Strategic Alliances, Inc. CFPB Complaints

2000 Latest Complaints

Date Received	Timely Response	Product	Issue	State / Zip	Submitted Via	Tags
03/16/2022	Yes	Debt collection Credit card debt	Took or threatened to take negative or legal action Sued you without properly notifying you of lawsuit	FL 33018	Web
I am a federally protected consumer am making a complaint against FIRST PORTFOLIO VENTURES, I, LLC, for committing identity theft. I have never given FIRST PORTFOLIO VENTURES, I, LLC, any permission to use any of my identifying information to commit mail fraud by contacting me about an alleged debt they claim I owe. I am legally refusing to pay this alleged debt pursuant to 1692c ( c ). I am demanding a cease and desist of all illegal activity, any communication and collection activity, of this and any alleged debts until FIRST PORTFOLIO VENTURES, I, LLC, can provide me with sufficient documentary evidence that I have any legal obligation to pay them. I advised them that their claim is disputed and validation and proof of claim of the disputed debt is requested in accordance with the Fair Debt Collection Practices Act, 15 USC 1692 and as amended by adding the following new Title 8 USC 802 et seq., and the Fair Credit Billing Act. 15 USC 1666 et seq. All of which work in conjunction with each other, including the Truth in Lending Act ( TILA ) 15 USC 1601 et seq. I choose to respond point for point to what I allege is in fact, an initial invitation to contract with FIRST PORTFOLIO VENTURES, I, LLC. They utilized the United States Postal Service in regard to the payment of an alleged debt. Violation of 15 USC 1692 ( a ), ( d ), ( e ). FIRST PORTFOLIO VENTURES, I, LLC. /Principals is a debt collector, subject to the Fair Debt Collection Practices Act, under 15 U. S. C. 1692 a ( 2 ), ( 5 ). I am in good faith requesting DEBT VALIDATION and PROOF OF CLAIM made pursuant to the above-named Titles and Sections. I demand that their offices provide Claimant with competent evidence as per the attached Declaration and Proof of Claim that I have any legal obligation to pay them the unsubstantiated alleged debt.1. Failure to provide any documentation regarding but not limited to tradelines, security ; guarantee agreements, tax forms, insurance notes, bonds or any other record that will prove in addition to a written declaration by a live witness with first-hand knowledge of the origin of this alleged debt. 1 ( a ) A Financial instrument in the form of a remittance in conjunction with a bank identification number ( XXXX ) has been officially furnished and delivered to me on the witness account of the United States Postal Services. This fraudulent bank account has been accruing interest and benefiting another [ FIRST PORTFOLIO VENTURES, I, LLC ] AND not the true beneficiary. Furthermore, this dividend has been disguised as an EXTORTION DEMAND in the form of a DEBT STATEMENT, subject to fines and imprisonment pursuant to Title 18 USC, chapter 31 CRIMINAL PENALTIES FOR EXTORTION AND EMBEZZLEMENT. 2. Failure to provide any documentation or proof in the initial communication received, as to who purchased ANY LOANS under ANY note bearing my name and personal identifying information. Therefore, I am disputing the entire balance claimed in the DEBT STATEMENT and further demand that FIRST PORTFOLIO VENTURES, I, LLC, provide me with the following : ( a ) Proof of all indebtedness, including copies of any alleged loan paperwork in your possession, on which you base your alleged claim of default ; ( b ) Proof of the entire chain of custody of any promissory note claimed to be collected for, including but not limited to, copies of any guarantee, security agreements. Contracts for the alleged debt contained within the initial communications ; ( c ) A full accounting of ALL sums due that have been applied to this alleged loan balance. Including correspondence showing the payout dates of these alleged policies. ( d ) If this loan was securitized, along with ANY other loans, please provide the name of the trust and location of its trustee, including the full contact information and telephone number ; ( e ) Provide the exact location of the purported loan documents, autographed by me with wet ink, and any and all FULL MATERIAL DISCLOSURES of how this DEFAULT LOAN/DEBT came into existence. ( f ) Provide any and all copies of any and all loan documents, tax forms, balance sheets and any documents in any type of medium such as but not limited to electronic records and tangible forms you have in your possession, bearing my legitimate autograph. ( g ) Verification of your claim against me ( a sworn affidavit or a hand signed invoice in accordance with The Bills of Exchange Act ( 1882 ) ) ; Uniform Commerical Codes, Federal Fair Credit Reporting Act, and Florida State Statutes for Lawful Purposes ( h ) A copy of the contract signed by both parties and therefore binding both parties. ( i ) original ledger and/or authenticated records. A true and certified copy ( NOT photocopy ) of the Original Note ( Credit Agreement ), under penalty of perjury and with unlimited liability and confirm that this Note, has never been sold. UCC 9-210. REQUEST FOR ACCOUNTING ; REQUEST REGARDING LIST OF COLLATERAL OR STATEMENT OF ACCOUNT ( a ) DEFINITIONS ( 2 ) request for an accounting means a record authenticated by a debtor requesting that the recipient provide an accounting of the unpaid obligations secured by collateral and reasonably identifying the transaction or relationship that is the subject of the request UCC 9-210 ( 7 ) authenticate means : ( a ) to sign ; or ( b ) with present intent to adopt or accept a record, to attach to or logically associate with the record an electronic sound, symbol, or process UCC 9-210 ( 70 ) Record, except as used in for record, of record, record or legal title, and record owner, means information that is inscribed on a tangible medium and is retrievable in perceivable form Rule 1002. Requirement of the Original An original writing, recording, or photograph is required in order to prove its content unless these rules or a federal statute provides otherwise. This organization has attempted to sue me when they do not have permission nor my consent. FIRST PORTFOLIO VENTURES, I, LLC is in direct violation of 15 U.S. Code 1692i ( b ), which states nothing in this subchapter shall be construed to authorize the bringing of legal actions by debt collectors. Also take notice that this organization is in violation of 15 U.S. Code 1692b ( 2 ) which states that you may not state that I a consumer owes any debt. FIRST PORTFOLIO VENTURES, I, LLC failed to attach the signed credit card application, request or agreement allegedly executed by Defendant in violation of Rule 7.050, Fla.Sm.Cl.R. Instead it attached a generic customer agreement, which does not state the Defendants name, is not signed by her, is not dated, and bears no discernible relation to the Defendant. Even though it is titled an agreement, there is nothing indicating that anyone, let alone the Defendant, has agreed to it. This is insufficient documentation. Capital One Bank , Inc. v. Mary B. Livingston , County Court, Florida Fourth Judicial District, XXXX XXXX, Florida, signed XX/XX/XXXX, the Honorable XXXX XXXX XXXX. 18 USC 1341 Frauds and swindles Whoever, having devised or intending to devise any scheme or artifice to defraud, or for obtaining money or property by means of false or fraudulent pretenses, representations, or promises, or to sell, dispose of, loan, exchange, alter, give away, distribute, supply, or furnish or procure for unlawful use any counterfeit or spurious coin, obligation, security, or other article, or anything represented to be or intimated or held out to be such counterfeit or spurious article, for the purpose of executing such scheme or artifice or attempting so to do, places in any post office or authorized depository for mail matter, any matter or thing whatever to be sent or delivered by the Postal Service, or deposits or causes to be deposited any matter or thing whatever to be sent or delivered by any private or commercial interstate carrier, or takes or receives therefrom, any such matter or thing, or knowingly causes to be delivered by mail or such carrier according to the direction thereon, or at the place at which it is directed to be delivered by the person to whom it is addressed, any such matter or thing, shall be fined under this title or imprisoned not more than 20 years, or both. If the violation occurs in relation to, or involving any benefit authorized, transported, transmitted, transferred, disbursed, or paid in connection with, a presidentially declared major disaster or emergency ( as those terms are defined in section 102 of the Robert T. Stafford Disaster Relief and Emergency Assistance Act ( 42 U.S.C. 5122 ) ), or affects a financial institution, such person shall be fined not more than {>= $1,000,000} or imprisoned not more than 30 years, or both. Be further advised that I am not limiting or waiving any rights or remedies I may now or hereafter have, whether arising under your purported loan documents at law or in equity, all of which rights and remedies I am expressly reserving. I hereby give them five ( 5 ) days to reply to this notice from the above date with a notice sent using recorded post and signed under full commercial liability and penalties of perjury, assuring and promising me that all of the replies and details given to the above requests are true and without deception, fraud or mischief. Their attorney ( XXXX XXXX XXXX ) has already received ( certified mail # XXXX XXXX XXXX XXXX XXXX ) a conditional agreement on XX/XX/XXXX which they have yet to reply and submit proof of this alleged debt, therefore, will not entitle them to 30 days, as this is beyond that time and forfeited. Please Note : I wish to deal with this matter in writing and I do not give your organization permission to contact me by telephone. If their offices attempt telephone communication with me including but not limited to computer generated calls and calls or correspondence sent to or with any third parties, it will be considered harassment and I may take action under Section 1 of the Protection from Harassment Act 1997 and the Administrati on of Justice Act 1970 S.40, which makes it a Criminal Offence for a creditor or a creditor 's agent to make demands ( for money ), which are aimed at causing 'alarm, distress or humiliation ', because of their frequency. All future communications with me MUST be done in writing and sent to my place of dwelling shown in this letter by the United States Postal Service as a witness. If this documentary evidence can not be produced and FIRST PORTFOLIO VENTURES, I, LLC, continues its collection efforts, I will file for litigation for actual damages caused and FIRST PORTFOLIO VENTURES, I, LLC, will be held criminally liable for aggravated identity theft pursuant to 18 USC 1028A, extortion, theft by deception, securities fraud, and mail fraud. Upon the receipt of the documents herein and of this notice, you are hereby notified Pursuant UCC 1-202f.
08/08/2019	Yes	Debt collection Medical debt	Communication tactics You told them to stop contacting you, but they keep trying	MA 019XX	Web	Servicemember
XXXX XXXX services a medical debt from First Financial. Not only did I not receive any statement regarding this bill, but I received misinformation and was not treated fairly. I was offered a 20 % settlement off of the XXXX, but was quoted a different amount. I let the representative know that the amount I was quoted which was around, XXXX was not 20 % of the balance. She then said she would put me down as a refusal to pay. I complained and said in collections theres a difference between a refusal to pay and an inability to pay and I was unable to make payments. I let her know my situation and my consideration to file bankruptcy. I also let the representative know I live in Massachusetts and per regulation, I shouldnt be receiving frequent calls or calls outside of appropriate call times. I continue to receive calls late at night passed XXXX. This agency outsources to a callcenter in XXXX, which has been my primary communication. I let them know I later retained an attorney and am in the process to file a Ch XXXX. Yesterday I got a call at XXXX XXXX from the same XXXX number that had called me previously where the rep identified themselves as unison. Today I called to speak to a manager and she insisted there was a cease and desist on my account. I told her I know it was her company because the XXXX location calls me from a XXXX number and I dont receive collection calls except from that number. The representative prior to me speaking to the manager informed me that XXXX follows a different protocol and he has no knowledge of how they conduct their practices. I asked the manager how she knows it wasnt XXXX placing the calls, and she said because its time stamped. So I asked her why I was getting calls from the same XXXX number. She said it wasnt her company and continued to yell at me because XXXX documents their call stamps. So I asked if their XXXX location uses an automated dialer of which it would document the account for the rep or if the rep manually places the call, she said she doesnt know the back end of their practices. I asked for the address so I can include it in my bankruptcy petition and was told they couldnt give it out to me, but that if I type XXXX incorporated into XXXX, Ill be able to find it. After not being able to find the address, I call XXXX XXXX again. The representative asks me why I needed the address. I told her I was filing a chapter XXXX bankruptcy and already have an attorney and that I need the amount due, name of creditors and the address for my bankruptcy. The representative asked me why I was filing a chapter XXXX, I then asked her why would she need to know and why was it relevant? This representative hangs up on me. So I call back, I repeat my introduction and tell the representative I am filing bankruptcy and need the companys address for my petition. She asked me why I didnt want to resolve the debt, I told her the debt would be resolved in a chapter XXXX, she then tried to overcome my objection and I told her I already retained an attorney and need the address. In the middle of giving me the address, she places me on hold and transfers me to a manager without telling me she was transferring me to a manager. I asked the manager if she was the same individual I spoke with before. She said no. She continued the call with offering me settlements after already being notified several times even through previous calls that I have an attorney. I told her I was having trouble locating the company because they identify as XXXX and I cant locate a business entity that practices collections under that name. She insisted they are legitimate and gave me their website. According to their website, they identify as XXXX XXXX, not XXXX XXXX every representative pronounces the company as XXXX not XXXX. I let her know not only do I need an address but I want to file a complaint based on my experience with them. She then proceeded to tell me theres a cease and desist on my account and theres no way I could have calls, but when I tried asking about their XXXX location because thats where I get these calls, she refused to address the issue and cut me off and said that because I retained and attorney she was going to terminate the call and told me she didnt grant me permission to record the call right before hanging up on me. Ive been working in collections for several years, and not once have I worked for a company that conducts their business the way XXXX XXXX conducts their business. I urge the CFPB to investigate the company and their outsourced call center because I believe they are in violation of the FDCPA as well. My concerns werent documented and the managers either yelled at me or talked over me and then terminated the calls. The previous agents call me from a XXXX number consistently and when I return the call its a number that doesnt go through unless I answer while it calls. They dont identify themselves as the appropriate XXXX XXXX and instead pronounced it differently which is highly misleading. Additionally, they offer settlements and quote different amounts to the percentage initially quoted and then back pedal. There was also one call I had with a representative where the mini Miranda was not read to me.
03/24/2022	Yes	Debt collection Credit card debt	Attempts to collect debt not owed Debt was result of identity theft	FL 33018	Web
I am a federally protected consumer making this complaint against FIRST PORTFOLIO VENTURES I, LLC, for violating 15 USC 1692e, 15 USC 1692f ( 7 ), 15 USC 1692g ( b ), 15 USC 1692g ( c ), and 15 USC 1692g ( d ). I do not reside at the address this suit ( Case # XXXX XXXXXXXX ) was served. I was not aware about this alleged debt until XX/XX/XXXX, in which I immediately sent an answer to the court denying and requesting validation of the alleged debt. There is no statute of limitation on fraud! I never contracted with them and they have no reason to have my identifying information! I have not received any proof pursuant to 15 USC 1692f ( 1 ) that they can collect from me, that they even own the debt, or that there was an agreement that expressly authorizes this debt collection agency to collect on an alleged debt which is a violation of the FDCPA. I sent a letter demanding validation to their attorneys on XX/XX/2022 ( cert mail : XXXX XXXX XXXX XXXX XXXX ) and a follow up on XX/XX/2022 to FIRST PORTFOLIO VENTURES I, LLC since their attorneys never responded ( cert mail : XXXX ). I have never given them prior consent to contact me which is a violation of 15 USC 1692c. They continue to invade my individual privacy by committing abusive, deceptive, and unfair debt collection practices. This fraudulent account XXXX is blatantly illegal under federal law! I have not received any documentary evidence, such as a trilateral contract, giving them any right to collect on this alleged debt. Identity theft is demonstrated by their failure to prove this. It is my belief that FIRST PORTFOLIO VENTURES I, LLC, along with their attorney, XXXX XXXX XXXX XXXX, are attempting unlawful extortionate activities and theft by deception by attempting to furnish false and deceptive forms. If they can not provide me with proof such as a tracking number that they attempted to lawfully validate this alleged debt with me, the consumer, prior to furnishing it on my consumer report, this has been a fraudulently furnished account with forethought and malice as an attempt to bring harm to me and my financial reputation. I am legally refusing to pay this debt pursuant to 1692c ( c ). I am demanding a cease and desist of all illegal activity, any communication and collection activity, of this and any alleged debts until FIRST PORTFOLIO VENTURES I, LLC, can provide me with sufficient documentary evidence, such as a trilateral contract, that I have any legal obligation to pay them. If this documentary evidence can not be produced and FIRST PORTFOLIO VENTURES I, LLC, continues its collection efforts, I will file for litigation for actual damages caused and FIRST PORTFOLIO VENTURES I, LLC, and XXXX XXXX XXXX XXXX, will be held criminally liable for aggravated identity theft pursuant to 18 USC 1028A, extortion, theft by deception, securities fraud, and mail fraud. Notice, it is a fact, affiant alleges in accordance with 28 U.S. Code 3002 ( 1 ) ( B ) FIRST PORTFOLIO VENTURES I, LLC is not a US attorney, an assistant or designated to act on behalf of the US attorney, or an attorney or the US Dept. of Justice or a Federal agency with litigation authority, which means the head of agency with any accompanied private attorney must have a contract made in accordance with section 3718 of title 31 to conduct any litigation or collection of debts pursuant to 18 USC 8 on behalf of the United States and otherwise would have no rights to collect. This company has committed aggravated identity theft 18 usc 1028A. Whoever, during and in relation to any felony violation enumerated in subsection ( c ), knowingly transfers, possesses, or uses, without lawful authority, a means of identification of another person shall, in addition to the punishment provided for such felony, be sentenced to a term of imprisonment of 2 years. ( 2 ) XXXX offense. Whoever, during and in relation to any felony violation enumerated in section 2332b ( g ) ( 5 ) ( B ), knowingly transfers, possesses, or uses, without lawful authority, a means of identification of another person or a false identification document shall, in addition to the punishment provided for such felony, be sentenced to a term of imprisonment of 5 years. Also see, 18 USC 1341 Frauds and Swindles. Violation of USC Title 18 Part 1 Chapter 63 1341 ( mail fraud ). In accordance with Article 9, the assignment of a detailed note is illegal and the assignee and the assigned shall both be held liable for violations under 15 USC 1692 e ( 12 ). I have not given you permission to access my credit profile and you have no permissible purpose by law to contact third parties with my private or personal information.
10/16/2023	Yes	Debt collection Other debt	Took or threatened to take negative or legal action Threatened to arrest you or take you to jail if you do not pay	FL 32792	Web
Dear First Financial Asset, I am responding to your contact about a debt you are trying to collect. You put on my credit that I owe you a debt. Please supply the information below so that I can be fully informed : Why you think I owe the debt and to whom I owe it, including : Is your license still active and valid because i did not locate it at : https : //dfpi.ca.gov/debt-collection-licensee/debt-collectors/ The name and address of the creditor to whom the debt is currently owed, the account number used by that creditor, and the amount owed. If this debt started with a different creditor, provide the name and address of the original creditor, the account number used by that creditor, and the amount owed to that creditor at the time it was transferred. When you identify the original creditor, please provide any other name by which I might know them, if that is different from the official name. In addition, tell me when the current creditor obtained the debt and who the current creditor obtained it from. Provide verification and documentation that there is a valid basis for claiming that I am required to pay the debt to the current creditor. For example, can you provide a copy of the written agreement that created my original requirement to pay? If you are asking that I pay a debt that somebody else is or was required to pay, identify that person. Provide verification and documentation about why this is a debt that I am required to pay. The amount and age of the debt, including : A copy of the last billing statement sent to me by the original creditor. State the amount of the debt when you obtained it, and when that was. If there have been any additional interest, fees or charges added since the last billing statement from the original creditor, provide an itemization showing the dates and amount of each added amount. In addition, explain how the added interest, fees or other charges are expressly authorized by the agreement creating the debt or are permitted by law. If there have been any payments or other reductions since the last billing statement from the original creditor, provide an itemization showing the dates and amount of each of them. If there have been any other changes or adjustments since the last billing statement from the original creditor, please provide full verification and documentation of the amount you are trying to collect. Explain how that amount was calculated. In addition, explain how the other changes or adjustments are expressly authorized by the agreement creating the debt or permitted by law. Tell me when the creditor claims this debt became due and when it became delinquent. Identify the date of the last payment made on this account. Have you made a determination that this debt is within the statute of limitations applicable to it? Tell me when you think the statute of limitations expires for this debt, and how you determined that. Details about your authority to collect this debt. I would like more information about your firm before I discuss the debt with you. Does your firm have a debt collection license from my state? If not, say why not. If so, provide the date of the license, the name on the license, the license number, and the name, address and telephone number of the state agency issuing the license. If you are contacting me from a place outside my state, does your firm have a debt collection license from that place? If so, provide the date of the license, the name on the license, the license number, and the name, address and telephone number of the state agency issuing the license. I have asked for this information because I have some questions. I need to hear from you to make an informed decision about your claim that I owe this money. I am open to communicating with you for this purpose. In order to make sure that I am not put at any disadvantage, in the meantime please treat this debt as being in dispute and under discussion between us. In addition to providing the information requested above, please let me know whether you are prepared to accept less than the balance you are claiming is owed. If so, please tell me in writing your offer with the amount you will accept to fully resolve the account. Thank you for your cooperation. Sincerely, XXXX XXXX
06/27/2020	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt is not yours	GA 30033	Web	Servicemember
XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, GA XXXX FIRST FINANCIAL ASSET XXXX XXXX XXXX XXXX XXXX XXXX XXXX GA XXXX ( XXXX ) XXXX RE : Account # XXXX To Whom It May Concern : I have previously sent you a request to validate my debt under the Fair Debt Collection Practices Act and all I received was an itemized list of the alleged charges you claim I owe you. This does not meet the Federal Trade Commissions guidelines of what constitutes proper debt validation In addition, in the case of Spears Vs. Brennan ( IN THE COURT OF APPEALS OF INDIANA, No. 49A02-0003-CV-169 ), the court ruled that : 15 U.S.C. 1692g ( b ) ( emphasis added ). On XX/XX/1996, nineteen days after the date of XXXX debt collection letter, XXXX counsel XXXX sent XXXX a letter declaring that XXXX disputes your debt collection-related allegations, denies the same, and demands strict proof and verification thereof. Record at 21. As such, XXXX should have ceased his debt collection efforts immediately upon receiving that letter. Instead, XXXX proceeded to obtain a default judgment against XXXX on the debt collection claim before he had mailed XXXX the necessary verification and, thus, violated 15 U.S.C. 1692g ( b ). XXXX maintains, however, that there was no violation of the FDCPA because he sent adequate verification of the debt [ to XXXX ] in the XX/XX/1996 notice of claim. Brief of Appellee at 13. Specifically, XXXX claims that a copy of the consumer credit contract between XXXX and XXXX XXXX attached to the notice of claim provided sufficient verification of the debt within the meaning of 15 U.S.C. 1692g ( b ). We can not agree. The contract in no way provides sufficient verification of the debt. A review of the document reveals that it identifies only the terms of XXXX loan, including a 17.99 % annual interest rate and the original loan amount of {$2500.00}. The loan agreement contains no accounting of any payments made by XXXX, the dates on which those payments were made, the interest which had accrued, or any late fees which had been assessed once XXXX stopped making the required payments. Indeed, the existing unpaid contract balance at the time XXXX sent the debt collection notice was at least {$350.00} more than the original loan amount. Therefore, XXXX violated 15 U.S.C. 1692g ( b ) when he failed to cease collection of the debt by obtaining a default judgment against XXXX after XXXX had notified XXXX in writing that he was disputing the debt but before XXXX had mailed verification of the debt to XXXX. We reverse the trial courts entry of summary judgment in favor of XXXX on this issue. I notice that you are still reporting this collection on my credit report, which is considered to be a collection activity. You are now in violation of the FCPDA, and are now subject to fines of {$1000.00}, plus actual damages and attorneys fees, which I may collect from you by filing a claim in small claims court. These collections on my credit report are causing me severe problems in trying to purchase a home and the damage could lead into the $ XXXX. You should also be aware that reporting such invalidated information to major credit bureaus might constitute defamation of character, as the negative marks on my credit report harm my credit and prevent me from enjoying all the benefits of good credit. In addition, the Fair Credit Reporting Act ( FCRA ) does not allow the inaccurate reporting of information on my credit report and under this act. Therefore, if you do not immediately remove this account from my credit report, you are subject to another {$1000.00} fine, plus punitive damages. I'm sure your legal staff will agree that non-compliance with this request could put your company in serious legal trouble with the FTC and other state or federal agencies. I intend to follow through with the suit if I do not hear back from you within 15 days. I look forward to hearing from you, Best Regards, XXXX XXXX XXXX
02/06/2017	Yes	Debt collection Other (i.e. phone, health club, etc.)	Cont'd attempts collect debt not owed Debt was paid	GA 30253	Web	Servicemember
On XX/XX/XXXX I received a message from a creditor that my credit score had dropped significantly. I had already been pre-approved to purchase a new home & expected to close by XX/XX/XXXX. I panicked b/c I did not understand how a credit score that i had protected so well since approval had dropped right before buying a home. i pulled my credit report & found that there was a new medical debt added as " past due. '' I contacted the collection agency 1st Financial Investment Fund & inquired about the debt. When I heard the name of the hospital I told them that I had satisfied all debts w/ this hospital- XXXX in XX/XX/XXXX & XX/XX/XXXX. I explained that through negotiation I spent over $ XXXX to settle all outstanding medical collections, only to find that some were duplicates that i had paid. The collection agent was very rude, aggressive, dismissive & stated, " that 's not my problem ; you owe the debt. '' I asked how to have it removed & she explained that they were a secondary company hired to collect the debt and the corporate office was at another location. I called the corporate office & spoke to a supervisor named " XXXX. '' She was ruder, nasty, dismissive and stated, " even if you pay the debt, we are not removing it from your credit report. I will explain why & I 'm tired of saying the same thing to everyone who calls. We do n't allow anyone to pay as an agreement to delete b/c that 's the only reason some people pay, to help their credit. '' I asked if this was their policy or the law. She stated, " It is our policy and the law. '' I went further to tell her that I had made a payment ( not realizing this was an account I had already paid ) in XX/XX/XXXX and a few days later they reported me to the credit bureau as " past due. '' She claimed I owed an " additional XXXX accounts '' for XXXX which were all the same amounts I have listed on the sheet I used as a record the day XXXX paid off all medical bills. She said, " we buy accounts from XXXX. '' She was unreasonable & asked, " what evidence do you have that you paid? If it 's just your bank statements then that 's not enough. I need a letter stating that you made a payment. '' I expressed that unless they send out letters I did not have XXXX. I had already gone to XXXX XXXX in XX/XX/XXXX requesting documentation and itemization of these erroneous bills. According to the prior collection agency, the hospital claimed that I had been a patient at their hospital almost XXXX month in XX/XX/XXXX & several in XX/XX/XXXX. I KNEW that was not true as I had only been in Georgia since late XX/XX/XXXX & had only been to that hospital perhaps 4 times including a short hospitalization in XX/XX/XXXX After I spoke with XXXX @ XXXX Financial Investment I called XXXX XXXX 's billing department & to date they refuse to return my calls. I never received itemized bills from them. I was told they had 'no access to those dates. '' I paid an excess of $ XXXX in settlements to XXXX & hundreds to another collection agency per their records. In XX/XX/XXXX/XX/XX/XXXX I sat on my couch and paid over $ XXXX to satisfy all outstanding medical debts. I learned my debts had been repeatedly sold to many XXXX. Due to this recent report by XXXX XXXX, I disputed the account. They replied w/i 2 days that it was accurate. I called XXXX XXXX & over the course of 3 days I spoke to XXXX different individuals & they gave me substantial amounts that i paid, but said they were having trouble accessing " all of them because they are old archives. '' Each employee gave me several accounts, & the last told me as did the others that i settled on all accounts & when I totaled the accounts it was near {$3000.00}. XXXX XXXX XXXX as the creditor. I now am no longer qualified to buy a home due to the hit my score took when they erroneously reported a debt I paid from services XXXX ago.
03/10/2020	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt is not yours	GA 30518	Web	Servicemember
XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX XX/XX/20 FIRST FINANCIAL ASSET /XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX , GA XXXX ( XXXX ) XXXX RE : Collection accountS : XXXX ( {$390.00} ) ; XXXX ( {$270.00} ) To Whom It May Concern : This letter is being sent to you in response to notices sent to me from your company and more importantly, due to your erroneous reporting to the Credit Bureau { s }, the highly negative impact on my personal credit report. Please be advised that this is not a refusal to pay, but a notice sent pursuant to the Fair Debt Collection Practices Act, 15 USC 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 that I have any legal obligation to pay you. 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 papers that show I agreed to pay what you say I owe : Provide a verification or copy of any judgment if applicable : Identify the original creditor : Prove the Statute of Limitations has not expired on this account : Show me the you are licensed to collect in my state : Provide me with your license numbers and Registered Agent or Agent of Service : At this time, I will also inform you that if your offices have reported invalidated information to any of the 3 major Credit Bureaus { XXXX, XXXX or XXXX } this action might constitute fraud under both Federal and State Laws. Due to this fact, if any negative mark is found on any of my credit reports by your company or the company that you represent, I will not hesitate to bring legal action against you for the following : Violation of the Fair Credit Reporting Act Violation of the Fair Debt Collection Practices Act Defamation of Character If your offices can provide proper documentation as requested in the following Declaration, I will require at least 30 days to investigate this information and during such time all collection activity must cease and desist. Also, during this validation period, if any action is taken which could be considered detrimental to any of my credit reports, I will consult with my legal counsel for suit. This includes listing any information with a credit reporting repository that couldA be inaccurate or invalidated or verifying an account as accurate, when in fact there is no provided proof that it is accurate. If your company fails to respond to this validation request within 30 days from the date of your receipt, all references to this account must be deleted and completely removed from my credit report and a copy of such deletion { to any/all of the 3 major credit reporting bureaus : XXXX, XXXX and XXXX } request shall be sent to me immediately. I would also like to request, in writing, that no telephone contact be made by your company to my home or my place of employment. If your offices attempt telephone communication with me, including but not limited to computer generated calls and calls or correspondence sent to or with any third parties, it will be considered harassment and I will have no choice but to file suit. All future communications with me MUST be done in writing and sent to the address noted in this letter by USPS. It would be advisable that you assure your records are in order before I am forced to take legal action against your company and your client. This is an attempt to correct your records, any information obtained shall be used for that purpose. Remove these accounts from my credit report, do not call me on the phone, only contact me by mail or via CFPB portal. Best Regards, XXXX XXXX
05/06/2020	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt is not yours	GA 30504	Web	Servicemember
XXXX XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX FIRST FINANCIAL ASSET XXXX XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX ( XXXX ) XXXX RE : AccountS # XXXX ; XXXX ; XXXX ; XXXX ; XXXX To Whom It May Concern : This letter is being sent to you in response to notices sent to me from your company and more importantly, due to your erroneous reporting to the Credit Bureau { s }, the highly negative impact on my personal credit report. Please be advised that this is not a refusal to pay, but a notice sent pursuant to the Fair Debt Collection Practices Act, 15 USC 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 that I have any legal obligation to pay you. 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 papers that show I agreed to pay what you say I owe : Provide a verification or copy of any judgment if applicable : Identify the original creditor : Prove the Statute of Limitations has not expired on this account : Show me the you are licensed to collect in my state : Provide me with your license numbers and Registered Agent or Agent of Service : At this time, I will also inform you that if your offices have reported invalidated information to any of the 3 major Credit Bureaus { XXXX, XXXX or XXXX } this action might constitute fraud under both Federal and State Laws. Due to this fact, if any negative mark is found on any of my credit reports by your company or the company that you represent, I will not hesitate to bring legal action against you for the following : Violation of the Fair Credit Reporting Act Violation of the Fair Debt Collection Practices Act Defamation of Character If your offices can provide proper documentation as requested in the following Declaration, I will require at least 30 days to investigate this information and during such time all collection activity must cease and desist. Also, during this validation period, if any action is taken which could be considered detrimental to any of my credit reports, I will consult with my legal counsel for suit. This includes listing any information with a credit reporting repository that could be inaccurate or invalidated or verifying an account as accurate, when in fact there is no provided proof that it is accurate. If your company fails to respond to this validation request within 30 days from the date of your receipt, all references to this account must be deleted and completely removed from my credit report and a copy of such deletion { to any/all of the 3 major credit reporting bureaus : XXXX, XXXX and XXXX } request shall be sent to me immediately. I would also like to request, in writing, that no telephone contact be made by your company to my home or my place of employment. If your offices attempt telephone communication with me, including but not limited to computer generated calls and calls or correspondence sent to or with any third parties, it will be considered harassment and I will have no choice but to file suit. All future communications with me MUST be done in writing and sent to the address noted in this letter by USPS. It would be advisable that you assure your records are in order before I am forced to take legal action against your company and your client. This is an attempt to correct your records, any information obtained shall be used for that purpose. Best Regards, XXXX XXXX Please remove this account from my credit and do not contact me by phone only contact me by mail or by CFPB portal.
11/17/2020	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt is not yours	GA 30542	Web	Servicemember
XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX FirST FINANCIAL MANAGEMET XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XX/XX/XXXX XXXX ( XXXX ) XXXX RE : Account # XXXX To Whom It May Concern : This letter is being sent to you in response to notices sent to me from your company and more importantly, due to your erroneous reporting to the Credit Bureau { s }, the highly negative impact on my personal credit report. Please be advised that this is not a refusal to pay, but a notice sent pursuant to the Fair Debt Collection Practices Act, 15 USC 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 that I have any legal obligation to pay you. 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 papers that show I agreed to pay what you say I owe : Provide a verification or copy of any judgment if applicable : Identify the original creditor : Prove the Statute of Limitations has not expired on this account : Show me the you are licensed to collect in my state : Provide me with your license numbers and Registered Agent or Agent of Service : At this time, I will also inform you that if your offices have reported invalidated information to any of the 3 major Credit Bureaus XX/XX/XXXX or XX/XX/XXXX 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 the company that you represent, I will not hesitate to bring legal action against you for the following : Violation of the Fair Credit Reporting Act Violation of the Fair Debt Collection Practices Act Defamation of Character If your offices can provide proper documentation as requested in the following Declaration, I will require at least 30 days to investigate this information and during such time all collection activity must cease and desist. Also, during this validation period, if any action is taken which could be considered detrimental to any of my credit reports, I will consult with my legal counsel for suit. This includes listing any information with a credit reporting repository that could be inaccurate or invalidated or verifying an account as accurate, when in fact there is no provided proof that it is accurate. If your company fails to respond to this validation request within 30 days from the date of your receipt, all references to this account must be deleted and completely removed from my credit report and a copy of such deletion { to any/all of the 3 major credit reporting bureaus :XX/XX/XXXX and XX/XX/XXXX XXXX request shall be sent to me immediately. I would also like to request, in writing, that no telephone contact be made by your company to my home or my place of employment. If your offices attempt telephone communication with me, including but not limited to computer generated calls and calls or correspondence sent to or with any third parties, it will be considered harassment and I will have no choice but to file suit. All future communications with me MUST be done in writing and sent to the address noted in this letter by USPS. It would be advisable that you assure your records are in order before I am forced to take legal action against your company and your client. This is an attempt to correct your records, any information obtained shall be used for that purpose. Best Regards, XXXX XXXX XXXX Please remove this account from my credit and do not contact me by phone only contact me by mail or by CFPB portal.
03/09/2020	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt is not yours	GA 30127	Web	Servicemember
XXXX XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX FIRST FINANCIAL ASSET XXXX XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX ( XXXX ) XXXX XXXX : Collection account : XXXX {$100.00} To Whom It May Concern : This letter is being sent to you in response to notices sent to me from your company and more importantly, due to your erroneous reporting to the Credit Bureau { s }, the highly negative impact on my personal credit report. Please be advised that this is not a refusal to pay, but a notice sent pursuant to the Fair Debt Collection Practices Act, 15 USC 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 that I have any legal obligation to pay you. 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 papers that show I agreed to pay what you say I owe : Provide a verification or copy of any judgment if applicable : Identify the original creditor : Prove the Statute of Limitations has not expired on this account : Show me the you are licensed to collect in my state : Provide me with your license numbers and Registered Agent or Agent of Service : At this time, I will also inform you that if your offices have reported invalidated information to any of the 3 major Credit Bureaus { XXXX, XXXX or XXXX } this action might constitute fraud under both Federal and State Laws. Due to this fact, if any negative mark is found on any of my credit reports by your company or the company that you represent, I will not hesitate to bring legal action against you for the following : Violation of the Fair Credit Reporting Act Violation of the Fair Debt Collection Practices Act Defamation of Character If your offices can provide proper documentation as requested in the following Declaration, I will require at least 30 days to investigate this information and during such time all collection activity must cease and desist. Also, during this validation period, if any action is taken which could be considered detrimental to any of my credit reports, I will consult with my legal counsel for suit. This includes listing any information with a credit reporting repository that couldA be inaccurate or invalidated or verifying an account as accurate, when in fact there is no provided proof that it is accurate. If your company fails to respond to this validation request within 30 days from the date of your receipt, all references to this account must be deleted and completely removed from my credit report and a copy of such deletion { to any/all of the 3 major credit reporting bureaus : XXXX, XXXX and XXXX } request shall be sent to me immediately. I would also like to request, in writing, that no telephone contact be made by your company to my home or my place of employment. If your offices attempt telephone communication with me, including but not limited to computer generated calls and calls or correspondence sent to or with any third parties, it will be considered harassment and I will have no choice but to file suit. All future communications with me MUST be done in writing and sent to the address noted in this letter by USPS. It would be advisable that you assure your records are in order before I am forced to take legal action against your company and your client. This is an attempt to correct your records, any information obtained shall be used for that purpose. Remove this account from my credit report, do not call me on the phone, only contact me by mail or via CFPB portal. Best Regards, XXXX XXXX
02/24/2019	Yes	Debt collection Medical debt	Attempts to collect debt not owed Debt is not yours	GA 30127	Web
I sent XXXX a request on XX/XX/2018 I have not got a respond from First Financial Asset Mgmt Inc To Whom It May Concern : Be advised this is not a refusal to pay, but a notice that your claim is disputed and validation is requested. Under the Fair Debt collection Practices Act ( FDCPA ), I have the right to request validation of the debt you say I owe you. 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. This is NOT a request for verification or proof of my mailing address, but a request for VALIDATION made pursuant to 15 USC 1692g Sec. 809 ( b ) of the FDCPA. I respectfully request that your offices provide me with competent evidence that I have any legal obligation to pay you. At this time I will also inform you that if your offices have or continue to report invalidated information to any of the three major credit bureaus ( XXXX, XXXX, XXXX XXXX ), this action might constitute fraud under both federal and state laws. Due to this fact, if any negative mark is found or continues to report on any of my credit reports by your company or the company you represent, I will not hesitate in bringing legal action against you and your client for the following : Violation of the Fair Debt Collection Practices Act and Defamation of Character. I am sure your legal staff will agree that non-compliance with this request could put your company in serious legal trouble with the FTC and other state or federal agencies. If your offices are able to provide the proper documentation as requested in the following declaration, I will require 30 days to investigate this information and during such time all collection activity must cease and desist. Also, during this validation period, if any action is taken which could be considered detrimental to any of my credit reports, I will consult with legal counsel for suit. This includes any listing of any information to a credit-reporting repository that could be inaccurate or invalidated. If your offices fail to respond to this validation request within 30 days from the date of your receipt, all references to this account must be deleted and completely removed from my credit file and a copy of such deletion request shall be sent to me immediately. It would be advisable that you and your client assure that your records are in order before I am forced to take legal action. CREDITOR/DEBT COLLECTOR DECLARATION Please provide the following : Agreement with your client that grants you the authority to collect on this alleged debt. Agreement that bears the signature of the alleged debtor wherein he/she agreed to pay the creditor. Any insurance claims been made by any creditor regarding this account. Any Judgments obtained by any creditor regarding this account. Name and address of alleged creditor. Name on file of alleged debtor. Alleged account number. Address on file for alleged debtor. Amount of alleged debt. Date this alleged debt became payable. Date of original charge off or delinquency. Verification that this debt was assigned or sold to collector. Complete accounting of alleged debt. Commission for debt collector if collection efforts are successful. Please provide the name and address of the bonding agent for COLLECTIONAGENCY in case legal action becomes necessary. Your claim can not and WILL NOT be considered if any portion of the above is not completed and returned with copies of all requested documents. This is a request for validation made pursuant to the Fair Debt Collection Practices Act. Please allow 30 days for processing after I receive this information back. Best Regards XXXX XXXX
06/08/2022	Yes	Debt collection I do not know	False statements or representation Indicated you were committing crime by not paying debt	MI XXXXX	Web
Attn : XXXX XXXXFirst Financial Asset Management Inc.XXXX XXXX XXXX XXXX, XXXX XXXX XXXX GA. XXXX Whom It May Concern : ( In Reference to your recent letter XXXX ) I do not owe a debt to XXXX XXXX XXXX for {$4700.00} Dollars XXXX Account XXXX : ( XXXX ). In the Past, I have provided business to XXXX XXXX XXXX XXXX from XXXX to XXXX while working for XXXX in excess of {$24000.00} Dollars in a 2 year period and given recommendation to friends and family to utilize their excellent rental services. I have not dealt with XXXX Since then on any extended services. I believe this is a vindictive retaliation and personal harassment on a XXXX individual and XXXX XXXX XXXX XXXX from both First Financial Asset Management Inc., and XXXX XXXX XXXX. This is a fraudulent falsification and extortionists illegal claim under both National and International LawXXXXThis is falsification of information and documentation fraud, since I have never borrowed money or utilized any credit or property agreement with this company on any recent basis. This illegal activity is being created by XXXX XXXX XXXX XXXX by intimidation, harassment and collaboration to utilizing governmental agencies and First Financial Asset Management Inc. in an attempt to embezzle money from me in a non-existent relationship for a debtnot established or owed to them. This is manipulation of governmental agencies to manipulate data and create a condition of entrapment, embezzlement, extortion and falsification of truth. This is a criminal activity that is punishable by both National Federal law and under XXXX XXXX XXXX XXXX XXXX and First Financial Asset Management are in violation of both National and International Laws and business practices of ethical code of conduct ; a fraudulent scheme used as a deception to deprive me of financial money and possession in an insurance swindle ( between XXXX XXXX and illegal fabrication of truth to leverage and create Credit Damage ) without any civil or federal law ruling, specifically against human rights and constitutional civil rights, XXXX, racism and discrimination and illegal business conduct against XXXX XXXX in the United States of America. I am forming a national and international community Civil and Human Rights awareness and action organizational group effort against your illegal practices across the United States and creating a national and international fund raiser against your aggressive criminal actions for restitution to the millions and billions of individuals in the XXXX and internationally that have been defrauded by your companies. I will be reporting your actions to the Washington XXXX, New York XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX and XXXX XXXX XXXX and the XXXX and XXXX XXXX XXXX, XXXX, XXXX, XXXX XXXX and the XXXX XXXX both Federally and Local to investigate and dismantle both your criminal companies for racketeering with XXXX XXXX XXXX, illegal tax evasion, manipulation of the legal system with Local Governments in Michigan, Florida and Georgia.All these activities will be reported to the Attorney Generals Offices in XXXX, Michigan and Florida. Lawyers will be contacting both of your companies for Personal, XXXX XXXX XXXX Harassment, Anguish and XXXX XXXX. I am pursuing {$100000.00} Dollars Damages from both your organizations.
12/07/2020	Yes	Debt collection I do not know	Written notification about debt Didn't receive enough information to verify debt	VA 20148	Web
I received a notice from First Financial Asset Management ( FFAM ) dated XXXX XX/XX/XXXX in regards to an alleged debt with XXXX XXXX, the company that XXXX XXXX XXXX falls under. This is the second written notice I have received in addition to multiple phone calls per day since XXXX from First Financial Asset Management. In my response to the first written notice from XXXX XX/XX/XXXX, I sent a letter dated XXXX XX/XX/XXXX. In that letter, I requested an itemized bill with an explanation of the amount owed. This request was made within 30 days of the receipt of the XXXX XXXX notice. I sent that letter via certified mail and have a signed receipt of XXXX XX/XX/XXXX. I have not received any documentation providing any verification of the debt or what it is for. In their latest notice, they state that they are willing to reduce the amount to {$470.00}. But again, I have no idea what this amount is for. For background, I reserved a rental car using my XXXXXX/XX/XXXXPoints on my credit card. The total was {$1000.00}. {$710.00} was paid with points. The remaining {$300.00} was charged to my XXXX card. When we rented the car, I requested that my husband be listed as an additional driver. They told me it was an additional cost of {$260.00}. This charge was billed on XXXX XX/XX/XXXX upon returning the car. A few weeks later, on XXXX XX/XX/XXXX, I was charged {$12.00} in tolls, which was also expected. When I received a notification from XXXX in XX/XX/XXXXXX/XX/XXXXthat a charge had been made to my card by XXXX in the sum of {$620.00}, I called XXXX immediately. No one had rented a car from XXXX since XX/XX/XXXX and the last charges for the rental were in XXXX. They took the charge off my card, investigated, and sent me a notice that I was NOT responsible for the charges. A new credit card was issued. On XXXX XX/XX/XXXX, I received a letter from XXXX XXXX in the amount of {$620.00}. I emailed XXXX as listed on their letter. I wanted them to explain what I was being charged for because the total based on the statement from XXXX XXXX, the charge for the additional driver, and the tolls equaled {$1200.00}, all of which had been paid. Upon further investigation, the {$260.00} that I was charged for the additional driver is inconsistent with XX/XX/XXXX policy that states A spouse or domestic partner is the only permitted additional driver on a rental secured with a debit card. In my research into what I paid, it seems that they owe me {$260.00} for erroneously charging me for my husband to be an additional driver. I am sending them another certified letter tomorrow restating my request - the XXXX request between FFAM and XXXX XXXX ( who also received a copy of the XXXX XXXX letter with the same enclosures - they signed for it a day before FFAM ). As I have told them in my current and previous letters, I need to know what this debt is for because I have proof that I paid XXXX is full in XX/XX/XXXX. I have copies of all documentation on my end, but nothing from them. Below, I have attached the copy of the letter I am mailing to them tomorrow which also includes a copy of the notice and the initial letter I sent to them.
09/15/2018	No	Debt collection Medical debt	Attempts to collect debt not owed Debt was paid	UT XXXXX	Web
First Financial XXXX XXXX , XXXX, XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, GA XXXX is a collection agency purportedly attempting to collect a debt for XXXX XXXX XXXX XXXX, XXXX, address, city, and state unknown. XXXX XXXX purportedly purchased debt from XXXX XXXX, XXXX/XXXX XXXX XXXX XXXX, XXXX XXXX, UT. Consumer/patient was covered by a XXXX insurance policy. XXXX XXXX was contracted as a preferred provider of XXXX. Consumer/patient obtained services on or about XX/XX/XXXX from XXXX, who billed XXXX, and received reimbursement pursuant to the contract between them. In accordance with the contract, balance billing is prohibited. In correspondence to XXXX, XXXX indicated the payment and contractual allowance amounts. XXXX further indicated the patient had no responsibility for co-pays, deductibles, etc. XXXX therefore received payment in full from XXXX, in accordance with their contract. Notwithstanding payment in full, and instead of adjusting the remaining amount as the agreed upon contractual allowance, XXXX instead claimed the consumer/patient owed {$1500.00} and purportedly sold this debt to a different creditor, who then employed the services of the collection agency. On or about XX/XX/XXXX, collection agency sent consumer/patient an " Account Summary '' claiming to be acting as a collection agency on behalf of XXXX XXXX XXXX XXXX XXXX. They provide no other identifying information for XXXX XXXX. No address, no phone number. On or about XX/XX/XXXX, consumer/patient sent collection agency a request to provide the name and address of the current creditor, the same for the previous creditor, supporting documentation providing a valid basis for the claim, a copy of the last billing statement sent by the original creditor, proof of state license to perform debt collection within my state, and proof of state license to perform debt collection within the state they're based. On or about XX/XX/XXXX, collection agency responded, but failed to disclose address and phone of current creditor, failed to provide copy of last billing statement from original creditor, failed to provide proof of license to perform debt collection within my state, failed to provide proof of license to perform debt collection within the state they're based. Collection agency appeared to provide a copy of a lab order listing various charged and allowance. Collection agency provided a copy of a patient acknowledgement admission summary, with a section titled " financial arrangements ''. On or about XX/XX/XXXX, collection agency submitted a false and derogatory credit report to one or more credit reporting agencies. Said report was submitted less than required 30 day waiting period for consumer/patient to dispute debt. Consumer/patient asserts XXXX, XXXX XXXX, and First Financial breached the terms as stated in the financial arrangements section. Consumer/patient further asserts that XXXX received payment in full from XXXX, in accordance with the contract between the two parties.
11/12/2021	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	XXXXX	Web
On XX/XX/XXXX, my son and I signed a lease agreement with XXXX XXXX account number XXXX to lease printing Equipment from XXXX XXXX XXXX. I was the cosigner on the lease agreement. The payment came automatically out of my sons checking account. We contacted XXXX XXXX. In XX/XX/XXXX to see if XXXX XXXX could take over payments. XXXX XXXX agreed. XX/XX/XXXX. A new lease for XXXX XXXX, XXXX XXXX XXXX and XXXX XXXX was made. My son shipped the equipment to XXXX XXXX. It was agreed with XXXX XXXX that my sons and my name would be taken off of the lease agreement. Payments stopped coming out of my sons checking account. The payments then were XXXX XXXX and XXXX XXXX responsibility. I have XXXX XXXX which has XXXX and XXXX. My husband and I are wanting to purchase a home. I decided to check all 3 credit bureaus because the bank I am thinking about using takes the lower score of the 3 bureaus. When I checked the XXXX website I was shocked to see XXXX XXXX was on my credit report with a major derogatory, with 5 late payments in XXXX. 3 late payments in XXXX. 9 late payments in XXXX. Turned over to collections in XX/XX/XXXX. The account was charge-off and closed with a balance of {$3700.00}. My credit is very important to me. Since XXXX I was late on 1 payment for 30 days as soon as I realized it was not paid I paid it. I have an exceptional payment history. I called XXXX XXXX wanting to know why my name was still on the account. They said my name was on the account because a release paper was not signed. I wanted to do whatever I needed to do to get my name, the balance of {$3700.00}. taken off and all negative marks taken off of my credit report. One person I talked to there was XXXX. They said they could not help me the account was closed and sold to First Portfolio Ventures. Everytime I called they said the same thing they can not help me. I called First Portfolio Ventures they said they have the account with debt owed but it is not in my son or my name. It belongs to XXXX XXXX, XXXX XXXX XXXX and XXXX XXXX. I wanted to get my name off of the account and the balance taken care of. They said I couldnt because it was not my account and the debt does not belong to my son or me. They said they did not contact me about the debt and they did not report to the credit bureau in my sons or my name. They said the debt belongs to XXXX XXXX, XXXX XXXX XXXX and XXXX XXXX. They can not help me. I talked to XXXX. They said I needed to talk to XXXX XXXX about credit reporting issues they are the ones that reported it. I talked with each company 4 times XXXX XXXX, & XXXX but could not get the problem resolved and wrote a letter to each. Neither XXXX XXXX or First Portfolio Ventures contacted me when XXXX XXXX, XXXX XXXX XXXX, and XXXX XXXX were late or stopped making payments. Had I known this was happening I would have called XXXX XXXX to see what I needed to do to get this account taken care of so it would not have went to collections and ruin my credit report.
07/08/2023	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt is not yours	TX 786XX	Web	Servicemember
On XXXX of XXXX I rented a car in XXXX, NC using my XXXX XXXX credit card that had a premium rental car insurance benefit provide by XXXX XXXX XXXX. While we had the car it was damaged in a parking lot when we were not with the vehicle. When I returned the vehicle to XXXX on XX/XX/XXXX I reported the damage and provided my insurance information. Several weeks passed and I received a letter in the mail from XXXX. I opened it to find a cover letter from XXXX XXXX that stated " see enclosed documentation '', however there was no additional documentation just the cover letter. The only contact information was an email, XXXX. I email XXXX XXXX XXXX times over the next several weeks asking XXXX XXXX to let me know what was going on since I had no documentation. Because I had no information whatsoever to indicate that XXXX was trying to get me to pay, I made another reservation ( ID # XXXX ) with XXXX as a '' Gold Member '' member number XXXX The reservation agent did not mention any issues with my account. When I arrived at the XXXX XXXX on XX/XX/XXXX I was told they would not rent me a vehicle because I was on the rental suspensions list. This was my first indication that there was an issue with my XXXX account. I contacted XXXX XXXX XXXX directly and was told to file a claim. XXXX XXXX XXXX made and claim and they received information from XXXX asserting that the total amount due was {$1300.00}. XXXX XXXX XXXX made an initial payment of {$660.00} on XX/XX/XXXX for Collision and Comprehensive. They also communicated with XXXX that XXXX had not provided the required documentation to substantiate the Admin Fees, Diminishment of Value, and Loss of Use claims. Since that time XXXX XXXX XXXX has attempted numerous times to get XXXX to submit the paperwork. Instead XXXX turned the file over to First Financial Asset Management ( FFAM ) and they began harassing me with debt collection phone calls. They are attempting to collect the full amount of {$1300.00} despite the previous payment of {$660.00} made by XXXX XXXX XXXX. I have explained all of this to FFAM several times and the case manager, XXXX XXXX, is aware of the facts. Nonetheless, FFAM continues to call frequently and often they do not speak, but just disconnect. Every time I try to explain to the telephone agent that XXXX XXXX XXXX is trying to pay the claim, if XXXX would only provide the documentation, the say they they do not have that information. FFAM 's calls are recorded and the recording will provide evidence of their ongoing disregard for the facts. XXXX XXXX XXXX continues to get FFAM or XXXX to provide the required, industry standard documentation to process the claim. XXXX XXXX XXXX continues to get FFAM or XXXX to provide the required, industry standard documentation to process the claim. Then sent a request by email on XX/XX/XXXX and have made several attempt to reach XXXX XXXX by phone. So far there has been no response.
03/01/2017	No	Debt collection Medical	Cont'd attempts collect debt not owed Debt is not mine	GA 30038	Web
I have been trying for months to get this company to close accounts they have with my name that is not mine. When I think these accounts have been closed a few months i get collection notice. This has been very very frustrating and time consuming. I received a notice today, 1 ) I called the collection agency on the notice XXXX, I spoke with XXXX XXXX that said they had XXXX accounts in their system, XXXX for {$73.00} that have been CLOSED, XXXX for {$220.00} ( amount on the notice ) still opened. 2 ) Then I called First Financial Investment fund ( the company that placed the account with XXXX ), spoke with XXXX XXXX ext XXXX. She claimed there were XXXX accounts in my name but she shows XXXX opened ; XXXX for {$530.00} and XXXX {$220.00}. I told her that these accounts should have been closed. she insisted they are still owed to XXXX XXXX. I asked her for XXXX XXXX number and she said that she does not have a number. She then gave me a number, when I asked her for the extension she said that she googled it and did not have an extension or contact person. This was the same number I called a few months ago which said that I did not owe them. I called the number after being transferred about 5x, being on the phone about 1 1/2 hours I hang up and called First Financial again. This time XXXX XXXX then claimed I had another account for {$1800.00}. When i told her this had been resolved and I had a letter from THEIR account showing this has been closed, she then transferred me to a XXXX XXXX ext XXXX. XXXX XXXX, then claimed I had XXXX accounts still OPENED, XXXX for {$1800.00} ( which I had the letter showing this has been closed ) XXXX for {$530.00}, XXXX for {$220.00} & XXXX for XXXX. I told her that all these were closed and I need a letter to get these resolved. she claimed she did not have the letter from the attorney. I told her that I needed this resolved to please hold the line 2 mins let me send her a fax so that I ensure they receive the fax, she said that she do not want to hold that i should call back to see if they receive the fax. I attached this letter to this complaint. This has been going on for over 7 years, everytime i think these are resolved years/months after I get collection notices. This is very BAD practice trying to collect debts that is not owed. They are very unprofessional and do not try to understand or hear what one is saying. See above how many times the stories changed, they are trying to collect money that is not owed and this is very BAD. This is taking alot of my time. This will also be reported to Georgia State Attorney & Federal trade commission. This is the 3rd complaints that I have filed for this same situation with this company First Financial Investmern fund IV. The previous Case number : XXXX & XXXX. I demand that your company permanently and forever closed this matter and confirm in writing that the above matter has been immediately terminated.
02/09/2023	Yes	Debt collection I do not know	Written notification about debt Didn't receive enough information to verify debt	CA 94087	Web
XX/XX/XXXX : Called me at XXXX XXXX, I didn't recognize the number. It was too early in the morning, I thought it was a scam and rejected it. XX/XX/XXXX : Called me at XXXX XXXX, I didn't recognize the number. It was too early in the morning, I thought it was a scam and rejected it. XX/XX/XXXX : Called me at XXXX XXXX, I didn't recognize the number. It was too early in the morning, I thought it was a scam and rejected it. XX/XX/XXXX : Called me at XXXX XXXX, I didn't recognize the number. It was too early in the morning, I thought it was a scam and rejected it. XX/XX/XXXX : I found this number called me multiple times, and called back at XXXX XXXX. The person on the call talked about the debt collection and asked me to pay it. I asked them to send me a letter about the details. The destination address was verified by both of us. XX/XX/XXXX : Called me at XXXX XXXX, asked me to pay the money just like the previous call doesn't exist. I felt it was weired, asked them to send a letter again, the person directly cut off the line without answering to my question. XX/XX/XXXX : Called me at XXXX XXXX I answered to the call but no one was talking to me. XX/XX/XXXX : I sent an email to them, complained about the bad communication, and asked for a written statement and the way to resolve this issue. No reply. XXXX : Called me at XXXX XXXX, I answered to the call but no one was talking to me. I called back at XXXX, re-stated my request to them, I need get a written statement, by mail. The person said they have already sent out the letter to my address. I said it has been more than 10 days since I requested on XX/XX/XXXX, could you send it again in case the letter was lost. The person refused. Then I asked if they can send an email to me, the person agreed. But nothing received. XXXX : Called at XXXX XXXX, I answered, no one talking to me. I sent another email at XXXX XXXX. No reply. XXXX : Called at XXXX XXXX again. I directly rejected because their bad history of communication. I called back at XXXX XXXX after I finished most of my work today, but nobody answered the call. I feel very frustrated about this issue, and start filing a complaint on the website of cfpb. From the date I recognized there is an issue for me to deal with, I have been actively contacting them for information and solution. They seems badly organized and irresponsible. There is no way to get any written statement back from them. However, they are addicted to calling people in the early morning, which is illegal according to the law, but conveying nonsense in the call, totally helpless to resolve the problem. I take my credit seriously and recently got into anxiety because of their bad communication, which affected my life and work deeply. I need the help from CFBP to resolve this issue.
10/30/2019	No	Debt collection I do not know	Attempts to collect debt not owed Debt is not yours	CO XXXXX	Web
I keep getting unwanted phone calls from a company that is using a " XXXX XXXX '' tactic. I block one, they call again from another number. I called them back today and they tried to get me to give them all my personal information stating they were trying to collect a debt from a company called XXXX. It looks like The original company has sold a debt that was either old, charged off or mistaken which means the original debt is no longer valid, has been written off on taxes or collected reimbursement through their insurance carrier. I can not locate any information in the form of a " Signed Contract '' wet ink signature stating that I owe any debt to this company or any subsidiary. The collection company has been advised to stop contacting me as they have never sent anything in writing stating my rights to challenge the debt within a 30 day period so therefore they are operating by illegal standards of trying to force me to acknowledge a debt that I do not have. If this debt collection company has purchased this debt from the original creditor, and the original debt was written off then the debt is no longer valid when it comes to anyone. This collection company was asked today via the phone, do you have the original contract, the agent said No we do not have that on file, then how can you prove that I or anyone else owes anything to you. Simply sending a statement is not an obligation to say a debt is valid. This collection company FIRST FINANCIAL ASSET MANAGEMENT with a phone number of XXXX has called me from a XXXX several times and I have asked them to cease and desist with all calls bu they keep calling me and harassing me. I do not have a contract with them, I do not owe this company anything as I never entered into any agreement with this company but yet they keep trying to get me to divulge my personal information to them by simply hiding behind " This is an attempt to collect a debt and information can be used to do so '' tactic. Any further attempt to call me or write me will be considered harassment and will be turned over to the State Attorney Generals office. Any attempt to harm my credit by placing a fraudulent collection on my credit will be met with swift legal action. Any attempt to force me to pay a debt, or settle a debt that is not owed to you by a legal, contractual obligation will be met with complaint after compliant being filed with the CFPB for every attempt that you use to call me from a fake phone number or to send me any illegal letter stating that I owe you something when I do not. A contractual agreement is between two people that acknowledge a financial obligation to pay a debt that is legally owed. I do not KNOW THIS FFAM company and have never dealt with them in any capacity and I want them to stop contacting me.
06/05/2018	Yes	Debt collection Medical debt	Written notification about debt Didn't receive enough information to verify debt	AL 351XX	Web
Contact by the debt collector XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX was made via USPS on or around XX/XX/XXXX ( letter dated XX/XX/XXXX ). Limited information was provided. It came to my attention that collector had called my mother asking to speak with me. When asked what it was in reference to she was hung up on. I contacted the collector by phone and was asked to verify name, address, and date of birth. I refused to provide date of birth since to my knowledge that was not information that the collector had. Collector told me that without that information she would not speak to me and hung up. My mother was contacted at least 2 other times each time collector was told that I was not a resident at that number. On XX/XX/XXXX I wrote a letter asking for many details to verify the debt. This letter was mailed certified on XX/XX/XXXX. I received notice 10 days later that the letter had been received. On XX/XX/XXXX I received a response to my letter detailing the debt as lab work ordered by my dr on XX/XX/XXXX and completed by XXXX XXXX XXXX. I knew this to be my very first prenatal visit and that prenatal visits were covered 100 % by my insurance. I contacted my insurance co who informed me that the lab used was out of network at the time ( lab is now closed and filed for bankruptcy and being investigated by feds ) Insurance paid in network costs at the time. I contacted my dr who was in network at the time of service. I was told immediately to file a dispute that many patients had contacted them regarding this lab and debt collector. That it was possible that the lab had conducted tests that were not ordered by the dr . I then called the collector to verify filing a dispute. I was told by the collector that since I had contacted them via letter and they had replied that my debt would soon fall out of dispute and that I would be responsible for paying the debt. I mentioned no correspondence with the lab regarding the debt and receiving no correspondence other than a letter from the collector. I mentioned the phone call to my mother to which they denied even having her number. When I insisted again that she had been called more than once, I was told that her number had been removed. I asked why I was never called if they supposedly had my phone number and they told me they had on record that they had called 6 times and are not allowed to leave messages. In my line of work it is not considered contact unless you actually spoken with someone ... I feel that this is all very fishy. I do not feel that I legitimately owe the money and feel that further investigation should be completed before being pressed for payment. I also feel that all of the information that I requested was not provided and that communication was not properly handled.
09/13/2018	Yes	Debt collection Medical debt	False statements or representation Impersonated attorney, law enforcement, or government official	GA 30238	Web
Early last week on XX/XX/XXXX I received a summons for a law suit that has been filed against me. I called the number on the summons and it stated that I owed a debt from XXXX, in the amount of XXXX. I reached out to the number on the letter and advised them that I have not received any information on this " alleged debt ''. I am responding to this law suit as sufficient information has not been provided as I have requested. On XX/XX/XXXX I sent an email to XXXX XXXX XXXX XXXX about this debt asking for verification and validation and prescribed by law because as I stated before I have not received any. In addition to this I see an additional entry on my credit file for this same debt. This is a clear violation of FDCPA and the Frank Dobbs act in addition to the UCC. This is not only " reaging '' of old debt, but this is also a violation of communication because I have not received any mail to such claim. Section 1036 of the Frank Dodd act of 2011 prohibits covered persons and service providers from engaging in unfair deceptive or abusive acts or practices. This act also prohibits abusive practices. This is a an abusive business practice and deceptive. The state attorney general can also sue your company for unfair and deceptive practices. Deceptive practices are defined as a representation omission or a practice that is likely to mislead a consumer acting reasonably under the circumstances. Legal and unfair practice is any or all practices that causes or is likely to cause injury to consumers where the injury can not be avoided by the consumer. This is unauthorized billing that caused substantial injury. To measure unfairness, An legal assessment of an Unfairness test requires weighing cost and benefits of business practice. This particular practice resulted in substantial injury to my person. The cost outweighs the benefit and that is what legally makes this practice unfair. I do not have any legally binding contract with. Therefore your inaccurate and invalid entry on my credit is considered material to my decision making in terms of all credit related purchases I am being penalized twice for a debt that is not only unverified but also is not valid. Once again this is against the law. I demand that XXXX XXXX XXXX XXXX remove this erroneous, inaccurate, unverified information from my credit file. I am handling the law suit separately and I plan on pursing that issue and seeking all damages under the FDCPA as I can get and will also publish this information where appropriate. Please see attached that has already been sent further asking for verification, which to this date has been unanswered. Sincerely, XXXX XXXX Without Prejudice UCC 1-207/1-308
11/30/2022	Yes	Debt collection Medical debt	Attempts to collect debt not owed Debt was paid	MI 48073	Web
On XX/XX/2022, the medical debt vulture company, First Financial Investment Fund III LLC, sent debt they purchased from XXXX XXXX XXXX XXXX to XXXX XXXX XXXX. On XX/XX/2022, XXXX sent me a letter saying they were servicing the debt now. They call this their demand letter. There was no demand for payment, no option for a payment plan, nothing. Just a letter from a law group with a law group letterhead saying they service my debt now. This was intended to intimidate me. I sent back a letter to them disputing and asking for validation on XX/XX/2022. XXXX sent validation showing XXXX XXXX of purchased medical debt leading to XXXX XXXX XXXX between XX/XX/2022 and XX/XX/2022. But, by XX/XX/2022, XXXX XXXX XXXX had drawn up both validation and legal papers to sue me, filing the legal complaint 28 days after the dispute was received, with a summons ultimately issued on XX/XX/2022 in the XXXX XXXX in XXXX XXXX MI. Service was attempted the week of XX/XX/2022, but I was out of town. I called XXXX and spoke with XXXX on XX/XX/2022 who told me that I 'can ' respond to the summons after I am served, misrepresenting the fact that no answer virtually always means a judgment in their favor. I set up a payment arrangement that day, XX/XX/2022. They told me there was 'nothing ' they 'could do ' about dismissing the lawsuit because XXXX 's with the courts now. ' This is another lie. On XX/XX/2022, I paid in full and called the next week to ask whether this could get XXXX to serve me dismissal papers. They said the lawsuit was 'canceled ' and nothing else would happen with the lawsuit because I paid in full. This is yet another lie because I was served today, XX/XX/2022, over this fully paid debt. I believe they broke the law with the timeframe between my dispute and their lawsuit. I think they attempted to deceive me into not answering the court case. I think they lied by telling me they can't do anything to dismiss the case. I think they lied and will continue to try to collect on this debt to double, maybe even triple collect. If they're trying this with me, they've done it to others. Last, I think they are nothing but a law firm that uses incredibly deceptive and aggressive methods to collect for clients. They took my down payment for my first house for my children and gave it to corporate investors. I know it was my debt -- it was for the birth of my child -- but there was no offer for partial payment or even a payment plan before they filed legal paperwork. They should not exist.
10/23/2018	Yes	Debt collection I do not know	False statements or representation Attempted to collect wrong amount	MN 55033	Web	Servicemember
In XX/XX/2018 I began receiving letters from this company claiming they were collecting a debt for XXXX XXXX. They advised that XXXX sent them paperwork stating a balance was on my account due to XXXX employees falsely reporting a rental car stolen that I rented & failing to close the pre-authorization to collect the balance before falsely reporting the car stolen. XXXX XXXX XXXX XXXX collected approximately XXXX $ via phone & stated it satisfied the debt & they would send the debt verification documentation to me. The company never verified they have authority to collect the debt, sent any debt verification documentation or informed me of a right to dispute before I began demanding documentation in XX/XX/2018 because XXXX claimed they still had a XXXX $ balance despite XXXX XXXX XXXX XXXX stating they collected that debt ( plus hundreds of dollars in excess ). XXXX finally sent a record of the balance owed & it shows that XXXX XXXX XXXX XXXX collected hundreds of dollars more than XXXX alleges is owed. When called to find out what XXXX XXXX XXXX XXXX was doing, the call center reps began to act as complete fraudsters or scam artists by completely fabricating details, threatening to tell the court 's false information/alleging the criminal court 's had contacted them with false court dates/court information in order to intimidate me into paying more money. It should be noted, that XXXX employees fabricated statements to law enforcement in VA & MN in order to frame me for felony arrests by alleging I stole a rental car after the VA employees intentionally falsified information in the corporate database to have me maliciously prosecuted due to negative relationships between the employees & myself. That false report of a crime lead to XXXX XXXX XXXX XXXX contacting me alleging they were collecting the balance the employees intentionally left on the account to frame me for a crime. XXXX XXXX XXXX XXXX rep, XXXX XXXX, stated during the payment processing that the paperwork she has seen/conversations had w/XXXX ( allegedly/possibly, the parent company of XXXX XXXX XXXX XXXX ) shows the employees stole the car & framed me. I agreed to pay the balance of the contract in good faith after learning that the employees at XXXX had intentionally failed to collect payment in order to frame me for a crime. XXXX XXXX XXXX XXXX has called repeatedly, in a harassing format, demanding payments yet has refused to provide requested documentation of debt, authority to collect debt etc.
08/05/2021	Yes	Debt collection Medical debt	False statements or representation Attempted to collect wrong amount	SC 29063	Web
On XX/XX/XXXX, I was notified by a mortgage lender that I owed {$50.00} in a medical debt that had been turned over to collection First Financial Asset Management ( XXXX ). I had received neither any bills nor any phone calls from either the original creditor or the collection agency. They had sent to a prior address where I had not lived for four years and I had given them the correct address when being checked into the emergency room in XX/XX/XXXX. They also had my correct phone number on file. Over several days, I tried repeatedly to obtain the information regarding the debt from the original creditor, XXXX XXXX. After many conversations with XXXX XXXX, Ms. XXXX XXXX with XXXX XXXX ( XXXX ) indicated that she would authorize the collection agency to remove the debt from my credit if I paid the {$50.00} to the collection agency. On XX/XX/XXXX, I spoke to Ms. XXXX XXXX with First Financial Asset Management and Mr. XXXX XXXX with First Financial Asset Management. They indicated that if I paid the debt, the collection would be removed from my credit report. I paid the {$50.00} immediately. I was asked to send an email to Ms. XXXX ( she gave me her email address ) and she would send me the XXXX control number to confirm the removal had been sent to the credit bureaus. I did not receive that information and followed up today to obtain the evidence the information had been removed from my credit report. I received a return call from Ms. XXXX XXXX that she was wrong and the information could not be removed from my credit report. I asked to speak to her supervisor. She indicated her supervisor, Ms. XXXX XXXX, was on a conference call and I could leave a message. The practices of this company are deceptive and this information should be removed from my credit report. Following is evidence of the email sent last week : Acct # XXXX - XXXX XXXX XXXX XXXX XXXX XXXX XXXX Thu, XX/XX/XXXX, XXXX XXXX ( 7 days ago ) to XXXX, me Good afternoon Ms. XXXX- Per our conversation earlier today, I have paid the {$50.00} owed to FFAM for a XXXX XXXX medical bill and that collection account will be deleted from my credit reports. Please forward the XXXX control number ( evidencing deletion of the collection ) at your earliest opportunity. Thank you for your assistance in this matter. I really appreciate your professionalism and willingness to work with me to resolve. Kind regards, XXXX XXXX XXXX
11/10/2020	Yes	Debt collection Auto debt	Attempts to collect debt not owed Debt was paid	VA 22314	Web
Hello - Hope you are well. I am writing in a complaint about a company that goes by XXXX, or First Financial Asset Management located at XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX, GA XXXX. The company is a debt collector. This complaint is about abrasive ( borderline abusive ) nature of XXXX of the supervisors, by the name of XXXX XXXX ( if I captured it correctly ). The case in question is # XXXX. This is a somewhat unique situation, in that the end consumer ( myself ) disagreed that the debt was valid and after over 65 minutes on the phone including a conference call with the original debtor, the debt was considered satisfied in the first place. The individual from the debt collection agency, XXXX, was extremely unkind, difficult to deal with, and offered a few statements that could be construed as threats. I kept a level tone through the discussions, despite the fact that he raised his voice. A few of the highlights from our discussion : " You don't get anything for free ; '' Offering unsolicited advice " Whenever people use points, they always come my way. Always pay for things the right way. '' He also stated numerous facts that were either incorrect ( and possibly illegal ). The first one ( which is incorrect ) is that he stated when you chargeback something from a Credit Card, the company does not get a chance to rebut the claim, implying that I had filed fraudulent chargebacks. He also incorrectly stated that the agent had said the debt was valid, and that he heard it on the call. This is false, as the agent had ruled that the debt was not valid. Last but not least, when it appeared we had not come to agreement, I had stated to him that I received his letter on XX/XX/2020, and that I intended to reply in writing that I disputed the debt and wanted to see an itemized description of the debt in question. XXXX informed me that it did not matter, because he was marking in the file that I am refusing to pay, implying that I would be left to deal with the credit impacts. He then offered to take payment, and if the charge was reversed by the client, he would refund the money. This is abusive, misleading, and completely inappropriate. I can only imagine that this takes advantage of more unfortunate victims of this organization.
07/05/2016	Yes	Debt collection I do not know	Cont'd attempts collect debt not owed Debt is not mine	SC 29170	Web
I may have received calls earlier than this but I 'll start when I first made a note. On XXXX/XXXX/XXXX at XXXX PM I received a call on my cell from the number : XXXX but no message was left. I called the number back at XXXX and someone from First Financial Asset Management answered the phone. I asked them what they wanted and they stated that they were looking for someone other than myself, this is my personal cell phone and I 've had this number for over ten years. The person on the other line apologized and I stated that I would like to be removed from any further phone calls and that the person they are looking for has no relation to this phone number. They stated they would honor my request I would n't receive anymore calls. On XXXX/XXXX/XXXX at XXXX I received a phone call again from the same phone number : XXXX belonging to First Financial Asset Management . No message was left and I did n't have time to return the call. On XXXX/XXXX/XXXX at XXXX I received a phone call again from : XXXX belonging to First Financial Asset Management and called them back XXXX. Again, I asked who they were looking for and again they stated someone other than myself. I asked to speak to a supervisor/manager. I was transferred to another person and I stated again that they have the wrong person/number and that I even called to tell them this on XXXX/XXXX/XXXX. The person at First Financial Asset Management admitted that they showed in their system that I did call and did state this but somehow my number kept being added back to thier robodialer. I demanded that I be removed from their system permanently and to never call me again. The person at First Financial Asset Management stated that they would have my infomation sent to their IT dept who would scrub my information from their system. On XXXX/XXXX/XXXX at XXXX I received a call from : XXXX which belongs to First Financial Asset Management , this is even after I specifically told them twice that they have the wrong and demanded to be taken off their calls list and a note made about my phone number.
05/25/2021	Yes	Debt collection Other debt	False statements or representation Told you not to respond to a lawsuit they filed against you	NJ 07305	Web
On Friday, XX/XX/2021 I was contacted by First Financial Asset Managment. I was told that I owed money due to an accident that I had. I was lead to believe that if something wasn't done that there would be legal action taken against me. I was told to take the weekend and figure out my finance and callback in. On Monday, XX/XX/2021 I called back to First Financial Asset Management and I was told they refused to acknowledge that they were in fact a debt collection agency. They continued to say that they work for XXXX and they were simply just trying to confirm the balance and make arrangements on my account. I then said to them that if they are attempting to collect a debt then they are in fact acting as a debt collector. I was told that they did not have to follow the FDCPA, which was why they continued to make false and misleading statements. Instead of stopping the activity they lied about who I was speaking to and refused to transfer me to a supervisor. Finally, when I was transferred to a Supervisor he hung-up on me because he refused to take a {$5.00} payment over the phone. He stated that the minimum amount he can take over the phone was {$50.00}. This is after the employee said the minimum was {$100.00}. The company wanted me to set-up {$75.00} payments for two months and then they discuss other options later down the line. I told them I wasnt interested in doing that because my financial situation would not allow me to pay that much. This company is full of collection bullies. They spend there time trying to make themselves sound like lawyers and trying to set the belief that the matter is going to escalate when that wasn't what they were hired for. They use deceptive wording such as " claim number '' when in fact the account number is a file number in their office. Please request access to all calls. Even when they were told of my intent to file a complaint they didnt back off. Instead they got angry and hung-up on me. Please stop this company from abusing consumers!!
06/15/2019	Yes	Debt collection Medical debt	Took or threatened to take negative or legal action Threatened to sue you for very old debt	UT 84075	Web
I received a phone call at work from a XXXX XXXX saying that she was a paralegal and that said that she just had a proposal for garnishment of wages dropped on her desk and legal action needing to be taken for an old medical debt from XXXX of 2015. She said that she wanted to give me a chance to settle the debt of {$1600.00} that was originally the remainder owed that was already settled and paid. She said that they could settle for {$1000.00} if by the end of the day without further legal action or by morning a lawsuit would happen. I was distraught and in tears the way that I was treated so much that my boss took over the phone conversation and offered to pay it. I immediately talked to my husband that confirmed the bill was settled in XXXX of 2015 and had a confirmation letter stating that is was settled in full. Company lies on the phone and when you fax them the cease and desist letter and prove the debt was settled years ago, you keep getting phone calls and threats to take your driver 's license and take you to court at home, to other family members and your workplace. They say illegal phrases and tell other persons private information in your family phone group. No proof of what is owed or what they say and is over 4 years ago! They have XXXX phone numbers that they mainly use XXXX and XXXX. Here is a copy of a message transcribed from answering service to text. This is what our daughter received on her phone and it is identical to the one received on the house phone : " XXXX Depositing new message. Hello this message is solely intended for XXXX. ______, I'm calling in regards to a request of a petition to be filed against you in regards to your involvement in investigation of theft and services. Either you or your attorney must contact your filing party today at XXXX XXXX at XXXX. Failure to comply will result in the issuance of a guilty plea on your behalf as well as the suspension of your state drivers license. You have been notified. Good dat and good well ''
02/21/2023	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt is not yours	TX 750XX	Web	Servicemember
In XXXX I received a letter from a debt collector indicating I owed money. After requesting information about the specific loan and creditor, I learned the loan was from XXXX XXXX XXXX, XXXX from 2021 in the amount of {$300.00} with interest accrued in the amount of {$310.00}. The paperwork listed my name under borrower signature ( though it is simply typed and not an actual signature ). The phone number associated with the account is not mine ( as I have had the same number for nearly 27 years ) and once I attempted to call it, learned it was out of service. There are no documents included showing my actual signature or any form of identification showing I was indeed the actual borrower ( no proof of DOB, Drivers License Number, address, or any other specific identifying information ) My credit report does not include an inquiry from this company nor does it show any outstanding balance. I've already contacted the debt collection agency disputing the debt and have a filed a complain with XXXX as XXXXXXXX XXXX XXXXXXXX failed to show any due diligence in confirming the borrower was who they said they were. Furthermore, I never received any communication from XXXXXXXX XXXX XXXXXXXX in the course of the 15 months the loan was supposedly open and in default status. If I had to guess it would be because the contact information they were given at the time the loan was opened was fraudulent. It wasn't until it was sent to a debt collection agency that I learned of the loan. XXXX XXXX XXXX will need to seek out the actual borrower and cease communication with me including through debt collectors. I'm not paying a debt I didn't incur and want to know what documents XXXXXXXX XXXX XXXXXXXX actually requested prior to lending {$300.00} to someone who claimed to be me.
05/24/2019	Yes	Debt collection Other debt	Written notification about debt Didn't receive enough information to verify debt	GA XXXXX	Web
Aforementioned collection agency, attempting to collect an alleged debt, has failed to acknowledge that the debt is disputed, even after being sent multiple letters and evidence showing the debt was indeed disputed. On or about XX/XX/2019, Complainant received a call from a representative who identified herself as a collection agent for First Financial Asset Management. I advised her, as per my rights under the FDCPA, that she and her company was not to call this Complainant after this call was finished. The representative also advised me that the alleged debt was for XXXX XXXX XXXX XXXX. I advised her that as per my aforementioned rights the debt was disputed within the thirty ( 30 ) day period of first communication and that I wanted an address to write a formal letter of dispute. She provided it and an account number. I sent a letter of dispute, via certified mail, which was indeed received by the First Financial Asset Management office, which replied with a verification of debt, which I stated in the first letter of dispute that I did not need, as I was aware of what the alleged debt was about. I sent three more letters, on the XXXX of XXXX, the XXXX of XXXX, which contained evidence of my dispute, and a final letter on XX/XX/XXXX, demanding a letter from First Financial Asset Management, stating the matter was in dispute. ( All of these letters were sent certified mail and were received by the FFAM office in XXXX XXXX, Georgia. ) They have failed to acknowledge the letters and have basically placed me in a state of limbo, so to speak, on the status of this matter. A complaint was filed with the Georgia Attorney General 's XXXX, but they deferred this complaint and advised me to file one with your office.
12/03/2021	Yes	Debt collection Medical debt	Written notification about debt Didn't receive enough information to verify debt	SC 29209	Web
XXXX XXXX XXXX XXXX has been assigned a few of my medical bills that are in collections. Due to being unemployed, I have contacted the business recently to accept XXXX ( XXXX ) account settlement offers and paid them. For the first account with an initial balance of {$190.00} ( acct ending in XXXX ), I paid {$160.00} via debit card ending in XXXX on XX/XX/2021. For the second account settlement, the initial balance was {$190.00} ( acct ending in XXXX ) and I paid the settlement offer of {$150.00} via the same debit card referenced above. I understand that it typically takes 30 days for resolved accounts to reflect on a credit report and obtain a letter of debt settled, however, I have asked multiple representatives to provide me with receipts in reference to these monetary transactions and they all refuse. I have spoke with the " supposed '' supervisor XXXX XXXX ( unsure the exact spelling of first name ), and even she gives me the run around. Due to the lack of professionalism and contradictory statements, I do not have faith that my money has been applied to the referenced accounts appropriately, and without some sort of proof of payment towards these accounts it is simply a bunch of hearsay. Additionally, multiple representatives have told me that I have XXXX additional open collection accounts, both totaling under {$50.00}, which are not on my credit report and I have no clue what they are in reference to. When I ask for debt validation of these accounts, the representatives and supervisor ( listed above ) tell me they are unable to provide that information. I am considering getting my attorney involved because I feel the business practices are unethical and illegal.
05/15/2021	Yes	Debt collection Medical debt	Attempts to collect debt not owed Debt is not yours	GA 303XX	Web
On XX/XX/ 2021, I received a notification that First Financial Asset had placed a derogatory account on my credit report. The reported amount was {$110.00}. This is not my account. If this is indeed my account, First Financial Asset committed the following FDCPA violations : 1. 15 U.S.C. 1692g- Validation of Debt. I never received written or verbal communication about this debt. I was not provided with ( XXXX ) The amount of the debt. ( 2 ) The name of the creditor to whom the debt is owed. ( 3 ) Notice that the consumer has 30 days to dispute the debt before it is assumed to be valid. ( 4 ) Notice that upon such written dispute, the debt collector will send the consumer a verification of the debt or a copy of any judgment. I never received a letter or phone call from this company and I can prove it. 2. 15 U.S.C. 1692d- A debt collector in collecting a debt may not harass, suppress, or abuse any person. The debt collector unlawfully reported the account to my credit report. This is causing me undue stress and agony. My credit score is needed to continue with my employment. I am willing to communicate with the debt collector. I can be reached via phone or mail. If they can provide me with proof of the debt and it is actually mine, I will immediately make the payment of {$110.00} in full. I fully expect First Financial Asset to IMMEDIATELY remove the negative credit reporting. They have already done significant damage to my credit report due to their illegal and fraudulent actions. Third-party consumer debt collectors are supposed to strictly adhere to the FDCPA and as outlined above, they failed to comply.
01/01/2017	Yes	Debt collection I do not know	Cont'd attempts collect debt not owed Debt is not mine	CO 80022	Web
Well this happened in XXXX XXXX 2016 and i was working and my boss needed me to get some materials so i took the work truck. On my way to work i accently rear ended a lady, nothing too bad just a back bumper and the left taillight were damaged from what i could see. I contacted my boss and he spoke with the lady saying he would take care of it and he would pay for the repairs. So thats exactly what happened like XXXX 3 weeks later he told me he payed XXXX for the repairs and stuff and she took her car and left. She didnt contact him anymore or anything and when i went to court a month later she wasnt there either. I payed my court fees and that was the end of that .well i thought so until i receice a letter from XXXX stating that i crashed XXXX of their customers on XXXX XXXX 2016 when it was on XXXX XXXX 2016 and it stated that i owed an amount of {$4300.00} for crashing her and to add my insurance agency details i added my boss 's insurance company instead since i feel it was his vehicle that wasnt insured i dont get why my insurance agency needs to be contacted.so i sent the letter and like 3 weeks later i get a letter from collection saying i still owe those {$4300.00}. Im really confused and kinda mad as to why i need to pay this debt when first of all my boss payed her costs and why am i bearly getting this when this happened 5 months ago. I kind of think she 's trying to get money out of this situation since im guessing she didnt report it at the crash scene. Whatever the case is i shouldnt be paying all this money i feel that this debt should n't exist
07/18/2021	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt was paid	FL 32277	Web
In XX/XX/XXXX I received mail from First Financial Asset MGMT, Inc ( FFAM ) for an alleged debt owed to XXXX XXXX XXXX, XXXX FL office from XX/XX/XXXX rental total of {$400.00}. I contacted XXXX as any rental I made from them was paid at the time of the vehicle 's return to the company. XXXX location did not find any owed debt in their system and calls to their XXXX # yield no results. On XX/XX/XXXX, I received another collection letter from FFAM on behalf of XXXX stating I owed funds from a rental in XXXX, FL. On XX/XX/XXXX, I sent both XXXX and FFAM proof that I paid the rental charges and charges for future dates ( as they required I pay in advance for a few extra days ) to the XXXX, FL office on XX/XX/XXXX. At the end of the rental, I return the vehicle/closing out the rental at their XXXX XXXX office in XXXX, FL. The rental was returned in person to an XXXX associate, not a night drop. I was already paid up so no more payments were needed. On XX/XX/XXXX, I received another debit collection from FFAM with a copy of the original bill XXXX rental, completely ignoring the fact that I have provided written proof that the payment was paid to XXXX XXXX, FL location in XXXX. It seems there is an issue with XXXX XXXX and their XXXX, FL recording keeping, however, FFAM has proof of payment and has completely ignoring this proof and instead is continuing to harass me on behalf of XXXX. This process has caused me stress and time on an already paid debt. I am filing this complaint in hopes to have this stopped and FFAM and XXXX clear their records.
06/30/2020	Yes	Debt collection Other debt	False statements or representation Attempted to collect wrong amount	CA 90031	Web
I had a contract with XXXX about a rental vehicle. After I returned the vehicle, I discovered that I was charged an amount over 10 times greater than what was on the contract. I called my credit card company and told them to return my money as the XXXX representatives insisted on fraudulently and illegally keeping my money despite there being no contractual basis of doing so. I was given the money back by my credit card company and the XXXX representatives then wrongfully generated an account for me with the amount of money that they criminally established. I was later contacted by the debt collector agency First Financial Asset Mgmt and they insisted that this debt was completely valid. When I requested proof knowing they had none, they sent nonsensical documentation of the falsified amount in the account generated that I mentioned above and claimed that was " verification '' of this fraudulent debt. I told them over the phone and via letter repeatedly that there was a contact established and they are collecting an amount that I do not owe per contract. They consistently harassed me for this amount that I do NOT owe and even attempted to conjure an arbitrary monetary offer ( that was still far outside of the contract established ) in a manipulative effort to provide me the " opportunity to resolve '' this debt. They continue to harass me by trying to collect this fraudulent debt yet have not demonstrated a legal basis in which I am bound to pay as I am visibly not required to pay anything out of contract, let alone for a service I did not receive.
10/04/2022	Yes	Debt collection Other debt	Written notification about debt Didn't receive enough information to verify debt	TN 37323	Web
I have been dealing with First Financial Asset Management ( FFAM ), for several months about a bill from XXXX XXXX XXXX XXXX. FFAM says I owe {$300.00} total, {$250.00} for car damages to a side window and {$50.00} for an administration fee. Now the rental car did get broken into and I had to pay the repairs up front before I could even rent a new car. I sent the credit card statement to FFAM showing where I paid and my receipt from XXXX XXXX. Plus, you have to have an active credit card on file with a car rental company. In XX/XX/XXXX FFAM said that that the damages I paid for originally wasnt the same thing that they are trying to collect on. I then asked for an itemized list of the charges and they said I should have it within 3-7 business days. They did not even mail it until XX/XX/XXXX. Then the invoice in the letter was the one that I already paid and not even this {$300.00} that I owe. So I called FFAM on XX/XX/XXXX and was told that I have the invoice. Also, I realized the account number they claim is mine from XXXX XXXX isnt even my account number. I have gathered that there is no invoice for the {$300.00}, but they said they would mail it and I should receive it within 3-7 business days. However, when I ask for them to give me details about the invoice for the {$300.00} they just say that they are looking at it. I know they likely make commission off collecting this debt, but I want someone to just get rid of this debt that never existed to begin with. I know these individuals are just trying to do their job, but I want this over with.
09/11/2017	Yes	Debt collection Medical debt	Attempts to collect debt not owed Debt was paid	NH 03060	Web	Servicemember
During XXXX 2013, I went into XXXX XXXX XXXX ( Medical/Health Care ) with XXXX XXXX. During my stay, 2 separate doctors other than the treating physician stopped by to ask what brought me in. I asked both why they asked and each said they heard I was here and stopped by. Neither of these doctors did any treatments but both filed charges as consult visits. My insurance called foul on these charges. I had two insurances XXXX ( through my wife 's job ) and XXXX XXXX XXXX XXXX ( XXXX ). My insurance paid the bulk and XXXX picked up the remainder, I had already met my yearly limit so I had no additional copay. Neither insurance would pay for the bogus charges. After calling the hospital multiple times I was finally told the charges would be removed. I stopped receiving bills and all was well or so I thought. When I went to get my security clearance with the XXXX XXXX, the charges surfaced because instead of removing the charges, the hospital sold it to a debt buyer. I contacted the debt buyer First Financial Investment and they refuse to remove the derogatory information, because they brought the debt from XXXX XXXX XXXX hospital. I have contacted First Financial Investment multiple times explained the account should never have been sent to collection. The Debt buyer First Financial Investment did not care. This is the only negative charge on my acct and it is jeopardizing my job with the military. I want XXXX XXXX XXXX ( Medical/Health Care ) to remove this derogatory mark from my credit report.
01/08/2017	Yes	Debt collection Auto	Taking/threatening an illegal action Seized/Attempted to seize property	LA 71301	Web
I was contacted once by phone from a representative demanding I handle a {$4000.00} balance from an accident I had on XXXX/XXXX/2016, with no proof or verification from the charges. I had made clear I wanted documentation from the damages and list of charges I was to pay for I was told they did not have that information. In my refusing to answer rather personal questions in which I felt very uncomfortable I disconnected the call. A week later I receive a letter from the Office of Motor Vehicles stating my Driver 's License would be Suspended and Registration Certificate and license Plate will be revoked in 30 days. I contacted the OMV and they informed me that I would need to show proof of payment arrangements setup or being made with First Financial Asset Management. I then contacted First Financial Asset Management and they told me since I had disconnected the call that the block was sent by the rep and therefore I must pay XXXX upfront right away because they were aware I needed a legal driver 's license. I was not contacted and made aware of the next action to take place and to impose a {$500.00} charge upfront is unreal and unfair. I made it clear I have a sick mother I care for, and the recent death of my child 's father, and that I could make at least a {$100.00} payment before I had even received the proof of charges, so that shows I was trying to cooperate. This company imposed extra punishments on me out of spite and personal feelings, in turn causing more debt to me.
08/19/2021	Yes	Debt collection Auto debt	Written notification about debt Didn't receive notice of right to dispute	TN 37128	Web
I received mail from FIRST FINANCIAL ASSEST MGMT, INC on XX/XX/2021. FIRST FINANCIAL ASSEST MGMT, INC stated I owed an alleged debt. In this letter it was NEVER STATED I HAD THE RIGHT TO DISPUTE WITHIN 30 DAYS Pursuant To Title 15 U.S. Code 1692g ( a ( 3 ) FIRST FINANCIAL ASSEST MGMT, INC never stated I HAD A RIGHT TO HAVE VERIFICATION/JUDGMENT MAILED TO CONSUMER Pursuant To Title 15 U.S. Code 1692g ( a ) ( 4 ) Also also FIRST FINANCIAL ASSEST MGMT, INC never stated THEY WOULD PROVIDE NAME & ADDRESS OF ORIGINAL CREDITOR IF DIFFERENT FROM CURRENT CREDITOR Pursuant to Title 15 U.S. Code 1692g ( a ) ( 5 ) Also FIRST FINANCIAL ASSEST MGMT, INC says this alleged debt is owed to XXXX XXXX Stating that is false and misleading representation Pursuant to Title 15 U.S. Code 1692e ( 2 ) FIRST FINANCIAL ASSEST MGMT, INC HAS VIOLATED MY CONSUMER RIGHTS ACCORDING TO FEDERAL LAW! FIRST FINANCIAL ASSEST MGMT, INC Is XXXX XXXX & XXXX ACCORDING TO FEDERAL LAW AND Title 15 U.S. Code 1692k. Title 15 U.S. Code 1692k a ) Amount of damages Except as otherwise provided by this section, any debt collector who fails to comply with any provision of this subchapter with respect to any person is liable to such person in an amount equal to the sum of ( 1 ) any actual damage sustained by such person as a result of such failure ; ( 2 ) ( A ) in the case of any action by an individual, such additional damages as the court may allow, but not exceeding {$1000.00} ; or
08/24/2021	Yes	Debt collection Medical debt	Written notification about debt Didn't receive enough information to verify debt	GA XXXXX	Web	Servicemember
The first dispute occurred while I was on XXXX XXXX for the Military in XXXX and XXXX of XXXX. I was not allowed to use a computer or able to access my mail to pay my XXXX card bill during this time. I made a dispute with all 3 credit Bureau and XXXX XXXX and they refuse to help or remove the error based on the circumstance. My account has been paid and in good standing since then and shouldn't be on my credit report due to the fact that I was not aloud to use a computer per orders from the XXXX XXXX at the time. I have uploaded my orders to this file. The second dispute I have is with a company called FIRST FINANCIAL ASSET Account XXXX which was just placed on my credit report as of XX/XX/XXXX. The debt is from a company called XXXX XXXX. They say that I owe them {$1100.00} for a normal physical I had got last year XXXX. A physical that my XXXX insurance should have paid for. Even XXXX shows I had active and valid insurance during this time. XXXX had sent me a bill for this physical for {$260.00}. I made a complaint with them about this because was and issue with my XXXX insurance not being active at the time because I had just got off XXXX XXXX orders in XXXX of XXXX. I ended up paying the out of pocket cost of {$260.00} back in XXXX of XXXX. I uploaded and provided a screen shot of the paid bill and a XXXX balance on my XXXX account per their app. Which is the same cost for the physical that I had one month ago.
05/09/2018	Yes	Debt collection Medical debt	Took or threatened to take negative or legal action Threatened or suggested your credit would be damaged	TX 77377	Web
Step 1 : What is this complaint about? Attempt to collect bogus charges that were not in my Doctors ' agreement. I have attached the formal letter that went to all patients from my Doctor. Step 2 : What type of problem are you having? Attempt to collect bogus monies ( {$1200.00} ) for XXXX XXXX ; a company now in bankruptcy. During a call with the collector, I was told that if I don't make payments, they will need to report our debt to one of the three major agencies. I have NEVER seen a bill for these charges, and if I had, I definitely would have addressed it swiftly. I have worked too hard to obtain my FICO score of XXXX. Also, my Doctor sent formal letters to all of her patients informing us of the bad faith practices of XXXX, and that these charges are at no fault to Doctor or their patients. Step 3 : What happened? When I spoke to XXXX XXXX XXXX via telephone, I told them that I would not be making any payments until they send me a Validation Notice to Prove the Debt. As of this date, I have not received that document. However, now that I have been notified by my Doctor, I seriously will not pay the bill due to their underhanded collection practices. Step 4 : What company is this complaint about? Original Debtor : XXXX XXXX. Company attempting to collect payment : XXXX XXXX XXXX and XXXX XXXX XXXX XXXX. Step 5 : Who are the people involved? XXXX XXXX XXXX and XXXX XXXX XXXX XXXX.
01/30/2018	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt was paid	CA 92562	Web	Servicemember
XXXX XXXX XXXX XXXX ( XXXX ) was collecting from XXXX Insurance and from me. XXXX paid everything except for the deductible amount which was {$1000.00}. XXXX explained that the fees and loss of rental income were requested as a standard practice but were not paid by the insurance or by me. When XXXX XXXX XXXX XXXX contacted me, the representative informed me that their client ( major US car rental agency ) received payment from XXXX but that my payment ( my insurance deductible ) was the only payment outstanding. We discussed the fees and loss of rental income and the XXXX XXXX XXXX XXXX representative explained the same as the XXXX rep ', those fees were not recoverable and their client was happy to let them go. I paid the {$1000.00} ( XX/XX/XXXX ) Today XX/XX/XXXX I received a call from XXXX XXXX XXXX XXXX, the representative said there was bad news and asked for {$620.00}. The rep ' said that amount was outstanding and that I owed. I reminded the rep ' that my situation was handled by insurance and that any outstanding balance other than deductible, was paid by my insurance. The XXXX rep ' got agitated and loud with me, eventually after shouting for a while, he hung up on me. I called XXXX and they confirmed that everything was paid. They even called XXXX and were told that the account was closed. I believe they are trying to scam me.
06/07/2022	Yes	Debt collection Auto debt	Attempts to collect debt not owed Debt was paid	IL 62269	Web	Servicemember
On XX/XX/2021, I went to XXXX XXXX XXXX XXXX, XXXX XXXX and got a rental vehicle from XXXX XXXX moving Department of Defense equipment . I got a rental XXXX from the air port at XXXX EST. I returned the rental XXXX to an XXXX in XXXX PA. The cost of the rental was XXXX. Before my trip to XXXX I requested a rental through enterprise prior to my arrival. When I got to the XXXX at XXXX they tried to give me a car, but I told the personnel there that I requested a XXXX prior to my arrival. The customer agent at that time gave me the XXXX. XXXX alleges that I never picked up a car that I reserved. I did pick up a XXXX, however, I believe the personnel at XXXX failed to pull up my reservation. They have sent a charge for {$640.00} to collection. XXXX bank did an investigation for this charge and said that they will not pay for the charge because it is duplicate and XXXX has failed to ensure they gave me the right rental when XXXX cam to pick up a rental vehicle. I have all receipts, communications with XXXX bank, and my Defense Travel System orders to prove that I picked up a rental, paid for a rental, and returned a rental vehicle. I also have XXXX rebuttal saying that there was no duplicate charge. XXXX gross negligence to research this issue and resolve is borderline harassment at this point due to the use of a collection agency.
10/12/2021	Yes	Debt collection Credit card debt	Took or threatened to take negative or legal action Sued you without properly notifying you of lawsuit	OH 441XX	Web
Re : case # XXXX XXXX First Portfolio Ventures in XXXX XXXX XXXX Plaintiff told court that they had 'perfected service on me ' regarding this case. From middle XX/XX/2020 to late XX/XX/2020, I was hospitalized with a life-threatening medical emergency and required XXXX XXXX XXXX XXXX XXXX. During this time, I was completely unaware that any proceeding was being levied against me by First Portfolio Ventures I LLC through their legal counsel of XXXX XXXX. Because of this life-threatening medical emergency, I was physically incapacitated and could not have made any kind of response even if I had known that this was going on. Proof of Medical Records of this can be provided upon request. While I was in the hospital and in rehab, there was no one authorized to sign any signature cards for certified mail on my behalf. I believe that XXXX XXXX has submitted falsified documentation to the court that they perfected service on me. I requested that the documentation they submitted to the court be provided to me for verification of signature. None has been forthcoming. I consulted an attorney on this and was told " Mail carriers have been signing for certified mail deliveries themselves during the pandemic. This may have happened in your case. You might be able to get the default judgment thrown out if that is what happened. ''
06/28/2018	No	Debt collection Other debt	Written notification about debt Didn't receive notice of right to dispute	WI 532XX	Web
The nature of my concern : I received a call and voicemail from XXXX XXXX from XXXX XXXX XXXX XXXX XXXX stating I owed a debt on XX/XX/XXXX regarding a debt they were trying to collect. The FDCPA requires the collection agency to send me a validation of debt with the first 5 days of XX/XX/XXXX which XXXX XXXX XXXX XXXX has failed to do. I disputed the debt and as of today XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX has failed to send me an itemized bill, or validate the debt. On XX/XX/XXXX, I received two calls from XXXX XXXX XXXX XXXX from a number they have never used before and they failed to leave me a voicemail stating who they were. I answered another call from them and a lady stated she was from XXXX XXXX XXXX XXXX Pre-Legal Department. I notified her that I disputed the debt, and the phone call ended. XXXX XXXX XXXX XXXX XXXX has left my voicemails and called me on XX/XX/XXXX 2 voicemails on XX/XX/XXXX 1 vm on XX/XX/XXXX 1 vm on XX/XX/XXXX 1 vm on XX/XX/XXXX 1 vm XX/XX/XXXX This is despite the fact on XX/XX/XXXX I disputed the debt and per the FDCPA, XXXX XXXX XXXX XXXX XXXX was to stop all communication with me and collection efforts until they mailed me a validation of debt notification. Also on XX/XX/XXXX they violated the FDCPA by contacting me without notifying who they were, what there business was.
05/02/2022	Yes	Debt collection Credit card debt	Threatened to contact someone or share information improperly Talked to a third-party about your debt	OH XXXXX	Web
Hi, I fell behind on a loan with XXXX XXXX. I due owe a debt to XXXX XXXX, that is not the problem. The problem was someone calling claiming to be a third party debt collection agency here in XXXX. The caller used a stage name and refused to contact me via email or US Mail. He also used racially-charged language and claimed he could show up at my employer if I didn't give him my credit card number. Also, he said that XXXX XXXX has charged off my account which is false. XXXX XXXX said I can simply begin to pay back the loan as my situation improves. The person in question is XXXX XXXX XXXX, XXXX XXXX at XXXX XXXX. He has been calling my underage son at his school. My son 's teacher answered my son 's phone XXXX XXXX XXXX made a threatening remark, hung up, and kept calling throughout the day. I am a retired XXXX XXXX and had to return to day work after my wife passed away. I was fired from another assignment simply because I was " overqualified '' and now am working three jobs just to make it by. I have made a video of XXXX XXXX XXXX and attached the video herein. He is a wanted felon out of the state of Illinois and moves from one HUD household to the other. I know where he currently lives, gets liquored up and where we frequent adult entertainment in XXXX, OH. XXXX XXXX XXXX
11/09/2021	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt is not yours	OH 452XX	Web
I picked up a XXXX XXXX from XXXX XXXX at their XXXX airport location on XX/XX/2021. XXXX is owned by The XXXX XXXX. It was given to me with a crack running alongside the bottom of the windshield. It was verbally acknowledged by the lot attendant at the time of pick up, and was not an issue for me. I assumed they knew they had given me the car in this condition, and unfortunately I was in a hurry and did not take photos there on the lot. That was my mistake apparently. I returned the car to their XXXX XXXX airport location on XX/XX/2021, and it was inspected upon return. There were no issues brought to my attention, and no mention of the windshield. In XX/XX/2021, representatives of XXXX began contacting me demanding payment for the cracked windshield ( that I did not crack ). I requested that they provide me with the previous rental records for that specific vehicle. These documents should indicate when the damage to the windshield occurred. They immediately ceased contacting me. However, on XX/XX/2021 I was notified that this matter is now in collections against me, and around {$800.00} is owed by me for the windshield. This is ridiculous. I need this matter stricken from my credit report and I need XXXX to provide me with the car 's damage reports prior to my rental.
04/24/2017	Yes	Debt collection Medical debt	Written notification about debt Didn't receive notice of right to dispute	PA 15235	Web
Notified on XXXX / XXXX / XXXX that my Credit Report had changed due to Collections filed against me with all XXXX major Credit agencies .by First Financial Investment Funding . First Financial had made no attempt to communicate with me regarding the debt prior to my discovery. XXXX provided me with their contact information. When I spoke with them they told me they had no obligation to contact me. I disputed the debt and asked for verification. With the information they had given me I contacted the debtor myself ... XXXX XXXX XXXX , XXXX Georgia. The Hospital faxed me documents from XXXX verifying the debt. I paid the debt immediately. Had First Financial Investment Funding simply followed the guidelines regarding debt collection my credit rating would not have been compromised. My research on First Financial Investment Funding has shown what they did to me constitutes the way they do business. If this company is allowed to continue this practice them the guidelines are meaningless. Aside from what they actually did, the few conversation I had with them leads me to believe there are issues regarding them that should concern us all. Because they did not follow the rules I would like them to remove all negative remarks from my Credit Report.
06/08/2023	Yes	Debt collection Other debt	Written notification about debt Didn't receive notice of right to dispute	NC 27526	Web
I received a letter yesterday from XXXX XXXX XXXX XXXX XXXX that stated First Portfolio Ventures I, LLC account number XXXX on XXXX the debt was owed to XXXX XXXX XXXX. I do not owe XXXX XXXX XXXX {$10000.00} and I don't owe First Portfolio Ventures I, LLC either. This account doesn't belong to me this is a business account for restaurant equipment and I never owned a restaurant either. I have asked XXXX XXXX XXXX on numerous occasions to send me the contract showing that I brought and owe this debt for restaurant equipment to no avail. I still haven't received proof of claim to this date. My name is a very common name and therefore I do not wish to be contacted any further about this debt until you have the proof of debt, like the contract, what was ordered, where was it delivered to, who signed for it and what business did it go to. For the record I have never received any written notice from First Portfolio Ventures I, XXXX therefore if they brought this account from XXXX XXXX XXXX I suggest you get a refund and stop selling this loan off to other credit collections agencies just because you've been had by XXXX XXXX XXXX thinking you could pay them pennies on the dollar and get $ XXXX out of me for a debt I don't owe!!!! Stop breaking the law!!!!
03/30/2018	Yes	Debt collection Credit card debt	Threatened to contact someone or share information improperly Contacted your employer	NC 28562	Web	Servicemember
I have a debt I am working with the original creditor on and am receiving calls from XXXX XXXX XXXX XXXX. XXXX XXXX with XXXX XXXX XXXX XXXX contacted me at my place of work and I informed him to delete the number from my account and add my personal number. The next day I received a call back from him and again told him to delete the number and that I am not authorized personal calls of any type at my place of work. During this phone call I also spoke to XXXX XXXX supervisor and reiterated 2 times that I am not authorized personal calls of any type at work. On XX/XX/2018 at approximately XXXX XXXX XXXX I received a third call from XXXX XXXX at my place of work. I informed him for a third time that I am not authorized personal calls of any type at work. XXXX XXXX stated that there " was no note on my account stating that I am unable to receive calls at work. '' As stated by XXXX XXXX and his supervisor at XXXX XXXX XXXX XXXX all calls are recorded. Review of phone call recordings will reveal that I informed both XXXX XXXX and his supervisor that I am not authorized to receive phone calls at work. With the insistent calling to my place of work after being informed I am not authorized calls at work is in direct violation of law.
08/06/2020	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt was paid	SC 29063	Web
On XX/XX/XXXX I had a minor claim ( hit and run ) on a vehicle I had rented from XXXXXXXX XXXX XXXX. My insurance paid all of the damages to the vehicle- {$1100.00}, but XXXX said I owed them diminution ( loss ) of value, administration fees and loss of use. I verified with my insurance company that these are not causes for loss in this type of claim. I reviewed my rental contract carefully and also discovered the Physical Damage Waiver I signed did not specify these types of claims for any loss. On XX/XX/XXXX, I sent a letter of final payment and conclusion of the claim to XXXX with a notice that I would contest the additional unwarranted and unsubstantiated charges. I also stated that I would not pay the additional fees and would contest them if they sent the file to collections. At the end of XXXX, XXXX, I received a collections notice from First Financial Asset Mgmt. Inc. ( FFAM ) claiming an additional {$300.00} owed. There was also an offer of a reduced payment of {$220.00} to " resolve this indebtedness ''. On XX/XX/XXXX I spoke with a representative at FFAM and sent them an email with all of the information concerning the claim including my communications with XXXX.
01/28/2023	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt was result of identity theft	FL 32003	Web	Servicemember
I was the victim of identity theft and a loan with XXXX was taken out fraudulently in my name. I submitted the required paperwork with XXXX to initiate a fraud claim on XX/XX/2022. On XXXX XXXX, XXXX XXXXXXXX confirmed that my fraud claim was substantiated. As of today. XXXX XXXX, that claim was confirmed XXXX additional times, on XXXX XXXX and XXXX XXXX. Due to administrative error, the debt was sold to First Portfolio Ventures on XXXX XX/XX/2022. I also received a letter from First Portfolio dated XXXX XXXX. I contacted XXXX about this, and they confirmed on XXXX XXXX, both via phone call and email, that the fraud claim was substantiated and I was not responsible for the debt. Further, they stated that they had purchased the debt back from First Portfolio Ventures. On XXXX XXXX I received a letter from XXXX XXXX XXXX saying that I still owed the debt. I contacted XXXX on XXXX XXXX and was directed to forward my documentation to XXXX. I did so, however when I returned a phone call from XXXX later in the day I was told that my fraud claim had been rescinded and that I need to pay a minimum of {$3200.00} to clear the debt. I refused to do so and the agent ended the call.
03/26/2019	Yes	Debt collection I do not know	Communication tactics Frequent or repeated calls	PA 18104	Web
Week of XX/XX/XXXX, a company who calls themselves " First Financial '' called my XXXX year old mother 's home looking for me. Mother 's phone # XXXX. The call came from # XXXX. They asked for me by a prior name, ( XXXX XXXX ). I haven't had the last name XXXX in over 9 years. They told my mother they were looking for me to collect a debt and they had a 'claim ' against me. My mother tried to find out more information but they refused to give her anything. My mother was highly upset which is not good for an elderly woman. I personally called XXXX to find out more about it. I spoke with a man calling himself XXXX who said he was from XXXX GA, company named First Financial. I asked what he wanted and he said he had a claim on XXXX XXXX. I told him my name was no longer XXXX XXXX. I asked him to stop calling or at least mail something to me and he refused. I asked him to stop calling my mother and he said until it's resolved he won't take the name XXXX XXXX off of his list and won't take my mother 's phone number out of his list either. I want this stopped. I had a bankruptcy in XXXX under the name of XXXX XXXX and I shouldn't owe anyone anything.
11/01/2019	Yes	Debt collection Auto debt	Written notification about debt Didn't receive notice of right to dispute	CA 90020	Web	Older American
On XX/XX/XXXX I got a demand of payment from a company named, FIRST FINANCIAL ASSET MGMT INC. they alleged, that I owed them $ XXXX.I sent them a letter right after I recieved their letter, of a contractual relationship, between I and them and ..which will make FIRST FINANCIAL ASSET, a company entitled to enforce a commercial claim against me ... I also said that this letter is not for a " verification '' or " validation '' ... ... ..which they haven't shown me ... ... ..they keep on trying to collect this money from me, without showing if they are entitled to this money ... .I also informed them that this letter was a request for proof of contract to substantiate your claim ... ... ..therefore provide a certified copy of an original contract, with my signature, specifically naming your company as a person, entitled to enforce a commercial claim against me ... ... .to this day they haven't done this yet ... ... ..I just got another ( XX/XX/2019 letter of demand for payment, now they are lowering their price, to XXXX all I want is for this company to stop their collection efforts ... ... Thank you ... ... XXXX XXXX.
08/11/2021	Yes	Debt collection Medical debt	Attempts to collect debt not owed Debt is not yours	GA 30062	Web	Older American
First Financial Asset Mgmt. Inc. ( FFAM ), a collection agency, on behalf of XXXX keeps sending me debt collection notices and keeps calling me for {$51.00} that I have never charged. I have provided them with written explanation and showed them the status of my account with XXXX that clearly shows that I do not owe them anything. I have not sought any services from XXXX in XXXX. For XXXX, I have paid XXXX {$3000.00}, my full out of pocket contribution and my insurance company has paid the rest ( over {$30000.00} ). Thus, I do not have any outstanding balance from XXXX. In addition, I have never received any invoices from XXXX for {$51.00}. As of today, my account in XXXX 's systems shows {$0.00} balance and in excellent standing. I have requested both XXXX and FFAM to provide me the details of their claim and they have failed to do so. I have informed both XXXX and FFAM, that if there were any outstanding balance from XXXX, they should present the claims to my insurance company and they would pay for it as I have already paid out of pocket maximum of {$3000.00} that I am obligated to do.
04/12/2019	Yes	Debt collection Medical debt	Attempts to collect debt not owed Debt was paid	GA 30080	Web
On XX/XX/2019 I contacted First Financial Asset Management to settle a debt that was originally owed to XXXX XXXX. They informed me of the amount that I owed, and after I explained that I have been going through financial hardship recently, they told me that we could settle the debt if I could make a one time payment of {$160.00}. That was more than I could afford, but they assured me that if I paid that plus the {$5.00} processing fee, my debt would be settled and removed from my credit report. I even asked if a payoff would be sent via email after the payment and they said that it would be. I was then transferred after I scraped together almost everything I had at the time to make the two payments. I asked the person taking the payments if I would receive a payoff email and she said that I should along with receipts for my payments. After the call I only received receipts for my payments and I assumed the debt had been settled. The next update to my credit report showed that I still had a balance of {$40.00}. I feel as if I was mislead and tricked into making a payment by this company.
04/21/2015	No	Debt collection Medical	Disclosure verification of debt Not given enough info to verify debt	IL 618XX	Web
I received a phone call from a debt collector with FFIF-ACM Opportunity Fund claiming to represent XXXX Hospital in XXXX FL. I recorded the call which lasted for XXXX minutes until the representative hung up on me. I informed the representative that I was recording the call at the beginning of the conversation. I asked her for the address of the company. She asked me why I needed the address, and I informed her that I only deal with financial matters in writing. She refused to provide it to me. I asked ten more times for the address, to which she replied that she could n't understanding me and that I was cutting out due to my bad reception. She then stated that when I have better reception, I could call back and she would give me everything I needed. She never provided me with a company phone number and the call came from an unpublished number. She also refused to repeat the name of the company when asked. I attempted to validate this debt with another debt collection agency that formerly owned the debt ( XXXX ). The debt was never validated and was removed from my credit in 2013.
01/24/2022	Yes	Debt collection Credit card debt	Written notification about debt Didn't receive enough information to verify debt	OH 44102	Web
I sent in a request to first ascertain whether or not first portfolio ventures have the right to collect a debt from a credit card I owe money to called indigo credit card. I sent them a debt validation letter in XX/XX/2021 by certified mail and I never heard back from them. The debt was for about {$960.00} and I intentionally contacted them with a debt validation letter to which they did not respond to within 30 days. Because they didn't do this I sent them another letter stating that they had no right to collect on the debt based on the fdcpa laws and left it at that. For some reason they keep attempting to contact me to collect the debt. The debt should have already been eliminated and if they try to report it to my credit heroes that would be illegal. I am concerned that they will do that because it was mentioned briefly during an argument with one of the debt collector agents. I have also already asked them to cease and desist in writing and they did not respond back. The certified mail # is XXXX and the debt validation follow-up was delivered on XX/XX/2021.
09/18/2018	Yes	Debt collection Other debt	Communication tactics You told them to stop contacting you, but they keep trying	TN 38017	Web	Servicemember
I received a call today from a debt collector from this agency regarding a debt they claim I owe. I initially could not get to the phone in time so I called the number back. I was informed they were trying to collect a debt. I told them that I would prefer not to be called but would instead like to correspond via email or mail and asked for written confirmation of the alleged debt be sent to my home address they have on file. The collector said that the collection calls would continue and insisted on me submitting a post-dated check for the full amount of the debt to which I refused. I again stated that I would only deal with this matter once I received validation of the debt and they again reiterated that calls would continue. In addition this debt collector is This is not acceptable and therefore I am formally filing complaint against the collection agency and again requesting validation of the debt be sent to my address they should have on file. Once received and verified that this is indeed a debt I owe then I will make arrangements to satisfy the debt.
05/01/2022	Yes	Debt collection Credit card debt	Communication tactics You told them to stop contacting you, but they keep trying	NJ 08302	Web
I received notice from XXXXXXXX XXXX XXXXXXXX regarding a debt that I did not recognize and filed an identity theft case with FTC on the identity theft website and sent a letter of validation to XXXXXXXX XXXX XXXXXXXX on XX/XX/2022. On XX/XX/2022 they requested a default judgment and did not comply with my letter within 5 days and continued to collect the debt and sue me. I did not receive any validation so I sent a second letter of validation dated XX/XX/2022 and specifically stated that they should send me everything in writing and to stop all phone calls. XXXXXXXX XXXX XXXX continued with the case and filed for a summary judgment on XX/XX/2022. On XX/XX/2022 they continued to call my phone and left a voicemail message to call them which violated my cease and desist letter regarding phone calls. On XX/XX/2022 I received a notification from XXXXXXXX XXXX XXXX which included information about the debt which I disagree with so I filed an objection to the summary judgment on XX/XX/2022 and oral arguments will be heard on XX/XX/2022.
06/06/2021	Yes	Debt collection Medical debt	Written notification about debt Didn't receive enough information to verify debt	GA 30047	Web
On XXXX XXXX, I made the horrible decision to have a one time visit for a fully covered annual well visit with XXXX XXXX XXXX XXXX XXXX with XXXX XXXX which was an unpleasant experience. This was my one and only visit in XXXX due to Covid-19. However, XX/XX/XXXX, a collection randomly popped up on my credit reports with an original creditor of XXXX XXXX XXXX in which I have never received any bills or communication from nor have I even had a visit with furthermore for XXXX. I have XXXX XXXX account in which I have only received statements for a XXXX balance for the one visit I had which has been paid. This company placed a XXXX balance that they never made me aware of nor provided an opportunity to dispute or pay but just placed in collections which is not acceptable. To date, I have not received any notification from XXXX indicating a {$52.00} balance, any statement or communication in the mail from the original creditor or agency they placed the alleged balance with that it exists outside of placing it on my credit reports.
11/15/2016	Yes	Debt collection Medical	False statements or representation Attempted to collect wrong amount	UT 84044	Web
I made an arrangement to make a payment on XXXX/XXXX/16. On the Friday prior, XXXX XXXX, I called at XXXX MST to cancel the arrangement as I have started working with a debt consolidation company. I called during business hours and did not receive a call back even though I left a message requesting a call back AND requesting they stop payment. I gave them more than 48 hours to do so. I called XXXX as well. I continued to call on Monday and had to leave multiple messages for a XXXX XXXX. I did not get a call back from her until Tuesday the XXXX. After not having any resolution and being told I did not call Friday, I asked for a review. She said she would have compliance pull the calls. Again I went a couple days before she told me I did not have any calls on Friday. I have a record of all the calls on my cell phone bill. They charged my account which also started a domino affect of overdrafts fees. I have now left a message for their compliance department and have not received a call back regarding resolution on the account.
05/21/2015	No	Debt collection Other (i.e. phone, health club, etc.)	Cont'd attempts collect debt not owed Debt was paid	SC 29403	Web
Debt originated from an XXXX made via my prior employers credit card & while operating under my prior employers insurance plan. Rental was under my name. Insurance company rejected claim ( which was under the deductible. ) I repeatedly told callers this, and they ignored my attempts to explain that I was not the person who was responsible for the claim. After 2 months of continued and almost daily calls I arranged payment via my former employers & confirmed that the debt originating from the XXXX was paid by my former employer directly to XXXX. Calls have continued despite my confirmation that this debt has been closed in XXXX books. I am in the process of procuring a letter from XXXX confirming this fact ( awaiting arrival electronically. ) An attempt was made to say that I would be on an XXXX " do not rent '' list and that I would suffer personal consequences from this as a result of my supposed failure to pay. This was a lie doubly as my debt had been paid, & if such a list existed I would most certainly not be on it.
10/16/2019	No	Debt collection I do not know	Communication tactics Frequent or repeated calls	FL 34202	Web
We keep receiving phone calls from different phone numbers ( the most recent was XXXX ) informing that there is a " case '' on file that they intend to move to the court if not settled. The last voice message they left asked to call them @ XXXX to talk to their consultant. We didn't call as we have no legal cases with whoever it could be. And we have no intention to talk to them. If there is any issue we want have everything on paper first. These calls are repeated for long time during the last few years. We have no known to us issues with any vendor or service provider nor received any mail in any legal case. Internet research shows the phone number XXXX is often used by the company FFAM 360 First Financial Asset Management ( XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX, GA XXXX ). The research also showed that there was a lot of similar to my complaints against this aggressive, harassing practices on behalf of this company. We do believe such practices should be stopped and prosecuted if continued.
09/16/2016	Yes	Debt collection Medical	Taking/threatening an illegal action Sued w/o proper notification of suit	GA 30106	Web
I have NEVER done any type of business or personal correspondence, conversation or email with First Financial Investment Fund about ANY matter AT ANY TIME and am being unfairly targeted. First Financial Investment Fund has obtained my personal information, informed XXXX third parties they were suing me but NEVER INFORMED ME OF ANYTHING AT ANY POINT. I found out I was being sued by First Financial Investment Fund via the law offices of XXXX XXXX XXXX and XXXX XXXX XXXX attorneys at law whom sent me letters offering me legal services because First Financial Investment had given them a court case number to the lawsuit they filed against me. I was never made aware of any suit or any implied debt at all by First Financial Investment Fund and their practices are fraudulent by taking legal action against me over a debt that is invalid and not owed. First Financial Investment Fund is targeting me because I am a single, XXXX female mother who receives government assistance.
12/07/2023	Yes	Debt collection I do not know	Written notification about debt Didn't receive enough information to verify debt	PA 19401	Web
I sent a formal letter to your company requesting the following and it has not been provided. I requested validation of debt but I am only getting stall tactics. I did not request bank statements, I requested proof that I owe your company. Failure to do so shall result in this file being removed and deleted. Here is what I requested. Agreement with the original creditor that authorizes you to collect on this alleged debt and/or verification that this alleged debt was assigned or sold to you. The agreement bearing my signature stating that I have agreed to assume the debt Valid copies of the debt agreement stating the amount of the debt and interest charges Proof that the Statute of Limitations in ( Your State ) has not expired Complete payment history on this account along with an accounting of all additional charges being assessed Proof that you are licensed to collect in my state ; and Your license numbers and Registered Agent or Agent of Service.
06/12/2017	Yes	Debt collection Medical debt	Attempts to collect debt not owed Debt was paid	GA 30228	Web
I had XXXX in XX/XX/XXXX . I had medical insurance and I never received a bill from the hospital concerning the XXXX . Three years later, I received a notice from a debt collection agency stating that I had a balance due from the XXXX . The balance was {$1100.00}. The debt collection agency has tried numerous times to contact me via phone calls and notices in the mail. On XX/XX/XXXX , the debt collection company filed a claim against me through my local county 's magistrate court. Last month, I obtained a copy of my credit report and the debt collection agency has placed the debt on my credit report as a collection. I do not owe this debt. I never received a bill for {$1100.00} from the hospital in the years following the XXXX . The hospital where the XXXX took place has filed bankruptcy within the last few years and is under new management. I believe this bankruptcy has forced this new company to try to obtain monies from past patients.
11/24/2021	Yes	Debt collection I do not know	Communication tactics You told them to stop contacting you, but they keep trying	TX 78249	Web
I received multiple phone calls from different numbers trying to collect on a debt that is not mine ( XXXX XXXX ). Because I do rent cars from XXXX, I called XXXX just to make sure there was no issue. ( I pay each rental from a XXXX credit card, not XXXX ). XXXX stated that I have a zero balance and no issues. On the next call from XXXXirst Financial Asset Management ( FFAM ), I let them know that there is no debt and they may have the wrong person. They continued to call. I blocked the number. I was finally a written request to resolve the debt at a discount. I called FFAM today, XX/XX/2021, to let them know that they either have the wrong person or this is a fraudulent attempt to get money. I asked if they could verify my date of birth or the last four of my social security number. The agent had no information on me except phone number and address, which I find extremely suspicious. They have now stated that they will take me off their phone list.
04/28/2017	No	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Problem with a credit reporting company's investigation into an existing problem Difficulty submitting a dispute or getting information about a dispute over the phone	MI 49509	Web
First Financial in vestment fund is reporting a debt on my credit report per my lender who is refinancing my home. It 's actually preventing me from refinancing because it 's bringing down my score. I have called and they claim to not have my name on file, however they are n't helping me get the collection off my credit. I spoke to them las t Tuesday the XX/XX/17 a nd they said my name is n't on file with them. I called them last month as well and then disputed with XXXX . They answered the dispute and said I owe the money, but they wo n't allow me to pay the account. I do n't believe I owe this money and it 's frustrating that I call and they do n't have my information. My lender even contacted them with my permission and they could n't verify my information. They even had me send a letter authorizing my lender to verify the debt. Then they had my lender send a fax asking for more information and they have n't replied.
12/20/2023	Yes	Debt collection Medical debt	Attempts to collect debt not owed Debt is not yours	WA 991XX	Web
First Financial Asset Management is attempting to collect a debt from someone ( myself ) who did not incur the debt. I've attached their response letter and am putting this complaint into the public record. First Financial Asset Management is attempting to disparage my reputation and credit history by attaching someone else 's debt to me. Their response letter clearly indicates they think I am the " XXXX XXXX '' they are looking for, but I am not. First Financial Asset Management 's actions clearly indicate the haphazard behavior that the debt collection industry employs, and they should be allowed to harass and villainize and innocent party such that they have in this instance. If you are a state attorney general looking for proof of bad actor activity by the debt collection industry, feel free to reach out to me ( XXXX ). I will work with you, and present proof of my claims, unlike First Financial Asset Management.
01/03/2023	Yes	Debt collection Payday loan debt	Attempts to collect debt not owed Debt was result of identity theft	TX 77433	Web
I am a victim of identity theft. The information listed below, which appears on my credit report, does not relate to any transaction ( s ) that I have made. It is the result of identity theft. A XXXX loan account ( XXXX on XX/XX/2021 ) Please block this information from my credit report, pursuant to section 605B of the Fair Credit Reporting Act, and send the required notifications to all furnishers of this information. Enclosed are the following : A copy of my credit report I received from your company. The fraudulent items are circled. A copy of my Identity Theft Report and proof of my identity. A copy of section 605B of the Fair Credit Reporting Act, which requires you to block the fraudulent information on my credit report resulting from identity theft within four business days and to promptly notify the furnisher ( s ) of that information. I appreciate your prompt attention to this matter, and await your reply.
05/08/2023	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt was result of identity theft	PA 19141	Web
My name is XXXX XXXX I am a consumer submitting this complaint on the behalf of my self without any influence from any third party being involved. Fraud had been committed, XXXX XXXX XXXX XXXX XXXX is using extortionate means to collect on an alleged debt. I do not owe that resulted from extension of credit which violates tittle 18 USC 892-894 and constitutes racketeering actives and extortion. on XX/XX/XXXX and XX/XX/XXXX a debt validation letter was sent This is a notice sent as per the Fair debt Collection Practice Act ( F.D.C.P.A ) 15 U.S.C. 1692 ( G ) section 809 ( B ). This is a request for accounting request raiding list of collateral or statement of account reference to U.C.C 9-210. This authenticated record must include all tax fillings ( including all 1099 's, and 1098 's ) any and all trades and /or investments and /or interests associated with this account of which I am alleged to be a party.
10/22/2019	Yes	Debt collection I do not know	Communication tactics You told them to stop contacting you, but they keep trying	IL 60639	Web
I have been receiving repeating calls from this company. On Monday XX/XX/2019 @ XXXX. I advised the representative not to call my phone number, she told me if I didnt verify my identity she will continue, I told she would be breaking the law. At XXXX XXXX, I received another call from another representative. I also told this representative not to call my cell phone number again and the fact they contact me 2x after I said not to call was harassment. XX/XX/2019 at XXXX I received another phone XXXX XXXX at XXXX, I received another phone call. Ive had 2 XXXX XXXX XXXX in XX/XX/XXXX/XX/XX/2019 and is no position to become upset or harassed. I have any documents and doctors who support this. As a person I have been harassed and also been violated. Ive asked them several times not to contact my cellphone number and they continue to contact me. Its been so many FDCPA violations made.
12/01/2017	Yes	Debt collection Medical debt	Written notification about debt Didn't receive enough information to verify debt	IL XXXXX	Web
Several times, since the month of XXXX ( XXXX ), I have been trying to reach out to XXXX XXXX XXXX, via email regarding a debt ( {$1400.00} acct # XXXX ) that they claim I owe. Said debt is being reported on negatively on my credit report ( s ). I have asked for validation of debt ( original contracts with signature, etc ) However, the company has not complied with my request, of which should be honored by law. My reason for demanding validation, including my signature, is because I have had medical insurance for well of 10 years and I NEVER received any outstanding bills to be paid ( from said original creditor-XXXX XXXX ). Either the hospital did not allow enough time for the insurance to pay the bill or they never submitted one- but either way, I was never notified and these items ( IF PROVED TO BE MINE ) should not be reporting on my credit report!
10/27/2020	Yes	Debt collection Credit card debt	Written notification about debt Didn't receive enough information to verify debt	CA 93311	Web
The Issue Im having with this company is I want pay it on a but every time Ive called the phone number that was given to me for this company, they have not answered my call and since Ive even left messages they have not replied so I came to the Idea of filling out a complain to see what can be done with this inconvenience. I am trying to settle the balance because Im going through a hard situation and I am sinking into debt because me and my husband both lost our jobs, he has currently found one but hes not getting full time and we do not know if it would get better or worse, maybe he could get called to get informed that they dont need him no more by how we see that the job is going these days but we are still trying to do the right thing but this company just won't take the call or neither contact me in regards of the balance that I owe them.
08/08/2018	No	Debt collection Medical debt	Written notification about debt Didn't receive enough information to verify debt	TX 78244	Web
After reviewing my credit profile on XX/XX/2018 I identified a discrepancy with account listed under 1st Financial Investment Fund. I requested a validation on XX/XX/2018 as there were 2 accounts that I did not recognize. I reviewed my credit report again on XX/XX/2018 and account was still on my credit profile and did not reflect a disputed status. Therefore on XX/XX/2018 I sent a direct dispute to XXXX requesting that account be removed from my profile as the creditor failed to validate the account in a timely manner. Credit report was reviewed again on XX/XX/2018 and the account is still reflecting on my report and I do not believe the account belongs to me nor that the creditor has authorization to legally access my medical records and to attempt to collect on this account and this account continues to negatively affect me.
04/25/2022	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt was paid	MI 48167	Web
XXXX XXXX XXXXXXXX First financial asset management continues to contact me on behalf of XXXX XXXX XXXX stating that I owe them {$100.00}. I have repeatedly contact XXXX XXXX and my XXXX card company because the debt was paid twice actually on XXXX the XXXX of XXXX and I have proof and the debt was also paid a second time by accident on XX/XX/XXXX. Financial asset management has continued to harass and call me they will not send me anything via mail or email they will not let me just do the charge they will not validate the charge with XXXX. XXXX has indeed provided the information that the debt was paid twice. I don't even know what the dead is for I don't even know what the {$100.00} was charge on my card without permission what it was for nobody has told me however, it was just charged on my card without reason.
11/17/2018	No	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Old information reappears or never goes away	GA 30238	Web
I issues a prior complaint. Complaint number ; XXXX with the XXXX and complaint number XXXX on XX/XX/2018 against XXXX XXXX XXXX XXXX. They are reporting on a debt that is unverifiable and not accurate. They refused to remove information from my credit file and attempted to reage old debt. When asked for verification and validation ( several times ), they did not provide proper information per FDCPA. on XX/XX/XXXX during premeditation this case was dismissed because the lawyer from their firm acknowledged there was not sufficient information about this account. The case number is XXXX. The case was dismissed because of lack of information. Please remove this inaccurate derogatory information from my credit file or I will sue and seek the damages owed to be for repeated violations of FDCPA and lost wages.
02/16/2017	No	Debt collection Medical	False statements or representation Attempted to collect wrong amount	TX 78222	Web
I was contacted by XXXX I was told I have debt from 2014 for XXXX when I contacted XXXX they advised it was from missions trails they also said the debt was only in the XXXX when I contacted the debt collection and ask why they are trying to collect more, the rep insinuated it 's due to the debt was sold to a collector as if there is a charge for it. I knew they buy the dept for sometimes pennies on the dollar so I advised I contact them back on that debt. They have other debts from over XXXX yrs ago they keep trying to collect and I keep telling them I 'm not aware of and I 'm not able to verify with the original creditor so I do n't believe they are mine and will not be paying them. Then they sent me two letters showing the incorrect amounts from the one hospital that actually had a true debt I owed.
01/23/2018	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Account status incorrect	GA 30135	Web
Debt for XXXX XXXX was cancelled and reported to the IRS as income in XX/XX/XXXX. XXXX XXXX still reporting full amount delinquent. If debt has been cancelled and account closed they should not still be reporting full balance amount. I contacted XXXX XXXX on XX/XX/XXXX and XX/XX/XXXX to inquire of this reporting and were advised they do n't have to stop reporting if the debt is cancelled but the amount they are reporting is incorrect for a cancelled debt. First Financial is reporting a balance of XXXX on my credit report and the XXXX was paid in full but they are refusing to remove the XXXX because I have another balance in their office of a lesser amount. I contacted First Financial on XX/XX/XXXX to ask to remove the XXXX from credit report as it is what is reporting and was denied that request.
11/25/2020	Yes	Debt collection Medical debt	Attempts to collect debt not owed Debt was paid	GA 30066	Web
During a credit pull by our bank for a mortgage loan, we noticed a negative hit from First Financial Asset MG ( FFAM ), after further research, we were sent a bill for {$290.00} for XXXX XXXX XXXX. I called and explained that the bill looks to be for the full billed charges and does not show the correct payment and balance owed after medical insurance had been applied. I provided information on payments and insurance adjustments from 2018 and was told that they would research and call me back. I did not receive contact back. I then disputed the charges through the 3 credit credit bureaus. One was over turned and removed and the other two upheld stating they received verification of the debt from FFAM. I am now seeking help from a CFPB to review and help settle this incorrect debt.
03/12/2019	Yes	Debt collection Medical debt	Took or threatened to take negative or legal action Threatened or suggested your credit would be damaged	GA 30096	Web
XXXX XXXX claims to use XXXX XXXXXXXX as their debt collectors, but I have been repetitively harassed by 'XXXX XXXX ' at First Financial for months. She has now threatened to lower my credit score if I don't pay money I do not owe. I have the paper trail from XXXX to prove it. My gap insurance was not handled correctly by XXXX XXXX. XXXX has provided updated EOB 's showing I only owe {$60.00} copay XX/XX/XXXX ( it is XX/XX/XXXX now ). The billing department at XXXX seems unaware of First Financial. I don't know how First Financial would know what XXXX originally said I owed without them interacting, but I know someone must be lying to me and I am being threatened financially due to this negligence. I am attaching the EOB from XXXX proving I just need to pay the copay.
11/09/2021	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt is not yours	CA 94580	Web
I rented a car from XXXX on XX/XX/XXXX XXXX, someone came and hit the car on on XX/XX/XXXX in XXXX XXXX XXXX There was a little damage to the driver side of the mirror. I reported the incident to XXXX, my insurance and XXXX XXXX XXXX. Since this was the fault of other driver XXXX dealt the incident with other party driver insurance. Now XXXX and collection agency is coming to me and saying i owe them money ( {$360.00} ). XXXX and collection agency is harassing me by making calls and sending letters. I made an attempt and explained to XXXX and collection agency on the situation. If there is anything they need to work with other party 's insurance and my insurance not me. I provided them the insurance information of both the parties. Please kindly look into this matter.
01/03/2023	Yes	Debt collection Medical debt	Took or threatened to take negative or legal action Sued you without properly notifying you of lawsuit	GA 30039	Web
First Financial Investment Fund V sued me without properly notifying, the only way I am hearing about this lawsuit is through a Bankruptcy attorney advertisement letter. 15 U.S. Code 1692g ( d ) LEGAL PLEADINGS A communication in the form of a formal pleading in a civil action shall not be treated as an initial communication for purposes of subsection ( a ). The Fifth Amendment of the U.S. Constitution contains a Due Process clause that states : No person shall be deprived of life, liberty, or property, without due process of law ; This law expressly prohibits courts from exercising personal jurisdiction over a defendant unless a defendant receives sufficient notice of the legal proceedings. Improper service violates the rules of civil procedure for Rule 4.
03/07/2018	Yes	Vehicle loan or lease Lease	Managing the loan or lease Billing problem	FL 33908	Web
In early XX/XX/2016, I rented a car from XXXX XXXX XXXX XXXX in XXXX XXXX Florida. I returned the car on time, and paid all rental charges. The employee at the rental car did a walk-around and confirmed that there was no damage to the car. Approximately 30 days later, XXXX insisted that I had caused {$640.00} dollars in damage to the car, which I did not. I have been through 3 different collection agencies for XXXX, and XXXX itself, consistently disputing the claim. The most recent collection agency, XXXX XXXX, sent a demand for payment two weeks ago on a claim that they know is invalid. They also sent a false credit report on the claim to XXXX. I have refused to do any business at all with XXXX since this incident, choosing other rental car businesses.
03/08/2021	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	GA 30127	Web
On XX/XX/2021 a derogatory mark was added on my credit report per XXXX XXXX from First Financial and as allowed under the Fair Debt Collection Practices Act ( FDCPA ), as upon further research, this account was transferred/sold, and I am no longer responsible for the account. Additionally, I am allowed under the Health Insurance Portability and Accountability Act ( HIPAA ) to protect my privacy and medical records from third parties. I do not recall giving permission to XXXX for them to release my medical information to a third party. I am aware that the HIPAA does allow for limited information about me but anything more is to only be revealed with the patients authorization. Therefore my request is twofoldvalidation of debt and HIPAA authorization.
11/10/2020	Yes	Debt collection Other debt	False statements or representation Attempted to collect wrong amount	CA 94585	Web
XXXX XXXX XXXX XXXX contacted me several times about an outstanding debt from XXXX XXXX. I informed the debt collectors that I had no outstanding bills for this creditor. After several months a phone tag I was able to find out that the owner of the debt was actually national rent a car. I agreed to make a payment for the amount due. The payment was scheduled for later in the week on XX/XX/13 however the collector chose to proceed with an unauthorized debit to my account the very next day. Such practice is not only in direct violation of the Fair credit consumer reporting act but also an act of petty larceny. First financial asset management was contacted and one confronted about the issue offered a refund which has not arrived in a timely fashion.
02/18/2019	Yes	Debt collection Medical debt	Written notification about debt Didn't receive enough information to verify debt	GA 30093	Web
I go to check my credit on XXXX XXXX and I realize I have this medical bill in collections. I don't remember ever receiving a bill or notice of some sort. I don't even remember what I was at the hospital for or even if i was there. I go to a credit repair company and maybe a month later and it is off my credit and my credit is raised some points. I am happy and content. As I check my credit again about maybe a month later and it is back on there and my credit drops again. I call the debt collection agency and ask to speak to someone to remove it but they can not remove it. I'm not even sure if this is mine but the balance was low so I paid it in full but they told me they can not remove it off of my credit and only say it was a paid collections.
05/26/2015	No	Debt collection Medical	Cont'd attempts collect debt not owed Debt is not mine	MD 20747	Web	Servicemember
XXXX XXXX XXXX ( Hospital ) failed to submit a claim to XXXX XXXX XXXX for reimbursement in XX/XX/XXXX when I was on XXXX in the military. In XX/XX/XXXX, XXXX representative said the Hospital can resubmit the claim for payment. The hospital representative was contacted to resubmit the claim. A document was requested either by First Financial Asset Management or the Hospital pertaining to my case. The form was sent per their request. The hospital sold the bill to an outside collection department instead on resubmitting the claim. First Financial have XXXX XXXX XXXX attempting to collect the debt. The bill is XXXX and will settle for {$240.00}. I 'm required to pay a bill the hospital fail to submit to XXXX now owed by a collection organization?
12/14/2023	Yes	Debt collection Credit card debt	Threatened to contact someone or share information improperly Talked to a third-party about your debt	FL 32505	Web
First Financial Asset Management has never once contacted me about my debt but had no issues contacting my father via Email. My Father 's email has his full name which is not mine. I am not a minor and I am long from being one. In this email the reason the company identified themselves as a debt collector. Revealed that not only did I owe debt, but also the companies I owed too. They included information to access my case with them. And after further research into what they provided my father could very easily with no effort simply log into my case with them and see the exact amount owed. The email has automatically subscribed him to regular emails as well. So he will be receiving these in the future. I know my rights as a debtor.
02/22/2020	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	GA 30542	Web	Servicemember
Dear Sir/Madam : I am contacting you about the compromising of my social security number. I am a victim of Identity Theft. I contacted the Federal Trade Commission and filed a complaint # and contacted the police department and obtained a police report # which both are attached. Please block and remove all information from my credit report, and send me an updated copy of my credit report. The following items do not belong to me and is a result of fraud that I did not authorize : { XXXX/XXXX {$1100.00} ( FIRST FININANCIAL AS {$220.00} ) Please block and remove all information resulting from Identity Theft pursuant to FCRA 605B ( 15 U.S.C. & 1681 c-2 ), which states that these accounts must be removed within 4 Business Days of receipt.
05/02/2017	Yes	Debt collection Medical debt	Written notification about debt Didn't receive enough information to verify debt	AZ 856XX	Web
! st Financial Investment Fund is trying to collect a debt in the amount of {$2900.00} but have ignored my letters requesting proof of the ownership of the account. I have written them letters requesting they send me this documentation several times but my attempts have been ignored, and I get letters stating I owe the debt but they have never proven the debt is mine despite the attempts. I have nothing in my files that would indicate the debt is mine and i ca n't get this company to provide proof of the debt. How many times does a person need to request proof of the debt from these third party collections before something gets done about them? I feel all my efforts were for nothing because that 's what I got from them.
04/27/2018	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt is not yours	GA 30115	Web	Older American
Received a debt collection notice via mail on XX/XX/2018. Company that supposedly purchased the debt ( {$1800.00} ) is XXXX XXXX XXXX XXXX located at XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX, Ga. XXXX. The current creditor is shown as XXXX XXXX XXXX XXXX, XXXX which is also located at the above address. Have called XXXX several times with no answer or response. Original debt was supposedly XXXX XXXX, a company that does XXXX work and was closed and later bankrupt due to medicare fraud and other bribery issues. Have never heard of any of these companies and am 100 % sure that I would have no need for the services that XXXX XXXX provides. This appears to be a scam. I have attached the mailing for your use. Thanks.
11/21/2023	Yes	Debt collection Other debt	Communication tactics Frequent or repeated calls	TX 770XX	Web
The debt collector called me on XX/XX/23 and said this was a " financial matter '' I told him I was not interested and hung up the phone. He called me again on XX/XX/23 and said this was a financial matter. I said I was not interested in buying anything. He said he wasn't selling anything and he worked for XXXX and wanted to collect on a debt I owed. I explained that I know you are a third-party debt collection agency and you don't actually work for XXXX, and besides, the debt I allegedly owed was already handled by my insurance company. He did not give any disclaimers that this call was an attempt to collect a debt. He misrepresented himself as working for XXXX when in fact he works for a XXXX party collection.
07/22/2020	Yes	Debt collection Credit card debt	Attempts to collect debt not owed Debt was already discharged in bankruptcy and is no longer owed	MO 63368	Web
See complaint XXXX, XXXX is stating they never sold this debt to a collections company, if that is true then this collections company is committing fraud to attempt to collect a debt discharged in bankruptcy. HIGHLY ILLEGAL. I have already had my lawyer send a cease and desist letter, however this is extremely concerning and appears highly illegal. Your job is to protect the American public, please do so and find out what is going on here. What I think happened is the collections co went into PACER, pulled some information, and tried to scam me or XXXX is overtly lying on the accompanying CFPB complaint response. This collections co has an interesting reputation online too, called a scam multiple times.
08/30/2022	Yes	Debt collection Medical debt	False statements or representation Impersonated attorney, law enforcement, or government official	MI 48073	Web
In XX/XX/2022, I was contacted by mail by three companies seeking to collect the same debt. First Financial Asset Management/First Financial Investment Fund III LLC XXXX XXXX XXXX XXXX XXXX, and XXXX XXXX XXXX XXXX XXXX written communications seeking to collect the same medical debt. It can not be legal that three companies can collect the same debt. I have disputed this debt with all three companies. I have called all three companies. XXXX XXXX XXXX specifically told me they had lawyers in their employ to escalate cases when necessary. Overall, these companies have big official names when they're really just three different debt collectors seeking to collect on the same debt. This can not be legal.
01/16/2017	Yes	Debt collection I do not know	False statements or representation Attempted to collect wrong amount	CA 90046	Web
XXXX, a representative from First Financial Asset Management, called me from this number : XXXX, to collect a debt that is not mine. Additionally, this company and representative did not do ANY due diligence prior to contacting me ( or they would have known not to contact me ). How can it be legal for them to contact me, ask " what am going to do about a bill he 's looking at '' that I am not responsible for in any way?? How can it be legal for him to contact me and not be fully knowledgeable of the purpose of the call? How can it be legal for XXXX XXXX to pass on my information to a collection agency, when they should know the details and know I am not responsible for this debt? Please advise.
02/14/2021	Yes	Debt collection Credit card debt	Written notification about debt Didn't receive enough information to verify debt	IL 60201	Web
I had a debt balance with XXXXXXXX XXXX credit for {$3000.00}. This account was opened on XX/XX/2015. The debt was bought by XXXX XXXX XXXX. The debt was purchased by First Portfolio Ventures I LLC. I received a summons from First Portfolio Ventures I LLC demanding {$3000.00}. I requested a copy of the original contract with my signature from creditor. I never received this requested information. The debt buyer provided me bogus documentation with no dates included of the the signed CEO documents. I have asked the debt buyer to prove that this debt with proof and have not received. I want the debt buyer to prove that they were given legal rights to collect the debt on behalf of XXXX XXXX XXXX.
01/11/2021	Yes	Debt collection Other debt	False statements or representation Impersonated attorney, law enforcement, or government official	PA 150XX	Web
I received a packet of papers from the company First Financial Asset MGMT. Inc. ( FFAM ), dated XX/XX/XXXX, stated that I took out a loan for {$2500.00} under the creditor XX/XX/XXXX When I called and asked what the company is known for XXXX XXXX XXXX, they stated they are a company that gives out vacation loans. I have never took out a loan for anything but school and my car. They stated one payment was made for {$280.00} when they loan was request in XX/XX/XXXX but it was not my credit card number. They have no proof of a contract or anything signed to allow my permission. I now have a past due bill in collections currently dropping my credit score for something I did not purchase.
08/26/2016	No	Debt collection Medical	Communication tactics Frequent or repeated calls	GA 30248	Web
I received a call Monday around XXXX that I have medical debt of {$610.00} dollars that was owed to XXXX XXXX XXXX XXXX from 2013 that I was never made aware of. Since Monday, this company First Financial Investment Funds ( First Financial Asset Management ) has called everyday 8 times a day. They keep calling after I asked them to not call me again. I asked them on Tuesday to send me a bill in the mail at which point I will pay my debts, however I would not be doing so over the phone. Representatives are very rude and do not sound like legitimate company representatives. The reps will not let you get off of the phone with them and it 's always the same people who pick up the phone.
05/14/2019	Yes	Debt collection I do not know	Written notification about debt Didn't receive enough information to verify debt	TX 78232	Web
First Financial Investment has reported an unverified collections account on my credit report. I am demanding that they provide the original documentation with my wet or digital signature via mail. If unable to provide that information I demand that the unverified collection report be deleted/ removed from my credit report with all repositories. Per the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ) it is required by federal law to verify- through the physical verification of the original signed consumer contract- any and all accounts you post on a credit report. Otherwise, anyone paying for your reporting services could be fax, mail, or email in a fraudulent account.
11/02/2022	Yes	Debt collection I do not know	Took or threatened to take negative or legal action Seized or attempted to seize your property	TX 750XX	Web
First Portfolio Ventures LLC has put a judgement on my personal checking account. They do not hold an active XXXX bond in Texas. They hired XXXX XXXX, who are actively bonded in Texas, but this NOT enough to get around the bond requirement, per Texas Finance Code 392. This is an unlawful attempt to collect a debt that I was not properly notified of nor made properly aware of where the debt originated. This debt was charged off by the original company and placing judgement against me by a collection company NOT bonded in the State of Texas. And once they hired attorney to take over made this claim and therefor the judgement placed on my acount unlawful in the State of Texas.
12/28/2019	Yes	Debt collection Other debt	Communication tactics Used obscene, profane, or other abusive language	CA 92105	Web
XX/XX/19. XXXX XXXX with First Financial Asset Management 360 was very aggressive and verbally abusive in a phone call regarding the settlement of a debt. I was helping my brother as a third party payer for a debt he owed. XXXX was belittling and actually began yelling at me when I explained to her that I understand the debt collection business and understand the debtors rights. Lastly, XXXX threatened my brother XXXX XXXX, with suspending his license which I know isn't within her purview Additionally when I requested a recent for my credit card payment the firm refused to provide one, stating the it wasn't their policy to issue one. This firm is a bad actor.
04/19/2020	Yes	Debt collection Medical debt	Took or threatened to take negative or legal action Threatened or suggested your credit would be damaged	GA 30067	Web
On XX/XX/20, I received notice from credit card company that my credit score had decreased by 100pts!!. This prompted me to check my credit report. There was a collection account posted XXXX on my report by First Financial Asset Mgmt for XXXX XXXX XXXX in the amount of {$210.00}. I have never heard of First Financial Asset Mgmt until XX/XX/20. I have disputed the validity by phone and in writing with First Financial Asset Mgmt., but the false reporting remains damaging to my credit report. I need to report the practices of First Financial Asset Mgmt. I would like them to be held responsible for the damages caused to me and my family for making false reports.
09/13/2017	Yes	Debt collection Medical debt	Threatened to contact someone or share information improperly Talked to a third-party about your debt	UT 84118	Web
Received phone call from a XXXX XXXX, representing First Financial Asset Management, located at XXXX XXXX XXXX XXXX # XXXX, XXXX XXXX, GA XXXX. Before verifying my identity over the phone, XXXX XXXX began releasing medical debt information ( hospital, dates, patient info ). I had asked her to refrain from doing so, but she insisted that my identity was verified ( it was n't confirmed who she was speaking to ). I asked for a supervisor and the call was passed to a XXXX XXXX ( sic ) who then transferred me to his supervisor, XXXX XXXX. Throughout this call, my identity was not confirmed, but information was released with regards to the subject of their call.
07/28/2016	Yes	Debt collection Medical	Cont'd attempts collect debt not owed Debt was paid	GA 30087	Web
I visited the emergency room at XXXX XXXX Hospital and was billed as a charity case because I am indigent under the GA Indigent Care fund. These 3rd party collections agencies bill me and call me for the services that have been credited and cleared my account. However, each time I tell them this they sell the account to another 3rd party collection agency that will bill me the next year and add this back onto my credit report. They keep flipping this bill after I send the confirmation that the bill is clear. This is some type of pontzi scheme and they just keep on coming. There needs to be a stop put to this type of activity by these collectors.
09/23/2021	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt was result of identity theft	WA 98103	Web
Someone used my stolen driver license to fraudulently rent a vehicle from XXXX XXXX. Unfortunately, the rental car company employee did not properly verify the identity of the person who did rent the vehicle. That person also paid with a stolen credit card. I have already discussed this matter with an investigator from XXXX XXXX and another employee from XXXX. Both have assured me that the matter had been resolved. Additionally I have sent debt disputes to XXXX XXXX, XXXX, XXXX XXXX XXXX, and XXXX XXXX XXXX XXXX, XXXX. Despite the conversations and letters, these companies have continued attempts to collect a debt that is not mine.
02/18/2021	Yes	Debt collection Medical debt	Written notification about debt Didn't receive notice of right to dispute	GA 30127	Web
On XX/XX/2021 i checked my credit report seen this account from XXXX XXXX XXXX is the original creditor and this collection agent First Financial Asset Mgmt. I have never heard from them received calls from them even an option to dispute this debt. I sent them a certified letter asking for validation of debt and they send me an itemized statement of my visit which gave a description of the visit. This is a third party and i never gave verbal or written consent for them to access this information. I have also made a HIPAA violation compliant. I know feel embarrassed and unsafe with this third party accessing my personal information
12/28/2018	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt is not yours	TX 77494	Web	Older American
I have been receiving numerous telephone calls from XXXX XXXX XXXX XXXX of XXXX, GA, telephone number XXXX, attempting to collect a debt from a Ms XXXX XXXX. I am not Ms XXXX and do not know who Ms XXXX is, where she lives, or any other information about her. I have explained this numerous times to this company and they hang up on me when I try to talk to them about this. I have tried to explain to them that the number that they are calling is not a home land line number, is not a cell phone number, but in fact is the access number of my XXXX XXXX XX/XX/XXXX. However, they continue to call, some days, 4 -5 times a day.
12/18/2020	Yes	Debt collection Auto debt	Written notification about debt Didn't receive enough information to verify debt	CT 067XX	Web
First Financial Management called me on or around XX/XX/2020 and reported that I owed a debt for an automobile accident that I had no fault in nor was I ever sued for taking part in. I never once received any attempts to collect a debt and was told that if I did not start a payment plan right away my license would be suspended immediately. I made it a point that I wanted written communications about the payment I made for XXXX on XX/XX/2020, as well as, the judgement decree of the charges I owed. Prior to this phone call the company verbally harassed my husband multiple times, who was not aware of any of this.
06/08/2023	Yes	Debt collection Auto debt	Took or threatened to take negative or legal action Threatened or suggested your credit would be damaged	CA 90731	Web	Servicemember
I rented a rental from XXXX and I was sideswiped by another person and they have this debt in my name and is not pursuing the actual person they should be pursuing which is all state the other parties insurance who hit me. State farm my insurance and myself have reached out numerous of times to get this situation eradicated and yet to no aval has the issue been handled the pictures from the accident state clear as day I was side swiped not I hit anyone so therefore they need to go after the person who damaged their vehicle not me. I had insurance and should not be liable for a accident I was the victim in.
08/18/2021	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	SC 292XX	Web	Servicemember
I am a victim of identity theft and I have submitted a notarized affidavit which serves as a legal document to my identity theft. I am also a victim of the XXXX breach and opted out of the settlement because I have suffered extreme losses due to the breach and the identity theft. I need the fraud accounts that are in my letter that is attached removed permanently from my file as I have also contacted the creditors as well. This is extreme in violation of my fair credit reporting act rights and I will seek legal recourse. I have also attached the printout of me being affected by the XXXX breach as well.
07/14/2021	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	SC 29223	Web	Servicemember
I am a victim of identity theft and I have submitted a notarized affidavit which serves as a legal document to my identity theft. I am also a victim of the XXXX breach and opted out of the settlement because I have suffered extreme losses due to the breach and the identity theft. I need the fraud accounts that are in my letter that is attached removed permanently from my file as I have also contacted the creditors as well. This is extreme in violation of my fair credit reporting act rights and I will seek legal recourse. I have also attached the printout of me being affected by the XXXX breach as well.
08/18/2021	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	SC 292XX	Web	Servicemember
I am a victim of identity theft and I have submitted a notarized affidavit which serves as a legal document to my identity theft. I am also a victim of the XXXX breach and opted out of the settlement because I have suffered extreme losses due to the breach and the identity theft. I need the fraud accounts that are in my letter that is attached removed permanently from my file as I have also contacted the creditors as well. This is extreme in violation of my fair credit reporting act rights and I will seek legal recourse. I have also attached the printout of me being affected by the XXXX breach as well.
08/18/2021	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	SC 292XX	Web	Servicemember
I am a victim of identity theft and I have submitted a notarized affidavit which serves as a legal document to my identity theft. I am also a victim of the XXXX breach and opted out of the settlement because I have suffered extreme losses due to the breach and the identity theft. I need the fraud accounts that are in my letter that is attached removed permanently from my file as I have also contacted the creditors as well. This is extreme in violation of my fair credit reporting act rights and I will seek legal recourse. I have also attached the printout of me being affected by the XXXX breach as well.
04/26/2019	Yes	Debt collection Credit card debt	Attempts to collect debt not owed Debt is not yours	MN 55369	Web
I received information from you attempting to collect the Above Listed alleged debt. Your initial communication to me of this alleged debt was within 30 days ago. Please be further advised, I dispute the validity of this alleged debt in it entirety. Be further advised that I request the name and address of the original creditor along with an agreement with my original signature binding me to this alleged debt.You are illegally attempting to collect an alleged debt and money at that I do not owe. As per the law seized in desist all collection activities including credit reporting agencys Please comply.
04/25/2019	Yes	Debt collection Credit card debt	Attempts to collect debt not owed Debt is not yours	MN 55369	Web
I received information from you attempting to collect the Above Listed alleged debt. Your initial communication to me of this alleged debt was within 30 days ago. Please be further advised, I dispute the validity of this alleged debt in it entirety. Be further advised that I request the name and address of the original creditor along with an agreement with my original signature binding me to this alleged debt.You are illegally attempting to collect an alleged debt and money at that I do not owe. As per the law seized in desist all collection activities including credit reporting agencys Please comply.
07/28/2023	Yes	Debt collection I do not know	False statements or representation Attempted to collect wrong amount	NJ 07111	Web
I was contacted by a Company known as XXXX XXXX XXXX in the month of XXXX XXXX regarding a purported debt. I responded to XXXX XXXX via the CFPB portal requesting for a validation of debt according to the CFRA guideline. I did not receive a response from XXXX XXXX instead, a Company known as First Financial Asset Management Inc sent me a vague letter and statement. I have no understanding of the reason why I was contacted by FFAM. I view this a misrepresentation and illegal tactic since I have never been contacted by them and oblivious to their interest in my response for validation to XXXX XXXX.
01/17/2017	Yes	Debt collection Medical	Disclosure verification of debt Not given enough info to verify debt	IL 60651	Web
I view my credit report on a month to month bases and since XX/XX/2016 I noticed that First Financial has been reporting to the credit bureaus for an alleged amount owed of {$420.00} without any notification. First Financial did not send any written notification/statements via mail or any communication at all. Since XX/XX/2016 I 've sent numerous of validation disputes on a month to month bases only to be ignored. I understand that this is a violation of the HIPPA law to forward information to third parties without authorization as well as a violation of FCRA for refusing to validate upon request.
10/25/2016	Yes	Debt collection Medical	Cont'd attempts collect debt not owed Debt was paid	GA 30038	Web
First Financial Investment Fund V, LLC are trying to collect a debt which I do not owe. They are trying to collect a debt under XXXX different account for the same company. I told the company that all debts and claims for XXXX XXXX has been fully resolved. They closed the XXXX debt for this company however they are refusing to closed the other debt they claimed I owe for the same company. I sent a dispute letter on XX/XX/XXXX requesting further verification and proof within 30 days, today XX/XX/2016 I still have not receive this from the debt collector or confirmation that it has been closed.
03/30/2020	Yes	Debt collection Other debt	Communication tactics Frequent or repeated calls	FL 33461	Web
First financial asset management. started calling repeatedly from XXXX XXXX until today. they call from several numbers XXXX and XXXX when i answer they say nothing but call back several times. When they finally do say something they harass me about how i need to find a better job to pay them more. Even said to use my stimulus check which hasn't even been sent. They tell me i need to pay more and that i need to do better. I am a single mom of XXXX. i pay them every month and they continue to call regardless of me paying every month. it is harassment and i hnestly don know what else to do.
10/30/2021	Yes	Debt collection I do not know	Written notification about debt Didn't receive enough information to verify debt	IL 60406	Web
The alleged debt account was not reported to all three credit bureaus is no longer on my credit report and its currently updated right now and i don't know where the alleged debt has come from. This is false and leading misrepresentation and accusing me of owing a debt that can not be validated. According to your information that you have gathered, the information is false and misleading towards me as a consumer and I am currently serving notice to this collection agency that is attempting to collect a debt from the original creditor which is I XXXX, XXXX and I do not validate this debt.
01/21/2024	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt is not yours	OH 44305	Web
Someone tried to write out a check to me and pull {$140.00} from XXXXXXXX XXXX using my information but I did not write the check or sign it. It was from XX/XX/XXXX from a XXXX XXXX XXXX address XXXX XXXX XXXX XXXX PA XXXX. I have received XXXX notifications from XXXXXXXX XXXX from XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX. I have not recieved any other notifications until now XX/XX/XXXX from Financial Assest Management Inc debt collection asking to pay {$190.00} for the amount owed to XXXXXXXX XXXX. Someone used my information to pull money and now the bank is trying to get money from me.
11/05/2021	Yes	Payday loan, title loan, or personal loan Payday loan	Received a loan you didn't apply for	AL 355XX	Web
XXXX from XXXX XXXX called me. I called back the # XXXX said I owe money from 2018 because of a payday loan from XXXX XXXX. I have never heard of or used My XXXX or XXXX XXXX. XXXX had all my information including where I work,, my address, and social security number. I told him it's fraud I've never used these companies. I hung up and called back XXXX minutes later. A man named XXXX picked up and called me XXXX. I do not know XXXX. I talked to XXXX again and he told me that guy was mistaken and he ( XXXX ). Was turning over information to my employer and authorities.
01/20/2022	Yes	Debt collection Other debt	Written notification about debt Didn't receive enough information to verify debt	SC 29210	Web
I disputed the account and ask that they validate this account, and they fail to respond to the action. The law states they have 30 days to do so if not or over the 30 days this account must be removed from the credit file and in this case, they fail to respond to the matter. It has been over 30 days with no response, and I did not open or authorize this account, and I therefore request that it be closed immediately. By the federal law requirement this account must be removed because you do not have proof or any evidence to support this matter and failure to respond.
09/18/2015	Yes	Debt collection Auto	Communication tactics Frequent or repeated calls	IL 600XX	Web
This company, I have spoken to several times and agreed to make a payment arrangement. After doing so, I requested they not contact me again. They keep calling to set up the payment I already authorized, calling multiple times a day, often just before XXXX. The agents are extremely rude and blunt and completely unwilling to work with me when I do answer. In addition, when I do n't answer one number or block it they start calling from another. They have been extremely obnoxious and have even contacted friends and members of my family after being requested not to.
07/28/2021	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	NJ 081XX	Web
In XXXX I sent First Financial Asset Management, XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, GA XXXX, a letter to validate the debt and ask them to have the collections account removed due to it being inaccurate. The amount of alleged debt owed is {$190.00} for XXXX XXXX. They responded with a letter on XX/XX/2020 stating that they have closed the account and will have it deleted from all the consumer credit reporting agencies. The Collections account is still being reported on my XXXX credit report. They are violating many of my rights as a consumer.
05/07/2019	Yes	Debt collection Medical debt	Attempts to collect debt not owed Debt is not yours	GA 30291	Web
There are two collections against me from a company called First Financial Asset. ( Account numbers XXXX and XXXX ) These are from a medical laboratory. I contacted the lab and they agreed that these did not belong to me. They said they would call them back from the collection agency and remove them from my credit files. This was the first of XXXX. I disputed these with all three bureaus and not only did First Financial Asset respond that they belonged to me, they left them on my file AND they updated them again for an additional month.
06/16/2017	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt was already discharged in bankruptcy and is no longer owed	CA 95210	Web	Servicemember
First Financial Asset Management Inc, contacted my father on XX/XX/XXXX to attemp collection on a debt i no longer owe in the amount of {$38000.00}. They discussed this information on the phone with my father about the debt which was illegal in the first place. I had previously sent this company a letter by mail and email 3 years ago for them to cease any and all contact or communication being i do not owe this debt. This debt was originally accrued in XX/XX/XXXX . It was completely pass the statutes of limitations.
03/30/2017	Yes	Debt collection Other (i.e. phone, health club, etc.)	Communication tactics Called outside of 8am-9pm	TX 77036	Web
I receive calls as early as XXXX. and as many times as 3-4 times a day. I have also asked them on several occasions to please stop calling me so early and I was told that it is an automatic dialer that is calling but I informed them that it is still unacceptable and also that actual agents are calling me repeatedly and much too early as I work nights and it is against the law! I also have asked them many times what this is in regards to and if I wo n't verify my social security number and date of birth they sinply hang up on me.
02/28/2019	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Account status incorrect	UT 84081	Web
XXXX XXXX is reporting on debt on my credit file that I do not owe. I was never notified of this debt. I only noticed this bad debt on my credit file. As soon as I found out I called and immediately paid it. However, I was not given the proper protocol. I never received any phone call, letters of any type in the mail. This is a violation of my 30 day right to dispute. This debt is years old and when I called they had no idea why they did not send me any proper notifications. This bad debt needs to be removed off of my credit.
02/16/2017	Yes	Debt collection I do not know	Cont'd attempts collect debt not owed Debt is not mine	CA 91910	Web	Servicemember
Good Afternoon, I am a US military service member, and a responsible citizen with a clean and well standing credit record. I was contacted by " FIRST FINANCIAL ASSET MANAGEMENT '' ( XXXX ) a Debt Collection agency. They contacted me to collect on a Fraudulent account, that was opened in my name in 2005, they threatened to blemish my credit profile and even attempted to " SETTLE '' the account. they have illegally purchased my personal information and identity from another debt collector or illegitimate source.
10/19/2015	Yes	Debt collection I do not know	Improper contact or sharing of info Contacted me after I asked not to	FL 33321	Web	Older American
I have been called again about XXXX XXXX XXXX who is using my phone no. as his. I have a case pending and now have XXXX more agents trying to collect from me. The First financhial asset management from XXXX Fl. XXXX and a call today from XXXX New York XXXX. They did n't give me there name. This has gone on now for over two years and i had my phone no over 14 years so know he is illegally useing my no. and they are harrasing me about it again. Please open a new account to stop this from going on. Thanks You
04/10/2022	Yes	Debt collection I do not know	Written notification about debt Didn't receive enough information to verify debt	NY 11219	Web
I received A letter in the mail from a lawyer offering services due to my having been sued. Now, I never received any communication from this company regarding an alleged debt. Not only that, But I was never served any papers whatsoever. In summary, this company has sued me without ever bothering to check with me the veracity of the claims. Additionally, they sued me and they never served me papers. here is the company name. First Portfolio ventures I LLC XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX
08/15/2023	Yes	Money transfer, virtual currency, or money service Virtual currency	Fraud or scam	CA 950XX	Web
1FAM IS ILLEGALLY COLLECTING ON BANKRUPTCY DEBT USING AN XXXX CALL CENTER BECAUSE IT IS SO CLEARLY ILLEGAL TO DO SO IN XXXX. XXXX XXXX IS THE EXECUTIVE RESPONSIBLE AND NEEDS TO BE ARRESTED IMMEDIATELY! HE IS THE CHIEF CREDIT OFFICER AT DESERVE AND IS BASED OUT OF XXXX HE IS CONSPIRING WITH A SALES EXECUTIVE AT 1FAM WHO ANSWERS THE SALES PHONE NUMBER! THEY HAVE REMOVED THE PHONE NUMBER FROM THEIR WEBSITE SINCE THEY PANICKED WHEN I CALLED THEM TO GATHER INFORMATION ON THE FRAUD! XXXX XXXX XXXX
06/15/2020	Yes	Debt collection Payday loan debt	Attempts to collect debt not owed Debt was paid	TX 76001	Web
I call on XX/XX/XXXX and asked for the pay off amount. The lady told me that a draft for {$530.00} was already scheduled to come out of my bank account. the balance was {$1700.00}. {$530.00} Drafted out of my account that night. I paid your over the phone {$1200.00} On XXXX the XXXX they drafted {$120.00}. And I received an email that they will draft again tomorrow. Please see the pay off drafts out of my account attached. And they reported on my credit that my balance just went up.
12/04/2019	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt is not yours	WA 98056	Web
All communication to and from the debt collector have been attached. I intitially received a letter from FIRST FINANCIAL ASSET MGMT, INC on XX/XX/2019 on an alleged debt that I owe for the amount of {$3000.00}. In response I sent a debt validation letter via certified mail on XX/XX/XXXX and the company received on XXXX XXXX company didn't respond until XX/XX/XXXX with a letter that included repair estimates for a car, nothing in the letter validates my legal obligation that I owe them.
07/29/2016	No	Debt collection Credit card	Cont'd attempts collect debt not owed Debt was paid	TX 75070	Web	Servicemember
First Financial Asset Management ( XXXX ) called me XXXX XXXX 2016 at XXXX Central time to collect on an alleged debt owed to XXXX Rental Car. I DO NOT OWE THAT DEBT! This concerned a car rental from the XXXX office in XXXX XXXX, CO at the airport XX/XX/XXXX-XX/XX/XXXX and was DISCHARGED BECAUSE THEY WERE ALREADY PAID THROUGH XXXX E-CERTIFICATES ( IN FACT, {$100.00} MORE THAN REQUIRED ). XXXX handled the dispute and credited my account since the e-certificates had paid for the rental.
01/27/2021	Yes	Debt collection Credit card debt	Attempts to collect debt not owed Debt is not yours	IL 60462	Web
We paid what was owed on account but there was an amount charged of XXXX that I never signed for and it was a fraud from a jewelry story from out of the country as soon as it came on my account I contacted XXXX and they would not do anything and I found out they are not in the United States. I need some help and really advise no one to obtain the XXXX CREDIT CARD please help with this situation as I have no problem with numerous credit cards I have and want to fix this Asap
04/19/2019	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt is not yours	FL 32607	Web
This is a work-mans comp case that was PAID by my work. Date of Injury : XX/XX/2018. I was contacted by health care facility ( XXXX XXXX XXXX ) several times regarding this issue, than I passed on information to my work-mans claim dept. Not sure why it was forward to collection, but it eventually showed up on my credit report. I have spoke to my work-mans claims reps several times regarding this issue and was provided with the following documentation to support this issue.
03/15/2022	Yes	Debt collection Other debt	Communication tactics You told them to stop contacting you, but they keep trying	FL 327XX	Web
I received a notice of a debt collection dated XX/XX/21. On XX/XX/21 I sent a letter acknowledging the debt with a check for {$51.00} for the first payment. I advised them that I would pay no less than {$25.00} per month which I have the records to prove that I have each month since. They continue to call me every few days and I have told them to stop calling me. I tried blocking the phone numbers from calling me but they have multiple lines, so the calls continue.
03/18/2018	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt was paid	IL 60659	Web
I RENT A CAR WITH XXXX RENT A CAR FOR XXXX WHEN I RETURN THE CAR THEY CHARGE ME FROM XXXX ACCOUNT, AND PAID ME BACK THE SECURITY DEPOSIT TO ME ON XX/XX/2017 THEY TOOK COLLECTION ACTION BEFORE I SENT THEM THE LETTER BUT AGAIN THEY DOING IT BECAUSE THE LOOK XXXX XXXX XXXX LOCAL OFFICE THE GUY WHO DEAL WITH XXXX DONT LIKE MY NAME XXXX XXXX JUST TO PUNISH ME THEY ARE DOING THIS TO PUZZEL ME PLEASE STOP THIS COLLECTION ACTION I DONT OWE THIS MONEY THANK YOU XXXX XXXX
05/08/2018	Yes	Debt collection Medical debt	Took or threatened to take negative or legal action Threatened or suggested your credit would be damaged	FL 321XX	Web
I received a letter from a collection agency about a bill from 3 years ago. Not sure what it is. The Agency only gave me date of service and name of physician. I wanted something in writing for additional information. I never received a bill previous to this. I found out that the supposed original creditor went into bankruptcy and then shut down and this agency obtained the accounts receivable. The medical test in question seems suspicious and very costly.
07/30/2019	Yes	Debt collection I do not know	Communication tactics Frequent or repeated calls	GA 30542	Web
My father, XXXX XXXX died XX/XX/2018. A man from First Financial Asset Management called about an unspecified debt. He would not clarify the debt he claimed was owed but he demanded my fathers death certificate and my POA. I am his executor and the Will has been probated. I am told after death a POA would be invalidated. I gave the man an address where he could send documentation of the purported debt but he continued to ask for proof of my fathers death.
07/29/2021	Yes	Debt collection Medical debt	Took or threatened to take negative or legal action Collected or attempted to collect exempt funds	SC 29150	Web	Servicemember
I sent a debt validation memo to FIRST FINANCIAL INVESTMENTS FUNDS HOLDINGS on XX/XX/2021 requesting validation of a debt collection in the amount of {$34.00}. On XX/XX/2021, I received a response memo in reference stating the account could not be verified and was therefore closed via the collection agency. As of todays date of XX/XX/2021, the accrual still open and reporting falsely and negatively on my credit file with a credit bureau ( s ).
11/14/2018	No	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Problem with a credit reporting company's investigation into an existing problem Their investigation did not fix an error on your report	GA XXXXX	Web
XXXX has been non-compliant with removing the unverified account XXXX XXXX XXXX XXXX XXXX which has been deleted by XXXX and XXXX. XXXX and XXXX have both completed their research and determined that XXXX XXXX XXXX XXXX XXXX was not established by myself but XXXX keeps verifying this accounts. Also, when I called the company they responded that XXXX did not send them all of the verifying evidence to confirm each account is unverified.
10/19/2017	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt was result of identity theft	TN 370XX	Web
received a letter from XXXX XXXX XXXX XXXX concerning a debt from XXXX XXXX XXXX for XXXX i spoke to them on 3 occasions concerning the issue. i informed them that this was do to fraudulent transactions. the debt collector was only concerned with getting a settlement of XXXX regardless of the issue. i also asked them for everything they had from XXXX XXXX but received nothing from them. they have ignored my request to dispute this debt.
12/15/2023	Yes	Debt collection I do not know	Written notification about debt Didn't receive enough information to verify debt	NC XXXXX	Web
I was sent his debt collection and given a certain amount of time to dispute it but both the phone numbers and the websites they gave me to contact them or dead sites. There was no legitimate way to reach them. And they said if I don't respond by the XXXX of XXXX this will go on my credit report and I have no idea what this debt is. It comes from first financial asset Management Inc and it says the original creditor is XXXX XXXX
01/18/2016	Yes	Debt collection I do not know	Communication tactics Frequent or repeated calls	UT 84094	Web
I was called by First Financial debt collection agency and I tried to call back but could n't get anyone on the phone. I was so worried I pulled my wife 's and my credit report just to find that nothing was wrong. I finally got a hold of someone to find they contacted me in error but now it still shows an inquiry on my report. I do n't know why they called me and it should never of happened because it made the XXXX of us panic.
05/20/2017	Yes	Debt collection Medical debt	Attempts to collect debt not owed Debt is not yours	NC 28214	Web
I sent a letter around XXXX 2017 asking for this debt collection company to show me proof of valadation of this medical debt and they have not sent me anything to prove that it is actually my indeed debt. I have waited pass the 30 days to give the company time to respond to the debt but nothing has been sent to me via mail showing proof that this debt with First Fina ncial Asset Management is actually my debt.
04/18/2017	Yes	Debt collection I do not know	Cont'd attempts collect debt not owed Debt is not mine	GA 28306	Web
First Financial Mgmt is attempting to collect a debt from me that I do n't owe. I never established a contract with this agency at all. Obtainning documentation as a debt collection agency or third party vendor is not a contract or it does not legally bind me to pay this company any money, furthermore this agency is in complete violation of the FCRA law by placing a negative tradeline on to my credit reports
11/01/2021	Yes	Debt collection Medical debt	Attempts to collect debt not owed Debt was result of identity theft	SC 29617	Web
My name is XXXX XXXX, and I am sending this request myself to address the inaccuracies on my Credit Reports. I'm not swayed that Bureaus efficiently pleased the principles of the Fair Credit Reporting Act in completing their investigation. The Bureaus are reporting inaccurate information on FIRST FINANCIAL ASSET XXXX. Per FCRA, reporting must be 100 % accurate or the information must be deleted.
02/23/2020	Yes	Debt collection Other debt	False statements or representation Attempted to collect wrong amount	GA 30909	Web
FFAM Account # XXXX Claimed amount : XXXX Notice came on XX/XX/XXXX. FFAM claims I owe debt to XXXX XXXX XXXX. I do not owe XXXX XXXX XXXX. I initiated a charge back against XXXX for renting a poor quality vehicle in early XX/XX/XXXX. Apparently XXXX turned the charge back over this debt collection agency. I have contacted XXXX but have not heard back. I am disputing the validity of this debt.
01/18/2020	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt was paid	PA 19013	Web
First Financial Asset Management call me on XX/XX/XXXX regarding a bill by XXXX XXXX XXXX 3 years ago in which was paid. I call XXXX XXXX XXXX in which they inform me that a copy of the bill shows paid by them to XXXX XXXX XXXX. There also mailing me a copy as proof from XX/XX/XXXX showing that the transaction was paid to XXXX XXXX XXXX XXXX. This bill was paid 3 years ago on XX/XX/XXXX XXXX
03/13/2018	Yes	Debt collection Credit card debt	Attempts to collect debt not owed Debt is not yours	NY 11385	Web
The original credited was XXXX for which I received the information that it was sold to another collection agency I been fighting this case for almost a year. I have been sued and my wages are being garnish and all I want is proof that I actually owe this money. I haven't been serve correctly I havent beeen inform of my right or no one is giving an explanation other than you owe the money.
11/29/2018	No	Debt collection Medical debt	Attempts to collect debt not owed Debt is not yours	LA 710XX	Web
I sent a validation letter to First Financial Investment Fund Holdings located at XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, GA XXXX, pertaining to a medical bill in the amount of XXXX dollars that was placed on my credit reports. They have not provided the proof requested in the letter send on XXXX the XXXX, but instead continues to report the said debt monthly to each of the credit bureaus.
04/06/2022	Yes	Debt collection Credit card debt	Attempts to collect debt not owed Debt was result of identity theft	CO 80910	Web	Older American
On XX/XX/2022 I logged into check my credit report and found an account that was fraudulently opened in my name with XXXX XXXX XXXX Bank in the amount of {$11000.00}. I have since resolved this issue with FFAM ( First Financial Asset Management ) who is the debt collector and I am now working with XXXX XXXX XXXX XXXX XXXX XXXX ) to make sure my case has been discharged as fraudulent.
09/21/2020	Yes	Debt collection Medical debt	Threatened to contact someone or share information improperly Talked to a third-party about your debt	GA 30241	Web
XXXX XXXX XXXX is a law office that collects debts. They reached out to the hospital and were given a medical chart with explicit medical details on it and forwarded to me in the mail which ended at my neighbors and them opening and reviewing my medical chart. This is a direct violation of my HIPAA rights. Then they filed a lawsuit against me without validation of the said debt.
03/11/2019	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt is not yours	RI 02840	Web
This is an attempt to collect repeated overdraft charges made to my account by XXXX for an unauthorized charge. The account was charged four times at {$35.00} each time and the remaining money in the account was taken and the " balance due '' was {$110.00}. At the time, I asked the bank to reverse these charges. They refused and sent it to collections almost immediately.
09/27/2021	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt is not yours	GA 302XX	Web
The amount that they are trying to collect was not mine to pay they were suppose to charge my insurance and charged me when they had my insurance information. I called they have removed it but they are trying to make it stay for 90 days and that is not right because I do not owe them this money, my insurance had paid the money. They were never suppose to bill me
01/26/2021	Yes	Debt collection Credit card debt	Attempts to collect debt not owed Debt was paid	MA 02368	Web
I PAID THIS COLLECTION AGENCY ON BEHALF OF XXXX XXXX. XXXX XXXX ASSIGNED THIS CASE TO XXXX DIFFERENT COLLECTION AGENCIES. EITHER THIS COMPANY DID NOT REPORT I PAID THEM TO XXXX XXXX BECAUSE XXXX SAYS I STILL OWE THEM THE MONEY AND THE XXXX XXXX XXXX IS STILL TRYING TO COLLECT. ALSO ITS REFLECTING ON MY XXXX AND XXXX REPORTS AS NEGATIVE AND STILL HAS A BALANCE.
05/10/2019	Yes	Debt collection Credit card debt	Attempts to collect debt not owed Debt is not yours	MN 55369	Web
Dear FFAM I ASKED YOU FOR THE CREDIT APPLICATION WITH MY SIGNED Signature attached You sent some billing statements that anyone could have made it. ONE MORE TIME IF YOU ARE UNABLE TO SEND ME THE INFORMATION REQUESTED I ASK THAT YOU CEASE AND DESIST OR ELSE YOU WILL BE SUED FINAL WARNING IF YOU HAVE PUT ANY MARKS ON MY CREDIT FILE I SUGGEST YOU DELETE THEM TODAY
10/15/2020	Yes	Debt collection I do not know	Communication tactics Frequent or repeated calls	GA 30316	Web
First Financial Asset Management This company continues to call me up to XXXX or XXXX daily and hangs up when I answer. On the off chance someone is on the other end, they ask for my SSN with no context. This company needs to contact me via mail moving forward as their attempts are borderline harassment at this point. This debt has not even been verified.
11/01/2016	No	Debt collection Other (i.e. phone, health club, etc.)	Disclosure verification of debt Not given enough info to verify debt	GA 30093	Web
Was notified via an alert on my credit monitoring that First Financial Investment Fund had placed an collection on my credit report in the amount of {$260.00} for a debt that I do not have. I do not owe any creditors. I did not receive notice of right to dispute nor did they provide enough information to verify debt. i.e. amount of debt & name of creditor
04/25/2022	Yes	Debt collection Medical debt	Communication tactics You told them to stop contacting you, but they keep trying	GA 30152	Web
Over the last six months, First Financial Asset Management ( FFAM ) kept calling me from XXXX on a debt I allegedly owed to XXXX XXXX XXXX, to whom I owe nothing. I told FFAM that they must have mistaken me for another person with the same time. I have written emails, left messages on FFAM 's website multiple times, and the calls continue day and night.
12/05/2017	Yes	Debt collection Medical debt	Written notification about debt Didn't receive enough information to verify debt	SC 29016	Web
I sent a debt validation letter to XXXX XXXX XXXX XXXX to validate the debt they say that I owe on four accounts. I sent the letter certified on XXXX XXXX.2017. I gave them 30 days to respond to my request.They have failed to validate the debt. I have a copy of the letter that was sent to them that was received by someone in their office.
02/05/2016	No	Debt collection Medical	Communication tactics Threatened to take legal action	SC 29205	Web
They are unavailable. I emailed them twice at their online email address and both emails got bounced back to me. I was hold with them for an hour and 50 minutes between XXXX XXXX and XXXX : XXXX on XXXX/XXXX/2016. I have already paid the bill in full that they are tyring to collect and I was just trying to let them know that.
11/12/2021	Yes	Debt collection Other debt	Written notification about debt Didn't receive enough information to verify debt	FL 33462	Web
Notice received XX/XX/XXXX from collection agency ( First Financial Asset Management ) This is for a car that I rented from XXXX XXXX and gave back and they never told me there was anything wrong with the windshield. XXXX XXXX sent me a letter a month after car was returned asking me to pay for something I did not do.
10/03/2021	Yes	Debt collection Auto debt	Written notification about debt Didn't receive notice of right to dispute	PA 19143	Web
First Financial Asset Management did not disclose that I, the consumer, could dispute the debt. I, the consumer, have paid almost 2,000 in alleged debt. I, the consumer, have sent a cease and desist, affidavit of truth, exhibits and invoice to remedy. First Financial Asset Management received the material on XX/XX/2021.
03/30/2019	Yes	Debt collection Payday loan debt	False statements or representation Impersonated attorney, law enforcement, or government official	AL 366XX	Web
I had couple collection companies calling me about the debt to the original creditor XXXX XXXX for the amount of {$550.00} and then last person that call me said that I owe around {$900.00}. I personally call XXXX XXXX and they told me that I had pay that debt, also I have a letter confirming that I make that payment.
12/20/2023	Yes	Credit reporting or other personal consumer reports Credit reporting	Improper use of your report Reporting company used your report improperly	KY 401XX	Web
On XX/XX/2023 - FFAM360 is harassing me and using abusive and profane language when contacting my phone. I told them to put me on the do not call list and they asked for my social security number. When I told them I won't be giving that they told me they couldn't help me. I am sue this is a violation of the FDCPA.
05/27/2020	Yes	Debt collection I do not know	Written notification about debt Didn't receive notice of right to dispute	GA 30331	Web
Incomplete account and Im not aware of this debt and did not have the opportunity to dispute this information. Did not receive a call or certified mail. Please provide Validation of Debt. XXXX XXXX XXXX or First Financial Asset Management Account # XXXX XXXX First Financial Asset Management Account # XXXX
09/20/2018	No	Debt collection Credit card debt	Attempts to collect debt not owed Debt was result of identity theft	NY 10128	Web
I was a victim of identity theft in 2017. the debt was cleaned from my record. But, yet a debt collector is trying to get money from me. I am not paying for this debt. It is not mine and it has been removed from my credit report. They are still trying to get money from me despite the debt not being mine.
08/30/2021	Yes	Debt collection I do not know	Written notification about debt Didn't receive notice of right to dispute	TN 37128	Web
First Financial Asset Mgmt Inc owes me Monterey relief for the damages and violations against me XXXX XXXX The Natural Person & Consumer .FFAM INC sent me a letter stating I owed a debt. In this letter was numerous violations that FFAM INC IS AWARE ABOUT! I have attached an affidavit of truth
03/30/2017	Yes	Debt collection Medical	Cont'd attempts collect debt not owed Debt resulted from identity theft	SC 29223	Web	Servicemember
I have sent repeated documents and police reports to this company showing that I do not owe this debt because my identity was stolen and they still are reporting this debt to my XXXX credit report. I want it removed immediately. This is identity theft and they can not even validate the debt.
09/06/2016	Yes	Debt collection Medical	Cont'd attempts collect debt not owed Debt was discharged in bankruptcy	IL 629XX	Web
This company added to credit report XX/XX/XXXX and shows placed for collection on XX/XX/XXXX.This is not true as I have copies of all of my credit report from this date til now and I have never received any phone calls or letters from this company regarding my debt with this company til now.
12/30/2015	No	Debt collection I do not know	Communication tactics Frequent or repeated calls	GA 30294	Web
Caller is first a recording, then individual comes on ask for individual who 's not available, when ask to take message states this call is being recorded. I ask for name of company and why am I being recorded, they hang up. My caller ID shows the number as : XXXX and ID as " XXXX XXXX ''
02/07/2019	Yes	Debt collection Medical debt	Attempts to collect debt not owed Debt was paid	GA 30238	Web
I have repeatedly made attempts to reach 1st Finl Invstmnt Fund to no avail. I want the incorrect information removed from XXXX, XXXX and XXXX. I resolved all payments for medical treatment and the current account is incorrect. This is preventing me from applying for a home mortgage.
01/24/2017	Yes	Debt collection Other (i.e. phone, health club, etc.)	Communication tactics Frequent or repeated calls	TN 37217	Web
I have asked for my number to be taken out, and to be removed after I explained to the debater I had set up to call back at a later date was told this is not how this works, told him to just take me off do not contact me, received another call a week later with another rude person.
06/13/2020	No	Debt collection Medical debt	Written notification about debt Didn't receive notice of right to dispute	NV 89148	Web
This collection appeared on my credit report with the three credit bureaus. I NEVER received any correspondence from the collection agency. I do not know what the bill is or regarding what debt. I did not receive any correspondence to dispute the bill. The debt is for {$190.00}
11/06/2023	Yes	Credit reporting or other personal consumer reports Credit reporting	Incorrect information on your report Account status incorrect	FL 33578	Web
I received a legal notice from First Portfolio Ventures II, LLc, summoning me to appear in court regarding a debt they claimed I owed a company named " XXXX ''. After a discussion between my attorney and the company, both parties reached an agreement to dismiss the lawsuit.
11/19/2018	No	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	UT 84123	Web
1st Finl Investment Fund is reporting on my credit for a debt that isn't mine or I do not owe. IT looks like it is for medical but I have always had insurance and never owed this. I have never got a notice from this company ever ... This debt is old and not mine.
02/27/2019	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	UT XXXXX	Web
1ST FINL INVSTMNT FUND Is reporting a debt that I do not owe. I have no idea what this collection debt is. I have never received any phone calls, collection letter, nothing! They added this to my credit file and they are in violation of my 30 day right to dispute.
05/21/2015	No	Debt collection Medical	Cont'd attempts collect debt not owed Debt was paid	SC 29445	Web
I paid the debt with tax offset and it has been transferred to another debt collector. And it has been added back onto my credit report when it is showing on my credit report to have been removed on XXXX, after the tax offset payment in the amount of {$300.00}.
07/06/2023	Yes	Debt collection Medical debt	Attempts to collect debt not owed Debt was already discharged in bankruptcy and is no longer owed	OK 74011	Web
-I paid this debt on XX/XX/2020 to XXXX XXXX XXXX XXXX . -I provided documentation to this debtor with copy of the transaction from my credit card. -They passed this debt continues to be passed on to different companies even though it was been paid out.
01/04/2021	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	GA 30168	Web	Servicemember
I have contact the company multiple times letting them know I have never done business with their company nor the company that they are reporting for. They have advised me that it would be removed from my report but they continue to report the information
06/05/2021	Yes	Debt collection Medical debt	Written notification about debt Didn't receive enough information to verify debt	SC 295XX	Web
This medical collection agency ( FST FIN MGMT ) Acct # XXXX is still reporting on my credit after I have received written proof that they was going to ask the credit bureaus to remove this from my credit report. It still reporting to XXXX and XXXX.
05/17/2021	Yes	Debt collection Medical debt	Took or threatened to take negative or legal action Threatened or suggested your credit would be damaged	SC 29203	Web
First Financial Asset management added debt to my credit report without any acknowledgement in the amount of {$300.00}. Also XXXX XXXX XXXX has sold the original debt to first financial asset management. Violation of the Hipaa laws and privacy act.
04/16/2020	Yes	Debt collection Medical debt	False statements or representation Attempted to collect wrong amount	GA 30680	Web
First Financial put a derogatory mark on my credit report for an amount I do not owe the difference is about {$900.00} and i am paying the original creditor directly. I don't remember ever being contacted by first financial, this is crazy to me.
04/27/2017	Yes	Debt collection Medical debt	Communication tactics Frequent or repeated calls	SC XXXXX	Web
Called from an XXXX GA number but company is physically located in XXXX XXXX Ga. It is my belief that this company is utilizing phone spoofing software to alter the area code of the number calling to hide their true identity.
12/20/2023	Yes	Debt collection Medical debt	Written notification about debt Didn't receive notice of right to dispute	UT 84115	Web
On XX/XX/XXXX I was taken to court without any notifications of there being a court docket against me. In the 5 years since there has been no communication from them. This is a medical debt that took place in XXXX of XXXX.
01/18/2023	Yes	Debt collection Medical debt	Attempts to collect debt not owed Debt was paid	LA 712XX	Web
I paid a debt that was owed for a hospital visit for my child on XX/XX/2014. I paid {$150.00}. I just received a letter in the mail from another debt collector wanting me to pay the remaining amount of the balance.
11/05/2015	Yes	Debt collection Medical	Disclosure verification of debt Not given enough info to verify debt	TX 78227	Web
On XXXX/XXXX/15 I requested 1st Financial Investment Fund provide validation for {$160.00} debt being reported to credit bureaus. As of XXXX/XXXX/15 I have not received any response in relation to my request.
11/05/2015	Yes	Debt collection Medical	Disclosure verification of debt Not given enough info to verify debt	TX 78227	Web
On XXXX/XXXX/15 I requested 1st Financial Investment Fund provide validation for {$100.00} debt being reported to credit bureaus. As of XXXX/XXXX/15 I have not received any response in relation to my request.
06/20/2018	No	Debt collection I do not know	Attempts to collect debt not owed Debt is not yours	MA 02472	Web
Repeated calls with the intent to harass. This company is calling about a debt I don't know or owe. Requested proof of debt, never received. They reported the debt to my credit report tarnishing my report.
12/09/2018	Yes	Debt collection Medical debt	Attempts to collect debt not owed Debt is not yours	MI 48235	Web
At the time of this matter I was covered under medical insurance. I have no knowledge of this outstanding balance. This information should not have been added to my credit profile as a derogatory remark.
11/04/2023	Yes	Debt collection Credit card debt	Attempts to collect debt not owed Debt is not yours	PA 19401	Web
FFAM is requesting debt that I do not owe. I do not know who this company is and I do not have any agreements to pay this company. I have requested proof but have not received it.
02/28/2019	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt is not yours	IL 60615	Web
Check my credit report XX/XX/2019 I see first financial investment for collection I owe I dont company never got an phone or letter in mail just shows up on my credit report
10/17/2021	Yes	Debt collection Medical debt	Written notification about debt Didn't receive enough information to verify debt	SC 29212	Web
First Financial Asset Management did not notify me of their intent to attempt to collect a debt. They are not the owners of this debt, and I have no contract with them.
03/29/2019	Yes	Debt collection I do not know	Communication tactics Frequent or repeated calls	GA 30034	Web
XXXX XXXX XXXX XXXX is calling from a spoof number acting like they are from my XXXX area code but they are in Georgia. They have been asked repeatedly not call me.
12/09/2016	Yes	Debt collection I do not know	Taking/threatening an illegal action Threatened to sue on too old debt	GA 30350	Web
Debt collector has already placed notice of suit on file without contacting me. I have been informed it is a matter of public record as of XXXX XXXX.
04/27/2022	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt was paid	MI 48167	Web
Debt paid for toll charge with XXXX directly to XXXX for rental agreement XXXX in the amount of {$100.00}. XXXX confirmed with attached statement.
05/05/2017	Yes	Debt collection Medical debt	Written notification about debt Didn't receive enough information to verify debt	VA 238XX	Web	Servicemember
Please need more info on the debt and if i could submit my XXXX XXXX XXXX the the XXXX XXXX , if c ould lower the amount at all
12/08/2019	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt was result of identity theft	SC 290XX	Web	Servicemember
I am a victim of identity theft and this debt does not belong to me. Please see the identity theft report and legal affidavit attached.
12/01/2019	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt was result of identity theft	SC 29229	Web	Servicemember
I am a victim of identity theft and this debt does not belong to me. Please see the identity theft report and legal affidavit attached.
10/29/2019	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt was result of identity theft	SC 29108	Web	Servicemember
I am a victim of identity theft and this debt does not belong to me. Please see the identity theft report and legal affidavit attached.
02/06/2021	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt was result of identity theft	SC 29223	Web	Servicemember
I am a victim of identity theft and this debt does not belong to me. Please see the identity theft report and legal affidavit attached.
11/13/2019	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt was result of identity theft	SC 29223	Web	Servicemember
I am a victim of identity theft and this debt does not belong to me. Please see the identity theft report and legal affidavit attached.
10/23/2019	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt was result of identity theft	SC 29210	Web	Servicemember
I am a victim of identity theft and this debt does not belong to me. Please see the identity theft report and legal affidavit attached.
09/12/2019	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt was result of identity theft	DE 198XX	Web	Servicemember
I am a victim of identity theft and this debt does not belong to me. Please see the identity theft report and legal affidavit attached.
05/26/2020	Yes	Debt collection Medical debt	Written notification about debt Didn't receive notice of right to dispute	GA 30008	Web
I made prior payment arrangement with XXXX and unknowingly to me, First Financial Asset Management has begun reporting debt.
07/13/2020	Yes	Debt collection Other debt	Communication tactics You told them to stop contacting you, but they keep trying	PA 18976	Web
-continuously after receiving cease and desist letter phone calls every 3 days -validation of alleged debt is not received
03/15/2019	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt is not yours	OH 43235	Web	Servicemember
Several phone calls with the last on XX/XX/2019. I and everyone at this home have not had a loan from First Financial.
05/22/2019	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt is not yours	SC 29209	Web
First Financial Asset I has a collection that is open with a XXXX balance. It keeps reporting monthly.
04/27/2022	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt was paid	MI 48167	Web
Debt for toll was paid when XXXX XXXX charged my credit card XX/XX/2021. Proof of charge is attached.
08/10/2018	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt is not yours	GA 30294	Web
XXXX XXXX XXXX XXXX and all CRA reporting account not mines and never done business with company
02/13/2017	Yes	Debt collection Medical	Cont'd attempts collect debt not owed Debt is not mine	SC 29223	Web
Debt is not mine. Debt is also showing up on my credit report 2x
05/07/2021	Yes	Debt collection Medical debt	Attempts to collect debt not owed Debt was paid	SC 29210	Web
Debt has been paid and is still in collections.
05/30/2017	Yes	Debt collection I do not know	Took or threatened to take negative or legal action Threatened or suggested your credit would be damaged	IL 60639	Web
Account not none to me so is not valid.
12/19/2023	Yes	Debt collection I do not know	Took or threatened to take negative or legal action Threatened to sue you for very old debt	GA 30349	Web

12/16/2023	Yes	Debt collection Medical debt	Attempts to collect debt not owed Debt is not yours	WA 99156	Web

12/07/2023	Yes	Debt collection I do not know	Communication tactics Frequent or repeated calls	KY 40216	Web

10/02/2023	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt is not yours	CA 92395	Web

09/12/2023	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt is not yours	CA 90046	Web

08/21/2023	Yes	Debt collection Credit card debt	Took or threatened to take negative or legal action Threatened to arrest you or take you to jail if you do not pay	GA 30040	Web

07/28/2023	Yes	Debt collection Other debt	Written notification about debt Didn't receive notice of right to dispute	IL 60416	Web

07/26/2023	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt is not yours	MI 49505	Web

06/01/2023	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt is not yours	AZ 85255	Web

06/01/2023	Yes	Debt collection Credit card debt	Written notification about debt Didn't receive enough information to verify debt	FL 33150	Web

05/24/2023	Yes	Debt collection Credit card debt	Written notification about debt Didn't receive enough information to verify debt	FL 33150	Web

05/22/2023	Yes	Debt collection I do not know	Communication tactics Frequent or repeated calls	GA 30336	Web

05/02/2023	Yes	Debt collection I do not know	Written notification about debt Didn't receive notice of right to dispute	FL 33150	Web

04/24/2023	Yes	Debt collection Credit card debt	Attempts to collect debt not owed Debt was result of identity theft	GA 30341	Web

04/18/2023	Yes	Debt collection Credit card debt	Attempts to collect debt not owed Debt was result of identity theft	AR 72120	Web

04/15/2023	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	NJ 07002	Web	Servicemember

03/25/2023	Yes	Debt collection Medical debt	Attempts to collect debt not owed Debt was paid	SC 29009	Web

03/22/2023	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt was result of identity theft	FL 33126	Web

03/20/2023	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt was result of identity theft	TN 38016	Web	Servicemember

01/24/2023	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	TN 37024	Web

01/04/2023	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	MD 21044	Web

12/15/2022	Yes	Debt collection I do not know	False statements or representation Attempted to collect wrong amount	MD 21044	Web

12/12/2022	Yes	Debt collection Payday loan debt	Communication tactics Frequent or repeated calls	XXXXX	Web

12/07/2022	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt was result of identity theft	MD 21044	Web

11/03/2022	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt was result of identity theft	TN 37923	Phone	Older American, Servicemember

11/03/2022	Yes	Debt collection Credit card debt	Attempts to collect debt not owed Debt is not yours	FL 33127	Web	Servicemember

10/19/2022	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt is not yours	PA 16823	Web

10/04/2022	Yes	Debt collection Medical debt	Attempts to collect debt not owed Debt is not yours	NJ 08103	Phone

09/19/2022	Yes	Debt collection Other debt	Threatened to contact someone or share information improperly Talked to a third-party about your debt	NJ 07712	Web	Older American

06/21/2022	Yes	Debt collection Credit card debt	Took or threatened to take negative or legal action Sued you in a state where you do not live or did not sign for the debt	FL 32308	Web

05/26/2022	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit repair services	Fraud or scam	NH 03820	Web	Servicemember

04/23/2022	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt is not yours	CA 91754	Web

04/22/2022	Yes	Debt collection Auto debt	Attempts to collect debt not owed Debt is not yours	TN 37601	Web

03/24/2022	Yes	Debt collection Credit card debt	Attempts to collect debt not owed Debt was result of identity theft	FL 33018	Web

02/21/2022	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt was paid	TX 77521	Web

02/21/2022	Yes	Debt collection I do not know	False statements or representation Indicated you were committing crime by not paying debt	IL 60406	Web

02/12/2022	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt was paid	NM 87121	Web

02/09/2022	Yes	Debt collection Credit card debt	Communication tactics Frequent or repeated calls	NY 11226	Web

01/26/2022	Yes	Debt collection Medical debt	False statements or representation Impersonated attorney, law enforcement, or government official	MI 49401	Web

01/07/2022	Yes	Debt collection Credit card debt	Attempts to collect debt not owed Debt was result of identity theft	GA 30263	Web

12/30/2021	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt is not yours	PA 17404	Web

12/17/2021	Yes	Debt collection Other debt	False statements or representation Attempted to collect wrong amount	NJ 08096	Web

12/07/2021	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Problem with a credit reporting company's investigation into an existing problem Investigation took more than 30 days	VA 20191	Web

12/01/2021	Yes	Debt collection Credit card debt	Attempts to collect debt not owed Debt was already discharged in bankruptcy and is no longer owed	TX 75056	Phone

12/01/2021	Yes	Debt collection Medical debt	False statements or representation Told you not to respond to a lawsuit they filed against you	GA 31903	Web	Servicemember

11/16/2021	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	SC 29210	Web

11/08/2021	Yes	Debt collection Medical debt	Attempts to collect debt not owed Debt is not yours	GA 30344	Web

10/26/2021	Yes	Debt collection Credit card debt	Attempts to collect debt not owed Debt is not yours	NY 11225	Referral

10/12/2021	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Improper use of your report Reporting company used your report improperly	GA 30101	Web

10/02/2021	Yes	Debt collection Credit card debt	Attempts to collect debt not owed Debt was result of identity theft	FL 33872	Web

09/14/2021	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	SC 29223	Web

09/09/2021	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Problem with a credit reporting company's investigation into an existing problem Their investigation did not fix an error on your report	SC 29073	Web

09/08/2021	Yes	Debt collection I do not know	Written notification about debt Didn't receive enough information to verify debt	CA 90503	Web

09/04/2021	Yes	Debt collection Credit card debt	Attempts to collect debt not owed Debt is not yours	TX 77449	Web

09/01/2021	Yes	Debt collection Credit card debt	Took or threatened to take negative or legal action Threatened to arrest you or take you to jail if you do not pay	FL 33872	Web

08/01/2021	Yes	Debt collection Auto debt	False statements or representation Attempted to collect wrong amount	CO 80239	Web

07/17/2021	Yes	Debt collection Medical debt	Communication tactics You told them to stop contacting you, but they keep trying	GA 30114	Web

07/15/2021	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt is not yours	SC 29203	Web

07/08/2021	Yes	Debt collection Medical debt	Written notification about debt Didn't receive enough information to verify debt	SC 29201	Web

06/29/2021	Yes	Debt collection I do not know	Written notification about debt Didn't receive enough information to verify debt	CA 90503	Web

06/09/2021	Yes	Debt collection I do not know	Communication tactics Frequent or repeated calls	OR 97212	Referral

05/07/2021	Yes	Debt collection Medical debt	Written notification about debt Didn't receive enough information to verify debt	SC 29209	Web

05/02/2021	Yes	Debt collection Credit card debt	Attempts to collect debt not owed Debt was result of identity theft	GA 30043	Web

04/27/2021	Yes	Debt collection Medical debt	Written notification about debt Didn't receive enough information to verify debt	GA 30087	Web

04/09/2021	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt is not yours	LA 70810	Web

03/31/2021	Yes	Debt collection Medical debt	Written notification about debt Didn't receive enough information to verify debt	CA 95355	Web

03/22/2021	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	GA 30281	Web

03/16/2021	Yes	Debt collection Medical debt	Attempts to collect debt not owed Debt was paid	SC 29150	Web	Servicemember

02/26/2021	Yes	Debt collection I do not know	Written notification about debt Didn't receive enough information to verify debt	IL 60060	Web

02/22/2021	Yes	Debt collection Medical debt	Took or threatened to take negative or legal action Threatened to sue you for very old debt	GA 30058	Phone

02/10/2021	Yes	Debt collection Credit card debt	Attempts to collect debt not owed Debt was result of identity theft	GA 30043	Web

12/17/2020	Yes	Debt collection Medical debt	Attempts to collect debt not owed Debt is not yours	SC 29940	Web

12/10/2020	Yes	Debt collection Auto debt	Threatened to contact someone or share information improperly Contacted you after you asked them to stop	IL 60601	Web

12/07/2020	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Problem with a credit reporting company's investigation into an existing problem Was not notified of investigation status or results	GA 30087	Web

11/30/2020	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt was paid	SC 29803	Web

11/13/2020	Yes	Debt collection Other debt	Written notification about debt Didn't receive enough information to verify debt	SC 29009	Fax

11/06/2020	Yes	Debt collection Medical debt	Written notification about debt Didn't receive enough information to verify debt	PA 19143	Web

11/05/2020	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt is not yours	SC 29016	Web

11/05/2020	Yes	Debt collection Other debt	Written notification about debt Didn't receive notice of right to dispute	SC 29010	Web

10/29/2020	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt is not yours	FL 32792	Web

10/22/2020	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	GA 30281	Web

09/02/2020	Yes	Debt collection Credit card debt	Attempts to collect debt not owed Debt is not yours	GA 30052	Web

09/01/2020	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt is not yours		Phone

08/28/2020	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	GA 30236	Web

08/20/2020	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Problem with a credit reporting company's investigation into an existing problem Their investigation did not fix an error on your report	GA 30316	Web

08/06/2020	Yes	Debt collection I do not know	Written notification about debt Didn't receive enough information to verify debt	MI 48084	Postal mail

07/25/2020	Yes	Debt collection Medical debt	Attempts to collect debt not owed Debt is not yours	TN 37416	Web	Older American, Servicemember

07/01/2020	Yes	Debt collection Medical debt	Took or threatened to take negative or legal action Threatened or suggested your credit would be damaged	GA 30215	Web	Servicemember

06/22/2020	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	MD 21136	Web

04/29/2020	Yes	Debt collection Medical debt	Attempts to collect debt not owed Debt is not yours	GA 30097	Web

04/25/2020	Yes	Debt collection Other debt	Communication tactics You told them to stop contacting you, but they keep trying	FL 34637	Web

04/24/2020	Yes	Debt collection I do not know	Written notification about debt Didn't receive enough information to verify debt	NY 10016	Postal mail

04/15/2020	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Problem with a credit reporting company's investigation into an existing problem Their investigation did not fix an error on your report	GA 30144	Web

04/10/2020	Yes	Debt collection Medical debt	Written notification about debt Didn't receive notice of right to dispute	SC 29061	Web

03/19/2020	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	VA 24112	Web	Servicemember

03/19/2020	Yes	Debt collection Other debt	False statements or representation Attempted to collect wrong amount	TX 77009	Postal mail

02/19/2020	Yes	Debt collection Other debt	Written notification about debt Didn't receive enough information to verify debt	MA 02170	Postal mail

02/14/2020	Yes	Debt collection Other debt	Took or threatened to take negative or legal action Collected or attempted to collect exempt funds	CA 92117	Phone

01/31/2020	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt is not yours	CA 95119	Phone	Servicemember

01/15/2020	Yes	Debt collection Credit card debt	Communication tactics You told them to stop contacting you, but they keep trying	SC 29414	Web

12/13/2019	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt is not yours	NJ 07960	Web

12/04/2019	Yes	Debt collection Medical debt	Took or threatened to take negative or legal action Threatened or suggested your credit would be damaged	GA 30517	Phone

11/18/2019	Yes	Debt collection Medical debt	Attempts to collect debt not owed Debt was result of identity theft	GA 30067	Web

11/12/2019	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt was paid	NY 11433	Web

11/07/2019	No	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Problem with a credit reporting company's investigation into an existing problem Their investigation did not fix an error on your report	SC 29203	Web

11/06/2019	Yes	Debt collection Credit card debt	Attempts to collect debt not owed Debt was result of identity theft	TN 38128	Web

10/23/2019	Yes	Debt collection Auto debt	Communication tactics Used obscene, profane, or other abusive language	PA 17543	Phone

10/21/2019	Yes	Debt collection I do not know	Written notification about debt Didn't receive enough information to verify debt	MO 64064	Phone

07/31/2019	Yes	Debt collection I do not know	Took or threatened to take negative or legal action Sued you without properly notifying you of lawsuit	UT 84119	Referral

07/02/2019	Yes	Debt collection Credit card debt	False statements or representation Indicated you were committing crime by not paying debt	GA 30349	Web

06/27/2019	Yes	Debt collection I do not know	Communication tactics Frequent or repeated calls	NH 03874	Web	Older American

06/20/2019	Yes	Debt collection Medical debt	Attempts to collect debt not owed Debt is not yours		Phone

04/30/2019	Yes	Debt collection I do not know	False statements or representation Impersonated attorney, law enforcement, or government official	VA 23453	Web

04/29/2019	Yes	Debt collection Other debt	Written notification about debt Didn't receive enough information to verify debt	IN 47136	Postal mail

04/15/2019	Yes	Debt collection Other debt	False statements or representation Indicated you were committing crime by not paying debt	WA 98188	Web	Servicemember

02/14/2019	Yes	Debt collection Medical debt	Written notification about debt Didn't receive enough information to verify debt		Phone

02/13/2019	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt is not yours	IL 60153	Web

01/18/2019	Yes	Debt collection Other debt	Written notification about debt Didn't receive enough information to verify debt		Fax

12/11/2018	Yes	Debt collection Medical debt	Written notification about debt Didn't receive notice of right to dispute	SC 29154	Web

11/27/2018	Yes	Debt collection Medical debt	Attempts to collect debt not owed Debt was paid	LA 71295	Web

11/03/2018	No	Debt collection Medical debt	Written notification about debt Didn't receive notice of right to dispute	GA 30349	Web

10/30/2018	No	Debt collection I do not know	Threatened to contact someone or share information improperly Talked to a third-party about your debt	NY 11211	Web

08/28/2018	No	Debt collection Medical debt	Written notification about debt Didn't receive enough information to verify debt	AZ 85345	Web

08/18/2018	Yes	Debt collection Medical debt	Communication tactics You told them to stop contacting you, but they keep trying	SC 29151	Web

07/14/2018	No	Debt collection Other debt	Communication tactics Frequent or repeated calls	MI 48045	Web

06/19/2018	Yes	Debt collection I do not know	Written notification about debt Didn't receive enough information to verify debt	IN 46818	Referral

05/25/2018	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt is not yours		Phone

05/17/2018	No	Debt collection Other debt	Communication tactics Frequent or repeated calls	AL 35212	Web

04/27/2018	Yes	Debt collection Medical debt	Attempts to collect debt not owed Debt is not yours	NM 87124	Web	Older American, Servicemember

04/26/2018	Yes	Debt collection Medical debt	Took or threatened to take negative or legal action Threatened to sue you for very old debt	GA 30058	Web

04/26/2018	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Problem with a credit reporting company's investigation into an existing problem Their investigation did not fix an error on your report	GA 30058	Web

04/18/2018	Yes	Debt collection Medical debt	Attempts to collect debt not owed Debt was result of identity theft	NC 28075	Web

03/30/2018	Yes	Debt collection I do not know	Communication tactics You told them to stop contacting you, but they keep trying	GA 30341	Web

02/22/2018	Yes	Debt collection Medical debt	Attempts to collect debt not owed Debt was already discharged in bankruptcy and is no longer owed	GA 30014	Web	Older American

01/29/2018	Yes	Debt collection Medical debt	Written notification about debt Didn't receive enough information to verify debt	SC 29229	Web

01/28/2018	Yes	Debt collection Medical debt	False statements or representation Attempted to collect wrong amount	MI 48235	Web

01/17/2018	Yes	Debt collection Other debt	Written notification about debt Didn't receive enough information to verify debt	FL 33435	Referral

12/12/2017	Yes	Debt collection Medical debt	Written notification about debt Didn't receive enough information to verify debt	AL 35126	Phone

12/01/2017	Yes	Debt collection Other debt	Written notification about debt Didn't receive enough information to verify debt	CA 95135	Postal mail

11/02/2017	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt was result of identity theft	MD 20815	Web

10/11/2017	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Account information incorrect	FL 34233	Web	Servicemember

09/05/2017	Yes	Debt collection Medical debt	Written notification about debt Didn't receive enough information to verify debt	SC 29203	Web

08/24/2017	Yes	Debt collection I do not know	Written notification about debt Didn't receive notice of right to dispute	AL 36330	Web

08/08/2017	Yes	Debt collection Medical debt	Attempts to collect debt not owed Debt was paid		Phone	Servicemember

08/06/2017	No	Debt collection I do not know	Written notification about debt Didn't receive enough information to verify debt	AZ 85043	Web

07/03/2017	Yes	Debt collection Other debt	Communication tactics Used obscene, profane, or other abusive language	CA 91402	Phone

06/24/2017	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt is not yours	GA 30160	Web

05/23/2017	Yes	Debt collection Medical debt	Attempts to collect debt not owed Debt is not yours	NC 28214	Web

04/26/2017	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt is not yours	GA 30144	Web

04/19/2017	Yes	Debt collection I do not know	Communication tactics Frequent or repeated calls	TX 77701	Phone

04/10/2017	Yes	Debt collection Medical	Disclosure verification of debt Not given enough info to verify debt	NC 28214	Web

04/05/2017	Yes	Debt collection Medical	Disclosure verification of debt Right to dispute notice not received	SC 29209	Web

03/27/2017	Yes	Debt collection Medical	Cont'd attempts collect debt not owed Debt is not mine	GA 30506	Referral

03/26/2017	Yes	Debt collection Medical	Improper contact or sharing of info Talked to a third party about my debt	TX 77044	Web

03/24/2017	Yes	Debt collection Medical	Disclosure verification of debt Right to dispute notice not received	AZ 85308	Web	Older American

03/15/2017	Yes	Debt collection I do not know	Cont'd attempts collect debt not owed Debt is not mine	IL 60624	Web

03/14/2017	Yes	Debt collection Other (i.e. phone, health club, etc.)	Disclosure verification of debt Not given enough info to verify debt	TX 78234	Referral

03/09/2017	Yes	Debt collection Medical	Cont'd attempts collect debt not owed Debt was paid	GA 30144	Web

03/06/2017	Yes	Debt collection Medical	Communication tactics Frequent or repeated calls	AZ 85022	Web

02/15/2017	No	Payday loan	Charged fees or interest I didn't expect	NV 89101	Web

01/19/2017	No	Debt collection Auto	Disclosure verification of debt Not given enough info to verify debt	CO 80915	Referral

01/04/2017	Yes	Debt collection Medical	Cont'd attempts collect debt not owed Debt is not mine	GA 39823	Web	Servicemember

12/22/2016	Yes	Debt collection Medical	False statements or representation Attempted to collect wrong amount	SC 29054	Referral

12/13/2016	Yes	Debt collection Medical	Cont'd attempts collect debt not owed Debt was paid	IL 60620	Web	Servicemember

11/14/2016	Yes	Debt collection Medical	Cont'd attempts collect debt not owed Debt is not mine	SC 29210	Web

11/11/2016	No	Debt collection Other (i.e. phone, health club, etc.)	Disclosure verification of debt Not given enough info to verify debt	IL 60653	Web

10/30/2016	Yes	Debt collection Medical	Disclosure verification of debt Not given enough info to verify debt	GA 30144	Web

10/28/2016	Yes	Debt collection Medical	Disclosure verification of debt Right to dispute notice not received	GA 30241	Web

10/05/2016	Yes	Debt collection Medical	Cont'd attempts collect debt not owed Debt is not mine	NC 28204	Web

09/15/2016	No	Debt collection Medical	Communication tactics Used obscene/profane/abusive language	MI 48179	Web

08/30/2016	No	Debt collection Other (i.e. phone, health club, etc.)	Disclosure verification of debt Not given enough info to verify debt	FL 33130	Postal mail

08/26/2016	No	Debt collection I do not know	Disclosure verification of debt Not given enough info to verify debt	AZ 85016	Web

08/09/2016	Yes	Debt collection Medical	Cont'd attempts collect debt not owed Debt is not mine	AL 36277	Web

04/29/2016	Yes	Debt collection Other (i.e. phone, health club, etc.)	Cont'd attempts collect debt not owed Debt is not mine	GA 30064	Phone

04/22/2016	Yes	Debt collection Other (i.e. phone, health club, etc.)	Cont'd attempts collect debt not owed Debt is not mine	SC 29506	Web

04/22/2016	Yes	Debt collection Other (i.e. phone, health club, etc.)	Cont'd attempts collect debt not owed Debt is not mine	TN 37807	Phone

04/20/2016	Yes	Debt collection Other (i.e. phone, health club, etc.)	Disclosure verification of debt Not given enough info to verify debt	GA 30281	Web

04/18/2016	Yes	Debt collection Medical	Cont'd attempts collect debt not owed Debt was paid	GA 30281	Web

03/29/2016	Yes	Debt collection I do not know	Cont'd attempts collect debt not owed Debt is not mine	CA 94965	Web	Older American

03/02/2016	Yes	Debt collection Other (i.e. phone, health club, etc.)	Cont'd attempts collect debt not owed Debt is not mine	AZ 85302	Web

01/26/2016	No	Debt collection Medical	Cont'd attempts collect debt not owed Debt was paid	SC 29073	Web

09/16/2015	Yes	Debt collection Medical	Cont'd attempts collect debt not owed Debt is not mine	CA 90250	Web

08/27/2015	Yes	Debt collection Payday loan	Disclosure verification of debt Not given enough info to verify debt	CA 93257	Phone

08/21/2015	Yes	Debt collection Medical	Taking/threatening an illegal action Sued w/o proper notification of suit	OK 74701	Web

05/20/2015	No	Debt collection Other (i.e. phone, health club, etc.)	Cont'd attempts collect debt not owed Debt resulted from identity theft	MI 48223	Web

03/18/2015	No	Debt collection Other (i.e. phone, health club, etc.)	Cont'd attempts collect debt not owed Debt is not mine	CA 92268	Postal mail

03/11/2015	No	Debt collection Medical	False statements or representation Attempted to collect wrong amount	GA 31522	Web

03/05/2015	No	Debt collection Credit card	Communication tactics Frequent or repeated calls	OR 97008	Web

02/27/2015	No	Bank account or service Checking account	Making/receiving payments, sending money	MO 63628	Web	Older American

02/26/2015	No	Debt collection Other (i.e. phone, health club, etc.)	False statements or representation Attempted to collect wrong amount	CA 91604	Web

02/24/2015	No	Debt collection Medical	Cont'd attempts collect debt not owed Debt was paid	AZ 85301	Web

02/06/2015	No	Debt collection Credit card	Communication tactics Called after sent written cease of comm	NV 89128	Web

01/21/2015	No	Debt collection Other (i.e. phone, health club, etc.)	Disclosure verification of debt Right to dispute notice not received	MI 48225	Web

12/19/2014	No	Debt collection Credit card	Improper contact or sharing of info Talked to a third party about my debt	NY 10465	Phone

12/19/2014	No	Debt collection Other (i.e. phone, health club, etc.)	Cont'd attempts collect debt not owed Debt was paid	FL 33764	Web

12/12/2014	No	Debt collection Other (i.e. phone, health club, etc.)	Cont'd attempts collect debt not owed Debt is not mine	FL 33308	Referral

12/10/2014	No	Debt collection Credit card	Disclosure verification of debt Not given enough info to verify debt	CO 80401	Web

11/27/2014	No	Debt collection Credit card	Cont'd attempts collect debt not owed Debt is not mine	NV 89123	Phone

11/23/2014	Yes	Debt collection Auto	Cont'd attempts collect debt not owed Debt is not mine	OH 44685	Web

11/10/2014	Yes	Debt collection I do not know	Cont'd attempts collect debt not owed Debt is not mine	AZ 85226	Web

11/02/2014	No	Debt collection Medical	Cont'd attempts collect debt not owed Debt was paid	TX 78258	Web

10/30/2014	No	Debt collection Medical	Cont'd attempts collect debt not owed Debt was paid	FL 34603	Referral

10/09/2014	Yes	Debt collection Medical	False statements or representation Attempted to collect wrong amount	SC 29016	Web

10/02/2014	Yes	Debt collection Medical	Cont'd attempts collect debt not owed Debt is not mine	FL 34609	Web

09/26/2014	Yes	Debt collection Credit card	False statements or representation Attempted to collect wrong amount	NY 11375	Web

09/15/2014	Yes	Debt collection Auto	False statements or representation Attempted to collect wrong amount	UT 84129	Web

09/12/2014	Yes	Debt collection I do not know	Cont'd attempts collect debt not owed Debt is not mine	FL 33183	Web

09/11/2014	Yes	Debt collection I do not know	Cont'd attempts collect debt not owed Debt is not mine	IL 61032	Phone

09/03/2014	Yes	Debt collection I do not know	Taking/threatening an illegal action Threatened arrest/jail if do not pay	TX 77042	Web

09/02/2014	Yes	Debt collection Other (i.e. phone, health club, etc.)	Communication tactics Threatened to take legal action	MA 02151	Postal mail

09/02/2014	Yes	Debt collection Other (i.e. phone, health club, etc.)	Improper contact or sharing of info Contacted me instead of my attorney		Postal mail

08/18/2014	Yes	Debt collection Medical	Cont'd attempts collect debt not owed Debt was paid	NY 11758	Web	Servicemember

07/09/2014	No	Debt collection Medical	Cont'd attempts collect debt not owed Debt was paid	NY 12866	Web

07/03/2014	Yes	Debt collection Medical	Cont'd attempts collect debt not owed Debt was paid	CA 92604	Web

07/01/2014	Yes	Debt collection Credit card	Communication tactics Threatened to take legal action	OH 45644	Web	Servicemember

06/23/2014	Yes	Debt collection Other (i.e. phone, health club, etc.)	Disclosure verification of debt Not given enough info to verify debt	LA 70769	Web	Servicemember

06/10/2014	Yes	Debt collection Credit card	Communication tactics Frequent or repeated calls	FL 32526	Web

05/31/2014	Yes	Debt collection Credit card	Disclosure verification of debt Not given enough info to verify debt	NC 28273	Web

05/05/2014	Yes	Debt collection Other (i.e. phone, health club, etc.)	Communication tactics Called outside of 8am-9pm	AZ 85373	Web

04/22/2014	Yes	Debt collection I do not know	Improper contact or sharing of info Talked to a third party about my debt	NY 11238	Web

04/21/2014	Yes	Debt collection Medical	Improper contact or sharing of info Talked to a third party about my debt	GA 31522	Web

04/02/2014	Yes	Debt collection I do not know	Communication tactics Threatened to take legal action	GA 30117	Phone

02/26/2014	Yes	Debt collection Credit card	Disclosure verification of debt Right to dispute notice not received	IL 62220	Web

02/25/2014	Yes	Debt collection I do not know	Cont'd attempts collect debt not owed Debt is not mine	CA 96158	Web	Older American

02/21/2014	Yes	Debt collection I do not know	Communication tactics Frequent or repeated calls	FL 32811	Web

02/18/2014	Yes	Debt collection Credit card	Communication tactics Called outside of 8am-9pm	CA 92866	Web

02/13/2014	Yes	Debt collection Payday loan	Taking/threatening an illegal action Threatened arrest/jail if do not pay	CA 92705	Web

02/02/2014	Yes	Debt collection Credit card	Taking/threatening an illegal action Sued w/o proper notification of suit	WI 54864	Web

01/30/2014	Yes	Debt collection Medical	Cont'd attempts collect debt not owed Debt is not mine	SC 29212	Web

12/19/2013	Yes	Debt collection I do not know	Disclosure verification of debt Right to dispute notice not received	SC 29732	Web	Servicemember

12/13/2013	Yes	Debt collection Medical	Disclosure verification of debt Not given enough info to verify debt	TN 37138	Phone	Older American, Servicemember

12/12/2013	Yes	Debt collection I do not know	Disclosure verification of debt Not given enough info to verify debt	PA 19061	Web	Servicemember

12/11/2013	Yes	Debt collection Other (i.e. phone, health club, etc.)	Cont'd attempts collect debt not owed Debt is not mine	GA 30047	Web	Older American

12/06/2013	Yes	Debt collection Credit card	Cont'd attempts collect debt not owed Debt was paid	MN 55345	Web

12/05/2013	Yes	Debt collection I do not know	Cont'd attempts collect debt not owed Debt is not mine	IL 60608	Web

12/04/2013	Yes	Debt collection I do not know	Communication tactics Frequent or repeated calls	FL 32780	Web

11/26/2013	Yes	Debt collection I do not know	Disclosure verification of debt Right to dispute notice not received	TX 75032	Web

10/29/2013	Yes	Debt collection Credit card	False statements or representation Attempted to collect wrong amount	MI 49017	Web

10/18/2013	Yes	Debt collection Medical	Cont'd attempts collect debt not owed Debt is not mine	TN 37209	Web

10/03/2013	Yes	Debt collection Other (i.e. phone, health club, etc.)	False statements or representation Attempted to collect wrong amount	LA 70047	Web

09/18/2013	Yes	Debt collection I do not know	False statements or representation Indicated committed crime not paying	CA 94705	Web

08/16/2013	Yes	Debt collection Credit card	Disclosure verification of debt Right to dispute notice not received	OR 97070	Web

07/22/2013	Yes	Debt collection Other (i.e. phone, health club, etc.)	Cont'd attempts collect debt not owed Debt is not mine	CA 93644	Phone

07/12/2013	Yes	Debt collection Other (i.e. phone, health club, etc.)	Communication tactics Used obscene/profane/abusive language	CA 92301	Web

07/10/2013	Yes	Debt collection Other (i.e. phone, health club, etc.)	Cont'd attempts collect debt not owed Debt is not mine	IN 47459	Web