Sa-Vit Enterprises, Inc. CFPB Complaints

2000 Latest Complaints

Date Received	Timely Response	Product	Issue	State / Zip	Submitted Via	Tags
07/02/2021	Yes	Debt collection Medical debt	Attempts to collect debt not owed Debt is not yours	NJ 08757	Web
Ive reached out to Sa-vit collection agency multiple times beginning XX/XX/2021 in regards to this unverified or invalidated debt that they have been reporting on my consumer report and it has been well over 45 days and still I havent seen any response since Ive sent out the second follow up letter given them 15 more days to delete the item since theyre ignorance of my letters proves theyre admission of guilt And still nothing at all so I called the number enclosed in my original complaint and I was informed by the agent that this company has said I am not the one sending my letters and said a 3rd party credit repair service is and I find that extremely unprofessional and out right insulting that this company not is only reporting false, misleading, and inaccurate information to my consumer report but they also dont think Im capable or literate enough to learn and utilize my rights as a consumer and on top of that its causing me stress having this being reported because its slowing up my process of building my credit to obtain the things I need to move forward in my life. So I want this item removed immediately since I have sent out proper disputes in my own writing and still havent received a response and even further they have reported to the bureaus that I can not be located when the address I have sent my disputes from has been verified as my home address by all 3 bureaus so that is a lie, I am adding in my original complaint below to give a better understanding to whoever may read this complaint. sent out a debt validation request under the FDCPA, 15 U.S. Code 1692g ( sec.809 ) to SA-VIT Collection Agency on XX/XX/2021 and they have failed to respond to my request after given 30 days to remedy the situation in regards to the Account # XXXX After receiving confirmation via email that the request for validation was received on XX/XX/2021 I waited the remainder of the intitial 30 days given and now I have sent out a follow up notifying the agency that since they are still reporting this negative account on my credit report they are now in violation of the FDCPA and now subject to fines of {$1000.00} which I may collect from filing a claim in small claims court, and I intend to follow through with the suit if I do not hear back from them or see this account removed within 15 days. I also informed them that reporting invalidated information to major credit bureaus may constitute defamation of character, and I want this item removed immediately as it is preventing me from enjoying the benefits of good credit.
11/29/2018	Yes	Debt collection Medical debt	False statements or representation Attempted to collect wrong amount	NJ 079XX	Web	Servicemember
I contacted a health care provider on XX/XX/XXXX to inquire about a debt that was passed to a Sa-Vit collection agency. The account was for a procedure for my daughter as required by the State of NJ. The amount in question is {$320.00} for a date of service of XX/XX/XXXX. The health care provider provided my information about the alleged debt and a claim number in which I contacted my health care insurance company to verify if a claim was submitted in XX/XX/XXXX. After speaking with my health care insurance company on XX/XX/XXXX, I was told that the health care provider billed did submit a claim but the procedure was billed under my name and not my daughters name and that was the reason why it was denied by my health insurance company. After speaking with my health insurance company on XX/XX/XXXX, they fix the problem and transferred the claim to my daughters name which is should have been billed of in the beginning and gave me a claim number in support there of. I called the collection agency Sa-Vit and spoke with a representative who I explained that the health care provider billed the procedure under my name and not my daughters and that's why it was denied and that my health insurance carrier transferred the claim to my daughter after finding out about the error. I was then transferred to the company 's compliance officer XXXX XXXX and explained the situation to him. Mr. XXXX became verbally abusive to me and then started speaking to me in XXXX unexpectedly. When I spoke back to him in XXXX and surprised him he refused to talk further and hung the phone on me. Mr. XXXX is very unprofessional and thinking he bully consumers especially by speaking in another language in which to insult someone.
09/22/2015	Yes	Debt collection Medical	Communication tactics Frequent or repeated calls	NY 11414	Web
On XX/XX/XXXX my husband was rushed into XXXX. He was seen by several doctors. The neurologist who saw him did not participate in our plan, XXXX. We were never informed of this. XXXX years later I received a bill from XXXX XXXX XXXX XXXX for {$180.00}. I fought this bill because I told them they should have told me that they did n't participate in my plan, I should n't get a dr. bill for an emergency room visit. I told them I would not pay this bill, They then sent the debt collection to Sa-Vit Collection Agency, XXXX. XXXX XXXX, XXXX XXXX, XXXX XXXX ( XXXX ). Sa-Vit called my house every day, they threatened to report this debt on our credit report and demanded payment daily. I had to start screening my calls, as their agents were aggressive and harassing, especially when my children answered. In XX/XX/XXXX, we refinanced my home mortgage, where we were horrified to find that my husband 's credit score had dropped into a level that would not permit us to conduct the refinance. I contacted Sa-Vit Collection Agency and tried to explain that the bill was not appropriate. The offered to reduce the {$750.00} collection down to {$500.00}, which I paid under protest, by credit card in order to refinance my home. I have a bill from the Dr. 's office charging me {$180.00}, how is it possible for Sa-Vit Collection Agency to charge {$750.00} on a {$180.00} actual debt? How is it possible for this collection agency to be abusive and harassing to me and my family? They overcharged a debt, harassed my family and collected more than was owed on a debt that was in dispute from day and they marked my husband 's credit score which hindered our refinancing of our home.
01/30/2017	Yes	Debt collection Medical	Cont'd attempts collect debt not owed Debt was paid	NJ 08820	Web
Visited doctor 's office ( XXXX XXXX XXXX XXXX, XXXX, XXXX, NJ ) in XX/XX/XXXX. Paid co-pay amount as per the doctor 's office at the time of the visit. Later, we received an invoice for {$180.00} from Doctor 's office. We denied to make the payment as we were not informed by extra payment at the time of the visit. Doctor 's office hired a Debt collection company ( Savit Collection Agency ). They called us few times. We explained them our position. We reported this issue to insurance company. As per the insurance company, Doctor 's office was supposed to call insurance company at the time of treatment to find out and inform patient about total out of pocket cost associated with consultation ( doctor mostly talked about how busy he is during consultation and did n't get any treatment ). We disputed the amount due under collection. SAVIT kept sending letters for collection. Finally, we made full payment ( {$180.00} ) to doctor 's office on XX/XX/XXXX via XXXX XXXX credit card. Collection agency ( Savit ) never reported to Credit Bureaus that this matter is settled with patient. Intention was to put our credit in jeopardy. We opened up a case on a website ( XXXX ) in XX/XX/XXXX as we were interested in buying a house at that time. They rejected case and did n't do anything to fix our credit. We see this as an attempt to jeopardize our credit to give us hardship by Doctor 's office and/or SAVIT Collection Agency. As we speak, we are in the process getting loan for our new house. Lender is offering us higher interest rate due to my low credit score. I never had any outstanding payment and/or behind on any payments in my life.
06/25/2018	Yes	Debt collection Medical debt	Written notification about debt Didn't receive enough information to verify debt	NJ 076XX	Web
Recently i got an alert on my credit report regarding a derogatory remark put in place by Company Sav-it. I reviewed the information on this and found they had lodge due to an apparent owing medical debit from 2016, i was under the belief back in 2016 this was settled with my insurance company, i had multiple calls with the Doctors office and last call was that they had everything settled. I was out of the country until XX/XX/XXXX this year and was never made aware that Sav-it was trying to contact me, according to Sav-its employee last Wednesday Evening XX/XX/XXXX they had sent a couple of letters and tried to call me however confirmed they had never contact me. i asked them to remove the derogatory remark for further investigation, i cited that i should be entitled to 90 days to defend the matter before any remark be lodged against me and that if the matter wasn't settled in 90 days i would not have a problem with the remark being on there, the person i spoke to on XX/XX/XXXX i believe his name was XXXX XXXX said he would have a manager call me the following day, i have never received a call, i have left multiple messages in the form of calls and social media, i have recorded evidence they have indeed received these messages but still refuse to make contact with me. This has now caused a seriously problem for me and i feel i have not only been discriminated against because i am not an XXXX XXXX but also that this company has broken the law. i am happy to assist in any way what so ever to make sure that Sav It is fully investigated and prosecuted where justifiable.
09/21/2022	Yes	Debt collection Medical debt	False statements or representation Attempted to collect wrong amount	NJ 088XX	Web	Older American
XX/XX/XXXX - Received collection notification from Savit Collection Agency. I was unaware of a debt from XXXX XXXX XXXX ( because they had an incorrect address for me ) so I called Savit and they sent me the XXXX bills. XXXX XXXX XXXX improperly billed ( billed as eye exam ) my insurance company ( XXXX ) for three service dates ( XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX ). All 3 dates of service were for medical issues ( diagnosis codes are included on the bills ) however XXXX XXXX XXXX coded them as eye exams and XXXX doesn't cover that so they were rejected. Unbenounced to me, until i received a statement ( with the wrong address ) in XX/XX/XXXX and XX/XX/XXXX. At which time, I called XXXX XXXX XXXX multiple times and was told they would process them again. I was never informed that the bills were being rejected and hadn't been processed. XX/XX/XXXX - I become aware of the issue when Savit Collection Agency reported the debt to the credit agencies ( credit score dropped XXXX points ). I spoke to XXXX ( billing is too old to reprocess ) and Savit ( they need XXXX XXXX XXXX to recall the debt ) numerous times and both conclude XXXX XXXX XXXX is at fault. However XXXX XXXX XXXX won't return my calls or emails. I have included all documents to support my claim. Please intervene and fix the issue. I have a stellar credit report history for over 45 years and have NEVER made a late payment. Thank you for your time.
10/16/2020	Yes	Debt collection Medical debt	False statements or representation Attempted to collect wrong amount	OH 45040	Web
Current Balance is being challenged as the XXXX is trying to collect more than the amount owed. We have been back and forth several times in an effort to resolve the true amount. The billing office of the XXXX do not keep proper records and seems to be very confused on what the total amount owed, since they have been collecting from 2 insurance companies and I have been personally making payments which were not properly recorded. Also the total amount quoted for my son 's XXXX was {$2000.00} with 9 months given as the timeframe to complete the procedure. The timeframe was extended to 3 years and the price kept increasing. The only reason, I was able to get the XXXX off my son 's XXXX was because we were relocating out of state and then they held my XXXX XXXX and would not allow him to leave until I paid {$500.00} over the phone. SAVIT Collection agency is demanding that pay another {$470.00}. On XX/XX/XXXX I received an email with my receipt which had a balance due of {$470.00}. On XX/XX/XXXX I paid another {$400.00} via check # XXXX, however, SAVIT is demanding {$470.00} and is refusing to acknowledge that I paid {$400.00} on XX/XX/XXXX while I'm disputing the balance of {$75.00}. On XX/XX/XXXX I attempted to resolve the issue with the XXXX XXXX through XXXX XXXX XXXX but SAVIT again has refused to remove the incorrect data from my credit file and is demanding that I pay an additional {$470.00}.
11/22/2016	Yes	Debt collection Medical	Disclosure verification of debt Not disclosed as an attempt to collect	NJ 08854	Web
At XXXX eastern time on XXXX/XXXX/16 I had a missed call from a XXXX. I returned this call at XXXX ( call lasted for a total of 2 minutes ). My call was answered by a clerk who answered the phone with " XXXX ''. Than she than confirmed my name and mentioned that she would connect me with the person who called me. Upon transferring my call the person who originally tried to call me, he asked me if I was ( NAME DELETED ) and wanted me to verify my address. I asked who was calling and after the 4th time of me asking he replied with " XXXX ''. I said XXXX why are you calling me and he said for " Personal Business '' and I asked several times about what " Personal Business '' and he tried to get me to verify my address again without answering my question. I asked who he was calling on behalf of and he said " XXXX ''. I than declined to answer his question about my address since he would not inform me the nature of his call after I made several attempts to and than I hung up. I looked up the phone number that called me and it was listed as a " XXXX ''. He never informed me that he was calling on behalf of a collection agency nor did he inform me that any information verified can be used against me for debt collection purposes- I believe this would be referred to as mini-miranda rights. I have never heard from this company before and I wish to make this a complaint against the company.
11/22/2023	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt was result of identity theft	TX 79601	Web
I have unauthorized inquiries and fraudulent activity on my credit report. Inquiries are XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 15 US. Code $ 1681c-2 a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt. It has been 30 days and you are in VIOLATION of this law because I am a victim of identity theftif Please delete these items IMMEDIATELY? These accounts should not be furnished on my consumer report as they are in VIOLATION!!! Under, 15 US Code 1681b - Permissible purposes of consumer reports ( a ) IN GENERAL Subject to subsection ( c ) any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) in accordance with the WRITTEN INSTRUCTION of the consumer to whom it relates. I NEVER gave any consumer reporting agency WRITTEN CONSENT to report anything on my consumer report which violates my rights as a federal protected consumer, NO CONSENT IS IDENTITY THEFT. As a consumer all accounts listed deleted IMMEDIATELY! XXXXXXXX XXXX XXXX XXXXXXXX, SAVIT COLLECTION AGEN XXXX.
04/22/2020	Yes	Debt collection I do not know	Written notification about debt Didn't receive enough information to verify debt	FL 341XX	Web
During a fairly routine credit check I discovered a judgment against myself from " Savit Collection Agency ''. I was unaware of any outstanding debt and to this day still do not know where it came from. My credit card companies, auto loan, rental agreements and banks have all confirmed I'm in good standing, so it may not be mine. Regardless, the amount does not appear significant so rather than bother with disputes I simply wanted to pay this debt in full and have it, at a minimum, listed as settled on my credit report, if not paid-in-full. Unfortunately, the agency never provided me with any information in the first place. When trying to make a payment on their site, they redirect you to their customer service phone/email options. That's fine. Except you can not actually get in touch with anyone. I've left messages for the agency three times and can not receive any correspondence, despite me openly communicating that whether the debt is mine or not I want to pay them in full. One would figure that'd be an incentive to respond. So I have this judgment remaining on my credit report, I suppose indefinitely, because I can not just mail money off into the ether and assume it'll be removed, but I also can't confirm anything about the amount of my payment, the account #, where to pay, how to pay, etc. Terrible agency.
08/29/2015	Yes	Debt collection Medical	Cont'd attempts collect debt not owed Debt is not mine	NJ 07103	Web
I am filing this complaint because my right has been violated. Please advise Savit Collection Agency to stop harrasing me with their phone calls. I am not indebted to them. XXXX XXXX scheduled my son at XXXX XXXX XXXX XXXX ( XXXX ) about two months before the XXXX date. At this time, I presented my health insurance card to his staff and she made a copy. On XXXX/XXXX/2014, XXXX representative called to confirm and verify my insurance ; and I informed them to use only personnel on XXXX XXXX XXXX. The purpose of the insurance card was to prepare personnels who are on network. On the day of the procedure, XXXX went to use NJ XXXX that is not on network. My insurance issued a check commensurate with what they would have paid for such services if they had used anyone on network. Unfortunately, NJ XXXX sent my data to Savit Collection Agency. It is not my fault that a personnel that is not on my insurance network was used. I was never consulted or informed before they used such service. Savit Collection Agency should please go after whoever made the schedule without considering my health insurance card that i presented and verified. Also, they should stop calling me concerning this debt
10/27/2016	Yes	Debt collection Medical	Cont'd attempts collect debt not owed Debt is not mine	NJ 08902	Web	Servicemember
I am a XXXX Veteran that maintains excellent payment history. I keep getting this collection flagged on my credit report by Sa-Vit Collection Agency of XXXX, NJ XXXX and the debt is not mine. I Am not the joint account holder or signed a document saying i am the responsible party for the bill they are trying to collect. To my knowledge there is no document that they have that shows me as the responsible party. Yet, they are adding my name next to my wifes name. My wife didnt speak good english and I believe she asked creditor to call me to talk about the unethical collection on her behalf. The credit company then automatically attached my name to the debt ever since. They need to remove all traces of this collection from my credit report and if they do this again, I am requesting Bureau of Consumer Financial Protection to please fine them the maximun amount for each incident they mark on my report. I pay my payments on time and it shouldnt mess with my credit score nor report and cause me damage. They continue to do this and I am requesting consumer financial protection from these illegal practices. Thank You.
11/16/2021	Yes	Debt collection Medical debt	Written notification about debt Didn't receive notice of right to dispute	NJ 08816	Web	Older American
In XXXX I was an out patient at XXXX XXXX XXXX in XXXX XXXX NJ. I had visited XXXX XXXX XXXX PA on occasion in the past before XXXX. At the time my health care coverage was with XXXX XXXX XXXX however after my XXXX birthday when XXXX became my primary and XXXX XXXX XXXX XXXX unknowingly failed to update my coverage with XXXX XXXX XXXX XXXX Unbeknownst to me the office visit to XXXX XXXX XXXX XXXX unpaid. I DID NOT RECEIVE A BILL for the service and would have taken care of it had I known that it existed. I became aware of the unpaid bill when checking my XXXX Credit Report in XXXX. I never received any notification from XXXX XXXX XXXX nor from the collection company identified on my credit report as XXXX XXXX XXXX XXXX I feel that their Practices are Improper and unsavory. I am concerned not only about my situation but other individuals as well. If you look into this matter I believe that you will find that individuals have been victimized by this SCHEME. I have the ability to pay the bill. The bill is for {$120.00}. I should have been notified that it was outstanding and given the opportunity to pay it.
08/05/2020	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Problem with a credit reporting company's investigation into an existing problem Investigation took more than 30 days	NJ 08527	Web
I sent a letter to XXXX disputing 3 account as erroneous on ( XX/XX/2020 ) and mailed them certified mail with tracking. XXXX received the dispute on XX/XX/2020 and I have NOT received any investigation in reference to the erroneous accounts that are effecting my credit rating.I then sent a follow-up letter on XX/XX/2020, which they received on XX/XX/2020 complaining about them violating the law by not investigating the false accounts that are reporting inaccurately on my reports. To date, XX/XX/2020 they have not updated my reports reflecting my current disputes even though they received them. I want to also make a note that i contacted all of the Creditors directly to request a verification and have NOT heard any response from them as well, Except XXXX XXXX who removed the inaccurate account. I want to make it known that this is my final attempt to resolve this matter amicably before I pursue legal action against XXXX, Sa-Vit Collection agency, and XXXX XXXX XXXX, XXXX for non compliance with the law, damages for emotional and physical distress, statutory damages, and attorney fees and court cost.
04/12/2021	Yes	Debt collection Medical debt	Attempts to collect debt not owed Debt is not yours	NJ 079XX	Web
Had a credit alert for a collections account added to my report. Upon investigation, I contacted SAVIT COLLECTION AGENCY and they told me it was debt for a medical bill that I owed due to having no insurance. I explained 1 ) that I have never had a lapse in insurance and 2 ) that I have never received a bill. The original and subsequent debtors had the wrong address. I corrected the representative I spoke with and he sent me the bill totaling {$520.00} for XXXX XXXX XXXX XXXX XXXX ) for an initial consultation at XXXX XXXX XXXX ( part of XXXX XXXX XXXX XXXX XXXX XXXX, PA XXXX ; XXXX ). I called upon receipt and was told again that I did not have medical insurance at the time. Being that I spent the night in the hospital and XXXX/XXXX paid over $ XXXX to said hospital, it is quite clear that this provider, XXXX XXXX, never submitted the claim to insurance which they are liable for. I would like the bill expunged immediately from my credit report and an explanation as to the unethical practices by which both SAVIT and XXXX XXXX XXXX practice. This is unacceptable on all fronts.
07/13/2015	Yes	Debt collection Medical	Cont'd attempts collect debt not owed Debt is not mine	NJ 07866	Web
My ex-spouse passed away. Medical bills for my children that my ex-spouse was legally responsible for were not paid. The bills were being sent to him. I had no knowledge of the bill until I received a notice from my credit monitoring company. I contact the collection agency and was told it is my problem and to take my dead ex-spouse to court. They refused to work with me and told me it is my problem and I have to pay the bill, just before hanging up on me. They offered NO documentation that this bill was valid nor did they made any attempts to contact me regarding outstanding debt. I have since paid the debt even though I have received no proof that exists and have filed dispute cases with the credit reporting just to not have it impact my credit report. I find it unacceptable that a debt owed by my deceased ex-spouse be charged negatively against my credit when I have NO knowledge of its existence.
01/30/2018	Yes	Debt collection Medical debt	Attempts to collect debt not owed Debt is not yours	NJ 075XX	Web
This debt is not mine. I was never seen by XXXX XXXX XXXX XXXX in XX/XX/XXXX. This collection agency which is SA-VIT Collection statingi was a joint responsibility. Never heard of such terminology for a medical bill. I have no idea how they got my social security number and put this false information on my credit report. I have tried several times to contact them. My latest attempt was on XX/XX/XXXXin which i send them a letter and also contact the credit agency. Was informed by XXXX that are still stating this information is accurate. Was informed by divorce attorney this is illegal and fraud. I am not a cosigned for a medical bill and not responsible for this debt. In addition i was not the patient for this service. This is a frauduelent attempt to get this bill paid by me. This matter needs to be resolved and has cause me tremulously stress. Thank you for your assistance
09/28/2018	Yes	Debt collection Medical debt	Attempts to collect debt not owed Debt is not yours	NJ 070XX	Web
Hi During my kids eye test for XXXX XXXX, all medical insurance details were provided to XXXX XXXX XXXX XXXX XXXX XXXX, NJ. They checked the insurance and mentioned we were covered for the services. Instead of collecting the money from the insurance company, they reported to it to debt collections agency who then send it to credit reporting agency as uncollected debt. We had told the debt collectors that the insurance details has been given, yet they refused to collect it from the medical insurance company. This has impacted my credit score. Needs to immediately take corrective action else we will follow with legal action. Details below Opened XX/XX/2018 ( 3 mos ) Account status Placed for collection Original Creditor Name XXXX XXXX XXXX XXXX XXXX XXXX, NJ Creditor Information XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NJ XXXX ( XXXX ) XXXX
03/16/2019	Yes	Debt collection Medical debt	Took or threatened to take negative or legal action Threatened or suggested your credit would be damaged	NJ 07108	Web	Servicemember
Please be advised I have requested validation { not verification } of an item reported by the above original creditor/collection agency. I have received a response that clearly violates my rights according to HIPAA. Savit Collection Agency did NOT provide me a HIPAA release that releases my medical information to them, therefore by providing such information they are in VIOLATION of my HIPAA rights. I am proceeding with legal action as prescribed by law against the above-named original creditor/collection agency should this item not be deleted within the required time allowed by law. I will seek every legal remedy available to me and file suit against the credit bureau responsible for reporting this violation. I urge you to take this extremely seriously as I have documented my case without error. I encourage a response from you expeditiously.
04/17/2018	Yes	Debt collection Medical debt	Attempts to collect debt not owed Debt is not yours	NJ XXXXX	Web
Two months ago I called the Savit Collection Agency asking for my husband account because he has a debt for {$2700.00} with this agency, this is a medical bill. I was calling to see if there was a way to pay less this debt. First of all a lady asked for my name and the relationship with this person. I told them my name and also that I was his wife. So after a month I was checking my credit report and I found out that my husband 's debt also appears in my credit report. I called them back and asked why they report his debt on my credit report. They said in New Jersey is legal to put a debt on both spouse, but my husband has this debt for almost two years ago and never appeared on my credit report, this happened after I made the call and they asked for my name and relationship. Now my credit score went down a lot because of this.
03/17/2023	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Problem with a credit reporting company's investigation into an existing problem Difficulty submitting a dispute or getting information about a dispute over the phone	NJ 077XX	Web	Older American
Sa-Vit filed multiple collections for the same account with credit reporting agencies. The issue revolves around one account with a Doctor. Related to a coding error on the Dr Office 's side. Sa-Vit contacted me only once regarding the account to which I responded. The Dr 's office was looking into it to correct. In violation of Federal law Sa-Vit filed numerous collections notices with the reporting agencies. Sa-Vit proposed a solution, which I accepted. 50 % pmt of the alleged amount due and they would remove the collections from allcredit agency reporting. They subsequentlyrescinded that offer. Sa-Vit is engaged in an unfair practice bullying and extorting collection by means of credit agency reporting. My credit has been severely damaged as a direct result of their unfair and illegal actions.
03/27/2023	Yes	Debt collection Medical debt	Written notification about debt Didn't receive enough information to verify debt	NJ 07093	Web
Medical Debt was Reported to Credit Bureau in XX/XX/XXXX. I am unaware of any medical procedures done, but based off the timeline, the original creditor was most likely for a Covid Test back in XXXX when state wide emergency was in effect and all COVID exams were free. This was never verified or made aware of to me. I did not receive any notice of debt from provider OR collection agency and first saw it on my credit report. I disputed it on all 3 Bureau, It does not show on XXXX and XXXX, but as of XX/XX/XXXX, the collection shows on XXXX. The latest status date was as of XX/XX/XXXX. The amount of the debt is {$470.00}. I am also aware that medical debt under 500 should not be reported /shown on Credit report and should not affect credit score.
06/21/2022	Yes	Debt collection Medical debt	Written notification about debt Didn't receive enough information to verify debt	NJ 08054	Web
There is an entry on my XXXX credit report that appeared in XX/XX/2022 from SA-VIT XXXX XXXX collections agency for {$240.00}. This debt does not belong to me and it should be deleted from my credit report. I mailed this company a debt validation letter on XX/XX/2022, asking them to validate the debt or delete it from my credit profile. I am attaching a copy of this letter to this complaint. As of XX/XX/2022, I have not received a written response from SA-VIT XXXX XXXX nor has this invalid entry on my XXXX been removed. I am asking that you please ask this company to delete this entry from my XXXX credit report as it is not mind and they have not proven the validity of this debt.
06/10/2017	Yes	Debt collection Medical debt	Written notification about debt Didn't receive enough information to verify debt	NJ 08527	Web
I was contacted by my doctor at XXXX XXXX XXXX for a follow up. Unbeknownst to me there was not another visit left on my referral. While trying to work through my health insurance carrier I was contacted by mail by SA-Vit collections. Rather than risking my credit I paid the XXXX with check number XXXX . They did not contact me again. This was written on XX/XX/XXXX and the next time I heard about this was last month when I applied for a car loan. I paid this XXXX by phone on Friday XX/XX/XXXX . There was no contact between my payment by check and the payment by phone. They never cashed my check but I have a copy.
12/18/2020	Yes	Credit reporting, credit repair services, or other personal consumer reports Other personal consumer report	Problem with a company's investigation into an existing issue Problem with personal statement of dispute	FL 33435	Web
1. Savit Collection Agency ( 2 ) amounts reported {$300.00} & {$200.00} 2. XXXX XXXX XXXX reported {$170.00} 3. XXXX XXXX Solutions reported {$55.00} I have previously disputed to all ( 3 ) credit bureaus of the above stated amounts that is wrongfully reported on my credit report. All of the accounts are related to medical services related to tests, etc.. I did not approve of these services that was given to such agencies that was outside of my medical insurance company 's network. These types of unresolved issues with the doctors office should not be a part of my credit file.
05/03/2018	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 Problem with personal statement of dispute	NJ 07036	Web
I have three collection agencies trying to collect on the same debt and reporting on my credit report. Seriously, I thought is was against the law and I was protected as a citizen to keep credit pirates off my credit report. This sucks I can get a house or car because I have 9 collection debts and three collection agencies showing. IN REALITY I have none. I know it has been a write off and these collection agencies just want money. The have no proof this is my debt. I tried communcating with all of them but no one will delete the duplicate accounts. HELP!!!!!!!
10/15/2016	Yes	Debt collection I do not know	Disclosure verification of debt Right to dispute notice not received	NJ 070XX	Web
I received a XXXX alert at XXXX EST on XXXX/XXXX/XXXX that Sa-Vit Collection Agency in XXXX XXXX, NJ, had reported to XXXX an unpaid debt of {$290.00} I called them at XXXX and left a detailed voice mail with my name, call back #, and amount and that I am not aware of any monies owed. I will send them a letter on XXXX/XXXX/XXXX requesting the validation of debt and to remove this attempt to collect from all credit reporting agencies. At no time was I contacted by phone or via mail ( I have lived at the same address continuously since XXXX XXXX. )
12/14/2022	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt is not yours	NJ 07740	Web
On XXXX the XXXX 2022, A company by the name XXXX XXXX XXXX made a report to collebtion debt company XXXX XXXX XXXX XXXX XXXX XXXX a charge of {$550.00} the according to XXXX XXXX XXXX I was due to pay on XX/XX/2022, I have never been to XXXX XXXX XXXX, never heard of it before this incident, and base on the reviews i would never do so, upon further look on the review multiple people have made the same claims of the same amount of money being fraudulent reported it for collection, I have taken screenshots of it and I have submitted then on here.
03/08/2023	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Account information incorrect	NJ 08081	Web
This company is attempting to collect a debt that I do not owe to my insurance company. I was informed by my insurance company that covid19 testing was always covered, and I went to an in-network XXXX XXXXXXXX to receive the test. Over a year later I received a collections notice, and this was the first time I ever heard anything about my claim being denied. I should not owe anything because this test was supposed to be covered 100 % as I was told. I would not have gotten the test if I hadn't asked to make sure it was covered first.
05/04/2021	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	PA 19023	Web
I have received a copy of my credit report and it shows company SA-VIT COLLECTION AGEN ( Original Creditor : XXXX XXXX OF XXXX XXXX account number XXXX. Per FDCPA I am aware that a charge off or collection account is a direct violation due to reporting a balance. The balance must be reported as {$0.00}. Currently I am being violated due to FDCPA because there is an open balance listed on my credit report in the amount of {$330.00}. I have tried many times to get this verified with no such luck. Please review for deletion.
10/29/2021	Yes	Debt collection I do not know	Written notification about debt Didn't receive notice of right to dispute	NY 11435	Web
I pulled a copy of my credit report and notice this company reporting derogatory information about me, I reach out twice before contacting the CFPB requesting verification of the alleged debt, including, ( 1 ) the name and address of the original creditor, ( 2 ) copy of the oral or written request or application for the alleged credit card account, ( 3 ) copy of a signed contract or signed agreement with the alleged original creditor, and ( 4 ) previous 12 months of statements of account. To date they have not responded.
04/01/2021	Yes	Debt collection Medical debt	Took or threatened to take negative or legal action Threatened or suggested your credit would be damaged	PA 18042	Web
I asked for them to prove 100 % verified or validation. So I'm submitting through this site for help. This collection agency has not proved this account is mine. They have not sent me any of the proof of both these accounts : Assignment clause Notarized letter of debt purchase Signed contract from original creditor Copy of license to collect in my state legally * Signed HIPAA form This is a form of HIPAA violation. If they are saying it is verified then where's my proof? What methods are you using to verify?
06/17/2019	Yes	Debt collection Medical debt	Written notification about debt Didn't receive enough information to verify debt	NJ 07013	Web
Are you the original creditor? Can you prove to me beyond a reasonable doubt that I have a signed agreement agreeing to pay your company? How did your company obtain my medical information? Can your company prove that I authorized your company any type of written consent to obtain my medical history If you cant present me with proof that I allowed your company to obtain my medical records then your company is in direct violation of ( HIPPA ) The Health Insurance Portability and Accountability Act of 1996
04/02/2021	Yes	Debt collection Medical debt	Took or threatened to take negative or legal action Threatened or suggested your credit would be damaged	PA 18042	Web
I'm asking for them to prove 100 % verified or validation. So I'm submitting through this site for help. This collection agency has not proved this account is mine. They have not sent me any of the proof : Assignment clause Notarized letter of debt purchase Signed contract from original creditor Copy of license to collect in my state legally *Copy of Signed HIPAA form This is a form of HIPAA violation. If they are saying it is verified then where's my proof? What methods are you using to verify?
03/18/2019	Yes	Debt collection Medical debt	Took or threatened to take negative or legal action Threatened or suggested your credit would be damaged	NJ 07203	Web
I have reach out to them the company thew certified mail on XX/XX/XXXX i checked with the US post office web site and the website has informed me that the company has received my communication. I don't know the the collection company i don't have an contract with them i have asked them to provide me with proof of the contract and they have not provide me with this information. the dates they have provided me with is XX/XX/XXXX ,XX/XX/XXXX XX/XX/XXXX, XX/XX/XXXX
06/06/2017	Yes	Debt collection Medical debt	Attempts to collect debt not owed Debt is not yours	CA 94306	Web
This is my last effort to resolve this matter before I pursue to taking legal action. This company had reported an account on my credit report that I believed to be inaccurate and in violation of the FCRA. Hence, I wrote to this company not only disputing this account but asking them to prove the validate of it and asked that the item be removed if they couldnt produce the requisite information. No signed contract was produced to show this item belonged to me.
08/29/2022	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Improper use of your report Reporting company used your report improperly	NJ 07018	Web
In accordance with the fair credit reporting act XXXXt account # XXXX, has violated my rights. 15 USC 1681 Section 602 States I have the right to privacy. 15 USC 1681 Section 604 A Section 2 : it also states a consumer reporting agency can not furnish a account without my written instructions. 15 USC 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose.
04/14/2020	Yes	Debt collection Medical debt	Written notification about debt Didn't receive enough information to verify debt	NJ XXXXX	Web	Older American
DEAR MADAM/SIR, CFPB : Savit Collection Agency, send me a letter dated : XX/XX/XXXX. and it was received on:XX/XX/XXXX. The collection Agency above is asking me to pay them, {$100.00} do to XXXX visits in the past year, XXXX. This payment and or payments where already PAID IN FULL bye XXXX, my insurance company part B. PAID ALL THE PAYMENTS TO THE XXXX. And I do not owe anything to the Collection Agency.. Respectfully yours ; XXXX
01/12/2020	Yes	Debt collection Medical debt	Attempts to collect debt not owed Debt is not yours	OH 442XX	Web	Servicemember
I am trying to clear up my credit report and found a credit in collections since XX/XX/2016. I have no idea what this is for, nor has the company sent me a notification that I owe this debt. I attempted to dispute the charge with XXXX, XXXX, and XXXX, but the creditor replied that the charge is mine, yet I still have not received notification about this debt. The company ( SA-VIT COLLECTION AGEN ) is stating that I owe {$820.00}
06/10/2019	Yes	Debt collection Medical debt	Written notification about debt Didn't receive enough information to verify debt	NJ 075XX	Web
I'm in the process of cleaning my credit and came across this account in my file. It is saying I owe a debt to which I am unaware. Please provide validation via mail. As per the fair credit reporting act and HIPPA Law : 1. Original contract with signature 2. Original bills with breakdown 3. Notarized copy of the purchase of debt 4. Copy of your bond and license to collect in my state. 5. Copy of HIPPA form to collect 3rd party
12/06/2022	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Improper use of your report Reporting company used your report improperly	NJ 07621	Web
In accordance with the fair credit reporting act XXXX account # XXXX has violated my rights. 15 USC 1681 Section 602 states I have the right to privacy. 15 USC 1681 Section 604 A Section 2 : also states consumer reporting agency can not furnish a account without my written instructions. 15 USC 1666B : a creditor may not treat a payment on a credit account under an open end consumer credit plan as late for any purpose.
01/29/2018	Yes	Debt collection I do not know	Written notification about debt Didn't receive enough information to verify debt	NJ XXXXX	Web
This company has been sending me noticed that I have no knowledge I have no knowledge of this debt agreement with them. It is illegal to collect on an erroneous debt that I have no knowledge of. I didn't have contract agreement with them. I want them to stop harassing me with sending me erroneous debt letters. They have reported it to the credit bureaus and I don't know them.
06/10/2019	Yes	Debt collection Medical debt	Written notification about debt Didn't receive enough information to verify debt	NJ 07017	Web
I'm in the process of cleaning my credit and came across this account in my file. It is saying I owe a debt to which I am unaware. Please provide validation via mail. As per the fair credit reporting act. 1. Original contract with signature 2. Original bills with breakdown 3. Notarized copy of the purchase of debt 4. Copy of your bond and license to collect in my state.
01/16/2021	Yes	Debt collection Medical debt	Communication tactics Used obscene, profane, or other abusive language	NY 11212	Web
Hello, I XXXX XXXX sent Sav-It Ent Inc a validation request to confirm the debt I owe. I received the validation letter and now want to settle this debt. I gave them a call and was told theyll do a pay to delete if paid in full but they refuse to send a letter or email confirming theyll delete. I was told we are not a letter company.
11/30/2020	Yes	Debt collection Medical debt	Attempts to collect debt not owed Debt is not yours	PA 19124	Web	Servicemember
My name is XXXX XXXXphone number is XXXX.I told my workers compensation lawyer about this bill I recieved..he told me he will handle it..why I keep getting this doctor bill..for {$28000.00} dollars..the doctor is XXXX XXXX XXXX XXXX. Account # XXXX..my lawyer XXXX XXXX XXXX XXXX XXXX pa ... I told him about this..
10/13/2022	Yes	Debt collection Medical debt	Written notification about debt Didn't receive enough information to verify debt	PA XXXXX	Web
This medical debt is not owed I have health insurance and do not owe this bill. I did not sign anything with my signature stating this debt belongs to me. Please remove this from my credit report immediately. This is a medical debt that's not owed when there is health insurance. I signed no papers owning this debt
07/20/2021	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Account status incorrect	NC 27405	Web
Savit Collections is reporting a debt that I do not owe. I recently took a look at my credit file and noticed this popped up. I was not aware that this debt was even owed because I have insurance. My insurance should have taken care of the total bill, I was never billed by my insurance. This needs to be removed.
03/01/2016	Yes	Debt collection Medical	Cont'd attempts collect debt not owed Debt is not mine	NJ 070XX	Web
Savit Collections has reported me to all XXXX credit bureaus this is not my account or they have me confused with someone else I have XXXX % medical coverage with no co pay this is not my account and request it be removed immediately additionally they call my home every hour of the day with a anonomous number
03/13/2022	Yes	Debt collection Medical debt	Attempts to collect debt not owed Debt was paid	NJ 08611	Web
I had a eye procedure done at XXXX XXXX XXXX, i was told {$5000.00} covers every thing including follow up visits to see how the eys are healing however the Doc office charged me {$180.00} for each follow up visit which was agreed that the procedure include all and later they sent to debit collection agency.
07/18/2022	Yes	Debt collection Medical debt	False statements or representation Attempted to collect wrong amount	NJ 08012	Web
According to XXXX XXXX XXXX XXXX {$530.00} for a XXXX test back in XXXX that I was forced to pay in cash because they did not except card or insurance cards at the time for XXXX. As of XXXX XXXX I apparently owe a debt of that amount to them and believe the act is fraudulent.
03/20/2019	Yes	Debt collection Medical debt	Took or threatened to take negative or legal action Threatened or suggested your credit would be damaged	NJ 07017	Web
{$60.00} is the amount owed. I sent them a validation letter and they sent me back copies of paperwork that has not my name, social or signature. It has someone else 's name, social security number, insurance information and signature. I am only listed as an emergency contact.
10/27/2020	Yes	Debt collection Medical debt	Written notification about debt Didn't receive notice of right to dispute	NJ 08701	Web
I notice on my credit report a collection which has appeared from Savit collection, The date of service was on XX/XX/2019 yet Savit Collection is reporting this since XX/XX/2019, Based on the XXXX XXXX XXXXXX/XX/XXXX Plan This should not have been reported prior to 180 days.
05/15/2022	Yes	Debt collection Medical debt	Attempts to collect debt not owed Debt is not yours	NJ 07060	Web
Sa-Vit Ent Inc XXXX XXXX XXXX XXXX XXXX XXXX XXXX Nj XXXX This Company has been reported as pasted due balance on my XXXX CREDIT REPORT. I do not know this company. I have never done any business with this company. This company does not have contact with my signature
09/06/2023	Yes	Debt collection Medical debt	Written notification about debt Didn't receive enough information to verify debt	NJ 074XX	Web
Have no clue who XXXX XXXX XXXX is and where they are located. I have not been to a Dr . Prior to this month for at two years. Was questioning if this bill really could be for me? Did not pay because I really have no clue what this for.. need more info
02/03/2022	Yes	Debt collection Credit card debt	Attempts to collect debt not owed Debt was result of identity theft	NY 11201	Web
Per tracking, Its been 2-3 months. No information given. Accounts unknown. Ignored investigation. Violates 15 USC 1692efg and 1681a never authorized or given permission for accounts report. On Copy, XXXX, Attorney General and FTC
08/23/2019	Yes	Debt collection Medical debt	Written notification about debt Didn't receive notice of right to dispute	NJ 070XX	Web
There is a collection in the amount of XXXX from XXXX XXXX XXXX under sa-bit ent inc. This has been on my XXXX report for 3 years and should be removed as it was removed from XXXX. Over the limit to appear on report
06/18/2018	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Old information reappears or never goes away	TX 77520	Web
XXXX XXXX agency has " parked '' and old Dept stating i owe {$350.00}. They have also re-aged the dept as of XX/XX/2018. this is a violation of the FCRA. They have willfully reported incorrect information.
03/20/2020	Yes	Debt collection Medical debt	Attempts to collect debt not owed Debt was paid	AK 99507	Web
savit XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX New Jersey XXXX ( XXXX ) XXXX Claims of non payment but bill was paid under XXXX and XXXX XXXX XXXX XXXX NJ Charity Care Program.
06/27/2016	Yes	Debt collection Medical	Cont'd attempts collect debt not owed Debt was paid	NJ 07052	Web
Sav-it collection show a debt that they say # 1 they could n't reach me, and further, it was settled with the company for {$170.00}. The company was XXXX.
11/02/2016	Yes	Debt collection Medical	Disclosure verification of debt Right to dispute notice not received	NJ 07106	Web
I have requested information on this dedt bearing my signature and have not received no information on validation
04/17/2019	Yes	Debt collection Medical debt	Written notification about debt Didn't receive enough information to verify debt	NJ 07013	Web
Sa-Vit collection failed to respond my dispute within the time frame provided.
02/28/2018	Yes	Debt collection Medical debt	False statements or representation Attempted to collect wrong amount	PA XXXXX	Web	Servicemember
This company is attempting to collect a debt from me that is not mine.
07/07/2021	Yes	Debt collection I do not know	Took or threatened to take negative or legal action Threatened or suggested your credit would be damaged	NJ 08816	Web
Savit collections has put negative information on my credit report
10/08/2016	Yes	Debt collection Medical	Taking/threatening an illegal action Attempted to/Collected exempt funds	PR 00729	Web
the company attempted to collect UNEMPLOYMENT insurance benefits.
04/30/2020	Yes	Debt collection Medical debt	Written notification about debt Didn't receive enough information to verify debt	MN 55075	Web
ask with something bearing my signature from this company
06/14/2018	Yes	Debt collection Medical debt	Attempts to collect debt not owed Debt was paid	NJ 07065	Web
This is a medical co-payment that was paid from 2012.
01/06/2024	Yes	Credit reporting or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	NJ 07866	Web

01/02/2024	Yes	Debt collection Medical debt	Attempts to collect debt not owed Debt is not yours	NJ 07740	Web

12/22/2023	Yes	Credit reporting or other personal consumer reports Credit reporting	Improper use of your report Reporting company used your report improperly	NJ 07036	Web

09/21/2023	Yes	Credit reporting or other personal consumer reports Credit reporting	Problem with a company's investigation into an existing problem Their investigation did not fix an error on your report	NJ 07067	Web

06/18/2023	Yes	Debt collection Medical debt	Written notification about debt Didn't receive enough information to verify debt	NJ 07067	Web

03/25/2023	Yes	Debt collection Medical debt	Attempts to collect debt not owed Debt is not yours	GA 30312	Web

03/22/2023	Yes	Debt collection Medical debt	Written notification about debt Didn't receive notice of right to dispute	NJ 07747	Web

03/03/2023	Yes	Debt collection Medical debt	Attempts to collect debt not owed Debt was paid	NJ 07044	Web

01/30/2023	Yes	Debt collection I do not know	Took or threatened to take negative or legal action Threatened or suggested your credit would be damaged	NJ 07740	Web

11/30/2022	Yes	Debt collection Medical debt	Written notification about debt Didn't receive enough information to verify debt	NJ 07044	Web

11/28/2022	Yes	Debt collection Medical debt	Threatened to contact someone or share information improperly Talked to a third-party about your debt	NJ 078XX	Web

11/09/2022	Yes	Debt collection Medical debt	Communication tactics You told them to stop contacting you, but they keep trying	NJ 07106	Web

08/19/2022	Yes	Debt collection Medical debt	Attempts to collect debt not owed Debt was paid	NJ 08824	Web

08/09/2022	Yes	Debt collection Medical debt	Attempts to collect debt not owed Debt was result of identity theft	NY 10302	Web

06/17/2022	Yes	Debt collection Medical debt	Written notification about debt Didn't receive enough information to verify debt	NJ 08618	Web

06/13/2022	Yes	Debt collection Medical debt	Written notification about debt Didn't receive enough information to verify debt	NJ 07083	Postal mail

05/23/2022	Yes	Debt collection Medical debt	Attempts to collect debt not owed Debt is not yours	NJ 07716	Web

04/12/2022	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Old information reappears or never goes away	MI 48186	Phone	Older American, Servicemember

03/20/2022	Yes	Debt collection Medical debt	Attempts to collect debt not owed Debt is not yours	NJ 08753	Web

02/25/2022	Yes	Debt collection Medical debt	Written notification about debt Didn't receive enough information to verify debt	NJ 08816	Referral

01/08/2022	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Account status incorrect	NJ 07001	Referral

12/09/2021	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	NJ 07040	Web

11/14/2021	Yes	Debt collection Medical debt	Attempts to collect debt not owed Debt was paid	NJ 07105	Web

10/01/2021	Yes	Debt collection I do not know	Written notification about debt Didn't receive enough information to verify debt	NJ 08701	Web

09/09/2021	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	NJ 08901	Web

08/27/2021	Yes	Debt collection Medical debt	Attempts to collect debt not owed Debt was already discharged in bankruptcy and is no longer owed	NJ 08087	Web	Servicemember

08/06/2021	Yes	Debt collection Medical debt	Written notification about debt Didn't receive enough information to verify debt	NJ 07106	Web

07/02/2021	Yes	Debt collection Medical debt	Took or threatened to take negative or legal action Threatened or suggested your credit would be damaged	NJ 07751	Referral

06/08/2021	Yes	Debt collection Medical debt	Attempts to collect debt not owed Debt is not yours	NJ 07042	Web

05/12/2021	Yes	Debt collection Medical debt	Attempts to collect debt not owed Debt was result of identity theft	NJ 07206	Web

05/06/2021	Yes	Debt collection I do not know	Written notification about debt Didn't receive enough information to verify debt	CA 90503	Web

03/02/2021	Yes	Debt collection Medical debt	Attempts to collect debt not owed Debt is not yours	NJ 07050	Web

02/05/2021	Yes	Debt collection Credit card debt	Attempts to collect debt not owed Debt is not yours	NJ 07031	Web

12/01/2020	Yes	Debt collection I do not know	Written notification about debt Didn't receive enough information to verify debt	NJ 07740	Fax

11/23/2020	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt is not yours	NJ 07203	Fax

11/19/2020	Yes	Debt collection Medical debt	Attempts to collect debt not owed Debt is not yours	NJ 07728	Web

11/09/2020	Yes	Debt collection Other debt	Written notification about debt Didn't receive enough information to verify debt	NJ 07052	Fax

11/03/2020	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt is not yours	NJ 07111	Fax

11/03/2020	Yes	Debt collection Other debt	Written notification about debt Didn't receive enough information to verify debt	NJ 07002	Fax

10/27/2020	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt is not yours	NJ 08721	Fax

10/23/2020	Yes	Debt collection Credit card debt	Attempts to collect debt not owed Debt was result of identity theft	GA 30344	Web

10/20/2020	Yes	Debt collection Other debt	Written notification about debt Didn't receive enough information to verify debt	NJ 07036	Fax

10/04/2020	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Public record information inaccurate	NJ 08021	Web

09/08/2020	Yes	Debt collection I do not know	False statements or representation Attempted to collect wrong amount	GA 30030	Phone

07/23/2020	Yes	Debt collection Medical debt	Attempts to collect debt not owed Debt was paid	NJ 07621	Web

06/20/2020	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt was result of identity theft	NY 10029	Web

04/16/2020	Yes	Debt collection Medical debt	Attempts to collect debt not owed Debt was paid	GA 30094	Web	Servicemember

04/07/2020	Yes	Debt collection Medical debt	Attempts to collect debt not owed Debt is not yours	NJ 08205	Fax

02/04/2020	Yes	Debt collection I do not know	Written notification about debt Didn't receive enough information to verify debt	NJ 07043	Web

01/09/2020	Yes	Debt collection Medical debt	Written notification about debt Didn't receive enough information to verify debt	NC 28269	Web

09/27/2019	Yes	Debt collection Medical debt	Written notification about debt Didn't receive enough information to verify debt	NJ 08611	Web	Older American

08/25/2019	Yes	Debt collection Medical debt	Attempts to collect debt not owed Debt is not yours	NY 11374	Web

05/24/2019	Yes	Debt collection Medical debt	Attempts to collect debt not owed Debt is not yours	NJ 07728	Web

05/09/2019	Yes	Debt collection Medical debt	Attempts to collect debt not owed Debt is not yours	NJ 07028	Web

04/24/2019	Yes	Debt collection Medical debt	Attempts to collect debt not owed Debt was paid	NJ 07726	Postal mail

04/09/2019	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Problem with a credit reporting company's investigation into an existing problem Difficulty submitting a dispute or getting information about a dispute over the phone	NJ 07020	Web	Servicemember

03/15/2019	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Improper use of your report Reporting company used your report improperly	PA 18301	Web

03/06/2019	Yes	Debt collection Medical debt	Attempts to collect debt not owed Debt is not yours		Phone

01/15/2019	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt is not yours	DE 19943	Postal mail

12/27/2018	Yes	Debt collection Medical debt	Written notification about debt Didn't receive enough information to verify debt	NJ 07018	Web

11/18/2018	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 Problem with personal statement of dispute	NJ 07107	Web

10/21/2018	Yes	Debt collection Medical debt	Attempts to collect debt not owed Debt is not yours	FL 33073	Web

05/16/2018	Yes	Debt collection Medical debt	Written notification about debt Notification didn't disclose it was an attempt to collect a debt	NY 12569	Web

05/03/2018	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Account status incorrect	NJ 07726	Fax

04/17/2018	Yes	Debt collection Other debt	Communication tactics You told them to stop contacting you, but they keep trying	NJ 07042	Web

03/19/2018	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt is not yours	NJ 07306	Web

02/21/2018	Yes	Debt collection Medical debt	Attempts to collect debt not owed Debt is not yours	NJ 08859	Web

02/06/2018	Yes	Debt collection Medical debt	Took or threatened to take negative or legal action Threatened or suggested your credit would be damaged	NJ 08088	Web

11/30/2017	Yes	Debt collection Medical debt	Took or threatened to take negative or legal action Threatened or suggested your credit would be damaged	NJ 07008	Web

10/20/2017	Yes	Debt collection Medical debt	Attempts to collect debt not owed Debt is not yours	NJ 07605	Web

09/28/2017	Yes	Debt collection Medical debt	Communication tactics Used obscene, profane, or other abusive language	NJ 07003	Web

09/22/2017	Yes	Debt collection I do not know	Written notification about debt Didn't receive enough information to verify debt	NJ 07936	Fax

08/05/2017	Yes	Debt collection Medical debt	False statements or representation Attempted to collect wrong amount	NJ 07036	Web

07/01/2017	Yes	Debt collection Medical debt	Written notification about debt Didn't receive enough information to verify debt	NJ 07103	Web

01/17/2017	Yes	Debt collection Medical	Cont'd attempts collect debt not owed Debt is not mine	NY 10001	Web

12/07/2016	Yes	Debt collection Other (i.e. phone, health club, etc.)	Disclosure verification of debt Not given enough info to verify debt	NY 10566	Postal mail

08/21/2016	Yes	Debt collection Medical	Cont'd attempts collect debt not owed Debt is not mine	NJ 08201	Web	Servicemember

08/15/2016	Yes	Debt collection I do not know	Disclosure verification of debt Right to dispute notice not received	NJ 07470	Web

06/01/2016	Yes	Debt collection Medical	Cont'd attempts collect debt not owed Debt is not mine	NJ 08062	Web

05/18/2016	Yes	Debt collection Medical	Communication tactics Frequent or repeated calls	NJ 07628	Web

04/14/2016	Yes	Debt collection Medical	False statements or representation Attempted to collect wrong amount	PA 19446	Web

02/11/2016	Yes	Debt collection Medical	Cont'd attempts collect debt not owed Debt was paid	NJ 08859	Web

01/18/2016	Yes	Debt collection Medical	False statements or representation Attempted to collect wrong amount	NJ 08816	Web

10/17/2015	Yes	Debt collection Medical	False statements or representation Attempted to collect wrong amount	NY 11238	Web	Servicemember

06/11/2015	Yes	Debt collection Medical	Cont'd attempts collect debt not owed Debt is not mine	NJ 07205	Phone

03/17/2015	Yes	Debt collection Medical	Disclosure verification of debt Right to dispute notice not received	NY 10011	Web

03/07/2015	Yes	Debt collection Medical	Cont'd attempts collect debt not owed Debt was paid	NJ 08054	Web

02/04/2015	Yes	Debt collection Medical	Cont'd attempts collect debt not owed Debt was paid	NJ 07603	Web

12/28/2014	Yes	Debt collection Medical	False statements or representation Attempted to collect wrong amount	NJ 08837	Web

12/18/2014	Yes	Debt collection Medical	Communication tactics Threatened to take legal action	NJ 07082	Web

12/09/2014	Yes	Debt collection Medical	Disclosure verification of debt Not given enough info to verify debt	NJ 07631	Phone

12/04/2014	Yes	Debt collection Medical	False statements or representation Attempted to collect wrong amount	NJ 07081	Web	Older American, Servicemember

11/24/2014	Yes	Credit reporting	Incorrect information on credit report Account status	NY 10013	Postal mail

11/04/2014	Yes	Debt collection Medical	False statements or representation Attempted to collect wrong amount	NY 10025	Web

07/13/2014	Yes	Debt collection Medical	Cont'd attempts collect debt not owed Debt was paid	NJ 07059	Web

06/23/2014	Yes	Debt collection Medical	Cont'd attempts collect debt not owed Debt was paid	NJ 07712	Web

05/16/2014	Yes	Debt collection Medical	Cont'd attempts collect debt not owed Debt is not mine	PA 19120	Web	Servicemember

03/08/2014	Yes	Debt collection Medical	Communication tactics Used obscene/profane/abusive language	DE 19702	Web