Southern Oregon Credit Service, Inc. CFPB Complaints

2000 Latest Complaints

Date Received	Timely Response	Product	Issue	State / Zip	Submitted Via	Tags
07/21/2017	Yes	Debt collection Medical debt	Communication tactics Used obscene, profane, or other abusive language	OR XXXXX	Web
These are customer complaints in regards to Southern Oregon credit to verify my complaint is accurate. Please explain how you treated all your debtors like this : 1. Anonymous customer a year ago What a bunch of horrible people! Years of paying faithfully on a debt and it was time to renew I play phone tag with them for weeks, and because no one ever answered the phone I was garnished. I get that debt collectors have a horrible job-but after being a faithful good standing client for so long, and they dropped the ball I get punished. ABSOLUETLY WRONG IN EVERY SENSE OF THE WORD!!! When I called to see if they would drop it and just let me keep paying the woman was SOOOO RUDE! I used to think somewhat highly of them ... now FORGET IT!!!! 2. XXXX XXXX Local Guide1 photo 3 years ago Interesting how when you have proof that your hours have been cut and cut and cut again and are barely getting by and this company goes ahead and files in court AND starts garnishing my wages. Thankfully the company I work for knows the law and only payed them a very small portion of my paycheck. Even the judge must know somethings up with them because they only allowed for 90 days of collections. I understand these are hard times and they are hard nosed but come on. Lets get real. I had a total of 41 hours for two weeks on my check. No groceries for me. 3.XXXX XXXX 2 years ago I Ca n't believe how unfriendly and rude these people are. They took over my account from XXXX XXXX Billing Services and added over {$100.00} in doing so, a transfer fee they say. Certain female reps are worse than the men. I 've tried and tried to work with them but they block me in every way. I 'm willing to pay what I owe but do n't have the means to pay outrageous monthly payments. I 've been threatened with court action more than I can count. 4. XXXX XXXX a year ago I received a phone call from a lady there. Did not disclose any information as to who she was where she calling from letting me know she was sending a letter. Little did I know she was sending a garnishment for something my health insurance would have paid. Very shady company and dosent comply with Oregon State Law 5. XXXX XXXX a year ago these guys are the biggest joke of all time wont take card over the phone but will take a check everyone there is absolutely rude. very disappointing this place is worse than XXXX 6. XXXX XXXX -a year ago I called to PAY-OFF a debt for my fiance and they would n't let me- due to 3rd party privacy! THEY WOULD N'T LET ME GIVE THEM MONEY ... I was n't asking for information or balances- just to pay something off for someone. What a joke! 7. A XXXX User 2 years ago BUSINESSES BEWARE!!! Southern Oregon Credit Service Inc. uses a tactic to take 40 % of accounts they hold by contacting the person with an outstanding account, then immediately filing a legal proceeding against them. This allows Southern Oregon Credit Service to take 40 % of your account balance instead of their initial 30 % for simple collections. They do this even when your previous customer is VERY WILLING to pay their entire outstanding bill. I am in the process of trying to pull ALL of our accounts they hold. They not only treat your former customers horribly, but they actually gouge you for an extra 10 %. XXXX, were not in Kansas anymore! It 's XXXX Oregon and that extra 10 % hurts. 8. XXXX User 3 years ago Both Business and Consumers beware. Southern Oregon Credit Services feel they are above the law and act exactly the same way. They do NOT ask the story behind each debt and simply ask for the amount owing. They charge excessive amounts for their services. 40 % plus another 9 % annual interest on the total amount. When they try to contact the clients they leave a message that does NOT explain who they are or why they are calling. They simply say " call back eg.XXXX on this number ''. No explanation. So the calls to the people owing money sound like cold calls and naturally people ignore them. They of course make even more money when they take those owing money to court. This has to be fraudulent however even with complaints they continue to operate in Oregon. It 's about time we see some policy makers have these companies and more importantly those working there held responsible for their criminal actions. No point closing the company as those working there simply start up operations again. 9. XXXX XXXX 2 months ago We settled a contested claim in X/2016, just to get SOCS off our backs, giving them at least {$3000.00} in claimed penalties on a {$10000.00} bill Case was settled when we gave them all they demanded. Unfortunately we just discovered almost a year later that they continue to report the claim as unpaid. Review of court documents by our attorney confirms that they have not filed settlement and the credit services ( all 3 ) continue to show the claim unpaid..If I could give a negative star I would. And to think I used to use them as my collection service for my business. Shame on me. Tell me how can all these consumers be wrong it is very apparent and obvious of XXXX oregon credits practices. EXPLAIN THIS TO ME, AND YOUR CONSUMERS THERE ARE MANY MORE I WOULD GLADLY SEND THEM OVER TO YOU IF YOU SAY I AM WRONG YOU ARE SAYING EVERYONE OF THESE CONSUMERS ARE WRONG. THE TRUTH MUST COME OUT AND YOUR UNLAWFUL PRACTICES AND TACTICS MUST STOP ONCE AND FOR ALL.
03/03/2021	Yes	Debt collection Private student loan debt	Took or threatened to take negative or legal action Sued you without properly notifying you of lawsuit	OR XXXXX	Web
Southern Oregon XXXX Services garnished my entire state tax return without sending me notice of said garnishment to the address that I filed with for two years in a row. I was not aware this student debt existed, as its over 14 years old. They collected these funds using deceptive and abusive collection practices. Under current state and federal statutes, collectors may not collect on private student debt or federal student debt until the statutes have been lifted ; Note. see statutes and guidance from XXXX. XXXX XXXX, enacted XX/XX/XXXX ; Guidance The division encourages its regulated debt buyers and collection agencies to take active measures to provide help to debtors affected by the outbreak. Regulated entities should : Be willing to accommodate debtors who have stated that they have hardships resulting from the outbreak, such as reduced income, reduced hours, lost employment, or illness. Offer payment accommodations, such as allowing a debtor to defer payments, extending payment due dates, or otherwise adjusting terms of existing payment plans. Waive late payment fees or online payment fees. Waive nonsufficient funds fees or reduce them to match out-of-pocket costs. Temporarily suspend collection activities for debtors who have significant financial or medical hardship. If you suspend activity on one account of a debtor, suspend activity on all accounts of that debtor. Stop collection activity against debtors with no access to assets whose only source of income is an exempt source, such as Social Security. A debtor may decide to pay the debt with economic impact payments from the stimulus funds, but Gov. XXXX XXXX XXXX executive order prevents creditors and debt collectors from garnishing a debtor 's CARES Act recovery rebate payment. The division considers the above measures to be in the public interest. This bulletin applies to debt buyers required to be licensed under ORS XXXX to XXXX and collection agencies required to be registered under ORS XXXX to XXXX. They also did not send ANY documentation to me regarding this debt so I could provide my Attorneys information that filed my bankruptcy two months before this garnishment took place. They also took my refund last year AFTER the statutes went in to place as well. With it being a smaller refund last year I did not notice it was missing from the overal refund. This year I was owed XXXX from my state returns. I claimed XXXX all year so I could receive that " savings ' with my return, that has now been deceptively used to pay this XXXX XXXX XXXX debt. They collected illegally. Oregon law states debt can not be collected after 6 years. SIX. NOT FOURTEEN. I would like this matter investigated and the full amount owed to me returned. I plan on filing a lawsuit with my attorney as well. My attorney is XXXX XXXX XXXX upright LAW. My address is XXXX XXXX XXXX XXXX XXXX OR XXXX My full name is XXXX XXXX XXXX XXXX XX/XX/XXXX Thank you for your time.
07/28/2017	Yes	Debt collection Medical debt	False statements or representation Attempted to collect wrong amount	OR 97504	Web
Hello, I have tried multiple times to send requests for reciepts to be mailed to me along with my remaining balance. Over the past week i have contacted Southern Oregon Credit almost everyday trying to get information on my debt yet they are with holding the information. I have no clue if they are adding to my debt, if the payments are actually going to their purpose, and if they are trying to wrongfully increase my interest. I have nothing for my records from Southern Oregon Credit and have not recieved anything via mail regarding my debt for about 2 months or longer. Im tired of playing these games with this company. It goes to show that all those consumer complaints online are true. I get responses faster on this complaint site than i do from Southern Oregon Credit and they are literally located 10 blocks from my house. I refuse to call or go down there due to the vulgar language, abuse, and collection tactics. I want this to be over, i never want to be affiliated with this company ever again. I plan on taking action so that in the future other consumers will not be forced to deal with this company. I want my information that is being with held! I WANT RECIEPTS FOR XXXX/XXXX/2017, XXXX/XXXX/2017, AND ANY THEREAFTER. i AM BEING GARNISHED SO I HAVE NO OTHER WAY TO KEEP RECORD OF WHAT THIS COMPANY IS TAKING AND THERE SHADY TACTICS. THIS SHOULD BE REPORTED. THERE ARE LAWS BEING BROKEN PER THE STATE OF OREGON. I WILL BE COMING IN FOR THE FINAL PAYMENT TO GET COPIES OF ALL NECESSARY DOCUMENTS SHOWING SOUTHERN OREGON CREDIT HAS BEEN PAID IN FULL ALONG WITH A WITNESS AND RECORDING DEVICE. i have read from previous consumers about how this company will report debt as unpaid to continue garnishment despite being paid in full and i refuse to be your victim. I have copies and records of all my attempts to communticate with this company i also have verbal recordings of your creditors who use alias 's and their threats / vulgar language. Just something to keep in mind. I will keep cobntacting you and keeping record of everything until you facilitate what i am asking for, it 's not much and its the least you company can do for all my hard ships and suffering with the treatment i have recieved.
01/23/2019	Yes	Debt collection Medical debt	Took or threatened to take negative or legal action Threatened or suggested your credit would be damaged	OR 97222	Web	Older American
On Tuesday, XX/XX/XXXX, I received a phone call from XXXX at Southern Oregon Credit Services advising me that I was behind on my payments. She requested that I agree to monthly automatic withdrawal, which I refused to do. However, I did commit to {$100.00} payment immediately ; she took my bank routing number and account number ( as of today, XX/XX/XXXX, that transaction has not been completed ) ; the money was never taken out of my bank account. This payment on my part was done in good faith and there was no indication to think that my relationship with Southern Credit was anything other than on track for future payments. During that conversation I also agreed to an increase to {$60.00} per month payment. I was advised that this increase in monthly payment was mandatory. I have no way of knowing if this is a true and accurate statement, but I agreed to it. The next day I was notified by XXXX XXXX that Southern Credit has reported me to the credit reporting agencies. In good faith, I had agreed to an immediate payment of {$100.00} to bring my account current, as well as monthly payments of {$60.00}. The tactics used by XXXX at Southern Oregon Credit Services were deceitful in that she accepted my {$100.00} without informing me that there was a problem beyond that. It was my understanding through this conversation that my {$100.00} payment would be accepted and my {$60.00} payments would begin immediately. Now that she has added a collections report on my credit standing I am unable to move forward credit-wise for 7-10 years. I believe this was done out of spite because I wouldnt allow Southern Credit to access my bank account on a monthly basis. I made my {$100.00} payment in good faith. I do not feel that Southern Oregon Credit was being forthright in their attempts to collect this debt. I am making an effort to pay off this debt, but am requesting that the negative information on my credit report be deleted. Southern Credit also called me at my place of work stating that this was the last number they had for me ; that is not true ; they have my cell phone number as that is how we have communicated in the past. I would appreciate your assistance with this situation. Thank you.
06/23/2015	Yes	Debt collection Medical	Communication tactics Threatened to take legal action	OR 975XX	Web
I have had XXXX accounts with Southern Oregon Credit Service for a few years now. The debt collectors have now attempted for the XXXX time to garnish my wages. XXXX accounts have been paid off with them. The XXXX times, I called SOCS to make the delinquent accounts right with them. Each time they have worked with me to fix the problem. This XXXX time was different, I will admit that I did not return their call. however I have never returned their phone calls. I send in my payment of XXXX each month. XXXX is the collector I last talked to who told me that they sent back my XX/XX/2015 Check because my account was expired and that I cannot just send in money and expect them to accept it. I told her this is the arrangement that was made with them. She said they refused the check and sent it back to me. I have yet to receive the check. Today XX/XX/2015 I received the garnishment papers as well as a letter from their attorney that was written on XX/XX/2015 but post marked on XX/XX/2015 The letter states that I have XXXX days to dispute the validity of the account. This leaves me with a week to make any arrangements with them. However When I called to make the necessary arrangements, they refused to help me and told me that the garnishment would stay in place. I need to know what I can do to fight this. I feel that even though I did not make contact they are still contradicting themselves. Their attorney is telling me that I can make payment arrangements but XXXX has refused to help me with anything, as well as refused my monthly checks. I have spoken with my bank institute who has confirmed that my XX/XX/2015 check was in fact cashed and processed. Is there anything that I can do to fight this Garnishment? This will be processed as of next week. I can use all the help I can get. Legally isn't their something against refusing payments on accounts?
02/17/2021	Yes	Debt collection Medical debt	Attempts to collect debt not owed Debt was paid	OR 975XX	Web	Servicemember
I am insured thru XXXX. In XXXX XXXX had reported 4 debts to Southern Oregon Credit Services. This was then reported to XXXX and XXXX which I had no knowledge of until last year XXXX. I became a member if XXXX XXXX and had noticed these debts on my report. I disputed all of them I believe 3 times. XXXX did remove the debt from my credit XX/XX/XXXX. XXXX however did not. I contacted Southern Oregon Credit Services and they told me they could not do anything until I speak to XXXX which I did and they also said they could not do anything and that I needed to contact my insurance. On XX/XX/XXXX I contacted XXXX and spoke to XXXX. She had informed me those debts were not owed at all by me as a matter of fact one had been paid and the others had preauthorizations. She put me on hold while she contacted XXXX. She got back on the line to let me know she had been on the line with XXXX. She told me XXXX had researched my account and had admitted they had overlooked everything. She then added XXXX to the call and XXXX informed me they had made a mistake and overlooked the authorizations and payment. She did not apologize however she did say she would contact me later that day after she speaks to Southern Oregon Credit Services. She never called me. On XX/XX/XXXX I contacted her. She informed me all debt is being removed from my credit as we speak. I asked her what kind of compensation I will be receiving considering this was their fault my credit had these negative marks for 3 years on not one but two credit bureaus. She became very rude and told me there will be no compensation and that I should be happy with the results. I then hung up on her. To this day those items still remain on my credit. The amounts are {$1000.00}, {$350.00}, {$220.00}, and {$77.00}. All are XXXX.
07/12/2023	Yes	Debt collection Medical debt	Threatened to contact someone or share information improperly Talked to a third-party about your debt	OR 97501	Web
Southern Oregon Credit Service INC dba Fidelity Collection Service served me a letter on XX/XX/23 with legal action in small claims court to pay two medical bills ( and the company 's fees ) totaling XXXX . After reviewing the notice and speaking with my girlfriend, I found out that this company had mailed a copy of my medical debt, addressed to my girlfriend, at our shared address. She was confused over this because she hadn't accessed any medical care at the places listed in the bill and called the company to clarify. When on the phone with employee- XXXX XXXX , he disclosed the bill was for me not for her, and that it wouldn't hurt her credit. He then tried to clarify if we were married, to which she told him we weren't married ( and still aren't ) and demanded to speak to his manager for disclosing this information to her without us being legal spouses OR my consent. He denied her request and quickly hung up on her. She was extremely upset and felt preyed upon and that the letter was worded to be misleading her on purpose. There is no way they can legally disclose my debt information in paper AND verbally to someone I'm not married to and haven't given consent to them contacting. I want this company held accountable for breaching the Fair Debt Collection Practices Act Section 804.2 Acquistion of location information stating, " Any debt collector communication with any person other than the consumer for the purpose of acquiring location information about the consumer shall -- not state that such consumer owes any debt ;. '' and Section 805.b Communication with third parties, " ... a debt collector may not communicate, in connection with the collection of any debt, with any person other than the consumer... ''
08/23/2023	Yes	Debt collection I do not know	Written notification about debt Didn't receive enough information to verify debt	OR 97501	Web
Debt collector is XXXX XXXXSouthern Oregon Credit Service . Received 1st letter XX/XX/XXXX stating I owed a debt of {$3400.00}. There was no proof I owed this alleged debt, I sent a certified mail debt validation letter to them on XX/XX/XXXX. I asked for Name and Address of Alleged Creditor, Name on File of Alleged Debtor, Alleged Account, Address on File for Alleged Debtor, Amount of alleged debt, Date that this debt became payable, Date of original charge off or delinquency, Was this debt assigned to a debt collector or purchased?, Amount paid if the debt was purchased, Commission for debt collector if collection efforts are successful. Also asked for a copy of the agreement with the client that grants them the authority to collect this alleged debt, and a copy of any signed agreement the debtor has made with the debt collector or other verifiable proof the debtor has a contractual obligation to pay the debt collector. As well as a copy of any agreement that bears the debtors signature, wherein they agreed to pay the creditor. Received another letter from them on XX/XX/XXXX stating the alleged debt and this time there was the first top page of a summary judgement included. This did not include the proof I asked for, so I sent a 2nd certified mail verification letter stating that the collector failed to validate the debt and they need to delete the debt, be removed from the firm file and copies of deletion must be sent to me. I also stated they should not contact me again. I then received a 3rd letter, this time with the first top page of a summary judgement, and also a list of alleged debt written in their office. Still no proof was given and this is now harassment.
04/13/2022	Yes	Debt collection Medical debt	Took or threatened to take negative or legal action Sued you without properly notifying you of lawsuit	OR 975XX	Web
Southern Oregon Credit lied about trying to contact me and my husband by mail and phone. They also lied my husband said he'd pay them XXXX bucks in XX/XX/XXXX and hung up. That is not something my husband does. I got a small claims case against me and my husband last nite and this is the first me and my husband have heard of anyone trying to get ahold of us. They also had the qrong place to send mail so maybe thats where they sent stuff and dont want to admit they sent it to the wrong place. I called today XXXX first thing in the morning to negotiate some payment and They said we have 14 days to pay them almost double of what the medical bills are or we go to court and pay even more fees. They didn't even give me any way to dispute these medical bills as I know for a fact one of them billed our insurance wrong and the other I don't remember going to this place dated from XXXX. Not even a chance to make payments, I have payments with other bills and we make them. Was rude as they had someone come XXXX at XXXX at nite right during dinner time not to mention we just drive back 3 hours from a neurologist for my son. We just went thru a pandemic and everything has gone up so it's hard getting caught up, this place is not empathetic at all. They have a disregard for people struggling. They also have a disposition to call people liers and as a person of God it makes me sick. Not sure who needs to be contacted to clean up this places buisness running tactics and ethics but it sure needs to be done.
06/16/2023	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt was paid	OR 974XX	Web	Older American
I have made a previous complaint regarding the same company, Southern Oregon Credit Service , Inc . The first time I contacted you was on a debt from XXXX. The original debt was a little over {$1000.00}. Because they sat on this debt for 18 years they claim it accrued to over {$5000.00}. I just finished paying this company {$5000.00} and now they are claiming I owe {$700.00}. This amount is also from XXXX. It is my understanding that after 6 years a company can not collect on an old debt yet this company is allowed to repeatedly. I was attempting to file a complaint with the FTC and it redirected me here. I was not pleased with the outcome last time I filed a complaint with your agency against this debt collector. Your advice last time, consult an attorney. I checked into filing bankruptcy and it costs {$1600.00}, money I don't have. I live in an RV and pay {$400.00} for rent, water and electricity. I get social security and work part time yet I am not able to make it due to this company continuously garnishing my wages. I've contacted XXXX XXXX 's office, Attorney General XXXX. This can not continue, I am XXXX XXXX XXXX and I will not work to pay off a debt this company could have contacted me prior to XX/XX/XXXX. This debt has not shown up on any of my credit reports. Laws need to change regarding this issue and debt XXXX should not be allowed to collect a debt that is XXXX XXXX XXXX. Any assistance in this matter will be greatly appreciated Sincerely, XXXX XXXX.
01/22/2022	Yes	Debt collection Other debt	Written notification about debt Didn't receive notice of right to dispute	OR 975XX	Web
1 ) Unknown utility bill XXXX 2012, XXXXXXXX XXXX XXXXXXXX XXXX XXXX Tenant occupied. 2 ) City bills wrong address. City was provided all correct contact information for hook-up, and billing. They choose to bill service address, not billing address, 3 ) County tax records reflect actual billing address, owner on record ( me )! 4 ) City never attempts to correctly bill ( see their record ) 5 ) Sends to collection agency - Southern Oregon Credit 6 ) Southern Oregon Credit NEVER makes an attempt to mail, call or notify of balance. NEVER. Note again - county tax records are accurate - address, phone, etc. 7 ) Southern Oregon uses Oregon Tax Refund to settle a debt, I never knew about, nor was EVER notified of, at ANY TIME. 8 ) Southern Oregon Credit tags on XXXX to a XXXX bill! The MONEY IS NOT THE ISSUE. A business, let alone a CITY should collect accurate information about their customers, and then PROPERLY notify them of an outstanding bill/debt. A collection agency should know FAIR CREDIT PRACTICES- proper notification of outstanding debt providing an opportunity to CONTEST or settle a debt. I WAS GIVEN NO, NOT A SINGLE OPPORTUNITY to address this.
07/31/2017	Yes	Debt collection Medical debt	Communication tactics Used obscene, profane, or other abusive language	OR XXXXX	Web
You balance as of today, XX/XX/XXXX is {$730.00}. I do not understand how my balance is at this amount currently, i have the court appointed paper work that shows the total amount subject to garnishment is : Garnishment amount owed : {$1000.00} garnished paychecks : X/XX/17- amount : {$270.00} X/XX/17-amount : {$310.00} The remaining balance should be : {$410.00}, so why is it currently alot higher? Please note per the state of oregon and court documents it states : Inserting items and amounts not lawfully subject to collection by garnishment may result in liability for wrongful execution. please explain as to why the balance is not reflecting what is being garnished, i want full details on the {$310.00} amount that is being added and for what purpose? I have uploaded documents verifying what i am saying and i have paycheck stubs as well to prove what i am saying is accurate. I need full details since you are refusing to send me a letter showing what my remaining balance is along with verification of the garnishment payments.
03/03/2020	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	OR 97005	Web
Southern Oregon Credit Service is still reporting this faulty and horrendous item on my XXXX credit report. Previously, I sent a written document on XX/XX/2019 and XX/XX/2019 requesting proper validation of this debt from Southern Oregon Credit Service with no response. I then followed up again on XX/XX/2019 with another letter letting Southern Oregon Credit Service know that they are in violation of the FDCPA due to not responding within 30 days, and then I received a response with a random explanation of charges Southern Oregon Credit Service claims that I owe, as well as an address that is not mine. I do not see how this is possible, because XXXX was unable to properly validate this debt, which resulted in TransUnion deleting the erroneous item on XX/XX/2019. I have sent each document via USPS Certified Mail and I have maintained accurate records without error.
11/03/2020	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt is not yours	WA 98387	Web	Servicemember
I have made several attempts to clear this up. XXXX XXXX performed unauthorized services and charged my credit card. There is no written work authorization and across the one they left it is clearly marked " Homeowner declined to sign. '' After filing a dispute with XXXX XXXX and providing proof via written explanation from an independent plumber that service performed charged were fraudulent. I have emails in my possession between XXXX XXXX and myself where the manager agrees that I was overcharged and services provided were unnecessary. she said she would correct them but that was never done. They have charged me for the county inspection which was never done and they were refunded by the county for that as well. I have successfully had the collections removed from XXXX and XXXX but can not seen to get XXXX to do anything.
03/03/2016	Yes	Debt collection Medical	Communication tactics Used obscene/profane/abusive language	OR 975XX	Web
Found an unresolved account on credit report. Called Southern Oregon Credit Services to resolve account in full. Receptionist asked for billing address and transferd call, collection representative began call with no information confirmation. I requested rep verify my personal info to make sure correct account info was being taken. Rep was short and unprofessional, asking me if " I was always this rude on the phone ''. I paid the debt in full, and requested receipt. I requested and email receipt and an email, both options the rep offered. Rep became upset stating I could have one receipt or the other, not both. The representative continued to speak in a demeaning and rude manner. I requested to speak to a supervisor. A supervisor came on the line and again, I was disregarded and treated rude.
05/20/2021	Yes	Debt collection Auto debt	Attempts to collect debt not owed Debt is not yours	OR 975XX	Web
In XXXX of XXXX calls and a court request for debt that was owed. On phone calls I was advised of medical bills then another bill for towing and storage of a XXXX that I have never had or owned. When trying to dispute the towing and storage fees the agent got really disrespectful and said that I just need to produce a bill of sale which I advised I was not able to cause I have never had this car. I am now being garnished for {$2600.00} case # XXXX. I have called and spoke with XXXX in Oregon and was advised that the car was never in my name and was in salvage yard as of XXXX and collection agency is trying to state that the towing and storage occurred in XXXX.
10/26/2022	Yes	Debt collection Other debt	Threatened to contact someone or share information improperly Contacted your employer	WA XXXXX	Web	Servicemember
I called Fidelity collection service and asked to pay my debt in full. I was given the payoff amount and successfully paid in full over the phone with a XXXX About a week later I received a paid-in-full letter. About another week passes and I get a call from Fidelity while I'm on vacation stating they made a mistake and that I actually still owed them {$100.00}. I told them no I did not and that I had paid in full and received the paid-in-full letter that I was on vacation and would take the call another time. Fidelity is now calling and harassing my employer 's customer service line asking to speak to me about their own mistake.
05/02/2016	Yes	Debt collection Medical	Cont'd attempts collect debt not owed Debt is not mine	OR 97526	Web
I took my daughter to the emergency room and gave them proof of insurance. the insurance company entered her birth date wrong and sent me a bill instead of covering the cost from the hospital. The insurance company kept telling me she was not in their system. The hospital sent me to collections. Since than I found out about her birth date being wrong and I just received a letter saying she was covered for that whole year and they corrected her birth date. I called the collection agency and explained all this and asked if I send them the letter would they remove this collection from my credit report and they said no.
06/26/2021	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Account information incorrect	AZ 856XX	Web
I have disputed the account information with these collection companies and credit bureaus. This collection companies is violating the FCRA mandates Inaccurate Information-Errors include incorrect activity dates, account status, ammount owed, past due amount, date of last activity, etc Incomplete Information-Fields are left blank Unverifiable information-There is no contract with these people. My identity has been stolen and I have so many inquiries into my credit report from companies. I have misspellings of my name. This company must STOP reporting this account on my credit report immediately.
01/12/2021	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	TN 37312	Web
On XX/XX/2020, XXXX XXXX XXXX XXXX add a derogatory marks on my credit reports. Upon further research, this account was transferred /sold and I am no longer responsible for it. Debtors creditors did not verify this collection. Also there was no written form of communication, contract or signature for this account debt at all. A bill without signature does not validate the debt and anybody can send a bill and say it is mine. According to the FCRA XXXX XXXX XXXX XXXX has violated my rights as a consumer and I requesting legal action to remove this account immediately.
12/09/2023	Yes	Debt collection Rental debt	Written notification about debt Didn't receive notice of right to dispute	OR 975XX	Web
In XXXX I was going through a bad XXXX and was unable to receive any mail for a debt that this credit company said I owed, they ended up suing me and I didnt even know about it, I contacted the landlord/property management and they refused to give me any info. I couldnt afford a attorney to research it and now 7 years later they are trying to garnish my paycheck for double the amount they were originally suing me for, again I have not received any letter or info before garnishing me
11/17/2018	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	CA 94024	Web
A collection account for XXXX XXXX College, in the amount of XXXX, was showing on my credit report. I contacted the creditor in XX/XX/2017 to ask for proof that this amount was actually attributable to me and I had a legal obligation to pay them. They could not provide this information, so in XX/XX/2017, I demanded that the account be removed from my credit report. It was removed. Now I see the account has again appeared on my account. This is a clear disregard of the FDCPA.
02/11/2020	Yes	Debt collection I do not know	False statements or representation Told you not to respond to a lawsuit they filed against you	OR 97527	Web
Attempting to call and make agreed payment and they would not take the payment claiming they had not received a letter back. They refused to allow payment and it is due tomorrow. They are transferring to voicemail and not returning calls. They told me the letter was not received and now I have to pay additional court fees. The payment is due tomorrow and I want to make the payment but they are attempting to prevent this payment from being made.
05/13/2015	Yes	Debt collection I do not know	Disclosure verification of debt Not disclosed as an attempt to collect	OR 97502	Web
I have recieved numerous calls from an individual who names me and says i need to return his call and that his name is XXXX. The number that came up on my caller id was different then the return call number left. I googled both numbers and found out that it is a collection company. They never said who they represented or what the call was about on the message. Just that i need to call them asap.
04/07/2022	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt is not yours	OR 97502	Web
SOUTHERN OREGON CREDIT SENT ME XXXX COLLECTION LETTERS FOR DIFFERENT DEBTS OWED BY MY EX HUSBAND WHOM I WAS DIVORCED FROM BEFORE HE INCRUED THESE DEBTS- I HAVE NOT BEEN ABLE TO SLEEP AND HAVE BEEN SUFFERING XXXX XXXX XXXX XXXX OF THIS- THEY WILL NOT RETURN MY CALLS OR EVEN DISCUSS THIS WITH ME- HE HAS A JOB - YET THEY ARE THREATENING ME WITH GARNISH AND SMALL CLAIMS
02/27/2020	Yes	Debt collection Medical debt	Written notification about debt Didn't receive enough information to verify debt	OR 97132	Web
There is a negative derogatory mark on my report from Southern Oregon Credit Services that I do not remember. It was opened on XX/XX/2017 at the original amount of {$200.00} and now it's at {$230.00}. I do not recall any of this information as I have also attempted to call the company and I have not received a response and it's been longer than 30 days.
03/08/2017	Yes	Debt collection Medical	False statements or representation Attempted to collect wrong amount	OR 975XX	Web
I recently got divorced from XXXX XXXX XXXX XXXX after 19 years of marriage.. I have documentation stating he was supposed to take all his debt and I was to take mine which was minimal and mostly doctors bills. Please look over all accounts and verify I am not paying any of his debt. As I walked away with the clothes on my back and nothing else.
08/22/2018	Yes	Debt collection Medical debt	False statements or representation Attempted to collect wrong amount	OR 97005	Web
Rep indicated that Medical Debt was not allowed to waive any additional amount due to being a policy of the account holder and not their policy. This is a false statement as they are able to accept discretionary compromises and this was confirmed in a follow up conversation later that day. They even submitted a compromise request for review.
10/14/2019	Yes	Debt collection Medical debt	Written notification about debt Didn't receive notice of right to dispute	OR 972XX	Web
SOUTHERN OREGON CREDIT SERVICES has never informed me of any rights to dispute my debt or even what my debt was related to prior to serving me. I have been unable to verify if the debt is even valid. They use deceptive practices and refuse to identify themselves when calling or when I call them.
05/14/2018	Yes	Debt collection Medical debt	Written notification about debt Didn't receive enough information to verify debt	OR 97501	Web
i received a letter of intent to file a lawsuit by southern oregon credit service. i sent them a letter requesting validation of the debt by certified mail on XX/XX/2018. it was received by them on XX/XX/2018. to date there has been no response or communication from them.
08/22/2019	Yes	Debt collection I do not know	Communication tactics You told them to stop contacting you, but they keep trying	OR 975XX	Web
Contact company via certified mail to cease telephone call and all further contact to be via US mail. Valid mailing address was provided yet they continue to call DAILY. The number they are calling is not my number but a friend 's and they wish the calls to cease.
06/09/2022	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Problem with a credit reporting company's investigation into an existing problem Their investigation did not fix an error on your report	OR 97520	Web
I attempted to pay this debt. The creditor service did not have a record of the debt. It's lost.And a negative remark I was able to have removed from all my other credit reports exept XXXX. Please help me remove.
10/14/2019	Yes	Debt collection Medical debt	Communication tactics Frequent or repeated calls	OR 972XX	Web
SOUTHERN OREGON CREDIT SERVICE repeatedly called me refusing to identity who they were or what the call was regarding. They attempted to collect information from me without first identifying themselves.
11/08/2017	Yes	Debt collection Medical debt	Threatened to contact someone or share information improperly Talked to a third-party about your debt	CA 95843	Web	Servicemember
My sister called in to talked to them without my permission and they never verified she was me or anything and talked to her without my permission. They violated my rights as a consumer
07/19/2016	Yes	Debt collection Medical	False statements or representation Attempted to collect wrong amount	OR 97504	Web
I have a few medical debts that i have been paying on since 2012 and the balance will not go down.
11/15/2023	Yes	Debt collection Medical debt	Written notification about debt Didn't receive notice of right to dispute	OR 97526	Web	Servicemember

10/08/2023	Yes	Debt collection Medical debt	Written notification about debt Didn't receive enough information to verify debt	MD 21214	Web

08/23/2023	Yes	Debt collection Medical debt	Communication tactics Used obscene, profane, or other abusive language	OR 97503	Web

08/17/2023	Yes	Debt collection Medical debt	Attempts to collect debt not owed Debt was paid	OR 97502	Web	Servicemember

07/11/2023	Yes	Debt collection I do not know	Written notification about debt Didn't receive enough information to verify debt	OR 97526	Web

05/03/2023	Yes	Debt collection Medical debt	Attempts to collect debt not owed Debt is not yours	CA 96067	Phone

02/28/2023	Yes	Debt collection Medical debt	Threatened to contact someone or share information improperly Talked to a third-party about your debt	OR 97501	Web	Servicemember

09/21/2022	Yes	Debt collection Medical debt	False statements or representation Attempted to collect wrong amount	OR 97497	Phone	Older American

01/07/2022	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt is not yours	CA 96044	Postal mail

12/13/2021	Yes	Debt collection Medical debt	Attempts to collect debt not owed Debt is not yours	CA 96044	Referral

11/10/2021	Yes	Debt collection I do not know	Written notification about debt Didn't receive enough information to verify debt	AZ 85615	Web

08/30/2021	Yes	Debt collection Credit card debt	Written notification about debt Didn't receive enough information to verify debt	AZ 85615	Web

07/15/2021	Yes	Debt collection Medical debt	Written notification about debt Didn't receive enough information to verify debt	OR 97539	Web	Servicemember

02/19/2021	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	TN 37312	Web

11/20/2020	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	OR 97060	Web

05/19/2020	Yes	Debt collection Medical debt	Attempts to collect debt not owed Debt was paid	OR 97537	Web	Servicemember

02/13/2020	Yes	Debt collection I do not know	False statements or representation Indicated you were committing crime by not paying debt	OR 97401	Web

12/27/2019	Yes	Debt collection I do not know	Written notification about debt Didn't receive enough information to verify debt	OR 97229	Web	Servicemember

11/12/2019	Yes	Debt collection Medical debt	Attempts to collect debt not owed Debt is not yours	OR 97503	Web

11/02/2019	Yes	Debt collection Medical debt	False statements or representation Attempted to collect wrong amount	OR 97213	Web

07/30/2019	Yes	Debt collection Medical debt	Written notification about debt Didn't receive enough information to verify debt	OR 97005	Web

07/17/2019	Yes	Debt collection Medical debt	Written notification about debt Didn't receive notice of right to dispute	OR 97128	Web

07/05/2019	Yes	Debt collection Medical debt	Written notification about debt Didn't receive enough information to verify debt	OR 97502	Web

07/04/2019	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Improper use of your report Reporting company used your report improperly	OR 97415	Web

02/20/2019	Yes	Debt collection Medical debt	Communication tactics You told them to stop contacting you, but they keep trying	OR 97210	Web

06/02/2018	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Old information reappears or never goes away	OR 97496	Web

10/25/2017	Yes	Debt collection Medical debt	Attempts to collect debt not owed Debt was result of identity theft	CA 95843	Web	Servicemember

08/09/2017	Yes	Debt collection Auto debt	Attempts to collect debt not owed Debt is not yours	XXXXX	Web

07/17/2017	Yes	Debt collection I do not know	Communication tactics Used obscene, profane, or other abusive language	OR 97504	Referral

06/27/2017	Yes	Debt collection Medical debt	Took or threatened to take negative or legal action Threatened or suggested your credit would be damaged	OR 97502	Web	Servicemember

04/20/2017	Yes	Credit reporting	Incorrect information on credit report Account status	OR 97540	Web

03/25/2017	Yes	Debt collection Medical	Taking/threatening an illegal action Seized/Attempted to seize property	OR 97005	Web

01/05/2017	Yes	Debt collection Other (i.e. phone, health club, etc.)	Disclosure verification of debt Right to dispute notice not received		Referral

12/19/2016	Yes	Debt collection Auto	Disclosure verification of debt Not given enough info to verify debt	WA 98367	Web	Servicemember

12/19/2016	Yes	Debt collection Auto	Disclosure verification of debt Not given enough info to verify debt	WA 98367	Web	Servicemember

09/02/2016	Yes	Student loan Federal student loan servicing	Dealing with my lender or servicer Need information about my balance/terms	CA 96097	Web

07/07/2016	Yes	Debt collection Other (i.e. phone, health club, etc.)	Cont'd attempts collect debt not owed Debt is not mine	OR 97502	Phone	Older American, Servicemember

07/07/2016	Yes	Debt collection Other (i.e. phone, health club, etc.)	Cont'd attempts collect debt not owed Debt is not mine	OR 97502	Phone	Older American, Servicemember

06/27/2016	Yes	Debt collection Medical	Disclosure verification of debt Not disclosed as an attempt to collect	OR 97520	Web

05/14/2016	Yes	Debt collection Medical	Cont'd attempts collect debt not owed Debt was paid	WI 53714	Web

11/24/2015	Yes	Debt collection Medical	Cont'd attempts collect debt not owed Debt is not mine	OR 97527	Web

02/18/2015	Yes	Debt collection Medical	Communication tactics Frequent or repeated calls	OR 97504	Web

01/25/2015	Yes	Debt collection Medical	Disclosure verification of debt Right to dispute notice not received	OR 97526	Web	Older American

11/09/2013	Yes	Debt collection Medical	Disclosure verification of debt Not given enough info to verify debt	OR 97524	Web

10/29/2013	Yes	Debt collection Medical	Cont'd attempts collect debt not owed Debt is not mine	OR 97501	Postal mail

10/15/2013	Yes	Debt collection Medical	Disclosure verification of debt Not given enough info to verify debt	OR 97520	Web

09/09/2013	Yes	Debt collection Medical	Disclosure verification of debt Not disclosed as an attempt to collect	AZ 85140	Web

08/27/2013	Yes	Debt collection Other (i.e. phone, health club, etc.)	Taking/threatening an illegal action Sued where didn't live/sign for debt	OR 97526	Web

08/08/2013	Yes	Debt collection Medical	Cont'd attempts collect debt not owed Debt is not mine	OR 97520	Web	Servicemember