| 10/02/2016 |
No |
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- Disclosure verification of debt
- Not given enough info to verify debt
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Web |
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Hello, I would like to issue a complaint regarding a claim from the agency , Road Runner Collection Services. XX/XX/XXXX, I purchased a vehicle, and when my credit check was ran XXXX outstanding balance from XXXX XXXX showed up. Nothing else was on the radar. Then in XX/XX/XXXX, I downloaded an app from XXXX XXXX, when I did this, I was notified that I had XXXX lines of credit that were past due. XXXX of those lines of credit were linked to Road Runner Collection Services. When the claim was brought to my attention I contacted Road Runner Collection Services regarding the debt they believed I owed. They insisted that they were collecting on a supposed five year old debt for XXXX XXXX XXXX. During our conversation the collection agency insisted they had given me a 30 day notice, which they had not. Following our conversation I received a letter in the mail ( on XX/XX/XXXX ) that offered a very rough outline for the debt they believe I owed. The statement history outlined a large interest sum of {$1500.00} for a {$2600.00} debt. The debt was outlined in XXXX amounts with the interest added to the end. However, NO timeline was included ; the " creditor '' history did not state when they had begun collecting interest, or when they had assumed the debt from XXXX. When I talked to the collection agency, they said that the large interest sum was a result of a 10 % interest rate, but no timeline was provided to prove how long they had been collecting interest. When I asked about payment plans, the person I talked to insisted that I could not make payments. She also said I had to pay the debt immediately, " borrow money from a bank, friend, or family member. '' Then she saw that I had a credit card, and began to demand that I, " just give them the credit card '' for them to charge. I tried to discuss other payment options to reduce interest, and was told that if I paid for the debt " in full '' as a lump sum, they would remove the debt from my credit score. They also said that if I paid for the debt ( without interest ) by charging it to a credit card, they would accept that, but the debt would remain listed on my credit score. When I asked for a copy of validation, regarding my debt with XXXX, I was sent a copy of XXXX transactions that state a remaining balance. However, upon receiving the collection claim, I reached out to XXXX to investigate the validity of the claims. I was provided with a thorough account for the services I received in XX/XX/XXXX-XX/XX/XXXX. According to records, regarding my payment transaction history with XXXX, my charge history states a balance of {$0.00} for my procedures. After being informed that I had paid for my services in full, records do indicated that XXXX did in fact overlook some financial fees. However, since these fees had been overlooked for an extended period of time, they resolved to absolve the fees. To this day, records show that I do not have an outstanding balance with them, and when I spoke to them they stated that records show no attempts for collections made on behalf of XXXX.
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| 02/22/2017 |
Yes |
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- Disclosure verification of debt
- Right to dispute notice not received
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Web |
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I never received any notice to verify I owed or am responsible for this debt. I noticed this debt was in collections from XXXX XXXX only once I reviewed my credit report on XXXX XXXX, XXXX. I contacted the debt collector via phone, requesting verification and notifying the debt collector that I dispute all claims that I owed the debt reported on my credit report. The collector viciously argued with me and hung up on me twice, the first time when I was disputing the claim that owed the debt and the second time when I called to inquire the contact information of the original creditor and claims. The debt collector mentioned I did not receive bills or other information in regards to the debt because they did not have my information. The only information that the collector had was my name, date of birth, and SSN, which makes no sense and is not sufficient proof that I owe this debt or why I had not been contacted in XXXX, if I am so responsible for this debt. I have been denied of my rights to promptly, adequately, and sufficiently defend myself from such illegal, and inappropriate tactics used by this debt collector in recovering a debt that does not prove to be mine. I had never received any notice of this debt prior to me investigating my credit report on XXXX XXXX, XXXX and is when I found this debt on my credit report. I have never received any communications in regards to this debt, which has been illegally reported and misrepresents any debt in which I owe or am responsible for.
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| 07/05/2016 |
No |
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- Communication tactics
- Used obscene/profane/abusive language
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Web |
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XXXX XXXX from Road Runner Collection Agency in XXXX called Saturday, yelling and ranting about what I better do to pay a late payment to XXXX XXXX XXXX XXXX she was rude unprofessional and trying to threaten me regarding the payment and after her yelling and acting like a XXXX Year old throwing a tantrum she hangs up in my face regardless of my being late on the payment is will not be talk to in a disrespectful manner!!
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| 12/15/2016 |
No |
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- Disclosure verification of debt
- Not disclosed as an attempt to collect
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Web |
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| 12/15/2016 |
Yes |
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- Disclosure verification of debt
- Not disclosed as an attempt to collect
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Web |
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| 05/20/2016 |
Yes |
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- Disclosure verification of debt
- Not given enough info to verify debt
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Web |
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| 08/03/2015 |
Yes |
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- Communication tactics
- Threatened to take legal action
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Phone |
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| 06/01/2015 |
Yes |
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- Disclosure verification of debt
- Right to dispute notice not received
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Web |
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| 07/31/2014 |
No |
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- Communication tactics
- Used obscene/profane/abusive language
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Web |
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