Second Round Limited Partnership, Austin, TX Branch CFPB Complaints

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2000 Latest Complaints
Date Received Timely Response Product Issue State / Zip Submitted Via Tags
04/30/2022 Yes
  • Debt collection
  • Credit card debt
  • Attempts to collect debt not owed
  • Debt was paid
  • NY
  • 103XX
 Web
Dear CFBP Team, Second Round Sub , LLC sued me through XXXX, XXXX and XXXX XXXX XXXX XXXX XXXX XXXX for the account of XXXX XXXX XXXX XXXX XXXX XXXX for {$2700.00}. Matter # XXXX File for this case is # XXXX RI. They are not the original creditors but debt collectors. Please note I never seen the full chain of titles/complete bill of sales and review the statute of limitations.. In addtion, this is my third year of unemployment on and off. Ending sick and several debts. It was out of my control the changes of circunstances. Lost my car too by breakdown. I have seek legal assistant through XXXX for advice. They could represent me for a day. But since this was a long process of back and forth with the plaintiff I decided to negotitated. I feel it was a mistake. When I went to the court first citation XX/XX/XXXX at the XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, NY XXXX Plaintiffl lawyer pulled me over and offered me a settlment of {$2300.00} amount to settled the account. It was pretty high for me since I am unemployed. Orignallly the balance was {$2700.00}. I told him I am not working at the present time, but decided to offer him {$900.00} to settled the account without looking at the full chain of titles and the statutes of limitations. He then told to send them the harship of unemployment document and to call themfor the settlement offer {$900.00}, for the office to review. I have sent this info via cerity mail. Then I have called them to follow up and when I spoke with the receptionist she was asking full amount. I told her that was not I spoke in court with plaintiff lawyer. XXXX then provided me an ext for a XXXX. Once I have tranfered, I was sent to the XXXX. I have called several times but I was sent to the XXXX. I didnt heard since from them until I follow up on the second court citation XX/XX/XXXX at XXXX XXXX XXXX XXXX XXXX XXXX met the plaintiff lawyer again sayed the that office rejected the offer of {$900.00} and rejected the harship doc and they will accept the amount of {$2100.00} to settled the case. I accept the offer under my unemployment circunstance and several other debts on the side. SInce I am accepting the officer, I told the plaintiff lawyer I want to request in court Stipulation of Settlmenent Agreement. The judge gave me 30 days to pay this. In addtion, once the stipulaiton settlment agreement was reviewed in front of the judge I did request to add the account since was not there but the file # and making sure the deletion of XXXX XXXX XXXX is included. They gaved me 30 days. I have borrowed the money from my mother and sent them the settlement payment via XXXX Mail using a PLS Check. I have able to confirmed that they not only received the settlement payment check on XX/XX/XXXX at XXXX, but the check was immediatelly cashed after investigate with PLS check cashing. As of today they did not remove this account from all my credit reports. They did not keep their word by court that they were going to delete this account from all my credit reports once the FINAL PAYMENT is received. That never happened. The account still reflecting in all my credit reports hurting my score. After all my sacrifices and efforts to solve this account., They did not keep their word by court that they were going to delete this account from all my credit reports after payment. I have also find out this is an expired an account. The creditor or debt collector can't sue a debtor to collect the debt. In addtion by the law I am exempt due to unemployment. Also in XX/XX/XXXX, XXXX. XXXX XXXX signed a new legislation to cut the statute of limitations from six years to three years. Technically this account passed the statute of limitations and should be delete it from all credit reports besided that this already been settled and in court request deletion of this account. Please see the enclosed proof of XXXX of XXXX XXXX including court documents, tracking and copy of check for your review. It is putting in a position to file a bankrupcy as a final. This is the reason that I have no more choice but to report it to the FTC and CFPB. A banrupcy is in mind to erasing this through XXXX XXXX XXXX and starting again.
05/18/2018 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
  • Their investigation did not fix an error on your report
  • VA
  • 23237
 Web
I am writing to file an complaint against XXXX, XXXX and Second Round, LP for : Failing to keep accurate tradeline on my credit report, Refusing to provide Method ( s ) of Verification and information requested by me. Refusing to remove inaccurate tradelines when Second Round LP, did not provide sufficient requested info to back up their claim of alleged debt. XX/XX/XXXX I submitted a dispute with XXXX XXXX XXXX on XX/XX/XXXX I received a letter in response to my request for validation of said debt ; this notice listed XXXX XXXX as the original creditor and second round Lp as the current creditor with new account number XXXX ; listing the account open dateXX/XX/XXXX. In reponse to this onXX/XX/XXXX a request for validation was sent to second round Lp. After reviewing my credit report The issue of inaccurate negative trade lines submitted by Second Round, LP is still being reported. On XX/XX/XXXX I contacted them via phone and was alerted that the said debt had been Transferred to XXXX XXXX XXXX. Second Round LP, did not provided any solid documents to back up their claims. Second Round LP, was not the original creditor and they claimed they purchased this alleged account in XX/XX/XXXX Second round/ XXXX failed to provide any valid affidavit ( s ). XXXX & XXXX further let Second Round LP to make another/ recent entry to mark " OK '' Current status, next to section 30 days late/ 60 days/ 90 days late, as " an new information '' / reply to my dispute. I did not make any payment to Second Round LP ever. This company, Second Round LP, which I hold no contract with nor have received any goods or services from, coninues to report collection accounts against my social security number in the amounts of {$3000.00} to XXXX & XXXX credit reporting agencies. I requested verification and validation of the alleged debts from both the credit agencies and Second round however the business failed to provide adequate proof/validation. This business does not have and has never had contracts with me for goods or services. They have not provided adequate proof of any obligations to pay the alleged debts. Account level detail and billing information is not valid proof of a contract. Where is the binding contract showing that I allegedly owe these debts? This company is in violation of the Fair Credit Reporting Act because they are reporting inaccurate and invalid information to the credit bureaus under my social security number. I demand that they remove all accounts from my credit report immediately, and cease all reporting in the future. Second Round LP is in violation of the Fair Debt Collection Practices Act because they are trying to deceive me by providing non verifiable and invalid information in order to collect money on debts that they are alleging to be mine without any contractual proof. This company did NOT provide me with a copy of any signed contracts for goods and services. I would like to have the inaccurate negative tradelines submitted by Second Round LP, to be removed from my credit report. Thank you.
05/16/2015 Yes
  • Debt collection
  • I do not know
  • Disclosure verification of debt
  • Not given enough info to verify debt
  • CA
  • 92101
 Web
( Below is the last correspondence I sent to the company ) This Letter shall serve as formal notice of my Intent to file a lawsuit against your company, due to your blatant and objectionable disregard of the law. In correspondence dated XXXX, you received a demand for validation and cease communication letter from me delivered to you via certified mail. Your response dated XXXX failed to provide me with validation and instead asked that I provide you with information. The FDCPA states you must cease collection activity until you have produced validation of the alleged debt if so requested. As per the FTC, this includes reporting to the credit bureaus, which you obviously have done illegally. It is quite evident that no such proof of this alleged debt exists or you would have provided it by now. I 'm sure you are aware of the consequences in violating the Fair Credit Reporting Act and the Fair Debt Collection Practices Act as well as the multiple violations your company is now responsible for. If not, let me point them out for you. FCRA1. 623. Responsibilities of furnishers of information to consumer reporting agencies [ 15 U.S.C. 1681s-2 ] ( a ) ( 3 ) - Duty to provide notice of dispute. 2. 611. Procedure in case of disputed accuracy [ 15 U.S.C. 1681i ] ( 5 ) Treatment of inaccurate or unverifiable information. FDCPA1. 805. Communication in connection with debt collection [ 15USC1692c ] ( c ) Ceasing Communication2. 809. Validation of debts [ 15 USC 1692g ] As per the FDCPA : 813. Civil liability [ 15 USC 1692k ] ( a ) Except as otherwise provided by this section, any debt collector who fails to comply with any provision of this title with respect to any person is liable to such person in an amount equal to the sum of -- ( 1 ) any actual damage sustained by such person as a result of such failure ; ( 2 ) ( A ) in the case of any action by an individual, such additional damages as the court may allow, but not exceeding $ 1,000If you wish to resolve this matter, this will be your last opportunity to do so. The account must be deleted from my credit files with the XXXX major credit reporting bureaus ( XXXX, XXXX, XXXX XXXX and XXXX ) within XXXX weeks of your receipt of your receipt of this correspondence and you forward a letter stating the item will be removed and will not reappear on my credit reports again by you or another collection agency. If you fail to remove the account, I will be filing a lawsuit for multiple violations of the Fair Credit Reporting Act and The Fair Debt Collection Practices Act. I will be seeking civil liability in the amount of {$1000.00} per violation. Please also be aware I will file a formal complaint with the Federal Trade Commission, The California Attorney General 's Office. Thank you and I look forward to resolving this most expeditiously.
10/27/2017 Yes
  • Debt collection
  • I do not know
  • Communication tactics
  • You told them to stop contacting you, but they keep trying
  • TX
  • 76210
 Web
Collection XXXX XXXX XXXX XXXX XXXX XXXX Called XXXX/XXXX/XXXX, XXXX XXXX left no message. I called back at XXXX XXXX and instructed XXXX instructed me they were working on behalf of Second Round in an attempt to collect a debt.I told XXXX not call my number again or any number he may have associated with my name or account. I then provided XXXX XXXX XXXX name and phone number ( my Attorney ) and ask he contact him directly. He said OK and thanked me for calling. Today is day two since their first call and I have yet to receive anything in writing from Second Round or XXXX XXXX XXXX XXXX XXXX in regards to any debt that I may owe. Its my understanding that under the FDCPA they must supply documentation by day 5. My credit report was pulled by XXXX XXXX XXXX on XXXXsoft pull. Today XXXX and still have not received any documentation from anyone concerning a debt I owe. . Today XXXX/XXXX/XXXX Debt collector XXXX XXXX called ( XXXX ) but left no message. XXXX/XXXX/XXXX I returned the miss call and they stated they were working on behalf of Second Round and attempting to collect a debt. I told them to speak with my lawyer and gave the info to them. I followed up and emailed Second Round informing them they were in violation of the FDCPA for having their collection network call after being advised I had an Attorney and to only call him and no longer attempt to contact to me. XXXX/XXXX/XXXX. My credit report was pulled by XXXX on XXXXsoft pull. XXXX/XXXX/XXXX ( XXXX ) XXXX XXXX called. I returned the call advising them that they had violated the FDCPA rule and XXXX comment was that it was a mistake, she was not trying to call me, it was just that I was in their system. She did acknowledge that she had violated the rule. Also, today XXXX/XXXX/XXXX, I have yet to receive any documentation from any debt collector in regards to any debt. My understanding is no later than five days after a collection call, its required that the collector send a letter describing the debt. XXXX/XXXX/XXXX, yet to receive ANY documentation. XXXX/XXXX/XXXX pulled credit report and noticed recently Second Round had placed a collections account and derogatory mark on my credit report causing my score to fall 22 points. Again, I have never received any account info, debt owed or any other communication from a debt collector in writing that I owed this debt. As noted, I believe Second Round ( the main collector ) violated the FDCPA by calling after advising them of my Attorney and providing his contact number. I also believe my rights were violated when five days expired and I did not receive any documentation following their calls. Today ( XXXX ) I have not received one single letter from any debt collector including Second Round, XXXX XXXX XXXX XXXX or XXXX XXXX in regards to any debt whatsoever.
07/07/2016 Yes
  • Debt collection
  • Credit card
  • Improper contact or sharing of info
  • Talked to a third party about my debt
  • GA
  • 30294
 Web
I have asked for validation and verification on several occasions and these individuals have not been able to validate and verify pursuant to 15USC1692g, and 15USC1681. This DEBT COLLECTOR SECOND ROUND SUB LLC or any of their constituents have not been able to give me anything that substantiates information I have asked for. So this DEBT has sufficiently been disputed. This DEBT COLLECTOR SECOND ROUND SUB, LLC., has sent dunning letters saying I owe them money because they obtained information from another individual. These individuals have put entries into my personal credit reports and they have been successfully disputed but they still show up as my account. I did not give them my private non-public information so I do not appreciate this being sold to this CORPORATION according to the FDCPA accounts ca n't be sold. This is IDENTITY THEFT PURSUANT TO 16CFR603.2. They do not have the authority to go into my credit report and put in anything that is why they must stop this non-sense. I have asked these DEBT COLLECTORS to CEASE AND DESIST contacting me but they continue to do so. They have harmed my consumer purchasing power which is the natural person pursuant to the ( FDCPA ) Fair Debt Collection Practices Act 15USC1692c, d, e, f, g, and j respectively. I am not in COMMERCE where the Person is buying from one CORPORATION TO ANOTHER for BUSINESS with another CORPORATION. I have contacted this DEBT COLLECTOR on several occasions and they continue to contact me with their blatant attacks on my character, and i am feeling ashamed, embarrassed, abused and I do not sleep much because of my Credit Report being torn apart just because I want to secure things for my personal, family or household use.. I did not give my permission for this DEBT COLLECTOR SECOND ROUND SUB, LLC., to contact me pursuant to 15USC1692c. I never asked this DEBT COLLECTOR ONLINE COLLECTIONS INC to open up any account in my name with my Social Security Number or any of that. This Debt Collector needs to Cease and Desist Collecting on something that I do not owe them. This Debt Collector continues to try to get me to contract with them. I did not agree to have my information shared with this DEBT COLLECTOR SECOND ROUND SUB, LLC., this is aiding and abetting with another to commit fraud on the Consumer who is a natural person is a crime. THIS DEBT COLLECTION AGENCY ONLINE COLLECTIONS DID SHARE THIS INFORMATION WITH ALL XXXX CREDIT REPORTING AGENCIES. Because I did not contract with this DEBT COLLECTOR PLEASE DELETE THIS ERRONEOUS, INACCURATE INFORMATION OUT OF MY CREDIT REPORT. A DEBT COLLECTOR CA N'T PUT INFORMATION IN A CREDIT REPORT UNLESS THE CONSUMER HAS CONTRACTED WITH THEM WHICH I DID NOT DO.
06/21/2017 No
  • Debt collection
  • Auto debt
  • False statements or representation
  • Impersonated attorney, law enforcement, or government official
  • IN
  • 460XX
 Web
I was contacted by XXXX XXXX at XXXX XXXX XXXX advising they were trying to collect on a debt of mine prior to it going to garnishment status. XXXX XXXX stated what the debt was for my green XXXX that had gone back to the bank, and this was for remainder of debt. She advised I could make a lump payment and set up payment arrangements my debt would not continue to garnishment status. She advised that I needed to pay {$540.00}, and payment arrangements for {$220.00} monthly to keep debt out of garnishment. I advised XXXX XXXX I was off on XXXX XXXX XXXX at the time but would try to see if I could get money together. XXXX XXXX called back following week to inquire about payment. OnXX/XX/XXXXI authorization a payment of {$540.00} against my debt on XXXX She advised she would call back next month to finalize payment arrangements, as I might have a better idea when I would be back to work. Approximately 2-3 weeks later I received paperwork to go to court concerning debt. I called lawyer on lawsuit who advised that they have not received any money against debt. I gave her information, and she advised that they do not use outside collection agencies, and it was likely fraudulent. I contacted XXXX XXXX who said " it has n't even been 30 days, I do n't know why that would happen ''. She advised it may have possibly been because payment arrangement was n't finalized. She asked for lawyers name/number and advised she would call back. Received no call back, so called company back. XXXX advised XXXX XXXX was not in, and she would leave message for XXXX XXXX. She also advised that sometimes these companies do not know who collects for them. I called XXXX XXXX XXXX XXXX several times, in which I was told message would be forwarded to XXXX XXXX supervisor. Called several more times with no answer. Finally reached an associate XXXX on XXXX/XXXX/XXXX he advised I needed to talk to the payment department and transferred me. I called daily from that point on with no answer. I contacted my bank and advised I needed a dispute form. During that time I moved, and dispute form was misplaced. Bank sent letter advising dispute was closed. I contacted bank and asked for new dispute form and changed address on record. Did not receive new dispute form. Contacted bank again who advised that I needed to come in to branch to file complaint. Contacted bank to check on status of dispute. Bank advised too much time had passed and could no longer pursue claim. Payment was listed as going to XXXX client services in XXXX, GA. The phone number for XXXX XXXX XXXX XXXX was XXXX XXXX XXXX XXXX which is now disconnected.
02/15/2022 No
  • Debt collection
  • Credit card debt
  • Written notification about debt
  • Didn't receive enough information to verify debt
  • MN
  • 55122
 Web
SECOND ROUND LLP has been harassing me on several occasions over the past year to try and collect debts. They purchase debts from mainly XXXX XXXX but there are others and then attempt to get the money from the consumer in a sterner formatted letter and if you dont respond accordingly, they have a law firm they work with ( XXXX XXXXXXXX XXXX ) that then garnish your wages in which they did to me on one occasion in the last six months and made other attempts but didnt succeed. They first came to me about 6-8 months ago and attempted to garnish my wages and hadnt even sent me anything AT ALL! When my HR person contacted me telling me they received a legal letter to garnish my wages abs I freaked out because I didnt know what it was. I about fell out of my chair, both in sick and embarrassment. This was a new job and I am XXXX! When I reached out to them and threatened them to stop because they hadnt even informed me, they retracted immediately. However, about three weeks later i got something in the mail and my company received another formal letter to garnish my wages in which they had to. From then on it got worse and NONE of the attorneys would speak to me or take my calls and the only people that do are customer service and theyre completely rude and sarcastic and dont care that your whole world is being turned upside down. They claim you need to speak to an attorney and yet you never get through to one.I became so frustrated and told them I paid these balance ( s ) or that they werent even mine but it didnt matter at that point. When I reached out to the credit card company they dont even know who SECOND ROUND LLP is and many arent sure how its getting to this connection agency. The one debt from XXXX, the person felt terrible but couldnt help me at that point because it has been sold to Second Round. I tried explaining this wasnt even my debt it was listed under my ex husbands name but it just didnt matter at that point. They then had the law firm garnish my wages at over 40 %! Im a single Mom and have XXXX daughters that are XXXX and they take daily medications. I ended up paying it and it cost nearly {$1000.00} more with the fees from their firm. Totaling like nearly {$3000.00}. And the original debt was {$1600.00}. Now, theyre coming at me again for a ANOTHER DEBT that is from XXXX, over six years. A XXXX XXXX XXXX in the amount of {$3800.00} and I honestly cant take it!! They will be threatening my new job AGAIN by garnishing my wages and I wont be able to pay my bills and live when they do that! They have to STOP! Its killing me and my family! PLEASE SOMEONE HELP!!
05/25/2022 Yes
  • Debt collection
  • Credit card debt
  • Attempts to collect debt not owed
  • Debt was paid
  • NY
  • 103XX
 Web
I want to add additional comment and complaint against Second Round Sub LLC. Their response below clearly state that they are not a credit agency and that I have to communicate with XXXX XXXX to follow up. However, after XXXX XXXX XXXX XXXX response in a letter, clearly states that the account was SOLD to XXXX XXXX XXXX on XX/XX/XXXX and that I should contact them directly to XXXX. Whom should I go then for the request of the deletion of this account after been settled? I have proof of Stipulation of Settlement Agreement, proof of Stipulation of Discontinuance of action, proof of payment. Now I have find out no agency can sue me if a XXXX has been expired specially under unemployment circustances. This is something that need to bee investigate. As of XX/XX/XXXX, XXXX XXXX has a three-year statute of limitations on many kinds of consumer debts, including credit card debts ( XXXX Civil Practice Law and Rules section 214-i ). If someone were sued on a credit card debt on or after XX/XX/XXXX, and the last payment on the credit card was more than three years ago, this person likely have the defense that the statute of limitations has expired. If the statute of limitations has expired, the court must dismiss the lawsuit. XXXX XXXX response on previous complaint # XXXX : XXXX XXXX appreciates the opportunity to respond to XXXX XXXX 's concerns. The account she references in her notice was an XXXX XXXX XXXX originally issued by XXXX XXXX. The account was opened on XX/XX/XXXX and was charged off by XXXX XXXX on XX/XX/XXXX. The last payment made on this account prior to chargeoff was made to XXXX Bank on XX/XX/XXXX. XXXX XXXX purchased this account on XX/XX/XXXX. Please be aware that XXXX XXXX is not reporting to XXXX XXXX 's credit report. XXXX XXXX is not a credit reporting agency. Because of that fact I can not make any judgement as to what is showing on XXXX XXXX 's credit report. She maXXXX wish to contact the original creditor to determine if they have any reporting on the account. XXXX Bank can be reached at : XXXX. Attached to this response is a Release of Claim letter XXXX XXXX requested, indicating that the account is closed in our files and that XXXX XXXX has no further obligation to XXXX XXXX I am unable to mail the letter as we do not have a current address for XXXX XXXX. The address provided in this complaint appears to be a commercial address. However if she would contact our offices to provide a current address I can send a copy to her home as well. She can reach us at : XXXX. Please let us know if there is anything further needed for this matter.
06/01/2019 Yes
  • Debt collection
  • Credit card debt
  • Attempts to collect debt not owed
  • Debt is not yours
  • MI
  • 493XX
 Web
Please be advised that I, XXXX XXXX, represents the interest of the Estate of the enclosed named private man and consumer ( Natural Person ). This writing constitutes notice to you SECOND ROUND LLC of the undersigned 's claim against you and demand for damages pursuant to 15 USC 1681n ( a ) ( 1 ) ( A ) and 15 USC 1692k ( a ) ( 2 ) ( A ) respectively. The facts giving rise to this claim are as follows : Count 1 SECOND ROUND LLC is a debt collector who has regularly furnished adverse/negative information about this consumer to one or more consumer reporting agencies ( third persons ) and therefore is subject to the FCRA SECOND ROUND LLC is obligated to comply with 15 USC 1681s-2 ( a ) ( 7 ) ( A ) ( I ) when furnishing negative/adverse information to a consumer reporting agency. SECOND ROUND LLC furnished adverse/negative information about this consumer to XXXX, XXXX and XXXX. SECOND ROUND LLC has a duty to this consumer to provide this consumer with a written notice prior to, or no later than 30 days after, furnishing the negative information to a consumer reporting agency. This consumer has yet to receive a written Notice of negative/adverse information from SECOND ROUND LLC and the time allotted for doing so has since expired. SECOND ROUND LLC has incurred statutory liability under the FCRA as a direct result of its failure to comply with the above mentioned title and section. COUNT2 SECOND ROUND LLC is a debt collector as defined within the Fair Debt Collection Practices Act ( hereinafter FDCPA ) ( see 15 U.S.C 1692 a ( 2 ) SECOND ROUND LLC is subject to regulation and liability under the FDCPA SECOND ROUND LLC is obligated to this consumer with a NOTICE OF DEBT ; CONTENTS as propounded within 15 U.S.C 1692g ( a ) ( 1 ) ( 2 ) ( 3 ) ( 4 ) ( 5 ). SECOND ROUND LLC has failed to comply with the Notice Requirements set forth within 15 U.S.C 1692g Validation of Debts, specifically paragraph ( a ), subparagraphs ( 1 ) ( 2 ) ( 3 ) ( 4 ) ( 5 ). SECOND ROUND LLC has failed to apprise this consumer of his right to dispute and request validation of the information being communicated by it to XXXX, XXXX and XXXX. SECOND ROUND LLC has incurred liability under the FDCPA as a direct result of its failure to comply with the above mentioned title and section. ( See 15 U.S.C 1692k ( a ) ( 2 ) ( A ) ) These are just to name 2 violations. Second Round LP is guilty of many more FDCPA violations.
08/02/2017 Yes
  • Debt collection
  • Credit card debt
  • Attempts to collect debt not owed
  • Debt is not yours
  • MD
  • XXXXX
 Web
I am writing in response to a collection company ( Second Round LLC ) that is reporting an alleged debt ( # XXXX ) on my credit report that they have not, to date, been able to provide me with supporting legal documentation stating that ( 1 ) the debt belongs to me ( 2 ) the fact that they have the legal authority to collect anything from me. I have sent this company debt validation request multiple times, disputed this alleged account with XXXX, XXXX and XXXX when I first received correspondence from them in 2016. In return, ( Secound Round LLC ) sends me an acknowledgement of my request for validation and ask for me to supply " their company '' with documentation of my personal information in order to validate this account. I 'm baffled because I do n't understand, how they are validating the information with the credit Bureaus but do n't have the information?! This derogatory information remains on my credit report to date without being validated. How does this happen? How is that even possible? I initially disputed the information with Second Round LLC back in 2016 requesting debt validation to include the alleged balance and calculation from the opening to the closing of this account, it being sold or transferred, proof that the account is correct and information that the statute of limitations are valid with the alleged account and have not expired, signed documents showing that I agreed to pay this debt and agreement that grants them the authority to collect this debt. To date, I have not received any legal obligation from them that I am responsible for this debt. The company in question Second Round LLC, has been unable to provide me with any form of legal validation. This is inaccurate information and therefore ; according to the law should be deleted from my report because it has not been validated by the company actually providing the information. I would like to note that since submitting a complaint about this company ( for the 2nd time ) to CFPB and the BBB, this inaccurate and erroneous information appears to have been deleted from my XXXX file but not my XXXX credit file. I am asking for a complete removal of this account from the remainder of my credit report immediately. Per the FCRA, the credit bureau is required to report timely and accurate data and any inaccurate information that can not be validated should be deleted.
08/14/2017 Yes
  • Debt collection
  • Credit card debt
  • Written notification about debt
  • Didn't receive enough information to verify debt
  • VA
  • XXXXX
 Web
XXXX XXXX XXXX. Is continuing to report. Debt on my credit report and has failed to send a statement validation of the debt, the charges that were and to whom. I have sent many time requesting this information including a previous complaint through CFPB and they claim to contact the original creditor and obtain validation that the debt. I have contacted the original creditor and they do have any information on the account XXXX XXXX aka XXXX XXXX and referred me to the debt buyer. I need this information so for reasons the orginal creditor has taken payment history off my credit report recently and should be removed because it inaccurate and the collection agency should be removed because they have no information to provide me. For example, I 'd like to know the last time the card was used and the amount and how many payments were made, and why after the last payment was made did the creditor charge off the account after I explained my checking account was compromised by check fraud and I provided a new account # for payments to be withdrawn auto pay. I am asking for both companies to send documents to verify the amount and payments made, because there was a refund issued to the account and was not applied and over {$320.00} dollars of the {$770.00} balance is interst fees illegally added after the account was charged off. So with the refund by the animal hospital and the interest charges and the last payment I made and the account being charged off the following month both companies are in violation of my rights. I want then removed from my report as well as I want to seek monetary damages because of violating my rights under the Credit Transaction act as well as FCRA as the collection agency never sent a document allowing me 30 days to dispute the debt back I 'm XX/XX/XXXX, and XX/XX/XXXX in a dispute I received a handwritten statement and illegible piece Paper that only showed an amount, not a statement from " XXXX XXXX " Recently XXXX XXXX erased the date and amount the of last a payment and deleted the account late for 120 days in XX/XX/XXXX and 120 day in XX/XX/XXXX which I explained to XXXX this did not make sense.
07/26/2017 Yes
  • Debt collection
  • Credit card debt
  • Attempts to collect debt not owed
  • Debt is not yours
  • MD
  • 20746
 Web
I am writing in response to a collection company ( Second Round LLC ) that is reporting an alleged debt ( # XXXX ) on my credit report that they have not, to date, been able to provide me with supporting legal documentation stating that ( 1 ) the debt belongs to me ( 2 ) the fact that they have the legal authority to collect anything from me. I have sent this company debt validation request multiple times, disputed this alleged account with XXXX, XXXX and XXXX when I first received correspondence from them in 2016. In return, ( Secound Round LLC ) sends me an acknowledgement of my request for validation and ask for me to supply " their company '' with documentation of my personal information in order to validate this account. I 'm baffled because I do n't understand, how they are validating the information with the credit Bureaus but do n't have the information?! This derogatory information remains on my credit report to date without being validated. How does this happen? How is that even possible? I initially disputed the information with Second Round LLC back in 2016 requesting debt validation to include the alleged balance and calculation from the opening to the closing of this account, it being sold or transferred, proof that the account is correct and information that the statute of limitations are valid with the alleged account and have not expired, signed documents showing that I agreed to pay this debt and agreement that grants them the authority to collect this debt. To date, I have not received any legal obligation from them that I am responsible for this debt. The company in question Second Round LLC, has been unable to provide me with any form of legal validation. This is inaccurate information and therefore ; according to the law should be deleted from my report because it has not been validated by the company actually providing the information. I am asking for a complete removal of this account from all three of my credit reports immediately. Per the FCRA, the credit bureau is required to report timely and accurate data and any inaccurate information that can not be validated should be deleted.
01/27/2023 Yes
  • Debt collection
  • I do not know
  • Attempts to collect debt not owed
  • Debt is not yours
  • OK
  • 74804
 Web
I was served by Second Round LLC on XX/XX/XXXX about a debt that I didn't recognize. The document included a Bill of Sale to Second Round Sub LLC that said it was effective as of XX/XX/XXXX ( but wasn't signed until XX/XX/XXXX ). The description of the portfolio or package was redacted on the document I received. It also did not include who the Seller was, except for a signature that noted his title was XXXX. This was for a XXXX debt evidently, and the last payment listed was XX/XX/XXXX. I also have a date of XX/XX/XXXX for " Charge Off Account - Principals '' and " Charge Off Account " Finance Charges. '' I was able to find all of my previous XXXX charges, and I can't find these payments listed. Also, my XXXX credit account has been closed so I can't verify if the account number belongs to me. Also, XXXX still has my maiden name because I've had issues updating it, but these records have my married name. When I first received the summons, I responded on XX/XX/XXXX with an answer. I never heard anything back after this answer until yesterday, when I got a court date for XX/XX/XXXX. I called Second Round back when I was first served and they didn't have a record of me that corresponded to my social security number or date of birth, so they said it was probably sent to the wrong person. Then after I received the court date, I called them again and they gave me the same information but also that my address was listed for them. They gave me a number for XXXX XXXX XXXX. I wrote them a contact note and have tried calling multiple times ( I left XXXX voicemail ) but I get sent straight to voicemail every time. They also included a Status Report Pursuant to Servicemembers Civil Relief Act, which has my first and last ( married ) name but the last XXXX of the XXXX and the XXXX are redacted. When I tried to call the XXXX 's contact number to ask them to look up the certificate ID, I got a busy line every time. I have no way to truly verify if this debt belongs to me, but I am still being summoned in court after a year and a half of silence in regards to my answer.
01/11/2022 Yes
  • Debt collection
  • Credit card debt
  • Took or threatened to take negative or legal action
  • Sued you without properly notifying you of lawsuit
  • AR
  • 72701
 Web
XX/XX/2021 I was served with a lawsuit filed by SECOND ROUND SUB LLC. I was blindedsided, first I had never heard of second round sub LLC or their allegations. I was sent nothing from Second round sub LLC or the law firm they are using to bypass the laws regarding debt collector lisensing. Nothing was sent to me prior to the lawsuit papers. Nothing sent by second round sub LLC or their hired law firm XXXX XXXX XXXX. I confirmed SECOND ROUND SUB LLC, IS NOT LISENSED TO collect or obtain a debt for collection on a Arkansas resident. I have found mixed interpretations on this Arkansas law, it looks like there is a grey area, these type third party debt collection agencies are abusing that grey area to file lawsuits on thousands of unexpecting Arkansas residents. Most of these civil cases end in a default judgement and the debt buyer then legally robs the individual for whatever amount they have made up and stuck in a baseless lawsuit. It's awful! it's criminal and must get regulated. Something has to be done. Look at the Arkansas civil court dockets. It's overwhelming packed with lawsuits as I just described. Consumers need to understand just because a third party debt collector says something in a lawsuit DOES NOT MAKE IT FACT. Not by a long shot. In my case, I absolutely deny what they are aledging, I know there is no factual evidence, because the allegations never happened. This has to stop. When a company is using a law firm to come after unexpecting individuals, they are using the courts as a weapon and it's threatening and can be very intimidating to a individual. Third party " junk debt buyers '' entire business model is based on default judgements! Where is the justice in this! It's twisted into legal robbery! Throwing hundreds of thousands of individuals and their families into bankruptcy, homelessness, a wide variety of negative impacts by this " grey area " and these business models set up to abuse it. I am filing a complaint on second round sub LLC with you and the with the Arkansas debt collector lisensing agency.
09/12/2022 Yes
  • Debt collection
  • Credit card debt
  • Attempts to collect debt not owed
  • Debt was paid
  • WI
  • 53546
 Web
In XXXX of XXXX, i received a letter from XXXX XXXX, advising me of a debt that is owed. I called, set up a payment plan, paying 50 % down, and the rest in a series of payments. A week later i was able to come up with the funds, and called them to just resolve the remainder owed. I set up a check by phone in XXXX of XXXX and paid the balance. I never received a receipt for either payment, and didn't hear from them again. Until i received a letter in the mail in XXXX of XXXX stating i still owed the other half of the balance. i called right away to let them know i paid this. The person i spoke with stated she will notate my account as disputed and if they need to contact me they will. I didn't hear anything more from them until XXXX of XXXX when i was served court paperwork. I called them again to find out what had happened with my dispute and the fact that this was paid. They told me that the check in XXXX of XXXX for the 2nd half was returned as not authorized. I never received anything from my bank or from them informing me the payment didn't go through. They have violated so many FDCPA laws by not contacting me back about my dispute, my payment that " didn't '' go through, and then after i paid it 2 weeks ago- they still have not dismissed my court date which is still showing in 2 days as active. I called today to find out why this hasn't been dismissed and they advised it is my responsibility to handle the court case. I again don't have a receipt showing payment in full, so i don't have any ability to show the courts that this has been resolved. This company has made my life XXXX. I have done everything the right way, and yet here i am still having to take care of their mishandling of things. i have sent 3 complaints online, and none have been acknowledged. I asked to talk with their compliance dept and was refused. They said they would have someone call me. Something needs to be done with this company and their treatment of consumers. I paid my bill and i am still having to deal with everything.
02/22/2020 Yes
  • Debt collection
  • I do not know
  • False statements or representation
  • Impersonated attorney, law enforcement, or government official
  • AL
  • 356XX
 Web
This company Second Round LP 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. Futhermore, 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.
08/16/2023 Yes
  • Debt collection
  • Credit card debt
  • Took or threatened to take negative or legal action
  • Seized or attempted to seize your property
  • PA
  • 159XX
 Web Servicemember
I have diligently made numerous attempts to establish communication with the esteemed legal entity of XXXX, XXXX XXXX XXXX, XXXX, through their designated online portal, with the intention of orchestrating equitable and rationalized payment arrangements. Regrettably, my persistence has waned, prompting this communication. It is paramount to note that I conscientiously conveyed my circumstance of international occupational obligations, warranting the employment of this virtual channel as my optimal means of contact. In a disconcerting development, I found myself subjected to legal proceedings by the aforementioned entity in relation to a debt that had been duly expunged from my credit dossier by virtue of the efforts undertaken by Second Round Sub , LLC. This expungement was the result of an acknowledged error, subsequently mandating its erasure as per the provisions of pertinent legislation. Astonishingly, XXXX, XXXX XXXX XXXX, XXXX, appear to have maintained an audacious interpretation of their legal prerogatives, persisting in their endeavor to recover the aforementioned debt. I am compelled to admit that, despite my reservations, I have acquiesced to their assertions. However, it is of considerable concern that my earnest overtures have met with conspicuous silence on their part. Curiously, this silence seems to be in stark contrast to their apparent diligence, as evidenced by the dispatch of two instances of " Interrogatories in XXXX of Execution. '' These inquiries, probing into my financial, real estate, and business affairs, materialized subsequent to my return to the United States. It is with a sense of unease that I apprehend the notion that XXXX, XXXX XXXX XXXX, XXXX, XXXX be exhibiting a disregard for the genuine predicament at hand, thereby culminating in practices that are perceived to be inequitable and discordant with principles of just commerce and jurisprudence.
07/01/2018 Yes
  • Debt collection
  • Credit card debt
  • Attempts to collect debt not owed
  • Debt was paid
  • NY
  • XXXXX
 Web
I have sent in several complaints in regards to this same debt that has changed hands numerous times with incorrect information. The original debtor was XXXX changed to XXXX transferred to several other collection agencies now with Second Round LP. This was a XXXX 's XXXX, XXXX 's sold to XXXX XXXX. XXXX 's sent me defective merchandise and when their workers came to pick up, they left merchandise ( mattresses ) on the curb outside my apartment building in XXXX, which is against the law in XXXX. I contacted XXXX 's as I had to pay {$500.00} to immediately have removed myself, as well as issues with refund to my card due to their drivers not bringing back merchandise. Ultimately, XXXX 's corporate stated the matter was corrected and my account was current and I asked for it to be closed. Apparently, this was not communicated to XXXX later XXXX and once transferred collections started. I have repeatedly asked for itemized bills from all parties and no one will send out to me. I reported all my credit cards stolen in XX/XX/XXXX and sent police report to all my credit card companies etc, which is still being reflected on my credit reports by XXXX on other accounts. However, Second Round LP is not only reporting me as owing {$2400.00} but stated that I made a purchase in XX/XX/XXXX, when even Synchrony sent letter via CFPB stating that last purchase was XX/XX/XXXX. Also, Second Round LP is reporting on XXXX that I made a payment in XX/XX/XXXX, which is absolutely false. I do not owe anything on this matter and I again ask for itemized bill so that I may determine what they are trying to state that I owe. Second Round LP stated that they do not have an itemized bill and I have to contact the store to obtain one. What store am I supposed to contact if I have no idea what the charges are.
12/28/2015 Yes
  • Debt collection
  • Credit card
  • Disclosure verification of debt
  • Not given enough info to verify debt
  • NJ
  • 082XX
 Web
I have been contacted by various agencies to collect a debt for XXXX Bank. I found out it was XXXX. I have two years of certified reciepts trying to get debt validation.I was contacted recently by a law firm XXXX XXXX XXXX. They represented to me they were acting on behalf of XXXX Bank. They were dishonest. They were acting on behalf of a debt buyer- Second Round LP. I contacted the CEO XXXX XXXX of XXXX Bank and filed a recent complain with the State of New Jersey. After I told XXXX XXXX I was doing this he sent me verification he did not represent XXXX Bank but a debt buyer. All of his communication say XXXX Bank. He disclosed via mail on XXXX that Second Round LP bought XXXX accounts ( charge offs ) for {$18000.00} or {$2.00} per account. He was representing a debt buyer not XXXX Bank. I further contacted Second Round LP on XXXX/XXXX/15 and they would not give me any information except to tell me that a XXXX in Georgia had the debt and I had to contact them. I am very uncomfortable with the deceptive practices of Second round LP, XXXX XXXX XXXX and XXXX XXXX XXXX law form. They were acting as if they were representing a bank when the bank had charged the account off an they were debt buyers. I have gone above a reasonable expectation to get debt validation. I am in contact with XXXX Bank at this moment but very concerned about what I believe is misrepresentation and scare tactics, bullying by the above companies.I have a long paper trail to support my statements. I noticed that Second Round LP placed a deragotory item on my XXXX report in XX/XX/2015.The attorney named above XXXX XXXX XXXX XXXX XXXX sent me an email stating that was untrue. I have since given him a copy and asked it be removed immediately. I have a copy of this as well.
08/23/2017 Yes
  • Debt collection
  • Credit card debt
  • Written notification about debt
  • Didn't receive enough information to verify debt
  • VA
  • 22554
 Web
I did not a request for verification or proof of my mailing address, but a request for VALIDATION made pursuant to pursuant to the Fair Debt Collection Practices Act, 15 USC 1692g Sec. 809 ( 8 ), stating your claim is disputed and validation is requested I respectfully request your offices provide me with competent evidence that I have any legal obligation to pay you for over a year, and have failed to do so. 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 or XXXX ) this action might constitute fraud under both Federal and State Laws. Which they both return notices the debt is VERIFIED, not validated. I have asked to submit proof since XX/XX/XXXX, and the debt collection agency has not. Proof I needed The agreement with your client that grants ( XXXX XXXX XXXX ) the authority to collect this alleged debt. Any signed agreement debtor has made with debt collector, or other verifiable proof debtor has a contractual obligation to pay debt collector. Copy of any agreement that bears the signature of debtor, wherein he/she agreed to pay creditor. Copies of all statements while this account was open. FDCPA entitles you as a consumer to validate a debt when a collection agency demands money from you. If a collection agency cant validate the debt, the credit bureau can not list it as a negative mark on your credit report. The notices i revied dated XX/XX/XXXX, was a notice of my dispute of inaccuracy of the debt, but if fact it was not, was for validation of the debt. The company has never provided this information, has had over two years to provide this information, well over the 30 days
12/08/2022 Yes
  • Debt collection
  • Medical debt
  • Written notification about debt
  • Didn't receive notice of right to dispute
  • FL
  • 33406
 Web
First of all this is a medical debt from more than 7 years ago. In XX/XX/XXXX I suffered a serious work accident that made it impossible for me to work for more than 3 years. When this happened, I called the cards that I was paying to inform them that I would not be able to pay the debt, telling them about the situation and wanting to reach a payment arrangement. They did not want to understand the situation nor did they want to come to a payment arrangement with me. In XXXX I received a letter from a levy that they put into my bank account withdrawing around {$500.00} in order to collect this debt. Now again on XX/XX/XXXX my bank account was seized and debited in the amount of {$490.00}. There was no previous notice for this nor the right or opportunity to defend myself. IS THIS LEGAL??? I ask sarcastically being sure not. On countless occasions I have tried to contact them and they do not respond, when they do they can not answer me because I do not speak XXXX and they do not have anyone available in XXXXXXXX or translation for me. This is discrimination and also, they have made it impossible for me to reach an agreement which is too unfair and goes against my rights as a consumer. This is not in compliance with the equal opportunity law that these companies are supposed to abide by. I did not receive any news of any of this in my mail. This is super illegal. Currently, I am the head of the family, I have a wife and XXXX dependent children who depend on my work to survive. I have spent hours and hours on hold trying to contact them. They have damaged my credit and my rent payments.
03/26/2020 Yes
  • Debt collection
  • I do not know
  • Took or threatened to take negative or legal action
  • Threatened to sue you for very old debt
  • FL
  • 33169
 Web
I XXXX XXXX is sending this letter in regards to a debt that have no clue of. I am sending this message due to the fact that i received threatening phone calls of my my bank account, money and more being seized. During the month of XXXX i've received more than 50 phone calls reading on my caller id Scam Likely and other fictious name and numbers that i've never ever seen. According to several FCRA laws, a debt collection agency must take the correct steps to attempt to collect a debt. You must prove that the debt is owed, provide original contracts with my wet signature on it. I am not asking for a copy of a statement nor am i asking for any copy of a contract but only an original contract. I am allowing 5 business days for this issue to be resolved. In your attempt to collect a debt that isn't owed and i have no clue of, you've violated several laws. You can contact me through my email and i waiting upon your reply. I am asking that you stop calling me and threatening me about garnishing wages, sending me to jail, sending letters to any address associated with my name. Do not force yourself or any of your employees on to property acting as if you're an officer. If this isn't resolve within 3-5 business days i am going to be contacting my lawyer and take the initial steps to ensure that your company pay the consequences for your actions. If you can't provide any original contract with my wet signature please do not contact me and remove my name from your directory permanently and immediately. If you attempt to try and repost it back onto my credit, i will sue you.
02/06/2020 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Problem with a credit reporting company's investigation into an existing problem
  • Their investigation did not fix an error on your report
  • NV
  • 89081
 Web
Dear CFPB, I am seeking help, my rights have be violated as per 809.Validation of debts Credit Reporting Act ( FCRA ) XXXX 15 U.S.C. 609 and Fair Debt Collection Practice Act ( FDCPA ) 809 ( B ) by XXXX & XXXX regarding the reporting by Second Round LLC. I sent a letter of validation in response to the letter notice of payment by Second Round LLC. XXXX & XXXX has NOT conducted a proper investigation. XXXX & XXXX failed to properly respond to my letter with specific request for method of validation and has since now to put erroneous and inaccurate information on my credit report. Second round LLC has failed to report to XXXX that this matter is in dispute prior adding it onto my credit report and by law can not pursue any credit reporting agency until the matter is resolved. XXXX / XXXX & Second round LLC has not legally validated this debt as per required by theFair Debt Collection Practice Act ( FDCPA ) 809 ( B ). A credit card statement is not a legal validation of debt as It is Not A CONTRACT. Second Round LLC has failed to produce any contract or ownership or legal assignment / transfer and or legal affidavit purchase of the debt. XXXX & XXXX failed to properly obtain any such agreement in its investigation while clamming the account was verified by a " Statement page '' Reporting it as actual fact. Seeking Interest of fees without a contract is a violation of the FDCPA. Reporting inaccurate information is a violation as per Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 609 and Fair Debt Collection Practice Act ( FDCPA ) 809 ( B )
10/07/2016 Yes
  • Debt collection
  • Other (i.e. phone, health club, etc.)
  • Cont'd attempts collect debt not owed
  • Debt was paid
  • FL
  • 334XX
 Web
On XX/XX/2016 I received a letter stating that I owed {$3400.00} on account number XXXX for purchase made at XXXX XXXX. I have also received numberous phone calls from an individual at Second Round LP. I attempted to explain to the agent that there must be an error with their records due to the fact that my account was paid in full and in good standing, with a balance of XXXX. I also emailed her a copy of the receipt showing that my pruchase from XXXX XXXX was paid in full. However, I am still continually being harrassed by an agent from Second Round that payment is still outstanding. I have asked the agent for clarification on the statement, what items were purchased and for what amount. To date she has not provided any statements showing items that were purchased adding up to the amount they are claiming is owed. Furthermore, the agent has notified me that the account for which I am being harassed is different from the one to which I sent her a copy of receipt showing payment in full. I have also contacted XXXX XXXX and requested copies of all statments reflecting purchasses to my name. XXXX XXXX also informed me over the telephone that they had no record of an account ending in XXXX reflecting any purchase that I had made. It is evident that some error has been made by either XXXX XXXX, or Second Round LP. However, I have not been able to receive any assistance from Second Round in trying to resolve this matter. Both myself and my family are being harassed and threatened that I will contiue to be contacted until they have received payment.
06/18/2015 Yes
  • Debt collection
  • Credit card
  • False statements or representation
  • Attempted to collect wrong amount
  • TX
  • 758XX
 Web
On XXXX XXXX, 2015 I made a payment as agreed on an account that Second Round Collection Agency is collecting on, this is an old charged off debt from XXXX XXXX. The agreement was to make XXXX payments in the amount of {$75.00}. The first check was paid in order to start the process as indicated by the collection agent, XXXX. I made that payment as indicated by the check enclosed for verification. Each month I have made the {$75.00} payment and for the Month of XXXX I made the payment and also sent in an extra check, since I had more money put aside, in the amount of {$75.00}. I have a coupon book that was sent to me that shows the due date of each {$75.00} payment. I received a letter for the month of XXXX that they are going to draft out of my bank account, {$150.00} for the month of XXXX. This of course was not the original agreement and was NOT authorized by me. I called my contact at the collection agency today, XXXX, and she stated that when the negotiation was made at first in the month of XXXX, 2015, the agreement was to make {$75.00} payments bi-weekly. There is no agreement that was made with this company to make bi-weekly payments. My concern is that this company has not upheld it 's agreement and they are planning to withdraw funds from my bank account without my consent. In addition, the amount due as stated on my collection letter/balance is incorrect. This is a major concern for me as I have spoken with this company more than once to and even asked at XXXX time to receive verification of the debt and was told I did n't need XXXX.
02/27/2020 Yes
  • Debt collection
  • Credit card debt
  • Written notification about debt
  • Didn't receive enough information to verify debt
  • AL
  • 36832
 Web
A Letter was sent to XXXX XXXX on XX/XX/XXXX and XX/XX/XXXX to request document 's showing that this is my account. I have not received documents proving the matter. They have reported to all 3 credit B and I have disputed. By law they have to send the necessary information to me and as of today XX/XX/XXXX I have not receive it.Please provide all of the following information and submit the appropriate forms and paperwork within 30 days from the date of your receipt of this request for validation. Name and Address of Alleged Creditor : ______________________________________________________________________ Name on File of Alleged Debtor : ______________________________________________________________________ Alleged Account # : ______________________________________________________________________ Address on File for Alleged Debtor : ______________________________________________________________________ Amount of Alleged Debt : ______________________________________________________________________ Date ( that this alleged debt became payable ) : ______________________________________________________________________ Date of Original Charge or Delinquency : ______________________________________________________________________ Was this Debt assigned to a Debt Collector or Purchased? ______________________________________________________________________ Amount Paid if Debt was Purchased : ______________________________________________________________________ Commission f or debt collector if collection efforts are successful :
11/15/2023 Yes
  • Debt collection
  • Credit card debt
  • Attempts to collect debt not owed
  • Debt was paid
  • NJ
  • XXXXX
 Web
This company sued me in the state of Georgia without notifying me. I was not properly served and Georgia being the horrible state that they are let this happen. I also had 2 credit card accounts that are still on my credit report from the original creditor XXXXXXXX XXXX. I had a contract with XXXX and was enrolled in a program that offered account protection services. Not only did XXXX deny these services after paying for it but they handed my bill to XXXX XXXX XXXX who then tried to sue me for the debt. The services was suppose to provide me relief if I involuntary lost my job through the company Account XXXX. I was wrongfully terminated during the time I had these accounts and I even won a lawsuit for wrongful termination. After settling the wrongful termination with my previous employer, comenity still refused to take responsibility and contact XXXX XXXX XXXX regarding my account. It's been 5 years and they still refuse to fix any damages to my credit report. They also charged hidden interest fees in which they were sued for and yes I was one of the many people who was part of the class action lawsuit with XXXX. Second round is trying to collect debt from me when I had a written contract with Account XXXX and paid Account XXXX for credit protection if I ever involuntary lost my job. I have documentation of my lawsuit settlement against my former employer who agrees to settle with me after retaliation and wrongful termination.
06/03/2016 Yes
  • Debt collection
  • Credit card
  • Cont'd attempts collect debt not owed
  • Debt is not mine
  • CA
  • 91801
 Web
I am writing to file an complaint against XXXX XXXX and Second Round, LP for : Failing to keep accurate tradeline on my credit report, Refusing to provide Method ( s ) of Verification and information requested by me. Refusing to remove inaccurate tradelines when Second Round LP, did not provide sufficient requested info to back up their claim. Allowing Second Round LP 's attempt to " re-age '' negative trade-line, a violation, even in situation when Second Round LP failed to back-up their claims first. XXXX XXXX, 2016 I submitted a dispute with XXXX, a credit rating agency after reviewing my free credit report, complaint # XXXX ( see attached letter ) At issue is inaccurate negative trade lines submitted by Second Round, LP. XXXX and Second Round LP, could not provided any solid documents to back up their claims. Second Round LP, was not the original creditor and they claimed they purchased this alleged account, but failed to provide any valid Bill of Sale/ assignment/ affidavit ( s ). XXXX further let Second Round LP to make another/ recent entry to mark " OK '' Current status, next to section 30 days late/ 60 days/ 90 days late, as " an new information '' / reply to my dispute. I did not make any payment to Second Round LP ever. Any attempt to " re-aging '' is a violation of the rule. I would like to have the inaccurate negative tradelines submitted by Second Round LP, to be removed from my credit report. Thank you.
02/01/2023 Yes
  • Debt collection
  • Credit card debt
  • False statements or representation
  • Impersonated attorney, law enforcement, or government official
  • FL
  • 33406
 Web
This complaint is a follow up to my previous complaint about this same company. This time I am going against them and their lawyers who have discriminated against me, have hung up on my calls, have denied me options for payment agreements and have affected the well-being of my family. I am an American citizen and as such I believe that I have rights that they have not fulfilled. In response to my previous complaint, they say that they have no information on any lien against me and that they have not collected any money. Lie! I have called them reading their response where they say that they will not take any further action on my account until I get my job back due to the financial hardship I am going through. On XX/XX/2022 my bank XXXX XXXX XXXX XXXX withheld {$490.00} by order of them, I call the bank at XXXX XXXX department and they tell me that they have the funds withheld but that they can not make a refund until they send a letter ordering it. In the calls they have told me that they have not received notification from the bank about the withheld funds ( my bank says yes ) and they say that they will continue to take action on my account to collect the debt. Every time I call and an associate checks my case they hang up on me. This is clearly a bad practice and discrimination because I am trying to reach an agreement with them and they ignore me, threaten me and discriminate against me.
07/06/2017 No
  • Debt collection
  • I do not know
  • Attempts to collect debt not owed
  • Debt is not yours
  • FL
  • 32277
 Web
This company, Second Round LP, which I hold no contract with nor have received any goods or services from, reported two collection accounts against my social security number in the amounts of {$2100.00} and {$1300.00} with XXXX, XXXX, & XXXX credit reporting agencies. I requested verification and validation of the alleged debts on X/X/2017, however the business failed to provide adequate proof/validation. This business does not have and has never had contracts with me for goods or services and they have not provided adequate proof of any obligations to pay the alleged debts.

Account level detail and billing information is not valid proof of a contract. Where is the binding contract showing that I allegedly owe these debts? This company is in violation of the Fair Credit Reporting Act because they are reporting inaccurate and invalid information to the credit bureaus under my social security number. I demand that they remove all accounts from my credit report immediately, and cease all reporting in the future. Second Round LP is in violation of the Fair Debt Collection Practices Act because they are trying to deceive me by providing non verifiable and invalid information in order to collect money on debts that they are alleging to be mine without any contractual proof. This company did NOT provide me with a copy of any signed contracts for goods and services.

06/27/2019 Yes
  • Debt collection
  • Credit card debt
  • Written notification about debt
  • Didn't receive enough information to verify debt
  • CT
  • 06066
 Web
I received a notification from Second Round LLC in XX/XX/XXXX stating that an alleged account in my name had been turned over to Second Round LLC as of XX/XX/XXXX. I never received notification from Second Round LLC or XXXX prior to initiating a dispute with them. Second Round LLC was put on my credit reports with all 3 credit bureaus prior to me having the chance to dispute it due to not receiving prior notification. When I did receive another letter it was a stall letter asking me to provide information that they should have if the supposed debt is really mine. I sent a letter to Second Round LLC on XX/XX/XXXX requesting that they provide me with the following information : COMPLETE PAYMENT HISTORY, THE REQUIREMENT OF WHICH HAS BEEN ESTABLISHED VIA XXXX XXXX XXXX XXXX XXXX XXXX ; XXXX XXXX. XXXX. XXXX XXXX AND AGREEMENT THAT BEARS THE SIGNATURE OF THE ALLEGED DEBTOR WHEREIN SHE AGREED TO PAY THE ORIGINAL CREDITOR. LETTER OF SALE OR ASSIGNMENT FROM THE ORIGINAL CREDITOR TO YOUR COMPANY. ( AGREEMENT WITH YOUR CLIENT THAT GRANTS YOU THE AUTHORITY TO COLLECT ON THIS ALLEGED DEBT. ) INTIMATE KNOWLEDGE OF THE CREATION OF THE DEBT BY YOU, THE COLLECTION AGENCY. They have not provided me with anything but a couple of statements from the original creditor. That is not what I requested. I have attached a copy of the letter I sent for your reference.
03/30/2018 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
  • CA
  • 94112
 Web Servicemember
Well established how opprobriously malignant and MIS-MANAGED these clumsy credit bureaus really are. I went round and round with these derelicts for years and reported this already to you people [ c ] ountless times!!!! I just got a fraud alert from XXXX that is the free OPM credit monitoring for OPM 's sloppy breach 2 years ago. Anyways inept clowns at XXXX has allowed some malignant collection agency to duplicate the same negative garbage that is ALREADY being reported for the last 2-3 years now?! # Some putrid agency calling themselves second round from XXXX texas self-created a new FRAUDULENT account in my name so it appears as new. THIS is NOT a new account and obviously illegal and punitive. This {$5500.00} is already reporting and now charged off!!! These XXXX think they can be cryptic and blundering probably because they paid inept XXXX a fee to scam harass and deceive my actual credit report. I told all creditors 3 years ago I was cheated and retaliated against at my last XXXX job for confronting worthless derelicts, fraud waste abuse still rampant. I did NOT magically ignore my bills. Obviously ran out of money and now live in poverty! I don't care how many conniving collection agencies they send, obviously illegal to self-create a new fraudulent account using a different name using the SAME debt amount?! #
10/10/2018 Yes
  • Debt collection
  • I do not know
  • Written notification about debt
  • Didn't receive enough information to verify debt
  • AZ
  • XXXXX
 Web
This is a complaint from XXXX XXXX against Second Round for Second Rounds failure to provide requested information for the debt alleged. On XX/XX/18, consumer ( through legal counsel ) wrote to Second Round with a written request for documentation, including the following : a. Signed copy of the original contact ( s ) ; b. Any notice ( s ) of assignment or receipt of sale of the debt alleged ; c. Any notice ( s ) of delinquency ; d. Ledgers/spreadsheets/accounting statements showing how the debt alleged was accrued ( including any fees and interest charges added to this debt ) ; e. A copy of your debt collection rights license ; f. Proof that you are licensed to collect this debt in Arizona ; and g. Any other documentation which tends to show validity. On XX/XX/18, Second round responded with a letter and statements from the original account. These statements are not enough to show the creditors authority to collect on this debt. Creditor 's failure to respond to a consumer 's good faith request for documentation makes it impossible for the consumer to make an informed decision regarding the debt alleged. This is a violation of USC 1692, and other federal acts which require lenders and debt collectors to act in good faith and refrain from unfair deceptive or abusive acts.
03/27/2015 Yes
  • Credit reporting
  • Incorrect information on credit report
  • Information is not mine
  • CA
  • 92307
 Web Older American
XXXX Bank # XXXX - SOLD to : Second Round LP Acct # XXXXThis account is not even my account. It is not a credit card account. This account was a cash advance account for my mother ; her name was XXXX. She has passed away. When my Mother became unable to take care of herself and we put her in a XXXX, in XXXX, CA. I took over paying her monthly bills and her upkeep. I had all of her mail and bills sent to my house in care of me. I was never a co-signer on any of her accounts or checking account. I DID pay the XXXX account payments as well as with all of her bills. After she passed away, I stopped paying her bills, as she had no remaining assets. I had inadvertently given some clerk at XXXX Bank my Social Security number to prove the account was n't mine and they agreed. Then " someone '' at XXXX then used it against me to put it in my name. My name appears nowhere on this account other than a mailing address for payments that I helped her in the last few years of life. I have written XXXX numerous letters with no results. They have since sold this account to a collection agency, now they report this account in my name as well ( *Second Round LP Acct # XXXX ) Please help me get both of these accounts off of my credit report ... they are not mine.
01/28/2018 Yes
  • Debt collection
  • Credit card debt
  • Attempts to collect debt not owed
  • Debt was paid
  • NY
  • XXXXX
 Web
I closed my XXXX 's account in XX/XX/2012 after returning faulty bedding, XXXX 's drivers abandoned said bedding on sidewalk in front of my XXXX apartment, which is illegal in XXXX, and I had to pay {$500.00} to immediately have removed by a third party so that my landlord and myself would not be ticketed and fined. I contacted XXXX 's corporate numerous times as they stated bedding was not returned initially and double charged me. XXXX 's corporate stated they would refund me and credit my account an additional {$500.00} for my cost to haul away bedding, which their drivers were supposed to do. I paid off my account and XXXX 's then changed from XXXX to XXXX to XXXX and now XXXX XXXX XXXX as well as being bought out by XXXX XXXX, now a collections company is stating I owe {$2400.00}. I would like to see itemized bills and receipts showing all purchases, all returns, the credit for the returns as well as the {$500.00} credit to reimburse me for removal of bedding from outside my apartment building, as well as all fees charged and all interest charged. I require itemized bills with my signature and all receipts and refunds separately and itemized.
08/20/2019 Yes
  • Debt collection
  • Credit card debt
  • Attempts to collect debt not owed
  • Debt is not yours
  • CA
  • 94533
 Web
XXXX XXXX XXXX XXXX XXXX XXXX, Ca XXXXSecond Round LPXXXX XXXX XXXX XXXX XXXX, Tx XXXXXX/XX/2019Re: Acct 01 XXXX XXXX Dear: Second Round LP You are hereby notified under provisions of Public law 95-109 and 99-361, also known as the Fair Debt Collection Practice Act, that your services are no longer desired.Please remove me from you files and or computer systems.Cease & desist all attempts to collect the above debt. Failure to comply with this law will result in my immediately filing a complaint with the Federal Trade Commission and the State of California Attorney General’s Office. I will pursue all criminal and civil claims against you and your company.Let this letter also serve as your warning that I may utilize telephone recordings devices in order to document any telephone conversations that we may have in the future.Furthermore, if any negative information is placed on my credit bureau reports by your agency after receipt of this notice, this will cause me to file suit against you and your organization, both personally and corporately, to seek any and all legal remedies available to be by law.Best Regards.XXXX XXXX
08/08/2016 Yes
  • Debt collection
  • Auto
  • False statements or representation
  • Attempted to collect wrong amount
  • LA
  • 70737
 Web
There is no option to select for what it is I am trying to complain about. I am filing a complaint because this company is preventing me from being able to purchase a home by continuing to report inaccurate information on my XXXX credit file. I have requested that the dispute comments be removed from this account because I am no longer disputing the account and I agreed with the way the account was reporting except for the dispute verbiage. I did dispute the account but they verified the information and I agreed it was mine so there is no reason to continue to keep the account in dispute as if I am still disputing the account. The dispute has been resolved. This company stated to me that they would not remove the comment unless I paid the debt and that is illegal. They are continuing to report an account inaccurately as in dispute in order to get paid. There are guidelines in place that are set by the government that will determine whether these accounts have to be paid in order to get approved for a mortgage and it 's not right that the collection agency is taking matters into their own hands.
01/22/2020 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Incorrect information on your report
  • Account status incorrect
  • NV
  • 89081
 Web
Dear CFPB I am seeking help, my rights have been violated as per 809.Validation of debts Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 809 by Second Round LLC. I sent a letter of validation in response to the letter notice of payment by Second Round LLC XX/XX/XXXX I sent the response letter on XX/XX/XXXX and have not received a response back as per 30 days. I sent a second letter of non-response XX/XX/XXXX. Second round LLC failed to respond to my letter and has since now to put erroneous and inaccurate information on my credit report. Second Round round LLC has failed to report to XXXX that this matter is in dispute and by law can not pursue any credit reporting agency until the matter is resolved. Second round LLC has not validated this debt as per required by the fair credit reporting act section 809. I have Proof and certified mail of the timeline which shows the violation. Since they are violating the law and have not proven that this debt is mine I am requesting that all information passed on to any credit reporting agency should be removed.
06/19/2019 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Incorrect information on your report
  • Information belongs to someone else
  • CA
  • 91711
 Web Servicemember
In XXXX I my credit was impacted by a company called XXXX XXXX. They claimed I owed them XXXX. I have never done business with this company and I have not borrowed from them. I contacted them and asked for any contracts or supporting evidence. They had no contract and removed the item from my credit. Two months ago a new company : SECOND ROUND LP at XXXX XXXX XXXX XXXX XXXX, XXXX, TX XXXX or ( XXXX ) XXXX, began reporting this fraudulent debt as a new collection. This has seriously impacted my ability to do personal business. On XX/XX/XXXX, I asked them for documentation in an effort to discover the nature of the fraud. They could/would not corroborate the debt with documentation. The company has chosen to ignore me and continue to report this account as a collection each month. Today XX/XX/XXXX, experian notified me this company has again impacted my credit by reporting this account collection. Upon researching them on the XXXX site I found multiple serious complaints of impropriety and credit bullying. Please aid me in this situation. XXXX XXXX
05/03/2022 Yes
  • Debt collection
  • Credit card debt
  • Communication tactics
  • Used obscene, profane, or other abusive language
  • AZ
  • 85711
 Web Older American
On XX/XX/XXXX, collector representative came to my door with debt collectors papers with my name on it, she demanded payment, she wanted my ID and told me : " XXXX, XXXX '' threw the papers on the floor and told me to pay!!!!! embarrassing me infront of my neighbors 3x screaming, of all my neighbors, screaming. I was born in XXXX, I do not look like I was born in XXXX, I am XXXX and had a XXXX it is very difficult to open my door. The car she was driving did not have plates, she covered them with paper. 4 door small sedan. I sit in my kitchen window and she came to my door Saturday and Sunday. This company has done this two times. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX In addition they have called my home over XXXX times in the past XXXX mos. I have land line and they do not stop calling. I told them everyday, this is not XXXX and they keep calling early hours XXXX am and now they came to my door. Please help me STOP the. This debt is not mine and they know it, they have the information, this XXXX is in California. I need help in XXXX.
04/01/2019 Yes
  • Debt collection
  • Credit card debt
  • Took or threatened to take negative or legal action
  • Threatened or suggested your credit would be damaged
  • CA
  • 95757
 Web
My complaint is with Second Round Sub, LLC. This company sent me an Invoice in the amount of {$3000.00}. They purchased this from the original creditor XXXX. I am not in contract or never was in contract with Second Round Sub, LLC. In their Invoice, they stated at the bottom that they can not sue me as the law limits show that the age of the debt is old. But, Second Round Sub, LLC is trying to mess up my credit Report with this extortion notice. As of XX/XX/2015, my debt with XXXX XXXX was charged off. As of XX/XX/2015, XXXX no longer showed that XXXX reported any debt owed to them. Also, I had a lawyer working with me on this case with XXXX. They did not respond to any of the lawyer 's notice. The debt with XXXX is old and charged off and no longer showing on my Credit Report. Second Round Sub, LLC is trying to damage my credit report. Again, I am not in any contract with this company. They are fraudulently contacting me for a debt that I do not owe them. I do not trust this company and see them as harmful to consumers.
04/17/2018 Yes
  • Debt collection
  • Credit card debt
  • Attempts to collect debt not owed
  • Debt was paid
  • NY
  • XXXXX
 Web
I have repeatedly asked for itemized bills and receipts and I am only being sent old copies of statements that I have no idea what the charges are. I do not know if they are furniture, bedding, service charges or anything else because I am not being sent itemized bills or receipts to determine what the charges are. I settled my issues with XXXX 's corporate and although it is being stated that XXXX, XXXX etc. are the original debt owners, the reality is I did interactions with XXXX 's corporate, who was the entity that was supposed to remove charges and correct statement as they are the one who made errors in double charging a return and were to refund the {$500.00} I had to pay to remove bedding their employees dumped in front of my building in XXXX. My credit statement on XXXX does not even state that this is disputed. I have no idea what they are trying to collect I request itmezed bill and receipts not old copies of statements which do not show what the charges are actually for.
03/30/2017 Yes
  • Debt collection
  • Credit card
  • Communication tactics
  • Used obscene/profane/abusive language
  • NJ
  • 078XX
 Web
reported case number XXXX Second Round did respond to my wife 's case but left mine unresolved. Second Round made no effort to contact me. Reporting debt in " collections '' to XXXX is a " false representation '' of the actions made by us to settle this debt, it violates the Privacy Act of 1974. Second Round used deceptive means to collect the debt and to obtain additional information by means of phishing while threatening legal action if my wife did not commit to a monthly payment plan. My credit has been unfairly tainted since reporting to XXXX, my rights of due process were ignored, Pursuant to 31USC 3711 ( e ) we did not receive a 60 day notice of intent to report to credit bureau. No written or phone communication was received. I have faxed to Second Round, Compliance Dept a letter stating that the " handling of this debt '' violated my right to settle since they let it go and to cause further harm to my credit, listed the debt in collections with XXXX. i will attach the letter.
03/09/2020 Yes
  • Debt collection
  • Credit card debt
  • Threatened to contact someone or share information improperly
  • Talked to a third-party about your debt
  • IL
  • 60631
 Web
I submitted an debt validation request to Second Round LLC on this debt in XXXX that was never answered. Instead, they have been contacting my relatives constantly over the past few months to get ahold of me, when they already have my contact information and know how to contact me. I spoke to XXXX XXXX on XX/XX/2020 and attempted to work out a Debt Payoff agreement. He said the client would only be willing to work with me if I provided the name of my employer, monthly household income, among other personal, irrelevant information. He also classified my account as pre-legal which he essentially characterized as them getting ready to sue me. I am trying to get more information on the nature of the debt which was never answered and hope to work with them to settle out what I owe, if anything. This agency harassing my family and asking for irrelevant personal information as a requisite to a payoff agreement is absolutely absurd and puts already vulnerable people at their mercy.
08/05/2018 Yes
  • Debt collection
  • Credit card debt
  • Attempts to collect debt not owed
  • Debt is not yours
  • TX
  • 77070
 Web Servicemember
This company continues to report inaccurate information to the credit reporting agencies. I have sent several letters requesting physical evidence confirming that I owe the company such debt, specifically any paperwork with my signature agreeing to pay such debt. Their response is either copies of some statement with my name on it ( which can easily be made with PDF editing software ) or simply a letter stating that I have to provide evidence to support that they are reporting false information to the credit bureaus. The burden of proof is on them but they refuse to provide the documentation I requested claiming that they received an electronic file when the debt was purchased. This needs to stop! This company has made a mess of my life having false, unverified information on my credit reports which is causing me severe problems in obtaining credit with a lower APR, higher insurance premiums, possibly loosing job opportunities by not being able to obtain a security clearance.
04/20/2018 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Incorrect information on your report
  • Account status incorrect
  • CA
  • 94112
 Web
Well known how idiotic and clumsy XXXX is!!! Now these derelicts are fraudulently reporting garbage that is criminally negligent and malignant!!! I have NO new accounts anywhere!! Nobody has the authority to self-create there own sloppy collections at my expense!!! ALL this negative garbage already in my credit reports. This is tortuous XXXX trying to scam my credit report with duplicated garbage!!! PLUS, XXXX criminal incompetence has not cleaned up there blundering XXXX. I don't care how many generic collections agencies anyone hires to harass me. They are not allowed to fraudulently sefl-create a new XXXX account duplicates what is already existing. I told you people twice now, these clowns at XXXX and now defunct XXXX have malignantly created a new phony collections ( same ) debt already reported 3 years ago. These vile derelicts at XXXX XXXX have NOT contacted me, instead lied cheated and manipulated an old debt. Imbeciles at these mis-managed credit bureaus
10/01/2017 Yes
  • Debt collection
  • Credit card debt
  • Written notification about debt
  • Didn't receive enough information to verify debt
  • GA
  • XXXXX
 Web
I have contacted Second Round LP in regards to an account listed on my credit reports that I do not recognize. They are reporting to the major credit bureaus on behalf of XXXX XXXX XXXX XXXX XXXX. I have asked Second Round LP XXXX TIMES to verify the validity and accuracy of this alleged account and they have not sent me any proof of a contract or anything with my signature taking claim of this debt that amounts to XXXX XXXX XXXX. I have never had an account with XXXX XXXX XXXXXXXX XXXX XXXX. I have sent them Certified dispute letters stating that if they can not verify this account, they need to remove the account from my credit reports. They have responded with letter saying that they have done an investigation on the account and it was being reported as accurate. But they still have nothing binding me to a contract. No proof has been made available to me. So therefore the debt needs to be removed from my credit report ASAP and collection efforts need to stop.
02/19/2019 Yes
  • Debt collection
  • Credit card debt
  • Threatened to contact someone or share information improperly
  • Talked to a third-party about your debt
  • IL
  • 60538
 Web
I have notified Second Round, LP that this is a conflict of interest. They have placed the debt to be collected by my previous employer named XXXX XXXX XXXX XXXX XXXX XXXX I worked with the company and prior to them merging I worked there for 5 years. I know most of the XXXX personally. My sister even works for the company. Now my friends know my personal information that I have a debt that I am being sued about. This has caused me both embarrassment in regards to my personal information. And, also when XXXX XXXX XXXX sent the process server to my property he trespassed and scared my children. He was screaming in the windows. My family had to call the police to come remove the process server from the property. When the process server presented himself he identified himself as a detective. Which is not true. I have contacted both the client Second Round, LP and XXXX XXXX XXXX about the issues and neither has removed my account or transferred to another company.
06/18/2021 Yes
  • Debt collection
  • Credit card debt
  • Attempts to collect debt not owed
  • Debt was result of identity theft
  • SC
  • 29036
 Web Servicemember
XXXX XXXX XXXX XXXX credit card was open using my name. I did not know about this credit card debt until I got served with judgement papers on XX/XX/XXXX. I called the company which did not even had my whole first name. I asked them to send proof this debt was mine. XX/XX/XXXX I received over 300 pages of account statement all date starting on XX/XX/XXXX. According to XXXX XXXX lending company I made a payment on the amount of {$160.00} dollars on XX/XX/XXXX. I send then a reply to judgment with my partial bank statements ( all personal information was left out as well as my bank routing and account number ) that proves I never made a payment to XXXX credit card as they mention. or neither I have paid anything on this debts because its not mine. On my conversation on XXXX, XXXX with XXXX and associate debt collector i told then not to contact me no more by phone or mail. And I am willing to hire a lawyer to represent me on court in regard to this matter.
04/06/2018 Yes
  • Debt collection
  • Credit card debt
  • Attempts to collect debt not owed
  • Debt was paid
  • FL
  • 33810
 Web
In XX/XX/XXXX I entered into a contract with XXXX XXXX to settle several of my credit card debts, including one with XXXX. XXXX XXXX successfully settled this debt in XX/XX/XXXX. About two weeks ago this debt showed up as a collection on my credit report. When I contacted XXXX XXXX they confirmed it had been paid. They have been working to clear up the problem and said that the collection agency that reported it was Second Round LP. Today I received a phone call, not on my phone but on my sister 's phone ( my secondary phone number ) from someone saying they were from Second Round and they wanted the last four digits of my social security number for identification purposes. I would not give it to them. I told them this debt has already been paid, should never have been put in collections or on my credit report, and would be reported. They said if I would just give them my social security numbers they could help me. I refused and they hung up on me.
04/12/2018 Yes
  • Debt collection
  • I do not know
  • False statements or representation
  • Impersonated attorney, law enforcement, or government official
  • MD
  • 21114
 Web
I am a defendant in one of several cases filed on XX/XX/XXXX in the District Court for XXXX XXXX XXXX, XXXX, all of which involve the same debt collection company, XXXX XXXX XXXX. ( Attachment A ). However, on XX/XX/XXXX -- three weeks after these cases were filed -- Second Round Limited Partnership registered the plaintiff 's trade name, Second Round, LP, in Maryland ( Attachment B ). Therefore, the mere filing of these cases alone represents a clear violation of the Fair Debt Collection Practices Act ( FDCPA ). The FDCPA provides that " no business, company, or organization may use a name other than its true name ''. ( See 15 U.S.C. 1692 ( e ) ( 14 ) ). Moreover, in each of these cases, the purported address of Texas-based Second Round, LP is the same as the Michigan address of the plaintiff 's Maryland-based attorney, XXXX XXXX XXXX of XXXX XXXX XXXX, XXXX. ( Attachments C and D ). Thank you for your time and attention to this matter.
09/17/2018 Yes
  • Debt collection
  • Other debt
  • Written notification about debt
  • Didn't receive enough information to verify debt
  • VA
  • 23237
 Web
I have sent several certified letters to Second Round Lp./ XXXX XXXX XXXX , disputing a debt that was placed on my credit report. A direct violation of 15 U.S. Code 1681s-2 ( b ). In XXXX of 2018 I contacted XXXX XXXX XXXX in regards to information placed on my credit report, requesting that the company furnishes documentation according to 15 USC 1692g ( 4 ) my last letter being sent on XX/XX/18 certified mail. As of XX/XX/2018 I have not ; on XX/XX/18 I received information that Second Round Lp/ XXXX XXXX XXXX has again reported information to the credit bureaus damaging my credit reputation. Second Round has closed an account, however has failed to delete it in accordance with 15 U.S. Code 1681s-2 ( b ) ; this company continues to violates me and FDCPA ; and its many laws. This is unacceptable to say in the least. I DEMAND THIS COMPANY DELETES THE INFORMATION THEY CONTINUE TO REPORT THAT IS NOT IN ACCORDANCE WITH THE LAW.
10/13/2016 Yes
  • Debt collection
  • Credit card
  • Disclosure verification of debt
  • Right to dispute notice not received
  • NH
  • 033XX
 Web
Made an settlement agreement and not honoring it. Either honor it or forgive the rest. Also Please do this as well. They have failed to verify the information that I am asking for when I contact the bureaus. I am writing to advise you that you are inaccurately reporting information to the credit agencies regarding the above account. You are in violation of the Fair Credit Reporting Act ( FCRA, 15 U.S.C. 1681 et. seq. - see specifically FCRA 1681s-2, " Responsibilities of furnishers of information to consumer reporting agencies '' ). I hereby dispute your information in its entirety and request supporting documentation that substantiates the information you have furnished to the Credit Agencies. Please note, I am not requesting a verification that you have my mailing address ; rather, I am requesting validation in the form of some competent evidence that I had some contractual obligation associated with this trade line.
05/10/2018 Yes
  • Debt collection
  • Credit card debt
  • False statements or representation
  • Attempted to collect wrong amount
  • GA
  • 30260
 Web
Second Round Lp is trying to collect {$2200.00} for a XXXX XXXX XXXX account that was charged off XX/XX/XXXX for {$1700.00}. They listed the debt as " XXXX '' but when I called to verify debt, they said it was for XXXX XXXX and could not verify the account. I have requested they verify the debt and they are not able to the debt is listed on my credit report. I have attached my credit report. Under 'NEGATIVE '' items you will see : XXXX/XXXX XXXX reported to all 3 bureaus and if you look under collections you will see 01 XXXX XXXX they are for the same debt ( both listed on pg 3 of my credit report ). You will find the original XXXX XXXX account on pg 63 ( showing last updated on XX/XX/XXXX eventho it charged off XX/XX/XXXX ) You will find Second Round new charge on page 74. It will only show XXXX XXXX and when you call they say it is the XXXX XXXX account, they give an amount of XXXX but can not verify the account.
11/02/2019 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Incorrect information on your report
  • Account information incorrect
  • FL
  • 34990
 Web
On XX/XX/2019 I sent Second Round Sub , LLC a letter letting them know that the information that was requested of them was invalid and that they needed to stop reporting negative information to my credit reports and the accounts should be closed and removed from my credit reports. Second Round Sub did not provide the proper proof for the accounts. They only sent me a print out of a bill, which is not valid proof of verification according to FTC opinion letter from Attorney XXXX XXXX XXXX. I sent this information to Second Round Sub , LLC and they continue to report negative information to my report and did not respond to my letter with the proper information, which is a continued violation of FCRA. Their reporting is a violation and continues to prevent me from moving forward with my life and preventing me from providing a better life for my family. Than you in advance for all of your help.
06/20/2019 Yes
  • Debt collection
  • Credit card debt
  • False statements or representation
  • Attempted to collect wrong amount
  • VA
  • 23454
 Web
In XX/XX/2017 I obtained a XXXX XXXX/XXXX XXXX credit card, I bought a sweater for {$20.00} with such a credit card and mistakenly thought that I make the payment when finally realized my mistake it was to late and the account was already in collections, I was told that because the delay I will have to pay almost three times more of the original debt, I start to make the payments but unfortunately when I was in my last payment of approximately {$20.00} I lost my job and fall in a financial hardship. When I finally was able to recuperate from my situation I contact Second Round ( the colector ) just to find out that they want me to pay {$380.00} from the original {$20.00} witch I already pay approximately {$40.00} I understand i couldn't complete my original settlement but i come across a really hard situation and {$380.00} for an originally {$20.00} debt it seems unfair
02/07/2020 Yes
  • Debt collection
  • Other debt
  • Took or threatened to take negative or legal action
  • Threatened to sue you for very old debt
  • GA
  • 316XX
 Web Servicemember
This is the second time XXXX XXXX through a secondary ( Second Round Sub LLC assignee of XXXX XXXX - address Second Round Sub LLC Assignee of XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Georgia XXXX ) has taken us to court for a judgement on a debt originating from XXXX XXXX owned by XXXX XXXX, They will not be able to enforce any judgement, my income is from VA XXXX, and is my only income. Which comes from protected federal VA benefits : protected from garnishment to pay a debt owed to a private person or company. The have been aware of this for quite some time, yet they sold this debt to Second Round Sub LLC originating in Texas, with office in XXXX Ga. They received an unenforceable judgement, determined by the Courts in XXXX county -XXXX XXXX -Ga. Please contact XXXX XXXX ( secondary round sub llc ) second Round and advise them this is fiduciary harassment.
08/24/2017 Yes
  • Debt collection
  • Credit card debt
  • Written notification about debt
  • Didn't receive notice of right to dispute
  • CA
  • 92780
 Web
I CONTACTED SECOND ROUND AROUND XX/XX/2017 AFTER DOING MORTAGE LOAN IBQUIRY. I WAS TOLD SECOND ROUND PURCHASED ACCT. AND POSTED ON MY CREDIT RRPORT AGAIN LATE PYMT TO XX/XX/XXXX/XXXX XXXX DC. 1. I NEVER RECEIVED LETTER PURCHASED OF ACCT HAPPENED, WHiCH COMPLIANCE DEPT CONFIRMED AT SECOND ROUND. 2. CUSTOMER SERVICE XXXX TOLD ME XXXX NEVER TOLD THEM ACCT WAS IN BANKRUPTCY AND I HAD A LAWYER. SECOND ROUND REFUSED TO TAKE THEMSELVES OFF MY CREDIT REPORT. I NEVER PAID {$20.00} IN AGREEMENT WITH XXXX XXXX XXXX. ACCT IN XXXX STATUS. ASK THEM TO PROVE IT WAS MY BANK XXXX THAT PAID. SECOND ROUND JUST KEPT TELLING I PAID AND STOPPED PAYING AGAIN. DID WANT TO INVESTIGATE. TGEY WAS N'T INFORMED WHEN PURCHASE AACT. I WAS IN XXXX STATUS AND HAD LAWYER WHICH XXXX ALREADY KNEW. PLEASE TAKE SECOND ROUND OFF MY CREDIT REPORT.
02/03/2017 Yes
  • Debt collection
  • Medical
  • Cont'd attempts collect debt not owed
  • Debt is not mine
  • IL
  • 62226
 Web Servicemember
A company called Second Round has placed a collection debt on my credit report that I do not owe. I requested that they provide me original debt paperwork, signatures, etc. and they have failed to do so. They did not respond within 30 days of my certified mailed letter nor have they responded as of yet ( it has been 90+ days since request ). In addition, I 've spoken to several representatives who continue to state that they will send me the information I 've been requesting, but they have failed to do so. I noticed that they have now placed an account on my credit report and is reporting it as Date Opened : XXXX2016 Reported Since : XXXX2016, Collection account, balance {$2100.00}. I have no knowledge of this debt/account and they have failed to provide original documentation of said debt being mine.
04/17/2023 Yes
  • Debt collection
  • Credit card debt
  • Written notification about debt
  • Didn't receive enough information to verify debt
  • NY
  • 11206
 Web
XXXX XXXX XXXX. ; XX/XX/2018 ; XXXX XXXX XXXX XXXX, debt owed is {$710.00}. I told them that I was unable to pay because My income stopped coming to me for a few months and I'm on SSI and SSD, and I cant be hold reasonable to repaying any debts at all. the sent this debt to collections and I sent them the law showing I didn't have to pay them nothing and they just kept sending notes about the debt. also, in 15 usc 1681section 602 states I have the right to privacy ; 15 usc 1681 section 604a section 2 : It also, states a consumer reporting agency can not furnish an account without my written instructions ; 15 usc 1666B : A creditor may not treat a payment on a credit card account under on open end consumer credit plan as late for purpose. They have been paid already by the government!
03/26/2018 Yes
  • Debt collection
  • Other debt
  • Written notification about debt
  • Didn't receive notice of right to dispute
  • CA
  • 91360
 Web
I have never heard of this company before yet they have arbitrarily decided to show up on my Credit Report. They did not give me any notice of my right to dispute the debt and are in violation ( s ) of the California Rosenthal Act and it's federal counterpart the Fair Debt Collections Practices act. I have never heard of this company in my life. I have also sent them a request to validate the debt, which is attached. I have faxed it and sent it to them via certified mail. According to the law, they are required to cease all Credit Reporting until they can abide by the FDCPA and FCRA. I wanted to attempt to resolve this through the CFPB instead of filing a lawsuit, but of course, that will be next if they do not remove this item from my Credit Report ( s ) right away.
05/22/2019 Yes
  • Debt collection
  • Credit card debt
  • Took or threatened to take negative or legal action
  • Threatened to sue you for very old debt
  • CA
  • 91977
 Web
On about XX/XX/2019, I received a letter from XXXX XXXX XXXX, XXXX stating that Second Round Sub , LLC was attempting to collect a debt from me. I in turn on XX/XX/2019, send them a letter requesting " validation '' ; that is competent evidence bearing my signature, showing that I have ( or ever had ) some contractual obligation to pay Second Round Sub LLC. They have not sent me anything to show I own this debt. Yet I have received a letter from Court Case Notifiers that there is a case in civil court in the amount of XXXX filed against me with Second Round Sub LLC. I have never signed a contract with Second Round Sub LLC to my knowledge and they have not shown me anything that states I have, I just would like to have this matter resolved
04/10/2018 Yes
  • Debt collection
  • Auto debt
  • Attempts to collect debt not owed
  • Debt was paid
  • GA
  • 30281
 Web Servicemember
I have asked Second Round LP to validate this debt multiple times. This auto loan was already paid to another company. They have ignored multiple request from me. My last letter was sent to them on XX/XX/XXXX. It is still showing as a collection on my credit report. Please assist me with having this in-validated account remove from my credit report so I can continue to proceed with my life. SECOND ROUND LP Account # XXXX Account Type Other Collection Agencies Balance {$3100.00} Past Due {$3100.00} Date Opened XX/XX/XXXX Account Status Mo. Payment {$0.00} Payment Status Seriously past due date / assigned to attorney, collection agency, or credit grantor 's internal collection department High Balance {$0.00} Limit {$0.00} Terms 1 Month
03/29/2020 Yes
  • Debt collection
  • Credit card debt
  • Written notification about debt
  • Didn't receive enough information to verify debt
  • PA
  • 19002
 Web
On XXXX, XXXX, 2020 I contacted Second Round LP/Second Round Sub LLC requesting debt verification of {$360.00} they are claiming on my credit report. As attached, I requested specific verification with my signature to show my agreement between myself and Secound Round but instead they responded on XX/XX/2020 with bills. Bills are not verification and this was also stated in my request to them that, " Bills, and any statements that are originated from a secondary part are not considered validation of debt to you. Unless Second Round LP can provide proper validation as recognized in FCRA 15 U.S. Code 1692g '' I requested that they delete all the information they reported unless they had proper validation which they failed to provide.
04/14/2017 Yes
  • Consumer Loan
  • Vehicle loan
  • Managing the loan or lease
  • TX
  • XXXXX
 Web
In XX/XX/2011 i purchased a vehicle only to find out the dealership XXXX Georgia lied. I was in Bankruptcy at the time. The sales manager advised that their dealership could sell cars to this in bankruptcy without going to the courts. After a short time speaking with my bankruptcy attorney i wanted to change filing, I disclosed the car. I was told i needed to get court permission i called the dealership they did not help. I told the general manager how the ssked manager stated i needed to pay my down payment in cash. I gave her XXXX i just checked my credit and the loan company has it that the transaction took place last year. I should be removed off my credit. XXXX is the company the collection company us second round in XXXX Texas
06/05/2018 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
  • TX
  • 76548
 Web
XXXX has failed to properly investigate/delete an account showing negatively on my credit report. I have sent letters dated all the way back to XX/XX/2017 asking for a lawful investigation of the XXXXXXXX XXXX account showing on my report. XXXXXXXX XXXX has admitted to me via letter that they do not possess an application with my signature that would validate a debt. I have forwarded this letter to XXXX. Also, XXXX ( an organization that mirrors XXXX in account investigation processes ) has deleted this same account from my credit report due to inability to validate it in compliance with the FCRA. XXXX & XXXX have both maintained to ignore their violation of federal law and fail in deleting this account which violates the FCRA.
11/15/2021 Yes
  • Debt collection
  • Credit card debt
  • Took or threatened to take negative or legal action
  • Sued you without properly notifying you of lawsuit
  • NY
  • 10462
 Web
Received a letter from debt collection agency. They claimed that I did not show up to court and that they received a judgement. The letter does not state accurate information. This case adjourned because they did have proper proof that I owed this debt and that they did not properly serve me. When I called to inquire about the judgment, the person I spoke to stated that there was not judgement and that they just wanted to get paid. My local civil court states that there is no judgement on record with this company. I asked them why would they send a fake legal notice if there was not judgement. I could not get a clear answer. It seems like the debt collection company is using deceitful tactics as a way to bully people to pay.
04/22/2016 Yes
  • Debt collection
  • I do not know
  • Taking/threatening an illegal action
  • Sued w/o proper notification of suit
  • MA
  • 010XX
 Web
Hello, I received a summons to court By this collection agency and I am unaware as to why. I have not received anything prior. I do not know who this debt is from. It just stated that it is a XXXX account with XXXX owed. Also it states that the last payment on this account was XX/XX/2013. That was 3 years ago. I have no recollection of an account with this amount owed. I have paid many of the debts that I owed from when I was going to school. I would like to have verification of this debt as I am unaware of this. I would also like to have this summons to court revoked as I have not received any prior contact before this. I was just hit with a summons via mail through the court and am very upset. Thank you in advance.
10/10/2018 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
  • TX
  • XXXXX
 Web
I am clearly a victim of retaliation except my credit report is taking the hit. I made a flow up report to XXXX XXXX about the XXXX dealer that sold me a car XX/XX/2012. The bankruptcy court and attorney advised I had to return the car because the court did not approve. The dealership lied. The car was returned a few months later in XX/XX/2012. After filing a complaint on XXXX and XXXX and XXXX. XXXX allowed a company called Second Round in XXXX Texas to list this as a new collection item which drop my score 71 points. At what point to I have a regulatory advocate that stands up for my rights. I am victmiized over and over. I can only think it is all tied to my complaints on the ther major companies.
09/13/2017 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
  • SC
  • 29687
 Web
I provided information to XXXX and the creditor Second Round in XXXX andXX/XX/XXXX which proved that the Second Round ( {$3400.00} ) account was being reported incorrectly and was too old to be on my file. The date reported is incorrect and this creditor has already been deleted from XXXX and XXXX because of this reason. XXXX indicates in the status field of my report that " This account is scheduled to continue on record until XX/XX/XXXX'', however it remains on my credit report. I am unable to speak with anyone on the phone about this matter and because this item has been disputed on several occasions, I am not permitted to contact XXXX online about this matter.
02/06/2020 Yes
  • Debt collection
  • I do not know
  • False statements or representation
  • Impersonated attorney, law enforcement, or government official
  • AL
  • 356XX
 Web
This company which I have " NO CONTRACT '' with has no legal right to collect on this said debt per the contract with the original company. Reporting of the debt is a violation of the FCRA. Section 623 ( a ) ( 2 ), Section 623 ( a ) ( 1 ) ( B ), and Section 623 ( b ) ( 1 ) ( E ). Please provide me with a true and certified copy of the complete audit trail/Certified Final Forensic Internal Audit of said account. Futhermore, in order for 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.
10/13/2019 Yes
  • Debt collection
  • Credit card debt
  • Took or threatened to take negative or legal action
  • Sued you in a state where you do not live or did not sign for the debt
  • NY
  • 13027
 Web
In XXXX a man arrived at a residence that I do not reside at and informed the person there that he will serve me or tape the summons to the door. I then received another letter from the Supreme Court in the mail last week and a copy of the lawsuit from the lawyer of the company. This company is not on my credit report, I have never heard of this company or this debt. I attempted to call the lawyer to discuss this and was told I had to pay the full amount right then to stop legal action or pay half and then the other half in two weeks. They are threatening to garnish my wages and have not responded to any questions on verification of debt.
12/02/2015 Yes
  • Debt collection
  • Credit card
  • Cont'd attempts collect debt not owed
  • Debt was paid
  • DC
  • 20017
 Web
My account with XXXX XXXX is paid completely and closed XX/XX/XXXX. As a matter of fact, they sent me a check back for overpaid owed money {$600.00}. Yet some how the account was reported as charged off XX/XX/XXXX, despite that it is been paid and closed XX/XX/XXXX The account has been sold to XXXX different collection agencies ever since. As of now the account sits on the credit report as in collection and a separate collection agency for the account is there too which is ruining my credit and score. I disputed the item with all all the collection agencies and XXXX XXXX but got no where. I am attaching all document for your information.
05/08/2015 Yes
  • Debt collection
  • Credit card
  • Cont'd attempts collect debt not owed
  • Debt is not mine
  • FL
  • 337XX
 Web
On XXXX XXXX, 2015 my legal representative sent documents trying to verify the debt Second Round LP is trying to collect from me and also verify that they are legally allowed to collect in the state of florida. Their response has proven they can not verify the debt, are just trying to collect a made up amount of money from me and are not legally allowed to collect in the state of florida. This debt is also 8 years old and they are still reporting to the credit bureaus and have now ruined my chance of purchasing a house for the next year which means I 'll have to rent again and waste thousands of dollars I ca n't afford to lose.
06/01/2020 Yes
  • Debt collection
  • Other debt
  • False statements or representation
  • Attempted to collect wrong amount
  • TX
  • 77087
 Web
Second Round Limited Partnership and XXXX XXXX XXXX XXXX tried to collect a debt from me that I didn't owe. I sent over the creditors validation letter neither one of them Validated the debt in order to prove they were capable of collecting the debt in the 45 day allotted time given by the ( FDCPA ) Fair Debt Collection Practice Act. In fact, Second Round Limited Partnership didn't answer back to my letter I sent them. Accordingly, to the Law when a collection company doesn't answer back with in 45 days they most stop all collection efforts and removed themselves from my credit report from all three credit bureaus.
05/02/2019 Yes
  • Debt collection
  • Credit card debt
  • Written notification about debt
  • Didn't receive notice of right to dispute
  • CT
  • 06066
 Web
I filed a dispute with XXXX XXXX regarding a XXXX card that is reporting negatively on my credit report. I received a letter in the mail on XX/XX/XXXX dated XX/XX/XXXX stating that my account had been sold to Second Round LP on XX/XX/XXXX. I never received a letter or any documentation from Second Round LP regarding any accounts and Im not even sure that this debt is mine. I received the letter on XX/XX/XXXX and as of XX/XX/XXXX its reporting negatively on my credit reports. I want it removed as I never received any documentation from this company and am not even sure that the account is mine.
02/01/2018 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Problem with a credit reporting company's investigation into an existing problem
  • Investigation took more than 30 days
  • FL
  • 328XX
 Web
On XX/XX/XXXX I contacted Second Round LP in regards to a collection reporting on my XXXX credit report which I have no idea it was still on there. I was told by the XXXX XXXX agency XXXX XXXX infomed me that this account has been in dispute for over 2 years. He informed me the account was originated XXXX XXXX and XXXX XXXX took over the account which he said the information is reporting wrong address and name. A dispute to this account was on XX/XX/XXXX through XXXX and did not get a response within 30 days. I m very distress because this account is fraduently reporting on my credit report.
04/25/2019 Yes
  • Debt collection
  • Medical debt
  • False statements or representation
  • Attempted to collect wrong amount
  • MD
  • 207XX
 Web Older American
I was forced to pay for glasses I could not afford, told person I did not have a job, they opened up charge account, and instead of getting reasonable price, tried to use all the money in account. I tried early to get them to reduce intrest, so I could get a hold on the account. The account was sold and closed, I got money to try to pay for the debt, started to make payments, made four payments, that have not been substracted.The intrest doubled what I owed. Now the person who sold account came back on scene, making statements, even though I have been making payments.
01/31/2023 Yes
  • Debt collection
  • I do not know
  • Attempts to collect debt not owed
  • Debt is not yours
  • GA
  • XXXXX
 Web
In XXXX, my identity was stolen and used to file taxes and in XXXX, my identity was used to apply for loans, credit cards, and only XXXX knows what else according to my knowledge. As I'm not exactly sure who nor when, I can only assume it's due to the XXXX web and also when my personal information was auctioned off in a storage unit that I lost in XXXX. I immediately placed an initial fraud alert on all XXXX of my credit files with all XXXX major credit bureaus. I then signed up for credit monitoring and I have filed an ID theft affidavit and a police report.
08/03/2015 Yes
  • Debt collection
  • Credit card
  • Disclosure verification of debt
  • Not disclosed as an attempt to collect
  • NJ
  • 078XX
 Web
I noticed on my credit report that Second Round LLP has us in " collections '' XXXX from Second Round called me on XXXX/XXXX/15, i did not receive a letter, no verification when he called, he did have some personal information but not exact, he pulled our credit report w/o our consent. He was " fishing '' for info, during his call he THREATENED to take legal action if i did n't agree to pay. He said he would send a verification letter, he never did. He got very hostile when i questioned him. I never heard back until i saw them listed on our credit reports.
01/14/2020 Yes
  • Debt collection
  • I do not know
  • Attempts to collect debt not owed
  • Debt is not yours
  • MI
  • 48906
 Web
I am writing, again in regards to an issue with Second Round LP. I have received a summons from the courts regarding this account. I have also submitted a letter to Second around LP requesting a proper debt validation. I am attaching a copy of my dispute results from XXXX which has deleted this account from my credit file. I am also curious as to why the court paper work showing the debt collector as XXXX XXXX XXXX XXXX. I am requesting a proper debt validation be done. XXXX has deleted this account from my credit file. Proof is attached.
11/18/2023 Yes
  • Credit reporting or other personal consumer reports
  • Credit reporting
  • Incorrect information on your report
  • Account information incorrect
  • NJ
  • XXXXX
 Web
I only have one XXXX XXXX account and not two. I have a XXXX XXXX account and a XXXX XXXX account. XXXX violates the consumer protection law by having two duplicate accounts on my credit report. I assume that when comenity sold the debt to second round XXXX they are also reporting me. These two account have different account numbers which I find extremely odd. This is FRAUD. Please see previous complaint regarding Second Round and XXXXXXXX XXXX. I plan on seeking a lawyer and suing XXXX, XXXXXXXX XXXX and Second Round XXXX
07/17/2017 Yes
  • Debt collection
  • Credit card debt
  • Attempts to collect debt not owed
  • Debt is not yours
  • GA
  • 30248
 Web
I was informed by Second Round LP that my alleged account with them was sold to XXXX XXXX XXXX even though Second Round 's claim against was dismissed in court. I have called and left several voice mails with XXXX XXXX XXXX to discuss this matter and no one answers the phone or returns my calls. XXXX XXXX XXXX does not have a working website to contact them via the internet either. I would like any intended actions against me or my credit by XXXX XXXX XXXX to be ceased immediately.
03/10/2021 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
  • FL
  • XXXXX
 Web
Second Round LP was removed off my credit and not the credit bureaus have put it back on my credit. The original loan from 2012 was found to be in error. It was entire amount was removed by XXXX. This 2nd collection company put the interest on my credit report. that was subsequently removed now it reappeared on my credit. Again, I feel targeted by the credit bureaus. They refused to follow FCRA compliance initiatives and violate my rights as a consumer. The amount placed back on my credit report is XXXX
07/21/2016 Yes
  • Debt collection
  • Credit card
  • Communication tactics
  • Used obscene/profane/abusive language
  • NJ
  • 078XX
 Web
Case number XXXX, XXXX, XXXX I have attached a copy of my husbands credit report provided by XXXX. Second Round LP is still reporting " open collections '' updated XXXX XXXX, 2016. Attached also statement from case listed above where Second Round LP " ... decided to close this account and DELETE it from the credit bureau. We have asked our servicer to provide proof they have proper controls to assure all required verifications take place. '' To date, it has not been deleted from my husbands credit file.
08/10/2022 Yes
  • Debt collection
  • Credit card debt
  • Attempts to collect debt not owed
  • Debt is not yours
  • NH
  • 03038
 Web Older American, Servicemember
Hi, This is a different collection company but the same debt that I disputed years ago on CFPB. I contacted all companies concerned last time before contacting cfpb. It disappeared from credit reports back then and hasn't reappeared, yet. Amount : {$890.00} Collection Company : XXXX XXXX XXXX XXXX ( XXXX ) XXXX XXXX XXXX. XXXX, SC XXXX XXXX XXXX Reference # : XXXX Original Creditor : XXXX XXXX Current Creditor : XXXX XXXX XXXX XXXX Please let me know if you need anything else. Thanks for your help.
08/31/2018 Yes
  • Debt collection
  • I do not know
  • Took or threatened to take negative or legal action
  • Threatened to sue you for very old debt
  • OH
  • 448XX
 Web
On XX/XX/XXXX, Second Round Llp, filed a civil suit at my local court regarding a debt in the amount of XXXX. I have not received correspondence from this company validating this debt. Second Round LLP buys old debt and tries to collect. I get robocalls all the time but not sure if it is from them since no company information is given. I do not even know what this debt is for. I sent correspondence on XX/XX/XXXX for immediate validation of this debt. They have also put a negative remark on my credit
06/08/2017 No
  • Debt collection
  • I do not know
  • Attempts to collect debt not owed
  • Debt is not yours
  • WA
  • 98501
 Web
I have been writing letters to this company for more t han two years. I 've made several request for this company to several times that I be provided with a copy of the complete payment hisotry, proof of agreement which bears the signature of the alleged deb tor showing that there had been an agreement to pay the original balance, letter of sale or assigment from the oeriginal creditor. None of these has been sent to me. Nothing has been done. They are reporting items that are unsubstantiated.
12/22/2015 Yes
  • Debt collection
  • I do not know
  • Cont'd attempts collect debt not owed
  • Debt is not mine
  • CA
  • 94597
 Web
This company has failed to provide me with validation of an account I had disputed by mail correspondence sent to them last month. This is a debt I believe to be frivolous and the company 's failure to respond with validation proves that this is indeed a frivolous account. Additionally this company is reporting the account on my credit report as a past due account from last month and making it look as though this account is a recent account. This constitutes illegal reporting of the account.
05/06/2019 Yes
  • Debt collection
  • Credit card debt
  • Took or threatened to take negative or legal action
  • Threatened or suggested your credit would be damaged
  • MO
  • XXXXX
 Web Servicemember
Now there is another company that opened up an account in my name and it is on my credit report. The company name is Second Roundup LP. This company got my name from XXXX XXXX. this company has access to my personal information. These collections companies purpose is to destroy my credit rating. The fact that they opened up an account is my name is fraud. It is fraud because I was not aware of this company had opened up an account in my name with information given to them by XXXX XXXX.
03/11/2020 Yes
  • Debt collection
  • I do not know
  • Attempts to collect debt not owed
  • Debt is not yours
  • NH
  • 03038
 Web Servicemember
I check my credit reports several times a month and this collection for {$890.00} from Second Round just showed up on my XXXX and XXXX credit reports. I tried disputing them on agencies websites since XXXX. Date opened was XX/XX/2019 according to XXXX website. My data was breached when XXXX lost all that data. Why didn't this account show up on my credit reports until Second Round got it?? All of my actual accounts are in good standing and always have been. Thanks
03/30/2019 Yes
  • Debt collection
  • Credit card debt
  • False statements or representation
  • Attempted to collect wrong amount
  • GA
  • 30458
 Web
Second Round collection account on my credit reports I have disputed on several occasions. Secound Round collections account.. I do not have an corresponding account number referencing a corresponding number on my credit reports, as this account does not belong to me. I have disputed and spoken with the credit bureaus trying to resolve this problem to no avail. The account number nor the amounts from the collection agencies correspond with any debt listed on my report.
03/27/2020 Yes
  • Debt collection
  • I do not know
  • Written notification about debt
  • Didn't receive notice of right to dispute
  • UT
  • 84032
 Web
SECOND ROUND LP is attempting to collect on a debt that I do not owe. I was never aware that I had this debt. I did not receive any phone calls, or anything in the mail about the debt. I notice this debt recently when I pulled my credit. I immediately took the initiative to call & & pay the debt. I am demanding that they stop reporting this debt on my credit file.I do not owe the debt, and they are also in violation of my 30 day right to dispute, per the FCRA.
05/04/2020 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Problem with a credit reporting company's investigation into an existing problem
  • Their investigation did not fix an error on your report
  • MN
  • 55038
 Web
I did not receive and money, goods, services, or any benefit as a result of what happened in my complaint. These accounts are unfamiliar to me and I was told to let you know about them. In accordance with section 605 B of the Fair Credit Reporting Act, 15 U.S.C. 1681g ( e ), I am requesting that you Permanently Block business records relating to the fraudulent accounts and identifying information identified above from appearing on my credit report.
07/19/2018 Yes
  • Debt collection
  • Credit card debt
  • Attempts to collect debt not owed
  • Debt is not yours
  • MI
  • 48235
 Web
on XX/XX/2018.iIwritten a debt validation letter to collection agency second round LP on a debt from XXXX XXXX they state their is a balance of {$800.00} the second debt they claimed i owe a balance of XXXX .i have not received any respond back after 30 days .i ask second round to remove the negative item off my report they send the debt off to another company.i also disputed the items with transunion .they have not given me any responds back either.
08/12/2022 Yes
  • Debt collection
  • Credit card debt
  • Attempts to collect debt not owed
  • Debt is not yours
  • TX
  • 78216
 Web Servicemember
Second Round Sub LLC is trying to file a lawsuit without properly giving me an option to dispute this alleged debt. I do not owe this company a thing and do not know where this company thinks it can file against me. I have sent them a letter stating that my only income is federally protected ( social security and veteran 's benefits ). I know my information has been found on the dark web, and my identity has been used without my permission.
10/04/2019 Yes
  • Debt collection
  • Credit card debt
  • Written notification about debt
  • Didn't receive enough information to verify debt
  • NC
  • 27834
 Web
Second Round LP is trying to collect monies owed on two previous credit card accounts I opened with XXXX XXXX in XXXX. The amounts are {$560.00} and {$450.00}. Currently these two accounts are negatively reporting on my credit reports as collections. In North Carolina, a debt collection agency has to have a permit or license to collect from NC residents. As of today 's date XX/XX/XXXX, Second Round LP does not have a permit or license.
04/23/2021 Yes
  • Debt collection
  • Credit card debt
  • Attempts to collect debt not owed
  • Debt is not yours
  • OH
  • 45240
 Web
On XX/XX/2021 I sent Second round Sub LLC a debt validation letter. They received the letter on XX/XX/21. On XX/XX/21 they sent me a buckle bill. On XX/XX/21 I sent a failure to validate letter and they received it on XX/XX/21. They are still suing me and reporting a debt damaging my character.I emailed XXXX XXXX at XXXX XXXX to try to resolve the matter for XXXX $ but I noted that this is not me acknowledging or accepting the debt.
04/20/2021 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Other personal consumer report
  • Incorrect information on your report
  • Public record information inaccurate
  • TX
  • 76706
 Web
On my background check, I have a judgement listed as an eviction. The situation is not an eviction, this is a credit card. The credit card is from XXXX XXXX XXXX XXXX . The account was sold to Second Round collection. It went to court and I settled on XX/XX/2021. I have two settlement letters that show satisfaction from the XXXX XXXX XXXX and from Second Round. I need this removed from my background check as it shows as an eviction.
04/18/2016 Yes
  • Debt collection
  • Credit card
  • Cont'd attempts collect debt not owed
  • Debt resulted from identity theft
  • TX
  • 752XX
 Web
This creditor called " XXXX '', say that i owe them XXXX dollars of items that i have no idea what they are talking about, and it happen XX/XX/XXXX -XX/XX/XXXX i have know idea who stole me Identity was stole about that time dealing with a Tax issues thats the only time that i knew of any Idenitiy fraud. So debt collector called Second Round LP send a statement of payment to me thats when i contacted Bureau of Consumer Financial.
03/12/2020 Yes
  • Debt collection
  • Credit card debt
  • Attempts to collect debt not owed
  • Debt is not yours
  • MN
  • 55901
 Web
I was sued by the Second Round Sub. LLC claiming that I own money for XXXX XXXX. I attempted to communicate that I did own the debt and requested to provide me authentification and the contract agreement that bears my signature. However, they asked the court for the judgment and it was granted without showing proof. After I researched I found out that the Second Round Sub , LLC buys a debt consumer do not own or paid off ones.
11/19/2016 Yes
  • Debt collection
  • I do not know
  • Cont'd attempts collect debt not owed
  • Debt resulted from identity theft
  • TX
  • 78665
 Web
I was a victim of identity theft and when I saw a collection from Second Round LP it freaked me out. I went to the FTC & Identitytheft.gov website and filed a case. They instructed me to fill out and notarize a ID Theft Affidavit. It 's been over 30 days and no response. What do I do? XXXX. Not trying to give a sad story it 's just, .. how do I fix this when I follow what the sites said. Please help thank you. XXXX
01/11/2020 Yes
  • Debt collection
  • Credit card debt
  • Threatened to contact someone or share information improperly
  • Talked to a third-party about your debt
  • UT
  • 84088
 Web
Friday, XX/XX/2019. The Debt Collector sent process server to serve papers at my brother 's house. Without my brother saying anything she quickly told him my name and they are trying to serve me for Debt. I don't live in that location. I was only staying with them for a bit but currently have my own apartment. I don't know why they would tell him my name without him asking and be telling him my business.
05/19/2015 Yes
  • Debt collection
  • I do not know
  • Disclosure verification of debt
  • Not given enough info to verify debt
  • MD
  • 21044
 Web
Violation of 809. Validation of debts [ 15 USC 1692g ] I sent SECOND ROUND SUB LLC, a letter requesting validation of debt and they failed to respond with original creditors name, address, original date of delinquency, proof of debt, copy of original contract, payment history and proof of State of Maryland XXXX and Resident Agent name as required by the State of Maryland ; Code of Regulations 7-104.
05/16/2019 Yes
  • Debt collection
  • I do not know
  • Attempts to collect debt not owed
  • Debt is not yours
  • GA
  • XXXXX
 Web
You have 1 account in Collections Account Name Original Creditor Open Date Balance Debt Contact Information SECOND ROUND LP XXXX XXXX XXXX XX/XX/2017 {$600.00} {$600.00} XXXX XXXX XXXX XXXX XXXX, TX XXXX ( XXXX ) XXXX This account has repeatedly shown up on my credit report even after proof has been provided that it's not mine. I have no luck with communication with this company and no responses.
06/09/2017 No
  • Debt collection
  • I do not know
  • Communication tactics
  • Used obscene, profane, or other abusive language
  • MD
  • 20817
 Web
They called at XXXX on XXXX XXXX , 2017 . Looking for my wife. I told they she was not here. I asked what they wanted and they told me it was personal matter. I ask ed ifI was bing recorded and I was told I was. I informed they that in MD they had to tell people that according to MD law. I asked for an address to mil a compliant to. The lady started screaming at me. I then hung up.
09/22/2020 Yes
  • Debt collection
  • Credit card debt
  • Written notification about debt
  • Didn't receive enough information to verify debt
  • OH
  • 443XX
 Web
Second Round Sub LLC contacted me in XX/XX/XXXX about a debt. On XX/XX/XXXX, within the 30 days I had to request validation of said debt, I sent a validation letter. I had received nothing in return until XX/XX/XXXX when I received notice of being sued by the company 's attorney. According to FDCPA they are in violation by trying to collect on a debt they never validated.
02/17/2020 Yes
  • Debt collection
  • I do not know
  • Written notification about debt
  • Didn't receive notice of right to dispute
  • TX
  • 760XX
 Web
Second Round Limited Partnership has filed negative reporting to the credit agencies for a fraudulent debt. No communication was made to me even though my address is available in the public record. I do not have any debts outstanding. The company has not made the necessary correction to the reporting agencies although I have reached out multiple times for them to do so.
10/09/2016 Yes
  • Debt collection
  • Credit card
  • Taking/threatening an illegal action
  • Sued where didn't live/sign for debt
  • CA
  • 91730
 Web
I received paper work from my place of work that I had a wage garnishment. I looked over the paper work and the creditor sued me in XXXX XXXX county. I have never received a letter that I was being sued, and I never lived in XXXX XXXX county nor did I take out the credit in that county. I have always lived in XXXX county and took out the debit in XXXX county.
05/17/2015 Yes
  • Debt collection
  • Payday loan
  • False statements or representation
  • Impersonated an attorney or official
  • ID
  • 83607
 Web Older American
This account was a payday loan from the XXXX XXXX in XXXX, XXXX. XXXX years will be complete in XXXX XXXX. I am requesting that this loan disappear from my account. Company has claimed XXXX/XXXX/XXXX which is incorrect. Please send copy of original note signed to me verifying date. Loan was made against my social security payment from the XXXX government.
11/19/2019 Yes
  • Debt collection
  • Credit card debt
  • Communication tactics
  • Used obscene, profane, or other abusive language
  • IA
  • 514XX
 Web
This company has called me, my husband and our relatives about several accounts between my husband and I. They told my father in law that he's XXXX father of the year because he told them to stop calling. They are giving out personal information about the debts to my cousin. We also disputed with XXXX XXXX XXXX but no one responded.
08/10/2018 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Incorrect information on your report
  • Account information incorrect
  • PA
  • XXXXX
 Web Servicemember
On XX/XX/2018, I received a letter from a debt collector which clearly states at the bottom of the letter that they will not sue me for the debt and they will not report it to any credit reporting agency. Yet they continue to report the debt and will not remove it despite the fact that I have disputed it with the reporting agencies.
09/18/2018 Yes
  • Debt collection
  • Credit card debt
  • Written notification about debt
  • Notification didn't disclose it was an attempt to collect a debt
  • MI
  • 48187
 Web
I have 2 collections account from a company I do not know of. I have disputed this on my credit report and they say the debt is valid, without showing proof of signature. Second Round insist that I owe this debt. I would like it removed from my credit report or they need to provide proof my signature for the debt they say I owe.
07/22/2019 Yes
  • Debt collection
  • Credit card debt
  • Attempts to collect debt not owed
  • Debt is not yours
  • VA
  • 223XX
 Web
this collection Second Round, Limited Partnership reported incorrect accounts on my credit report causing finance hardship and harassment. I have tried to remove it and dispute the accounts by asking a copy showing my signature on the contract. yet they failed provide me with any document to prove they right to ask for payment.
07/02/2019 Yes
  • Debt collection
  • I do not know
  • Written notification about debt
  • Didn't receive enough information to verify debt
  • NY
  • 127XX
 Web
I recently checked my credit report and found that Second Round LP was listed as a collection account. I have no clue to who this company is. I have not received any kind of mail from this company. They are reporting unVALIDATED information. I do not know what this said debt is due to lack of communication from this company.
10/25/2022 Yes
  • Debt collection
  • Credit card debt
  • Took or threatened to take negative or legal action
  • Sued you without properly notifying you of lawsuit
  • FL
  • 34691
 Web
This company took me to court over this debt. The debt amount is incorrect due to the fact the original creditor XXXX XXXX was sued for not allowing its customers access to the website to pay their bills which resulted in late fees and higher interest being wrongfully charged. The company was sued in a class action lawsuit
06/10/2019 Yes
  • Debt collection
  • Credit card debt
  • Attempts to collect debt not owed
  • Debt is not yours
  • SC
  • 294XX
 Web Servicemember
I have never done business with Second Round Lp. I do not have a signed contract or a verbal agreement with this company. Second Round Lp is considering the means of the US Postal service to fraud me out of money. This is extortion. I will notify the postal inspectors and pursue litigation for defamation of character.
05/16/2019 Yes
  • Debt collection
  • Credit card debt
  • Took or threatened to take negative or legal action
  • Sued you in a state where you do not live or did not sign for the debt
  • NY
  • 138XX
 Web
I have received a lawsuit and a threat to garnishee my wages. I have not heard of this company. I have had no idea who these guys are. None of my records from my credit report match the amount shown on the paperwork I have received. I attempted to contact the lawyer they took my case to and they hung up on me.
11/10/2016 Yes
  • Debt collection
  • Credit card
  • Disclosure verification of debt
  • Right to dispute notice not received
  • FL
  • 32724
 Web Older American, Servicemember
Called about new collection account on my report asked for verification /proof of debt and related documentation was told they do n't have to provide it original creditor probably would n't have it due to age of credit. Debt is bought in blocks not individually. Demanded collection. E removed from my report
07/26/2019 Yes
  • Debt collection
  • Credit card debt
  • Written notification about debt
  • Didn't receive notice of right to dispute
  • MO
  • XXXXX
 Web
On XX/XX/2019 I sent an email and mailed a letter to Second Round Up concerning their account listed on my credit report. In my email I asked for them to please validate the debt, if they could not do so please remove from all three bureaus of my credit report. To this date they have not done so.
09/11/2016 Yes
  • Debt collection
  • Other (i.e. phone, health club, etc.)
  • Cont'd attempts collect debt not owed
  • Debt was paid
  • TX
  • 754XX
 Web
Second XXXX is attempting to collect and sue over an account that was paid in full by XXXX insurance provided by XXXX XXXX in 2012. This debt is false. I am being harassed over the phone with multiple phone calls back to back and they have come to my home at XXXX at night threatening my spouse
09/15/2015 Yes
  • Debt collection
  • I do not know
  • Disclosure verification of debt
  • Not given enough info to verify debt
  • MD
  • 21045
 Web
I requested a detailed verification of a debt I was not familiar with. I sent the letter and was sent a response that was not sufficient for me to be able to identify if the debt actually belonged to me. I did not get any satisfactory answer after their initial response.
02/20/2020 Yes
  • Debt collection
  • I do not know
  • Attempts to collect debt not owed
  • Debt is not yours
  • MI
  • 48906
 Web
I have been trying to obtain a proper debt validation from XXXX XXXX XXXX, Second Round Up, XXXX XXXX as well as from the three major credit bureaus with no such luck. Attached is a copy of dispute results from XXXX showing theyve deleted this from my credit file.
06/25/2017 No
  • Debt collection
  • Medical debt
  • False statements or representation
  • Told you not to respond to a lawsuit they filed against you
  • GA
  • 30269
 Web
this company serv ome court documents with out my knowledge, at th location wre i was not longer working. i have moved out the estate do to a family law case, in ordr to save myself and kids, iw as evicted from my house and they went and garnished my wages
02/28/2020 Yes
  • Debt collection
  • Credit card debt
  • Attempts to collect debt not owed
  • Debt is not yours
  • CA
  • 90047
 Web
I received email from credit bureaus that second round debt collection has reported a bill that I owe them in amount XXXX from XXXX XXXX. I have good credit history with XXXX. I have no knowledge of this debt. Can you please resolve the issue
02/19/2020 Yes
  • Debt collection
  • Credit card debt
  • Communication tactics
  • You told them to stop contacting you, but they keep trying
  • TX
  • 78413
 Web
Repeated harassment and home visits from XXXX XXXX XXXX who handle old bad debt. Send them a cease and desist letter on XX/XX/2019 and today they sent someone to my home violating this cease and desist to serve with bad debt papers.
06/16/2020 Yes
  • Debt collection
  • Credit card debt
  • Attempts to collect debt not owed
  • Debt is not yours
  • NY
  • 11434
 Web
Someone got my XXXX XXXX card and used it, Ive been trying for a very long time to Disput this account, which they had removed the negative items from my credit report and then put it back, this is very unfair to me
10/03/2018 Yes
  • Debt collection
  • Credit card debt
  • Attempts to collect debt not owed
  • Debt was already discharged in bankruptcy and is no longer owed
  • PA
  • 19141
 Web Servicemember
I don't have any accounts with this company and have never done business with them. This information should not be on my credit profile. I reached out to have the account closed but it still appears on my profile.
03/04/2020 Yes
  • Debt collection
  • I do not know
  • Written notification about debt
  • Didn't receive enough information to verify debt
  • MA
  • 023XX
 Web
I have contacted the creditor/company many times but they have failed to provide me with necessary documents that will prove this account or debt belongs to me and it has resulted in loss of credit rating.
02/27/2020 Yes
  • Debt collection
  • I do not know
  • Written notification about debt
  • Didn't receive enough information to verify debt
  • MA
  • 027XX
 Web
I have contacted the creditor/company many times but they have failed to provide me with necessary documents that will prove this account or debt belongs to me and it has resulted in loss of credit rating.
02/24/2020 Yes
  • Debt collection
  • I do not know
  • Written notification about debt
  • Didn't receive enough information to verify debt
  • MA
  • 027XX
 Web
I have contacted the creditor/company many times but they have failed to provide me with necessary documents that will prove this account or debt belongs to me and it has resulted in loss of credit rating.
02/17/2020 Yes
  • Debt collection
  • I do not know
  • Written notification about debt
  • Didn't receive enough information to verify debt
  • MA
  • 02301
 Web
I have contacted the creditor/company many times but they have failed to provide me with necessary documents that will prove this account or debt belongs to me and it has resulted in loss of credit rating.
03/22/2020 Yes
  • Debt collection
  • Credit card debt
  • Attempts to collect debt not owed
  • Debt was result of identity theft
  • NY
  • 11434
 Web
Im a victim of identity theft someone got my card and used it to buy stuff and now the company wants me to pay for it, when I first noticed it I called XXXX XXXX and told them they even canceled that card
03/22/2018 Yes
  • Debt collection
  • I do not know
  • Attempts to collect debt not owed
  • Debt is not yours
  • MN
  • 565XX
 Web
Alleged debt bought by Second Round Limiter Partnership. Failure to provide validity of debt and proceeded to put said alleged debt on my credit report, which is against the FDCPA. Item must be removed.
12/30/2015 Yes
  • Debt collection
  • Payday loan
  • Cont'd attempts collect debt not owed
  • Debt was paid
  • NJ
  • 08817
 Web Servicemember
Second Round LP, collecting on behalf of XXXX XXXX XXXX continues to try to make attempts to collect on a debt that has already been paid for on XXXX XXXX, 2011. They call me various times a day!
12/02/2015 Yes
  • Debt collection
  • Credit card
  • Disclosure verification of debt
  • Right to dispute notice not received
  • NH
  • 033XX
 Web
I did not recieve a notice to validate the debt. They are stilling trying to collect on it. That is a violation of the FDCPA and FCRa because they are also reporting it on my credit report.
01/03/2017 Yes
  • Debt collection
  • Other (i.e. phone, health club, etc.)
  • Cont'd attempts collect debt not owed
  • Debt was paid
  • FL
  • 32129
 Web Servicemember
Settled with a collection agency on XX/XX/2016 but refuse to remove a neg. mark on one of my credit reports. All other creditors Have been settled and neg. remark removed but one.
01/20/2020 Yes
  • Debt collection
  • I do not know
  • Written notification about debt
  • Didn't receive enough information to verify debt
  • MA
  • 027XX
 Web
I have disputed this account and have reached out to the company/creditors MANY times but failed. This account is being reported inaccurately and incorrectly on my credit report.
11/19/2019 Yes
  • Credit card or prepaid card
  • General-purpose credit card or charge card
  • Getting a credit card
  • Card opened as result of identity theft or fraud
  • CA
  • 91104
 Web
I use to have a BK on my file long time ago but i can see a lot going on on my credit report want to clean and remove all non related information from my credit report
04/14/2018 Yes
  • Debt collection
  • Credit card debt
  • Attempts to collect debt not owed
  • Debt was paid
  • PA
  • 19050
 Web Servicemember
I have an entry on my XXXX credit report ( which I have just disputed ) for an old XXXX card, that I settled with a previous debt collection agency.
12/10/2020 Yes
  • Debt collection
  • Other debt
  • Attempts to collect debt not owed
  • Debt was result of identity theft
  • GA
  • 30223
 Web
Recently received a collection notice from second round sub llc for an account with XXXX XXXX that is not my debit. This is a fraudulent account.
05/02/2018 Yes
  • Debt collection
  • Credit card debt
  • Attempts to collect debt not owed
  • Debt is not yours
  • NE
  • 68154
 Web
The contract was ended in 2016. The debt was written off by the company in 2016. This is no longer a valid debt. No valid contract exists.
03/22/2016 Yes
  • Debt collection
  • Credit card
  • Disclosure verification of debt
  • Right to dispute notice not received
  • FL
  • 32819
 Web
I need in writing the resolution from second round collection agency the this debt is not collectable and I 'm not liable and longer
08/22/2019 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
  • CA
  • 94565
 Web
XXXX sold my account to second round and both companies are showing that I owe for XXXX accounts. XXXX can not resolve the issue.
08/18/2019 Yes
  • Debt collection
  • Credit card debt
  • Attempts to collect debt not owed
  • Debt is not yours
  • FL
  • 33069
 Web
This company is sending me the same debt as two other companies and refuse to remove this from my credit report.
01/27/2018 Yes
  • Debt collection
  • I do not know
  • Communication tactics
  • Frequent or repeated calls
  • FL
  • 32826
 Web
I do not know who the second round is but I just want to get this taken care of as quickly as possible
02/18/2018 Yes
  • Debt collection
  • Credit card debt
  • Communication tactics
  • Frequent or repeated calls
  • FL
  • XXXXX
 Web
I do not know who they are or what they are looking for out of me they are based out of XXXX Texas
09/22/2017 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Incorrect information on your report
  • Account information incorrect
  • TX
  • 78550
 Web Servicemember
Accounts with debt collector that have no relationship with or never done business with.
01/20/2017 Yes
  • Debt collection
  • Medical
  • Disclosure verification of debt
  • Not given enough info to verify debt
  • GA
  • 30248
 Web
no consent given or obtained by me for this debt, no contract signed
02/12/2024 Yes
  • Debt collection
  • Medical debt
  • False statements or representation
  • Attempted to collect wrong amount
  • FL
  • 33406
 Web
01/20/2024 Yes
  • Debt collection
  • Medical debt
  • False statements or representation
  • Impersonated attorney, law enforcement, or government official
  • FL
  • 33406
 Web
02/15/2023 Yes
  • Debt collection
  • Credit card debt
  • Took or threatened to take negative or legal action
  • Threatened to sue you for very old debt
  • OH
  • 44663
 Postal mail Older American, Servicemember
10/11/2022 Yes
  • Debt collection
  • Credit card debt
  • Attempts to collect debt not owed
  • Debt was paid
  • FL
  • 33543
 Web
06/24/2022 Yes
  • Debt collection
  • Credit card debt
  • Attempts to collect debt not owed
  • Debt was paid
  • AL
  • 35080
 Web
06/09/2022 Yes
  • Debt collection
  • Medical debt
  • Written notification about debt
  • Didn't receive enough information to verify debt
  • CA
  • 90010
 Web Older American
05/04/2022 Yes
  • Debt collection
  • Credit card debt
  • Communication tactics
  • Used obscene, profane, or other abusive language
  • CA
  • 92618
 Web
05/01/2022 Yes
  • Credit card or prepaid card
  • Store credit card
  • Problem with a purchase shown on your statement
  • Card was charged for something you did not purchase with the card
  • NY
  • 10029
 Web
04/20/2022 Yes
  • Debt collection
  • Credit card debt
  • Attempts to collect debt not owed
  • Debt is not yours
  • NY
  • 127XX
 Web
04/11/2022 Yes
  • Debt collection
  • I do not know
  • Attempts to collect debt not owed
  • Debt is not yours
  • FL
  • 33160
 Phone Older American
01/07/2022 Yes
  • Debt collection
  • Credit card debt
  • Attempts to collect debt not owed
  • Debt was result of identity theft
  • NY
  • 10033
 Web Older American
01/05/2022 Yes
  • Debt collection
  • I do not know
  • Attempts to collect debt not owed
  • Debt was result of identity theft
  • NY
  • 11791
 Web Older American
05/11/2021 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Incorrect information on your report
  • Account information incorrect
  • OH
  • 44121
 Web
05/10/2021 Yes
  • Debt collection
  • Credit card debt
  • Took or threatened to take negative or legal action
  • Collected or attempted to collect exempt funds
  • FL
  • 34638
 Phone
04/30/2021 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
  • 19134
 Web
04/26/2021 Yes
  • Debt collection
  • Credit card debt
  • Attempts to collect debt not owed
  • Debt was already discharged in bankruptcy and is no longer owed
  • NY
  • 11355
 Web
04/05/2021 Yes
  • Debt collection
  • Credit card debt
  • Attempts to collect debt not owed
  • Debt is not yours
  • NV
  • 89081
 Web
02/11/2021 Yes
  • Debt collection
  • Credit card debt
  • Attempts to collect debt not owed
  • Debt is not yours
  • TX
  • 79765
 Web
01/10/2021 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
  • NV
  • 89030
 Web
12/26/2020 Yes
  • Debt collection
  • Credit card debt
  • Took or threatened to take negative or legal action
  • Sued you without properly notifying you of lawsuit
  • FL
  • 33401
 Web
12/10/2020 Yes
  • Debt collection
  • Credit card debt
  • Written notification about debt
  • Didn't receive enough information to verify debt
  • TX
  • 75044
 Fax
09/15/2020 Yes
  • Debt collection
  • Credit card debt
  • Attempts to collect debt not owed
  • Debt was result of identity theft
  • TX
  • 78045
 Web
09/11/2020 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
  • FL
  • 33073
 Web
08/05/2020 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Incorrect information on your report
  • Account status incorrect
  • AL
  • 35474
 Web
06/17/2020 Yes
  • Debt collection
  • Credit card debt
  • Attempts to collect debt not owed
  • Debt is not yours
Phone Older American
06/11/2020 Yes
  • Debt collection
  • I do not know
  • Attempts to collect debt not owed
  • Debt is not yours
  • GA
  • 30459
 Web
06/03/2020 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Incorrect information on your report
  • Account information incorrect
  • CA
  • 92335
 Postal mail
06/02/2020 Yes
  • Debt collection
  • I do not know
  • Written notification about debt
  • Didn't receive enough information to verify debt
  • AL
  • 36875
 Postal mail
05/21/2020 Yes
  • Debt collection
  • Medical debt
  • Written notification about debt
  • Didn't receive enough information to verify debt
  • GA
  • 30666
 Phone Older American
05/11/2020 Yes
  • Debt collection
  • Credit card debt
  • Attempts to collect debt not owed
  • Debt was paid
  • OH
  • 45424
 Web
04/24/2020 Yes
  • Debt collection
  • Credit card debt
  • Took or threatened to take negative or legal action
  • Threatened to sue you for very old debt
  • MI
  • 48168
 Web
03/07/2020 Yes
  • Debt collection
  • Credit card debt
  • Attempts to collect debt not owed
  • Debt is not yours
  • MA
  • 01801
 Web
03/03/2020 Yes
  • Debt collection
  • Credit card debt
  • Written notification about debt
  • Didn't receive enough information to verify debt
  • FL
  • 33169
 Web
02/23/2020 Yes
  • Debt collection
  • I do not know
  • Attempts to collect debt not owed
  • Debt is not yours
  • NC
  • 28273
 Web
02/19/2020 Yes
  • Debt collection
  • Credit card debt
  • Written notification about debt
  • Didn't receive enough information to verify debt
  • TX
  • 77584
 Postal mail
02/11/2020 Yes
  • Debt collection
  • Other debt
  • Communication tactics
  • You told them to stop contacting you, but they keep trying
  • KY
  • 41701
 Web
02/05/2020 Yes
  • Debt collection
  • Credit card debt
  • Attempts to collect debt not owed
  • Debt was result of identity theft
  • GA
  • 30086
 Web
01/31/2020 Yes
  • Debt collection
  • I do not know
  • Attempts to collect debt not owed
  • Debt is not yours
  • TN
  • 38002
 Phone Older American, Servicemember
01/30/2020 Yes
  • Debt collection
  • Credit card debt
  • Written notification about debt
  • Didn't receive enough information to verify debt
  • LA
  • 70583
 Postal mail
01/28/2020 Yes
  • Debt collection
  • Credit card debt
  • Attempts to collect debt not owed
  • Debt is not yours
  • TN
  • 38002
 Web
01/21/2020 Yes
  • Debt collection
  • I do not know
  • Written notification about debt
  • Didn't receive notice of right to dispute
  • GA
  • 30086
 Web
01/15/2020 Yes
  • Debt collection
  • Other debt
  • Written notification about debt
  • Didn't receive enough information to verify debt
Postal mail
12/18/2019 Yes
  • Debt collection
  • I do not know
  • Took or threatened to take negative or legal action
  • Collected or attempted to collect exempt funds
  • AZ
  • 86442
 Web Servicemember
12/16/2019 Yes
  • Debt collection
  • Credit card debt
  • Written notification about debt
  • Didn't receive enough information to verify debt
  • IL
  • 62568
 Web
12/11/2019 Yes
  • Debt collection
  • Other debt
  • Attempts to collect debt not owed
  • Debt is not yours
  • SC
  • 29407
 Web
11/11/2019 Yes
  • Debt collection
  • Credit card debt
  • Took or threatened to take negative or legal action
  • Sued you without properly notifying you of lawsuit
  • NY
  • 11357
 Web
10/28/2019 Yes
  • Debt collection
  • Credit card debt
  • Written notification about debt
  • Didn't receive notice of right to dispute
  • CA
  • 95624
 Web
10/28/2019 Yes
  • Debt collection
  • I do not know
  • Written notification about debt
  • Didn't receive enough information to verify debt
  • IL
  • 60620
 Web
10/23/2019 Yes
  • Debt collection
  • I do not know
  • Written notification about debt
  • Didn't receive enough information to verify debt
  • NY
  • 10001
 Postal mail
09/30/2019 Yes
  • Debt collection
  • I do not know
  • Attempts to collect debt not owed
  • Debt is not yours
  • FL
  • 34231
 Fax
09/24/2019 Yes
  • Debt collection
  • Credit card debt
  • Written notification about debt
  • Didn't receive enough information to verify debt
  • IA
  • 52320
 Web
09/13/2019 Yes
  • Debt collection
  • I do not know
  • Attempts to collect debt not owed
  • Debt is not yours
  • NY
  • 10473
 Referral
08/29/2019 Yes
  • Debt collection
  • I do not know
  • Attempts to collect debt not owed
  • Debt is not yours
  • TX
  • 76012
 Web
08/15/2019 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Incorrect information on your report
  • Account status incorrect
  • AZ
  • 85747
 Web
08/09/2019 Yes
  • Debt collection
  • I do not know
  • Attempts to collect debt not owed
  • Debt was result of identity theft
  • OR
  • 97304
 Web
08/06/2019 Yes
  • Debt collection
  • Credit card debt
  • Attempts to collect debt not owed
  • Debt is not yours
Phone
08/04/2019 Yes
  • Debt collection
  • Credit card debt
  • Attempts to collect debt not owed
  • Debt was paid
  • IL
  • 60637
 Web
08/03/2019 Yes
  • Debt collection
  • Credit card debt
  • Took or threatened to take negative or legal action
  • Threatened to sue you for very old debt
  • PA
  • 18222
 Web
07/12/2019 Yes
  • Debt collection
  • I do not know
  • Attempts to collect debt not owed
  • Debt is not yours
  • TX
  • 76012
 Web
07/11/2019 Yes
  • Debt collection
  • I do not know
  • Attempts to collect debt not owed
  • Debt is not yours
  • CA
  • 90403
 Web
06/23/2019 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Incorrect information on your report
  • Account status incorrect
  • LA
  • 70809
 Web
06/14/2019 Yes
  • Debt collection
  • Other debt
  • Written notification about debt
  • Didn't receive enough information to verify debt
  • GA
  • 30094
 Phone
06/12/2019 Yes
  • Debt collection
  • Credit card debt
  • Attempts to collect debt not owed
  • Debt is not yours
  • IL
  • 60637
 Web
05/30/2019 Yes
  • Debt collection
  • Other debt
  • Written notification about debt
  • Didn't receive enough information to verify debt
  • CA
  • 92163
 Web
05/01/2019 Yes
  • Debt collection
  • Other debt
  • False statements or representation
  • Told you not to respond to a lawsuit they filed against you
  • CA
  • 94080
 Web
04/30/2019 Yes
  • Debt collection
  • Credit card debt
  • Attempts to collect debt not owed
  • Debt was paid
  • NY
  • 10986
 Phone
03/28/2019 Yes
  • Debt collection
  • Credit card debt
  • Attempts to collect debt not owed
  • Debt was paid
  • VA
  • 22727
 Phone
03/26/2019 Yes
  • Debt collection
  • Credit card debt
  • Attempts to collect debt not owed
  • Debt is not yours
  • NE
  • 68134
 Web
02/14/2019 Yes
  • Debt collection
  • Credit card debt
  • Attempts to collect debt not owed
  • Debt is not yours
  • OK
  • 74014
 Web
02/11/2019 Yes
  • Debt collection
  • Credit card debt
  • Attempts to collect debt not owed
  • Debt is not yours
  • AL
  • 35023
 Web
02/04/2019 Yes
  • Debt collection
  • Credit card debt
  • False statements or representation
  • Attempted to collect wrong amount
Phone Older American, Servicemember
11/19/2018 Yes
  • Debt collection
  • Credit card debt
  • Attempts to collect debt not owed
  • Debt is not yours
  • TX
  • 78258
 Web
10/29/2018 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Incorrect information on your report
  • Account information incorrect
  • NC
  • 27511
 Web
10/24/2018 Yes
  • Debt collection
  • Other debt
  • Written notification about debt
  • Didn't receive enough information to verify debt
  • CA
  • 90712
 Fax
10/14/2018 Yes
  • Debt collection
  • Credit card debt
  • Attempts to collect debt not owed
  • Debt is not yours
  • TX
  • 76082
 Web
09/12/2018 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Incorrect information on your report
  • Account status incorrect
  • MD
  • 20623
 Web
08/06/2018 Yes
  • Debt collection
  • Other debt
  • Written notification about debt
  • Didn't receive enough information to verify debt
Referral
07/27/2018 Yes
  • Debt collection
  • Credit card debt
  • Took or threatened to take negative or legal action
  • Threatened to sue you for very old debt
  • FL
  • 33909
 Web Older American
07/26/2018 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
  • FL
  • 32738
 Postal mail
06/17/2018 Yes
  • Debt collection
  • I do not know
  • Attempts to collect debt not owed
  • Debt is not yours
  • GA
  • 30228
 Web
05/22/2018 Yes
  • Debt collection
  • Credit card debt
  • Attempts to collect debt not owed
  • Debt is not yours
  • TN
  • 38571
 Web Servicemember
05/09/2018 Yes
  • Debt collection
  • Credit card debt
  • Attempts to collect debt not owed
  • Debt is not yours
  • PA
  • 19372
 Web Servicemember
04/30/2018 Yes
  • Debt collection
  • I do not know
  • Written notification about debt
  • Didn't receive enough information to verify debt
  • CA
  • 95901
 Phone
04/20/2018 Yes
  • Debt collection
  • Other debt
  • Communication tactics
  • You told them to stop contacting you, but they keep trying
  • GA
  • 31047
 Web
04/17/2018 Yes
  • Debt collection
  • I do not know
  • False statements or representation
  • Attempted to collect wrong amount
  • MO
  • 65615
 Referral
01/25/2018 Yes
  • Debt collection
  • Other debt
  • Written notification about debt
  • Didn't receive enough information to verify debt
  • CA
  • 92692
 Postal mail
01/12/2018 Yes
  • Debt collection
  • Other debt
  • Written notification about debt
  • Didn't receive notice of right to dispute
  • IL
  • 60429
 Web
01/02/2018 Yes
  • Debt collection
  • Credit card debt
  • Written notification about debt
  • Didn't receive notice of right to dispute
  • OH
  • 43055
 Phone
12/01/2017 Yes
  • Debt collection
  • Other debt
  • Written notification about debt
  • Didn't receive enough information to verify debt
  • OH
  • 45207
 Postal mail
11/30/2017 Yes
  • Debt collection
  • Auto debt
  • Attempts to collect debt not owed
  • Debt was paid
  • TX
  • 77077
 Postal mail
11/03/2017 Yes
  • Debt collection
  • Other debt
  • Written notification about debt
  • Didn't receive enough information to verify debt
  • FL
  • 32399
 Referral
10/30/2017 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
  • WA
  • 99203
 Web
10/16/2017 Yes
  • Debt collection
  • I do not know
  • Attempts to collect debt not owed
  • Debt is not yours
  • NC
  • 27613
 Web
10/13/2017 Yes
  • Debt collection
  • Other debt
  • Communication tactics
  • Frequent or repeated calls
  • FL
  • 34476
 Referral
10/04/2017 Yes
  • Debt collection
  • Credit card debt
  • Attempts to collect debt not owed
  • Debt is not yours
  • FL
  • 34476
 Postal mail
09/03/2017 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
  • TX
  • 76015
 Web
08/21/2017 Yes
  • Debt collection
  • Credit card debt
  • Written notification about debt
  • Didn't receive notice of right to dispute
Phone
08/15/2017 Yes
  • Debt collection
  • I do not know
  • Written notification about debt
  • Didn't receive enough information to verify debt
  • VA
  • 23455
 Postal mail
07/31/2017 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Incorrect information on your report
  • Information belongs to someone else
  • GA
  • 30248
 Postal mail
07/27/2017 Yes
  • Debt collection
  • Credit card debt
  • False statements or representation
  • Attempted to collect wrong amount
  • OH
  • 45154
 Referral
07/26/2017 Yes
  • Debt collection
  • I do not know
  • Attempts to collect debt not owed
  • Debt is not yours
  • VA
  • 23608
 Web
07/13/2017 Yes
  • Debt collection
  • Other debt
  • Attempts to collect debt not owed
  • Debt was paid
  • VA
  • 22554
 Phone
07/05/2017 No
  • Debt collection
  • Credit card debt
  • Attempts to collect debt not owed
  • Debt was paid
  • OH
  • 45154
 Referral
07/04/2017 No
  • Debt collection
  • Other debt
  • Attempts to collect debt not owed
  • Debt is not yours
  • OH
  • 45066
 Web
06/23/2017 No
  • Debt collection
  • Credit card debt
  • Attempts to collect debt not owed
  • Debt is not yours
  • GA
  • 30248
 Web
06/19/2017 No
  • Debt collection
  • Auto debt
  • Took or threatened to take negative or legal action
  • Threatened or suggested your credit would be damaged
  • TN
  • 37924
 Web Older American, Servicemember
06/16/2017 No
  • Debt collection
  • I do not know
  • Took or threatened to take negative or legal action
  • Collected or attempted to collect exempt funds
  • NY
  • 10472
 Postal mail
05/31/2017 No
  • Debt collection
  • Credit card debt
  • Attempts to collect debt not owed
  • Debt is not yours
  • VA
  • 23608
 Web
05/12/2017 No
  • Debt collection
  • Medical debt
  • Took or threatened to take negative or legal action
  • Sued you in a state where you do not live or did not sign for the debt
  • MD
  • 20747
 Web
05/03/2017 No
  • Debt collection
  • Other debt
  • Written notification about debt
  • Didn't receive enough information to verify debt
  • OH
  • 43725
 Postal mail
04/10/2017 Yes
  • Consumer Loan
  • Vehicle loan
  • Problems when you are unable to pay
  • NY
  • 12550
 Web
04/06/2017 Yes
  • Debt collection
  • Credit card
  • Disclosure verification of debt
  • Not given enough info to verify debt
  • MD
  • 20746
 Web
03/16/2017 Yes
  • Debt collection
  • Credit card
  • Cont'd attempts collect debt not owed
  • Debt resulted from identity theft
  • FL
  • 33414
 Postal mail Older American
03/09/2017 Yes
  • Credit reporting
  • Incorrect information on credit report
  • Account status
  • FL
  • 33496
 Referral
03/07/2017 Yes
  • Debt collection
  • Credit card
  • Taking/threatening an illegal action
  • Threatened to sue on too old debt
  • TX
  • 77096
 Phone Older American
03/03/2017 Yes
  • Debt collection
  • Credit card
  • Disclosure verification of debt
  • Not given enough info to verify debt
  • NY
  • 12446
 Web
03/01/2017 Yes
  • Debt collection
  • I do not know
  • Disclosure verification of debt
  • Not given enough info to verify debt
  • FL
  • 33496
 Postal mail
02/27/2017 Yes
  • Debt collection
  • Credit card
  • Cont'd attempts collect debt not owed
  • Debt is not mine
  • NY
  • 12590
 Fax Older American
01/24/2017 Yes
  • Debt collection
  • Credit card
  • Cont'd attempts collect debt not owed
  • Debt resulted from identity theft
  • NY
  • 13202
 Postal mail
01/10/2017 Yes
  • Credit card
  • Sale of account
  • CA
  • 91942
 Fax
12/08/2016 Yes
  • Debt collection
  • Other (i.e. phone, health club, etc.)
  • Cont'd attempts collect debt not owed
  • Debt was paid
  • TX
  • 77465
 Web Older American
12/05/2016 Yes
  • Consumer Loan
  • Installment loan
  • Managing the loan or lease
  • GA
  • 30101
 Web
11/26/2016 Yes
  • Debt collection
  • Medical
  • Cont'd attempts collect debt not owed
  • Debt was paid
  • CO
  • 80020
 Web
11/10/2016 Yes
  • Debt collection
  • Other (i.e. phone, health club, etc.)
  • Disclosure verification of debt
  • Not given enough info to verify debt
  • NY
  • 11580
 Postal mail
10/29/2016 Yes
  • Debt collection
  • I do not know
  • Disclosure verification of debt
  • Not given enough info to verify debt
  • NY
  • 10012
 Web
10/20/2016 Yes
  • Debt collection
  • I do not know
  • Cont'd attempts collect debt not owed
  • Debt is not mine
  • NV
  • 89032
 Web
10/04/2016 Yes
  • Debt collection
  • I do not know
  • Disclosure verification of debt
  • Not given enough info to verify debt
  • FL
  • 33062
 Web
09/24/2016 Yes
  • Debt collection
  • Credit card
  • Improper contact or sharing of info
  • Contacted me after I asked not to
  • WI
  • 54935
 Postal mail
09/07/2016 Yes
  • Debt collection
  • I do not know
  • Cont'd attempts collect debt not owed
  • Debt is not mine
  • MI
  • 48084
 Web
09/06/2016 Yes
  • Debt collection
  • Credit card
  • False statements or representation
  • Attempted to collect wrong amount
  • TX
  • 78727
 Web Servicemember
09/06/2016 Yes
  • Debt collection
  • Other (i.e. phone, health club, etc.)
  • Cont'd attempts collect debt not owed
  • Debt was paid
  • CA
  • 92110
 Fax
05/18/2016 Yes
  • Debt collection
  • Credit card
  • Cont'd attempts collect debt not owed
  • Debt is not mine
  • NV
  • 89423
 Web
04/27/2016 Yes
  • Debt collection
  • Credit card
  • Disclosure verification of debt
  • Right to dispute notice not received
  • GA
  • 30012
 Web
03/31/2016 Yes
  • Debt collection
  • Credit card
  • Communication tactics
  • Threatened to take legal action
  • FL
  • 32501
 Referral
03/17/2016 Yes
  • Debt collection
  • Other (i.e. phone, health club, etc.)
  • Disclosure verification of debt
  • Not given enough info to verify debt
  • WA
  • 98407
 Referral
02/27/2016 Yes
  • Debt collection
  • Auto
  • Disclosure verification of debt
  • Right to dispute notice not received
  • FL
  • 32405
 Web Servicemember
02/26/2016 Yes
  • Debt collection
  • I do not know
  • Cont'd attempts collect debt not owed
  • Debt is not mine
  • LA
  • 70115
 Web
12/22/2015 Yes
  • Debt collection
  • Other (i.e. phone, health club, etc.)
  • Disclosure verification of debt
  • Not given enough info to verify debt
  • NY
  • 11422
 Referral
11/10/2015 Yes
  • Debt collection
  • Credit card
  • Disclosure verification of debt
  • Not given enough info to verify debt
  • MA
  • 01843
 Web
10/20/2015 Yes
  • Debt collection
  • Credit card
  • Disclosure verification of debt
  • Right to dispute notice not received
  • DC
  • 20013
 Web
10/14/2015 Yes
  • Debt collection
  • Other (i.e. phone, health club, etc.)
  • Cont'd attempts collect debt not owed
  • Debt is not mine
  • NY
  • 11208
 Phone
09/23/2015 Yes
  • Debt collection
  • Credit card
  • False statements or representation
  • Attempted to collect wrong amount
  • DE
  • 19720
 Web
09/17/2015 Yes
  • Credit card
  • Billing disputes
  • FL
  • 34746
 Web
09/07/2015 Yes
  • Debt collection
  • Credit card
  • Cont'd attempts collect debt not owed
  • Debt was discharged in bankruptcy
  • TN
  • 38501
 Web
07/29/2015 Yes
  • Debt collection
  • Credit card
  • Disclosure verification of debt
  • Not given enough info to verify debt
  • FL
  • 34746
 Web
07/24/2015 Yes
  • Debt collection
  • Credit card
  • Disclosure verification of debt
  • Not given enough info to verify debt
  • NE
  • 68029
 Referral
07/10/2015 Yes
  • Debt collection
  • Credit card
  • Cont'd attempts collect debt not owed
  • Debt is not mine
  • TX
  • 75225
 Web
07/07/2015 Yes
  • Debt collection
  • Credit card
  • Cont'd attempts collect debt not owed
  • Debt is not mine
  • TX
  • 75225
 Web
06/18/2015 Yes
  • Debt collection
  • Credit card
  • Cont'd attempts collect debt not owed
  • Debt is not mine
  • TX
  • 76031
 Referral
06/16/2015 Yes
  • Debt collection
  • Credit card
  • Communication tactics
  • Frequent or repeated calls
  • WA
  • 98312
 Postal mail
05/08/2015 Yes
  • Debt collection
  • Other (i.e. phone, health club, etc.)
  • Cont'd attempts collect debt not owed
  • Debt is not mine
  • SC
  • 29418
 Web Servicemember
04/30/2015 Yes
  • Debt collection
  • Credit card
  • Cont'd attempts collect debt not owed
  • Debt is not mine
  • FL
  • 34997
 Postal mail Older American, Servicemember
04/10/2015 Yes
  • Debt collection
  • Credit card
  • Cont'd attempts collect debt not owed
  • Debt is not mine
  • PA
  • 15005
 Phone
03/23/2015 Yes
  • Debt collection
  • Non-federal student loan
  • Disclosure verification of debt
  • Not given enough info to verify debt
  • FL
  • 33172
 Web
03/18/2015 Yes
  • Debt collection
  • I do not know
  • Communication tactics
  • Frequent or repeated calls
  • WA
  • 98387
 Web
03/04/2015 Yes
  • Debt collection
  • Other (i.e. phone, health club, etc.)
  • Cont'd attempts collect debt not owed
  • Debt was paid
  • TX
  • 77534
 Web
02/25/2015 Yes
  • Debt collection
  • Credit card
  • Communication tactics
  • Threatened to take legal action
  • NJ
  • 08010
 Web
02/18/2015 Yes
  • Debt collection
  • I do not know
  • Disclosure verification of debt
  • Not given enough info to verify debt
  • KS
  • 67213
 Phone
02/12/2015 Yes
  • Debt collection
  • Credit card
  • Disclosure verification of debt
  • Not given enough info to verify debt
  • RI
  • 02909
 Phone
01/22/2015 Yes
  • Debt collection
  • I do not know
  • Disclosure verification of debt
  • Not given enough info to verify debt
  • CA
  • 92346
 Web
01/05/2015 No
  • Debt collection
  • Credit card
  • Cont'd attempts collect debt not owed
  • Debt was discharged in bankruptcy
  • NH
  • 03070
 Web
12/31/2014 Yes
  • Debt collection
  • Credit card
  • Cont'd attempts collect debt not owed
  • Debt was discharged in bankruptcy
  • NH
  • 03070
 Web
11/10/2014 Yes
  • Debt collection
  • Credit card
  • Improper contact or sharing of info
  • Talked to a third party about my debt
  • CA
  • 90745
 Web
10/06/2014 Yes
  • Debt collection
  • Payday loan
  • Disclosure verification of debt
  • Not given enough info to verify debt
  • OK
  • 73008
 Web Servicemember
09/17/2014 Yes
  • Debt collection
  • I do not know
  • Cont'd attempts collect debt not owed
  • Debt is not mine
  • CA
  • 95035
 Web
09/15/2014 Yes
  • Debt collection
  • Credit card
  • Cont'd attempts collect debt not owed
  • Debt resulted from identity theft
  • CA
  • 90044
 Phone Older American
09/10/2014 Yes
  • Debt collection
  • I do not know
  • Cont'd attempts collect debt not owed
  • Debt was paid
  • TX
  • 75851
 Postal mail Older American
09/03/2014 Yes
  • Debt collection
  • Credit card
  • Cont'd attempts collect debt not owed
  • Debt is not mine
  • NY
  • 14626
 Web
09/02/2014 Yes
  • Debt collection
  • Credit card
  • Disclosure verification of debt
  • Not given enough info to verify debt
  • OR
  • 97002
 Web
08/29/2014 Yes
  • Credit card
  • Identity theft / Fraud / Embezzlement
  • MI
  • 49730
 Web
08/19/2014 Yes
  • Debt collection
  • Credit card
  • Cont'd attempts collect debt not owed
  • Debt is not mine
  • TX
  • 79903
 Web
08/05/2014 Yes
  • Debt collection
  • Credit card
  • Cont'd attempts collect debt not owed
  • Debt was paid
  • OH
  • 45050
 Web
07/18/2014 Yes
  • Debt collection
  • Credit card
  • Disclosure verification of debt
  • Not given enough info to verify debt
  • VA
  • 24014
 Web Older American
07/14/2014 Yes
  • Debt collection
  • I do not know
  • Disclosure verification of debt
  • Not given enough info to verify debt
  • LA
  • 70461
 Web
06/26/2014 Yes
  • Debt collection
  • Other (i.e. phone, health club, etc.)
  • Cont'd attempts collect debt not owed
  • Debt is not mine
  • MD
  • 20906
 Web
06/18/2014 Yes
  • Debt collection
  • I do not know
  • Cont'd attempts collect debt not owed
  • Debt is not mine
  • GA
  • 30546
 Web
06/13/2014 Yes
  • Debt collection
  • Other (i.e. phone, health club, etc.)
  • Disclosure verification of debt
  • Not given enough info to verify debt
  • CO
  • 80614
 Referral
06/05/2014 No
  • Debt collection
  • Payday loan
  • Cont'd attempts collect debt not owed
  • Debt is not mine
  • OR
  • 97224
 Web
05/14/2014 No
  • Debt collection
  • Credit card
  • Communication tactics
  • Threatened to take legal action
  • PA
  • 15062
 Web
05/13/2014 Yes
  • Debt collection
  • Credit card
  • Cont'd attempts collect debt not owed
  • Debt is not mine
  • LA
  • 70123
 Web
05/09/2014 Yes
  • Debt collection
  • Credit card
  • Improper contact or sharing of info
  • Contacted me after I asked not to
  • IL
  • 62959
 Web
05/02/2014 Yes
  • Debt collection
  • I do not know
  • Disclosure verification of debt
  • Right to dispute notice not received
  • IL
  • 62959
 Web
04/25/2014 Yes
  • Debt collection
  • Payday loan
  • Cont'd attempts collect debt not owed
  • Debt was paid
  • CA
  • 95330
 Web
04/24/2014 Yes
  • Debt collection
  • Credit card
  • Improper contact or sharing of info
  • Talked to a third party about my debt
  • GA
  • 30269
 Web Older American
04/23/2014 No
  • Debt collection
  • Other (i.e. phone, health club, etc.)
  • Disclosure verification of debt
  • Not given enough info to verify debt
  • FL
  • 33068
 Referral
04/22/2014 Yes
  • Debt collection
  • I do not know
  • Cont'd attempts collect debt not owed
  • Debt is not mine
  • UT
  • 84005
 Web Servicemember
04/17/2014 No
  • Debt collection
  • Payday loan
  • Disclosure verification of debt
  • Not given enough info to verify debt
  • TX
  • 78109
 Web
04/15/2014 No
  • Debt collection
  • Other (i.e. phone, health club, etc.)
  • Cont'd attempts collect debt not owed
  • Debt is not mine
  • IL
  • 60426
 Phone
04/15/2014 No
  • Debt collection
  • Credit card
  • Cont'd attempts collect debt not owed
  • Debt is not mine
  • LA
  • 70127
 Web
04/15/2014 Yes
  • Debt collection
  • Other (i.e. phone, health club, etc.)
  • False statements or representation
  • Attempted to collect wrong amount
  • CA
  • 92501
 Web Servicemember
03/27/2014 Yes
  • Debt collection
  • Payday loan
  • Cont'd attempts collect debt not owed
  • Debt was paid
  • OK
  • 74733
 Phone
03/17/2014 Yes
  • Debt collection
  • Credit card
  • Disclosure verification of debt
  • Right to dispute notice not received
  • TX
  • 76039
 Web
03/12/2014 Yes
  • Debt collection
  • Payday loan
  • Cont'd attempts collect debt not owed
  • Debt is not mine
  • FL
  • 32025
 Phone
03/11/2014 Yes
  • Debt collection
  • I do not know
  • Cont'd attempts collect debt not owed
  • Debt is not mine
  • IL
  • 60619
 Web
02/28/2014 Yes
  • Debt collection
  • Credit card
  • Disclosure verification of debt
  • Not given enough info to verify debt
  • CO
  • 80226
 Referral
01/14/2014 Yes
  • Debt collection
  • Payday loan
  • Cont'd attempts collect debt not owed
  • Debt is not mine
  • SC
  • 29073
 Phone
12/18/2013 Yes
  • Debt collection
  • Other (i.e. phone, health club, etc.)
  • Communication tactics
  • Frequent or repeated calls
  • MI
  • 38804
 Phone
10/24/2013 Yes
  • Debt collection
  • Credit card
  • Cont'd attempts collect debt not owed
  • Debt is not mine
  • IL
  • 61201
 Web
10/23/2013 Yes
  • Debt collection
  • Other (i.e. phone, health club, etc.)
  • Cont'd attempts collect debt not owed
  • Debt is not mine
  • CA
  • 94565
 Web
09/26/2013 No
  • Debt collection
  • Other (i.e. phone, health club, etc.)
  • Cont'd attempts collect debt not owed
  • Debt was paid
  • WI
  • 53511
 Web Servicemember
09/17/2013 Yes
  • Debt collection
  • Credit card
  • Cont'd attempts collect debt not owed
  • Debt is not mine
  • NY
  • 11050
 Phone