative points on my credit history and I do not know what to do about it. I can not contact the company, nor can I pay them. And I still do not know what this loan amount is for. I have been reading about scams this school has done in the past, and do not know if these are legitimate statements made but it worries me they are preying on me and trying to take money from me I do not owe them.
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| 12/25/2021 |
Yes |
- Debt collection
- I do not know
|
- Threatened to contact someone or share information improperly
- Contacted you after you asked them to stop
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Web |
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XX/XX/XXXX I spoke with an agent ( XXXX XXXX ) from RMS-recovery and stated that the debt is not mine and I am calling to dispute it and would like to know the steps needed to take to dispute and remove it from my consumer report. The agent insisted that the debt was mine and also that it is valid saying that I have a responsibility to pay them, and I told them that I would like written communication of the described debt and that is the only way I want to be contacted from this point forward via mail. Also, I am not making any payment arrangement nor am I claiming this debt is mine.
on XX/XX/XXXX I wrote a letter stating that this debt is not valid nor is the described debt mine. I am not claiming liability for it and it should be removed from my consumer report. I have a certified mail receipt # XXXX XXXX XXXX XXXX XXXX on XX/XX/XXXX Received a letter from XXXX stating the described debt which was only a bill from the original creditor, then I received a phone call from XXXX XXXX. then she began to harass me while I was enjoying my vacation time with my family for XXXX. Literally 3 days before the holiday. Stating that I need to pay that debt. I told her that I am not responsible for that debt and I sent in a letter in the mail. She then spoke over me saying that I will mark this debt as a refusal to pay and you will face penalty charges and fees and it will affect negatively on my consumer report and hung up the phone on me. I then began to call the company wanting to speak with the agent about the debt but then she continued to pass me off to a different agent over 3 different times. I had to speak with a different agent to describe the situation and I explain to them as kindly as possible that I would not like to ever be contacted by phone from this company ever again and that they need to remove their negative information from my consumer report. I've never been treated with so much disrespect in my life. this is illegal and they also violated my rights.
|
| 04/17/2020 |
Yes |
- Debt collection
- I do not know
|
- False statements or representation
- Impersonated attorney, law enforcement, or government official
|
|
Web |
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This company 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 ). Please provide me with a true and certified copy of the complete audit trail/Certified Final Forensic Internal Audit of said account. Furthermore, in order for this company to validate the debt, please provide verification through audit certification of debt entry in accordance with G.A.A.P., I.F.R.S., in accordance with basel 3 accord and U.N.C.I.T.R.A.L Conventions.
Notice Should you fail to provide Us with a copy of Our agreement and provide a persons name that We can communicate with then We will consider this matter at and end and notify you that any further demands for unsolicited goods and services will be regarded as claims for unjust enrichment in contravention of Fair Trading Act 1986, s21c and Unsolicited Goods and Services Act 1975, s4 and will be forwarded to Our solicitor for action. Your failure to respond, within 10 days of the receipt of this notice, and rebut with particularity, everything in this document with which you disagree is your lawful, legal and binding agreement with and admission to the fact that everything in this document is true, correct, legal, and lawful and binding upon you, in any court, anywhere in the United States of America, without your protest or objection or that of those who represent you. Your silence is your acquiescence. See : Connally v. General Construction Co., 269 U.S. 385, 391. Notification of legal responsibility is the first essential of due process law. Also, see U.S. v. Tweel, 550 F. 2d. 297. Silence can only be equated with fraud where there is a legal or moral duty to speak or where an inquiry left unanswered would be intentionally misleading. The recipient of this document is obligated to verify the record is correct or correct such record where a defect is found.
|
| 02/02/2024 |
Yes |
- Debt collection
- Federal student loan debt
|
- Communication tactics
- Used obscene, profane, or other abusive language
|
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Web |
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I called Recovery Management Services at XXXX on XXXX at to inquire about my defaulted loan. My loan had been on hold due to XXXX XXXX 's exemption promise. It was taken out of hold, and I did not know. It was sent to collections. I got a call from Recovery Management Services in late XXXX. I called today to get my loan out of default, so I can apply for federal student aid for XXXX XXXX
I told her I need to apply to XXXX XXXX and I told her that at the beginning of the call. She used this precarious position to hang necessary information over my head, such as how to pay off the loan presently, what my login information to do so might be, and what my options to pay were.
I called the company in order to resolve the issue as soon as possible. I expect decent treatment. This was not he case. The operator told me that my payment was bounced back from my bank, so I could not pay with a payment plan anymore. She said credit card payments were available. She said " we will call you '' unlimitedly and as frequently as they want, to collect the debt. I took this as a threat. The balance is {$750.00}. I was taken aback, and told her I did not want to argue, just to know my options. She told me there was no payment plan available, and reiterated that it was because my ACH bounced back, so I asked if I could pay another way. She said the balance needed to be paid in full, and could be done online. She began to change the information, saying I could make multiple payments though the month of XXXX. I brought my dad on the phone, feeling suspicious about her inconsistent information. I told her he was there. She then said, I had until the end of XXXX to pay the loan, not that it was due now, as she said before. She finally changed her information, saying I had until the end of XXXX to pay the loan, and that I could make several payments online to do so. This was a complete change from the information from the beginning of the call.
|
| 05/02/2019 |
Yes |
- Debt collection
- Private student loan debt
|
- False statements or representation
- Attempted to collect wrong amount
|
|
Web |
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In XX/XX/XXXX, I was contacted by Recovery Management Service on a debt they said originated from XXXX University Online which I had previously attended starting in XXXX to pursue a XXXX XXXX degree. All of my payments were from Student loans and this handled through FAFSA.When I withdrew from XXXX in XXXX or so due to personal commitments they had done some creative accounting by charging for classes I had not taken, then sending back all of my student loans and grants from the current and previous Semester. This in short showed I had a debt to the school for {$9900.00}. This had happened once before with them when I dropped out in XXXX they sent my federal funds back and claimed then a balance of {$10000.00}, Some months later when I was contacted by the school I agreed to re-enroll after they corrected the accounting error in which XXXX admitted they made a mistake and re submitted for federal student funds and I had a small balance of {$630.00} for a dropped class. This time I did not re enroll as I found the communication and service very lacking and decided to look elsewhere, when I did the same thing happened and now RMS is saying I owe this debt. But in XXXX XXXX and its parent company were closed down to misuse of Student Loans, they essentially sent back students funding but instead kept the money for personal expenses. I have tried to no avail to sort this out with RMS but it is difficult now that XXXX has been shut down essentially because the Federal Government would not send anymore student aid to them and they filed for Bankruptcy closing all campuses. I have contacted them but have left several messages to no avail.
|
| 03/04/2020 |
Yes |
- Debt collection
- I do not know
|
- Written notification about debt
- Didn't receive enough information to verify debt
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Web |
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My Name is XXXX XXXX. My father ( XXXX XXXX ) is helping me with this letter. Beginning in mid XXXX I developed XXXX. Both XXXX XXXX XXXX, and XXXX XXXX which prevented me from returning to XXXX XXXX University in Arizona. I am working with my doctor to find a medication that will allow me a normal life. But upon leaving XXXX they sent me a {$550.00} bill with no breakdown of what the fee was for.
I sent them the following correspondence.
RE ; XXXX XX/XX/XXXX To Whom It May Concern : I dispute the validity of this debt. XXXX XXXX University ( XXXX ) automatically enrolled me without explaining the significance, or expense of not returning to XXXX.
Please send me my written contract making me liable for this specific charge, ************************ They send me my initial enrollment package with no explanation of the details of this bill.
XXXX assigned it to RMS Collection. RMS was given a 3rd party authorization to speak to my parents. They refused. They refused to send me a breakdown of the charges.
I did not want to have this {$550.00} collections hit my credit report and there was nothing I could do.. I had to pay it. But I still do not know what it was for.
The balance was paid.
But I would like specific details why I am being billed {$550.00}, and a specific complaint against XXXX XXXX ( Employee of RMS - Recovery Management Services )
|
| 08/29/2018 |
Yes |
- Debt collection
- I do not know
|
- Attempts to collect debt not owed
- Debt is not yours
|
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Web |
|
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OK, I get this letter from a collection agency for {$630.00} for a college in Arizona ... I have never even thought about them or their college, my public records will show i have lived in XXXX, Ohio for my entire life ... and i called/yelled at them, yes, because they threatened to report it to the credit bureaus, n it's not even real, and i was hot, i have kept my score good all these years n here come these wackos telling me i owe a bill that i know doesn't/could n't exist ... so i studied online n i did my legal thing i disputed it certified mail with return receipt, which i got back, so i know they received it ... so within 30 days i wanted something/anything ... so i could fight that too, but in 30 days they sent me a SINCE WE HAVEN'T HEARD FROM YOU letter n i called n cussed out that lady n they just sent another ... they are harassing me, it's not real, n since then i have received a notice that my car whatever was expiring ... i do XXXX XXXX don't even have a license for 15 years, and it's from the same state so i figure they are harassing me more, i want them to leave me alone, i don't owe anything in collection, im all up to date, and i'd like to take legal action, because this is disgusting ... i went and scanned /usb 'd my docs so you can see for yourself, and thank you for listening, i want to cuss so bad ... XXXX
|
| 12/28/2022 |
Yes |
- Debt collection
- I do not know
|
- Took or threatened to take negative or legal action
- Threatened or suggested your credit would be damaged
|
|
Web |
|
|
This debt was previously sold to two different debt collection agencies- XXXXXXXX XXXX XXXX and Recovery Management Services . Per my previous complaint with the CFPB, this debt was legally guaranteed from XXXXXXXX XXXX XXXXXXXX to be deleted from my credit infinitely under the circumstances of obscene harassment and threatening me illegally. This debt was then collected by another agency ( RMS ) who has persistently harassed me and I have filed a complaint in XXXX of 2022 for that. This debit was deleted from my credit as promised however they have continued to harass and threaten me. I have documented calls on XX/XX/2022, XX/XX/2022, and XX/XX/2022. Then on XX/XX/XXXX, they reinstated the debt illegally on my credit report and have illegally given my personal data ( full name, birthday, and social security number ) to people who are not me and have not validated they are me. Therefore my identity has been compromised. As a result of this constant harassment, threatening, and illegal activities, I am letting this complaint serve as a final notice for this to be deleted off my credit with written confirmation. If this is not the result, I will have my attorney be in contact with this agency. Thank you.
|
| 09/17/2020 |
Yes |
- Debt collection
- Federal student loan debt
|
- Communication tactics
- Frequent or repeated calls
|
|
Web |
|
|
I was enrolled at XXXX XXXX University in XXXX but I was not eligible for financial aid. I withdrew from the classes before the financial aid deadline because I would not be able to afford to pay the tuition out of pocket. I did not partake in the classes after that date. It is very ironic and stressful that I am being asked to pay for a service that I did not want to use because I could not afford it. I emailed the XXXX XXXX XXXX office directly but I have not received a response.
I am not sure what happened with my withdrawal form. I remember editing the PDF copy and post dating it for the day of the financial deadline. The computer that I was using at the time was my old XXXX XXXX which since has had the battery explode and I was not able to recover any information from the device.
One issue I am having with RMS recovery debt collection is that every time they call me I ask questions to understand the situation and the associates that I speak to simply hang up on me mid-sentence. I have been very polite and have never raised my voice or used profanity. I am simply trying to get some sort of clarification or additional information so that I can move forward with resolving this debt.
|
| 03/09/2022 |
Yes |
- Debt collection
- Other debt
|
- Communication tactics
- You told them to stop contacting you, but they keep trying
|
|
Web |
|
|
I have been contacted by Recovery Management Services on the dates of XXXX, and XXXX. I made it known during the first phone call on XXXX that they are not to call me, and that I can not take calls as I work from XXXX to XXXX, however, the same individual proceeded to contact me again on XXXX. Once again, I informed the individual, from Recovery Management Services, that I had told them before not to call me, and that I did not appreciate them harassing me, which resulted in the individual proceeding to threaten that things would only get worse if I didn't pay, and that they were going to have to proceed to the next step of debt collection, further harassing me despite me telling them at the beginning of the phone call not to contact me and that I was working. I proceeded to get harassed by this individual for the duration of the phone call about how bad things would happen if I didn't pay, and that I would have to pay eventually. The individual calling from Recovery Management Services also has not provided me the exact amount I owe, although stating via phone call that I owe excess of {$8000.00}, despite the amount owed to the original creditor being around {$7200.00}.
|
| 04/06/2018 |
Yes |
- Debt collection
- Other debt
|
- Communication tactics
- You told them to stop contacting you, but they keep trying
|
|
Web |
|
|
I forgot the name of the agent, however upon speaking to her several times trying to explain to her that I could not afford any of the options she was giving me. She told me that I had to figure it out ( somewhere along the lines of that ) and then hung up on me. I called back and told her that I no longer wanted to speak with her via voicemail because no one answered. However she kept calling me to the point that I needed to block her number. On top of that, I did not know that I could dispute my debt with the school and there is also a XXXX $ collections fee that I have to pay them just to take my account. I tried taking out a personal loan from XXXX XXXX to pay them. But XXXX XXXX XXXX was not willing to move the date back to clear my loans for the semesters that I was not paying. The letters and phone calls to my house continued with lines that said We recommend that you pay the XXXX $ in full or We have not discussed any ways that you plan on paying when I infact DID tell her how I planned on paying. In my most recent letter she pretty much lied about her not being able to contact me and not knowing how I planned on paying.
|
| 01/06/2023 |
Yes |
- Debt collection
- I do not know
|
- Attempts to collect debt not owed
- Debt was result of identity theft
|
|
Web |
|
|
I have attempted to resolve this issue previously with this company Recovery Management System ( RMS ). Upon my own recent discoveries, per XXXX, this agency is not authorized to collect a debt in neither of the two states that this alleged debt was incurred. I am curios to know why this agency has taken adverse actions against me, such as posting inaccurate information to my credit file, when their not even licensed to do business in neither XXXX nor XXXX, per XXXX. I have been violated and my consumer credit file has been damaged as a result of unfair and deceptive practices.
Furthermore, I have not received any contracts showing a perfect obligation of me, the consumer, to pay this agency. I have not authorized this agency to have access to my non public information, and, as a result, I have been harassed about this alleged debt and my credit report has been damaged as well. My confidence in commerce has been lowered due to the lack of integrity of this agency.
|
| 11/07/2023 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt was paid
|
|
Web |
|
|
XXXX XXXX XXXX got in touch with me regarding a debt from XXXX XXXX XXXX for an emergency loan. On XX/XX/2001, the balance stood at {$7000.00}, but XXXX XXXX agreed to settle the debt for XXXX XXXX XXXX loan for {$4000.00}. I made the payment through their website, with confirmation number XXXX. Later, RMS - Recovery Management Services Inc. contacted me regarding the same emergency loan from XXXX XXXX XXXX that I had previously settled with XXXX XXXX XXXX. According to RMS, the debt amounted to {$3000.00}, including fees of {$850.00}. I tried to explain to the RMS representative that this debt was already settled as per my agreement with XXXX XXXX XXXX, but she was confrontational and insisted it was a different loan. Despite my efforts, she disregarded my statement and warned me about the potential credit damage if I didn't pay. She hung up the phone without any further explanation as mandated by the law. XXXX XXXX XXXX considers this loan settled.
|
| 01/23/2016 |
Yes |
- Debt collection
- Non-federal student loan
|
- Improper contact or sharing of info
- Contacted employer after asked not to
|
|
Web |
|
|
Called my employer asking for me passing himself as a sprint customer that need to speak to me. When a manager picked up the phone and asked the caller who was asking for me the caller responded im a customer. When the manager picked up again and requested again who was calling for me since I was busy with a customer he then responded with his name and he was calling from Recover Management Services. When they requested for me they only said XXXX. Not by my full name. Also they continue to call my employer and not only getting me in trouble but calling private after my manager told them to stop calling my job. My employer came to me with a complaint. Call was made at XXXX XXXX/XXXX/2016. I have also requested a written notice of the bill with information of the collection company since I was first contacted about it XX/XX/XXXX and yet I still have n't received anything in the mail about the bill with any information and where it came from.
|
| 08/09/2022 |
Yes |
- Debt collection
- I do not know
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
I declare under penalty of perjury ( under the laws of the United States, if executed outside of the United States ) that the foregoing is true and correct to the best of my knowledge. Further, I certify that I am permitted by FEDERAL and STATE LAW to file this dispute. I also understand that knowing and willful misstatements or omissions of material facts constitutes a FEDERAL CRIMINAL VIOLATION punishable under 18 U.S.C. 1001. Additionally, these misstatements are punishable as perjury under 18 U.S.C. 1621. This item found within my credit report is not related to any transaction that I made. I am alleging that a person or company- without my authorization- used my personal identifying information to apply for goods, services, or money ; and was successful in creating this account. This debt collector is in violation for putting this unknown account on my credit report. This has caused me to suffer and its defamation of my character.
|
| 01/12/2021 |
Yes |
- Debt collection
- Other debt
|
- False statements or representation
- Attempted to collect wrong amount
|
|
Web |
|
|
XX/XX/XXXX enrolled at Indiana University XX/XX/XXXX left Indiana University for financial reasons and they forgave most of the semester tuition except {$4200.00} I paid it down to {$3600.00} in XXXX and had to stop for financial reasons.
Was placed with a collection agency Recovery Management Services XXXX XX/XX/XXXX paid {$3600.00} toward the {$3600.00} outstanding obligation to IU but was told I owed another {$1500.00} in collection fees?
XX/XX/XXXX inquired about the fees and requested a statement from IU and discovered they only paid IU {$2500.00} and not what was owed and have a seperate line item for collection fees of {$460.00}. I inquired with them why they only applied {$2500.00} and not what I had paid and they said it doesn't matter what the statement said, I owe the {$1500.00}. I offered to pay the {$460.00} and they said I would still owe the balance ... i refused help..these collection agencies are criminal
|
| 11/30/2022 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Improper use of your report
- Reporting company used your report improperly
|
|
Web |
|
|
i requested the contract between RMS And i but yet i received my tuition bill which should be private due to it having my personal information on it. it also came back verified even when i asked them to conduct a proper investigation which was never conducted nor provided to me as requested. I do not have any business contract with RMS nor have I given RMS and XXXX university the permission to share such PRIVATE information nor did I receive any notice about there being a possibility of my PRIVATE information to be given out to strangers. they also mentioned they sent me mail to an address that i do not reside in since 2015 and a missouri address in which i don't reside in, which shows that i've never had any contact with this RMS company before because if i did they would have an updated current address. i demand them not to contact me on matters not contracted by RMS anymore and remove this account from my report.
|
| 08/29/2017 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt was already discharged in bankruptcy and is no longer owed
|
|
Web |
|
|
I was contacted via phone on or around XX/XX/XXXX by XXXX XXXX from RMS about a debt that was discharged in a bankruptcy. I advised her that this debt was discharged and provided her my bankruptcy information as well as my new address and last name. 1 week later on XX/XX/XXXXI received a letter from her continuing to try to collect this debt. I called her and advised her again that this debt was discharged in a chapter 7 bankruptcy and that she was breaking the law by continuing to harass me about this discharged debt. I also faxed her a copy of my discharge paperwork on XX/XX/XXXX. On XX/XX/XXXX I received another letter advising me of the enclosed information I had requested. I NEVER requested any information, only that they stop harassing me. This debt was discharged in XX/XX/XXXX. I am very upset about the continual harrasment and want this company fined.
|
| 10/24/2022 |
Yes |
- Debt collection
- Other debt
|
- Written notification about debt
- Didn't receive enough information to verify debt
|
|
Web |
|
|
I received a notice to pay an alleged debt by XX/XX/2022 from RMS , IncXXXX on XX/XX/2022 I sent a certified letter ( XXXX XXXX ) asking RMS, Inc. to validate alleged debt made pursuant to 15 USC 1692g sec. 809 ( b ). I asked the alleged creditor 1. Have they sold this alleged debt?
2. to whom is this debt sold to and for how much was this debt sold?
3. Are the alleged creditors still in the process of collecting this debt?
On XX/XX/2022 Recovery Management services , Inc. ( RMS ) sent me a pile of statements from an alleged creditor or whomever in which RMS is being deceptive and creating a false belief in me as an consumer that the alleged " creditor '' was attempting to collect, which is not true.
Pursuant to 15 USC 1692j ( b ), any person who violates this section shall be liable to the extent under 15 USC XXXX {$1000.00} ( XXXX XXXX USD )
|
| 09/04/2018 |
Yes |
- Debt collection
- I do not know
|
- Took or threatened to take negative or legal action
- Threatened or suggested your credit would be damaged
|
|
Web |
|
|
To whom it may concern, On XX/XX/XXXX a company out of XXXX Illinois reported a collection/chargoff notice on my credit report for the amount of {$19000.00}, with a listed account number ending in XXXX. This debt is listed as originating in XXXX, 11 years ago. This is not a valid debt as I have never been responsible for this debt or its repayment. This is an attempt to sabotage my credit in order to intimidate me to pay back a debt that I have never signed for and am not responsible for. Please help me remove this fraudulent attempt to smear my credit. I am happy to answer any questions you may have and I appreciate any assistance you can provide me.
This collection company is unable to provide any signed documentation that proves I am responsible for this debt as I never signed any type of agreement associated with it.
Thank you, XXXX XXXX XXXX
|
| 08/30/2017 |
Yes |
- Debt collection
- Credit card debt
|
- Took or threatened to take negative or legal action
- Threatened to sue you for very old debt
|
|
Web |
Servicemember |
|
On XX/XX/2017 I got a call from Recovery Management from a masked number which was XXXX informing me or legal counsel to call XXXX with a case number of XXXX. Persons name was XXXX XXXX and when the Manager came on he demanded XXXX dollars on my debit card to hold my settlement amount of {$700.00} from a old XXXX debt. He threatened me with court action without letting me talk and hung up.
I told them I settle for the {$700.00} but did n't have any money. I even said I 'll pay the {$50.00} to hold my settlement but as a one time payment not as a recurring payment. The manager said NO and said " we 'll see you in court '' and promptly hung up without letting me talk.
On XX/XX/2017 they called several of my family members who have no connection to my financial situation. They called my brother and cousin and leaving them a voicemail with my name.
|
| 01/14/2019 |
Yes |
- Debt collection
- Private student loan debt
|
- False statements or representation
- Attempted to collect wrong amount
|
|
Web |
|
|
I received a call from RMS Recovery Management Services on Thursday XXXX XXXX. The female who called said I had to pay at least {$50.00} a month on the account. I had previously advised them that I could only pay {$20.00} a month. She refused to re-set up direct withdrawl monthly unless it was {$50.00} a month and would not help any further. I tried to set up the automatic monthly payments online, Again, it would only allow me to do so with a monthly payment of {$50.00} a month. Sounds like to me that she gets a commision if {$50.00} a month is paid, not {$20.00}.
The reason it went to collections from XXXX XXXX was that, I could not afford the {$50.00} a month. If I could, then it would not have gone to collections. It was supposed to be taken care of by a student loan but I dropped classes and did not realize that would happen.
|
| 07/15/2020 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
I was made aware of an account in collections with Recovery Management Serv on behalf of XXXX University in the amount of {$3400.00}. I have not been contacted by the agency since this debt was listed on my credit report on XX/XX/XXXX.
This debt appears to relate to an issue from XXXX where I was corresponding with XXXX XXXX and XXXX XXXX from XXXX University. The charges were for coursework that was not taken and dropped prior to the start of class which should have resulted in a full refund.
XXXX XXXX originally advised that this account was in collections with XXXX XXXX, as shown on my credit report at the time. However, when it was removed and marked closed I considered the matter resolved.
I am unsure of who Recovery Management Serv is and/or how to dispute this debt that has now been on my credit report for 4 months.
|
| 02/05/2019 |
Yes |
- Debt collection
- Private student loan debt
|
- Attempts to collect debt not owed
- Debt was paid
|
|
Web |
Servicemember |
|
RMS has contacted me about 2 student loan debts from XXXX XXXX XXXX XXXX. One in the amount of {$6000.00} and the other around {$5000.00} ( estimating amounts ). I have attempted to call them to dispute and wrote a letter stating DO NOT contact me further about this debt as I was in a BNK CH XXXX in XX/XX/XXXX-XX/XX/XXXX and this debt was paid in full. I continue to get notifications from the collectors each year about this loan whereby once I contact them and let them know I was in BNK and the law states do not contact me they cease and decease. RMS continues to try unlawful tactics to collect on this erroneous debt. My BNK was successfully paid off and all creditors should have received notification from the US Federal Court in Texas. I wish for them to not contact me or try to collect on this erroneous debt. Thank you!
|
| 05/19/2022 |
Yes |
- Debt collection
- I do not know
|
- Communication tactics
- You told them to stop contacting you, but they keep trying
|
|
Web |
|
|
This debt collector has obtained my private, personal information illegally. I have tried to fix this problem with the XXXX XXXX XXXX but the collection agency stopped responding. I have had numerous individuals under this debt collection agency contact me outside the hours of XXXX and XXXX, they have harassed me, they have berated me, threatened to take illegal action against me if I didn't answer the phone or if I didn't pay. My information was illegally sold to them by another agency. I am being harassed and my life, safety, and well being is being threatened. I have asked them to stop calling on multiple recorded lines and they keep calling and harassing me. I have multiple recorded phone calls of asking them to stop contacting me. My desired outcome is for this account to be void and deleted. This is not legal.
|
| 12/13/2022 |
Yes |
- Debt collection
- Private student loan debt
|
- False statements or representation
- Attempted to collect wrong amount
|
|
Web |
Servicemember |
|
I have asked XXXX XXXX XXXX XXXX to explain the debt owed and they stated that XXXX University was adding a XXXX XXXX debt collection fee to my account. I then contacted XXXX XXXX and they stated the debt collection agency was adding the debt. When I went back to the debt collection agency, they continued to deny adding the collection fee. They specifically stated on a recorded phone conversation that they did not add the fees and XXXX XXXX added the fees. After speaking with XXXX several times, they stated this is false.
My complaint is that the debt collection agency is falsely stating they did not add a fee to my debt from XXXX XXXX.
This is fair collections practice.
I have also asked the company for the referred contract to validate the debt, with no response.
|
| 01/07/2016 |
Yes |
- Debt collection
- Other (i.e. phone, health club, etc.)
|
- Disclosure verification of debt
- Not disclosed as an attempt to collect
|
|
Web |
|
|
My name is XXXX XXXX XXXX, I am currently attempting to ensure that my credit report has accurate information. I have contacted Recovery Management Services and asked for documentation of this debt. I was told by Representative, XXXX XXXX that if I wanted documentation I would have to dispute it with the credit bureau and that they would respond to them. He stated that it should not be on my credit report, but refused to give me documentation. I attempted to explain to XXXX XXXX that as a consumer I have a right to ask for documentation. He became irritated stating that I was listening and hung up on me. When dealing with the Credit bureau it is always best to have documentation to ensure that the correct information is shared.
|
| 01/26/2023 |
Yes |
- Debt collection
- Private student loan debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
XX/XX/2022 - XX/XX/2022 ( is still going on to this day ) XXXX XXXX XXXX XXXX XXXX broke my accommodations, made me do an extra XXXX weeks of work, went against my consent when withdrawing and put it as temporary. I was allowed one accommodation XXXX weeks later which allowed me to get a XXXX-. I can not transfer this in a XXXX XXXX This is ridiculous. Then they tried to resign me up for a course and threaten collections. There was something wrong with the instructions for this course and it affected my educational opportunities. The teacher retaliated and now RMS collects is attempting to collect the bill from me. claim were put out to human rights, civil rights, and professional services. The school is a diploma mill.
|
| 12/09/2021 |
Yes |
- Debt collection
- Federal student loan debt
|
- Attempts to collect debt not owed
- Debt was already discharged in bankruptcy and is no longer owed
|
|
Web |
Servicemember |
|
I received this attachment notice of owing fees in the amount of {$5900.00} to XXXX XXXXXXXX University. I discussed with a rep from XXXX over a year ago this with a veteran liaison this debt is false reporting collections. Now this has resurface under a recovery management service. I am a XXXX veteran and my school loans and debt has been approved and removed under the Permanent Disability Discharge Act as of XX/XX/2021. I have not received any services from XXXX and have reported this several times. During the time I was requesting services I never received any items in time of need for courses and reached out and no one responded in a timely manner.
|
| 10/27/2015 |
Yes |
- Debt collection
- I do not know
|
- Disclosure verification of debt
- Not given enough info to verify debt
|
|
Web |
|
|
I was contacted via telephone XXXX of Recovery Management Services that I was in debt {$4900.00}. I disputed the amount and wrote a letter to the company asking for verification and sent it Certified Return Reciept Requested on XXXX XXXX, 2015. I wrote another letter asking them to cease and desist further attempts to contact me which was sent same method on same day. I got my return reciept back with signature XXXX as recipient on XXXX XXXX, 2015. I am still receiving calls which I let ring and I got a notice in the mail that they are now willing to negotaite to settle but still have not proved I owe the amount they are trying to collect.
|
| 05/13/2021 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Problem with a credit reporting company's investigation into an existing problem
- Investigation took more than 30 days
|
|
Web |
Servicemember |
|
I reveiwed a current copy my credit report and show that an alleged collection to whom I have no knowledge is listed. I also reviewed alleged collection is shown as a charge of with a reporting open balance of {$1400.00} to which by law of FDCPA is a direct violation. XXXX are details of alleged collection item for review.
creditor : RMS-RECOVERY MANAGEMEN ( Original Creditor : XXXX XXXX MISSOURI ) Account Number : XXXX Also, this account also is listed with a hospital to whom I have no knowledge of given anyone permissable purpose to review any medical documents if any under federal law of HIPPA XXXX Please delete account.
|
| 01/26/2023 |
Yes |
- Debt collection
- Private student loan debt
|
- False statements or representation
- Impersonated attorney, law enforcement, or government official
|
|
Web |
|
|
account number # XXXX I do not give your company permission to share, sell, release, buy or report information derived from my consumer profile and that was derived from your data files within your systems. Reporting to affiliates or any XXXX-party affiliates ( XXXX, XXXX, XXXX ) violates my privacy. The information you are furnishing to CRA 's is inaccurate and incomplete. I am a consumer who has been the victim of fraud. I have a fraud alert on my credit profile that was ignored by your company to issue credit. I did not give XXXX XXXX XXXX XXXX New York Permission to sell, share, release any of my consumer credit profile.
|
| 06/18/2022 |
Yes |
- Debt collection
- Credit card debt
|
- Attempts to collect debt not owed
- Debt was result of identity theft
|
|
Web |
|
|
This complaint is regarding account information below that has not been investigated and no information given. Its been over 2 months with no information given to me regarding these accounts. I have no knowledge of these companies and they shouldnt be reporting as I never gave permission for the reporting per Section 1681a -I sent correspondence to the Credit Bureaus regarding this. I was never notified in writing per 15 U.S.C 1692ag prior to accounts being on my credit report, within 5 days. Moreover, these accounts violate debt collections, abusive and unfair practices per section 1692f ( 1 ) adding additional amounts.
|
| 04/26/2018 |
Yes |
- Debt collection
- I do not know
|
- Threatened to contact someone or share information improperly
- Contacted you after you asked them to stop
|
|
Web |
|
|
I have been contacted at my work by this company RMS, they are a debt collector trying to collect a debt for XXXX XXXX XXXX XXXX XXXX. XXXX. They said that a settlement has been approved and that if I pay them XXXX the remainder will be waived.
I contacted the school and asked about this company and they have no information on it. This company 'RMS ' has now contacted me three times at work after I asked them to not contact me. I have no idea how they got information on where I work and neither does XXXX XXXX XXXX XXXX XXXX. XXXX XXXX XXXX had no information on my job location. I feel harassed at this point.
|
| 07/19/2016 |
Yes |
- Student loan
- Non-federal student loan
|
- Dealing with my lender or servicer
- Need information about my balance/terms
|
|
Web |
|
|
I filed for bankruptcy 3-4 years ago, which I was recently discharged from. However, during that time they tried to contact me. I directed them to my attorney but then they decided to harass my aunt, who is my co-signer. She 's been receiving vicious calls about putting a lien on her house, garnishing her and my bank account. They never call me or send me letters, they always send them to her and they keep adding interest to my debt, which it was agreed during my XXXX-XXXX chart XXXX period, interest would not increase. My debt was supposed to be down to {$85000.00}, well now they say it 's over {$100000.00}.
|
| 10/21/2021 |
Yes |
- Debt collection
- I do not know
|
- Attempts to collect debt not owed
- Debt was result of identity theft
|
|
Web |
|
|
I am XXXX XXXX XXXX and I am submitting this complaint myself and there is no third party involved. This account is inaccurately and erroneously reporting. Their intentional and willful furnishing of inaccurate information is a violation of FCRA Section 623 and according to FCRA Section 611. I have done many attempts to reach out to XXXX Credit Bureau but they failed to give me any results or feedbacks about this concern. Please investigate and remove it from my personal credit file. Thank you.
RECOVERY MANAGEMENT SERVICE***** ( Original Creditor Name XXXX XXXX XXXX ) Opened XX/XX/2020 Balance {$2700.00}
|
| 05/05/2017 |
Yes |
- Debt collection
- I do not know
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
RMS Recovery Management Systems h as repeatedly called our home number attempting to contact an individual whom we do not know. We have now told them multiple times that the individual the are seeking does not live at our house, nor do we know the individual, yet they keep calling our house and harassing us on at least a weekly basis. I am not certain of the debt they are trying to collect as we do n't have many loans as a family. I will not answer their calls any longer as I feel threatened by this company and need their calls to stop. What can I do to have them stop calling us.
|
| 11/15/2021 |
Yes |
- Student loan
- Federal student loan servicing
|
- Problem with a credit reporting company's investigation into an existing problem
- Their investigation did not fix an error on your report
|
|
Web |
|
|
My name is XXXX XXXX XXXX, and I am sending this request myself to address the inaccuracies on my Credit Reports. The 3 Credit Bureaus are reporting inaccurate information on RMS-RECOVERY MANAGEMEN ( Original creditor : XXXX XXXX UNIVERSITY ) ; this is in violation of the FDICs Uniform Credit Retail Credit Classification and Account Management Policy. Per FCRA, reporting must be 100 % accurate or the information must be deleted. Evaluate this reporting by making a revision of the information provided. Modify and perform any corrections or withdraw this from my personal file.
|
| 09/25/2021 |
Yes |
- Debt collection
- Other debt
|
- Communication tactics
- Frequent or repeated calls
|
|
Web |
|
|
Received a call in XX/XX/XXXX about payment of a {$1500.00} debt apparently owed to XXXX.
I told them I have never attended XXXX and to stop falsely pressurizing me to pay debts I don't owe.
3-4 weeks later received a letter from RMS - Recovery Management Services Inc. from XXXX Illinois to my address in XXXX, Massachusetts saying I owe XXXX {$1500.00} which they apparently billed to me in XXXX XXXX, XXXX of XXXX, XXXX in XX/XX/XXXX ( nearly 3 yrs ago!? ) I have never attended any course online or on the ground at XXXX so this is a totally false charge levied on me.
|
| 07/02/2021 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Problem with a credit reporting company's investigation into an existing problem
- Investigation took more than 30 days
|
|
Web |
Servicemember |
|
I reviewed a current copy of my credit report and show inaccurate or incomplete information listed. the creditor Recovery Management Services ( XXXX XXXX XXXX Missouri ) alleged balance amount {$1400.00}. I attempted to contact credit and send a wirtten certified document and has not been repiled to over 30 days. I show this alleged account is fuardlent and I never attended any such school or have and alleged debt with Recovery Management Services. There has been on proof of verification and this is a direct viloation of FDCPA. Please deleted account
|
| 02/25/2018 |
Yes |
- Debt collection
- Private student loan debt
|
- Written notification about debt
- Didn't receive notice of right to dispute
|
|
Web |
|
|
I've been receiving phone calls from Recovery Management Services Inc. Since XX/XX/XXXX. On XX/XX/XXXX I sent a Debt Validation letter to Recovery Management Services requesting that they send me validation of this debt and proof that they are licensed to collect in my state. They did send me validation of the debt, but no proof of licensing in the state of Michigan. After searching on my state licensing and regulations website Recovey Management Sevices Inc. did not come up. They are not licensed to collect in my state.
|
| 08/19/2019 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt was paid
|
|
Web |
|
|
I paid XXXX per month and the debt was fully paid off. I received threatening phone calls two months after my last payment telling me that I owed another XXXX. The debt is still showing up on my credit report showing that I owe them money. I want the debt removed from credit immediately to accurately reflect my true credit history. The first RMS-Recovery Management was very rude and disrespectful. The second representative state it was an accounting error on their end and my debt was paid in full.
|
| 12/23/2019 |
Yes |
- Debt collection
- Federal student loan debt
|
- Took or threatened to take negative or legal action
- Threatened or suggested your credit would be damaged
|
|
Web |
|
|
The company I am reporting is Recovery Management Services. The company is stating that I took out loans through XXXX University XXXX. This school was closed due to unfair and illegal business practices by the United States Government. I sent documentation to the creditor stating that all of my loans are through the Dept Of Education. Recovery Management Services has stated that they will continue to " damage my credit '' and " ignore all correspondence relating to this matter ''.
|
| 05/12/2017 |
Yes |
- Debt collection
- Federal student loan debt
|
- Communication tactics
- You told them to stop contacting you, but they keep trying
|
|
Web |
|
|
On XXXX XXXX XXXX , I notifie d RMS Recovery Management Services , Inc. in writing that I was unaware of the debt they claimed I owe from over 20 years ago, requested validation of my debt to RMS and no tified them to cease and desist all communications in attempt to collect this debt. This included phone calls to third parties. On XXXX XXXX XXXX , XXXX XXXX of RMS called both my number and my employer, which has caused damage to my employment.
|
| 07/22/2022 |
Yes |
- Debt collection
- Private student loan debt
|
- Communication tactics
- Frequent or repeated calls
|
|
Web |
|
|
RMS repeatedly calls my work phone and cell phone incessantly. XXXX XXXX is the date of the last phone call I received. I explained that this debt is not valid. I dropped my course with XXXX prior to the drop date deadline. I do not owe XXXX anything. The woman on the phone told me that she was going to call XXXX and tell them that I am refusing to pay the debt and threatened to damage my credit further if I refuse to pay RMS {$2500.00}.
|
| 04/10/2019 |
No |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Problem with a credit reporting company's investigation into an existing problem
- Their investigation did not fix an error on your report
|
|
Web |
|
|
I am writing because there is a collection reporting on my credit report that is not a valid collection. I have disputed this account with the credit bureaus and I have sent them a debt validation request. Their responses were not adequate. I do not believe that these debts are valid. I am requesting that they submit requests to remove this collection account from my credit report as I do not owe any monies.
|
| 03/02/2019 |
Yes |
- Debt collection
- Federal student loan debt
|
- Threatened to contact someone or share information improperly
- Contacted your employer
|
|
Web |
|
|
They continue harassing my employer after my employer and myself have told them to stop calling there private cell phone number. I also told them to stop calling my cell phone during my work hours that I would look into the debt which I told them was already paid. I told them I had to get proof from the United States Treasury Department which took it out of my tax return in XX/XX/XXXX or XX/XX/XXXX.
|
| 06/10/2022 |
Yes |
- Debt collection
- I do not know
|
- Communication tactics
- You told them to stop contacting you, but they keep trying
|
|
Web |
Older American, Servicemember |
|
Recovery Management Solutions continously calls and violates FTC guidelines by not identifying themselves as a debt collector PRIOR to asking me to identify myself.
RMS continues to call and ignore my request to to cease and desist calling.
RMS has ignored my dispute of any debt included in my XXXX XXXX bankruptcy filed in XX/XX/2016.
|
| 07/05/2018 |
Yes |
- Debt collection
- I do not know
|
- Communication tactics
- Frequent or repeated calls
|
|
Web |
|
|
I get a call from XXXX all the time. If I answer, theres nobody there. If I dont answer, they dont leave a message. I did find out its from some company called RMS. Some debt collector I guess. Ive been in chapter XXXX for a couple years now. Id love to get them in hot water! Theyre not allowed to try and collect any debt from me!
|
| 12/06/2016 |
Yes |
- Debt collection
- Non-federal student loan
|
- Cont'd attempts collect debt not owed
- Debt is not mine
|
|
Web |
|
|
I was in a XXXX accident in 2011 i was not able to attend the XXXX semester at my college. The school is trying to charge me {$22.00}, XXXX for the semester. I submitted all documents needed to support my claim. School denied medical necessity although they had a dr XXXX not stating the reasons i was unable to attend
|
| 11/26/2022 |
Yes |
- Debt collection
- Private student loan debt
|
- Took or threatened to take negative or legal action
- Threatened or suggested your credit would be damaged
|
|
Web |
|
|
RMS ( Recovery Management Services , Inc. ) XXXX XXXX XXXX XXXX, IL XXXX To whom it may concern, I wish to request a substantiation and validation of debt. RMS is using false, deceptive, and misleading representation in connection with collection of this alleged debt. I dispute this inaccurate alleged debt from RMS.
|
| 09/05/2020 |
Yes |
- Debt collection
- Private student loan debt
|
- Written notification about debt
- Didn't receive notice of right to dispute
|
|
Web |
Servicemember |
|
On XX/XX/XXXX, I sent a certified Dispute letter to RMS RECOVERY MANAGEMENT. It has been more than 30 days and I have yet to get a response from this collection company. I was under the impression that collection agencies had to respond within a certain amount of time or the debt would have to be removed.
|
| 01/07/2020 |
Yes |
- Debt collection
- Private student loan debt
|
- Communication tactics
- Frequent or repeated calls
|
|
Web |
|
|
Someone from RMS continually calls my work. They ask that I be pulled from meetings and from religious services. They harass and give a hard time to our receptionist and office manager. They have called daily for almost a month. I asked them to stop and they refuse. I do not believe I owe this debt.
|
| 07/04/2015 |
Yes |
- Debt collection
- Non-federal student loan
|
- Cont'd attempts collect debt not owed
- Debt is not mine
|
|
Web |
Servicemember |
|
During the last school term of 2014, I was tasked with the care of a XXXX relative. I was already enrolled in classes and was utilizing a tuition deferrment program with my University. I withdrew from courses to care for my relative and this debt has since been sold to a debt collector.
|
| 05/13/2015 |
Yes |
- Debt collection
- I do not know
|
- Cont'd attempts collect debt not owed
- Debt was paid
|
|
Web |
Servicemember |
|
I am receiving demands to pay a debt to a collections agency from a For-Profit College. I have student loans that should have covered this cost. I do not understand why this debt is on my credit record. I am not disputing my student loan claims. Why do I have this extra cost?
|
| 08/08/2015 |
Yes |
- Debt collection
- Non-federal student loan
|
- Cont'd attempts collect debt not owed
- Debt was paid
|
|
Web |
|
|
I just spoke with Recovery Management Services and inform them that XXXX University Online did receive the full payment of {$2000.00} as of XXXX XXXX, 2015 with debit / credit. They are going to check with their accounting department and follow up with you with the payment
|
| 07/15/2015 |
Yes |
- Debt collection
- Non-federal student loan
|
- Cont'd attempts collect debt not owed
- Debt was paid
|
|
Web |
|
|
I just spoke with Recovery Management Services and inform them that XXXX University XXXX did receive the full payment of {$2000.00} as of XXXX XXXX, 2015 with debit / credit. They are going to check with their accounting department and follow up with you with the payment
|
| 04/04/2018 |
Yes |
- Debt collection
- I do not know
|
- Communication tactics
- Frequent or repeated calls
|
|
Web |
|
|
I'm receiving repeated calls from this collection agency on my work and cell phone the calls started lasted month but, on today I received a total of four calls back to back.
|
| 09/04/2023 |
Yes |
- Credit reporting or other personal consumer reports
- Credit reporting
|
- Credit monitoring or identity theft protection services
- Problem canceling credit monitoring or identify theft protection service
|
|
Web |
|
|
Potential fraud n identity theft from university, while using these loans n me never being enrolled, but the XXXX semester of XXXX, and Thats all. Wow. Pls look.
|
| 04/24/2023 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
XX/XX/22 a collection was put on my credit report that is not mine from Recovery Management Serv. Please remove it.
|
| 08/27/2023 |
Yes |
- Debt collection
- I do not know
|
- Written notification about debt
- Didn't receive notice of right to dispute
|
|
Web |
|
|
Pls see attachments! Evidence! More evidence! Plsagainst XXXX XXXX XXXX XXXX Discriminating college!
|
| 08/27/2020 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Account information incorrect
|
|
Web |
|
|
Please describe this debt to me as I am not familiar with this.
|
| 12/21/2023 |
Yes |
- Credit reporting or other personal consumer reports
- Credit reporting
|
- Improper use of your report
- Reporting company used your report improperly
|
|
Web |
|
|
|
| 06/24/2023 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
|
| 02/24/2023 |
Yes |
- Debt collection
- I do not know
|
- Written notification about debt
- Didn't receive enough information to verify debt
|
|
Phone |
|
|
|
| 01/28/2023 |
Yes |
- Debt collection
- I do not know
|
- Communication tactics
- You told them to stop contacting you, but they keep trying
|
|
Web |
Servicemember |
|
|
| 12/15/2022 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Information belongs to someone else
|
|
Web |
|
|
|
| 11/09/2022 |
Yes |
- Debt collection
- Federal student loan debt
|
- Attempts to collect debt not owed
- Debt was paid
|
|
Phone |
|
|
|
| 11/05/2022 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Improper use of your report
- Reporting company used your report improperly
|
|
Web |
|
|
|
| 08/09/2022 |
Yes |
- Debt collection
- Other debt
|
- False statements or representation
- Attempted to collect wrong amount
|
|
Web |
|
|
|
| 06/06/2022 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Account status incorrect
|
|
Web |
|
|
|
| 05/25/2022 |
Yes |
- Debt collection
- Private student loan debt
|
- Took or threatened to take negative or legal action
- Threatened or suggested your credit would be damaged
|
|
Web |
|
|
|
| 02/11/2022 |
Yes |
- Debt collection
- Other debt
|
- Communication tactics
- Frequent or repeated calls
|
|
Web |
|
|
|
| 11/24/2021 |
Yes |
- Debt collection
- I do not know
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
|
| 09/21/2021 |
Yes |
- Debt collection
- Other debt
|
- Took or threatened to take negative or legal action
- Threatened or suggested your credit would be damaged
|
|
Web |
Servicemember |
|
|
| 09/20/2021 |
Yes |
- Debt collection
- I do not know
|
- Attempts to collect debt not owed
- Debt was paid
|
|
Web |
|
|
|
| 09/13/2021 |
Yes |
- Debt collection
- Private student loan debt
|
- False statements or representation
- Attempted to collect wrong amount
|
|
Web |
|
|
|
| 08/16/2021 |
Yes |
- Debt collection
- I do not know
|
- Threatened to contact someone or share information improperly
- Talked to a third-party about your debt
|
|
Web |
Servicemember |
|
|
| 07/28/2021 |
Yes |
- Debt collection
- Credit card debt
|
- Written notification about debt
- Didn't receive enough information to verify debt
|
|
Web |
|
|
|
| 07/02/2021 |
Yes |
- Debt collection
- I do not know
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
|
| 05/19/2021 |
Yes |
- Debt collection
- I do not know
|
- False statements or representation
- Attempted to collect wrong amount
|
|
Web |
|
|
|
| 04/01/2021 |
Yes |
- Debt collection
- Other debt
|
- False statements or representation
- Attempted to collect wrong amount
|
|
Web |
Servicemember |
|
|
| 01/08/2021 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Information belongs to someone else
|
|
Web |
|
|
|
| 11/27/2020 |
Yes |
- Debt collection
- Private student loan debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
|
| 10/14/2020 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
|
| 06/04/2020 |
Yes |
- Debt collection
- Private student loan debt
|
- Communication tactics
- You told them to stop contacting you, but they keep trying
|
|
Web |
|
|
|
| 02/03/2020 |
Yes |
- Student loan
- Private student loan
|
- Dealing with your lender or servicer
- Keep getting calls about your loan
|
|
Web |
|
|
|
| 11/11/2019 |
Yes |
- Debt collection
- Private student loan debt
|
- Threatened to contact someone or share information improperly
- Talked to a third-party about your debt
|
|
Web |
Servicemember |
|
|
| 08/21/2019 |
Yes |
- Debt collection
- Other debt
|
- Took or threatened to take negative or legal action
- Threatened or suggested your credit would be damaged
|
|
Web |
Servicemember |
|
|
| 07/27/2019 |
Yes |
- Debt collection
- I do not know
|
- Threatened to contact someone or share information improperly
- Contacted your employer
|
|
Web |
|
|
|
| 07/13/2019 |
Yes |
- Student loan
- Federal student loan servicing
|
- Dealing with your lender or servicer
- Received bad information about your loan
|
|
Web |
|
|
|
| 02/26/2019 |
Yes |
- Debt collection
- I do not know
|
- Written notification about debt
- Didn't receive enough information to verify debt
|
|
Referral |
|
|
|
| 11/23/2018 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt was result of identity theft
|
|
Web |
|
|
|
| 11/01/2018 |
Yes |
- Debt collection
- Other debt
|
- Written notification about debt
- Didn't receive enough information to verify debt
|
|
Postal mail |
|
|
|
| 10/15/2018 |
Yes |
- Debt collection
- Federal student loan debt
|
- Communication tactics
- You told them to stop contacting you, but they keep trying
|
|
Web |
|
|
|
| 10/11/2018 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
|
| 10/06/2018 |
Yes |
- Debt collection
- Federal student loan debt
|
- Written notification about debt
- Didn't receive notice of right to dispute
|
|
Web |
|
|
|
| 09/26/2018 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Problem with a credit reporting company's investigation into an existing problem
- Their investigation did not fix an error on your report
|
|
Web |
|
|
|
| 09/20/2018 |
Yes |
- Debt collection
- Payday loan debt
|
- Took or threatened to take negative or legal action
- Seized or attempted to seize your property
|
|
Web |
|
|
|
| 06/22/2018 |
Yes |
- Debt collection
- Private student loan debt
|
- Communication tactics
- You told them to stop contacting you, but they keep trying
|
|
Web |
|
|
|
| 05/31/2018 |
Yes |
- Debt collection
- Private student loan debt
|
- Attempts to collect debt not owed
- Debt was result of identity theft
|
|
Web |
Servicemember |
|
|
| 05/23/2018 |
Yes |
- Debt collection
- Private student loan debt
|
- Communication tactics
- Frequent or repeated calls
|
|
Web |
|
|
|
| 02/15/2018 |
Yes |
- Debt collection
- Private student loan debt
|
- Written notification about debt
- Didn't receive enough information to verify debt
|
|
Postal mail |
|
|
|
| 12/27/2017 |
Yes |
- Debt collection
- Private student loan debt
|
- Communication tactics
- You told them to stop contacting you, but they keep trying
|
|
Web |
|
|
|
| 10/20/2017 |
Yes |
- Student loan
- Private student loan
|
- Struggling to repay your loan
- Can't get other flexible options for repaying your loan
|
|
Web |
|
|
|
| 07/17/2017 |
Yes |
- Debt collection
- Other debt
|
- Communication tactics
- Used obscene, profane, or other abusive language
|
|
Web |
|
|
|
| 03/10/2017 |
Yes |
- Debt collection
- Other (i.e. phone, health club, etc.)
|
- Communication tactics
- Used obscene/profane/abusive language
|
|
Web |
|
|
|
| 01/05/2017 |
Yes |
- Student loan
- Non-federal student loan
|
- Dealing with my lender or servicer
- Don't agree with fees charged
|
|
Web |
|
|
|
| 01/04/2017 |
Yes |
- Debt collection
- Other (i.e. phone, health club, etc.)
|
- Disclosure verification of debt
- Not given enough info to verify debt
|
|
Web |
|
|
|
| 11/30/2016 |
Yes |
- Debt collection
- Federal student loan
|
- Communication tactics
- Threatened to take legal action
|
|
Web |
|
|
|
| 08/12/2016 |
Yes |
- Debt collection
- Other (i.e. phone, health club, etc.)
|
- Improper contact or sharing of info
- Contacted employer after asked not to
|
|
Web |
|
|
|
| 05/13/2016 |
Yes |
|
- Cont'd attempts collect debt not owed
- Debt was paid
|
|
Web |
Older American |
|
|
| 05/09/2016 |
Yes |
- Debt collection
- Other (i.e. phone, health club, etc.)
|
- Cont'd attempts collect debt not owed
- Debt is not mine
|
|
Web |
|
|
|
| 05/03/2016 |
Yes |
- Debt collection
- Other (i.e. phone, health club, etc.)
|
- Disclosure verification of debt
- Not given enough info to verify debt
|
|
Postal mail |
|
|
|
| 03/08/2016 |
Yes |
- Student loan
- Federal student loan servicing
|
- Can't repay my loan
- Can't temporarily postpone payments
|
|
Web |
|
|
|
| 12/30/2015 |
Yes |
- Debt collection
- Other (i.e. phone, health club, etc.)
|
- Improper contact or sharing of info
- Talked to a third party about my debt
|
|
Web |
Servicemember |
|
|
| 11/30/2015 |
Yes |
- Debt collection
- Other (i.e. phone, health club, etc.)
|
- Disclosure verification of debt
- Not given enough info to verify debt
|
|
Web |
Servicemember |
|
|
| 10/19/2015 |
Yes |
- Debt collection
- Non-federal student loan
|
- Communication tactics
- Frequent or repeated calls
|
|
Web |
Servicemember |
|
|
| 09/30/2015 |
Yes |
- Debt collection
- Other (i.e. phone, health club, etc.)
|
- Cont'd attempts collect debt not owed
- Debt is not mine
|
|
Web |
|
|
|
| 09/18/2015 |
Yes |
- Debt collection
- I do not know
|
- Cont'd attempts collect debt not owed
- Debt is not mine
|
|
Web |
|
|
|
| 08/19/2015 |
Yes |
- Debt collection
- I do not know
|
- Improper contact or sharing of info
- Talked to a third party about my debt
|
|
Web |
|
|
|
| 07/21/2015 |
Yes |
- Debt collection
- Federal student loan
|
- False statements or representation
- Attempted to collect wrong amount
|
|
Phone |
Servicemember |
|
|
| 06/27/2015 |
Yes |
- Debt collection
- Federal student loan
|
- Disclosure verification of debt
- Not given enough info to verify debt
|
|
Web |
|
|
|
| 06/17/2015 |
Yes |
- Debt collection
- Non-federal student loan
|
- Communication tactics
- Frequent or repeated calls
|
|
Web |
|
|
|
| 05/12/2015 |
Yes |
|
- Disclosure verification of debt
- Not given enough info to verify debt
|
|
Web |
|
|
|
| 03/11/2015 |
Yes |
- Student loan
- Non-federal student loan
|
- Dealing with my lender or servicer
- Need information about my balance/terms
|
|
Web |
|
|
|
| 03/11/2015 |
Yes |
- Debt collection
- Other (i.e. phone, health club, etc.)
|
- Communication tactics
- Frequent or repeated calls
|
|
Web |
|
|
|
| 02/09/2015 |
Yes |
- Debt collection
- Other (i.e. phone, health club, etc.)
|
- Communication tactics
- Used obscene/profane/abusive language
|
|
Web |
Servicemember |
|
|
| 01/09/2015 |
Yes |
- Consumer Loan
- Installment loan
|
- Managing the loan or lease
|
|
Web |
Servicemember |
|
|
| 01/08/2015 |
Yes |
- Debt collection
- Non-federal student loan
|
- Improper contact or sharing of info
- Contacted employer after asked not to
|
|
Web |
|
|
|
| 12/08/2014 |
Yes |
- Debt collection
- Other (i.e. phone, health club, etc.)
|
- Improper contact or sharing of info
- Talked to a third party about my debt
|
|
Web |
|
|
|
| 09/03/2014 |
Yes |
- Debt collection
- Other (i.e. phone, health club, etc.)
|
- Communication tactics
- Frequent or repeated calls
|
|
Phone |
|
|
|
| 08/30/2014 |
Yes |
- Debt collection
- Federal student loan
|
- Improper contact or sharing of info
- Contacted me after I asked not to
|
|
Web |
|
|
|
| 08/30/2014 |
Yes |
- Debt collection
- Non-federal student loan
|
- Cont'd attempts collect debt not owed
- Debt was paid
|
|
Web |
|
|
|
| 06/05/2014 |
Yes |
- Debt collection
- I do not know
|
- Disclosure verification of debt
- Not given enough info to verify debt
|
|
Referral |
|
|
|
| 05/07/2014 |
Yes |
- Debt collection
- I do not know
|
- Disclosure verification of debt
- Not given enough info to verify debt
|
|
Phone |
|
|
|
| 04/15/2014 |
Yes |
- Debt collection
- Non-federal student loan
|
- Communication tactics
- Used obscene/profane/abusive language
|
|
Web |
|
|
|