U.S. Collections West, Inc. CFPB Complaints

2000 Latest Complaints

Date Received	Timely Response	Product	Issue	State / Zip	Submitted Via	Tags
10/21/2018	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt is not yours	AZ 85224	Web
A ) Intro : Fraudulent Submission to Debt Collection Agencies & Others On or about XX/XX/XXXX [ after a 5+ year stint trying to gain up most favorable resolution ] ; judgment by Superior Courts of XXXX County has finally been served but not before substantial damage ( s ) had been done from trying to resolve every illegal aspect set-forth by Former Landlord and his Co-Conspirers for simply complaining being delivered a cockroach pest infested slum conditioned dump. So a simple [ but rightful and legal Former Tenant dispute ] against Former Landlord led to Former Landlord intentionally breaching lease agreement contract and intentionally to have violated Arizona Residential Landlord Tenant Act ; then after conducting such negligence that led to being " Wrongfully Evicted ''! Former Landlord drummed up false allegations and fraudulently submitted me to numerous debt collection agencies and various other agencies in manner to collect on a debt I never was responsible for ; then intentionally gave no cooperation for resolve ; while intentionally failed to have made, any type of appropriate resolve prior to Superior Court Judge to have finalized her XX/XX/XXXX decision. In manner how Superior Court Judge rendered judgment ; Superior Court judge did not relieve full story within in it's entirety of truth to what actually was set-forth before courts in a self-representing manner so resolve could be gained in full against negligence and fraudulent misconduct. In Superior Court Judge 's XX/XX/XXXX Minute Entry ; confirmation can be found to confirm Superior Court Judge did not relieve full story ; however, attached supporting documentation can fill the gaps to being fraudulently submitted to debt collection agencies. B ) About Attached Supporting Documentation : Due to in-depth-ness of Pure Fraud that involved Identity theft and Theft by Fraud ; without my presence to give testimony to each attached document ; and because, supporting documentation upload is limited to 10MB, not all documentation to support Consumer Complaint may upload ; but that which can be uploaded will simply reveal at a glance Fraudulent Misconduct of Pure Fraud, Identity theft, and Theft by Fraud and Fraudulent submission to debt collection agencies. Because Superior Courts failed to relieve full story of circumstances and only gave a summation ; in essence to lessen any considerable confusion that could occur from readings hereof and/or from attached documents ; it might be much easier to [ first and foremost ] review Superior Court 's documented Minute Entries from date of ... 1 ) XX/XX/XXXX where expresses " I did nothing wrong '' and was not the party to have breached lease and violated Arizona Residential Landlord Tenant Act. 2 ) By doing so? It can become more understandable to my mentioning actions taken by Former Landlord and his Co-Conspirers from onset of dispute ; along with any and all other agencies used to help them carry out their Fraudulent actions ; all parties involved was set to gain profits out of and from negligent misconduct which makes for Pure Fraud that involves identity theft, and Theft by Fraud ; as to my strong belief, that! Former Landlord and/or anyone of his Co-Conspirers falsified a document to lease agreement contract thus stole my identity by forging my signature to make it appear as though I signature signed the false document in manner falsified document could match with their false allegation they set-forth in courts as defense ; by stating.. Plaintiff, without Defendant 's permission or release, surrendered possession of keys and apartment on XX/XX/XXXX. In doing so, Plaintiff willfully and intentionally breached the rental agreement to which he was a party. Provided in " Section C '' as follows is " Background Scope & Analysis '' that brings to forefront action of Fraudulent Misconduct worthy to be reported for Consumer Attention Getting Action ; Section C helps substantiate attached documents ; and attached documents help substantiates my " Consumer Complaint '' to how Fraud, Identity theft, and Theft by Fraud occurred as never should have been submitted to debt agencies. C ) Scope & Background Analysis : On or about XX/XX/XXXX lease agreement contract was entered into with former Landlord XXXX XXXX at XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, AZ XXXX. On or about XX/XX/XXXX because I complained to [ former landlord ] who intentionally delivered a cockroach pest infested slum conditioned dump that needed much remedy and repair. On or about XX/XX/XXXX a dispute onset from my written notification expressing being delivered a cockroach pest infested slum conditioned dump ; and hereafter and from this point forward, Former Landlord and his co-conspirers failed to perform any duties held within the lease agreement contract ; or in other words, Former Landlord intentionally breached lease agreement and intentionally violated Arizona Residential Landlord Statues. According to Arizona Residential Landlord Tenant Act statue Article 5. Retaliatory Action 33-1381, Retaliatory conduct prohibited establishes a Landlord may not retaliate by brining or threatening to bring an action for possession after a Tenant complained to landlord of a violation under section 33-1324. I made numerous written complaints expressing to Former Landlord infractions that violated Arizona Residential Landlord Tenant Act statue 33-1324. According to Arizona Residential Landlord Tenant Act Article 4 Remedies statue 33-1361 Non-compliance by the landlord ; establishes if a landlord failed to make remedy within five ( 5 ) days of written notification the lease agreement contract terminates. Instead of Former Landlord making resolution or to have made mutual resolve no later than noon on date of XX/XX/XXXX to mutually term lease ; Former Landlord intentionally maintained me to lease agreement with no intentions ever settling any matters but rather elected to expense time, money, and effort avoiding accepting responsibilities and liabilities for their negligent misconduct ; that came to be discovered as " Fraud ''. D ) Former Landlord with Co-Conspirers Wrongfully Sued to Evict : With efforts to wrongfully gain possession by prohibited retaliatory misconduct. On or about XX/XX/XXXX alleging Former Landlord hired an attorney XXXX XXXX XXXX XXXX at XXXX XXXX XXXX XXXX # XXXX XXXX, AZ XXXX [ that together working in harmony ] along with XXXX XXXX XXXX located at XXXX XXXX XXXX XXXX, XXXX, AZ XXXX [ who is named within the lease as Property Manager ] intentionally and illegally made it appear as though I was the " at fault party '' to have breached the lease. Prior to illegal act of being wrongfully evicted ; Former Landlord " prohibited by law '' retaliated numerous times before bringing an Eviction Action against me as XXXX XXXX XXXX XXXX was the party to have " legally '' made it appear as though Former Landlord and XXXX XXXX XXXX had every legal right to evict, by citing, I failed to pay rent for month of XX/XX/XXXX ; but yet, rent for month of XX/XX/XXXX was contract termed as FREE ; therefore, the act itself was intentional breach of lease agreement and of wrongful eviction. E ) Motive for Committing Fraud by Wrongful Eviction : Arizona Residential Landlord Tenant Act Article 4 Remedies statue 33-1361 establishes ... if there is a noncompliance by the landlord with section 33-1324 materially effecting health and safety, tenant may deliver a written notice to the landlord specifying acts and omissions constituting the breach, the rental agreement will terminate upon a date not less than five days after receipt of the notice if the breach is not remedied in five days. When take into account Former Landlord and XXXX XXXX XXXX intentionally breached entire lease agreement contract by failing to perform lease agreement contract obligated duties ; plus, intentionally violated statues of Arizona Residential Landlord Tenant Act, then further take into account, that? a ) Former Landlord failed to move me to another rental unit as mutual resolve prior to noon on XX/XX/XXXX b ) Former Landlord failed to make any remedies to rental unit # XXXX prior to noon on XX/XX/XXXX. c ) Former Landlord had no intentions to mutually term lease agreement by noon on XX/XX/XXXX. d ) Because Former Landlord failed to come to a mutual resolve no later than XX/XX/XXXX. XXXX ) From on or about XX/XX/XXXX that moved through XX/XX/XXXX I delivered numerous written notifications requesting Former Landlord to make remedy to former rental unit # XXXX ; but no remedies were ever made. On or about XX/XX/XXXX actions that XXXX XXXX XXXX XXXX and company under took filing a false " Complaint Eviction Action constituted intentional breach of lease agreement that meant under Arizona Residential Landlord Tenant Act statue 33-1321. Former Landlord had an obligated duty to return my move-in costs of security deposit of {$50.00} dollars for securing a unit and return pro-rated expense of {$190.00} expensed for XX/XX/XXXX rent ; but yet, when learned from my written notification ( s ) of XX/XX/XXXX and XX/XX/XXXX I wanted to mutually term the lease ; Former Landlord had no intention ever returning move-in costs of {$240.00}. Because I had interest to mutually term lease agreement by noon on XX/XX/XXXX ; Former Landlord knew he would be losing my business of a 6 month lease agreement term that amounted to {$3000.00} dollars. On or about XX/XX/XXXX Former Landlord teamed with XXXX XXXX XXXX and XXXX XXXX XXXX XXXX and on XX/XX/XXXX ; Former Landlord and his co-conspirers wrongfully sued to evict to have made it appear as though I was the " at fault '' party to have failed to pay rent for XX/XX/XXXX which means? Former Landlord 's only true intentions were to commit FRAUD which extents prior to lease agreement contract to have commenced into effect but took pursuing civil legal action in Superior Courts of XXXX County before cold hard facts of Theft by Fraud, Identity Theft, and Pure Fraud could unravel in full. F ) How Action of Fraud By Wrongful Eviction Was Masked : The act of Former Landlord, XXXX XXXX XXXX XXXX, and their representing Attorney XXXX XXXX XXXX XXXX to have filed a sue to evict action in court of law was not only an act to avoid accepting responsibility liability for their negligent misconduct. The act of Former Landlord and his co-conspirers to have falsely filed a Complaint Eviction Action in small claims judicial was mere smoke and mirrors to mask the act of committing FRAUD! On or about XX/XX/XXXX I filed my answer reply to XXXX XXXX XXXX XXXX 's fraudulent and falsified " Complaint Eviction Action '' ; included within my answer reply were my exhibit of " Concession Addendum '' exhibiting XX/XX/XXXX rent was contract termed as FREE. On or about XX/XX/XXXX I was set to appear to court to defense against Former Landlord 's falsified allegation ( to have allegedly ) failed to pay rent for month of XX/XX/XXXX in essence Former Landlord and XXXX XXXX XXXX XXXX XXXX could not gain judgment by default ; for if held true, that if, Former Landlord and XXXX XXXX XXXX had every legal right to sue to evict for my failure to pay rent for XX/XX/XXXX. Former Landlord and XXXX XXXX XXXX XXXX through their counsel XXXX XXXX XXXX XXXX would not have voluntarily dismissed their own small claims court case on XX/XX/XXXX without prejudice but rather allowed for court Judge of smalls claims judicial to settle any dispute to whether or not suing to evict was proper and the most needed action worthy to be carried out, but? Action taken by Former Landlord and XXXX XXXX XXXX XXXX. though their counsel XXXX XXXX XXXX XXXX were of no accident but rather an intentional strategic act voluntarily dismissing their small claims court case for purpose I would not appear to testify against their false Complaint Eviction Action '' as any judge to have resided over my testimony and evidence immediately would have seen rent payment was not due until XXXX XXXX. XXXX XXXX XXXX XXXX and company filed a false " Complaint Eviction Action '' cause their intent was not to settle any matters but rather commit FRAUD by making it legally appear as though I would be the at fault party to have failed to pay XX/XX/XXXX rent in manner to keep and maintain my move-in costs of {$240.00}, and in manner to keep expensed court costs of {$45.00} dollars it cost for me to defend against a false allegation ; while all at the same time, profit gain legal fees, and other costs deemed by Former Landlord despite their negligence ; but as so happened to be? On or XX/XX/XXXX I gave spoils to Former Landlord, XXXX XXXX XXXX XXXX ; and XXXX XXXX XXXX XXXX 's fraudulent act of making false allegation in small claims courts of justice whence I filed my court answer reply to being wrongfully evicted, as you would think? Former Landlord and his Co-Conspirers would have ceased their Fraudulent Misconduct on this day of XX/XX/XXXX ; but Former Landlord and his Co-Conspirers were non-phased, they simply had more than one ( 1 ) way to commit FRAUD at getting me submitted to Debt Collection agencies. G ) Former Landlord and his Co-conspirers Forced Civil Legal Action : On or about XX/XX/XXXX hereafter XXXX XXXX XXXX dismissed their falsely filed and fraudulent " Complaint Eviction Action '' ; I made attempts to make resolve with Former Landlord in manner to recover incurred damages no later than XX/XX/XXXX ; and alerting if no resolve was made by XX/XX/XXXX, I would pursue civil legal action. Instead of Former Landlord making attempt ( s ) to make resolve no later than XXXX XXXX? On or about XX/XX/XXXX Former Landlord delivered a " Move Out Statement '' alleging debt owed {$3400.00} to which I did not understand such charges since rent for month of XX/XX/XXXX was contract termed as free. Instead of Former Landlord coming to a resolve or resolution to avoid any type of legal proceedings? Former Landlord directed matters to their attorney XXXX XXXX XXXX XXXX who on or about XX/XX/XXXX delivered written notification citing " Please be advised that my client has no intention to settle this matter with you because my client did nothing wrong '' ; then proceeded to cite in belief, their client, but my former landlord [ XXXX XXXX at XXXX XXXX ] had every right to pursue eviction action, then on top of this action? Former Landlord with their representing attorney added in a touch of intimidation and threat by citing " If you pursue legal action against our client, we will take all legal action necessary to recover from you all damages, costs and attorney 's fees incurred with defending XXXX at XXXX [ formally known as ] Smoketree Apartments ; as it turn out to be to what I felt were of a threat by Former Landlord ; actually, it were of no threat. Before I could act on taking civil legal action against Former Landlord ; on or bout XX/XX/XXXX Former Landlord fraudulently submitted me to collection agency of XXXX. XXXX XXXX XXXX XXXX for amount of {$3300.00} for reasons I could not gather and could not understand at this time. H ) Efforts Resolving Fraudulent Debt Collection Action : Prior to taking any civil legal action against Former Landlord ; on or about XX/XX/XXXX I moved to gain understanding for resolve from Former Landlord and their representing attorney XXXX XXXX XXXX XXXX ; but instead of Former Landlord and XXXX XXXX XXXX XXXX co-operating for resolve, I received written notification from XXXX XXXX XXXX XXXX who cited in bold print " Please Be Advised That This Communication is From A Debt Collector ''. On or about XX/XX/XXXX [ as a self-representing entity ] I moved to file a claim in small claims court in manner to prove Former Landlord breached lease agreement and to recover for damages incurred to my personal property and personal belongings. In midst of filing a claim at small claims judicial I notified collection agency XXXX. XXXX XXXX , XXXX. to gain understanding to a XX/XX/XXXX debt action. On or about XX/XX/XXXX ; XXXX. XXXX XXXX , XXXX. returned reply stating balance owed {$0.00} dollars stating account been received in error ; but to my firm belief, account was not received in error, Former Landlord made a retaliatory but a fraudulent move to have fraudulently submitted me to XXXX. XXXX XXXX , XXXX, but I had no solidified proof to prove my suspicion during this time to prove Fraud in its entirety. I ) Abuse of Legal Justice System to Commit & Carry out Fraud Already discussed under " Section E '' of Former Landlord and his Co-Conspirers filed a wrongful eviction action in small claims judicial courts ; in lieu of attached " Complaint Eviction Action, if pay close attention, the " Complaint Eviction Action '' illustrates that ; Former Landlord, XXXX XXXX XXXX XXXX and XXXX XXXX XXXX XXXX stood to gain profits up to {$8900.00} dollars from their served up negligence and fraudulent misconduct if I had not made dispute against their fraudulent claim that led to being wrongfully evicted. So of course? Hereafter I filed and served my XX/XX/XXXX small claims complaint in essence to recover property damage and to prove Former Landlord was the party to have breached the lease ; instead of Former Landlord to have come to a small claims court case resolve? Former Landlord hired XXXX XXXX XXXX XXXX to intentionally dismiss my small claims court case which came dismissed on or about XX/XX/XXXX ; and just like XXXX XXXX XXXX XXXX delivered in their XX/XX/XXXX written communication ; to have cited ... " If you pursue legal action against our client, we will take all legal action necessary to recover from you all damages, costs and attorney 's fees incurred with defending XXXX at XXXX [ formally known as ] XXXX XXXX, and so they did, but yet, in manner for XXXX XXXX XXXX XXXX to have gained judgment ; XXXX XXXX XXXX XXXX perjured under oath to maintain their fraudulent scheme and claim to fraudulent collect on a debt by making a false claim whence alleged .... Plaintiff, without Defendant 's permission or release, surrendered possession of keys and apartment on XX/XX/XXXX. In doing so, Plaintiff willfully and intentionally breached rental agreement to which he was a party. By XX/XX/XXXX legal costs and fees incurred of attorney fees at {$4000.00} and costs in amount of {$190.00} as interest accrued at rate of ( 4.25 % ) for losing my small claims court case against Former Landlord. Actions of XXXX XXXX XXXX XXXX XXXX appear to have had all legal rights to recover legal fees and costs for representing their client of XXXX XXXX at XXXX XXXX ; XXXX XXXX XXXX XXXX judgment for legal fees and costs did not follow in accordance with small claims judicial practices ; but rather, XXXX XXXX XXXX XXXX intentionally moved my small claims court matters to the justice of peace to be dismissed in manner [ as being alleged ] to prevent their Fraud from being exposed, as once again to the mentioning, in that if, I had appeared in court to testify? Any judge to have resided over my testimony and evidence would have immediately seen Former Landlord, XXXX XXXX XXXX XXXX, and XXXX XXXX XXXX XXXX filed a false allegation against me. J ) Pure Fraud by Fraudulent Debt Collecting Action ( s ) : Instead of Former Landlord leaving matters as they may from XX/XX/XXXX that XXXX. XXXX XXXX , XXXX received account from XXXX at XXXX regarding unit # XXXX in error and account balance at {$0.00} ; Former Landlord submitted me to yet another collection agency of U.S. Collections West, Inc. for amount of {$3400.00}. Action taken by Former Landlord through their counsel XXXX XXXX XXXX XXXX was nothing more than ongoing retaliatory misconduct accompanied with Pure Fraud. Hereafter XXXX XXXX XXXX XXXX committed perjury under oath claiming I willfully walked away from my lease agreement obligations ; and that of, Former Landlord to have submitted me to U.S. Collection West , Inc. for amount of {$3400.00} after matters had resolved with XXXX. XXXX XXXX , XXXX on XX/XX/XXXX. Former Landlord gave no other alternative but for me to pursue matters at division of Superior Court of XXXX County for resolve to help determine to whom breached the lease. K ) Superior Court Civil Legal Action Had to Be Taken : On or about XX/XX/XXXX [ still a self-representing entity ] I filed a Breach of Contract claim with Superior Court Clerk of XXXX County citing contributory negligence that involved Former Landlord, XXXX XXXX XXXX XXXX, and XXXX XXXX XXXX XXXX in manner for judicial courts to determine what party or parties breached lease agreement, violated Arizona Landlord Tenant Act, and for Fraudulent misconduct. Former Landlord and XXXX XXXX XXXX , XXXX hired XXXX XXXX XXXX XXXX to represent against my Superior Court Case ; during Superior Court proceedings, on a number of occasions Former Landlord and XXXX XXXX XXXX XXXX. had ample opportunities to make resolve prior to judge delivering verdict. My Superior Court Claim was filed in Superior Courts on or about XX/XX/XXXX and should have reached and/or come concluded [ approximately ] no later than year end of XX/XX/XXXX ; but instead of Former Land and XXXX XXXX XXXX XXXX resolving all matters through their counsel XXXX XXXX XXXX XXXX while under jurisdiction of Superior Court. Accompanied by actions of Superior Courts of XXXX County who failed to uphold Ariz. R. Civ . P. Rule 1 Scope and Purpose that established rules that govern the procedure in all civil actions and proceedings in Superior Court of Arizona ; they should be construed, administered, and employed by the court and parties to secure just, speedy, and in expensive determination of every action and proceedings. Former Landlord, XXXX XXXX XXXX XXXX and XXXX XXXX XXXX XXXX failed to uphold Ariz. R. Civ . P. Rule 1 Scope and Purpose whence intentionally delayed trial by performing all types of " bad faith '' litigation tactics rather than to have made resolve no later than XX/XX/XXXX. L ) Additional Fraudulent Discoveries : While XXXX XXXX XXXX performed " bad faith '' litigation actions during Superior Court proceedings ; a sum of about four ( 4 ) years expired from date dispute initially onset that on or about XX/XX/XXXX while under oath of Superior Courts of XXXX County? XXXX XXXX XXXX XXXX and company delivered under Ariz. R. Civ . P. 26.1 their Disclosure Statement that's of information XXXX XXXX XXXX XXXX expected to present into trial as exhibits and/or as evidence upon whence a trial date would get set. Inclusive with XXXX XXXX XXXX XXXX and company 's disclosure of information was ... 1 ) A copy of a document entitled " Statement of Unit Condition '' that came as part of the lease agreement ; that this lease agreement, was delivered as a falsified document with my signature being forged. 2 ) Inclusive with XXXX XXXX XXXX XXXX and company 's disclosure of information was the Residential Ledger from XXXX XXXX XXXX with drummed up Fraudulent Charges that totaled {$650.00}. 3 ) Inclusive with XXXX XXXX XXXX XXXX and company 's disclosure of information was the XXXX XXXX XXXX Bill from XXXX at XXXX with drummed up fraudulent charges of {$740.00}. 4 ) and Inclusive with XXXX XXXX XXXX XXXX and company 's disclosure of information was ... a copy of the Move out Statement with drummed up fraudulent charges of {$3400.00} I'd seen from on or about XX/XX/XXXX. Because of my discovery to additional drummed up fraudulent charges ; because of my discovery to finding my signature fraudulently had been forged to a falsified document ; and discovering that, my identity had been compromised by my name being forged. While under oath of Superior Courts of XXXX County? Ariz. R. Civ . P. 26 ( g ) provided me the legal right to conduct a " discovery '' investigation via Personal Consultation with XXXX XXXX XXXX XXXX ; on or about XX/XX/XXXX I delivered written personal consultation to XXXX XXXX XXXX XXXX addressing my discovery concerns but gained no response nor cooperation from XXXX XXXX XXXX XXXX. In manner having to prove to courts during trial proceedings my signature had been forged to the lease agreement contract [ document of ] Statement Unit Condition. On or about XX/XX/XXXX I hired a handwriting analysis expert to examine the document in question with my forged signature ; results returned, my signature indeed had been forged thus confirming I had not authored the document that came into question thus confirming someone stole my identity by forging my signature. M ) Reservation Agreement for Holding Former Rental Unit # XXXX : Prior to Former Landlord, XXXX XXXX XXXX XXXX and XXXX XXXX committing prohibited retaliatory misconduct that led up to being wrongfully evicted ; on or about XX/XX/XXXX I visited XXXX at XXXX XXXX formerly known as XXXX XXXX XXXX ; it was verbally addressed if interested to renting an apartment I must pay {$50.00} dollars security to hold or reserve a unit. On or about XX/XX/XXXX I paid amount {$50.00} dollars as security deposit to secure a rental unit for leasing. It's standard procedure in manner if there is an occurred error needed to be remedied, standard error correcting procedure is to simply draw a single line through error and make proper correction, and bring to attention of person who made and/or created error if not present ; but if present, error correcting should be done while person is presently available. On or about XX/XX/XXXX I visited Management office of Former Landlord to follow up regarding leasing a unit ; on this day of XX/XX/XXXX, I was introduced to the Reservation Agreement Certificate, the Reservation Agreement Certificate substantiates XXXX XXXX and XXXX XXXX XXXX XXXX reserved rental unit # XXXX for my leasing pleasures but immediately noted upon being addressed about the lease agreement, the leasing term was incorrect. Former Landlord 's Management reserved rental unit # XXXX for a 12 month term ; but yet, I never addressed Former Landlord 's Management I desired a 12 month lease ; I only desired a 6 month lease agreement term ; Former Landlord 's Management who bore initials " SB '' properly drew a single line through error and made proper changes to meet my desired rental-leasing agreement pleasures of a 6 month term. On this day of XX/XX/XXXX while being addressed by Former Landlord 's Management regarding move-in costs of pro-rated rent ; it was addressed, amount owed was {$190.00} ; but yet, never a discussion about a Non-refundable Administrative fee of {$120.00} dollars needed to be paid. N ) Former Landlord & XXXX XXXX XXXX XXXX. Committed Theft By Fraud of {$50.00} Dollars : When delivered money order of {$50.00} dollars on XX/XX/XXXX that represented reserving rental unit for leasing ; while my presence was known, Former Landlord failed to make any kind of error correction to my submitted payment of {$50.00} dollars as a security deposit to hold a rental unit ; here fore, on this day of XX/XX/XXXX, Former Landlord accepted payment as a security deposit for holding a rental unit. On or about XX/XX/XXXX when visited Management office of Former Landlord to follow up regarding a leased unit being on hold ; on this day of XX/XX/XXXX, while my presence was known, Former Landlord failed to make any kind of error correction to my submitted payment of {$50.00} dollars as a security deposit ; here fore, on this day of XX/XX/XXXX, Former Landlord accepted payment as a security deposit for holding a rental unit. On or about XX/XX/XXXX when visited office of Former Landlord to sign lease agreement ; on this day of XX/XX/XXXX, while my presence was known during lease agreement signing, Former Landlord failed to make any kind of error correction to my submitted payment of {$50.00} dollars as a security deposit ; here fore, on this day of XX/XX/XXXX, Former Landlord accepted payment as a security deposit as to have held a rental unit for leasing that took effect on XX/XX/XXXX, which means? If payment of {$50.00} dollars had other means of use other than for " Security Deposit '' to reserve a unit for leasing ; Former Landlord was responsible to have made proper error correction while my presence was known and available to him on XX/XX/XXXX, but Former Landlord failed to bring any error correcting needs to my attention. Because Former Landlord accepted payment of {$50.00} dollars in manner to hold an apartment unit to be leased as leasing terms would commence on XX/XX/XXXX ; holding and reserving an apartment unit for lease can be construed as a " Security Deposit '' where such term of " Security Deposit '' applies within the Rental Agreement. According to Rental Agreement having to pay a Security Deposit to hold, reserve, or secure a rental unit for lease was clearly termed as N/A ; so mere fact, is that, Former Landlord fraudulently took my {$50.00} dollars without applying it for it's intended delivered purpose, then failed to return my {$50.00} dollars payment, is nothing but FRAUD by keeping and maintaining profits gained by negligence, but FRAUD did not conclude at this juncture. O ) Fraudulent Rental Agreement : A Non-refundable Administrative fee of {$120.00} dollars appears to Rental Agreement but appears in manner as a need for separate payment that would strictly define a Non-Refundable Administrative fee for {$120.00} dollars as same would apply for expenditure of pro-rated rent being of a separate payment for {$110.00} in manner pro-rated rent is strictly defined within the rental agreement as payment for pro-rated rent. The Reservation Agreement Certificate states move-in costs at {$240.00} that was never signed by me ; on or about XX/XX/XXXX I paid move-in costs of {$50.00} dollars as security so a rental could be reserved on hold for leasing ; then on or about XX/XX/XXXX I paid amount of {$190.00} for move-in costs as pro-rated rent which summed to be {$240.00} for a total move-in to commence on XX/XX/XXXX. According to Rental Agreement a Non-Refundable Fee amounts to {$120.00} dollars plus {$2.00} for tax that totals {$120.00} for a Non-Refundable Administrative fee. On page 2 of 24 of Rental Agreement sub-topic of Administrative Fee states Owner hereby acknowledges receipt from Resident ( s ) of a non-refundable Administrative fee in amount of {$120.00} which shall immediately be used by Owner to help defray the administrative costs associated with preparing the lease paperwork ; as stated prior, this action of Non Refundable Administrative Fee deserved it's own separate payment for strictly being defined as payment for Non Refundable Administrative Fees but I never directly paid amount of {$120.00} for Administrative Fees. Payment given was {$50.00} dollars for reserving a unit and {$190.00} for pro-rated rent ; but yet, according to Rental Agreement, pro-rated rent in amount of {$110.00} was due on XX/XX/XXXX to cover period from XX/XX/XXXX to XX/XX/XXXX, but yet? Former Landlord accepted payment of {$190.00} on or about XX/XX/XXXX ; which actually, and by Rental Agreement Terms is five ( 5 ) days prior to XX/XX/XXXX ; so facts are, pro-rated rent of {$110.00} dollars was due on XX/XX/XXXX which is same date lease agreement were to take and effect and actually took but fraud did not conclude at this juncture ... spacing is limited.
12/21/2017	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt is not yours	LA XXXXX	Web
I noticed that you are reporting inaccurate data - such as : REPORTING AN ACCOUNT AS A COLLECTION ACCOUNT MULTIPLE MONTHS IN A ROW WHEN AN ACCOUNT CAN ONLY GO INTO COLLECTIONS ONE TIME. NOT 4 TO 24 MONTHS IN A ROW LIKE YOU ARE REPORTING IT!!! AND NOT AS A BRAND NEW COLLECTION EACH MONTH ... YOU HAVE REPORTED THESE ACCOUNT INACCURATELY LONG ENOUGH.. .REAGING OF AN ACCOUNT IS A MISREPRESENTATION OF MY CREDIT HISTOR-Y ... .. so DELETE THESE ACCOUNTS NOW!!!! PLEASE!!!!! I have fully researched my rights and found that the Fair Credit Reporting Act does not allow you to victimize innocent credit worthy people by reporting erroneous false information. Under the FCRA, the following applies to me XXXX Louisiana Laws Civil Code CC 3494 Actions subject to a three-year prescription Universal Citation : LA Civ Code 3494 SECTION 2. THREE YEAR PRESCRIPTION Art. 3494. Actions subject to a three-year prescription The following actions are subject to a liberative prescription of three years : ( 1 ) An action for the recovery of compensation for services rendered, including payment of salaries, wages, commissions, tuition fees, professional fees, fees and emoluments of public officials, freight, passage, money, lodging, and board ; ( 2 ) An action for arrearages of rent and annuities ; ( 3 ) An action on money lent ; ( 4 ) An action on an open account ; and ( 5 ) An action to recover underpayments or overpayments of royalties from the production of minerals, provided that nothing herein applies to any payments, rent, or royalties derived from state-owned properties. Acts 1986, No. 1031, 1. civil code sec. 2 art. 3494 Louisiana Also I would like to state you keep deleting accounts and then the creditors add them back to my credit and re age debts that are in fact 3 + years older and also none of the creditors are registered in the state of Louisiana. I have provided proof were accounts have been deleted and creditors are illegally adding accounts back as new accounts. I have also provided proof that you are reporting accounts open that have been charged off and in my state prescription which is only allowed there Years ... do whats right and delete these accounts as you are reporting false documents!!! The following accounts listed on my credit as follows Us collections West inc-, account XXXX, I havent lived in XXXX Arizona , they cant provide proof of a lease or a drivers license with my signature. Over 3 years old per my state that I have lived in for 5 years ( Louisiana ) I have contacted this creditor no response I mailed XXXX 2 separate Times to validate these debts which they found and deleted and some how this account is on my credit again for the 4th time with a different age date. Also this company that the creditor is billing for us no longer in business. I have included this documentation as well. Ive also added my FCRA guidelines that apply to me as well 611. Procedure in case of disputed accuracy [ 15 U.S.C. 1681i ] 5 ) Treatment of Inaccurate or Unverifiable Information ( A ) In general. If, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation ; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer. B ) Requirements Relating to Reinsertion of Previously Deleted Material ( i ) Certification of accuracy of information. If any information is deleted from a consumer 's file pursuant to subparagraph ( A ), the information may not be reinserted in the file by the consumer reporting agency unless the person who furnishes the information certifies that the information is complete and accurate. ( ii ) Notice to consumer. If any information that has been deleted from a consumer 's file pursuant to subparagraph ( A ) is reinserted in the file, the consumer reporting agency shall notify the consumer of the reinsertion in writing not later than 5 business days after the reinsertion or, if authorized by the consumer for that purpose, by any other means available to the agency. ( iii ) Additional information. As part of, or in addition to, the notice under clause ( ii ), a consumer reporting agency shall provide to a consumer in writing not later than 5 business days after the date of the reinsertion ( I ) a statement that the disputed information has been reinserted ; ( II ) the business name and address of any furnisher of information contacted and the telephone number of such furnisher, if reasonably available, or of any furnisher of information that contacted the consumer reporting agency, in connection with the reinsertion of such information ; and ( III ) a notice that the consumer has the right to add a statement to the consumer 's file disputing the accuracy or completeness of the disputed information. ( C ) Procedures to prevent reappearance. A consumer reporting agency shall maintain reasonable procedures designed to prevent the reappearance in a consumer 's file, and in consumer reports on the consumer, of information that is deleted pursuant to this paragraph ( other than information that is reinserted in accordance with subparagraph ( B ) ( i ) ). ( D ) Automated reinvestigation system. Any consumer reporting agency that compiles and maintains files on consumers on a nationwide basis shall implement an automated system through which furnishers of information to that consumer reporting agency may report the results of a reinvestigation that finds incomplete or inaccurate information in a consumer 's file to other such consumer reporting agencies. ( 6 ) Notice of Results of Reinvestigation ( A ) In general. A consumer reporting agency shall provide written notice to a consumer of the results of a reinvestigation under this subsection not later than 5 business days after the completion of the reinvestigation, by mail or, if authorized by the consumer for that purpose, by other means available to the agency. ( B ) Contents. As part of, or in addition to, the notice under subparagraph ( A ), a consumer reporting agency shall provide to a consumer in writing before the expiration of the 5-day period referred to in subparagraph ( A ) ( i ) a statement that the reinvestigation is completed ; ( ii ) a consumer report that is based upon the consumer 's file as that file is revised as a result of the reinvestigation ; ( iii ) a notice that, if requested by the consumer, a description of the procedure used to determine the accuracy and completeness of the information shall be provided to the consumer by the agency, including the business name and address of any furnisher of information contacted in connection with such information and the telephone number of such furnisher, if reasonably available ; ( iv ) a notice that the consumer has the right to add a statement to the consumer 's file disputing the accuracy or completeness of the information ; and ( v ) a notice that the consumer has the right to request under subsection ( d ) that the consumer reporting agency furnish notifications under that subsection. ( 7 ) Description of reinvestigation procedure. A consumer reporting agency shall provide to a consumer a description referred to in paragraph ( 6 ) ( B ) ( iii ) by not later than 15 days after receiving a request from the consumer for that description. ( 8 ) Expedited dispute resolution. If a dispute regarding an item of information in a consumer 's file at a consumer reporting agency is resolved in accordance with paragraph ( 5 ) ( A ) by the deletion of the disputed information by not later than 3 business days after the date on which the agency receives notice of the dispute from the consumer in accordance with paragraph ( 1 ) ( A ), then the agency shall not be required to comply with paragraphs ( 2 ), ( 6 ), and ( 7 ) with respect to that dispute if the agency ( A ) provides prompt notice of the deletion to the consumer by telephone ; ( B ) includes in that notice, or in a written notice that accompanies a confirmation and consumer report provided in accordance with subparagraph ( C ), a statement of the consumer 's right to request under subsection ( d ) that the agency furnish notifications under that subsection ; and ( C ) provides written confirmation of the deletion and a copy of a consumer report on the consumer that is based on the consumer 's file after the deletion, not later than 5 business days after making the deletion. With this being said Im aware of my rights. Please do whats right and delete and make sure these stay off my reports. Thanks happy holidays XXXX.
01/04/2018	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	LA 70043	Web
Dear sir or madam, I have reached out to XXXX so many times i cant count, I need you as a company to thoroughly investigate these companies that are saying a debt is validated, Please note that this means i need a legal contract with my signature and also a lease and drivers license for an apartment that they are saying i leased when i have lived in XXXX XXXX for the past 6 years never XXXX Arizona, Please provide me with a lease, drivers license and signature on lease for these creditors as ( XXXX XXXX XXXX ) {$13000.00} at XXXX XXXX who said that unit has been leased well over 5 years ago and also states they have no lease of me living there, which i know XXXX XXXX XXXX does n't have proof of this debt as they asked me for documentation as i have included proof and ( XXXX XXXX XXXX ) the company that sold the debt is not in business and i 'm sure you do n't have documents saying this is my debt like a lease nor a signature or drivers license, yet you are stating i owe your company $ {$40000.00}, now i have done my research and Im a resident of the state of Louisiana and would like you to know the prescription law here is the following applies to me 2011 Louisiana Laws Civil Code CC 3494 Actions subject to a three-year prescription Universal Citation : LA Civ Code 3494 SECTION 2. THREE YEAR PRESCRIPTION Art. 3494. Actions subject to a three-year prescription The following actions are subject to a liberative prescription of three years : ( 1 ) An action for the recovery of compensation for services rendered, including payment of salaries, wages, commissions, tuition fees, professional fees, fees and emoluments of public officials, freight, passage, money, lodging, and board ; ( 2 ) An action for arrearages of rent and annuities ; ( 3 ) An action on money lent ; ( 4 ) An action on an open account ; and ( 5 ) An action to recover underpayments or overpayments of royalties from the production of minerals, provided that nothing herein applies to any payments, rent, or royalties derived from state-owned properties. Acts 1986, No. 1031, 1. civil code sec. 2 art. 3494 Louisiana Also I would like to state you keep deleting accounts and then the creditors add them back to my credit and re age debts that are in fact 3 + years older and also none of the creditors are registered in the state of Louisiana. I have provided proof were accounts have been deleted and creditors are illegally adding accounts back as new accounts. I have also provided proof that you are reporting accounts open that have been charged off and in my state prescription which is only allowed there Years ... do whats right and delete these accounts as you are reporting false documents!!! The following accounts listed on my credit as follows XXXX XXXX XXXX over 3 years old reporting as open even though its charged off. Not a business in Louisiana and also been over 3 years. I fully researched my rights and found that the fair credit reporting act does not allow you to victimize innocent credit worthy people by reporting erroneous false information, under the FCRA, the following applies to me : FCRA 623 ( a ) ( 7 ) negative information ( A ) Notice to consumer Required ( I ) In general. If any financial institution that extends credit and regularly and in the ordinary course of business furnishes information to a consumer reporting agency described in section 603 ( p ) furnishes negative information to such an agency reporting credit extended to a customer, the financial institution shall provide a notice of such furnishing of negative information, in writing, to the customer. ( II ) Notice effective for subsequent submissions. After proving such notice, the Financial institution may submit additional negative information to a consumer reporting agency described in section 603 ( p ) with respect to the same transaction, extension of credit, account, or customer without providing additional notice to the customer. ( B ) Time of notice ( I ) In general, the notice required under subparagraph ( A ) shall be provided to the customer prior to, or no later than 30 days after, furnishing the negative information to a consumer reporting agency described in section 603 ( p ). ( II ) Coordination with new account disclosures. If the notice is provided to the customer prior to furnishing the negative information to a consumer reporting agency, the notice may not be included in the initial disclosures provided under section 127 ( a ) of the truth in lending act. As I stated before, this is my final Request for you to do as you are governed by FCRA. If this final request does not prompt you to conduct a proper investigation of the accounts in question, I will be forced to file suit against your company in the county in which I live. That way, you can travel here in order to defend yourselves. I demand that you correct my account to show to paid as agreed-never late and remove the inaccurate data, or I will seek legal action and remedy, as I found out my right if you are victimize me by reporting false information about me to/on the credit bureau
05/02/2022	Yes	Debt collection Other debt	Took or threatened to take negative or legal action Threatened or suggested your credit would be damaged	CA 93705	Web
Hello! I am hoping you can assist me in this matter. US Collections West, specifically XXXX XXXX, fraudulently opened a hard inquiry on my credit report and arbitrarily doubled my debt owed and reported that to my credit report as well. Let me explain. I had an old collections account on my credit report for approximately {$1100.00}. I legitimately disputed this account through XXXX. ( XX/XX/XXXX ). The next day, I checked my credit report to see that my amount owed had doubled! I reported on XXXX that I needed resolution. ( XX/XX/XXXX ). He promptly responded to XXXX saying he needed more information to verify, because there are so many XXXX XXXX in his database I didnt even respond to his XXXX statement before he called my cell phone and left a message to call him back. I did call him back just as I realized he really didnt need more information, he already ( obviously ) knew who I was, he was just trying to get me to call him. So, I called him. After he answered, he made some slight wave towards his ruse of not having my information, but he already knew who I was, proceeded to give me the legally required speech this is an attempt to collect a debt, this is a recorded line etc. I do hope he did record the conversation, because he admitted several things during it. When I asked why my debt had doubled, he said I had signed something allowing him to apply accrued interest. He stated that they usually do not take advantage of that clause unless somebody disputes the account to a credit agency - and that I signed something acknowledging and allowing that. He then proceeded to tell me he was looking at my credit report as we spoke and that he noticed all of my other debts. He shamed me for my student loans and also spoke of other accounts that were neither his nor related to my debt to the original creditor. He was not given any permission to pull my credit ( resulting in a hard inquiry, thus affecting my credit score ) nor did he have any right to look into accounts that were not in his file on me. He also told me that he would do me a favor or make me a deal ( something to that effect ) and would waive the additional {$1000.00} that he had arbitrarily added to my debt if I paid him {$1000.00}. I explained that I am currently a XXXX and dont have that kind of money. He laughed derisively and said who doesnt have a XXXX dollars?. Well, I do not have an extra {$1000.00} lying around, and if I did, I would not use it to pay a debt that I truly believe I do not owe, which is why I filed a legitimate dispute with the credit agency that put this whole thing in motion. He also threatened me with court and told me You wont win. I have emailed his office with the following requests : 1. I wish to see every document I signed that he claims granted him the right to double my debt as well as every single document I signed with the original creditor ( XXXX XXXX Apartments ) 2. I wish to have him immediately remove the hard inquiry from my credit report as he had no right to pull my report in that manner without my permission ( I have since put a fraud alert on file with the credit bureau ) 3. I wish to see every piece of documentation he has proving that he and/ or his office has followed all FDCPA reporting guidelines. This includes ( but not limited to ) the Final Rule of FDCPA XX/XX/XXXX and Final Rule XX/XX/XXXX which amend Regulation F that took effect XX/XX/XXXX. I wish to see original copies proving he/ his company followed all validation requirements, ( Section 1006.34 ) as I am claiming that he did not do so. In conclusion, I feel that I have been victimized by this collection agency, and shamed, humiliated and bullied by the owner himself. I do hope he was being truthful when he said the call was recorded, because I encourage you to request a copy of the call so that you can see that I am not exaggerating in any way. The bottom line is he waits until somebody disputes a debt, lies and doubles the debt to manipulate and scare the consumer into paying what is not due. He also can not prove that he followed even the basic requirements of the FDCPA. I have attached a copy of the letter that I sent to XXXX XXXX at US Collections West. I am notifying you so that perhaps, you may wish to look into his business practices. I am also copying him on this communication so that there will be no discrepancies. Thank you for your valuable time. Please feel free to contact me if there are any questions. Sincerely, XXXX XXXX XXXX
02/17/2022	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Improper use of your report Credit inquiries on your report that you don't recognize	AZ 85395	Web	Older American
In XX/XX/2020 used XXXX to purchase and pay in full for appliances at XXXX XXXX XXXX and XXXX in XXXX, AZ. The refrigerator had problems the first day. Asked for exchange and was met with laughter. Had 13 repair attempts, as one thing after another went wrong and during pandemic. Charged back refrigerator through bankcard company. Went back and forth. I supplied paperwork from XXXX on service calls in addition to their initial 3 attempts to fix. At one point XXXX XXXX XXXX and Appliances responded to chargeback and said it was fixed, it was not. I charged it back. I even called manager on dispute letter, whom was on vacation. Never received callback after 2 weeks, which is bankcard 's company required timeframe for re-dispute. I disputed the charge again because the refrigerator was not fixed, and part was on back order. The bankcard company sent the dispute back to XXXX XXXX XXXX and XXXX for response. After 180 days the bankcard company did not get a response from them. I phoned the bankcard company for status update and was told I won the dispute, arbitration was not filed and they would not be charging me back again for the refrigerator. One refrigerator part finally came in. However, after replacing the center flap 3 times, all 3 doors, 1 sensor, another sensor didn't work properly. I gave up calling for repairs at this point as we all got XXXX and my sister passed away. Low and behold, 6 months later I receive a collection notice from XXXXXXXX XXXX XXXX XXXX XXXX XXXX AZ that they were reporting me to XXXX. I called the woman on the letter. She said she was the collection agency and just wanted to know if I was going to pay or not, she didn't want to hear anything else. I received notice that a collection account was on my credit report from my bankcard company. The name of the company was XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX ( no follow up on what AKA is ) not XXXXXXXX XXXX XXXX XXXX XXXX. I don't know how they got my SS #, I never signed anything with that company. In fact, my sales receipt does not list XXXX XXXX XXXX XXXX XXXX company anywhere. I disputed their 2 hard inquiries on me that I did not authorize or apply for an account with them. I did this 2 times. I spoke to XXXX, provided copy of documents and was told they could run my credit without authorization and would not remove inquiries or collection account from my bureau. I had a XXXX credit score prior. 1. I did not authorize credit to be pull or request an account with XXXXXXXX XXXX XXXX XXXX XXXX XXXX, AZ ever, let alone a year later. Feel they used this company in retaliation for losing the chargeback dispute. 2. I have absolutely no paperwork with that XXXX XXXX XXXX or XXXX company 's name on it prior to collection. 3. If this is XXXX XXXX XXXX XXXX XXXXXXXX XXXX process, it should be in writing on their sales receipt. Failed to disclose. 4. When using a charge card to pay, how did they get my SS #? Fraud inquiry and account reporting. 5. I contacted XXXX XXXX, XXXX XXXX XXXX XXXX XXXXXXXX XXXX processor to ask if their initial contract with a merchant stated ; if they lose a chargeback dispute they need to follow the processor 's arbitration process and/or cease and decease collection. What does XXXX XXXX 's Merchant Contract state? I was told they only speak to their merchants. Again, I was left hanging. I got XXXX XXXX 's name from the paperwork sent in by the Collection company. That even reads XXXX XXXX XXXX XXXX XXXXXXXX XXXX not XXXX XXXX XXXX 6. Why could XXXX not remove their 2 hard inquiries and collection account from my report? I was left hanging with no help or recourse. What's the big deal in company 's obtaining your personal consent and SS # before running reports if this is allowed? 7. I am XXXX years old, and a woman who has always tried to do the right thing. I'm still sitting with a refrigerator that is not 100 %. I have endured : faulty product, poor customer service, fraud inquiries, fraud account report, terrible treatment from collection agency with my credit damaged. Having 13 service calls to your home during the height of Covid and a death to deal with has all been so draining. Can anyone provide help? I want my credit cleared.
06/26/2021	No	Debt collection Other debt	Attempts to collect debt not owed Debt is not yours	AZ 857XX	Web
I originally had a vet appointment scheduled for XX/XX/XXXX. I am a XXXX and I stayed home that day as this was a follow-up appointment for some additional treatments XXXX XXXX had suggested treating the lameness issue in my horse. The original call was scheduled for him to come out to do some x-rays, and contrary to my request, he encouraged me to forgo the x-rays and consider some alternative treatments instead. At the time, he was my main vet for my horse, and of course, I was trusting his advice and experience. The appointment scheduled was with a partner doctor who was going to administer a chiropractic treatment and an additional injection for my horse. I have never met this doctor before, I have never used any chiropractic through XXXX XXXX practice. I stayed home that day to make sure I was present for the appointment. We live on a property completely fenced with a security gate and keypad only access. We do not give the code to any visitors. We either open the gate remotely or drive up to the sensor to automatically open the gate. That way, we are aware of anybody entering or exiting the property. I ended up calling the office at the end of the day XX/XX/XXXX, because no one had shown for the appointment time. I was informed the vet had already been to the property to administer treatment to my horse without my presence or knowledge, and left. I immediately disputed it to the receptionist, because again I didnt understand how someone could access the property without my knowledge. I questioned if they had the right address because the previous appointment had to be rescheduled, because XXXX XXXX had shown up to the former address of the boarding facility we had boarded at. We had lived at our new address for nine months, and I gave the office my home address when I made the appointment. At that time, the receptionist understood all the information I had given and followed up with a few emails afterwards relaying the appointment mistake, but I never received another bill after that. I also ended up having to take my horse to another vet, another facility to proceed with the x-rays, and additional treatment due to the original lameness issue that was not resolved. Fast forward to XX/XX/XXXX. I received the bill dated XX/XX/XXXX on XX/XX/XXXX. It was the only bill or contact I had received since the previous botched appointment. I called the office that day and spoke to XXXX. I explained the whole situation and even questioned how they accessed the property without my knowledge. Professionally, I cant believe that a vet, that I never met or knew of, would treat my horse for a lameness issue, without me being present. I couldnt tell you what the chiropractor looked like, his name, how long he was here, or who was with him. I have explained this many times. I would contact the office and be told someone would call me back. I had requested to speak to XXXX XXXX and have him call me back. None of this ever happened. After the fact, XXXX tried to tell me that XXXX XXXX wrote me an email personally, but the only emails I have are signed XXXX Veterinary. I find this disturbing that this vet practice expects me to pay for services I have no idea or can trust were given to my horse. The whole logistics issue of how someone accessed our secure property without my knowing doesnt make any sense. I have made several calls and contact, in a timely fashion, to the vet office regarding this issue. I have never spoken to XXXX XXXX directly, as XXXX told me he would call me back. I am disputing this invoice for valid reasons that the office can not explain. They have no proof that this treatment was given to my horse. I refuse to pay this invoice. I continue to receive monthly statements on this account. Yesterday, I received another statement for the month of XXXX. I demand that this item be removed from my collection report as its reporting in error and violating FDCPA. Any information to resolve this is much appreciated. Thank you, XXXX XXXX
07/29/2015	Yes	Debt collection Other (i.e. phone, health club, etc.)	Cont'd attempts collect debt not owed Debt is not mine	CA 93309	Web
Back on XXXX XXXX of 2015 I received a notice and a phone call from a US Collections West in Arizona that was claiming they wanted to sue on a XXXX XXXX apartment account. Because I had already been evicted and there was a judgment against me for this particular account, I was shocked to hear that they wanted to sue on the same account again. I asked how much the supposed charges were and they told me {$3000.00}! They even placed it on my credit report. Because I am no expert at these things, I decided to hire a company to assist me in dealing with this debt and credit reporting. I called XXXX. This company told me that if I had already been sued for this account then I could n't be sued again. They also explained to me that they would go trough the validation of debt process so that US Collections West provided documentation to back up their claim of {$3000.00} in charges on top of the eviction notice I was already sued for. On XXXX XXXX 2015, XXXX XXXX who is my consultant spoke with a XXXX XXXX at XXXX. She was the collector handling this account. I was present and listening to the conversation on speaker phone and this collector was very rude, very aggressive, and was saying everything she could to get me to pay this account. At that point my representative decided that he would wait to resolve this matter with a different representative. Three days later, XXXX XXXX calls him again so my representative just asked for itemization on the charges. XXXX XXXX did n't want to but XXXX XXXX XXXX got her to do it. She stated in the conversation that the {$3000.00} debt was a judgment case # XXXX and that they were going to come after me for it. After looking that case # up, we noticed that was only for the eviction. XXXX XXXX XXXX was obviously trying to lie to us in order to scare me to pay off this debt. After a few days of getting harassing calls from US Collections West my representative asked XXXX XXXX to either provide the itemization or he would personally file a complaint against her and the company for noncompliance of the Fair Debt Collection Practices Act for harrasment after failure to validate debt within the initial 30 day period. At this point XXXX forwarded him the itemization and asked to collect the debt. We informed her we had to review it first. After reviewing the itemization we noticed that many of those charges were fraudulent as I was being charged for dates that were paid, double charged for certain months since XXXX was awarded rent and legal fees in the eviction, and charged for days I was no longer residing on the premises. They were even trying to collect early termination on top of rent which I know you can not do. After reviewing those charges XXXX informed XXXX to contact her client and have them explain those erroneous charges or her would advise me to seek an attorney. XXXX asked him to send that dispute by e-mail to a XXXX XXXX at XXXXXXXXXXXX as he was a supervisor. XXXX XXXX XXXX did so on XXXX XXXX and I will give you a copy. When neither I or XXXX received a response from US collections West on XXXX XXXX, we decided to call them to check on the status of the dispute. XXXX XXXX was not around. After 3 weeks of not being able to get a hold of XXXX XXXX we left a message for their general manager named XXXX on XXXX XXXX. On XXXX XXXX XXXX XXXX XXXX spoke with XXXX and informed him that they had no knowledge of any dispute being sent to them. After some inquiring from XXXX we found out that XXXX XXXX had been out of the office due to XXXX. Extenuating circumstances aside, XXXX XXXX informed XXXX that this account has been disputed and they have failed to provide validation and XXXX has failed to prove any debt was owed. Since then all we have received is more calls for collections when proof has not been given.
10/09/2015	Yes	Debt collection Other (i.e. phone, health club, etc.)	False statements or representation Attempted to collect wrong amount	PA 175XX	Web
I was contacted by mail from U.S. Collections XXXX in XXXX, AZ regarding a debt that I supposedly owe in the amount of {$8100.00} ( and continuing to add interest ), for collections from an apartment complex XXXX XXXX in XXXX, AZ. We contacted XXXX, the Manager at U.S. Collections West, and explained the situation ( detailed below ), and that I do not owe this amount. I gave him the police report, and all of the paperwork I had to prove this, and they are still trying to get me to pay outrageous amounts of money that I do not owe. He continues to harass my father ( who I gave permission to speak on my behalf ) with phone calls, yelling and getting very rude with him, and when my father attempts to explain that I do not owe this amount, and that we have sent proof, XXXX XXXX the Manager XXXX hangs up on him. He offered to lower the amount to {$3000.00} to make this all go away, is what he said, but I am not going to pay a still outrageous amount for something I do not owe. XXXX has also contacted an old friend of mine who I had listed as a reference on my lease, and he told her that I owed a debt that was trying to be collected and that he needed my contact information. He was never given permission to disclose any debt to anybody other than myself and my father. I lived at XXXX XXXX apartment complex until XXXX XXXX, 2014, but left TWO weeks before my lease ended, with permission, because of a shooting that occurred on XXXX XXXX, 2014 in the parking lot, and a bullet went through my apartment where myself and my infant daughter resided, and I no longer felt safe. After the shooting occurred, I spoke XXXX in the office, who gave me permission to break my lease early, regarding the circumstances of the shooting. I let him know that I would be out of the apartment as soon as possible, and asked about possibly being prorated for the remaining of XXXX. He said they would be able to work something out for me because of the situation, and to just let him know the exact day I would be out. I let him know my last day should be the XXXX, and for them to let me know what my total charges would be for the two weeks I was there. On XXXX XXXX, XXXX contacted me by email to let me know that they had n't received the XXXX rent, and that they are turning it over to their attorney to begin the eviction process. At this point, my father contacted him to verify that I was told by him that they would work out me being prorated, and that I would be out in a few days, and XXXX confirmed that yes, they would, although a final amount was never given. I even wrote a letter at the end of XXXX 2014, 60 days prior to my lease ending to the complex and had it signed by the office, AND filled out a Non-Renewal of Lease form ( as required in the lease ), that I would not be renewing my lease at the end of XXXX in the first place. The apartment I moved into was in shoddy condition upon moving in, with stains on the carpets and hinges falling off of cupboards, and months before I left, there was a hole through the ceiling/roof because of a huge rain XXXX had, which I told the office about multiple times ( which I have signed proof of, dated XXXX XXXX, 2014 XXXX, and they never fixed it. It was there for months, and upon my moving out in XXXX, still had never been fixed, as well as bullet holes through XXXX walls, which I 'm sure are repairs they are trying to charge me as part of the {$8100.00}. XXXX XXXX never contacted me regarding any charges for anything, even though they had my phone number, my father 's phone number, and my email address, which they had made contact through all of these before, and all of my mail had been forwarded to my new address. I do not owe this amount, and U.S. Collections West is continuing to try and collect an amount that is not owed.
03/30/2016	Yes	Debt collection Other (i.e. phone, health club, etc.)	Disclosure verification of debt Not given enough info to verify debt	AZ 85379	Web
I received a phone call from U.S. Collections West Inc., a debt collection company based in XXXX, on XXXX XXXX, XXXX. I was told that I am responsible for paying {$2400.00} in damages they claim were left when my family and I moved out of an apartment complex, XXXX XXXX XXXX, in XXXX XXXX. I received a follow up letter in the mail shortly thereafter, which was dated XXXX XXXX, XXXX. I responded to the communication on XXXX XXXX, XXXX with a certified letter requesting the debt collector provide documentation to verify the validity of the alleged debt. On XXXX XXXX, XXXX, I received a copy of the lease signed in XXXX XXXX, a copy of the " notice of intent to vacate '' that was submitted in XXXX XXXX and a copy of an itemized list of damages dated XXXX XXXX, XXXX. I have responded with a letter, sent on XXXX XXXX, XXXX, challenging the charges -- which totaled {$2400.00} -- they claim are still owed. Meantime, I have also learned that U.S. Collections West Inc. reported the alleged debt to XXXX in XXXX XXXX, months before anyone contacted me. My mother was the primary person on the lease, but my sister and I were both required to sign after we turned XXXX. However, I am the only person to have received a letter in the mail regarding the charges. ( But my sister and I both received calls on XXXX XXXX, XXXX, which resulted in us XXXX saying we knew nothing about any debt from the apartment we moved out of nearly five years ago ). I disputed the report to XXXX on XXXX XXXX, XXXX, and two days later received a report back indicating the account on my credit was " updated. '' After speaking with an XXXX representative on XXXX XXXX, XXXX, I was told that the debt collector verified my responsibility of the debt, although she said there was no way to hold the debt collector 's accuracy in determining the responsibility accountable. The alleged debt is no way legitimate for a number of reasons. For XXXX, it includes charges for damages they claim occurred outside the apartment unit my family and I lived in ( i.e. {$230.00} for " stair damage '' ). They also claim we owe an {$820.00} " administration fee '' to fund the cost of marketing the unit so the apartment management could find someone to re-lease the unit ( even though we were told numerous times that there was a waiting list of perspective renters ). It 's important to note, again, that XXXX XXXX, XXXX was the first time anyone in my family was made aware of the alleged debt, which is nearly five years from the time we moved out. What 's more, my mom spoke with the apartment managers when she returned our keys to the unit and was told that no additional money was owed to them at that time. So to find out nearly five years later that they want us to pay nearly {$2500.00} is absurd ( especially considering that amount is nearly triple the amount of the monthly rent we paid, {$820.00} ). It 's also important to note that we never received the letter they claimed to have sent on XXXX XXXX, XXXX, and the debt collector failed to provide any sort of proof that the letter was actually sent -- nor did they provide proof that it was delivered. Arizona law requires landlords provide tenants an itemized list of all deductions within 14 days ( XXXX ( D ) ). Even if the itemized list was sent on XXXX XXXX, XXXX, that would have exceeded the 14 day period required by law. Regardless, U.S. Collections West Inc. has refused thus far to remove the alleged debt from my credit report, even though they have not provided adequate documentation to substantiate their claims.
02/22/2023	Yes	Debt collection Other debt	Took or threatened to take negative or legal action Collected or attempted to collect exempt funds	AZ 85202	Web
I received a letter from a Debt collector attorney On Monday, XX/XX/2023 I was told to contact US COLLECTIONS WEST INC. About an account I have currently in collections for the amount of {$4200.00}, It is to my understanding that this is not the Original creditor of this account and I was told that this specific amount has to be paid in full I have made a suggestion with the representative to settle it for a lower amount or be on a payment plan. I explained to the representative that I had experienced a very difficult hardship with the loss of my mother and that I am just currently unable to provide those types of funds currently I am absolutely exhausted of finances. I work less than 40 hours a week and the representative asked if I could get a loan or a " GIFT '' from someone like a family or a friend for the full amount in order to settle the debt. I advised her that I can not, she went over my finances and my income, she stated my phone bill is too high, to switch carriers " XXXX XXXX '' and pay {$10.00} a month in order to have some sort of money coming in she asked if my son and daughters father pays child support i told her no, she stated and that I'm on very thin on finances the representative herself said that " I would need a miracle from god '' to settle this. I had made the suggestion to settle for a lower amount of {$2000.00} and she stated that she simply can't do that and she would lose her job, she came back with a settlement of {$3300.00} and that it would have to be paid in full within 30 days. not once did I refuse to pay this balance but it would be just with my current bills just be very hard for me to come up with I understand the reasoning for this balance. She went on asking if I have 401k, social security, and XXXX I advised her that no, my current job doesn't offer any type of benefits in order to me to seek those types of actions. She went on asking if I have children, what my rent is, my car note, and if their father pays child support and if that's a type of income we can use, I advised her no he doesn't pay child support she tells me well how do I live?? that my son and dauthers father still have a financial responsibility and respectfully whether he pays child support or not it is none of her concern, she went on with do I get state benefits like AHCCCS Medicaid, and SNAP I told her no, I make too much money for a single mom of XXXX and have appealed these decisions with the state in order to have health insurance. Before this encounter, I was speaking with another representative and at the time I was in a very hard position where I was sleeping in my car and living with family because I had lost the apartment ( the account is currently in collections US COLLECTIONS WEST INC ) is contacting me about because that same month I lost the apartment was the month I lost my mother and had exhausted all of my finances, my savings in order to pay for my moms funeral services and cremation. I feel like I was completely taken advantage of because of the loss of my mother I was just so overwhelmed about what was going on currently in my life and I was not trying to lose any more than what I have already lost I am scared of finding a way to settle this in the best way possible, I have cried a few times on the phone with these representatives and I am overwhelmed, trying to find a way for this agency to not garnish my wages and exhaust all my finances It would leave me with no money to support me and my XXXX children.
07/07/2018	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt is not yours	AK 997XX	Web
See notice sent multiple times, still with no response : " In XXXX of XXXX, XXXXXXXX XXXX XXXX XXXX ( of XXXX Arizona ) made a collections filing for a balance associated with my account. The filing was for $ XXXX and was made to US Collections West. However, this action was made in error and I expect that it will be corrected in a timely manner. On XX/XX/XXXX, I provided adequate formal notice of lease termination ( 60 days ). Before the XX/XX/XXXX move-out date, I vacated the residence returned keys to adhere to the move-out procedure and agreement. I payed all fees associated with the lease and account, and had a XXXX balance as of XX/XX/XXXX. The lease was formally terminated on XX/XX/XXXX as documented ( see the attached record ). At no instance did I receive any notice from XXXXXXXX XXXX XXXX XXXXXXXX regarding an outstanding balance, nor any notice that this alleged account balance would be sent to collections. Additionally, at no instance did I receive any notice from XXXXS Collections West regarding a collections filing or account opening. It was not until XX/XX/XXXX that I had any knowledge of the collections filing. My application for a credit account with XXXX XXXX was denied as a result of this error, and I swiftly contacted XXXX to file a dispute. As a result of this error, my credit has been adversely affected to a severe degree, and I was denied a credit line that I needed to restructure my finances for an upcoming, time-sensitive purchase. I have made numerous attempts to contact XXXXXXXX XXXX, as well as XXXX representatives, with no response or answer. Again, I expect that this issue will be resolved in timely manner as a result of immediate action taken upon the receipt of this correspondence. I will need the new credit account opened as planned by XX/XX/XXXX. If this is not resolved with sufficient time for me and XXXX XXXX to open the new credit line with an amended and accurate credit report reflecting an accurate credit score, I will need to exercise my right to take action and seek compensatory damages as outlined by US Court of Appeals, Ninth Circuit, No. XXXX, XXXX vs. XXXX XXXX, FCRA Section 623, FDCPA Section 807 ( 8 ), FDCPA Section 809 ( b ) FTC opinion letter Cass from XXXX, and any additional violations dated after this letter punishable by consumer laws not currently mentioned. Finally, if any additional credit bureaus beyond XXXX and or agencies received a report on this false filing and currently maintain a record that is currently beyond my knowledge, it is the sole responsibility of the filing party -- XXXX XXXX XXXX XXXXXXXX ( of XXXX Arizona ) to contact all additional agencies and ensure guilt is admitted for filing a false claim and that the record is swiftly removed. If this procedure is not taken, I will pursue compensatory damages for each violation of US Court of Appeals, Ninth Circuit, No. XXXX, XXXX vs. XXXX XXXX, and FCRA Section 623. IF I DO NOT RECEIVE A RESPONSE FROM INVOLVED PARTIES BY XX/XX/XXXX, I WILL TAKE LEGAL ACTION TO THE FULL EXTENT I AM ABLE AS A RESULT OF THE SERIES OF AFOREMENTIONED VIOLATIONS. Thank you for your cooperation and compliance. ''
08/07/2021	Yes	Debt collection Mortgage debt	False statements or representation Attempted to collect wrong amount	PA XXXXX	Web
this debt was made in 2016 when my sister rented the apartment and they added my name to this debt because i was on lease just to live there and i was in school they told my mom who was XXXX and no income she could live there if not on lease, my sister paid bill in full when our mom moved to XXXX and sent for us. now that i would like to get my own place this comes up on my credit report but all paper work in my name sister name and she just opened her XXXX and never came up we even got all mail forward and old landlord said it should have not went to collects she paid everything i got a good reference letter gave back keys and there were no problems.. this greedy 3rdparty company wants XXXX for a XXXX bill that we were never giving nor have or had any knowledge of let alone a chance to pay nor do anything about it plus did not owe since was never on credit and now its on there for XXXX my mom sent ck and the lady said she not accepting because she told my mom to send XXXX to her account and call her cell cause she was going on vacation that same day. if you guys pull phone records and look at how she sent my mom check back you will see they are trying to scam me and add extra to it. the other lady in office said pay XXXX but the first this lady friend call her on vacation and she told the the lady who said we do not owe that only XXXX was going to lose her jobs and they were being mean so she said she wanted to talk to supervisor and then all XXXX broke out and the first lady called my mom phone with her friend in background showing off bn really nasty and rude to my mom so my mom hung up after she was bn smart and said she is sending check back certified for XXXX and wants all she asked for plus interest on top of that since my mom court her in a lie and called her out on it and tried to say that was not right to how they treated the young lady who tired to help us. on that.. we called our Law firm who said we were right and that they were being shady and to report them and we could sue them especially if not corrected and knew that their workers were scamming customers and all credit companies and they said you pay what is on your credit report and they can work out deals, so if it is only XXXX why are the adding extra when that was never disgusted was never owed that is how my sister got her own place how my name get screwed up and now she sends me a letter with my sister name on it not mine so why is it my credit report and why is she sending my sister personal information to me but addressed to my mom certified trying to ruin her business cause my mom came for her trying to scam me and letter said XXXX XXXX you owe us XXXX plus interest when we did not even owe the XXXX them and still not on credit report just a letter attached to my check saying XXXX plus what was added up to XXXX
07/28/2023	Yes	Debt collection Other debt	Communication tactics Used obscene, profane, or other abusive language	AZ 856XX	Web
every XXXX of the month I pay XXXX plus a XXXX processing fee. i emailed my payment on the XXXX of XXXX. XX/XX/2023, called to ask why they did not pull payment from my account they said that the person that handled my account doesn't work there anymore. i asked if i could send both my payments on the XXXX of XXXX and the secretary said that if would be ok, she transferred my phone call to me to a lady named XXXX who would handle our account she did not answer the phone so I left a voice mail explaining that the lady at the front desk said that it would be ok to send both payment of XXXX and XXXX on XX/XX/XXXX. i mailed both payments never got any confirmation back saying they received my payment nor have i ever got a statement of what my balance is, account number or anything of a receipt back from them for my own records. before i went into the hospital i tried calling US Collections west ( XX/XX/2023 ) to see if i could talk to XXXX and try to make a payment she did not answer the phone nor respond back to my voice mail. 2 days later ( XX/XX/2023 ) i called again and i finally got to speak to XXXX i asked why she hasn't responded back to my voice mails and that I've been trying to make a payment on my account, i also asked that she mail me a statement of my account. for the last 6 months before XXXX i talked to XXXX XXXX asking him the same question but he always forgot, or he just didn't want to do it. i told him that it is my legal document for the transaction that i have with you so there is no problems later on. i never got that document and XXXX in her words she doesn't want to babysit us nor tell us about our account or send us statements this was on repeat from her she hung up on me and when my husband tried to call her secretary hung up on him and when he finally got a chance to talk to XXXX she hung up on him as well. very unprofessional company. in the end my husband sends an email ( XX/XX/2023 ) stating that he would not like XXXX to handle our account due to her being very unprofessional and not sending us information about our account. today ( XX/XX/2023 ) my husband received a phone call from XXXX who said that it isn't their responsibility to send us statements when it is clearly stated on their account ( US collection west.com ) that they do I also found this information on the consumer financial protection bureau as well that debt collectors do have to send information about your account, balance and how much was paid. i thank you and appreciate the time for helping us out.
06/06/2022	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Account status incorrect	AR 72501	Web	Older American
I was taken to court in XXXX of XXXX by XXXX XXXX XXXX and the case was dismissed without prejudice but they turned it over to collections anyway. I didn't even see it until I went to buy a house and couldn't because I had an open collection on my report. I got in touch with the collection agency and ended up paying it so I could buy my home. Now the collection agency is saying I agreed that I owed it by paying it and that is not true. I had to pay it or not get my house. The collection agency and I came up with a settlement of {$290.00} to clear the debt. This was back in XXXX that I started trying to work with them on this wrongly reporting this to my credit report. Three years later and this collections agency has cursed at me, they have screamed at me, including someone who claimed to be the owner. I am appalled at how they get away with this. I sent the proof of the court document that states dismissed without prejudice and I get a response from them that says just because it was dismissed without prejudice doesn't mean I didn't owe it. Well the AZ STATE law states that the status of limitation is 6month from the date of the court hearing to refile and they did not do the law also says that it's like it never happened but here I am 6 years after court and 3 years from when I became aware it was on my credit report and they repeatedly refuse to remove it from my credit report stating I owed it. They did not refile with in the frame so the case is like it never existed. Well it does and this collection agency will not admit fault and remove it. I am attaching the court document, the information on azlaw that states the statues and what happens if they don't refile in this time frame. The collection agency owes me the money they made me pay to buy my home ( and battle later ) in the amount of {$290.00} plus remove this from my credit report immediately and I am expecting some kind of apology for having to go through all of this and them beating me down by intimidating me with cursing, yelling, rudeness every time I called. I even called XXXXXXXX XXXX and got nothing. I believe the collection agency is retaliating because I have gone to the XXXX, to XXXX XXXX, wrote a unpleasant review about it, contacted the owner who also was very, very unprofessional and I'll leave it at that, so now they are fighting me the whole way. Thank you for any help you can provide. XXXX XXXX XXXX XXXX XXXX XXXX XXXX
12/17/2019	Yes	Debt collection I do not know	False statements or representation Attempted to collect wrong amount	MO 631XX	Web
**THIS IS NOT A DUPLICATE** This consumer doesnt know you. Who are you and by which authority did you contact me? I require you to swear under penalty of perjury under the laws of the United States of America this debt is true within 5 days of this notice. Take note, pursuant to Regulation Z 12 C.F.R. 15 U.S.C. 1635 Right of Rescission, I rescind my entire consumer transaction. In addition, criminal fraud, identity theft, and conversion of property have no statute of limitations and I will defend against and seek remedy for deprivation of any rights, privileges, or immunities secured by the FDCPA against any and all guilty parties. I choose not to do business with you and your partner ( s ) any longer and CALL ALL AMOUNTS DUE IMMEDIATELY! I also revoke, cancel, and make void ab initio all powers of attorneys, in fact, in presumption, or otherwise, signed either by me or anyone else, claiming to act on my behalf, with or without my consent, as such power of attorney pertains to me or any property owned by me, by, but not limited to, any and all quasi/colorable, public, governmental entities or corporations on the grounds of constructive fraud, concealment, and nondisclosure of pertinent facts. Please send me the 1099-INT form from the IRS. According to the Federal Trade Commission : You must provide authority to collect on your behalf. 812. Furnishing certain deceptive forms ( a ) It is unlawful to design, compile, and furnish any form knowing that such form would be used to create the false belief in a consumer that a person other than the creditor of such consumer is participating in the collection of or in an attempt to collect a debt such consumer allegedly owes such creditor, when in fact such person is not so participating. ( b ) Any person who violates this section shall be liable to the same extent and in the same manner as a debt collector is liable under section 15 USC 1692k of this title for failure to comply with a provision of this subchapter. ( Pub. L. 90321, title VIII, 812, as added Pub. L. 95109, Sept. 20, 1977, 91 Stat. 880. ) I hearby affix my non-negotiable autograph with explicit reservation of all my unalienable rights and my specific common law right not to be bound by any contract or obligation which I have not entered into knowingly, willingly, voluntarily, and without misrepresentation, duress, or coercion.
02/21/2018	Yes	Debt collection Other debt	False statements or representation Attempted to collect wrong amount	AZ XXXXX	Web
Here is the THIRD written formal complaint/DISPUTE to US Collections West and XXXX at XXXX XXXX XXXX XXXX for encroaching my rights as a consumer with multiple violations of False and misleading statements and attempting to collect on a debt amount that is not owed. I am disputing the following : The lease was terminated early due to a domestic abuse situation with my ex that took place at the apartment. The apartments were notified and given a copy of the police report and protective order ( that the Town of XXXX filed for me ) and the collection agency was too. The date on my written move out notice was changed to a month later without my knowledge/approval/initials. The eviction mark on my credit report. EVERY outstanding charge ( which I have already requested an itemized break down in writing on XX/XX/XXXX and was told by the apartments the records were in storage! ). To further add, I submitted my first written dispute in XX/XX/XXXX and received NO supporting documentation or even a sufficient resolution/explanation to the dispute. On XX/XX/XXXX I was provided a print out of an email from the apartments simply stating we verified the balance is still due for apt # XXXX. Completely bypassing the detailed dispute letter sent in XX/XX/XXXX that included the points above I am disputing. Then, XX/XX/XXXX I receive a letter from an attorney retained by US Collections West stating I am going to be sued for {$2800.00} unless I dispute the validity of this debt in writing they will assume it is valid ( I just did this in XX/XX/XXXX ). So on XX/XX/XXXX I submitted in writing via email to XXXX and a XXXX XXXX XXXX, XXXX who on her email signature states she is the Assistant Community Manager to XXXX XXXX ( apartment complex we are discussing ) re-disputing these remaining charges who she told me the records were in storage and XXXX hasn't responded or even acknowledged they received my dispute and are working on a resolution. I paid {$1800.00} in XX/XX/XXXX that was advised by a representative US Collections West ( which wasn't even the correct amount and have emails to prove that as well ). I have tried to make this right, but both the collection agency and the apartment complex are violating many rights as a consumer.
05/06/2017	No	Debt collection Mortgage debt	Attempts to collect debt not owed Debt was paid	CA 92377	Web
I have recently been looking for an new apartment. I have been denied due to a judgment on my credit which was for an eviction for a property called XXXX XXXX . I was told that it was being handled by a collection company calle d UScollections West. I called the property in XXXX to find out why they placed a eviction on my credit. I was informed by the lady at the office that they were new management and that there wer e two differe nt property owners who were no longer there and that they were no longer in business. I was told that I should call and talk with the collection company. I called UScollections West and talk with a man who said that they had signed documents from the court that I appeared and pledged guilty to the eviction. I advised him that there is no way they would have any documents that I signed and pledged guilty to any eviction and that I did not owe anyone anything that all monies that were owed was paid at the time of me moving out. I advised him that I had to show proof it was paid in order for me to get my new apartment that I moved into right after moving out of XXXX XXXX XXXX . He wanted to know if I had any receipts I told him no due to me not keeping anything past a year o r two and this going back to XXXX XXXX . He told me that I could pay {$5000.00} to settle the account. I told him the account on my credit was not even {$5000.00}. He then told me that I actually owed XXXX . I told him I would not pay for that is not fair. He then gave me the court and attorney information. I called the XXXX XXXX XXXX court and was advised that there was not Junction filed against me and that there should be nothing on my credit. I filed a dispute with the Credit Bureau and was told that my dispute was denied due to the company saying it was valid. I filed another dispute with extra information and was told that it could take 30 days. I called XXXX on XXXX XXXX and was advised that the eviction and judgment was removed off my credit however UScollection s West just ch anged the account to a collections account. I have been sent paperwork that has no signature of mine and I have no way of contacting the property management company due to them no being in business.
08/23/2016	Yes	Debt collection Other (i.e. phone, health club, etc.)	Cont'd attempts collect debt not owed Debt was paid	CA 90292	Web
US Collections West located at XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, AZ XXXX has placed an account for collection that has been paid, settled, and resolved through litigation with the original creditor. Upon my surprise after checking my XXXX credit report ( XXXX ) I found an entry for US Collections West ( see attached updated report with US Collection entry ). I immediately contacted US Collections West at XXXX and told the assigned customer service representative that " I did not owe this debt. This " debt '' has been resolved through the XXXX County XXXX XXXX Justice Court case No. XXXX. The debt was paid and upon the Plaintiff 's motion and for good cause shown it was vacated as the " plaintiff ( original creditor : XXXX XXXX XXXX XXXX XXXX ) and defendant have fully resolved this debt. '' I disputed the collection account via telephonic communication with US Collections west ( see attached phone records ) on XXXX/XXXX/2016 at XXXX. I was instructed that the account would be placed under dispute and I would receive validation of the debt. I was also instructed to fax a copy of the vacated claim which I faxed on XXXX/XXXX/2016. As of XXXX/XXXX/2016, I have not received validation, follow-up, nor deletion of the tradeline on my credit report. US Collections West has not notified the Credit Reporting Agency in a timely manner that the account is in dispute. As of XXXX/XXXX/2016 US Collections West has not provided validation of the alleged debt, yet continues to report to the Credit Reporting agency the following : 1. ) a debt exist 2. ) reporting a debt with monthly terms and a past due amount 3. ) Re-aging the alleged debt using an alternative date of first default 4. ) Failing to report the trade line is in dispute The following violations have occurred and more may have occurred : Violation of 15 USC 1692e ( 2 ) ( A ) by falsely characterizing the account as an installment with a monthly payment term. Violation of FCRA 623 ( a ) ( 5 ) by reporting an alternate DOFD to Credit Reporting agencies Violation of FDCPA Section 809 { 15 USC 1692g } by failing to validate the alleged debt after receiving written ( fax ) and verbal confirmation of dispute on XXXX/XXXX/2016.
06/08/2023	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt was paid	KS 675XX	Web	Older American
we purchased one blue floating week timeshare from the XXXX XXXX ( XXXX XXXX XXXX ) in 1983. the loan for the timeshare was paid in full ( paid off early ). all maintenance fees have been paid in full and on time all these years. our warranty deed states " an estate for years terminating on XX/XX/XXXX ''. XXXX XXXX states that the timeshare was voted on to be extended for an additional 50 years in 2012. we were never personally notified of this extension nor asked to sign our approval of this extension. the only notice of this was a huge email sent in the winter/spring newsletter that bullet point # 2 says amendment 3 is passed-we have 50 more years. in 2012 we had very little internet access so we did not routinely open or read newsletters online. we only know of this now because XXXX XXXX at XXXX XXXX told us about it and joked that we probably never saw it. we do not believe that anyone should have the right to extend someones debt without their written consent. we are filing this complaint with all entities we can. thru a XXXX complaint the lodge stated that a quit claim deed stated that the timeshare had been extended. we finally located our copy of the quit claim deed from 1998 and the letter attached to it. the quit claim deed changed the way the timeshare week title was held from tenants in common to joint tenants. we can find no written reference to extension of the timeshare in the quit claim deed. there is a statement of " ownership become tenancy in common in the year 2022 '' which is the way the original warranty deed read when we purchased it. we are in our 70 's and have health issues. this is becoming very stressful. XXXX XXXX has turned over our debt for the 2023 maintenance fees to u.s. collections west in XXXX, az. XXXX XXXX offered 3 ways to exit the timeshare. we live on social security and make just enough that we don't qualify for the hardship return. we can sell it however no one wants timeshares anymore. craigslist is full of ads practically giving them away. or we can pay the XXXX XXXX 5 years of advance maintenance fees to return it. we believe our contract was fulfilled and do not intend to pay anything else.
03/27/2017	Yes	Debt collection Mortgage	Communication tactics Threatened to take legal action	AZ 85044	Web
My spouse received a debt notice from U.S. Collections West, Inc. ( in AZ ) for early termination of her lease. She did not respond, which led to her wages being garnished. She assumes full responsibility and since the initial garnishment, we have been trying to stay in contact with the collections agency. My spouse has spoken with the agency and provided her consent for me to be able to speak on her behalf. We first worked with XXXX and set up a plan, so that we could make payments without a second garnishment ( legal action ). After a while, XXXX stopped returning phone calls. The garnishment ceased for a few paychecks, then continued. I finally got a hold of XXXX, only to be told that my spouse 's case had been transferred to another person, XXXX, who is a supervisor. I spoke with XXXX once and discussed a plan going forward. To this day, we have left her 5-6 voicemail messages and have not received a return call. Since speaking to XXXX, our address has changed so there could be notices being mailed ; however, we have not received anything. I can not update the address on file if no one is calling me back. Per my last conversation with XXXX, she was supposed to contact XXXX ( the company that handles payroll for my spouse 's job ), in order to confirm if my spouse 's garnishment had been satisfied. From there, she needed my spouse to sign documentation for a payment plan, so that there would not be another garnishment. We can not proactively get ahead of a XXXX garnishment if the collection agency refuses to talk to us. My last conversation with XXXX was on XXXX/XXXX/17, since then I have left her 6 messages, none of which have been returned. Also, my spouse has received some sort of notice in the mail stating that she will be garnished for 2 more payments of approximately {$120.00}. We need to understand why, if that is a part of the previous garnishment, if it is a new garnishment, etc. We need answers. From our understanding, this was a 2 part garnishment. We understand that the first part is currently in process ; however, we are attempting to work with this agency to prevent the second part of the garnishment.
03/08/2016	Yes	Debt collection Other (i.e. phone, health club, etc.)	Cont'd attempts collect debt not owed Debt was paid	AZ 85120	Web
I was court ordered to have a wage garnishment in the amount of {$1600.00} for monies owed to an old apartment complex and it was to be paid through this US Collections West, with a court ordered interest rate of 4.25 % per annum. Per my employers payroll, I fulfilled this balance last paycheck and last week my manager received a phone call from XXXX XXXX who is handling my case at this agency and told her she was going to file an injunction against her and my employer as a whole for not sending them money. When my boss told her the balance was paid in full per payrolls records, XXXX continued to be rude and belittling to her, advising her there were still court fees and interest to be paid and that 's where the additional {$500.00} was coming from. When my manager asked her where she got that balance from because my interest accrued over 1 year would only be around {$75.00} and it had not even been a year since the judgment was entered, XXXX became even more rude and claimed they were charging interest monthly at 5.88 % on the balance owed. When my boss asked her to explain how this could be since the court order said it was interest accrued per annum, she had to hand the phone off to somebody else, a gentleman, who broke it all down for her. But it still did not add up. I have called the XXXX XXXX XXXX XXXX where my court case from last year was held, and they too are under the impression that my judgement would be met if I had paid the {$1600.00}. The collection agency should NOT have a different interest rate than the court document, and part of the {$500.00} balance included court fees ( per XXXX ) which the court stated I paid as part of my original balance. I have all the documentation of the fees, what was ordered to be paid and what was paid. What was included in the balance, etc. XXXX XXXX is RUDE, BELITTLING, and made me feel like a was the lowest piece of scum on the planet. I want to do whats right, but do not believe I owe them an additional $ XXXX I have all my court documents and proof that the court fees they are trying to charge me again were also included in the original balance as well.
06/30/2021	Yes	Debt collection Other debt	False statements or representation Attempted to collect wrong amount	CA 92054	Web	Servicemember
XXXX Moved into a home in XXXX AZ The home had to many issues paid {$4000.00} to move in told them we were not happy and found a new teamster to rent the place for them to terminate our lease they signed a new lease with a new tenant and said the would refund our deposit and months later did not than said they were keeping it because of a early lease termination fee. Years later they reported that I owed {$3500.00} for repairs to the house rent unpaid? And late fees? We were in the home for two weeks? And it was rented. We found out a new management company XXXX XXXX XXXX took over the account and reported false information to there scam partners us collection west and they put a collection on all three of my Credit bureaus I was able to remove it from all three bureaus and XXXX and then it showed up again in XXXX during Covid and I still owed because I moved I no longer have all the supporting documents and Ive been trying to work with you as collection last but I found out they are partners with XXXX XXXX XXXX theres no number they will give me to talk to XXXX for proof they gave me an itemize list of false charges that were owed and have threatened me multiple times that they will just keep reselling the debt until I pay. And keep adding collection fees and interest. I am a retired XXXX XXXX Vet. And they know I am trying to buy a house and think they can strong arm me to pay this false debt. I have even offered money out of desperation {$1000.00} to remove this 5-6 year old debt collection that is not owed. They agreed to XXXX than changed that to {$4300.00} than called and said XXXX and now {$3000.00} ..they are a private owned collection company I spoke to XXXX he threatened me and lied and said he is friends with the owner and said he just called him and will take {$3000.00} but will not give me the number so I can despite the false debt directly with the alleged creditors, I have XXXX and searched for XXXX XXXX XXXX in Arizona and around the country none exists? That would have properties in Arizona!! This is the true to the best of my Knowledge
09/19/2020	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Problem with a credit reporting company's investigation into an existing problem Problem with personal statement of dispute	AZ 85035	Web
XXXX XXXX XXXX- This " Collections Agency '' is rude and unprofessional. I called XX/XX/XXXX regarding a report on my credit for XXXX XXXX that I was unaware of. When I called I spoke to a rude man by the name of XXXX he told me that I owe a small balance of {$430.00}. I did inform him that I never even knew I had a balance that the apartment complex never contacted me and I even updated my address and have the same phone number. If I knew I had a balance of {$370.00} I would have paid it. I asked him how many times I was called regarding this debt. He informed me 2 times, one time in XXXX and another in XXXX keep in mind I moved out XX/XX/XXXX. I asked him why I was only called 2 times. He basically informed me that my account was small and he had other bigger accounts that needed to be collected. He said let me ask you a question how many times did you call to get your deposit back he said " if that was my {$400.00} deposit I would be calling everyday. '' I requested to speak with his boss to complain about his horrible customer service he then passed me to XXXX. I Informed XXXX of how disrespectful his employee was being to me and told him I work in collections and I would never speak to anybody the way XXXX spoke to me when I was the one calling trying to resolve this debt that I knew nothing about. He informed me he will monitor our call but I still am responsible to pay. He also told me its not his job to monitor my credit that if I would have ran my credit I would have seen it advised him that I do not even have a credit card and if I did owe you would think that they would call me more then 2 times in 4 years what kind of collection agency does that. Advised I have no problem paying it because I need it to be removed off my credit. So I go personally down to the office to pay debt in full and he then tells me he can not provide me a letter stating it will be removed or deleted. I was willing to pay off my debt but he was unwilling to provide me a letter that states when i payoff balance it will be removed or deleted off my credit report
08/20/2019	Yes	Debt collection Other debt	False statements or representation Attempted to collect wrong amount	FL 33147	Web
Few months ago I went to purchase a home and this company came up on my credit. I was not aware of this bill but i did recognize the address it was billing from. I contacted the company, they advised me of the charges. They stated it was {$520.00} for damages plus some other additional {$500.00} in " billing and collections ''. Until the day i called them, I had never heard of this bill, i never received this bill or a collection notice for that matter. I explained this to the agent XXXX who is incapable of understanding reasoning. I advised her I will take matters with my financial coaches and will get back to the company. I asked Agent Dont-Know-How-To-Do-Anything for a copy of these notices. She instead insisted in reading the charges to me and asking for payment again. I decided to let it be and continue the investigation on my own. 2 months after that, just about two weeks ago. I call them again now with my financial assistant on the line. I am fortune enough to get Agent Dont-Know-How-To-Do-Anything. I ask for all the details. Copy of collection notice, address it was sent to, date the bill was made ; and nothing. She can not answer this for me. She refers me to XXXX who=. XXXX answered all these questions. This was a bill after moving out of an apartment for damages. I have yet to see this form but according to him, the move out date, the date of notice, the phone number AND the forwarding address are all not mine. He tells me " well its signed by you '' but never asked for signature verification or any form of verification for that matter. My financial adviser mentioned we had two options : Either try to settle and remove this account or dispute it. I tried to settle this account with XXXX but he insisted in not removing it. I advised him I will not be paying and will be escalating it. I look today at my credit report and they have decided to double the amount listed in the collection from the previous {$520.00} to now {$1000.00} with absolutely no explanation.
04/20/2018	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt is not yours	AZ 85257	Web
I lived in an apartment during XX/XX/XXXX that was contaminated and causing medical issues and illnesses. I notified the leasing office of the contamination, requesting for it to be repaired. First notice given on XX/XX/XXXX, then XX/XX/XXXX, then XX/XX/XXXX. After 3 failed attempts to repair the issue, they were unable to provide a fit and livable condition, which resulted in me vacating the property with adherence to Arizona law. Arizona law requires that the landlord do the following : Make repairs necessary to keep the home in a fit and livable condition ; Keep all the electrical, plumbing, sanitary, heating, ventilating, air conditioning, and other facilities and appliances that are supplied by the landlord, in safe and working order. I provided them notice and a chance to fix the problem, but they failed to correct the problem and could not provide a livable environment. I provided the proper notice of allowing a minimum of 10 days before vacating the premise. I have formally disputed the validity of this debt as the apartment was in uninhabitable condition and it has created a medical condition. I declared that the debt was not valid and disputed it with US Collections West in XX/XX/XXXX. After I provided them with all documentation, legal records, and medical records proving the debt invalid, they continued to file the debt on my credit report. I have no liability to this debt as I followed Arizona law to properly vacate, and they are still pursuing to collect and have damaged my credit report. Not only have I suffered from medical complications and have had my quality of life affected by the contamination in the apartment, now US Collections West has damaged my credit report and they are abusing my rights and are in violation of the law. Since they have placed adverse information against my credit reports, I am taking action to report them under the federal Fair Credit Reporting Act.
12/08/2019	No	Debt collection Other debt	Written notification about debt Didn't receive notice of right to dispute	ND 58554	Web
On XX/XX/2019 I received an email alert that there was some activity on my credit report. When I checked the report there was a derogatory account from US Collections West out of XXXX AZ. I never received any paperwork from them until after I contacted them. They stated that it was an account from XXXX XXXX XXXX XXXX out of XXXX XXXX AZ. I stated to them that was not my account but my Sons account and they need to go after him. I also stated to them that I petitioned the XXXX Az courts to take my name off the account. ( I found out that I had a judgement against me when I was checking the courts for another individual. Never received any paperwork stating I was being sued nor did I have a chance to defend myself at that time. ) I petitioned the courts on XX/XX/2019. On XX/XX/2019 Judge XXXX granted my motion and my name was removed off the account. I and XXXX XXXX received notification of the motion and the decision of the courts. US Collections asked why I was getting so mad If it wasnt my account prove it.She laughed at me.She thought it was funny. I told her to check with the XXXX Courts and told her not to contact me again. I continue to get phone calls from this company. They have put this account on my credit report three times now. They are also charging me interest on this account. The first mail contact from them was on XX/XX/2019. On XX/XX/2019 I wrote them a letter and enclosed all the documents from the courts proving that It was not my account. The letter was sent back to me with a sticker return to sender attempted unknown unable to forward. The address was the same PO Box that was on their letter head.It appeared that the letter had been opened because someone had taped the back of it. I want this account removed from my credit report and I feel I should receive compensation from them and XXXX XXXX XXXX XXXX for making false statements on my credit report.
09/29/2015	Yes	Debt collection Other (i.e. phone, health club, etc.)	Cont'd attempts collect debt not owed Debt was discharged in bankruptcy	AZ 85296	Web
Complaint is against US West Collections, XXXX XXXX XXXX, XXXX AZ, XXXXFirst, a judgment was obtained against my spouse, XX/XX/XXXX, which was paid in full via garnishment of her wages, and a release of judgment was obtained. However, upon my spouse filing Ch. XXXX Bankruptcy XX/XX/XXXX, the Trustee demanded that the monies be returned. XXXX XXXX and XXXX XXXX XXXX were included as creditors in my spouse 's Ch. XXXX Bankruptcy, and the total of those debts were discharged, including the full amount of {$7400.00} they claim is owed ( copy of discharge attached ). However, this debt was referred to US Collections West. US West Collections obtained a judgment against me, separately, after the above debts had been discharged through my spouse 's bankruptcy, and garnished my wages from XXXX, XXXX XXXX XXXX. This judgment was satisfied XX/XX/XXXX XXXX copy attached ). It has since come to my attention that US West Collections is improperly reporting this debt on my credit report. Furthermore, after consulting with my attorney, US West Collections may have illegally garnished my wages and committed a stay violation for the previously discharged community debt through my spouse 's Ch. XXXX Bankruptcy. It is illegal to attempt to collect a debt post-discharge, and as Arizona is a community property state, each spouse has a 100 % interest in the other spouse 's assets, including income. This is referred to as a " phantom discharge '', and can be found in the Federal Bankruptcy Codes XXXX XXXX XXXX and XXXX XXXX XXXX. In addition, the copy of the enclosed discharge also states that collection of discharged debts from community property are prohibited and the violator may be required to pay damages and attorney 's fees to the debtor. This has caused denial of credit and potentially denial of a mortgage for not only myself, but my spouse separately.
10/10/2017	Yes	Debt collection Other debt	Written notification about debt Didn't receive notice of right to dispute	AZ 85021	Web
I recently viewed my credit report for XXXX. I notice U.S Collection West was being reporting twice for 2 different accounts. I disputed and asked them to send me variable proof that this debt is accurate, instead I received two letters just giving me a break down of the debt, nothing with my signature, nothing stating that they purchased this debt. And on top of that I never received notice after they purchased these items to allow me time to dispute it before impacting my credit. FDCPA Section 809. Validation of debts [ 15 USC 1692g ] ( b ) If the consumer notifies the debt collector in writing within the thirty-day period described in subsection ( a ) that the debt, or any portion thereof, is disputed, or that the consumer requests the name and address of the original creditor, the debt collector shall cease collection of the debt, or any disputed portion thereof, until the debt collector obtains verification of the debt or any copy of a judgment, or the name and address of the original creditor, and a copy of such verification or judgment, or name and address of the original creditor, is mailed to the consumer by the debt collector ... ( b ) If the consumer notifies the debt collector in writing within the thirty-day period described in subsection ( a ) that the debt, or any portion thereof, is disputed, or that the consumer requests the name and address of the original creditor, the debt collector shall cease collection of the debt, or any disputed portion thereof, until the debt collector obtains verification of the debt or any copy of a judgment, or the name and address of the original creditor, and a copy of such verification or judgment, or name and address of the original creditor, is mailed to the consumer by the debt collector ...
12/14/2017	Yes	Debt collection Other debt	False statements or representation Attempted to collect wrong amount	WY 831XX	Web
I was evicted from XXXX XXXX XXXX in 2012. I have only lived there 1 time. They have put 2 judgements on my credit and a collection for {$6700.00}. Over the past year I was able to file a motion to dismiss on of the judgements. But I can not get in touch with anyone at the collection 's company ( US Collections West, INC ). I disputed the collection with the credit bureaus and the collection company sent a letter back providing documentation from the Apartment complex ( a list of things they did, renewal of lease, etc. ), they took out the amount of my deposit that I paid which I believe should have been applied towards that amount they are charging and not just dismissed. The Apartment complex has a judgement for the owed rent and it looks like they have put that into the collection amount as well. I tried to call the apartment complex to have them explain everything with me so can can get it resolved. I can not get them to call me back. I have called many times in the past and get avoided. I called this morning from my work and they answered. I explained what was going on and got put on hold. The line dropped I called back 3 times in a row from my work line and received no answer. I called from my cell phone and they picked up took my number and said they will give me a call back. I feel like I am being harassed/haunted by this debt. I do not believe I owe the {$6700.00} collection. I will pay the judgement. I am at fault for letting it the eviction happen. But I do n't know how to get rid of anything if nobody will talk with me. I was looking at possibly settling the collection just to make it go away. but I can not get anybody to work with me. I think this whole experience is really unfair and unlawful. Please HELP me. Thank you.
10/08/2019	Yes	Debt collection Other debt	Written notification about debt Didn't receive notice of right to dispute	AZ 85016	Web
My mother in law had an apartment that I cosigned on at the XXXX. We reached out to the company who managed the apartments through a tenant advocacy group to try and rectify grievances that we had with the apartment, mainly an infestation of roaches that came through the vents. We didnt get the help we needed from the apartment, so we broke the lease as was our right. The apartment complex claimed we owed money to them, and we argued the conditions were not safe and they neglected their duties to fix issues in the apartment. This happened in XXXX, we had not heard back from the apartment, or anyone about this matter so we had assumed it was resolved. XX/XX/XXXX, I received a phone call at work from a debt collection company called us collections west, they informed me that there was a debt placed by the XXXX. I informed the person that I did not want them calling me at work, the person said she could still call my boss. I found out later that my mother in law had talked to them before they called me and informed them, they were not to call me at work. I spoke to her manager 2 weeks later about this issue, and I was told it was put on a disputed status no further action would be taken at that time. I asked for validation of debt at that time and didnt receive it. In XXXX I spoke to them again and informed them I still had not received the validation of debt and was told they hadnt received it back in the mail, so it was out of their hands. Im now getting a letter from a lawyers office claiming a different amount was owed, but they didnt send a breakdown of how that amount was settled on. As of this complaint I still havent received a single piece of mail concerning my validation of debt, and theyve already put this on my credit.
10/12/2018	Yes	Debt collection Other debt	False statements or representation Attempted to collect wrong amount	AZ 85303	Web
I had a XXXX salesman named XXXX come to my home in 2012. We settled on {$1200.00} for the XXXX {$62.00} a month, I planed to pay {$120.00} to pay it off faster. I revived a bill two days later for {$4100.00} XXXX! I was shocked. I called right away. Said I wanted to contact my salesman. They said he no longer worked there. I said I wanted to cancel, they said no. I couldn't because he was no longer employed and it had to be through him. I said I cancel and they needed to pick it up. They refused. I did not have a contract at all. The sale man had said he would be back to get my trade in and final contract. He never returned. I still have my old vacuum shown on their " contract '' as my trade in. I had asked several times to see a contract since I didn't have one. They sent one that had a list price of {$2400.00}, not {$1200.00} as decided. The salesman had left several packs of new contracts at my home. Which I still have. I signed the cancel from one of those contractfs and faxed to them with the number they had on their answering machine. Trying to find that old fax machine to see if I can get proof of transmison. I called them at day 19 informing them that per their own contract if they did not pick up the vacuum up I can retain or dispose without further obligation because I canceled. This is wrong. Now I have been served for this debt. I will gladly pay the {$1200.00} or give the unused vacuum back. Pieces still in plastic with a never used bag. But I should not have to give it back, they had 20 days to get it per their own " contract ". I did track down the salesman, but he says he can not remember any specifics to my sale. This is not a proper way to conduct business.
01/22/2019	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt is not yours	AZ 850XX	Web
We experienced a fire casualty to our residence on XX/XX/XXXX - a neighboring unit experienced a fire, and the resulting water damage from firefighting efforts rendered our unit unsafe for habitation. Also, extensive damage to the unit resulted in our enjoyment off the dwelling unit to be substantially impaired, specifically we where unable to utilize our master bedroom, the master bedroom closet, the master bath, as well significant portions of our living room and kitchen. Pursuant to A.R.S. 33-1366 ( XXXX ) we first advised our landlord in a letter on XX/XX/XXXX that we were terminating the lease per our rights under State Law. On XX/XX/XXXX, we hand delivered our keys to the apartment, and the landlord signed that they received the final letter and keys to the unit, and that they are aware that we were terminating our lease per the relevant state statutes. Subsequently, the landlord referred this invalid and un-owed debt to a collections agency ( XXXX. XXXX XXXX, XXXX ) in violation of ARS 33-1366 ( b ) which states that the " Accounting for rent in the event of termination or appointment is to occur as of the date the tenant vacates all or part of the dwelling unit. '' The collections agency was made aware of the basis for the termination of the lease, and that until and unless the debt is validated via a court determination that ARS 33-1366 ( a ) the debt is invalid. We relayed this information in two letters dated XX/XX/XXXX and XX/XX/XXXX. And that we claim all rights, privileges, and remedies according to the FDCPA and FCRA in regards to this. Subsequently, in XXXX of XXXX we were made aware that they had reported this invalid debt to the XXXX Credit Bureau.
01/10/2019	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt is not yours	AZ 85018	Web
Received notification from US Collections West on a debt that was due in the amount of XXXX on XX/XX/XXXX for the XXXX XXXX. I asked for verification of the debt. US Collections West responded with documentation, showing that I was in court and had lost the decision. I was never summoned to appear in court, and was never notified of such hearing. I do not believe I owe the debt due to properly terminating my lease with the XXXX XXXX, and moving out at the end of my lease. On XX/XX/XXXX I received another notification from US Collections West saying my debt needed to be paid or I would face another court hearing. I followed up with another letter and no response. I spoke with XXXX XXXX on the phone, who was identified as my debt account manager. XXXX was very condescending and derogatory towards me, and was being very forceful in her tone. On XX/XX/XXXX, I received a letter from Attorney XXXX XXXX saying they would start garnishing my wages. I responded to Mr. XXXX by mail asking him to verify my debt, which I did not receive any response. On XX/XX/XXXX, I received a letter from my accounting department at work stating that my wages would be garnished starting with my next paycheck. I reached out to XXXX XXXX, and she refused to answer my calls. After finally speaking with her, she stated she would only cancel my garnishment if I paid in full, plus court costs in cash. If not, my garnishment would still be active and would be levied. I have never dealt with such an unprofessional person and company in my life. US Collections West is full of scam artists who are just trying to take every cent away from innocent people.
01/08/2018	Yes	Debt collection Other debt	False statements or representation Attempted to collect wrong amount	LA 70043	Web
Hello, I have reached out to Us Collections through CFPB, I filled a complaint because they are reporting a false amount on my credit file and also reporting a debt that 's not mines. They are reporting a debt from a company that is no longer in business and in fact selling condos as i have provided in pdf form and in addition this company stated in my CFPB response that i dispute this alleged debt every month in fact i do n't and yes i have sent 3 times a request for validation as they wont give me anything for an apartment, like a lease my drivers license, my signature. I do n't need a letter saying you sent me validation with nothing attached as proof, Im sure as a company you know that 's not validation. XXXX XXXX the mgr @ us collections west, Please send me the lease and my drivers license, you stated that you mailed me a letter on XX/XX/2017 certified mail, provide the return receipt and a pdf with my signature and the address you mailed it to. Im a single mother and trying to better my life and your company are reporting false and detrimental claims against me and this is horrible!!! all i ask for is proof and the correct amount, if there is none do whats right and delete from my credit file. I ca n't sleep at night knowing i did n't create this debt of $ XXXX!!! lets face I 'm not owning this debt and it has only 3 more years to report!! if you have a heart and a family and know how hard it is in this world and review your files and delete as this honestly not me as i have lived in XXXX XXXX for the last 6 years of my life!! I pray that something changes and GOD has his hands in this .... Thanks XXXX : )
05/09/2016	Yes	Debt collection Other (i.e. phone, health club, etc.)	Disclosure verification of debt Right to dispute notice not received	AZ 85138	Web
I leased with XXXX on XXXX/XXXX/XXXX through XXXX/XXXX/XXXX and provided them a 60 day notice to vacate due to inhabitable conditions. The XXXX XXXX forwarded a balance to US Collections West ( an Agency ) and US Collections West did not forward any letters or make an attempt to contact me regarding this debt. I was not given my opportunity to dispute nor was I aware of any balance owed. I noticed on the court documents that they had an address that I am not familiar with or have ever lived nor do I know of anyone living there. My mail was forwarded from my old residence to my new and I provided the management company with the new residence. I have also made multiple attempts to contact their attorney through my attorney and they have terminated the calls, very unprofessional! Many of the charges are not valid therefor a portion would have been disputed. I noticed that US Collections West has many violations regarding this issue and many others and their tactics are illegal and immoral. Please help me, I am stressed and sick to my stomach regarding their tactics and business practices. I am employed at the same place since my rental application and not hard to find at all by anyone. They have also placed this information on my credit report without giving me the opportunity to dispute the original creditor balance which violates my rights as a consumer to fair treatment. Please help resolve this issue. Their attorney is XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Az XXXX XXXX and US Collections West is XXXX XXXX XXXX XXXX, Az XXXX XXXX
04/22/2020	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt is not yours	MA 01453	Web
XXXX XXXX XXXX XXXX is a debt collector reporting to my credit bureaus claiming a fraudulent account. XX/XX/XXXX I sent them a request via certified mail informing them this account does not belong to me and requesting removal as well as any documentation they have. They refused to reply whatsoever. After researching their company I found they are not licensed to collect debts in the state of Massachusetts. I am a Massachusetts resident. Massachusetts XXXX Laws, Part XXXX, Administration of the Government, XXXX XXXX XXXX XXXX XXXX, Chapter XXXX, Section XXXX : ( a ) No person shall directly or indirectly engage in the XXXX in the business of a debt collector, or engage in the XXXX in soliciting the right to collect or receive payment for another of an account, bill or other indebtedness, or advertise for or solicit in print the right to collect or receive payment for another of an account, bill or other indebtedness, without first obtaining from the commissioner a license to carry on the business. XXXX Collections is illegally attempting to collect without a license. In XX/XX/XXXX I sent them a XXXX Demand notice informing them of my demands for the removal of the account from my records. They failed to reply. In XX/XX/XXXX I sent a third and final notice informing them they are attempting to collect on a fraudulent account, in violation of the FCRA and in violation of numerous federal and state laws. They again refused to reply or correspond in anyway.
02/14/2019	Yes	Debt collection Other debt	False statements or representation Attempted to collect wrong amount	AZ 85021	Web
I have a collection on my credit report apparently from XX/XX/2013 which I was not aware of. I lived in an apartment complex gave a 30 day written notice and verbal notice a few times, then moved out before the lease was up. I saw on the credit report there was a collection charge in my account in XX/XX/2013 I disputed it and moved on with my life. I didnt hear anything about the dispute thought it was taken care of. Now when I'm trying to love again the same collection is still on my credit report. I called and spoke with a guy there he claims I owe more money then what was or has been reported for the last 7 years. I told him i disputed it on the credit yesterday and years ago. I even told him 2 people where on the lease at the time. He tells me that only 1 person signed the lease and that the other person only signed the application which isnt true. I dont see how I can dispute something years ago and apparently they didnt respond to me disputing again and tell them and now they respond years later and then change the amount. This isnt fair and isnt that illegal after 7 years to all of a sudden change the amount when I confront them about it. Even though I dont owe anything I even offered to settle for XXXX and I want a letter saying this issue has been resolved asap. He said he would forward to his client the apartment complex which I talked with yesterday and they are looking into the matter as well even though they're the new company coming in.
09/18/2017	Yes	Debt collection Other debt	False statements or representation Attempted to collect wrong amount	AZ 850XX	Web
I got contacted by a debt collector XXXX XXXX from US COLLECTIONS WEST, INC about a debt that I owe that I did n't know about at all. It is for an apartment complex called XXXX that I lived at for a year. I requested the charges details and by viewing them, everything was not accurate. It was completely an accurate claim. I called XXXX and I send him a dispute. XXXX then contacted me and said that the apartment complex has validated the debt and you have to pay! Again those chargers are inaccurate!! I 'm being charged for door lock change, panels, countertops, bathtub, carpets, wall paint and more. There are even things like window screens and shower rod that were not included in the apartment when I received it and they 're charging me for it. Basically, they want me to pay them the expenses for renewing the apartment which I have nothing to do with! I have left the apartment exactly how I received it from them! I feel they are taking advantage of me by sending the chargers to a debt collecting agency and forcing me to pay it! AGAIN, they never sent me notice or anything I 've been contacted by the agency and after disputing the collector is telling I must pay or otherwise I 'll be reported and that the report will damage my credit and if I do n't pay they will send my file to involuntary collections dept that enforces the signed lease to the fullest extent Arizona law allows upon receipt of a suit authorization from the client. Please help
04/18/2015	Yes	Debt collection Other (i.e. phone, health club, etc.)	Communication tactics Threatened to take legal action	CA 92879	Web
I recieved a call from an associate who identified himself only as XXXX on XXXX/XXXX/XX/XX/XXXX, who did not state what collection company he was calling from. XXXX told me there is an unsettled debt for $ 3000.00+ for an apartment eviction from XX/XX/XXXX. I requested documentation to be sent, and was told no because it would cost him {$2.00} or {$3.00} to send and that I dont need proof of something I owe. After telling XXXX I did not have availale funds and that I felt the call may have been fraudulent the call was ended. On that following Friday, XXXX called back and while still not advising who he is employed by, he informed me he sent my account through for garnishments because I would not make a payment. After several calls, I was then transferred to work with an XXXX named XXXX. XXXX told me he would stop the garnishment order if I agreed to pay him a minimum of 12 % of my take home pay. He would not negotiate, and did not ask what my monthly expenses are. I was sent an agreement form to return to XXXX by XXXX/XXXX/XX/XX/XXXX with a monthly payment of {$250.00}, and if i dont, he threated a lawsuit against me and garnishments. I found the company to be US Collections West in XXXX, Az and find the collection tactics to be forceful, misleading, and predatory. I have been mistreated and disrespected by this agency, and being forced to pay an amount which will cause a hardship.
07/15/2016	Yes	Debt collection Other (i.e. phone, health club, etc.)	Cont'd attempts collect debt not owed Debt was paid	AZ 85016	Web
I moved out of an apartment complex and did not pay the final month of rent. They sent me to small claims and ultimatley garnished me. I fullfilled the full garnishment that was approximatley {$3300.00}. On the garnshment there was a column for other damages ( as far as carpet blinds basic maintance of the aprtment ) and on the original garnishment they put XXXX. In the state of Arizona you can file a small claims complaint of up to {$3500.00}. Now US Collection west is attempting to garnish another {$1300.00} for damages. In addition, with the original garnishment they charged for rent unpaid. In this new small claims complaint they are charging another {$540.00} in rent ( what they told me the time it took to rent out the apartment ). They are attempting to sue me twice on XXXX lease agreement. I feel like they got the most they could get in the original garnishment as allowed by small claims court XXXX and they are attempting to go for more. Another issue I am having is they filed the original small claims complaint with XXXX Justice Court and now for the second complaint they are filing with XXXX XXXX Justice Court. I would like an explanation on why they are using different courts if it is the same collection agency and for the same apartment complex. I believe this to be decieving the court system
05/08/2018	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Public record information inaccurate	AZ 85053	Web
I have a judgement from XXXX from XXXX XXXX XXXX. It has been reported on my credit report that I owe {$6000.00} as a collection account. However, I have recently had my wages garnished for this matter in the amount of {$1500.00}. This was paid approximately 2 months ago leaving the judgement as satisfied 100 %. There is a Writ of Garnishment and Summons in the amount of {$1500.00}. There is NOT one for the amount of {$6000.00}. On XX/XX/XXXX I wrote a letter to XXXX asking that they validate the account for XXXX XXXX/US Collections West ( Collection Agency ). I received a letter from US Collections West , Inc. on XX/XX/XXXX showing the total amount owed is {$7200.00} which includes interest of {$1200.00}. They included the Writ of Garnishment for {$1500.00}. They also included a Writ of Restitution that is nearly completely non legible. Regardless of any dollar amount in regards to this case, the fact is {$1500.00} is the amount that a judge has decided was owed and garnished from my wages. This is the amount, if anything, that should be on my credit report. The inaccurate reporting has hurt my credit for almost the last 5 years. There is a huge difference between a debt of approximately {$1500.00} and $ 6,000+. The ways that this has impacted my credit are immeasurable.
12/10/2019	Yes	Debt collection Other debt	Took or threatened to take negative or legal action Threatened or suggested your credit would be damaged	AZ 85255	Web
on XX/XX/XXXX and again on XX/XX/XXXX I submitted a dispute with XXXX, XXXX XXXX and XXXX in regards to an account that U.S Collections West had recently placed on my credit reports. The investigation results revealed that said account was verified as reporting correctly with all 3 bureaus. On XX/XX/XXXX I received a statement from U.S. Collections West dated XX/XX/XXXX showing a list of charges and an alleged balance owed to their client XXXX XXXX XXXX. I immediately contacted XXXX to inquire about the matter and informed them of my dispute.The statement reflects a list of charges for supposed service that I do not recognize nor am I able to verify. Oddly all the charges are exact dollar amounts. The collection notice states a balance is owed in the amount of {$4200.00} .However the statement from XXXX reflects a different amount owed of {$1800.00}. I never received any communication from XXXX. On XX/XX/XXXX I sent a certified letter to USCW reaffirming my dispute and requested specific verification for the alleged debt. No response has been received. I have been unable to resolve this matter with either companies. U.S. Collections West continues to ruin my credit. AZDFI has reported that correction action was taken against their license for similar violations.
05/21/2019	Yes	Debt collection Other debt	Communication tactics You told them to stop contacting you, but they keep trying	AZ 85205	Web
Jdmnt was awarded for an old apt complex back in XX/XX/XXXX for {$850.00}. They are reporting it to credit as XXXX as of XX/XX/XXXX, I filed a dispute with the credit bureau and they responded with a copy of the contract and fees that didnt even add up to the amount they are reporting, so I filed a 2nd complaint and they mailed a document in the mail that just said the debt is valid. I have reached out to the company since XX/XX/XXXX requesting different documents and they have yet to comply. On XX/XX/XXXX I served them certified mail with a notice to validate the debt and provide documents because I disputed the amount they are reporting. They are not allowed to contact me while in dispute and they called me that same day to tell me they received my attorney general complaint and document and that it was fwd to a mang, but wanted to know what my intentions were with the debt. I advised when they provide documents to me to substantiate there claim then I would get back to them. They also called me again today XX/XX/XXXX @ XXXX, I just rejected the call due to them not being able to contact me and they are well aware of that as they are violating The Fair Debt Collection Practices Act by contacting me. I have documentation that I will also attach.
04/03/2019	Yes	Debt collection Other debt	False statements or representation Told you not to respond to a lawsuit they filed against you	AZ XXXXX	Web
On XX/XX/2019 ; US Collections West , Inc. acting on behalf of XXXX XXXX /XXXX XXXX placed two credit bureau marks on my XXXX Credit Report. I placed a call to the collection agency and advised them that the debt they are attempting to collect was not valid because litigation has not been completed due to a pending appeal in the XXXX County Superior Court. I demanded that they remove the two marks and they refused to do so. I asked for validation of the debt including a signed judgement, from the appeals judge who is currently hearing this appeal, authorizing collection activity. As of the date of this complaint, I have not received any information showing they have a legal right granted to them by the appeals court allowing collection activity. On XX/XX/2019 ; I received a call from an agent named XXXX or XXXX XXXX from US Collections West , Inc. and I reiterated that she and her company had no legal right to collect since there is no valid debt. Ms. XXXX the proceeded to tell me that she would get her lawyer to force me to pay, and I was subjected to rude and hostile conduct while I was at my place of employment. I have disputed these two credit bureau marks but XXXX keeps reporting the invalid info as valid and confirmed.
01/12/2018	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt is not yours	AZ 85020	Web
US COLLECTIONS WEST IN for XXXX XXXX XXXX account # XXXX. I disputed this account with us collections west I have called several time and spoken to XXXX regarding this account. When they sent me proof of the account they said I owed for a lease break with ( XXXX XXXX XXXX XXXX ) that XXXX XXXX XXXX took over at XXXX XXXX XXXX XXXX, XXXX AZ. I lived at that property for 2 years with a lease agreement of 1 year that I completed and emailed my 30 day notice to XXXX at XXXX XXXX XXXX and she is no longer at that company because it was sold. XXXX and her supervisor went of agreement and agreed that I completed my lease and XXXX XXXX XXXX sent me to collections for a lease agreement I completed with XXXX XXXX XXXX XXXX I never signed any agreement with XXXX XXXX XXXX and I completed my lease agreement with XXXX XXXX XXXX XXXX I have asked for this damaging collection to be removed from my credit report and they refuse and are still calling me to collect money when they already know its a wrongful collection and should have never been placed on my credit report. I have voicemails on my phone saved from XXXX and the agreement shows that dates that I completed with in the lease agreement and this collection is wrongful.
06/08/2018	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt was paid	AZ 85323	Web
For about 2 years ( XX/XX/XXXX-XX/XX/XXXX ), I had leased an apartment at XXXX XXXX XXXX which I really regret had it done so. The lease was under two names : myself and my dad. At the beginning of theXX/XX/XXXX, my dad and I renewed the last lease which was for 6 months, this lease was going to expire on XX/XX/XXXX. Thats the only lease I agreed in that year. Here is where the issue starts, the apartment complex company through a U.S Collections West Inc. company sent me a letter that I owed {$2900.00}. I was really surprised because we paid off what was stipulated on the lease I signed, so practically we did not owe a cent to XXXX XXXX XXXX. Then, the collector sent a document where they manipulated the date on which the lease was supposed to end. They altered by adding an extra month so the lease supposedly ended up on XX/XX/XXXX. That lease does not have my signature, that lease Im not aware of. My dad who does not that much of English, they made my dad to sing the new lease. They took advantage of that. They never communicated me what was going on. Unfairly, XXXX XXXX XXXX is charging me that amount of money for not complying with the lease whose lease doesnt have my signature and also is fraudulent.
09/26/2016	Yes	Debt collection Other (i.e. phone, health club, etc.)	Communication tactics Called after sent written cease of comm	CA 90292	Web
US Collections West and its Associates are in violation of the following FDCRA sections : 1 : Willful neglect of FDCRA section 805 ( c ). On XXXX/XXXX/2016 at XXXX XXXX. The consumer requested in writing that US Collections West cease and desist telephonic communication regarding the disputed debt through the CFPB platform under complaint ID number XXXX. On XXXX/XXXX/2016 CFPB CSR confirmed delivery of written response/request to cease and desist was received by US Collections West. The week of XXXX/XXXX/2016, the consumer received more than XXXX phone call from US Collections West. US Collections West attempted to circumvent The FDCRA by utilizing an unlisted and unassociated phone number it owns to contact me. The calls were received from phone number XXXX XXXX XXXX XXXX. US Collections West publishes and prior to complaint ID XXXX communicated with me using their published phone number of XXXX. After receiving the cease and desist notification on XXXX/XXXX/2016, US Collections West willfully and unscrupulously continued to contact me using telephonic communication of an alternate number. Telephonic records in my possession illustrate the deceitful practice used to circumvent adherence to FDCRA.
09/08/2019	Yes	Debt collection Other debt	Written notification about debt Didn't receive notice of right to dispute	AZ 85705	Web
On XX/XX/XXXX the US Collections West client - XXXX XXXX after an onsite audit or their books entered into a Consent Order due to Trust Account Irregularities for the 3rd or 4th time in the last few years. On XX/XX/XXXX this account was sent to US Collections West by XXXX. A collection trade line was put on my XXXX credit report. US Collections West never sent me any initial letter informing me this matter had been placed with them and my rights to dispute the validity of the debt, nor did I ever get any phone calls from them. Even one call would have told me they had been assigned this matter.The way I discovered that XXXX had sent this matter to US Collections West was not until XXXX or XXXX of this year, XXXX, When I began to pull my credit reports because I kept getting denied for auto financing. When I first saw this collection record on my cbr and XXXX did I make the connection. It all became very clear when I went to the AZ Dept of Real Estate site and found the report by the auditors of XX/XX/XXXX and this was placed with US Collections West in XX/XX/XXXX. I dont recall seeing a collection record on my XXXX or my XXXX just XXXX.
01/05/2019	Yes	Debt collection Other debt	Written notification about debt Didn't receive enough information to verify debt	AZ 85008	Web
Hello, I never received any written notification that I had a collector debt from US Collections West from a Property called XXXX XXXX XXXX. I did not find out I had a debt until I checked my credit report. I have called this company and spoke to a collector that handled my case to request documents that show proof this is indeed a debt of mine. This person stated he would and has never sent me anything. I have even provided an updated address. I waited called again several times with no success. I have called and left multiple messages as well. Proper letters have been mailed to this company as well which have now gone over 60 days with no letter responses or calls. First call was made on XX/XX/2018, two calls to US Collections West was made back on XX/XX/2018 and then again on XX/XX/2018 requesting proof that this is indeed a debt owed to myself. They are currently stating I owe about {$3600.00} in which that was the amount written off to them from the property per a lease agreement, however they are refusing to send me the documents that shows me this proof. I do not agree with this debt, I do not believe I owe this debt.
03/27/2023	Yes	Debt collection Other debt	Written notification about debt Didn't receive enough information to verify debt	IL 622XX	Web
I XXXX XXXX sent U.S COLLECTIONS WEST, INC a letter of dispute demanding them to provide me concrete evidence of my obligation to the said account in my name I informed us collections west that I wasn't in dispute of the ownership of the account but if US COLLECTIONS WEST , INC was unable to provide the full reports of how you validated, verified, and how you are in compliance then you must remove the account from my credit report. I received letter XXXX and it had none of the information that i demanded be verified US COLLECTIONS WEST INC informed me that they previously sent me a letter validating their claim which i believe to be false, and if what US COLLECTIONS WEST, INC says is in truth I would like to get a copy of the paperwork that they claim they originally sent out regarding this account. Which i believe US COLLECTIONS INC is not operating in truth because this is my 1st time disputing via mail.If it comes that US COLLECTIONS is not operating in truth and good faith i demand the said account be deleted from all XXXX credit bureaus immediately. UCC 1-308 UCC 3-414 XXXX XXXX XXXX All inalienable rights reserved
03/19/2019	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt is not yours	AZ 85017	Web
US Collections West sent paperwork to my employer to start garnishment of wages on a debt of {$1900.00} on XX/XX/2019. The Debt in question is not mine and I filled a motion with the judge on XX/XX/2019 to vacate the judgement. On XX/XX/2019 the judge ruled that the debt was not mine and ordered a stay of the garnishment and a release of all funds. I called the Collection Agency on XX/XX/2019 and was asked to call back. I called back on XX/XX/2019 and was transferred to my case manager XXXX XXXX. I asked when funds would be released and he stated funds would not be release because the judgement was invalid and they were not served. He then said I would have to take them to court because they were not releasing the funds. I would like to know why US Collections West is not following the court order and keeping the money wrongly garnished from my paycheck. I understand they have a client to protect but they are coming after the wrong person. I submitted a complaint to the XXXX and they are saying they have no knowledge of the court proceedings. I have sent them several copies of the court documents.
02/28/2019	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt was result of identity theft	NC 27610	Web
Date per company:XXXX Company : US Collections West Issue : I have submitted to the company, and XXXX a police report and an Affadavit explaining this account is fraud. Back in XXXX ( cant temember exact date ) I was in the process of moving where I went to a public library to make copies of ids socials and other info ( paystubs etc ) for a rental application. I left the folder at a computer while using the restroom and it disappeared. All of a sudden later about 1-3 months accounts started popping up that was not opened by me. I know people may think all XXXX people look alike because they allowed this person to physically open up stuff and sign or it and everything. I explained this to the company over 5 years ago. It was also at one point removed from all of my credit reports then all of a sudden inXX/XX/XXXXthis company put it back. This company is refusing to remove it. I sent them my police report and everything. XXXX has also sent them the same info. They refuse to let me speak to a fraud specialist and they have not given me any other way to remedy this. This isnt right. And I need help.
12/28/2017	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt is not yours	AZ XXXXX	Web
I've asked U.S. Collection West, Inc where is the contract that shows they've been given the right to collect on the alleged debt from the ORIGINAL creditor. Since they're a 3rd party, they have no rights to collect anything from the alleged debtor since there is no way you can prove you were on any original contract. According to 73 AmJur, 2nd, Section 90. You have no right to "subrogate" (substitute) yourself into a contract, whether it is by purchase, assignment, transfer, or trade. If you "bought" the debt, you did it on your own behalf, not at the request of any alleged debtor, and therefore are a "stranger to the transaction" (voluntary payee). Once again, I'm asking you to delete all information you have furnished to any and all credit bureaus and destroy information about any alleged account you claim to have with me and should you sell, assign, transfer or trade the alleged account to some other entity to attempt collection, I will file a formal complaint to the Attorney General against your company.I've also attached a letter from them stating they wouldn't respond to me any longer.
04/17/2017	Yes	Debt collection Other (i.e. phone, health club, etc.)	Cont'd attempts collect debt not owed Debt was paid	AZ 85351	Web
US Collections West is reporting an open collection on XXXX and public records on XXXX and XXXX that has been paid. Beginning XX/XX/XXXX US collections West began garnishing my paycheck at {$570.00} per month for a Public Record from XXXX XXXX XXXX. The judgment was paid in full. Additionally, the wage garnishment was illegal due to the fact that I was never notified that they were planning to garnish my wages. At the time, I was unaware of my rights and was completely over whelmed, as I lost my place to live. I disputed the account with XXXX on XX/XX/XXXX. As a result of that reinvestigation, US Collections reported to XXXX that the account is accurate and continues to report with a balance. They have not responded to my request to validate the debt and to show proof that I am legally contracted to pay them. Moreover, the XXXX US Collections Account from XXXX XXXX was placed on my XXXX File without any prior notice. I am seeking to have both permanently removed. Below are the referenced account numbers. 1. U.S Collections Acct # XXXX XXXX 2. U.S Collections Acct # XXXX XXXX
04/05/2020	Yes	Debt collection Other debt	False statements or representation Attempted to collect wrong amount	AZ 85210	Web
On XX/XX/XXXX I visit us collection in person for the fact being I noticed they where reporting on my account after trying to reach them by phone serval times. Before visiting them I stop by the court house who provided me with my eviction documents that stats the amount that was owe to the courts, which is not the amount that us collection agency is reporting to my credit. They informed me they was trying to collect in a judgement, attorney fees and filing. Which was already in place. They went on to say they where not aware of the judgement and my previous apartment complex didnt inform them of that matter however they still intended on collecting on there balance and the previous judgement that I brung to their attention. No one in the office wanted to explain to me why they have the right to try to collect double of what my judgement was stating. So I filed a dispute with my credit bureaus. Just got the dispute back now its even more on the balance. This company is not reporting correct information and I need to speak to someone about this matter.
11/08/2022	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt was paid	OH 44145	Web
A debt collector is claiming I owe for carpet cleaning / replacement that took place ~6 years ago at an apartment I formerly lived at. The lease, that I retain a copy of, and have sent a copy to this creditor, clearly states that carpet replacement and cleaning is NOT the responsibility of the tenant after 24 months. Further, I did receive a letter from the property management and have record that I paid in full the final balance due. This charge was added AFTER the fact to that balance. I retained this apartment for 36 months. This alleged debt is fraudulent and wasn't brought to my attention until it showed up on my credit report very recently as being in collections, despite its age. Further, even if this debt was valid, it should be allocated to all parties that lived in that apartment and split multiple ways. I've reached out to these parties, and this isn't the case. This alleged debt is only being collected on me. This is negatively impacting my otherwise pristine credit report and is unlawful and fraudulent.
04/20/2021	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt was paid	AZ 85268	Web
We ended up owing our old apartment complex money, XXXX XXXX, after leaving our unit. A judgment was rendered against us for the amount of XXXX by the court. No more. And no less. We satisfied said judgment through payment of garnishment. And paid off the ENTIRE debt on XX/XX/2018. We have the " Judgment Satisfied '' letter from the courts. And thought that the issue was resolved. However. U.S. Collections West, is still trying to collect money that we DO NOT owe. And has put the amount of XXXX on my credit. And the credit agency XXXX, has refused to remove the debt. What they are reporting is false, especially since the courts probably did not give them the amount they were looking for. And are now harassing us for something we already satisfied THROUGH THE COURT. So are they trying to collect the same debt twice, by holding my credit hostage? They are also holding our credit hostage for something that has already been satisfied. If they do not remove the debt ASAP. We will be getting a lawyer.
06/13/2018	No	Debt collection Other debt	Communication tactics Used obscene, profane, or other abusive language	AZ 85051	Web	Servicemember
On XX/XX/2018 at approximately XXXX XXXX a man left a voice mail message on my cell phone. I called the number back. The man identified his self as XXXX XXXX and said he was calling from US Collections West. He went right into saying I can voluntary take case of a judgment that he had against me from XXXX XXXX XXXX XXXX or he has an attorney that will garnish my wages. I ended the call because of his rude tone. I called the companies direct line and asked to speak with a supervisor, they forwarded me back to the same person. I asked him if I could speak to his supervisor and he identified his self as the owner of the company. I asked him why he threatened me and he said it is not a threat t is a promise and that the have garnished thousands of people and I can look it up. I asked him why he was yelling at me and he began to scream at me some more and said that he has been doing this for 40 years. The conversation was getting no where and he continued to yell at me. I then ended the call.
01/26/2022	Yes	Debt collection Other debt	False statements or representation Attempted to collect wrong amount	AZ 85048	Web	Servicemember
on XX/XX/XXXX a judgment was filed by XXXX XXXX XXXX XXXX XXXXUS COLLECTIONS WEST for {$1200.00}. On XX/XX/XXXX, I contacted US COLLECTIONS WEST to pay this judgment from my Eviction Action Hearing. I was treated with hostile and threatening language by XXXX XXXX and XXXX XXXX XXXX. I paid {$1600.00} to US COLLECTIONS WEST on On XX/XX/XXXX, and requested a copy of my receipt from XXXX XXXX he refused to provide me with the proof that the debt from my judgment I owed XXXX XXXX XXXX XXXX XXXX was satisfied in full. And now US COLLECTIONS WEST have also added a different collection account having XXXX XXXXXXXX XXXX XXXX XXXX as the original creditor for {$690.00} to my XXXX credit report. I make and receive calls to and from XXXX and XXXX The first call I made to them was at XXXX XXXX on XX/XX/XXXX below there are other calls to and from them on XX/XX/XXXX. I also spoke with XXXX XXXX the VP two times that day. around XXXX and then again around XXXXXXXX XXXX and XXXX XXXX on that same day.
01/25/2018	Yes	Debt collection I do not know	Took or threatened to take negative or legal action Seized or attempted to seize your property	OR 97224	Web
On XX/XX/2018 @ XXXX PST I was contacted by XXXX XXXX XXXX ( XXXX ) XXXX with US Collections West. XXXX XXXX stated that I owed $ XXXX for an unknown debt and that I had a judgment against me and that I needed to set up a payment arraignment. I requested a debt validation and was told by XXXX XXXX that he and the company he represents did not have to provide that to me and which I refuted based on my understand of the FCRA requirements. I told him that I have no knowledge of what he's talking about and that I would like written validation to be sent to me of this debt. Again I was told that I didn't have a right to that, while he implied that my living in Arizona at one point was all the proof that he needed. That I was going to be garnished and that they would continue to come after me for the next 10 years until US Collections West received $ XXXX. He then hung up on me and my subsequent attempts to request a debt validation were refused and I had the phone hung up on in my face.
01/04/2022	Yes	Debt collection Other debt	Written notification about debt Didn't receive notice of right to dispute	CA 91356	Web	Older American
Collection agency refuses to provide me with FDCPA, FCRA and XXXX FDCPA ( time barred debt collection attempt ). Agency says that the have 15 accounts for me but only a single account number. Disputed debt is a timeshare that they allege that I purchased in XXXX ( I did not ). Collection agency indicated that they entered my Connecticut address ( gone since XXXX ) with a XXXX, California person with the same name as me, creating a cross-file that Im sure he wouldnt be happy with either. A call to the timeshare company XXXX last name refused resulted in her telling me that I had 5 timeshares from XXXX and that the statute of limitations doesnt apply to them because they create a new account every 6 months! The date they obtained my credit report was XX/XX/XXXX. When I asked for my rights letter, XXXX XXXX admittedly an alias said they sent it to the other person with my name. I asked her to send me a notice but she said she would close the account ( she didnt ).
05/15/2019	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt is not yours	AZ 85335	Web
US Collections, a collection agency is trying to collect monies that I do not owed to their client, XXXX at XXXX. I sent three letters back in XXXX, XXXX, & XX/XX/XXXX ( letters attached ) to validate the debt, they were not able to do so. I requested to be removed from their records and credit bureaus as there was no basis for this collection. I never received any correspondence from then since XX/XX/XXXX, therefore, I assumed this had been taken care of. However, on XX/XX/XXXX I tried to apply for credit, and it showed a negative mark in my credit report from US Collections for an amount of {$7000.00}. This has hurt my ability to obtain credit. Briefly, I broke my rent lease with their client, XXXX at XXXX, an apartment complex, due to they fail to reply in compliance with A.R.S & 33-1321. Their client did not render a judgement against me ( which I was looking forward to resolve this in court ) instead they assigned this claim to US Collections.
05/10/2023	Yes	Debt collection Other debt	Took or threatened to take negative or legal action Threatened to sue you for very old debt	AZ 85204	Web
Debt collector contacted me for the first time regarding eviction judgements sent over to them for collections. Immediately was threatening wage garnishment for 2 seperate judgement orders. When asked about the statute of limitations she just began threatening to renew the judgement in 10 yrs and saying i would not be able to challenge the wage garnishment order through the courts if i dont voluntarily pay. Never received any information regarding this debt before this first call made on XX/XX/XXXX. She gave an amount of debt ive never heard of before and continued to say they'd charge more in lawyer and court fees. The collection listed from XXXX is time-barred due to the debt collector attempting to collect XXXX past the statute of limitations for the state of arizona. The debt listed in XXXX would be time-barred in XXXX of XXXX for XXXX. US COLLECTION WEST IN XXXX XXXX XXXX XXXX XXXX XXXX XXXX, AZ XXXX ( XXXX ) XXXX
08/21/2023	Yes	Debt collection Other debt	Took or threatened to take negative or legal action Threatened to sue you for very old debt	AZ 85040	Web
I have a {$3000.00} bill from a early move out, 10 years ago, XXXX from collections west has harassed me, my family, all of my employers even threaten to jail my old boss just two weeks ago, they threaten your family members, they run your credit as if you are applying for credit with them to mess up your credit. he told me I'm lying about my XXXX XXXX XXXX son being killed kus he served him back in 2016 when he was just XXXX smh. I told him he cant serve a minor. I have filed bankruptcy due to his harassing calls an threating to come to my house, even when I'm not home. like I got XXXX daughters an after laying my son to rest my nerves are shot. this man stalks me like a XXXX ex. MY MOTHER HAS ASKED HIM OVER 20 TIMES IN THE LAST 2 YEARS TO STOP CALLING HER IM XXXX I DONT LIVE AT HOME WITH MY PARENTS. THIS MAN IS OUT OF CONTROL ... ... TO THE POINT I FEEL LIKE I SHOULD GET A RESTRAINNING ORDER ON HIM.
09/25/2023	Yes	Debt collection Medical debt	Written notification about debt Didn't receive notice of right to dispute	AZ 85255	Web
I received a call from a XXXX XXXX XXXX. He stated this call is to collect a debt I was unaware of the bill and tok the call. I advised him I have never received anything. I asked for the details dates of services and services billed he could not provide. I asked him for written correspondance only and he continued to tell me i should have set up autopay otherwise it will be referred to collections. he stated XXXX XXXX you must agree to the payments they offer and set up autopay. i requested written correspondance va mal and 5 minutes letter they texted me via the same cell phone they called. XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, AZ XXXX THIS IS UNREASONABLE AND WHEN RECEIVING THEIR TEXT THEY HAD THE WRONG SPELLING OF MY ADDRESS NO UNIT NUMBER SO THERE IS NO WAY I WAS EVER COMMUNICATED WITH. I AM TIRED OF BENIG BULLIED BY COLLECTIONS AND HOSPITALS WHO USE THEM
11/30/2016	Yes	Debt collection Other (i.e. phone, health club, etc.)	Taking/threatening an illegal action Sued where didn't live/sign for debt	GA 306XX	Web	Servicemember
I have been trying to get this agency to properly validate their claims that I owe them a debt. They refuse to follow the law set forth under the guidelines of the FDCPA and FCRA. XXXX has notified me that they have fraudulently updated my address in my credit profile to reflect an address a XXXX XXXX address which places me under their courts local jurisdiction. I believe this was done in effort to file a default judgment against me in their local courts and illegally serve me. I do n't currently or have ever resided in the state of NV. On several occasions this agency has failed to follow the FDCPA and the FCRA. They have failed to validate the account and mark account as disputed within 30 days of notification of dispute. They continue to attempt to collect on this debt without properly validating this debt. They continue to collect knowing there is misinformation in the file.
08/31/2015	Yes	Debt collection Other (i.e. phone, health club, etc.)	Communication tactics Called after sent written cease of comm	AZ 85033	Web
they called on XX/XX/XXXX in reference to an old debt. they offered a settlement. I was unable to agree to settlement. XXXX then told me if i am refusing to pay so he can continue legal route. I said at this time i ca n't do the settlement due to amount they are requesting within 5 days and I asked and sent them a cease of communication notice. He called again on XX/XX/XXXX to my place of employment. On a recorded line on my company 's end i requested to XXXX not to call us at work and told him i would call him from my cell phone. I called him on my cell phone and again requested for him to stop calling us. I told him that we can not due the settlement they offered us and I do n't see the point of them continuing to call and harrass us. He ended call by saying good luck and hung up. they also called XXXX ( my work number ) they also called 1 of our store locations XXXX
04/24/2015	Yes	Debt collection Other (i.e. phone, health club, etc.)	Cont'd attempts collect debt not owed Debt was paid	AZ 85298	Web	Servicemember
This debt was fully paid through garnishment and fully satisfied on XXXX XXXX but they continued to garnish my wages even after I contacted them to stop. They threatened to take me to court again and claimed I owed them an additional $ XXXXXXXX. The collection agency attorney even sent a signed court document dated the XXXX of XXXX showing my full satisfaction of the debt. I had to file for a hearing with the judge in order to get the cease garnishment letter filed and as an attempt to recover my over paid funds. Then on XXXX XXXX the attorney for the collection agency sent me another letter claiming I owed them {$2400.00} and that I needed to provide more proof that I did n't owe! This company and their attorney are violating the Fair Debt and Collection Act, exercising malicious prosecution, and abuse of process! I have paid my debt now they need to leave me alone!
10/02/2017	Yes	Debt collection Private student loan debt	Took or threatened to take negative or legal action Threatened or suggested your credit would be damaged	AZ 85033	Web
to me in XXXX I made a verbal commitment to a XXXX XXXXl, I ended up sighing for it. When that was happening, I was going through a case, that could possibly lead to some jail time.. which it did end up leading to. I went to school for about XXXX week in a half before i had to go through custody. When I got out of jail, I tried to return to the school, the former lady that talked to me and got me to sign up etc., did n't accept me. XXXX years later, I find out they sent me to collections. My credit is perfect right now because I cleaned it, but I just found out I have a adjustment.. That adjustment effects my life on trying to grow with my family because I am a mother of XXXX kids now and I am trying to become a home owner but I ca n't, and I can figure out how and where to solve this.. and I 'm truly seeking for any help you can do for me. Thank you for your time
08/29/2022	Yes	Debt collection Other debt	False statements or representation Attempted to collect wrong amount	AZ 85029	Web
My father, Mother and myself were evicted on the date of XX/XX/2016 and just recently I noticed I was being garnished 25 % of my checks every two weeks and I was never informed I had moved and they sent it to the apartment complex even tho the XXXX I spoken with had the correct address then still decided to send it to where it showed I moved from and when I spoke with the miss again asking for a new copy I still havent received it. Then the miss proceeded to inform me that I owed roughly around XXXX dollars and once I pay that amount off I would have to go back to court and i would have to pay even more possible up to XXXX total and she kept telling me if I were to pay the amount of XXXX they would try and settle and after having lawyers and others look into my case and notifying me they correct amount it shows that I would is roughly about XXXX the company
01/21/2016	Yes	Debt collection Other (i.e. phone, health club, etc.)	Cont'd attempts collect debt not owed Debt is not mine	AZ 85345	Web
There is a collection agency for some apartments that i never lived at. I have disputed this account multiple time with no success. I have had the collect agency send me the information they had, which showed that the dates this apartment was leased, I was receiving unemployment. I contact unemployment and got my records from them and filed another dispute and submitted my unemployment documents to prove it was not me but still no success. XXXX has also contacted the collection agency with my documents but they will not remove it. I have contacted the collections agency asking what kind of steps I could take to get this removed and they told me to pay it. When I tried to explain to them the situation, they told me there was nothing i could do. This account on my credit is holding me back from so many things and i just need help getting it off please!
12/01/2023	Yes	Debt collection I do not know	Written notification about debt Didn't receive enough information to verify debt	ID 833XX	Web	Servicemember
This company has a debt listed on my credit report, I do not know what this debt is for. I request debt validation request by certified mail on XX/XX/23, delivered on XX/XX/23. I received no response from the company. I disputed the debt on XX/XX/23 with XXXX, they validated the debt as accurate with XXXX on XX/XX/23. I sent a second request for validation on XX/XX/23, they received and signed the letter on XX/XX/23. I received a response from the company by letter on XX/XX/23, stating they already validate the debt and refuse to send validation again. I have never received anything from this company, I am alleging they do not have proof that this debt belongs that's why they can not validate the debt. They have violated the FDCPA numerous times, my next complaint will be a lawsuit is Idaho. They need to remove this debt from credit report.
11/30/2017	Yes	Debt collection Other debt	False statements or representation Attempted to collect wrong amount	CA 92308	Web
I discovered a collection account reporting on my XXXX credit report. I disputed said account with the credit bureau. a few days later, I received a letter in the mail from U.S. Collections West.along with a few documents alleging that I owe over {$5000.00} said documents have been altered .the matter grossly misrepresented. the creditor actually owes me a refund of my security deposit. I have evidence the creditor breached the lease. .I called the agency and explained in detail that the debt is invalid.I have sent certified letters to both the original creditor and the collection agency explaining my position. the agency has since verified said account on my credit report.I may have to pursue legal action to resolve this matter as the agency refuses to investigate further or remove the illegal account.
02/13/2019	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt was already discharged in bankruptcy and is no longer owed	AZ 85143	Web
I have sent documentation to both parties, ( the original debtor " XXXX XXXX XXXX XXXX XXXX and US Collections West In. ) that the information that us west is reporting on my XXXX credit report is inaccurate and the debt was discharged in 2012 and is now being reported on my credit file filled with inaccuracies. The account in question had been previously stated on older credit reports as included in bankruptcy and now that statement has been unlawfully deleted/removed in the comment section of my credit report. It is now seven years later after being discharged in bankruptcy and they still refuse to follow the FCRA guidelines and are currently attempting to unlawfully collect on a debt, adding extra fees to the debt and refuse to acknowledge the fact that this is no longer a collectible debt.
06/29/2017	Yes	Debt collection Other debt	Written notification about debt Didn't receive enough information to verify debt	AZ 850XX	Web
U.S. Collections West, INC did not respond to everything I asked of them with the CFPB. I 've conducted some research on this company and in the state of Arizona this company is not Licensed, Bonded, and does not have a Certificate of Authority to collect in the state of Arizona. This is against the state and federal laws. According to the FDCPA : Under the Act, a debt collector communicating with persons other than the consumer for the purpose of acquiring location information about the consumer shall not : use any language or symbol on any envelope or in the contents of any communication effected by the mails or telegram that indicates that the debt collector is in the debt collection business or that the communication relates to the collection of a debt ; 28
06/12/2019	Yes	Debt collection Other debt	Took or threatened to take negative or legal action Threatened or suggested your credit would be damaged	VA XXXXX	Web
I received collection letters from U.S. Collections West, Inc. Each letter had a different amount listed of money owed. I contacted them to find out what the debt was for and why I had received letters stating different amounts being owed. I spoke to XXXX XXXX. She was very rude to me on the phone and hung up on me mid sentence when I was trying to dispute the validity of the debt. I requested documentation for money owed adding up to the total amount owed. She initially refused. Upon further argument she still refused to mail said documentation to me and claimed she would email me. I still have not received any documentation in regards to said money being owed. She threatened me with legal action and told me she would garnish my wages.
01/07/2020	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt is not yours	AZ 85382	Web
on XXXX we had a phone conversation ( XXXX ) XXXX with XXXX XXXX/Supervisor representative for US West Collection Agency. XXXX was able to determine that the account belong to XXXX XXXX and asked for a formal written notice with subject line " dispute acct # XXXX '' we did just that on XXXX XXXX promise to send a validation letter within 30 days. today is XXXX and we still have not received anytime type of correspondence other than he was on vacation and is waiting to hear back from their client. This has caused a major hardship on my credit and ask it to be removed immediately. original creditor : XXXX XXXX XXXX {$3400.00} Collections agency US Collections XXXX XXXX XXXX XXXX XXXX XXXX XXXX, AZ XXXX ( XXXX ) XXXX
07/30/2016	Yes	Debt collection Other (i.e. phone, health club, etc.)	False statements or representation Attempted to collect wrong amount	GA 30904	Web
US Collections West, INC. REPRESENTING THEIR CLIENT XXXX XXXX XXXX has sent me incomplete documentation of their claims. They have failed to provide the documentation that was sent to XXXX XXXX XXXX disputing their misrepresentation and bills. I am attaching that documentation. They have not provided my claims of misrepresenting the amount due and sent to collections. Attached is my email to their client disputing the withholding of my security deposit : 1. The Property Inspection Move IN Report. 2. REPAIRS requested at Move - In 3. Handy Dandy Move Out Packet with names, addresses, amount paid providers by me in compliance of cleaning and all work done to insure my deposit was returned in full.
03/04/2020	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt was result of identity theft	AZ 85210	Web
I have sent the debt collector us collections west proof that the debt that are trying to collect is not mine and was opened fraudulently in my name due to identity theft. I have sent them the police report by XXXX police department, identity theft report filed with the federal trade commission and they are asking for a detailed report from the police which does not exist. I have talked to the supervisor in charge of the financial crimes department at XXXX police and was told there is no follow up and case was not assigned to a detective. They need to stop collecting this debt as it is not mine. My credit is also frozen with all 3 major credit bureaus due to the identity theft that occurred
06/10/2019	Yes	Debt collection Other debt	False statements or representation Told you not to respond to a lawsuit they filed against you	AZ 85040	Web
Per your request, I closed my judgment open with you I regards to wrong debt. Debt has been paid since XXXX 2019. Now, US collections owes me an over payment of the debt. I have talked to a XXXX-something like that and his manager XXXX. I was informed that I would receive my credit balance back. This was in XXXX, it is now XXXX. I still have not received my credit balance refund. Where are my funds? I want the amount of the credit balance, how you came to that amount of the credit balance and where are my funds currently. I was informed many times I would get my credit balance funds back. Where are they? This is now the third month with no call from anyone from the company about my refund.
01/02/2019	Yes	Debt collection Other debt	Threatened to contact someone or share information improperly Contacted you instead of your attorney	AZ 85051	Web	Servicemember
On XX/XX/2019 at approximately XXXX XXXX ( AZ time ). US Collections West contacted me in an attempt to collect on a debt. I am currently in an active Chapter XXXX Bankruptcy. When I told the representative that he said that he got notice that my case was dismissed on XX/XX/XXXX. That is absolutely false. He went on to ask me if I would like to resolve the debt before he submits a wage garnishment. I told him that he can not do that do to the bankruptcy an his company never submitted a POC in regards to the debt. This company was properly notified from the courts in regards to my case. This is the second time that this company has violated the law when is come to how the collect on debt.
01/27/2020	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt was paid	AZ 85140	Web	Servicemember
U.S. Collections West has attempted to say I owe them {$1900.00} after receiving a letter dated XX/XX/2020. I received a prior letter dated XX/XX/2020 stating I owed {$1300.00}. I have attempted again multiple times to contact any representative from this company with no response. I have recieved a signed copy of " satisfaction of judgment '' from XXXX County Justice Court dated XX/XX/2020. This information was sent via email to the company with which no response was received. This company 's multiple attempts to say money is owed when it is not is clearly a violation of the law and shows the clear fraudulent behavior this company and its owner XXXX XXXX are willing to participate in.
09/03/2019	Yes	Debt collection Other debt	Took or threatened to take negative or legal action Sued you without properly notifying you of lawsuit	AZ 85042	Web
In XXXX of XXXX I received a letter of satisfaction from a court stating my debt was paid. A couple weeks later the company called stating I still owed and I said the court said that I do not owe anything as I received this letter of satisfaction. Later the agency called again stating they will garnish my wages if my debt is not paid. On XX/XX/XXXX I get a call from the Agency again so I went to let my HR know who was on the phone. She then shows me a letter from the courts with the " Garnishment of wages. '' I am unaware that the company is doing that or of any court dates. As well as I have my letter of satisfaction why am I still being sued for a debt I have paid off.
09/21/2023	Yes	Debt collection Rental debt	False statements or representation Attempted to collect wrong amount	AZ 85225	Web
As I began to repair my credit this this month XX/XX/2023, I disputed 2 collections from US COLLECTIONS WEST INC. They are from XXXX XXXX XXXX. Following the dispute update, the balance of both accounts has increased significantly. Also, why do they have two accounts with two different balances. The apartment complex never gave me a copy of the lease despite multiple requests when I was living there. Also, they added a month from the previous year that was paid for by a local XXXX for rental assistance. I don't understand how they can add a month that was paid for when they evicted me. Then when I attempt to dispute the charg, they raise the balance without reason.
10/15/2015	Yes	Debt collection Other (i.e. phone, health club, etc.)	False statements or representation Impersonated an attorney or official	AZ 85283	Web
US Collections West is attempting to collect more money than what they are lawfully entitled to collect. The owner of the debt agreed to accept {$1500.00} to settle the debt in full and US Collections West Owner XXXX XXXX refuses to honor the agreement and refuses to communicate with legal counsel for the defendant. He hangs up on consumers, yells at them, and tells them he will take them to court though he is not an attorney. XXXX implies he is a lawyer in every communication because he has been in debt collection for years but he is not abiding by the law and violates ethics rules by acting as an attorney - he even refuses to abide by his own client 's wishes.
08/02/2015	Yes	Debt collection Other (i.e. phone, health club, etc.)	Communication tactics Called after sent written cease of comm	AZ 85015	Web	Servicemember
I was told I was delinquent on rent and that I owed money for damages and cleaning fees from an apartment complex, XXXX, which I lived in last year. On XXXX XXXX, 2015 I provided the collections company, U.S. Collection West , Inc., a receipt from every month I lived there, showing that I paid rent every month. On XXXX XXXX, 2015 I asked them to not contact me regarding that debt since it is not valid. On XXXX XXXX, 2015 I received another letter from them dated XXXX XXXX, 2015 again asking me for money which I do not owe. Additionally, they contacted an associate of mine asking for my phone number, telling her they were calling from a collections company.
02/09/2016	Yes	Debt collection Other (i.e. phone, health club, etc.)	Cont'd attempts collect debt not owed Debt was paid	AZ 85298	Web	Servicemember
A Judgment was issued against me and garnishment occurred to satisfy the debt. Once the debt was fully satisfied, US Collections West continued to garnish my wages resulting in an over payment of the account. They refuse to return the over payment to me or credit it to the secondary account I have with them. Original judgement was {$1800.00}, they claimed interest of {$19.00} for a total due balance of {$1800.00}, they garnished a total of {$2200.00} resulting in credit of {$370.00} owed back to me. Please see attached original judgment amount, payment statements issued by the court outlining balance and interest due, and payoff letter from court.
10/25/2023	Yes	Debt collection Rental debt	Attempts to collect debt not owed Debt was already discharged in bankruptcy and is no longer owed	AZ 85351	Web
This organization is in violation of credit reporting-derogatory payments were reported during the pandemic, which i've endured XXXX and suffered also suffered a debilitating stroke-I had to relocate to an ENTIRELY different state to live with family and am now on XXXX. During that time I was hospitalized. and NOT working, and not even living there, I'm baffled as to why i would have to pay, apartment manager at the time was well aware of my situation. I have disputed through XXXX but they would not remove. Please see proof of medical documentation, XXXX and nutrition assistance. I have filed a complaint with the California Attorney general as well.
07/06/2023	Yes	Debt collection I do not know	Threatened to contact someone or share information improperly Talked to a third-party about your debt	AZ 85023	Web
On XX/XX/XXXX I received a call from XXXX from XXXX XXXX. She mentioned that a debt was trying to be collected for my spouse. She never really told me where she was calling from but she asked me if I was still employed by my main employer and what I understood about collections. She also proceeded to tell me that my husband told her that he had been fired and was in the heat waiting for the bus. My husband is employed with XXXX jobs and works day and night to support us. She was using intimidating, and deceptive language to collect the debt. Also this debt is supposedly from an apartment complex from XXXX. This was before I had met my spouse.
02/07/2020	Yes	Debt collection Other debt	Took or threatened to take negative or legal action Threatened to sue you for very old debt	AZ 85037	Web
This company has a judgement against me and is trying to sue me for an almost 7 years old debt I co-signed for back in XXXX of 2013. I was only XXXX at the time the I cosigned for the apartment which means the contract could be bad and I do not think this company even followed the right proceedings to obtain a judgement against me or if any of the right required elements to obtain a judgement against me particularly by default were followed or even fulfilled. I am also not sure if the lawyer, the one who sent the letter followed the appropriate laws in particular the FDCPA and this debt collection company as well.
08/28/2015	Yes	Debt collection Other (i.e. phone, health club, etc.)	Cont'd attempts collect debt not owed Debt is not mine	CO 80015	Web
I have made several attempts to obtain documents validating this debt from US Collections West. This debt is not valid, & I am not responsible for charges. US Collections West is being uncooperative and unhelpful in getting this resolved. I 've also gone as far as to reach out to the owners of the XXXX that managed the complex this debt derived from and have not received any assistance from them either. I 'm being held hostage credit worthiness-wise by this invalid debt and this is hindering my ability to rent or purchase a home rendering me practically homeless yet no one will help me resolve this.
09/29/2023	Yes	Debt collection Rental debt	Attempts to collect debt not owed Debt is not yours	GA 303XX	Web
XXXX XXXX gave another company by the name of Us Collections west, Inc my personal information and account balance and now the third-party company is trying to collect a debt I do not owe them. The third-party company Us collections west created an account that is not mine and does not belong to me. The third-party company was not able to validate the debt upon my request per 15 USC 1681. I have requested the company to remove the derogatory accounts and they refused. I also paid them {$2000.00} without realizing the account does not belong to me. They failed to comply with any requests I have made
07/30/2018	Yes	Debt collection Other debt	Communication tactics Used obscene, profane, or other abusive language	AZ 85286	Web
On XX/XX/2018 united west collections contacted me and was very angry that I made a complaint w cfpb. I was yelled out I was told incorrect things I continued to tell the male rep that I never received information about this debt. That by law I should have been given a letter detailing this debt before it was put on my credit report. He insisted some computer generated 3rd party agency sent the original letter BUT he had no date or postal verification Stop this company from harassing me, stop them from not following the law, and remove his erroneous collection from my credit report
09/29/2022	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt was result of identity theft	AZ 85021	Web
I have never lived at the apartment that is saying I owe this debt to. I have told numerous collection agencies that they have sold my debt to that I am a victim of Identity theft and that said agency removes the debt. I have never lived at this address I have never walked into this apartment complex and handed them my Identification to obtain an apartment. They allowed someone to apply online and move in without ever having to show proof of Identity in person. That person was NOT me! This is not my debt!! This apartment or rental agency failed to protect my identity.
07/24/2021	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt was paid	ID 837XX	Web
There was a small loans dispute that I entered into with XXXX XXXX/XXXX XXXX, it ended up going to mediation and I have the decree that states " All parties have agreed to fully resolve all issues and release each other from all claims ''. I have shown the collections company this mediation document and they refuse to remove it off my credit. The collections name is US collections west They are requesting {$930.00}. Contact information for them is XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX AZ XXXX Please contact me if you need to view this court document.
11/10/2016	Yes	Debt collection Other (i.e. phone, health club, etc.)	Cont'd attempts collect debt not owed Debt was discharged in bankruptcy	AZ 85388	Web	Servicemember
this debt was paid in full as of XX/XX/2016 thru payroll garnishment as of XX/XX/2016 the garnishment started back up I called to collection agency and the rep was so rude and condisending I ask her how much do I owe she told me XXXX I offered to pay that on the spot to clear this up she then stated she does n't know if that will stop the garnishment because intrest is being added to the account ... this is fraud I was court ordered to pay a set amount but every time I call its a different amount and never can get a straight honest honest about my account
03/27/2023	Yes	Debt collection Other debt	Took or threatened to take negative or legal action Threatened or suggested your credit would be damaged	AZ 85015	Web
XXXX 2023 received calls from collection agent who threatened to sue and freeze bank accounts if any in my name. Also the apartments that put this eviction knew I was moving out due to lease was up and I had no funds to continue the new lease. XXXX XXXX XXXX XXXX was involved with helping with my rent before my lease was up. Lease was completed and manager knew I was about to be homeless with my children. I just recently got my section 8 voucher this month of XX/XX/2023. And the eviction is also their XX/XX/2023.
07/08/2017	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt is not yours	AZ XXXXX	Web
This company ( US Collection West ), which I hold no contract with nor have received services from, reported a collection account against my SSN in the amount of {$1900.00} with XXXX, XXXX, and XXXX credit reporting agencies. I requested verification of the debt and account however the business failed to provide adequate proof. Considering this business does not have a contract with me for goods or services they have provided nor have they provided adequate proof I am not obligated to pay for the alleged debt.
01/22/2020	Yes	Debt collection I do not know	Took or threatened to take negative or legal action Threatened to sue you for very old debt	AZ XXXXX	Web
- My credit report was falsely accessed and without legal authorization twice with inquires placed on my file thus lowering my credit score and hindering my families way of life from XXXX XXXX XXXX XXXX Other Collection Agencies Inquiry date : XX/XX/XXXX Removal date : XX/XX/XXXX Contact info XXXX XXXX XXXX XXXX XXXX XXXX, AZ XXXX ( XXXX ) XXXX XXXX XXXX XXXX XXXX Other Collection Agencies Inquiry date : XX/XX/XXXX Removal date : XX/XX/XXXX Contact info XXXX XXXX XXXX XXXX XXXX XXXX, AZ XXXX ( XXXX ) XXXX
06/16/2022	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt was already discharged in bankruptcy and is no longer owed	AZ 85086	Web
www.uscollectionswest.com The U.S. Centers for Disease Control and Prevention ( CDC ), at the direction of the President, filed an Order in the Federal Register to temporarily halt residential evictions to prevent the further spread of COVID-19. The Order, which went into effect on XX/XX/XXXX, temporarily bars evictions of certain qualified renters in residential housing until XX/XX/2020. These people are collecting a debt incurred during the pandemic and ignored all of the laws in place at the time.
05/16/2022	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt was already discharged in bankruptcy and is no longer owed	AZ 850XX	Web
Debt was collected due to a lease impacted under the COVID-19 pandemic. The start of the pandemic congress passed the CARES ( Coronavirus Aid, Relief, and Economic Security ) Act, which prevented landlords of certain residences nationwide from evicting tenants from XX/XX/XXXX to XX/XX/XXXX. The protections were actually extended for over a yearuntil the Supreme Court decision ended it in XXXX, XXXX. My lease was affected under the dates and left the premises during the moratorium effective dates.
08/08/2016	Yes	Debt collection I do not know	Disclosure verification of debt Right to dispute notice not received	AZ 85283	Web
( US Collections West Inc ) his company did not provide me with notice of any debt being filed. I have not received anything in the mail and they are garnishing my wages or trying to collect a debt. If they knew where I work, they should have my address and could 've sent me something. I have requested multiple times for proof of this owed debt and have received nothing. I do not owe this debt. This debt does not appear on any credit report, except XXXX and I filed a dispute with them.
10/11/2017	Yes	Debt collection Other debt	Written notification about debt Didn't receive notice of right to dispute	AZ 851XX	Web
This is my 3rd complaint with this company. 1 complaint filed with XXXX and 2 with cfpb. I 've requested multiple times for this company to validate this debt. They claim they sent me a letter a few years ago and one recently. I filled for investigation on this company in XX/XX/XXXX. Its been over a month. They have made no attempts to reach out to me. I recently denied a line of credit due to unverified account being reported that i was unaware of. Im extremely frustrated at this point.
01/31/2017	Yes	Debt collection Other (i.e. phone, health club, etc.)	Cont'd attempts collect debt not owed Debt was discharged in bankruptcy	IL 60193	Web
I filed Bankruptcy XX/XX/2010. I recently noticed a new collection on my credit bureau. I dispute the collection. I started receiving collection notices demanding payment of {$1000.00}. I explained this lease was included in Bankruptcy. U.S. Collections West, Inc. refused to take down my bankruptcy information. I do n't owe it. It 's been over the statue of limitations in Arizona to collect on this and it was included in Bankruptcy. They are reporting to my credit and it not a true debt.
06/10/2021	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt was result of identity theft	AZ 85202	Web
Account Name : XXXX Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$110.00} Reason : Identity theft Please remove this from my credit report. Account Name : XXXX XXXX XXXX IN Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$130.00} Reason : Identity theft Please remove this from my credit report. Account Name : XXXX XXXX XXXX IN Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$0.00} Reason : Identity theft Please remove this from my credit report.
12/31/2017	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt is not yours	AZ 85051	Web
I spoke to a collector there by the name of XXXX on XXXX-2017 at XXXX XXXX at ( XXXX ) XXXX in regards to account collector did not give mini miranda at begining of call was very rude i told her account was to be removed from my report it was not a valid debt apartment was full of roaches and complex let me leave with no fees owed. XXXX said she did not care she was going to garnish my wages with no valid judgement and keep reporting account another 7 years then hung up on me
06/08/2022	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt is not yours	AZ 85042	Web
I have contacted U.S Collections West on XX/XX/2022 and XX/XX/2022 through mail, requesting a binding contract between me, XXXX XXXX and U.S. Collections, which has not been provided. I also requested proof of authorized consent from XXXX XXXX, me given to U.S. Collections to access and damage my credit report. This has not been provided as well. This company refuse to remove from my credit report and is fraudulently attempting to collect debt with no binding contract.
11/16/2022	Yes	Debt collection Other debt	Took or threatened to take negative or legal action Sued you without properly notifying you of lawsuit	AZ XXXXX	Web
US COLLECTIONS IS GARNISHING ME AND MY XXXX DAUGHTER PAYCHECK AND NOT REPORTING IT TO MY CREDIT BUREAU ITS ON MY CREDIT I HAD NO IDEA THIS WAS GOING ON XXXX MY JOB TOLD ME THEM I WAS SENT A COURY DATE OF GARNISHMENT CAN YOU PLEASE HELP I DON'T KNOW IF I SHOULD TALK TO A LAWYER ABOUT WHATS GOING ON I TRIED TO LET THE COURYS KNOW AND THE COURTS TOLD ME TO CONTACT US WEST COLLECTIONS AND THEY HAD THE SAME EMAIL AS THE COURT HOUSE AND TOLD ME THERE IS NOTHING WE CAN DO.
05/18/2019	Yes	Debt collection Other debt	False statements or representation Attempted to collect wrong amount	AZ 85029	Web
Leasing agent evicted me XXXX XXXX for non payment of rent in the amount of {$850.00}. The leasing agent would not honor the rental payment, late fees, and or court cost filing fees that was submitted by " XXXX XXXX and XXXX XXXX ''. In which the check in the amount of {$2600.00} the leasing agent cashed, kept, and put into her pocket book. And I have not been able to utilize their/there agency for " extra additional services and or assistant ( s ).
01/15/2020	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Account information incorrect	AZ 85051	Web
US Collections West is reporting to all three credit bureaus that I owe them a balance of {$670.00}. I never engaged in any business affairs with US Collections West. I disputed it previously and both the company and the credit bureaus never provided me with a signed contract with US Collections West with my signature. A collection bill is not a validation of debt and I have a right to be provided with proof of my direct business affairs with them.
10/12/2019	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Improper use of your report Credit inquiries on your report that you don't recognize	AZ 85021	Web
Inquiry placed on my credit XX/XX/19. Called in and spoke with XXXX, she took my First, Last Name and last four of SSN before transferring me to XXXX, voicemail left, called again XXXX informed me she was just a switch board operator when I asked her what the company did or sold trying to figure out why my credit was ran. XXXX then transferred me to XXXX, no answer, and no current answers as to why my credit was ran and what the company is.
09/11/2015	Yes	Debt collection Other (i.e. phone, health club, etc.)	Communication tactics Frequent or repeated calls	AZ 85298	Web	Servicemember
U.S. Collections west contacted me at the place where I rent out a space for employment. Once then identified themselve I asked them to not contact me at that number, I provided a contact number with my home address where I can be reached. This was on or about the XXXX of XXXX. I then receive a letter on the XXXX of XXXX for this debt to my place of employment. Now where I rent the space of for my employment is in jeopardy because of this.
05/14/2015	Yes	Debt collection Other (i.e. phone, health club, etc.)	Disclosure verification of debt Right to dispute notice not received	AZ 85295	Web	Servicemember
I moved out of XXXX XXXX Apartments and spoke with the office manager. She stated I did n't owe anything. 3 months later, I got a letter stating that I owed an amount from them ( do n't have the letter ). I contacted them. Received an email stating that I owe {$570.00}, but was not notified via regular mail. Six months after, I received a letter from the collections agency stating that I owe {$870.00}. I have attached all documents.
07/09/2023	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt is not yours	AZ 85029	Web
This FRAUDULENT account has caused me, a XXXX XXXX XXXX XXXX, to LOSE OUR HOME due to not being able to be approved for our lease renewal. I have tried to contact the company and dispute multiple times and have received no response. They have also ILLEGALLY THREATENED LEGAL ACTION for a FRAUDULENT DEBT. If the account is not removed from my credit report immediately I WILL FILE A LAWSUIT for a MINIMUM of {$30000.00} in damages.
08/25/2015	Yes	Debt collection I do not know	Improper contact or sharing of info Talked to a third party about my debt	AZ 85022	Web
All of the above. They were previously required to not contact me by phone. They have contacted people we know, employers, landlords even before initiating contact with us. They ask questions of minor children, talk to whomever answers our phone and ask for work phone numbers. Tell people it is debt collection and threatened me personally with regard to " digging into my personal background and history no matter what length ''.
10/13/2021	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Account information incorrect	AZ 85283	Web
I recently came to a settlement agreement with company " US COLLECTIONS WEST ''. Part of the agreement was that US COLLECTIONS WEST would delete this account from my credit reporting after my payment successfully went through. Well, my payment went through and it has been over 30 days and it is still reporting on my credit. This account needs to be deleted asap! Please see the attached settlement agreement.
04/08/2019	No	Debt collection Mortgage debt	Attempts to collect debt not owed Debt was paid	AZ 85283	Web
Judgment for XXXX per court order was satisfied in XXXX of 2018. Ive been harassed ever since then by the collection company and the attorney. I have not received my satisfaction of judgment and this is still on my credit report preventing me from purchasing my new home. Ive had to block the collection agencys number from calling my cell. He was also calling my work phone harassing me.
11/14/2018	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Problem with a credit reporting company's investigation into an existing problem Difficulty submitting a dispute or getting information about a dispute over the phone	AZ 85335	Web
The contract related to the account has been cancelled and is unverifiable please validate this information with the company and provide me copies and documents associated with the account bearing my signature for such charges.I am not liable for any and all 3rd party bill collection accounts as the original creditor has already been paid for such losses through insurance and taxation.
07/16/2021	Yes	Debt collection Other debt	Communication tactics You told them to stop contacting you, but they keep trying	AZ 85308	Web	Servicemember
They called and told me all information without verifying they were speaking with the correct individual they gave information about the debt without giving the mini Miranda I have not received a validation letter when they called a week ago I advised I filed bankruptcy and not to call and now they called again using the same full disclosure without verifying me
01/25/2018	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt is not yours	AZ 85260	Web
US Collections West is currency reporting on my credit report fraudulently in the amount of {$2400.00} as of XXXX XXXX, 2018. Ive made several attempts notifying them that this account needs to be deleted. I obtained documentation from XXXX XXXX Courts stating that the file was destroyed and I owe {$0.00}. The documentation will be attached to this complaint.
06/13/2019	Yes	Debt collection Other debt	Communication tactics You told them to stop contacting you, but they keep trying	AZ 85009	Web
I am a XXXX XXXX of a company here in XXXX, AZ. I had a collection agency call for XXXX employee who i sub contracted from time to time. I explained several times that the customer/debtor was not here and that she had filed BK. Since then they have called back several different times after I asked not to call. I don have 2 recordings of conversations.
12/29/2018	Yes	Debt collection Other debt	False statements or representation Attempted to collect wrong amount	AZ 85301	Web
I lived in the apartment complex in XX/XX/XXXX this debt is saying that it was opened in XX/XX/XXXX and after I disputed the the debt they doubled the amount owed! I have attempted contact them by phone multiple times with no response! I am not sure what to do to get this issue resolved and I really need some assistance with getting this resolved.
03/22/2018	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt is not yours	AZ 85015	Web
On XX/XX/2012, a collection was opened with US COLLECTIONS WEST IN. I got a derogatory mark on my XXXX credit report stating that this account got sent to collections. However, I was never notified about this debt and never received the bill. I would like to address this immediately and have this negative remark removed from my credit report.
08/23/2019	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Account information incorrect	AZ 85020	Web
I made a disputed against a collection item - XXXX XXXX apartments - collection agency: u.s. collections west, inc. - but it is showing in my report that I am responsible and owe the balance XXXX - my dispute against this account was approved and the collection agency confirmed it shows that I am not liable.
10/07/2016	Yes	Debt collection Other (i.e. phone, health club, etc.)	False statements or representation Attempted to collect wrong amount	ID 83706	Web
My sister and I rented an apartment from XXXX, after our lease was up we attempted to get our security deposit back. They refused and said we owed a lot of money. I took them to court and they settled with a payment to me for {$500.00}. ( Almost all of my deposit ) Then they submitted a bill to collections.
01/12/2018	Yes	Debt collection I do not know	Took or threatened to take negative or legal action Threatened or suggested your credit would be damaged	AZ 85323	Web
disputed unknown collection account with XXXX no response from agency but confirmed valid on credit report. sent letter to agency no reply, looked up company to discover they are not licensed. yet pursue collections and report XXXX is owed without any evidence.I do not believe any such account is valid.
07/02/2021	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt is not yours	AZ 85021	Web
U.S collection West, inc is trying to collect a debt that I do not owe. They are trying to collect {$1700.00} as of XXXX XXXX. They believe that I owe money to XXXX XXXX XXXX in the year from XXXX, however I never lived in those apartments.I have information stating where I live in XXXX and XXXX
09/20/2020	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt is not yours	NV 89141	Web
I have disputed this account from US Collections West IN ( Original Creditor : XXXX XXXX XXXX XXXX DBA ) for the amount {$1200.00} on XX/XX/2020, and XX/XX/2020, with both the bureaus and the collection company and still have not received any letter or responses that I actually owe this debt.
08/25/2021	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	AZ 85203	Web
On XXXX Disputed this account I have no knowledge of. I have disputed online, mail, phone and also have a dismissal letter I sent a never served or informed of any courtdate. They have yet to even respond other than XXXX saying they validated the debt but how? And where are my copies?
08/19/2015	Yes	Debt collection I do not know	Cont'd attempts collect debt not owed Debt is not mine	TX 77511	Web
I noticed a collection on my credit report I did not recall or remember. I sent them XXXX letters and they just simply sent me a response stating I owe them the debt. Tried calling and the number was disconnected. Tried disputing with the credit bureaus and having little luck there.
05/05/2017	No	Debt collection Other debt	False statements or representation Attempted to collect wrong amount	AZ 85301	Web
A judgment was rendered and satisfied. US COLLECTIONS WEST Address : XXXX XXXX XXXX XXXX XXXX , AZ XXXX Phone : ( XXXX ) XXXX Is still pursuing additional money, which I strongly feel is NOT due to them after their attorney collected money from me.
03/09/2018	Yes	Debt collection Other debt	Written notification about debt Didn't receive enough information to verify debt	AZ 85286	Web
I was never sent any documentation or validation notice of this debt. That is against the law. The creditor has broken the law and this DEBT needs to be REMOVED from my credit report ASAP. This DEBT is not mine and NO attempt has been made to validate this debt.
11/18/2021	Yes	Debt collection Other debt	Communication tactics Used obscene, profane, or other abusive language	AZ 85043	Web
I called this company XXXX XXXX XXXX due to receiving a garnishment. Once I got nowhere with the agent I asked to speak with a manger and I was very upset, I agent laughed at me and never transferred me to a supervisor after I asked him repeatedly.
05/28/2020	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt was paid	AZ 85225	Web
There was an incident at the apartment complex. The complex fined several tenants and attempted to evict me Ive went to court because reported fees were incorrect, Ive paid them and they havent removed themselves from my credit reports
11/09/2016	Yes	Debt collection Other (i.e. phone, health club, etc.)	False statements or representation Attempted to collect wrong amount	AZ XXXXX	Web
US Collection Wwst company continues to report a false collection account to XXXX BOTH XXXX AND US COLLECTIONS HAVE FAILED TO PROVIDE VALIDATION OF DEBT AFTER THREE CERTIFIED LETTERS HAVE BEEN MAILED TO BOTH COMPANIES SINCE 2015.
03/27/2022	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt was result of identity theft	AZ 85006	Web
This debt collection has been on my report for quite some time now, going on 6 years and I dont believe its fair & it is illegal. I want it removed from all credit bureaus as a soon as possible if I guys can help me.
02/14/2018	Yes	Debt collection Private student loan debt	Took or threatened to take negative or legal action Threatened or suggested your credit would be damaged	AZ 85023	Web	Servicemember
US West Collections did a hard inquiry on my credit without consent. Illegal ... .. Identity fraud. This agency refuses to communicate in regards to my complaint. US West Collections XXXX. XXXX XXXX XXXX, AZ XXXX
06/04/2020	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Public record information inaccurate	AZ 85379	Web
The contract related to this account is unverifiable canceled and or has been paid by insurance by law I am not liable for any third party debt collection as the original creditor has already been paid.
07/09/2022	Yes	Debt collection Other debt	False statements or representation Attempted to collect wrong amount	AZ 85086	Web
Company attempting to collect a debt during the moratorium of the COVID-19 pandemic. I never said that I was under bankruptcy protection and they are misrepresenting information relates to me.
10/15/2021	Yes	Debt collection Other debt	Communication tactics Frequent or repeated calls	SC 29732	Web
I went through proper channels and submitted a dispute for this item to all three credit bureaus and immediately was contacted by the debt collector and harassed about submitting the dispute.
08/05/2021	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt was result of identity theft	AZ 85019	Web
Account Name : US COLLECTIONS WEST IN Account Number : XXXX Date Opened : XX/XX/2018 Balance : {$0.00} Reason : Identity theft Please remove it from my credit report
03/14/2021	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Problem with a credit reporting company's investigation into an existing problem Investigation took more than 30 days	AZ 85742	Web
I have filed a dispute in regards to the incorrect items on my credit report. It has been well over 30 days and I haven't received any investigation results.
05/02/2015	Yes	Debt collection Other (i.e. phone, health club, etc.)	Disclosure verification of debt Right to dispute notice not received	MI 490XX	Web
I never received a dunning notice from US Collections West. Upon request for validation US Collections West did not provide the requested documentation.
05/16/2022	Yes	Debt collection Other debt	False statements or representation Attempted to collect wrong amount	AZ 850XX	Web
This company is trying to collect a debt from a company that no longer exist and that is a place that rents accomodations by month.
07/28/2023	Yes	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	AZ 85282	Web
The report does not state any of my current information that i can see.
05/18/2020	Yes	Debt collection Other debt	False statements or representation Told you not to respond to a lawsuit they filed against you	AZ 852XX	Web
Had court hearing on this matter was shown favor of court and dismissed
07/14/2020	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt was result of identity theft	CA 90027	Web
I have not signed a contract with this creditor.
01/25/2024	Yes	Debt collection Other debt	False statements or representation Attempted to collect wrong amount	AZ 85338	Web

01/02/2024	Yes	Debt collection Rental debt	Attempts to collect debt not owed Debt was result of identity theft	AZ 85395	Web	Servicemember

01/01/2024	Yes	Debt collection Rental debt	Attempts to collect debt not owed Debt was paid	AZ 85019	Web

10/05/2023	Yes	Debt collection Rental debt	Attempts to collect debt not owed Debt is not yours	TX 78253	Web

10/04/2023	Yes	Debt collection Rental debt	Attempts to collect debt not owed Debt is not yours	AZ 85326	Web

08/29/2023	Yes	Credit reporting or other personal consumer reports Credit reporting	Improper use of your report Reporting company used your report improperly	CA 95340	Web

07/28/2023	Yes	Debt collection Other debt	False statements or representation Attempted to collect wrong amount	WA 98363	Web

07/03/2023	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Problem with a credit reporting company's investigation into an existing problem Their investigation did not fix an error on your report	CA 95340	Web

06/28/2023	Yes	Debt collection I do not know	Took or threatened to take negative or legal action Sued you without properly notifying you of lawsuit	AZ 85037	Web

05/04/2023	Yes	Debt collection Mortgage debt	Attempts to collect debt not owed Debt was result of identity theft	AZ 85122	Web

05/04/2023	Yes	Debt collection Mortgage debt	Attempts to collect debt not owed Debt was result of identity theft	AZ 85122	Web

04/05/2023	Yes	Debt collection Other debt	Written notification about debt Didn't receive enough information to verify debt	AZ 85283	Web

03/28/2023	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Problem with a credit reporting company's investigation into an existing problem Their investigation did not fix an error on your report	CA 95340	Web

03/28/2023	Yes	Debt collection Other debt	Written notification about debt Didn't receive enough information to verify debt	AZ 85069	Web

03/22/2023	Yes	Debt collection Mortgage debt	Attempts to collect debt not owed Debt was paid	AZ 85069	Web

03/19/2023	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Improper use of your report Reporting company used your report improperly	NV 89104	Web

03/19/2023	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	AZ 85339	Web

03/19/2023	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt was paid	AZ 85323	Web

02/11/2023	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt was result of identity theft	AZ 85069	Web

11/29/2022	Yes	Debt collection Other debt	Took or threatened to take negative or legal action Threatened or suggested your credit would be damaged	MN 56716	Web

11/09/2022	Yes	Debt collection Other debt	Took or threatened to take negative or legal action Threatened or suggested your credit would be damaged	CA 94591	Web

06/08/2022	Yes	Debt collection Other debt	Took or threatened to take negative or legal action Threatened or suggested your credit would be damaged	AZ 85087	Web

05/17/2022	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Problem with a credit reporting company's investigation into an existing problem Their investigation did not fix an error on your report	AZ 85008	Web	Servicemember

05/17/2022	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Problem with a credit reporting company's investigation into an existing problem Their investigation did not fix an error on your report	AZ 85008	Web	Servicemember

12/22/2021	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt is not yours	NV 89141	Web

12/17/2021	Yes	Debt collection Other debt	False statements or representation Attempted to collect wrong amount	AZ 85018	Web

11/17/2021	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt is not yours	AZ 85207	Phone

11/06/2021	Yes	Debt collection I do not know	False statements or representation Attempted to collect wrong amount	AZ 85353	Web

09/10/2021	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt was result of identity theft	AZ 85019	Web

09/01/2021	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt is not yours	FL 32801	Postal mail

07/14/2021	Yes	Debt collection Other debt	False statements or representation Attempted to collect wrong amount	AZ 85283	Web

07/14/2021	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt was result of identity theft	AZ 85283	Web

06/22/2021	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt was result of identity theft	AZ 85323	Web

05/21/2021	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Problem with a credit reporting company's investigation into an existing problem Problem with personal statement of dispute	AZ 85283	Web

03/17/2021	Yes	Debt collection I do not know	Communication tactics Frequent or repeated calls	CO 81504	Web

03/01/2021	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt is not yours	AZ 85281	Web

12/09/2020	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Problem with a credit reporting company's investigation into an existing problem Difficulty submitting a dispute or getting information about a dispute over the phone	AZ 85225	Web

12/09/2020	Yes	Debt collection Other debt	Communication tactics Frequent or repeated calls	CO 80129	Web

12/01/2020	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt was result of identity theft	AZ 85339	Web

11/11/2020	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt was paid	AZ 85032	Web

11/10/2020	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	AZ 85226	Web	Servicemember

09/02/2020	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	AZ 85016	Web

08/27/2020	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt is not yours	AZ 85027	Web

06/26/2020	Yes	Debt collection Other debt	False statements or representation Attempted to collect wrong amount	AZ 85299	Web

05/15/2020	Yes	Debt collection I do not know	Took or threatened to take negative or legal action Threatened or suggested your credit would be damaged	AZ 85282	Web

05/08/2020	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt was paid	CA 92399	Web

02/15/2020	Yes	Debt collection Other debt	Written notification about debt Didn't receive enough information to verify debt	NV 89113	Web

12/26/2019	Yes	Debt collection Other debt	Written notification about debt Didn't receive enough information to verify debt	AZ 85244	Phone

12/18/2019	Yes	Debt collection Other debt	Written notification about debt Didn't receive enough information to verify debt		Phone

10/04/2019	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt was paid	MT 59404	Postal mail

09/24/2019	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt was paid	AZ 85257	Web

09/09/2019	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt was paid	AZ 85283	Web

08/13/2019	Yes	Debt collection Other debt	Written notification about debt Didn't receive enough information to verify debt	AZ 85041	Referral

04/09/2019	Yes	Debt collection Other debt	Took or threatened to take negative or legal action Sued you without properly notifying you of lawsuit	AZ 85017	Web

03/13/2019	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Problem with a credit reporting company's investigation into an existing problem Problem with personal statement of dispute	CA 92054	Web

03/08/2019	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt is not yours	AZ 85064	Web

03/06/2019	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt is not yours		Phone

02/27/2019	Yes	Debt collection I do not know	Written notification about debt Didn't receive enough information to verify debt	NV 89121	Web

01/31/2019	Yes	Debt collection Mortgage debt	False statements or representation Attempted to collect wrong amount	CA 92123	Web

01/10/2019	Yes	Debt collection Other debt	Communication tactics You told them to stop contacting you, but they keep trying	AZ 85140	Web

01/04/2019	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt is not yours	AZ 85392	Web

12/12/2018	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt is not yours	AZ 85392	Web

11/09/2018	Yes	Debt collection Other debt	Written notification about debt Didn't receive enough information to verify debt		Phone

10/10/2018	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt was paid	AZ 85201	Web

09/28/2018	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt was result of identity theft	CA 95726	Phone

09/24/2018	Yes	Debt collection Other debt	Written notification about debt Didn't receive notice of right to dispute	AZ 85140	Web	Servicemember

07/06/2018	Yes	Debt collection Other debt	Written notification about debt Didn't receive notice of right to dispute	AZ 85042	Web

05/14/2018	Yes	Debt collection Auto debt	False statements or representation Attempted to collect wrong amount	AZ 85282	Web

03/13/2018	No	Debt collection Other debt	Written notification about debt Didn't receive enough information to verify debt	AZ 85323	Postal mail

02/22/2018	Yes	Debt collection Other debt	False statements or representation Attempted to collect wrong amount	AZ 85064	Web

02/22/2018	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Account information incorrect	AZ 85034	Web

02/21/2018	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Improper use of your report Credit inquiries on your report that you don't recognize	AZ 85015	Web

02/13/2018	Yes	Debt collection Other debt	Took or threatened to take negative or legal action Threatened or suggested your credit would be damaged	AZ 85379	Web

02/09/2018	Yes	Debt collection Medical debt	False statements or representation Attempted to collect wrong amount	AZ 85282	Web

11/03/2017	Yes	Debt collection Other debt	Written notification about debt Didn't receive enough information to verify debt	AZ 85383	Postal mail

10/04/2017	Yes	Debt collection Other debt	Written notification about debt Didn't receive notice of right to dispute	AZ 85123	Web

03/13/2017	Yes	Debt collection Other (i.e. phone, health club, etc.)	Disclosure verification of debt Not given enough info to verify debt	TX 79821	Fax

03/06/2017	Yes	Debt collection Other (i.e. phone, health club, etc.)	False statements or representation Attempted to collect wrong amount	AZ 85003	Web

02/23/2017	Yes	Debt collection Other (i.e. phone, health club, etc.)	Disclosure verification of debt Not given enough info to verify debt	AZ 85023	Postal mail

02/18/2017	Yes	Debt collection I do not know	Disclosure verification of debt Right to dispute notice not received	AZ 85251	Web

02/03/2017	Yes	Debt collection Other (i.e. phone, health club, etc.)	Cont'd attempts collect debt not owed Debt was paid	AZ 85012	Web

01/19/2017	Yes	Debt collection Other (i.e. phone, health club, etc.)	Disclosure verification of debt Not given enough info to verify debt	AZ 85029	Postal mail

10/30/2016	Yes	Credit reporting	Incorrect information on credit report Account status	AZ 85063	Web

10/22/2016	No	Debt collection Other (i.e. phone, health club, etc.)	False statements or representation Attempted to collect wrong amount	AZ 85143	Web

09/22/2016	Yes	Debt collection Other (i.e. phone, health club, etc.)	Cont'd attempts collect debt not owed Debt was discharged in bankruptcy	VA 23111	Web

08/03/2016	Yes	Debt collection Other (i.e. phone, health club, etc.)	Cont'd attempts collect debt not owed Debt was paid	AZ 85027	Web

07/14/2016	Yes	Debt collection I do not know	Disclosure verification of debt Right to dispute notice not received	GA 30904	Web

05/18/2016	No	Debt collection Other (i.e. phone, health club, etc.)	Cont'd attempts collect debt not owed Debt was paid	AZ 85225	Postal mail

04/29/2016	Yes	Debt collection Other (i.e. phone, health club, etc.)	Communication tactics Threatened to take legal action	AZ 85283	Web	Servicemember

04/28/2016	Yes	Debt collection Other (i.e. phone, health club, etc.)	Cont'd attempts collect debt not owed Debt is not mine	CA 92101	Web

03/07/2016	Yes	Debt collection Other (i.e. phone, health club, etc.)	Improper contact or sharing of info Talked to a third party about my debt	AZ 85022	Web

03/07/2016	Yes	Debt collection Other (i.e. phone, health club, etc.)	Cont'd attempts collect debt not owed Debt was paid	AZ 85022	Web

02/26/2016	Yes	Debt collection Other (i.e. phone, health club, etc.)	Communication tactics Used obscene/profane/abusive language	NM 87313	Web

01/22/2016	Yes	Debt collection Other (i.e. phone, health club, etc.)	False statements or representation Indicated committed crime not paying	MA XXXXX	Web

01/13/2016	Yes	Debt collection I do not know	Cont'd attempts collect debt not owed Debt is not mine	AZ 85296	Web

11/24/2015	Yes	Debt collection Other (i.e. phone, health club, etc.)	False statements or representation Attempted to collect wrong amount	MI 48331	Web

11/20/2015	Yes	Debt collection Other (i.e. phone, health club, etc.)	False statements or representation Impersonated an attorney or official	CA 95037	Web

11/18/2015	Yes	Debt collection Other (i.e. phone, health club, etc.)	Cont'd attempts collect debt not owed Debt resulted from identity theft	AZ 85012	Phone

07/01/2015	Yes	Debt collection Other (i.e. phone, health club, etc.)	False statements or representation Attempted to collect wrong amount	MO 63123	Postal mail

06/19/2015	Yes	Debt collection Other (i.e. phone, health club, etc.)	Communication tactics Used obscene/profane/abusive language	AZ 85335	Web

05/29/2015	Yes	Debt collection I do not know	Disclosure verification of debt Not given enough info to verify debt	AZ 85044	Web

05/23/2015	Yes	Debt collection I do not know	Disclosure verification of debt Not given enough info to verify debt	AZ 85044	Web

05/19/2015	Yes	Debt collection Credit card	False statements or representation Attempted to collect wrong amount	CA 91387	Phone

05/18/2015	Yes	Debt collection I do not know	Cont'd attempts collect debt not owed Debt is not mine	FL 34733	Web	Servicemember

04/13/2015	Yes	Debt collection Other (i.e. phone, health club, etc.)	Cont'd attempts collect debt not owed Debt was paid	AZ 85259	Web

04/11/2015	Yes	Debt collection Other (i.e. phone, health club, etc.)	Cont'd attempts collect debt not owed Debt is not mine	AZ 85224	Web

03/01/2015	Yes	Debt collection Other (i.e. phone, health club, etc.)	False statements or representation Attempted to collect wrong amount	AZ 85298	Web	Servicemember

02/26/2015	Yes	Debt collection Other (i.e. phone, health club, etc.)	Improper contact or sharing of info Contacted employer after asked not to	AZ 85083	Web

02/18/2015	Yes	Debt collection Other (i.e. phone, health club, etc.)	False statements or representation Attempted to collect wrong amount	AZ 85335	Web

02/17/2015	Yes	Debt collection I do not know	Cont'd attempts collect debt not owed Debt is not mine	AZ 85381	Web

01/23/2015	Yes	Debt collection I do not know	Cont'd attempts collect debt not owed Debt is not mine	AZ 85234	Web	Older American

01/06/2015	Yes	Debt collection I do not know	Communication tactics Frequent or repeated calls	CA 93543	Phone	Older American, Servicemember

12/23/2014	Yes	Debt collection I do not know	Cont'd attempts collect debt not owed Debt is not mine	HI 96727	Web	Older American

10/19/2014	Yes	Debt collection Other (i.e. phone, health club, etc.)	Disclosure verification of debt Right to dispute notice not received	CA 91601	Web

10/08/2014	Yes	Debt collection I do not know	Cont'd attempts collect debt not owed Debt is not mine	HI 96727	Web	Older American

09/29/2014	Yes	Debt collection Other (i.e. phone, health club, etc.)	Cont'd attempts collect debt not owed Debt is not mine	IL 62269	Phone	Servicemember

08/05/2014	Yes	Debt collection Other (i.e. phone, health club, etc.)	Improper contact or sharing of info Talked to a third party about my debt	CA 90403	Web

07/25/2014	Yes	Debt collection Medical	Cont'd attempts collect debt not owed Debt is not mine	AZ 85331	Web

06/24/2014	Yes	Debt collection Other (i.e. phone, health club, etc.)	False statements or representation Attempted to collect wrong amount	AZ 85730	Web

06/09/2014	Yes	Debt collection Other (i.e. phone, health club, etc.)	Communication tactics Threatened to take legal action	CA 90403	Web

03/17/2014	Yes	Debt collection I do not know	Cont'd attempts collect debt not owed Debt is not mine	HI 96727	Web	Older American

02/19/2014	Yes	Debt collection Other (i.e. phone, health club, etc.)	Cont'd attempts collect debt not owed Debt is not mine	AZ 85268	Web

02/18/2014	Yes	Debt collection Medical	Cont'd attempts collect debt not owed Debt is not mine	HI 96727	Web	Older American

01/21/2014	Yes	Debt collection Other (i.e. phone, health club, etc.)	Communication tactics Used obscene/profane/abusive language	MN 55434	Web

12/09/2013	Yes	Debt collection Other (i.e. phone, health club, etc.)	False statements or representation Attempted to collect wrong amount	AZ 85283	Web

11/16/2013	Yes	Debt collection Other (i.e. phone, health club, etc.)	False statements or representation Attempted to collect wrong amount	CA 92101	Phone

11/11/2013	Yes	Debt collection Other (i.e. phone, health club, etc.)	Cont'd attempts collect debt not owed Debt is not mine	AZ 85335	Web

11/05/2013	Yes	Debt collection Other (i.e. phone, health club, etc.)	Disclosure verification of debt Right to dispute notice not received	MD 20852	Web

11/02/2013	Yes	Debt collection Mortgage	False statements or representation Attempted to collect wrong amount	AZ 85051	Web