| 09/06/2023 |
Yes |
- Debt collection
- Other debt
|
- Written notification about debt
- Didn't receive enough information to verify debt
|
|
Web |
Servicemember |
|
I am writing in response to your recent communication regarding my complaint with the Consumer Financial Protection Bureau ( CFPB ), Case # XXXX, in which I sought detailed information about the debt allegedly owed to your company. I appreciate your prompt response ; however, I must express my dissatisfaction with the content of your reply.
In my previous correspondence, I specifically requested that you provide the following information in accordance with my rights as a consumer under the Fair Debt Collection Practices Act ( FDCPA ) and the Fair Credit Reporting Act ( FCRA ) : 1. Verification that I am indeed the account holder for SECU Account.
2. Detailed information regarding the original creditor, including their contact information.
3. A complete breakdown of the debt, including the principal amount, interest, fees, and any other charges that contribute to the total amount owed. Also include the initia
l debt amount.
4. Copies of any signed agreements or contracts pertaining to this debt with the original creditor.
5. Documentation proving your authorization to collect this debt on behalf of the original creditor.
Your response, did not include certain information about the account, did not adequately address my specific requests. The response lacked crucial elements such as the detailed breakdown of the debt, signed agreements, and documentation proving your authorization to collect this debt.
It is my right as a consumer, under the FDCPA, to receive a written validation of the debt, including the requested information, within five days of your initial communication with me. Your failure to provide this essential information raises concerns about the validity of the debt and my ability to verify its accuracy.
Therefore, I kindly request that you either : 1. Provide the requested information in writing to my current mailing address, as outlined in my initial request and as required by the FDCPA, within the stipulated timeframe.
2. Remove this account from any credit reporting agencies immediately, as it has not been properly validated and reported in compliance with the FCRA.
Please be advised that my rights as a consumer are protected under federal law, and I expect your company to comply with these laws accordingly. Failure to do so may result in legal action to address any violations of my rights.
I kindly request a response within 30 days from the date of this letter to confirm your course of action. If you fail to provide the requested information or fail to remove this account from my credit report, I will have no choice but to seek legal remedies available to me under the law.
|
| 07/19/2022 |
Yes |
- Debt collection
- Auto debt
|
- Communication tactics
- Used obscene, profane, or other abusive language
|
|
Web |
|
|
XX/XX/2022 Debt collectors name is XXXX XXXX from TriVerity or CU Recovery. Yelling at me and using profane words such as saying I'm trying to " swindle '' or dodge the debt which was charged off 7 years ago. Did not provide me with XXXX XXXX XXXX XXXX finance department phone number. Said she talked to them about it but wouldn't let me communicate with them. There is an lien on an old car loan which I am trying to pay XXXX XXXX XXXX XXXX for so I can get the lien released. Will not provide proof of what the finance department at XXXX XXXX XXXX XXXX is saying. Also, tried talking to finance department at XXXX XXXX XXXX XXXX and they haven't reached out to me. They have been treating me like a criminal when all I am trying to do is talk to a member of XXXX XXXX XXXX XXXX XXXX finance department.
XX/XX/2022 XXXX XXXX from TriVerity called me and asked me if I am taking the issue personally which I am not. I just told her I would like to speak with someone higher up. She said her supervisor will give me a call back. Yesterday she told me that wasn't an option and that I need to speak with her about it.
About 6 months ago I talked to a XXXX XXXX from CU Recovery/TriVerity and he told me I could come up with {$1800.00} to pay the lean off. He doesn't work there now anymore and now they are saying I need {$2700.00} to pay the lean off. XXXX XXXX is denying that he said that. All I am trying to do is talk to someone higher up than XXXX XXXX and I haven't been able to. I asked her for proof of what she is saying about what the XXXX XXXX XXXX XXXX XXXX department is saying to me and haven't received any. I'm just trying to talk to someone from XXXX XXXX XXXX XXXX finance department and she is not letting me do that. I don't even know if what she is doing is legal. I have been trying to reach out to XXXX XXXX XXXX XXXX finance department and haven't been able to yet. This is over a charged off debt from about 7 years ago that has a lien on it. XXXX XXXX XXXX XXXX is also not letting me talk to the finance department team. They keep telling me I need to talk to XXXX XXXX.
Her phone number is XXXX. Or XXXX.
Thank you!
|
| 04/05/2023 |
Yes |
- Debt collection
- Auto debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
I received several threatening, harassing, and deceitful debt collection letters from TriVerity , Inc. on XX/XX/XXXX, XXXX, and XX/XX/XXXX of XXXX regarding an alleged debt of {$9100.00} as of XX/XX/XXXX.
The alleged Loan # XXXX was acquired from XXXX XXXX XXXX XXXX located in the state of Georgia.
I do not know this company ( Triverity , Inc. ) and I have not entered into a contractual agreement regarding said alleged debt owed to XXXX XXXX XXXX XXXX and I told them of such.
Hence via Affidavit of Validation of Debt, I, vehemently, dispute the debt and requested validation of the alleged debt. To this date, I have not receive an Affidavit proof of validation of this debt from Triverity , Inc .
Additionally, via Affidavit of Truth and Fact, Triverity , Inc. was notified that they have violated several of my consumer rights via the Fair Debt Collection Protection Act. To this date, I have not received Affidavit of Truth and Fact response from Triverity , Inc .
They are as follows : 15 USC 1692 ( C ) ( A ) 15 USC 1692 ( B ) ( 2 ) 15 USC 1692 ( D ) ( 2 ) 15 USC 1692 ( F ) ( 1 ) 15 USC 1692 ( B ) ( 5 ) Finally, I have sent a second Affidavit of Truth and Fact and a Notice Of Demand for Cease and Desist which I have yet to receive an adequate Affidavit response from Triverity , Inc .
I have an attachment of All Affidavits and Exhibits that show how Triverity , Inc. has on numerous occasions via mailed letter violated my consumer rights and caused mental, emotional, and financial stress to me and my family.
Please peruse the Affidavit of Truth and Fact, the Second Affidavit of Truth And Fact, the Affidavit of Validation Of Debt, and the Affidavit of Notice Of Demand To Cease and Desist.
|
| 02/15/2023 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
It happened around XXXX of XXXX I received a letter in the mail on the XXXX of XXXX about a change of address for a credit union, XXXX XXXX XXXX XXXXXXXX XXXX. I called the company to let them know that I do not have an account with them. There security department was supposed to get in touch with me about the account, but they never did. The next time I call they said they were not allowed to give out any information but wanted me to give them my information to see if it matches what they had in their records.
Later I received in the mail paperwork from, debt collection company, TriVerity, saying they trying to collect a debt for XXXX XXXX XXXXXXXX XXXX XXXX. I have XXXX XXXX XXXX and when I call about this, they said it was probably a scam and to ignore it. I did until they call me and sent some more paperwork from TriVerity again. I recalled XXXX to tell them again and they told me to call XXXX XXXX XXXX XXXX to get records they supposed to have on me, but they refuse saying there are not allowed to give out the information.
I am in the process now of taking steps to get them to leave me along and get this off my credit and see what else is being done in my name.
The account on the paperwork from TriVerity is Reference XXXX, account # XXXX
|
| 12/04/2021 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
There is an approximately {$200.00} debt that XXXX XXXX XXXX claims that I owe them. I disputed this with XXXX XXXX XXXX as I did not authorize the account to be created. They 'accidentally ' created another account in my name when moving several people off my own account to their own. XXXX XXXX XXXX refused to rectify this. As a result XXXX XXXX XXXX has sent this amount to a collections agency. I disputed this through the credit agency and the information was subsequently removed from my credit report. A few weeks later I have been contacted by a new debt collector for this same debt. The representative contacting me was one XXXX XXXX with Triversity. This individual refused to inform me what the call was regarding or that any information could be used to collect a debt. The individual became irate when I would not verify my identity until I knew who they were and what agency they were with. I did not discovery that Triversity was a debt collection agency until I reverse searched the number in XXXX.
In essence, this debt should not be owed, the debt collection strategies are inappropriate, and the matter should of been previously resolved.
|
| 03/22/2022 |
Yes |
- Debt collection
- I do not know
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
I was sent a debt collection letter from TriVerity , Inc. saying I owe {$14000.00}. as of XXXX XXXX. The loan was taken out with XXXX XXXX XXXX XXXX online XX/XX/21. Their office is in XXXX XXXX, Ga. The statement they sent me showed money being withdrawn as of XX/XX/21. Most of the transactions were NSF fees. I have been speaking with a Dispute Advisor for the collection agency. He told me to file a Police report first. I tried doing that, but I keep getting the " run a around. '' The address that the Credit Union has on file is not my address, neither is the phone number the impersonator has been calling from. They even have voice recordings.
|
| 12/10/2022 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
Kept calling me and my family members on a debt that I have no clue about. Advised credit card was compromised and was supposed to be closed for fraud charges. Advised was written off as it was not my debt by somehow still getting calls.
|
| 02/24/2022 |
Yes |
- Debt collection
- Credit card debt
|
- Attempts to collect debt not owed
- Debt was paid
|
|
Web |
|
|
I settled a delinquent account with XXXX credit and they continue to report it as open and holding balance which is not accurate. The receipt and official statements are attached below.
|
| 02/19/2022 |
Yes |
- Debt collection
- I do not know
|
- Written notification about debt
- Didn't receive enough information to verify debt
|
|
Web |
Servicemember |
|
The company TriVerity , Inc. is attempting to collect money from me in the amount of {$1100.00}. I don't know why they are saying I owe this money and how they came to this calculation.
|
| 11/08/2022 |
Yes |
- Debt collection
- Other debt
|
- Communication tactics
- Frequent or repeated calls
|
|
Web |
Servicemember |
|
I reached out to the company in regards to the error in reporting to the debt and repeated phone calls but still the amount is reported incorrectly with the phone calls non stop.
|
| 08/14/2022 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
Provide me with the requested documents in attachments and attachment is time sensitive.
|
| 07/18/2023 |
Yes |
- Debt collection
- I do not know
|
- Communication tactics
- Frequent or repeated calls
|
|
Web |
|
|
This company contacted my employer on XX/XX/2023.
|
| 10/06/2023 |
Yes |
- Debt collection
- I do not know
|
- Attempts to collect debt not owed
- Debt was result of identity theft
|
|
Web |
|
|
|
| 10/03/2023 |
Yes |
- Debt collection
- I do not know
|
- Took or threatened to take negative or legal action
- Threatened or suggested your credit would be damaged
|
|
Web |
|
|
|
| 09/18/2023 |
Yes |
- Debt collection
- Other debt
|
- Took or threatened to take negative or legal action
- Threatened or suggested your credit would be damaged
|
|
Web |
|
|
|
| 09/11/2023 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
|
| 08/31/2023 |
Yes |
- Debt collection
- Other debt
|
- Written notification about debt
- Didn't receive notice of right to dispute
|
|
Web |
Servicemember |
|
|
| 05/02/2023 |
Yes |
- Debt collection
- I do not know
|
- Attempts to collect debt not owed
- Debt was result of identity theft
|
|
Web |
|
|
|
| 04/21/2023 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt was result of identity theft
|
|
Web |
|
|
|
| 04/01/2023 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Improper use of your report
- Reporting company used your report improperly
|
|
Web |
|
|
|
| 10/26/2022 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Account information incorrect
|
|
Web |
|
|
|
| 05/03/2022 |
Yes |
- Debt collection
- Credit card debt
|
- False statements or representation
- Attempted to collect wrong amount
|
|
Web |
|
|
|
| 04/21/2022 |
Yes |
- Debt collection
- I do not know
|
- Written notification about debt
- Didn't receive enough information to verify debt
|
|
Web |
|
|
|