| 11/03/2016 |
Yes |
- Debt collection
- I do not know
|
- False statements or representation
- Attempted to collect wrong amount
|
|
Web |
Older American |
|
This began when I subscribed to XXXX XXXX internet service.
In my initial contact with XXXX XXXX there representative told me in order for them to supply internet service I would need modem. The rep gave me a precise description of the modem. I found and purchased that exact modem.
However, when the installer arrived to do the install he looked at the modem and said that is the wrong modem and I can not connect your service with that modem. I explained to him that their rep told me to buy that modem and showed him my notes with the reps name and contact information. He said, OH, they do n't know what they 're talking about, and went on to tell me which modem I needed, and I could order it from XXXX which I did. At that point I had over {$250.00} spent on Modems and they made no offer to cover my costs on the wrong modem I had purchased per their reps instruction.
So the installer hooked up the service with the which worked for about 2 months and then it started to go down every few days. About XXXX or XXXX times they were able to get it working again. The next time it went down however they were not able to get it working again. They said that they would need to come out and go inside my house and see what was wrong with my phone lines and that it would be a minimum charge of {$250.00} and could be more, perhaps even {$500.00} or more depending on what they found. I asked them if I paid there fee for coming out and doing what ever they were going to do if they would guarantee that I would then have reliable service. They said they could make no such guarantee. I also explained to them that my phone worked fine. I checked with my phone company to see if there could be something wrong with my phone lines considering the fact that my phone worked fine. The phone company said that would not be the case if my phone was working fine. I called back to XXXX XXXX and told them the phone company said my phone lines were fine and to please restore my service. I made several more calls to XXXX XXXX over the next couple months and continued for that time to pay their bill even though I had no service. On my last call I told them that they were in breach of the contract because they failed to provide the service I had been paying for, and that I would stop paying their bill if they did not restore my service. They said again that my phone lines had to be the problem and they would come out and try to fix the lines for the minimum charge of {$250.00}. I said I was not willing to risk another {$250.00} and perhaps more on the basis of what I had found out from the phone company and that they would not guarantee I would have reliable service even if I paid their additional charges. I told them to cancel the service and to stop billing me because I was not going to pay a bill for non existent service. So I stopped paying the bill because I had no service but they continued to bill me for another 4 months. They then sent me to collections for that additional 4 months of service which I did not get, just as I had not received the last 3 months of service which I had paid for. So the net result is that I paid over {$250.00} for XXXX modems which are useless to me, I paid for XXXX months of service and received less that 3 months service. So altogether I paid {$250.00} for modems, about {$180.00} for XXXX months of service, and I now have a collection on my credit report that is negatively affecting my credit score such that the mortgage I am applying for is going to cost thousands of dollars more due to this collection showing on my credit report for {$120.00}. In reality XXXX actually owes me money.
To make matters even worse the collection appears on my credit report as an XX/XX/XXXX occurrence, when in fact this all took place in XX/XX/XXXX.
The collection agency, at no time has supplied any documentation that this debt is accurate as reported.
|
| 10/30/2017 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
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- Incorrect information on your report
- Information is missing that should be on the report
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|
Web |
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I sent Stellar RECOVERY a dispute to the listed address in my credit file on XXXX/XXXX/XXXX which was delivered and picked up on XXXX/XXXX/XXXX.
I also sent them a second Dispute letter on XXXX/XXXX/XXXX which was delivered on XXXX/XXXX/XXXX but they failed to correspond to both disputes!
Not only did they not respond but they did n't list there XXXX in dispute when both dispute was received.
Stellar Recovery Refuses to ACKNOWLEDGE and Cease and Desist there EXTORTIONATE, Character defaming and libels slanderous Activity. Not only is their activity defaming my character, damaging my ability to obtain credit for personal family or household purposes, but it is also obstructing my ability to do business in Commerce.
They also reporting incomplete and inaccurate information I never lived at the listed address identification number reported by stella recovery, never had no terms or monthly payments was established, No CONTRACTUAL obligations with stella RECOVERY, and account displayed open on other bureaus but closed on XXXX, an alleged payment was made but not deducted from orginal balance, no audit trail of said DEBT MISSING=Reported as of XXXX/XXXX/XXXX dispute status, High balance, Monthly payment, Payment history ( XXXX and XXXX ) Scheduled payment amount ( XXXX ) Date payment received ( XXXX ) Account balance ( XXXX ), Actual amount paid ( XXXX ) MISSING.reported as of XXXX/XXXX/XXXX Monthly payments, High balance, Dispute status, Close date, Payment history ( for XXXX ) INCOMPLETE=reported as of XXXX/XXXX/XXXX Account number, Date of status, First reported, Date opened, Status ( Past due date ) INCOMPLETE=reported as of XXXX/XXXX/XXXX Account #, Payment history INACCURATE=reported as of XXXX/XXXX/XXXX Partial account number, Address identification number, Original creditor, Terms, Orginal amount, Recent balance, Recent Payment, STATUS= ( past due and REMOVAL date ) Payment History, Account History, Account balance, Actual Amount Paid, DATE, INACCURATE=Reported as of XXXX/XXXX/XXXX account number, original creditor, Date open, Account status, Balance, Original balance, Past due amount, terms, Payment history XXXX INCOMPLETE=reported as XXXX/XXXX/XXXX Reported date, Assigned date, Status, Date of first delinquency, Balance INACCURATE=reported as XXXX/XXXX/XXXX Reported, Assigned, Original creditor, Original amoumt, Status, Date if first XXXX, Balance, Account number, Address INACCURATE =reported as XXXX/XXXX/XXXX on ( XXXX om XXXX XXXX XXXX Last repoerted [ see all creditreports ], Original creditor, Status= ( Open ) [ see EX. Credit report XXXX/XXXX/XXXX ] Open date, balance, High balance, contact details MISSING=reported as XXXX/XXXX/XXXX Payment history, Account history, MISSING=reported as XXXX/XXXX/XXXX Close date, remarks ( Not in Dispute ) XXXX INCOMPLETE=reported as of XXXX/XXXX/XXXX accoumt number, REMOVAL date INACCURATE=reported as of XXXX/XXXX/XXXX Account name, Accoumt balance, placed for collection, Accoint type. Balance, Orginal amount, Orginal creditor, Past due, Pay status, remarks ( Not disputed ), REMOVAL date INACCURATE=reported as of XXXX/XXXX/XXXX Orginal creditor, status, Open date, Balance, High balance, remarks ( Not disputed ) MISSING= =reported as of XXXX/XXXX/XXXX payment history Account history, close date, DISPUTE STATUS MISSING=reported as of XXXX/XXXX/XXXX payment history Account history, close date, DISPUTE STATUS
|
| 10/23/2017 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt was paid
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|
Web |
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My name is XXXX XXXX and I am reporting this company business practices and harassments toward me. Since XXXX 2017 their employees were harassing me by calling me 4 to 6 times a day and by following and pursuing me around the city and around my home. The harassments was so unbearable that I conducted some investigations .I found throught XXXX supervisor that the people harassing me where their collection agency ( stellar recovery ) who sent his employees to following me around. They never contacting me by mail but instead they place a device tracker in my car, stolen my driver license and begun harassing over the phone and pursuing me around my home, and my place of work. I have pictues of they employees around my house at my place of work and the device place in my car send them a letter of cease and desist letter by certified mail with return receipt to they address XXXX XXXX XXXX XXXX XXXX XXXX co XXXX they did not responds till now 2 times. later I found that through a reviews this address was a fake address that it do not belong to them. .Under the FDCPA section 805 ( c ) it is my rights to request that stellar cease any contact with me such as waiting for me outside of my home at my place of work or any where else including calling me. because i have the right to remain free from those remedies because they constitute harassment, stalking and etc. this scam clooection agency bought some account from XXXX according to XXXX XXXX XXXX XXXX That they sold they unpaid account to this so collection. I have had issues with XXXX many years ago ( XXXX XXXX ) about their billing. i had a very bad experiences with them till a manager from the billing dept at that time adjust the fees and stupid charges they were charging on those days. before that I called the vice president of XXXX about those issues and he was very nasty over the phone. any way the problem got solve and I paid all m y bills to XXXX. I dont owe any money to XXXX neither to stellar recovery. In my letter I asked them to sent me a copy of any contract or agreement with my signature on it that prove that I have done business with them also to sent me a copy of the contract between them and XXXX which entitle them get any debt from me. They never responds therefore they are not entitle to harass me and collect any debts from me. I have pictures of the licenses plates numbers and cars of stallars recovery employees who were pursuing me around on the highway. they dont care. this is dangerous for my life reason why I am filing this complaints. TheCFPB need to know what this companies do to consumers because they are money hungry Through my investigation i found another address of them were i have sent another cease and desist letter. i hope this is a correct one because they are a scam company here some of people who had the same problems Stellar Recovery & XXXX XXXX XXXX XXXX XXXX, XXXX, CO Write a review XXXX XXXX reviews XXXX XXXX XXXX XXXX photos a month ago They are not at that address. I am fed up with receiving mail for them and returning it stating we have lived at this address for XXXX years, but they are listed as having their office here. How can we remove them from this address?
Thanks for your feedback!
There is a problem. Please try again.
XXXX XXXX XXXX reviewsa month ago Scam collection agency.
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| 05/19/2016 |
Yes |
- Debt collection
- Other (i.e. phone, health club, etc.)
|
- Cont'd attempts collect debt not owed
- Debt is not mine
|
|
Web |
|
|
XXXX was ordered to close my account effective XXXX 2015 as the property that the account was associated with was being vacated at that time. On XXXX 2015, I was contacted by XXXX and they said that the account was past due and to bring the account to XXXX, I must pay the total amount due of approximately {$420.00} immediately. I paid the amount in full over the phone using my bank account. I had no idea it was that past due and wanted to resolve the issue immediately. I confirmed with both a XXXX Representative and a XXXX tech who picked up the TV boxes that all accounts were resolved and all equipment had been returned. The account was turned off and all was done. Six months later, I was notified by several daily phones calls that my account with XXXX had been sent to a collection agency attempting to collect a past due amount of {$190.00} which was applicable to the XXXX activity. I called them several times to explain that not only had the account been paid in full in XXXX that prior year but there was no active service in my name during XXXX 2015 as the account was shut off effective two months prior. Additionally, the monthly service amount did n't even equal {$190.00} as I only had two TV 's on basic cable so the amount did n't make sense either. I have made endless attempts to contact both the collection agency and XXXX requesting back up for these charges. I refuse to pay this amount as I am worried that no matter what amounts is paid, they will come back at a later date telling me I still owe more money. This account is and has been a nightmare. During service they constantly were charging me amounts that did not reflect the contracted/advertised amounts and now, after paying the account in full and returning all equipment, I still continue to accrue services charges. I have requested from XXXX, IN WRITING, full support of these charges. They will not provide this to me and refuse to resolve this issue. They simply state that I owe the money and need to pay it immediately. They also continue to tell me that I also have to resolve the issue with the collection agency who has damaged my credit score by over XXXX points. A credit score I have protected and maintained at a high level my entire life. This companies accounting systems have failed and I do n't believe I should have to continue to pay amounts that they arbitrarily assign to my account which should have been shut down and was confirmed as shut down over 6 months ago. I fear this company will continue this fraudulent attempt to collect a debt that simply is erroneous. I have paid them in full and I am seeking some assistance from the government to help me stop them from not only further damaging my credit score but to stop trying to collect an amount that is not mine. Any assistance you can give me, including a request for them to give detailed accountability on my account activity proving that this charge was incurred prior to the shut off of this account effective XXXX, 2015. If it was incurred, after that date, it is simply not owed by me. It is their accounting error that they must resolve in house. They will not respond to my request to provide the support for the charges.
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| 03/18/2017 |
Yes |
- Debt collection
- Other (i.e. phone, health club, etc.)
|
- Cont'd attempts collect debt not owed
- Debt is not mine
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|
Web |
|
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I got XXXX in approximately XX/XX/XXXX/XX/XX/XXXX for the home of my elderly mother and XXXX sister. It was a two year contract. My mother died the following XX/XX/XXXX. My sister had to go to a XXXX the following XX/XX/XXXX. I called XXXX and asked if I could therefore be released from the contract. They said that since it was in my name ( I did not live at the house ) that I had to honor the contract, even though no one was living there. I honored the contract and paid monthly until it was finished. Before it was up, I called to cancel it. I was told I had a {$0.00} balance and that they would send a shipping box to me so I could return the box ( receiver, whatever it 's called ). I never received the box and called back. They had sent it to the wrong address -- one I had never heard of. Then they sent it to the proper address and the box was shipped to them. I later received a bill for {$16.00}. I called and talked to several people and said I did not owe it and thought the matter was settled. Then I received a COLLECTIONS notice from Stellar Recovery, Inc. I wrote on the statement in black magic marker that I did not owe XXXX. I never heard from Stellar Recovery again and assumed the matter was closed ... .I recently looked at a copy of my XXXX credit report, as my credit score had plummeted from nearly XXXX to XXXX. I see on the report that Stellar Recovery reported me for owing XXXX {$16.00} ( with a notation that it was originally {$17.00}? I never heard of the {$17.00}! ). I want this charge to be completely removed from my report, and I want Stellar and XXXX investigated. It would be very nice if I could get a refund for the last year, after my mother died and my sister went to the XXXX, but that is n't my main complaint ; I want the {$16.00} TOTALLY removed from all credit files ... I realize that many dishonest people take advantage of utility, cable and phone companies, but I was being honest and attempting to do everything correctly. I see now that I should have contacted you concerning XXXX refusing to release me from the contract after the death and move to the XXXX in XX/XX/XXXX. And Stellar did NOT contact me in any form or fashion after I sent the dispute to them saying I did not owe the money. If you can not get this off of my credit file, I would like to know what legal resources are available to me to sue them. I am NOT going to live with destroying my credit for the next six+ years. I would probably have paid the {$16.00} they said I owed if I had known the matter had not been corrected and it was going to go against me. All of phone/cable/satellite companies apear to take advantage of those who try to be honest, as I previously had a battle with XXXX continuing to charge me after I had cancelled my service and have recently had to battle XXXX over charging me for internet service for five months after I moved and it was cancelled when I moved out-of-state ( resulting in having to spend four hours on the phone, speaking to 15 different people ). These companies seem to think they can charge whatever they want, and they make it nearly impossible to get the issues solved.
|
| 08/22/2017 |
Yes |
- Debt collection
- Other debt
|
- False statements or representation
- Attempted to collect wrong amount
|
|
Web |
|
|
I had an item appear on my credit report in XX/XX/XXXX for Stellar Recovery # XXXX XXXX XXXX XXXX XXXX, XXXX, FL XXXX ) XXXX ; the amount is {$150.00}. I talked to Stellar XX/XX/XXXX and they told me the item was from XXXX XXXX. I called XXXX and disputed the item because it was for a modem for internet services that I never used and had returned to XXXX XXXX in XXXX. I was supposed to get XXXX XXXX and XXXX XXXX as a bundle ( price ) for TV and internet services. When they came to install the XXXX XXXX, I was told they could not install it at the apartment I was in due to the fact that my apartment was facing the wrong direction. I never received a bill from XXXX XXXX. I received a modem in the mail from XXXX XXXX for internet services. I called XXXX XXXX and told them that I needed to return the modem because I could not use the XXXX XXXX and XXXX XXXX sent me a return label. I returned there modem to them. I disputed this item with XXXX, which is where I originally saw this debt from my free annual credit report. The item from XXXX was removed from my XXXX report # XXXX. I then realized that I needed to also call XXXX and XXXX to have the same item removed a couple weeks later. Therefor I called and made disputes for the same item with both of them on XX/XX/XXXX, stating that the item was removed from XXXX. They both proceeded to dispute with XXXX XXXX on my behalf. I received information from both companies in XXXX XXXX that the item would not be removed from their reports. Attached copies from XXXX & XXXX ; XXXX emailed me a response and I lost the email. I contacted XXXX XXXX on XX/XX/XXXX and was transferred approximately 6 - 7 times to different departments and remained on hold for 1 1/2 hours. I was told they removed the item and that they would mail me documentation with 5 - 10 business days stating it had been removed so that I could forward it to XXXX and XXXX and/or Stellar. I applied for pre-approval on a mortgage loan on XX/XX/XXXX. I received information from the mortgage company that those items still appeared on XXXX and XXXX. I called XXXX XXXX back on XX/XX/XXXX to see why the item appeared on my report still, I remained on hold for 30 minutes and was transferred again. I was told that there was not even a note in the file that I had originally called XXXX XXXX to begin with. The gentleman stated that I needed a confirmation # or something stating that I had spoken to them. I was never told this at the time I talked to XXXX XXXX on XX/XX/XXXX. I never used there services and I returned there modem, they confirmed that with me on XX/XX/XXXX. Although they never made notes supposedly, and I am stuck with a bad item on my credit for no reason. It is no longer on my XXXX report as of this date XX/XX/XXXX. I have attempted to correct this situation with all of my efforts to the extent that I can. I called Stellar back onXX/XX/XXXX and they told me it would take 30 -45 days to get any documentation from XXXX XXXX. Please help me to correct this. Thank you, XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, AZ XXXX ( XXXX ) XXXX
|
| 06/15/2017 |
Yes |
- Debt collection
- Other debt
|
- Communication tactics
- You told them to stop contacting you, but they keep trying
|
|
Web |
|
|
On both XX/XX/XXXX & XX/XX/XXXX I was contacted by your office, which appeared on my called ID as XXXX, KS on XX/XX/XXXX, when I answered there was no body there. The call was placed on my cell-phone and a number of XXXX appeared. When I called, no one answered. I was again contacted on XX/XX/XXXX with the caller id showing XXXX, KS again I answered and no response. This time it showed a number of XXXX, which I called back and spoke with XXXX XXXX who identified himself as a collector for Stellar Recovery in an attempt to make a demand on a debt to XXXX XXXX from XX/XX/XXXX. When I advised XXXX XXXX this account was past the statute of limitations he said No it certainly is not. Before I progress with the rest of the facts, let me state under Kansas States Annotated 60-511 A creditor must bring an action-based on a contract that is expressed or implied but not in writing, an oral contract within three years. As there was never any written contract for service this was in-fact a time bared account. This act of collecting on a time barred account in its own is in violation of 15 USC 1692e subsections 807 ( 2 ) ( A ), as the legal status of the account is time barred to which XXXX XXXX disagreed with, keep in mind, his answer must be truthful under the FDCPA. I was then transferred to a supervisor XXXX XXXX and asked why my caller ID just shows XXXX, KS to which she stated We use an auto-dialer ). This is in violation of two laws. First, the TCPA that The FCC has determined that debt collection calls are not telemarketing calls. Therefore, under the rule the FCC has stated that with respect to autodialed or prerecorded debt collection calls, to the extent that they do not contain telemarketing messages, would not require any consent when made to residential wire line consumers, but require either prior written or oral consent if made to a consumers wireless number referring to 47 C.F.R. 64.1200 ( a ) ( 1 ). At no point, did I ever consent to my personal cell-phone number to be called. Additionally, the way your caller ID shows is XXXX, KS, but it is not just the name that I argue is a violation of law, it is the fact that the phone number that appears is a XXXX, KS number, when your office is clearly in Florida. Such action constitutes a violation of the 15 U.S. Code Section 1692f ( 5 ) Causing charges to be made to any person for communication by concealment of the true purpose of the communication. Obviously I have the right to determine what calls to accept and what ones not to answer. By concealing the true caller on the caller ID, your office has engaged in deceptive practices and as XXXX XXXX admits this is an auto-dialer, I am wiling to bet I am not the only consumer for whom your office has done this to. Additionally, I was never given the opportunity to dispute the bill.
|
| 06/02/2018 |
No |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Information belongs to someone else
|
|
Web |
|
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I've been trying for almost 4 years to make XXXX remove multiple accounts dating back to XX/XX/XXXX that were opened fraudulently by someone who stole my identity. I made my first disputes on these account on or about XX/XX/XXXX with XXXX AND XXXX AS WELL AS XXXX. I MADE THEM AWARE THAT I HAD NO KNOWLEDGE OF THESE ACCOUNTS AND XXXX AND XXXX BOTH INVESTIGATED AND FOUND THE ACCOUNTS TO BE EXACTLY WHAT I SAID THEY WERE AND THAT WAS FRAUDULENT AND BOTH XXXX AND XXXX REMOVED ALL ACCOUNTS FROM MY REPORTS ON OR ABOUT XX/XX/XXXX. I HAVE PLEADED WITH XXXX TO REMOVE THE FRAUDULENT ACCOUNTS SINCE THEN AND THEY DID INFACT REMOVE ALL 6 FRAUDULENT ACCOUNTS ON OR ABOUT XX/XX/XXXX. SO I SUBMITTED AN APPLICATION WITH XXXX XXXX TO SEE ABOUT PRE-QUALIFICATION FOR A HOME PURCHASE ON XX/XX/XXXX AND TO MY SHOCK I RECIEVED A EMAIL FROM XXXX XXXX ON XX/XX/XXXX STATING THAT I COULD NOT BE PREQUALIFIED DO TO THE CREDIT REPORTS THEY HAD OBTAINED SHOWING THAT XXXX HAD PLACED THE FRAUDULENT ACCOUNTS ALL 6 OF THE PREVIOUS ONES THEY HAD UPON INVESTIGATION REMOVED IN XX/XX/XXXX. SO I SUBMITTED PROOF TO XXXX XXXX IN XXXX TEXAS SHOWING THOSE ACCOUNTS HAD IN FACT BEEN REMOVED AND THEN I CONTACTED XXXX AND ASKED THEM WHY THOSE ACCOUNTS WERE PLACED BACK ONTO MY CREDIT REPORT ON XX/XX/XXXX AND THEY REFUSE TO PROVIDE ME WITH THE ANSWER. I HAVE AGAIN PULLED XXXX, XXXX AND XXXX IN DEPTH REPORTS AND XXXX IS CLEAR WITH NO ACCOUNTS IN COLLECTIONS AND XXXX SHOWS I HAVE NO ACCOUNTS IN COLLECTIONS BUT XXXX DOES IN FACT SHOW ALL 6 PREVIOUSLY REMOVED FRAUDULENT ACCOUNT WERE PLACED BACK ON MY REPORT AND IVE AGAIN ATTEMPTED TO MAKE CONTACT WITH XXXX AND AGAIN DISPUTED THOSE SAME FRAUDULENT ACCOUNTS ONLY TO CONTINUE TO GO IGNORED. IM AT A TOTAL LOSE AS TO HOW THIS IS EVEN POOSIBLE OR LEGAL TO BE HAPPENING TO ME. IM A GRANDMOTHER STRUGGLING HARD TO TAKE BACK MY IDENTITY AND RESTORE MY CREDIT IN ORDER TO PURCHASE A HOME SO THE XXXX GRANDSONS IM RAISING WILL NEVER HAVE TO WORRY ABOUT NOT HAVING STABILITY IN THEIR LIVES WHEN IM NO LONGER ALIVE. IM TRYING TO INSURE THAT THESE BOYS WILL ALWAYS HAVE A HOME EVEN AFTER IM GONE. NOW TO BE DONE LIKE THIS IS SO WRONG AND ILLEGAL. ITS CAUSED ME MENTAL ANGUISH AND SEVERE STRESS WHERE IM NOT EVEN ABLE TO SLEEP SINCE I FOUND OUT ABOUT THIS ... .PLEASE HELP ME I DONT KNOW WHERE ELSE TO TURN TO GET THIS CORRECTED.
|
| 08/17/2015 |
Yes |
- Debt collection
- Other (i.e. phone, health club, etc.)
|
- Cont'd attempts collect debt not owed
- Debt is not mine
|
|
Web |
Older American |
|
I had accounts with XXXX, XXXX XXXX XXXX and XXXX XXXX XXXX who all were hacked and had information stolen. XXXX XXXX XXXX gave me an Identify Theft Protection subscription from XXXX. I was notified by them that negative information was put on my records with the credit agencies. I checked it out and found that a collection company name Stellar Recovery had put on my records with the credit reporting companies that I was in collections. This was the first that I knew about this. I called Stellar Recovery and according to them, XXXX on XXXX of 2015 assigned them an account to collect in my name. Stellar Recovery told me that the XXXX Account number was XXXX and they told me that this account was for XXXX XXXX XXXX in XXXX. I told Stellar Recovery that I am XXXX years old, never been in XXXX and lived my whole life in Washington State. I further told them that I am, I am a XXXX when this took place. I shared that I have XXXX when this happened and not in XXXX. They told me that they would close out the account but that I had to contact XXXX. Then next day I found that on my records with the credit agencies that they had changed that I was in collections to that I owed money. I called them again and they said that I would have to contact XXXX. I called XXXX and they told me that I needed to fill out an Identify Theft Victim 's Complaint and Affidavit form ( from the FTC ) and then fax it ( along with any proof ) to them at XXXX. I tried to fax the Identify Theft Victim 's Complaint and Affidavit along with proof to them XXXX times ( XXXX different days ) and the fax number did not work. I called and asked XXXX to tell me the correct number and they could only give me the fax number that does not work. As a result I mailed them everything and I still have not heard from them and my credit is being hurt because of them. The proof I sent was a notarized letter from my XXXX in Washington State and notorized records showing that I was at XXXX in XXXX, XXXX and XXXX of 2015 and not in XXXX. If you contact me and give me a fax number I will fax you the proof I mailed to XXXX which was a notarized letter from my XXXX Washington State and notorized records showing that I was at XXXX in XXXX, XXXX and XXXX of 2015 and not in XXXX. My cell phone number is XXXX. Please help me. Thank you and have a great day.
|
| 04/19/2016 |
Yes |
- Debt collection
- Other (i.e. phone, health club, etc.)
|
- Cont'd attempts collect debt not owed
- Debt is not mine
|
|
Web |
|
|
On the date of XXXX XXXX, 2016, I filed a complaint against Stellar Recovery, case number, XXXX, for reporting to my credit reports I owed a debt which I did not owe.
Stellar Recovery responded to my complaint by advising the CFPB they [ Stellar Recovery ] were removing the account from my credit reports.
As of the date of this second complaint Stellar Recovery has refused to honor its promise to the CFPB and is still reporting to my XXXX credit report I owe a debt which I do not owe and an account that Stellar Recovery promised the CFPB and me they were removing from my credit report.
I sent three letters to Stellar Recovery demanding the removal of their negative reporting. All letters were ignored.
I the emailed the chief complaint officer for Stellar Recovery demanding removal of the account and even attached to my demand a federal lawsuit I would file if Stellar Recovery continued to violate the law and its promise to the CFPB.
Stellar Recovery ignored my emails and as of the date of this complaint continues to report to my credit in a negative manner, violations of the FCRA and the FDCPA.
I have now been forced to retain an attorney and a federal Complaint has been filed on XXXX XXXX, 2016, case number XXXX, XXXX XXXX of Arkansas.
However, even after the filing of a federal lawsuit against Stellar Recovery, they still refuse to remove the negative and illegal reporting from my XXXX credit report. As the CFPB is well aware, a universal data form being faxed to a credit bureau will have the account removed in less than 24 hours.
Stellar Recovery has lied to and thumbed its nose to the CFPB, even though it is facing a federal lawsuit. If the power and authority of the CFPB does not find this case worthy of using its authority to regulate this collection agency, then I am not sure what kind of case would be ripe?
I am bringing this agency to justice on the civil side, and the CFPB should use its authority to send a message that conduct such as that of Stellar Recovery will not be permitted against consumers and against the CFPB.
It is worth noting again that Stellar Recovery failed to respond to ALL communications to them to further discuss this matter and work with the consumer to resolve this issue.
Thank You
|
| 05/02/2016 |
Yes |
- Debt collection
- Other (i.e. phone, health club, etc.)
|
- Disclosure verification of debt
- Right to dispute notice not received
|
|
Web |
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I was turned over to Stellar Recovery , Inc by XXXX in XXXX XXXX for a debt of {$56.00} I was unaware of from XXXX XXXX ( showed up on my CreditKarma account name of company and amount ). Nothing in writing from Stellar. Finally received copy of final bill from XXXX after making 3 requests. Called Stellar and complained about not being notified of the debt in writing - was told by XXXX " we do n't have to notify you in writing. '' Spoke with her supervisor XXXX XXXX who said they did n't have my phone number ( I told XXXX XXXX I 've had my same phone number for 6 years XXXX had that phone number ) to call me which is why I was n't notified, however, she did have my new address, I asked why was n't I notified in writing she could n't answer. I told XXXX XXXX collection agencies are required by law to notify a consumer in writing giving them 30 days to respond by dispute or paying the balance. If a consumer does n't respond, they can proceed with collection procedures up to and including adding info to your credit report. Stellar did n't do anything but add my unpaid balance to my credit file and my score dropped XXXX points as a result. All XXXX XXXX said was, " I 'm sorry this happened to you I can tell you are someone who pays her bills. '' Not to mention this will stay on my credit for 3 to 7 years. Also, XXXX XXXX said I will have to call them back in 30 days to request a payoff letter as they will not send out a confirmation of payment automatically. Wanted my permission to call me on the phone just in case they needed to tell me something - I asked what they would need to talk to me about - I agreed to allow them to contact me by email first preference or by US mail and she argued once I refused to allow them to call me she then asked for my email. I declared my dissatisfaction of their bad business practices and told XXXX XXXX I would be filing a complaint with the FTC. Of the XXXX complaints I doubt mine will be addressed, however, I formally request immediate confirmation of payment made to Stellar Recovery and the collection be taken completely off my credit report.
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| 01/20/2017 |
Yes |
- Debt collection
- I do not know
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- Cont'd attempts collect debt not owed
- Debt is not mine
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Web |
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My XXXX son has a not so new cell phone. Apparently the person who previously had that cell phone number owes money to someone. Today, a third debt collector called my son 's phone in an attempt to collect the prior person 's debt. We have informed both prior debt collectors that the phone number they were calling is that of a minor. While that may have stopped that debt collector, that had not stopped debt collections directed at my son, who is not the debtor, and who it is illegal for the debt collectors to call.
The issue that I think the CFPB needs to address is how to stop this marry-go-round of illegal activity. There does not appear to be any duty of the debt collector to report to the creditor that the phone number associated with the account is bad. Likewise, there is nothing to prevent the creditor from asking a new debt collector from making an improper phone call to a minor to collect a debt the minor does not owe.
In addition, as with happened with prior debt collectors calling my son, it is not so easy to get them to stop. When I told the agent that they had called the wrong person and had called a minor 's cell phone, she told me that they would take his number out of their system within two or three days. When I objected, I was connected to a supervisor who agreed to stop them from calling that number immediately.
I then asked the supervisor to please send a letter of apology to my son. My thought is that after someone violates a federal law, the least they could do is appologize. The manager said he would say he was sorry on the phone to my son, but he refused to send a letter of applogy.
One last thing, we live in XXXX, which requires that debt collectors have a special business license. While this debt collector claims to be located in XXXX, they used a XXXX telephone number to contact my son, and appear to be transacting business in XXXX. The supervisor informed me that his company does not hold the appropriate XXXX business license. As such, It think they should also be reprimanded for doing business in areas they are not licensed to act.
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| 02/02/2017 |
Yes |
- Debt collection
- Other (i.e. phone, health club, etc.)
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- Cont'd attempts collect debt not owed
- Debt was paid
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Web |
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I have submitted a separate complaint on XXXX and its 3rd party collection agencies ( CFPB case # XXXX ) for their mishandling of previous disputes I have made to them and/or their 3rd party agencies. I dispute the amount owed of {$130.00} and have since they attempted to collect it. I have been assured by XXXX and/or their various agencies on several different occasions that the debt would be cleared and they would remove it from my credit bureau. Initially about XXXX years ago, I submitted a dispute to the credit bureaus disputing this alleged debt. It was subsequently deleted either due to no response from the collection agency it was assigned to or they could not verify the debt. Since then it has been re-reported by XXXX different collection agencies with the most recent reporting coming from Stellar Recovery. Prior to Stellar, I have disputed this debt with the collection agencies, XXXX XXXX XXXX ( XXXX ) and XXXX XXXX. They both agreed to remove this alleged debt from my credit bureau and acknowledged my dispute. What appears to be occurring is that these agencies are canceling the placement and sending the account back to XXXX. These agencies are either not communicating my dispute to XXXX or XXXX is ignoring the communication. Once XXXX receives the account back from the agency, they are then placing it with yet another collection agency who then reports it to my credit bureau ( despite this account initially being disputed through the XXXX major credit bureaus where it was subsequently deleted ). It has since been re-reported 3 different times. At this time, Stellar Recovery needs to promptly remove/delete this reporting from my credit bureau and then XXXX needs to ensure they clear this disputed debt as it is not valid. XXXX then needs to take responsible action to ensure this is never assigned to a collection agency and is never reported to the credit bureaus again. XXXX can not and has not provided any concrete proof that this is a valid debt, because it is not.
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| 10/11/2016 |
Yes |
- Debt collection
- Other (i.e. phone, health club, etc.)
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- Cont'd attempts collect debt not owed
- Debt resulted from identity theft
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Web |
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STELLAR RECOVERY INC ACCOUNT NUMBERs : XXXX OR XXXX XXXX/XXXX/XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, MT XXXX Phone : ( XXXX ) XXXX ATTENTION TO DISPUTE DEPARTMENT : Dear Sir or Madam : I am a victim of identity theft. An identity thief used my personal information without my permission to open an account several account in my name this debt is not mine. I have enclosed proof of my identity and a copy of my Identity Theft Report. In accordance with the Fair Debt Collection Practices Act, I am asking you to stop collection proceedings against me and stop communicating with me about this debt, except as the Fair Credit Reporting Act allows. I also ask that you STELLAR RECOVERY INC or any company associate with this account # XXXX OR XXXX and tell them the debt is the result of identity theft. I have enclosed a copy of the Federal Trade Commission 's police report Notice to Furnishers of Information. It explains your responsibilities under the Fair Credit Reporting Act ( FCRA ). The FCRA requires that debt collectors give an identity theft victim documents related to an account if the victim asks. Please send me copies of all records relating to the account, including : date account open all sign original contract including : Account applications made on paper, online, or by telephone Account statements or invoices Records of payment or charge slips Delivery addresses associated with the account Records of phone numbers used to activate or access the account Signatures on applications and accounts Investigators report Please send me a letter explaining what you have done to : STELLAR RECOVERY INC or any company associate with this account that the debt is the result of identity theft Stop collection proceedings against me Stop reporting information about the debt to credit reporting companies Provide me with the records I request Thank you for your cooperation.
Sincerely, XXXX, XXXX XXXX SOC SEC # XXXX DOB XXXX/XXXX/XXXX ADDRESS XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, FL XXXX
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| 07/30/2015 |
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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I looked at my credit report last week and noticed that XXXX had reported that I had an outstanding bill of {$250.00}. I challenged the validity of the bill, especially since I had not been with XXXX for since last XXXX XXXX 2014 XXXX and I had not received any bills stating that I owed any money since I switched XXXX. In addition, I stated to her that during the last conversation I had with a XXXX Representative, I understood that I did not owe any money. Anyway, I explained to her that the only mail I ever received from XXXX was mail soliciting my services with offers of gift cards as incentives. I could not understand why they 'd want to have me as a customer if I had an outstanding balance. I however asked the Agent to send me a statement verifying this outstanding amount. Yesterday, when I got home from work I received a large envelope from XXXX with a bill for {$110.00}. Amazingly, the balance was lowered and I was given a date of XXXX to pay this amount. I still have'nt reviewed it for accuracy because I was tired and went to bed. This morning, I received a call from XXXX XXXX, who stated that he was from Stellar Recovery and he was calling about an outstanding debt of {$250.00} from XXXX. He demanded from me when I was going to pay this amount. I explained to him what transpired with the XXXX Representative last week, but he was unwilling to listen to my explanation. The manner and tone with which he spoke was very rude and disrespectful. He continued to ask me when I would pay the {$250.00}, even though I told him I would not make any payments until I had reviewed the statement I received from XXXX and I added that in any case I would deal with XXXX on resolving he matter. He kept on demanding I make a payment today. Eventually, I disconnected the call and I blocked the number XXXX XXXX XXXX XXXX. I just recovered XXXX and I can not deal with XXXX being harassed and threatened, especially when I tried to explain the situation and the XXXX XXXX refused to listen.
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| 01/26/2017 |
Yes |
- Debt collection
- I do not know
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- Cont'd attempts collect debt not owed
- Debt resulted from identity theft
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Web |
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Re : STELLAR RECOVERY, INC ( Collection company ) refused to Verify and Validate of Purported Debt pursuant the Fair Debt Collection Practices Act ( " FDCPA '' ), as stated in XXXX XXXX XXXX, for partial Account Number : XXXX, - hereinafter referred to as " Account. '' Dear Sir or Madam : On XXXX 2016 I found out from my credit report that STELLAR RECOVERY, INC ( " STELLAR '' ) Address : STELLAR RECOVERY, INC, XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, MT XXXX put a collection in my Credit report. On XXXX XXXX 2016 I sent XXXX letters to the STELLAR RECOVERY, INC ( " STELLAR '' ) Address : STELLAR RECOVERY, INC, XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, MT XXXX with attention to Dispute Department, to XXXX XXXX and to XXXX XXXX via XXXX XXXX Mail ( enclosed ), but all above people are refused to provide me with the copies of the requested letters which they should sent me before STELLAR file a collection with the XXXX and XXXX ( " credit bureaus '' ). Also, in XXXX STELLAR verified above account with the above credit bureaus.
On my first request of verification ( enclosed ), I requested from the STELLAR to provide me with all copies of letters which STELLAR should sent me before they file/put negative marks on my credit reports with the XXXX and XXXX ( " credit bureaus '' ) by FDCPA law. But STELLAR refused to provide me any of requested copies. Now, I am demanding if STELLAR ca n't provide me with those copies, then STELLAR must to DELETE above account from the Credit Bureaus within next 15 days with the written confirmation.
I would like to ask Consumer Financial Protection Bureau to help me to put STELLAR and above names to the investigation list, I believe ( based of the complaint from the XXXX ) that I am not the first person who was harassed by the STELLAR.
I hope that Consumer Financial Protection Bureau /Representative will be able to successfully resolve my collection reporting issue. Thank you for your help.
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| 10/25/2016 |
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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I was doing some credit monitoring and noticed an agency on my report. The agency name is Stellar Recovery Inc out of XXXX, FL, the # listed XXXX, reporting for {$67.00} the original creditor was not listed. I called to inquire about what this was about and was advised this is a debt from XXXX form XX/XX/XXXX after being transferred twice and this is a debt I have never seen before that showed up on my credit report XX/XX/XXXX. It did not state a creditor just the third party collection company ( Stellar Recovery ). I advised them I had never received notice of the debt. I was not notified by mail, phone or even e-mail. I did advise I was going through a divorce but still had the same telephone number, ( which they verified with me that they had on their records. ) They told me they sent notices XX/XX/XXXX, to which I was then told had come back with a bad address. However I still had never received any phone call in those 5-6 years. When I was speaking to them about they did advise they had the correct telephone number but I still yet to receive a phone call. I advised that I am willing to pay this debt but due to the fact that I was not notified I would like this deleted off of my credit report. I was told by XXXX different agents that they will not do this. I asked to speak to a supervisor, XXXX XXXX got on the line and advised me that the loan can only recalled from the original creditor to be deleted. I asked him if his company reports to credit he stated yes, they also collect for XXXX, however refuse to delete the credit when I was never notified of the debt. ( His direct line is XXXX ). I called the original creditor XXXX. They advised me that the do not report to credit. That they will recall this debt. I am in limbo this matter, I have worked very diligently to restore my credit to have a {$67.00} account listed in collections and the company refuse to go by the FDCPA and the FCRA.
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| 08/01/2017 |
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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On XXXX XXXX 2017 I was notified by the Mortgage Company that Stellar Recovery just popped up on my Credit Report for XXXX XXXX . I stated I was confused as I am a current customer. So contacted original Creditor XXXX XXXX and took them a couple hours to find the account as it was over 2 years old. They found it and stated it was a final bill and told me the amount. I informed that I would pay right now and they took payment successfully. Received confirmation XXXX of XXXX 2017 that it was paid from XXXX XXXX Thank You for Your Payment Receipt. Contacted Stella of which Stella informed to send over the document. I did and I do not know whether they received it or not to this day. I contacted XXXX XXXX to notify them that Stellar has not shown that I paid the bill. On XXXX XXXX XXXX I walked into XXXX XXXX office and they printed off a Statement Balance Sheet of which I again sent email XXXX and they still did not get it. I once again reached out to XXXX XXXX and they again confirmed the Account is paid and again stated they sent it to Stellar Recovery. Contacted Stellar Recovery XXXX XXXX XXXX 2017 and they still had not received anything more over they refused to do anything about it. Very VERY Rude. So once again back to XXXX XXXX of which was stated to me that they were sending a Cease and Assist Letter stating the Account is XXXX Balance and to remove me off their system by XXXX XXXX XXXX XXXX 2017. Contacted Stellar Recovery around XXXX and they stated they do n't have anything and they are not sending any letter even after a conference call XXXX XXXX , myself, Stellar including the Store Manager for XXXX XXXX as I was in their office again on speaker phone stating to Stellar Recovery that the Acct. was paid. And they are still refusing all forms of confirmation of payment.
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| 12/06/2016 |
Yes |
- Debt collection
- I do not know
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- Cont'd attempts collect debt not owed
- Debt resulted from identity theft
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Web |
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STELLAR RECOVERY INC ACCOUNT NUMBERs : XXXX XX/XX/XXXX XXXX phone : XXXX ATTENTION TO DISPUTE DEPARTMENT : Dear Sir or Madam : I am a victim of identity theft. An identity thief used my personal information without my permission to open an account several account in my name this debt is not mine. I have enclosed proof of my identity and a copy of my Identity Theft Report. In accordance with the Fair Debt Collection Practices Act, I am asking you to stop collection proceedings against me and stop communicating with me about this debt, except as the Fair Credit Reporting Act allows. I also ask that you STELLAR RECOVERY INC or any company associate with this account # XXXX and tell them the debt is the result of identity theft. I have enclosed a copy of the Federal Trade Commission 's police report Notice to Furnishers of Information. It explains your responsibilities under the Fair Credit Reporting Act ( FCRA ). The FCRA requires that debt collectors give an identity theft victim documents related to an account if the victim asks. Please send me copies of all records relating to the account, including : date account open all sign original contract including : Account applications made on paper, online, or by telephone Account statements or invoices Records of payment or charge slips Delivery addresses associated with the account Records of phone numbers used to activate or access the account Signatures on applications and accounts Investigators report Please send me a letter explaining what you have done to : STELLAR RECOVERY INC or any company associate with this account that the debt is the result of identity theft Stop collection proceedings against me Stop reporting information about the debt to credit reporting companies Provide me with the records I request Thank you for your cooperation.
Sincerely, XXXX SOC SEC # *********** DOB XX/XX/XXXX ADDRESS XXXX
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| 04/04/2015 |
Yes |
- Debt collection
- Other (i.e. phone, health club, etc.)
|
- Cont'd attempts collect debt not owed
- Debt was paid
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Web |
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I canceled internet service with XXXX in XXXX of 2015 after a XXXX months of successive incorrect billing for service that even their customer retention department admitted was incorrectly billed too high and made adjustments to my account. Successive bills still had the improper billed amount so I canceled service.
I received another bill from XXXX and was advised that I would get a final bill that would show any remaining balance or credit.
I received a phone call from a debt collector on XXXX/XXXX/2015 regarding a past due amount to XXXX for {$45.00}. I disputed the charge and immediately went to my local XXXX office. The CSR girl said " No, you have a credit balance '' and was unable to print anything official, but did hand me a print out of her computer screen that shows a credit balance of {$110.00}.
I then received a bill from XXXX also dated XXXX/XXXX/2015 that shows a completely different amount of NEGATIVE XXXX and " NO PAYMENT DUE ''.
I then received a bill from Stellar Recovery XXXX XXXX XXXX XXXX. XXXX XXXX, XXXX, NC XXXX XXXX dated XXXX/XXXX/2015 for {$45.00}.
After several calls to XXXX I got several promises for calls back to take care of the issue. I have almost an hour 's worth of audio recordings of these calls and never received a call back.
Stellar Recovery states that they can not do anything and XXXX states that because it has been turned over to collections THEY ca n't do anything. I 'm stuck in the middle with nearly a XXXX point hit to my credit report and neither company will acknowledge my issue or assist in rectifying the situation.
As of my conversations with XXXX today ( XXXX/XXXX/2015 ) their customer retention specialist " XXXX '' acknowledged that there was a balance I owed of {$5.00} BUT XXXX owes ME {$40.00}!
Again, this is on my credit report, XXXX owes ME money, and no one is willing to correct the issue.
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| 08/03/2017 |
Yes |
- Debt collection
- Other debt
|
- Written notification about debt
- Didn't receive enough information to verify debt
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Web |
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I went through a period where I moved from my home and because I had not found a new home yet, I was living in temporary housing. So during a four month period I was living in three different places. Each had service with XXXX XXXX. Each time I moved I transferred service and provided my new address, etc. My phone number always stayed the same as I use my cell number exclusively. Now, over a year later I am applying for a mortgage to purchase a home. My credit has always been excellent. I have never not paid a bill and strive to be timely with all payments ... never over 30 days. I pay most of my bills via direct autopay to avoid being late to protect my credit. I was shocked to see that XXXX XXXX had placed me in collections in XXXX 2016! for the period of time when I was in two months temporary housing! I have had service with XXXX for over a year now at my new address, have been told by a XXXX agent that my payment history is 100 % perfect. The record shows that a payment I made during that time period was actually credited to my former residence. XXXX is now saying that they sent me a letter in XXXX, 2016 to tell me that I was being placed in collections! I just do n't believe them. I open all of my mail and if I EVER saw something like this I would NOT ignore it!!! Even if they did send it ... this is the only communication that they sent me! I have been a XXXX customer for a very long time and I am extremely upset. This is going to cost me an extra $ XXXX {$10000.00} to purchase my home because of the way it has impacted my credit. It is unfair. This is so upsetting to me I can not sleep and it is all I think about. I need this to be removed from my credit report because I do n't think the manner that they addressed this was fair. I was NOT properly informed of a debt and was put into collection without my knowledge.
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| 03/29/2016 |
Yes |
- Debt collection
- Other (i.e. phone, health club, etc.)
|
- Cont'd attempts collect debt not owed
- Debt is not mine
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|
Web |
Servicemember |
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I purchased a home in XXXX XXXX at XXXX XXXX XXXX, XXXX XXXX, XXXX. This was a short sale purchased from the Bank. This fact is important as I am the first owner of home. The contractor that built the home went bankrupt and during that process he evidently allowed this couple to live there, in the contractor words-trying to recoup some monies. The house was built and not sold before contractor went bankrupt. Evidently a couple lived in house prior to me and had XXXX XXXX XXXX. Shortly after purchasing the home. Letters started to arrive for the previous occupant, then Deputies with warrant in debts. I advised all parties that that guy did n't live here and I had purchased the home. Incidentally I have been a XXXX customer for many years. I am currently a XXXX internet customer. After I called XXXX in XX/XX/XXXX and discussed the letters and deputies coming by stopped. Recently we have begun receiving letters from Stellar Recovery , Inc ( XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX ) ref this debt. A dept that is not mine. I did not even move to XXXX XXXX until XXXX XXXX when I purchased home. I believe what has happened is the collection agency did a records check and since I was the first owner of the home they attached my name. I have discussed with XXXX again. They said its not my debt, not my name, not my DOB and not my SSN. I just sent a letter to collection agency stating- Under the Fair Debt Collection Practices Act, a federal law, you may not contact me further once I have notified you not to do so. I wish to submit a complaint with you ref this collection agency. They are not utilizing any common sense in collecting this debt nor the facts. My only connection to this is the address of the home I purchased. We consider this harassment and want it to stop. Thank you in advance for your assistance
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| 10/18/2016 |
Yes |
- Debt collection
- Other (i.e. phone, health club, etc.)
|
- Cont'd attempts collect debt not owed
- Debt is not mine
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Web |
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XXXX has repeatedly over charged me for almost 3 yrs. & declined to accept responsibility or adequately fix the problem. They disconnected my service in XX/XX/2013 & continue to say yrs. later that I owe them {$200.00} for which I do n't. They never atoned for the over charges to my account nor fixed the problems that continued to over charge me on " specials '' that they supposedly gave me & reniged on each month. I reported them to the FCC numerous times yet they still failed to correct the billing errors. They continue to send XXXX party collectors after me who harass me by phone for a month or more, then begin sending letters, then ding my credit if I do n't respond which I do n't. This will be the XXXX 3rd party collector they 've sent after me that 's failed to collect on the debt. I told this co. not to call me again. They harassed me 10 times a day with robocalls even when their office was closed on the weekends! I told them I do n't owe XXXX money & to leave me alone. They continue to harass me ignoring what I said. I refuse to pay them or XXXX anything! If anyone owes anyone money, XXXX owes me for over charging me for almost 3 yrs. for their service when they set me up on specials that seemingly expired the next month. I do believe that 's called bait and switch. I want this collection co. to back off & if they ding my credit I will hire an attorney & sue both them and XXXX once & for all. I do n't owe them money & will never ever pay them! They 've been sending their pit bulls after me for more than 2 yrs. enough is enough! It has to stop. Each time they sic a new collector on me I 'll get an attorney & report them to whomever for harassment. They need to drop this debt & move on to something they are able to collect. This one will never come to fruition!
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| 04/05/2018 |
No |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt is not yours
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Web |
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File Number : XXXX I am in receipt of your companys letter informing me you are handling the collection of the account mentioned above. However after reviewing my records, I am unable to find any documentation of any contractual relationship between STELLAR REOVERY INC and myself, XXXX XXXX XXXX, which makes you a person entitled to enforce a commercial claim against me. This is not a request for any verification or validation.
This is a request for proof of contract, to substantiate your claim. Therefore, provide me a certified copy of the original contract, with my signature, specifically naming your company as a person entitled to enforce a commercial claim against me. Certification can be done through the presence of a notary public who duly swear the copy made is in fact a copy of the original paper contract in question.
Your failure to respond and provide strict proof of contract will constitute your tactic agreement that STELLAR RECOVERY, are not entitled to enforce a claim against me. In the event you continue your collection efforts against me without providing proof of contract, I may do one or more of the following : 1. File a complaint with the Attorney General. 2. File a complaint with the FTC, 3. File a lawsuit against you in U.S. Courts for Harassment, fraud and invasion of privacy.
You have 30 days to provide strict proof of contract. In the event you can not provide strict proof of contract, you must cease and desist all collection effects and immediately remove my account from your office database. In the event you transfer this account to an attorney without providing proof of contract, he will be immediately reported the STATE BAR ASSOCIATION and the PROFESSIONAL LIABILITY FUND for code of ethics violations.
|
| 02/28/2017 |
Yes |
- Debt collection
- Other (i.e. phone, health club, etc.)
|
- Cont'd attempts collect debt not owed
- Debt is not mine
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|
Web |
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My name is XXXX XXXX XXXX, Today I pulled my credit while applying for a new home loan, and found that XXXX was reporting me with an account in collections. I live and have lived at XXXX XXXX XXXX XXXX XXXX XXXX XXXX for the past 15 years. I was told that this account was set up at an address of XXXX XXXX XXXX XXXX XXXX. This account was set up under the phone number XXXX. That is not my address nor my phone number, I called the collections company and dealt with XXXX different people that all told me that I should just pay it. On the 6th attempt I talked to a lady who said she would get it added to the fraud list, but I am not confident that happened. I then called XXXX, the first person I talked to said to pay it and then he could transfer the service to my new address of the home I am trying to purchase. I called back a second time and talked to XXXX in financial services who said there was nothing he could do to help me, but told me that I could just pay it and get new services started at my new address. I have never had a property in XXXX nor am I going to pay a bill for services that I never had. The third time I called back I talked to a lady that said she would be able to put the account in fraud status but was n't confident that it would go through because I did n't know some account code number that I would 've received when starting the account, which of course I did n't so I would n't have the number. I feel like I am getting the runaround from XXXX and stellar recoveries and no one will help me, and now my credit is affected and I am not able to close on my house per the original agreement. My closing is now in limbo till this problem gets resolved. Fraudulant account address : XXXX XXXX Acct/Phone number XXXX
|
| 05/25/2016 |
Yes |
- Debt collection
- Other (i.e. phone, health club, etc.)
|
- Cont'd attempts collect debt not owed
- Debt is not mine
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|
Web |
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This complaint is on XXXX. 2 1/2 years ago I called XXXX and ordered service. They shipped me the equipment to hook-up and begin my cable service. When the equipment arrived, I hooked the cable box up as directed, but it did not work. When I called XXXX back, they changed their story. Originally, they said a tech visit was unnecessary b/c the home had previously had XXXX. Now since the box did not work, XXXX wanted to charge me for a tech to come out and they did n't have one available for 2 weeks. This made me angry, because they were wasting my time and this is not was I was originally told when I started service. I shipped the equipment back. Fast forward a few weeks later, I received a bill from XXXX that I owed XXXX dollars. It took me literally 10-13 phone calls to XXXX, requesting that this be taken off, or to speak with a manager, etc. Finally after a few months I went to my local XXXX store and was told that they removed the charges, since I NEVER ACTUALLY HAD OR USED THEIR SERVICE .... EVER!! Now 2 1/2 years later, a collection agency from XXXX pops up on my credit report! I never even received a call or letter from either company notifying me of this debt! My spouse and I are literally in the middle of repairing our credit to buy a house. This is really messing things up for us. To make matters worse, when I called XXXX, they can even find our account using our name or phone number or address. What a waster of my time! This company should be shut down! I would n't use XXXX if THEY PAID ME A {$1000.00} A MONTH!! How do I get this debt taken off of my credit report? And can I sue them for falsifying information and lowering my credit score? Thanks.
|
| 09/18/2015 |
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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XXXX 2014 I was contacted by XXXX stating that I owed a bill. I told them at that time that I have never had their service and asked for the service address, which I was told was in California. I informed the rep at that time that I have never had the service and have never lived in California. At that point I was told that it would be taken care of an apologized to. No further contact was received.
I recently applied for a job with XXXX XXXX and as part of the process for selection, my credit was pulled. My credit is not perfect but I have worked hard to repair my credit and pay debts off and have succeeded thus far. When reviewing my report in XXXX that was pulled for the candidate selection I found a collection notice on their from Stellar Recovery in MT for XXXX XXXX. I contacted Stellar, who had my current address but was referred to XXXX. I have talked to XXXX numerous time and they have not been able to find an account in my name matching the last XXXX of my social. The last conversation I had with them is that it is not my fault I allowed my information to be compromised ; outrageous. If I had allowed my information to be compromised why could they not find an account in my name? I was talked down to and spoken to horridly and still I am now getting the blame. I have lost the job that I was after, which would have given my the income boost that I need. XXXX simply will not do anything at all. A negligent company like this should not be allowed to be in business. I feel that they should be financially responsible for my job loss, violating the laws of conversion and allowing a fraud to occur and reporting falsely against me.
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| 01/28/2016 |
Yes |
- Debt collection
- Other (i.e. phone, health club, etc.)
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- Cont'd attempts collect debt not owed
- Debt was paid
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Web |
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At issue is a XXXX account from XXXX. The debt collection company, Stellar Recovery, is attempting to collect a debt that was never owed, and illegally trying to do so.
The XXXX account in question was closed in XXXX or XXXX of XXXX and all equipment was returned to the local XXXX office. XXXX billed me for the equipment in XXXX XXXX, and I contacted XXXX to deal with it ( proving that I had returned the equipment ) to put the issue behind me, or so I had thought.
Stellar Recovery must have bought this " claim '' against me in the past year because I started receiving an overwhelming amount of calls from them at all hours of the day. I told them that there was no claim here, but they continued to contact me until I told them to no longer contact me.
I, again, thought this was behind me. I was checking my credit report today and notice that there is an unpaid collection that was filed in XXXX of XXXX by Stellar Recovery in the amount that they assert. Note, that even if Stellar Recovery had a valid claim, it was no longer legally enforceable because the Tennessee statute of Limitations had run its course ( limit of 6 years that runs from when the demand could have been made ).
This is outrageous and unacceptable. Stellar Recovery is attempting to strongarm me into paying a debt that I never owed based on what is a clerical error at best, and an outright lie at worst. Moreover, as a company that specializes in debt collection, they are well aware of statutes of limitation, it is my contention that they are intentionally misrepresenting the collectability of the debt to the credit bureaus, and that the report should be removed.
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| 06/06/2015 |
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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This complaint is being filed against Stellar Recovery in regards to the above reference account that Stellar Recovery Inc. Has illegally reported and listed on all XXXX major credit reporting agencies ( XXXX ). Please be advised that this is not a refusal to pay, but written notice sent in pursuant to the Fair Debt Collection Practices Act, 15USC 1692g Sec. 809 ( b ) that your claim is disputed and VALIDATION is requested.
This is not a request for " Verification '' or proof of my mailing address, but a request for " VALIDATION '' made pursuant to the above named Title and section. I respectfully request that your offices provide me with competent evidence.
Please provide me with the following : What the money you say I owe is for ; Explain and show me how you calculated what you say I owe ; Provide me with copies of any documents that show I agreed to pay what you say I owe ; Identify the original creditor ; Prove the Statute of Limitations has not expired on this account ; Show me that you are licensed to collect in my state ; Provide me with your license numbers and Registered AgentAt this time I will also inform you that if your offices have reported invalidated information to any of the XXXX major credit bureaus ( XXXX ) this action might constitute Fraud under both federal and state laws. Due to this fact, if any negative mark is found on any of my credit reports by your company, or companies that you represent. I will not hesitate in bringing legal action against Stellar Recovery Inc. for the following : Violation of the Fair Credit reporting Act Violation of the Fair Debt Collection Practices Act Defamation of character
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| 02/24/2016 |
Yes |
- Debt collection
- Other (i.e. phone, health club, etc.)
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- Cont'd attempts collect debt not owed
- Debt was paid
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Web |
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Refused to cease and desist from incorrectly reporting on my credit bureau report.
Stellar Recovery Collection Agency of XXXX XXXX XXXX # XXXX, XXXX, MT XXXX is incorrectly reporting a XXXX XXXX XXXX ( XXXX ) account on my credit bureau reports. XXXX provided cable services to my home. During their repair process XXXX XXXX ( and sub contractor ) did over {$1200.00} damage to my home. I promptly brought this to the attention of XXXX and they refused to take responsibility so I cancelled my service with them and did not pay them any more money leaving a final bill of about {$570.00} which I refulsed to bay because of my damage claim offset.
On XXXX XXXX, 2015 I got a written acknowledgement of the damage and an offer to settle accompanied by a release form. The offer included waiving the balance and a payment from XXXX of {$910.00}.
Despite having provided copies of these documents and several conversations with the collection agency the company still reports this as " Customer Disputes '' to the credit bureaus. This reporting does not factually, or correctly, describe the circumstances. XXXX owed me money during the period in question and gave me a credit for it. The current reporting negatively impacts my credit bureau scoring and does not accurately reflect that this money was credited to me as a result of negligence on the part of the creditor XXXX.
I have asked the collection agency to cease and decist from this erronious derogatory reporting and they refuse. I want this completely removed from the bureau reporting as at the creditor actually owed me money while they were reporting me as delinquent.
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| 04/16/2015 |
Yes |
- Debt collection
- I do not know
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- Cont'd attempts collect debt not owed
- Debt is not mine
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Web |
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For the past year, or more, scince changing phone and changing to new phone Number, I 've been receiving intimidating, harassing, threatening leagal action against myself if I do n't respond : by various debt collection Agencies, claiming it is regarding ( I believe ficticious ) a person - XXXX Constanamous..? Attached to this phone number..? At XXXX I tried to understand and set the record straight about I 'm not this person, I did n't write this ( ese ) bad check ( s ), and they always promised they would correct their records and take my phone number off their call list. It would be a couple of months and then the calls would start over and it seems other collecting agenies would be added, as if they must be passing my phone number and the erroneous information on this " bad debt '' to other new collection agencies. I 've contacted my phone carrier, XXXX XXXX, who only suggested changing to a different number ( at my expense/inconvience ) but as they recycle numbers, they can offer no guarentees of who or what might be attached to the new number..? This last month and a half I 've logged up to XXXX Voicemails of these intimidating harassing Phonecalls and contacted them and they '' ve continued with the same lie that they 'll correct their records and remove my phone number from their call list. A particular XXXX - Tier XXXXXXXX, XXXX XXXX & phone # XXXX XXXX XXXX & # XXXX XXXX XXXX referencing some file # XXXX after just promising yesterday XX/XX/2015, to update and correct their records proceeded to call with their intimidating, harassing phone calls again today the XX/XX/2015.
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| 05/01/2015 |
Yes |
- Debt collection
- Other (i.e. phone, health club, etc.)
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- Cont'd attempts collect debt not owed
- Debt was paid
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|
Web |
Servicemember |
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What happened to me is almost verbatim what is described in XXXX v. XXXX XXXX XXXX filed in Florida XXXX District Court. I switched from a reliable internet provider because XXXX was offering a higher speed ( XXXX ) for less money. What they did n't tell me was that the outdated lines in my neighborhood could n't support the speed that they had promised. For six months I struggled by with speeds between XXXX and XXXX, usually much closer to the XXXX which was completely unusable. I called XXXX 's tech support line numerous times with no relief. During that time, XXXX was being auto-paid directly from my bank account in full and on time each month. After six months, I had to cancel and switch back to a reliable provider. After termination, XXXX continued to bill me for another month before I was able to terminate the auto-pay. They then sent me a {$200.00} termination bill which I refused to pay since my termination was only due to XXXX 's inability to provide the service. I have tried to resolve this issue directly with XXXX to no avail. Their stance is that they provided me service at a reduced price for six months and are entitled to a termination fee. What I have pointed out and they seem unwilling to consider is that the " service '' that they provided during the six months was significantly reduced over what was promised. They charged me an extra month for which they were providing no service. And, the account was only terminated because of their inability to provide the agreed upon service. If anything, I should be sending XXXX a bill.
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| 10/18/2017 |
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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I was informed of an unpaid XXXX XXXX collection reporting on my credit report on XX/XX/2017. I was surprised, as I never received any type of notification or demand for payment from either XXXX XXXX or Stellar Recovery.
I promptly called XXXX, ascertained it was my debt, and paid the account right away. I argued that since I never received a dunning noticed allowing me to cure this debt before it was credit reported, I expected them to delete it from my record. XXXX asked me to call /Stellar Recovery. On XX/17 I called them, explained to them the situation, and they confirmed they had an OLD address, and still denied my request to remove this item from my credit report.
Please be advised that I have consulted local and state consumer protection agencies with assistance regarding the credit reporting of the above referenced account.Specifically, I have sought advise as to recently discovered adverse credit remarks on my credit report. I was informed that both the Fair Debt Collection Practices act and California Rosenthal Fair Debt Collection Practices Act protect consumers against unfair collection practices and malicious persecution.
Further, creditors or collection agencies are prohibited from submitting information relating to the consumer to any consumer reporting agency if they have been notified by the consumer that the information is inaccurate pursuant to 15 U.S.C 1681 ( S-2 ). I hereby remain adamant that should I have been given the opportunity to dispute or pay, I would have exercised my rights as prescribed by law.
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| 07/03/2017 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
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- Incorrect information on your report
- Account information incorrect
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Web |
Servicemember |
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I spoke with a representative of Stellar Recovery Company, XXXX XXXX XXXX, XXXX, Florida. XXXX ( XXXX ) XXXX. Regarding a collection account with XXXX XXXX. In speaking with this company, I argued that the collection about information on my report is incorrect and that I would consider making a formal dispute with the credit reporting agencies and contact XXXX XXXX to resolve the problem. The next think I noticed on my credit report a few weeks later is there that I incurred this debt on XXXX XXXX, 2017. I have had no financial transactions with Stellar Recovery Company. Nor, have I made any type of formal dispute with them directly. Had I done so, I would have done so in writing. They continue to cause me financial stress and aggravation due to their improper reporting. I am not disputing that I was indeed terminated business dealings with XXXX XXXX over 5 years ago. In the State of Arkansas, all attempts to collect on this debt have long past the Statute of Limitations of 2 years for this type of account I have not yet disputed this account with the 3 major credit reporting agencies and as of yet, this information continues to appear on my credit report. There is also inaccurate reporting of the debt owed with an original debt of {$240.00} and an amount owed of {$240.00}. This would assume that somewhere, somehow, I made a {$1.00} payment towards this account thereby giving cause to this unscrupulous, to make changes in the reporting dates in an effort to coerce me into making restitution on a fraudulently reported account.
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| 08/07/2016 |
Yes |
- Debt collection
- Other (i.e. phone, health club, etc.)
|
- Cont'd attempts collect debt not owed
- Debt is not mine
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Web |
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I had bundled my account with XXXX for internet and XXXX when I first set up my account with them. My account was bundled without my permission or knowledge. I was not aware of this until I noticed a credit on my account of {$100.00}. I called they said I owed {$180.00} for the new stand alone account for XXXX then it was reduced to {$75.00}. I spoke to a rep XXXX on XXXX/XXXX/2013 who did not know why they split my XXXX off my account so he applied the credit of {$100.00} from my current account to my XXXX bill. Then I started receiving more bills for the account I did not open so I called and spoke to another rep XXXX then the manager XXXX on XXXX/XXXX/2013 who insisted I owed this to them he would not listen to me when I explained that this should have already been cleared up as their error not mine. Since then they have sent me to collections for the {$75.00} that I do not owe. I have been fighting this since 2013. I had it removed from all XXXX credit bureau 's last year but they moved the claim from XXXX to Stellar Recovery Inc. and it 's back on my credit again. I spoke to XXXX at Stellar Recovery Inc. XX/XX/XXXX and explained what happened so she disputed it. Even though they have no history of the account or this charge they will not remove or close the collection or stop sending me to collection for it. I have exhausted all efforts to clear this up only to end with the same result. I do not owe this and would like this to be resolved once and for all. I have all this documented from the time this started to date.
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| 08/10/2016 |
Yes |
- Debt collection
- Other (i.e. phone, health club, etc.)
|
- Disclosure verification of debt
- Not given enough info to verify debt
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Web |
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on XXXX XXXX i was checking my credit report when i see that i had something reported to my credit file by XXXX as a collection item. immediately i contacted the credit bureau who informed me it was from some collection agency call Stella Recovery Inc. its reporting that i owe {$560.00} to comcast which i have never had any service with. i was not aware that there was a bill in my name with this company as i have never had any form of communication which such company. i put in for a dispute and on, regarding this creditor. on XXXX XXXX i received an email from XXXX stating that the dispute was complete and a number was given to me XXXX, however, when i checked my report the info was still on my file, so i again call XXXX and the rep told me that they contact XXXX and XXXX said this belong to me. i immediately called comcast who could not find any info with my name or address in their data base or even an account number for this service, not only that they informed me that they do not deliver service to my area. i have never lived anywhere out of XXXX and find this strange. attached please find a copy of my id and the info that was reported to my credit report. i would like for this to be completely be removed and this agency who is reporting false info to my report be dealt with. also the credit bureau makes me feel like there is no safety with them either which is really sad. this is no the first time my credit info is being compromised and it bothers me to the core.
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| 08/15/2017 |
Yes |
- Debt collection
- Other debt
|
- Written notification about debt
- Didn't receive notice of right to dispute
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Web |
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Company appeared on my credit X/XX/2017. I have no knowledge of this account and the company has never sent me any correspondence given me the opportunity to obtain validity prior to reporting on my report. Prior to filing this complaint I called the credit bureau and was informed that the company provided proof that the account was mine because of matching addresses on file and birthday but the social didnt match and they flagged my file as having a double credit file and sent out notices to the company to send proper validation with my social or delete from the file. When I tried to call because I have no idea what this is from the customer service agents was unable to speak with me unless I verified my information. I gave her my social and the account number furnished on my report. She was unable to speak with me as the information didnt match. When I asked her to send me a letter stating they had the wrong information the call conveniently disconnected. I called back and asked another agent and he said its against their policy to discuss the account because the information doesnt match, when I asked him to send me verification of the debt and to cease collections he stated they wouldnt collect anymore but he couldnt stop it from going on/remove it from my credit if I didnt pay. I AM NOT PAYING FOR AN ACCOUNT THAT IS NOT MINE and they couldnt even verify in their system. I have never had a XXXX account and I have no knowledge of this account.
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| 11/18/2016 |
Yes |
- Debt collection
- Other (i.e. phone, health club, etc.)
|
- Cont'd attempts collect debt not owed
- Debt is not mine
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Web |
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I had cable service from XXXX that was contracted through XXXX. All billing for my cable service was received from XXXX. I never had an account directly with XXXX. Upon the end of service, I received a bill from XXXX that reads FINAL BILL about 3 years ago. The FINAL BILL showed that I overpaid the account by more than {$50.00}. However, XXXX created an account after service ended and continues to send me fraudulent bills via collection agencies attempting to collect at first {$230.00}, then {$140.00}, and recently {$98.00}. On XX/XX/XXXX, I contacted XXXX via certified letter to dispute the debt, provided a copy of FINAL BILL proving balance was not owed. This collection company stopped contacting me after the letter was sent. Then I received collection attempts from XXXX in XX/XX/XXXX and XX/XX/XXXX. Again, I sent a certified letter to dispute the debt, provided a copy of the FINAL BILL providing the balance was not owed. This collection company also stopped contacting.
However, on XX/XX/XXXX, another collection company called XXXX has sent me a letter attempting to collect the debt. I filed a complaint against XXXX ( See Case Number XXXX ) Guess what? Stellar Recovery, I want you to know I am stellar and will never pay this. Tell XXXX XXXX that they can keep doing this for another 4 years, I will keep filing complaints. STELLAR! If Stellar Recovery contacts me again, I will take legal action for violations against the Debt Collection Act.
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| 08/22/2016 |
Yes |
- Debt collection
- I do not know
|
- Cont'd attempts collect debt not owed
- Debt is not mine
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Web |
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I previously worked for the Federal Government is a position where the background check included an extensive verification of where I previously lived, worked, any alias ', financial information and finger prints were required. After XXXX XX/XX/XXXX, I was advised that there was a recent cyber security breach and I was given insurance via a third party identity restoration firm, XXXX. I received a routine credit alert on XXXX XXXX, XXXX. Upon checking the information, a collection showed up for the first time on my credit report on XXXX XXXX, XXXX showing a debt due to XXXX in collection with Stellar Recovery for a XXXX address I never lived at for an individual with a first name and last name spelled differently than mine ( one letter of difference in each ). I had an account with XXXX in a different state which was closed out ( I saved the only chat ) and XXXX accessed my Credit Report on XXXX XXXX, XXXX and thus not only would their own records show the correct information but at that point they had my current name and address. I did not receive a single notice about this and of course they are trying to portray this as identity theft ( to cover their incompetence and probably wanting a tax deduction for the current period ). XXXX has not been cooperative ( and made me go through hoops filling out forms ) and I know nothing of the bogus transaction on my credit report.
|
| 06/01/2015 |
Yes |
- Debt collection
- Other (i.e. phone, health club, etc.)
|
- Cont'd attempts collect debt not owed
- Debt was paid
|
|
Web |
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" Debt was paid '' was the most closely related option ; however, I did not pay the debt because the debt was/is not owed. The purported balance owed of {$1400.00} stems from a XXXX account bundled service plan that was never installed properly and never functional. I submitted my complaints and service issues directly to the XXXX XXXX supervisor, XXXX XXXX, who should have XXXX the account balance or directed Customer Service to do so based on the breach of contract on the part of XXXX XXXX XXXX. I have heard absolutely nothing else from XXXX or the collection agency who contacted me under XXXX weeks from the final cancellation and resolve of my account. Recently, XXXX notified me that XXXX had sold this account to said Stellar Recovery Inc which appears on my credit report ... but the initial collection agency to which XXXX sold this account was said XXXX XXXX XXXX ... Today I dropped by the XXXX XXXX XXXX XXXX branch to give them another opportunity to properly resolve this account to a XXXX balance and update these collection agencies to whom they illegally and unethically sold this account, but according to " XXXX XXXX '' - although there are innumerable service issues noted on the account from the beginning until the end and depsite the {$1400.00} being directly associated with installation and service fees, he refused to issue any credits to the account
|
| 06/11/2016 |
Yes |
- Debt collection
- Other (i.e. phone, health club, etc.)
|
- Cont'd attempts collect debt not owed
- Debt was paid
|
|
Web |
|
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This complaint relates to case number XXXX. The original creditor is XXXX, arising from a final bill from an apartment that I moved out of in XXXX XXXX. In XXXX XXXX I received a letter from a debt collector asking for payment of {$140.00}. I mailed a payment via my credit union 's bill pay on XXXX/XXXX/XXXX for the full amount due. The letter, which purported to be from an XXXX office in XXXX, TN, instructed to make checks payable to XXXX XXXX.
In XXXX XXXX, I received a bill for the same amount from a separate collection agency for the same debt. The agency is XXXX, XXXX After double-checking that I had already paid, I assumed they had some wires crossed, so I ignored the bill.
On XXXX I received another bill from XXXX, so I called them to explain that I had already paid the bill. They demanded proof from me rather than checking with XXXX. Because the payment was made via bill pay, I will have to go into my credit union branch to get a copy. This will be time consuming and annoying. I feel the burden should be on the collection agency to ask their client to double check their records. In the meantime, my credit score has been harmed by the report to credit bureaus by XXXX.
Today, I received a bill from Stellar Recovery , Inc. for the same debt, dated XXXX XXXX, XXXX. XXXX is continuing collection efforts of a debt that has been paid for almost a year.
|
| 03/21/2015 |
Yes |
- Debt collection
- Other (i.e. phone, health club, etc.)
|
- Disclosure verification of debt
- Not given enough info to verify debt
|
|
Web |
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XXXX of my bank accts were closed on or about XXXX 2013. I received a settlement offer XXXX XXXX who in return sold the accounts to Stellar Recovery. I paid the settlement offer to Stellar Recovery , Inc. who in return sent me several paid letters of receipt. The problem is that they will not verify this information to XXXX. I 've reached out to Stellar Recovery and XXXX to have the information updated. I 've taken my receipts to XXXX XXXX XXXX who originally had the account. XXXX XXXX XXXX and myself contacted Stellar Recovery and XXXX together. My bank manager verified to XXXX that account balances has been paid through settlement. XXXX sent me a letter stating that the balances are still owed and that the balances were verified through the FI, ( Financial Institution ). This is not true. Stellar Recovery states that " they can not verify to XXXX that I paid the settlement offer and I have a XXXX Balance, because they ( Stellar Recovery ) received the account from XXXX XXXX. The XXXX manager, XXXX XXXX attempted to contact XXXX XXXX. There is no working number. XXXX XXXX also spoke to XXXX and Stellar Recover while I was sitting in his office.
I would like for XXXX to correct their information regarding my accounts with XXXX. There are XXXX accounts on my XXXX report that shows the accounts are closed with balances. This is inaccurate information.
|
| 07/24/2017 |
Yes |
- Debt collection
- Other debt
|
- 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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Agency- Stellar Recovery My husband and I are the underwriting process of purchasing our new home. on XX/XX/XXXX I received an alert of a new collection account from Stellar Recovery on my credit report. I tried calling the number listed on the credit report but it was not an active working number. I immediately researched agency and sent them an email disputing the collection and filed a complaint with the 3 credit bureaus. I sent two physical letters to two different addresses ( Montana and Florida ) associated with the business. I contacted my bankruptcy attorneys and they sent a letter to the company on my behalf. I left an inquiry on the agency 's website. I 've called the company at other phone numbers I found online 3x but could only leave messages. I then did a search in my spam email and found they emailed me 4x in one day on XX/XX/XXXX before placing this on my credit. ( Three of those emails from the agency were addressed to 3 other individuals providing me with their names and addresses. The email addressed to me never stated who the bill was from, the amount of the bill, or that it was an attempt to collect a debt. The company has not returned any of my calls, emails or inquiries. My credit score has decreased by 30 points due to this and we are still waiting to hear how this may impact our chance of buying a new home.
|
| 08/19/2015 |
Yes |
- Debt collection
- Other (i.e. phone, health club, etc.)
|
- Communication tactics
- Threatened to take legal action
|
|
Web |
|
|
I was a XXXX XXXX customer for over XXXX years and canceled my service in XXXX. I returned all the time XXXX XXXX in XXXX. We paid the last monthly bill and at the time of the return was told I had retuned everything. There was nothing to pay the day I returned the equipment.
Today I received a call from Stellar Recovery , Inc. XXXX, MT XXXX which I was later told is a Division of XXXX XXXX XXXX, and requested to pay a {$22.00} Bill Plus a {$9.00} Transaction Fee.
I paid the bill and fee because they threatened to report this bill to the credit bureau. They also said they could send me a bill in XXXX days but then I would be past 60 days ( for a bill that has n't been sent ) and I would have already been reported to the credit bureaus. Having never missed a payment in my entire life and having done business with XXXX XXXX since XXXX of 1982, I was greatly upset.
I never received a final bill in the mail and the person from the recover company could not or would not provide me an explanation of what this bill was for. So I 've paid a bill I 've never received and ca n't verify what I was billed for.
The recover company left a message on my phone with an automated message not referencing that this was in regard to the final XXXX XXXX XXXX. XXXX XXXX has not returned my call this morning to explain to me what I was billed for.
|
| 07/29/2017 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt was paid
|
|
Web |
Older American, Servicemember |
|
In XX/XX/XXXX, I had a lengthy dispute with XXXX XXXX about a charge that they claimed that I owed. Subsequently, this account was turned over to to XXXX. XXXX, XXXX, a collection agency. I then sent XXXX. XXXX a standard " Truth in Lending '' letter, XX/XX/XXXX, asking them to provide me with particulars pertaining to my alleged debt. Shortly thereafter, I received notification from XXXX. XXXX, XXXX, notifying me that they were withdrawing the demand payment. The information was also removed from my credit report. Then in XX/XX/XXXX, after routinely requesting a free copy of my credit report and to my surprise, there was a " Public Record Item '' on the XXXX report indicating that the account with XXXX XXXX was listed with Stellar Recovery , Inc., XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, MT, XXXX, account # XXXX. The amount owed is {$250.00} and the date opened was XXXX, first reported XXXX and was past due as of XXXX XXXX, showing a recent payment of {$70.00}. This was surprising because I had not any correspondence with anyone regarding XXXX XXXX, since the letter that I wrote to XXXX. XXXX, XXXX in XXXX. This was the first notification of any type that I received from Stellar Recovery, Inc., or anyone else, pertaining to this alleged indebtedness. I appreciate your help in getting this matter resolved. Thank you, XXXX XXXX XXXX
|
| 09/04/2016 |
Yes |
- Debt collection
- I do not know
|
- Cont'd attempts collect debt not owed
- Debt is not mine
|
|
Web |
Servicemember |
|
On XXXX/XXXX/16, I received an online alert from XXXX Credit monitoring for which I am a subscriber. After reviewing my credit report, I noticed a new collection account for STELLAR RECOVERY INC that was reported via XXXX ( account XXXX ). I obtained my free credit report from XXXX on XXXX/XXXX/16 and filed dispute XXXX. On XXXX/XXXX/16 XXXX removed account XXXX from my XXXX credit report. On XXXX/XXXX/16, I received another online alert from XXXX Credit stating that STELLAR RECOVERY INC reported the same account that was previously deleted from XXXX to XXXX on XXXX/XXXX/16. I have previously called STELLAR RECOVERY INC and there only methods for disputing an item directly with them is to email your social security number via unsecured public email or to call an answering maching and leave your social security number. Neither of STELLAR RECOVERY INC methods for communication are reliable, documented or secure. I am deeply concerned that STELLAR RECOVERY INC is shopping credit bureaus to solicit a settlement for a debt that I do not owe. This unscrupulous behavior is harrassing and time consuming since they are bouncing the debt around to varying credit bureaus. The contact information for STELLAR RECOVERY INC is as follows : Stellar Recovery Inc, XXXX XXXX XXXX XXXX XXXX, XXXX MT XXXX Phone : ( XXXX ) XXXX.
|
| 04/21/2015 |
Yes |
- Debt collection
- Other (i.e. phone, health club, etc.)
|
- Communication tactics
- Used obscene/profane/abusive language
|
|
Web |
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Today XXXX/XXXX/XX/XX/2015, I contacted Stellar Recovery XXXX to resolve an acct my husband has outstanding. My call was directed to an employee named XXXX XXXX. Upon initiation of this call with XXXX XXXX I asked to see if a check had been received, that was sent out XXXX/XXXX/XX/XX/2015, to settle the acct in full. From the beginning XXXX XXXX tone was condescending and demeaning. He XXXX informed me the acct had been settled and then immediately retracted his statement saying that it was not settled because the company no longer handles the acct and any check received will be declined. He further stated, in his words " That 's why you should make payments over the phone when we call ''. I asked for clarification as to who now handles the acct now. He did not immediately relinquish this information, which then lead me to ask for his name and to speak to his supervisor. At this point XXXX XXXX began to berate me in a unprofessional/unwarranted tone. He told me a supervisor was not available to speak with. I then asked to speak to another employee, to which he did not agree but threatened to terminate to call. After approximately 5 minutes of back and forth with XXXX XXXX requesting to speak to another employee I informed him that I am 8 months pregnant and did not need any extra stress.
|
| 04/18/2017 |
Yes |
- Debt collection
- Other (i.e. phone, health club, etc.)
|
- Disclosure verification of debt
- Not given enough info to verify debt
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|
Web |
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Hello I have a collection debt on my credit report from XXXX internet and phone provider in the amount of XXXX different balances owing. First XXXX owing is reported in XX/XX/XXXX by Stellar Recovery in the amount of {$91.00}. Another reported by Stellar Recovery in XX/XX/XXXX in the amount of {$150.00}. I have contacted XXXX ( which I am currently receiving services from today ) about this balance owing and they cant seem to give me proper information on the debt owed, due to the computer filing system they have previously used for billing is no longer used. XXXX stated my account I owe is in an archived system and have not provide me with the dates or past payments on the account they claim I owe money to them. I had moved from XXXX different addresses, and they claim I owe money from an older address, they have created new billing accounts for them. I have asked for explanation and payment history and they can not provide to me and send me to archived accounts department who can not give me prof either just a paper bill with a balance from an old account. If the system is so outdated and archived this is an old account and keeps getting re-newed or updated to a newer debt on my credit report. I would like this to be resolved and removed from my credit.
|
| 10/12/2017 |
Yes |
- Debt collection
- Other debt
|
- Written notification about debt
- Didn't receive enough information to verify debt
|
|
Web |
Servicemember |
|
On XXXX XXXX, my credit report added a collections account for {$100.00} by Stellar Recovery, listing the open date as XXXX XXXX by XXXX XXXX as the original debtor.
I immediately contacted this company because I have n't had a XXXX account for nearly 3 years. This company is verbally abusive. When I inquired as to what this was for they provided inaccurate information. They advised me this was a prorated balance that was placed on my account as a result of me canceling my services to early.
When I asked for proof they said they emailed it to me on XXXX and XXXX. I advised that I never received an email or any other documentation. They did not care and demanded I pay the amount.
I agreed and asked how soon would it take for it to be removed from my credit report. The representative, XXXX XXXX XXXX said it would never be removed from my credit report.
I have contacted XXXX XXXX. It is confirmed there was a mistake on the cancelation date and that the rep who terminated my services did not put my forwarding address in the account or make any notes like they should have. The balance stated as owed is inaccurate and I have never been provided an opportunity to correct this or pay any amount owed prior to it being placed and adversely effecting my credit report/rating.
|
| 05/17/2016 |
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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Son ( who is XXXX ) lived at a different address during 2013. I am XXXX, but we have similar names.
XXXX is looking for money from him and turned it over to a debt collector. ( XXXX in 2 years, although XXXX ) For the last XXXX 9 months, they call twice a day and never say anything and just hang-up. They sent letter but figured it was a scam as I have Excellent Credit. Looked at my credit report today and sure enough, Stellar Recovery dinged my credit! I called their XXXX number and explained that this debt is not mine, that i have lived at same address for XXXX years and the address they are trying to collect for is not even in this town. My XXXX Account is current and on Auto-pay! Once again I have filed a complaint with the XXXX will also file with XXXX office for fraudulent reporting to a credit agency. Last year it was XXXX, XXXX XXXX XXXX, XXXX, XXXX XXXX @ XXXX. Took 6 months to clean up. Now this year it is Stellar Recovery, XXXX XXXX XXXX, XXXX, XXXX XXXX phone XXXX or XXXX ... Also show a XXXX address : Stellar Recovery, XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX, XXXX XXXX..Are these XXXX companies in bed with each other and XXXX? Seems odd that XXXX can sell old debt over and over again and XXXX innocent consumers over in the end. Should be a law against!!!
|
| 03/10/2016 |
Yes |
- Debt collection
- Other (i.e. phone, health club, etc.)
|
- Cont'd attempts collect debt not owed
- Debt is not mine
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|
Web |
|
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After canceling my account with XXXX, I returned a rental modem using a tracking label they provided. After shipping it, I found out many months later I was being charged for it through a collections agency. I disputed the claim, but recently I discovered the debt has been transferred to a different debt collection agency.
I have contacted the XXXX representatives many times over the phone, which has transferred me continually between departments. Everyone can verify I was a customer and rented a modem, but no one can give me any information about the shipping label they sent me. According to them I did n't return it, but can provide no proof I did not use their shipping label. They refuse to give me this information and insist on requesting information over the phone despite no department providing this and frequently being dropped between transfers. I recently sent out XXXX certified letters disputing the claim to their corporate office and a billing center, but have received no reply. Online chat support has only directed me to tech support number, who could provide this information. After calling the number, the technician said he did not have this information, but could forward me to customer support, which I 've already spoken with several times.
|
| 06/24/2017 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt was paid
|
|
Web |
|
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I am disputing this collection account by Stellar Recovery Inc. and XXXX XXXX because they have been paid in full. I contacted XXXX on XXXX17 and paid the XXXX that was claimed that I owed. I asked XXXX to contact Stellar Recovery and to have them update my account is paid in full and to contact the credit bureaus to have this account removed from collections and update it as paid in full. On XXXX17 I contacted Stellar Recovery Inc. about this collections account. They verified that XXXX had contacted him, and told them that I had paid the account in full and had a XXXX balance. What I requested from Stellar Recovery was for them to update their information to the credit bureau 's immediately. They only told me that they would notify the credit bureaus they would send out their information at their convenience. I do not trust this company to notify the credit bureau that my account has been paid. As long as Stellar Recovery has this account in collections on my credit report, then it is still viewed as derogatory information. I want sSellar Recovery to update my account is paid in full with a XXXX balance immediately and not at their convenience. Stellar ' information is listed below. Stellar Recovery Inc. XXXX XXXX XXXX # XXXX XXXX, MT XXXX XXXX
|
| 01/10/2018 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt was already discharged in bankruptcy and is no longer owed
|
|
Web |
|
|
I am currently under chapter XXXX Bankruptcy proceedings, which was filed on last XX/XX/XXXX. I had included a debt from XXXX XXXX XXXX TV programming in the amount of {$350.00} and had the Bankruptcy court notify them and their collections agencies at the time via The Court proper channels. But out of the blue on XX/XX/XXXX I received an email to my private personal email account without my authorization from Stellar Recovery, INC. demanding payment for such account. After immediately contacting them and explaining that they were trying to collect on an account that was already included in chapter XXXX US Bankruptcy court and had no business collecting on, I was assured in writing by one of their employees that " they will remove '' all of the negative information from the credit bureaus. Today is the XX/XX/XXXX, a month later and nothing has been updated with the credit bureaus as of just yet. What is more infuriating is the fact that this collection agency, went as far as reporting this to the credit bureaus as a new account altogether on XX/XX/XXXX in total violation of the US Bankruptcy Court, and this was without waiting from a response from me personally, which by law it should had been 30 days after receiving notification from them.
|
| 08/18/2017 |
Yes |
- Debt collection
- Other debt
|
- Written notification about debt
- Didn't receive enough information to verify debt
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|
Web |
|
|
I have amazing credit. One day my score dropped and I went to see why. XXXX XXXX had a collections for {$70.00} on my report. I have n't had a cable account in a few years. This is Money I was never asked to pay and do n't believe that I owe. I told the collections company and wrote a letter to dispute and it was removed. Now it is appearing again through Stellar Recovery Inc. I disputed with them and opened a case with the BBB ( Finalized XX/XX/XXXX ) They said they would send verification of debt but I never received. Not to mention, you can show me a bill all you want. I ALREADY SAID THIS IS NOT SOMETHING I WAS AWARE OF! How can I pay a bill i did n't see until it was on my credit report? Furthermore, the date of collections on my report is WRONG. It shows the day that Stellar acquired the collection NOT the orig. date. This is not legal and should be REMOVED FROM MY REPORT DUE TO ILLEGAL PRACTICES. This is stright from XXXX : " Federal law requires that collection agencies report the original delinquency date from the original account. Because the original delinquency date does not change, the seven year time frame does not start over when an account is sold or transferred to a another lender or collection agency. ''
|
| 08/07/2017 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Account status incorrect
|
|
Web |
Servicemember |
|
I noticed that there was a new collection account on my credit report and when I went through the information I noticed this was not actually a new collection account but an account that was transferred to a new collection company. The company is Stellar Recovery and the original creditor is XXXX XXXX . The amount is {$460.00}. This debt had previously been reported by XXXX XXXX starting in XX/XX/XXXX . Stellar Recovery is reporting this as a new collection. I contacted Stellar on Monday XX/XX/XXXX in order to have them fix this information and they said because they just received this account it is a new collection. I contacted XXXX and XXXX on XX/XX/XXXX to have them look into this information and they told me they could not help me. On XX/XX/XXXX I contacted the CFPB and they told me to file a complaint. I feel that this is an attempt to reage this account as the account numbers were also changed and it is being reflected on my credit report as a new account even though this debt had been previously reported on my credit report through another company. I need help with this and having this information corrected as my credit report dropped XXXX points for this account and wrong information.
|
| 05/18/2017 |
Yes |
- Debt collection
- Other debt
|
- Written notification about debt
- Didn't receive enough information to verify debt
|
|
Web |
|
|
Hello, I have a {$62.00} account from XXXX for a final bill currently in collections with Stellar Recovery. I was about 1 month late for paying the bill to XXXX and XXXX apparently put my account in collections. I was not aware of this, but began making smaller payments to XXXX for 2 months in a row once I was able to. The day I found out about my collection via XXXX XXXX , I contacted the collection agency. I wanted to do a pay for delete, as I was never notified of my account going into collections. The collection agency said they give a grace period after sending out notification of collections before reporting, therefore, they do n't do pay for delete. However, I am very frustrated with this, because I NEVER received ANY notification either from the original company, or the collection agency that I had an account in collections. I was continuing to pay XXXX and was never notified about the account going into collections. I would like to pay the debt, but want it deleted, as I was n't every notified, despite making payments. I have contacted the collection agency twice about this, but they have stated they will not delete the collection in exchange for my payment. Thank you for your time.
|
| 11/10/2016 |
Yes |
- Debt collection
- Other (i.e. phone, health club, etc.)
|
- Disclosure verification of debt
- Right to dispute notice not received
|
|
Web |
|
|
After pulling my credit report I found that I had a collection account from Stellar Recovery Inc . I reached out to them at XXXX and spoke with XXXX representatives. The first agent I spoke with in regards to this matter was unable to locate an account. After getting annoyed by the situation I was then transferred to XXXX who was able to locate the information. When trying to find out why I was n't given the proper notification so I am able to handle the matter at hand I was informed that not only did they not have the correct address on file which the vender Century Link does have to proper address on file. I asked if they verified any information and was informed they did not. I then proceeded to figure out why they went against FTC collections policy and what it was going to take to get this handled and removed. They told me they would not do anything and if I pay it they will just mark it as paid on my report. I also found that they shared my information with XXXX parties which I did not agree to.
By law all this information was supposed to be verified by the vender including the mailing address. This company failed to follow those compliances the demanded that I pay it so they can mark it as paid.
|
| 03/16/2016 |
Yes |
- Debt collection
- Other (i.e. phone, health club, etc.)
|
- False statements or representation
- Attempted to collect wrong amount
|
|
Web |
|
|
I sent payment for a bill via mail when I called to inquiry why payment had not been applied I was informed that I had post dated my check for the month of may. I informed the rep that was incorrect and the payment was to be applied XXXX/XXXX/16 ; I authorized them to change the date if incorrect and withdraw payment of {$90.00} listed on check. At the time I was offered to also set up payment for the remaining balance, I inquired if this would incurr a fee because payment over the phone stated it had a fee? I was informed by their employee that since they had the information and were processing a payment, the administrative fee would be waived. I asked again if she was sure of the procedure because I understood there was a {$9.00} administrative fee otherwise I would just mail a check. I was assured that would not occur. Upon checking my financial balance I noticed an electronic check withdrawl for a {$99.00} fee. I immediately called and spoke to a supervisor and was told that was incorrect, he had to check the tapes of the conversation. I would be refunded my {$9.00} but he was unaware of when that would happen. It may take time for them to return my money that I did not agree to have them withdraw.
|
| 12/30/2016 |
Yes |
- Debt collection
- Other (i.e. phone, health club, etc.)
|
- Disclosure verification of debt
- Not given enough info to verify debt
|
|
Web |
|
|
On XX/XX/XXXX I was shocked to discover a collection account on my credit report from Stellar Recovery Inc in the amount of {$100.00}. The original creditor listed is XXXX, an internet service provider I had business with earlier in the year at a prior address. XXXX continued internet service past the date services where to discontinue do to me moving. Furthermore, they continued to bill me for this service without ever sending me a new invoice for the charges. I never received any written communication from either XXXX nor Stellar Recovery Inc. indicating I had this balance due. Today, XX/XX/XXXX, I called and spoke with XXXX XXXX at Stellar Recovery. Despite confirming they have my correct address, he advised that they are unable to provide me with any copies/proof that any dunning letter was ever sent to me informing me of these charges. This is unacceptable. A collection company can not report a collection to the credit reporting bureaus without first sending a dunning letter advising someone their is a claim against them. Furthermore, Stellar is refusing to acknowledge their mistake and remove this bogus collection account ( even when I offered to pay the full amount they claim I owe ).
|
| 05/07/2016 |
Yes |
- Consumer Loan
- Installment loan
|
- Problems when you are unable to pay
|
|
Web |
|
|
In XX/XX/XXXX signup with XXXX was told it would work in the area I was living and that I had thirty days to return it- I returned it almost immediately and went with another provider -- he did not work correctly, connecting issues and dropping issues. I called customer service several times finally they agreed since we where out on the plains there could be connection or service problems in that rural of area. They told me what to do to send it back and I did. Only to discover years later 3 yrs later- they filed it into collections as if I didnt do something. I have tried to discuss and get it removed- collection agency refuses- I even talk with XXXX XXXX. This collections is wrong. Please review my credit I may get behind on Medical as Medical is sooooo hard but everyone of my consumer accounts get paid.
STELLAR RECOVERY XXXX XXXX XX/XX/XXXX Open {$430.00} Account Details Last Reported XXXX Collection Agency STELLAR RECOVERY Original Creditor XXXX XXXX Status Open Opened Date XX/XX/XXXX Closed Date -- Responsibility Individual Balance {$430.00} High Balance {$430.00} Remarks Placed for collection Creditor Contact Details STELLAR REC XXXX XXXX XXXX XXXX XXXX XXXX, MT XXXX ( XXXX ) XXXX
|
| 10/14/2017 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Account information incorrect
|
|
Web |
Servicemember |
|
XXXX and XXXX Did a investigation after I reported to them that this company was reporting I owe XXXX for a previous company XXXX XXXX.
I sent a dispute and both credit agencies utilized the 30 days to investigate the company debt was removed I was notified Two months later same company Stellar Recovery reports again and both bureaus allow this but report as new and a different amount by XXXX I call Stellar tell them to stop reporting wrong information and that I have n't had XXXX and they said were not reporting anything I got no place with stellar theynsaid it must be fraud I said yes someone used my name apparently I contacted XXXX and really got no place after requesting a contract and anything they could give as proof to send to authorities and I got no help just transferred all over I asked the two credit bureaus to delete the collection off my credit and block Stellar and nothing done also I questioned how could you allow them to report again by just changing the amt I 'm in the middle of purchasing a home and this has caused my score to drop and I have 2 weeks to rectify this error I asked them to delete immediately it 's fraud Stellar XXXX XXXX XXXX fl XXXX XXXX XXXX Thank you
|
| 09/22/2016 |
Yes |
- Debt collection
- Other (i.e. phone, health club, etc.)
|
- Cont'd attempts collect debt not owed
- Debt resulted from identity theft
|
|
Web |
Older American |
|
I received a letter from yet another collection agency regarding an account in my name that was fraudulent and the result of identity theft. I called the collections company and explained that there has already been another collection company which has dropped this matter due to ID Theft. They stated that they received the collection from XXXX. I told the agent I spoke with at the collection agency that they are not to contact me in any manner again about this matter and that I was filing two complaints today with CFPB- one re : their agency and a seperate one about XXXX . I have been dealing with ID Theft for over two years and I have placed freezes on all my credit reports, I have made police reports, reported it to the FTC and made several complaints on this website. I am weary of all this and I need some relief.
This is regarding an account someone opened in my name and with my information in XXXX XXXX, FL at a fraudulent address. I am not sure if it was for cable tv, internet, phone, or what, but XXXX definitely does not do due diligence in opening accounts. They should not have been ABLE to open an account in my name due to a security freeze on all my credit bureau information.
|
| 02/13/2016 |
Yes |
- Debt collection
- Other (i.e. phone, health club, etc.)
|
- Cont'd attempts collect debt not owed
- Debt is not mine
|
|
Web |
Older American |
|
Dish company has tried to collect a debt I do not owe. Dish turned me into collection agency early last year and after I provided all documentation the collection agency at that time removed me from the debt. This was removed in XXXX XXXX. Now a XXXX collection agency is trying to collect this " so called '' debt again. It is possible for you to look at the XXXX main credit card reporting companies to review my case. I thought when this was removed from my report that year I was done with this case, Some of the paperwork or documentation I no longer have as I did n't think I would need. Can I bring legal action against the XXXX XXXX for trying to ruin my credit. If you look at my credit reports you will see I have excellent credit. Also the collection agency XXXX has now gone through did n't even bother to send me a letter or any correspondence that this was going on my credit report. The balance XXXX say I owe is {$430.00} which is very much not correct. This case started back in XXXX of XXXX. Please advise what to do. This is so wrong what I have been through with this company. Would love to expose this company for their rotten tactics. Please advise. thank you
|
| 11/06/2017 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt was paid
|
|
Web |
|
|
Date : XX/X/2017 Amount : {$170.00} Action Taken : Made payment to XXXX and advised by XXXX Representative the account would be removed from credit report. Stellar Recovery refuses to remove the account as promised by XXXX.
There was a collection item on my credit report from XXXX that I was not aware of. I did the online chat with XXXX and the representative from XXXX told me if I paid the account in full they would remove the item from my credit report. I called Stellar Recovery to let them know that I paid the account and to let them know XXXX confirmed with me that the account would be removed. The representative from Stellar Recovery told me she would not remove the account from my credit. I told her I had the transcript of my conversation with XXXX along with the confirmation that I paid and she continued to let me know the account would not be removed. When talking to the XXXX representative he confirmed with me more than one time that this account would removed from my credit report. I do not have what else I can do as I was told by the representative that it would be removed. I have a copy of the transcript and confirmation of the payment if needed.
|
| 11/25/2016 |
Yes |
- Debt collection
- Other (i.e. phone, health club, etc.)
|
- Disclosure verification of debt
- Right to dispute notice not received
|
|
Web |
|
|
I had an unpaid XXXX bill of {$76.00} from 2014 from an address that I had not lived at since then. Since I did not live there, I did not receive any mail about the collection of the debt. Unknowing to me, it was sold to a debt collector, " Stellar Recovery '', and although they claimed to have attempted to contact me, I did not learn of the debt until applying for a credit card. In the time Stellar owned the debt, they claimed to have called me but I never received any voicemails or no consistent phone calls from any XXXX number. Once I contacted them, they never notified me of any right to dispute or any other option besides paying the debt in full. I did this but then was told by my banker that I should ask for a Pay to Delete option. When I called back I was told that they were not able to do this but after further research I learned that they could. The Paid in Full is still negatively affecting my credit report. I am a XXXX XXXX XXXX who just XXXX with little knowledge of the collections process and thought that Stellar Recovery 's handling of the situation was criminal in that I received no legal info about my options besides paying the debt in full.
|
| 01/18/2017 |
Yes |
|
- Incorrect information on credit report
- Information is not mine
|
|
Web |
Older American |
|
Around XXXX or XX/XX/XXXX, I had received a bogus billing from STELLAR RECOVERY # XXXX regarding a {$230.00} bill with XXXX. I immediately called Stellar @ XXXX XXXX XXXX XXXX, explained that I had never had an account with XXXX XXXX and received their statement that their records would be corrected and the matter would be resolved. Shortly thereafter, I received a bill from my XXXX Credit Card and I noted that my FICO d fallen about XXXX points to the XXXX range, so I ordered my free credit reports from the XXXX credit bureaus to investigate the situation. I received the credit reports and noted the bogus report from STELLAR RECOVERY on XXXX reports, XXXX, so I filed disputes with both companies XXXX had the item deleted, but XXXX just added a note that " acct was disputed by Consumer '' with a removal date of XX/XX/XXXX. On XX/XX/XXXX I filed a second dispute with XXXX and n XX/XX/XXXX I sent a formal complaint to STELLAR RECOVERY, with no reply to date. My FICO score remains at the mid XXXX, due to this bogus reporting by STELLAR. Your assisting in deleting this bogus report from my TransUnion account would be greatly appreciated! Sincerely XXXX XXXX
|
| 11/01/2017 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Account information incorrect
|
|
Web |
|
|
I sent Stellar RECOVERY a dispute to the listed address in my credit file on XX/XX/XXXX which was delivered and picked up on XX/XX/XXXX.
They put the account in dispute but failed to send me any competent evidence bearing my signature, showing that I have or ever had some contractual obligations to pay them.
Stellar Recovery Refuses to ACKNOWLEDGE and Cease and Desist there EXTORTIONATE, Character defaming and libels slanderous Activity. Not only is their activity defaming my character, damaging my ability to obtain credit for personal family or household purposes, but it is also obstructing my ability to do business in XXXX.
XXXX XXXX are still reporting incomplete, and inaccurate information.
FOR STARTERS, they are reporting an high balance {$230.00} that is inaccurate with the balance of {$230.00} because no payment was ever made to them in order to establish the price deduction.
They 're reporting an inaccurate Date open, and TERMS because there is no CONTRACTUAL agreement that was ever established.
INCOMPLETE ACCOUNT number and payment history On XXXX No high balance, NO missing monthly payments, NO estimated REMOVAL date ...
|
| 10/10/2017 |
Yes |
- Debt collection
- Other debt
|
- Written notification about debt
- Didn't receive enough information to verify debt
|
|
Web |
|
|
I got a notification that I had a new account in collections and I saw that it was from my cable service from almost 2 years ago for a small amount of {$27.00}. I disputed the information with XXXX because I had no knowledge of this, but the dispute came back verified. I decided to contact the collection company, Stellar Recovery Inc., where they let me know what the debt was for. I told them I never received any bill from the original creditor nor any sort of correspondence from the collection agency since XX/XX/XXXX, when my debt originally began and it is now XX/XX/XXXX. Now all of a sudden this is showing up on my credit for a measly {$27.00}! The collection agency then told me they EMAILED me my collection notice. Emailed?! They then told me it probably went to my spam folder. Excuse me, but you 're talking about my credit that is at stake and the correspondence probably went to my spam folder? That is not sufficient notice in the almost 2 years and now this will be on my credit for 7 years. Unacceptable. I have searched my email and I have no email from Stellar Recovery , Inc . I would call this unfair debt collection practices.
|
| 06/14/2016 |
Yes |
- Debt collection
- Other (i.e. phone, health club, etc.)
|
- Cont'd attempts collect debt not owed
- Debt was paid
|
|
Web |
|
|
Debt was paid/ settled in full. The company agreed to remove the debt from my credit report. Instead, the company updated the credit report to show I paid. This is unacceptable. I spoke to a XXXX XXXX and stated they will report it to the credit bureau. I would not have paid a dime unless the item was going to be fully removed. I had no idea what this debt is, but {$84.00}? Really? had they contacted me by phone or my address since what they had on file was a old apartment I lived in XXXX years ago. I was made aware when a mortgage lender pulled my credit report. So, I had to reach out to the original creditor to see if I can fix this with them update my address even tho I do not have XXXX anymore. Then, was told that Stellar recovery had the collection now and there was nothing they can do for me. I likely would have simply paid them to avoid poor marks on my reports. This company blatantly broke laws outlined in the Fair Debt Collection Practices Act, and I EXPECT this to be made right by me. After reviewing several websites, this company has a track record for shady practices and unfair collection practices.
|
| 08/03/2018 |
No |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
Older American |
|
About XX/XX/XXXX, I was informed on a credit report that I had an outstanding debt from XXXX Cable Company for {$180.00}. The information about my name, address, and last digits of my social security number were incorrect. Around this time, I had been a victim of identity theft. I completed a police report, which named the debt collections company, Stellar Recovery, on XX/XX/XXXX. The police investigation dated XX/XX/XXXX, ended with no results.
I wrote XXXX about the discrepancy on my report The reporting Bureau since placed this account in " dispute. '' They also placed my name, address, and last digits of my soc. sec. number in " dispute. '' Despite the fact that XXXX eventually reported the account is " deleted '' from my report on XX/XX/XXXX, I continue to be contacted by collection agencies. I sent a letter to all the credit bureaus -- XXXX, XXXX, and XXXX -- dated XX/XX/XXXX to reinvestigate the disputed debt or delete it completely according to the provisions of the Fair Credit Reporting Act.
I am currently still trying to resolve this matter, which impacts my credit for {$180.00}.
|
| 04/25/2015 |
Yes |
- Debt collection
- Other (i.e. phone, health club, etc.)
|
- Disclosure verification of debt
- Right to dispute notice not received
|
|
Web |
|
|
On the morning of XXXX/XXXX/2015 I decided to check my credit on XXXX XXXX. I was shocked to see that my credit report contained a collection account from Stellar Recovery for the amount of {$120.00} as this was the first time I had been made aware of the outstanding debt. Stellar Recovery, Inc never once made contact with me through XXXX mail, not even a single phone call. The status of the collection account on my report reads " open '' with an open date of XXXX XXXX, 2015. Had I not logged onto XXXX XXXX, I would have never known that this debt even existed. I contacted Stellar immediately and spoke with a representative. I told her that I would need to contact XXXX before paying anything as I did not realize that there was a balance on my account at the time it closed. She informed me that " XXXX has nothing to do with this account anymore and that XXXX does not have record of it '', I also asked her what account # to use in reference to this debt and did not receive an answer. The REAL problem here is that I was not informed of the debt before they reported it to the credit bureaus.
|
| 03/16/2016 |
Yes |
- Debt collection
- Other (i.e. phone, health club, etc.)
|
- Cont'd attempts collect debt not owed
- Debt is not mine
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|
Web |
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These XXXX companies are continuing to request payment for accounts that I do not owe.
{$140.00} from Stellar Recovery and {$36.00} from XXXX XXXX XXXX.
These were previously disputed with other agencies as well. So, since they were blocked from trying their scams with those CRAs, they have moved over to XXXX.
This needs to be removed ASAP.
I am unaware of the accounts and have no verification this debt is mine. I only know of this account based on it being reported in my credit report ( s ).
.We both know they are the source reporting this account and have the absolute right to report it, not report it, or delete it from all reporting agencies. They refuse not to. There has been previous take down requests to which they have replied, done so, and resubmitted the debt. Over and over. They wait for a small period of time and then resubmit, thinking it will not be noticed.
I will contact the Attorney General against XXXX, XXXX and XXXX and both of these companies if this is not resolved NOW!
ALL references regarding this account must be deleted from ALL reporting agencies. Since
|
| 08/08/2015 |
Yes |
- Debt collection
- Other (i.e. phone, health club, etc.)
|
- False statements or representation
- Attempted to collect wrong amount
|
|
Web |
|
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Stellar Recovery, Inc. reported a collections account to the XXXX credit bureaus in XX/XX/XXXX, identifying XXXX as the original creditor. When I called Stellar for information on the debt, I was told it was a debt from XX/XX/XXXX in the amount of {$440.00} and previously had a high balance of {$520.00}. I then called XXXX and spoke to XXXX other people, XXXX claiming I owed {$27.00} and another claiming I owed {$720.00}. This is a debt from 5 years ago, and XXXX never contacted me saying that I owed anything! I ca n't verify if the debt is valid because the companies tell me different amounts. I was in the process of purchasing a house when this was reported on my credit and I lost the sale and the pre-approval from my lender. The collection agency is completely misrepresenting my current position as a borrower by reporting the debt as new in XX/XX/XXXX, yet saying telling me the account became delinquent in XX/XX/XXXX. To top it all off, my wife just had a false collections account reported by Stellar Recovery removed from her account. How can they be allowed to do this to people?
|
| 11/15/2017 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt is not yours
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Web |
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In XXXX of 2015 I was offered XXXX XXXX service at my new house for {$40.00} a month, I was also told that if I was not satisfied I could cancel in 30 days and not be charged. My first bill came in the mail for twice that amount. I immediately canceled because when I called to discuss the disputed amount they refused to honor they 're original {$40.00} price. They said I needed to send the equipment back as well but never gave me a box to do so. I went to a XXXX XXXX store, they refused to give me a box. Eventually, I got XXXX XXXX to send me a box and returned the equipment. Over the course of the next several years, I have continued to receive collection calls and notices stating I owe them money ( currently {$59.00} ) and have repeatedly called XXXX XXXX and discussed the issue with them. They continue to not take responsibility to the miss charge and here we are again. XXXX XXXX has sent the collection to a company called Stellar Recovery Acct. # XXXX ( this time anyway ). I am tired of dealing with this company and obviously do not want it to reflect on my credit score/report.
|
| 11/16/2016 |
Yes |
- Debt collection
- Other (i.e. phone, health club, etc.)
|
- Cont'd attempts collect debt not owed
- Debt was paid
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|
Web |
|
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I filed for dispute of a collection placed against me from XXXX for XXXX for a debt that was setteled at time of account closure due to damages caused to my home and theft during an alarm install. My thermostat was taken with them when they installed thier system and the drilled holes through my shutters to mount a camera without my authorization. XXXX agreed to cancel my contract as well as close my account with zero balance due to the above situation. The dispute cleared from the previous debt collection agency and was taken off my report. Now a few months later a new company called stellar recovery inc . It is to my understanding that once removed a new company can not refile and place back on your credit report. I have now redisputed as it caused my credit score to drop almost XXXX points. XXXX has already deleted XXXX is pending and has not shown back up on XXXX. I am seeking help to stop this from reoccuring as it has damaged my credit severely and as I have read an illegal act on stellar recoverys part to reissue to creditors as negative information on my report
|
| 11/22/2016 |
Yes |
- Debt collection
- I do not know
|
- False statements or representation
- Attempted to collect wrong amount
|
|
Web |
Servicemember |
|
I discontinued service with XXXX and they pressured me into holding onto their equipment for no-charge. I told them I 'd consider service again at some point, but I was already under contract with XXXX. They called me constantly about their " deals ''. I repeated numerous times that I would consider their service again once I was out of contract with XXXX and they stated they would n't charge me anything for the equipment. I told them I would immediately send the equipment back if I would be charged any kind of fees. This went on for months without a problem. They assured me that I would n't be charged. Then I started getting miniature charges of {$6.00} here or there. I told them I would send the equipment back and they kept billing me for " maintenance '' fees on the account even though I was no longer under contract for TV service. Apparently there 's a debt of {$21.00} for needing to " service '' my account even though I did n't have TV service with them anymore. I owe them nothing, but they have turned it over to a collection agency called Stellar Recovery Inc .
|
| 02/08/2016 |
Yes |
- Debt collection
- Other (i.e. phone, health club, etc.)
|
- Cont'd attempts collect debt not owed
- Debt was paid
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Web |
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I had my XXXX services back in XXXX and had services bundled internet, cellphone XXXX XXXX XXXX, XXXX XXXX XXXX XXXX. My family and I decided to downsize and move. When we moved we removed TV and Cell services and only had internet. Months later I found I had a collections account through Stellar Recovery, Inc. for XXXX for XXXX XXXX I called XXXX and found that the service was for cell service, which was through XXXX. So I called XXXX and was told that they were showing all XXXX amounts were current and paid, however XXXX was showing otherwise. By this time it was to late and was already reporting negative on my credit. I recently disputed this with XXXX XXXX, and XXXX. XXXX had the accounts removed after investigating while XXXX showed it to be still reporting. I refiled an investigation with XXXX today. I do not owe this money ( XXXX $ ). This was a miscommunication issue between the XXXX companies and am not liable to pay this as I did pay in good faith. I would like this to be removed entirely for all XXXX bureaus on my credit and investigated.
|
| 07/28/2017 |
Yes |
- Debt collection
- Other debt
|
- False statements or representation
- Indicated you were committing crime by not paying debt
|
|
Web |
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I applied for a job in XX/XX/XXXX, 2017. I needed FBI clearance. The result of my clearance ( great! ) came from the potential employer. To my surprise, there is a {$1000.00} account in collections from XXXX XXXX. I have never had a XXXX XXXX account in my life. I have never been notified of a debt from XXXX. I called the company ( after XX/XX/XXXX ) who was listed as the collection agency : Stellar Recovery, Inc. XXXX XXXX XXXX XXXX, XXXX. MT XXXX.I spoke to a representative whose name I forgot to write down. I asked who? What? When? Where? How? She knew nothing. She placed me on hold for 20 minutes but could not find anything on this debt. I asked to speak to a Supervisor. I spoke in great length to XXXX XXXX. He could not find anything, but promised to get more information from the creditor. I have called him several times to follow up on our initial conversation, but can never get him on the telephone. This is very disturbing. Had I not needed FBI Clearance, I wold have never know of this debt because it does not show on XXXX XXXX. I need help.
|
| 10/01/2017 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Problem with a credit reporting company's investigation into an existing problem
- Their investigation did not fix an error on your report
|
|
Web |
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I XXXX XXXX believes that I should have been notice from Stellar Recovery , Inc. that there was a balance to my account. I simply have no idea how this balance could be so large. However, XXXX is a public utility, and they are governed by a state public utility commission, not by federal Fair Credit Reporting law. Accordingly, I request a full accounting of the XXXX debt, in addition to a signed agreement or assignment from XXXX to Stellar Recovery , Inc . If there was never a true assignment, then the collection has to start from scratch, and I must be given notice that XXXX intends to turn the matter over to a collection agency. This item should go through the proper legal procedure before its placed back on any of my credit reports. I request XXXX and XXXX to mandate from this subscriber to follow the proper collection procedure as stated in FTC XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX.
THIS ITEM NEEDS TO BE DELETED AND GO THROUGH PROPER PROCEDURES AS MANDATED THROUGH THE SUBSCRIBER AGREEMENT STELLAR HAS WITH EACH CREDIT REPORTING AGENCY!
|
| 10/18/2016 |
Yes |
- Debt collection
- Other (i.e. phone, health club, etc.)
|
- Cont'd attempts collect debt not owed
- Debt was paid
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Web |
|
|
Describe what happened so we can understand the issue ...
In XXXX 2015, I closed an account with XXXX because service was not available in the area I had recently moved to. Upon terminating the joint contract with XXXX and XXXX, I was told that my final bill was paid in full. In XXXX, I received a notice from XXXX, a debt collection company, notifying me that an account of mine had been placed with them for collection. When I called XXXX to dispute, I was informed my failure to pay had already been reported to credit bureaus. When challenged, the XXXX representatives said there was nothing they could do to reverse this. As of late XXXX, XXXX was cooperating with pending CFPB complaint. As of XXXX, XXXX claimed to have no knowledge of this debt ... at the same time, XXXX XXXX stated they no longer held the account and could not provide any information. On XXXX XXXX, I received another collections notice from Stellar Recovery. The repeated dodging of my complaints and shuffling of my account is making this issue next to impossible to solve.
|
| 02/13/2018 |
No |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Information belongs to someone else
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Web |
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I disputed this debt with Stellar Recovery INC with no resolution. I sent a certified validation letter on XX/XX/ in regards to this collection in the amount of {$18.00} being reported on my credit report. I respectfully requested a validation in which I have the right to request due to the debt you say I owe under the pursuant to 15 USC 1692g Sec 809 ( b ) of the FDCPA. XXXX XXXX received the certified letter on XX/XX/ and has yet to respond to my request.
I am requesting proof that I am indeed the party you are asking to pay this debt, and there is some contractual obligation that is binding on me to pay this debt. I have no contractual obligation with this company but yet they continue to report to all three credit bureaus in which is unlawful being that they failed to validate the debt. This debt constitutes defamation of character, as negative listing on my credit. I requesting they provide me with evidence that I have any legal obligation to pay or promptly delete all information from my credit file which can not be validated.
|
| 09/11/2015 |
Yes |
- Debt collection
- Other (i.e. phone, health club, etc.)
|
- Cont'd attempts collect debt not owed
- Debt resulted from identity theft
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|
Web |
|
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A fraudulent account was opened in my name at an address I have never lived at. I first found out about it in a collection letter that was mailed to my real address. I contacted XXXX XXXX the account ) spoke to their fraud department, was issued a escalation ticket, filled out and returned to them with supporting documents they requested. XXXX received documents, closed the ticket and 5 months later, I received another collection letter. I called XXXX back, they confirmed the documents were received, the ticket closed and they will notify the collection agency. I called the collection agency gave them my facts, they said XXXX has not notified them, will close and send it back to XXXX. Fast forward to today, 10 months later I receive another collection letter from another collection company, same XXXX account number, same $ amount. I have spent the last XXXX hours on the phone with XXXX going from department to department with no resolution. Finally I was connected to the FTC who suggested I contact this bureau for resolution.
|
| 08/26/2017 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Problem with a credit reporting company's investigation into an existing problem
- Difficulty submitting a dispute or getting information about a dispute over the phone
|
|
Web |
|
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on XX/XX/XXXX my XXXX account was send to collection with a balance of XXXX dlls that was how much the company was charging me alleging I did n't return a cable box, wich I did, when I hire XXXX as my cable provider they sent me a total of 4 boxes on the mail to connect myself, but one of them did n't work and I went to my local XXXX office to exchange it and they did, but what they did n't do was to record that I was actually returning a box, when I cancelled my service I had to return 4 boxes but they were saying it was a total of 5 boxes I did n't pay then, and they put me on collection after a few years on XX/XX/XXXX, I went ahead and pay the debt, that 's ok, but that 's not my complaint, my complaint its about the collection agency not deleting the record of the debt so my credit scores can go higher, the name of the company is XXXX XXXX XXXX.i called them several times asking if they can do it but my answer is always no, Hopefully you can help me and so I can be able to bring my credit scores higher. thank you
|
| 02/07/2017 |
Yes |
- Debt collection
- Other (i.e. phone, health club, etc.)
|
- Cont'd attempts collect debt not owed
- Debt was paid
|
|
Web |
Servicemember |
|
When I lived at my prior address on XXXX XXXX, I contracted XXXX XXXX for internet services. After about 30 days of service we canceled our plan and paid out the account in full to have our service agreement fully closed.
About 2 years ago, XXXX XXXX began attempting to collect on unpaid service for the months following the cancelation of the plan, and a new early termination fee. We disputed the charges directly with XXXX XXXX and gave a copy of our payout and termination agreement. Copies of our bank account showing that the fees were withdrawn by their company and the date/time this happened.
Now every few months a new collection company calls, adding fees and service charges to the " debt '' illegally inflating the already invalid debt.
No matter how many times we ask them to take us to court for a final settlement, they keep sending it to new debt collectors that only want money. As soon as I ask to go to court for final settlement it is passed along, jacked up and ran through my credit again and again.
|
| 06/14/2015 |
Yes |
- Debt collection
- I do not know
|
- Disclosure verification of debt
- Right to dispute notice not received
|
|
Web |
|
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On XXXX XXXX, 2015 I received a letter from XXXX XXXX XXXX stating that I owed a debt for XXXX. I mailed them a letter via certified mail on XXXX XXXX, 2015 for a request for Validation of Account. As of XXXX XXXX, 2015 I have not received a response for validation.
Stellar Recovery called me on XXXX XXXX 2015, in an attempt to collect debt concerning XXXX XXXX. I verbally requested that they contact me through writing in the mail. To this date I have not receive any correspondence from Stellar Recovery, yesterday I received an alert from my credit monitoring and Stellar Recovery has placed a flatulent account on my credit report without sending me ANY notification prior to placing this alleged collection on my credit report. XXXX company stating that I owe for the alledged same account with different amounts owed, without sending me any validation of account that was requested has violated my rights by not sending me any written notice as requested and required under FCRA and FDCA.
|
| 07/19/2016 |
Yes |
- Debt collection
- I do not know
|
- Disclosure verification of debt
- Right to dispute notice not received
|
|
Web |
|
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On this date of XXXX XXXX, XXXX I received an alert from my credit monitoring stating that a collection account was added to my credit report. Upon reviewing my credit report, STELLAR RECOVERY INC. added this fraudulent account on my credit report again without sending me ANY notification. This account has NOT been validated after numerous written request. I file a complaint with the Consumer Financial Protection Bureau XXXX XXXX, XXXX complaint # XXXX in this complaint STELLAR RECOVERY INC stated that they will delete this account ; XXXX XXXX # XXXX, which they did comply. Since then- STELLAR RECOVERY INC HAS NOT CONTACTED ME VIA ANY METHOD nor have they sent me a signed contract as requested. They have not validated this alleged debt and for this company to reinsert is alleged debt back on to my credit report is a direct violation of the Fair Credit Reporting act, Fair Debt Collection Practices Act, 1 : USC 1692g Sec 809 ( b ) and Maryland Fair Debt Collection Practices Act, XXXX.
|
| 02/04/2017 |
Yes |
- Debt collection
- Other (i.e. phone, health club, etc.)
|
- Cont'd attempts collect debt not owed
- Debt is not mine
|
|
Web |
|
|
In 2012, I was a customer with XXXX. When I initially received service with them, somehow, and without my knowledge, they managed to create XXXX duplicate accounts. While I paid my monthly bill for the service I received this duplicate " phantom '' account started racking up unpaid bills.
Between then an now, I have been contacted by three separate debt collection companies trying to collect on what is about {$250.00}. Each time I inform them that this debt is not mine, request verification of the debt in writing, and tell them to stop contacting me. Each time, of course, they cease all action on the debt because it is clearly not a valid debt. I do not remember the name of the other collection agencies, but most recently I have dealt with Stellar Recovery out of XXXX, FL.
The initial fault lies with XXXX, however, whatever debt collection company they sold the alleged debt to also bears responsibility for passing the debt that was know to be invalid on to another agency.
|
| 10/19/2016 |
Yes |
- Debt collection
- Other (i.e. phone, health club, etc.)
|
- Cont'd attempts collect debt not owed
- Debt is not mine
|
|
Web |
|
|
XXXX originally charged for internet service at a home that I sold ( and was vacant due to renovations after the sale ). The person that purchased my home informed me of the debt when they finished renovations and tried to connect internet service. I contacted them and explained, they agreed to research and pull records and call me back, they never called me back. XXXX continues to sell the debt to various collection agencies who resubmit for collection. I have provided details, including the HUD to prove the date of sale at the address, to XXXX twice and had the debt removed both times. Now they have put it on my XXXX credit report and I have submitted the information and pending the result. The amount is {$200.00}. I am tired of having to repeatedly provide documentation for something they have failed multiple times to prove is my debt. My credit score has been negatively affected in a major way, preventing me from refinancing my home until this is cleared up.
|
| 05/23/2017 |
Yes |
- Debt collection
- Other debt
|
- Written notification about debt
- Didn't receive notice of right to dispute
|
|
Web |
|
|
The company, XXXX XXXX XXXX XXXX , Fl. reported on my personal XXXX credit report XXXX a placement for collection by XXXX , account # XXXX . ( cr edit report pages are attached ). I mailed a letter dated XXXX XXXX 2017 ( which is attached ) stating that I DID NOT RECEIVE a letter for 30 day notification to have an attempt to dispute this debt before reporting to credit agency. XXXX is in violation Fair Credit Reporting Act for failure to do so and m y credit score dr opped XXXX points ( the damage ), I further followed up with a phone call to them and spoke with XXXX XXXX , and XXXX who could not locate the account information.. I then called back again and spoke to XXXX , who said she located the account and would send me copies of the letter from XXXX and their " 30 day letter, WHICH I HAVE NOT RECEIVED as of today XXXX / XXXX / 17 . This debt needs to be removed from my credit bureau agencies, since SR violated the law.
|
| 07/27/2017 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
XXXX claims that we had signed a 12 month contract for their services. XXXX claims that we own them {$170.00} of a service contract. We never signed a contract and were in a month-to-month agreement. We asked them to provide proof that we signed a contract and they were unable or unwilling to do so. We refused to pay the {$170.00} as we are not responsible for a contract that we never signed.
XXXX sent the {$170.00} amount to a collections agency named Stellar Recovery, Inc. ( XXXX ). We called today to inform them that the amount was in dispute and that we do n't recognize them as the holders of the debt. We asked Stellar Recovery , Inc. to remove the item from our credit report until they were able to prove that we were responsible for it. Stellar Recovery refused.
It is unfair and abusive for this matter to negatively affect our credit when neither XXXX nor Stellar Recovery has been able to provide evidence that we own them money.
|
| 04/26/2016 |
Yes |
- Debt collection
- Other (i.e. phone, health club, etc.)
|
- Cont'd attempts collect debt not owed
- Debt was paid
|
|
Web |
|
|
I had a bill from XXXX that I defaulted on and made all payments to Stellar Recovery Inc for the amount of {$280.00}. I have made final payment to the account and now I am being told that I defaulted on a payment and have NFS fee 's from my payment in XX/XX/XXXX. I am being charged an additional {$30.00} to this account. The payment in XX/XX/XXXX was automatically withdrawn through my bank and I have checked with the bank and there are no return fee 's on my account. I checked with Stellar Recovery and was told I had to handle it through XXXX. I have called XXXX sent them proof and I am still being given the run around. I called on XX/XX/XXXX and was told to give them 7 days to process and they would contact me. I called again today and was told I need to give them an additional 7 days to process again. They do n't provide someone in there collections department to speak with and I am getting no where with closing this account.
|
| 03/08/2016 |
Yes |
- Debt collection
- Other (i.e. phone, health club, etc.)
|
- Cont'd attempts collect debt not owed
- Debt is not mine
|
|
Web |
|
|
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX ( XXXX ) XXXX This account has been removed from my credit reports XXXX on XX/XX/XXXX ( XXXX ) XXXX XXXX on XXXX. XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX. ( COI ) As of XX/XX/XXXX there has been a new attempt placed on my credit report for this debt from XXXX XXXX, collection company Stellar Recovery INC .
XXXX received your request on XXXX XXXX, 2015 and completed their investigation on XXXX XXXX, 2015. Please review the results carefully.
Result : Deleted - XXXX has deleted the account or record from your XXXX credit report.
If you are not satisfied with the results of your dispute request investigation, you may complete and submit a Request for Investigation directly to XXXX and XXXX at the address below, along with any supporting documentation. You may also request that XXXX and XXXX add an explanatory statement of XXXX words or less to your credit report.
|
| 03/08/2016 |
Yes |
- Debt collection
- Other (i.e. phone, health club, etc.)
|
- Cont'd attempts collect debt not owed
- Debt is not mine
|
|
Web |
|
|
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX ( XXXX ) XXXX This account has been removed from my credit reports XXXX on XX/XX/XXXX ( XXXX ) XX/XX/XXXX on XX/XX/XXXX. ( XXXX XXXX XXXX XXXX XX/XX/XXXX. ( XXXX ) As of XX/XX/XXXX there has been a new attempt placed on my credit report for this debt from XXXX XXXX, collection company Stellar Recovery INC .
XXXX received your request on XX/XX/XXXX and completed their investigation on XX/XX/XXXX. Please review the results carefully.
Result : Deleted - XXXX has deleted the account or record from your XXXX credit report.
If you are not satisfied with the results of your dispute request investigation, you may complete and submit a Request for Investigation directly to XXXX and XXXX at the address below, along with any supporting documentation. You may also request that XXXX and XXXX add an explanatory statement of XXXX words or less to your credit report.
|
| 10/26/2016 |
Yes |
- Debt collection
- Other (i.e. phone, health club, etc.)
|
- Cont'd attempts collect debt not owed
- Debt was paid
|
|
Web |
|
|
I had an outstanding balance with XXXX XXXX in the amount of {$750.00} with an original XXXX account # XXXX. I had been receiving collection letters from Stellar Recovery, and eventually I paid this account through a settlement on XXXX XXXX, 2016 in the amount of {$220.00}. I have received a settlement letter from Stellar Recovery on XXXX XXXX, 2016 and the account has still not been removed from my XXXX credit bureau as of today. It is actually showing up on my bureau as I opened the account on XXXX XXXX, 2016 and is showing a negative balance and it being late last reported XXXX XXXX, 2016 with a negative balance of {$520.00}. I am trying to purchase a home and my FICO recently went down XXXX points this month and my credit report is showing an active collection. I have tried calling Stellar Recovery and keep getting the run around every time I call them and can never speak directly to a collections manager.
|
| 04/28/2015 |
Yes |
- Debt collection
- I do not know
|
- Disclosure verification of debt
- Not given enough info to verify debt
|
|
Web |
Servicemember |
|
received call at XXXX on XXXX XXXX 2014. I answered the phone and they asked for XXXX XXXX. I said, " This is her. " They said, " I would like to verify your mailing address. " I said, " Who 's is this. " He said, " XXXX from ... '' and slurred where he was calling from.
I had to ask him to repeat where he was calling from and he said " Stellar recovery ''.
I had to ask what is stellar recovery and he said it was a collection agency and that he did not want to disclose any more information about it. I said, " Well I do not want to disclose my personal information to somebody I have no idea what it is. " He said, " I will document this '' and then he hung up.
i feel harassed, just because i dont want to give up my personal information to someone who refuses to tell me why they are calling who they are who they represent or what debt i owe, I 'm somehow being reprehended by receiving a negative documentation.
|
| 04/24/2015 |
Yes |
- Debt collection
- Other (i.e. phone, health club, etc.)
|
- Disclosure verification of debt
- Right to dispute notice not received
|
|
Web |
Servicemember |
|
First and foremost, this company never provided me the written notice I requested after initially being contacted around XXXX 2014. Their agent stated all calls are recorded and monitored and at that time assured me HE WAS LOOKING AT THE TRACKING NUMBER but never provided said number. I did not recieve the notice he states he sent out in order to respond in writing as the validity of the debt. I only paid it bc I was closing on my house and was assured it would be removed from my report. Not because I thought I legally owed the debt, but rather it seemed easier than losing my dream home. After the debt was paid, the company agreed to remove ( both original creditor comcast and stellar recovery ). However, they refuse to provide tapes on either occurance to verify and stated they would never do so even if I requested them in writing. All of these conversations have been taped according to them.
|
| 12/29/2016 |
Yes |
- Debt collection
- Other (i.e. phone, health club, etc.)
|
- Cont'd attempts collect debt not owed
- Debt is not mine
|
|
Web |
|
|
On XX/XX/XXXX I requested via telephone that XXXX terminate my account effective XX/XX/XXXX due to a pending relocation. XXXX XXXX of Indiana did not terminate my account timely and has alleged a debt in the amount of {$120.00}. I have received communication from XXXX separate collection agencies, including Stellar Recovery, each of which I have been provided a copy of the contractor 's receipt confirming pickup of my equipment and termination date as well as an accounting of my XXXX account paid in full. I also requested each to cease & desist communication with me regarding the matter. Stellar Recovery knew, or should have known, that this account was in dispute and that a cease and desist order was on place at the time of their XX/XX/XXXX communication with me regarding this matter. Stellar Recovery is in violation of the harassment provisions of the Fair Debt Collection Practices act.
|
| 01/30/2017 |
Yes |
- Debt collection
- Other (i.e. phone, health club, etc.)
|
- Cont'd attempts collect debt not owed
- Debt was paid
|
|
Web |
|
|
In XX/XX/2014 I cancelled services with XXXX XXXX and received Confirmation numbers. After services were cancelled XXXX XXXX sent me a collections notice. I contacted them, attempting to reference the confirmation numbers they had given me. The collections officer said the confirmation numbers were useless and that I owed money. Long story short I paid. Now, 3 years later, they have turned me over to collections for a modem I returned. I called the collection agency who referred me back to XXXX XXXX. XXXX XXXX confirmed that the modem was returned and assured me steps were being taken to resolve the collection agency notice.
I want this company held accountable for their oversights. What good are confirmation numbers if they say they do n't matter? These amounts they hit you for are small enough that it appears they are fraudulently trying to make you tap out to not hurt your credit.
|
| 06/22/2017 |
Yes |
- Debt collection
- I do not know
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
I applied for a mortgage and my credit was pulled. My loan officer noticed a recent collection account at stellar recoveries for XXXX XXXX. I had no idea what it was but he gave me a number and I called it. They told me i had to pay it so i did even though it was n't my debt. I researched it further by calling XXXX XXXX and gave them the account number which is XXXX. They found that the debt was not mine and under someone elses name but said i needed to call stellar recoveries to have them remove it from my credit bureau and reimburse me for the {$250.00} I paid. I called Stellar Recoveries yesterday XXXX XXXX XXXX and they said that they could n't help me because it was paid and that i could n't do anything. I contacted the loan officer and he gave me this website. Please correct my credit report as soon as possible. If any questions, I can be reached at XXXX. Thank You, XXXX XXXX
|
| 01/14/2018 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
XXXX XXXX has placed a collection item on my credit report with the credit bureaus. That collection item showed up suddenly and does not belong to me. The name on the debt is not my name, yet was the debt was still attributed to me and placed on my credit report. This is deeply problematic as it prevents me from getting a home loan.
On Wednesday, XXXX XXXX, 2018, I contacted XXXX XXXX ( through XXXX XXXX ) and informed them that the collections placed on my credit report with the credit bureaus represent a debt that does not belong to me. I informed them that the name on the account is not my name and I have never gone by that name, in fact, the surname is not my surname.
XXXX XXXX refuses to remove the item from my credit report. I need the assistance of the CFPB with getting this wrongful collections item removed so that I can move forward and be able to secure a home loan.
|
| 02/24/2017 |
Yes |
- Debt collection
- Other (i.e. phone, health club, etc.)
|
- Disclosure verification of debt
- Not given enough info to verify debt
|
|
Web |
|
|
I got a call from stellar recovery. The lady tells me that i have debt with XXXX for XXXX. I told her that this is the first time i had heard about the debt. I asked her some questions as to when this so called debt happened, she says it is from XX/XX/XXXX. I said i do n't believe that was correct last i remember XXXX was after me to turn there equipment which i did. I asked her if she could validate the debt and she said so you are disputing that this debt is valid, and i said i would like some proof and she said ok and hung up. This call was made approximately on XX/XX/XXXX. I got an email this morning that may credit score had dropped i have a collection account from stellar on all XXXX bureaus. I have so many phone calls from fraudulent outfits lately, just last week i got call from the irs saying that i owed them XXXX dollars and if i did not pay they would arrest me.
|
| 07/11/2017 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
I signed up for a specific XXXX XXXX cable service many years ago. In order to receive this service I needed a specific cable box. The cable box took three months to arrive at my property and was told repeatedly by their customer service agents that may account would be credited for the charges up to when I received the cable box. I did not pay the charges because I was suspicious that I would actually receive the credit. When the cable box finally arrived my account was not credited ( attempting to get the credit was a long and excruciating process as well. XXXX was very rude, and it took multiple hours of my time ). This debt was actually posted on my credit report, and I disputed it through the credit reporting agencies. The debt was then removed from my credit report. However, XXXX continues to provide my information to debt collectors to attempt to collect this debt.
|
| 02/22/2016 |
Yes |
- Debt collection
- Other (i.e. phone, health club, etc.)
|
- Disclosure verification of debt
- Right to dispute notice not received
|
|
Web |
Servicemember |
|
XXXX provided the worst Cable TV, Internet and Telephone Services we had ever had. We called repeatedly to find out why we could not cancel services on line. To learn we could not. So we called and called to cancel via telephone. The answer XXXX gave was they were experiencing high call volume at the time and he would have to call me back to cancel the services and pick up the equipment. XXXX never called back.
Again, I repeatedly called after getting the new service provider, to have the equipment picked up, it literally took more than a month. I explained I would not pay any charges that would be billed as a result of them not cancelling the services when I initially called to cancel and have their equipment picked up.
Now receiving bills from collection agency ( Stellar Recovery , Inc. ) for {$95.00}. Which I have no idea as XXXX has not billed me for any charges.
|
| 07/20/2017 |
Yes |
- Debt collection
- Other debt
|
- Written notification about debt
- Didn't receive notice of right to dispute
|
|
Web |
|
|
After looking/pulling my credit reports on XX/XX/XXXX, I discovered that a company called STELLAR RECOVERY INC placed a collection notice on my XXXX, XXXX, and XXXX for an account with a cable or cellular company ( Not indicated on credit bureaus ) for {$58.00}. I have not received any written notice or communication from this company and have no idea why they are trying to collect this amount from me. I have not ever heard of this company and they are ruining my credit profile. I was not made aware of the debt before it was reported to the credit bureaus. I am XXXX individual. I do not have cable service or use a commercial cellular telephone service. On my credit reports, they are listed as the original creditor, with the date of delinquency of XX/XX/XXXX. As clearly this is not my account, it needs to be deleted immediately from each of the credit bureaus.
|
| 10/29/2017 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
I noticed a debt collection by a company called Stellar Recovery for a " XXXXCellular '' account which was unpaid. I have never had an account with XXXX and I believe this was fraudulently applied to my credit report. This is negatively affecting my credit report and score. I contact XXXX and this was removed without issue. However, when I disputed the same item on XXXX the request to remove this from my report was not honored. I am aware that there was a major security breach at XXXX and based on their website, it appears that my account XXXX have been compromised ; I am confident that this is the case. Since they have not removed this fraudulent item from my report, I am reporting XXXX as well as Stellar Recovery for fraudulently applying this debt collection under my name and on my credit report. This is a complete violation of my privacy and rights.
|
| 03/13/2017 |
Yes |
- Debt collection
- Other (i.e. phone, health club, etc.)
|
- Disclosure verification of debt
- Right to dispute notice not received
|
|
Web |
|
|
An account with XXXX was opened fraudulently using my name and social security. This is the 2nd time that my information has been used fraudulently by this person. First with XXXX and now with XXXX. As a California resident I am entitled to the original documents that were used to obtain this account ( XXXX ). I called XXXX and spoke to XXXX on XX/XX/2017 from the fraud department, who said since he was in Colorado that request was invalid. I advised him I was in California and do have the right to make that request. I was looking to send the request in writing. But XXXX refused to provide me an address. I requested to speak to a manager. After waiting 20 minutes i was transfered to a voicemail. I feel that my rights have been violated. I am planning to go to the media with this breach of rights.
The fraud activity was noticed in my XXXX credit report.
|
| 07/20/2016 |
Yes |
- Debt collection
- Other (i.e. phone, health club, etc.)
|
- Disclosure verification of debt
- Right to dispute notice not received
|
|
Web |
|
|
The account number I have available is XXXX. I expect it to be deleted from all three bureaus immediately. I have never received any debt notice from this collection agency. I have paid XXXX directly in full and never authorized XXXX to share my information to any third party. When i paid XXXX, I was advised it would be deleted from my credit reports upon receiving full payment. The only reason I became aware of this collection being reported to the credit bureaus is because I had started monitoring my credit report. Stellar Recovery makes false statements, regarding the account. I have never received any notification of debt from Stellar Recovery. This is causing a financial hardship and needs to be deleted from all of my credit reports promptly. I will not consider this complaint closed until it is removed and I receive notification of this action.
|
| 10/10/2017 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Account status incorrect
|
|
Web |
|
|
I have called stellar recovery Inc. several times over the past two years. My XXXX XXXX account states and I quote This agency did not report a closed account to this bureau it was for a XXXX XXXX bill for {$39.00} which has been paid ( for over three years now ) .I have requested that stellar remove this collection from my credit report and stellar stated that they can not. I ask why and the representative said only the three credit bureaus can. So I sent in a request to the credit bureau to have it removed and it was denied, because they said stellar and I quote This agency did not report a closed account to this bureau. Im getting really tired of the back and forth with this company stellar recovery Inc. I just want it removed from my credit report! The debt has been paid in 2014. Im not understanding why its so difficult for them to remove it.
|
| 09/15/2017 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt was already discharged in bankruptcy and is no longer owed
|
|
Web |
Servicemember |
|
I Filed bankruptcy in XXXX of XXXX it was discharged in XXXX XXXX. The account that was not opened by me in the first place in XXXX ( I was stationed in XXXX XXXX GA the account was opened in XXXX, OH ) was placed in this bankruptcy and discharged. As i was checking my credit report in XXXX of XXXX I was checking my credit report for inaccuracies and found that this account has been placed on my account again. I have on XX/XX/XXXX disputed this account with all three credit bureaus. It has been 30 days after the dispute and it has yet to be removed and resolved. The company in question has never once sent me any form of written communication STELLAR RECOVERY INC Account # XXXX ( this is all that was available on my credit report ) Company : XXXX XXXX Date opened : XX/XX/XXXX Amt Owed : {$330.00} XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX ( XXXX ) XXXX
|
| 09/15/2017 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
Servicemember |
|
In XXXX I was contacted by Stellar Recovery Inc as they had bought a debt from XXXX XXXX The debt was for a DSL modem, which I had returned months before, to XXXX XXXX. I had contacted XXXX XXXX and told them that I had shipped the modem back to them, but because I did not have proof of this, they billed me for the modem. I explained to the Stellar Recovery Inc staff that the debt was invalid, and that I was fully contested the debt. I have heard nothing from Stellar Recovery Inc, neither telephone, nor written correspondence. On XXXX/XXXX/XXXX, I had an XXXX credit report done through my local credit union, and found that I had a notation on my credit report, with the debt showing as being generated in XXXX of XXXX XXXX absolutely false ) and that I was delinquent. This is damaging my credit, and I refuse to be bullied into paying a false debt.
|
| 07/22/2017 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt was paid
|
|
Web |
|
|
Stellar Recovery, XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, MT XXXX appeared on my credit report XXXX XXXX collecting for XXXX XXXX. I have never received any information from Stellar Revovery regarding this said debt. I tried to call the phone number listed on my credit report, and the number does not work XXXX. I paid XXXX through another company, almost three years ago. I do not owe XXXX. This is unfair that a company from no where can put information on someone 's credit report and not provide any documentation of the debt or a letter to inform the consumer that they are working on behalf of said company. I paid XXXX off. This is why they were not on my credit report initially. I had cox over 6 or 7 years ago. I do not owe XXXX. This company did not provide a letter or documentation of this so called debt. How did they end up on my credit report.
|
| 10/27/2016 |
Yes |
- Debt collection
- I do not know
|
- Disclosure verification of debt
- Not disclosed as an attempt to collect
|
|
Web |
|
|
While checking my credit score I found an open account for collections from Stellar Recovery which has never notified me or communicated anything ever to me about anything. If I had not checked my credit score I never would have even found out about this negative factor impacting me. I do not know what this is for or who it is from. This type of conduct must be illegal. I searched for information on the company and any type of financial communication with them requires and account number, which of course, I do n't have because I 've never even heard of Stellar Recovery until now. I submitted a complaint and communicated my concern about this collections account being opened against me with no communication to me at all, ever. Along with the complaint, I submitted my contact information. I have never heard back from them, it has been over a week.
|
| 05/24/2017 |
Yes |
- Debt collection
- Other debt
|
- Written notification about debt
- Didn't receive notice of right to dispute
|
|
Web |
|
|
My problem is with Stellar Recovery, XXXX , MT In th e last year, I disputed and had removed, an old collection account they had inserted in my credit report with XXXX of the XXXX credit reporting agencies.
In the last 30 days, the item that had preciously been delete d suddenly was re-inserted again and showed up in my XXXX and XXXX credit reports. I did not receive any notification of this action or a chance to dispute said item. I immediately initiated a dispute with both reporting agencies. It is my understanding that re-insertion of an already deleted item is counter to the existing consumer laws and that at least, they must removed it immediately, and at best, I may be entitled to compensation for the breach.
I would like to register a formal complain against Stellar Recovery for their recent a ctions
|
| 02/23/2017 |
Yes |
- Debt collection
- Other (i.e. phone, health club, etc.)
|
- Cont'd attempts collect debt not owed
- Debt resulted from identity theft
|
|
Web |
|
|
XXXX XXXX has my name and social security tied to an unpaid account that does not belong to me. They used Stellar as their collecting agency. Since the unpaid account did not match my address, I never got a bill from XXXX for the unpaid balance. The first time I was approached about this issue was from a Stellar agent. He spoke with my wife, as my wife was trying to communicate to him that we did not reside at that address and our name should not be tied to that account, the agent told my wife that sometimes people can be living a double life ( big time harassment ). Since the amount is only for XXXX nobody is willing to put in time to investigate the issue. My credit is tied to this unpaid bill and now I am trying to buy and investment property and the bank is telling me that I have to pay this debt. Please help with this matter.
|
| 11/21/2016 |
Yes |
- Debt collection
- Other (i.e. phone, health club, etc.)
|
- False statements or representation
- Attempted to collect wrong amount
|
|
Web |
|
|
I subscribed to XXXX for service. They lied and misled me on the internet i would receive. I told them from the start that i did not know migs and gigs of data, told them that there would be up to XXXX computers running at once and asked them if the data would last through the billing cycle, and they told me it would be plenty.. It was n't even close to enough. When i researched and understood gigs of data, they only allowed XXXX gigs per month. I went with XXXX to save money and it turned out that it would cost $ XXXX {$120.00} per month for internet alone. I tried to work with them and they wanted {$10.00} per additional gig which lasted 2-3 days at most XXXX gives XXXX gigs per month and XXXX XXXX. XXXX misled me and i feel cheated me so i canceled service and now they want {$1000.00} for canceling on them.They ripped me off
|
| 10/30/2017 |
Yes |
- Debt collection
- Medical debt
|
- Attempts to collect debt not owed
- Debt was result of identity theft
|
|
Web |
|
|
I 've sent multiple letters to this agency about this not being my account. After being advised by identitytheft.gov, I 've completed and sent a fraud affidavit via certified mail. I can see they received it, but nothing has changed. See supporting documents. Even the XXXX tracking.My official complaint is against STELLAR RECOVERY. My information was used to obtain an apartment, cell phone, and an auto loan with my ex-partner. I am a victim of identity theft and have put this off for too long. I 've completed the proper steps, XXXX notify creditors XXXX police report XXXX informed the state of Texas. The individual I 've suspected for this theft is now deceased, and the police department said to contact the federal trade commission to seek relief. These companies disregard laws and dont care whos credit or lives they impact.
|
| 05/16/2016 |
Yes |
- Debt collection
- Other (i.e. phone, health club, etc.)
|
- Cont'd attempts collect debt not owed
- Debt is not mine
|
|
Web |
|
|
Someone had opened an account with XXXX several years ago. I have never had an account with XXXX. I have always used XXXX or my local cable company. I had disputed this debt 2 or 3 years ago and it was removed. Now I find that it is back again. I was able to find out that this account is in a XXXX name. I do n't know who this person is and I do n't know how my information was used to obtain this account in the first place. I called XXXX XXXX myself several years ago when this first appeared on my credit report and they could find no record of me in their system. My credit score was actually starting to improve and I was in the process of buying a new home but now I 'm worried this debt will affect the outcome of me getting the home. Once again, I HAVE NEVER HAD AN ACCOUNT WITH XXXX.EVER! I want it removed and stay removed.
|
| 08/14/2015 |
Yes |
- Debt collection
- Other (i.e. phone, health club, etc.)
|
- Disclosure verification of debt
- Right to dispute notice not received
|
|
Web |
Servicemember |
|
The company which placed negative information on my credit report is Stellar Recovery Inc. XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX, MT XXXX ) which is a collection agency on behalf of XXXX. The original reporting on my credit apparently took place in XXXX 2015 however I have not, previous to phone conversations that I initiated on my own behalf due to seeing the negative input on my credit report, received any type of notice via phone, email, or regular mail of this debt. I have since settled this debt directly with XXXX in full however the negative remains on my credit report. It is my understanding that prior to the input on my credit report that this debt needed to be verified and I be given an opportunity to settle, pay outright or dispute the validity of this debt. I was never afforded this opportunity.
|
| 09/10/2017 |
Yes |
- Debt collection
- Other debt
|
- Took or threatened to take negative or legal action
- Threatened or suggested your credit would be damaged
|
|
Web |
|
|
STELLAR RECOVERY INC ; has not posted a debt for XXXX $ as a new collection item to my credit report three times on : XXXX/XXXX/XXXX, XXXX/XXXX/XXXX and XXXX/XXXX/XXXX. I called to inquire why they are submitting as new collection items each time having to figure out what the XXXX $ was on my own as I did not receive any form of communication from Stellar Recovery in any shape of written, phone or electronic. They were exceedingly verbally abusive and was transferred to an auto voice giving me an email to write to them about my " concern. '' I called a second time and finally talked to someone who only said they will look into this but it is their policy to report at least once a week, in essence resetting the collection date to re-age the account and force the person to pay to avoid more credit damages.
|
| 05/11/2016 |
Yes |
- Debt collection
- Other (i.e. phone, health club, etc.)
|
- Cont'd attempts collect debt not owed
- Debt is not mine
|
|
Web |
|
|
the collection agency has failed to send the legally required validation of this debt. they have been notified that your actions are detrimental to me and has violated ( including but not limited to ) the Consumer Credit Protection Act, the Fair Credit Reporting Act, and the Fair Debt Collection Practices Act. they knew or should have known that the actions taken against me and the information collected about me was inappropriate and damaging to me. Failed to use reasonable care in the course of business and failed to use even minimal procedures to ensure. Communicated and are continuing to communicate incorrect and defamatory information to third parties including but not limited to : XXXX, XXXX, and XXXX.
STELLAR RECOVERY INC failed to notify the credit reporting agencies that the debt is disputed.
|
| 10/10/2017 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
Stellar Recovery is practicing unlawful credit practices. They are reporting a collection and flagging my credit report through XXXX weekly which has caused my credit score to drop by several points on a weekly basis due to their " updates ''. They should not be allowed more than the initial time of reporting the debt.
They initially reported a collection from XXXX in the amount of {$190.00} on XXXX then flagged my account again on XXXX then flagged it again on XXXX. My credit score decreases between 3-6 points each time after a flag or " update '' as they call it. This is unacceptable and should be against the law. I need them to delete the two flags on my account and discontinue this practice.
Also, I 'm currently waiting on Stellar Recovery to send me proof or verification of this debt.
|
| 05/02/2016 |
Yes |
- Debt collection
- Other (i.e. phone, health club, etc.)
|
- Cont'd attempts collect debt not owed
- Debt is not mine
|
|
Web |
|
|
I received a call from XXXX advertising their services and offering if I signed up with them they would give me a free tablet. I agreed to their services. They came out to hook up the cable and I asked for the tablet and they said I did n't get one. They lied to me. I told the person hooking up my cable that I did not want their service. the next day I returned the box, modem everything that they left.
I called XXXX on XX/XX/XXXX once I saw I had a collection from them. They told me that I never called them and canceled my service with them so they billed me for 3 months and than sent me to collection. I did cancel my service and I returned the equipment and canceled my service again.
I never received anything from the collection company notifying me that I was going to collection.
|
| 07/23/2015 |
Yes |
- Debt collection
- I do not know
|
- Cont'd attempts collect debt not owed
- Debt is not mine
|
|
Web |
Older American |
|
Two weeks ago, we started getting calls from Stellar Recovery from XXXX instructing us to call XXXX. When these calls come, no one is mentioned by name to call them back. We have not received any mailed past due bill regarding this fact. Back in 2008, we took a loan to pay off any outstanding bills-some of these were past due. Since this we have strived to make every payment on time. I have excellent credit scores. We have not called the number per warnings from other victims of this company. I was going to write them, but I do not have their address. I have already turned in a complaint to the FBI online. This seems like a scam to me. Please see what you can do and kindly give me a call at XXXX of a reply to this email. Thank you for your time and consideration ... XXXX
|
| 04/03/2017 |
Yes |
- Debt collection
- Other (i.e. phone, health club, etc.)
|
- Cont'd attempts collect debt not owed
- Debt is not mine
|
|
Web |
|
|
Account # XXXX I called on XX/XX/XXXX and spoke with XXXX XXXX, I informed him that I had send multiple request to validate this debt as I did not recall it. He reviewed the information that they had on file and noted that the service address was an address that I have never lived at. He closed the account as fraudulent and let me know that the information would be updated with all three credit bureaus immediately.
I called them this morning XX/XX/2017 to get a status update as the credit bureaus have not received anything stating that the account needs to be deleted. I was told by the agent that this information has not been sent to the credit bureaus. The agent acknowledged that the account was closed as fraudulent but still reporting negatively to my credit bureas.
|
| 03/15/2017 |
Yes |
- Debt collection
- Other (i.e. phone, health club, etc.)
|
- Cont'd attempts collect debt not owed
- Debt was paid
|
|
Web |
Older American |
|
1. XXXX billed at a higher rate than quoted during the sales calls. Month after month telling me it would be fixed, giving me one reference # after another. 2. XXXX 5 year price lock, was a lie. Their bill increased around 45 % in just over a year. 3. ( Please see Arizona Attorney General v XXXX XX/XX/2016 ). Some of the XXXX the Arizona XXXX believes violated the Arizona Consumer Fraud Act, happened to me from XXXX in Arizona. After two other collection agencies backed off from this collection, Stellar Recovery Inc . Proceeded to damage my spotless credit. It was very clear with the information I gave them, this was not a good bill. they should have declined, like the other XXXX agencies did. They damaged my credit, causing XXXX company not to do business with me.
|
| 09/11/2017 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
Servicemember |
|
A COMPLAINT was filed by me with CFPB in XX/XX/XXXX, concerning an identical entry on my XXXX credit report by STELLAR RECOVERY INC., their account number XXXX, ( " STELLAR '' ) using their address as XXXX XXXX XXXX XXXX, XXXX, FL XXXX and NOT STELLAR 's office at XXXX XXXX XXXX XXXX XXXX XXXX, MT XXXX ( XXXX ) XXXX. My COMPLAINT to XXXX stated in part : " Never contacted by Collector who is scavenging. XXXX agreed to reverse charges when I moved out of service area in XX/XX/XXXX and subject to [ my Plaintiff 's litigation ] XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, US District Court Oregon ( XX/XX/XXXX ). '' After being contacted very timely by CFPB, XXXX deleted the collection item dated XX/XX/XXXX. I would appreciate the same from XXXX and for the same reasons.
|
| 10/13/2017 |
Yes |
- Debt collection
- I do not know
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
On XXXX XXXX, XXXX, I learned that my XXXX credit report was negatively impacted due to a collection agency posting a new collection on my report. I was shocked, and immediately called the Stellar Recovery whom was reporting the account. The amount of the collection is for {$27.00}, and it was sold to them by XXXX XXXX. I have never had an account with XXXX, and Stellar states the service address was for a home in Arizona to which I have never resided. Rather than assist me in removing the collection, they keep referring me to XXXX. XXXX is also unwilling to help since they are unaware of how to proceed, and can not locate me by my name. I have filled a dispute with XXXX, and I have also submitted a complaint with the FCC around XXXX and the lack of support.
|
| 10/19/2016 |
Yes |
- Debt collection
- Other (i.e. phone, health club, etc.)
|
- Cont'd attempts collect debt not owed
- Debt is not mine
|
|
Web |
|
|
I emailed a collection company name STELLAR Recovery Inc. back in XXXX XXXX, 2016 to remove a debt showing on my credit report and affecting my credit score. I received a phone call from one of the representative that did n't say her name nor a phone number to get a hold of her and I confirmed to her that the address on the debt does not belong to me and it belongs to someone else. I was told that the debt will be removed from my credit report. I checked again in XXXX XXXX, 2016 and the debt still shows on my report, so I sent a follow up email and I never received a respond up 'til now.
I also filed a dispute with the XXXX credit bureau and still did n't resolve the issue. I was told to file straight with the collection agency or the original creditor.
|
| 08/21/2017 |
Yes |
- Debt collection
- Other debt
|
- Threatened to contact someone or share information improperly
- Talked to a third-party about your debt
|
|
Web |
|
|
Stellar Recovery contacted me through a public e-mail address that is not only used by myself. Their company logo is at the top of the e-mail, the e-mail does not state that it is from a debt collector. There is not a confidential information disclosure in the e-mail. The 3rd party followed the instructions and opened the letter that was attached to the e-mail, ( password was in the body of the email for opening ) and they saw that I owed a debt. I never provided Stellar Recovery with my e-mail address or gave them permission to contact me through e-mail. If they were able to find my e-mail address, then they should have been able to find my telephone # or home address. However, i have not been contacted by phone or through regular mail about this debt.
|
| 11/15/2017 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
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On XXXX XXXX 2017, I received an alert from my credit bureau that a collection account had been added to my credit report. The collection account was from Stellar Recovery, XXXX XXXX XXXX, XXXX, FL XXXX. The collection amount was {$1300.00}. The original creditor was XXXX XXXX. I have no idea where this account came from. I have not lived in an area even serviced by XXXX XXXX for almost 10 years. I request that Stellar Recovery immediately remove this incorrect account from my credit report. If they have any written proof of the debt, I request that they provide this to me asap. I have not had an account for at least 10 or 11 years. I request that someone look into the collection practices of XXXX XXXX, as I have heard nothing but horror stories.
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| 11/28/2016 |
Yes |
- Debt collection
- I do not know
|
- Cont'd attempts collect debt not owed
- Debt is not mine
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Web |
Older American |
|
I was approached last year (? ) for a debt that was not mine. ( originally XXXX or XXXX, ca n't find the debt collection name or other correspondence ) ) I filed a complaint with you then, and the issue went away.
A company called Stellar Recovery, XXXX MT XXXX apparently acquired information and then filed that with Experian and they put it on my credit report. That dropped my rating from 826 to 650 or so. They never contacted me before doing this.
I called them at XXXX. EST, XX/XX/2016 and told them this issue was settled with the prior company and that they need to correct immediately. Further, I am really XXXX that they would report this as an unpaid debt without even contacting me. I told them I will be reporting this to the CFPB.
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| 09/18/2015 |
Yes |
- Debt collection
- I do not know
|
- Cont'd attempts collect debt not owed
- Debt is not mine
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|
Web |
Older American |
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my initial complaint is # XXXX. Back in XXXX and XXXX I submitted a complaint against Stellar Recovery their phone number is XXXX. They continue to robo call my home each day different times of the day. The automated message gives different peoples names. People I have never heard of. My husband and I are senior citizens and are not in any debt collection. I also wonder if this Stellar Recovery has a charter to collect money in Arizona as there company is in Maryland. I would like to know the status of my complaint as I am still receiving these harassing calls. The status in your database states it is under dispute.. Who is disputing my complaint ; surely it can not be Stellar Recovery as we do n't owe any money that is in collections.
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| 11/18/2016 |
Yes |
- Debt collection
- Other (i.e. phone, health club, etc.)
|
- Cont'd attempts collect debt not owed
- Debt is not mine
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Web |
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I have continually been contacted by multiple Debt collectors for a termination fee charged me by XXXX that I do not owe. I never signed a contract with them, and therefore this is invalid. The issue is that they keep sending it to different debt collectors. I have tried contacting XXXX to drop this collection attempt but they refuse to do so. They have a known issue with deceptive practices as noted on the XXXX website including not disclosing contracts, price switching ( which they did to me ), etc. I need to know what can be done to get them drop this charge that is not valid. I do not want to have to continue to send certified letters to debt collectors until the end of time while they continue to pursue this frivolous charge.
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| 01/30/2016 |
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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I received a collection letter on XXXX XXXX XXXX from Stellar Recovery INC stating that I XXXX to XXXX. I did not receive notice of the right to dispute. I am buying a home and it hit my credit which now has prevented me from buying. I have had the same phone number for three years and when I called and talked to Stellar I spoke with XXXX individuals there. I have the conversation recorded. Both of whom told me that they were not obligated to send out a validation of debt letter. I have not used XXXX XXXX for over 4 years. Had I known that I even owed the debt I would have just paid it but I had no opportunity to even have that option. It hit my credit in XXXX XXXX and then I got the letter stating I owed them money in XXXX XXXX.
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| 06/15/2016 |
Yes |
- Debt collection
- Other (i.e. phone, health club, etc.)
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- Cont'd attempts collect debt not owed
- Debt resulted from identity theft
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Web |
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I applied to an apartment building in the year XXXX, on XXXX XXXX XXXX in XXXX, CO, that I did n't move into. My information was used by another to set up phone service in the building. I first was notified in XXXX of this, and I resolved the issue with another collection agency. For some reason, they sold the debt to Stellar, the current agency. Stellar reported this collection in XXXX XXXX without ever notifying me that they had even purchased the " debt '', which I believe is illegal. This happened 16 years ago, and I am still being harassed. I have disputed this with all XXXX bureaus and it has been removed from XXXX and XXXX. I want it removed from XXXX as well. Thank you in advance for any assistance - I do appreciate it.
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| 03/05/2017 |
Yes |
- Debt collection
- I do not know
|
- Cont'd attempts collect debt not owed
- Debt resulted from identity theft
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Web |
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I 've sent multiple letters to this agency about this not being my account. After being advised by identitytheft.gov I 've completed and sent a fraud affidavit via certified mail. I can see they received it but nothing has changed. See supporting documents. even the XXXX tracking.
I am a victim of identity theft and noticed a collection from Stellar Recovery I 've attempted to dispute multiple times however no response on their end. Not sure what else to do. Police department told me to contact the federal trade commision which I wrote a formal complaint against Stellar Recovery in regards to this matter. The FTC also instructed me to complete a id theft affidavit through identity theft.gov. Attached is my document. Thank you
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| 12/13/2016 |
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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XXXX/XXXX/2016 I contacted the collection agency to request validation of the debt they are reporting on my credit report. I was unfamiliar with the balance due and the dates listed as delinquency so I demanded statements showing my balance due and my failure to pay the alleged debt. I requested a cease of collection activity until that information was furnished.
After receiving my initial request, the company stopped reporting the information. This month, however ; they have begun reporting the information again without providing any validation of the debt. I am in the process of acquiring a business and this erroneous credit item could greatly impact my ability to obtain financing and impede on my ability to earn a living.
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| 01/18/2016 |
Yes |
- Debt collection
- Other (i.e. phone, health club, etc.)
|
- Cont'd attempts collect debt not owed
- Debt is not mine
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Web |
|
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I opened an account with XXXX ... however somehow they opened XXXX at the same time. Account # XXXX is the current account I am using and paying for. The second account XXXX was supposedly closed in XXXX, then supposedly credited and closed again in XXXX when I called the second time and sat on the phone for XXXX hours, after being accused of not paying my bills. In XXXX I received a notice from Stellar Recovery that I owed XXXX. I have a bankruptcy on my past and I 've been working to repair my credit. This situation will create problems for me and lower my rating at least until I get it resolved. I 'm very upset. They want me to call the same people who have not fixed this before and sit on the phone for yet another hour.
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| 10/07/2016 |
Yes |
- Debt collection
- Other (i.e. phone, health club, etc.)
|
- Improper contact or sharing of info
- Talked to a third party about my debt
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Web |
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After reviewing my credit report I found a collections entry from Stellar Recovery Inc. in the amount of {$340.00}. I have made multiple attempts to contact Stellar Recovery to seek verification for the amount and to settle the debt. I have completed their webform requesting information, and I have tried calling their posted telephone number. The webform submission has not yielded a response and the phone number is directed to an extension with a mailbox that will not accept messages. Stellar Recovery has continued to report to 3rd party credit bureaus that the account is in collections, but have made it impossible to settle the debt. This tactic has a detrimental impact on my credit score and must be corrected.
|
| 11/08/2015 |
Yes |
- Debt collection
- Other (i.e. phone, health club, etc.)
|
- Disclosure verification of debt
- Right to dispute notice not received
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|
Web |
|
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In XX/XX/XXXX Stellar Recovery reported a outstanding balance of {$58.00} to my XXXX credit report. No only did this collections agency report this without sending a notice to me, the amount is wrong also. My amount due in full with the original creditor was {$57.00} and was paid in full on XX/XX/XXXX. I emailed XXXX XXXX Executive Customer Relations XXXX | XXXX. Office : XXXX, ext. XXXX in XX/XX/XXXX regarding this outstanding bill however, this person did not respond to me. I was unaware that my bill was reported to a collections agency and since Stellar Recovery reported this to my XXXX credit report, my credit score dropped XXXX points. I never received any notice or phone call from this collection agency.
|
| 09/01/2017 |
Yes |
- Debt collection
- Other debt
|
- False statements or representation
- Attempted to collect wrong amount
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Web |
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This is a issue I wrote to you about regarding XXXX XXXX. XXXX sold me a package that I was never able to use and did not inform that to have this service that I had to get their phone service. The premium channel that I ordered never worked although XXXX was called several times to fix or remove from the account. XXXX has continued to charge me for the premium services as well.
When I got the bill, I tried to explain what happened and work out with them to get the services working. They would never resolve the issue.
Now they have 2 collection companies reporting on my credit report, both in the amount of {$780.00}. I do n't own the original {$780.00} but now they have 2 companies reporting that amount.
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| 05/22/2017 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt was paid
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Web |
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I received notice today by XXXX XXXX , that a company called Stellar Recovery reported a debt of {$68.00} to both XXXX and XXXX . I have not received any communication from Stellar Recovery about a debt, and, had on XXXX XXXX , sent XXXX a proof of equipment return in response to a notice from them that I owed them for equipment not returned. I have proof of a receipt from their store with the serial numbers of my equipment confirming it was in fact, returned. This is not a debt I owed to XXXX , and it is fraudulent for them to sell this to a collector and even more fraudulent for them to report it to a credit agency without contacting me or verifying the validity of said " fraud ''.
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| 10/13/2016 |
Yes |
- Debt collection
- I do not know
|
- Communication tactics
- Frequent or repeated calls
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|
Web |
Servicemember |
|
I keep getting phone calls from the phone number of ( XXXX ) XXXX. When I get the chance to pick up the phone, prior to them hanging up within the first 1 or 2 rings, THERE IS NEVER ANYONE THERE. I have checked this number out on-line, and get everything from unknown to debit collections. I have been warned by others that to call them back would establish proof that I had prior business with them, which would void my " Do Not Call '' listings with the FCC, or that they will benefit form this somehow, with such tactics. They have called at least Twice this week, I can not tell if it is a Robo Call or not since there is never anyone on the line, but over this year, it has proven to be aggravating.
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| 10/11/2017 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
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Stellar Recovery added an item to my 3 credit reports in regards to XXXX XXXX. I have never had an account with XXXX. First off Stellar never sent me any information that to dispute this account before adding it to my credit files. Secondly they are falsely trying to collect a debt not mine and has not sent me any kind of debt validation. I am demanding this account to be removed from my credit report, send me all accounting information on this account, send me proof of signature on this account. Stellar is violating my rights under the FCRA and I want solutions. If this is not completed within time frame I will be filing a complaint with my local attorney generals office and with the BBB.
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| 07/19/2016 |
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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I received a letter from a creditor fro an unpaid debt to XXXX XXXX. I have not had an account with this company for at least 4 years and when I canceled my services in 2012 my account balance was paid in full and all equipment returned. I have not heard anything from this company in 4 years but suddenly a collection account popped up on my credit report and i received a letter in the mail. The name on the letter was the incorrect spelling leading me to believe this may be a false collection. I do not owe any debt to this company and the statute of limitations in AZ is supposed to be 3 years, which has passed anyway.
This also appeared on my credit report which concerns me.
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| 02/03/2016 |
Yes |
- Debt collection
- Other (i.e. phone, health club, etc.)
|
- Communication tactics
- Frequent or repeated calls
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Web |
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I have been receiving calls from this collection agency, EVERY day at least once a day for well over a month now. I did answer over a month ago and let them know I lost my job a few months back and that I would pay the past due cable bill directly to the company it is owed when I receive my taxes, which I have not yet received. I also have made XXXX small payments towards this bill and mentioned to them that I was paying it down when I was able. I also answered XXXX of their calls two days ago and told them to cease and assist, they hung up on me and proceeded to try again the next day. It 's getting really irritating and they call sometimes at XXXX when my kids are asleep.
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| 05/22/2017 |
Yes |
- Debt collection
- Other debt
|
- Written notification about debt
- Didn't receive notice of right to dispute
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|
Web |
|
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on XXXX XXXX XXXX i received an email from XXXX XXXX stating my credit score has changed, stellar recovery had placed an account in collections lowing my credit score XXXX points and lowing my fico score XXXX points.stellar recovery never contacted me about their ownership of this debt and that they were trying to collect on this debt, i never received a collection letter about this account, which never gave me a chance to dispute this debt before it reported on my credit report, violating the terms of the fair credit reporting act.I`m requesting this item be removed from my credit report a.s.a.p due to the mistake in the collection process
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| 11/28/2016 |
Yes |
- Debt collection
- Other (i.e. phone, health club, etc.)
|
- Cont'd attempts collect debt not owed
- Debt was paid
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Web |
|
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I paid this debt once I had cancelled my service. Once this went into collections with XXXX I disputed it and asked them to send me anything showing what I owe. They never did and instead sent me a letter saying they could not validate the debt and would remove from all credit bureaus. Two months later another collection agency popped up on my credit with the same debt saying I owe them. I contacted them immediately requesting proof and they never sent it. This should not belong on my credit and I am trying to buy a house and it is affecting my score. These companies should not be able to keep hassling you even after they ca n't prove a debt. When does it stop?
|
| 02/13/2016 |
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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attachment : pg XXXX shows credit of disputed bill - pg XXXX new address and account # with disputed amount credited - pg XXXX previous account number will bill in dispute. ///// I disputed this bill and was given credit on my account. It was a move and transfer request that was fouled up by XXXX XXXX XXXX. The credit amount ( XXXX ) is not exact because of taxes or some other internal computer function, I suppose. Stellar Recovery also rounded to the amount owed as {$67.00}.
When the issue was correct at the XXXX office with a representative I showed her the notice that it was going into collection but they did not follow through as they should have.
|
| 05/06/2016 |
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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I opened my current account with XXXX at XXXX XXXX XXXX XXXX XXXX XXXX, PA on XXXX/XXXX/15. Also on this day, a fraudulent account was opened in my name and social security number at XXXX XXXX XXXX XXXX XXXX XXXX, PA. I believe this was an internal error as the XXXX accounts were opened in the same day but I have been unsuccessful in getting XXXX to admit fault or even look at the problem ( this has now been going on since XX/XX/2015 ). We did everything XXXX asked us to do on our part by submitting the proper documentation that they required. After taking all these steps we never heard anything and the debt has now been placed on my credit report.
|
| 01/19/2016 |
Yes |
- Debt collection
- I do not know
|
- Cont'd attempts collect debt not owed
- Debt is not mine
|
|
Web |
|
|
I received notification that a Debt for the amount of : {$140.00} on XXXX XXXX, 2016 was place don my XXXX Credit Report and am not sure if there are others from this company. They have not provided any pre-collection attempts or notified me via postal mail, or a phone call. They have the wrong person. Ruining my credit. Needs to be removed ASAP! and A LETTER TO ANY CRA 'S REPORTED TO, TO have it removed.
I need this removed ASAP!
Alert Date XXXX/XXXX/2016 Source XXXX Company STELLAR RECOVERY INC Payment Status Collections Status Date XXXX/XXXX/2016 Balance {$140.00} Balance Date N/A Address XXXX XXXX XXXX XXXX, MT XXXX Thank you
|
| 04/20/2017 |
Yes |
- Debt collection
- Other (i.e. phone, health club, etc.)
|
- Cont'd attempts collect debt not owed
- Debt was paid
|
|
Web |
Servicemember |
|
XXXX sent me to a debt collector, however I communicated w/ XXXX multiple times and confirmed, both verbally and in writing, that the equipment was returned and I do not owe any debt. I had never been notified that I was sent to a debt collector until I looked at my credit which showed that my credit was dinged, o n 3 se parate occasions, for this equipment not being returned. It took me, on my own accord and time, to find this and reach out to the debt collector directly in order to dispute this issue. XXXX clearly has not handled their documentation correctly and as a Compliance Officer thi s is a clear regulatory violation.
|
| 07/02/2016 |
Yes |
- Debt collection
- Other (i.e. phone, health club, etc.)
|
- False statements or representation
- Attempted to collect wrong amount
|
|
Web |
|
|
On XXXX XXXX I contacted Enhanced Recovery - XXXX to settle my debt and spoke with representative XXXX who refuse to give me her last name because she claims she is the only XXXX that works in the office. I owed a total of {$260.00} and we settled the debt for {$150.00}. She told me I would receive my {$0.00} balance letter by email. The email I receives stated that after I paid the {$150.00} that I still owe {$110.00}. The phone call was recorded and it will be verified that we negotiated the debt settlement to be {$150.00} therefore I should not be receiving a letter that I still owe money. I received confirmation number of XXXX.
|
| 12/23/2015 |
Yes |
- Debt collection
- Other (i.e. phone, health club, etc.)
|
- Disclosure verification of debt
- Right to dispute notice not received
|
|
Web |
Older American, Servicemember |
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My contention : I was never given the right to even question let alone settle this debt. I was never contacted in writing or by telephone about owing this debt. I discovered the debt through credit monitoring not because of Stellar Recovery, inc. attempt to collect a debt. This alone violated my rights.
Stellar Recovery, inc. contacted the credit reporting agency and put the debt on my report as owing. This was a direct violation of my consumer rights.
Furthermore ; The agent for this collection group XXXX XXXX XXXX XXXX stated they attempted to call me but the original vendor had given them the wrong telephone number for me.
|
| 04/20/2015 |
Yes |
- Debt collection
- Other (i.e. phone, health club, etc.)
|
- Cont'd attempts collect debt not owed
- Debt was paid
|
|
Web |
|
|
I had my credit report pulled for a mortgage application and when it was pulled, a collection for XXXX ( XXXX ) showed up on the report. The collection agency was listed as Stellar Recovery and the amount was for {$170.00}. Since the initial creditor was XXXX ( XXXX ), I called them and paid the balance of # XXXX on XXXX XXXX, 2015. This closed my account and zeroed the balance. When I inquired about Stellar Recovery, I was informed that collections would no longer take place as my balance was now zeroed. However, it is XXXX, and the collection remains on my credit report despite having a zero balance with XXXX ( XXXX XXXX.
|
| 03/27/2015 |
Yes |
- Debt collection
- Other (i.e. phone, health club, etc.)
|
- Disclosure verification of debt
- Right to dispute notice not received
|
|
Web |
Servicemember |
|
Collection agency re aged debt that was older than 7 years old and is reporting inaccurate date of debt information to place it back on my credit report.
Major Derogatory Record details found within your credit file : Details Summary ALERT TYPE XXXX XXXX XXXX ( Collections ) CREDITOR TYPE Other Collection Agencies LAST UPDATE DATE XX/XX/XXXX-XXXX AMOUNT XXXX ALERTDATE XX/XX/XXXX XXXX STELLAR RECOVERY INC ADDRESS XXXX XXXX XXXX XXXX XXXX CITY XXXX XXXX FL ZIP XXXX CREDITOR PHONE XXXX I have not resided in XXXX XXXX area for over 7 years, nor was my original date of service in XX/XX/XXXX-XX/XX/XXXX as reported.
|
| 06/04/2016 |
Yes |
- Debt collection
- Other (i.e. phone, health club, etc.)
|
- Cont'd attempts collect debt not owed
- Debt is not mine
|
|
Web |
Servicemember |
|
Original CFB Complaint # : XXXX & XXXX On XXXX XXXX 2016, I received notification from the MT AG, whch stated that Stellar Recovery notified them that they contacted the OC and was not able to verify this debt. And that they have ceased all reporting and collection activity. Somoene is lying, because this is listed as a closed case, that is PAST DUE on my CR, which affects my credit. Stellar Recovery needs to properly send a cease and remove letter to ALL CRAS that they reported this debt to IMMEDIATELY! IT DOES NOT BELONG TO ME! Therefore you are aiding in ruining my credit! Remove this NOW!
Record # : XXXX.
|
| 03/12/2017 |
Yes |
- Debt collection
- Other (i.e. phone, health club, etc.)
|
- Cont'd attempts collect debt not owed
- Debt was paid
|
|
Web |
|
|
This debt never existed. It was a mistake on XXXX end, my account was opened in XX/XX/XXXX and was always paid in full and was officially closed in XX/XX/XXXX.
The XXXX employee who closed my account never noted my account. It took approximately six months after my new service was initiated with XXXX to finally shut that account down.
All of this is documented, and was never a collection in the first place.
I am demanding that this harassment to collect a non existent debt stop immediately and all debts and information relating to this account be removed from my record at all XXXX US Credit Bureaus.
|
| 05/01/2017 |
Yes |
- Debt collection
- Other debt
|
- False statements or representation
- Attempted to collect wrong amount
|
|
Web |
|
|
XXXX put my account into collections after I was forced to close the account due to multiple billing errors and service issues. Was told several times remaining amount {$88.00} would be waived due to inconvenience and in show of good faith. Then after finding out later that indeed had not taken place and account was now in collections I called several times to try to resolve this with customer care but was told it was out of their hands. Then after a period of time interest occurred resulting in current amounted. My credit was completely ruined by this error and I am highly upset by the broken promise.
|
| 07/07/2016 |
Yes |
- Debt collection
- Other (i.e. phone, health club, etc.)
|
- Cont'd attempts collect debt not owed
- Debt was paid
|
|
Web |
|
|
This is a debt from XXXX XXXX, when our home was foreclosed on the equipment for XXXX was left in the home. We could n't go back and get it so XXXX charged us for it. We wrote XXXX and explained the circumstances and that they needed to contact the bank to get access to the equipment as we could n't so how could we be charged? This debt collection agency must have just recently purchased the account, has not sent me any letters but it appears on my credit report as a NEW account with a XXXX open date, when clearly this account will soon be at the 7 year mark and would be removed from my credit report.
|
| 07/07/2016 |
Yes |
- Debt collection
- Other (i.e. phone, health club, etc.)
|
- Cont'd attempts collect debt not owed
- Debt was paid
|
|
Web |
|
|
I have paid this. In person in full. XXXX made me pay it in order to hook up service at a new residents. They keep assuring me it will be removed and keep letting me down they tell me they will have a manager call me and no one calls me this happened five times I 'm really tired of this I paid these people and they have no record of anything! XXXX told me that I did not owe anything and they would send me a letter to send to the collection company stating that the debt was paid and not a debt any more! i 'm still waiting for a letter that was supposed to come last week I 'm not holding my breath.
|
| 09/15/2016 |
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 |
|
|
I been sick since 2014 and went on a medical XXXX. Because of a drastic change in my income for my household I fell behind all bills. I was not aware of the contract I signed with XXXX for home security when I was told differently that it was trial promotion. Because of my medical XXXX I have been very forgetful with my memories lately and it 's hard to make decisions when needed to. With that being said I did try to make payment arrangements and I failed to keep them because I forgot to put it on my calendar. I was supposed to get a call reminder but ca n't remember if I ever received one.
|
| 07/08/2016 |
Yes |
- Debt collection
- Other (i.e. phone, health club, etc.)
|
- Disclosure verification of debt
- Right to dispute notice not received
|
|
Web |
|
|
CFBP, I have never received any debt notice from this collection agency. I have paid XXXX directly in full and never authorized XXXX to share my information to any third party. The only reason I became aware of this collection being reported to the credit bureaus is because I had started monitoring my credit report. I have never received any notification of debt from Stellar Recovery. This is causing a financial hardship and needs to be deleted from all of my credit reports promptly. I will not consider this complaint closed until it is removed and I receive notification of this action.
|
| 07/28/2017 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
Older American |
|
An amount of 1000 + dollars was added to my credit report last week, driving my credit score down XXXX points Company was Stellar Recovery XXXX XXXX XXXX, XXXX, XXXX Utah or Montana. It supposedly started from XXXX XXXX XXXX ans I can not find them on web except in XXXX XXXX VA Never lived or even been there. Tried to call the company Stellar ... ..Busy busy busy. Tried their web suite to open complaint. Web does not allow form to be filled out. When in XXXX, VA up to XXXX 2014, XXXX was our cable provider but all boxes and last bill was paid, in fact to my best memory over paid
|
| 05/09/2017 |
Yes |
- Debt collection
- Other debt
|
- Written notification about debt
- Didn't receive enough information to verify debt
|
|
Web |
|
|
*Stell ar Recovery Inc , XXXX XXXX XXXX XXXX XXXX . , XXXX MT XXXX ( XXXX ) XXXX has violated the law by continuing collection activities with XXXX of a disputed alleged debt while failing to respond to consumer 's right to validation within 30 days. Stellar Recovery has altogether failed to notify consumer and violated her rights to receive notification as mandated by law of her right to dispute. Proof of the se two v iolations made by Stellar Recovery are legitimized in the attached documentation. **Complaint made to XXXX via CFPB # XXXX
|
| 06/15/2017 |
Yes |
- Debt collection
- Other debt
|
- False statements or representation
- Attempted to collect wrong amount
|
|
Web |
|
|
A door to door salesman for XXXX XXXX came to our door and signed us up for an account. the account did not have as fast internet as promised and we cancelled within 1 week of signing up. We were told over the phone by XXXX XXXX that no money was due and we were free of our obligation. When I viewed by credit report, I see a charge from XXXX XXXX in collections. I called the debt collection company and they gave me the account number to resolve with XXXX XXXX . When I call XXXX XXXX with that account number it comes up as a different person 's account.
|
| 10/11/2016 |
Yes |
- Debt collection
- Other (i.e. phone, health club, etc.)
|
- Disclosure verification of debt
- Right to dispute notice not received
|
|
Web |
|
|
This company placed this collection on my credit report with no contact to me prior. This company has entered into a settlement in XXXX with the XXXX of the Colorado Fair Debt Collection Practices Act for the same type of behavior. The creditor listed is XXXX which I had in XXXX and who erroneously put me in collections. I completed a dispute with XXXX and they cleared my account when they found their error upon investigation. This never was and is not a valid debt. I am in the process of buying a house and it has caused my mortgage interest rate offer to go up by 1 %.
|
| 05/19/2015 |
Yes |
- Debt collection
- Other (i.e. phone, health club, etc.)
|
- Disclosure verification of debt
- Right to dispute notice not received
|
|
Web |
|
|
I was not made aware of a debt before it was reported to the credit bureaus by Stellar Recovery Inc . The collection on the report states its a {$36.00} debt. It also states the original debt is from XX/XX/XXXX and says date opened XXXX/XXXX/XXXX, but did not appear on my report until XX/XX/XXXX. Had I not have had a credit monitoring service, I would have not known this debt even existed. I contacted the original company who the debt is said to be owed to. They told me that they had no record of this debt. I am requesting the information to be deleted from my report.
|
| 04/19/2016 |
Yes |
- Debt collection
- Other (i.e. phone, health club, etc.)
|
- Cont'd attempts collect debt not owed
- Debt was paid
|
|
Web |
Servicemember |
|
I cancelled my service with XXXX and paid by bill in full. They then switched names to XXXX, with whom I currently have service and have an impeccable payment record with. This bill continues to be sent to numerous collection agencies after I have already verified with XXXX that I do not owe them money and they have no record of the account number the collection agencies are giving me. The collection agency can not and will not verify the debt or provide any documentation that I owe this debt even after I told them that I verified it is not a valid debt and not mine.
|
| 09/03/2017 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt was result of identity theft
|
|
Web |
|
|
STELLAR RECOVERY had originally reported a false account on my credit back in XX/XX/XXXX. I had notified both them and XXXX back in XX/XX/XXXXthat this debt was not mine and that the name and address used to open this account were not mine either. This was removed off my credit report eventually. However it appears that Stellar may have sold this debt to XXXX XXXX XXXX Who are now trying to collect the same debt. I am now having to file a 2nd police report and submitting other forms of documents to prove once again that I am not the person who opened this account.
|
| 09/30/2016 |
Yes |
- Debt collection
- Other (i.e. phone, health club, etc.)
|
- False statements or representation
- Attempted to collect wrong amount
|
|
Web |
|
|
I disputed a collection account from Stellar recovery regarding XXXX. When I had XXXX, I called multiple times telling them my service kept going out and they never could the fix the problem so I canceled my service and the technician said they would not charge me and fees related to early termination of my contract- The last time I called to get this resolved dish wanted to send me a XXXX check which I refused. I disputed this with XXXX and XXXX and the item was removed from my credit report. However, XXXX will not remove it after I have disputed with them twice.
|
| 09/15/2016 |
Yes |
- Debt collection
- Other (i.e. phone, health club, etc.)
|
- Cont'd attempts collect debt not owed
- Debt was paid
|
|
Web |
|
|
Stellar Recovery, is collecting a past due balance from XXXX so I made a payment arrangement for when I go back to work because I was in school during the summer, so that they would n't put it on my credit report but they put it on my credit report anyway because they said I did not pay it within their time frame but they never told me there was a time frame so that was misleading and unfair because if they were going to report it on my credit anyway then I could 've took as long as I wanted, but I tried to settle my debt and they screwed me over anyway.
|
| 08/22/2017 |
Yes |
- Debt collection
- Other debt
|
- Written notification about debt
- Didn't receive enough information to verify debt
|
|
Web |
|
|
I saw a collection account on my credit from Stellar Recovery. It sates that it is for utilities and not who it is with. I do n't owe any utilities. I sent a validation request to Stellar Recovery and they are not responding to me at all. it has been three months and they still are not responding, but they are still reporting this on my credit. I was never notified by them that this debt even exists or that they were going to put anything on my credit or what my rights are. Stellar Recovery is in violation of the Fair Debt Collection Practice Act
|
| 03/21/2017 |
Yes |
- Debt collection
- Other (i.e. phone, health club, etc.)
|
- Cont'd attempts collect debt not owed
- Debt is not mine
|
|
Web |
Older American |
|
I went on line to XXXX XX/XX/2017 to check my credit score, and I noticed it had dropped down, I checked to see why, and I saw a Stellar Recovery ... XXXX, so I called this morning and found out it was a debt for {$270.00} with XXXX, I asked Stellar Recovery if they had a address ... .XXXX..account # XXXX ... .I never in my life lived at that address or had that account #, and I have not been with XXXX no time soon. This does not look good for my credit, I pay my bills on time, never late and I do n't have money to just give away.
Thank You
|
| 04/23/2016 |
Yes |
- Debt collection
- I do not know
|
- Disclosure verification of debt
- Right to dispute notice not received
|
|
Web |
|
|
Did not receive any notification from Stellar Recovery about a debt collection that suddenly appeared on my credit report. I have no idea what it is for, I have been provided no opportunity to dispute or satisfy any debt collection action prior to it simply showing up on my credit report that I monitor constantly. I have been building my credit steadily over the past few years and this wiped almost XXXX points off of the estimated score, which directly affects my ability to pursue financing for my small business and personal necessities.
|
| 05/15/2015 |
Yes |
- Debt collection
- Other (i.e. phone, health club, etc.)
|
- Communication tactics
- Frequent or repeated calls
|
|
Web |
|
|
XXXX XXXX has been using " ghost '' collection agencies to continue to harass me for months. XXXX, XXXX XXXX, and Stellar Recovery are in fact XXXX XXXX employees falsely claiming to be collection agents. What they are doing is making an end run around the Fair Credit Reporting Act. Notwithstanding my best efforts XXXX XXXX has yet to provide me with written proof of this debt even after multiple written requests for this information. Stellar Recovery has called my cell phone over XXXX times and has yet to provide me proof of this debt.
|
| 08/15/2017 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Problem with a credit reporting company's investigation into an existing problem
- Their investigation did not fix an error on your report
|
|
Web |
|
|
This bill with XXXX XXXX was reinstated on my credit report XX/XX/XXXX. I have proof it was not on my report before. It had been removed several years ago. After it was removed it was sold twice. Stellar recovery is now reporting it as XXXX, I disputed the original amount when on report. It was XXXX. I had turned in equipment and they never fixed balance. XXXX is ignoring this as I have credit report from them in XX/XX/XXXX and this is not on my report. I 'm attaching all evidence. They are not investigating and are just closing case.
|
| 08/16/2017 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt was result of identity theft
|
|
Web |
|
|
This company is trying to collect a debt that was the result of identity theft and or unauthorized use. I have never authorized XXXX XXXX to bill me for any services or products. I have attempted to talk to the company directly, however ; no one in the customer service department was willing to help me. I have already filed a report with the FTC and have provided it to the credit reporting companies. I have included a copy of my Identity Theft Report filed with the FTC and have forwarded the complaint number to the local authorities.
|
| 05/06/2015 |
Yes |
- Debt collection
- Other (i.e. phone, health club, etc.)
|
- Cont'd attempts collect debt not owed
- Debt is not mine
|
|
Web |
|
|
Stellar Recovery has placed an illegal erroneous account in the amount of {$1600.00} on my credit reports. It is not mine and this company is causing me immense complications and frustrations because of it.
I am seeking to have it removed fro my XXXX, XXXX, and XXXX credit reports immediately.
I have never had any business, ordered service, or had correspondence ( to or from ) with this company, nor the company they say they represent ( XXXX ).
All my attempts to validate this debt has went without response by Stellar Recovery.
|
| 03/24/2015 |
Yes |
- Debt collection
- I do not know
|
- Cont'd attempts collect debt not owed
- Debt is not mine
|
|
Web |
|
|
This company continues to report on my credit report after I sent them a letter telling them that this account was not mine and I have no idea what it is or who it belongs to!
I asked for proof of a signed contract, I asked for a license to collect in my state, I asked for copies of all information referenced for this debt and still to date, I have not received anything but harassment from this company!
THIS IS NOT MY DEBT!
I WANT THIS ACCOUNT REMOVED FROM MY CREDIT REPORT AND THIS COMPANY TO STOP CONTACTING ME IMMEDIATELY!
|
| 10/14/2016 |
Yes |
- Debt collection
- Other (i.e. phone, health club, etc.)
|
- Cont'd attempts collect debt not owed
- Debt resulted from identity theft
|
|
Web |
|
|
Look, these people are harassing me over {$170.00}!!!!!! I AM NOT paying for it!!!!!!! There should be NO DEBTS on my credit at all!!!! Also, I DO NOT need ANYMORE debt collectors contacting me!!!! These people just DO NOT LEARN!!!!! ALSO, THESE PEOPLE NEED TO LOSE MY XXXX SOCIAL SECURITY NUMBER, ADDRESSES,, ANYTHING OR ANYBODY THAT IS ASSOCIATED WITH ME, ETC ... LOOK AT MY XXXX CREDIT BUREAUS TOO. I ALWAYS FIND OUT THAT XXXX, SO THEY NEED TO KNOCK IT OFF!!!!! ALL THESE PPL CARE ABOUT ISTHEIR MONEY AND NOTHING ELSE!!!!!!!!!
|
| 11/16/2015 |
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 |
Servicemember |
|
This is regarding a {$180.00} debt bought from XXXX XXXX. Stellar Collections contacted my father, whom lives XXXX miles away, and whom I have n't lived with in over 13 years and told him the date of the delinquent bill, the full amount, and was asking how to get in touch with me. Subsequently, my family called me and informed me of all of the information, gave me the number to Stellar and said that they wished for me to call. This is outrageous and I also intend to file the issue within the court system here in Oregon.
|
| 01/22/2016 |
Yes |
- Debt collection
- I do not know
|
- Cont'd attempts collect debt not owed
- Debt is not mine
|
|
Web |
Older American |
|
I received a credit alert that a company called Stellar XXXX had place a Collection on my credit report. When I called they said it is from an account in MD from XXXX. We live in southern IL where XXXX is not even available and have never had an account with them or any contact with them in anyway. We spent 7 hours being transferred from XXXX department to another and no one will help resolve this. It should be against the law to do damage my credit when I positively know there is no possible way this debt is mine,
|
| 08/18/2017 |
Yes |
- Debt collection
- I do not know
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
Hey my name is XXXX XXXX and I had items that report to my credit report that does n't belong to me. I have submitted documentation to each party that is involve : credit bureaus, creditor and collection agency. Still no one has resolve this issue. The account t listed below DO NOT BELONG TO ME!!! Account Name : Stellar Recovery Account # : XXXX Amount : {$440.00} Please remove this account immediately and send an updated report. If not I 'm will to submit another complaint if needed to resolve this issue.
|
| 08/07/2017 |
Yes |
- Debt collection
- Other debt
|
- Communication tactics
- Frequent or repeated calls
|
|
Web |
|
|
In XXXX, we had XXXX XXXX that we canceled. We knew we would have to pay an early termination fee. We sent the equipment that was requested back to them. Our final bill, they charged us for the equipment that they did not receive back within 30 days. We sent it back and it was received. We told them that we were not going to pay for equipment that we did not and that they admitted they had. We are trying to buy a home and the amount of {$1300.00} showed up due to them selling the collection in XXXX XXXX.
|
| 04/20/2017 |
Yes |
|
- Cont'd attempts collect debt not owed
- Debt resulted from identity theft
|
|
Web |
|
|
I 've tried disputing a fraudulent collection account on my credit report. I 've sent letters to the agency and have gotten little response. My official complaint is against??? for reporting credit information to the credit reporting agencies that was a result of Identity Theft I 've asked in my letter that the negative reporting ceases and the information be removed from my credit report. I want the negative credit reporting to cease and for the collection account to be deleted from my credit report
|
| 07/18/2016 |
Yes |
- Debt collection
- Other (i.e. phone, health club, etc.)
|
- Disclosure verification of debt
- Right to dispute notice not received
|
|
Web |
|
|
I just received an alert on my credit. A new account was added to my credit by Stellar Recovery. The account says it was from XXXX.
Please be advised I was not aware XXXX still exist. I have had XXXX as my internet and television service provider for the past 10 years!!!
Moreover, I have never received a notice from XXXX nor was I ever contact by Stellar Recovery so it was quite a surprise when the unknown entry appeared on my credit and lowered my credit rating.
Stellar Recovery Account number XXXX
|
| 09/24/2017 |
Yes |
- Debt collection
- Other debt
|
- Written notification about debt
- Didn't receive notice of right to dispute
|
|
Web |
|
|
Hello, I received a notification from XXXX XXXX that new info was added to my credit reports. I looked at the info and a company named Stellar Recovery IncXXXX had placed an collection for an alleged debt of {$300.00}. This was on XXXX XXXX XXXX. I had not received a XXXX XXXX, phone contact or any other form of contact from this company. I had no opportunity to dispute or validate this alleged debt before being placed on my reports which caused an significant decrease in my credit scores.
|
| 03/23/2017 |
Yes |
- Debt collection
- Other (i.e. phone, health club, etc.)
|
- Cont'd attempts collect debt not owed
- Debt is not mine
|
|
Web |
|
|
I attempted to pay a bill XX/XX/2017 to a collection agency Stellar Recovery because it is on my credit report and they advised that they had no record of it. I advised that it is indeed on my credit report under their collection agency name in the amount of {$110.00}. I was placed on hold, the rep came back and still advised that their was no record in their system. I need this debt removed from my credit report. All I have is what is on my credit report so I have attached the report.
|
| 06/10/2015 |
Yes |
- Debt collection
- I do not know
|
- Improper contact or sharing of info
- Contacted employer after asked not to
|
|
Web |
|
|
HelloI am seeking help with a debt collector calling from the phone number of XXXX, that is constantly calling my place of employment. I am not allowed to receive personal calls unless it is a life or death matter. They are now asking for my supervisors since I am not able to take the calls. Please tell me what I can do, I am very afraid that they will cause me to lose my position here. This is truly harassing and should not be done to no XXXX at their place of employment.
Thank You.
|
| 08/13/2015 |
Yes |
- Debt collection
- Other (i.e. phone, health club, etc.)
|
- Disclosure verification of debt
- Not given enough info to verify debt
|
|
Web |
|
|
I called the original company who I had the debt with and was told I was no longer in their system and I should call the collection company. I called the number listed on my credit report for XXXX Collections but the number was no longer in service. Then, I noticed that this same open collection with XXXX was closed in XXXX 2015, on my credit report. I have never received any calls or letters from XXXX. I would XXXX to see if this can be permanently removed from my credit reports.
|
| 12/07/2017 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt was result of identity theft
|
|
Web |
Servicemember |
|
The posted derogatory credit remark for collection by Stellar Recovery Inc. is the same derogatory remark previously removed. The amount billed {$1400.00} originates from identity theft by XXXX XXXX in California used to open a XXXX XXXX account. I previously resolved and removed this derogatory remark using the CFPB complaint site. It appears that the previously resolved debt was trnsffered to another debt collection company despite the previously substantiated identity theft.
|
| 05/07/2016 |
Yes |
- Debt collection
- Other (i.e. phone, health club, etc.)
|
- Disclosure verification of debt
- Right to dispute notice not received
|
|
Web |
Older American, Servicemember |
|
I received a notice from a credit monitoring service that changes had been made to my credit report. Upon viewing my credit report, I discovered a negative report of an alleged debt. I have never received ANY communication from STELLAR RECOVERY INC that reported this alleged debt. ( Reported Since : XX/XX/2016 ) This debt has NOT been Verified or Validated, Nor did they send me ANY notice of a right to dispute BEFORE reporting it to ALL XXXX major credit reporting bureaus!!!
|
| 08/24/2016 |
Yes |
- Debt collection
- Other (i.e. phone, health club, etc.)
|
- Cont'd attempts collect debt not owed
- Debt was discharged in bankruptcy
|
|
Web |
|
|
XXXX- Stellar Recovery is trying to collect a debt I do not owe them for services I have never order from them. They assigned my SS number to someone else account by mistake or deliberately. I understand they want to collect over {$600.00} USD from me I have try to clarify this issue and now they want me to make a police report on identity theft and I will do so to keep them from damaging my credict.I just feel a victim myself of this company in their quest to make profit.
|
| 06/26/2017 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt was paid
|
|
Web |
|
|
Paid XXXX . I have a deletion letter as well from the company stellar recovery on XXXX account XXXX stellar file number XXXX and XXXX is still showing this debit and I have contacted them 5 times on this matter. I want this deleted from my credit report account. I 'm not sure if it 's on the other credit reporting agencies as well. But would like that deleted as well. This has been going on way to long. Even the company I paid thinks this is crazy!! Please help
|
| 04/03/2015 |
Yes |
- Debt collection
- Other (i.e. phone, health club, etc.)
|
- False statements or representation
- Indicated committed crime not paying
|
|
Web |
|
|
I was placed on collection for a non-existing debt of XXXX fro the amount of {$740.00}. I called XXXX to verified that I owe them nothing and of course I do n't but XXXX has this wrong information on my record and wont remove it. XXXX is the type of company that if you do n't pay them will cut your services so there is no way a person can have such debt with XXXX.
I am in the process of entering the police academy and this inaccurate information can ruin my career.
|
| 07/30/2016 |
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 |
|
|
I was told at the front desk of XXXX XX/XX/XXXX that there was no debt owed by me when I asked about the remaining balance.
After three years I see that is is still being reported as late as XX/XX/XXXX.
I did not know this was happening.
No attempts to collect this have been made to my address with any communication, not letter or email.
This has affected my credit rating for awhile and I am not certain that removing it by paying it will actually happen.
|
| 03/11/2016 |
Yes |
- Debt collection
- Other (i.e. phone, health club, etc.)
|
- Communication tactics
- Threatened to take legal action
|
|
Web |
|
|
these debts were paid off in full and still put on my credit report anyway. ( XXXX XXXX XXXX. Stellar Recovery was given my visa card # to take the money directly from my checking acct. XX/XX/2016. I called asked why they did not take the payment out. I was given the run around so on XX/XX/XXXX I called XXXX and paid them with my Visa card on XXXX XXXX 2016 my acct. was at that time paid in full. I then called stellar recovery told them what I had done and why.
|
| 03/30/2017 |
Yes |
- Debt collection
- I do not know
|
- Cont'd attempts collect debt not owed
- Debt resulted from identity theft
|
|
Web |
|
|
I am a victim of identity theft and noticed a collection from STELLAR RECOVERY. I 've attempted to dispute multiple times, however, no response on their end. Not sure what else to do. The police department told me to contact the federal trade commission which I wrote a formal complaint against STELLAR RECOVERY in regards to this matter. The FTC also instructed me to complete and theft affidavit through identity theft.gov. Attached is my document. Thank you
|
| 10/30/2017 |
Yes |
- Debt collection
- I do not know
|
- Attempts to collect debt not owed
- Debt was result of identity theft
|
|
Web |
|
|
This is a complaint against STELLAR RECOVERY INC. I have been a victim of identity theft for two years and my XXXX credit report shows an open account without my permission, without my authorization but this is not the worst thing is that it was opened with another number of Social Security that is not mine, so what is this abuse and lack of respect, the bad work that your department does to report to an agency a fraudulent account in my credit report.
|
| 10/04/2016 |
Yes |
- Debt collection
- Other (i.e. phone, health club, etc.)
|
- Cont'd attempts collect debt not owed
- Debt is not mine
|
|
Web |
|
|
The debt was challenged through XXXX and the 1 month investigation revealed I did not owe it was taken off my credit report and 1 month later S.R.I. is back on my credit report and now is leaving bad info as an inquiry thus hurting my credit further as retaliatory effort for challenging the report. I should not have to deal with them once they were removed its unfair thay can come back on to the credit report. The dispute they all edge is 6 years old.
|
| 07/27/2015 |
Yes |
- Debt collection
- Other (i.e. phone, health club, etc.)
|
- Cont'd attempts collect debt not owed
- Debt is not mine
|
|
Web |
|
|
STELLAR RECOVERY/XXXX has consistently troubled me over a debt of reported {$860.00} that I do not owe or have any prior knowledge of, as I 've never had any contract communications account with XXXX before. Their deliberate infusion of this account on my credit profile is impeding on my ability to currently obtain any credit.
STELLAR RECOVERY must delete erroneous information from my credit report with deliberate speed.
Thank you!
|
| 05/18/2016 |
Yes |
- Debt collection
- Other (i.e. phone, health club, etc.)
|
- Disclosure verification of debt
- Not disclosed as an attempt to collect
|
|
Web |
|
|
I get phone calls and letter for a collection agency trying to collected money for bills who does n't belong to me. I get multiples phone calls treated me of jail. I did n't know that the bill was send to collection without my knowledge, I want this harassment to stop immediately before I request some compensations for this issue. I am on DO NOT CALL list and still get call from collections who used difference number to get me answer.
|
| 05/05/2017 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt was result of identity theft
|
|
Web |
|
|
There was never any attempt to contact me or inform me of this supposed debt. Debt collector did not provide a valid phone number for me to contact them. It just showed up on my credit report. The recovery agency alleges I owe {$950.00} to XXXX XXXX from XXXX of last year, but I have had XXXX Fios for the past 4 years. I tried to call the number provided, but it does not ring or even connect. So I am unable to contact them.
|
| 09/29/2015 |
Yes |
|
- Incorrect information on credit report
- Account status
|
|
Web |
|
|
I turned in the equipment from my XXXX account years ago and they continue to call and harass me. I have received several calls from spoofed numbers regarding this merchandise. During one of those calls they signed me up for services that I had not requested. I told XXXX them over and over again that I turned the merchandise in. XXXX uses bait and switch tactica and actually several times signed me up for things I did n't ask for.
|
| 04/19/2015 |
Yes |
- Debt collection
- I do not know
|
- Cont'd attempts collect debt not owed
- Debt is not mine
|
|
Web |
|
|
This company continues to report on my credit report after I sent them a letter telling them that this account was not mine and I have no idea what it is or who it belongs to!
I asked for proof of a signed contract, I asked for a license to collect in my state, I asked for copies of all information referenced for this debt and still to date, I have not received anything but harassment from this company!
THIS IS NOT MY DEBT!
|
| 04/01/2015 |
Yes |
- Debt collection
- I do not know
|
- Cont'd attempts collect debt not owed
- Debt is not mine
|
|
Web |
|
|
THIS IS NOT MY DEBT! This company continues to report on my credit report after I sent them a letter telling them that this account was not mine and I have no idea what it is or who it belongs to!
I asked for proof of a signed contract, I asked for a license to collect in my state, I asked for copies of all information referenced for this debt and still to date, I have not received anything but harassment from this company!
|
| 10/10/2016 |
Yes |
- Debt collection
- Other (i.e. phone, health club, etc.)
|
- Cont'd attempts collect debt not owed
- Debt is not mine
|
|
Web |
Servicemember |
|
stellar recovery inc put the same collection, but a different account number, back on my report that was deleted on XXXX/XXXX/2016 from all XXXX bureau and that account number was XXXX on XXXX XXXX they added the same debt again but a different account number, which is XXXX I was not notified by the bureau that the same agency reporting the same account that was not mine has been re-added but with a different account number.
|
| 12/06/2017 |
Yes |
- Debt collection
- Credit card debt
|
- Written notification about debt
- Didn't receive enough information to verify debt
|
|
Web |
|
|
I was a victim of fraud and because I was I did all I could to request discovery. My requests were intentionally disregarded and now I have seveal collections on my account without sending me validity of debt or discovery Ic system account ( XXXX XXXX ) debt amount N/a XXXX ( XXXX XXXX ) owing {$720.00} XXXX ( XXXX ) owing {$1000.00} XXXX ( XXXX ) owing {$330.00} Stellar Rec ( XXXX ) owing {$1200.00} XXXX XXXX ) owing N/a
|
| 07/28/2016 |
Yes |
- Debt collection
- Other (i.e. phone, health club, etc.)
|
- Disclosure verification of debt
- Not given enough info to verify debt
|
|
Web |
|
|
Stellar Recovery placed an item on my credit file and on XXXX XXXX, 2016, a validation request was forwarded to Stellar Recovery, since that time, no response has been made regarding the validation of the debt at all. I have since sent correspondence to Stellar Recovery advising that since they failed to supply me with the proper validation items regarding this debt, they must now remove their tradeline from my credit fil
|
| 06/29/2016 |
Yes |
- Debt collection
- Other (i.e. phone, health club, etc.)
|
- Disclosure verification of debt
- Right to dispute notice not received
|
|
Web |
|
|
After having my credit pulled for a home loan, I was informed of an open collection from stellar recovery inc .
I have NOT received any communications ( mail, email, phone, etc. ) from stellar recovery inc . This debt has not been validated or verified. I have not received any notice of a right to dispute before they reported to all XXXX major credit bureaus. There is not enough correct info to verify the debt or amount.
|
| 05/06/2016 |
Yes |
- Debt collection
- Other (i.e. phone, health club, etc.)
|
- Cont'd attempts collect debt not owed
- Debt is not mine
|
|
Web |
|
|
Had a credit check and found out there are XXXX accounts that should not be on there.XXXX are from XXXX, 1 they have no record of, 2 is for a address i have never lived at and the 3rd is from a doctors office that should have sent it to my insurance company but didnt.What is the fastest way i can get these taken off, XXXX said it will take XXXX45 days, even after comcast got ahold of them.Does it really take that long?
|
| 07/03/2017 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
I came across this bill on my credit report from XXXX XXXX. I have never lived in the state where the bill was created. I told the company that the bill is not mine and they told me to get a police report. I tried to get one, but the police station near me told me that they do not give police report for such a thing. I am stumped do n't know what to do next. How else can I get such a bill off of my credit report?
|
| 05/09/2017 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Account information incorrect
|
|
Web |
|
|
I pulled my credit report and noticed tha t Stellar Recovery Inc a re reporting negative information to the reporting agencies. This company is not licensed and bonded to do business in the state of Texas and should be removed immediately from my credit files with the credit bureaus. I have contacted them with no resolution. I am requesting this information be deleted immediately due to affecting my credit.
|
| 04/11/2018 |
No |
- Debt collection
- I do not know
|
- False statements or representation
- Attempted to collect wrong amount
|
|
Web |
|
|
I called XXXX today and was gave the name of the company reporting all this false information. I was told that they didn't have any contact information for this company. So by law how can this company be reporting fake names and addresses. The name is XXXX XXXX this is not my name this has been going on for months with this false information. I keep reporting it but it keeps happening over and over.
|
| 04/11/2018 |
No |
- Debt collection
- I do not know
|
- False statements or representation
- Attempted to collect wrong amount
|
|
Web |
|
|
I called XXXX today and was gave the name of the company reporting all this false information. I was told that they didn't have any contact information for this company. So by law how can this company be reporting fake names and addresses. The name is XXXX XXXX this is not my name this has been going on for months with this false information. I keep reporting it but it keeps happening over and over.
|
| 02/29/2016 |
Yes |
- Debt collection
- Other (i.e. phone, health club, etc.)
|
- Cont'd attempts collect debt not owed
- Debt is not mine
|
|
Web |
|
|
I was helping a friend i thought i could trust because she was XXXX because she couldnt get cable in her name so i put it in my name i was living in a motel at the time but used her address as a way to get mail for awhile she ended up not paying the bill so i cancelled the account and she ended up getting another account in her daughters name and not paying that she has ruined XXXX peoples credit
|
| 10/23/2019 |
No |
- Debt collection
- Credit card debt
|
- Written notification about debt
- Didn't receive notice of right to dispute
|
|
Web |
|
|
On XX/XX/XXXX {$1700.00} dollars was taken out of my account with no notification of this money being owed. Credit office has been contacted and they stated they sent a notification in XXXX to an address where I no longer reside. I asked for a breakdown and what this is for and have not received any correspondence. I am a single parent with XXXX children, this was everything I had in my account.
|
| 06/15/2017 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
I recently checked my credit report and saw a line posted b y Stella Recovery , Inc., saying I owed them a debt of {$56.00} and the Original Lender is XXXX . I talked to XXXX and confirmed that not only I do not owe XXXX any money, but I also never had an account with XXXX . I called Stella Recovery and the person told me that the debt was from an address that I never lived before.
|
| 05/31/2016 |
Yes |
- Debt collection
- Credit card
|
- Communication tactics
- Frequent or repeated calls
|
|
Web |
Older American |
|
I received a call from telephone number XXXX which belongs to .Stellar Recovery, Inc. No message was letf of any type and we become immediately harrassed at this and do not want this company to call us again.
It is no way to do business when you leave no message and therefore I would not be interested in anyone from the company to ever call me whether it be by telephone, email or letter.
|
| 03/06/2017 |
Yes |
- Debt collection
- Other (i.e. phone, health club, etc.)
|
- Cont'd attempts collect debt not owed
- Debt was paid
|
|
Web |
|
|
I have paid this debt with the same account number through a different collection agency. I have proof that the debt is paid as the account numbers match for the same debt. I have faxed and emailed proof of this debt being paid but the collection company refuses to work with me and still holds the debt. They tell me they " will update my account with the notes that I dispute this debt ''.
|
| 07/31/2015 |
Yes |
- Debt collection
- Other (i.e. phone, health club, etc.)
|
- Disclosure verification of debt
- Right to dispute notice not received
|
|
Web |
|
|
A balance of {$220.00} from XX/XX/XXXX-XX/XX/2015 was incurred by my estranged wife, the XXXX cable account was cancelled as of XXXX/XXXX/2015 and the account was affiliated with my wife 's social security #. Now on XX/XX/2015 I find that a collection agency has place a negative entry into my credit report. I asked XXXX to contact their collection agency, They neglected my request.
|
| 09/04/2016 |
Yes |
- Debt collection
- Other (i.e. phone, health club, etc.)
|
- Cont'd attempts collect debt not owed
- Debt was paid
|
|
Web |
|
|
This is the same debt that was from another Collection Agency, XXXX XXXX, that was originally hired by XXXX for a payment of XXXX USD. This debt was carried over, even though the payment has already been paid last year.
STELLAR RECOVERY INC is the new collection agency that is trying to get me to pay money that I do not owe, that was passed from one collection agency to another
|
| 03/04/2016 |
Yes |
- Debt collection
- I do not know
|
- Cont'd attempts collect debt not owed
- Debt is not mine
|
|
Web |
|
|
I recently checked my credit and discovered that this company is reporting that I owe them a debt. To my knowledge I do n't recall this company ever providing me with a service nor do I remember me agreeing to pay them for said services. I never received any communication from this company prior to them placing it on my credit report. My rights under the FDCPA have been violated
|
| 03/20/2017 |
Yes |
- Debt collection
- I do not know
|
- Disclosure verification of debt
- Not given enough info to verify debt
|
|
Web |
|
|
I received a letter from Stellar Recovery for an alleged debt in the amount of {$620.00} on XX/XX/2017. I responded to the letter requesting debt validation on XX/XX/2017 via certified mail. Letter was delivered on XX/XX/2017 but the credit agency never responded for which, they should have responded within 30 days. The said debt collector is now in violation of FTC compliance.
|
| 09/30/2016 |
Yes |
- Debt collection
- Other (i.e. phone, health club, etc.)
|
- Cont'd attempts collect debt not owed
- Debt was paid
|
|
Web |
|
|
When checking derogatory remarks on my credit score, it shows that I STILL owe on this debt. Despite the fact that this was from XXXX a few years ago claiming I did not return equipment, which I did, When I went on their website to pay the total, the option came up to settle for {$41.00}. I have paid this debt to Stella Recovery and should be removed from my credit report.
|
| 05/11/2016 |
Yes |
- Debt collection
- Other (i.e. phone, health club, etc.)
|
- Communication tactics
- Threatened to take legal action
|
|
Web |
|
|
Called from a blocked number and threatened legal action in a voicemail. I already paid this debt prior to it going to collections, and I have the canceled check to prove it cleared to XXXX XXXX XXXX. Not only that, but this was a fraudulent account set up with my information without my consent and then not paid for by my ex spouse who works at XXXX XXXX XXXX, XXXX XXXX.
|
| 04/12/2015 |
Yes |
- Debt collection
- Other (i.e. phone, health club, etc.)
|
- Cont'd attempts collect debt not owed
- Debt resulted from identity theft
|
|
Web |
Servicemember |
|
a charge from XX/XX/XXXX for comcast cable was proven in XX/XX/XXXX to be an ID theft charge and was finally dismissed. Well now sterler or steller resources recovery is now again trying to recover payment for this debt and filed on my credit report that I owe this charge. I do not know what there problem is or if it is XXXX. But i am sick and tired of this, please help
|
| 11/07/2016 |
Yes |
- Debt collection
- Other (i.e. phone, health club, etc.)
|
- Disclosure verification of debt
- Right to dispute notice not received
|
|
Web |
|
|
A collection of {$390.00} was removed from my credit report by XXXX XXXX on XXXX XXXX, XXXX. Now a year later there is another collection for the same amount but from a different creditor on my credit report reported XXXX XXXX XXXX. It appears the creditor STELLAR RECOVERY INC has put it on my credit report without me being informed to give me my right to dispute it.
|
| 09/13/2015 |
Yes |
- Debt collection
- Other (i.e. phone, health club, etc.)
|
- Cont'd attempts collect debt not owed
- Debt is not mine
|
|
Web |
|
|
When I signed up for XXXX I agreed on a one year contract that was what the lady said on the phone with me. I never missed a payment the whole year and when I decided to cancel due to the fact that it kept going down they said I had to pay a fee for not staying with them for 2 years. I called and disputed that till the guy on the phone got very vulgar and demanding.
|
| 12/20/2016 |
Yes |
- Debt collection
- Other (i.e. phone, health club, etc.)
|
- Disclosure verification of debt
- Right to dispute notice not received
|
|
Web |
|
|
I have called numerous times to this agency to ask for an itemized billing statement and each time I am told it will either get faxed to me or mailed to me. I never have received the information I have requested other than a simplified statement. The reason I am asking is because I have the suspicion that I have paid XXXX separate agencies for the same merchant.
|
| 01/23/2017 |
Yes |
- Debt collection
- Other (i.e. phone, health club, etc.)
|
- Disclosure verification of debt
- Right to dispute notice not received
|
|
Web |
Servicemember |
|
Stellar is showing a collection account for & XXXX regarding XXXX. I have a current account with XXXX at my home of 12 years. I have forwarded a current paid up account invoice with all account details. I am not in arrears with XXXX and this collection account should be removed. No verification ever provided although requested and disputed at all Credit Bureaus
|
| 12/22/2016 |
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 no knowledge of said debt and I would like it removed as it 's reporting to the CB ( as an OPEN account ) and negatively affecting me. XXXX. This information was also shared illegally ( third party ) without my informed consent. XXXX. I would like this debt to be removed from my profile as it 's reporting to the Credit Bureaus and negatively affecting me
|
| 06/09/2017 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
Servicemember |
|
Stellar Rec has previously tried to collect a debt from me which I do not owe. Further they add it to my credit report as if it is a new debt, thus, re-aging the debt as a new one. This is a nefarious tactic they are using to compel me to pay them off. I have initiated dispute alerts with all credit reporting agencies and spoke with a Stellar Rec agent, today.
|
| 08/09/2016 |
Yes |
- Debt collection
- Other (i.e. phone, health club, etc.)
|
- Cont'd attempts collect debt not owed
- Debt is not mine
|
|
Web |
Servicemember |
|
Stellar Recovery, Inc has continued to collect a debt from me that I never owed them. I never established a contract with this company and they stalling to remove all the negative items from my credit reports immediately. They are in violation of the FCRA and the stature of limitation are up on the suppose debt and it not my debt and no longer collectable.
|
| 03/26/2018 |
No |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt was paid
|
|
Web |
|
|
I paid Stellar Recovery phone number XXXX address XXXX XXXX XXXX XXXX XXXX XXXX in XXXX FLORIDA {$450.00} to pay a XXXX bill to be removed from my credit then i received a letter from another company named XXXX XXXX saying that the bill had been reopened an i still owe {$450.00} when i paid the bill on my credit report the bill was removed an said paid.
|
| 03/29/2017 |
Yes |
- Debt collection
- Other (i.e. phone, health club, etc.)
|
- False statements or representation
- Attempted to collect wrong amount
|
|
Web |
|
|
XXXX had billed me incorrectly, and during the time we were trying to reconcile the account was sent to Stellar Recovery, Inc. I worked through the errors with XXXX and paid the outstanding balanced owed directly to XXXX, but Stellar tried to collect a debt that I did n't owe them and is now refusing to remove the credit attempt from my credit records.
|
| 12/16/2016 |
Yes |
- Debt collection
- Other (i.e. phone, health club, etc.)
|
- Communication tactics
- Called after sent written cease of comm
|
|
Web |
|
|
I informed Stellar Recovery that I was filing for bankruptcy and still they send me collection notices, also they send me notice in deceptive & deceitful manner I also retained legal services od XXXX Law Firm of XXXX XXXX NV, my case # XXXX in XXXX XXXX NV appeared in court XXXX XXXX 2016 @ XXXX XXXX XXXX XXXX .I 'm also on XXXX with a limited income.
|
| 02/02/2017 |
Yes |
- Debt collection
- I do not know
|
- Disclosure verification of debt
- Not given enough info to verify debt
|
|
Web |
|
|
Dated XXXX I received notice from Steller Recovery as well as phone calls in regards to an alleged amount owed of {$1100.00}. I sent a dispute notice for validation of debt in XXXX 2016 but never received response. They failed to send me validation of this debt. Steller is currently reporting to all XXXX credit reporting agencies of the alleged debt.
|
| 07/22/2017 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Old information reappears or never goes away
|
|
Web |
|
|
A new account appeared on my credit with all 3 reporting agencys. The original creditor is from XXXX XXXX. This was previously disputed and deleted from all my reports. It has since reappeared under Stellar Recovery ( XXXX XXXX ). This has now caused my score to drop and it should never been put on. This should be deleted as it previously once was.
|
| 03/23/2015 |
Yes |
- Debt collection
- Other (i.e. phone, health club, etc.)
|
- Cont'd attempts collect debt not owed
- Debt is not mine
|
|
Web |
Servicemember |
|
stellar recovery dba XXXX keeps putting open accounts marked as past due on my credit reports i have disputed and had them removed 4 times since XX/XX/2014 they keep adding them back on my credit report even after admitting that these accounts are n't mine ... this is having a very negative affect on my scores and preventing me from buying a house
|
| 03/06/2017 |
Yes |
- Debt collection
- Other (i.e. phone, health club, etc.)
|
- Cont'd attempts collect debt not owed
- Debt is not mine
|
|
Web |
|
|
Stellar Rec collection for XXXX dollars shows up for a phone Bill but I left the USA 3 years ago And asked XXXX to send me the last Bill before I left I paid it and now live in XXXX Now 3 months ago I am getting Stellar rec collections for XXXX dollars I paid in full 3 years ago what XXXX asked me to pay Then please correct the error Thanks a lot
|
| 02/16/2016 |
Yes |
- Debt collection
- Other (i.e. phone, health club, etc.)
|
- Disclosure verification of debt
- Right to dispute notice not received
|
|
Web |
|
|
Stellar Recovery Inc listed a collection account on my credit reports which I have no knowledge of. I have no clue who this company is or what account they have listed on my credit reports. I have received no correspondence from this company regarding any account. They have fraudulently accessed my credit report, and I am disputing this account.
|
| 12/07/2017 |
Yes |
- Debt collection
- Other debt
|
- Written notification about debt
- Notification didn't disclose it was an attempt to collect a debt
|
|
Web |
|
|
The collection was removed from previous collection agency known as XXXX XXXX , XXXX for {$450.00} and now being reported by a collection agency known as Stellar Recovery INC XXXX date opened XXXX-2017, furthermore according to FCRA I must be notified within 5 days of reinsertion. if you do n't get notified, that 's grounds for removal.
|
| 01/27/2016 |
Yes |
- Debt collection
- Other (i.e. phone, health club, etc.)
|
- Disclosure verification of debt
- Right to dispute notice not received
|
|
Web |
|
|
I recently closed my comcast account and paid all the statement balance.
And now just realized there is a debt collection place on my credit, i have never received any bill from comcast showing that i owed them the amount the debt collectors placed on my credit.Never received any statements from comcast nor the debt collecting agency
|
| 03/23/2017 |
Yes |
- Debt collection
- Other (i.e. phone, health club, etc.)
|
- Cont'd attempts collect debt not owed
- Debt was paid
|
|
Web |
|
|
I made several attempts to correct this matter with XXXX. I called and wrote email. I was told on several occasions that XXXX do n't make adjustment customer bills. The service was not working but I was still billed. I was charged for equipment that I had returned. I wrote several letter to corporate and never received a response.
|
| 05/19/2016 |
Yes |
- Debt collection
- I do not know
|
- Cont'd attempts collect debt not owed
- Debt is not mine
|
|
Web |
|
|
Fraudulent collections account. Called this company on numerous occasions, they referred me to XXXX XXXX. Called XXXX XXXX, they referred me back to Stellar Recovery. This happened also back in XXXX 2015 and was removed by the collections company. There is no validation for this collections account and account is fraudulent.
|
| 06/25/2017 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
I returned all XXXX equipment in 2015 as the attached receipt shows. The collection agency Stellar Recovery has never validated the debt or attempted to contact me about this erroneous collection. This company is highly disreputable since they are knowingly using false collections and information to hurt ordinary Americans.
|
| 02/28/2017 |
Yes |
- Debt collection
- I do not know
|
- Disclosure verification of debt
- Not given enough info to verify debt
|
|
Web |
Servicemember |
|
I RECEIVED AN EMAIL ALERT ON XX/XX/2017 VIA XXXX INDICATING I HAD A CHANGE WITH MY DEBT. I LOGGED ONTO XXXX SITE AND NOTICED THAT STELLA RECOVERY REPORTED THAT I OWED {$1400.00}. I HAVE NEVER HEARD OF THIS COMPANY AND I HAVE NEVER RECEIVED ANY CORRESPONDENCE FROM THEM REGARDING THIS DEBT, YET THEY REPORTED THIS TO XXXX.
|
| 03/23/2015 |
Yes |
- Debt collection
- Other (i.e. phone, health club, etc.)
|
- Cont'd attempts collect debt not owed
- Debt resulted from identity theft
|
|
Web |
|
|
Continued attempts by XXXX XXXX XXXX to collect on debt under my name. The debt was clearly shown under another name and address in a state I have never lived. I also was currently living in the northeast while the debt is in California.
I have disputed several times but the debt keeps showing up in my credit reports.
|
| 12/24/2015 |
Yes |
- Debt collection
- Other (i.e. phone, health club, etc.)
|
- Cont'd attempts collect debt not owed
- Debt is not mine
|
|
Web |
|
|
I have received attempts to collect a debt that is not mine. Stellar Recovery Inc. is reporting a collection on my account on behalf of XXXX. I have never been an account holder at XXXX, I have never ordered any of their services, and I do not owe them any money. Attempts to dispute this collection have been ignored.
|
| 10/23/2015 |
Yes |
- Debt collection
- Other (i.e. phone, health club, etc.)
|
- Cont'd attempts collect debt not owed
- Debt was paid
|
|
Web |
|
|
I found a debt with XXXX on my credit report that was being reported by stellar recovery. I contacted and paid that debt with comcast on XXXX/XXXX/2015. XXXX stated that they would contact stellar recovery to have this debt reported as paid. As of today, XXXX/XXXX/2015 the account with stellar recover shows unpaid.
|
| 06/19/2017 |
Yes |
- Debt collection
- Other debt
|
- Written notification about debt
- Didn't receive notice of right to dispute
|
|
Web |
|
|
I turned in my equipment with XXXX and paid my last statement that I was aware of and then I noticed on my credit repo rt that STELLAR RECOVERY INC placed a collection against me in the amount of XXXX . I was unaware of any payment due and never received notification before it being placed on my credit report
|
| 05/05/2016 |
Yes |
- Debt collection
- Other (i.e. phone, health club, etc.)
|
- Cont'd attempts collect debt not owed
- Debt is not mine
|
|
Web |
|
|
I contacted Stellar Recovery Inc about this account that was sent to them by XXXX at XXXX. Stellar Recovery told me that the account is no longer with them and that I should contact XXXX XXXX. I contacted XXXX XXXX at XXXX and they told me the account is no longer active and they ca n't do anything about it.
|
| 07/14/2015 |
Yes |
- Debt collection
- I do not know
|
- Cont'd attempts collect debt not owed
- Debt is not mine
|
|
Web |
Older American |
|
Almost daily phone calls from Stellar Recovery for months now. All computer calls.
I own my home, own my car, pay my credit card bill monthly, as well as utility bills, insurance, etc.
I have a stellar credit rating, clean credit record, and owe money to no one. Obviously, this is unwarranted harassment.
|
| 01/21/2017 |
Yes |
- Debt collection
- Other (i.e. phone, health club, etc.)
|
- Cont'd attempts collect debt not owed
- Debt is not mine
|
|
Web |
|
|
I moved from my apartment and called XXXX and canceled my service and returned the equipment. They continued to charge me without my knowledge. Only found out about it after it went into collectins. This collection company has been basically harassing me for years now. Have spoken with them multiple times.
|
| 06/17/2015 |
Yes |
- Debt collection
- Other (i.e. phone, health club, etc.)
|
- Disclosure verification of debt
- Right to dispute notice not received
|
|
Web |
Servicemember |
|
Stellar Recvery Inc. and XXXX together Placed a derogatory collection line on my XXXX Credit File on XXXX/XXXX/2016 before and without sending me any notice to either make me aware of the debt or explaining my rights to dispute. Stellar failed to perform proper notification in writing required be ( FCRA )
|
| 11/23/2016 |
Yes |
|
- Incorrect information on credit report
- Account status
|
|
Web |
|
|
I paid a collection account in full in XX/XX/2014. To this day the account is still showing on my credit reports as a seriously delinquent collection account, which has been a down fall to my credit. I would like this account removed from my credit report so I can be in good standing to future creditors.
|
| 10/29/2015 |
Yes |
- Debt collection
- Other (i.e. phone, health club, etc.)
|
- Cont'd attempts collect debt not owed
- Debt is not mine
|
|
Web |
|
|
Me & my father share the same name I 'm a XXXX and he is the XXXX. I have never had a XXXX bill in my name I believe that the current collection agency has mistaken me for my father. I have sent out XXXX validation notices to Stellar Recovery and have not got any response it has been more that 45 days.
|
| 08/04/2017 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
I checked my credit history today ( XX/XX/XXXX ) and found that STELLAR RECOVERY was claiming that I owed {$440.00} to the original creditor of XXXX XXXX with an open date of XX/XX/XXXX. I have never had XXXX XXXX and do not owe this amount. I ask that it is completely removed from my credit history.
|
| 10/13/2017 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Information belongs to someone else
|
|
Web |
|
|
I currently have an account with Stellar Recovery Inc for XXXX with XXXX. XXXX are charging me with giving back the equipment which I already did. I have my recent and XXXX still has n't changed the information. This account should have never been on my credit report and I 'm requesting removal.
|
| 02/16/2017 |
Yes |
- Debt collection
- Other (i.e. phone, health club, etc.)
|
- Cont'd attempts collect debt not owed
- Debt was paid
|
|
Web |
|
|
STELLAR RECOVERY INC is trying to recollect a debt that has already been paid. STELLAR RECOVERY INC has been notified the debt has been paid in full but continues to try to collect and report it on my credit report. The debt was paid to XXXX and removed from my credit report XXXX XXXX 2015.
|
| 02/22/2016 |
Yes |
- Debt collection
- Other (i.e. phone, health club, etc.)
|
- Cont'd attempts collect debt not owed
- Debt is not mine
|
|
Web |
Older American |
|
I cancelled the contract in less than 3 days with XXXX because I had to move. They refused to allow me to cancel and want money I do not owe! XXXX (? ) Place a collection and it was removed as shown on my XXXX credit report, now Stellar Recovery Inc has it listed as a bad collection debt.
|
| 10/19/2017 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt was paid
|
|
Web |
|
|
I was advised by creditor XXXX to speak with collection agency XXXX XXXX via telephone transfer, and XXXX advised that XXXX provided incorrect identification on the negative credit reporting. I gave XXXX my personal identification and they could not find any record of me in their system.
|
| 02/05/2017 |
Yes |
- Debt collection
- Other (i.e. phone, health club, etc.)
|
- Cont'd attempts collect debt not owed
- Debt is not mine
|
|
Web |
|
|
After I had cancelled my XXXX, I returned my internet modem but XXXX XXXX is claiming that I never returned it and is rotating {$99.00} worth of debt between debt collectors. I had this issue resolved a few years ago and it fell off my credit report, now it is back on my credit report.
|
| 10/30/2016 |
Yes |
- Debt collection
- Other (i.e. phone, health club, etc.)
|
- Cont'd attempts collect debt not owed
- Debt resulted from identity theft
|
|
Web |
Servicemember |
|
I am receiving harassing and threatening telephone, and death threats from representatives from Stellar Recovery , Inc., in regards to an account that do n't belong to me and is the result of identity theft. I am a victim of identity theft and the account do n't belong to me.
|
| 03/20/2015 |
Yes |
- Debt collection
- Other (i.e. phone, health club, etc.)
|
- Cont'd attempts collect debt not owed
- Debt is not mine
|
|
Web |
|
|
Debt was previously deleted from my credit report on XXXX XXXX by XXXX after fraud affidavit filed with XXXX and the FTC. This is not my account and I demand that the account be deleted from my credit reports.
STELLAR RECOVERY INC .
XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX
|
| 06/17/2016 |
Yes |
- Debt collection
- Other (i.e. phone, health club, etc.)
|
- Disclosure verification of debt
- Not given enough info to verify debt
|
|
Web |
|
|
Sent debt collector request to validate. They sent statement with XXXX logo on it, an XXXX number, total amount due, bill date, a closing balance, additional charges ( undefined ). And that 's it. No notice of right to dispute. No other information requested in my letter.
|
| 05/02/2016 |
Yes |
- Debt collection
- Other (i.e. phone, health club, etc.)
|
- Cont'd attempts collect debt not owed
- Debt was paid
|
|
Web |
|
|
I paid the original creditor, XXXX XXXX XXXX, ( which was a fraudulent account opened by my ex-spouse with my information without my permission, as he is an employee of XXXX XXXX XXXX ), and then a month later a collection for that same bill showed up on my credit report.
|
| 05/22/2016 |
Yes |
- Debt collection
- I do not know
|
- Cont'd attempts collect debt not owed
- Debt is not mine
|
|
Web |
|
|
I have continuously requested that the person they are trying to locate is not at my home phone number. I have no obligation, and I explain this. They promise to stop calling my phone number, but begin again within a matter of days. They are not updating their database.
|
| 09/11/2017 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Old information reappears or never goes away
|
|
Web |
Servicemember |
|
i called the collection agency for my debt verification. but they cant verify it. and it wasnt on their system. and said that they will remove it on my credit report. its been 2 months i believe but its still shows on my credit as open and with negative information.
|
| 12/07/2017 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt was result of identity theft
|
|
Web |
|
|
I contacted the collection agency and advised that I have never had XXXX XXXX and that I was a victim of id theft. I advised I never lived in south Carolina and they refused to give me a letter stating that the collection was fraud. And that it was a false account.
|
| 07/27/2016 |
Yes |
- Debt collection
- Other (i.e. phone, health club, etc.)
|
- False statements or representation
- Attempted to collect wrong amount
|
|
Web |
|
|
XXXX overcharged my account by almost {$300.00}, by placing an early termination fee on my account. This was done in era because I still was a customer. After they noticed and admitted to the wrong doing they said they would not and could not take the charge off.
|
| 03/24/2017 |
Yes |
- Debt collection
- I do not know
|
- Disclosure verification of debt
- Not given enough info to verify debt
|
|
Web |
|
|
Back in mid XX/XX/XXXX I filed a complaint against Stellar Recovery for validation of debt. Stellar stated that they would close this account and release debt from all national bureaus. In the meanwhile they are still continuing to contact me on an unvalid debt.
|
| 02/16/2017 |
Yes |
- Debt collection
- Other (i.e. phone, health club, etc.)
|
- Cont'd attempts collect debt not owed
- Debt was paid
|
|
Web |
|
|
XXXX is trying to recollect a debt that has already been paid. XXXX has been notified the debt has been paid in full but continues to try to collect and report it on my credit report. The debt was paid to ERC and removed from my credit report XXXX XXXX 2015.
|
| 10/22/2016 |
Yes |
- Debt collection
- Other (i.e. phone, health club, etc.)
|
- Cont'd attempts collect debt not owed
- Debt is not mine
|
|
Web |
|
|
XXXX XXXX continues to claim that I owe money for an account that was never mine. The same debt has been added to my credit report in collections for the third time. I have cleared the issue with XXXX XXXX twice and it was erased, but has somehow returned.
|
| 03/31/2017 |
Yes |
- Debt collection
- Other (i.e. phone, health club, etc.)
|
- Disclosure verification of debt
- Right to dispute notice not received
|
|
Web |
|
|
I canceled XXXX account and sent back the equipment within 30 days because the service did not work in my area. I was under the impression I would not be charged if i was not satisfied with service. And I had the option to send equipment back, which I did
|
| 06/26/2017 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Information belongs to someone else
|
|
Web |
|
|
There are more inaccuracies than correct info. XXXX accounts are not even my name. My ex added me to multiple accounts and I 'm having a hard time getting rid of her info on my credit report. Also I 've had medical insurance since before the bill accrued
|
| 07/17/2015 |
Yes |
- Debt collection
- I do not know
|
- Cont'd attempts collect debt not owed
- Debt resulted from identity theft
|
|
Web |
|
|
my identity was stolen and accounts were fraudulently opened since people have been trying to collect on debts that do not belong to me that need to be removed this account # XXXX from stellar recovery does not belong to me and was opened fraudulently
|
| 11/26/2016 |
Yes |
- Debt collection
- Other (i.e. phone, health club, etc.)
|
- Cont'd attempts collect debt not owed
- Debt is not mine
|
|
Web |
|
|
XXXX agreed to settle the alleged debt in arbitration two years ago. Now, Stellar has come along and is attempting to collect the debt that was settled with XXXX.
Stellar is # XXXX for most complaints, and really should be investigated and fined.
|
| 01/07/2017 |
Yes |
- Debt collection
- Other (i.e. phone, health club, etc.)
|
- Cont'd attempts collect debt not owed
- Debt is not mine
|
|
Web |
|
|
The debt in question was dropped by the original company because the service was not actually used so the debt is no longer applicable to me. XXXX already fixed the inquiry on their report but I can not figure out how to fix the inquiry with XXXX
|
| 07/11/2016 |
Yes |
- Debt collection
- I do not know
|
- Cont'd attempts collect debt not owed
- Debt is not mine
|
|
Web |
Servicemember |
|
Stellar Recovery INC is attempting to collect a debt from me that I do n't owe them. I never established a contract with this company and they have reported negative items onto my XXXX and XXXX credit reports which is in violation of the FCRA.
|
| 02/19/2018 |
No |
- Debt collection
- Other debt
|
- Written notification about debt
- Didn't receive notice of right to dispute
|
|
Web |
|
|
on XX/XX/15, I received a claim against my credit score for a debt belonging to XXXX XXXX. I tried to contact Stellar Recovery INC and they have no phone number or website. I called XXXX XXXX and they said they show no records of my debt.
|
| 10/24/2016 |
Yes |
- Debt collection
- Other (i.e. phone, health club, etc.)
|
- Cont'd attempts collect debt not owed
- Debt was paid
|
|
Web |
|
|
The original creditor was XXXX and they were paid directly a long months ago. XXXX said they notified the collection agency about the payment once it was received and they should have never put this on my credit report in the first place.
|
| 03/25/2015 |
Yes |
- Debt collection
- Other (i.e. phone, health club, etc.)
|
- Cont'd attempts collect debt not owed
- Debt is not mine
|
|
Web |
|
|
they keep calling me to get debt i do not owe. i couldnt understand the women she was talking too fast but she mentioned that the debt belongs to comcast. i do not owe comcast anything and comcast did not contact me about any debt issue.
|
| 08/06/2015 |
Yes |
- Debt collection
- I do not know
|
- Cont'd attempts collect debt not owed
- Debt is not mine
|
|
Web |
|
|
I recently pulled my credit report and discovered that this company has reported that I owe them a debt. I have not received a letter from them prior to them placing this on my credit report. I was not afforded my right under the FDCPA.
|
| 03/07/2016 |
Yes |
- Debt collection
- Other (i.e. phone, health club, etc.)
|
- Cont'd attempts collect debt not owed
- Debt was discharged in bankruptcy
|
|
Web |
|
|
I filed bankruptcy and it was discharged in XXXX 2015. Stellar Recovery is still showing an account as open collections on my credit report. No balance, no account number, with remarks of Chapter XXXX bankruptcy, bankruptcy discharged.
|
| 01/27/2017 |
Yes |
- Debt collection
- I do not know
|
- Disclosure verification of debt
- Right to dispute notice not received
|
|
Web |
|
|
I applied for credit XX/XX/2017 at this time it was disclosed to me a debt was placed on my report. I have no knowledge of said debt and did not receive a notice to dispute the validity of the debt before it was added to my report.
|
| 10/16/2016 |
Yes |
- Debt collection
- I do not know
|
- False statements or representation
- Attempted to collect wrong amount
|
|
Web |
|
|
They have placed the account with the credit bureau 's 3-4 times on each of my credit reports. I called and asked for verification of the account because of amount and they continue to put it on reports now as if its new accounts.
|
| 05/17/2016 |
Yes |
- Debt collection
- Other (i.e. phone, health club, etc.)
|
- Cont'd attempts collect debt not owed
- Debt is not mine
|
|
Web |
|
|
I never received any letters in the mail or received any telephone calls from XXXX XXXX XXXX concerning this matter. I was not aware of this collection until Saturday, XXXX XXXX, 2016, when I got the collection letter in the mail.
|
| 04/21/2015 |
Yes |
- Debt collection
- Other (i.e. phone, health club, etc.)
|
- False statements or representation
- Attempted to collect wrong amount
|
|
Web |
|
|
I started looking in to buying a house last year, pulled my credit, found this Stellar Rec on there, called, payed them, and it did n't get removed from my credit report, it was pain in full XXXX. Please help me get it deleted.
|
| 12/28/2016 |
Yes |
- Debt collection
- Other (i.e. phone, health club, etc.)
|
- Cont'd attempts collect debt not owed
- Debt is not mine
|
|
Web |
|
|
STELLAR RECOVERY INC Has place an account in collectection with XXXX, XXXX stating I Owe them {$400.00} dollars. I have never had a account with this company and only became aware of this debt when I received my credit report.
|
| 03/29/2017 |
Yes |
- Debt collection
- Other (i.e. phone, health club, etc.)
|
- Communication tactics
- Frequent or repeated calls
|
|
Web |
|
|
i explicitly told Stellar Recovery not to contact me by phone as my collection is part of a Debt Management program and being paid monthly to them. they continued to repeatedly kept calling me daily and multiple times a day.
|
| 10/24/2016 |
Yes |
- Debt collection
- Other (i.e. phone, health club, etc.)
|
- Cont'd attempts collect debt not owed
- Debt was paid
|
|
Web |
|
|
Stellar recovery had reported into my credit saying that i owe XXXX {$240.00}. However, i had pay this bill with XXXX and even XXXX had confirmed that this debt had been paid off and should not been reported in to my credit.
|
| 09/03/2016 |
Yes |
- Debt collection
- Other (i.e. phone, health club, etc.)
|
- Cont'd attempts collect debt not owed
- Debt is not mine
|
|
Web |
|
|
I do recall owing this money to XXXX. I turned in all of the equipment when I changed service. I 'm just not sure I left a balance. If in fact you do find that I do still owe them I would like to make arrangements to settle.
|
| 05/21/2016 |
Yes |
- Debt collection
- Other (i.e. phone, health club, etc.)
|
- Cont'd attempts collect debt not owed
- Debt was paid
|
|
Web |
|
|
Stellar Recovery still has me in collections, and this debt has been paid to the original debtor, for months. And I disputed the account and it has not been removed from my credit report. I have submitted a second dispute.
|
| 08/27/2015 |
Yes |
- Debt collection
- I do not know
|
- Cont'd attempts collect debt not owed
- Debt is not mine
|
|
Web |
|
|
i recently pulled my credit report and discovered that this company has reported that I owe them a debt. I never received a letter from them informing me that I owed them anything and rights were violated under the FDCPA
|
| 06/03/2016 |
Yes |
- Debt collection
- Other (i.e. phone, health club, etc.)
|
- Disclosure verification of debt
- Right to dispute notice not received
|
|
Web |
Servicemember |
|
No written notice. No communication. Did not receive notice of right to disputed. Sent info to my credit report. Not enough correct info to verify debt or amount. After I filed a complaint to XXXX I recieved an email.
|
| 04/21/2017 |
Yes |
- Debt collection
- I do not know
|
- Disclosure verification of debt
- Right to dispute notice not received
|
|
Web |
|
|
Stellar Recovery recently reported a {$560.00} collection account on my XXXX XXXX credit report. Prior to this account appearing on my report, Stellar Recovery never supplied me with a notice of right to dispute.
|
| 10/25/2017 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt was result of identity theft
|
|
Web |
|
|
I am writing to request that the account in collection placed on my credit report be removed. Under the XXXX XXXX XXXX Practices XXXX XXXX FDCPA XXXX. This is not a request for validation ... XXXX XXXX XXXX -- XXXX
|
| 06/13/2016 |
Yes |
- Debt collection
- Other (i.e. phone, health club, etc.)
|
- Disclosure verification of debt
- Right to dispute notice not received
|
|
Web |
|
|
Stellar Recovery Inc. has placed a collection report for {$100.00} on my XXXX report as of XXXX/XXXX/2016 with no communications via mail or phone. If they claim to have notified by mail, I have not received them.
|
| 07/20/2017 |
Yes |
- Debt collection
- Other debt
|
- Written notification about debt
- Didn't receive notice of right to dispute
|
|
Web |
|
|
Stellar Recovery recently reported a { {$210.00} } collection account on my XXXX credit report. Prior to this account appearing on my report, Stellar Recovery never supplied me with a notice of right to dispute.
|
| 10/26/2016 |
Yes |
- Debt collection
- Other (i.e. phone, health club, etc.)
|
- Communication tactics
- Frequent or repeated calls
|
|
Web |
|
|
XXXX did not change the amount owed. I was charged for XXXX services and only had XXXX. The phone was always needing service order requests that eventually never got resolved. I will pay the bill once corrected.
|
| 09/14/2016 |
Yes |
- Debt collection
- Credit card
|
- Cont'd attempts collect debt not owed
- Debt is not mine
|
|
Web |
|
|
I checked XXXX and read that my credit was poor. I did further investigation and found that everything that I am in debt for are n't from me. I did not open the accounts, nor did I make payments to the accounts.
|
| 09/28/2017 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
There is an account with a company called Stellar Recovery which is unknown. I have requested validation of this unknown account and nothing has been received. False and inaccurate data listed on my credit file
|
| 07/27/2015 |
Yes |
- Debt collection
- Other (i.e. phone, health club, etc.)
|
- Cont'd attempts collect debt not owed
- Debt was paid
|
|
Web |
|
|
I have disputed this incorrect reporting with the XXXX bureaus, indicating this was paid/equipment returned. I still have had no luck getting Stellar Recovery to remove this information from my credit files.
|
| 03/31/2017 |
Yes |
- Debt collection
- I do not know
|
- Disclosure verification of debt
- Not given enough info to verify debt
|
|
Web |
|
|
I have not received any documentation validating the debt that they are trying to collect. I have not been provided with a contract or any instrument bearing my signature validating that this debt is mine.
|
| 05/25/2016 |
Yes |
- Debt collection
- I do not know
|
- Communication tactics
- Frequent or repeated calls
|
|
Web |
|
|
Everyday for about the last 6 months I have received a phone call from the same phone number, XXXX. It appears to be from a collection agency, the number located in XXXX, CA. They never leave a message.
|
| 05/01/2015 |
Yes |
- Consumer Loan
- Installment loan
|
- Shopping for a loan or lease
|
|
Web |
|
|
Trying to get a loan and found a misc. mark on my credit report. I was never notified by mail about this matter, when I called the company the address they had on file for the account I never lived at.
|
| 05/03/2018 |
No |
- Debt collection
- Credit card debt
|
- Written notification about debt
- Didn't receive enough information to verify debt
|
|
Web |
|
|
Stellar Recovery has violated 15 USC 1692 by continuing collection activity after a cease and desist and 15 USC 1681 by failing to report complete and accurate information to credit reporting bureaus.
|
| 05/13/2017 |
Yes |
- Debt collection
- I do not know
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
I see that I have a dept collection of {$340.00} from stellar Rec that was opened in XXXX / XXXX / 17 . I DID NOT OPEN ANY ACCOUNT, THEREFORE I DO NOT OWE ANYTHING TO THIS COMPANY!!! PLEASE HELP!!!
|
| 10/26/2016 |
Yes |
- Debt collection
- I do not know
|
- Cont'd attempts collect debt not owed
- Debt is not mine
|
|
Web |
|
|
i am just recently seeing new things on my credit history i am unfamiliar with, its is false and harming my credit situations and would like to have them removed do to company which is harrassing me
|
| 09/27/2015 |
Yes |
- Debt collection
- Payday loan
|
- Taking/threatening an illegal action
- Threatened arrest/jail if do not pay
|
|
Web |
|
|
The company STELLAR RECOVERY INC has sent several emails threatening to have me arrested also to freeze my social security number and benefits as well as inform my boss and family that i owe money.
|
| 04/19/2015 |
Yes |
- Debt collection
- Other (i.e. phone, health club, etc.)
|
- Cont'd attempts collect debt not owed
- Debt was paid
|
|
Web |
|
|
I paid a XXXX XXXX on XXXX XXXX. On XXXX XXXX and the XXXX respectively. XXXX hired. XXXX XXXX, XXXX and Stellar Recovery, inc. to continue to collect a debt I have already paid directly to XXXX.
|
| 08/05/2015 |
Yes |
- Debt collection
- Other (i.e. phone, health club, etc.)
|
- Disclosure verification of debt
- Right to dispute notice not received
|
|
Web |
|
|
Stellar Recovery never contacted me about my debt or provided me with any information regarding the delinquent account they inherited from XXXX. I did not receive the notice of right to dispute.
|
| 03/15/2017 |
Yes |
- Debt collection
- Other (i.e. phone, health club, etc.)
|
- Cont'd attempts collect debt not owed
- Debt is not mine
|
|
Web |
|
|
XXXX has sent a bill that I have disputed as identity theft to another collection agency. I would like XXXX to close the bill out completely as identity theft and quit out sourcing the loan.
|
| 04/06/2017 |
Yes |
|
- Incorrect information on credit report
- Information is not mine
|
|
Web |
|
|
I never had an account with XXXX. I never lived at the reported address. I sent a letter asking to verify that this account was mine and nothing was sent from the credit repoting agency
|
| 10/16/2015 |
No |
- Debt collection
- Credit card
|
- Cont'd attempts collect debt not owed
- Debt resulted from identity theft
|
|
Web |
Older American |
|
Stellar Recovery Inc Keeps calling my cell phone too frequently at all times of the day for a debt that was a fraud account and was not my account. They need to cease with this activity
|
| 07/24/2015 |
Yes |
- Debt collection
- Other (i.e. phone, health club, etc.)
|
- Disclosure verification of debt
- Right to dispute notice not received
|
|
Web |
|
|
Stellar recovery place a bill on my credit report without sending me a written notice. Also never left me a message to call. I received an email thru my credit alert about the bill.
|
| 04/14/2015 |
Yes |
- Debt collection
- Other (i.e. phone, health club, etc.)
|
- Cont'd attempts collect debt not owed
- Debt is not mine
|
|
Web |
|
|
I REVIEWED MY XXXX CREDIT BUREAU REPORTS AND I NOTICED THAT I HAVE STELLAR RECOVERY COLLECTION ACCOUNT I SENT A NOTICE OF DISPUTE DIRECTLY TO COMPANY I HAVE NOT HAD ANY RESPONSES
|
| 07/31/2015 |
Yes |
- Debt collection
- Other (i.e. phone, health club, etc.)
|
- Cont'd attempts collect debt not owed
- Debt is not mine
|
|
Web |
|
|
I recently pulled my credit report and this company has reported that I owe them a debt. I have never received any letter from this company informing me that I owe them a debt.
|
| 12/27/2016 |
Yes |
- Debt collection
- Other (i.e. phone, health club, etc.)
|
- Cont'd attempts collect debt not owed
- Debt resulted from identity theft
|
|
Web |
|
|
I keep receiving harassing phone calls on a debt that I do not owe and that was fraudulently opened in my name, I have asked them to stop calling but they continue to do so.
|
| 10/31/2016 |
Yes |
- Debt collection
- Other (i.e. phone, health club, etc.)
|
- Communication tactics
- Threatened to take legal action
|
|
Web |
|
|
Had a contract with XXXX.wasnt happy with service.wanted to go back to XXXX.XXXX said they would pay termination fee, and they did! XXXX said we owed more which we did n't.
|
| 02/15/2016 |
Yes |
- Debt collection
- Other (i.e. phone, health club, etc.)
|
- Cont'd attempts collect debt not owed
- Debt is not mine
|
|
Web |
|
|
I have previously filed XXXX complaints regarding this issue but XXXX XXXX has now referred the matter to a fourth collection agency. I nor my wife owe XXXX XXXX anything.
|
| 07/15/2015 |
Yes |
- Debt collection
- Other (i.e. phone, health club, etc.)
|
- Cont'd attempts collect debt not owed
- Debt is not mine
|
|
Web |
|
|
This is not mine. I cancelled service before my relocation. Account was in good standing prior to my move and collection of service did not violate any contract agreement
|
| 04/14/2017 |
Yes |
- Debt collection
- Other (i.e. phone, health club, etc.)
|
- Cont'd attempts collect debt not owed
- Debt is not mine
|
|
Web |
|
|
I do not have knowledge of this debt and believe it is not mine. I have not had XXXX. This debt is being collected by not only this company but another company as well.
|
| 07/13/2016 |
Yes |
- Debt collection
- Other (i.e. phone, health club, etc.)
|
- Disclosure verification of debt
- Right to dispute notice not received
|
|
Web |
|
|
I phoned the collection agency directly and mentioned this was not mine. The collection for {$89.00} posted on my XXXX Credit Bureau file in 2012 to have it removed.
|
| 07/20/2017 |
Yes |
- Debt collection
- I do not know
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
On XXXX XXXX 2017 a collection for XXXX was placed on my credit profile by Stellar Recovery Inc and I have no idea who this Company is or where this debt came from.
|
| 12/24/2016 |
Yes |
- Debt collection
- I do not know
|
- Cont'd attempts collect debt not owed
- Debt is not mine
|
|
Web |
|
|
I have a open collection for XXXX dollars from XXXX but I do n't have XXXX. Have n't received a bill. So I was wondering if it could be identity theft. Please help.
|
| 01/21/2017 |
Yes |
- Debt collection
- I do not know
|
- Disclosure verification of debt
- Not given enough info to verify debt
|
|
Web |
|
|
I Do n't Know Who I Owe & If It 's Me That Owes ... Need To Know More About The Debt.. Who To Contact & If Information Is Right Who & Where Do I Send Money Too??
|
| 06/14/2017 |
Yes |
- Debt collection
- Other debt
|
- Written notification about debt
- Notification didn't disclose it was an attempt to collect a debt
|
|
Web |
|
|
False inquiry about a collection debt from XXXX XXXX . That I never signed or gave my social security to them. Yes I 'm claiming fraud on this collection!
|
| 03/05/2016 |
Yes |
- Debt collection
- I do not know
|
- Cont'd attempts collect debt not owed
- Debt is not mine
|
|
Web |
|
|
XXXX HAS CONTINUE TO REPORT AND ACCOUNT THATS NOT MINE THIS IS BEING REPORTED TO XXXX, XXXX XXXX THIS INFORMATON IS INACCURATE!. LOWERING MY CREDIT SCORES
|
| 09/24/2016 |
Yes |
- Debt collection
- Other (i.e. phone, health club, etc.)
|
- Disclosure verification of debt
- Not given enough info to verify debt
|
|
Web |
|
|
I do not how I have a debt with XXXX when I still and always had a continuous account with XXXX I have disputed this account and no one seems to get it
|
| 03/20/2015 |
Yes |
- Debt collection
- I do not know
|
- Cont'd attempts collect debt not owed
- Debt was discharged in bankruptcy
|
|
Web |
|
|
some is using my name and social security number applying for cards in my name. I been receiving phone calls from XXXX and all around different states.
|
| 10/04/2017 |
Yes |
- Debt collection
- Other debt
|
- Written notification about debt
- Didn't receive notice of right to dispute
|
|
Web |
|
|
Under the FDCPA, your right to dispute the. I was not given the right to dispute the dispute of {$200.00} by this debt collection on XXXX/XXXX/XXXX.
|
| 10/13/2016 |
Yes |
- Debt collection
- Other (i.e. phone, health club, etc.)
|
- Disclosure verification of debt
- Not given enough info to verify debt
|
|
Web |
|
|
XX/XX/2016 mailed validation request to Stellar Recovery Inc . They have not responded and the account continues to be reported to credit bureaus.
|
| 09/27/2016 |
Yes |
|
- Incorrect information on credit report
- Personal information
|
|
Web |
|
|
XXXX has an address I have not lived at listed : XXXX XXXX XXXX XXXX XXXX, FL XXXX is NOT an addressed I have oppucied. I just noticed. Thank you.
|
| 03/30/2015 |
Yes |
- Debt collection
- I do not know
|
- Communication tactics
- Frequent or repeated calls
|
|
Web |
Older American |
|
Call themselves Steller Recovery saaid call them back at XXXX. I have to unpaid debts. This is a robo call and they call once or twicw a day.
|
| 12/06/2017 |
Yes |
- Debt collection
- Other debt
|
- Took or threatened to take negative or legal action
- Threatened or suggested your credit would be damaged
|
|
Web |
|
|
It states in 2016 I opened an account and owe {$690.00}. This information is false. They have now placed this information with collections.
|
| 03/22/2016 |
Yes |
|
|
|
Web |
|
|
I need to know about this charge for {$300.00} on my credit report and need to remove it. This is effecting my security clearance with XXXX
|
| 06/05/2023 |
No |
- Credit reporting, credit repair services, or other personal consumer reports
- Other personal consumer report
|
- Problem with a company's investigation into an existing issue
- Problem with personal statement of dispute
|
|
Web |
|
|
My background check was denied for employment and that has never happened before. They couldn't explain why so I was led to this website
|
| 10/26/2016 |
Yes |
- Debt collection
- Other (i.e. phone, health club, etc.)
|
- Cont'd attempts collect debt not owed
- Debt was paid
|
|
Web |
|
|
It shows on. XXXX. That this debt was turned over to XXXX and it was payed now theres a new account open to a new collection agency
|
| 08/17/2016 |
Yes |
- Debt collection
- Other (i.e. phone, health club, etc.)
|
- Cont'd attempts collect debt not owed
- Debt is not mine
|
|
Web |
|
|
theres tons of credit cards on my account that are not me i dont know who has my information and i dont know how to go about this
|
| 10/30/2016 |
Yes |
- Debt collection
- Other (i.e. phone, health club, etc.)
|
- False statements or representation
- Attempted to collect wrong amount
|
|
Web |
|
|
I have a derogatory remark due to an uncashed refund check from XXXX.i ca n't believe that could ever effect my credit. Obsurd
|
| 11/19/2015 |
Yes |
- Debt collection
- Other (i.e. phone, health club, etc.)
|
- Cont'd attempts collect debt not owed
- Debt is not mine
|
|
Web |
|
|
I keep getting a call every other day. I do n't owe no one from this number any money. No one says anything and then hangs up.
|
| 08/02/2016 |
Yes |
- Debt collection
- I do not know
|
- Communication tactics
- Called after sent written cease of comm
|
|
Web |
|
|
STELLAR IS CALLING MY CELL PHONE NO AFTER CEASE COMMUNICATION LETTER DATED XXXX/XXXX/2016 IN VIOLATION OF TCPA AND FDCPA.
|
| 04/21/2015 |
Yes |
- Debt collection
- Other (i.e. phone, health club, etc.)
|
- Cont'd attempts collect debt not owed
- Debt is not mine
|
|
Web |
|
|
I do not owe a XXXX account. The Tv service I had for the suppose time of period was from a local tv provider, XXXX PR.
|
| 01/10/2017 |
Yes |
- Debt collection
- I do not know
|
- Cont'd attempts collect debt not owed
- Debt is not mine
|
|
Web |
|
|
I go to check my. Report on XXXX and XXXX has a debt of XXXX on my XXXX report I have n't had XXXX in years
|
| 06/24/2016 |
Yes |
- Debt collection
- Other (i.e. phone, health club, etc.)
|
- Communication tactics
- Frequent or repeated calls
|
|
Web |
|
|
I settled with the debt collector and paid them in full, I would like this off of my credit report.
|
| 07/31/2016 |
Yes |
- Debt collection
- I do not know
|
- Cont'd attempts collect debt not owed
- Debt is not mine
|
|
Web |
|
|
STELLAR RECOVERY IS REPORTING INACCURATE INFORMATION ON MY XXXX CREDIT FILE THIS IS NOT MINE
|
| 05/08/2015 |
Yes |
|
- Cont'd attempts collect debt not owed
- Debt is not mine
|
|
Web |
|
|
The debt belongs to my son and they refuse to remove it from my credit bureau information
|
| 02/26/2016 |
Yes |
- Debt collection
- I do not know
|
- Cont'd attempts collect debt not owed
- Debt is not mine
|
|
Web |
|
|
I received the debt collection letter without evidence that it belongs to myself.
|
| 07/21/2016 |
Yes |
- Debt collection
- I do not know
|
- Communication tactics
- Frequent or repeated calls
|
|
Web |
|
|
This is a third party collector to who I told to stop contacting me repeatedly.
|
| 03/10/2016 |
Yes |
- Debt collection
- Other (i.e. phone, health club, etc.)
|
- Cont'd attempts collect debt not owed
- Debt is not mine
|
|
Web |
|
|
They sending a bill i dont owe at all, they just post it on my 3 credit report
|
| 12/16/2016 |
Yes |
- Debt collection
- Other (i.e. phone, health club, etc.)
|
- Cont'd attempts collect debt not owed
- Debt is not mine
|
|
Web |
Servicemember |
|
XXXX bill that is not mine I never lived in NJ nor had a XXXX bill In my name
|
| 06/08/2015 |
Yes |
- Debt collection
- Other (i.e. phone, health club, etc.)
|
- Cont'd attempts collect debt not owed
- Debt is not mine
|
|
Web |
|
|
I just noticed this debt on my credit report and I do not have this account.
|
| 12/04/2016 |
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 |
|
|
Old Debt they re opened. This account has been closed for over XXXX years.
|
| 03/21/2016 |
Yes |
- Debt collection
- Other (i.e. phone, health club, etc.)
|
- Disclosure verification of debt
- Not given enough info to verify debt
|
|
Web |
|
|
Unknown account listed I have disputed with no outcome please assist.
|
| 12/08/2016 |
Yes |
- Debt collection
- Other (i.e. phone, health club, etc.)
|
- Cont'd attempts collect debt not owed
- Debt was paid
|
|
Web |
|
|
I have paid this debt.
If you look on XXXX it shows account closed
|
| 01/05/2018 |
Yes |
- Debt collection
- I do not know
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
I contacted XXXX XXXX XXXX on XXXX XXXX 2018. This is not my debt.
|
| 10/25/2016 |
Yes |
- Debt collection
- Other (i.e. phone, health club, etc.)
|
- Cont'd attempts collect debt not owed
- Debt was paid
|
|
Web |
|
|
The debt was paid, but its still appearing on my credit reports.
|
| 06/03/2016 |
Yes |
- Debt collection
- Other (i.e. phone, health club, etc.)
|
- Disclosure verification of debt
- Not disclosed as an attempt to collect
|
|
Web |
|
|
I do n't owe XXXX {$33.00} I do n't even have their service
|
| 12/28/2016 |
Yes |
- Debt collection
- Other (i.e. phone, health club, etc.)
|
- Cont'd attempts collect debt not owed
- Debt was paid
|
|
Web |
Servicemember |
|
I paid the debt they wo n't take of my credit report
|
| 10/04/2017 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Information belongs to someone else
|
|
Web |
|
|
Violates Hippa and CRA.
Police report # XXXX XXXX
|
| 04/18/2017 |
Yes |
- Debt collection
- Other (i.e. phone, health club, etc.)
|
- Cont'd attempts collect debt not owed
- Debt was paid
|
|
Web |
|
|
Account was paid as agreed and was never late.
|
| 05/07/2015 |
Yes |
- Debt collection
- Other (i.e. phone, health club, etc.)
|
- Cont'd attempts collect debt not owed
- Debt is not mine
|
|
Web |
|
|
XXXX account fraudulently opened in my name
|
| 04/28/2015 |
Yes |
- Debt collection
- Other (i.e. phone, health club, etc.)
|
- Cont'd attempts collect debt not owed
- Debt was paid
|
|
Web |
Servicemember |
|
Debt was paid & account closed via XXXX.
|
| 10/29/2015 |
Yes |
- Debt collection
- Other (i.e. phone, health club, etc.)
|
- Cont'd attempts collect debt not owed
- Debt resulted from identity theft
|
|
Web |
|
|
Never ever have I had XXXX in my name
|
| 03/02/2017 |
Yes |
- Debt collection
- Other (i.e. phone, health club, etc.)
|
- Cont'd attempts collect debt not owed
- Debt is not mine
|
|
Web |
|
|
I have never opened a XXXX Account.
|
| 07/08/2015 |
Yes |
- Debt collection
- I do not know
|
- Cont'd attempts collect debt not owed
- Debt is not mine
|
|
Web |
Older American |
|
is not me
|
| 04/13/2018 |
No |
- Debt collection
- Credit card debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
|
| 03/02/2018 |
No |
- Debt collection
- Other debt
|
- False statements or representation
- Indicated you were committing crime by not paying debt
|
|
Web |
|
|
|
| 01/09/2018 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt was result of identity theft
|
|
Referral |
|
|
|
| 01/07/2018 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Account information incorrect
|
|
Web |
|
|
|
| 01/06/2018 |
Yes |
- Debt collection
- Medical debt
|
- Written notification about debt
- Didn't receive notice of right to dispute
|
|
Web |
|
|
|
| 12/30/2017 |
Yes |
- Debt collection
- I do not know
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
|
| 12/26/2017 |
Yes |
- Debt collection
- I do not know
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
|
| 12/18/2017 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt was paid
|
|
Web |
|
|
|
| 12/09/2017 |
Yes |
- Debt collection
- I do not know
|
- Written notification about debt
- Didn't receive notice of right to dispute
|
|
Web |
|
|
|
| 12/08/2017 |
Yes |
- Debt collection
- Other debt
|
- Written notification about debt
- Didn't receive notice of right to dispute
|
|
Web |
Servicemember |
|
|
| 11/25/2017 |
Yes |
- Debt collection
- Other debt
|
- Written notification about debt
- Didn't receive notice of right to dispute
|
|
Web |
|
|
|
| 11/24/2017 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt was paid
|
|
Web |
|
|
|
| 11/23/2017 |
Yes |
- Debt collection
- Other debt
|
- Written notification about debt
- Didn't receive enough information to verify debt
|
|
Web |
|
|
|
| 11/22/2017 |
Yes |
- Debt collection
- I do not know
|
- Written notification about debt
- Didn't receive enough information to verify debt
|
|
Phone |
|
|
|
| 11/19/2017 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt was paid
|
|
Web |
|
|
|
| 11/13/2017 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Account status incorrect
|
|
Web |
|
|
|
| 11/11/2017 |
Yes |
- Debt collection
- Other debt
|
- Written notification about debt
- Didn't receive enough information to verify debt
|
|
Web |
|
|
|
| 11/09/2017 |
Yes |
- Debt collection
- Other debt
|
- Written notification about debt
- Didn't receive enough information to verify debt
|
|
Web |
|
|
|
| 11/09/2017 |
Yes |
- Debt collection
- Other debt
|
- Written notification about debt
- Didn't receive notice of right to dispute
|
|
Web |
|
|
|
| 11/05/2017 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Improper use of your report
- Reporting company used your report improperly
|
|
Web |
|
|
|
| 11/01/2017 |
Yes |
- Debt collection
- I do not know
|
- Written notification about debt
- Didn't receive enough information to verify debt
|
|
Web |
Servicemember |
|
|
| 10/24/2017 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Account status incorrect
|
|
Web |
Servicemember |
|
|
| 10/23/2017 |
Yes |
- Debt collection
- Other debt
|
- Communication tactics
- You told them to stop contacting you, but they keep trying
|
|
Web |
|
|
|
| 10/23/2017 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt was already discharged in bankruptcy and is no longer owed
|
|
Web |
|
|
|
| 10/21/2017 |
Yes |
- Debt collection
- Other debt
|
- Written notification about debt
- Didn't receive enough information to verify debt
|
|
Web |
|
|
|
| 10/21/2017 |
Yes |
- Debt collection
- Other debt
|
- Written notification about debt
- Didn't receive enough information to verify debt
|
|
Web |
|
|
|
| 10/18/2017 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
|
| 10/13/2017 |
Yes |
- Debt collection
- Other debt
|
- Written notification about debt
- Didn't receive enough information to verify debt
|
|
Web |
Older American, Servicemember |
|
|
| 09/29/2017 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Credit monitoring or identity theft protection services
- Billing dispute for services
|
|
Web |
Servicemember |
|
|
| 09/28/2017 |
Yes |
- Debt collection
- Other debt
|
- Communication tactics
- You told them to stop contacting you, but they keep trying
|
|
Web |
|
|
|
| 09/28/2017 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
|
| 09/27/2017 |
Yes |
- Debt collection
- Other debt
|
- Written notification about debt
- Didn't receive notice of right to dispute
|
|
Web |
|
|
|
| 09/26/2017 |
Yes |
- Debt collection
- Other debt
|
- Written notification about debt
- Didn't receive enough information to verify debt
|
|
Web |
|
|
|
| 09/21/2017 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Information belongs to someone else
|
|
Web |
|
|
|
| 09/19/2017 |
Yes |
- Debt collection
- Other debt
|
- Written notification about debt
- Didn't receive enough information to verify debt
|
|
Web |
|
|
|
| 09/17/2017 |
Yes |
- Debt collection
- Other debt
|
- Written notification about debt
- Didn't receive notice of right to dispute
|
|
Web |
|
|
|
| 09/13/2017 |
Yes |
- Debt collection
- Other debt
|
- Took or threatened to take negative or legal action
- Threatened or suggested your credit would be damaged
|
|
Web |
|
|
|
| 09/08/2017 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
|
| 09/08/2017 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt was paid
|
|
Phone |
|
|
|
| 09/07/2017 |
Yes |
- Debt collection
- Other debt
|
- Written notification about debt
- Didn't receive notice of right to dispute
|
|
Web |
Servicemember |
|
|
| 08/29/2017 |
Yes |
- Debt collection
- Other debt
|
- Communication tactics
- Frequent or repeated calls
|
|
Web |
|
|
|
| 08/24/2017 |
Yes |
- Debt collection
- I do not know
|
- Written notification about debt
- Didn't receive enough information to verify debt
|
|
Web |
|
|
|
| 08/21/2017 |
Yes |
- Debt collection
- Other debt
|
- Communication tactics
- You told them to stop contacting you, but they keep trying
|
|
Web |
|
|
|
| 08/16/2017 |
Yes |
- Debt collection
- Other debt
|
- Communication tactics
- You told them to stop contacting you, but they keep trying
|
|
Web |
|
|
|
| 08/15/2017 |
Yes |
- Debt collection
- Other debt
|
- Written notification about debt
- Didn't receive enough information to verify debt
|
|
Web |
|
|
|
| 08/14/2017 |
Yes |
- Debt collection
- Other debt
|
- Written notification about debt
- Didn't receive enough information to verify debt
|
|
Web |
|
|
|
| 08/10/2017 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
|
| 08/09/2017 |
Yes |
- Debt collection
- Other debt
|
- Written notification about debt
- Didn't receive enough information to verify debt
|
|
Web |
|
|
|
| 08/03/2017 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt was paid
|
|
Web |
|
|
|
| 08/02/2017 |
Yes |
- Debt collection
- Other debt
|
- Written notification about debt
- Didn't receive enough information to verify debt
|
|
Phone |
|
|
|
| 08/01/2017 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt was paid
|
|
Web |
|
|
|
| 07/30/2017 |
Yes |
- Debt collection
- Other debt
|
- False statements or representation
- Attempted to collect wrong amount
|
|
Web |
|
|
|
| 07/28/2017 |
Yes |
- Debt collection
- I do not know
|
- Written notification about debt
- Didn't receive enough information to verify debt
|
|
Phone |
|
|
|
| 07/26/2017 |
Yes |
- Debt collection
- I do not know
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
Older American |
|
|
| 07/25/2017 |
Yes |
- Debt collection
- Other debt
|
- Written notification about debt
- Didn't receive notice of right to dispute
|
|
Web |
|
|
|
| 07/21/2017 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt was result of identity theft
|
|
Web |
|
|
|
| 07/21/2017 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Information belongs to someone else
|
|
Web |
|
|
|
| 07/21/2017 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt was already discharged in bankruptcy and is no longer owed
|
|
Web |
|
|
|
| 07/14/2017 |
Yes |
- Debt collection
- Other debt
|
- Communication tactics
- You told them to stop contacting you, but they keep trying
|
|
Web |
|
|
|
| 07/14/2017 |
Yes |
- Debt collection
- I do not know
|
- Written notification about debt
- Didn't receive notice of right to dispute
|
|
Web |
Servicemember |
|
|
| 07/13/2017 |
Yes |
- Debt collection
- Other debt
|
- Written notification about debt
- Didn't receive enough information to verify debt
|
|
Web |
|
|
|
| 07/12/2017 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt was paid
|
|
Web |
|
|
|
| 07/12/2017 |
Yes |
- Debt collection
- I do not know
|
- Attempts to collect debt not owed
- Debt was paid
|
|
Web |
|
|
|
| 07/11/2017 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt was result of identity theft
|
|
Web |
|
|
|
| 07/10/2017 |
Yes |
- Debt collection
- Other debt
|
- Communication tactics
- You told them to stop contacting you, but they keep trying
|
|
Web |
|
|
|
| 07/09/2017 |
Yes |
- Debt collection
- Other debt
|
- Written notification about debt
- Didn't receive notice of right to dispute
|
|
Web |
|
|
|
| 07/08/2017 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
|
| 07/04/2017 |
Yes |
- Debt collection
- I do not know
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
|
| 07/01/2017 |
Yes |
- Debt collection
- I do not know
|
- False statements or representation
- Attempted to collect wrong amount
|
|
Web |
|
|
|
| 06/28/2017 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Account status incorrect
|
|
Web |
|
|
|
| 06/27/2017 |
Yes |
- Debt collection
- I do not know
|
- Attempts to collect debt not owed
- Debt was paid
|
|
Web |
|
|
|
| 06/21/2017 |
Yes |
- Debt collection
- I do not know
|
- Written notification about debt
- Didn't receive notice of right to dispute
|
|
Web |
|
|
|
| 06/21/2017 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt was paid
|
|
Web |
|
|
|
| 06/19/2017 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt was paid
|
|
Web |
|
|
|
| 06/15/2017 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt was paid
|
|
Web |
|
|
|
| 06/13/2017 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt was already discharged in bankruptcy and is no longer owed
|
|
Web |
|
|
|
| 06/12/2017 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Information belongs to someone else
|
|
Web |
|
|
|
| 06/11/2017 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt was paid
|
|
Web |
|
|
|
| 06/06/2017 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt was paid
|
|
Web |
|
|
|
| 06/06/2017 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt was paid
|
|
Web |
|
|
|
| 05/30/2017 |
Yes |
- Debt collection
- Other debt
|
- Communication tactics
- Frequent or repeated calls
|
|
Web |
|
|
|
| 05/25/2017 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
|
| 05/25/2017 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt was paid
|
|
Web |
|
|
|
| 05/25/2017 |
Yes |
- Debt collection
- Other debt
|
- Communication tactics
- Frequent or repeated calls
|
|
Web |
|
|
|
| 05/25/2017 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
|
| 05/24/2017 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt was paid
|
|
Web |
|
|
|
| 05/24/2017 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt was paid
|
|
Web |
|
|
|
| 05/13/2017 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt was paid
|
|
Web |
|
|
|
| 05/10/2017 |
Yes |
- Debt collection
- I do not know
|
- Written notification about debt
- Didn't receive enough information to verify debt
|
|
Referral |
|
|
|
| 05/04/2017 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt was paid
|
|
Web |
|
|
|
| 05/01/2017 |
Yes |
- Debt collection
- Other debt
|
- Written notification about debt
- Didn't receive enough information to verify debt
|
|
Web |
Servicemember |
|
|
| 05/01/2017 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt was paid
|
|
Web |
|
|
|
| 05/01/2017 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
|
| 04/28/2017 |
No |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Account status incorrect
|
|
Web |
|
|
|
| 04/28/2017 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
Older American |
|
|
| 04/27/2017 |
Yes |
- Debt collection
- Other debt
|
- False statements or representation
- Attempted to collect wrong amount
|
|
Web |
|
|
|
| 04/27/2017 |
Yes |
- Debt collection
- Other debt
|
- Written notification about debt
- Didn't receive enough information to verify debt
|
|
Web |
|
|
|
| 04/24/2017 |
Yes |
- Debt collection
- Other debt
|
- Written notification about debt
- Didn't receive enough information to verify debt
|
|
Web |
|
|
|
| 04/24/2017 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt was paid
|
|
Phone |
|
|
|
| 04/21/2017 |
Yes |
- Debt collection
- Other (i.e. phone, health club, etc.)
|
- Communication tactics
- Frequent or repeated calls
|
|
Web |
|
|
|
| 04/20/2017 |
Yes |
- Debt collection
- Other (i.e. phone, health club, etc.)
|
- Cont'd attempts collect debt not owed
- Debt is not mine
|
|
Web |
|
|
|
| 04/19/2017 |
Yes |
- Debt collection
- Credit card
|
- Disclosure verification of debt
- Not given enough info to verify debt
|
|
Web |
|
|
|
| 04/13/2017 |
Yes |
- Debt collection
- Other (i.e. phone, health club, etc.)
|
- Cont'd attempts collect debt not owed
- Debt is not mine
|
|
Web |
|
|
|
| 04/13/2017 |
Yes |
- Debt collection
- Other (i.e. phone, health club, etc.)
|
- Cont'd attempts collect debt not owed
- Debt resulted from identity theft
|
|
Web |
|
|
|
| 04/12/2017 |
Yes |
- Debt collection
- Other (i.e. phone, health club, etc.)
|
- Cont'd attempts collect debt not owed
- Debt is not mine
|
|
Web |
Servicemember |
|
|
| 04/05/2017 |
Yes |
- Debt collection
- Other (i.e. phone, health club, etc.)
|
- Disclosure verification of debt
- Not given enough info to verify debt
|
|
Web |
|
|
|
| 04/04/2017 |
Yes |
- Debt collection
- Other (i.e. phone, health club, etc.)
|
- Disclosure verification of debt
- Not given enough info to verify debt
|
|
Web |
|
|
|
| 04/01/2017 |
Yes |
- Debt collection
- Other (i.e. phone, health club, etc.)
|
- False statements or representation
- Attempted to collect wrong amount
|
|
Web |
|
|
|
| 03/30/2017 |
Yes |
- Debt collection
- Other (i.e. phone, health club, etc.)
|
- Cont'd attempts collect debt not owed
- Debt is not mine
|
|
Fax |
|
|
|
| 03/27/2017 |
Yes |
- Debt collection
- Other (i.e. phone, health club, etc.)
|
- Disclosure verification of debt
- Not given enough info to verify debt
|
|
Web |
|
|
|
| 03/24/2017 |
Yes |
- Debt collection
- Other (i.e. phone, health club, etc.)
|
- Disclosure verification of debt
- Not given enough info to verify debt
|
|
Referral |
|
|
|
| 03/22/2017 |
Yes |
- Debt collection
- Other (i.e. phone, health club, etc.)
|
- Cont'd attempts collect debt not owed
- Debt resulted from identity theft
|
|
Referral |
|
|
|
| 03/18/2017 |
Yes |
- Debt collection
- Other (i.e. phone, health club, etc.)
|
- Cont'd attempts collect debt not owed
- Debt is not mine
|
|
Web |
|
|
|
| 03/17/2017 |
Yes |
- Debt collection
- Other (i.e. phone, health club, etc.)
|
- Disclosure verification of debt
- Not given enough info to verify debt
|
|
Web |
|
|
|
| 03/16/2017 |
Yes |
- Debt collection
- Other (i.e. phone, health club, etc.)
|
- Improper contact or sharing of info
- Contacted me after I asked not to
|
|
Web |
|
|
|
| 03/15/2017 |
Yes |
- Debt collection
- Other (i.e. phone, health club, etc.)
|
- Disclosure verification of debt
- Not given enough info to verify debt
|
|
Web |
|
|
|
| 03/14/2017 |
Yes |
- Debt collection
- Other (i.e. phone, health club, etc.)
|
- Cont'd attempts collect debt not owed
- Debt was paid
|
|
Web |
Servicemember |
|
|
| 03/14/2017 |
Yes |
- Debt collection
- Other (i.e. phone, health club, etc.)
|
- Cont'd attempts collect debt not owed
- Debt was paid
|
|
Web |
|
|
|
| 03/07/2017 |
Yes |
- Debt collection
- I do not know
|
- Disclosure verification of debt
- Not given enough info to verify debt
|
|
Web |
|
|
|
| 03/04/2017 |
Yes |
- Debt collection
- Other (i.e. phone, health club, etc.)
|
- Cont'd attempts collect debt not owed
- Debt was paid
|
|
Web |
|
|
|
| 03/03/2017 |
Yes |
- Debt collection
- Other (i.e. phone, health club, etc.)
|
- Disclosure verification of debt
- Right to dispute notice not received
|
|
Web |
|
|
|
| 03/03/2017 |
Yes |
- Debt collection
- Other (i.e. phone, health club, etc.)
|
- Cont'd attempts collect debt not owed
- Debt was paid
|
|
Web |
|
|
|
| 03/02/2017 |
Yes |
- Debt collection
- Other (i.e. phone, health club, etc.)
|
- Disclosure verification of debt
- Not given enough info to verify debt
|
|
Web |
|
|
|
| 02/28/2017 |
Yes |
- Debt collection
- I do not know
|
- Cont'd attempts collect debt not owed
- Debt is not mine
|
|
Web |
|
|
|
| 02/28/2017 |
Yes |
- Debt collection
- Other (i.e. phone, health club, etc.)
|
- Cont'd attempts collect debt not owed
- Debt is not mine
|
|
Phone |
|
|
|
| 02/28/2017 |
Yes |
- Debt collection
- Other (i.e. phone, health club, etc.)
|
- Disclosure verification of debt
- Not given enough info to verify debt
|
|
Referral |
|
|
|
| 02/28/2017 |
Yes |
- Debt collection
- Other (i.e. phone, health club, etc.)
|
- Disclosure verification of debt
- Not given enough info to verify debt
|
|
Referral |
|
|
|
| 02/27/2017 |
Yes |
- Debt collection
- Other (i.e. phone, health club, etc.)
|
- Cont'd attempts collect debt not owed
- Debt is not mine
|
|
Web |
|
|
|
| 02/23/2017 |
Yes |
- Debt collection
- Other (i.e. phone, health club, etc.)
|
- Disclosure verification of debt
- Not given enough info to verify debt
|
|
Postal mail |
|
|
|
| 02/17/2017 |
Yes |
|
- Incorrect information on credit report
- Reinserted previously deleted info
|
|
Web |
|
|
|
| 02/15/2017 |
Yes |
- Debt collection
- I do not know
|
- Disclosure verification of debt
- Not given enough info to verify debt
|
|
Web |
|
|
|
| 02/13/2017 |
Yes |
- Debt collection
- Other (i.e. phone, health club, etc.)
|
- Disclosure verification of debt
- Not given enough info to verify debt
|
|
Postal mail |
|
|
|
| 02/10/2017 |
Yes |
- Debt collection
- Other (i.e. phone, health club, etc.)
|
- Disclosure verification of debt
- Not disclosed as an attempt to collect
|
|
Web |
|
|
|
| 02/10/2017 |
Yes |
- Debt collection
- Other (i.e. phone, health club, etc.)
|
- Cont'd attempts collect debt not owed
- Debt was paid
|
|
Web |
Older American |
|
|
| 02/08/2017 |
Yes |
|
- Incorrect information on credit report
- Information is not mine
|
|
Web |
|
|
|
| 02/08/2017 |
Yes |
- Debt collection
- Other (i.e. phone, health club, etc.)
|
- Cont'd attempts collect debt not owed
- Debt resulted from identity theft
|
|
Web |
|
|
|
| 02/08/2017 |
Yes |
- Debt collection
- I do not know
|
- Disclosure verification of debt
- Not given enough info to verify debt
|
|
Web |
|
|
|
| 02/07/2017 |
Yes |
- Debt collection
- Other (i.e. phone, health club, etc.)
|
- Cont'd attempts collect debt not owed
- Debt was paid
|
|
Phone |
|
|
|
| 02/05/2017 |
Yes |
- Debt collection
- Other (i.e. phone, health club, etc.)
|
- Disclosure verification of debt
- Not given enough info to verify debt
|
|
Web |
|
|
|
| 02/04/2017 |
Yes |
- Debt collection
- Other (i.e. phone, health club, etc.)
|
- Cont'd attempts collect debt not owed
- Debt is not mine
|
|
Web |
|
|
|
| 02/03/2017 |
Yes |
- Debt collection
- Other (i.e. phone, health club, etc.)
|
- Cont'd attempts collect debt not owed
- Debt is not mine
|
|
Web |
|
|
|
| 02/03/2017 |
Yes |
- Debt collection
- Other (i.e. phone, health club, etc.)
|
- Cont'd attempts collect debt not owed
- Debt is not mine
|
|
Web |
|
|
|
| 02/03/2017 |
Yes |
- Debt collection
- Other (i.e. phone, health club, etc.)
|
- Cont'd attempts collect debt not owed
- Debt is not mine
|
|
Web |
|
|
|
| 02/02/2017 |
Yes |
- Debt collection
- Other (i.e. phone, health club, etc.)
|
- Disclosure verification of debt
- Not given enough info to verify debt
|
|
Web |
|
|
|
| 02/01/2017 |
Yes |
- Debt collection
- I do not know
|
- Disclosure verification of debt
- Not given enough info to verify debt
|
|
Postal mail |
|
|
|
| 01/31/2017 |
Yes |
- Debt collection
- I do not know
|
- Cont'd attempts collect debt not owed
- Debt was paid
|
|
Web |
Older American |
|
|
| 01/28/2017 |
Yes |
- Debt collection
- Other (i.e. phone, health club, etc.)
|
- Cont'd attempts collect debt not owed
- Debt resulted from identity theft
|
|
Web |
|
|
|
| 01/26/2017 |
Yes |
- Debt collection
- Other (i.e. phone, health club, etc.)
|
- Cont'd attempts collect debt not owed
- Debt resulted from identity theft
|
|
Postal mail |
|
|
|
| 01/25/2017 |
Yes |
- Debt collection
- Other (i.e. phone, health club, etc.)
|
- Cont'd attempts collect debt not owed
- Debt is not mine
|
|
Web |
|
|
|
| 01/25/2017 |
Yes |
- Debt collection
- Other (i.e. phone, health club, etc.)
|
- Disclosure verification of debt
- Right to dispute notice not received
|
|
Web |
|
|
|
| 01/25/2017 |
Yes |
- Debt collection
- Other (i.e. phone, health club, etc.)
|
- Disclosure verification of debt
- Not given enough info to verify debt
|
|
Web |
|
|
|
| 01/24/2017 |
Yes |
- Debt collection
- I do not know
|
- Cont'd attempts collect debt not owed
- Debt is not mine
|
|
Web |
|
|
|
| 01/24/2017 |
Yes |
- Debt collection
- Other (i.e. phone, health club, etc.)
|
- Disclosure verification of debt
- Not given enough info to verify debt
|
|
Web |
|
|
|
| 01/24/2017 |
Yes |
- Debt collection
- I do not know
|
- Cont'd attempts collect debt not owed
- Debt is not mine
|
|
Web |
|
|
|
| 01/20/2017 |
Yes |
- Debt collection
- Other (i.e. phone, health club, etc.)
|
- Cont'd attempts collect debt not owed
- Debt is not mine
|
|
Referral |
|
|
|
| 01/20/2017 |
Yes |
- Debt collection
- Other (i.e. phone, health club, etc.)
|
- Disclosure verification of debt
- Not given enough info to verify debt
|
|
Referral |
|
|
|
| 01/18/2017 |
Yes |
- Debt collection
- Other (i.e. phone, health club, etc.)
|
- Cont'd attempts collect debt not owed
- Debt is not mine
|
|
Web |
|
|
|
| 01/15/2017 |
Yes |
- Debt collection
- Other (i.e. phone, health club, etc.)
|
- Cont'd attempts collect debt not owed
- Debt is not mine
|
|
Web |
|
|
|
| 01/12/2017 |
Yes |
- Debt collection
- I do not know
|
- Improper contact or sharing of info
- Talked to a third party about my debt
|
|
Web |
|
|
|
| 01/11/2017 |
Yes |
- Debt collection
- Other (i.e. phone, health club, etc.)
|
- Cont'd attempts collect debt not owed
- Debt resulted from identity theft
|
|
Web |
|
|
|
| 01/09/2017 |
Yes |
- Debt collection
- I do not know
|
- Disclosure verification of debt
- Right to dispute notice not received
|
|
Phone |
|
|
|
| 01/07/2017 |
Yes |
|
- Disclosure verification of debt
- Not given enough info to verify debt
|
|
Web |
|
|
|
| 01/07/2017 |
Yes |
- Debt collection
- Other (i.e. phone, health club, etc.)
|
- Cont'd attempts collect debt not owed
- Debt is not mine
|
|
Web |
|
|
|
| 01/06/2017 |
Yes |
- Debt collection
- Other (i.e. phone, health club, etc.)
|
- Cont'd attempts collect debt not owed
- Debt is not mine
|
|
Web |
|
|
|
| 01/05/2017 |
Yes |
- Debt collection
- Other (i.e. phone, health club, etc.)
|
- False statements or representation
- Attempted to collect wrong amount
|
|
Web |
|
|
|
| 01/05/2017 |
Yes |
- Debt collection
- I do not know
|
- Cont'd attempts collect debt not owed
- Debt is not mine
|
|
Web |
|
|
|
| 01/05/2017 |
Yes |
- Debt collection
- Other (i.e. phone, health club, etc.)
|
- Disclosure verification of debt
- Right to dispute notice not received
|
|
Web |
|
|
|
| 01/04/2017 |
Yes |
- Debt collection
- Other (i.e. phone, health club, etc.)
|
- Disclosure verification of debt
- Not given enough info to verify debt
|
|
Web |
|
|
|
| 01/04/2017 |
Yes |
- Debt collection
- Other (i.e. phone, health club, etc.)
|
- Disclosure verification of debt
- Not given enough info to verify debt
|
|
Web |
|
|
|
| 12/29/2016 |
Yes |
- Debt collection
- Other (i.e. phone, health club, etc.)
|
- Cont'd attempts collect debt not owed
- Debt is not mine
|
|
Postal mail |
|
|
|
| 12/27/2016 |
Yes |
- Debt collection
- Other (i.e. phone, health club, etc.)
|
- Cont'd attempts collect debt not owed
- Debt was paid
|
|
Phone |
|
|
|
| 12/21/2016 |
Yes |
- Debt collection
- I do not know
|
- Disclosure verification of debt
- Not given enough info to verify debt
|
|
Web |
|
|
|
| 12/20/2016 |
Yes |
- Debt collection
- Other (i.e. phone, health club, etc.)
|
- Cont'd attempts collect debt not owed
- Debt is not mine
|
|
Web |
|
|
|
| 12/15/2016 |
Yes |
- Debt collection
- Other (i.e. phone, health club, etc.)
|
- Disclosure verification of debt
- Not given enough info to verify debt
|
|
Postal mail |
|
|
|
| 12/14/2016 |
Yes |
- Debt collection
- Other (i.e. phone, health club, etc.)
|
- Disclosure verification of debt
- Not given enough info to verify debt
|
|
Web |
|
|
|
| 12/05/2016 |
Yes |
- Debt collection
- Other (i.e. phone, health club, etc.)
|
- Cont'd attempts collect debt not owed
- Debt resulted from identity theft
|
|
Web |
|
|
|
| 12/05/2016 |
Yes |
- Debt collection
- Other (i.e. phone, health club, etc.)
|
- Disclosure verification of debt
- Not given enough info to verify debt
|
|
Web |
|
|
|
| 12/02/2016 |
Yes |
- Debt collection
- Other (i.e. phone, health club, etc.)
|
- Cont'd attempts collect debt not owed
- Debt was paid
|
|
Phone |
|
|
|
| 11/25/2016 |
Yes |
- Debt collection
- Other (i.e. phone, health club, etc.)
|
- Disclosure verification of debt
- Not given enough info to verify debt
|
|
Web |
|
|
|
| 11/24/2016 |
Yes |
- Debt collection
- Other (i.e. phone, health club, etc.)
|
- Cont'd attempts collect debt not owed
- Debt is not mine
|
|
Web |
|
|
|
| 11/21/2016 |
Yes |
- Debt collection
- Other (i.e. phone, health club, etc.)
|
- Cont'd attempts collect debt not owed
- Debt is not mine
|
|
Web |
Servicemember |
|
|
| 11/21/2016 |
Yes |
- Debt collection
- Other (i.e. phone, health club, etc.)
|
- False statements or representation
- Attempted to collect wrong amount
|
|
Phone |
|
|
|
| 11/14/2016 |
Yes |
- Debt collection
- Other (i.e. phone, health club, etc.)
|
- Disclosure verification of debt
- Not given enough info to verify debt
|
|
Web |
|
|
|
| 11/13/2016 |
Yes |
- Debt collection
- Other (i.e. phone, health club, etc.)
|
- Cont'd attempts collect debt not owed
- Debt is not mine
|
|
Web |
|
|
|
| 11/10/2016 |
Yes |
- Debt collection
- I do not know
|
- Cont'd attempts collect debt not owed
- Debt is not mine
|
|
Web |
|
|
|
| 11/10/2016 |
Yes |
- Debt collection
- Other (i.e. phone, health club, etc.)
|
- Cont'd attempts collect debt not owed
- Debt is not mine
|
|
Web |
|
|
|
| 11/09/2016 |
Yes |
- Debt collection
- I do not know
|
- Disclosure verification of debt
- Not disclosed as an attempt to collect
|
|
Web |
|
|
|
| 11/01/2016 |
Yes |
- Debt collection
- Other (i.e. phone, health club, etc.)
|
- Cont'd attempts collect debt not owed
- Debt is not mine
|
|
Web |
|
|
|
| 10/31/2016 |
Yes |
- Debt collection
- Other (i.e. phone, health club, etc.)
|
- Cont'd attempts collect debt not owed
- Debt was paid
|
|
Referral |
|
|
|
| 10/30/2016 |
Yes |
- Debt collection
- Other (i.e. phone, health club, etc.)
|
- Cont'd attempts collect debt not owed
- Debt is not mine
|
|
Web |
|
|
|
| 10/30/2016 |
Yes |
- Debt collection
- Other (i.e. phone, health club, etc.)
|
- Disclosure verification of debt
- Not given enough info to verify debt
|
|
Web |
|
|
|
| 10/29/2016 |
Yes |
- Debt collection
- Other (i.e. phone, health club, etc.)
|
- Cont'd attempts collect debt not owed
- Debt is not mine
|
|
Web |
Servicemember |
|
|
| 10/28/2016 |
Yes |
- Debt collection
- Other (i.e. phone, health club, etc.)
|
- Cont'd attempts collect debt not owed
- Debt is not mine
|
|
Referral |
|
|
|
| 10/25/2016 |
Yes |
- Debt collection
- Other (i.e. phone, health club, etc.)
|
- Cont'd attempts collect debt not owed
- Debt resulted from identity theft
|
|
Fax |
Older American |
|
|
| 10/24/2016 |
Yes |
- Debt collection
- Other (i.e. phone, health club, etc.)
|
- Cont'd attempts collect debt not owed
- Debt was paid
|
|
Web |
|
|
|
| 10/20/2016 |
Yes |
- Debt collection
- Other (i.e. phone, health club, etc.)
|
- Cont'd attempts collect debt not owed
- Debt is not mine
|
|
Web |
|
|
|
| 10/19/2016 |
Yes |
- Debt collection
- Other (i.e. phone, health club, etc.)
|
- Cont'd attempts collect debt not owed
- Debt was paid
|
|
Web |
|
|
|
| 10/14/2016 |
Yes |
- Debt collection
- Other (i.e. phone, health club, etc.)
|
- False statements or representation
- Attempted to collect wrong amount
|
|
Web |
|
|
|
| 10/13/2016 |
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 |
|
|
|
| 10/11/2016 |
Yes |
- Debt collection
- Other (i.e. phone, health club, etc.)
|
- Disclosure verification of debt
- Not given enough info to verify debt
|
|
Phone |
Servicemember |
|
|
| 10/11/2016 |
Yes |
- Debt collection
- Other (i.e. phone, health club, etc.)
|
- Disclosure verification of debt
- Not given enough info to verify debt
|
|
Postal mail |
|
|
|
| 10/11/2016 |
Yes |
- Debt collection
- Other (i.e. phone, health club, etc.)
|
- Cont'd attempts collect debt not owed
- Debt is not mine
|
|
Phone |
|
|
|
| 10/08/2016 |
Yes |
- Debt collection
- Other (i.e. phone, health club, etc.)
|
- Cont'd attempts collect debt not owed
- Debt is not mine
|
|
Web |
|
|
|
| 10/06/2016 |
Yes |
- Debt collection
- Other (i.e. phone, health club, etc.)
|
- Cont'd attempts collect debt not owed
- Debt is not mine
|
|
Phone |
|
|
|
| 10/06/2016 |
Yes |
- Debt collection
- Other (i.e. phone, health club, etc.)
|
- Cont'd attempts collect debt not owed
- Debt is not mine
|
|
Web |
|
|
|
| 10/05/2016 |
Yes |
- Debt collection
- I do not know
|
- Disclosure verification of debt
- Not given enough info to verify debt
|
|
Postal mail |
|
|
|
| 10/05/2016 |
Yes |
- Debt collection
- Other (i.e. phone, health club, etc.)
|
- Cont'd attempts collect debt not owed
- Debt is not mine
|
|
Web |
|
|
|
| 10/02/2016 |
Yes |
- Debt collection
- Other (i.e. phone, health club, etc.)
|
- Cont'd attempts collect debt not owed
- Debt is not mine
|
|
Web |
|
|
|
| 09/30/2016 |
Yes |
- Debt collection
- I do not know
|
- Cont'd attempts collect debt not owed
- Debt is not mine
|
|
Web |
|
|
|
| 09/20/2016 |
Yes |
- Debt collection
- Other (i.e. phone, health club, etc.)
|
- Cont'd attempts collect debt not owed
- Debt is not mine
|
|
Phone |
|
|
|
| 09/14/2016 |
Yes |
- Debt collection
- Other (i.e. phone, health club, etc.)
|
- Cont'd attempts collect debt not owed
- Debt is not mine
|
|
Phone |
|
|
|
| 09/14/2016 |
Yes |
- Debt collection
- Other (i.e. phone, health club, etc.)
|
- Cont'd attempts collect debt not owed
- Debt resulted from identity theft
|
|
Web |
|
|
|
| 09/13/2016 |
Yes |
- Debt collection
- Other (i.e. phone, health club, etc.)
|
- Cont'd attempts collect debt not owed
- Debt is not mine
|
|
Web |
|
|
|
| 09/13/2016 |
Yes |
- Debt collection
- Other (i.e. phone, health club, etc.)
|
- Cont'd attempts collect debt not owed
- Debt is not mine
|
|
Web |
|
|
|
| 09/12/2016 |
Yes |
- Debt collection
- I do not know
|
- Cont'd attempts collect debt not owed
- Debt is not mine
|
|
Web |
Older American |
|
|
| 09/09/2016 |
Yes |
- Debt collection
- Other (i.e. phone, health club, etc.)
|
- Disclosure verification of debt
- Not disclosed as an attempt to collect
|
|
Web |
|
|
|
| 09/08/2016 |
Yes |
- Debt collection
- Other (i.e. phone, health club, etc.)
|
- False statements or representation
- Attempted to collect wrong amount
|
|
Web |
|
|
|
| 09/07/2016 |
Yes |
- Debt collection
- I do not know
|
- Communication tactics
- Frequent or repeated calls
|
|
Web |
|
|
|
| 09/06/2016 |
Yes |
- Debt collection
- Other (i.e. phone, health club, etc.)
|
- Disclosure verification of debt
- Not given enough info to verify debt
|
|
Postal mail |
|
|
|
| 08/31/2016 |
Yes |
- Debt collection
- Other (i.e. phone, health club, etc.)
|
- Cont'd attempts collect debt not owed
- Debt was paid
|
|
Web |
|
|
|
| 08/29/2016 |
Yes |
- Debt collection
- Other (i.e. phone, health club, etc.)
|
- Cont'd attempts collect debt not owed
- Debt is not mine
|
|
Web |
|
|
|
| 08/25/2016 |
Yes |
- Debt collection
- Other (i.e. phone, health club, etc.)
|
- Cont'd attempts collect debt not owed
- Debt resulted from identity theft
|
|
Web |
|
|
|
| 08/23/2016 |
Yes |
- Debt collection
- I do not know
|
- Disclosure verification of debt
- Right to dispute notice not received
|
|
Web |
|
|
|
| 08/23/2016 |
Yes |
- Debt collection
- Other (i.e. phone, health club, etc.)
|
- Cont'd attempts collect debt not owed
- Debt resulted from identity theft
|
|
Web |
|
|
|
| 08/22/2016 |
Yes |
- Debt collection
- Other (i.e. phone, health club, etc.)
|
- Cont'd attempts collect debt not owed
- Debt is not mine
|
|
Web |
|
|
|
| 08/18/2016 |
Yes |
- Debt collection
- Other (i.e. phone, health club, etc.)
|
- Cont'd attempts collect debt not owed
- Debt is not mine
|
|
Web |
Older American |
|
|
| 08/17/2016 |
Yes |
- Debt collection
- I do not know
|
- Disclosure verification of debt
- Not given enough info to verify debt
|
|
Web |
|
|
|
| 08/16/2016 |
Yes |
- Debt collection
- Other (i.e. phone, health club, etc.)
|
- Disclosure verification of debt
- Not given enough info to verify debt
|
|
Referral |
|
|
|
| 08/15/2016 |
Yes |
- Debt collection
- Other (i.e. phone, health club, etc.)
|
- Cont'd attempts collect debt not owed
- Debt is not mine
|
|
Postal mail |
Older American |
|
|
| 08/13/2016 |
Yes |
- Debt collection
- Other (i.e. phone, health club, etc.)
|
- Disclosure verification of debt
- Not given enough info to verify debt
|
|
Web |
Servicemember |
|
|
| 08/06/2016 |
Yes |
- Debt collection
- I do not know
|
- False statements or representation
- Attempted to collect wrong amount
|
|
Web |
|
|
|
| 07/28/2016 |
Yes |
- Debt collection
- Other (i.e. phone, health club, etc.)
|
- False statements or representation
- Attempted to collect wrong amount
|
|
Web |
|
|
|
| 07/26/2016 |
Yes |
- Debt collection
- Other (i.e. phone, health club, etc.)
|
- Cont'd attempts collect debt not owed
- Debt was paid
|
|
Web |
|
|
|
| 07/22/2016 |
Yes |
- Debt collection
- Other (i.e. phone, health club, etc.)
|
- Disclosure verification of debt
- Not given enough info to verify debt
|
|
Referral |
|
|
|
| 07/21/2016 |
Yes |
- Debt collection
- Other (i.e. phone, health club, etc.)
|
- Disclosure verification of debt
- Not given enough info to verify debt
|
|
Referral |
|
|
|
| 07/20/2016 |
Yes |
- Debt collection
- Other (i.e. phone, health club, etc.)
|
- Cont'd attempts collect debt not owed
- Debt was paid
|
|
Web |
|
|
|
| 07/19/2016 |
Yes |
- Debt collection
- Other (i.e. phone, health club, etc.)
|
- Cont'd attempts collect debt not owed
- Debt is not mine
|
|
Web |
|
|
|
| 07/17/2016 |
Yes |
- Debt collection
- Other (i.e. phone, health club, etc.)
|
- Disclosure verification of debt
- Not given enough info to verify debt
|
|
Web |
|
|
|
| 07/16/2016 |
Yes |
- Debt collection
- Other (i.e. phone, health club, etc.)
|
- Cont'd attempts collect debt not owed
- Debt was paid
|
|
Web |
|
|
|
| 07/14/2016 |
Yes |
- Debt collection
- I do not know
|
- Disclosure verification of debt
- Not given enough info to verify debt
|
|
Postal mail |
|
|
|
| 07/13/2016 |
Yes |
- Debt collection
- Other (i.e. phone, health club, etc.)
|
- False statements or representation
- Attempted to collect wrong amount
|
|
Web |
|
|
|
| 07/12/2016 |
Yes |
- Debt collection
- Other (i.e. phone, health club, etc.)
|
- Cont'd attempts collect debt not owed
- Debt is not mine
|
|
Web |
|
|
|
| 07/12/2016 |
Yes |
- Debt collection
- I do not know
|
- Disclosure verification of debt
- Not given enough info to verify debt
|
|
Web |
|
|
|
| 07/11/2016 |
Yes |
- Debt collection
- Other (i.e. phone, health club, etc.)
|
- Disclosure verification of debt
- Right to dispute notice not received
|
|
Web |
|
|
|
| 07/04/2016 |
Yes |
- Debt collection
- I do not know
|
- Cont'd attempts collect debt not owed
- Debt is not mine
|
|
Web |
|
|
|
| 07/01/2016 |
Yes |
- Debt collection
- I do not know
|
- Disclosure verification of debt
- Not given enough info to verify debt
|
|
Web |
|
|
|
| 06/30/2016 |
Yes |
- Debt collection
- Other (i.e. phone, health club, etc.)
|
- Cont'd attempts collect debt not owed
- Debt was paid
|
|
Web |
|
|
|
| 06/29/2016 |
Yes |
- Debt collection
- Other (i.e. phone, health club, etc.)
|
- Cont'd attempts collect debt not owed
- Debt was paid
|
|
Web |
|
|
|
| 06/28/2016 |
Yes |
- Debt collection
- I do not know
|
- Cont'd attempts collect debt not owed
- Debt is not mine
|
|
Web |
|
|
|
| 06/20/2016 |
Yes |
- Debt collection
- Other (i.e. phone, health club, etc.)
|
- Disclosure verification of debt
- Not given enough info to verify debt
|
|
Web |
|
|
|
| 06/16/2016 |
Yes |
- Debt collection
- Other (i.e. phone, health club, etc.)
|
- Disclosure verification of debt
- Right to dispute notice not received
|
|
Web |
|
|
|
| 06/14/2016 |
Yes |
- Debt collection
- Other (i.e. phone, health club, etc.)
|
- Disclosure verification of debt
- Not given enough info to verify debt
|
|
Phone |
|
|
|
| 06/14/2016 |
Yes |
- Debt collection
- Other (i.e. phone, health club, etc.)
|
- Cont'd attempts collect debt not owed
- Debt is not mine
|
|
Web |
Servicemember |
|
|
| 06/14/2016 |
Yes |
- Debt collection
- Credit card
|
- Disclosure verification of debt
- Not given enough info to verify debt
|
|
Fax |
|
|
|
| 06/13/2016 |
Yes |
- Debt collection
- Other (i.e. phone, health club, etc.)
|
- Cont'd attempts collect debt not owed
- Debt is not mine
|
|
Web |
|
|
|
| 06/03/2016 |
Yes |
- Debt collection
- I do not know
|
- Disclosure verification of debt
- Right to dispute notice not received
|
|
Web |
|
|
|
| 06/02/2016 |
Yes |
- Debt collection
- Other (i.e. phone, health club, etc.)
|
- Disclosure verification of debt
- Right to dispute notice not received
|
|
Web |
|
|
|
| 05/26/2016 |
Yes |
- Debt collection
- Other (i.e. phone, health club, etc.)
|
- Cont'd attempts collect debt not owed
- Debt is not mine
|
|
Web |
|
|
|
| 05/25/2016 |
Yes |
- Debt collection
- Other (i.e. phone, health club, etc.)
|
- False statements or representation
- Attempted to collect wrong amount
|
|
Web |
|
|
|
| 05/19/2016 |
Yes |
- Debt collection
- Other (i.e. phone, health club, etc.)
|
- Cont'd attempts collect debt not owed
- Debt was paid
|
|
Web |
|
|
|
| 05/17/2016 |
Yes |
- Debt collection
- Other (i.e. phone, health club, etc.)
|
- Disclosure verification of debt
- Not disclosed as an attempt to collect
|
|
Web |
|
|
|
| 05/16/2016 |
Yes |
- Debt collection
- Other (i.e. phone, health club, etc.)
|
- Cont'd attempts collect debt not owed
- Debt resulted from identity theft
|
|
Web |
|
|
|
| 05/13/2016 |
Yes |
- Debt collection
- Other (i.e. phone, health club, etc.)
|
- Cont'd attempts collect debt not owed
- Debt was paid
|
|
Web |
|
|
|
| 05/12/2016 |
Yes |
- Debt collection
- Other (i.e. phone, health club, etc.)
|
- Disclosure verification of debt
- Right to dispute notice not received
|
|
Web |
|
|
|
| 05/10/2016 |
Yes |
- Debt collection
- Other (i.e. phone, health club, etc.)
|
- Cont'd attempts collect debt not owed
- Debt resulted from identity theft
|
|
Web |
|
|
|
| 05/09/2016 |
Yes |
- Debt collection
- I do not know
|
- Disclosure verification of debt
- Right to dispute notice not received
|
|
Web |
Servicemember |
|
|
| 05/05/2016 |
Yes |
- Debt collection
- Other (i.e. phone, health club, etc.)
|
- Cont'd attempts collect debt not owed
- Debt was paid
|
|
Web |
|
|
|
| 05/03/2016 |
Yes |
- Debt collection
- Other (i.e. phone, health club, etc.)
|
- Cont'd attempts collect debt not owed
- Debt resulted from identity theft
|
|
Phone |
Older American |
|
|
| 04/25/2016 |
Yes |
- Debt collection
- Other (i.e. phone, health club, etc.)
|
- Disclosure verification of debt
- Right to dispute notice not received
|
|
Web |
Older American |
|
|
| 04/20/2016 |
Yes |
- Debt collection
- I do not know
|
- Cont'd attempts collect debt not owed
- Debt was discharged in bankruptcy
|
|
Web |
Older American, Servicemember |
|
|
| 04/20/2016 |
Yes |
- Debt collection
- Other (i.e. phone, health club, etc.)
|
- Cont'd attempts collect debt not owed
- Debt is not mine
|
|
Web |
|
|
|
| 04/18/2016 |
Yes |
- Debt collection
- Other (i.e. phone, health club, etc.)
|
- Cont'd attempts collect debt not owed
- Debt is not mine
|
|
Web |
|
|
|
| 04/17/2016 |
Yes |
- Debt collection
- Other (i.e. phone, health club, etc.)
|
- Disclosure verification of debt
- Not given enough info to verify debt
|
|
Web |
|
|
|
| 04/16/2016 |
Yes |
- Debt collection
- Other (i.e. phone, health club, etc.)
|
- Disclosure verification of debt
- Right to dispute notice not received
|
|
Web |
|
|
|
| 04/16/2016 |
Yes |
- Debt collection
- Other (i.e. phone, health club, etc.)
|
- Cont'd attempts collect debt not owed
- Debt was paid
|
|
Web |
|
|
|
| 04/15/2016 |
Yes |
- Debt collection
- Other (i.e. phone, health club, etc.)
|
- Improper contact or sharing of info
- Contacted me after I asked not to
|
|
Web |
|
|
|
| 04/13/2016 |
Yes |
- Debt collection
- Other (i.e. phone, health club, etc.)
|
- Cont'd attempts collect debt not owed
- Debt was paid
|
|
Web |
|
|
|
| 04/06/2016 |
Yes |
- Debt collection
- Other (i.e. phone, health club, etc.)
|
- False statements or representation
- Attempted to collect wrong amount
|
|
Web |
|
|
|
| 04/01/2016 |
Yes |
- Debt collection
- Other (i.e. phone, health club, etc.)
|
- Cont'd attempts collect debt not owed
- Debt is not mine
|
|
Web |
|
|
|
| 03/31/2016 |
Yes |
- Debt collection
- Other (i.e. phone, health club, etc.)
|
- Cont'd attempts collect debt not owed
- Debt resulted from identity theft
|
|
Web |
|
|
|
| 03/31/2016 |
Yes |
- Debt collection
- I do not know
|
- Cont'd attempts collect debt not owed
- Debt is not mine
|
|
Web |
|
|
|
| 03/30/2016 |
Yes |
- Debt collection
- Other (i.e. phone, health club, etc.)
|
- Cont'd attempts collect debt not owed
- Debt resulted from identity theft
|
|
Phone |
|
|
|
| 03/30/2016 |
Yes |
- Debt collection
- Other (i.e. phone, health club, etc.)
|
- Cont'd attempts collect debt not owed
- Debt is not mine
|
|
Web |
|
|
|
| 03/25/2016 |
Yes |
- Debt collection
- Other (i.e. phone, health club, etc.)
|
- Disclosure verification of debt
- Not given enough info to verify debt
|
|
Referral |
|
|
|
| 03/22/2016 |
Yes |
- Debt collection
- Other (i.e. phone, health club, etc.)
|
- Cont'd attempts collect debt not owed
- Debt was paid
|
|
Web |
|
|
|
| 03/21/2016 |
Yes |
- Debt collection
- I do not know
|
- Cont'd attempts collect debt not owed
- Debt is not mine
|
|
Web |
Older American |
|
|
| 03/19/2016 |
Yes |
- Debt collection
- Other (i.e. phone, health club, etc.)
|
- Cont'd attempts collect debt not owed
- Debt is not mine
|
|
Web |
|
|
|
| 03/18/2016 |
Yes |
- Debt collection
- Other (i.e. phone, health club, etc.)
|
- Cont'd attempts collect debt not owed
- Debt is not mine
|
|
Web |
|
|
|
| 03/17/2016 |
Yes |
- Debt collection
- Other (i.e. phone, health club, etc.)
|
- Cont'd attempts collect debt not owed
- Debt was paid
|
|
Referral |
|
|
|
| 03/17/2016 |
Yes |
- Debt collection
- Other (i.e. phone, health club, etc.)
|
- Cont'd attempts collect debt not owed
- Debt was paid
|
|
Referral |
|
|
|
| 03/16/2016 |
Yes |
- Debt collection
- Other (i.e. phone, health club, etc.)
|
- Disclosure verification of debt
- Right to dispute notice not received
|
|
Web |
|
|
|
| 03/12/2016 |
Yes |
- Debt collection
- I do not know
|
- Cont'd attempts collect debt not owed
- Debt is not mine
|
|
Web |
|
|
|
| 03/11/2016 |
Yes |
- Debt collection
- Other (i.e. phone, health club, etc.)
|
- Cont'd attempts collect debt not owed
- Debt is not mine
|
|
Referral |
|
|
|
| 03/10/2016 |
Yes |
- Debt collection
- I do not know
|
- Cont'd attempts collect debt not owed
- Debt is not mine
|
|
Web |
Servicemember |
|
|
| 03/08/2016 |
Yes |
- Debt collection
- Other (i.e. phone, health club, etc.)
|
- Cont'd attempts collect debt not owed
- Debt is not mine
|
|
Web |
|
|
|
| 03/04/2016 |
Yes |
- Debt collection
- Other (i.e. phone, health club, etc.)
|
- Cont'd attempts collect debt not owed
- Debt was paid
|
|
Web |
|
|
|
| 03/04/2016 |
Yes |
- Debt collection
- Other (i.e. phone, health club, etc.)
|
- Cont'd attempts collect debt not owed
- Debt is not mine
|
|
Phone |
Older American |
|
|
| 03/03/2016 |
Yes |
- Debt collection
- Other (i.e. phone, health club, etc.)
|
- Communication tactics
- Frequent or repeated calls
|
|
Web |
|
|
|
| 03/02/2016 |
Yes |
- Debt collection
- I do not know
|
- Disclosure verification of debt
- Right to dispute notice not received
|
|
Web |
Older American |
|
|
| 03/02/2016 |
Yes |
- Debt collection
- I do not know
|
- Disclosure verification of debt
- Right to dispute notice not received
|
|
Web |
Older American |
|
|
| 02/29/2016 |
Yes |
- Debt collection
- I do not know
|
- Cont'd attempts collect debt not owed
- Debt is not mine
|
|
Phone |
Servicemember |
|
|
| 02/29/2016 |
Yes |
- Debt collection
- Other (i.e. phone, health club, etc.)
|
- Cont'd attempts collect debt not owed
- Debt is not mine
|
|
Postal mail |
|
|
|
| 02/25/2016 |
Yes |
- Debt collection
- Other (i.e. phone, health club, etc.)
|
- Disclosure verification of debt
- Not given enough info to verify debt
|
|
Web |
|
|
|
| 02/25/2016 |
Yes |
- Debt collection
- Other (i.e. phone, health club, etc.)
|
- Cont'd attempts collect debt not owed
- Debt is not mine
|
|
Phone |
Older American, Servicemember |
|
|
| 02/24/2016 |
Yes |
- Debt collection
- Other (i.e. phone, health club, etc.)
|
- Cont'd attempts collect debt not owed
- Debt is not mine
|
|
Phone |
|
|
|
| 02/21/2016 |
Yes |
- Debt collection
- Other (i.e. phone, health club, etc.)
|
- Cont'd attempts collect debt not owed
- Debt was paid
|
|
Web |
|
|
|
| 02/19/2016 |
Yes |
- Debt collection
- Other (i.e. phone, health club, etc.)
|
- Cont'd attempts collect debt not owed
- Debt is not mine
|
|
Web |
|
|
|
| 02/19/2016 |
Yes |
- Debt collection
- Other (i.e. phone, health club, etc.)
|
- Disclosure verification of debt
- Right to dispute notice not received
|
|
Web |
|
|
|
| 02/18/2016 |
Yes |
- Debt collection
- I do not know
|
- Disclosure verification of debt
- Right to dispute notice not received
|
|
Web |
|
|
|
| 02/18/2016 |
Yes |
- Debt collection
- Other (i.e. phone, health club, etc.)
|
- Disclosure verification of debt
- Not given enough info to verify debt
|
|
Postal mail |
|
|
|
| 02/17/2016 |
Yes |
- Debt collection
- Other (i.e. phone, health club, etc.)
|
- Cont'd attempts collect debt not owed
- Debt is not mine
|
|
Web |
|
|
|
| 02/16/2016 |
Yes |
- Debt collection
- Other (i.e. phone, health club, etc.)
|
- Cont'd attempts collect debt not owed
- Debt is not mine
|
|
Web |
|
|
|
| 02/11/2016 |
Yes |
- Debt collection
- Other (i.e. phone, health club, etc.)
|
- Disclosure verification of debt
- Not given enough info to verify debt
|
|
Referral |
|
|
|
| 02/11/2016 |
Yes |
- Debt collection
- Other (i.e. phone, health club, etc.)
|
- Disclosure verification of debt
- Not given enough info to verify debt
|
|
Phone |
|
|
|
| 02/11/2016 |
Yes |
- Debt collection
- Other (i.e. phone, health club, etc.)
|
- Disclosure verification of debt
- Not disclosed as an attempt to collect
|
|
Web |
|
|
|
| 02/08/2016 |
Yes |
- Debt collection
- Other (i.e. phone, health club, etc.)
|
- Cont'd attempts collect debt not owed
- Debt is not mine
|
|
Web |
|
|
|
| 02/05/2016 |
Yes |
- Debt collection
- Other (i.e. phone, health club, etc.)
|
- Cont'd attempts collect debt not owed
- Debt resulted from identity theft
|
|
Web |
|
|
|
| 02/05/2016 |
Yes |
- Debt collection
- Other (i.e. phone, health club, etc.)
|
- Cont'd attempts collect debt not owed
- Debt was paid
|
|
Web |
|
|
|
| 02/02/2016 |
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 |
|
|
|
| 02/02/2016 |
Yes |
- Debt collection
- I do not know
|
- Communication tactics
- Frequent or repeated calls
|
|
Phone |
|
|
|
| 02/01/2016 |
Yes |
- Debt collection
- Other (i.e. phone, health club, etc.)
|
- Cont'd attempts collect debt not owed
- Debt is not mine
|
|
Web |
|
|
|
| 02/01/2016 |
Yes |
- Debt collection
- Other (i.e. phone, health club, etc.)
|
- Cont'd attempts collect debt not owed
- Debt resulted from identity theft
|
|
Web |
|
|
|
| 02/01/2016 |
Yes |
- Debt collection
- Other (i.e. phone, health club, etc.)
|
- Cont'd attempts collect debt not owed
- Debt is not mine
|
|
Phone |
|
|
|
| 01/28/2016 |
Yes |
- Debt collection
- Other (i.e. phone, health club, etc.)
|
- False statements or representation
- Indicated committed crime not paying
|
|
Referral |
|
|
|
| 01/28/2016 |
Yes |
- Debt collection
- Other (i.e. phone, health club, etc.)
|
- Disclosure verification of debt
- Not given enough info to verify debt
|
|
Referral |
|
|
|
| 01/26/2016 |
Yes |
- Debt collection
- Other (i.e. phone, health club, etc.)
|
- Disclosure verification of debt
- Not given enough info to verify debt
|
|
Web |
|
|
|
| 01/22/2016 |
Yes |
- Debt collection
- Other (i.e. phone, health club, etc.)
|
- Cont'd attempts collect debt not owed
- Debt is not mine
|
|
Web |
|
|
|
| 01/19/2016 |
Yes |
- Debt collection
- Other (i.e. phone, health club, etc.)
|
- Cont'd attempts collect debt not owed
- Debt resulted from identity theft
|
|
Web |
|
|
|
| 01/15/2016 |
Yes |
- Debt collection
- I do not know
|
- Cont'd attempts collect debt not owed
- Debt is not mine
|
|
Phone |
Older American |
|
|
| 01/15/2016 |
Yes |
- Debt collection
- Other (i.e. phone, health club, etc.)
|
- Cont'd attempts collect debt not owed
- Debt is not mine
|
|
Web |
|
|
|
| 01/13/2016 |
Yes |
- Debt collection
- I do not know
|
- Communication tactics
- Frequent or repeated calls
|
|
Web |
Older American |
|
|
| 01/12/2016 |
Yes |
- Debt collection
- Other (i.e. phone, health club, etc.)
|
- Cont'd attempts collect debt not owed
- Debt was paid
|
|
Web |
|
|
|
| 01/11/2016 |
Yes |
- Debt collection
- Other (i.e. phone, health club, etc.)
|
- Disclosure verification of debt
- Not given enough info to verify debt
|
|
Phone |
Older American |
|
|
| 01/05/2016 |
Yes |
- Debt collection
- Other (i.e. phone, health club, etc.)
|
- Cont'd attempts collect debt not owed
- Debt was paid
|
|
Phone |
|
|
|
| 01/03/2016 |
Yes |
- Debt collection
- Other (i.e. phone, health club, etc.)
|
- Cont'd attempts collect debt not owed
- Debt was paid
|
|
Web |
|
|
|
| 12/23/2015 |
Yes |
- Debt collection
- I do not know
|
- Communication tactics
- Called after sent written cease of comm
|
|
Web |
|
|
|
| 12/21/2015 |
Yes |
- Debt collection
- Other (i.e. phone, health club, etc.)
|
- Cont'd attempts collect debt not owed
- Debt is not mine
|
|
Web |
|
|
|
| 12/15/2015 |
Yes |
- Debt collection
- Other (i.e. phone, health club, etc.)
|
- Cont'd attempts collect debt not owed
- Debt is not mine
|
|
Phone |
|
|
|
| 12/15/2015 |
Yes |
- Debt collection
- Other (i.e. phone, health club, etc.)
|
- Communication tactics
- Frequent or repeated calls
|
|
Referral |
|
|
|
| 12/15/2015 |
Yes |
- Debt collection
- Other (i.e. phone, health club, etc.)
|
- Cont'd attempts collect debt not owed
- Debt was paid
|
|
Web |
|
|
|
| 12/11/2015 |
Yes |
- Debt collection
- Other (i.e. phone, health club, etc.)
|
- Cont'd attempts collect debt not owed
- Debt is not mine
|
|
Web |
Servicemember |
|
|
| 12/10/2015 |
Yes |
- Debt collection
- Other (i.e. phone, health club, etc.)
|
- Cont'd attempts collect debt not owed
- Debt resulted from identity theft
|
|
Web |
|
|
|
| 12/07/2015 |
Yes |
- Debt collection
- Other (i.e. phone, health club, etc.)
|
- Cont'd attempts collect debt not owed
- Debt was paid
|
|
Web |
|
|
|
| 12/02/2015 |
Yes |
- Debt collection
- Other (i.e. phone, health club, etc.)
|
- Cont'd attempts collect debt not owed
- Debt is not mine
|
|
Phone |
|
|
|
| 12/01/2015 |
Yes |
- Debt collection
- I do not know
|
- Communication tactics
- Frequent or repeated calls
|
|
Web |
|
|
|
| 11/28/2015 |
Yes |
- Debt collection
- Other (i.e. phone, health club, etc.)
|
- Cont'd attempts collect debt not owed
- Debt is not mine
|
|
Web |
Older American |
|
|
| 11/27/2015 |
Yes |
- Debt collection
- Other (i.e. phone, health club, etc.)
|
- Improper contact or sharing of info
- Talked to a third party about my debt
|
|
Referral |
|
|
|
| 11/25/2015 |
Yes |
- Debt collection
- I do not know
|
- Cont'd attempts collect debt not owed
- Debt is not mine
|
|
Web |
Older American |
|
|
| 11/25/2015 |
Yes |
- Debt collection
- Other (i.e. phone, health club, etc.)
|
- Disclosure verification of debt
- Not given enough info to verify debt
|
|
Web |
|
|
|
| 11/25/2015 |
Yes |
- Debt collection
- Other (i.e. phone, health club, etc.)
|
- Cont'd attempts collect debt not owed
- Debt resulted from identity theft
|
|
Postal mail |
Older American |
|
|
| 11/23/2015 |
Yes |
- Debt collection
- Other (i.e. phone, health club, etc.)
|
- False statements or representation
- Attempted to collect wrong amount
|
|
Postal mail |
|
|
|
| 11/22/2015 |
Yes |
- Debt collection
- Other (i.e. phone, health club, etc.)
|
- Cont'd attempts collect debt not owed
- Debt is not mine
|
|
Web |
|
|
|
| 11/19/2015 |
Yes |
- Debt collection
- I do not know
|
- Improper contact or sharing of info
- Contacted me after I asked not to
|
|
Web |
|
|
|
| 11/17/2015 |
Yes |
- Debt collection
- Other (i.e. phone, health club, etc.)
|
- False statements or representation
- Indicated committed crime not paying
|
|
Web |
|
|
|
| 11/17/2015 |
Yes |
- Debt collection
- I do not know
|
- Disclosure verification of debt
- Not given enough info to verify debt
|
|
Web |
Older American |
|
|
| 11/03/2015 |
Yes |
- Debt collection
- Other (i.e. phone, health club, etc.)
|
- Cont'd attempts collect debt not owed
- Debt resulted from identity theft
|
|
Web |
|
|
|
| 11/03/2015 |
Yes |
- Debt collection
- I do not know
|
- Communication tactics
- Frequent or repeated calls
|
|
Web |
|
|
|
| 10/29/2015 |
Yes |
- Debt collection
- Other (i.e. phone, health club, etc.)
|
- False statements or representation
- Attempted to collect wrong amount
|
|
Web |
|
|
|
| 10/29/2015 |
Yes |
- Debt collection
- Other (i.e. phone, health club, etc.)
|
- Communication tactics
- Frequent or repeated calls
|
|
Referral |
|
|
|
| 10/29/2015 |
Yes |
- Debt collection
- Other (i.e. phone, health club, etc.)
|
- Communication tactics
- Called outside of 8am-9pm
|
|
Phone |
|
|
|
| 10/19/2015 |
Yes |
- Debt collection
- I do not know
|
- Cont'd attempts collect debt not owed
- Debt is not mine
|
|
Web |
Older American |
|
|
| 10/14/2015 |
No |
- Debt collection
- Other (i.e. phone, health club, etc.)
|
- Cont'd attempts collect debt not owed
- Debt resulted from identity theft
|
|
Fax |
|
|
|
| 10/13/2015 |
Yes |
- Debt collection
- I do not know
|
- Cont'd attempts collect debt not owed
- Debt resulted from identity theft
|
|
Web |
|
|
|
| 10/08/2015 |
Yes |
- Debt collection
- I do not know
|
- Communication tactics
- Frequent or repeated calls
|
|
Web |
|
|
|
| 09/26/2015 |
Yes |
- Debt collection
- Other (i.e. phone, health club, etc.)
|
- False statements or representation
- Attempted to collect wrong amount
|
|
Web |
|
|
|
| 09/26/2015 |
Yes |
- Debt collection
- I do not know
|
- Communication tactics
- Frequent or repeated calls
|
|
Web |
|
|
|
| 09/23/2015 |
Yes |
- Debt collection
- Other (i.e. phone, health club, etc.)
|
- Cont'd attempts collect debt not owed
- Debt is not mine
|
|
Web |
Servicemember |
|
|
| 09/21/2015 |
Yes |
- Debt collection
- Other (i.e. phone, health club, etc.)
|
- Cont'd attempts collect debt not owed
- Debt is not mine
|
|
Web |
|
|
|
| 09/15/2015 |
Yes |
- Debt collection
- Other (i.e. phone, health club, etc.)
|
- Disclosure verification of debt
- Not disclosed as an attempt to collect
|
|
Web |
|
|
|
| 09/12/2015 |
Yes |
- Debt collection
- Other (i.e. phone, health club, etc.)
|
- False statements or representation
- Attempted to collect wrong amount
|
|
Web |
|
|
|
| 09/10/2015 |
Yes |
- Debt collection
- Other (i.e. phone, health club, etc.)
|
- Disclosure verification of debt
- Not given enough info to verify debt
|
|
Web |
|
|
|
| 09/04/2015 |
Yes |
- Debt collection
- I do not know
|
- Cont'd attempts collect debt not owed
- Debt is not mine
|
|
Web |
Servicemember |
|
|
| 09/02/2015 |
Yes |
- Debt collection
- Other (i.e. phone, health club, etc.)
|
- Cont'd attempts collect debt not owed
- Debt was paid
|
|
Web |
|
|
|
| 09/01/2015 |
Yes |
- Debt collection
- I do not know
|
- Cont'd attempts collect debt not owed
- Debt is not mine
|
|
Web |
|
|
|
| 08/28/2015 |
Yes |
- Debt collection
- I do not know
|
- Improper contact or sharing of info
- Talked to a third party about my debt
|
|
Web |
|
|
|
| 08/27/2015 |
Yes |
- Debt collection
- Other (i.e. phone, health club, etc.)
|
- Cont'd attempts collect debt not owed
- Debt is not mine
|
|
Web |
Servicemember |
|
|
| 08/26/2015 |
Yes |
- Debt collection
- Other (i.e. phone, health club, etc.)
|
- Cont'd attempts collect debt not owed
- Debt is not mine
|
|
Web |
|
|
|
| 08/22/2015 |
Yes |
- Debt collection
- I do not know
|
- False statements or representation
- Attempted to collect wrong amount
|
|
Web |
|
|
|
| 08/20/2015 |
Yes |
- Debt collection
- Other (i.e. phone, health club, etc.)
|
- Cont'd attempts collect debt not owed
- Debt is not mine
|
|
Web |
|
|
|
| 08/20/2015 |
Yes |
- Debt collection
- Other (i.e. phone, health club, etc.)
|
- Disclosure verification of debt
- Not disclosed as an attempt to collect
|
|
Web |
|
|
|
| 08/19/2015 |
Yes |
- Debt collection
- I do not know
|
- Cont'd attempts collect debt not owed
- Debt is not mine
|
|
Phone |
|
|
|
| 08/16/2015 |
Yes |
- Debt collection
- Other (i.e. phone, health club, etc.)
|
- Cont'd attempts collect debt not owed
- Debt is not mine
|
|
Web |
|
|
|
| 08/14/2015 |
Yes |
- Debt collection
- Other (i.e. phone, health club, etc.)
|
- Cont'd attempts collect debt not owed
- Debt was paid
|
|
Web |
|
|
|
| 08/12/2015 |
Yes |
- Debt collection
- Other (i.e. phone, health club, etc.)
|
- Disclosure verification of debt
- Right to dispute notice not received
|
|
Web |
|
|
|
| 08/08/2015 |
Yes |
- Debt collection
- Other (i.e. phone, health club, etc.)
|
- Cont'd attempts collect debt not owed
- Debt was paid
|
|
Web |
|
|
|
| 08/08/2015 |
Yes |
- Debt collection
- Other (i.e. phone, health club, etc.)
|
- Cont'd attempts collect debt not owed
- Debt was paid
|
|
Web |
|
|
|
| 08/07/2015 |
Yes |
|
- Incorrect information on credit report
- Information is not mine
|
|
Referral |
|
|
|
| 08/05/2015 |
Yes |
- Debt collection
- I do not know
|
- Cont'd attempts collect debt not owed
- Debt is not mine
|
|
Web |
|
|
|
| 08/05/2015 |
Yes |
- Debt collection
- I do not know
|
- Cont'd attempts collect debt not owed
- Debt is not mine
|
|
Web |
|
|
|
| 08/05/2015 |
Yes |
- Debt collection
- I do not know
|
- Improper contact or sharing of info
- Talked to a third party about my debt
|
|
Web |
|
|
|
| 08/04/2015 |
Yes |
- Debt collection
- Other (i.e. phone, health club, etc.)
|
- Cont'd attempts collect debt not owed
- Debt is not mine
|
|
Phone |
|
|
|
| 08/03/2015 |
Yes |
- Debt collection
- Other (i.e. phone, health club, etc.)
|
- Cont'd attempts collect debt not owed
- Debt is not mine
|
|
Web |
Older American |
|
|
| 07/31/2015 |
Yes |
- Debt collection
- Other (i.e. phone, health club, etc.)
|
- Cont'd attempts collect debt not owed
- Debt is not mine
|
|
Web |
|
|
|
| 07/30/2015 |
Yes |
- Debt collection
- I do not know
|
- Cont'd attempts collect debt not owed
- Debt resulted from identity theft
|
|
Referral |
|
|
|
| 07/27/2015 |
Yes |
- Debt collection
- Other (i.e. phone, health club, etc.)
|
- Cont'd attempts collect debt not owed
- Debt is not mine
|
|
Web |
|
|
|
| 07/24/2015 |
Yes |
- Debt collection
- Other (i.e. phone, health club, etc.)
|
- Cont'd attempts collect debt not owed
- Debt is not mine
|
|
Web |
|
|
|
| 07/18/2015 |
Yes |
- Debt collection
- Other (i.e. phone, health club, etc.)
|
- Cont'd attempts collect debt not owed
- Debt is not mine
|
|
Web |
|
|
|
| 07/17/2015 |
Yes |
- Debt collection
- Other (i.e. phone, health club, etc.)
|
- Improper contact or sharing of info
- Contacted me instead of my attorney
|
|
Web |
|
|
|
| 07/15/2015 |
Yes |
- Debt collection
- I do not know
|
- Disclosure verification of debt
- Right to dispute notice not received
|
|
Web |
|
|
|
| 07/15/2015 |
Yes |
- Debt collection
- I do not know
|
- Cont'd attempts collect debt not owed
- Debt is not mine
|
|
Web |
Older American |
|
|
| 07/14/2015 |
Yes |
- Debt collection
- I do not know
|
- Cont'd attempts collect debt not owed
- Debt is not mine
|
|
Web |
|
|
|
| 07/07/2015 |
Yes |
|
- Incorrect information on credit report
- Reinserted previously deleted info
|
|
Web |
|
|
|
| 07/06/2015 |
Yes |
- Debt collection
- Other (i.e. phone, health club, etc.)
|
- Cont'd attempts collect debt not owed
- Debt is not mine
|
|
Web |
|
|
|
| 07/03/2015 |
Yes |
- Debt collection
- I do not know
|
- Cont'd attempts collect debt not owed
- Debt is not mine
|
|
Web |
|
|
|
| 06/28/2015 |
Yes |
- Debt collection
- Other (i.e. phone, health club, etc.)
|
- Cont'd attempts collect debt not owed
- Debt is not mine
|
|
Web |
|
|
|
| 06/25/2015 |
Yes |
- Debt collection
- Other (i.e. phone, health club, etc.)
|
- Cont'd attempts collect debt not owed
- Debt resulted from identity theft
|
|
Web |
|
|
|
| 06/25/2015 |
Yes |
- Debt collection
- Other (i.e. phone, health club, etc.)
|
- Cont'd attempts collect debt not owed
- Debt is not mine
|
|
Web |
|
|
|
| 06/24/2015 |
Yes |
- Debt collection
- Other (i.e. phone, health club, etc.)
|
- Disclosure verification of debt
- Not given enough info to verify debt
|
|
Web |
Servicemember |
|
|
| 06/20/2015 |
Yes |
- Debt collection
- Other (i.e. phone, health club, etc.)
|
- Cont'd attempts collect debt not owed
- Debt was paid
|
|
Web |
|
|
|
| 06/19/2015 |
Yes |
- Debt collection
- Other (i.e. phone, health club, etc.)
|
- Cont'd attempts collect debt not owed
- Debt resulted from identity theft
|
|
Web |
|
|
|
| 06/16/2015 |
Yes |
- Debt collection
- Other (i.e. phone, health club, etc.)
|
- Cont'd attempts collect debt not owed
- Debt is not mine
|
|
Web |
|
|
|
| 06/16/2015 |
Yes |
- Debt collection
- Other (i.e. phone, health club, etc.)
|
- Cont'd attempts collect debt not owed
- Debt is not mine
|
|
Web |
|
|
|
| 06/07/2015 |
Yes |
- Debt collection
- Other (i.e. phone, health club, etc.)
|
- Cont'd attempts collect debt not owed
- Debt was discharged in bankruptcy
|
|
Web |
|
|
|
| 06/03/2015 |
Yes |
- Debt collection
- Other (i.e. phone, health club, etc.)
|
- Cont'd attempts collect debt not owed
- Debt is not mine
|
|
Web |
|
|
|
| 05/31/2015 |
Yes |
- Debt collection
- Other (i.e. phone, health club, etc.)
|
- Cont'd attempts collect debt not owed
- Debt resulted from identity theft
|
|
Web |
|
|
|
| 05/29/2015 |
Yes |
- Debt collection
- I do not know
|
- Cont'd attempts collect debt not owed
- Debt is not mine
|
|
Web |
|
|
|
| 05/26/2015 |
Yes |
- Debt collection
- Other (i.e. phone, health club, etc.)
|
- Disclosure verification of debt
- Right to dispute notice not received
|
|
Web |
Servicemember |
|
|
| 05/20/2015 |
Yes |
- Debt collection
- I do not know
|
- Cont'd attempts collect debt not owed
- Debt is not mine
|
|
Web |
|
|
|
| 05/19/2015 |
Yes |
- Debt collection
- Other (i.e. phone, health club, etc.)
|
- Disclosure verification of debt
- Right to dispute notice not received
|
|
Web |
Servicemember |
|
|
| 05/19/2015 |
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 |
Older American |
|
|
| 05/18/2015 |
Yes |
- Debt collection
- Other (i.e. phone, health club, etc.)
|
- Cont'd attempts collect debt not owed
- Debt is not mine
|
|
Web |
|
|
|
| 05/17/2015 |
Yes |
- Debt collection
- Other (i.e. phone, health club, etc.)
|
- Cont'd attempts collect debt not owed
- Debt was paid
|
|
Web |
|
|
|
| 05/14/2015 |
Yes |
- Debt collection
- I do not know
|
- Cont'd attempts collect debt not owed
- Debt is not mine
|
|
Web |
|
|
|
| 05/04/2015 |
Yes |
- Debt collection
- Other (i.e. phone, health club, etc.)
|
- Cont'd attempts collect debt not owed
- Debt is not mine
|
|
Phone |
|
|
|
| 05/02/2015 |
Yes |
- Debt collection
- Other (i.e. phone, health club, etc.)
|
- Cont'd attempts collect debt not owed
- Debt was paid
|
|
Web |
|
|
|
| 05/01/2015 |
Yes |
- Debt collection
- Other (i.e. phone, health club, etc.)
|
- Disclosure verification of debt
- Right to dispute notice not received
|
|
Web |
|
|
|
| 04/30/2015 |
Yes |
- Debt collection
- Other (i.e. phone, health club, etc.)
|
- Disclosure verification of debt
- Right to dispute notice not received
|
|
Web |
|
|
|
| 04/28/2015 |
Yes |
- Debt collection
- Other (i.e. phone, health club, etc.)
|
- Communication tactics
- Frequent or repeated calls
|
|
Web |
|
|
|
| 04/23/2015 |
Yes |
- Debt collection
- Other (i.e. phone, health club, etc.)
|
- Cont'd attempts collect debt not owed
- Debt is not mine
|
|
Web |
|
|
|
| 04/21/2015 |
Yes |
- Debt collection
- Other (i.e. phone, health club, etc.)
|
- Cont'd attempts collect debt not owed
- Debt is not mine
|
|
Web |
|
|
|
| 04/20/2015 |
Yes |
- Debt collection
- Other (i.e. phone, health club, etc.)
|
- Cont'd attempts collect debt not owed
- Debt resulted from identity theft
|
|
Web |
Servicemember |
|
|
| 04/19/2015 |
Yes |
- Debt collection
- Other (i.e. phone, health club, etc.)
|
- Cont'd attempts collect debt not owed
- Debt resulted from identity theft
|
|
Web |
|
|
|
| 04/17/2015 |
Yes |
- Debt collection
- I do not know
|
- Cont'd attempts collect debt not owed
- Debt was discharged in bankruptcy
|
|
Web |
Older American |
|
|
| 04/16/2015 |
Yes |
- Debt collection
- Other (i.e. phone, health club, etc.)
|
- Cont'd attempts collect debt not owed
- Debt was paid
|
|
Web |
|
|
|
| 04/12/2015 |
Yes |
- Debt collection
- Other (i.e. phone, health club, etc.)
|
- Cont'd attempts collect debt not owed
- Debt is not mine
|
|
Web |
|
|
|
| 04/08/2015 |
Yes |
- Debt collection
- Other (i.e. phone, health club, etc.)
|
- Cont'd attempts collect debt not owed
- Debt resulted from identity theft
|
|
Web |
Older American, Servicemember |
|
|
| 04/04/2015 |
Yes |
- Debt collection
- Other (i.e. phone, health club, etc.)
|
- Cont'd attempts collect debt not owed
- Debt is not mine
|
|
Web |
|
|
|
| 04/03/2015 |
Yes |
- Debt collection
- Other (i.e. phone, health club, etc.)
|
- Disclosure verification of debt
- Not given enough info to verify debt
|
|
Postal mail |
|
|
|
| 04/02/2015 |
Yes |
- Debt collection
- Other (i.e. phone, health club, etc.)
|
- Cont'd attempts collect debt not owed
- Debt is not mine
|
|
Phone |
|
|
|
| 04/01/2015 |
Yes |
- Debt collection
- I do not know
|
- Cont'd attempts collect debt not owed
- Debt is not mine
|
|
Referral |
|
|
|
| 04/01/2015 |
Yes |
- Debt collection
- Other (i.e. phone, health club, etc.)
|
- False statements or representation
- Attempted to collect wrong amount
|
|
Web |
|
|
|
| 03/30/2015 |
Yes |
- Debt collection
- Other (i.e. phone, health club, etc.)
|
- Cont'd attempts collect debt not owed
- Debt resulted from identity theft
|
|
Web |
|
|
|
| 03/30/2015 |
Yes |
- Debt collection
- Other (i.e. phone, health club, etc.)
|
- Communication tactics
- Frequent or repeated calls
|
|
Web |
|
|
|
| 03/26/2015 |
Yes |
- Debt collection
- Other (i.e. phone, health club, etc.)
|
- Cont'd attempts collect debt not owed
- Debt is not mine
|
|
Web |
|
|
|
| 03/25/2015 |
Yes |
- Debt collection
- Other (i.e. phone, health club, etc.)
|
- Disclosure verification of debt
- Right to dispute notice not received
|
|
Web |
|
|
|
| 03/25/2015 |
Yes |
- Debt collection
- Other (i.e. phone, health club, etc.)
|
- Communication tactics
- Frequent or repeated calls
|
|
Web |
Servicemember |
|
|
| 03/24/2015 |
Yes |
- Debt collection
- I do not know
|
- Cont'd attempts collect debt not owed
- Debt is not mine
|
|
Web |
|
|
|
| 03/24/2015 |
Yes |
- Debt collection
- Other (i.e. phone, health club, etc.)
|
- Cont'd attempts collect debt not owed
- Debt resulted from identity theft
|
|
Web |
Servicemember |
|
|
| 03/20/2015 |
Yes |
- Debt collection
- Other (i.e. phone, health club, etc.)
|
- Cont'd attempts collect debt not owed
- Debt is not mine
|
|
Postal mail |
|
|
|
| 03/17/2015 |
Yes |
- Debt collection
- Other (i.e. phone, health club, etc.)
|
- Cont'd attempts collect debt not owed
- Debt is not mine
|
|
Web |
Older American |
|
|
| 03/11/2015 |
Yes |
- Debt collection
- Other (i.e. phone, health club, etc.)
|
- Cont'd attempts collect debt not owed
- Debt was discharged in bankruptcy
|
|
Web |
|
|
|
| 03/10/2015 |
Yes |
- Debt collection
- I do not know
|
- Improper contact or sharing of info
- Talked to a third party about my debt
|
|
Web |
|
|
|
| 03/10/2015 |
Yes |
- Debt collection
- Other (i.e. phone, health club, etc.)
|
- Disclosure verification of debt
- Not given enough info to verify debt
|
|
Web |
Servicemember |
|
|
| 03/10/2015 |
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 |
Older American |
|
|
| 03/09/2015 |
Yes |
- Debt collection
- Other (i.e. phone, health club, etc.)
|
- Disclosure verification of debt
- Right to dispute notice not received
|
|
Web |
|
|
|
| 03/06/2015 |
Yes |
- Debt collection
- Other (i.e. phone, health club, etc.)
|
- Disclosure verification of debt
- Right to dispute notice not received
|
|
Web |
|
|
|
| 03/02/2015 |
Yes |
- Debt collection
- Other (i.e. phone, health club, etc.)
|
- Cont'd attempts collect debt not owed
- Debt is not mine
|
|
Phone |
Servicemember |
|
|
| 03/02/2015 |
Yes |
- Debt collection
- Other (i.e. phone, health club, etc.)
|
- Cont'd attempts collect debt not owed
- Debt is not mine
|
|
Web |
|
|
|
| 02/27/2015 |
Yes |
- Debt collection
- Other (i.e. phone, health club, etc.)
|
- False statements or representation
- Attempted to collect wrong amount
|
|
Web |
Older American |
|
|
| 02/26/2015 |
Yes |
- Debt collection
- Other (i.e. phone, health club, etc.)
|
- Cont'd attempts collect debt not owed
- Debt is not mine
|
|
Phone |
Older American |
|
|
| 02/26/2015 |
Yes |
- Debt collection
- I do not know
|
- Disclosure verification of debt
- Not given enough info to verify debt
|
|
Web |
|
|
|
| 02/26/2015 |
Yes |
- Debt collection
- Other (i.e. phone, health club, etc.)
|
- Cont'd attempts collect debt not owed
- Debt is not mine
|
|
Web |
|
|
|
| 02/26/2015 |
Yes |
- Debt collection
- Other (i.e. phone, health club, etc.)
|
- Disclosure verification of debt
- Right to dispute notice not received
|
|
Web |
|
|
|
| 02/25/2015 |
Yes |
- Debt collection
- Other (i.e. phone, health club, etc.)
|
- Cont'd attempts collect debt not owed
- Debt resulted from identity theft
|
|
Web |
|
|
|
| 02/23/2015 |
Yes |
- Debt collection
- Other (i.e. phone, health club, etc.)
|
- Cont'd attempts collect debt not owed
- Debt is not mine
|
|
Web |
Servicemember |
|
|
| 02/23/2015 |
Yes |
- Debt collection
- Other (i.e. phone, health club, etc.)
|
- False statements or representation
- Attempted to collect wrong amount
|
|
Web |
|
|
|
| 02/21/2015 |
Yes |
- Debt collection
- Other (i.e. phone, health club, etc.)
|
- Disclosure verification of debt
- Not given enough info to verify debt
|
|
Web |
|
|
|
| 02/20/2015 |
Yes |
- Debt collection
- I do not know
|
- Cont'd attempts collect debt not owed
- Debt is not mine
|
|
Web |
|
|
|
| 02/19/2015 |
Yes |
- Debt collection
- Other (i.e. phone, health club, etc.)
|
- Disclosure verification of debt
- Not given enough info to verify debt
|
|
Web |
|
|
|
| 02/18/2015 |
Yes |
- Debt collection
- Other (i.e. phone, health club, etc.)
|
- Cont'd attempts collect debt not owed
- Debt is not mine
|
|
Web |
|
|
|
| 02/18/2015 |
Yes |
- Debt collection
- Other (i.e. phone, health club, etc.)
|
- Cont'd attempts collect debt not owed
- Debt was paid
|
|
Web |
|
|
|
| 02/18/2015 |
Yes |
|
- Incorrect information on credit report
- Account status
|
|
Web |
|
|
|
| 02/18/2015 |
Yes |
- Debt collection
- Other (i.e. phone, health club, etc.)
|
- Disclosure verification of debt
- Right to dispute notice not received
|
|
Web |
Servicemember |
|
|
| 02/17/2015 |
Yes |
- Debt collection
- Credit card
|
- Cont'd attempts collect debt not owed
- Debt was paid
|
|
Web |
|
|
|
| 02/17/2015 |
Yes |
- Debt collection
- Other (i.e. phone, health club, etc.)
|
- Disclosure verification of debt
- Not given enough info to verify debt
|
|
Web |
|
|
|
| 02/17/2015 |
Yes |
- Debt collection
- Other (i.e. phone, health club, etc.)
|
- Disclosure verification of debt
- Right to dispute notice not received
|
|
Web |
|
|
|
| 02/16/2015 |
Yes |
- Debt collection
- Other (i.e. phone, health club, etc.)
|
- Disclosure verification of debt
- Right to dispute notice not received
|
|
Web |
|
|
|
| 02/14/2015 |
Yes |
- Debt collection
- I do not know
|
- Cont'd attempts collect debt not owed
- Debt is not mine
|
|
Web |
|
|
|
| 02/14/2015 |
Yes |
- Debt collection
- Other (i.e. phone, health club, etc.)
|
- Disclosure verification of debt
- Right to dispute notice not received
|
|
Web |
Servicemember |
|
|
| 02/11/2015 |
Yes |
- Debt collection
- I do not know
|
- Cont'd attempts collect debt not owed
- Debt was paid
|
|
Web |
|
|
|
| 02/10/2015 |
Yes |
- Debt collection
- I do not know
|
- Disclosure verification of debt
- Not given enough info to verify debt
|
|
Web |
|
|
|
| 02/10/2015 |
Yes |
- Debt collection
- Other (i.e. phone, health club, etc.)
|
- Cont'd attempts collect debt not owed
- Debt was paid
|
|
Web |
|
|
|
| 02/10/2015 |
Yes |
- Debt collection
- Other (i.e. phone, health club, etc.)
|
- False statements or representation
- Attempted to collect wrong amount
|
|
Web |
Servicemember |
|
|
| 02/09/2015 |
Yes |
- Debt collection
- Other (i.e. phone, health club, etc.)
|
- Cont'd attempts collect debt not owed
- Debt is not mine
|
|
Web |
Older American, Servicemember |
|
|
| 02/07/2015 |
Yes |
|
- Incorrect information on credit report
- Information is not mine
|
|
Web |
Older American |
|
|
| 02/07/2015 |
Yes |
- Debt collection
- Credit card
|
- Communication tactics
- Threatened to take legal action
|
|
Web |
|
|
|
| 02/06/2015 |
Yes |
|
- Incorrect information on credit report
- Account status
|
|
Web |
|
|
|
| 02/06/2015 |
Yes |
- Debt collection
- I do not know
|
- Cont'd attempts collect debt not owed
- Debt is not mine
|
|
Web |
|
|
|
| 02/05/2015 |
Yes |
- Debt collection
- Other (i.e. phone, health club, etc.)
|
- Cont'd attempts collect debt not owed
- Debt is not mine
|
|
Web |
|
|
|
| 02/04/2015 |
Yes |
- Debt collection
- Other (i.e. phone, health club, etc.)
|
- Cont'd attempts collect debt not owed
- Debt is not mine
|
|
Web |
|
|
|
| 02/03/2015 |
Yes |
- Debt collection
- Other (i.e. phone, health club, etc.)
|
- Cont'd attempts collect debt not owed
- Debt was paid
|
|
Web |
Older American, Servicemember |
|
|
| 02/03/2015 |
Yes |
|
- Incorrect information on credit report
- Information is not mine
|
|
Web |
|
|
|
| 02/01/2015 |
Yes |
- Debt collection
- Other (i.e. phone, health club, etc.)
|
- Cont'd attempts collect debt not owed
- Debt is not mine
|
|
Web |
|
|
|
| 01/30/2015 |
Yes |
- Debt collection
- I do not know
|
- Cont'd attempts collect debt not owed
- Debt is not mine
|
|
Web |
|
|
|
| 01/29/2015 |
Yes |
- Debt collection
- I do not know
|
- Cont'd attempts collect debt not owed
- Debt is not mine
|
|
Web |
|
|
|
| 01/29/2015 |
Yes |
|
- Incorrect information on credit report
- Reinserted previously deleted info
|
|
Web |
|
|
|
| 01/28/2015 |
Yes |
- Debt collection
- Other (i.e. phone, health club, etc.)
|
- Cont'd attempts collect debt not owed
- Debt resulted from identity theft
|
|
Web |
Older American |
|
|
| 01/27/2015 |
Yes |
- Debt collection
- Other (i.e. phone, health club, etc.)
|
- Cont'd attempts collect debt not owed
- Debt is not mine
|
|
Web |
|
|
|
| 01/26/2015 |
Yes |
- Debt collection
- Other (i.e. phone, health club, etc.)
|
- Disclosure verification of debt
- Right to dispute notice not received
|
|
Web |
|
|
|
| 01/24/2015 |
Yes |
- Debt collection
- Other (i.e. phone, health club, etc.)
|
- Cont'd attempts collect debt not owed
- Debt was paid
|
|
Web |
|
|
|
| 01/21/2015 |
Yes |
- Debt collection
- Other (i.e. phone, health club, etc.)
|
- Cont'd attempts collect debt not owed
- Debt is not mine
|
|
Web |
|
|
|
| 01/20/2015 |
Yes |
- Debt collection
- Other (i.e. phone, health club, etc.)
|
- Cont'd attempts collect debt not owed
- Debt is not mine
|
|
Phone |
|
|
|
| 01/19/2015 |
Yes |
- Debt collection
- Other (i.e. phone, health club, etc.)
|
- Cont'd attempts collect debt not owed
- Debt was paid
|
|
Web |
|
|
|
| 01/15/2015 |
Yes |
- Debt collection
- Other (i.e. phone, health club, etc.)
|
- Disclosure verification of debt
- Not given enough info to verify debt
|
|
Phone |
|
|
|
| 01/15/2015 |
Yes |
- Debt collection
- Other (i.e. phone, health club, etc.)
|
- Cont'd attempts collect debt not owed
- Debt is not mine
|
|
Web |
|
|
|
| 01/14/2015 |
Yes |
- Debt collection
- Other (i.e. phone, health club, etc.)
|
- Cont'd attempts collect debt not owed
- Debt is not mine
|
|
Web |
|
|
|
| 01/14/2015 |
Yes |
- Debt collection
- Other (i.e. phone, health club, etc.)
|
- Disclosure verification of debt
- Right to dispute notice not received
|
|
Web |
|
|
|
| 01/13/2015 |
Yes |
- Debt collection
- I do not know
|
- Cont'd attempts collect debt not owed
- Debt is not mine
|
|
Web |
|
|
|
| 01/13/2015 |
Yes |
- Debt collection
- Other (i.e. phone, health club, etc.)
|
- False statements or representation
- Attempted to collect wrong amount
|
|
Web |
Servicemember |
|
|
| 01/09/2015 |
Yes |
- Debt collection
- I do not know
|
- Cont'd attempts collect debt not owed
- Debt is not mine
|
|
Web |
|
|
|
| 01/07/2015 |
Yes |
- Debt collection
- I do not know
|
- Disclosure verification of debt
- Not given enough info to verify debt
|
|
Web |
|
|
|
| 01/05/2015 |
Yes |
- Debt collection
- Other (i.e. phone, health club, etc.)
|
- Communication tactics
- Frequent or repeated calls
|
|
Web |
|
|
|
| 01/04/2015 |
Yes |
- Debt collection
- Other (i.e. phone, health club, etc.)
|
- Disclosure verification of debt
- Right to dispute notice not received
|
|
Web |
|
|
|
| 12/31/2014 |
Yes |
- Debt collection
- I do not know
|
- Cont'd attempts collect debt not owed
- Debt is not mine
|
|
Web |
|
|
|
| 12/31/2014 |
Yes |
- Debt collection
- I do not know
|
- Taking/threatening an illegal action
- Threatened arrest/jail if do not pay
|
|
Web |
|
|
|
| 12/30/2014 |
Yes |
- Debt collection
- Other (i.e. phone, health club, etc.)
|
- Cont'd attempts collect debt not owed
- Debt is not mine
|
|
Web |
|
|
|
| 12/30/2014 |
Yes |
- Debt collection
- I do not know
|
- Cont'd attempts collect debt not owed
- Debt is not mine
|
|
Web |
|
|
|
| 12/29/2014 |
Yes |
- Debt collection
- Other (i.e. phone, health club, etc.)
|
- Cont'd attempts collect debt not owed
- Debt was paid
|
|
Fax |
|
|
|
| 12/27/2014 |
Yes |
- Consumer Loan
- Installment loan
|
- Taking out the loan or lease
|
|
Web |
|
|
|
| 12/26/2014 |
Yes |
- Debt collection
- I do not know
|
- Cont'd attempts collect debt not owed
- Debt is not mine
|
|
Web |
Servicemember |
|
|
| 12/24/2014 |
Yes |
- Debt collection
- Other (i.e. phone, health club, etc.)
|
- Disclosure verification of debt
- Right to dispute notice not received
|
|
Web |
|
|
|
| 12/23/2014 |
Yes |
- Debt collection
- I do not know
|
- Cont'd attempts collect debt not owed
- Debt is not mine
|
|
Web |
|
|
|
| 12/22/2014 |
Yes |
- Debt collection
- I do not know
|
- Cont'd attempts collect debt not owed
- Debt is not mine
|
|
Web |
|
|
|
| 12/22/2014 |
Yes |
- Debt collection
- Other (i.e. phone, health club, etc.)
|
- Disclosure verification of debt
- Right to dispute notice not received
|
|
Web |
|
|
|
| 12/22/2014 |
Yes |
- Debt collection
- I do not know
|
- Cont'd attempts collect debt not owed
- Debt is not mine
|
|
Web |
Older American |
|
|
| 12/18/2014 |
Yes |
- Debt collection
- Other (i.e. phone, health club, etc.)
|
- False statements or representation
- Attempted to collect wrong amount
|
|
Web |
|
|
|
| 12/16/2014 |
Yes |
- Debt collection
- I do not know
|
- Improper contact or sharing of info
- Talked to a third party about my debt
|
|
Web |
|
|
|
| 12/15/2014 |
Yes |
- Debt collection
- Other (i.e. phone, health club, etc.)
|
- Cont'd attempts collect debt not owed
- Debt is not mine
|
|
Web |
|
|
|
| 12/14/2014 |
Yes |
- Debt collection
- Other (i.e. phone, health club, etc.)
|
- Disclosure verification of debt
- Not disclosed as an attempt to collect
|
|
Web |
|
|
|
| 12/12/2014 |
Yes |
- Debt collection
- Other (i.e. phone, health club, etc.)
|
- Communication tactics
- Frequent or repeated calls
|
|
Web |
|
|
|
| 12/12/2014 |
Yes |
- Debt collection
- Other (i.e. phone, health club, etc.)
|
- Cont'd attempts collect debt not owed
- Debt was paid
|
|
Referral |
|
|
|
| 12/09/2014 |
Yes |
- Debt collection
- Other (i.e. phone, health club, etc.)
|
- Disclosure verification of debt
- Right to dispute notice not received
|
|
Web |
|
|
|
| 12/08/2014 |
Yes |
- Debt collection
- I do not know
|
- Communication tactics
- Frequent or repeated calls
|
|
Phone |
|
|
|
| 12/05/2014 |
Yes |
- Debt collection
- Other (i.e. phone, health club, etc.)
|
- False statements or representation
- Attempted to collect wrong amount
|
|
Web |
|
|
|
| 12/05/2014 |
Yes |
- Debt collection
- Other (i.e. phone, health club, etc.)
|
- Cont'd attempts collect debt not owed
- Debt resulted from identity theft
|
|
Web |
|
|
|
| 12/05/2014 |
Yes |
- Debt collection
- Other (i.e. phone, health club, etc.)
|
- Cont'd attempts collect debt not owed
- Debt was paid
|
|
Web |
|
|
|
| 12/03/2014 |
Yes |
- Debt collection
- Other (i.e. phone, health club, etc.)
|
- Disclosure verification of debt
- Right to dispute notice not received
|
|
Web |
Servicemember |
|
|
| 12/02/2014 |
Yes |
- Debt collection
- Other (i.e. phone, health club, etc.)
|
- Cont'd attempts collect debt not owed
- Debt was paid
|
|
Web |
Servicemember |
|
|
| 12/01/2014 |
Yes |
- Debt collection
- Other (i.e. phone, health club, etc.)
|
- Cont'd attempts collect debt not owed
- Debt is not mine
|
|
Web |
|
|
|
| 11/26/2014 |
Yes |
- Debt collection
- Other (i.e. phone, health club, etc.)
|
- False statements or representation
- Attempted to collect wrong amount
|
|
Web |
|
|
|
| 11/25/2014 |
Yes |
- Debt collection
- I do not know
|
- Communication tactics
- Frequent or repeated calls
|
|
Web |
Servicemember |
|
|
| 11/24/2014 |
Yes |
- Debt collection
- Other (i.e. phone, health club, etc.)
|
- Cont'd attempts collect debt not owed
- Debt is not mine
|
|
Phone |
|
|
|
| 11/22/2014 |
Yes |
- Debt collection
- Other (i.e. phone, health club, etc.)
|
- Cont'd attempts collect debt not owed
- Debt was paid
|
|
Web |
|
|
|
| 11/22/2014 |
Yes |
- Debt collection
- I do not know
|
- Improper contact or sharing of info
- Contacted me after I asked not to
|
|
Web |
Older American |
|
|
| 11/22/2014 |
Yes |
|
|
|
Web |
|
|
|
| 11/19/2014 |
Yes |
- Debt collection
- Other (i.e. phone, health club, etc.)
|
- Cont'd attempts collect debt not owed
- Debt is not mine
|
|
Web |
Servicemember |
|
|
| 11/19/2014 |
Yes |
- Debt collection
- Other (i.e. phone, health club, etc.)
|
- Cont'd attempts collect debt not owed
- Debt is not mine
|
|
Web |
|
|
|
| 11/18/2014 |
Yes |
- Debt collection
- Other (i.e. phone, health club, etc.)
|
- Improper contact or sharing of info
- Contacted me after I asked not to
|
|
Web |
|
|
|
| 11/17/2014 |
Yes |
- Debt collection
- Other (i.e. phone, health club, etc.)
|
- Cont'd attempts collect debt not owed
- Debt resulted from identity theft
|
|
Web |
|
|
|
| 11/12/2014 |
Yes |
- Debt collection
- Other (i.e. phone, health club, etc.)
|
- Cont'd attempts collect debt not owed
- Debt was discharged in bankruptcy
|
|
Web |
|
|
|
| 11/12/2014 |
Yes |
- Debt collection
- Other (i.e. phone, health club, etc.)
|
- Cont'd attempts collect debt not owed
- Debt was paid
|
|
Web |
|
|
|
| 11/07/2014 |
Yes |
- Debt collection
- I do not know
|
- Cont'd attempts collect debt not owed
- Debt is not mine
|
|
Phone |
Older American |
|
|
| 11/06/2014 |
Yes |
|
- Incorrect information on credit report
- Account terms
|
|
Web |
|
|
|
| 11/05/2014 |
Yes |
- Debt collection
- I do not know
|
- Cont'd attempts collect debt not owed
- Debt is not mine
|
|
Phone |
Older American |
|
|
| 11/05/2014 |
Yes |
- Debt collection
- Other (i.e. phone, health club, etc.)
|
- Cont'd attempts collect debt not owed
- Debt is not mine
|
|
Web |
|
|
|
| 11/05/2014 |
Yes |
- Debt collection
- Other (i.e. phone, health club, etc.)
|
- Cont'd attempts collect debt not owed
- Debt is not mine
|
|
Phone |
|
|
|
| 11/04/2014 |
Yes |
- Debt collection
- Other (i.e. phone, health club, etc.)
|
- Cont'd attempts collect debt not owed
- Debt resulted from identity theft
|
|
Phone |
|
|
|
| 11/03/2014 |
Yes |
- Debt collection
- I do not know
|
- Cont'd attempts collect debt not owed
- Debt is not mine
|
|
Web |
|
|
|
| 10/31/2014 |
Yes |
- Debt collection
- Other (i.e. phone, health club, etc.)
|
- Communication tactics
- Frequent or repeated calls
|
|
Phone |
|
|
|
| 10/31/2014 |
Yes |
- Debt collection
- I do not know
|
- Cont'd attempts collect debt not owed
- Debt is not mine
|
|
Web |
Older American |
|
|
| 10/31/2014 |
Yes |
- Debt collection
- I do not know
|
- Disclosure verification of debt
- Not given enough info to verify debt
|
|
Web |
|
|
|
| 10/31/2014 |
Yes |
- Debt collection
- I do not know
|
- Cont'd attempts collect debt not owed
- Debt is not mine
|
|
Web |
Older American |
|
|
| 10/31/2014 |
Yes |
- Debt collection
- Other (i.e. phone, health club, etc.)
|
- Cont'd attempts collect debt not owed
- Debt is not mine
|
|
Phone |
Older American |
|
|
| 10/31/2014 |
Yes |
- Debt collection
- I do not know
|
- Improper contact or sharing of info
- Contacted me after I asked not to
|
|
Web |
|
|
|
| 10/28/2014 |
Yes |
- Debt collection
- I do not know
|
- Cont'd attempts collect debt not owed
- Debt is not mine
|
|
Web |
|
|
|
| 10/27/2014 |
Yes |
- Debt collection
- I do not know
|
- Cont'd attempts collect debt not owed
- Debt is not mine
|
|
Web |
Servicemember |
|
|
| 10/26/2014 |
Yes |
- Debt collection
- I do not know
|
- Cont'd attempts collect debt not owed
- Debt is not mine
|
|
Web |
|
|
|
| 10/25/2014 |
Yes |
- Debt collection
- Other (i.e. phone, health club, etc.)
|
- Disclosure verification of debt
- Right to dispute notice not received
|
|
Web |
|
|
|
| 10/24/2014 |
Yes |
- Debt collection
- Other (i.e. phone, health club, etc.)
|
- Cont'd attempts collect debt not owed
- Debt resulted from identity theft
|
|
Phone |
Older American |
|
|
| 10/24/2014 |
Yes |
- Debt collection
- Other (i.e. phone, health club, etc.)
|
- Cont'd attempts collect debt not owed
- Debt was paid
|
|
Web |
Servicemember |
|
|
| 10/16/2014 |
Yes |
- Debt collection
- I do not know
|
- Cont'd attempts collect debt not owed
- Debt is not mine
|
|
Web |
|
|
|
| 10/15/2014 |
Yes |
- Debt collection
- Other (i.e. phone, health club, etc.)
|
- Communication tactics
- Used obscene/profane/abusive language
|
|
Web |
|
|
|
| 10/15/2014 |
Yes |
- Debt collection
- I do not know
|
- Improper contact or sharing of info
- Contacted me after I asked not to
|
|
Web |
|
|
|
| 10/14/2014 |
Yes |
- Debt collection
- I do not know
|
- Cont'd attempts collect debt not owed
- Debt is not mine
|
|
Phone |
Older American |
|
|
| 10/11/2014 |
Yes |
- Debt collection
- Credit card
|
- Cont'd attempts collect debt not owed
- Debt is not mine
|
|
Web |
Older American, Servicemember |
|
|
| 10/09/2014 |
Yes |
- Debt collection
- Other (i.e. phone, health club, etc.)
|
- Cont'd attempts collect debt not owed
- Debt was discharged in bankruptcy
|
|
Web |
Older American |
|
|
| 10/07/2014 |
Yes |
- Debt collection
- I do not know
|
- Cont'd attempts collect debt not owed
- Debt is not mine
|
|
Web |
|
|
|
| 10/07/2014 |
Yes |
- Debt collection
- Other (i.e. phone, health club, etc.)
|
- Disclosure verification of debt
- Not given enough info to verify debt
|
|
Postal mail |
|
|
|
| 10/05/2014 |
Yes |
- Debt collection
- I do not know
|
- Cont'd attempts collect debt not owed
- Debt is not mine
|
|
Web |
|
|
|
| 10/02/2014 |
Yes |
- Debt collection
- Other (i.e. phone, health club, etc.)
|
- Cont'd attempts collect debt not owed
- Debt was paid
|
|
Web |
|
|
|
| 09/29/2014 |
Yes |
- Debt collection
- Other (i.e. phone, health club, etc.)
|
- Cont'd attempts collect debt not owed
- Debt was paid
|
|
Web |
|
|
|
| 09/26/2014 |
Yes |
- Debt collection
- Other (i.e. phone, health club, etc.)
|
- Cont'd attempts collect debt not owed
- Debt was paid
|
|
Web |
Servicemember |
|
|
| 09/25/2014 |
Yes |
- Debt collection
- Other (i.e. phone, health club, etc.)
|
- Disclosure verification of debt
- Not given enough info to verify debt
|
|
Web |
|
|
|
| 09/24/2014 |
Yes |
- Debt collection
- Other (i.e. phone, health club, etc.)
|
- Cont'd attempts collect debt not owed
- Debt was paid
|
|
Web |
|
|
|
| 09/22/2014 |
Yes |
- Debt collection
- Other (i.e. phone, health club, etc.)
|
- Cont'd attempts collect debt not owed
- Debt is not mine
|
|
Web |
Older American |
|
|
| 09/19/2014 |
No |
- Debt collection
- Other (i.e. phone, health club, etc.)
|
- Cont'd attempts collect debt not owed
- Debt was paid
|
|
Web |
|
|
|
| 09/17/2014 |
Yes |
- Debt collection
- Other (i.e. phone, health club, etc.)
|
- Cont'd attempts collect debt not owed
- Debt is not mine
|
|
Web |
|
|
|
| 09/16/2014 |
Yes |
- Debt collection
- Other (i.e. phone, health club, etc.)
|
- Cont'd attempts collect debt not owed
- Debt was paid
|
|
Web |
|
|
|
| 09/09/2014 |
Yes |
- Debt collection
- I do not know
|
- Cont'd attempts collect debt not owed
- Debt is not mine
|
|
Web |
|
|
|
| 09/08/2014 |
Yes |
- Debt collection
- Other (i.e. phone, health club, etc.)
|
- Cont'd attempts collect debt not owed
- Debt is not mine
|
|
Web |
|
|
|
| 09/06/2014 |
Yes |
- Debt collection
- I do not know
|
- Cont'd attempts collect debt not owed
- Debt is not mine
|
|
Web |
|
|
|
| 09/04/2014 |
Yes |
- Debt collection
- Other (i.e. phone, health club, etc.)
|
- Cont'd attempts collect debt not owed
- Debt was paid
|
|
Web |
|
|
|
| 09/03/2014 |
Yes |
- Debt collection
- Other (i.e. phone, health club, etc.)
|
- False statements or representation
- Impersonated an attorney or official
|
|
Web |
|
|
|
| 09/03/2014 |
Yes |
- Debt collection
- Other (i.e. phone, health club, etc.)
|
- Disclosure verification of debt
- Right to dispute notice not received
|
|
Web |
|
|
|
| 09/03/2014 |
Yes |
- Debt collection
- Other (i.e. phone, health club, etc.)
|
- Disclosure verification of debt
- Not given enough info to verify debt
|
|
Web |
Servicemember |
|
|
| 09/03/2014 |
Yes |
- Debt collection
- Other (i.e. phone, health club, etc.)
|
- Cont'd attempts collect debt not owed
- Debt is not mine
|
|
Web |
|
|
|
| 08/29/2014 |
Yes |
- Debt collection
- Other (i.e. phone, health club, etc.)
|
- Cont'd attempts collect debt not owed
- Debt is not mine
|
|
Web |
|
|
|
| 08/26/2014 |
Yes |
- Debt collection
- Other (i.e. phone, health club, etc.)
|
- False statements or representation
- Attempted to collect wrong amount
|
|
Web |
|
|
|
| 08/25/2014 |
Yes |
- Debt collection
- I do not know
|
- Cont'd attempts collect debt not owed
- Debt is not mine
|
|
Web |
|
|
|
| 08/22/2014 |
Yes |
- Debt collection
- Other (i.e. phone, health club, etc.)
|
- Taking/threatening an illegal action
- Threatened arrest/jail if do not pay
|
|
Web |
|
|
|
| 08/20/2014 |
Yes |
- Debt collection
- Other (i.e. phone, health club, etc.)
|
- Cont'd attempts collect debt not owed
- Debt was paid
|
|
Web |
|
|
|
| 08/19/2014 |
Yes |
- Debt collection
- I do not know
|
- Cont'd attempts collect debt not owed
- Debt is not mine
|
|
Web |
Older American |
|
|
| 08/19/2014 |
No |
- Debt collection
- Other (i.e. phone, health club, etc.)
|
- Cont'd attempts collect debt not owed
- Debt was paid
|
|
Web |
Servicemember |
|
|
| 08/17/2014 |
Yes |
- Debt collection
- Other (i.e. phone, health club, etc.)
|
- Cont'd attempts collect debt not owed
- Debt was paid
|
|
Web |
|
|
|
| 08/14/2014 |
Yes |
- Debt collection
- I do not know
|
- Cont'd attempts collect debt not owed
- Debt is not mine
|
|
Web |
|
|
|
| 08/14/2014 |
Yes |
- Debt collection
- I do not know
|
- Cont'd attempts collect debt not owed
- Debt is not mine
|
|
Web |
|
|
|
| 08/13/2014 |
Yes |
- Debt collection
- I do not know
|
- Improper contact or sharing of info
- Contacted me after I asked not to
|
|
Web |
|
|
|
| 08/12/2014 |
Yes |
- Debt collection
- Other (i.e. phone, health club, etc.)
|
- Cont'd attempts collect debt not owed
- Debt was paid
|
|
Web |
|
|
|
| 08/09/2014 |
Yes |
- Debt collection
- I do not know
|
- Cont'd attempts collect debt not owed
- Debt is not mine
|
|
Web |
|
|
|
| 08/08/2014 |
Yes |
- Debt collection
- I do not know
|
- Cont'd attempts collect debt not owed
- Debt is not mine
|
|
Web |
|
|
|
| 08/06/2014 |
Yes |
- Debt collection
- I do not know
|
- Cont'd attempts collect debt not owed
- Debt is not mine
|
|
Web |
|
|
|
| 08/05/2014 |
Yes |
- Debt collection
- I do not know
|
- Communication tactics
- Frequent or repeated calls
|
|
Web |
|
|
|
| 08/05/2014 |
No |
- Debt collection
- Other (i.e. phone, health club, etc.)
|
- Cont'd attempts collect debt not owed
- Debt is not mine
|
|
Web |
|
|
|
| 08/03/2014 |
Yes |
- Debt collection
- Other (i.e. phone, health club, etc.)
|
- Disclosure verification of debt
- Not given enough info to verify debt
|
|
Web |
|
|
|
| 08/02/2014 |
Yes |
- Debt collection
- Other (i.e. phone, health club, etc.)
|
- Cont'd attempts collect debt not owed
- Debt was paid
|
|
Web |
|
|
|
| 08/01/2014 |
Yes |
- Debt collection
- Other (i.e. phone, health club, etc.)
|
- Cont'd attempts collect debt not owed
- Debt was paid
|
|
Web |
|
|
|
| 08/01/2014 |
Yes |
- Debt collection
- Other (i.e. phone, health club, etc.)
|
- Cont'd attempts collect debt not owed
- Debt is not mine
|
|
Web |
|
|
|
| 08/01/2014 |
Yes |
- Debt collection
- Other (i.e. phone, health club, etc.)
|
- Disclosure verification of debt
- Right to dispute notice not received
|
|
Referral |
|
|
|
| 08/01/2014 |
Yes |
- Debt collection
- I do not know
|
- Communication tactics
- Frequent or repeated calls
|
|
Web |
Servicemember |
|
|
| 07/31/2014 |
Yes |
- Debt collection
- Other (i.e. phone, health club, etc.)
|
- Cont'd attempts collect debt not owed
- Debt is not mine
|
|
Web |
|
|
|
| 07/30/2014 |
Yes |
- Debt collection
- Other (i.e. phone, health club, etc.)
|
- Cont'd attempts collect debt not owed
- Debt is not mine
|
|
Web |
Older American |
|
|
| 07/29/2014 |
Yes |
- Debt collection
- Other (i.e. phone, health club, etc.)
|
- Cont'd attempts collect debt not owed
- Debt was paid
|
|
Web |
|
|
|
| 07/29/2014 |
Yes |
- Debt collection
- Other (i.e. phone, health club, etc.)
|
- Cont'd attempts collect debt not owed
- Debt is not mine
|
|
Web |
|
|
|
| 07/26/2014 |
Yes |
- Debt collection
- Other (i.e. phone, health club, etc.)
|
- False statements or representation
- Attempted to collect wrong amount
|
|
Web |
Servicemember |
|
|
| 07/26/2014 |
Yes |
|
- Cont'd attempts collect debt not owed
- Debt is not mine
|
|
Web |
|
|
|
| 07/25/2014 |
Yes |
- Debt collection
- Other (i.e. phone, health club, etc.)
|
- Disclosure verification of debt
- Not given enough info to verify debt
|
|
Web |
|
|
|
| 07/23/2014 |
Yes |
- Debt collection
- I do not know
|
- Communication tactics
- Frequent or repeated calls
|
|
Web |
|
|
|
| 07/22/2014 |
Yes |
- Debt collection
- I do not know
|
- Disclosure verification of debt
- Right to dispute notice not received
|
|
Web |
|
|
|
| 07/22/2014 |
Yes |
- Debt collection
- I do not know
|
- Cont'd attempts collect debt not owed
- Debt is not mine
|
|
Web |
|
|
|
| 07/20/2014 |
Yes |
- Debt collection
- I do not know
|
- Cont'd attempts collect debt not owed
- Debt is not mine
|
|
Web |
|
|
|
| 07/20/2014 |
Yes |
- Debt collection
- I do not know
|
- Cont'd attempts collect debt not owed
- Debt is not mine
|
|
Web |
|
|
|
| 07/17/2014 |
Yes |
- Debt collection
- I do not know
|
- Cont'd attempts collect debt not owed
- Debt is not mine
|
|
Phone |
|
|
|
| 07/17/2014 |
Yes |
- Debt collection
- Other (i.e. phone, health club, etc.)
|
- Cont'd attempts collect debt not owed
- Debt is not mine
|
|
Phone |
|
|
|
| 07/16/2014 |
Yes |
- Debt collection
- I do not know
|
- Communication tactics
- Frequent or repeated calls
|
|
Web |
|
|
|
| 07/14/2014 |
Yes |
- Debt collection
- I do not know
|
- Cont'd attempts collect debt not owed
- Debt is not mine
|
|
Web |
|
|
|
| 07/14/2014 |
Yes |
|
- Cont'd attempts collect debt not owed
- Debt was paid
|
|
Web |
|
|
|
| 07/11/2014 |
Yes |
- Debt collection
- I do not know
|
- Communication tactics
- Used obscene/profane/abusive language
|
|
Web |
|
|
|
| 07/10/2014 |
Yes |
- Debt collection
- Other (i.e. phone, health club, etc.)
|
- Cont'd attempts collect debt not owed
- Debt is not mine
|
|
Web |
Servicemember |
|
|
| 07/09/2014 |
Yes |
- Debt collection
- Other (i.e. phone, health club, etc.)
|
- Disclosure verification of debt
- Not given enough info to verify debt
|
|
Web |
|
|
|
| 07/09/2014 |
Yes |
- Debt collection
- Other (i.e. phone, health club, etc.)
|
- Cont'd attempts collect debt not owed
- Debt is not mine
|
|
Web |
|
|
|
| 07/08/2014 |
Yes |
- Debt collection
- Other (i.e. phone, health club, etc.)
|
- Cont'd attempts collect debt not owed
- Debt is not mine
|
|
Phone |
|
|
|
| 07/03/2014 |
Yes |
- Debt collection
- Other (i.e. phone, health club, etc.)
|
- Cont'd attempts collect debt not owed
- Debt was paid
|
|
Phone |
Older American |
|
|
| 07/03/2014 |
Yes |
- Debt collection
- Other (i.e. phone, health club, etc.)
|
- Cont'd attempts collect debt not owed
- Debt was paid
|
|
Web |
|
|
|
| 06/27/2014 |
Yes |
- Debt collection
- I do not know
|
- Disclosure verification of debt
- Not given enough info to verify debt
|
|
Referral |
|
|
|
| 06/27/2014 |
Yes |
- Debt collection
- Other (i.e. phone, health club, etc.)
|
- Communication tactics
- Used obscene/profane/abusive language
|
|
Web |
|
|
|
| 06/26/2014 |
Yes |
- Debt collection
- Other (i.e. phone, health club, etc.)
|
- Communication tactics
- Frequent or repeated calls
|
|
Web |
|
|
|
| 06/24/2014 |
Yes |
- Debt collection
- Other (i.e. phone, health club, etc.)
|
- Cont'd attempts collect debt not owed
- Debt is not mine
|
|
Web |
|
|
|
| 06/24/2014 |
Yes |
- Debt collection
- Other (i.e. phone, health club, etc.)
|
- Cont'd attempts collect debt not owed
- Debt is not mine
|
|
Web |
|
|
|
| 06/21/2014 |
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 |
Servicemember |
|
|
| 06/20/2014 |
Yes |
- Debt collection
- Credit card
|
- Communication tactics
- Frequent or repeated calls
|
|
Web |
|
|
|
| 06/18/2014 |
Yes |
- Debt collection
- Other (i.e. phone, health club, etc.)
|
- Communication tactics
- Used obscene/profane/abusive language
|
|
Web |
|
|
|
| 06/18/2014 |
Yes |
- Debt collection
- I do not know
|
- Improper contact or sharing of info
- Contacted me after I asked not to
|
|
Web |
Servicemember |
|
|
| 06/17/2014 |
Yes |
- Debt collection
- Other (i.e. phone, health club, etc.)
|
- Communication tactics
- Frequent or repeated calls
|
|
Web |
|
|
|
| 06/17/2014 |
Yes |
- Debt collection
- Other (i.e. phone, health club, etc.)
|
- Cont'd attempts collect debt not owed
- Debt is not mine
|
|
Web |
|
|
|
| 06/16/2014 |
Yes |
- Debt collection
- I do not know
|
- Communication tactics
- Frequent or repeated calls
|
|
Web |
|
|
|
| 06/16/2014 |
Yes |
- Debt collection
- Other (i.e. phone, health club, etc.)
|
- False statements or representation
- Attempted to collect wrong amount
|
|
Web |
|
|
|
| 06/16/2014 |
Yes |
- Debt collection
- I do not know
|
- Cont'd attempts collect debt not owed
- Debt is not mine
|
|
Web |
|
|
|
| 06/12/2014 |
Yes |
- Debt collection
- Other (i.e. phone, health club, etc.)
|
- Disclosure verification of debt
- Not given enough info to verify debt
|
|
Web |
|
|
|
| 06/12/2014 |
Yes |
- Debt collection
- Other (i.e. phone, health club, etc.)
|
- Disclosure verification of debt
- Right to dispute notice not received
|
|
Web |
|
|
|
| 06/05/2014 |
Yes |
- Debt collection
- Other (i.e. phone, health club, etc.)
|
- False statements or representation
- Attempted to collect wrong amount
|
|
Web |
|
|
|
| 06/05/2014 |
Yes |
- Debt collection
- Other (i.e. phone, health club, etc.)
|
- Disclosure verification of debt
- Not given enough info to verify debt
|
|
Web |
|
|
|
| 06/05/2014 |
Yes |
- Debt collection
- Other (i.e. phone, health club, etc.)
|
- Disclosure verification of debt
- Not given enough info to verify debt
|
|
Web |
|
|
|
| 06/04/2014 |
Yes |
- Debt collection
- Other (i.e. phone, health club, etc.)
|
- Cont'd attempts collect debt not owed
- Debt is not mine
|
|
Phone |
Older American, Servicemember |
|
|
| 06/03/2014 |
Yes |
- Debt collection
- I do not know
|
- Cont'd attempts collect debt not owed
- Debt is not mine
|
|
Web |
|
|
|
| 06/03/2014 |
Yes |
- Debt collection
- I do not know
|
- Cont'd attempts collect debt not owed
- Debt is not mine
|
|
Web |
|
|
|
| 05/26/2014 |
Yes |
- Debt collection
- Other (i.e. phone, health club, etc.)
|
- Cont'd attempts collect debt not owed
- Debt is not mine
|
|
Web |
|
|
|
| 05/23/2014 |
Yes |
- Debt collection
- Other (i.e. phone, health club, etc.)
|
- Disclosure verification of debt
- Not given enough info to verify debt
|
|
Web |
Servicemember |
|
|
| 05/23/2014 |
Yes |
- Debt collection
- I do not know
|
- Cont'd attempts collect debt not owed
- Debt is not mine
|
|
Web |
|
|
|
| 05/22/2014 |
Yes |
- Debt collection
- Other (i.e. phone, health club, etc.)
|
- Cont'd attempts collect debt not owed
- Debt is not mine
|
|
Web |
Servicemember |
|
|
| 05/21/2014 |
Yes |
- Debt collection
- Other (i.e. phone, health club, etc.)
|
- Cont'd attempts collect debt not owed
- Debt is not mine
|
|
Web |
|
|
|
| 05/16/2014 |
Yes |
- Debt collection
- I do not know
|
- Cont'd attempts collect debt not owed
- Debt is not mine
|
|
Web |
|
|
|
| 05/16/2014 |
Yes |
- Debt collection
- Other (i.e. phone, health club, etc.)
|
- Cont'd attempts collect debt not owed
- Debt is not mine
|
|
Web |
|
|
|
| 05/14/2014 |
Yes |
- Debt collection
- I do not know
|
- Cont'd attempts collect debt not owed
- Debt is not mine
|
|
Web |
|
|
|
| 05/11/2014 |
Yes |
- Debt collection
- Other (i.e. phone, health club, etc.)
|
- Cont'd attempts collect debt not owed
- Debt resulted from identity theft
|
|
Web |
|
|
|
| 05/09/2014 |
Yes |
- Debt collection
- I do not know
|
- Communication tactics
- Frequent or repeated calls
|
|
Web |
|
|
|
| 05/08/2014 |
Yes |
- Debt collection
- Other (i.e. phone, health club, etc.)
|
- Cont'd attempts collect debt not owed
- Debt is not mine
|
|
Web |
|
|
|
| 05/08/2014 |
Yes |
- Debt collection
- I do not know
|
- Communication tactics
- Frequent or repeated calls
|
|
Web |
|
|
|
| 05/06/2014 |
Yes |
- Debt collection
- I do not know
|
- Disclosure verification of debt
- Not given enough info to verify debt
|
|
Referral |
|
|
|
| 05/05/2014 |
Yes |
- Debt collection
- Other (i.e. phone, health club, etc.)
|
- Disclosure verification of debt
- Not given enough info to verify debt
|
|
Web |
|
|
|
| 05/01/2014 |
Yes |
- Debt collection
- I do not know
|
- Cont'd attempts collect debt not owed
- Debt is not mine
|
|
Web |
|
|
|
| 04/30/2014 |
Yes |
- Debt collection
- Other (i.e. phone, health club, etc.)
|
- Communication tactics
- Used obscene/profane/abusive language
|
|
Web |
|
|
|
| 04/30/2014 |
Yes |
- Debt collection
- Other (i.e. phone, health club, etc.)
|
- Communication tactics
- Called after sent written cease of comm
|
|
Web |
|
|
|
| 04/30/2014 |
Yes |
- Debt collection
- Other (i.e. phone, health club, etc.)
|
- Taking/threatening an illegal action
- Seized/Attempted to seize property
|
|
Web |
|
|
|
| 04/28/2014 |
Yes |
- Debt collection
- Other (i.e. phone, health club, etc.)
|
- Cont'd attempts collect debt not owed
- Debt was paid
|
|
Phone |
|
|
|
| 04/24/2014 |
Yes |
- Debt collection
- Other (i.e. phone, health club, etc.)
|
- False statements or representation
- Attempted to collect wrong amount
|
|
Web |
|
|
|
| 04/23/2014 |
Yes |
- Debt collection
- I do not know
|
- Cont'd attempts collect debt not owed
- Debt is not mine
|
|
Web |
|
|
|
| 04/23/2014 |
Yes |
- Debt collection
- I do not know
|
- Cont'd attempts collect debt not owed
- Debt is not mine
|
|
Web |
Servicemember |
|
|
| 04/17/2014 |
Yes |
- Debt collection
- Other (i.e. phone, health club, etc.)
|
- False statements or representation
- Impersonated an attorney or official
|
|
Web |
|
|
|
| 04/17/2014 |
Yes |
- Debt collection
- I do not know
|
- Communication tactics
- Frequent or repeated calls
|
|
Web |
Older American, Servicemember |
|
|
| 04/15/2014 |
Yes |
- Debt collection
- Other (i.e. phone, health club, etc.)
|
- Taking/threatening an illegal action
- Threatened arrest/jail if do not pay
|
|
Web |
|
|
|
| 04/14/2014 |
Yes |
- Debt collection
- I do not know
|
- Cont'd attempts collect debt not owed
- Debt is not mine
|
|
Web |
|
|
|
| 04/10/2014 |
Yes |
|
- Incorrect information on credit report
- Account status
|
|
Postal mail |
|
|
|
| 04/09/2014 |
Yes |
- Debt collection
- I do not know
|
- Cont'd attempts collect debt not owed
- Debt is not mine
|
|
Web |
|
|
|
| 04/08/2014 |
Yes |
- Debt collection
- Other (i.e. phone, health club, etc.)
|
- Cont'd attempts collect debt not owed
- Debt was paid
|
|
Phone |
|
|
|
| 04/06/2014 |
Yes |
- Debt collection
- I do not know
|
- Cont'd attempts collect debt not owed
- Debt is not mine
|
|
Web |
|
|
|
| 04/03/2014 |
Yes |
- Debt collection
- Other (i.e. phone, health club, etc.)
|
- Cont'd attempts collect debt not owed
- Debt resulted from identity theft
|
|
Web |
|
|
|
| 04/03/2014 |
Yes |
- Debt collection
- I do not know
|
- Cont'd attempts collect debt not owed
- Debt is not mine
|
|
Web |
|
|
|
| 04/03/2014 |
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 |
Older American |
|
|
| 04/02/2014 |
Yes |
- Debt collection
- I do not know
|
- Communication tactics
- Frequent or repeated calls
|
|
Web |
|
|
|
| 03/29/2014 |
Yes |
- Debt collection
- Other (i.e. phone, health club, etc.)
|
- Disclosure verification of debt
- Not given enough info to verify debt
|
|
Web |
|
|
|
| 03/28/2014 |
Yes |
- Debt collection
- Other (i.e. phone, health club, etc.)
|
- Disclosure verification of debt
- Right to dispute notice not received
|
|
Web |
|
|
|
| 03/28/2014 |
Yes |
- Debt collection
- Credit card
|
- Communication tactics
- Frequent or repeated calls
|
|
Phone |
|
|
|
| 03/28/2014 |
Yes |
- Debt collection
- Other (i.e. phone, health club, etc.)
|
- Disclosure verification of debt
- Not given enough info to verify debt
|
|
Web |
|
|
|
| 03/26/2014 |
Yes |
- Debt collection
- Credit card
|
- Communication tactics
- Frequent or repeated calls
|
|
Web |
|
|
|
| 03/25/2014 |
Yes |
- Debt collection
- I do not know
|
- Cont'd attempts collect debt not owed
- Debt resulted from identity theft
|
|
Web |
|
|
|
| 03/25/2014 |
Yes |
- Debt collection
- I do not know
|
- Communication tactics
- Frequent or repeated calls
|
|
Phone |
|
|
|
| 03/25/2014 |
Yes |
- Debt collection
- I do not know
|
- Cont'd attempts collect debt not owed
- Debt is not mine
|
|
Web |
Older American |
|
|
| 03/22/2014 |
Yes |
- Debt collection
- Credit card
|
- Cont'd attempts collect debt not owed
- Debt was paid
|
|
Web |
|
|
|
| 03/20/2014 |
Yes |
- Debt collection
- Other (i.e. phone, health club, etc.)
|
- Cont'd attempts collect debt not owed
- Debt is not mine
|
|
Referral |
|
|
|
| 03/20/2014 |
Yes |
- Debt collection
- I do not know
|
- Communication tactics
- Frequent or repeated calls
|
|
Phone |
Older American |
|
|
| 03/18/2014 |
Yes |
|
- Incorrect information on credit report
- Account status
|
|
Web |
|
|
|
| 03/13/2014 |
Yes |
- Debt collection
- I do not know
|
- Cont'd attempts collect debt not owed
- Debt is not mine
|
|
Web |
|
|
|
| 03/13/2014 |
Yes |
- Debt collection
- Payday loan
|
- Communication tactics
- Threatened to take legal action
|
|
Web |
|
|
|
| 03/12/2014 |
Yes |
- Debt collection
- I do not know
|
- Communication tactics
- Frequent or repeated calls
|
|
Web |
|
|
|
| 03/12/2014 |
Yes |
- Debt collection
- Other (i.e. phone, health club, etc.)
|
- Cont'd attempts collect debt not owed
- Debt was paid
|
|
Web |
Servicemember |
|
|
| 03/10/2014 |
Yes |
- Debt collection
- Other (i.e. phone, health club, etc.)
|
- Cont'd attempts collect debt not owed
- Debt is not mine
|
|
Web |
|
|
|
| 03/07/2014 |
Yes |
- Debt collection
- Other (i.e. phone, health club, etc.)
|
- Cont'd attempts collect debt not owed
- Debt resulted from identity theft
|
|
Postal mail |
Older American |
|
|
| 03/06/2014 |
Yes |
- Debt collection
- I do not know
|
- Cont'd attempts collect debt not owed
- Debt is not mine
|
|
Web |
Older American |
|
|
| 03/04/2014 |
Yes |
- Debt collection
- Other (i.e. phone, health club, etc.)
|
- Cont'd attempts collect debt not owed
- Debt is not mine
|
|
Web |
|
|
|
| 03/01/2014 |
Yes |
- Debt collection
- I do not know
|
- Communication tactics
- Frequent or repeated calls
|
|
Web |
|
|
|
| 03/01/2014 |
Yes |
- Debt collection
- I do not know
|
- Cont'd attempts collect debt not owed
- Debt is not mine
|
|
Web |
Older American |
|
|
| 02/27/2014 |
Yes |
- Debt collection
- Other (i.e. phone, health club, etc.)
|
- Improper contact or sharing of info
- Contacted me after I asked not to
|
|
Web |
|
|
|
| 02/27/2014 |
Yes |
- Debt collection
- Other (i.e. phone, health club, etc.)
|
- Disclosure verification of debt
- Right to dispute notice not received
|
|
Web |
|
|
|
| 02/26/2014 |
Yes |
- Debt collection
- Other (i.e. phone, health club, etc.)
|
- Disclosure verification of debt
- Not given enough info to verify debt
|
|
Web |
|
|
|
| 02/21/2014 |
Yes |
- Debt collection
- Other (i.e. phone, health club, etc.)
|
- False statements or representation
- Attempted to collect wrong amount
|
|
Web |
|
|
|
| 02/21/2014 |
Yes |
- Debt collection
- I do not know
|
- Communication tactics
- Threatened to take legal action
|
|
Phone |
Older American |
|
|
| 02/20/2014 |
Yes |
- Debt collection
- Other (i.e. phone, health club, etc.)
|
- Cont'd attempts collect debt not owed
- Debt was paid
|
|
Web |
|
|
|
| 02/20/2014 |
Yes |
- Debt collection
- I do not know
|
- Communication tactics
- Frequent or repeated calls
|
|
Web |
|
|
|
| 02/20/2014 |
Yes |
- Debt collection
- I do not know
|
- Cont'd attempts collect debt not owed
- Debt is not mine
|
|
Web |
|
|
|
| 02/20/2014 |
Yes |
- Debt collection
- I do not know
|
- Cont'd attempts collect debt not owed
- Debt is not mine
|
|
Web |
|
|
|
| 02/19/2014 |
Yes |
- Debt collection
- I do not know
|
- Cont'd attempts collect debt not owed
- Debt is not mine
|
|
Web |
Older American |
|
|
| 02/12/2014 |
Yes |
- Debt collection
- I do not know
|
- Cont'd attempts collect debt not owed
- Debt is not mine
|
|
Web |
Older American |
|
|
| 02/11/2014 |
Yes |
- Debt collection
- Other (i.e. phone, health club, etc.)
|
- Cont'd attempts collect debt not owed
- Debt resulted from identity theft
|
|
Web |
|
|
|
| 02/10/2014 |
Yes |
- Debt collection
- Other (i.e. phone, health club, etc.)
|
- Cont'd attempts collect debt not owed
- Debt was paid
|
|
Web |
|
|
|
| 02/09/2014 |
Yes |
- Debt collection
- Other (i.e. phone, health club, etc.)
|
- Cont'd attempts collect debt not owed
- Debt is not mine
|
|
Web |
|
|
|
| 02/08/2014 |
Yes |
- Debt collection
- Other (i.e. phone, health club, etc.)
|
- Disclosure verification of debt
- Right to dispute notice not received
|
|
Web |
|
|
|
| 02/06/2014 |
Yes |
- Debt collection
- Other (i.e. phone, health club, etc.)
|
- Cont'd attempts collect debt not owed
- Debt is not mine
|
|
Web |
|
|
|
| 02/06/2014 |
Yes |
- Debt collection
- Other (i.e. phone, health club, etc.)
|
- Cont'd attempts collect debt not owed
- Debt resulted from identity theft
|
|
Web |
|
|
|
| 02/06/2014 |
Yes |
|
- Incorrect information on credit report
- Information is not mine
|
|
Web |
Servicemember |
|
|
| 02/06/2014 |
Yes |
- Debt collection
- Other (i.e. phone, health club, etc.)
|
- Disclosure verification of debt
- Right to dispute notice not received
|
|
Web |
|
|
|
| 02/05/2014 |
Yes |
- Debt collection
- I do not know
|
- Communication tactics
- Frequent or repeated calls
|
|
Web |
|
|
|
| 02/05/2014 |
Yes |
|
- Incorrect information on credit report
- Account terms
|
|
Web |
|
|
|
| 02/04/2014 |
Yes |
- Debt collection
- I do not know
|
- Cont'd attempts collect debt not owed
- Debt is not mine
|
|
Web |
|
|
|
| 02/04/2014 |
Yes |
- Debt collection
- I do not know
|
- Cont'd attempts collect debt not owed
- Debt is not mine
|
|
Phone |
|
|
|
| 02/03/2014 |
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 |
|
|
|
| 02/03/2014 |
Yes |
- Debt collection
- Other (i.e. phone, health club, etc.)
|
- Disclosure verification of debt
- Not given enough info to verify debt
|
|
Web |
|
|
|
| 01/31/2014 |
Yes |
- Debt collection
- I do not know
|
- Communication tactics
- Frequent or repeated calls
|
|
Phone |
Older American |
|
|
| 01/27/2014 |
Yes |
- Debt collection
- I do not know
|
- Cont'd attempts collect debt not owed
- Debt is not mine
|
|
Web |
Older American |
|
|
| 01/27/2014 |
Yes |
- Debt collection
- Other (i.e. phone, health club, etc.)
|
- Communication tactics
- Called outside of 8am-9pm
|
|
Web |
|
|
|
| 01/25/2014 |
Yes |
- Debt collection
- I do not know
|
- Disclosure verification of debt
- Not given enough info to verify debt
|
|
Web |
|
|
|
| 01/22/2014 |
Yes |
- Debt collection
- I do not know
|
- Cont'd attempts collect debt not owed
- Debt is not mine
|
|
Phone |
|
|
|
| 01/20/2014 |
Yes |
- Debt collection
- Other (i.e. phone, health club, etc.)
|
- Disclosure verification of debt
- Not given enough info to verify debt
|
|
Web |
|
|
|
| 01/17/2014 |
Yes |
- Debt collection
- Other (i.e. phone, health club, etc.)
|
- Cont'd attempts collect debt not owed
- Debt is not mine
|
|
Referral |
|
|
|
| 01/17/2014 |
Yes |
- Debt collection
- Other (i.e. phone, health club, etc.)
|
- Cont'd attempts collect debt not owed
- Debt is not mine
|
|
Phone |
|
|
|
| 01/16/2014 |
Yes |
- Debt collection
- I do not know
|
- Disclosure verification of debt
- Not given enough info to verify debt
|
|
Web |
|
|
|
| 01/15/2014 |
Yes |
- Debt collection
- Other (i.e. phone, health club, etc.)
|
- Cont'd attempts collect debt not owed
- Debt is not mine
|
|
Web |
|
|
|
| 01/15/2014 |
Yes |
- Debt collection
- Other (i.e. phone, health club, etc.)
|
- Cont'd attempts collect debt not owed
- Debt is not mine
|
|
Web |
|
|
|
| 01/14/2014 |
Yes |
- Debt collection
- I do not know
|
- Cont'd attempts collect debt not owed
- Debt is not mine
|
|
Web |
|
|
|
| 01/13/2014 |
Yes |
- Debt collection
- I do not know
|
- Improper contact or sharing of info
- Contacted me after I asked not to
|
|
Web |
|
|
|
| 01/13/2014 |
Yes |
- Debt collection
- Other (i.e. phone, health club, etc.)
|
- Cont'd attempts collect debt not owed
- Debt is not mine
|
|
Web |
|
|
|
| 01/13/2014 |
Yes |
- Debt collection
- Other (i.e. phone, health club, etc.)
|
- Cont'd attempts collect debt not owed
- Debt was paid
|
|
Web |
|
|
|
| 01/10/2014 |
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 |
|
|
|
| 01/10/2014 |
Yes |
- Debt collection
- I do not know
|
- Cont'd attempts collect debt not owed
- Debt is not mine
|
|
Web |
Servicemember |
|
|
| 01/10/2014 |
Yes |
- Debt collection
- I do not know
|
- Improper contact or sharing of info
- Talked to a third party about my debt
|
|
Web |
|
|
|
| 01/10/2014 |
Yes |
- Debt collection
- I do not know
|
- Communication tactics
- Frequent or repeated calls
|
|
Web |
|
|
|
| 01/10/2014 |
Yes |
- Debt collection
- Other (i.e. phone, health club, etc.)
|
- Cont'd attempts collect debt not owed
- Debt is not mine
|
|
Phone |
Servicemember |
|
|
| 01/10/2014 |
Yes |
|
- Incorrect information on credit report
- Account terms
|
|
Web |
|
|
|
| 01/10/2014 |
Yes |
- Debt collection
- Other (i.e. phone, health club, etc.)
|
- Cont'd attempts collect debt not owed
- Debt was paid
|
|
Web |
Servicemember |
|
|
| 01/09/2014 |
Yes |
- Debt collection
- Other (i.e. phone, health club, etc.)
|
- Cont'd attempts collect debt not owed
- Debt resulted from identity theft
|
|
Phone |
|
|
|
| 01/07/2014 |
Yes |
- Debt collection
- Other (i.e. phone, health club, etc.)
|
- Cont'd attempts collect debt not owed
- Debt resulted from identity theft
|
|
Phone |
|
|
|
| 01/06/2014 |
Yes |
- Debt collection
- Other (i.e. phone, health club, etc.)
|
- False statements or representation
- Attempted to collect wrong amount
|
|
Web |
|
|
|
| 01/03/2014 |
Yes |
- Debt collection
- Other (i.e. phone, health club, etc.)
|
- Cont'd attempts collect debt not owed
- Debt is not mine
|
|
Phone |
Older American |
|
|
| 12/31/2013 |
Yes |
- Debt collection
- Other (i.e. phone, health club, etc.)
|
- Disclosure verification of debt
- Not disclosed as an attempt to collect
|
|
Web |
|
|
|
| 12/31/2013 |
Yes |
- Debt collection
- Other (i.e. phone, health club, etc.)
|
- False statements or representation
- Impersonated an attorney or official
|
|
Web |
|
|
|
| 12/31/2013 |
Yes |
- Debt collection
- Other (i.e. phone, health club, etc.)
|
- Cont'd attempts collect debt not owed
- Debt was paid
|
|
Web |
|
|
|
| 12/30/2013 |
Yes |
- Debt collection
- Other (i.e. phone, health club, etc.)
|
- Communication tactics
- Threatened to take legal action
|
|
Web |
|
|
|
| 12/23/2013 |
Yes |
- Debt collection
- Other (i.e. phone, health club, etc.)
|
- Cont'd attempts collect debt not owed
- Debt resulted from identity theft
|
|
Phone |
|
|
|
| 12/23/2013 |
Yes |
- Debt collection
- Other (i.e. phone, health club, etc.)
|
- Cont'd attempts collect debt not owed
- Debt is not mine
|
|
Web |
|
|
|
| 12/19/2013 |
Yes |
- Debt collection
- Other (i.e. phone, health club, etc.)
|
- Cont'd attempts collect debt not owed
- Debt resulted from identity theft
|
|
Web |
|
|
|
| 12/17/2013 |
Yes |
- Debt collection
- Other (i.e. phone, health club, etc.)
|
- Cont'd attempts collect debt not owed
- Debt resulted from identity theft
|
|
Referral |
Older American |
|
|
| 12/17/2013 |
Yes |
- Debt collection
- Other (i.e. phone, health club, etc.)
|
- Cont'd attempts collect debt not owed
- Debt resulted from identity theft
|
|
Phone |
|
|
|
| 12/16/2013 |
Yes |
|
- Incorrect information on credit report
- Information is not mine
|
|
Web |
|
|
|
| 12/12/2013 |
Yes |
- Debt collection
- Other (i.e. phone, health club, etc.)
|
- Cont'd attempts collect debt not owed
- Debt is not mine
|
|
Web |
|
|
|
| 12/11/2013 |
Yes |
- Debt collection
- I do not know
|
- Disclosure verification of debt
- Right to dispute notice not received
|
|
Web |
Servicemember |
|
|
| 12/10/2013 |
Yes |
- Debt collection
- I do not know
|
- Cont'd attempts collect debt not owed
- Debt is not mine
|
|
Web |
Servicemember |
|
|
| 12/07/2013 |
Yes |
- Debt collection
- Other (i.e. phone, health club, etc.)
|
- Cont'd attempts collect debt not owed
- Debt resulted from identity theft
|
|
Web |
|
|
|
| 12/06/2013 |
Yes |
- Debt collection
- Other (i.e. phone, health club, etc.)
|
- Cont'd attempts collect debt not owed
- Debt is not mine
|
|
Web |
|
|
|
| 12/06/2013 |
Yes |
- Debt collection
- Other (i.e. phone, health club, etc.)
|
- Communication tactics
- Frequent or repeated calls
|
|
Web |
Servicemember |
|
|
| 12/03/2013 |
Yes |
- Debt collection
- Other (i.e. phone, health club, etc.)
|
- Cont'd attempts collect debt not owed
- Debt was paid
|
|
Web |
Older American |
|
|
| 11/27/2013 |
Yes |
- Debt collection
- Other (i.e. phone, health club, etc.)
|
- Taking/threatening an illegal action
- Sued w/o proper notification of suit
|
|
Web |
|
|
|
| 11/25/2013 |
Yes |
- Debt collection
- I do not know
|
- Cont'd attempts collect debt not owed
- Debt is not mine
|
|
Web |
Older American |
|
|
| 11/21/2013 |
Yes |
- Debt collection
- Other (i.e. phone, health club, etc.)
|
- False statements or representation
- Attempted to collect wrong amount
|
|
Web |
|
|
|
| 11/20/2013 |
Yes |
- Debt collection
- Other (i.e. phone, health club, etc.)
|
- Disclosure verification of debt
- Right to dispute notice not received
|
|
Web |
Servicemember |
|
|
| 11/17/2013 |
Yes |
- Debt collection
- Other (i.e. phone, health club, etc.)
|
- Disclosure verification of debt
- Right to dispute notice not received
|
|
Web |
|
|
|
| 11/16/2013 |
Yes |
- Debt collection
- I do not know
|
- Cont'd attempts collect debt not owed
- Debt was discharged in bankruptcy
|
|
Web |
|
|
|
| 11/14/2013 |
Yes |
- Debt collection
- I do not know
|
- Communication tactics
- Frequent or repeated calls
|
|
Web |
|
|
|
| 11/11/2013 |
Yes |
- Debt collection
- Other (i.e. phone, health club, etc.)
|
- Cont'd attempts collect debt not owed
- Debt is not mine
|
|
Web |
Older American |
|
|
| 11/08/2013 |
Yes |
- Debt collection
- Other (i.e. phone, health club, etc.)
|
- Cont'd attempts collect debt not owed
- Debt was discharged in bankruptcy
|
|
Web |
|
|
|
| 11/05/2013 |
Yes |
- Debt collection
- I do not know
|
- Cont'd attempts collect debt not owed
- Debt is not mine
|
|
Web |
|
|
|
| 11/01/2013 |
Yes |
- Debt collection
- I do not know
|
- Disclosure verification of debt
- Not given enough info to verify debt
|
|
Referral |
|
|
|
| 10/31/2013 |
Yes |
- Debt collection
- I do not know
|
- Cont'd attempts collect debt not owed
- Debt is not mine
|
|
Web |
Older American, Servicemember |
|
|
| 10/31/2013 |
Yes |
- Debt collection
- Other (i.e. phone, health club, etc.)
|
- Disclosure verification of debt
- Not given enough info to verify debt
|
|
Referral |
|
|
|
| 10/31/2013 |
Yes |
- Debt collection
- Other (i.e. phone, health club, etc.)
|
- Cont'd attempts collect debt not owed
- Debt is not mine
|
|
Web |
Older American |
|
|
| 10/30/2013 |
Yes |
- Debt collection
- Other (i.e. phone, health club, etc.)
|
- Cont'd attempts collect debt not owed
- Debt resulted from identity theft
|
|
Web |
|
|
|
| 10/29/2013 |
Yes |
- Debt collection
- I do not know
|
- Cont'd attempts collect debt not owed
- Debt is not mine
|
|
Web |
|
|
|
| 10/29/2013 |
Yes |
- Debt collection
- I do not know
|
- Communication tactics
- Frequent or repeated calls
|
|
Web |
|
|
|
| 10/29/2013 |
Yes |
- Debt collection
- Other (i.e. phone, health club, etc.)
|
- Cont'd attempts collect debt not owed
- Debt is not mine
|
|
Referral |
|
|
|
| 10/28/2013 |
Yes |
- Debt collection
- I do not know
|
- Cont'd attempts collect debt not owed
- Debt is not mine
|
|
Web |
|
|
|
| 10/27/2013 |
Yes |
- Debt collection
- I do not know
|
- Cont'd attempts collect debt not owed
- Debt was discharged in bankruptcy
|
|
Web |
|
|
|
| 10/26/2013 |
Yes |
- Debt collection
- Other (i.e. phone, health club, etc.)
|
- Cont'd attempts collect debt not owed
- Debt is not mine
|
|
Web |
|
|
|
| 10/26/2013 |
Yes |
- Debt collection
- Other (i.e. phone, health club, etc.)
|
- Cont'd attempts collect debt not owed
- Debt was paid
|
|
Web |
|
|
|
| 10/25/2013 |
Yes |
- Debt collection
- I do not know
|
- Cont'd attempts collect debt not owed
- Debt is not mine
|
|
Web |
Servicemember |
|
|
| 10/25/2013 |
Yes |
- Debt collection
- I do not know
|
- Communication tactics
- Frequent or repeated calls
|
|
Web |
|
|
|
| 10/24/2013 |
Yes |
- Debt collection
- I do not know
|
- Cont'd attempts collect debt not owed
- Debt is not mine
|
|
Web |
Servicemember |
|
|
| 10/24/2013 |
Yes |
- Debt collection
- I do not know
|
- Cont'd attempts collect debt not owed
- Debt is not mine
|
|
Web |
|
|
|
| 10/23/2013 |
Yes |
- Debt collection
- I do not know
|
- Cont'd attempts collect debt not owed
- Debt is not mine
|
|
Web |
|
|
|
| 10/23/2013 |
Yes |
- Debt collection
- I do not know
|
- Cont'd attempts collect debt not owed
- Debt is not mine
|
|
Web |
Older American, Servicemember |
|
|
| 10/20/2013 |
Yes |
- Debt collection
- Other (i.e. phone, health club, etc.)
|
- Cont'd attempts collect debt not owed
- Debt is not mine
|
|
Web |
Older American |
|
|
| 10/17/2013 |
Yes |
- Debt collection
- Other (i.e. phone, health club, etc.)
|
- Cont'd attempts collect debt not owed
- Debt is not mine
|
|
Web |
|
|
|
| 10/17/2013 |
Yes |
- Debt collection
- Other (i.e. phone, health club, etc.)
|
- Disclosure verification of debt
- Not given enough info to verify debt
|
|
Web |
Servicemember |
|
|
| 10/07/2013 |
Yes |
- Debt collection
- Other (i.e. phone, health club, etc.)
|
- False statements or representation
- Attempted to collect wrong amount
|
|
Web |
|
|
|
| 10/04/2013 |
Yes |
- Debt collection
- Other (i.e. phone, health club, etc.)
|
- Cont'd attempts collect debt not owed
- Debt is not mine
|
|
Phone |
|
|
|
| 10/01/2013 |
Yes |
- Debt collection
- Other (i.e. phone, health club, etc.)
|
- Cont'd attempts collect debt not owed
- Debt is not mine
|
|
Web |
|
|
|
| 09/27/2013 |
Yes |
- Debt collection
- Credit card
|
- Improper contact or sharing of info
- Talked to a third party about my debt
|
|
Web |
|
|
|
| 09/25/2013 |
Yes |
- Debt collection
- Other (i.e. phone, health club, etc.)
|
- Cont'd attempts collect debt not owed
- Debt is not mine
|
|
Web |
Servicemember |
|
|
| 09/25/2013 |
Yes |
- Debt collection
- Other (i.e. phone, health club, etc.)
|
- Cont'd attempts collect debt not owed
- Debt is not mine
|
|
Web |
|
|
|
| 09/20/2013 |
Yes |
- Debt collection
- Other (i.e. phone, health club, etc.)
|
- Disclosure verification of debt
- Right to dispute notice not received
|
|
Web |
|
|
|
| 09/19/2013 |
Yes |
- Debt collection
- Other (i.e. phone, health club, etc.)
|
- Cont'd attempts collect debt not owed
- Debt was paid
|
|
Web |
|
|
|
| 09/18/2013 |
Yes |
- Debt collection
- I do not know
|
- Cont'd attempts collect debt not owed
- Debt is not mine
|
|
Phone |
Older American |
|
|
| 09/18/2013 |
Yes |
- Debt collection
- Other (i.e. phone, health club, etc.)
|
- Cont'd attempts collect debt not owed
- Debt is not mine
|
|
Web |
Older American |
|
|
| 09/17/2013 |
Yes |
- Debt collection
- Other (i.e. phone, health club, etc.)
|
- Cont'd attempts collect debt not owed
- Debt is not mine
|
|
Phone |
|
|
|
| 09/16/2013 |
Yes |
- Debt collection
- Other (i.e. phone, health club, etc.)
|
- Cont'd attempts collect debt not owed
- Debt is not mine
|
|
Phone |
Servicemember |
|
|
| 09/12/2013 |
Yes |
- Debt collection
- I do not know
|
- Disclosure verification of debt
- Not given enough info to verify debt
|
|
Web |
|
|
|
| 09/11/2013 |
Yes |
- Debt collection
- Credit card
|
- Taking/threatening an illegal action
- Threatened to sue on too old debt
|
|
Web |
|
|
|
| 09/11/2013 |
Yes |
- Debt collection
- I do not know
|
- Communication tactics
- Frequent or repeated calls
|
|
Web |
Older American |
|
|
| 09/09/2013 |
Yes |
- Debt collection
- Other (i.e. phone, health club, etc.)
|
- Communication tactics
- Called after sent written cease of comm
|
|
Web |
Servicemember |
|
|
| 09/07/2013 |
Yes |
- Debt collection
- Other (i.e. phone, health club, etc.)
|
- Cont'd attempts collect debt not owed
- Debt is not mine
|
|
Web |
|
|
|
| 09/06/2013 |
Yes |
- Debt collection
- I do not know
|
- Communication tactics
- Frequent or repeated calls
|
|
Phone |
|
|
|
| 08/31/2013 |
Yes |
- Debt collection
- Other (i.e. phone, health club, etc.)
|
- Cont'd attempts collect debt not owed
- Debt is not mine
|
|
Web |
|
|
|
| 08/26/2013 |
Yes |
- Debt collection
- Other (i.e. phone, health club, etc.)
|
- Cont'd attempts collect debt not owed
- Debt is not mine
|
|
Web |
|
|
|
| 08/17/2013 |
Yes |
- Debt collection
- Other (i.e. phone, health club, etc.)
|
- Cont'd attempts collect debt not owed
- Debt was paid
|
|
Postal mail |
|
|
|
| 08/15/2013 |
Yes |
|
- Cont'd attempts collect debt not owed
- Debt is not mine
|
|
Postal mail |
|
|
|
| 08/15/2013 |
Yes |
- Debt collection
- I do not know
|
- Cont'd attempts collect debt not owed
- Debt is not mine
|
|
Web |
Older American |
|
|
| 08/14/2013 |
Yes |
- Debt collection
- Other (i.e. phone, health club, etc.)
|
- Cont'd attempts collect debt not owed
- Debt was paid
|
|
Web |
|
|
|
| 08/12/2013 |
Yes |
- Debt collection
- Other (i.e. phone, health club, etc.)
|
- Cont'd attempts collect debt not owed
- Debt was paid
|
|
Postal mail |
|
|
|
| 08/06/2013 |
Yes |
- Debt collection
- Other (i.e. phone, health club, etc.)
|
- Communication tactics
- Frequent or repeated calls
|
|
Postal mail |
Older American |
|
|
| 08/03/2013 |
Yes |
- Debt collection
- I do not know
|
- Disclosure verification of debt
- Right to dispute notice not received
|
|
Web |
Servicemember |
|
|
| 07/30/2013 |
Yes |
- Debt collection
- Other (i.e. phone, health club, etc.)
|
- False statements or representation
- Indicated committed crime not paying
|
|
Web |
|
|
|
| 07/29/2013 |
Yes |
- Debt collection
- Other (i.e. phone, health club, etc.)
|
- Cont'd attempts collect debt not owed
- Debt is not mine
|
|
Web |
|
|
|
| 07/24/2013 |
Yes |
- Debt collection
- Other (i.e. phone, health club, etc.)
|
- Disclosure verification of debt
- Right to dispute notice not received
|
|
Postal mail |
|
|
|
| 07/24/2013 |
Yes |
|
- Incorrect information on credit report
- Account status
|
|
Postal mail |
|
|
|
| 07/24/2013 |
Yes |
- Debt collection
- I do not know
|
- Communication tactics
- Frequent or repeated calls
|
|
Web |
Older American |
|
|
| 07/21/2013 |
Yes |
- Debt collection
- I do not know
|
- Disclosure verification of debt
- Right to dispute notice not received
|
|
Web |
|
|
|
| 07/19/2013 |
Yes |
- Debt collection
- Other (i.e. phone, health club, etc.)
|
- Disclosure verification of debt
- Not given enough info to verify debt
|
|
Web |
|
|
|
| 07/17/2013 |
Yes |
- Debt collection
- Other (i.e. phone, health club, etc.)
|
- Disclosure verification of debt
- Right to dispute notice not received
|
|
Web |
|
|
|
| 07/12/2013 |
Yes |
- Debt collection
- Other (i.e. phone, health club, etc.)
|
- Cont'd attempts collect debt not owed
- Debt is not mine
|
|
Web |
|
|
|