| 09/05/2022 |
Yes |
- Debt collection
- Other debt
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- Threatened to contact someone or share information improperly
- Talked to a third-party about your debt
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Web |
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To Whom it May Concern, My name is XXXX XXXX and Security Credit Systems is handling a matter for XXXX XXXX XXXX that wrongfully involves me. I was granted a XXXX XXXX from the administration at XXXX XXXX. I was actually talked into it by a counselor at the XXXX when Myself, My Mother, and a family friend went to the XXXX I DID NOT XXXX for the semester in question. I wanted to try to make up the time I missed but was told I would not be able to. I was informed by a counselor that I would be granted a XXXX XXXX for the semester and would not be charged for the tuition fee. This was not a loan, just the tuition fee.
Fast forward, and over a year later, I was contacted by Security Credit Systems. While trying to figure out what happened I have been contacted via phone calls from this company several times. On or about XX/XX/XXXX I notified Security Credit Systems that I was in dispute of this charge with XXXX XXXX XXXX.
In XXXX of XXXX I did give Security Credit Systems permission to speak to my Mother about possibly discussing a settlement in order to eliminate this nuisance from my credit report. My Mother offered a 50 % settlement. Security Credit Systems said this offer was denied. We refused the much larger counter offer because I still felt this is a wrongful charge.
On XX/XX/XXXX of XXXX a Representative of Security Credit Systems, a XXXX XXXX, called my Mothers Cell Phone and asked to speak with XXXX XXXX. He seemed flustered and asked Is this her Mom? Without any further verification of who he was speaking to he disclosed my debt and gave out my personal identification. He then stated that he noticed in the file that a settlement was offered in the past and rejected. The person that he was speaking to said that no other offer would be made by myself and I would be disputing this charge with the three credit reporting agencies. This is when XXXX XXXX attitude and tone changed from professional to belittling. When the dispute was mentioned XXXX XXXX cut off the person on the phone and replied in a condescending manner with something to the effect of, Yeah, look at where that has gotten ya. He then abruptly said, Ill remove your number and hung up.
Almost immediately after, my Mother called Security Credit Systems and asked to speak with a manager on duty. After several clicks of the phone which my Mother understood to be several transfers. Giving her the idea that the company knew they did something wrong and no one wanted to take the call. Finally, someone picked up. My Mother asked to speak to a manager or a director. The person on the phone identified themselves as XXXX XXXX. XXXX XXXX said that there were no managers or directors there and he just took the call because he Helps out when the managers are not there. My Mother then informed him that there was third party disclosure on a phone call that we received a few minutes prior and wanted to speak with a manager. XXXX XXXX was able to look up all of my information using my Mothers phone number off of the caller ID which XXXX XXXX said he would be eliminated from the system. He obviously had not. Then XXXX XXXX who notified himself as an adjuster said that his manager, a XXXX XXXX, would contact us once he gets in. We never received a call that day.
On XX/XX/XXXX my Mother called and asked to speak to the compliance department at Security Credit Systems. The woman who answered said One Moment and to my Mothers surprise the call was once again transferred many times until finally, AGAIN to her surprise, was picked up by XXXX XXXX voicemail. She did not leave a message as the issue, now at hand, was a matter involving the illegal practice of the debt collector, XXXX XXXX.
After hanging up, My Mother called back immediately and asked to speak to XXXX XXXX. Again after what sounded like many transfers a man finally picked up. The man on the other line, who curiously sounded like XXXX XXXX from her XX/XX/XXXX phone call, identified himself as XXXX XXXX. This does come across as a very odd occurrence? Are people in this office falsely representing who they are or using aliases? Im not accusing them of that but it was strange.
My Mother proceeded to inform XXXX XXXX of the matter at hand, an issue of Third Party Disclosure. XXXX XXXX informed my Mother that he was aware of the situation. My Mother then asked if he listened to the call. During the entire time on the call XXXX XXXX repeatedly avoided the issue of Third Party Disclosure by jumping around to the point of the original issue of my disputing the charge and the settlement offer. When he was asked again about the issue of Third Party Disclosure and the call to XXXX XXXX he brought up very specific parts of the conversation between my Mother and XXXX XXXX, almost verbatim. He also said he was well aware of the call in question. Although, according to him NOW, six days later he had never listened to it? He then said I spoke to XXXX about this, Didnt I already speak to you about this?. NO XXXX XXXX. XXXX XXXX did. My Mother informed him that it was now a twofold situation. The original dispute of the charge from XXXX XXXX and the issue of Third Party Disclosure. XXXX XXXX, oops Im Sorry, I mean XXXX XXXX said he would listen to the call and get back to her that day. Weve never heard from XXXX XXXX, XXXX XXXX, or Security Credit Systems since.
Since that last call on XX/XX/XXXX both my Mother and I have called several times to Security Credit Systems and are always sent to voicemail. Which I feel is a very odd practice of a collection agency. Wouldnt a collection agency think that maybe Im calling to offer to make a payment or, are they aware of their negligence regarding Third Party Disclosure and correlating it to mine and my Mothers phone numbers that XXXX XXXX XXXX said he was deleting from the system on XX/XX/XXXX?
I would please ask for yourself and your office to look into this matter and the practices of Security Credit Systems.
Thank You, XXXX XXXX XXXX XXXX
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| 11/12/2015 |
Yes |
- Debt collection
- Other (i.e. phone, health club, etc.)
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- Disclosure verification of debt
- Right to dispute notice not received
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Web |
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In XX/XX/XXXX, I contacted XXXX University regarding taking online graduate engineering courses. I was accepted into the graduate engineering program and submitted the online application for the XXXX program. The application contained various information including my cell number, personal email and home address, employer information, etc. After being accepted into the program I spoke with someone from the XXXX department on the phone and selected XXXX online courses for the spring semester that would start in XX/XX/XXXX. I was now enrolled in the XXXX courses via that phone conversation. She informed me that the courses would require full payment one week prior to the start of classes in XXXX. She did not mention any other fees or specific cancellation process.
I intended to pay for these courses through my employer tuition reimbursement program. In XX/XX/XXXX, my employment situation was changing and I began to seek out of state employment. As I did during the class enrollment process, I called XXXX to inform them that I was leaving my employer and would not be taking the XXXX courses. I believed that my registration to take the XXXX courses was cancelled as it was the exact same process I used to register.
1. In XX/XX/XXXX, I called XXXX notifying them that I was moving to a new employer and would not be attending the XXXX classes.
2. I did not pay for the XXXX courses in the required time ( one week prior to the start of classes ) 3. Never registered with the course ( s ) online portal as required by the instructors4. Never had any correspondence with the instructors or attended any classes5. Never purchases textbooksXXXX XXXX website only addresses tuition reimbursement when you drop a class after the first day of classes with a weekly tuition reversal schedule for the refund. There is no mention of fees related to online classes or any specific process to cancel online classes. When I registered for the classes via the phone there was no discussion on how to cancel. My assumption was that I did everything reasonable to cancel the classes.
On XX/XX/XXXX, I received a phone call from a collection agency. The collection agency isSecurity Credit Systems - XXXX XXXX XXXX XXXX XXXX XXXX NY XXXXWhen I returned the call I was shocked to hear that I now owed the collection agency over {$1800.00}. This was the first correspondence that I received related to these courses. I was never contacted by the school via phone calls, emails, etc. I did move in XX/XX/XXXX but my email and phone number was documented in my application. At no time did anyone from XXXX contact me. On XXXX XXXX and XXXX, I called XXXX XXXX times and was told that they could not speak with me. I emailed them requesting the details for these charges and again was told that they could not provide any information. I was instructed to deal with the collection agency. When I asked for the details and the reason for this charge the collection agency sent me a bill for {$1800.00}. They would not provide any details regarding these charges. The collection agency stated that if I did not pay the balance due by XX/XX/XXXX this charge would be reported to the credit bureaus, negatively affect my credit score.
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| 05/26/2020 |
Yes |
- Debt collection
- Auto debt
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- Attempts to collect debt not owed
- Debt is not yours
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Web |
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In XXXX I bought a vehicle from XXXX of XXXX, it was a XXXX XXXX XXXX, the dealership signed me up for automatic payments through a company called XXXX XXXX, before any payments were ever made through that company I read up on them, saw nothing but bad customer service and support reviews ad well as lots of people claiming fraud and such, so I called them had eye witnesses in the vehicle when I called stating I was canceling the account with them and paying my finance company directly, they gave me attitude but still agreed to close it, since my very first payment was due I always paid my finance company directly, then this month XX/XX/XXXX I get a collection on my credit report from security credit systems on my report stating it was opened on XX/XX/XXXX which makes no sense when especially never received any form of notice from anyone about this which is a violation of the fair credit reporting act and fair debt collecting practices, the collection states its for {$590.00} well for starters my monthly payment for my vehicle through my finance company was only {$580.00} a month not {$590.00}, upon me calling the collection company known as security credit systems about violating the law and the fair debt collecting practices and the fair credit reporting act they continued hung up on me, I kept calling back getting angrier and angrier as they continued to hang up me, finally the XXXX who answered the phone and kept hanging up on me said she would get someone else to talk to me, she put the phone down on her desk and I could hear her talking to other people in the office, I could hear all of them XXXX and complaining how they didnt wan na talk to me so she came back over didnt say a word and hung up the phone again, they refused any commit about no 30 day notice, no validating of the debt as well as all refusing to talk to me about it and just hanging up on me, the account in question is fraudulent cause it was closed before ever used, also upon this being done found evidence of attempted theft by autopay plus trying to take 2 different charges of two different amounts from my bank account, 1. For {$600.00} on XX/XX/XXXX then another 2nd. Attempted charge of {$630.00} on XX/XX/XXXX, both were attempted fraudulent charges of theft seeing as neither of those 2 charges were my monthly also the collection wasnt even my monthly car payment, also account was closed before they attempted these charges that they sent to a collection company called security credit systems who are violating the fair credit reporting act and fair debt collecting practices by refusing to comment, talk to me, validate the debt, or even send me any form of notice, and the fact that the original creditor tried charging multiple fraudulent attempted charges of theft when account with them was closed and was paying my finance company directly and at a different price than any of these charges or anything were.
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| 08/27/2020 |
Yes |
- Debt collection
- Credit card debt
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- Attempts to collect debt not owed
- Debt is not yours
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Web |
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Hello, This is ridiculous and inhumane! I was shocked when I reviewed my credit report this week and I found multiple inaccuracies on my credit report from the 3 major credit bureaus from a collection company that I never have dealt with before. I've attempted several times to ratify the issue with the original creditors and credit bureaus and they still reporting inaccurate, unverifiable information. I have disputed this item with the credit reporting agency and they reported you confirmed the account as valid. I honestly do not believe to ever have any relationship with this collection agency or original creditor. Also there are several inaccuracies with this account the way it's reporting and that's a total violation of FCRA and FDCPA laws and regulations. In a good faith effort to resolve the matter amicably, I must demand proof of this debt, specifically the alleged contract or other instrument bearing my signature, as well as proof of your authority in this matter. Absent such proof, you must correct any erroneous reports of this past debt as mine. I am writing to request that you please provide the following information : 1. Please evidence your authorization under 15 USC 1692 ( e ) and 15 USC 1692 ( f ) in this alleged matter. 2. What is your authorization of law for your collection of information? 3. What is your authorization of law for your collection of this alleged debt? 4. Please evidence your authorization to do business or operate in this state. 5. Please evidence proof of the alleged debt, including the alleged contract or other instrument bearing my signature. 6. Please provide a complete account history, including any charges added for collection activity.
You have 30 days upon receipt of this letter to provide strict proof of contract. In the event you can not provide strict proof of contract, you must cease and desist any and all collection efforts and immediately remove any derogatory information reported to the consumer reporting agencies. In addition, you will need to provide me your agreement, in writing, that you are closing your file, ceasing collecting activity, and deleting all information related to this reference number from any and all credit reports youve furnished the information to. In the event you transfer this account to an attorney without providing proof of contract, and proving your claim, he/she will be immediate reported to the XXXX XXXX XXXX and XXXX XXXX XXXX for code of ethics violations.
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| 06/29/2018 |
Yes |
- Debt collection
- Federal student loan debt
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- False statements or representation
- Attempted to collect wrong amount
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Web |
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On XX/XX/XXXX, I called Security Credit Systems of XXXX, NY in order to gain information regarding an allegedly defaulted student loan account in my name.
I was put in touch with a XXXX. XXXX, who insisted that I owed a total of {$1100.00}. This was in stark contrast with the amount listed on my Federal Student Aid account, which listed a due principal of {$820.00} with {$0.00} interest due.
When I presented this information to XXXX. XXXX, he became agitated and hostile, insisting that I owed an additional {$350.00} in interest charges.
I pointed out to XXXX. XXXX that I could not possibly owe Security Credit Systems that much, as this loan was serviced by another credit agency before XX/XX/XXXX, before being transferred to Security Credit Systems after that date by my original loan provider, XXXX XXXX, as disclosed to me with XXXX XXXX business office in a conversation which took place on XX/XX/XXXX. Security Credit Systems has serviced this loan for less than two weeks, and yet they are claiming I owe roughly 45 % of my principal balance in interest charges, to quote XXXX. XXXX.
XXXX. XXXX then vacillated between claims that these interest charges were imposed by Security Credit Systems and, alternatively, the federal government. When I stated that these interest charges couldnt possibly be imposed by the federal government, as the Federal Student Aid website currently lists due interest charges for this loan at {$0.00}, XXXX. XXXX again grew angry and demanded that I pay the requested amount immediately.
It is clear to me, based on the very short length of time Security Credit Systems has serviced this debt and the significant discrepancy between XXXX . XX/XX/XXXX claims and the official amount listed as due on the Federal Student Aid website, that this is an attempt to charge an exorbitant and potentially usurious amount of money that I do not owe. These actions are in clear violation and, at the time, render me unable to pay my proper debts.
Security Credit Systems is making wildly fraudulent demands, and should be appropriately reprimanded for their unethical, predatory, and potentially illegal behavior.
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| 12/02/2015 |
Yes |
- Student loan
- Non-federal student loan
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- Dealing with my lender or servicer
- Trouble with how payments are handled
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Web |
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Account Reference : XXXX I was promised that letter in exchanged for paying the total balance of {$1700.00} that XXXX XXXX had told me was due. I had several conversations with XXXX XXXX last week, Thursday XX/XX/XXXX and Friday XX/XX/XXXX, during which he assured me that once I pay the full balance due he would provide me with a paid in full letter by Tuesday XXXX of XXXX 2015. On Friday XXXX I went to my bank and got a cashier 's check for {$1700.00}. I then when to the XXXX XXXX XXXX XXXX that was next door to my bank and deposited the check to the account that was provided to me by XXXX XXXX. XXXX XXXX asked me to fax a letter authorizing him to fax me the letter of paid in full and I faxed that letter on Monday XX/XX/XXXX. I had made the mistake of telling XXXX XXXX that I was in the process of buying a house and needed the paid in full letter. I explained to XXXX XXXX that my loan Officer and Real Estate Agent were waiting for the letter and my deadline to submit that letter was Tuesday XX/XX/XXXX. XXXX XXXX did not fax me the letter on Tuesday ; instead, he called me on Tuesday trying to extort additional money from me after I have paid the full balance of {$1700.00} that he told me was due. XXXX XXXX called and demanded that I pay an additional {$2100.00} or else he would not provide me the letter of paid in full that I need in order to buy the house. The actions of XXXX XXXX and Security Credit System have caused great financial damages to me and my family to the sum of over {$95000.00}. The way I was singled out by Security Credit System for extortion after I mentioned I was buying a house is a clear violation of the federal Fair Debt Collection Practices Act ( FDCPA ). " The collector can not misrepresent the amount you owe. [ 15 USC 1692e ] 807 ( 2 ) ( a ). The collector ca n't add on any extra fees that your original credit or loan agreement does n't allow. [ 15 USC 1692f ] 808 ( 1 ) Sc-motion-3. when representatives from Security Credit System called did not identify themselves as a collection agencies they identified themselves as calling from XXXX.
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| 05/30/2018 |
Yes |
- Debt collection
- Private student loan debt
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- Threatened to contact someone or share information improperly
- Talked to a third-party about your debt
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Web |
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An operator in this office by the name of XXXX XXXX ( ext XXXX ) contacted a family member of mine on Thursday, XX/XX/XXXX and proceeded to provide said family member with detailed information regarding my account. Said family member was only asked to verify my date of birth ( call is recorded ) and the employee proceeded to disclose private information such as the amount of debt owed, my personal information, dates and payment arraignment options. I am not a minor and have no additional cosigners on this account. The family member in question was my mother, her English is limited and she suffers from mental illness. This operator took complete advantage of her limitations on this call.
On XX/XX/XXXX I contacted XXXX XXXX at extension XXXX in the office and provided him with my name, social security number, date of birth and mailing address. I then proceeded to ask why the above verifying factors were not implemented when he had spoken to my family member the previous day and he placed me on hold for 20 minutes. I waited for him to return to the phone and expressed my concern for how this office is handling my private information. His tone became aggressive and that is when I asked to speak to his direct supervisor. He refused to transfer me to a supervisor. I called back and was routed to a supervisor by the receptionist.
The above mentioned supervisor insisted he return my call and I have yet to hear back from him. On XX/XX/XXXX I attempted to contact the office supervisor and left numerous messages for him to return my call. Once I realized I was being avoided I contacted XXXX XXXX, the offices legal counsel and was told she would get back to me this week.
My mother suffered a nervous breakdown following this call due to her mental issues. This caused me grief and much embarrassment. I am XXXX years old and am protected under federal law for my private information not be disclosed to anyone other than I or an attorney representing me. I would like this office reported so this doesn't happen to anyone ever again.
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| 07/31/2023 |
Yes |
- Debt collection
- Private student loan debt
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- False statements or representation
- Attempted to collect wrong amount
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Web |
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XX/XX/XXXX : Amount of {$1800.00} is sent from XXXX University to the Security Credit Systems , Inc .
-Any letters sent to me in order to inform me of the debt were not received.
XX/XX/XXXX : I dispute the amount of {$2400.00} with Security Credit Systems , IncXXXX on XXXX XXXX XXXX with XXXX, stating that the amount is incorrect and that the amount owed to Security Credit Systems , Inc. should actually be {$1800.00} and citing Section 808 ( 1 ) of the FDCPA.
-Section 808 ( 1 ) of the Fair Debt Collection Practices Act prohibits debt collectors from collecting any amount including any interest, fee, charge, or expense incidental to the principal obligation unless that amount is expressly authorized by the agreement creating the debt or permitted by law.
XX/XX/XXXX : The dispute on XXXX XXXX XXXX is completed and ruled in the favor of the item Security Credit Systems. Reason cited is " I have no knowledge of this collection account. '' -Intuit XXXX XXXX results state that this disputed information was verified as accurate, and XXXX does not change my information.
*XXXX XXXX, XXXX : A letter verifying my account and debt in question with Security Credit Systems is sent to my current address. The lines read, in a bordered box in printed ink : Statement Total : {$1800.00} Pending Total : {$0.00} Overall Total : {$1800.00} Below this box is a handwritten note stating : Collection fee XXXX Total {$2400.00} -This " Collection fee '' of {$560.00} is the reason for said dispute. Any amount above the initial debt of {$1800.00} is a violation of said ruling in Section 808 ( 1 ) of the FDCPA.
*The letter in question is in 4 separate attached files of pictures where the letter is legible. The letter is dated XX/XX/XXXX as a lookup date for my collection info, but it is dated XX/XX/XXXX as the date sent at the top of the letter below the Header. The two middle pages of the letter may be out of order, so they are labeled as " Letter Page 2 or 3 '' and " Letter Page 3 or 2. ''
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| 01/02/2022 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
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- Improper use of your report
- Reporting company used your report improperly
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Web |
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I was contacted by Security credit System attempting to collect a debt I never contracted or agreed to pay.The Reported Negative and Defaming information starting XX/XX/2019 on my credit report. I've sent in an debt validation letter and have not received a response with the requested information of original contract between XXXX and I. They never supplied sufficient information to me in order to to validate the debt. I do not agree with their actions. I have challenged the accuracy and integrity of the information. 12 CFR 1022.41 ( a ) ( 1 ) ( 2 ) ( 3 ) states that a furnisher provides to a consumer reporting agency about an account or other relationship with the consumer correctly : Reflects the terms of and liability for the account or other relationship ; Reflects the consumer 's performance and other conduct with respect to the account or other relationship ; and Identifies the appropriate consumer. 12 CFR ( d ) ( 1 ) ( 2 ) ( XXXX ) Integrity means that information that a furnisher provides to a consumer reporting agency about an account or other relationship with the consumer : Is substantiated by the furnisher 's records at the time it is furnished ; Is furnished in a form and manner that is designed to minimize the likelihood that the information may be incorrectly reflected in a consumer report ; and Includes the information in the furnisher 's possession about the account or other relationship that the Bureau has : Determined that the absence of which would likely be materially misleading in evaluating a consumer 's creditworthiness, credit standing, credit capacity, character, general reputation, personal characteristics, or mode of living ; and Listed in section I ( b ) ( 2 ) ( iii ) of appendix E of this part.
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| 11/11/2020 |
Yes |
- Debt collection
- Private student loan debt
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- Attempts to collect debt not owed
- Debt is not yours
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Web |
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In the spring of XXXX I had a scholarship called XXXX XXXX XXXX. This scholarship paid for my college tuition and classes. However, I was granted a medical withdrawl from the semester by the administration due to an injury and multiple deaths in my family. Several months later, I was notified by the college ( XXXX XXXX University, IN ) that they had turned my account over to a collection agency. I was unaware that I even owed anything to the college. After talking with the college, they said the scholarship wouldn't pay for the classes that semester since I had withdrew. They said because I didn't withdrawl before the refund deadline I still owed the money for those classes. This is incorrect. Medical withdrawls are exempt from this deadline, or at least that is what I was told by the administration before my withdrawl was approved. I didn't just drop classes, I had to go to specific administration personel and show medical documents to get approved for this medical withdrawl. I attempted to explain this to the bursars office at the college, and again to the collection agency but nothing changed and I am still being told I owe a " loan amount '' of {$2200.00} even though I never took out a loan in the first place. The collection agency is Security Credit System, and they keep telling me I owe this debt even though I have explained the situation multiple times. This is an issue because they are reporting this to credit bureaus. The collection agency did this once before a couple years ago and I contacted creditrepair.com and they were able to take it off my credit report. Security Credit System just reported this collections account to a credit bureau again after it was already taken off once. This was done on XX/XX/XXXX.
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| 05/20/2021 |
Yes |
- Debt collection
- Auto debt
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- Attempts to collect debt not owed
- Debt was paid
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Web |
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I had purchased a XXXX XXXX XXXX from IRA XXXX XXXX in XXXX. AT the time of purchase I enrolled with XXXX XXXX for a program that, through bi-monthly payments would pay of my debt quicker. The loan company was XXXX bank.
Two weeks ago i received a notice of an outstanding debt owed to XXXX plus dating back to XX/XX/XXXX. I was set up with Autopay for automatic withdrawal bi-monthly. My transaction history shows the following : My first payment was withdrawn by autopay for the month of XX/XX/XXXX was XX/XX/XXXX.
My second payment was withdrawn by autopay for the month of XX/XX/XXXX was XX/XX/XXXX.
On XX/XX/XXXX the debit was reversed.
On XX/XX/XXXX funds were disperesed to my account for a home refinance, and payoff of `the XXXX XXXX XXXX A few weeks after I received the title for the vehicle. The check for payoff to XXXX was written out and sent to by the closing attorney. As far as I knew, once I was given the title all outstanding debts were paid off.
I never received any notification from XXXX of a missed payment until XX/XX/XXXX.
I spoke to the loaner XXXX bank, no issue. After much digging on my part I had a three way call with my Bank XXXX XXXX and Autopay. During this call it was shown and stated by TD bank that neither myself or XXXX XXXX had stopped payment. They proved this by pointing out the transaction history would look different. The only conclusion is that XXXX reversed the payment whether purposely or accidently or that there was a glitch somewhere. Had I been notified in the months after of an error, I had sufficient funds to right this. Three years, a year of pandemic, 9 months out of work, a new job making half the wage I made, I am strapped. I am at a loss on how the blame is solely on me.
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| 12/11/2020 |
Yes |
- Debt collection
- I do not know
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- Attempts to collect debt not owed
- Debt was result of identity theft
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Web |
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On XX/XX/2020 I contacted Security Credit Systems regarding a fraudulent account that was listed on my credit report. I was able to remove the account with the credit bureaus in the past. However Security Credit System reinserted it onto my credit report. I called Security Credit system & informed the representative that I was a victim of identity theft & that the account did not belong to me. The representative told me that he would call XXXX ( the original creditor ) to request documentation from them that had my signature on it to verify if the account belong to me. He also instructed me to email a copy of my police report. I emailed the police report on XX/XX/2020. I have yet to receive any documentation from the creditor showing why they are validating that the account belong to me. In addition to emailing the police report, I also sent mail physical copy along with my identity theft report filed with the FTC. I was able to print off a document prepared by the FTC requesting that they send me documentation showing me my signature on any form related to the account as well. The collection agency has failed to send me any documentation other than a bill related to the account. Yet I was informed by XXXX on XX/XX/2020 that they verified my collection as accurate in my dispute on XX/XX/XXXX. HOW is it accurate? When I am clearly providing them with the documentation that I am a victim of identity theft. The account is a result of identity theft. I attempted to call Security Credit Systems on XX/XX/2020 to discuss the account but now I am being sent straight to voicemail.
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| 12/12/2023 |
Yes |
- Debt collection
- Other debt
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- Took or threatened to take negative or legal action
- Threatened or suggested your credit would be damaged
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Web |
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In 2021 the debt collector, Security Credit Systems Inc., aggressively and relentlessly called my phone number. When I answered, a man who refused to give his name, was extremely threatening - yelling and not allowing me to speak. He said I owed money to XXXX XXXX XXXX which I attended under federal government-issued student loans only. When I asked for proof of the debt, which he alleged was over {$15000.00} at the time, he hung up on me. Two years later, with absolutely no contact from him, and with the college itself refusing to provide validation of the debt to me upon request, I noticed a collections account in excess of {$20000.00} on my credit reports- put there by Security Credit Systems Inc. Not only has the debt inexplicably increased by over {$5000.00}, the debt collector and original creditor will not provide validation of the debt, and yet manage to stain my credit report every year with no consequence.
Similarly, when I contact the accounts department at XXXX XXXX, both a male and female staffer are extremely belittling, insulting and unhelpful simply stating that I owe the debt and not explaining, despite my federal student loans, why this debt is owed. They talked to me like I was stupid and were extremely insulting. Furthermore, the school asked me in writing to leave, for no reason, and yet are charging me for the entire semester. They were not interested in explaining the debt or reaching resolution, but instead exported the matter to an aggressive and threatening debt collector.
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| 06/06/2022 |
Yes |
- Debt collection
- Private student loan debt
|
- Attempts to collect debt not owed
- Debt was result of identity theft
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Web |
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I never had a student loan. I am the victim of identity theft. Security Credit Systems , INC. has sent a request for a debt with the following : -hand written interest rates in ink -a " contract '' without a signature -an address I never lived at -a name that is not mine -relatives/references that I do not know -a phone number that is not mine - a " contract '' stating amount financed of {$2800.00} and total of payments of {$2800.00} indicating this has been paid -a section stating " number of payments '' with report of XXXX payments being made on this fraudulent loan I have never had a student loan. I have never given written permission for a third party to have my personal and private information. I have never utilized the name on the " contract ''. I have never signed any document to take out a loan/money with this company nor XXXX University XXXX
You have illegally reported information to several third parties and credit bureaus. Your fraudulent practice and this fraudulent loan has tarnished my name and my buying power.
Security Credit Systems hand wrote in information on a " contract '' showing how fraudulent it is and how this is not a valid contract, clearly showing there is not a signature line. On the " contract '' there are also changes in font and font size showing this has been doctored up just to attempt to claim a fraudulent debt
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| 10/30/2018 |
Yes |
- Debt collection
- Federal student loan debt
|
- Took or threatened to take negative or legal action
- Threatened or suggested your credit would be damaged
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Web |
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I received a letter from Security Credit Systems , INC. ( SCS ) regarding an alleged debt from my university. I had received a letter from them about a year ago indicating that they were servicing this debt. I contacted them in order to gain more information into thi alleged debt. The CSR was very rude, very aggressive, and very impatient. I was attempting to gather the basic information surrounding this debt, however, he was very aggressive and uncooperative in getting me this information. He and I had unpleasant words and he ended the call. I attempted to call back numerous times in hopes of getting someone different or someone I could more easily connect with, but the operator advised that they were blocking my calls. Even when I called from a different number hoping to get someone with a cooler head, I was still blocked. I did not receive any communication from SCS for over a year or so. I then got a letter from them with the body in all capital letters suggesting that if I did not pay them, I would face repercussions such as being ineligible for a credit card, car loan, mortgage, or personal loan. They also advised that a " good credit rating is essential '' in order to acquire these types of trade lines. I have attached the written correspondence letter I received below.
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| 04/11/2017 |
Yes |
- Student loan
- Non-federal student loan
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- Dealing with my lender or servicer
- Trouble with how payments are handled
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Web |
|
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I already know what SCS is saying. The check in question was through a bill pay account that funds the check before it is sent. Please see note below.
My bank confirms that this was sent to them on XX/XX/2016. They DID NOT DEPOSIT IT until 113 days later.
I am paying an outstanding loan for my Son. I send checks through my bank bill pay system. On the check it states " Check void after 90 days '' Security Credit Systems purposely held the check for 113 days before deposit. Check delivered to them on XX/XX/2016 place for deposit by them on XX/XX/2016. XXXX accused me of bouncing a check and will no longer accept checks for payment. They returned XXXX checks. Requesting Money orders only. I am now sending the checks directly to the school. The have accused me of writing a bad check in which I plan to research how I can take them to court for defamation of character.
1.The check was not returned for NSF. It was voided due to failure to deposit. " Check void after 90 days '' 2. I will not be sending anyone a MONEY ORDER.
3. I will continue to send checks directly to XXXX until you figure out who I send a CHECK to.
4. My check was not returned for NSF. and I will go to legal action if this claim is not corrected.
Thank you, XXXX
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| 06/26/2017 |
Yes |
- Debt collection
- Medical debt
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- Attempts to collect debt not owed
- Debt was paid
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Web |
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I paid my XXXX XXXX the balance of my debt of {$59.00}. I accidentally sent them {$69.00}. Paid in full right? I check my credit report and I have Security Credit System on my report. I never dealt with Security Credit Systems. I dispute the debt. I receive a letter on XXXX/XXXX/XXXX from Security Credit System , Inc saying I have a balance of {$9.00} ( handwritten on invoice ). What it also has handwritten is a charge for collection fees of {$19.00} and no date. Which is 33 % of the original debt. I called SCS to dispute the charge. They REFUSE to send me any and all copies of invoices they claim they sent with this balance on. They claim the collection charge was added XXXX/XXXX/XXXX. They REFUSE to send me any copies of an invoice showing this charge sent to me or fees added at this date. They REFUSE to send me any copies they claim they sent me They REFUSE to send me any documentation of their fee rates nor send me any literature on how they came up with a 33 % Fee. They REFUSE to send me anything. They threatened to put on my credit against me yet refuses to give me any way of disputing this. My debt was paid to XXXX XXXX XXXX XXXX and that is final.
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| 05/26/2016 |
Yes |
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- Cont'd attempts collect debt not owed
- Debt was paid
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Web |
Older American |
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I had an account with XXXX XXXX XXXX which I paid off in full. All my payments were sent directly to XXXX & I have all the receipts to prove it. There is this company Security Credit Systems Inc that has placed a hold on my XXXX account so that I can not get my crown replaced which I have paid for. Not only that they have reported this to credit agencies screwing up my credit. They say I owe them money. I DO NOT! I sent them a certified letter with return receipt so I know they got it refusing to pay them. I have never spoken with anyone from them nor received any kind of bill, statement or correspondence so I will not pay them. I expect this to be corrected immediately! Also, do n't you think its funny if I owed them money why they never sent me a bill for their " services ''. If XXXX paid them to collect a debt they got ripped off because I 've never heard of this company. Something I forgot to mention is I never knew I was in collections until I tried to make an appointment with XXXX an they told me I needed to settle with this company first. I 'm XXXX retired with a limited income I can not afford to pay for a crown twice & I should n't have to.
|
| 06/20/2017 |
Yes |
- Debt collection
- I do not know
|
- Attempts to collect debt not owed
- Debt is not yours
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Web |
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In XXXX XXXX, a collection account began reporting to my various credit reports by Security Credit Systems LLC. The original creditor is listed as XXXX XXXX, the original and current balance are {$2000.00}. I do not know what XXXX XXXX is, nor do I have any idea why they think I owe them over {$2000.00}. I have disputed the account reported by SCS on my credit reports, through the bureaus, and even reached out to SCS themselves to dispute the account. I asked to be furnished with any records that would validate my liability for the debt they are reporting. They have not responded, yet have verified the account as accurate to the credit bureaus. Surely, if it were a legitimate collection theyd have proof to send me. Moreover, the report claims that I made a payment of {$110.00} in XXXX, yet the balance remains the same. In my dispute, I noted that XXXX, XXXX has dozens of complaints against them on BBB, due to their sketchy, if not fraudulent, billing and collecting practices. I also noted that my first notice of the debt/collection was seeing it on my credit report, as neither XXXX nor SCS thought to inform me that they thought I owed them money.
|
| 03/20/2017 |
Yes |
- Debt collection
- Other (i.e. phone, health club, etc.)
|
- False statements or representation
- Attempted to collect wrong amount
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Web |
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I was attending XXXX XXXX University XX/XX/XXXX - XX/XX/XXXX, during that time I both received financial aid, as well as paid a portion out of pocket. Once I finished the term, I did not wish to return taking classes there. It was to my knowledge that I left in good standing, however, I later on received a notice in the mail saying I had an account that had been sent to collections from XXXX. When I called it was still very unclear why I had a balance because I was awarded the federal pell grant through financial aid for all terms that I attended. I never received documentation that I had a balance prior to the letter about sending my account to collections. I did move to a different apartment complex and did n't think to make XXXX aware because I was no longer attending classes there and was not notified I had an outstanding balance. When I called they told me I had a balance of {$630.00} and that now I had to wait for the collections agency to contact me. I later checked my credit report and XXXX report {$820.00} which is a different amount. I would like this to be deleted from my credit report one way or another.
|
| 12/23/2015 |
Yes |
- Debt collection
- Other (i.e. phone, health club, etc.)
|
- Cont'd attempts collect debt not owed
- Debt is not mine
|
|
Web |
|
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In 2007, I only registered spring semaster @ XXXX for total tuition of {$5000.00} but I withdrew all my classes before semaster stated. After a year later, the bursar 's office mailed me a bill stating I owe them {$5000.00} unpaid college tuition. I called them right back and told them I withdrew all the classes prior to semaster start date, I did n't attend any classes at all and should n't pay it.
Since then, the debt collection agency keep calling me at work, home, even on my cell phone. I did not give out any of my numbers. They making threats to levy my bank account and put a hold on my paystubs. Especially this year, when this person named XXXX XXXX from Security Credit Systems XXXX XXXX ext XXXX did boiler room harrase me by calling my work and cell phones everyday. He made threats to me telling that he will put a hold on my paystub until the debt is paid in full and levy against my bank account. He even asked my new home address so he can send more debt collection mails. I am really scared right now and do n't know what to do. This is not my Debt since I do not owe the school anything. Please help.
|
| 12/12/2018 |
Yes |
- Debt collection
- Private student loan debt
|
- Took or threatened to take negative or legal action
- Threatened or suggested your credit would be damaged
|
|
Web |
Servicemember |
|
This debt is not valid and the collections agency is refusing to stop collections on this invalid debt. The collections agency was contacted in XX/XX/XXXX after finding a negative item on my credit report. In my contact with them I was informed that I would need to contact the original creditor as my dispute was that the debt was not valid. The original creditor was contacted in XX/XX/XXXX and as a result the negative item was removed from my credit reports.
The creditor, in XX/XX/XXXX, a full five months after the issue was resolved, has renewed collections attempts for this invalid debt and is now threatening negative/adverse action that will affect my credit report.
Upon contact in XX/XX/XXXX, the credit collection agency was unwilling to resolve this issue despite being informed that this debt is invalid. The agency also refuses to make any effort to verify that this debt is not valid. The agency says that their attempt to contact the original creditor in XX/XX/XXXX by email constitutes the legal requirement of due dilligence on their part.
|
| 08/25/2015 |
Yes |
- Debt collection
- Other (i.e. phone, health club, etc.)
|
- Cont'd attempts collect debt not owed
- Debt is not mine
|
|
Web |
Servicemember |
|
I have been repeatedly contacted by phone and through the mail by Security Credit Systems Inc in XXXX XXXX about charges from XXXX College in XXXX, XXXX, which I attended under the Trade Act, which covered all tuition, books, fees, and required materials ( in addition I also received XXXX State Grants each semester ). All charges should have been covered by either the Trade Act or the State Grants. I have repeatedly requested information specifying what the charges were for, and received a print out provided by the XXXX which indicated only " XXXX XXXX, '' with no itemized information provided. I recently received a letter from Security Credit Systems Inc which said, in part, " ... Because of your neglect we may be forced to recommend further collection activity. '' I find that statement to be threatening and harassing given that I have repeatedly requested information regarding what the charges are for, but have never received that information, and that is why I am reporting this collection agency.
|
| 06/19/2017 |
Yes |
- Debt collection
- Medical debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
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On XXXX XXXX, 2017 via return receipt I sent Security Credit Systems a letter asking them to verify a debt that was on my credit report of {$290.00} and a complete itemized accounting of this debt. Telling them if they could not provide this to delete this from my credit report. They sent a another bill for XXXX with o details of what constituted that amount. I then contacted XXXX via return receipt and asked them to remove this debt as Security Systems failed to verify what this debt was for. XXXX said they contacted them and the balance is being reported correctly, they did not address that it could it be validated with an itemized statement of services. I am asking you to please contact Security Credit Systems and XXXX and have them remove this debt from my credit report. Please see attached documents as proof of my case and requests. Also that the XXXX XXXX court requires in a ruling that itemized accounting is required to validate a debt. Thank you.
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| 03/10/2022 |
Yes |
- Student loan
- Private student loan
|
- Dealing with your lender or servicer
- Keep getting calls about your loan
|
|
Web |
|
|
Security Credit Systems IncXXXX called me and my place of employment on XX/XX/XXXX about a student loan with XXXX XXXX University that was already dealt with ( via loan consolidation with XXXX ) in XX/XX/XXXX. They not only called me at my work number, they called a co-worker, and the front desk at my job and asked to speak with HR. I called them back and they were very rude, threatening, and predatory. They told me that I have this on my credit report and that i need to make payment today. When I told them that I would like to look into the matter myself before sending payment, by pulling my own credit report and contacting XXXX, they told me that my offer would not be valid if I did not call them back tomorrow. They claim that I owe them {$11000.00}. I pulled my credit report and did not see that debt listed. I also called XXXX and they confirmed to me that the debt was consolidated successfully back in XX/XX/XXXX.
|
| 04/26/2023 |
Yes |
- Student loan
- Federal student loan servicing
|
- Dealing with your lender or servicer
- Keep getting calls about your loan
|
|
Web |
|
|
I have no outstanding debt owed. The " debt '' they are trying to collect was for a semester I never attended. I fell ill at the beginning of the semester and withdrew and had a confirmation of withdrawal. I was informed that there would be no charges since it was prior to the semester start. I still received a bill and when I contacted the school, they said to ignore it as it was already handled, and it must have been an error. This was back in XXXX, I think. Since then, I received many calls saying it went to collection, and it needed to be paid. I was told by the school to not answer these calls. Fast forward till now and I and my family/friends have been getting calls requesting information and stating I have a debt in collections. I do not have access to most documents as they were through my school email and old email, I no longer have access to, and calls to my " advisor '' at the school.
|
| 05/03/2023 |
Yes |
- Debt collection
- Credit card debt
|
- Threatened to contact someone or share information improperly
- Talked to a third-party about your debt
|
|
Web |
Servicemember |
|
This debt is from a company that I have disputed in the past and they are still trying to collect. They have called me every single day if not every other and left voicemails harassing me to pay the debt back and call them back or further action will be pursued. They somehow got my family members phone numbers and call them telling them that I need to call them. They somehow got my girlfriend 's phone number and call them and told her that I have debt and they need to have me call them as well. Their tactics at XXXX XXXX in XXXX New York seem to be illegal and harassing. Security Credit systems at XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, NY XXXX phone number XXXX. They are very threatening and invasive for who they are calling. I don't even understand how they were able to get my brothers and sisters phone numbers and other family members including my girlfriend just to harass me about this debt
|
| 04/04/2017 |
Yes |
- Student loan
- Federal student loan servicing
|
- Dealing with my lender or servicer
- Keep getting calls about my loan
|
|
Web |
|
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I received many phone calls from this company security systems in regards to a student loan account that was from XXXX college, ( I actually have XXXX accounts, but they are both being serviced throught XXXX, under the united states department of education ) I sent letters, and spoke with XXXX on the phone, I also faxed over the information that this account is serviced under the united states department of education and is being serviced through XXXX, through the wage garnishment department but the phone calls continue, even after i furnished the information to XXXX I wish to have this account updated to have this security credit systems company removed from my credit report, with an explanation and to stop calling me about this XXXX college account. thank you
|
| 10/27/2017 |
Yes |
- Debt collection
- Private student loan debt
|
- Communication tactics
- Used obscene, profane, or other abusive language
|
|
Web |
|
|
Received XXXX/XXXX/XXXX a statement of debt claiming to be owed to XXXX for tuition that should have been paid in full at beginning of semester by organization that assisted persons with XXXX. Many correspondences between myself, the organization, and the school in regards to this occurred debt, but the collection agency, security credit systems Inc is very hurtful in their corresponding letters addressing I make payment. The letter for the date mentioned above is phrased in such away that feels abusive and actually made me cry! They are very Distasteful in the way they correspond! Threats to pursue other measures are not OK considering I am still corresponding with the original parties related to this owed money.
|
| 02/13/2018 |
Yes |
- Debt collection
- Private student loan debt
|
- Threatened to contact someone or share information improperly
- Contacted your employer
|
|
Web |
|
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XXXX XXXX at XXXX XXXX calls my WORK phone 1x a day, my moms cell phone and my employer. When he contacted both my mother and my employer ( old manager ) he did not state who he was, why he was calling but was probing for information if I was at my desk/vacation/available to speak. Would not disclose information on why he was calling right away and my mom and employer want him to stop contacting them.
In addition, he was phishing for more people I work with and their phone numbers to be able to contact myself. If he doesn't stop I will file a law suit as he is putting my career in jeopardy.
I'm sure he has contacted others at my job too, which is ruining my character within my position.
|
| 01/05/2023 |
Yes |
- Debt collection
- Private student loan debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
I was recently checking my credit report and noticed a collection account from Security Credit System for {$4600.00}. I do not know this company and have never given them permission to report anything on my consumer file.
Currently this company is reporting negative information as if I am legally obligated to pay a debt to XXXX. This account has been causing me stress an anxiety as it is listed as charge off yet I have never received the proper tax documents from the alleged original creditor. Additionally I have never done business with this company and demand they show proof that I have. I'm attaching my requests to them to get this resolved so I can move on with my life.
|
| 03/25/2021 |
Yes |
- Debt collection
- Private student loan debt
|
- False statements or representation
- Attempted to collect wrong amount
|
|
Web |
|
|
I received TAP and federal loan to attend XXXX XXXX in 2014. I dropped out during my 3rd or 4th week. I was never told that I had to repay XXXX for a full semester, in the amount of {$3700.00}, nor that I would be responsible for whatever payments TAP or the government did not pay after dropping out. I am now being harassed by a debt collection agency weekly and the school refuses to explain why that without any legal documentation should I be responsible for a loan I never accepted from the school. I have reached out and emailed the schools financial department who has insisted that I pay this debt even without any legal proof that I am responsible for it.
|
| 10/20/2022 |
Yes |
- Debt collection
- I do not know
|
- Attempts to collect debt not owed
- Debt was result of identity theft
|
|
Web |
|
|
Once more, I, XXXX XXXX, am submitting this CFPB complaint to contest the data you allegedly have on my credit file. I fell victim to identity theft once more, and I never authorized the charges and transactions with your company. I'm asking you to delete the information in my credit file that you are currently reporting in accordance with the Fair Credit Reporting Act. I don't think I ever signed a contract, and your blatant disregard for federal law is a breach of my legal rights as a consumer. Please get rid of the account that is included on my credit report, as I beg you.
SECURITY CREDIT SYSTEMS XXXX Opened XXXX. XXXX, 2021 Balance {$4000.00}
|
| 03/28/2017 |
Yes |
- Debt collection
- Non-federal student loan
|
- False statements or representation
- Indicated committed crime not paying
|
|
Web |
|
|
I am paying an outstanding loan for my Son. I send checks through my bank bill pay system. On the check it states " Check void after 90 days '' Security Credit Systems purposely held the check for 113 days before deposit. Check delivered to them on XX/XX/XXXX2016 place for deposit by them on XXXX/XXXX/2016. XXXX XXXX accused me of bouncing a check and will no longer accept checks for payment. They returned XXXX checks. Requesting Money orders only. I am now sending the checks directly to the school. The have accused me of writing a bad check in which I plan to research how I can take them to court for defamation of character. I do not owe this debt.
|
| 08/13/2022 |
Yes |
- Debt collection
- I do not know
|
- Written notification about debt
- Didn't receive enough information to verify debt
|
|
Web |
|
|
Fraudulent collection attempts and unjustified credit reports since XX/XX/XXXX.
I have spoken to this people over the phone years ago, like 5-6 years ago and instead of providing me with a debt validation, they proceeded to sell this to a collection agency. On XX/XX/XXXX I sent a Debt Verification Letter request and they have failed to update the account as being disputed and failed to reply to my verification letter. The collection agency in question is SECURITY CREDIT SYSTEM. This is a XXXX XXXX and is fraudulent.
SECURITY CREDIT SYSTEM XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NY XXXX ( XXXX ) XXXX Collection amount : {$5000.00}
|
| 08/09/2016 |
Yes |
- Debt collection
- Non-federal student loan
|
- Communication tactics
- Used obscene/profane/abusive language
|
|
Web |
|
|
I was on a payment plan with this agency for a debt and they wanted me to pay more and repeated called and repeated told me what a loser I was because I could pay more than what I was ( I was and am unemployed ). They then just stopped taking my auto payments and continue to call and send letters. I have asked then not to contact me via phone repeatedly and wrote letters requesting my original payment plan. They ignore it and keep sending me the same letter saying I have ignored them. If I would have been on my payment plan from when they stopped it this debt would be paid. I can even put into words how upsetting this has been.
|
| 11/02/2023 |
Yes |
- Credit reporting or other personal consumer reports
- Credit reporting
|
- Problem with a company's investigation into an existing problem
- Investigation took more than 30 days
|
|
Web |
|
|
This company 's consistent violations of my consumer rights under the Fair Debt Collection Practices Act have caused significant financial and emotional distress They continue to report an erroneous and unverifiable account on my credit report, despite my repeated requests for proof of claim as required by the FDCPA My efforts to rectify this situation have fallen on deaf ears. Despite the existence of multiple complaints against them for Illegal and unethical practices, they continue to operates implore you to intervene and put an end to thee unethical behavior
|
| 06/16/2016 |
Yes |
- Debt collection
- Federal student loan
|
- Communication tactics
- Frequent or repeated calls
|
|
Web |
Servicemember |
|
I have been contacted every day for the last 6 months on both a home phone amd a cell phone from this company " SECURITY CREDIT SYSTEMS, INC.. '' They claim to be atempting to collect debt from a student loan. I received mail from the company with a website to access.in order to make payments online. Since I am an XXXX military member XXXX, I attempted to use the site to pay. After inputing sensitive information and attempting to start payments, it became clear that I may have fallen victim of a scam. I fear that I will become a victim of identity theft.
|
| 01/06/2023 |
Yes |
- Debt collection
- Medical debt
|
- Attempts to collect debt not owed
- Debt was paid
|
|
Web |
|
|
So theres a couple problems. XXXX XXXX knew that I had XXXX because I verbally told them. Thats the first problem. The second problem is that they took my medical information and gave that medical information to a collection agency in the river in accordance to the response from the collection, agency XXXX XXXX.
I under no circumstances, agreed that a XXXX XXXX for a collection agency could have my medical information. I want this removed immediately. And I would like you to pursue whatever HIPAA things should be reported
|
| 12/06/2023 |
Yes |
- Debt collection
- Other debt
|
- Threatened to contact someone or share information improperly
- Talked to a third-party about your debt
|
|
Web |
|
|
XXXX from Security Credit Systems called and identified he was calling from Security Credit Systems. He contacted XXXX of my family members that I know of. He violated my rights and I'm going to sue. SCS owes me {$1000.00} per violation for indicating to my family that he was calling from a debt collecting company. The minute he said the name of his company he violated my right. He is harassing family members and he asked them to relay a message to me. In addition, I have a payment arrangement with the original debtor.
|
| 01/13/2020 |
Yes |
- Debt collection
- I do not know
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
" Security Credit Systems " has harrassed me for several months seking to collect a debt from a third party. they have ben told repeatedly i am not the debtor, nor will i give them any information on a third party. they have been asked by me to stop calling 5 times.they call from this number XXXX XXXX XXXX most recently XX/XX/XXXX at XXXX XXXX and then again on XX/XX/XXXX XXXX XXXX on my cell phone. ( XXXX XXXX XXXX ) they have also called y wif'es phone each time they have tried mine, she is not the debtor, either.
|
| 04/01/2017 |
Yes |
- Debt collection
- Federal student loan
|
- Communication tactics
- Called after sent written cease of comm
|
|
Web |
|
|
I received many phone calls from this company security credit systems in regards to a student loan account from XXXX College, I sent letters spoke with XXXX on the phone, I also faxed over the information that this account in under the us department of education, and that I am paying a monthly fee to XXXX who currently has this account, but the phone calls continue, I wish to have this account updated to reflect that this account in fact is being serviced by XXXX, and that payment are being made in a timely fashion
|
| 10/27/2022 |
Yes |
- Debt collection
- Private student loan debt
|
- False statements or representation
- Indicated you were committing crime by not paying debt
|
|
Web |
|
|
On XXXX I received a call from Security Credit Systems stating that I owed a debt that was not mine. The agent stated a name and DOB that was not mine. The agent then stated they were confused and unsure how to proceed. I then submitted a document via email to XXXX stating the company not contact me. Then on XXXX I received a letter in the mail stating I owed {$11000.00} and if I don't write to then by XXXX then I owe the amount listed on the paper.
|
| 09/05/2022 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Account information incorrect
|
|
Web |
|
|
XXXX XXXX XXXX XXXX {$1200.00} Original Creditor : Not Available COLLECTIONS XXXX Act. # XXXX Opened XXXX Reported Closed Condition I did not open this account with this creditor in XXXX. If an account was opened it is fraud.
Securitycred Balance {$500.00} Original Creditor : Not Available COLLECTIONS XXXX Act. # XXXX Opened XXXX Reported Unknown Condition I did not open an account with this creditor in XXXX. If an account was opened it is fraud.
|
| 09/03/2021 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
I HAVE NOT SUPPLIED PROOF UNDER DOCTRINE OF SILENCE, ENGLEHARDT V. GRAVENS MO 281 SW 715,719.NO PROOF OF THE DEBT EXIST OR DEBT EXIST TITLE 15. CREDIT REPORTING IS IN FACT OPTIONAL, WILL MOVE TO ARBITRATION.. Under title 15 credit reporting is in fact optional. In accordance to 15 USC 1692 e, f, i. I have all rights reserved as a consumer citizen of heaven and I do not give permission to any company to speak, embezzle or coerce any debts.
|
| 05/13/2016 |
Yes |
- Debt collection
- I do not know
|
- Communication tactics
- Threatened to take legal action
|
|
Web |
|
|
I received a call from Security Credit Systems , Inc XXXX twice to my direct work line. I 've already requested that they do n't contact my employer last year. I received a call today and the collector threatened to contact my company about my debt. I know that he is unable to do that. He was rude and railroad me. After I asked him again to not contact at my place of work. Caller refused to tell me what the debt is for.
|
| 10/18/2021 |
Yes |
- Debt collection
- I do not know
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
I disputed this account i saw on my credit report. The credit bureaus said it came back accurate and that this company certified this collection debt was in fact correct with out providing me the proof requested. At this point im being taken advantage of because i do not know who these people are, i never dealt with them and know they are demanding i pay for something i have no knowledge of.
|
| 11/12/2020 |
Yes |
- Debt collection
- I do not know
|
- Written notification about debt
- Notification didn't disclose it was an attempt to collect a debt
|
|
Web |
|
|
I received an alert on XXXX credit report. I looked and it was notified this particular agency. Security credit systems. I have never received a notice. I dont believe I owe a debt. I call and call and call and it only ever goes to voicemail. So Ive never received any notice and now they put it on my credit report and I dont even know what its for. And Im sure that I dont owe it.
|
| 04/16/2015 |
Yes |
- Debt collection
- I do not know
|
- Communication tactics
- Frequent or repeated calls
|
|
Web |
Servicemember |
|
They calling my house and asking to speak to my daughter, when they are told she does n't live here they tell me that I am lying and they will continue to call me XXXX Times a day if they want to, they wo n't give me thier address so I can send a cease and desist letter so I told them to cease and desist calling but they continue to call the name of the company is security credit
|
| 05/26/2016 |
Yes |
- Debt collection
- I do not know
|
- Improper contact or sharing of info
- Talked to a third party about my debt
|
|
Web |
|
|
left message on phone with my name and that they where a collection agency - XXXX in a row. On a phone account I share with my daughter. There is no identifiers that the voicemail is mine. My daughter retrieved the message.
If you are calling to collect a debt you are not suppose to leave info on a voicemail if there is no identifiers. In this case someone elses phone.
|
| 08/28/2023 |
Yes |
- Credit reporting or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Information belongs to someone else
|
|
Web |
|
|
Before unfairly closing my complaint I was unable to add my supporting documents of identity theft. I have contacted Security Credit Services to let them know that I am victim of identity before allowing my to provide proof before 30 days was up in violation of FRCA act the complaint was closed today is XX/XX/2023 the supporting documentation is attached.
|
| 09/22/2017 |
Yes |
- Debt collection
- Federal student loan debt
|
- Written notification about debt
- Didn't receive notice of right to dispute
|
|
Web |
|
|
X/XX/2017 - Company : Security Credit Systems Contacting people that are not part of my life and giving information to these people, all without any written notification. This is all without permission, if that was n't a given already. I did not even have contact information for this person that they contacted, I am sure that is a violation of some type.
|
| 04/04/2022 |
Yes |
- Debt collection
- Medical debt
|
- False statements or representation
- Attempted to collect wrong amount
|
|
Web |
|
|
I received a collection notice for a medical debt that was {$42.00} Security Collection Systems is attempting to collect {$54.00} from me.
I requested a verification of debt from them and them sent it to me, it shows {$42.00} owed.
When I call them and try to pay the {$42.00} they wont accept it saying I owe the {$54.00}
|
| 10/20/2021 |
Yes |
- Debt collection
- Medical debt
|
- Attempts to collect debt not owed
- Debt was paid
|
|
Web |
|
|
Ambulance bill was handled by insurance company. Have been trying to dispute information from the credit bureau 's but have been unsuccessful. Insurance company handled bill. Instead of removing the collection off credit report the credit bureau 's just removed the amount owed on one report and left the collection open.
|
| 03/02/2021 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Account status incorrect
|
|
Web |
|
|
This is showing up again. I spoke with windsong- this never should have been charged to me. I had nys no fault AND private insurance AND NYS XXXX as I was pregnant. They advised me they would be removing it.
Now its back on my credit report, apparently from a collection agency, that I have never heard from either.
|
| 06/17/2019 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Information belongs to someone else
|
|
Web |
|
|
Asked both of these companies for validation of debt. Original creditor XXXX aka XXXX XXXX XXXX XXXX and debt collector Security Credit Services has only provided me with a letter stating that the debt is valid. Under the FCRA that is not proper documentation to be submitted to credit bureaus.
|
| 11/26/2019 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt was paid
|
|
Web |
|
|
XXXX XXXX XXXX has apparently obtained old collection information from a XXXX account that was removed from my credit report for over 3 years. They have now put it back on my credit report with an opening date of XX/XX/2019. This is illegal re-aging of a collection account.
|
| 06/17/2022 |
Yes |
- Debt collection
- Medical debt
|
- Attempts to collect debt not owed
- Debt was paid
|
|
Web |
Servicemember |
|
I paid {$290.00} on XX/XX/2022 in person at XXXX XXXX. I have made repeated phone calls to XXXX and Security Credit Systems, to have the debt removed from XXXX, XXXX and XXXX. It shows unpaid on all 3 reports and my score is severely decreased because of this.
|
| 09/15/2021 |
Yes |
- Debt collection
- Credit card debt
|
- Attempts to collect debt not owed
- Debt was result of identity theft
|
|
Web |
|
|
Per tracking, Its been 2-3 months. No information given. Accounts unknown. Ignored investigation. Violates 15 USC 1692efg and 1681a never authorized or given permission for accounts report. On Copy, XXXX, Attorney General and FTC
|
| 03/28/2023 |
Yes |
- Debt collection
- Medical debt
|
- Communication tactics
- Used obscene, profane, or other abusive language
|
|
Web |
|
|
Four different times last week ( XX/XX/23 ) I called Security Credit Systems to try and pay my debt. Each time when I denied wanting to pay the extra fee to have the debt removed from my credit report, they hung up on me.
|
| 05/28/2020 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt was already discharged in bankruptcy and is no longer owed
|
|
Web |
|
|
All but one current account in my reports XXXX security credit {$610.00} XXXX was already disputed and removed from my reports the beginning on 2020 and now they have been put back on to my reports again!!!!!!!!!!!!!
|
| 07/07/2015 |
Yes |
- Debt collection
- I do not know
|
- Cont'd attempts collect debt not owed
- Debt is not mine
|
|
Web |
Servicemember |
|
I AM RECEIVING PHONE CALLS FROM A DEBT COLLECTOR. THE DEBT IS FOR ANOTHER PERSON NOT ME. I HAVE SENT A STOP AND DESIST LETTER. I AM STILL RECEVING CALLS FROM THEM PLEASE ANY HELP THANK YOU.
|
| 08/06/2015 |
Yes |
- Debt collection
- Other (i.e. phone, health club, etc.)
|
- Communication tactics
- Frequent or repeated calls
|
|
Web |
|
|
A collector by the name of " XXXX XXXX '' has called my cell phone for the past four days, leaving a voicemail message each time. On the fourth day, he left XXXX voicemail messages.
|
| 03/19/2019 |
Yes |
- Student loan
- Private student loan
|
- Dealing with your lender or servicer
- Keep getting calls about your loan
|
|
Web |
|
|
I have a student loan that has gone to a collection agency and they have been repeatedly calling me at work after I have told them repeatedly not to call me at work.
|
| 07/10/2021 |
Yes |
- Debt collection
- I do not know
|
- Took or threatened to take negative or legal action
- Threatened or suggested your credit would be damaged
|
|
Web |
|
|
On XXXX XXXX this company reported that I owe XXXX to the credit bureaus when I dont know who they are and have never done business with their company.
|
| 02/21/2019 |
Yes |
- Debt collection
- I do not know
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
XXXX XXXX with Security Credit Systems contacted my phone number in an attempt to collect a debt from a XXXX XXXX, someone that I do not know.
|
| 03/20/2019 |
Yes |
- Debt collection
- Auto debt
|
- Communication tactics
- Frequent or repeated calls
|
|
Web |
|
|
They call me on my work phone number. I have asked them to stop calling me on my work number and they keep doing it, which is illegal.
|
| 08/23/2021 |
Yes |
- Debt collection
- I do not know
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
I have no clue what this debt is for and I did not do any business with your company. Please remove this account from my credit file.
|
| 05/14/2019 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
I reviewed this information and found on my credit report. I have never did business with this company. I do not owe this depth
|
| 11/15/2022 |
Yes |
- Debt collection
- I do not know
|
- Communication tactics
- Called before 8am or after 9pm
|
|
Web |
|
|
The company calls before XXXX XXXX
|
| 01/24/2024 |
Yes |
- Credit reporting or other personal consumer reports
- Credit reporting
|
- Problem with a company's investigation into an existing problem
- Their investigation did not fix an error on your report
|
|
Web |
|
|
|
| 10/20/2023 |
Yes |
- Credit reporting or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Information belongs to someone else
|
|
Web |
|
|
|
| 10/12/2023 |
Yes |
- Debt collection
- Other debt
|
- Communication tactics
- Frequent or repeated calls
|
|
Web |
|
|
|
| 08/22/2023 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Other personal consumer report
|
- Identity theft protection or other monitoring services
- Problem with product or service terms changing
|
|
Web |
|
|
|
| 08/07/2023 |
Yes |
- Debt collection
- I do not know
|
- Communication tactics
- Called before 8am or after 9pm
|
|
Web |
|
|
|
| 08/02/2023 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Account status incorrect
|
|
Web |
|
|
|
| 05/31/2023 |
No |
- Debt collection
- Private student loan debt
|
- Attempts to collect debt not owed
- Debt was paid
|
|
Web |
|
|
|
| 02/28/2023 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Information belongs to someone else
|
|
Web |
|
|
|
| 02/28/2023 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Information belongs to someone else
|
|
Web |
|
|
|
| 02/28/2023 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Information belongs to someone else
|
|
Web |
|
|
|
| 02/28/2023 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Information belongs to someone else
|
|
Web |
|
|
|
| 02/24/2023 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Information belongs to someone else
|
|
Web |
|
|
|
| 02/24/2023 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Information belongs to someone else
|
|
Web |
|
|
|
| 02/24/2023 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Information belongs to someone else
|
|
Web |
|
|
|
| 02/24/2023 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Information belongs to someone else
|
|
Web |
|
|
|
| 02/22/2023 |
No |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Problem with a credit reporting company's investigation into an existing problem
- Their investigation did not fix an error on your report
|
|
Web |
|
|
|
| 01/15/2023 |
Yes |
- Debt collection
- I do not know
|
- Attempts to collect debt not owed
- Debt was result of identity theft
|
|
Web |
|
|
|
| 10/20/2022 |
Yes |
- Debt collection
- Medical debt
|
- Threatened to contact someone or share information improperly
- Talked to a third-party about your debt
|
|
Web |
|
|
|
| 09/27/2022 |
Yes |
- Debt collection
- I do not know
|
- False statements or representation
- Attempted to collect wrong amount
|
|
Web |
|
|
|
| 08/24/2022 |
Yes |
- Student loan
- Federal student loan servicing
|
- Improper use of your report
- Reporting company used your report improperly
|
|
Web |
|
|
|
| 08/12/2022 |
Yes |
- Debt collection
- Other debt
|
- Written notification about debt
- Didn't receive enough information to verify debt
|
|
Web |
|
|
|
| 07/26/2022 |
Yes |
- Debt collection
- Private student loan debt
|
- False statements or representation
- Attempted to collect wrong amount
|
|
Web |
|
|
|
| 04/19/2022 |
Yes |
- Debt collection
- Other debt
|
- Communication tactics
- Frequent or repeated calls
|
|
Web |
|
|
|
| 11/09/2021 |
Yes |
- Debt collection
- I do not know
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
|
| 10/20/2021 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Information belongs to someone else
|
|
Web |
|
|
|
| 10/19/2021 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Account information incorrect
|
|
Web |
|
|
|
| 09/21/2021 |
Yes |
- Debt collection
- I do not know
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
|
| 06/27/2021 |
Yes |
- Debt collection
- Private student loan debt
|
- Communication tactics
- Used obscene, profane, or other abusive language
|
|
Web |
|
|
|
| 06/10/2021 |
Yes |
- Debt collection
- I do not know
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
|
| 04/29/2021 |
Yes |
- Debt collection
- Other debt
|
- Threatened to contact someone or share information improperly
- Talked to a third-party about your debt
|
|
Web |
|
|
|
| 04/25/2021 |
Yes |
- Debt collection
- Private student loan debt
|
- Threatened to contact someone or share information improperly
- Talked to a third-party about your debt
|
|
Web |
|
|
|
| 03/26/2021 |
Yes |
- Debt collection
- Private student loan debt
|
- False statements or representation
- Attempted to collect wrong amount
|
|
Web |
|
|
|
| 02/27/2021 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Information belongs to someone else
|
|
Web |
Servicemember |
|
|
| 02/22/2021 |
Yes |
- Debt collection
- Private student loan debt
|
- Written notification about debt
- Didn't receive enough information to verify debt
|
|
Web |
|
|
|
| 01/23/2021 |
Yes |
- Debt collection
- Credit card debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
|
| 01/06/2021 |
Yes |
- Debt collection
- I do not know
|
- Attempts to collect debt not owed
- Debt was paid
|
|
Web |
|
|
|
| 12/29/2020 |
Yes |
- Debt collection
- I do not know
|
- Written notification about debt
- Didn't receive enough information to verify debt
|
|
Web |
|
|
|
| 09/09/2020 |
Yes |
- Debt collection
- Other debt
|
- Written notification about debt
- Didn't receive notice of right to dispute
|
|
Phone |
|
|
|
| 06/19/2020 |
Yes |
- Debt collection
- I do not know
|
- Written notification about debt
- Didn't receive enough information to verify debt
|
|
Fax |
|
|
|
| 06/03/2020 |
Yes |
- Debt collection
- I do not know
|
- Attempts to collect debt not owed
- Debt was result of identity theft
|
|
Web |
|
|
|
| 05/27/2020 |
Yes |
- Debt collection
- I do not know
|
- Took or threatened to take negative or legal action
- Threatened or suggested your credit would be damaged
|
|
Web |
|
|
|
| 02/27/2020 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Information belongs to someone else
|
|
Web |
|
|
|
| 02/12/2020 |
Yes |
- Debt collection
- Private student loan debt
|
- Attempts to collect debt not owed
- Debt was paid
|
|
Web |
|
|
|
| 01/15/2020 |
Yes |
- Debt collection
- I do not know
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
|
| 12/04/2019 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Information belongs to someone else
|
|
Web |
|
|
|
| 11/10/2019 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Information belongs to someone else
|
|
Web |
|
|
|
| 10/29/2019 |
Yes |
- Debt collection
- I do not know
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Phone |
|
|
|
| 04/16/2019 |
Yes |
- Debt collection
- Private student loan debt
|
- Communication tactics
- You told them to stop contacting you, but they keep trying
|
|
Web |
|
|
|
| 03/12/2019 |
Yes |
- Debt collection
- Other debt
|
- Communication tactics
- Frequent or repeated calls
|
|
Web |
|
|
|
| 10/09/2018 |
Yes |
- Debt collection
- I do not know
|
- Communication tactics
- Frequent or repeated calls
|
|
Web |
|
|
|
| 09/05/2018 |
Yes |
- Debt collection
- Other debt
|
- Communication tactics
- You told them to stop contacting you, but they keep trying
|
|
Web |
|
|
|
| 08/24/2018 |
Yes |
- Debt collection
- Private student loan debt
|
- False statements or representation
- Attempted to collect wrong amount
|
|
Web |
|
|
|
| 08/23/2018 |
Yes |
- Debt collection
- Private student loan debt
|
- Threatened to contact someone or share information improperly
- Contacted your employer
|
|
Web |
|
|
|
| 07/12/2018 |
Yes |
- Debt collection
- I do not know
|
- Communication tactics
- You told them to stop contacting you, but they keep trying
|
|
Web |
|
|
|
| 07/11/2018 |
Yes |
- Debt collection
- I do not know
|
- Communication tactics
- Frequent or repeated calls
|
|
Web |
|
|
|
| 05/27/2018 |
Yes |
- Debt collection
- Medical debt
|
- Attempts to collect debt not owed
- Debt was paid
|
|
Web |
Servicemember |
|
|
| 04/26/2018 |
Yes |
- Debt collection
- Medical debt
|
- Communication tactics
- Frequent or repeated calls
|
|
Web |
|
|
|
| 04/10/2018 |
Yes |
- Debt collection
- I do not know
|
- Communication tactics
- You told them to stop contacting you, but they keep trying
|
|
Web |
|
|
|
| 08/14/2017 |
Yes |
- Debt collection
- Other debt
|
- Written notification about debt
- Didn't receive enough information to verify debt
|
|
Web |
|
|
|
| 05/10/2017 |
Yes |
- Debt collection
- Federal student loan debt
|
- Written notification about debt
- Didn't receive notice of right to dispute
|
|
Web |
|
|
|
| 04/24/2017 |
Yes |
- Debt collection
- I do not know
|
- Communication tactics
- Frequent or repeated calls
|
|
Web |
|
|
|
| 03/30/2017 |
Yes |
- Student loan
- Non-federal student loan
|
- Dealing with my lender or servicer
- Don't agree with fees charged
|
|
Web |
|
|
|
| 03/18/2017 |
Yes |
- Debt collection
- I do not know
|
- Cont'd attempts collect debt not owed
- Debt is not mine
|
|
Web |
|
|
|
| 03/15/2017 |
Yes |
- Debt collection
- I do not know
|
- Cont'd attempts collect debt not owed
- Debt is not mine
|
|
Web |
|
|
|
| 03/14/2017 |
Yes |
- Debt collection
- Other (i.e. phone, health club, etc.)
|
- Communication tactics
- Frequent or repeated calls
|
|
Web |
|
|
|
| 02/07/2017 |
Yes |
- Debt collection
- Non-federal student loan
|
- False statements or representation
- Indicated committed crime not paying
|
|
Web |
|
|
|
| 11/29/2016 |
Yes |
- Debt collection
- Other (i.e. phone, health club, etc.)
|
- Communication tactics
- Used obscene/profane/abusive language
|
|
Phone |
|
|
|
| 06/22/2016 |
Yes |
|
- Communication tactics
- Used obscene/profane/abusive language
|
|
Phone |
|
|
|
| 03/28/2016 |
Yes |
- Student loan
- Federal student loan servicing
|
- Dealing with my lender or servicer
- Having problems with customer service
|
|
Web |
|
|
|
| 01/01/2016 |
Yes |
- Debt collection
- Other (i.e. phone, health club, etc.)
|
- Cont'd attempts collect debt not owed
- Debt is not mine
|
|
Web |
|
|
|
| 11/09/2015 |
Yes |
- Debt collection
- Other (i.e. phone, health club, etc.)
|
- False statements or representation
- Attempted to collect wrong amount
|
|
Web |
|
|
|
| 09/23/2015 |
Yes |
- Debt collection
- I do not know
|
- Cont'd attempts collect debt not owed
- Debt is not mine
|
|
Web |
|
|
|
| 09/16/2015 |
Yes |
- Debt collection
- Other (i.e. phone, health club, etc.)
|
- Communication tactics
- Frequent or repeated calls
|
|
Web |
|
|
|
| 07/23/2015 |
Yes |
- Debt collection
- I do not know
|
- Improper contact or sharing of info
- Talked to a third party about my debt
|
|
Web |
|
|
|
| 05/09/2015 |
Yes |
- Debt collection
- Other (i.e. phone, health club, etc.)
|
- Improper contact or sharing of info
- Talked to a third party about my debt
|
|
Web |
|
|
|
| 03/27/2015 |
Yes |
- Debt collection
- Non-federal student loan
|
- Improper contact or sharing of info
- Contacted me after I asked not to
|
|
Web |
|
|
|
| 03/06/2015 |
Yes |
- Debt collection
- Other (i.e. phone, health club, etc.)
|
- False statements or representation
- Indicated committed crime not paying
|
|
Web |
Servicemember |
|
|
| 02/19/2015 |
Yes |
- Debt collection
- Other (i.e. phone, health club, etc.)
|
- Cont'd attempts collect debt not owed
- Debt is not mine
|
|
Web |
|
|
|
| 02/17/2015 |
Yes |
- Student loan
- Non-federal student loan
|
- Dealing with my lender or servicer
- Keep getting calls about my loan
|
|
Web |
|
|
|
| 02/06/2015 |
Yes |
- Debt collection
- Other (i.e. phone, health club, etc.)
|
- Disclosure verification of debt
- Not given enough info to verify debt
|
|
Postal mail |
|
|
|
| 01/28/2015 |
Yes |
- Debt collection
- I do not know
|
- Cont'd attempts collect debt not owed
- Debt resulted from identity theft
|
|
Web |
Servicemember |
|
|
| 01/09/2015 |
Yes |
|
- Cont'd attempts collect debt not owed
- Debt was paid
|
|
Web |
|
|
|
| 09/25/2014 |
Yes |
|
- Cont'd attempts collect debt not owed
- Debt was paid
|
|
Referral |
|
|
|
| 07/30/2014 |
Yes |
- Debt collection
- Non-federal student loan
|
- Improper contact or sharing of info
- Talked to a third party about my debt
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