The Thomas Agency, Inc. CFPB Complaints

2000 Latest Complaints

Date Received	Timely Response	Product	Issue	State / Zip	Submitted Via	Tags
08/07/2020	No	Debt collection I do not know	Attempts to collect debt not owed Debt is not yours	GA 30046	Web
XXXX XXXX XXXX XXXX XXXX XXXX, Ga XXXX THE THOMAS AGENCY INC XXXX XXXX XXXX XXXX XXXX XXXX The Thomas Agency XXXX XXXX XXXX, XXXX XXXX XXXX, ME XXXX RE : AccountS # 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.
10/22/2021	No	Debt collection Medical debt	Attempts to collect debt not owed Debt was paid	WV 25801	Web	Servicemember
Hello so I've reached out to an Agency that had been trying to collect on a medical bill that was covered under insurance by 2 different insurance companies. This is another account that had been reported. I recentley put a complaint in for this collection agency that had reported many of these to the credit bereau over 10. And thanks to your help with the communication to this Agency they have been removed. This Agency knows and acknowledged that ive had insurances i had multiple insurances that would have covered all these medical bills and still had reported them with this knowledge. With this past complaint I see I missed putting in one of these accounts in my previous complaint. The Thomas Agency still has another medical debt reported on my credit report with derogatory remarks and it is within the same time frame as the past accounts but I failed to put in my 1st complaint there was so many I missed this 1 account. It is from XXXX XXXX XXXX XXXX from over 3 years ago that would have been covered under my insurance ive reached out to the debtor allready and they waited so long to bill them that again my insurances that were covering everything at the time was not billed in appropriate time frame and the collection agency Again has the proof of insurance that were on file that would have covered these and has acknowledged this allready still has this on my credit for a delinquent derogatory account from medical related billing it has not been updated since the report was made over 3.5 yes ago ive had my dependents and myself covered under insurance through State of Maine XXXX XXXX at the time and many years before this since my first child back in XXXX And also Veteran Affairs Insurance since XX/XX/XXXX when I recieved my XX/XX/XXXX XX/XX/XXXX XXXX RATING for my 100 % Service Connected Unemployable XXXX that I was issued.in XXXX. This report is over {$700.00} bill that should have been settled the 1st time I contacted and showed proof to the THOMAS XX/XX/XXXXAGENCY Of insurance coverage they know I had for myself and all my dependents all XXXX of my children myself and children have been covered for as long as XXXX. Ive done everything I can to get this Agency to remove these accounts that were reported that were covered. All reports except this last one were removed and I would like this last account the largest bill they've reported to please be removed from my credit and the derogatory remarks updated to my credit report so I can finally get my credit to where it should be now this has obviously had negative affects on my credit for a long time and should have never been reported and billed to charge me years ago I've been working on this Thomas Agency to have this taken care of and I hope this will be the last time I have to ever put a complaint in the last one was my first ever complaint filed and The Thomas Agency Has all the information they would have needed to remove all these from my credit but after years of having all my insurance info at there disposal and after contacting them and going over all this they never did so until I reached out to you if there's any information you need from myself about this reported account or anything to clarify this I'm more than happen to assist with any documents or dates that you may need for myself or any of my dependents I am more than happy to assist. Again I hope this matter can be resolved quickly and removed from my credit report. Thank you very much for your assistance in this matter.Take care
04/18/2016	Yes	Debt collection Auto	Cont'd attempts collect debt not owed Debt is not mine	ME 04106	Web
My credit is being hurt because the sharks ( XXXX ) trying to wrongfully charge me or the collections agency ( Thomas Agency ) who partner with them are the only entities that can tell the credit bereau that I do not rightfully owe them money which they will not do because they obviously want it wrongfully. I XXXX and went to XXXX. I was scheduled for XXXX at a XXXX Facility, The XXXX XXXX XXXX, and applied for XXXX by XXXX. They helped me very quickly with my XXXX Determination, the box next to ACCEPTED was checked and next to it reads " The hospital or physician practice will provide care at no charge to you for any participating XXXX facility or physician practice bill NOT paid by insurance or other payers. XXXX XXXX will be valid 'For outpatient services- thru XXXX/XXXX/15 ''. The entire bill is outpatient and covered. I was harassed over the phone several times by XXXX 's financial coordinator and sent her copies of my free care determination form which she said very bluntly that they were not going to accept it and we did that phone dance. Then I was being harassed by The Thomas Agency collections, and there is no way to reason with those people, they talk over you say their client does n't accept XXXX with no explanation of why they are above the law, and hang up shouting " Pay us the money ''. I checked my credit score and noticed that the credit bereaus are holding the collections debt against me so I put disputes into XXXX and XXXX. I received an Investigation Report from Transunion even though they never contacted me for my side of the story, the log in link to XXXX was broken which I needed to log into to add a XXXX word statement. I called the number on the investigation report and explained, they gave me another number for customer service to which I explained again, they said they were going to send me to " special handling '' ( which name implies to me that I am already in the wrong and considered by them to be irate ). The special handling lady was actually very helpful. She said she would type my explanation and submit a re-investigation. However she explained to me that regardless in order to remove the charge that either the biller XXXX or collections agency ( Thomas Agency ) had to remove the charge or say they did n't want the money ( which they know I rightfully do not owe them in the first place so why would they stop trying to pry it from me now? ). She told me about the CFPB and said that it was the best shot place to contact for help and here I am typing. I would very much appreciate help for my case. I feel the system is messed up and these big companys can just bully the little low income guy because the credit bureau takes their word about false debts and then the credit bureau can not even undo the harm after investigating the legitimacy of the charge.
04/14/2016	Yes	Debt collection Medical	Disclosure verification of debt Not given enough info to verify debt	WA 98022	Web
Back in XXXX I moved from XXXX to XXXX. Before the move, I had went to USPS to place a forwarding address to send all mail to my new XXXX address. Well apparently, XXXX bills that I owed never got sent to the XXXX address as it should have. Anyhow, as you can imagine, during the moving process, settling into a new place/home, finding a new job kind of taken my attention away of the XXXX bills I knew I had to pay for when the bill came in the mail. About 5 months had passed and I believe a lady in XXXX XXXX called me from The Thomas Agency saying I have some bills to pay on and can do so over the phone right now. I immediately said what bills and explained I have n't received any bills from XXXX since being here in XXXX for 5 months. I told her I wanted those to be sent to me asap so I can review them myself to make sure I actually still owe the correct amounts before making any payments. I also only make payments with a bills statement. This lady was going to go ahead and wanted me to pay on the bills over the phone without even explaining to me what each bill was for. I told her I refuse to pay on anything until I see the bills and the lady hung up on me unprofessionally. I never heard from anybody from the Thomas Agency nor received any of the bills in the mail since. I received a new credit card some time back XXXX of XXXX so that led to a credit score report generated and that is when I saw the XXXX bills from the Thomas Agency. I went on their website to contact them but found out I could pay on the bills on their website which I would have done back in XXXX if the option was ever given to me then. Anyhow, so I paid off XXXX of XXXX bills then paid off the last bill on the following next pay check. All payments were made by Auto-Withdrawals from my XXXX account. Recently, back on XXXX XXXX, XXXX I purchased a new car lease and that generated another credit score report. I went onto my XXXX account to generate a free credit report for myself and that is when I saw XXXX bill from the list from The Thomas Agency for {$130.00} listed as STATUS : Unknown when it should be STATUS : PAID. I sent them my first email on XXXX/XXXX/XXXX to get a status on this but I have not heard back from anyone there. I sent a follow up Email asking for a response again but added if I did n't hear back from them soon after 2-3 days that I would escalate this issue myself and here we are.
04/23/2018	No	Debt collection Medical 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 338XX	Web
The Thomas Agency ( Address : XXXX XXXX XXXX XXXX XXXX, XXXX, ME XXXX & Phone : XXXX ) contacted me by phone in XX/XX/XXXX regarding a medical debt for a XXXX XXXX in XX/XX/XXXX. I thought this debt was paid in full but it turned out I still owed a balance. Their representative claimed they had attempted to contact me by mail multiple times but I had never received a single letter. The representative I spoke with refused to put me on a payment plan, stating that since I had not responded to letters I had never received that I could not be trusted to make on time monthly payments. I asked if they would take a smaller amount for the time being until I could pay off more of the debt and the representative made fun of me stating, " That's it, that's all you can pay? '' At the time, I was only making $ XXXX/month. I told her that's all I could pay at the time and asked that if I made a good faith payment if they could not report it to my credit report. The representative laughed and stated that she could send the police to my house to have me arrested for what I owed. I hung up because I did not feel it was appropriate to be talked to this way. I called back and spoke with another woman who stated that The Thomas Agency had confused my address with someone else which explained why I did not receive any letters. I asked if I could be placed on a payment plan and she said that she didn't believe this would be a problem so she placed me on hold so she could speak to her manager. As it turned out, her manager was the woman I had hung up on. When I spoke with this woman again, she was even more cruel stating she would begin reporting my account to the credit bureaus.When I brought up what her employee had said, the woman said that she was stupid and didn't know anything. I later took out a student loan so I could cover the cost. I realize that I am reporting this late but whenever I check my credit report, I see this record and I remember what I went through. I was XXXX and XXXX after this incident and had a difficult time opening lines of credit after this incident. I felt like I had been punished unfairly and illegally.
10/23/2022	No	Debt collection Other debt	Written notification about debt Didn't receive enough information to verify debt	ME XXXXX	Web
I received a collections notice from The Thomas Agency on behalf of XXXX XXXX XXXX XXXX on XX/XX/XXXX, notifying me of a debt in the amount of {$680.00}. I disputed this debt via letter on XX/XX/XXXX, but never received a response. In XX/XX/XXXX I went to apply for a personal loan through my bank, and was not approved due to this outstanding debt on my credit report. I contacted The XXXX Agency via phone on XX/XX/XXXX, and was told that they had mailed me a copy of the itemized invoice for my debt shortly after receiving my letter in XX/XX/XXXX. I reported that I had never received this documentation, and after verifying The XXXX Agency had my correct mailing address, requested another copy sent to me. The XXXX Agency reported they would mail me another copy ASAP, which I never received. I filed complaints against The XXXX. Agency and XXXX XXXX XXXX XXXX with the Consumer Financial Protection Bureau on XX/XX/XXXX, but never received a resolution. On XX/XX/XXXX I received a letter from the The XXXX. Agency, including an itemized invoice from XXXX XXXX XXXX XXXX showing an outstanding debt of {$440.00}. I contacted The XXXX Agency again via phone on XX/XX/XXXX, and was told the debt is in the amount of {$680.00}. I disputed this, as it did not match the documentation I received and it took almost a full year for me to receive this information. The XXXX. Agency told me it took so long because they did not hear back from XXXX XXXX XXXX, despite my previous phone call in XX/XX/XXXX when a representative confirmed that the information was mailed to me. The XXXX Agency also said that they would be reaching out to XXXX XXXX XXXX again to address the discrepancy in the amount of the reported debt, and they would get back to me. In the meantime, they will put a hold on this debt being on my credit report for 60 days while the matter is investigated. They said that if I did not hear from them within this time frame I should try following up. This issue has debilitated my financial well-being for almost a year now.
01/19/2022	No	Debt collection Medical debt	Took or threatened to take negative or legal action Threatened or suggested your credit would be damaged	ME 046XX	Web
I underwent a XXXX XXXX on XX/XX/21. This was improperly coded and thus I was billed for the procedure. I contacted the hospital where the procedure was done and asked for it to be correctly billed. The XXXX billing company, XXXX XXXX XXXX XXXX sent a bill. I contacted them regarding the claim and asked that they resubmit with the correct information. I did this in writing by returning the bill that was sent with a note attached stating that XXXX was reviewing the corrected claim. Despite this I received a letter from " The Thomas Agency '' of XXXX ME dated XX/XX/21. The letter stated the account was with " us for collection. '' I promptly called the Thomas Agency and was told rather rudely that I would have to have XXXX XXXX XXXX XXXX rescind the collections request. I spoke with XXXX at XXXX on XX/XX/21 who said she would immediately send an email to The Thomas Agency rescinding the request for collections. Despite this action I received another letter from the Thomas Agency on XX/XX/21. I promptly called XXXX on XX/XX/21 and was told another email would be sent and followed up with a call to The Thomas Agency on XX/XX/21 once again stating XXXX had emailed them and the debt should have been rescinded. They reported that they still hadn't received any such communication from XXXX but were helpful enough to put the account on hold for 90 days. As a consumer I feel I have followed through on this erroneous medical bill and despite my best efforts am not having my credit protected. I hope this action involving the CFPB will help other patients not have the same situation occur. Patients need to have an advocate, beyond an appeal to their insurance company, for medical billing errors. Patients also need an advocate to turn to for assistance in navigating the multiple billing departments and collections agencies that do not have the patient 's best interest in mind. I appreciate your willingness to advocate for patients.
08/11/2019	No	Debt collection Medical debt	Communication tactics Called before 8am or after 9pm	NH 038XX	Web
This complaint is regarding the Thomas Agency in XXXX, Maine. I was in a auto accident in XXXX 2017 when I lived in Maine. Three medical bills from this accident went to collections, two of which are with the Thomas Agency. I disputed all three because they should have never gone to collections as my personal injury attorney 's office should have sent out letters of protections directly to the initial creditors to stop these unpaid bills from going into collections due to an intent to sue the people found at fault for this accident. One, the largest bill for almost {$6000.00} was removed from collections. However, Thomas Agency has been very evasive, and at times has refused to respond to both my attorney 's office and myself by phone and in writing. Three weeks ago up to most recently, I offered by email to pay both items ( totaling less than {$2000.00} ) they report to the credit bureaus as in collections in exchange for them immediately removing both collections from all three credit bureaus and any and all other places they have reported such to. I would like to have these collections removed from my credit as soon as possible and have the agency accept the letter of protection from my attorney 's office, but this agency refuses to put anything in writing and has also refused to accept my offer of paying off these two debts in exchange for removing the collections. This agency has called to collect the debt after XXXX XXXX during the week and on Saturdays on 4 occasions, that I can remember. Lastly, I can provide copies of the two debts this agency has sent to collections. They are with my attorney 's office, but I will get copies. I hope I could receive some help in urging this company to communicate in writing and ultimately to resolve this issue in exchange for removing these items from collections expeditiously. Thank you.
06/14/2021	No	Debt collection Other debt	Written notification about debt Didn't receive enough information to verify debt	ME 040XX	Web
In XX/XX/XXXX, my wife and I were forced to leave our apartment. I was laid off and as a function of that our pending home purchase fell through. Our management company at the time ( XXXX XXXX of XXXX, Maine ) made no concessions or efforts to work with us during the COVID19 pandemic and this period of unemployment ( which persisted through XXXX and continues as of XX/XX/XXXX ). We located a temporary, barely habitable, rental and moved on XX/XX/XXXX. We did not receive our final bill from XXXX within the 30 days, as outlined in our lease, nor did they provide an itemized ledger. Instead, they sent our account to collections before providing us the opportunity to pay or make payment arrangements. Lastly, we had requested to settle with the landlord, a XXXX representative sent one email to this effect and sent us to collections anyway and without notice. Our complaint involves both XXXX and The Thomas Agency. On XX/XX/XXXX, The Thomas Agency sent us a notice that XXXX transferred our account to them. We disputed this ( through certified mail ; return receipt requested ) on XX/XX/XXXX. In our written dispute, we asked for validation and that Thomas Agency return our debt to XXXX so that we could continue to resolve our account directly. We have not heard from the Thomas agency since XX/XX/XXXX. They never provided validation of the debt, nor did they attempt to send any bills or contact me ( by phone, email, or mail ) to request payment or gather information. Instead, and without any notice, they began reporting this account to all three credit agencies in XXXX of XXXX. I have disputed this account with the credit agencies and The Thomas Agency continues to erroneously claim their information regarding an unvalidated debt is correct when it is not.
03/24/2015	No	Debt collection Medical	Cont'd attempts collect debt not owed Debt was discharged in bankruptcy	ME 041XX	Web	Servicemember
This debt was not discharged in bankruptcy but this was the only option above that was close to choose from. The XXXX refuses to remove the adverse reports from my credit file which is causing a negative impact on my credit scores despite several XXXX balances. The information is from medical billing that was caused by a current malpractice case. I am suing the Dr. for a procedure that was unnecessary. I have paid the debts ( and yes they were late ) and explained the circumstance which caused them, but when speaking with the supervisor XXXX from the agency, who BTW I asked for because the representative before him was rude and argumentative, insist XXXX that XXXX is not enough to remove it although it is XXXX of several reasons he gave for cause from his agency to do just that, and that the information on the collections was given to the agency late, not initially when the debts came in and that it accurately reflects who I am and the situation ( which it does n't fully ) I tried explaining that in my several disputes through XXXX, Equifax and XXXX ( who by the way REMOVED this from my XXXX to them ) I used the word litigation-he said that this was not XXXX for which I disagreed. I just want them to understand why the negative information is on there in the XXXX place and kindly remove it. since it should not have made it there to begin with. Not all but some of the representatives were rude and threatening that I have spoken with. This is so layered with incomplete notes from communication on their part and I feel helpless with a resolution. This company 's arrogance is not OK and should be investigated thoroughly which is where I think that you can help please. XXXX
09/10/2021	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 Problem with personal statement of dispute	WV 25801	Web	Servicemember
This Agency has reported multiple after multiple medical bills on my credit report. Ive contacted them with the information of the state health insurance that i had at the time informed them i also was a total permant service connected vet that i had that insurance as well.at the time. They told me they saw that i had insurance at the time and plenty of time before and after these medicql bills were charged. He refused to settle this matter because he said because the insurance could not be billed as of the current date being 2 years he said that now because the hospitals that billed me did not bill my insurances til it was to late to do so IM responsible for all these debts and this company keeps reporting this to credit beareu and thinks its ok and that i need to make payments in full and then maybe they would be removed i need help with these medical charges that were not my fault that they were billed to late to insurance companies that now IM responsible for these they have not bothered trying to do anything to correct these or even leave a statement of why these are still on my credit after 6 years of this i need help with this completley unreasonable company that refuses to take accountability for the mistakes in billing IM trying to buy a house with a VA home loan benefit and yhis company every chance it gets reports another {$110.00} here {$84.00} there and now i can not even deal with this person as they only want payment and they wont help with anything so after years of insurance covered health care ive had IM still repeadtly disputing these bills and getting no help with this and finding completley uncalled for negative comment on each bill reported
11/14/2018	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	ME 045XX	Web	Older American, Servicemember
I was very sick in XX/XX/2017 from XXXX treatment. I called the VA they told me to go to the nearest hospital. I could n't drive so i called an ambulance. They picked me up at my home held me as i walked down my stairs. I was XXXX and XXXX from the treatment and the lack of being able to XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. Again the Veterans Administration Hospital XXXX in XXXX Maine ( actually XXXX Maine ) Was responsible for the transport to the hospital by the Ambulance Company. And they were told 2 times that they were to bill the VA Hospital at XXXX Maine. Then when they sent the bill i told them again that they were to charge the VA hospital. I only received that one bill from the City of XXXX Maine. No other bills were sent. I had sold my home by that time and was moving to Florida and I did put in a forwarding address at the POST OFFICE. But I still never received a second billing so I assumed that the matter was settled and the VA paid the bill. Any way I started getting harassing phone calls from a Thomas Agency. They kept harassing me over and over and over again. I blocked all their numbers and stopped them from calling harassing me. I had explained to the City of XXXX that they needed to bill the VA Over and over but they did not follow my instructions so what can i do about that? If they had submitted a bill to the VA then they would have been paid. But they did not. So I can not help that. So they were upset because they didnt follow the instructions and sold the debt to a company that harassed me over and over and over again for their mistake.
11/03/2016	Yes	Debt collection Medical	Cont'd attempts collect debt not owed Debt is not mine	ME 049XX	Web
I have XXXX collections totaling {$3600.00} on my credit report that do not belong to me. The collection agency is Thomas Agency and the hospital that the bills are coming out of is XXXX XXXX. I have contacted both the hospital and the collection agency in reference to these bills and to no avail. I called both 2-3 months prior to inquire as to what the bills were for exactly. The ailments the hospital said I had gone in for ( a XXXX, for example ) were something I had not gone to the hospital for. In fact, I have lived in XXXX, ME since 2011 and have not gone to this hospital as it is in XXXX, ME. I have never received letters or bills in regards to any of these collections - I just noticed them on my credit report one day. When I called the collection agency to have them send me an itemized bill, I verified my address and was told I would receive something in 7-10 days. 2-3 months later and I have still not received anything. I did an online search for their Web site and noticed a place to make a payment. I thought that if I clicked on " Make A Secure Payment '' I would be able to see what I owed or, at the very least, how much I owed. However, there is just a rough looking form for me to enter in my name and credit card information. This site does not seem trustworthy to me at all. I am very upset at the fact that I have disputed these collections once already and they were verified as being valid ( somehow ). I really need some relief at this point because my credit score is hurting for collections that do not and have never belonged to me.
12/22/2018	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 Was not notified of investigation status or results	GA 316XX	Web	Servicemember
I filed for Bankruptcy XX/XX/2018 and went on to all three credit bureaus to make sure debts were showing such and if they didnt I disputed them and asked the bureaus to please update or delete the account. All creditors were notified by the US Bankruptcy court XXXX and XXXX did their part and either updated or deleted where XXXX has given me the hardest time getting this one account of my credit report and I disputed it three times since doing the bankruptcy as the confirmed the account that has be included in the bankruptcy and I told the creditor and XXXX on numerous times they are violating the us bankruptcy act but not updating the account to show XXXX balance and included in bankruptcy along with XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Colorado XXXX-XXXX on account # XXXX original creditor XXXX XXXX who already had taken their file off my three reports but this collection agency refuses even after numerous calls to them. XXXX is all refusing and aftr three disputes and I saying that I was filing a Dispute with your agency they want my ID and social security card to make things more hard on me. After completing the last investigation and threats of me filing this dispute items that were removed where put back on my credit file which were included in bankruptcy tonight the added then back down to drop my credit score 128 points in retaliation knowing they were included in bankruptcy under Thomas Agency. They violating Fair credit reporting act and should be held accountable
09/30/2022	No	Debt collection Other debt	Attempts to collect debt not owed Debt is not yours	ME 04210	Web
I received a collections letter stating I owe money to XXXX XXXX XXXX XXXX, and I have never done business with this company. XXXX XXXX 's phone lines are out of service, so I went there in person. There, an employee told me that XXXX XXXX recently purchased XXXX XXXX and that many people in my area were receiving these collection notices in error. She stated that some of the older accounts were never properly closed and are mistakenly showing a balance owed to XXXX XXXX that XXXX XXXX is now attempting to collect. A representative from The Thomas Agency would not give me any information and kept repeating that they have no further information. The manager from XXXX XXXX was supposed to get in touch with me and never did. I'm concerned that this false collection amount will damage my credit and also others in my community will have the same issue. The letter I received is dated XX/XX/22 and was sent to my parent 's address, which I haven't used in over a decade. I called and spoke to a representative with The Thomas Agency on XX/XX/22 and I also visited XXXX XXXX XXXX that same day. The XXXX XXXX XXXX employee that I spoke to stated that all of these false collection attempts are for the same dollar amount : {$130.00}. It is my understanding that XXXX XXXX XXXX is aware of the issue and not taking steps to correct it. The Thomas Agency may also be aware that the money they are attempting to collect is illegitimate, but they refused to give me any information.
10/23/2019	No	Debt collection Medical debt	Attempts to collect debt not owed Debt is not yours	ME 040XX	Web
On XX/XX/XXXX I noticed that the Thomas agency, a debt collection agency had reported collection to all three credit bureaus I immediately called the Thomas agency to find out information on what debt this would be. They said it was for a hospital bill under a name that was not mine but with the same last name. I stated that they must be an error because there was no one in my family with that name. The dance threatened me saying that it was my responsibility prove that this was not me. I then called the hospital and found out that they had made a clerical error and charged me and hired the Thomas agency to collect the debt for me under my social security number. Not only did this cost me great distress, but has put a scar on what was a perfect record over the last 7 years with no scars on my credit from any three of the bureaus. did damage has already been done, and I do not see it changing even though they assured me that it would. I asked him how they supposedly contacted me they said that they sent a letter to a town and the dress that I have never lived at and was returned. They failed and using due diligence in confirming that this was me and attached all this incorrect information to my social security number and my phone number. There are no documents to provide as I was never provided with any document by the thomas agency. All of this is recorded by the Thomas agency as stated by the verbal disclaimer when talking on the phone with them.
09/14/2018	No	Debt collection Other debt	Threatened to contact someone or share information improperly Talked to a third-party about your debt	ME 04106	Web
The Thomas Agency Inc. did not forward information to the updated address of my company listed with the State of Maine. Instead, they knowingly used unverified information to send sensitive financial information to a previous address that is not associated with my business and was never contact information provided to them by myself or the company attempting to collect. The Thomas Agency Inc., upon being confronted over the telephone with this fact on XX/XX/2018, maintained forcefully that they are not obliged to verify the information they obtain and that they are free to send my company information to whomever they wish. My company 's address is up-to-date with with the Maine State business registry and on it's official web site. The information The Thomas Agency Inc. willfully used was provided to them by XXXX, a data aggregation and sales company that holds no license or accreditation. I requested that they only send information to the updated address, available freely on official registries and provided directly by me. They threatened me by telling me they were free to send my information to whomever they please and would continue to do so, citing that the account is a corporate account and not a personal account. As an agent connected to the original company requesting debt collection, XXXX XXXX XXXX ( XXXX XXXX XXXX ) has violated there Privacy Policy.
04/17/2018	No	Debt collection Medical debt	Written notification about debt Didn't receive notice of right to dispute	ME 045XX	Web
I was required by XXXX in XXXX, ME to attend an XXXX XXXX in XXXX, ME. I arrived at XXXX XXXX on XX/XX/XXXX. I was working with XXXX to do reunification ; to get back custody of my XXXX year old son. XXXX required everyone to go to regular doctor, medical, and dental appointments as part of the overall treatment and recovery plan. I incurred debts with XXXX XXXX in the amount of {$2700.00}, and the account was sent to collections on XX/XX/XXXX. XXXX was fully paying for my XXXX costs, medications and mental health appointments ; but they were not paying for doctors visits.I was not aware of this at the time, and was blind sided when my credit score dropped to below 430. I tried to dispute it but they are relentless. I do not feel that I should be obligated to pay this debt, I was not aware of it, I was under the impression XXXX was covering these bills, it ruined my credit so that I stand NO chance of ever getting a home, they harassed me endlessly over the phone, and I suffered extreme mental stress because of this bill. I am not looking for a handout - But the whole situation was completely unfair. I have been sober for over 3 years now, regained custody of XXXX of my boys, and am happily married. This debt is literally sucking the life out of me.. I hope you are able to help!
09/10/2019	No	Debt collection Medical debt	False statements or representation Attempted to collect wrong amount	CO 80209	Web
In XX/XX/2019 I set up a payment plan with the Thomas Agency to pay an unreported debt I received notice about. I had an old debt that had been reported and was about to fall off my credit after hitting the 7 year mark. So we made a verbal agreement to set up a 6 month payment plan. Since they would not put it in writing, I sent my checks with accompanying letters confirming the arrangement, the debt to be paid and that acceptance of the check was acceptance of the terms of the agreement. Now four months later it has been brought to my attention that they have been taking my payments and applying them to the old debt. I noticed this after they pulled this debt off my credit report, only to re-report it the next month as a new debt. This has hurt my credit and the company is not taking any responsibility for this. Their only response was to take the payment off and report the same debt yet again. I do not know if this is payment plan of unreported debt is a scheme to get old debts paid off, but either way it is in breach of an agreement they made to me. Now I am in a position that my credit is going to get further destroyed, as a result of just trying to pay what I owe. I have saved my letters and accompanying check numbers.
03/15/2016	No	Debt collection Medical	Communication tactics Used obscene/profane/abusive language	ME 041XX	Web
While at college my parents had been collecting my mail. My parents are divorced so my address has changed. Along with the address confusion my mother and father had told me they would pay for the medical bills. I trusted that they would. My father called the agency to ask about the bills in collections and because they would n't speak to him he asked to give them permission. When I called the XXXX Agency I was not let known of the bills that were in collections, I simply asked to give my father permission to speak with them. A year later I applied for a educational loan and was denied due to the outstanding bills at the XXXX XXXX. When I found out that I had bills due I instantly called on XXXX XXXX, 2014 and paid the balances in full. I was checking my credit and discovered that although they say paid the collections still appear. I called the agency to ask to have this removed as I was not properly given the information regarding the debt and was denied. The women I spoke with was yelling and screaming and was communicating unprofessionally. I then asked to speak with the manager who would n't answer my questions clearly and kept asking if " I was finished. ''
04/09/2021	No	Debt collection Medical debt	Attempts to collect debt not owed Debt is not yours	SC 29209	Web	Servicemember
I have had several conversations with all parties involved since XXXX and there is still no active response to correct the issue. all parties are in complete understanding that there was a coverage issue, due to a misapplied insurance reporting. The insurance has agreed to reprocess said claims from XX/XX/XXXX. I have received documentation from the insurance confirming coverage for said date : XX/XX/XXXX. There should no no balance owed as it was covered 100 % under XXXX XXXX. The issue came when it was improperly reported that i had XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX, but rather I had changed XXXX/XXXX locations and providers from XXXX Maine, to XXXX, Maine. And, I didn't XXXX XXXX XXXX XXXX XXXX in XX/XX/XXXX, but rather she was born in XXXX, XXXX I have spoken with all parties involved, XXXX agreed the charges were covered 100 % by insurance, but the medical provider nor the collections company have resent the original EOB to XXXX for proper processing. But, rather they are continuing to damage my credit and seek payment for charges that are covered 100 % by insurance because they rendered false information to the insurance provider regarding my status.
04/19/2018	No	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Account status incorrect	ME 040XX	Web
I had my credit report ran by XXXX XXXX in XXXX ME, they used XXXX, a Thomas Agency report was on there from a few years ago, it has been paid for years and I've been fighting to get this off of my credit report for some time now. I was able to get it removed from XXXX and XXXX now I just need it to be removed off of XXXX. I went to the Thomas Agency- nothing they could do for me to take it off, even though its paid and has been paid for years now. Called up the XXXX company it was though- again nothing they could do to take it off. Contacted XXXX- They could take it off my credit report for a monthly subscription charge, at this point I'm furious, I just want it off my credit report, and I should not have to pay to do so, I hung up. I then contacted the CFPB talked with them about my day and experiences though the Thomas AgencyXXXX XXXX company and XXXX and he explained they should of just took it off without you paying a monthly fee, that's ridiculous! So here I am filing a complaint. We are trying to buy a house, that's why I m trying to get all my D. marks off of my credit report. Please help! Thank you.
12/21/2019	No	Debt collection Medical debt	Attempts to collect debt not owed Debt is not yours	ME 044XX	Web
XXXX XXXX XXXX ( XXXX ) had seen me for something a few years ago, at the point in time I had medical insurance and still have the same insurance. The Thomas Agency Inc opened an account on XX/XX/2018 in the amount of {$280.00}. For about the past 6 months I've been trying to get this debt resolved, my insurance company informed me that I needed to get an original copy of the bill. I contacted XXXX, I spoke with a supervisor there about needing an original copy of the bill being sent to my insurance copy due the the collection agency not being able to do so, I was told that a copy of the original bill was sent to the insurance company. It's been several months since the bill was supposed to be sent and I've yet to see the debt be resolved and the agency has stated that they're not aware of any payment being made. At this point I'm not sure who the fault should be in the hands of because both XXXX and the debt collectors are aware of my insurance company agreeing to pay the medical bill as I did have insurance on the date of service. My insurance company has informed me that the original bill was never received.
04/03/2018	No	Debt collection Medical debt	Written notification about debt Didn't receive enough information to verify debt	ME 04401	Web
Sometime in early XX/XX/2016 I was admitted to the hospital with an illness. I have very extensive healthcare coverage so I was not worried about it. About 8-10 months after that I started receiving calls from a restricted caller, trying to avoid scams I never answered. After repeated calls over the next month I finally answered and the caller stated I owed a debt to their collection agency. I asked for more information as well as an itemized bill to be sent to my residence. Even now a year and a half later I have received absolutely nothing in writing or by letter. They continued to call me over the next few months and I repeatedly asked for more information and an itemized bill. The caller assured me one has been sent to my address and verified my current address. I stated that I had not received anyone and asked for another to be sent. This exact exchanged happened a few times but I have yet to receive anything. Eventually the calls stopped so I assumed it to be fraudulent and forgot about it. Then just a week or so ago I see a huge hit to my credit score from this agency, this leads me here today.
03/21/2023	No	Debt collection Other debt	False statements or representation Attempted to collect wrong amount	ME 04240	Web
I rented my first apartment at XXXX in XXXX from XXXX XXXX XXXX XXXXXXXX XXXX XXXX. The place wasnt even fixed and done when they showed it to me, but I needed a place so I took it. In the two years I lived there, I suffered with cockroach and bedbug infestations. Spending thousands of my own money to replace things over and over. I got harassed by other tenants and the landlord did nothing about it. I got a new place and moved out in XXXX of XXXX. After I moved out, they renovated the entire apartment and charged it on my credit for damages for a total of over {$3000.00}. There is absolutely no way there was that amount in damages, they are just trying to make me pay the cost of their renovations. I seen the paperwork and their amounts and labor hours didnt even match up. I was a teen at the time so of course I didnt understand the importance of fighting it. Years later, Im trying to pay it so I can fix my credit and they wont negotiate with me at all and instead are trying to force me to pay the full amount. The company is the Thomas Agency in XXXX, Maine. Phone number is XXXX
07/08/2015	No	Debt collection Medical	Cont'd attempts collect debt not owed Debt is not mine	AZ 85029	Web
Estoppel letter dated XX/XX/XXXX, was presented to The Thomas agency as a result of their default in dishonor, via tacit acquiescence, regarding previously served Cease and Desist / Verification of Debt of which was received by their office XX/XX/XXXX, substantiated by certified receipt XXXX. The Thomas Agency (Collection Agent) was legally estopped from collecting and or reporting any/all of those alleged debts listed in Attachment XXXX, And yet, as of XX/XX/XXXX, the Thomas Agency continues to illegally report these alleged debts as though they are valid to all XXXX credit bureaus. Those alleged debts the Thomas Agency continues to report have never been validated though request for validation has been made over and over again. XXXX written request for validation was sent to the Thomas Agency XX/XX/XXXX with no response. A XXXX request for validation was sent to the Thomas Agency XX/XX/XXXX,no response. A XXXX request for validation was sent XX/XX/XXXX, no response. Last request sent XX/XX/XXXX, no response.
10/03/2020	No	Debt collection Medical debt	Written notification about debt Didn't receive notice of right to dispute	NH 03820	Web
I was taken to XXXX Hospital in XXXX of 2016 for a emergency, I had government issued health insurance which covered my medical bills 100 %. After a few months I started getting bills from the hospital saying I owed XXXX from the hospital. I tried many times calling in my insurance information to the hospital for them to send to the insurance, they did not put it through to my insurance but instead kept harassing me with bills again. I once again called in my information to the hospital. The hospital charges are broke down into each department that treats you. Every department put my bill through to my insurance all except XXXX themselves. Now they have sent it too collections. I have tried to dispute it through XXXX but they denied me even though I gave them all the information. XXXX Hospital has to have my insurance on file because I was seen in their emergency room in XX/XX/2016 for a XXXX XXXX, that lead to XXXX in XXXX for a XXXX XXXX that was covered XXXX by my insurance.
12/14/2018	No	Debt collection Medical debt	Attempts to collect debt not owed Debt is not yours	ME 04401	Web
I have disputed this account many times with no success. I sent XXXX letters on XX/XX/2018 I received a letter in the mail on XX/XX/2018 with a copy of a $ XXXX bill ( hippa violation? ) and absolutely nothing of VALIDATION. It is not validated and i can not get the company to properly validate? I expect the agency to follow federal law on debt verification and validation. WITHOUT SIGNATURE i am not going to be held responsible for a debt included in my identity theft report Without receiving proof that this debt was signed for and authorized by me than it needs to be removed, i have been a victim of identity theft and another person is being investigated for making charges in my name, if this is one of those cases, which it is and i am also proving by showing that the addresses on the bill do not match mine. I have attached my identity theft report with the Federal Trade Commission and will seek further action if necessary to remedy myself of this situation.
06/27/2018	No	Debt collection Other debt	Attempts to collect debt not owed Debt is not yours	ME 042XX	Web	Servicemember
I had come across some information on my credit report that did NOT belong to me. I disputed said alleged debt first with the credit bureaus. Their response was that the alleged debts were verified I had responded to the bureaus, and The Thomas Agency via certified mail, disputing the debt. I had asked for VALIDATION of such debts. I did NOT receive a response, yet they continued to violate FCRA & FDCPA laws by continuing to furnish such allegations. Attached are copies of the correspondence that I had with them. Due to your continued willful disregard of the law I intend to pursue litigation in accordance with the FCRA to seek relief and recover all monetary damages that I may be entitled to under Section 616 and Section 617 if the UNVERIFIED items listed in letters are not deleted. In addition XXXX has failed to follow the law, and has ignored validation requests as well as following protocols as outlined In the FCRA/FDCPA.
06/15/2017	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 Their investigation did not fix an error on your report	ME 040XX	Web
XXXX / XXXX / XXXX ... the Thomas agency XXXX XXXX XXXX XXXX / XXXX / XXXX ... the Thomas agency. XXXX XXXX XXXX XXXX XXXX / XXXX / XXXX ... XXXX the Thomas agency. XXXX XXXX XXXX XXXX XXXX XXXX XXXX the Thomas agency. XXXX XXXX XXXX XXXX XXXX XXXX / XXXX / XXXX ... XXXX the Thomas agency. XXXX XXXX XXXX XXXX XXXX XXXX / XXXX / XXXX ... XXXX the Thomas agency. XXXX XXXX XXXX XXXX I contacted all creditors with my Medical Insurance information, for them to correct their billing and reporting error, also reported thus information to The Thomas Agency, all said it would be corrected and removed, due to billings clerical err ors in not billing my insurance, for I 've never been without medical insurance. This is still on and hurting my credit so I can not improve my score.
03/05/2019	No	Debt collection Medical debt	False statements or representation Attempted to collect wrong amount	ME XXXXX	Web
THe Thomas Agency has called twice now, from an unidentified number, to leave messages stating I owe a debt to XXXX Hospital. I have verified with XXXX Hospital TWICE that there is no outstanding amount due. First the agency should not be calling from an unidentified number. I can only assume they don't want people to answer the phone. Secondly I have never received any written communication from the Thomas agency, only random pre-recorded phone calls that are made to my cell phone once the office is closed for the evening. I have twice now immediately called back only to be directed to an automated service, as the office is closed when these calls are generated. I have left messages that they are not to contact me via phone and to only contact me in writting. Additionally they need to verify what they are trying to collect with their client. .
02/03/2021	No	Debt collection Medical debt	False statements or representation Attempted to collect wrong amount	SC 29209	Web	Servicemember
I have had several conversations with all parties involved since XXXX and there is still no active response to correct the issue. all parties are in complete understanding that there was a coverage issue, due to a misapplied insurance reporting. The insurance has agreed to reprocess said claims from XX/XX/XXXX. I have received documentation from the insurance confirming coverage for said date : XX/XX/XXXX. There should no no balance owed as it was covered 100 % under XXXX XXXX. The issue came when it was improperly reported that i had given birth to my daughter XX/XX/XXXX, but rather I had changed OB/GYN locations and providers from XXXX XXXX XXXX XXXX XXXX. And, I didn't give birth to my daughter in XX/XX/XXXX, but rather she was born in XXXX, XXXX.
11/06/2015	Yes	Debt collection Other (i.e. phone, health club, etc.)	Cont'd attempts collect debt not owed Debt is not mine	ME 040XX	Web
Previous case # XXXX is on file. Company mailed me, stating debt is still owed, despite evidence shown that XXXX XXXX is responsible for ANY and ALL debts incurred by XXXX XXXX, on or before XXXX XXXX, 2015. This also hereby serves as an official cease and desist notification to this collection agency, including postal and or electronic mail, telephone communications of any kind, as well as credit reporting. The divorce decree was attached in the previous complaint. Also, 33 calendar days ago, I requested a list of any and all credits and debits of alleged debt. That honor has yet to be fulfilled, and it is beyond the 30 days of request, hereby making this attempted collection null and void, in accordance with the FCRA, and FDCPA.
05/19/2015	Yes	Debt collection I do not know	Cont'd attempts collect debt not owed Debt is not mine	GA 30350	Web
I found this company reporting to the credit bureaus that I am in collections on an account. Subsequently, I sent them a letter via certified mail to the address on my credit report same as on the XXXX website but it was returned undeliverable. Thinking this was an error, I re-sent the same letter again double checking the address. Unfortunately, based on me checking the USPS website for delivery confirmation the letter has still not been signed for and appears it is on its way back to me again. It seems that they are rejecting certified mail. It is unfair of them to report things on a persons credit report and then refuse to communicate via mail concerning the debt and how the error can be resolved.
07/13/2015	No	Debt collection I do not know	Cont'd attempts collect debt not owed Debt is not mine	NH 038XX	Web
The Thomas Agency regularly call my mobile phone and appear as an " Unknown Caller '', regardless of whether I answer or let it go to voice mail, the " caller '' is not a human and asks for someone I have never heard of before. The mobile number was obviously reassigned, but I can not make The Thomas Agency remove my number and stop calling me. I even called their office and spoke to someone who assured me they would remove my number ; I just received another call. There is no means I have found to remove my mobile number from their automated system, and the harassment continues. I ca n't even block them from my iPhone because their calls do not display Caller ID information to act upon.
03/18/2021	No	Debt collection Medical debt	Written notification about debt Didn't receive enough information to verify debt	ME 040XX	Web
Paid off a debt from the Thomas agency on XX/XX/2021 that was 6 years old and they refused to do a settlement they denied the dispute. So dished out the full amount and now they wont send me a letter of proof that this will be removed from all 3 credit bureaus, also refuse to send it to have taken off ASAP which its an urgent matter to have to this removed as soon as possible. Talked to two supervisors and two different repenstives and they were no help at all. This is an urgent matter were trying to buy a house and we only have so many days to get this taken off OR proof it will be taken off. The second guy I talked to was rude and made me sound like a liar. Not impressed.
07/09/2021	No	Debt collection I do not know	Written notification about debt Didn't receive enough information to verify debt	NC 27012	Web
XX/XX/2021 - I received a telephone call from a blocked number while at work. The message said that it was the Thomas debt collection company and that they have business with me. When I returned their call, I asked what debt they were calling about. To my knowledge, I do not have any outstanding debt. They refused to tell me who the debt was owed to or what it was owed for and requested a portion of SSN. I am not willing to give, even a portion, of my SSN to an unknown company. I asked why I have not received written notification of the debt or written notice of an attempt to collect. I asked to verify the address on the account. They would not verify it with me.
02/06/2023	No	Debt collection Other debt	Attempts to collect debt not owed Debt was paid	PR 009XX	Web
The Thomas Agency claims I owe a debt already paid to XXXX XXXX. I sent them a cease and desist and debt validation letter. They could not produce any documentation that I still owed the debt. They sent me a letter on XX/XX/ 2023 stating that I still haven't paid the debt and that they have reported it to the credit bureaus. XXXX. The debt has been paid directly to XXXX XXXX. The Thomas Agency has no right to try and continue to collect this debt. XXXX. They lied about placing the debt on my credit bureaus. I checked and this is not the case. This is against the FDCPA laws, and the company should be punished for violating them.
04/13/2017	No	Debt collection I do not know	Cont'd attempts collect debt not owed Debt is not mine	AZ 85022	Web
I only became aware of this debt by looking at my credit report. When I contactacte d the Thomas Agency they informed me the debt was from Delorme whith whom I have never personally done business with. The Address they had on file fo rthe debt is an address in Florida which I have never lived or resided at. When I contacted Delorme the original creditor they informed me that the debt was a debt owed by a former employer of mine ( XXXX XXXX XXXX ) and that my previous boss had put me as the person of conta ct for the account. I do not understand how my boss putting me as the point of contact binds me to this debt.
07/19/2016	No	Debt collection Medical	Communication tactics Used obscene/profane/abusive language	MA 023XX	Web
I had no money had all I could do to pay my rent. Offered to pay XXXX $ per month and he refused it. Called me at all hours. Never in my life have I had someone be so rude and disrespectful and not want to work with me. He made me feel about an inch tall and I cried I was so upset. Now on XXXX report these do n't even show and XXXX dies and has dropped my score. I had no idea I could dispute this. I did n't know to even dispute it to. Asked to speak to his manager. He basically told me I was trash. I did end up paying the XXXX $ XXXX and it 's still on my credit report. I just want it removed off the XXXX credit report.
04/13/2017	No	Debt collection I do not know	Cont'd attempts collect debt not owed Debt is not mine	AZ 85022	Web
I only became aware of this debt by looking at my credit report. When I contactacted the Thomas Agency they informed me the debt was from XXXX whith whom I have never personally done business with. The Address they had on file fo rthe debt is an address in Florida which I have never lived or resided at. When I contacted XXXX the original creditor they informed me that the debt was a debt owed by a former employer of mine ( XXXX XXXX XXXX ) and that my previous boss had put me as the person of contact for the account. I do not understand how my boss putting me as the point of contact binds me to this debt.
01/10/2023	No	Debt collection Medical debt	Written notification about debt Didn't receive enough information to verify debt	ME 04901	Web
Ive attempted multiple times to dispute medical held collections held by the thomas agency and they have removed some from just one credit report but refuse to remove those same collections from the other reports as well in violation of the fair credit report act. As well as they have provided zero proof of debt for these debts and have refused to provide proof beyond stating i owe these debts to them. The lack of proper management and procedures to report debts and handle them has negatively impacted my ability to get loans credit cards and home loans. As well as forced me to take higher interest rates
07/14/2015	No	Debt collection I do not know	Cont'd attempts collect debt not owed Debt is not mine	ME XXXXX	Web
Receive robocalls asking for someone else from The Thomas Agency. The call does not provide a means to notify The Thomas Agency that the mobile number they are calling no longer belongs to whom them are calling. I have called The Thomas Agency several times to inform them of the unwanted calls, and educate them that mobile numbers are often reassigned to other people, as in my case. The Thomas Agency either does not have the technical means to address this issue, or they simply do not feel they have a responsibility to stop harassing people who are not a party to a debt collection situation.
10/11/2021	No	Debt collection Other debt	Attempts to collect debt not owed Debt was result of identity theft	CO 80239	Web
This is XXXX XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. The account THOMAS AGENCY which opened XXXX XXXX, XXXX is inaccurately and erroneously reporting. Their intentional and willful furnishing of inaccurate information is a violation of FCRA Section 623 and according to FCRA Section 611. I have done many attempts to reach out to XXXX XXXX XXXX but they failed to give me any results or feedbacks about this concern. Please investigate and remove it from my personal credit file. Thank you.
01/12/2018	No	Debt collection I do not know	Attempts to collect debt not owed Debt is not yours	FL 32207	Web
I have repeatedly asked this company for validation of debt and all they send me is a bill with an address I have never lived at. They have not yet validated the debt and yet it still stays on my credit report. Due to your continued willful disregard of the law I intend to pursue litigation in accordance with the FCRA to seek relief and recover all monetary damages that I may be entitled to under Section 616 and Section 617 if the UNVERIFIED items listed below are not deleted within 10 days. XXXX XXXX XXXX XXXX XXXX/ The Thomas Agency Inc CURRENT BALANCE {$310.00}
07/08/2020	No	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	ME 040XX	Web	Older American
in tolusions that belong to someone with same name but different DOB and address. One inclusion should have been removed due to fraud but still remains. The thomas agency still reports inclusions that belong to someone else and with same name but again different DOB and address and refuse to address. recently we recieved a report from XXXX that still after months showed the fraud account and it should have been removed last year Both thomas agency and XXXX have refused to correct their errors and we are talking from 6 months to 2 years. what can I do to fix this?
02/17/2023	No	Debt collection Medical debt	False statements or representation Attempted to collect wrong amount	ME XXXXX	Web
Thomas Agency ha s 3 items for collection on my credit report. All three are medical bills that should have been paid by insurance. I have had full coverage medical insurance my whole life and it pays for everything. These bills should not be there. I have been unable to make gains in my financial situation due to these errors, and my family has suffered as a result. I disputed the collections and they are claiming that it is mine to pay, but it is not. I will continue to dispute it until they do what is right, and remove it from my report. XXXX XXXX # XXXX
02/11/2022	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	ME 049XX	Web
i have collection agencies coming after me for complaints that are over XXXX XXXX XXXX. Also these agencies have no idea what actually happened. i recieved a damaged item and had sent the item back and was never credited. i didnt even know the bills were still active. I was also the victim of fraud. Someone was using my name and running up my credit without my knowledge. This happened more than 10 years ago and its still ruining my life. I cant borrow anything and im about to be homeless. Please help!!
03/08/2018	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt was paid	FL 33444	Web
The Thomas Agency - 2 years ago I had a company for running credit cards. I clearly emailed them and canceled. They continued to bill me. Then, I needed an invoice, so I canceled again. They sent the info to a collection agency. The collection agency came after me for {$740.00}. Keep in mind I already canceled twice. I feel like they have a bait tactic and require an overly difficult cancellation process. I am very frustrated as I have already canceled twice.
02/22/2021	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 Was not notified of investigation status or results	ME XXXXX	Web	Servicemember
Disputed this item as a medical bill that was to be paid in full by the department of Veterans Affairs, as a Mission Act based XXXX XXXX referral. This was allegedly for a CT scan, in regards to my ongoing XXXX treatments and follow-up. I have an XXXX, due to XXXX XXXX from XXXX XXXX. Please see attachments. This is attempt # 3 to rectify this problem. Also, I have an issue, in regards to logging into XXXX, to monitor this situation, and to view my reports.
10/03/2020	No	Debt collection Medical debt	Written notification about debt Didn't receive notice of right to dispute	NH 03820	Web
I was seen at XXXX hospital for a emergency. My insurance company covered the visit 100 %. I received a bill for XXXX. I called them gave them my insurance again. Then heard nothing again for awhile then bills started coming again. I kept calling in my insurance information. Finally they sent it to collections without giving me the right to dispute the charges.
12/21/2017	No	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	FL 32246	Web
I have sent debt validation letters to the company asking for proof of debt and have yet to receive a reply from any of the letters that I have sent via certified mailed. I first contacted them back in XXXX and recently I have found that they are not authorized to Collect Debt in the STATE OF FLORIDA WHICH REQUIRES THEM TO BE LICENSED, BONDED AND INSURED.
01/03/2017	No	Debt collection Medical	Cont'd attempts collect debt not owed Debt is not mine	ME 043XX	Web
The Thomas Agency has tarnished my credit report by trying to collect money on behalf of Maine XXXX XXXX XXXX. I am XXXX and have had full medical insurance for over 10years through XXXX and XXXX. So there is no possible way for me to have unpaid medical bills in that time period and anything before 2010 it should be removed from my credit after 7 years.
05/17/2015	No	Debt collection Medical	Cont'd attempts collect debt not owed Debt is not mine	ME 046XX	Web
Debt is my father 's they sent me a copy of the bill my dad had XXXX XXXX as a doctor I have XXXX as mine XXXX hospital swaps us around all the time if they would send the signed form that I have always had to sign you would see it 's my dads XXXX XXXX XXXX he has insurance and it would have been paid If it was billed right
02/12/2017	Yes	Debt collection Medical	Cont'd attempts collect debt not owed Debt is not mine	ME XXXXX	Web
I have medical insurance with XXXX.I have excellent credit numbers.This is the first I have heard of this bill and it 's from XX/XX/2016.Not very fair.I have never even seen a paper bill from this.I had my medical bills from XXXX.It was XXXX I need paper verification as to why I owe this bill from Thomas Agency .
08/01/2017	No	Debt collection Medical debt	Attempts to collect debt not owed Debt was paid	ME 040XX	Web	Servicemember
XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX, ME XXXX, ( XXXX ) XXXX, sent an invoice that was paid on X/XX/17 to collections via The Thomas Agency, XXXX. XXXX XXXX, XXXX, ME XXXX ( XXXX ) XXXX, after payment was acknowledged as received by XXXX XXXX XXXX XXXX.
03/20/2017	No	Debt collection I do not know	Cont'd attempts collect debt not owed Debt is not mine	ME 042XX	Web
The Thomas Agency has continued to report to the credit bureaus that I owe money on an account that is unknown to me. I have disputed this entry several times and they continue to report the the credit bureaus and its causing damage and costing me money and hardship.
11/03/2018	No	Debt collection I do not know	Attempts to collect debt not owed Debt is not yours	ME 04103	Web
I have received tens of calls from XXXX XXXX XXXX in XXXX Maine regarding a debt for XXXX XXXX. I am not her nor have I ever known her. I have repeatedly told this to the company but they insist on calling me at all hours. They must stop.
01/07/2019	No	Debt collection Medical debt	Written notification about debt Didn't receive notice of right to dispute	ME 046XX	Web	Older American
This Company ( The Thomas Agency Inc ) Never sent Me any Information on this so call debit of {$52.00} dollars. I know it was paid and they ruin my credit by filing this on my credit reports in XX/XX/XXXX.I know I paid it in XX/XX/XXXX
03/02/2017	Yes	Debt collection Medical	Cont'd attempts collect debt not owed Debt was paid	ME 046XX	Web
THE THOMAS AGENCY INC XXXX XXXX XXXX JUST XXXX XXXX, 2015 {$470.00} {$470.00} XXXX XXXX XXXX XXXX XXXX, ME XXXX.They have file this again after they had agree not to put it on my credit report after I had file a report with you.
09/13/2017	No	Debt collection Medical debt	Attempts to collect debt not owed Debt is not yours	ME 043XX	Web
XXXX {$370.00} XXXX {$93.00} XXXX {$420.00} XXXX {$190.00} XXXX {$98.00} XXXX {$260.00} XXXX {$500.00} XXXX {$320.00} I have written them multiple times to get proof of debt and they have failed to send me anything.
04/06/2022	No	Debt collection Medical debt	Attempts to collect debt not owed Debt is not yours	ME 046XX	Web	Servicemember
The Thomas Agency debt collected for XXXX XXXX XXXX XXXX. I am in the United States XXXX XXXX at the time that this debt accrued. I have full medical and dental coverage. I wasnt in Maine at all during this time.
03/02/2017	No	Debt collection Medical	Cont'd attempts collect debt not owed Debt was paid	ME 046XX	Web
THE THOMAS AGENCY INC 5XX XXXX JUST XX/XX/2015 {$470.00} {$470.00} XXXX XXXX, ME XXXX.They have file this again after they had agree not to put it on my credit report after I had file a report with you.
10/04/2021	No	Debt collection I do not know	Attempts to collect debt not owed Debt is not yours	ME 040XX	Web
THE THOMAS AGENCY, INC. will not stop calling me to ask for a debt which I do not owe. I all ready filed a complaint and nothing happened, I've tried calling them and they refused to cooperate.
05/05/2019	No	Debt collection Other debt	Written notification about debt Didn't receive enough information to verify debt	ME XXXXX	Web	Servicemember
XXXX was previously removed from my reports, only to be reinserted in 2018. Previous complaint on file with cfpb, yet neither company responded to complaint.
02/12/2021	No	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Account status incorrect	ME XXXXX	Web	Servicemember
I disputed collection account, as this was to be paid for by the Department of Veterans Affaies, for ongoing XXXX treatment and its residuals.
02/17/2021	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	ME XXXXX	Web	Servicemember
Collection Account being listed. Collecting for a medical bill that was to be paid for by the VA, in regards to ongoing XXXX treatments.
09/17/2022	No	Debt collection Medical debt	Attempts to collect debt not owed Debt was paid	ME 040XX	Web
Agency refuses to remove debt from my credit report even though it has been paid in full, have called them multiple times and disputed
01/07/2021	No	Debt collection Medical debt	Attempts to collect debt not owed Debt was paid	ME XXXXX	Web	Servicemember
Accounts on credit report. company called me while recovering under XXXX. Accounts were to be paid by the VA, XXXX.
02/01/2018	Yes	Debt collection Medical debt	Attempts to collect debt not owed Debt was paid	NH 038XX	Web
Hi this Debt was paid in full early XX/XX/2017 it came off XXXX then 3 weeks later it appeared on XXXX why?
03/11/2017	No	Debt collection Medical	Communication tactics Frequent or repeated calls	ME 040XX	Web
Even after making arrangement to pay what I could each month they keep calling and sending letters.
02/24/2020	No	Debt collection Medical debt	Written notification about debt Didn't receive enough information to verify debt	ME 040XX	Web
Debt was not reported as owed until inquiry sent to collection agency. New debt appeared
09/19/2017	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt was paid	ME 049XX	Web
Thomas agency pain in full, $ XXXX-still on credit report
01/21/2017	No	Debt collection I do not know	Cont'd attempts collect debt not owed Debt is not mine	ME 04330	Web
This dept is not mine and its. Makeing my life miserable
06/07/2018	No	Debt collection Medical debt	Attempts to collect debt not owed Debt is not yours	ME 041XX	Web
REFUSED TO GET BACK TO ME THESE ACCOUNTS ARE NOT MINE
01/25/2024	No	Debt collection Federal student loan debt	Communication tactics Frequent or repeated calls	ME 04901	Web

12/22/2023	No	Debt collection I do not know	Written notification about debt Didn't receive enough information to verify debt	WA 98612	Postal mail

08/18/2023	No	Debt collection Medical debt	Threatened to contact someone or share information improperly Talked to a third-party about your debt	ME 04106	Web

08/05/2023	No	Debt collection Medical debt	Written notification about debt Didn't receive enough information to verify debt	ME 04106	Web

07/06/2023	No	Debt collection Medical debt	Attempts to collect debt not owed Debt was paid	ME 04106	Web

06/17/2023	No	Debt collection Medical debt	Took or threatened to take negative or legal action Threatened or suggested your credit would be damaged	ME 04401	Web

05/31/2023	No	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Account information incorrect	ME 04463	Web	Servicemember

02/11/2023	No	Debt collection Medical debt	Took or threatened to take negative or legal action Threatened or suggested your credit would be damaged	SC 29577	Web	Servicemember

01/22/2023	No	Debt collection Medical debt	Attempts to collect debt not owed Debt is not yours	ME 04072	Web

01/03/2023	No	Debt collection Medical debt	Attempts to collect debt not owed Debt is not yours	ME 04072	Web

08/18/2022	No	Debt collection Other debt	Written notification about debt Didn't receive enough information to verify debt	ME 04073	Web

07/23/2022	No	Debt collection Medical debt	Communication tactics Frequent or repeated calls	ME 04330	Web

07/08/2022	No	Debt collection Medical debt	Attempts to collect debt not owed Debt is not yours	ME 04005	Postal mail

06/22/2022	No	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information is missing that should be on the report	ME 04011	Web

06/14/2022	No	Debt collection Medical debt	Attempts to collect debt not owed Debt is not yours	NH 03465	Phone	Older American

05/10/2022	No	Debt collection Medical debt	Attempts to collect debt not owed Debt is not yours	ME 04102	Phone

04/11/2022	No	Debt collection Medical debt	Attempts to collect debt not owed Debt was paid	ME 04103	Web

12/14/2021	No	Debt collection Medical debt	Attempts to collect debt not owed Debt was paid	ME 04401	Web	Servicemember

12/07/2021	No	Debt collection I do not know	Attempts to collect debt not owed Debt is not yours	ME 04092	Web

10/08/2021	No	Debt collection Medical debt	Attempts to collect debt not owed Debt is not yours	FL 34482	Web

09/22/2021	No	Debt collection Medical debt	Attempts to collect debt not owed Debt is not yours	ME 04103	Web

08/30/2021	No	Debt collection I do not know	Attempts to collect debt not owed Debt is not yours	ME 04092	Web

04/27/2021	No	Debt collection Other debt	Attempts to collect debt not owed Debt is not yours	ME 04103	Phone

02/20/2021	No	Debt collection I do not know	Written notification about debt Didn't receive notice of right to dispute	ME 043XX	Web

02/17/2021	No	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	CA 93312	Web

01/19/2021	No	Debt collection Medical debt	Attempts to collect debt not owed Debt is not yours	ME 04270	Web

11/17/2020	No	Debt collection Other debt	False statements or representation Attempted to collect wrong amount	CA 91423	Web

09/28/2020	No	Debt collection Medical debt	Attempts to collect debt not owed Debt was paid	ME 04619	Phone

07/17/2020	No	Debt collection Medical debt	Communication tactics You told them to stop contacting you, but they keep trying	ME 04901	Phone

07/10/2020	No	Debt collection I do not know	Written notification about debt Didn't receive enough information to verify debt	ME 04253	Postal mail

07/06/2020	No	Debt collection Medical debt	Attempts to collect debt not owed Debt is not yours		Phone

04/30/2020	No	Debt collection Medical debt	False statements or representation Attempted to collect wrong amount	SC 29209	Web

04/12/2020	No	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Account status incorrect	ME 04011	Web	Older American

11/12/2019	No	Debt collection Medical debt	Communication tactics You told them to stop contacting you, but they keep trying	ME 04901	Phone

10/29/2019	No	Debt collection Medical debt	Attempts to collect debt not owed Debt was paid	ME 04005	Postal mail

09/22/2019	No	Debt collection Medical debt	Attempts to collect debt not owed Debt was paid	ME 04976	Web

08/02/2019	No	Debt collection I do not know	Written notification about debt Didn't receive enough information to verify debt	ME 04021	Web

07/06/2019	No	Debt collection Medical debt	Communication tactics Frequent or repeated calls	ME 04976	Web

03/28/2019	No	Debt collection Medical debt	Attempts to collect debt not owed Debt is not yours	ME 03906	Web

03/25/2019	No	Debt collection Medical debt	Attempts to collect debt not owed Debt is not yours	ME 04257	Web	Servicemember

10/23/2018	No	Debt collection Medical debt	Attempts to collect debt not owed Debt was paid	ME 04685	Phone

08/28/2018	No	Debt collection I do not know	Attempts to collect debt not owed Debt is not yours	FL 33947	Referral

08/19/2018	No	Debt collection Other debt	Written notification about debt Didn't receive notice of right to dispute	ME 04042	Web	Servicemember

06/14/2018	No	Debt collection Medical debt	Written notification about debt Notification didn't disclose it was an attempt to collect a debt	CO 80120	Web

04/27/2018	No	Debt collection I do not know	Attempts to collect debt not owed Debt was paid	ME 04634	Web	Older American

02/18/2018	No	Debt collection Other debt	False statements or representation Attempted to collect wrong amount	KY 42274	Web

02/11/2018	Yes	Debt collection Other debt	False statements or representation Attempted to collect wrong amount	KY 42274	Web

01/09/2018	No	Debt collection I do not know	Attempts to collect debt not owed Debt is not yours	FL 32046	Web

01/08/2018	No	Debt collection I do not know	Attempts to collect debt not owed Debt was already discharged in bankruptcy and is no longer owed	NM 87109	Web

11/03/2017	No	Debt collection Other debt	Written notification about debt Didn't receive notice of right to dispute	FL 33947	Web	Older American

08/10/2017	No	Debt collection Medical debt	Attempts to collect debt not owed Debt was paid	ME 04901	Phone

06/12/2017	Yes	Debt collection I do not know	Communication tactics Frequent or repeated calls	ME 04553	Phone

05/10/2017	No	Debt collection Medical debt	Attempts to collect debt not owed Debt was already discharged in bankruptcy and is no longer owed	ME 04412	Web

03/01/2017	No	Debt collection Medical	Cont'd attempts collect debt not owed Debt was paid	ME 04280	Phone

10/16/2016	Yes	Debt collection Medical	Disclosure verification of debt Not disclosed as an attempt to collect	ME 04074	Web

08/29/2016	No	Debt collection I do not know	Disclosure verification of debt Not given enough info to verify debt	ME 04103	Referral

08/29/2016	Yes	Debt collection Credit card	Disclosure verification of debt Not given enough info to verify debt	ME 04103	Referral

08/05/2016	No	Debt collection Medical	Improper contact or sharing of info Contacted me after I asked not to	ME 04105	Web	Older American

07/31/2016	No	Debt collection Medical	Cont'd attempts collect debt not owed Debt was paid	ME 04605	Web

04/21/2016	Yes	Debt collection Medical	False statements or representation Attempted to collect wrong amount	ME 04864	Postal mail

04/03/2016	No	Debt collection Medical	Cont'd attempts collect debt not owed Debt is not mine	ME 040XX	Web

03/17/2016	No	Debt collection Medical	Improper contact or sharing of info Talked to a third party about my debt	ME 04901	Web

02/17/2016	No	Debt collection Medical	Cont'd attempts collect debt not owed Debt is not mine	FL 33542	Referral	Servicemember

12/21/2015	No	Debt collection Medical	Cont'd attempts collect debt not owed Debt is not mine	ME 04634	Postal mail	Servicemember

12/13/2015	No	Debt collection Other (i.e. phone, health club, etc.)	Disclosure verification of debt Right to dispute notice not received	CA 93458	Web

10/04/2015	Yes	Debt collection Other (i.e. phone, health club, etc.)	Cont'd attempts collect debt not owed Debt is not mine	ME 04042	Web

08/28/2015	No	Debt collection Medical	Cont'd attempts collect debt not owed Debt is not mine	HI 96753	Web

06/16/2015	Yes	Debt collection Other (i.e. phone, health club, etc.)	Cont'd attempts collect debt not owed Debt was paid	ME 04062	Web

05/16/2015	No	Debt collection Medical	Communication tactics Frequent or repeated calls	ME 04330	Web

04/19/2015	Yes	Debt collection Other (i.e. phone, health club, etc.)	Disclosure verification of debt Right to dispute notice not received	ME 04042	Web	Servicemember

03/23/2015	No	Debt collection Medical	Cont'd attempts collect debt not owed Debt was paid	ME 04861	Web

02/26/2015	No	Debt collection Medical	Cont'd attempts collect debt not owed Debt was paid	ME 04021	Web

02/25/2015	Yes	Debt collection I do not know	Cont'd attempts collect debt not owed Debt was paid	AZ 85086	Web	Older American

02/10/2015	No	Debt collection Medical	Communication tactics Frequent or repeated calls	ME 04944	Web

02/08/2015	Yes	Debt collection Medical	Cont'd attempts collect debt not owed Debt is not mine	ME 04605	Web

02/06/2015	Yes	Debt collection Medical	Cont'd attempts collect debt not owed Debt was paid	GA 31324	Web	Servicemember

02/03/2015	Yes	Debt collection Medical	Improper contact or sharing of info Contacted me after I asked not to	ME 04074	Web

01/20/2015	No	Debt collection Medical	Cont'd attempts collect debt not owed Debt is not mine	ME 04605	Web

01/12/2015	No	Debt collection Other (i.e. phone, health club, etc.)	Disclosure verification of debt Right to dispute notice not received	ME 04605	Web

11/14/2014	Yes	Debt collection Medical	Cont'd attempts collect debt not owed Debt was paid	ME 04530	Web	Older American

11/07/2014	No	Debt collection I do not know	Cont'd attempts collect debt not owed Debt resulted from identity theft	CA 91604	Web

10/20/2014	Yes	Debt collection Medical	Cont'd attempts collect debt not owed Debt is not mine	ME 04011	Web

10/20/2014	Yes	Debt collection Medical	Cont'd attempts collect debt not owed Debt is not mine	ME 04011	Web

09/26/2014	No	Debt collection Other (i.e. phone, health club, etc.)	Cont'd attempts collect debt not owed Debt is not mine	ME 04011	Web

09/19/2014	No	Debt collection Other (i.e. phone, health club, etc.)	Disclosure verification of debt Right to dispute notice not received	ME 04981	Web	Servicemember

09/12/2014	No	Debt collection Medical	Cont'd attempts collect debt not owed Debt is not mine	MA 02341	Web

09/07/2014	Yes	Debt collection Medical	Cont'd attempts collect debt not owed Debt was paid	ME 04030	Web

09/02/2014	No	Debt collection Medical	Cont'd attempts collect debt not owed Debt was paid	ME 04073	Web

06/17/2014	No	Debt collection Medical	Cont'd attempts collect debt not owed Debt is not mine	ME 04084	Web	Servicemember

06/11/2014	No	Debt collection Medical	Cont'd attempts collect debt not owed Debt is not mine	MN 56280	Web	Servicemember

05/20/2014	Yes	Debt collection Other (i.e. phone, health club, etc.)	Disclosure verification of debt Not given enough info to verify debt	NH 03867	Postal mail

04/27/2014	Yes	Debt collection Medical	Cont'd attempts collect debt not owed Debt was paid	ME 04461	Web

04/12/2014	Yes	Debt collection Medical	Disclosure verification of debt Right to dispute notice not received	ME 04270	Web

03/27/2014	Yes	Debt collection Other (i.e. phone, health club, etc.)	Cont'd attempts collect debt not owed Debt is not mine	GA 30075	Web

02/17/2014	No	Debt collection Medical	Disclosure verification of debt Right to dispute notice not received	FL 32811	Web

12/22/2013	No	Debt collection Medical	Cont'd attempts collect debt not owed Debt was paid	ME 04357	Web	Servicemember

09/11/2013	Yes	Debt collection Medical	Disclosure verification of debt Right to dispute notice not received	ND 58705	Web	Servicemember