| 11/18/2021 |
Yes |
- Debt collection
- Auto debt
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- Attempts to collect debt not owed
- Debt was already discharged in bankruptcy and is no longer owed
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Web |
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Today XX/XX/XXXX I received a collection notice from Sonnenschein financial stating that I owe {$230.00} for a red light violation ticket that was issued on XX/XX/XXXX in XXXX XXXX, IL. Ive received a letter like this last year and I called immediately to rectify the situation when I called last year I did not get a response so I left a voicemail for a representative to call me in the voicemail I stated I received a letter and that I had filed chapter XXXX bankruptcy I left my name and contact number and I never got a call back. Later in that week I tried to call the company to check the status because I hadnt heard anything back and no one picked up the phone again. Since I NEVER heard back from Sonnenshein I assumed that this was an error on their part and the issue was corrected. Fast forward to a year or so later and I got yet again another notice in the mail. I had not gotten any other letters about this since that one last year. The letter states in bold I have ignored their previous reminders concerning my indebtedness and this is simply not true this company is ignoring and harassing me. I called today XX/XX/XXXX to get this matter situated and the first of many representatives I spoke to the first being XXXX XXXX was very rude and I knowledgeable about the situation and she hung up on me because she didnt like the fact I was trying to tell her I did not owe a debt and would like to stop receiving correspondence from this company. She was very unprofessional. After XXXX XXXX hung up on me I had to call again and I got XXXX XXXX and I asked him and when I informed him Im trying to get the situation taken care of miraculously the call dropped or he hung up I dont really know. Again I had to call back because by this time no one had taken the bankruptcy information according to XXXX that she needed. So I called again and this person didnt state his name but I explained that I need to submit my bankruptcy information and he transferred me to XXXX XXXX XXXX voicemail I got so I left a voicemail. I called again and finally got XXXX XXXX again and gave her my bankruptcy case number and the district I filed in. After XXXX supposedly took the information down I asked to speak to a XXXX and she said she can transfer me to the supervisor and I said yes I would like that. XXXX proceeds to tell me the supervisor isnt available and I asked to be transferred to his or her voicemail so I can leave a message she said okay and she hung up AGAIN. This whole ordeal is so frustrating and is causing me great XXXX. I filed bankruptcy XXXX years ago so it is not fresh I sent out all correspondence to every collector that I filed bankruptcy so Im not understanding why XXXX years later I am still being harassed! I can not stop crying from this horrible experience.
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| 04/29/2017 |
Yes |
- Debt collection
- Other debt
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- Attempts to collect debt not owed
- Debt was paid
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Web |
Older American |
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I have owned this timeshare with XXXX XXXX XXXX XXXX XXXX XXXX since XXXX . At the time of the purchase the sales reps told me it would increase in value. This, they told me, was a certainty. At the time of purchase the sales reps also told me I would be able to sell it with no problem. The timeshare is now paid for. I have tried to sell it on mor e than one occasion. These attempts have resulted in further monetary loss and no sale. The two big selling points for me have proven to be lies told by the sales reps to make the sale. I am now XXXX years old. I am no longer able to travel and can no longer use this timeshare for a multitude of reasons. Because I can not sell it and the maintenance fees have proven to be a hardship, I want the contract canceled now. XXXX will be able to put this timeshare back in inventory and sell it again. It is to their financial advantage to do so. They will have revenue from the sale, the mortgage, maintenance fees, and other fees that I will not be paying for any longer. I want the paperwork to cancel this timeshare. I have contacted them about relinquishment but they refuse to listen and furthermore state that they do not accept relinquishment. My last letter to XXXX and Sonnenschein Financial was mild and considerate and nice in my elderly-lady way. Sonnenschein Financial is demanding I pay maintenance fees and other fees on this timeshare I have owned for 25 years. I am not paying anybody anything. The timeshare is paid off. It is paid for. I owe no more money on the contract. It is paid in full. There is no past due amount as the note is paid in full. I own this. It is mine. Paid. Off. I am not paying the maintenance fees. I am not paying any fees ever again. I will accept the Mutual Release they spoke about in their last letter with these provisions : 1. I will pay them no money. 2. They will not damage my credit in anyway. 3. I ask for no refund since I have had this timeshare for 25 years.
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| 07/13/2016 |
Yes |
- Debt collection
- Other (i.e. phone, health club, etc.)
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- Disclosure verification of debt
- Not given enough info to verify debt
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Web |
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on XXXX XXXX, 2016 I received the enclosed notice from SONNENCHEIN Collection Agency. In that notice I received no validation of the supposed debt but one photograph with of the supposed traffic violation. At that time I wrote the company the enclosed validation letter via certified letter with return receipt, to which they never replied. Shortly after that date as I was periodically checking my credit report, I saw a collection account for {$400.00} and my stellar credit rating dropped by XXXX points! The next day I called the collection agency and they told me " they are not responsible for the mail they sent out. '' I never received anything from the city of XXXX regarding these fines. What is most important is I never got a chance to have a hearing regarding these fines. Additionally, the pictures taken by this red light camera show I came to a full stop before making a lawful right turn. The city of XXXX has also been sued for practices like this in not allowing drivers to have proper notice or options for a hearing. This red light camera, which is located on XXXX appears to not be properly calibrated. I would like the public to know this company, along with the city of XXXX is exploiting a loophole within the debt collection laws. This company is collecting for the city of XXXX and is calling them " fines '' and not debts. Therefore, they think the Federal Debt Collection Practices do not apply to them.
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| 04/12/2018 |
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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On XX/XX/XXXX I spoke to XXXX XXXX at Sonnenschein Financial. He told me about a red light photo ticket and said he was calling to get it paid.
I asked him for verification of debt. He got very angry and told me he was putting this on my credit report today if I didnt pay. He also told me I would get my VOD in minutes. I also never received a dunning letter.
I never received the verification of debt and through research I found a multi- settlement between states and CRAs regarding these tickets stating that they would not be reported to CRAs any longer. So he lied to me.
Although the FDCPA does not apply to this situation, he broke several provisions and UDAPP violations along the way with harassing and unreasonable requests.
Lastly, when I asked him if these calls were recorded he told me he was done with this conversation and hung up on me.
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| 03/19/2019 |
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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XXXX XXXX of sonnenschein financial services contacted me regarding a outstanding debt for a traffic violation ( red light ticket ). XXXX XXXX stated I must pay the remainder in full or my credit and or driving record would be affected. I spoke wth representatives of this agency and explained in the past that I would have to make payment installments towards the debt, previous representatives where ok with this I made 2x installments already towards the debt. When XXXX XXXX threatened my credit and driving record I told him thats against FDCPA rules and he stated we ( sonnenschein financial services ) are not bound by that. This seems unlawful and concerning being a consumer especially over a redlight camera ticket.
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| 08/13/2018 |
Yes |
- Debt collection
- Other debt
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- Attempts to collect debt not owed
- Debt is not yours
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Web |
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I received a letter from the agency for a redlight ticket I paid in XX/XX/2017. They said the check was cashed but applied to another ticket of mine. I asked for proof of the other ticket because I never got anything from the town. Over the weekend we received a letter and a copy of a ticket for a XXXXXXXX XXXX XXXX from XXXX XXXX Illinois. The letter says here is proof of your other ticket the letter was addressed to me but you can clearly see the ticket isn't mine. When I called to complain XXXX she said they were in there right to mail out the ticket and letter to me for Mr XXXX. I shouldn't have to pay someone elses ticket and it should have never been mailed to me at all
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| 08/22/2016 |
Yes |
- Debt collection
- I do not know
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- Disclosure verification of debt
- Not given enough info to verify debt
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Web |
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Sonnenschein Financial Services reported to my XXXX credit report a {$200.00} from the City of XXXX. This agency claims to now own this debt from the City. They claim that this citation is due to a XXXX violation. The violation was contested and an appeal date was granted and the violation was dismissed. For whatever reason the debt was not dismissed and doubled to {$200.00}. I have made daily attempts at contacting this agency and am always greeted by an automated service. Messages left to their voicemail service go unreturned and considering failed attempts at contact, I am left questioning the legitimacy of this agency and their debt.
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| 02/24/2019 |
Yes |
- Debt collection
- Auto 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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They are claiming I owe money for a ticket on a car and license plates I have never owned. They are contacting me by postal mail. I have called them to stop, they are rude, laugh at me, and continue to insist I pay them.
They are threatening judgment liens against me and to have my driver 's license suspended.
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| 06/16/2021 |
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 |
Older American |
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XXXX XXXX company. Called explaining that I no longer wanted the timeshare and to take it back or work with me on lowering maintenance fee. They were NOT willing to do that. Harassing me and threatening me with credit reporting.
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| 09/19/2021 |
Yes |
- Debt collection
- I do not know
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- Attempts to collect debt not owed
- Debt is not yours
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Web |
Older American |
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company name : XXXX XXXX XXXX # XXXX I do not owe any money to anyone
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| 05/10/2021 |
Yes |
- Debt collection
- Credit card debt
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- Attempts to collect debt not owed
- Debt was result of identity theft
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Web |
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| 02/07/2021 |
Yes |
- Debt collection
- I do not know
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- Written notification about debt
- Didn't receive enough information to verify debt
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Web |
Servicemember |
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| 01/25/2021 |
Yes |
- Debt collection
- Other debt
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- Attempts to collect debt not owed
- Debt was paid
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Web |
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| 04/07/2020 |
Yes |
- Debt collection
- Other debt
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- Written notification about debt
- Didn't receive notice of right to dispute
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Web |
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| 06/11/2019 |
Yes |
- Debt collection
- Other debt
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- Attempts to collect debt not owed
- Debt was paid
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Web |
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| 08/30/2018 |
Yes |
- Debt collection
- Other debt
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- Communication tactics
- You told them to stop contacting you, but they keep trying
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Web |
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| 04/10/2018 |
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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| 01/01/2018 |
Yes |
- Debt collection
- Other debt
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- Communication tactics
- You told them to stop contacting you, but they keep trying
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Web |
Older American |
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| 03/08/2017 |
Yes |
- Debt collection
- I do not know
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- Disclosure verification of debt
- Not given enough info to verify debt
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Postal mail |
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| 03/10/2016 |
Yes |
- Debt collection
- Other (i.e. phone, health club, etc.)
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- Cont'd attempts collect debt not owed
- Debt is not mine
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Web |
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| 03/10/2016 |
Yes |
- Debt collection
- Other (i.e. phone, health club, etc.)
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- Cont'd attempts collect debt not owed
- Debt is not mine
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Web |
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| 02/11/2016 |
Yes |
- Debt collection
- Other (i.e. phone, health club, etc.)
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- Cont'd attempts collect debt not owed
- Debt is not mine
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Web |
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