Universal Recovery Corporation CFPB Complaints

2000 Latest Complaints

Date Received	Timely Response	Product	Issue	State / Zip	Submitted Via	Tags
05/19/2017	Yes	Debt collection Other debt	Took or threatened to take negative or legal action Threatened or suggested your credit would be damaged	CA 957XX	Web
In XXXX , I placed a call to this agency upon receiving a generic letter saying I owed them money, but not specifying what for. I spoke with a nice gentleman who informed me I owed them $ XXXX for ending my insurance policy with them in XXXX one month earlier than it was scheduled to end. I had been in bankruptcy at that time and informed him of this, to which he said he would update my account to document my bankruptcy. Thinking this was done, I went about my business until I noticed an {$87.00} collection record had been reported on my credit by this company. I was concerned because I had worked so hard to repair my credit after my bankruptcy. I called this company once again and at this time just wanted to pay the debt off. However, I was informed the debt reported on my credit was not accurate and I actually owed even more now. At this point, I became extremely doubtful of the honesty and integrity of this business and once again mentioned that this had been included during my bankruptcy. I was put on a long hold until someone different came back on and rudely advised me to send over documentation. I agreed to do so and sent over what form I could easily find in my email from my attorney in XXXX during the time of this debt. I sent the document over immediately that same day, XXXX / XXXX / XXXX , and called back shortly thereafter and confirmed it had been received and would suffice. I was advised to wait and watch my credit for the file to be updated. On XXXX / XXXX / XXXX I called back as the record had not yet been updated. The lady I spoke to said she could not find any information in my file indicating I had provided the bankruptcy proof and asked me again to prove it. I pulled up the email I had sent to them with the documentation and she put me on hold, she came back on the line and rudely informed me she had found the documentation and that I needed to wait up to 30 days to see the record updated on my credit and advised I check back after XXXX / XXXX / XXXX . I have checked my credit on XXXX XXXX every week since then and finally today, XXXX / XXXX / XXXX , I reached out, thinking this would have been more than enough time for the update to have been made. This time I spoke with XXXX XXXX who was immediately rude off the bat with no apparent reason why. Thinking perhaps she was having a bad day or even week, I tried to ignore her condescendingly rude tone. I gave her very brief background details and she cut me off and asked me to hold. She came back and rudely said while the documentation was in my file, it had not yet even been sent to the credit reporting agency. Naturally, I was stunned, as it had been 52 days since I had provided the requested documentation. I took a deep breath, as I could already tell this representative was in a foul mood and not caring at all about anyone but herself. I calmly relayed to her that I had been advised on XXXX / XXXX / XXXX that my file would be updated within 30 days from providing documentation on XXXX / XXXX / XXXX . She cut me off and told me nobody would have told me that as nobody could know that information. I assured her I had been told that and this was why I had called back again after 30 days, otherwise I would not have called back again after 30 days to check on the status. She kept cutting me off and talking over me and told me the " girls in their center were well-trained and good at their jobs and would never state anything in regards to turnaround times ''. I stated that, while she herself had not told me that the turnaround time was up to 30 days, I had absolutely been told this by a representative in this company 's office. She started to become hostile and raise her voice at me and tell me I was wrong and had never been told that. I said that if she was saying that the turnaround time was 30 to 60 days, instead of 30 days, then why had nothing even progressed on my file after 52 days? The file was still sitting in their office in the same condition it had been 52 days prior. She said she did n't know what more to tell me at this point and that they do n't report to the credit agency every day. Seeing that I was not going to get anywhere with XXXX and no longer desiring to be treated as I was, I asked to speak to a Supervisor. To which she replied that she was a Supervisor. I asked to speak to her Supervisor. She told me she had no Supervisor. I said, everyone has a Supervisor. She said she did n't. I said she must have one as she was not the owner of the company. She said she was the owner of the company. Well that just makes matters even worse if so, what kind of person who owns a business of this nature feels it is in the businesses best interests to treat people as she was treating me and has clearly treated other people based on the reviews on this page, XXXX , XXXX , XXXX , you name it. If you find the time to peek into those reviews, you will see the experiences of 50 other people who had an almost identical experience, and in just about every review, guess whose name pops up ... XXXX ! I ended the call after she told me she was the owner, it was crystal clear I was not going to receive any kind of professionalism, or even the basest politeness. Apparently, she was upset after our conversation, as I was contacted a few minutes later, by a different representative who sounded quite polite actually, it is unfortunate I did n't get her the first time. She had been asked by XXXX to call me back to review my file. The girl was very polite but she kept pausing and somebody was whispering to her in the background. Who was that person? XXXX ! She was feeding information into the girls ear to continue the argument. I would ask a question and the girl would pause, I would hear a whisper, and then the girl would reply. When the girl got fed up with this back and forth, she told me to hold while she transferred me to XXXX . I told her I did not want to speak with XXXX as I refuse to knowingly throw myself into a toxic situation. However, she had already started the call transfer process, and there was XXXX immediately picking up and trying to bicker with me. I kept trying to get a word in to tell her to just keep the debt open and let me get off the phone, as I think it is incredibly rude to hang up on someone. She refused to let me go and kept yelling at me, finally I calmly said, " I am getting off the phone now as you are incredibly unprofessional, mean, and rude and I refuse to interact with you further, goodbye. '' S he just kept on yelling incoherently, and at this point I hung up, and am just praying to the heavens above they do not call me back. At this point, I am exhausted from this whole experience and am just going to let the debt fall off in its own time, damaged credit be darned. I am going to go leave this awful experience here, and go home to my wonderful family tonight, and just be incredibly grateful I am not as miserable and angry as XXXX . I genuinely hope she figures out how to be happy and stops sending out poison into the world around her, for her sake and yours. This is a collection agency, so writing a BBB review will not put them out of business or help you avoid them ; my only hope is that if you have the unfortunate luck to have them come after you, whatever you do, just do n't talk to XXXX ! I submitted a complaint and negative review with the BBB. XXXX personally replied to the complaint and the review ( which is posted publicly on a website able to be accessed by the general public. In the response, she misrepresented her actions and statements, made up lies about the timeline of the complaint, and posted my personal information and specific details regarding my bankruptcy on the public webpage. This is a violation of my privacy and I feel warrants an investigation into this businesses operation and tactics as they are privy to the private information of so many people! One last thing to be aware of, it would appear XXXX is NOT the owner as she proclaimed. The owner is a XXXX XXXX XXXX as is reported through BBB.
07/19/2022	Yes	Debt collection Other debt	Took or threatened to take negative or legal action Threatened or suggested your credit would be damaged	CA 95355	Web
XX/XX/2022 : Received phone call & voice mail message from XXXX with generic message. " This is XXXX calling from XXXX. Please contact me at above number extension XXXX. I did not know who this was, so I did not return the phone call. XX/XX/2022 : Received phone call & voice mail message from XXXX with generic message. " This is XXXX calling from XXXX. Please contact me at above number extension XXXX. It occurred to me I was expecting a call from an office supply delivery service and I thought maybe this was them since it was a second phone call, I looked up XXXX on XXXX, it's a freight company, so I returned the call. Upon calling the number, I find that the company is not XXXX, it is XXXX, and they claim they are a debt collections company. I speak with XXXX and he says he's attempting to collect a debt I owe at a local vet clinic for services rendered in XXXX 2022. I did have a pet at the clinic in XXXX 2022, and asked him to send me information of the debt. He sent me a scanned statement that looks like it's from the Vet office that has no detail other than the amount owing. XX/XX/2022 : In the morning miss a call and receive a voicemail from XXXX and I call him back and request a detailed invoice of the charges and amount owed. Later that afternoon I follow-up the request for detail with a reply to the statement email with an email also requesting the detail. Later in the afternoon I receive a phone call from XXXX to confirm I received the detailed invoice. I call XXXX back and let him know I am out at a client and will check my email once back in the office and we agree to speak on Monday as he will be out of the office by that time. Once back in the office I confirm receipt of the detailed invoice. XX/XX/2022 : In the morning I send a screenshot of the detailed invoice with my disputed items highlighted. I follow up with an email request for update in the afternoon. I receive a phone call and voicemail message not long after the email request for update. I receive another phone call later in the afternoon which I answer. We chat about the debt and he states that he checked with his supervisor and the disputed line item will be taken out. He gives me a revised amount to pay. I ask him what that includes because there is a difference in monies owed outside of the detailed invoice he sent me. He explains verbally the difference ( approx {$44.00} in fees of some sort ) and then asks for payment. I ask him to provide me with an online place to pay and he asks for my credit card information. I tell him I don't feel comfortable giving my credit card information over the telephone, he lets me know there will be a {$6.00} charge for processing the credit card and guaranteeing I won't be reported to the credit bureaus ( i assume this is online ) and when I ask for the url, he again says it will be only accepted via voice over the phone - and that if I don't remit payment immediately by credit card over the phone, he can't guarantee I won't be reported to the credit bureaus. I ask him if the Vet clinic will accept payment if I go in and pay the debt- he says not likely. I tell him I'm going to call the vet clinic and I will call him back. I call the Vet clinic. I am told the finance manager is out for the week but the person who answered the phone tries to help me out. She looks up my account and says she doesn't see that it's in collections. She does see a note on XX/XX/XXXX about the amount owed, but no mention of phone calls to me or info about debt collection. I tell her the story of the supposed debt collector and that they want payment by credit card over the phone, she agrees it sounds suspicious. I ask if I can come into the office to pay the debt, she says she doesn't know - usually the finance manager takes care of the payments- but that she will check with the office manager and have her call me back ASAP. ( probably tomorrow ) I call XXXX back. I let him know the update with the Vet office. He hard presses me again to give him a credit card number over the phone. I tell him I'm beginning to think he isn't legitimate, he tells me he has my SSN and my CA Drivers license number and that I am risking being reported. He gives me the last 4 digits of my social and my license number ( which is correct ). At this point, I request that he email me instructions on how to pay other than credit card over the phone and he says he can't do that because he's not allowed to send email. I indicate that he already sent me emails and I don't understand why this is any different and I state that without them, there is no record of our conversations. He states that the phone calls are recorded. I tell him I don't recall being asked permission to record this particular phone call when we got on the phone. He again asks for payment immediately but also offers to give me over voice where to " mail '' a check for payment - stressing unless I pay now over the phone with a credit card, he can't guarantee it won't effect my credit. I ask to speak with his manager. He tells me they are gone for the day but he can leave them a note. I tell him I think something is off with him/his company and that I'm going to report him and that I am now recording the conversation. He indicates he hasn't given consent for me to do so ( which I find strange being that he just said all the calls are recorded ) - and I hang up on him. I call back the main XXXX number XXXX I found when I googled XXXX. I ask to speak with a manager- I get some ones voicemail, I don't leave a message. I email XXXX requesting IN WRITING how and to whom I should pay my debt and let him know I'm going to file this report. Here 's the text of the email : " XXXX, As a follow-up to our phone conversation moments ago, I contacted the Vet office who said my account does not show its in collections. They also indicated that the Finance ManageXXXX is responsible for A/R and that she is out of the office until Monday of next week. The person I spoke with said she would ask the office manager if she could help me in the absence of the Finance manager I am awaiting their call currently. I offered to go into the vet clinic and pay any outstanding balance, the office manager should be returning my phone call shortly to give me the go ahead, or have me wait until the finance manager returns. As for our discussion regarding remitting payment over the telephone I will not give anyone my credit card information via telephone. Threatening to report this debt as unpaid in lieu of my immediate capitulation is unethical and harassment. Also, refusing to give me the information I requested regarding submitting payment through your company via email or direct mail, and declaring that all phone calls are recorded so I shouldnt need a written record or email trail after which I stated that you didnt ask for permission to record our current call, followed up by another threat to damage my credit and my request to speak with your manager ( which was refused ) and finally your denial of permission for me to record the call by the end is suspicious. Assuming, for a moment, that you are a legitimate debt collector and just unscrupulous, Id like to make it clear that I refuse to remit payment to you by credit card over the telephone, and also request you send me a detailed corrected accounting of my debt as well as a detailed description of how and where I may settle this debt IN WRITING. Lastly, I would like to make very clear, I consider our last conversation to be harassment and threatening, and will be reporting you and your company to the CFPB. "
10/26/2021	Yes	Debt collection Other debt	Written notification about debt Didn't receive enough information to verify debt	CA 91325	Web
I am the natural person and consumer who is submitting a dispute against Universal Recovery Corporation a debt collector pursuant to 15 U.S. Code 1692a in regards to an alleged debt ( defined as any obligation or alleged obligation of a consumer pursuant 15 U.S. Code 1692a ). XXXX of XXXX, I received an alert from XXXX XXXX that my credit score dropped. I logged in to see that my credit score dropped XXXX points because of a collection account Universal Recovery Corporation reported to XXXX saying that I owed {$79.00} to XXXX XXXX XXXX On XX/XX/XXXX @ XXXX XXXX, I made a call to Universal Recovery Corporation and spoke with a supervisor by the name of XXXX . I informed XXXX that I never received any mail ( communication ) in regards to this alleged debt and was not given the opportunity as a consumer to request validation or verification pursuant to 15 U.S. Code 1692g. XXXX told me that mail was sent in XXXX of XXXX to the address given by XXXX XXXX XXXX which was XXXX XXXX. I informed XXXX that I moved from that location in XXXX and requested that documentation be mailed to my current abode but was told by XXXX that they are not required to resend mail and that he would update my account to disputed, which he did. This account was last updated on XX/XX/XXXX and I have yet to receive a Determination or Notice of Determination pursuant to 15 U.S. Code 1681i Procedure in case of disputed accuracy and backed by law 12 CFR 1022.43 ( e ) ( 1 ) ( 2 ) ( 3 ) ( 4 ) ; 12 CFR 1022.43 ( f ) ( 2 ) ( 3 ). As a Federally Protected Consumer, I am aware that Universal Recovery Corporation violated several of my consumer rights under the Rosenthal Act and Fair Debt Collection Practice Act. Pursuant to 18 U.S. Code 8, all debt is the obligation of the United States. The term obligation or other security of the United States includes all bonds, certificates of indebtedness, national bank currency , Federal Reserve notes, Federal Reserve bank notes, coupons, United States notes, Treasury notes, gold certificates, silver certificates, fractional notes, certificates of deposit, bills, checks, or drafts for money, drawn by or upon authorized officers of the United States, stamps and other representatives of value, of whatever denomination, issued under any Act of Congress, and canceled United States stamps. Below are listed the violations committed by Universal Recovery Corporation in the pursuit to collect an alleged debt. When Universal Recovery Corporation mailed communication about the collection of an alleged debt to a location I did not dwell ( mail was sent to someone other than myself ) and reported this alleged debt to the Consumer Reporting Agency they violated 15 USC 1692b ( 2 ) : Any debt collector communicating with any person other than the consumer for the purpose of acquiring location information about the consumer shall not state that such consumer owes any debt. ( In doing this, Universal Recovery Corporation also compromised my Personal Information ). Universal Recovery Corporation has also violated my right to privacy by committing identity theft. 15 U.S. Code 1681a - Definitions ; rules of construction ( q ) Definitions Relating to Fraud Alerts. ( 3 ) Identity theft. The term identity theft means a fraud committed using the identifying information of another person, subject to such further definition as the Bureau may prescribe, by regulation. Universal Recovery Corporation never received written instructions from me authorizing the furnishing of any information to third parties in violation of 15 U.S. Code 1681b - Permissible purposes of consumer reports ( a ) In general Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the written instructions of the consumer to whom it relates. Mailing communication to me, the consumer without my consent to another location other than my abode was unusual and inconvenient to me, the consumer therefore Universal Recovery Corporation violated 15 U.S. Code 1692 ( c ) ( a ) ( 1 ) : Communication with the consumer generally without the prior consent of the consumer given directly to the debt collector or the express permission of a court of competent jurisdiction, a debt collector may not communicate with a consumer in connection with the collection of any debt at any unusual time or place or a time or place known or which should be known to be inconvenient to the consumer and ; ( b ) without the prior consent of the consumer given directly to the debt collector, or the express permission of a court of competent jurisdiction, or as reasonably necessary to effectuate a postjudgment judicial remedy, a debt collector may not communicate, in connection with the collection of any debt, with any person other than the consumer, his attorney, a consumer reporting agency if otherwise permitted by law, the creditor, the attorney of the creditor, or the attorney of the debt collector. Universal Recovery Corporation reported {$79.00} to the Consumer Reporting Agency. A consumer can not pay on a positive amount ( credit ), only a negative ( - ) amount therefore Universal Recovery Corporation Presented false or misleading representation pursuant to 15 U.S. Code 1692 ( e ) ( 2 ) ( A ) : The false representation ofthe character, amount, or legal status of any debt ; By reporting this alleged debt to the Consumer Reporting Agency, Universal Recovery Corporation has used profane and abusive language that caused harm to my credit health and reputation ( credit score decrease ) therefore violating 15 U.S. Code 1692d Harassment or Abuse : A debt collector may not engage in any conduct the natural consequence of which is to harass, oppress, or abuse any person in connection with the collection of a debt. Without limiting the general application of the foregoing, the following conduct is a violation of this section : ( 1 ) The use or threat of use of violence or other criminal means to harm the physical person, reputation, or property of any person ; ( 2 ) The use of obscene or profane language or language the natural consequence of which is to abuse the hearer or reader. In addition, according to the Fair Debt Collection Practices Act, a Debt Collector is required by Federal Law to verify the with the physical original written and signed consumer contract on recording, related to the account they are attempting to collect on. Otherwise, anyone paying for their Debt Collection services could fax, mail or email in a fraudulent account. Under the FDCPA, unverified accounts are considered a Fictitious Obligation and any demand for payment of such is an attempt to extort and administer property without right. ( 18 U.S. Code Fictious Obligation ( a ) Whoever, with the intent to defraud ( 1 ) draws, prints, processes, produces, publishes, or otherwise makes, or attempts or causes the same, within the United States ; ( 3 ) utilizes interstate or foreign commerce, including the use of the mails or wire, radio, or other electronic communication, any false or fictitious instrument, document, or other item appearing, representing, purporting, or contriving through scheme or artifice, to be an actual security or other financial instrument issued under the authority of the United States, a foreign government, a State or other political subdivision of the United States, or an organization, shall be guilty of a class B felony.
09/14/2020	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt is not yours	CA 92557	Web
On [ XX/XX/2020 ], I sent Universal Recovery Corporation a Direct Dispute FCRA 623, received by express mail # [ XXXX XXXX XXXX XXXX XXXX ] on [ XX/XX/2020 ]. Universal Recovery Corporation failed to perform after receiving these presentments from me, and Universal Recovery Corporation failed to perform by reviewing all relevant information provided and conduct a reasonable investigation into this direct consumer dispute and notify me, along with the CRAs to whom Universal Recovery Corporation reports credit data. If Universal Recovery Corporation found that the account it is reporting can not be verified or substantiated Universal Recovery Corporation must delete the tradeline if Universal Recovery Corporation failed or refused to comply with the Act, Universal Recovery Corporation may be sued by the FTC, Consumer Financial Protection Bureau, state government and me. Also be advised that as a result of this direct dispute being filed, Universal Recovery Corporation was required by law to hereinafter report this account as " disputed by consumer '' on my credit file if the account is not deleted, or Universal Recovery Corporation is legally barred from continuing to report the alleged account as per, 623 [ 15 U.S.C., 1681s-2 ] ( a ) ( 3 ) which states ; If the completeness or accuracy of any information furnished by any consumer reporting agency is disputed to such person by a consumer, the person may not furnish the information to any consumer reporting agency without notice that such information is disputed by the consumer " [ Emphasis added ]. This is a non-discretionary duty imposed by the FORA and is not subject to the opinion ( s ) of the furnisher of information. XXXX XXXX XXXX omitted the 16 CFR 433.3 disclaimer on the alleged Insurance Contract formally known as [ Consumer Credit Contract ], which means there was no holder in due course ; see UCC 3-302 the " Holder in Due '' course takes the instrument free from all claims and defenses that the payer ( XXXX XXXX ) who could assert against any payee ( " XXXX XXXX XXXX '' ), assignee ( Universal Recovery Corporation ) or transferee. " XXXX XXXX XXXX '' and Universal Recovery Corporation accepted the [ Consumer Credit Contract ( insurance contract ) ] subject to claims and defenses 16 CFR 433.3 Preservation of consumer claims and defenses, unfair or deceptive acts or practice in the connection with any services to XXXX XXXX, in or affecting commerce as commerce is defined in the Federal Trade Commission Act which is a unfair or deceptive act or practice within the meaning of section 5 of that act for a seller ( " XXXX XXXX '' ) and Universal Recovery Corporation to directly or indirectly : ( a ) take or receive a Consumer Credit Contract which fails to contain the following provision in at least ten point bold face type : NOTICE NOTICE ANY HOLDER OF THIS CONSUMER CREDIT CONTRACT IS SUBJECT TO ALL CLAIMS AND DEFENSES WHICH THE DEBTOR COULD ASSERT AGAINST THE SELLER OF GOODS OR SERVICES OBTAINED PURSUANT HERETO OR WITH THE PROCEEDS HEREOF. RECOVERY HEREUNDER BY THE DEBTOR SHALL NOT EXCEED AMOUNTS PAID BY THE DEBTOR HEREUNDER In order to meet the threshold of the Consumer Finance Protection Bureau requirement, the exception is when XXXX XXXX XXXX and Universal Recovery Corporation behaves in an unfair and deceptive manner, which would then allow the Fair Debt Collection Act to apply to the " XXXX XXXX XXXX and Universal Recovery Corporation ''. The facts stated above about XXXX XXXX XXXXe and Universal Recovery Corporation " is construed as unfair and deceptive in nature as defined by the Federal Trade Commission 5 ( a ) and violates the Fair Debt Collection Practice Act 15 USC section : 1. 1692e ( 6 ) implying that transfer of the debt caused XXXX XXXX to lose claims or defenses to payment of the debt. XXXX XXXX XXXX and Universal Recovery Corporation made false or deceptive representation by accepting or receiving XXXX 's [ Consumer Credit Contract '' ] ( insurance contract ) which failed to contain the claims and defense to the payment of the alleged [ Insurance Contract ] debt. The damages are {$1000.00} statutory damages and actual damages of intentional infliction of emotional distress and mail fraud in conjunction with my inquiries and Universal Recovery Corporation responses.
04/10/2023	Yes	Debt collection Other debt	Took or threatened to take negative or legal action Threatened or suggested your credit would be damaged	CA 95628	Web
Previously I have filed recent complaints about this collection company : Universal Recovery Corporation. They have been notified through the Federal Bankruptcy Courts, Myself, and my attorney, and most recently they have been notified yet on two More occasions through this complaint portal that I HAVE FILED FOR A BANKRUPTCY OF WHICH THIS COMPANY HAS BEEN NAMED AS ONE OF THE CREDITORS AND THUS THEYCANNOT COLLECT ON ANY DEBT IN WHICH THERE IS AN ACTIVE BANKRUPTCY STAY AND/OR ARE GETTING PAID THROPUGH THE BANKRUPTCY TRUSTEE AS HE SEES FIT TO DO AND IS COMPLETELY UP TO HIS DISCRETION AS TO WHO HE WILL PAY AND HPOW MUCH HE WILL PAY THEM. This is a very simple and known fact throughout the credit and finance world and even in the collection industry world as well. Yet, URC ( Universal Recovery Corporation ) has repeatedly and knowingly done just the opposite of what our Federal Laws allow them to do while I am under the Courts Protection and has ordered an active stay. They have acknowledged through this portal in fact that they are aware of my bankruptcy status yet they continue to violate many Federal Laws regardless of what that law states. They have continued to leave two previously disputed debts on my credit report and they show these debts as being an OPEN account when the law clearly states that they can no longer collect on this debt or leave it in an OPEN status and report that to the credit bureaus., which is exactly what they have done and continue to do. Last week this collection company not only defies our Federal Laws and Consumer laws by continuing to leave the first two collection accounts on my credit in an open status, but they have just recently ( within the last week ) added three more accounts to my credit report adding to the other two that were already on there for a total of 5 collection accounts in which they are trying to collect on and they are doing this with the full knowledge that I am in an active Bankruptcy right now. They are also reporting these three additional collection accounts that have been added within the last week as OPEN AND ACTIVE COLLECTION ACCPOUNTS WITH OWED BALANCES AS WELL.. They have done this knowing about my bankruptcy status and they are blatantly disregarding the court order by doing this. See the attachment for proof. They also have backdated these new collection debts illegally as well and reported false and damaging information about me and had it placed in my credit file with XXXX just within the very last week. They also have lied and reported false and erroneous information about me trying to completely obliterate my credit and my chances of obtaining any type of credit or secure my new place to live as well. In fact, because of their actions, I was denied to rent my new apartment because their reporting of these additional uncollectable accounts has dropped my Credit score by more them 60 points just by what they have reported last week. This company needs to be investigated for their shady and extremely questionable debt collection practices because of what they have done to me alone and by how they have purposely done this just to harm me and to damage my credit in the process. I will say that this is not just going to go away with them. They will pay for what they have done as soon as I report them to the Federal Bankruptcy Courts and I will make sure that I will not rest until they are either shut down or having their business license revoked for doing what they have done to me and with no regard to our Federal Laws or the agencies that govern them. I am fed up with this company and this is a clear retaliation tactic because last year I settled out of court with them because of another debt collection issue and this is their way to get me back and they know it. They need to be investigated and shut down as a result of their many violations to our laws and because of their unethical and immoral business practices.
07/07/2017	Yes	Debt collection Medical debt	Took or threatened to take negative or legal action Threatened or suggested your credit would be damaged	CA 93311	Web
I was first contacted by the Universal Recovery Corporation on XXXX XXXX, 2017, I had not had any previous knowledge or correspondence with this company or individual before this date. When we spoke on XX/XX/XXXX, she told me that a letter had been mailed to me and I had " 30 days to dispute from the date of the letter ''. When speaking to an attorney I was told that this is incorrect. Bringing to your attention California Code of Civil Procedure Section 1013, which extends the time frame an additional 5 days. Further the debt collector must inform of the right to dispute the debt in whole or in part within 30 days of receiving the notice. The 30-day time frame starts running on the day you receive the letter, NOT the date of the letter. Therefore, when I spoke to XXXX on XX/XX/XXXX, I was well within my 30-day period and offered to pay the amount then, but she refused. Fair Collection Credit Act is a Federal Law prohibiting debt collectors from engaging in abusive or deceptive bill collections. Not only did she fail to give me my 30-day time frame, she had insisted it had expired based upon the date of the letter, which again is not accurate. Not only was she abusive and hostile to me on the phone by continuing to call me a liar, but her means of collecting were deceptive by making me believe my 30 days had expired based on the date of the letter. Since I had no correspondence in front of me, I believed her. After she bullied, threatened and scared me, I made an immediate payment of {$400.00} plus set up an additional {$200.00} to be paid on XX/XX/XXXX, which ended up coming out to {$210.00} which I am assuming is yet another fee she has added. After I received the letter I tried to call her back, but instead of talking with me, she yelled at me and again called me a liar multiple times. She not only bullied me, but she also threatened me. Based upon the above, notice is given that I dispute a portion of this claim. There is a small outstanding balance of approximately {$25.00}. This amount will be paid forthwith. Notice is hereby given that any other arrangements for payments are null and void. I notified her that she had no permission to withdraw ANY OTHER FUNDS. However, on XX/XX/XXXX she tried pulling money from XXXX separate accounts without my permission. I notified by both my bank and credit card company of the fraudulent charges.I mailed her a certified letter on XX/XX/XXXX, which she did in fact receive. I will attach all documentation. Since then she has repeatedly called my work, my work cell phone, my corporate office demanding to speak to me, my home, as well as my person cell phone. I have told her multiple times to NOT CALL ME AT WORK. These calls start from XXXX and continue throughout the day. I believe her correspondence to be deceptive and a form of bullying. Every time I try to contact her and speak to her about this situation she ends of yelling at me, speaking to me in a demeaning manner, or hanging up on me. After today 's events I am on the verge of filing a police report because this has gone above and beyond. I too have rights and they have been violated. When speaking to a lawyer I was informed of the Fair Debt Collection Practices Act which I am protected under and after explaining the turn of events, I was told she was definitely in violation and out of control.
03/13/2018	No	Debt collection Medical debt	Attempts to collect debt not owed Debt is not yours	CA 92879	Web
Dear Sir or Madam, This letter is in reference to UNIVERSAL RECOVERY CORPO XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX for services provided to XXXX XXXX on XX/XX/XXXX. In regard to the bill on this account in the amount of {$88.00}. Please be advised this is not a refusal to pay, but a notice your claims are being disputed. Under the Fair Debt Collections Act ( FDCPA ), I have the right to request validation of the debt you say I owe you. I am requesting proof that I am indeed the party you are asking to pay this debt, the date of the alleged medical service, the name of the patient and proof that there is some contractual obligation which is binding on me to pay this debt. Please attach copies of : Any agreement with your client that grants you the authority to collect on this alleged debt, or proof of acquisition by purchase or assignment, and or authorization under subtitle D of the ARRA, SEC 13401. APPLICATION OF SECURITY PROVISIONS AND PENALITIES TO BUSINESS ASSOCIATES OF COVERED ENTITIES ; and SEC. 13407 ( 1 ) BREACH OF SECURITY. The term breach of security means, with respect to unsecured PHR identifiable health information without the authorization of the individual. Please note that enforcement of penalties against you is covered under the penalty rules of the omnibus final rule effective XX/XX/XXXX interpreting and implementing various provisions of the Health Information. Technology for Economic and Clinical Health Act of XX/XX/XXXX ( HITECH ACT ) as issued XX/XX/XXXX and the penalty rules of the FCRA and FACTA including FACT Act changes final rules effective XX/XX/XXXX. Please also attach copies of any agreement that bears the signature of the alleged debtor wherein he or she agreed to pay the creditor and as this is a medical account and a copy of any HIPPA authorization. Please also be advised that this letter is not only a formal dispute, but a request that you cease and desist any and all collections activities, including reporting of or verifying of this account on my credit reports. In the event of non -compliance, I reserve the right to file charges with the OCR on your HIPPA violations and appropriate County, State and Federal Authorities. I require compliance, I reserve the right to file charges and/or complaints with the OCR on your HIPPA violations and appropriate associations for violations and appropriate County, State & Federal authorities for violations of the FDCPA, FCRA and Federal and State statutes on illegal collection activities on any account that may be time-barred as well as in violation of California medical privacy rules. I also hereby reserve my right to take private civil action against you to recover damages. Sincerely, XXXX XXXX XX/XX/XXXX
02/26/2018	No	Debt collection Other debt	Attempts to collect debt not owed Debt was paid	CA 95926	Web
I recently signed up for a tanning package with a local company. I payed XXXX + some additional free for there basic membership, allowing access to the most basic tanning beds. The benefit to the membership is that the cost to use the top of the line tanning beds is greatly reduced for members. I bought single upgrade to the top tier tanning bed totaling XXXX $ cash. While paying the employee informed me of a {$90.00} package that included 6 tans. Being the sucker that I am I agreed that I would benefit for saving money buying the tans in bulk vs each time I visited. The employee recommended I tan for the full 10 minutes in the bed for my first session, and since I wanted to expedite the process of tan skin I agreed. The end result was 3 weeks of XXXX XXXX, 1 week of XXXX XXXX, and 1 visit to the ER funded by myself. Dissatisfied with the business, I decided to dispute the charge for the remaining 6 tans that I hadn't used. I called the company myself without the guidance of the bank and they refused to refund the money, and insisted that I could come back and use the remaining 6 credits anytime. I informed them that after visiting the ER and suffering for 3 weeks I wouldn't be tanning again, but they stuck to there guns. A few days later I contacted XXXX XXXX XXXX XXXX card customer service about disputing this charge. They proceeded to 3 way call the company with me on the line. We discussed out the details of the dispute to the tanning company tele rep, and she informed me/XXXX rep that the appropriate person would be in contact with XXXX if needed later that afternoon. Time carried on and XXXX never heard back from the tanning company regarding the dispute and I was refunded the money for the 6 tans. Approximately a month later I received a letter from the tanning company claiming they were sending the total of {$90.00} to collections along with a {$25.00} charge. I immediately called the tanning company and asked what was going on, they informed me that there is nothing they could do, and that the debt had be acquired by a collection agency. I then proceed to call XXXX and inform them of the situation, learning there is little they can do for this type of situation. The debt collector actually made initial contact the very same day I received the letter and called the tanning company. Seems like they were out for revenge regarding the dispute I was awarded. I informed the creditor of the dispute being settled and even offered to send the documents from XXXX showing this process. The creditor had no interest in the documents, and told me the debt would need to be settled regardless. This doesn't seem fair, what is my next step in this process.
10/01/2019	No	Debt collection I do not know	Attempts to collect debt not owed Debt was result of identity theft	CA 94545	Web
XXXX, XXXX SOC SEC # XXXX DOB XX/XX/XXXX ADDRESS XXXX XXXX XXXX, XXXX, CA XXXX* ATTENTION DISPUTE DEPARTMENT TODAYS DATE : XX/XX/XXXX XXXX XXXX XXXX Your company have violated FCRA 615 ( f ) ( 15 U.S.C. 1681m ( f ) ) ( f ) Prohibition on sale or transfer of debt caused by identity theft You have not responded to my request to provide me with an investigation report. I need this resolve, under the Fair Credit Reporting Act, these disputed items may not appear on my credit report if they can not be supported by any evidence ( 1 ) In g eneral No person ( company ) shall sell, transfer for consideration, or place for collection a debt that such person has been notified under section 1681c-2 of this title has resulted from identity theft. ( 2 ) Applicability The prohibitions of this subsection shall apply to all persons collecting a debt described in paragraph ( 1 ) after the date of a notification under paragraph ( 1 ). ( 3 ) Rule of construction Nothing in this subsection shall be construed to prohibit -- ( A ) The repurchase of a debt in any case in which the assignee of the debt requires such repurchase because the debt has resulted from identity theft ; ( B ) the securitization of a debt or the pledging of a portfolio of debt as collateral in connection with a borrowing ; or ( C ) the transfer of debt as a result of a merger, acquisition, purchase and assumption transaction, or transfer of substantially all of the assets of an entity. A person that furnishes information to any consumer reporting agency shall have in place reasonable procedures to respond to any notification that it receives from a consumer reporting agency under section 1681c-2 of this title relating to information resulting from identity theft, to prevent that person from refurnishing such blocked information. The reference items are listed below please take this matter very serious XXXX XXXX XXXX I have report your company to consumerfinance.gov As a form of record and I am prepare to sue your company Example In re XXXX XXXX XXXX XXXX Telephone Consumer Protection Act Litigation, Case No. 11-MD-2295-JAH-BGS, in the U.S. District Court for the XXXX XXXX of California Stop collection proceedings against me Signatures on applications and accounts Investigators report XXXX, XXXX SOC SEC # XXXX DOB XX/XX/XXXX ADDRESS XXXX XXXX XXXX, XXXX, CA XXXX*
04/13/2023	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt was already discharged in bankruptcy and is no longer owed	CA 95628	Web
I am done with this company and trying to reason with them. The next correspondence they will be receiving will be from my Attorney and a subpoena to appear in court to explain why they had added three additional collection accounts that are showing as being in an active and open and collectable status with owed balances on my credit report and that they had all been submitted to the credit bureau last week. This makes it a violation of all bankruptcy and debt collection laws because this company has already been fully notified and completely aware of my Bankruptcy status and filing beforehand. Yet, they still made a conscious decision to report them even after being notified of my bankruptcy status. The Bankruptcy court is going to have a field day with you and hopefully make an example out of you for other collection companies like yours will think twice before willingly violating a direct court order and also violating an active STAY as well. I have nothing left to say about this to you and now you can give your line of XXXX to the Federal courts and let 's see what they have to say about your delusional reasoning as to why you blatantly have decided to violate and disregard their orders and continuing to do so even after I have made you fully aware of the situation on three separate attempts. SO you can't go in and act like " you didn't know '' or that " you had no idea '' that I was in Bankruptcy and with an ongoing and active Stay as imposed by the court. By the way, I have included an excerpt of my credit reports for you to see for yourself. The first report dated XX/XX/2023 does not have the three additional collection accounts on it. The one dated XX/XX/2023 does have the three additional collection accounts on it. So somewhere between last month and this month you added three additional accounts with balances owed. You also did this after already knowing of my bankruptcy status and it was just recently done. How do you not see that you are in complete and blatant violation of the law by doing this after the fact? You will lose in court when it ends up there which is the very next step in my intentions with you. The proof is right there in black and white print attached to this complaint. See for yourself.
03/12/2023	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt was already discharged in bankruptcy and is no longer owed	CA 95628	Web
You are still refusing to either delete or change the status of my account with you on my credit report. This account is no longer open, but you still are reporting it as being an open account on my credit report. There are two credit report entries that are still being erroneously reported by you. Once again, any and all of my accounts with you have been included in my Bankruptcy filing and my rights are now protected by the bankruptcy court. You are directly violating my rights and federal laws by allowing mis-information to remain on my credit report. How can a collection account still remain open when the Federal Bankruptcy Laws forbid Collection companies like yours to continue collection activity on a bankruptcy protected account? You seem to think that you are above the laws of our great nation and continue to toe the line of right and wrong by many of your actions. If you force my hand, I will make it my life-long quest to make sure that I raise enough questions about your shady business practices to where an investigation will ultimately open up by one of these regulating agencies on you and finally expose what kind of business practices you are conducting at this collection company of yours. I will make it my life-long quest to expose you for who you are if you want to keep harming peoples credit like you are harming mine right now if you don't remove these erroneously reported accounts from my credit report or change their status from open to closed immediately. Again, They are not open accounts ; they are closed accounts. It is illegal for you to continue collection activity on accounts that are protected by the bankruptcy court as all of mine are including yours as well. However, since you continue to keep reporting these accounts as being open and active, that means that you are still collecting on these accounts because they are still open collection accounts. Yet, they are not and you are forbidden from keeping them in an open status once you were notified by the courts or my attorney that these accounts can no longer be collected on and that they need to be closed out. You refuse to close them out and thus now you are in violation of federal laws. Close them.
01/15/2022	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	CA 95348	Web
On XX/XX/XXXX, I found XXXX false derogatory reports on my XXXX Credit Report. They were put on there on XX/XX/XXXX. for XXXX different reports of XXXX, XXXX and XXXX for monies owed to XXXX XXXX on XX/XX/XXXX, under a different last name then my legal name. I disputed the report w/ XXXX right away online and then called the reporting company-Universal Recovery XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, CA XXXX. Ph # ( XXXX ) XXXX. I spoke to XXXX XXXX. XXXX XXXX could not find the account under my legal name or under my XXXX membership #. I explained to XXXX XXXX-that this was not my debt and she somehow finally found the account. I explained that I never had a XXXX XXXX checking account and I never have been to XXXX XXXX. Also, she stated it was with a joint account and I have never met or known of the other person whom she gave the name of. My concerns with this is : 1. This company reported this debt on my XXXX credit report under a different name. I have had my present legal name since XXXX. Prior to that I had the name that this account is under ( which is a common name ). XXXX XXXX was very aware of that and made the statement. " So you never used this name before? '' The only way she would have known that was by an internet search or obtaining my credit report. 2. She made me feel, I was not being truthful and it was my debt. 3. XXXX XXXX informed me that she had the last XXXX digits of my SS # and my birthdate. If this other person went in to XXXX XXXX and wrote 3 bad checks-they would not have given that information-I feel again this was found by this company with an internet search. 4. This company found w/ an internet search and/or my credit report-a few vague similarities with myself and the actual person who wrote these checks and put this on my credit report. 5. I have worked hard and diligently to have a good credit rating and it dropped it 100 points w/ XXXX . I sent an Affidavit of Forgery per XXXX XXXXXXXX 's direction via email to their company. My feeling is that the person who wrote those bad checks actually had that name and this company in their desperate need to get money put this on my account erroneously.
08/15/2017	Yes	Debt collection Medical debt	Attempts to collect debt not owed Debt was paid	CA 95608	Web
About a month ago I received a bill from XXXX XXXX XXXX, stating they had forgotten to charge me {$45.00} for my daughter 's XXXX. I sent out a check for {$45.00}, which XXXX XXXX XXXX cashed on the XXXX of XXXX, 2017. XXXX XXXX XXXX then fraudulently reported me to Universal Recovery Corporation. I took a copy of my cancelled check into XXXX XXXX XXXX along with my collections notice, and they told me it was a mistake on their part, and they were working to correct it. While at XXXX XXXX XXXX, I called Universal Recovery Corporation to confirm this. They said they recived no information from XXXX XXXX XXXX clearing the fraudulent claim. I then requested to speak to a supervisor. The supervisor " XXXX '' got on the line and was instantly combative with me. She tried to antagonize me into a verbal fight, and when that was n't working she hung up on me. I had n't screamed at her, I had n't cursed at her, and I had n't threatened her. I called back to try and resolve the situation, she again was combative, and tried to instigate a verbal fight. She then lied to me, and said her company had only called me once. They have called me 3-4 times. She also said if I continue to call her she was going to call the police on me. Again I was n't screaming, cursing, or threatening her. Now I do n't know what to do. I did nothing wrong, and was fraudulently turned into collections by XXXX XXXX XXXX on XXXX/XXXX/XXXX. Now on XXXX/XXXX/XXXX the collection company, Universal Recovery Corporation told me if I contact them again they will call the police on me. I have always paid my bills on time, and have no idea what the next step for me to take is. Even if I wanted to pay the {$45.00} debt, I do n't owe, I ca n't contact Universal Recovery Corporation, or they will report me to the police, as supervisor XXXX stated.
01/15/2020	No	Debt collection Other debt	False statements or representation Attempted to collect wrong amount	CA XXXXX	Web	Older American
1. I had a check returned to XXXX XXXX XXXX XXXX, even though I did have overdraft protection, my bank did not cover. 2. I received a notice from Universal Recovery Corp. which I signed for on XX/XX/XXXX. 3. Due to upcoming holiday I did not call right away, that day. I DID in fact call on XX/XX/XXXX, ( which I have call record from my cell provider proving I called the company, left message as the person handling my account was not there. 4. XX/XX/XXXX, I received a call from the Universal Recovery, which I answered and was happy they finally returned my call, I was prepared to set up arrangements to take care of debt. 5. I was told that I now owe {$640.00}. I asked for a supervisor and got XXXX XXXX. This person told me, I NEVER called on the XXXX date, or she would have called within 24hrs. She harassed me, laughed at me, asked if I made arrangements for the food I ate, and I was being ridiculous if I thought she would ever make arrangements. I was never told what the {$640.00} was for, and I stated I was trying to make arrangements for the total on the letter. 6. I was contacted before 30 days was up, I was upset that she made fun of me for being in a hardship, even knowing I had recently had a XXXX XXXX. She said she had no sympathy or empathy for someone who wrote a bad check. I asked for a supervisor, she laughed and said she was the majority share holder of the company and I could not speak with anyone else. 7. I felt harassed, embarrassed, bullied, made fun of, put down because I dont have the money she was wanting. 8. I spoke with the store that the check was returned to, he stated they are in agreement with the collection agency for a fee of {$25.00}, not {$640.00}, and was unaware that this company was harassing their customers.
12/25/2022	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	CA XXXXX	Web	Older American
UNIVERSAL RECOVERY CORPO Opened XXXX {$800.00} UNIVERSAL RECOVERY CORPO Opened XXXX {$2000.00} I believe XXXX credit reporting has duplicated these items. The first account belongs to XXXX XXXXXXXX XXXX and the second to XXXX XXXX XXXX tax attorneys. -I never received the validation or the initial call or email, possibly, due to moving although a forwarding address was filed with USPS . I do not believe the reporting agency Universal followed procedure. -My credit reports shows 3 derogatories preventing me from securing housing. There are only the 2 accounts and they are related to tax issues with the IRS. This has been confused by XXXX credit reporting. -The agency continues to thrash the account to make the two derogatories appear to be new which they are not. -I disputed both and this does not show. XXXX XXXX in court told the judge that both were XXXX firms which they are not to make me look like someone who dodged debts. You can see from my report that I do not. XXXX XXXX XXXX XXXX XXXX XXXX chose collection as a punitive move although the attorney representing me left the firm and I was not notified. The firm pulled the POA with the IRS without notifying me as well. Both account were disputed multiple times and payments were made to the second account. We had a brief attempt at arbitration. I do not have the money for arbitration.
02/26/2023	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt was already discharged in bankruptcy and is no longer owed	CA 95628	Web
This company is violating my consumer rights and breaking Federal laws by continuing to report their collection debt to XXXX-a credit bureau-after I have already formally submitted a dispute through XXXX regarding this debt collection company. They not only have kept their collection entries on my credit report, but they are also falsely reporting it as being an open account for two separate entries on my credit report. I lost my dispute by the way because somehow they managed to lie to XXXX and enable them to keep reporting this no longer valid information to the credit bureaus. There is not a single collection company that has continued to leave their entries on my credit report asides from this company. Every other Collection company has removed and deleted their credit entries on my report, but Universal Recovery Corporation refuses to comply with my rights and the law after I have filed for Bankruptcy on XX/XX/2022. I honestly believe that this is an act of retaliation on their part towards me from a previous legal matter that was filed against them, and was settled in my favor outside of court. Why else would they drag their feet and leave this very harmful information on my credit report when legally it must be removed after they were notified of my bankruptcy status?
03/31/2016	No	Debt collection Other (i.e. phone, health club, etc.)	Communication tactics Used obscene/profane/abusive language	CA 94585	Web
Person called me from Universal Recovery XXXX on behalf of XXXX. The bill was {$92.00}. They want me to pay $ XXXXwhich I know I have to pay. I wrote a check and it bounced. When the guy called, he said his name is XXXX he was very rude and abusive verbally. I tried to explain what happened but he was loud and told me that " I should n't have wrote a check anyway and this is what I get '' I told him to never call me again. I called a couple of weeks later to try to pay the bill and a lady answered the phone. I told her what happened during the last call, she said " he should have spoken to me that way. She said that she was going to report me to the credit bureau tonight! Of course I got upset too but I was n't at work. The name of this business is Universal Recovery. I fully intended to pay this bill, as a matter of fact I called to pay it but this is the second time that I have not been able to because of the aggressive behavior on both their part. This company should not represent anyone. They did send me three letters but I was trying to explain that my son was XXXX and noting else was on my mind at the time. I pay my bills and still fully intend to pay this one but I need advise on another way to pay XXXX because I ca n't talk to these people again.
03/09/2016	Yes	Debt collection Auto	False statements or representation Attempted to collect wrong amount	CA 93446	Web
On XXXX XXXX, XXXX at XXXX PST I called Universal Recovery Corp to inquire on debt I found on my credit. A gentlemen answered the phone and I ask for the current balance. For account # XXXX he stated I owe {$66.00} and for account # XXXX he stated I owe {$83.00}. I asked him how come the balance is different on my report, it says I owe {$56.00} and {$55.00}. The collection company representative said " the discrepancy is because we have n't re-reported to the credit bureaus, XXXX XXXX was the last time we reported on the stonewood account, and XXXX XXXX on the clearside account '' I asked him if that meant his establishment does not report current and accurate information to the credit bureau and he stated " yes ''. This is fraud! If they are n't reporting current and accurate information on my credit what else are they falsifying. My best-friend owns a collection agency and they report to the CB twice a month to make sure everything is accurate and current. What if I was making payments, or anyone for that matter, this company does n't report payments being made? This is terrible business practices and they should be audited to ensure they are n't committing any crimes or falsifying anything major!!!
10/12/2021	Yes	Debt collection Other debt	Written notification about debt Didn't receive enough information to verify debt	NE 68046	Web
Universal Recovery Corporation had called and left me a voicemail on XX/XX/21. Not thinking anything of it because I was never sent any notification of this debit I didnt call them back. I was curious the next day to see what this was about I called them back and the representative, XXXX, was very demanding stating they sent a letter to an address that I have not lived at in 2 years. I asked for them to send me correspondence of this debit and she refused to stating no letters will be sent. I said until proof of this debit is either mailed or emailed to me I will not be paying it. I called back and asked to speaker to a supervisor and left a voicemail for XXXX with no return phone call. I then had called again today XX/XX/21 and spoke to a representative by the name of XXXX and asked again for proof of this debit to he mailed or emailed to me because I never received any notification of this debit. He stated again we will not be sending any letters regarding this because it was already sent to the XXXX address. I said I have not live there in XXXX years so until I can be sent proof of this debit of {$150.00} I will not pay it.
10/10/2020	Yes	Debt collection I do not know	Took or threatened to take negative or legal action Threatened or suggested your credit would be damaged	CA 93534	Web
Recieved an artificially stamped envelope in my mail. No date. Stated : 'PAID -pci ' Debt Collector Name : Universal Recovery Corporation Apparent Creditor : Deciding to keep name private, since U.R.C may keep track of their accounts based on false Creditor Names. ( " The Creditor '' has an incredibly sketchy website ). So does Universal Recovery Corporation. Even XXXX told me to LEAVE THE SITE!! I have screenshots. The creditor claims to be an XXXX XXXX XXXX. I've never used them. I've only been with mainstream auto insurance companies. The reviews on XXXX for Universal Recovery Corp, are horrific, and the responses from the company is horrendous and in no sense professional for a " debt collecting agency ''. XXXX XXXX, is the appointed Supervisor, who has poor customer service reviews as well, and in her letter, she stated .. '' as required by law, you are hereby notified that a negative credit report reflecting on your credit record may be submitted to a credit reporting agency if you fail to fulfill the terms of your credit obligations. " This whole notice says FRAUD!! The reviews say FRAUD!!
06/24/2015	No	Debt collection I do not know	False statements or representation Attempted to collect wrong amount	CA 956XX	Web
Universal recovery cooperation. I called them to pay my husbands death off and the guy I talked to was so rude I hung up on him. I told him I would pay him Thursday when I get paid and I wanted him to work with me but he refused. He wanted me to give him my account infoation and I refused I told him I would call back Thursday and pay it, he was yelling at me and saying I was like everyone else a talker I told him no I 'm not like that I told g I contacted you to pay that bill and not the other way around and it is not even my bill so he should be happy that I contacted him to pay it. He said if I would n't be like everyone else I should not have a problem to give him bank account information. I told him no you wait he would n't stop yelling at me so I hung up in him. Later XXXX I called with some questions and he was an XXXX again. My husband finally took the phone and asked for his supervisor she got in the phone with my husband and was rude as well. And they keep saying if y dot pay it today it will be more in XXXX days what dosent make since
05/09/2023	Yes	Debt collection Medical debt	Written notification about debt Didn't receive enough information to verify debt	CA 95823	Web
After reviewing my credit profile on XX/XX/ I identified a discrepancy with account listed under Universal XXXX XXXX and validation was requested as this was an account that i did not recognize. I reviewed my credit again on XX/XX/ and the account continues to reflect on my credit report and i have not received any correspondence from creditor to validate this account as correctly belonging to me, nor has my credit report been updated to reflect that the account disputed and therefore a 2nd validation letter was sent out on this day. After reviewing credit report again on XXXX there have been no updates and the account still reflecting on the report. I do not believe the account belongs to me nor do I believe the creditor has authorization to access the account nor authorization to attempt to collect on the account and the account continues to negatively affect me. Please strike and remove this account from all 3 credit bureaus until adequate validation has been received proving that the account belongs to me and all information is correct.
09/24/2015	No	Debt collection Other (i.e. phone, health club, etc.)	Improper contact or sharing of info Talked to a third party about my debt	CA 95355	Web	Servicemember
My husband had been contacted on XX/XX/XXXX and XX/XX/XXXX in which a message was left on his phone for me ( XXXX XXXX ) to call XXXX at Universal Recovery Corporation. On Monday XX/XX/XXXX I received a letter that I owe {$300.00} for a {$75.00} returned check. On XXXX/XXXX/2015 XXXX called my husband again but this time he answered and when he told her I was unavailable she continued to tell him about the money I owed, threatening a lawsuit and to ruin our credit, and then she brought up our XX/XX/XXXX bankruptcy. When my husband told her that he did n't think it was legal to be talking to him about my debt she became hostile and said " it 's legal in California ''. I have tried to resolve this debt, but any time I ask a question she just raises her voice and says I have to pay the full amount, its the law. The first contact received was on XX/XX/XXXX, so I do n't see how I can owe 3 times the delinquent amount.
03/13/2023	Yes	Debt collection Medical debt	Communication tactics Used obscene, profane, or other abusive language	CA 92201	Web
I called about a debt I didnt know I had as it appeared on my credit report. I called to make a payment and was treated like trash. Was told I couldnt settle because its a medical bill when I tried getting more information and dispute facts I was met with extreme prejudice stating that I was a person who didnt pay my bills and if I paid my bills I wouldnt be in this situation. I asked to speak with a a manger and was transferred back to the same person repeatedly and he told me I was going to deal with him and I didnt have a choice in who I spoke with. I was finally able to speak with XXXX XXXX Manager her name is XXXX XXXX told me she would take my advice and dismissed my complaint regarding his demeanor since she has never received any complaints for him in 13 yrs. Then she refused to take my payment over the phone. They cant treat people like this.
02/26/2018	No	Debt collection I do not know	False statements or representation Attempted to collect wrong amount	CA 95661	Web
When I received a letter from Universal Recovery Corporation dated on XXXX stating that I owed them money in the amount {$230.00} I then tried to negotiate and I was trying to settle a debt I allegedly owed and I sent them a letter that I was willing to negotiate and pay not the whole amount but {$150.00} ; the original creditor was from XXXX XXXX and was sold to this collection agency called Universal Recovery Corporation ; however, this agency has been harassing me calling my employer and leaving a voicemail not directly to me ; and calling my phone and my other friend multiple times leaving voicemail instead of replying back to me by mail. Today I received I letter stating that now I owed them XXXX ( please see the attached copy of the letter from Universal Recovery Corporaton and also my letter to them. Please Advise. Thank you.
03/26/2020	Yes	Debt collection Other debt	Written notification about debt Didn't receive enough information to verify debt	CA 92627	Web
XXXX XXXX has failed to close my month to month policy which I took out XX/XX/XXXX which I cancelled once I got new coverage. The policy was month to month so if I didnt renew there was no coverage. So I saw no need to renew if I didnt pay for the next month. XXXX XXXX has reported adversely in my credit report and sold the account to : UNIVERSAL RECOVERY CORPORATION XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX and have reported negatively on my credit for {$320.00} as of XX/XX/XXXX claiming that the account was opened XX/XX/XXXX by XXXX XXXX. I have disputed with XXXX to delete this multiple times and have requested PROOF OF DEBT from Universal Recovery and have received none. Can you assist on getting proof of this debt? Thank you in advance for your assistance
09/01/2016	No	Debt collection Medical	Communication tactics Threatened to take legal action	CA 955XX	Web
I told them to not contact my husband or myself at work and they did again. They told me and my husband that they will be attaching our wages. The caller also told us we had to call back by XXXX the next day after we made payments or they would take further steps to contact our employers. I made a payment on XXXX/XXXX/16 for {$58.00} and then on XXXX/XXXX/16 the called my husband at work and told him he had to make a payment, which he did make another payment. Then the guy told him if he did not call back by noon that he would start proceeding 's against us to attach our wages. We made 2 payments in 8 days and he still harasses us. He calls several times a day and does not leave a voicemail.
09/10/2015	Yes	Debt collection Medical	Disclosure verification of debt Right to dispute notice not received	CA 95833	Web
I am trying to make good on my payment with Universal Recovery XXXX, and I called them to pay the debt but I requested that I would like to make good on my debt IF, they would take my debt off, and clear my account so that it does not show up on my credit report anymore. Universal XXXX told me that they would not be willing to guarantee that. I asked them " why would anyone want to may the debt if it is not going to positively or accurately be displayed on their credit. Here I am trying to pay my debt. I also tried asking them if they would be able to mail me a letter stating that upon receipt of payment, we will take off the debt collection. They would not do that. What do I do?????
02/09/2023	No	Debt collection Other debt	Attempts to collect debt not owed Debt was result of identity theft	FL 33617	Web
XXXX XXXX is a 3rd party debt collection agency which according to The XXXX XXXX XXXX seeks to protect consumer financial privacy which Universal is invading my privacy. In pervious complaint I let them know they were committing identity theft because they shouldn't have my Nonpublic personal information which I never consent them to have. According to the XXXX XXXX XXXX XXXX the consumer have the right to opt-out if I don't want my information shared with certain nonaffiliated 3rd parties. Im exercising my rights to opt-out not to allow Universal RE to have my Nonpublic personal information. in attachment this is all included in ( NPI ).
04/12/2023	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt is not yours	CA 95820	Web
I recently discovered a debt on my credit report while trying to make a big purchase. The debt on my report does not belong to me. When I contacted the original collector and the collecting agency about this matter they told me that it was my debt and I had to pay it. I asked for documentation showing this was my debt because I never done any business with this company. They will not provide me with anything showing me my name, signature or contract pertaining this debt is mines. I would like this debt removed from my report as it is not mines. Original amount {$140.00} Debt collecting agency requesting {$200.00}
05/18/2018	No	Debt collection Other debt	Written notification about debt Didn't receive notice of right to dispute	CA 95377	Web
Hello, I am writing to dispute a collection reflecting on my credit report. Creditor : UNIVERSAL RE Amount : {$74.00} Date Opened XX/XX/XXXX This shows it's a debt for an insurance agency. I do not recall this payment and was not notified of this bill until I pulled my credit recently. I have called this creditor to get this resolved but they can not guarantee this can be removed even if I pay this. I would like to request this debt to be Removed from my credit report. Please let me me know what I have to do do get this removed especially since I do not know what this debt is for. Thank you, XXXX XXXX
10/25/2022	Yes	Debt collection Other debt	False statements or representation Attempted to collect wrong amount	CA 95961	Web	Older American, Servicemember
Debt collector was assigned by the original creditor to collect the remaining balance on a check for XXXX. Their records indicate that I made a XXXX payment leaving a balance of XXXX. The collection agency has reported to the credit reporting agency that the balance is XXXX. The debt collector among other charges is attempting to collect three ( 3 ) times the amount of the check per California XXXX XXXX XXXX ( a ) which requires a certified letter. On XX/XX/XXXX I contact the debt collector and their response was a notice of dishonored check dated XX/XX/XXXX which I have never received.
03/18/2016	No	Debt collection I do not know	Communication tactics Frequent or repeated calls	CA 953XX	Web
This company uses scare and intimidation tactics to collect on their debt. We noticed them that this is a recorded line and that we are asking them to not call until after XXXX becasue this is a business peak time. They continued to call 16 times and even called our neighboring business lied to them and said something is wrong wth our phones and asked them to walk over and hand is a phone. We asked them to communicate via email and not call our business line yet they continue to do so. We have recorded calls and phone logs of the abuse and harrassment but they do n't seem to care.
03/26/2015	No	Debt collection Auto	Cont'd attempts collect debt not owed Debt is not mine	CA 92648	Web
I was contacted today and told I owe a {$70.00} debt for a cancellation fee on auto insurance that is over 2 years old. I was never contacted by the insurance company to collect the debt so I do not think it is valid. I requested that the company provide me proof that the {$70.00} charge is legitimate. They claim they have had the account since XXXX 2014 but they have failed to provide me with any proof of this amount and they have never previously contacted me. They said this will damage my credit score if I do not pay immediately but they will not provide me with any proof!
10/30/2020	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Problem with a credit reporting company's investigation into an existing problem Was not notified of investigation status or results	CA 93203	Web
Where do I start. This is my SECOND complaint against XXXX XXXX. The first one in XX/XX/2020, they were very rude and disrespectful to me and of course that issues wasn't reply to. Now here we are again. I have a letter from them stating that the balance is {$77.00} and the interest was {$3.00}. Now when I call to pay the amount, XXXX is trying to tell me I owe {$200.00} XXXX!! I will gladly pay the {$77.00} but I AM NOT gon na pay more then that unless they can show me proof as to why the total has changed since the letter I have received from them on XXXX XXXX.
11/01/2017	No	Debt collection I do not know	Attempts to collect debt not owed Debt is not yours	CA 95621	Web
I went to check my credit score, and noticed it had dropped 50 points, due to a report from Universal Recovery attempting to collect a debt from XXXX XXXX. I had joined this gym for one month at a rate of {$19.00} a month, but, since I was moving, closed the account. I was informed the account was closed and recieved no notices, mail, advertisements etc. from them since, and this was a year ago. The recovery department is trying to say I owe over {$100.00}, which is absolutely false, and I need this reversed immediately as it is affecting my credit.
01/09/2016	Yes	Debt collection Other (i.e. phone, health club, etc.)	Cont'd attempts collect debt not owed Debt is not mine	KY 40205	Web
Universal RE is on my credit history for XXXX. I have no debt to them. When contacted XX/XX/XXXX, they acknowledged that it may have been from my childrens XXXX school class photo. I explained that we always paid by check and that after checking my records with banks ( in accounts that are now closed ) there were no overdrafts or ISF listed. They acknowledged I have no account or account numbers with them. This is from XX/XX/XXXX. Yet it is a mark on my credit. I asked that they remove it. They did not do it.
11/11/2015	Yes	Debt collection Other (i.e. phone, health club, etc.)	Cont'd attempts collect debt not owed Debt is not mine	CA 92504	Web
This company is collecting on a debt for an insurance company, who was continually charging for a policy that was canceled due to the XXXX required the Dealership to take back the vehicle as it was sold in with a salvaged tittle. The agency also has a second account from an insurance company, who has sent me to collections with no notice from them about this debt in over 2 years .... That collections agency is also charging additional fees
05/20/2022	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	FL 32839	Web
In accordance with the fair credit Reporting act XXXX Account # XXXX, has violated my rights. 15 USC 1681 Section 602 States I have the right to privacy. 15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions. 15 USC 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose.
04/28/2022	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Improper use of your report Reporting company used your report improperly	CA 91360	Web
In accordance with the fair credit Reporting act XXXX Account # XXXX, has violated my rights. 15 USC 1681 Section 602 States I have the right to privacy. 15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions. 15 USC 1666B : A creditor may not treat payment on a credit card account under open end consumer credit plan as late purpose. 7280
11/19/2018	No	Debt collection Other debt	Attempts to collect debt not owed Debt is not yours	CA 93722	Web
UNIVERSAL RECOVERY CORPORATION IS REPORTING ON MY XXXX SCORE FOR A BALANCE OF XXXX FOR XXXX XXXX. I NEVER BEEN TO XXXX XXXX OR UNIVERSAL REOCOVERY. I REQUEST FOR THIS COLLECTION TO REMOVED FROM MY CREDIT REPORT IN LESS THEN 30 DAYS IF NOT I WILL FILE A XXXX COMPLAINT AND DISPUTE WITH XXXX ALSO AND I ALREADY FILED A POLICE REPORT AND CONTACTING THE PROPER F.C.R.A ATTORNEY TO SUE I KNOW I CAN WIN EASY.
12/26/2018	Yes	Debt collection I do not know	Written notification about debt Didn't receive notice of right to dispute	CA 95624	Web	Older American, Servicemember
On XX/XX/XXXX Received debt collection call and letter on XX/XX/XXXX about a bill I was unaware of from XX/XX/XXXX for caregiving services. I was told I would be sued and my credit effected if do not pay. I had no past knowledge of this debt or late notices from the business. The amount was for {$2100.00} and no chance to dispute this bill for over 4 years and I was forced to pay or be sued.
05/24/2020	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt is not yours	CA 95758	Web
Universal Recovery Corporation has two collection accounts on my credit report. I have sent letters asking for verification of the debt and they refuse to order it to me. I have asked them to remove the negative reporting since they can not send me proper validation of credit to me, but instead state that they have it. One account is {$6000.00} and other account is {$470.00}.
09/09/2020	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	CA 93203	Web
On XX/XX/2020 I called Universal Recovery and spoke with a representative that was very disrespectful to me even called me " waist of time ". They refuse to help with me and said they don't do pay for deletion it company policy. The supervisor confirmed they don't have proof of the debt. I feel this should be taken off my credit report since they cant prove what it is.
02/06/2023	Yes	Debt collection Other debt	Written notification about debt Didn't receive enough information to verify debt	FL 33617	Web
Universal RE is in violation of my federally protected rights they using unfair and deceptive debt collection practices and invading my individual privacy which is a violation of 15 usc 1692a. Never had I did or give them consent to have my personally information which is identity theft which make them civilly liable and criminal liable.
12/07/2022	Yes	Debt collection Other debt	Written notification about debt Didn't receive enough information to verify debt	GA 30236	Web
Account was added to my collections account XXXX XXXX and XXXX. XXXXXXXX XXXX total amount {$550.00} opening date XX/XX/2020. Ive never received documentation or bills from this insurance carrier. I made initiative to call and very collections and when was their an option to settle or dispute, no results no options given.
03/18/2022	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt is not yours	CA 95341	Web
Universal recovery corporation placed an account in collections from XXXX XX/XX/XXXXunder my name for a vehicle that I sold and submitted release of liability through DMV from and did not legally own at the time of the accident and are therefore not responsible for any of the towing or storage fees
02/17/2017	No	Consumer Loan Installment loan	Problems when you are unable to pay	CA 90710	Web
I wrote a check to XXXX for {$300.00}. and I was going to mail in the check to Universal recovery and they wanted to charge me {$1200.00}. and they gave me a discount of {$420.00}. and I was still charged XXXX twice as a penalty so almost {$500.00}. total plus {$300.00} for the check I wrote.
06/05/2018	Yes	Debt collection Other debt	Threatened to contact someone or share information improperly Talked to a third-party about your debt	CA 95667	Web
The amount of debit is {$1700.00}. Call members of my family such as a ex brother in law and ex mother in law and shared info about my debit. I has also asked to have reduced payments and Was told that that wasnt an option that the collector may pursue legal action.
08/12/2019	No	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Account status incorrect	CA 92377	Web
Company has failed to properly show full proof of the account identity Also attempted on several occasions to return the material in question serial number XXXX This company is fraudulently billing me for services not rendered and refuse to remove from my report.
05/06/2023	Yes	Debt collection Medical debt	Written notification about debt Didn't receive enough information to verify debt	CA 92027	Web
I sent a debt validation to this company on XX/XX/23. I sent this via XXXX certified mail and it was delivered XX/XX/23 at XXXX. I asked for a debt validiation within 30 days and have no heard back from the company with any communication.
08/31/2021	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt is not yours	CA 95826	Web	Older American
Debt was owed by my son for a check from their bank account written on his and his ex wife 's XXXX account. XXXX has confirmed it is not me, but collector is still trying to collect and damaging my credit with a collection on my account.
09/10/2019	No	Debt collection Other debt	False statements or representation Indicated you were committing crime by not paying debt	NV 89156	Web
I have tried contacting the company on numerous occasions because they are attempting to collect a {$55.00} " debt '' for a vehicle insurance for a vehicle I no longer had.
07/10/2015	No	Debt collection I do not know	Cont'd attempts collect debt not owed Debt is not mine	CA 92114	Web
this debt just showed up on my credit report have no ideal who this company is have not received any notice via mail nor do i remember doing business with this company.
07/09/2021	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt is not yours	CA 94605	Web
I don't remember that I had an account with this collector/creditor. I've asked multiple times to send proof of ownership but you haven't complied with my request yet.
04/02/2015	No	Debt collection I do not know	False statements or representation Attempted to collect wrong amount	CA 95691	Web
i do not know where this debt originally occurred, and have no knowledge of the XXXX, and any of there products. i do not know how this got on my credit.
02/06/2018	No	Debt collection I do not know	Written notification about debt Didn't receive enough information to verify debt	CA 93727	Web
2013 This account is not mine. My wallet was lost and someone used my identity. Can you please remove this from my credit report is is affecting me.
12/18/2018	No	Debt collection I do not know	Attempts to collect debt not owed Debt is not yours	CA 93722	Web
I HAVE A ACCOUNT FROM UNIVERSAL RE ACCOUNT NUMBER XXXX BALANCE IS {$150.00} I DO NOT OWE THIS COMPANY ANY MONEY, IM REQUESTING A DEBT VALIDATION
09/17/2017	No	Debt collection I do not know	Attempts to collect debt not owed Debt was result of identity theft	CA 960XX	Web
I have no idea of what this company does. I XXXX the company and it 's a tanning salon. I have no knowledge of this. This is identity fraud. I
09/29/2020	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt was result of identity theft	FL 32208	Web
I recently obtained a copy of my credit report and noticed many accounts that I had no knowledge of.
04/23/2015	No	Debt collection Credit card	Improper contact or sharing of info Contacted employer after asked not to	VA 23112	Web
Called employer and told them they are a debt collection service
12/18/2023	No	Debt collection I do not know	Attempts to collect debt not owed Debt is not yours	CA 91207	Web

12/13/2023	Yes	Debt collection I do not know	Written notification about debt Didn't receive enough information to verify debt	CA 94544	Web

10/17/2023	Yes	Debt collection I do not know	Written notification about debt Didn't receive enough information to verify debt	CA 90068	Phone

07/02/2023	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Improper use of your report Reporting company used your report improperly	FL 33607	Web

06/27/2023	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	FL 33880	Web

05/11/2023	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 95823	Web

04/18/2023	No	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Improper use of your report Reporting company used your report improperly	FL 32244	Web

03/10/2023	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt is not yours	CA 95627	Web

02/23/2023	Yes	Debt collection Other debt	Written notification about debt Didn't receive notice of right to dispute	CA 95828	Web

02/13/2023	Yes	Debt collection Other debt	Communication tactics Frequent or repeated calls	CA 95843	Web	Servicemember

10/31/2022	Yes	Debt collection Other debt	Written notification about debt Didn't receive notice of right to dispute	CA 92056	Web

10/20/2022	Yes	Debt collection Other debt	Took or threatened to take negative or legal action Threatened or suggested your credit would be damaged	NY 14621	Web

07/12/2022	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt was result of identity theft	CA 91950	Web

06/22/2022	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt is not yours	CA 90802	Postal mail

04/29/2022	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt was paid	FL 32839	Web

04/27/2022	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt was result of identity theft	NJ 07065	Web

02/11/2022	Yes	Debt collection I do not know	Written notification about debt Notification didn't disclose it was an attempt to collect a debt	CA 90250	Web

07/23/2021	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt was result of identity theft	CA 95841	Web

05/30/2021	No	Debt collection Other debt	False statements or representation Attempted to collect wrong amount	FL 32839	Web

05/11/2021	No	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Account information incorrect	CA 95762	Web

03/02/2021	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt is not yours	FL 32839	Web

02/09/2021	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt is not yours	CA 94303	Web

01/28/2021	Yes	Debt collection Other debt	Written notification about debt Didn't receive notice of right to dispute	FL 32839	Web

09/17/2020	Yes	Debt collection Auto debt	Attempts to collect debt not owed Debt was paid	CA 95758	Web

09/09/2020	Yes	Debt collection Other debt	Written notification about debt Didn't receive enough information to verify debt	FL 32812	Fax

06/12/2020	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt is not yours	CA 90640	Web

05/02/2020	Yes	Debt collection I do not know	Written notification about debt Didn't receive enough information to verify debt	TX 77449	Web

02/26/2020	Yes	Debt collection I do not know	Communication tactics You told them to stop contacting you, but they keep trying	CA 95630	Web

11/20/2019	No	Debt collection Other debt	Attempts to collect debt not owed Debt is not yours	CA 94611	Postal mail

08/12/2019	No	Debt collection Other debt	Took or threatened to take negative or legal action Threatened or suggested your credit would be damaged	CA 95619	Web

06/12/2019	No	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Account information incorrect	TX 76134	Web

03/14/2019	No	Debt collection Other debt	Attempts to collect debt not owed Debt is not yours	CA 95630	Referral

11/28/2018	Yes	Debt collection Other debt	Threatened to contact someone or share information improperly Contacted your employer	CA 95826	Web

11/27/2018	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Account status incorrect		Phone

11/06/2018	No	Debt collection Medical debt	Communication tactics Used obscene, profane, or other abusive language	CA 95355	Phone

10/11/2018	No	Debt collection I do not know	Communication tactics You told them to stop contacting you, but they keep trying	CA 95525	Web

08/24/2018	No	Debt collection Other debt	Took or threatened to take negative or legal action Threatened or suggested your credit would be damaged	CA 95822	Web	Older American

07/16/2018	Yes	Debt collection Other debt	False statements or representation Attempted to collect wrong amount	CA 95307	Web

02/08/2018	Yes	Debt collection Other debt	Communication tactics Used obscene, profane, or other abusive language	CA 93307	Web

01/25/2018	No	Debt collection I do not know	Attempts to collect debt not owed Debt was result of identity theft	PA 19144	Web

10/18/2017	No	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	CA 90746	Web

09/07/2017	Yes	Debt collection Other debt	False statements or representation Attempted to collect wrong amount	FL 33713	Web	Servicemember

08/07/2017	No	Debt collection Other debt	Written notification about debt Didn't receive enough information to verify debt	CA 94080	Web

08/02/2017	Yes	Debt collection I do not know	Written notification about debt Didn't receive enough information to verify debt	CA 90044	Web

07/30/2017	No	Debt collection Other debt	Written notification about debt Didn't receive enough information to verify debt	CA 90804	Web

07/19/2017	No	Debt collection Medical debt	Attempts to collect debt not owed Debt was paid	CA 95758	Web

07/10/2017	Yes	Debt collection Other debt	Written notification about debt Didn't receive enough information to verify debt	CA 90804	Web

06/16/2017	No	Debt collection Other debt	Attempts to collect debt not owed Debt was paid	CA 95307	Phone

06/16/2017	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt was paid	CA 95307	Phone

05/15/2017	No	Debt collection Medical debt	Attempts to collect debt not owed Debt was paid	CA 95326	Web

03/30/2017	No	Bank account or service Checking account	Making/receiving payments, sending money	CA 90710	Phone

03/15/2017	Yes	Debt collection Medical	Disclosure verification of debt Not given enough info to verify debt	CA 65207	Web	Servicemember

02/19/2017	No	Debt collection Medical	Cont'd attempts collect debt not owed Debt was paid	CA 92842	Web

02/07/2017	No	Debt collection I do not know	Disclosure verification of debt Not given enough info to verify debt		Phone

12/01/2016	No	Debt collection Other (i.e. phone, health club, etc.)	Cont'd attempts collect debt not owed Debt is not mine	CA 95835	Web

11/21/2016	No	Debt collection Other (i.e. phone, health club, etc.)	Taking/threatening an illegal action Threatened arrest/jail if do not pay	CA 95747	Web

07/14/2016	No	Debt collection Other (i.e. phone, health club, etc.)	Disclosure verification of debt Not given enough info to verify debt	CA 95660	Postal mail

04/15/2016	Yes	Debt collection Medical	Disclosure verification of debt Right to dispute notice not received	CA 92882	Web

11/18/2015	No	Debt collection I do not know	False statements or representation Attempted to collect wrong amount	CA 94403	Web

10/28/2015	Yes	Debt collection Other (i.e. phone, health club, etc.)	Cont'd attempts collect debt not owed Debt was paid	CA 91790	Postal mail

10/21/2015	No	Debt collection Non-federal student loan	Cont'd attempts collect debt not owed Debt is not mine	CA 95602	Web

10/05/2015	No	Debt collection Other (i.e. phone, health club, etc.)	Disclosure verification of debt Not given enough info to verify debt	CA 91790	Postal mail

08/26/2015	No	Debt collection Auto	False statements or representation Attempted to collect wrong amount	CA 93306	Web

07/22/2015	No	Debt collection I do not know	Disclosure verification of debt Not given enough info to verify debt	CA 95340	Web

07/22/2015	No	Debt collection I do not know	Disclosure verification of debt Not given enough info to verify debt	CA 95340	Web

06/16/2015	No	Debt collection Other (i.e. phone, health club, etc.)	Cont'd attempts collect debt not owed Debt is not mine	CA 95112	Phone

05/05/2015	No	Debt collection Other (i.e. phone, health club, etc.)	Cont'd attempts collect debt not owed Debt is not mine	CA 95687	Web

03/04/2015	No	Debt collection Other (i.e. phone, health club, etc.)	False statements or representation Attempted to collect wrong amount	CA 93065	Web

01/31/2015	No	Debt collection Medical	Cont'd attempts collect debt not owed Debt was paid	CA 95762	Web

01/20/2015	No	Debt collection Other (i.e. phone, health club, etc.)	Communication tactics Used obscene/profane/abusive language	CA 95838	Web