URS Holding, LLC CFPB Complaints

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2000 Latest Complaints
Date Received Timely Response Product Issue State / Zip Submitted Via Tags
05/10/2023 Yes
  • Vehicle loan or lease
  • Lease
  • Managing the loan or lease
  • Loan sold or transferred to another company
  • OH
  • 443XX
 Web
It has recently come to my attention that the IRS, & the XXXX, and the federal courts have willfully been making Injurious " presumptions '' which prejudice my Constitutional rights by trying to associate me with the " XXXX sonans '', which is the all caps version of my XXXX name which is in fact a XXXX previnusly associated with a " public office '' in the United States government by virtue of the Social Security Number attached to it. Further information is to help clear up any presumptions and set the record straight. Destruction, Deprivation, Concealment, Defacing, Alteration, or Theft, of Property ; Including buildings, structures, equipment, furniture, fixtures, and supplies belonging to the XXXX XXXX will incur a penalty equal to the total new replacement costs of property, as indicated by XXXX XXXX, including but not limited to purchase price and labor costs for locating, purchasing, packaging, shipping, handling, transportation, delivery, set up, assembly, installation, tips and fees, permits, replacement of computer information and data, computer hardware and software, computer supplies, office equipment and supplies, or any other legitimate fees and costs associated with total replacement of new items of the same type, like kind, and/or quality, and quantity as affected items. The list and description of affected property will be provided by the XXXX XXXX and will be accepted as complete, accurate, and uncontestable by the agency, or Representative thereof that caused such harm or deprivation of rights. In addition to the aforementioned cost, there will be a {$200000.00} ( XXXX XXXX XXXX ) US Dollars per day penalty until property is restored in full, beginning on the first day after the occurrence of the incident, as provided by this Contract. XXXX. False swearing : ( a ) False swearing in official matters. A person who makes a false statement under oath or equivalent affirmation, or swears or affirms the truth of such a statement previously made, when he does not believe the statement to be true is guilty of a misdemeanor of the second degree if : ( 1 ) the falsification occurs in an official proceeding; or ( 2 ) the falsification is intended to mislead a public servant in performing his official function. I XXXX ; private man ; now make it known to all interested parties : Whereas This Constitution, and the Laws of the United States which shall be made in Pursuance thereof ; and all Treaties made, or which shall be made, under the Authority of the United States, shall be the supreme Law of the Land ; and the Judges in every State shall be bound thereby, any Thing in the Constitution or Laws of any state to the Contrary notwithstanding. [ Article VI section 2 ] XXXX XXXX : Notice of Fair Debt Collections Practices Act ( FDCPA ; 15 USC 1692 et seq ) Violation ( s ) : 15 U.S. Code 1692c - Communication in connection with debt collection ... without the prior consent of the consumer given directly to the debt collector or the express permission of a court of competent jurisdiction. 15 U.S. Code 1692e False representation or implication that the debt collector is vouched for, bonded by, or affiliated with the United States or any State, including the use of any badge, uniform, or facsimile thereof... The false representation or implication that any individual is an attorney or that any communication is from an attorney. 15 U.S. Code 1692f A debt collector may not use unfair or unconscionable means to collect or attempt to collect any debt. Maybe : XXXX XXXX : 15 U.S. Code 1692g Failure of a consumer to dispute the validity of a debt under this section may not be construed by any court as an admission of liability by the consumer. 15 U.S. Code 1692i Nothing in this subchapter shall be construed to authorize the bringing of legal actions by debt collectors. Other violations : 12 U.S. Code 411- Issuance to reserve banks ; nature of obligation ; redemption 18 U.S. Code 8 - Obligation or other security of the United States defined 18 U.S. Code 914 - False personation ; Creditors of the United States 18 U.S. Code 1341 - Frauds and swindles XXXX XXXX : The Sixth Amendment guarantees the rights to a public trial without unnecessary delay. Notice of Fact There was a Conspiracy against my rights Pursuant to 18 U.S. Code 241 If two or more persons conspire to injure, oppress, threaten, or intimidate any person in any State, Territory, Commonwealth, Possession, or District in the free exercise or enjoyment of any right or privilege secured to him by the Constitution or laws of the United States, or because of his having so exercised the same ; or If two or more persons go in disguise on the highway, or on the premises of another, with intent to prevent or hinder his free exercise or enjoyment of any right or privilege so secured They shall be fined under this title or imprisoned not more than ten years, or both ; and if death results from the acts committed in violation of this section or if such acts include kidnapping or an attempt to kidnap, aggravated XXXX abuse or an attempt to commit aggravated XXXX abuse, or an attempt to kill, they shall be fined under this title or imprisoned for any term of years or for life, or both, or may be sentenced to death. The below Undersigned Principal, XXXX : XXXX on behalf of the XXXX XXXX XXXX XXXX XXXX, herewith includes proof of the original issued instrument for basis of future value predicated on Certificate of Live Birth under Number XXXX. Current value accepted and issued as credit as indicated at the same amount as this bond. All endorsements front and back, to be attached to the original. The Undersigned Principal being the only known legitimate party having ameliorated value into aforesaid, contributing of the credit assured therein Tendered in accordance with all applicable laws including but not limited to UGC 1-104 and Public Law 73-10 and Chap. 48, 48 Stat. 112. SEE BOND The aforementioned charges are billing costs derived from, but not limited to, Uniform Commercial Codes, the Fair Debt Collection Practices Act and this Contract. These charges shall be assessed against persons, governmental bodies, and corporate entities supra, or any combination thereof when they individually and/or collectively violate the Undersigned/Trust rights, privileges, capacities, and immunities under the Constitution for the united States of America XXXX the Honorable Bill of Rights and/or Constitution of the State of CALIFORNIA, each of which establishes jurisdiction for you in your normal course of business. All violations against the Undersigned/Trust will be assessed per occurrence, and individually and personally ; Representative of any branch of government, agency, or group that is involved in any unlawful action against The Undersigned. By your actions, carried out to The Undersigned/Trusts harm, said actions being ultra vires of the limits of power properly placed on the exercise of authority and power of such office and made in conflict with your oath ( s ) of office or of that of your principal you shall lack recourse for all claims of immunity in any forum. Your knowing consent and admission of perpetrating known acts by your continued ultra vires enterprise is a violation of The Undersigned/Trust rights, privileges, capacities, and immunities. This Statute Staple Securities Instrument exhausts all state maritime Article 1 administrative jurisdictions and protects Article III court remedies, as guaranteed in the Constitution for the united States of America, including but not limited to Title 42 U.S.C.A, Title 18 U.S.C.A ( including, but not limited to 242 thereof ), and Title 28 U.S.C.A. In short All Rights Reserved.
05/30/2018 Yes
  • Debt collection
  • Federal student loan debt
  • Written notification about debt
  • Didn't receive enough information to verify debt
  • MI
  • 480XX
 Web
In XX/XX/XXXX, I changed my last name back to my maiden name. At the time, my loans were in deferment status. I was getting e-statements. And I was unable to login online. Every two months, I called the servicer to try to login and view my account. The website kept saying there was a name social security mismatch. Calls were made to the service center regularly. I was always transferred to a manager because no one could resolve the issue. I started going back to school because I didn't have the money to pay them back and I was hoping the education would help me to find a decent job. In XX/XX/XXXX, I was still unable to login to my account. I asked for help from a supervisor again. Each time I spoke with someone, no one was able to resolve the issue. So I applied for a forbearance in XX/XX/XXXX. Then I took a couple of classes. And I deferred in XX/XX/XXXX. I still wasn't able to see my account. Again, I applied for forbearance XX/XX/XXXX, and deferred again in XX/XX/XXXX. I was still making regular calls to the service center, but no one was able to resolve the login information. In XX/XX/XXXX, I got XXXX and I got laid off at the same time. I was very sick and under duress, I applied for a consolidation loan. I still had no real proof of the prior debts or the accounting. And I didn't know that it was my right to request that. And I was still unable to view my account online, due to the name/social security mismatch. When I called the service center and asked what my consolidated interest rate was, I was told it was 6.8 %. Another time, I was told it was 5.25 %. Another time I was told it was 5 %. Three different people, three different fixed rates were quoted. In XX/XX/XXXX, I started requesting documentation for the accounting. I was told that it would be sent out on 3 occasions. Each time, I waited for 30 days ( because they told me it would take 30 days ) and I didn't receive it. So I would call back and request it again. In XX/XX/XXXX, I finally received a partial contract from XX/XX/XXXX. But it was a front page and that's it. After this, I received a letter asking me if I wanted to have a hearing. I responded to the letter by saying yes, I wanted to have a hearing. But the loan servicing agency said they never received it. I started to do some research and discovered in XX/XX/XXXX that I have to send all requests certified, in order to make sure that they receive them. Since, the alternate methods haven't worked. So in XX/XX/XXXX, I sent out letters to all the parties involved in my loans, requesting documentation of original notes and all accounting for the loans. I didn't receive any of the information I asked for within 30 days. In fact, I didn't receive any of the documentation I requested at all. I requested a hearing in writing, again. I confirmed last week that the documentation asking for the hearing was received in XXXX. Nothing has happened as a result of that. On XX/XX/XXXX, I received a letter informing me that the debt collector intercepted my federal tax return. I was NEVER notified of this. So I called the collection agency. I was transferred to a supervisor, who hung up on me. I was told by the person answering the phone that the banks who fund student loans can charge up to 24 % in interest. And I asked to see that in the contract. She told me that she couldn't help. She said they don't have to notify me if they're intercepting a tax return. She transferred me to her " supervisor '' who hung up on me. I called back and spoke to another agent. He told me that I could ask for a hearing with the dispute resolution board and he would document my file. He said that I would be getting a form within 7-10 days and they will answer it within 30 days ( although I sent one in XX/XX/XXXX and they have still not responded to it ). He told me that the loan originators have 6-8 weeks to provide the documentation I requested. However, the lawyers I work with have told me that they have 30 days. I've attached the most recent requests for documentation. I would like to have a hearing resolving the accounting of these debts because I believe that the loan servicers have unethically inflated interest rates and charges outside of the contract terms. And I want proof of the validity of all debts associated with my name and social security number. In addition, XXXX recently took over this debt as a collector. They never informed me that they were going to garnish my tax return. They told me that " they didn't have to ''. They also added an additional {$8000.00} in fees. I have never signed any contract with them for servicing. And the prior servicing providers and lenders have been unable to provide the contracts associated with the debts. They are unfairly assessing fees without any contracts or validation of debt.
01/24/2021 Yes
  • Debt collection
  • Credit card debt
  • False statements or representation
  • Attempted to collect wrong amount
  • PA
  • 18045
 Web
XX/XX/XXXX enrolled in XXXX XXXX XXXX program. XX/XX/XXXX program began. XXXX ACCOUNT # XXXX ( JOINT ) In XXXX XXXX I approved a settlement for XXXX # XXXX for {$5200.00} ( Balance was {$10000.00} ) however the funds were paid to XXXX XXXX XXXX not United Recovery Systems who was handling the collection the balance they reflect is {$11000.00}. XX/XX/XXXX I spoke to XXXX to inquire why my XXXX account was showing up in my XXXX XXXX XXXX XXXX XXXX ) account status as Upcoming-Account not Ready whereas this account was settled on XX/XX/XXXX. XXXX escalated the discrepancy but suggested I obtain a paid in full letter from XXXX XXXX XXXX. I attempted to reach out XXXX continuously the line was always a continue busy signal and XXXX could not provide any other number nor could I find one. XXXX XXXX I was notified via mail from XXXX XXXX the {$5200.00} was deposited back to my XXXX dedicated account due to a Data Breech caused by a XXXX employee and a third party. XX/XX/XXXX I applied to refinance my XXXX XXXX, XXXX Investment home only to find out the XXXX Account was reflected on my credit report as charge off with a balance of {$11000.00} this caused me to not be able to move forward with the refinance until I am able to have the charge off reflect {$0.00}. XX/XX/XXXX I reached out to XXXX XXXX XXXX assisted me to again escalate the XXXX account it was turned over to XXXX XXXX XXXX to resolve on my behalf. XX/XX/XXXX my husband and I were required to e-sign a POA for XXXX XXXX XXXX to act on our behalf to address the XXXX open account issue. I was contacted by XXXX XXXX XXXX who advised me that XXXX XXXX XXXX advised XXXX XXXX that XXXX was no longer collecting on the account as it was too old and it was charged off XX/XX/XXXX which is 14 months after the date I approved the settlement on XXXX # XXXX which was paid to XXXX fraudulently. My concern was does the XXXX account now come off my credit report and I was advised I should wait 30- 90 days for it to come off the report and if not call XXXX directly. I checked my credit report on XX/XX/XXXX only to find out XXXX Acct XXXX was still reflected as charge off with the balance of {$11000.00}. When I contacted XXXX XXXX I was advised the account was too old to collect on it was charged off XX/XX/XXXX and just because it was charged off doesnt mean they will report it as a XXXX balance unless its paid. I explained as far as I knew in XX/XX/XXXX it was settled and explained the entire fraud issue. All she could advise was if I wanted a XXXX balance to be reflected I had to pay it. Two addresses to send payment XXXX XXXX XXXX XXXX XXXX XXXX, Az XXXX Attn : Payment Dept. Or over night XXXX XXXX XXXX XXXX XXXX, XXXX. XXXX, XXXX XXXX, XXXX, KY XXXX Reference my name ; last 4 of SS # and Acct # XXXX. She advised there could be no negotiation for a lower amount it exceeded the statue of limitation and even if I did not have XXXX remove this account from my program they would not be able to negotiate because it exceeded the Statue of Limitation. So because this account was part of a data breech this caused the XXXX Account to no longer be able to be negotiated and XXXX never acted further on the account to resolve it even though it was part of the data breech all they did was deposit the amount of the funds they paid out to XXXX back into my XXXX dedicated account. The amount of {$5200.00} that was deposited into my XXXX account is still in the account I did not take the funds back. It is imperative I get this matter resolved so I can clear this discrepancy from my credit profile and be able to move forward with a refinance as was my initial intention until I learned about this issue. Please advise if you can assist me with this issue. I feel the " free '' legal counsel XXXX provided to handle this discrepancy did not act favorably on my behalf whereas they simply advised XXXX stated they would not longer collect on the account it was too old and XXXX " free '' legal counsel advised me to authorize this account to be removed from my program and did not confirm the " charge off '' would be reflected with a XXXX balance on my credit profile just simply advised I had to wait for it to be amended on my report 30-90 days. I have attached documentation to support the information reflected above. .
07/22/2016 Yes
  • Debt collection
  • Credit card
  • Communication tactics
  • Frequent or repeated calls
  • AZ
  • 857XX
 Web Older American
Several months ago, I fell behind with XXXX credit cards due to a XXXX. About two months after, I started to get calls from XXXX XXXX XXXX with different phone numbers being used ( one of the creditors ) with immediate following calls from United Recovery Systems from all over the country. These calls would come in several times a day from this place. I know from past experience after my XXXX was totaled by an uninsured motorist and being put on XXXX that when a creditor hires a collection agency to collect a debt on their behalf, you will get " validation notifications '' informing the debtor they have been hired by?? to collect a debt, name of company they are representing, total amount of debt due, which would be on the letterhead of the debt collector with name, address, and phone number. No such letter has ever been received from any debt collector that XXXX XXXX XXXX has hired them to collect the debt that I owe ( and normally this occurs after some months have passed ). I started to do some research on these phone numbers coming in and have found that the calls being received from who I am led to believe are from XXXX XXXX XXXX or XXXX XXXX XXXX as seen on my call log, are coming from a number ( XXXX ). No messages are left by this number, but when I have tried to call this number back, it says that this number has been temporarily disconnect or temporarily busy. My return call does not even go into the back where you would get a greeting such as : You have reached XXXX XXXX XXXX Collections Dept. ; our representatives are busy with other calls, please stay on the line and your call will be answered in the order it was received. This is not the way banks, companies, etc. handle incoming calls in today 's world -- you do not get a message that the number is temporarily disconnected/busy. I filed a complaint against this United Recovery Systems with the XXXX of XXXX XXXX when I found out they had contacted my XXXX year old Mother who has XXXX and upset her so bad that she thought she had to get an attorney -- my Sister had a hard time getting her settled down after my Sister had talked to me. They asked if she was XXXX XXXX and she said yes and did she have a daughter by the name of XXXX XXXX, what was said after this we do n't know as Mom could not remember ; but found out that a call had come in to her from XXXX of these numbers being used by United Recovery Systems. I now know that the calls that are identified XXXX or XXXX XXXX XXXX ( my statements show the name as XXXX XXXX XXXX, not XXXX ) are not coming from XXXX XXXX XXXX ; this debt collector is using unfair deceptive business practices and fraudulent collection tactics which I term as a phising expedition to obtain personal information from me. Since filing the complaint with the XXXX of XXXX XXXX, I am now getting calls from XXXX XXXX XXXX and the same numbers as before are coming in from all over the country. These are unscrupulous debt collectors taking on the identity of XXXX XXXX XXXX to collect a debt that they have not been hired to collect. I have also gotten in a letter, on XXXX paper, saying this was the IRS Negotiations Dept. ( no letterhead such as anything coming from the IRS ) saying they can do whatever at a cost of {$3100.00} with regards to the IRS. I got another letter in on hot pink paper ( no name of company, address, etc. appearing ) to call this number as they collect debts for XXXX, XXXX, XXXX XXXX, etc. This was not a validation notification. This is a scam being perpetrated by this United Recovery Systems without the knowledge of XXXX XXXX XXXX ( of this I am now sure ). Until such time that I receive legal validation notices, this is a scam that is to cease and desist!!
10/20/2015 Yes
  • Debt collection
  • Other (i.e. phone, health club, etc.)
  • Disclosure verification of debt
  • Not given enough info to verify debt
  • IL
  • 60440
 Web
I received a phone call on XXXX/XXXX/2015 from Enterprise Recovery Solutions ( ERS XXXX stating that I owed the College XXXX {$1000.00}. I asked what the money was owed for and they were unable to tell me. I stated that I did not believe I owed them any money as I had previously received financial aid and student loans to pay for my tuition and no other debts were owed to the college. I asked them to send me proof of the money owed and what the debt was for. I never heard back from them. 6 months later this company reported me to the credit bureaus for this debt as a failure to pay. I sent a letter to the company on XXXX/XXXX/15 and received no response. I called the company on XXXX/XXXX/15 and spoke with a representative who said I must speak with a supervisor and I left a voicemail however never received a phone call back. On XXXX/XXXX/15 I emailed ERS via their online " contact us '' option and never heard back from them. After a little bit of back and forth I was able to determine that this debt is valid by contacting the college directly. I filed a complaint XXXX on XXXX/XXXX/2015 at that point I finally received a response. The responder XXXX XXXX was a little dishonest as she stated that I had been contacted several times since XXXX/XXXX/2015 in her first response XXXX. She stated that there were no records of inbound calls nor voicemails from me. In my reply I provided validation of my phone calls and letters sent to ERS. With her second reply she then stated that a letter was mailed to the address on file XXXX/XXXX/15 and then again on XXXX/XXXX/2015 and confirmed that yes I did call ERS but now there were no records of a voicemail for a supervisor. XXXX Not everyone practices integrity and it is not hard to believe that a supervisor would not admit to receiving the voicemail and not returning the phone call as they would not want to risk their position ). XXXX XXXX also stated in her second response XXXX that the collection had been reported accurately as disputed however I am not disputing the information, I ONLY ASKED FOR FURTHER INFORMATION TO ADVISE WHAT THIS DEBT WAS OWED FOR AND TO VALIDATE IT. I asked ERS if I could set up a payment option ( which I did XXXX and asked them to remove this collection from my credit report since I was never given the information that I had requested back in XXXX 2015 nor was I given an oppurtunity to pay the debt. I later forgot about the debt and assumed that the company had recognized their error which is why I never heard back. When I spoke with XXXX XXXX via phone at ERS on XXXX/XXXX/2015 she confirmed that since the first contact with me on XXXX/XXXX/2015 there were no further attempts to collect this debt. She also stated that the " letter '' that was mailed to me on XXXX/XXXX/2015 was received back in their office on XXXX/XXXX/2015 for non-delivery. ( This alone proves that I did not recieve the validation ) I do not understand why I must be penalized for seeking verification for a debt that I did not know exsisted by having my credit affected with a collection item that I am more than willing to resolve. the company has already received my banking info for payments but refuse to remove the collection even though I never refused to pay and did not even get an option previously to verify the debt nor set up an arrangement. It is not like I was ignoring them or told them I would not pay, I only wanted to know it was valid. All I ask is that this company remove the collection item from my credit files.I have attached the activity ( responses ) from my complaint with the XXXX as well as the attempted contact I initiated with both ERS and the college to gain understanding.
08/28/2016 Yes
  • Debt collection
  • Credit card
  • Communication tactics
  • Threatened to take legal action
  • CA
  • XXXXX
 Web Older American
United Recovery Systems , LP XX/XX/XXXX XXXX XXXX XXXX, TX XXXX Attn XXXX XXXX I had a credit card with XXXX XXXX and I got behind in my payments. I am XXXX years of age. My XXXX of over 40 years began bringing in less and less money, starting in XX/XX/XXXX, because it is dependent upon the construction industry. The construction industry was in a downward spiral at that time and is just now coming out of its decline. We took on more debt than we ever had before, just to keep things going. My wife had always handled the finances, ran the household, cleaned the house, did the laundry, shopping, cooking, etc., and, in general, took care of our XXXX XXXX dogs, me and everything else. She also worked for XXXX, which were very time consuming, but she did them quickly. Unfortunately, my wife was stricken with XXXX XXXX, which affects people in different ways. XXXX. So, whenever necessary, I help her with whatever she needs. I also try to do the household things my wife used to do, but am falling very short of that. In addition, I do not do " the time consuming reports quickly. '' In fact, sometimes they seem to take me forever with all of the interruptions and additional things I am now responsible for. I am trying to deal with my situation, but it really is dire. Further, money is so tight that we can not afford to eat healthy. When a company demands a large payment with the threat that they will charge off our bill if I do not pay it, our " food money '' is the only place to take the funds from. I was re just asking for some time and consideration. As I said above, I had a credit card with XXXX XXXX and I got behind on my payments. I should also mention that I had XXXX other credit cards, and other assorted bills, and I got behind in my payments on all of them, as well. I usually pay my bills by telephone, so each time I called XXXX XXXX XXXX to pay my bill, I received a lecture about my payment being late, at which time I would again explain my situation.. They told me my situation was considered a " hardship, '' so I needed to speak to a Debt Counseling Company. I had already spoken to one called XXXX XXXX XXXX. I guess XXXX XXXX sold my account to XXXX when I got behind in my payments because suddenly XXXX was calling me constantly. I explained my situation to the XXXX employees. XXXX continued to make its same demands, while I explained to them, over and over again, that I could only promise to pay {$50.00}, until things improved. On XXXX XXXX, XXXX, I paid XXXX {$50.00}, on XXXX XXXX, I paid {$160.00}, which included the money we needed to buy food. I supposedly had to pay that amount to keep them from charging it off. I begged them not to charge it off because there was no way I could pay the entire balance, which I also constantly explained to them. On XXXX XXXX and XXXX XXXX, I paid XXXX {$50.00}. Then, on XXXX XXXX, XXXX, XXXX told me I had to pay an additional {$250.00} or they were going to charge off my account. As usual, I begged them not to charge it off because I could not afford to make payments, let alone the over XXXX dollar balance, so I paid XXXX the {$250.00}. On XXXX XXXX, XXXX, I called XXXX to make a payment, but was told they had charged it off and that my dept had been sold to United Recovery. I called United Recovery. I told XXXX XXXX that I wanted to make a {$50.00} payment. He said that I had to pay the entire XXXX. I told him there was no way I could pay more than {$50.00}. He said I would have to talk to XXXX XXXX. I explained the situation to her, that I could not pay the full amoun
03/15/2018 Yes
  • Debt collection
  • Federal student loan debt
  • Written notification about debt
  • Didn't receive notice of right to dispute
  • OR
  • 97236
 Web
On XX/XX/XXXX, I requested a copy of my Treasury Offset Notice ( from the Treasury Offset Program/TOP ), in regards to XXXX XXXX collecting on behalf of the US Department of Education ( lender ) & XXXX XXXX & XXXX XXXX ( XXXX XXXX ). My state offset was {$990.00}, & my federal was {$5600.00}. I dont believe XXXX XXXX met the Due Process Prerequisites outlined on the " Treasury Offset Program Summary of Program Rules & Requirements ''. I never heard of XXXX XXXX until this past Monday. They never contacted me. When I contacted them, they said they received my student loan account in their office on XX/XX/XXXX. How is it possible that they met the requirement of a 60-day prior notice to the debtor of intent to offset? My tax returns were filed electronically on XX/XX/XXXX. The 60-day mark from the date they received my account in their office is XX/XX/XXXX, and thats not even taking into account the XXXX and XXXX XXXX Holidays. I never received a letter from them. The Due Process Prerequisites were not met. They claimed they did not have a phone # for me, even though I have had the same # for over 10 years. In addition to this, it appears there may be some sort of mix-up with who my offset maybe should have been disbursed to. When I call the Treasury Offset # ( XXXX ), it states that my tax offset was from the Department of Education, and I can contact them at XXXX & XXXX. The first # does not lead to XXXX XXXX, or the Department of Education. It leads to XXXXs XXXX XXXX XXXX XXXX XXXX. XXXX IS NOT the creditor that took my monies. In addition, if XXXX & XXXX both had offsets pending simultaneously, how is it that XXXX received the monies before XXXX, even though XXXX has had my account since XX/XX/XXXX? I am asking you to please certify that the monies paid out to XXXX was lawful, & please confirm that the request submitted to the " TOP '' was from XXXX XXXX & was valid, legally enforceable in the amount submitted and that all due process has been completed. They have added over {$4000.00} in collection fees to 3 loans that originally equaled to {$9100.00}. They are known for their dishonest, predatory, shady & abusive collecting practices ; The Department Of Education cancelled the contract they had with them in XX/XX/XXXX ( when they went by the name XXXX XXXX XXXX ). It was just last year, under the new Trump Administration, that the contract was re-established, despite XXXX/XXXX being accused of misleading distressed borrowers at very high rates, illegal debt collection practices & high incidences of materially inaccurate representations. Also, XXXX has added over {$4000.00} in collections fees to the 3 loans they have. they said that once I complete my 9 payments ( rehab program that I enrolled in with them ), {$3900.00} of those collection fees will drop off. Is this accurate/true for the rehab program? It sounds very fishy, so I want to make sure I'm not being taken advantage of in this aspect as well as my tax offset. This tax offset has put my family in a very bad situation. To have this happen to us with no notice is one of the most upsetting events that Ive ever experienced, and its caused a lot of emotional distress. I am asking for the CFPB to please look into my tax offset case, and please determine whether or not everything was filed correctly. If not, please rescind the offset & issue my due refund in a rush ( with emphasis ). I have also attached supporting documentation to assist you in your investigation. Thank you for reading. Respectfully, XXXX XXXX XXXX
01/05/2020 Yes
  • Student loan
  • Federal student loan servicing
  • Dealing with your lender or servicer
  • Received bad information about your loan
  • CA
  • 90703
 Web
XX/XX/19 - After initiating contact with XXXX XXXX XXXX 's student loan department, I was informed that my Federal Perkins loan in default status, which " accelerates the loan, which requires for the borrower to pay the loan in full ''. The XXXX loan representative directed me to the servicer, XXXX XXXX, so that I could inquire about the loan balance & reverse loan acceleration. XX/XX/19 - XXXX XXXX informed me that because the account was past due, it would not be able to reverse acceleration. XXXX 's representative confirmed the same and then directed me to set up payments with a separate collection agency, Alltran Education. XX/XX/19 - I received a 'Federal Perkins Loan Rehabilitation Agreement ' letter from Alltran Education which outlined the loan rehabilitation process & indicated a total due amount of {$3100.00}, with {$2400.00} in principal. This agreement also had several errors, including invalid payment due dates ( due dates were set on the XXXX of each month ) and the incorrect number of total payments ( 8, as opposed to 9 ). XX/XX/19 - I sent an email asking for clarification on the invalid figures above. XX/XX/19 - XXXX loan representative confirmed that the Alltran Collator entered the invalid information and would send me a revised agreement. The XXXX representative also directed me to inquire about postponing the start of the rehabilitation process, since the XX/XX/19 rehabilitation agreement indicated the first payment was due on XX/XX/19. XX/XX/19 - I received a second letter itemizing this account. This letter showed a total due amount of {$2400.00}, with {$1900.00} in principal, which conflicted with the itemization I received on XX/XX/19. Alltran sent me a revised Loan Rehabilitation Agreement, but the first payment due date was still set to XX/XX/19. Due to the 20-day grace period for payments, I signed the revised Loan Rehabilitation Agreement and emailed it to Alltran. XX/XX/19 - I sent emails to both XXXX & Alltran Education regarding the discrepancies for the loan 's balance, which went unanswered. XX/XX/19 - I made my first payment and emailed both XXXX and Alltran requesting a signed copy of the Loan Rehabilitation Agreement, but both entities declined my request for a signed Loan Rehabilitation Agreement. XX/XX/19 - By this date, 7 of 9 rehabilitation payments were made. I requested a payment history from Alltran Education. XX/XX/19 - Alltran Education sent me two payment history reports. Both reports seemed to pertain to this account, but there were major discrepancies between the two reports. For example, the dates of all payments differed between the two. Additionally, the amount of each payment allocated towards accumulated interest differed as well. XX/XX/19 - I received a letter from XXXX XXXX, RE : Tax Offset for Student Loan Debts Owed to the University of XXXX. This mail informed me to make a payment online at XXXX XXXX 's website, which I was previously informed was not an option. In summary, the University of California - XXXX XXXX delegates its debt collection activities to two different entities : XXXX XXXX and ALLTRAN EDUCATION INC. This places undue burden to individuals with student loan debts because the loan servicer and debt collector give conflicting information regarding the details of the loan. Furthermore, all three entities have failed to provide me a signed copy of the Federal Perkins Loan Rehabilitation Agreement, while threatening tax refund interception in excess of the agreed upon monthly payments.
05/20/2016 Yes
  • Student loan
  • Federal student loan servicing
  • Dealing with my lender or servicer
  • Trouble with how payments are handled
  • MD
  • XXXXX
 Web
After owing for student loans with XXXX for my son and XXXX University for self, for so long, I received a phone call on XXXX XXXX, XXXX, and I made a payment of {$50.00}, to XXXX, on my student loan, that was obtained in XXXX, with a promise to pay off the loan for good when offered to do so when I received my income taxes. On XXXX XXXX, XXXX, I paid {$1400.00}, to pay my account off in full. I did not receive a final statement, but I paid this amount via my checking account, see information attached. My student loan was finally paid off, I was very relieved and satisfied that this account was paid in full, no more statements, no more phone calls. One year and two months later, I receive a statement dated XXXX XXXX, on XXXX XXXX letterhead, with the statement billing date for billing period XXXX to XXXX, stating that I owe {$5300.00}, for my student loan. I received a statement dated XXXX XXXX, XXXX, on Enterprise Recovery Systems , Inc. letterhead, stating that I owed {$1400.00}, the amount I paid off, on XXXX XXXX, XXXX, minus the XXXX cents and another amount of {$5600.00}, totally {$7100.00}. I received a statement dated XXXX XXXX, XXXX, on XXXX XXXX letterhead, stating that I owed {$1800.00} and {$2900.00}. I spoke with customer service agent, XXXX, at XXXX, from XXXX XXXX, on XXXX XXXX, XXXX and requested a statement of my loan and status. I received a statement dated XXXX XXXX, XXXX, ( see attached ) from XXXX XXXX, regarding my request, stating that my loan was charged off on XXXX XXXX, XXXX and the other was charged off on XXXX XXXX, XXXX. After Enterprise Recovery Systems, Inc. received this information I received from XXXX XXXX, explaining my loan status, I began to receive statements from XXXX, stating that I owe a balance of $ XXXX. At this time, my loan was in the hands of Enterprise Recovery Systems , Inc. when I paid the amount of {$1400.00} on my loan, and was told that my loan would be paid in full, by paying {$1400.00} on XXXX XXXX, XXXX. I was not notified of any payments for one full year. I had every reason to think that my loan was paid in full. When I received a notice one year and two months later in XXXX of XXXX, it was then that I became aware that something was wrong. I spoke with several people from XXXX, and nothing was ever done about the {$1400.00}, that was paid on XXXX XXXX, XXXX, as if nothing had happened and the money I showed as having paid, just disappeared and no credit was recognized on my student loan that it had been paid in full. I can not afford to give money away and I want to pay my bills. At this time, I am presently attending XXXX and I am unemployed and do not want to pay for something that has been paid many times over. I filed a complaint with the XXXX on XXXX XXXX, XXXX, XXXX : XXXX, Complaint ID # : XXXX, Business Name : Enterprise Recovery Systems , Inc . On Tuesday, XXXX XXXX, XXXX, I received a call from XXXX XXXX, who offered me a pay-off amount, I explained that this loan amount was paid and I do not owe any monies for this loan. XXXX XXXX asked me to send him an explanation of my account and to fax it to him ( see attached ). I faxed a letter stating the same information I 'm explaining to you. On XXXX XXXX, XXXX, I forwarded my statement to XXXX XXXX at : XXXX. On XXXX XXXX, XXXX, I received the following statement at my XXXX email, stating : ( attached ), Current Principal Balance ( not including interest ) : {$7000.00} Outstanding Interest : {$55.00} **Interest accrues daily
12/18/2019 Yes
  • Debt collection
  • Federal student loan debt
  • False statements or representation
  • Attempted to collect wrong amount
  • CA
  • 90703
 Web
XX/XX/19 - After initiating contact with XXXX XXXX XXXX XXXX student loan department, I was informed that my Federal Perkins loan in default status, which " accelerates the loan, which requires for the borrower to pay the loan in full ''. The XXXX loan representative directed me to the servicer, XXXX XXXX, so that I could inquire about the loan balance & reverse loan acceleration. XX/XX/19 - XXXX XXXX informed me that because the account was past due, it would not be able to reverse acceleration. XXXX XXXX representative confirmed the same and then directed me to set up payments with a separate collection agency, Alltran Education. XX/XX/19 - I received a 'Federal Perkins Loan Rehabilitation Agreement ' letter from Alltran Education which outlined the loan rehabilitation process & indicated a total due amount of {$3100.00}, with {$2400.00} in principal. This agreement also had several errors, including invalid payment due dates ( due dates were set on the XXXX of each month ) and the incorrect number of total payments ( 8, as opposed to 9 ). XX/XX/19 - I sent an email asking for clarification on the invalid figures above. XX/XX/19 - XXXX loan representative confirmed that the Alltran Collator entered the invalid information and would send me a revised agreement. The XXXX representative also directed me to inquire about postponing the start of the rehabilitation process, since the XX/XX/19 rehabilitation agreement indicated the first payment was due on XX/XX/19. XX/XX/19 - I received a second letter itemizing this account. This letter showed a total due amount of {$2400.00}, with {$1900.00} in principal, which conflicted with the itemization I received on XX/XX/19. Alltran sent me a revised Loan Rehabilitation Agreement, but the first payment due date was still set to XX/XX/19. Due to the 20-day grace period for payments, I signed the revised Loan Rehabilitation Agreement and emailed it to Alltran. XX/XX/19 - I sent emails to both XXXX & Alltran Education regarding the discrepancies for the loan 's balance, which went unanswered. XX/XX/19 - I made my first payment and emailed both XXXX and Alltran requesting a signed copy of the Loan Rehabilitation Agreement, but both entities declined my request for a signed Loan Rehabilitation Agreement. XX/XX/19 - By this date, 7 of 9 rehabilitation payments were made. I requested a payment history from Alltran Education. XX/XX/19 - Alltran Education sent me two payment history reports. Both reports seemed to pertain to this account, but there were major discrepancies between the two reports. For example, the dates of all payments differed between the two. Additionally, the amount of each payment allocated towards accumulated interest differed as well. XX/XX/19 - I received a letter from XXXX XXXX, RE : Tax Offset for Student Loan Debts Owed to the University of XXXX. This mail informed me to make a payment online at XXXX XXXX XXXX website, which I was previously informed was not an option. Until I received this letter, my understanding was that I had been making regular payments on the account - I had already made 7 on-time monthly payments to Alltran Education. I realized I had no real grasp on the state of this loan. This XXXX XXXX letter reports a Payoff amount of {$2100.00}. The original loan principal was {$2400.00}, and I have made {$1100.00} in payments to date. I am devastated that this payment amount only reduced the remaining payoff amount by less than {$300.00}.
01/01/2018 Yes
  • Debt collection
  • Auto debt
  • Attempts to collect debt not owed
  • Debt is not yours
  • FL
  • XXXXX
 Web Older American, Servicemember
Complaint against XXXX XXXX , XXXX as an Accessory in Committing Fraud against XXXX XXXX XXXX for a debt that he does not owe under terms and conditions under the lease agreement with XXXX XXXX XXXX, XXXX XXXX XXXX, CFO. Page One ) The attached lease agreement states on page one of the monthly scheduled payments where XXXX XXXX XXXX has complied with the lease agreement. Page Two ) Section 8 states by Excessive Wear and Use. The lessee may be charged for excessive wear based on XXXX XXXX standards for normal use and for mileage in excess of 12000 miles per year, at the rate of {$.00} per mile. The penalty for excess mileage is only implemented for each year and where the lessee is penalized on a annual basis, when the vehicle exceeds 12,000 per year. The Annual penalty is charged at {$.00} for every mile driven of 12,000 each year. Example If the lessee during the annual period from XX/XX/XXXX to XX/XX/XXXX, drives 15,000 miles, is charged {$.00} for excessive of 3000 miles and penalized {$750.00}. The same applies for the following annual terms for annual period XX/XX/XXXX to XX/XX/XXXX and also XX/XX/XXXX to XX/XX/XXXX which is lease termination. Inasmuch the term of the lease is for 36 months and the maximum allowable miles is 36,000 miles. However, the lessee has the option for Early End in Section 29 of the lease agreement. Where in Paragraph C states definition of Early Excess Mileage and Wear Charge excessive milage charge is applicable to Section 8. This lease was terminated early has the vehicle was turned in to the dealership One month before the term of the agreement on XX/XX/XXXX. Lease term from XX/XX/XXXX and ending XX/XX/XXXX, but terminated on XX/XX/XXXX. XXXX XXXX committed consumer fraud and used XXXX XXXX to cover up their fraud and to have them collect the debt knowing that the debt was not valid under the terms and conditions of the lease agreement. XXXX did not comply with Section 8 and Section 29 of the terms of the lease, they must comply with the lease agreement under early termination and bill me under Section 8 as the lease did not come under full term. Section 8 and Section 29 also applies if the lease came under full term of 36 months. XXXX XXXX failed to bill me each year under Section 8 and failed. However, in order to coverup their fraud they are billing me in bulk which violates the lease agreement. Section 16 ) Page Two states the total allowed milage at lease end is 36,000 miles. Page Three ) Titled ( Section Excess Mileage Charges ) It directs to see Section 8 for the charge of excess miles ( Section 8 states by Excessive Wear and Use. The lessee may be charged for e xcessive wear based on XXXX XXXX standards for normal use and for mileage in excess of 12000 miles PER YEAR, at the rate of {$.00} per mile ) and Section 16 for total allowed miles ( 36,000 Miles ) WHEREAS, XXXX XXXX failed to bill XXXX XXXX XXXX under the terms and conditions under the lease agreement as to Section 8 and fraudulently sent their issue to XXXX XXXX to collect their fraud and where XXXX XXXX knew or should have known by the terms of the lease to collect and harass XXXX XXXX XXXX to collect a debt, as an accessory to fraud. I hereby file my compliant against XXXX XXXX as a debt that I do not owe, XXXX XXXX failed to bill me under the terms and conditions of the lease agreement for any excess miles each year over 12,000 miles. XXXX XXXX to be sanctioned for fraud.
09/03/2018 Yes
  • Debt collection
  • Auto debt
  • Written notification about debt
  • Didn't receive enough information to verify debt
  • GA
  • 319XX
 Web
Good evening to whom ever this may concern. On XX/XX/2018, roughly around XXXX XXXX, a tow truck came to my residents in the middle of the night to pickup my vehicle do to nonpayment on the vehicle. The next following day XX/XX/2018, I called XXXX XXXX XXXX XXXX in regards to my vehicle being repossessed. XXXX XXXX XXXX was the towing company that had took possession of my vehicle. Speaking with a XXXX XXXX XXXX representative that same day XX/XX/2018, I was informed in order for me to reclaim my vehicle into my possession, I had to pay the full amount in full {$2000.00}. Which that included the original monthly payments for the months of XXXX, XXXX, XXXX, and XXXX in the amount of {$300.00}, late fees {$100.00}, miscellaneous fees {$120.00}, and a repossession of fee of {$600.00}. A letter was supposed to be sent to the address that was filed with my XXXX account, stating " I had 10 days from the date they would send the letter out to have my vehicle reinstated back to me. '' A date was never mentioned over the phone of when the letter would be sent out. Also, I never received a letter in the mail from XXXX XXXX XXXX from the date I called them. XX/XX/2018, I went to the company that towed vehicle ( XXXX XXXX XXXX ) to repossess my personal belongings that were in the vehicle at that time. Signed my paperwork and let the company itself do as they wished with the vehicle. Fast forwarding to present time I received a letter in the mail XX/XX/2018, from a debt collection company ( XXXX XXXX XXXX ). XX/XX/2018 around XXXX XXXX XXXX I called a representative to discuss about the letter I received in the mail in regards to my XXXX account. Everything was discussed over the phone was being recorded and to collect a debt. Never once I signed any documentation for XXXX XXXX to collect a debt from me, and for me to continue to pay XXXX XXXX XXXX XXXX of the remaining balance on the vehicle of {$10000.00}. With little knowledge and not being fully inform of the situation that is occurring at this present time. I gave the debt collector representative my account number and routing number, and agreed for them to take {$75.00} out of my account the XXXX and XXXX of every month. XX/XX/XXXX, will be the first payment that will be taken out my account ( {$75.00} ), XX/XX/XXXX {$75.00}, and so forth and so forth for the first 12 months of {$75.00} on the XXXX and XXXX of every month. XX/XX/2018, my credit report shows that my XXXX account is closed. Numerous I have been harassed by XXXX in the past calling me more than once in a DAY about my account! Spoke with a representative and told someone when I could pay them, and how much I could give them as a payment at the time. Documentation was never implemented into the computer when I spoke with someone over the phone, because I kept receiving a call from XXXX, and I had to constantly explain myself to a new representative the same situation I told the first representative! Please, and hopefully someone I can speak with about my situation soon as possible! Thank You!
05/22/2016 Yes
  • Debt collection
  • Credit card
  • Cont'd attempts collect debt not owed
  • Debt was paid
  • PA
  • 172XX
 Web
I brokered a deal with United Recovery systems XXXX, extension XXXX to settle a debt I had with XXXX, paying XXXX on XXXX/XXXX/XXXX. on XXXX/XXXX/XXXX I paid {$2000.00} and made payment arrangements for XXXX/XXXX/XXXX of {$200.00}, XXXX/XXXX/XXXX of {$200.00} and the last payment of {$200.00} on XXXX/XXXX/XXXX. I called on the date of the last payment of {$200.00} to arrange a payment a couple of days late. I was told by XXXX XXXX that the transaction was in process and that there was nothing I could do about it. I said the transaction had not showed up in my checking account she said there was nothing she could do or I could do. It came back insufficient funds and a few days later XXXX XXXX called and made an arrangement for the last payment of {$200.00} which was taken from my account on XXXX which cleared on XXXX. On XXXX XXXX XXXX called and told me that since I paid the last payment late that the agreement was null and void. I told her that I had made the last payment as agreed. I asked to talk to her supervisor she patched me through to XXXX XXXX got a voicemail. I finally reached him XXXX/XXXX/XXXX where he proceeded to tell me my deal was voided by my making the last payment late. XXXX XXXX called and tried to get me to make a commitment of paying the rest of the debt of {$4700.00} when I got my tax refund I told her my dad does my taxes and he usually waits until the last minute to do them. United Recovery Systems employed the same tactics they did before XXXX/XXXX/XXXX. They called my parents, my work, and me. They called my home and cell phone daily. My account was transfered to another person whom which I told I would not be receiving my income tax until XXXX and that I was not sure that I could pay them because of other obligations. It eventually ended up on XXXX XXXX 's XXXX, ex XXXX desk and I told her my history. She said she could see where my check came back insufficient funds thus voiding the settletment. She said that I could settle for {$1900.00} in Febuary and I told her that I did not have the money. She called me weekly to see If I got my refund yet and on XXXX/XXXX/XXXX she informed me that the offer was of the table and that she could settle for {$2600.00} which I did not have and that she did not want to see my debt go into litigation. I made payment arrangements for {$130.00} to be debited from my checking every month for the next 35 months which I 've been making. I just heard of you guys by reading an online article. I feel I do not owe the {$4500.00} as of XXXX, XXXX statement form United recovery Systems. I thought my debt was settled when I made the arrangement for the missed last payment to be made on XXXX. I got some bad advice from XXXX from XXXX in XXXX who I thought was a part of the XXXX XXXX She advised me not to pay them another dime because my debt was settled.
11/13/2015 Yes
  • Debt collection
  • Federal student loan
  • Improper contact or sharing of info
  • Talked to a third party about my debt
  • MI
  • 48075
 Web Servicemember
Long issue condensed:1. Debt collector ( Enterprise Recovery Systems XXXX Inc. ) sends letter to me XXXX/XXXX/15 with 30 day deadline to respond. 2. Response letter ( offer to settle account valid until XXXX/XXXX/15 ) from my attorney sent to ERS XXXX/XXXX/15 via fax and US mail. 3. No response from ERS. 4. ERS places file on my consumer credit reports XXXX around XXXX/XXXX/15. 5. I call to follow up on why that happened, as my offer to settle on XXXX/XXXX/15 was never responded to. Spoke with XXXX XXXX XXXX/XXXX/15. Explained that I do not owe the debt, as it was discharged under XXXX subsequent to my unanswered offer to settle. Offered to send proof. XXXX was supposed to investigate and call me back. No response. I called several times and left messages on XXXX ' voice mail XXXX, XXXX and XXXX. No return calls. 6. I file a complaint with Michigan Attorney General around XXXX/XXXX/15. 7. Call from XXXX XXXX XXXX Ombudsman XXXX for ERS on XXXX/XXXX/15. Says she 's following up on my complaint. Offered to send proof of discharge. She gave me fax/phone number to do so. 8. XXXX and XXXX faxed proof of discharge to ERS. 9. Called XXXX XXXX, XXXX & XXXX to follow up on fax. Left messages on the XXXX and XXXX with no response. Finally spoke with XXXX on XXXX. Stated she did not receive any faxes from me. Asked for her email address to resend. 10. Sent email with attachments showing proof of XXXX, XXXX & XXXX faxes in addition to XXXX letter. Requested from XXXX, but did not receive, receipt confirmation of email. 11. Called XXXX XXXX/XXXX/15. She stated that she did receive my email and that she forwarded it to their client, XXXX Michigan University, for review. 12. I asked her when she anticipated a response from XXXX. She stated she would follow up on Monday XXXX XXXX/XXXX/15 XXXX. Told her that I would call her on XXXX/XXXX/15 to ascertain XXXX 's response. Conclusion : In light of all the lies, deception, wanton neglect, I do not trust that ERS will or has followed through with anything they claimed they would. I have repeatedly called this business -- sometimes receiving busy signals, people picking up the phone then hanging up, denying receipt of faxes and mailed documents, etc. They are extremely unprofessional and inefficient. Meanwhile, THEY HAVE REPORTED THIS ACCOUNT TO THE CREDIT BUREAUS AND CAUSED MY CONSUMER CREDIT SCORE TO DROP BY XXXX POINTS!!! ERS sent me a letter dated XXXX/XXXX/15, where XXXX issued a weak apology for human error as to why the XXXX letter was never responded to. Nonetheless, as it stands, ERS ' negligence has caused me to lose out on business opportunities and I want this account to be removed from my credit ASAP! I can send CFPB proof of everything asserted in this complaint. I am frustrated and need intervention today. Thank you,
02/05/2018 Yes
  • Debt collection
  • Auto debt
  • Attempts to collect debt not owed
  • Debt is not yours
  • NV
  • 894XX
 Web
In XX/XX/XXXX, after 36 months of payments, I returned my car at the end of its lease to XXXX XXXX XXXX XXXX, Nevada, and exchanged it for a new one. The dealership asked for both keys for the car I was returning. I said I only have one because the other one was stolen. The dealership asked whether I could produce a police report. I said yes and sent them a police report clearly showing the XXXX key among the items stolen. The police report is attached. They asked if I was reimbursed for this and I said no because my deductible was too high. The dealership ( XXXX and/or XXXX ) said that would be fine not to turn in the second key as I had a police report, and that all was taken care of. The car was returned in pristine condition and no other fees were charged to return the car. Several weeks later, in XX/XX/XXXX, I got a bill from XXXX XXXX for {$400.00}. I called XXXX to ask what this is for, and was told it was for a missing key. I explained the above situation to them, and they said fine, thank you. I returned the invoice to them with a note repeating the above as well and thus do not have the original invoice to give you. For the second time, I thought the matter was done. But no. I subsequently got a call from the dealership in perhaps XX/XX/XXXX saying that XXXX did not waive the fee after all, and they felt bad about that, and would I like to split the cost with them? I told them no, that the cost of a key to XXXX was nowhere near {$400.00}, that the new owner already had their new key, and they needed to honor their deal as part of my taking on a new car lease. In addition, {$400.00} is also grossly inflated. The value of the key at the time it was stolen ( XX/XX/XXXX ) was reportedly {$220.00} according to the XXXX dealer ( invoice attached ) plus {$65.00} to rekey. I am now getting threats of collection from XXXX ( letter attached ). I have emailed XXXX through my account on their website and told them if they do not honor their agreement to waive the fee for the missing key, which clearly does not cost them anywhere close to that, that this would be the last car any of our family buys or leases from XXXX or XXXX. I told them hassling me over a missing key is not a way to take care of customers who have made thousands of dollars of lease payments on time for nearly four years now. I have not received a response. I can't believe I am wasting your time and mine over a key after now four years of on-time lease payments, but here we are. I would appreciate your intervention in getting XXXX to honor the dealership 's agreement to waive the fee for the missing key and stop hassling me with threats of collection activity. Thank you for your help.
07/04/2019 Yes
  • Debt collection
  • Federal student loan debt
  • Took or threatened to take negative or legal action
  • Threatened or suggested your credit would be damaged
  • TX
  • XXXXX
 Web
This company failed to send out any written notice to me about this debt. I never got an opportunity to pay the debt prior to it being reported on my credit report. This company is illegally collecting in the state of Texas by violating Texas Finance Code 392, FCRA, FDCPA and CFPB regulations. IA complaint is being filed with the Texas Attorney General 's Office for this violation as well. Attached is a document showing they are not licensed. I request validation of this debt per Texas Finance Code Section 392.202 which requires a debt collection agency or credit bureau to provide the alleged debtor with specific information concerning their debt including but not limited to ; For the purpose of validation provide me with : The name and address of the original creditor. The original date of default or non-payment of the debt with original creditor. The date the debt was transferred from the original creditor to the third party debt collector. The original balance. The current balance. Any fees added by your agency. Sec. 392.303 ( a ) ( 2 ). Texas Surety bond information as required by Sec. 392.101 - my original signature on the application from the creditor - my original signature on an application with your office consenting to any service Please note XXXX, XXXX, and XXXX are bonded in the state of Texas and are required to comply with Texas Finance Code. If a debt collector has failed to respond to your debt validation request, then they have essentially admitted, per Texas Finance Code 392.202 ( b ) ( 2 ), that the debt in question is inaccurate. Per this requirement you must delete this trade line if you do not have sufficient time to complete an investigation to validate this debt in 30 days according to Sec. 392.202 ( d ) ( 1 ) Also per Texas Finance Code 392.202 Correction of third -party debt collectors or credit bureaus files. I request immediate notification by mail if this alleged debt is sold or transferred per Sec. 392.301 ( a ) ( 4 ). Please reply with your response via US MAIL. Do not contact me by phone as it is inconvenient. Do not contact my family, acquaintances, or employer in any manner. Please note I am fully prepared to pursue my rights for the harm this inaccuracy has done to me. Sec. 392.403. CIVIL REMEDIES. ( a ) A person may sue for : ( 1 ) injunctive relief to prevent or restrain a violation of this chapter ; and ( 2 ) actual damages sustained as a result of a violation of this chapter. Please also note Texas BCC17. I demand that you will not sell, transfer, or assign this debt per Sec. 392.301 ( a ) ( 4 ). Regards.
06/21/2016 Yes
  • Student loan
  • Federal student loan servicing
  • Dealing with my lender or servicer
  • Received bad information about my loan
  • FL
  • 32084
 Web
I live in Florida, and I am currently under garnishment to XXXX. Over 12 years ago, after a spotty payment record, I contacted them to set up a payment plan. They said if I paid {$150.00} a month for one year on time, then my loan would come off my credit report and I would be in good standing. However, at the end of the year and XXXX on-time payments, they then said they I had to pay {$400.00} a month! I told them I could not pay that amount, and they said if I did n't, they would garnish my wages. I later found out they were supposed to negotiate an affordable payment in good faith, but they never did. The garnishment was initially 10 % of my salary, which was about {$300.00}, so I figured I would let them garnish my wages & it would get paid off. However, the garnishment was later upped to almost {$400.00} as a new Florida law allowed them to college up to 15 %. I have been paying between $ XXXX {$400.00} a month for over 12 years. At the time of the garnishment, I owed {$31000.00}. I have been paying for over 12 years, and now I owe over {$36000.00}. When I contacted them over a year ago to find out my balance, they wanted to to verify various phone numbers and addresses that I may have had for over 10 years. Some of them I did n't not recognize, but may have been addresses for my husband. We are still legally married but have n't been together for over 13 years so I do n't know all of his former addresses and phone number. Because I could n't verify every single one, they would not let me do an address change or send me a statement to see what I had paid. They said they were being nice by letting me know my balance over the phone - {$31000.00}, which is exactly what it was when they started garnishing my wages! They also offered to make me another loan! I asked them why would they make another loan if they have to garnish the one I already have? The sad thing is that, if my loan had been rehabbed, in 1 more year I would be eligible for loan forgiveness for working for XXXX. Right now I am eligible for nothing & there is no end in sight. I talked to a clerk at an attorney 's office who had sent a bulk email about my servicer, XXXX XXXX XXXX, doing robo-calls. She said they can keep garnishing your wages, and she had a sister who tried to pay off her garnishment but was refused. They make more money charging you monthly, and she said she will probably be paying this the rest of her life. I do n't know what else to do. Do I have to keep paying this amount for the rest of my life?
03/20/2019 Yes
  • Student loan
  • Federal student loan servicing
  • Dealing with your lender or servicer
  • Trouble with how payments are being handled
  • CA
  • 92109
 Web
The company handling my student loan is XXXX XXXX. On XX/XX/XXXX I decided to pay the debt in full. This amount of XXXX was verified by two separate people at the company. One of the representatives was XXXX XXXX. I did not catch the other representatives name. I was also assured this account would be closed and I would be receiving a letter that the debt was paid in full. I never received that letter and actually received a bill for XXXX. I contacted Ms. XXXX on XX/XX/XXXX at XXXX ( PST ). During this conversation she assured me that amount would fall off and it had only accumulated because they were waiting for the Department of Education to close the account. I was told she would follow up and I would be contacted by XXXX. I never heard from Mrs. XXXX and then tried to contact her XX/XX/XXXX and XX/XX/XXXX with no response. On XX/XX/XXXX I contacted her again. She answered and referred me to her supervisor XXXX XXXX. I explained the situation to Ms. XXXX. She claimed that amount had not caught up to the system when I was given the final payment amount. I told her that amount of XXXX was verified by two different people at her company. She apologized and stated I still owed the XXXX. I told her I wanted to pay it as long as that was the remainder of the loan and it would then be paid in full. She offered to take off the {$10.00} in fees and put it through as a settlement. I told her I did NOT want to do this, as I had already paid almost {$17000.00} and did not want it go through as a settlement and negatively affect my credit score. She told me the amount showing in their system had a XXXX cent discrepancy with what was showing on the Department of Education and that she needed to get it adjusted, otherwise if it were not the exact amount it would not close the account. She assured me I would hear back from her by the end of the day. I did not hear from her. I made multiple attempts to contact her to resolve this matter on XX/XX/XXXX. I spoke with XXXX XXXX ( another supervisor ) who told me he could close out the account, even with the discrepancy. I explained Ms. XXXX stated that would not be possible and I would like to speak with her directly. He told me she was at lunch and assured me she would contact me. I have yet to be contacted. I keep getting the run around and all I want to do is pay the amount and close the account. It seems as though they would like to keep the account open to collect more money in interest in fees.
11/20/2018 Yes
  • Debt collection
  • Auto debt
  • Attempts to collect debt not owed
  • Debt is not yours
  • NJ
  • 07024
 Web
My family and I've been having XXXX since XXXX and hadn't had any problems until recently : on XX/XX/XXXX, 5 months after I'd turned in the leased/previously-used XXXX XXXX XXXX to a dealership, I received a letter from Alltran XXXX stating that I owed {$100.00} to XXXX XXXX for 'one or more of the following charges : unpaid lease charges, mileage and/or wear and use over and above that allowed by your lease agreement ', and no specifics. I called XXXX XXXX about this, and they said they couldn't answer my questions and insisted that I talk to Alltran XXXX regarding this matter, and I was transferred over to Alltran 's XXXX XXXX, a rep, who asked me for the last 4 digits of my SS #!! .for identification purposes. First of all, XXXX XXXX failed to protect my private info by disclosing my SS # to a 3rd party, and breached my privacy and confidentiality rights! Then, when I refused to give out the last 4 numbers of my SS #, I told her that I had Alltran ID and the Account #, she said that these won't work and asked for my home address. After I provided her w/the address, she located my account but still wasn't able to tell me what I was being charged for. After some more searching and putting me on hold, she answered that it was for wear and tear. I explained to her that in XXXX I had leased then-already-pre-owned XXXX XXXX, and had returned the car in exactly the same condition as I had gotten it in ; there were some minor dent and scratches on the car by the time when I had leased it from the dealership. I then asked Ms XXXX to send me an itemized detailed report on the car damages, for which XXXX XXXX was charging me. The Alltran 's rep 's response was : " Prove that you surrendered the vehicle in a good condition otherwise we'll report failure-to-pay to the credit agencies, you have just a few days left. ' Based on all above mentioned, I've filed a complaint w/XXXX XXXX XXXX and Im now reporting them to The Consumer Financial Protection Bureau. I view the whole situation as fraud and extortion. Im financing my currently leased XXXX through XXXX XXXX again, and I dont want any more surprises and I do not want this company to ruin my perfect credit history because of their fraudulent claims and manipulative approach to get me pay for so called damages that weren't there when I was surrendering the car to the dealership. Please help me to resolve this problem.
06/08/2016 Yes
  • Student loan
  • Non-federal student loan
  • Dealing with my lender or servicer
  • Trouble with how payments are handled
  • GU
  • XXXXX
 Web Servicemember
I secured a bar study loan in XXXX through XXXX aka XXXX, with XXXX as the third party lender. I subsequently had my payments deferred, until I ran out of time, but I went through a period of unemployment and undermeployment so I was unable to pay. First, I was told to pay XXXX XXXX XXXX, and I did begin making payments. Then I was told to pay XXXX XXXX XXXX, but I did not. Finally, I was contacted by XXXX and I made arrangements to pay them and have been paying them since XXXX. Last year, I was alerted that negative information was added to my credit report. When I checked, I saw that XXXX XXXX XXXX listed themselves as a collection agency on a debt I owed. I reached out to XXXX and they were able to conduct and investigation and remove the information from my credit report. A couple of months later, I received a call from Enterprise Recovery Systems attempting to collect on the same debt. They mailed me proof of the loan documents. I advised them that I did not deny owing XXXX, but that I was already paying another company. Enterprise said they could only help me if I could get a copy of the original loan documents from XXXX. Then, they also reported this debt to the credit bureaus as seriously delinquent, however, XXXX did not remove this from my report. When XXXX reached out to XXXX to get documentation on the loan, XXXX was unable to process the request because, they claimed, that XXXX is currently involved in litigation regarding its loan practices. When I reach out to XXXX myself, the telephone numbers were not in service ; I mailed them and received no response. ERS would not provide me with any contact information so that I might try to reach XXXX another way. I subsequently emailed Enterprise and attached scanned copies of multiple emails from XXXX XXXX regarding my loan from its origination where XXXX is listed as the third party lender financing this loan, subsequent emails showing who I was supposed to pay, and payments made. I received no response. I have paid the loan down so far that my balance is just under {$1000.00}. Some payments were submitted to XXXX XXXX XXXX ( but I have no credit on my account for them ) but majority have been submitted to XXXX. At this time, all I have to support my claim is emails from XXXX and XXXX. I requested an itemized statement from XXXX. Please help me as I have no other recourse!
11/11/2016 Yes
  • Debt collection
  • Credit card
  • Taking/threatening an illegal action
  • Threatened to sue on too old debt
  • NY
  • 12309
 Web
I XXXX XXXX make a claim with the Consumer Financial Protection Bureau ( CFPB ) that the following attached attempt to collect a debt is highly fraudulent. My personal information is being floated in what is known in the debt collection business as a " debt Pool '', whereas collection information is outdated and not even enforceable. The attached collection from Alltran Financial , LP does not state that the debt is no longer enforceable, a stipulation by the Federal Trade Commission. The method of an illegal posting of a collection on my personal credit report, or an illegal collection against my rights of the Fair Debt Collection Practices Act can not be tolerated. In Federal Trade Commission v. XXXX XXXX XXXX, XXXX ( 2009 ) the federal district court decided in favor of the Federal Trade Commission that a collection agency must operate within strict guidelines in the collection of a debt. The criteria are as follows : 1 ) The debt must still be enforceable within the state of procurement or where the original obligator resides, or a combination of both. 2 ) The debt collector must be licensed and bonded if applicable within the state in which it is trying to collect, if the debt is collectable. 3 ) The validation of debt ownership must be proved, without exception. There is no statement on the attached collection that the debt is no longer enforceable. The collection agency stipulates that XXXX XXXX XXXX obtained a judgment against me. By legal mandate, the docket number of the judgment must be listed as well as what county clerk 's office the judgment is filed with. In this case, there is no judgment. The statement saying " This judgment may be forwarded to an attorney for execution '' is a complete falsehood. There can not be a lawsuit as the legal time limit to enforce a summary judgment action has passed. Even though the collection letter states that illegal, abusive, deceptive and unfair debt collections are illegal, this collection in its entirety is just that, a deceptive illegal attempt to collect a debt that is no longer enforceable. I demand that all my information be purged immediately by Alltran Financial , LP and XXXX XXXX XXXX, and that the Consumer Financial Protection Bureau ( CFPB ) take the necessary steps to sanction both companies for using such abusive collection tactics.
11/01/2020 Yes
  • Debt collection
  • Private student loan debt
  • Written notification about debt
  • Didn't receive notice of right to dispute
  • WA
  • 99203
 Web
Out of the blue, because of XXXX XXXX I received a collections letter in the mail from Alltran on XX/XX/2020, stating that XXXX XXXX had sent my account to collections due to nonpayment. This Alltran letter states that I owe {$2700.00}. I immediately called Alltran and spoke with XXXX XXXX, who did patiently listen to me and is now the one Im supposed to speak with about this. Im not able to pay such a big chunk of money at once. I wanted to call XXXX and talk to them first, since they had not been in contact with me at all from XXXX to XX/XX/2020 about my account. But, I told XXXX that all educational loans were on hold due to the pandemic and Im shocked and upset I received this letter. She put me on hold then came back to answer that only federal loans are on hold. I told her this whole thing couldve been avoided if I had known I was supposed to have kept paying on this ; which I didnt know that because I had thought all Ed loans were on hold. I couldve been paying on it IF I had been told or warned that these loans were Not on hold, or even when it was one month or two months, etc late. From XXXX XXXX I received No warning, not them calling me to see whats up or why havent I paid, no nothing, no communication prior to just bam now I suddenly get a collections letter out of the blue, not knowing that anything had been wrong all these months. XXXX XXXX did nothing to let me know any sort of thing. They sent no communications, no email, no letter, no phone call, no nothing to me, after I made my last payment in XX/XX/2020, when the news announced educational loans would be on hold for awhile due to a pandemic. I was up to date on my payments in XX/XX/2020. I called XXXX XXXX at XXXX XXXX on XX/XX/2020, to say hey this isnt right and to explain I thought loans were all on hold for the time being. I was highly upset as I couldve paid it all along if I had known these loans werent on hold. She basically had the attitude of sucks to be you and told me to call Alltran as its now their deal. I think it is unethical for XXXX to not have warned me or called me to ask me earlier on what was going on with my lack of payment rather than my not hearing anything from them for XXXX to XX/XX/2020 ( 7 months ) and then to suddenly be slammed with a collections letter like this.
08/24/2022 Yes
  • Debt collection
  • Auto debt
  • False statements or representation
  • Indicated you were committing crime by not paying debt
  • AZ
  • 85302
 Web
XX/XX/XXXX was my settlement date for {$2800.00}. Between XX/XX/2022 and XX/XX/XXXX I spoke with a representative of XXXX XXXX about extending the timeframe of my settlement date because I had not recieved my taxes. The representative stated that since there had been a lot of tax issues this year that it would be okay as long as I continued to make my monthly payments. I stated to the representative that I would up my monthly payments to {$200.00} a month instead of {$100.00}. The representative AGREED and stated that when my taxes deposit to give a call back ( these calls are recorded and I would like them listened to ). As you can see here in these documents I continued making my monthly payments until the month of XXXX. XX/XX/2022 I called to make my usual monthly payment and was told I my account was locked due to a new law that was put in placed. I was advised to call the week after to resume payment. I called multiple times until I got a XXXX XXXX who explained to me that XXXX XXXX had placed a hold on my payments because they were not satisfied with the settlement amount. She stated that none of this was my fault and that I would gain no extra interest charges and would still be able to continue the same monthly payments. She stated that she would contact me with further assistance once they had everything taken care of and that my balance was down to XXXX dollars. In XXXX, XXXX I recieved a call from XXXX XXXX XXXX, saying that I was deliquent on my payment since XX/XX/2022 and that I owed XXXX dollars. I stopped them and explained to them what had happened and told them that I have a settlement contract and they said thats something they cant uphold. I contacted XXXX XXXX and they stated how they took my debt and gave it to another creditor because they didnt like the settlement amount. When I asked to speak with a manager and be mailed the breakdown of what my car was sold for I was constantly transferred and hung up on. XXXX also stated that I did not comply with the terms of the settlement. When infact I was given the okay by XXXX for a date extension. ( Which is stated in a recorded phone call ).
04/10/2015 Yes
  • Debt collection
  • Non-federal student loan
  • False statements or representation
  • Attempted to collect wrong amount
  • MO
  • 63303
 Web
I got a call out of the blue from a debt collector saying I have an overdue account with the college I went to. I asked for an itemized statement from the school showing what I owe. On the receipt was over XXXX XXXX in collection and late fees.The man I spoke to from ERS said I had 30 days to pay or it would be marked on my credit. I asked if there was a way to lower the amount due because i did not know i had the over due balance and would have happily paid the amount due before the charges, he said they could settle with the school, and it 's usually 85 %. He told me my best bet was to take out a loan so I could pay them and just make payments to the bank and keep my credit safe. I told him I would try to do that, while he settles with XXXX. We agreed to aim for {$3000.00} to settle the account. He said he would get back to me by the end of the week. He then took my bank account number and routing number, thinking he needed it for verification purposes I gave it to him. Then I got a loan that week but never got a call back from him. After calling several times that week, the next Monday, and tuesday, I finally got a call from a different person at ERS. This person then told me that the payment was received but XXXX wanted an additional {$400.00}. Surprised, I asked what payment. He told me that the payment for {$3900.00} cleared the previous week. I then checked my bank account and sure enough the payment was cleared. I then said I never authorized a payment, and the other man said we would settle for much less and he never returned my calls, this new guy says " yeah I see that he did n't contact you, I 'm sorry he should n't of done what he did, he does n't work in this department anymore. '' I feel that this is very unprofessional and feel that I am being taken advantage of. The man said they still had to collect the {$400.00} but I said I was not paying anything until I spoke to someone about this, which is why I am contacting you. I think that there is fraud going on here and definitely unfair debt collecting practices. They should have never just taken the money from me. There was no communication.
06/05/2018 Yes
  • Debt collection
  • Auto debt
  • Written notification about debt
  • Didn't receive notice of right to dispute
  • CA
  • 91361
 Web
In XXXX of XXXX I returned a leased XXXX XXXX and purchased a XXXX XXXX XXXX XXXX from XXXX XXXX via the XXXXXXXX XXXX XXXX Dealership in California. A few weeks ago I received a phone call from a collection agency ( XXXX XXXX ) that I owed XXXX XXXX {$580.00} for " excessive wear and tear '' on the XXXX. I asked what the charges were for and requested a report. Three weeks later I received a report saying that the charges were for " floor mats '' and a " second key. '' At the time I purchased the XXXX XXXX, the salesman at XXXX XXXX XXXX, XXXX XXXX, removed the floor mats and took them out of the XXXX. Charging me for these is unfair given that I returned the XXXX with the floor mats and had no idea I was going to be charged some ~ {$210.00} for them. Secondly, I called the sales man and told him that I didn't have the second key and he said it was fine. There was no mention that I would be charged {$370.00} to replace it. But aside from all that, I never received written notification that this was an outstanding bill before being notified by Alltrans. I have a current car loan with XXXX XXXX and have electronic notifications activated on my online account through which I paid my XXXX and pay my XXXX car payments. I have a perfect borrowing history. I never received any notification through my online account. In fact, the account balance still says {$0.00}. I also never received a single phone call. I never received a paper notification. Now, Alltrans is threatening to report this and damage my credit unless I pay the balance. So I am because I feel threatened. XXXX XXXX has behaved unfairly, has been deceptive by not notifying me or communicating in the manner by which I have elected via our online communication agreement, and is being abusive by threatening me with damage to my credit score. I feel that this is wholly unfair, unethical and a violation of fair lending practices. Further, due to the lack of communication about these charges, I was never given the opportunity to contest or reconcile the charges with XXXX XXXX before being sent to collections.
06/15/2016 Yes
  • Student loan
  • Non-federal student loan
  • Dealing with my lender or servicer
  • Don't agree with fees charged
  • CA
  • 937XX
 Web
I have student loans that I 'm repaying to XXXX. They changed their loan repayment service to XXXX for XXXX of my loans and the other XXXX remained with XXXX. I was not aware of these remaining XXXX loans and so they were defaulted for about a year. I never received any communications regarding these XXXX remaining loans. All my student loans are currently in repayment via XXXX and XXXX XXXX and I have excellent repayment history and credit. However, I was contacted by Enterprise Recovery Systems regarding these defaulted loans XX/XX/XXXX. In a show of good faith, on XXXX XXXX 2016, I paid them {$12000.00} as a lump sum ( $ XXXX/month for each monthly payment missed ) and set my monthly payments to auto-deduct from my bank account for $ XXXX/month. I was reviewing my statement last week and noted a {$20000.00} collections fees imposed by Enterprise on my account. The balance on the account in addition to the collections fees is about {$86000.00}. I tried to call and discuss with them that I was unaware of the defaulted loans, no contact was made with me for a whole year regarding these defaulted loans, and I made a large payment of good faith, more than I could probably afford. They referred me to XXXX, who was very upset that Enterprise had n't contacted them directly about this issue and they said they 'd look into it. I have n't yet heard any updates. And Enterprise has called me 5 times in the past two hours from XXXX different phone numbers and they 're telling me the only way to get the collections fees of {$20000.00} taken off is to make larger payments on the principal balance. I keep telling them I can not afford to do so given my other student loans. Now, I am a recipient of the XXXX XXXX XXXX award given out by the California state government. This is to help pay off my loans. This shows that I am in good standing with ALL my loans with regard to repayment. This in my opinion is harassment by Enterprise Recovery Systems with regard to pursuing more repayment but also the collections fees of {$20000.00} does n't seem like it would be legal.
04/18/2017 Yes
  • Debt collection
  • Other (i.e. phone, health club, etc.)
  • False statements or representation
  • Attempted to collect wrong amount
  • AZ
  • 85138
 Web Servicemember
I have previously had this collection removed from my credit bureaus ... however, it is now being reported again under a different company by the name of Alltran Education. I do not have any contracts with this company. As previously noted when this account was removed from my credit report, all of my communications have been with XXXX XXXX University ( XXXX ). T hey wrongfully submitted my account to collections while I was under a payment plan with them, and refused to pull it back. all supporting documents were submitted in the prior disputes. Alltran, the new collections company, contacted me to continue payments, I have been in communication with them for this student account balance, and specified to them this was the last of my balance with XXXX -- I previously paid out of pocket over XXXX to XXXX , and this balance was the last of what was owed, which payments were being made on.. I told Alltran all payments would be made online to the creditor. however right after speaking with them, they reported it to my credit report. which appears to have been done out of spite after me telling them I would not pay them directly and it was being handled with XXXX . I do not appreciate unethical business practices when I am already attempting to take care of this matter that should not have reached this point in the first place. XXXX improperly reported my balance, and breached their agreement by sending it to collections, which is why this account was previously removed from my credit report in the past. Furthermore, Alltran reporting this to my credit bureau as a " threat '' because I informed them I would not pay them directly ( probably because the representative would not receive commission for it ) is completely unethical. XXXX has previously taken responsibility for not properly handling my account. Because XXXX has caused this much trouble for not properly handling my account, even still after the prior disputes, I have contacted a lawyer as well to handle this further.
10/11/2018 Yes
  • Debt collection
  • Federal student loan debt
  • False statements or representation
  • Attempted to collect wrong amount
  • FL
  • 32901
 Web Servicemember
***I used this category because your website only allows certain types of problems to be reported*** My Loan Rehab Program is being serviced by Alltran Education. I agreed ( by phone ) to become enrolled in the rehab program for my debt some months ago. I gave them my banking information, and was told a loan rehabilitation agreement was being sent for my signature, to be returned to them. After three {$300.00} payment had been made by automatic debit, without a written, signed contract, I received a call on XX/XX/18 at XXXX, where their representative indicated that I had not sent back said agreement ( I never received one ). I asked when it was sent, and they could not tell me. I told them to send it again, as their own management doesn't seem to have any control over what's being done, and as they never even recorded it being sent in the first place. I call them on XX/XX/18 at XXXX to ask if it had been sent. They said it had been sent on XX/XX/18. Not having received said agreement, I call twice on XX/XX/18 to verify it had indeed been sent, and was told by a representative and a supervisor that it had been sent on XX/XX/18. I have not received this contract yet, 13 days " in the mail '' so far. In the meantime, I see from DOE correspondence that the three payments made as of this date have not been recorded on DOE files or systems. I recently sent proof that these payments are being made, but I don't know if the DOE is recording them properly. I have asked that a case worker be assigned my file to monitor compliance of this contracted debt collecting company. I ask this again, as I can not trust the loan service company to be either honest or honorable. I need these payments to be recorded promptly, as I am seeking to apply to the loan forgiveness program after the mandatory 9 payments have been made on time - three have been made on time so far. I wish I could trust the DOE and Alltran to do the right thing, but I can't, so I'm asking for some attention to this matter. Thank you
03/10/2017 Yes
  • Debt collection
  • Other (i.e. phone, health club, etc.)
  • Disclosure verification of debt
  • Not disclosed as an attempt to collect
  • KS
  • 66049
 Web
On XX/XX/2017 I was contacted on my cellular phone while in class at XXXX Central Time by ( at that time an unknown female caller ) my caller ID listed the call as originating from ( XXXX ) XXXX. Upon answering the call there was absolute silence for about 5 seconds and then a few clicks and the caller asked for me by name and then stated the last 4 digits of my SSN and asked if it was mine I replied " um hum '' and then she asked me for my student ID number from the last college I attended. I asked her what the call was about and she just kept asking for me to verify my PII I then asked her who was calling and she refused to answer. At no time did she ever disclose at all the purpose of the call or even what business she was calling on behalf of. I asked her to just mail me whatever she was calling me about and she asked me to verify my address and I told her to mail the info to whatever address they had on file as I thought the call may have been some sort of phishing scam. She then repeatedly replied " So you do not want the information '' I repeatedly stated to just mail it to whatever address they had on file. After a bit of back and forth I informed her that I did not ever consent to calls on my cell phone and for whomever was calling not to contact me by phone again. At this point she asked if I wanted to speak to her supervisor and I said sure. At this point she disconnected the call so I called the number back that appeared on my caller ID and it connected to dead air and I was quickly disconnected. On XX/XX/2017 I received a collection letter from Alltran XXXX dated XX/XX/2017 for a debt allegedly owed to The XXXX ( Which I do not owe ) asking me to contact their office. On XX/XX/2017 I called their office thinking it was possibly their office that called me on XX/XX/2017 with the phone call that was in violation of multiple State and Federal laws. The individual I spoke to confirmed that it was them who called on XX/XX/2017.
07/16/2018 Yes
  • Credit card or prepaid card
  • General-purpose credit card or charge card
  • Other features, terms, or problems
  • Other problem
  • TN
  • 37862
 Web Servicemember
I am showing an open balance of {$4500.00} on my chase credit card number XXXX. This account was sent to collections to XXXX XXXX XXXX where we had a signed contract to resolve my balance for XXXX. I made 9 payments to them for {$230.00} and one for {$350.00} which is equal to {$2200.00} leaving only one payment of {$350.00} to fulfill my contract I signed with them. The last payment of {$350.00} was made on XX/XX/2016 and shortly after that they changed their name to Alltran and renege on my signed contract and after getting to talk to even the managers they wouldnt accept the final payment of {$350.00} and said I owed the whole {$4500.00} amount. We got into quite a heated argument over them not accepting the contract they agreed to and I have never heard from them again on this matter. Still the {$4500.00} is on my credit report saying it is still what I owe. I hired XXXX XXXX XXXX at XXXXXXXX XXXX XXXXXXXX XXXX XXXX, XXXX, MA XXXX with XXXX XXXX as my advisor to settle this debt for me with XXXX XXXX XXXX and I have included in this my statement from XXXX XXXX XXXX who XXXX XXXX XXXX uses to pay the money to the debt collectors or banks my 9 payments made by them for {$1800.00}. I also have included the payment I made myself after I ended my contract with XXXX XXXX XXXX where I paid {$350.00} straight out of my bank account equaling {$2200.00} with only {$350.00} being owed to settle my debt. I have been unable to obtain my signed contract from either Alltran or XXXX to prove this is what was agreed upon but I hope you can and be able to settle this matter for the {$350.00} I owe still. Thank you for any help you can give me in this matter and I hope you can finally settle this. I sent this to XXXX over 30 days ago and under the fair credit reporting act they were suppose to look into and I never heard back from them. After 30 days this is suppose to come off my credit report if they do nothing and that's what I'm trying to do.
10/28/2017 Yes
  • Debt collection
  • Credit card debt
  • False statements or representation
  • Attempted to collect wrong amount
  • CA
  • 939XX
 Web
I am writing to complain about three financial institutions that conspiring to remove money from our checking account. These companies are XXXX XXXX , XXXX, XXXX XXXX XXXX, and XXXX XXXX. In XX/XX/XXXX, we agreed to a debt reconsolidation for a credit card from XXXX XXXX. The card was in the name of XXXX XXXX XXXX. We agreed to pay {$400.00} a month to XXXX XXXX , XXXX to pay off the balance on the card. We later found out that XXXX XXXX was an intermediary of some sort because their company appears on the endorsement side of the check. This transaction was completed for the months of XXXX, XXXX, and XXXX. Unfortunately, XXXX XXXX, who was earning the majority of the money in our household, was forced to resign her position as a nurse practitioner. She started working again in XXXX. I called XXXX in early XXXX, asking them to stop the payments of the checks temporarily. We both agreed that once we were financially stable enough, we would resume payments. While there were other agents involved with these actions, the individual from XXXX who is in charge of the account is XXXX XXXX. On XX/XX/XXXX, we received notice of an overdraft from our checking account for {$400.00}. We discovered that XXXX began to make withdrawals from our account again. We never gave them permission to resume this action. As a result, our account over-drafted twice and we paid {$68.00} in overdraft fees. We have since written a letter to XXXX XXXX formerly requesting them to cease withdrawing money from our account. I sent this letter directly to their email account and as a certified letter. We have also placed a Stop Payment on all checks from XXXX XXXX XXXX. We consider XXXX XXXX , XXXX to be primarily responsible for this issue. We are naming XXXX XXXX XXXX because they advised us to use XXXX. We also name XXXX XXXX because their name appears on the endorsement side of the check and we were not aware they were involved in any of the transactions.
08/15/2015 Yes
  • Debt collection
  • Auto
  • Disclosure verification of debt
  • Not given enough info to verify debt
  • FL
  • 34748
 Web Older American, Servicemember
My husband who is XXXX year old military veteran, in declining age and in the early stage of forgetting things esp. when he takes pain medications, got involved in a trade- in transaction with XXXX XXXX thru an agent named XXXX XXXX , of XXXX , XXXX , XXXX. My husband used Kia Spectra, XXXX that is both in his name and mine to get a used pick up truck. The trade-in deal was hurriedly done, and within an hour or so, when I came home from my part-time job, I saw the red pick-up in our carport. I t came a surprise because that Kia was a perfect running condition, mortgage free and in fact XXXX XXXX XXXX offered to buy it back as trade-in for a newer model. Realizing that he could not pay the monthly payments for the used pick up truck, my husband called to return it on the second week.It was picked up after more than two weeks. As a wife of XXXX years, I asked about a signed contract for the transaction, but my husband had no copy to show me. Neither was there a copy of the return transaction. In short, I did not see a contract at all! I would describe this deal as done without following proper procedures. There was no careful screening as to the financial background whether my husband could afford to pay or not. Also, no proper interview was done to ascertain my husband health issue as to competence in making a car purchase without consulting me as a wife. If the agent was careful enough he would have seen that my husband could hardly talk, hardly walk, and even hard of hearing on his right ear. My husband is XXXX, and has XXXX. With medications he gets XXXX and does things he does not mean to do, like buying he truck he did not need. Now, my husband is facing a debt collection from United Recovery Systems based in XXXX XXXX in the amount of {$6200.00}, dated XXXX XXXX, 2015 thru the agent named XXXX XXXX. The Creditor named is XXXX XXXX XXXX, XXXX. But Actually, the deal was with XXXX XXXX in XXXX XXXX XXXX, XXXX, XXXX
05/18/2016 Yes
  • Student loan
  • Non-federal student loan
  • Dealing with my lender or servicer
  • Don't agree with fees charged
  • CA
  • 91505
 Web
XXXX XXXX, by and through its current collection agency, ERS, will not respond to my requests for documentation to prove the amounts owed on loans which have - largely and likely - been paid. Every time I ask XXXX XXXX for information, they simply change collection agencies and the process begins all over again. I have requested very specific information and have requested communications in writing ( since prior discussions and promises are unrecorded and unenforceable - in addition, there is no recording of tone or threats of the collection agents ) and have received NOTHING. However, recently, ERS has continued to report negative information on my credit report resulting in a XXXX point drop to my FICO score. Specifically, the information that has been requested in evidence of receipt of a payment made on my student loans in the amount of ( approx. ) {$19000.00} which has not been credited towards any amount owed. I have also requested evidence of authorization and/or ownership of the loan so I can determine whether or not the ( now ) XXXX agency handling my account has to proper authority and, in addition, I seek clarification of who owns the loans. It appears to continue to be XXXX XXXX, but they have failed to credit the near {$20000.00} they received on my loan. In short, they are seeking double recovery. Each time a new collections agency is involved, I get a letter requesting written confirmation if a dispute is being made as to the amounts owed. Each time I dispute the debt in writing and request information, my requests are ignored. The prior agency, XXXX XXXX, simply walked away from their efforts. The new agency, ERS, is choosing not to communicate with me, but simply engage in negative reporting on my credit. This complaint is linked to XXXX other complaints - all against the same efforts and same " owner '' ( I think ) - XXXX XXXX and its collection agency of the day.
03/13/2018 Yes
  • Debt collection
  • Credit card debt
  • Communication tactics
  • You told them to stop contacting you, but they keep trying
  • VA
  • 233XX
 Web Servicemember
- XXXX XXXX card went to collection in XX/XX/XXXX to XXXX XXXX XXXX in XXXX TX, for the amount of {$1000.00}. - No late fees were deducted for the first 3 months of collection XX/XX/XXXX - XX/XX/XXXX. Nor this company discuss doing that, for me. - I agreed to pay {$50.00} a month until it was paid. - They used a sales pitch to get an XXXX XXXX XXXX card with a {$500.00} limit once the debt was paid. I told them I did not want it and I did not want a lot phone calls as I would pay the debt as stated two lines above. - They appeared to be using some over aggressive tactics, by means of tone of voice and words. I do not appreciate that. - On XX/XX/XXXX on or about XXXX eastern standard time : Caller from XXXX called me and said her name was XXXX XXXX, from XXXX XXXX. She said " we are gon na need to some secure some checks, this a 30 day card, so we need to get some checks from you ''. I already pay via bill pay to XXXX XXXX, as I was originally told I could do. I also said I planned on having the debt paid with 12 months roughly. I told them this XX/XX/XXXX. I then explained to XXXX XXXX, I do not give my checking account information out over the phone. Hence, the reason for XXXX directly. XXXX XXXX also said during the course of the conversation : " Are you getting a an IRS refund? '' That is personal and not any of hers or their business. XXXX XXXX then says " Well we just want to see if you can pay more, now? '' - These are aggressive and unprofessional tactics, a completely disgraceful manner to conduct business. When XXXX XXXX realized I was well aware of my affairs, she quickly said thank you and got off the phone. I do not even know if she really works there or this was spoof call. Either way, if she does, XXXX needs to correct their training deficiencies and enforce quality control. - Bottom line is they are unprofessional and the above statements reflect that.
02/19/2019 Yes
  • Debt collection
  • Credit card debt
  • Written notification about debt
  • Didn't receive enough information to verify debt
  • CA
  • 92284
 Web
I XXXX XXXX have made several requests for proof that a creditor once originated with a national financial institution that has FDIC insurance can sell off a debt that is part of a securitized trust. Then these same debt buyers that used to be known as collection agencies could re-assign the debt to a fourth party for collection enforcement. This process of stating that debts are being purchased by a third party and then enforced by a fourth party is the larges scam in America. The U. S. Supreme Court decision in XX/XX/2017 known as XXXX v. XXXX XXXX XXXX XXXX is responsible for this scam. This decision basically states that since a third party purchases the debt, that my rights under the Fair Debt Collection Practices Act is VOID. The problem is that almost all unsecured debts are sold off to XXXX XXXX in various traunces in securitized trusts. There simply is no resolution where the debt can be purchased, only that the debt can be assigned for collection purposes. Each financial institution must file a 10Q filing quarterly with the Securities and Exchange Commission. The rules on debts being charged off is with the Federal Deposit Insurance Corporation through the FDIC Act, Code 5000. A debt can be classified either standard or sub-standard. Debts over 180 days late must go into the sub-standard category and written off on a quarterly 10Q SEC filing. These charge 0ffs usually are submitted in the tens of millions of dollars. So its virtually for these debts to be sold..period. Accordingly, I request full validation proving the debt purchase. Secondly, I will entertain a very low settlement agreement to put my dispute to rest. All of the settlements can be submitted through the CFPB portal email address submitted. I am still within my rights under the FDCPA since proof of a purchase to a third party has never been established.
10/18/2016 Yes
  • Debt collection
  • Credit card
  • Disclosure verification of debt
  • Not given enough info to verify debt
  • FL
  • 331XX
 Web
On XXXX/XXXX/2016 I mailed a request to United Recovery Systems who is now Alltran Financial requesting that they prove the outstanding debt to me. I requested the following list of documents : What the money you say I owe is for ; Explain and show me how you calculated what you say I owe ; Provide me with copies of any papers that show I agreed to pay what you say I owe ; Provide a verification or copy of any judgment if applicable ; Identify the original creditor ; Provide me with copies of the original application ; Provide me with copies of any identification on file ; Provide me with copies of signatures on file ; Prove the Statute of Limitations has not expired on this account ; Show me that you are licensed to collect in my state ; and Provide me with your license numbers and Registered Agent. What they mailed was a copy of statement and nothing else. I called back on XXXX/XXXX/2016 and spoke to a Manager XXXX XXXX. I explained the situation and he stated that he will follow the requested to his manager. When I asked why have n't they given proof of debt or answer my request he could n't give me a straight answer. We he kept insisting was that if was I was saying that I did n't initiate the debt. But at now time would he give a straight answer. I asked him if they were Licensed and Bonded in the state of FL and he was n't sure if he had to give me that information, I stated that I have the right to know that they can legally collect money in the state of fl. Long story short I have been paying on an account that I do n't even know if its my, I never see that the balance decrease any and when I start to ask questions I do n't get straight answers. This company has failed to honor the Fair Debt Collection Practices Act ( FDCPA ) by ignoring my legal right request.
04/19/2018 Yes
  • Debt collection
  • Other debt
  • Attempts to collect debt not owed
  • Debt was result of identity theft
  • AZ
  • 85048
 Web Servicemember
I had a checking account with XXXX Bank. In XX/XX/XXXX there was fraud on the account for which we filed a police report. In late XX/XX/XXXX we went into the XXXX, AZ branch to notify them that fraud had occurred on the account. No action was taken at that point by XXXX XXXX. Since the no action was taken, the account remained open and an automatic draft went through placing the account in a negative balance for a few dollars. The amount of the reported fraud was more than the amount the account went negative. If the fraud had been processed the account would never have gone negative. Because of the negative balance, XXXX XXXX added 6 overdraft fees ( NSF ) for a total of {$220.00}. In mid XX/XX/XXXX I receive a letter from XXXX XXXX stating the account was in negative balance. The same day XXXX received the letter I went to my local XXXX XXXX branch to get this cleared up and provided them with a copy of the police report. I was told by the banker i spoke with that they would begin working on resolving it and that I would be contacted with further steps. I specifically asked the banker to confirm this would not be placed in collections until I was contacted. I did not hear back from XXXX XXXX until early XXXX when I received a letter stating the account was now in collections. At that point I have gone to my local branch to get this resolved but keep being run around in circles. I submitted a fraud claim with was denied without notification to me. I contacted XXXX XXXX again and the claim has been re-initiated, but I do not have confidence any action will be taken. I have asked repeatedly that this be taken out of collections given the previously explained information with no action from XXXX XXXX.
09/14/2016 Yes
  • Consumer Loan
  • Vehicle loan
  • Problems when you are unable to pay
  • TX
  • 76116
 Web
Recently, My vehicle was repossessed by XXXX XXXX. Unfortunately due to my wife 's health issue, I was not able to make the payments. It was around XX/XX/XXXX that I began to receive calls from All-tran Financial of which they described that there was a deficiency balance of $ XXXX+. After speaking to XXXX, and after she had called my references, and had also left me several voice mails ; I told her that I could not make the payments, and that I would need for her to send me any and all invoices to my home address, and to please NOT call me anymore. I explained that due to my wife 's health I could not make any payments, and could not afford to make any type of agreement. After being put on hold for several minutes, I was transferred to a supervisor by the name of XXXX. Once XXXX XXXX got on the line with me he became very irate, raise his voice, and demanded that I give him personal reasons as to why I could not make any payments. I explained that I could not disclose any more personal information and that I had already shared the information with the previous representative. After going back and forth with him ; he refused to accept my explanation, and kept on antagonizing the conversation. Not having the time to speak to XXXX XXXX much more, nor being able to explain further ; I told XXXX XXXX that I could not speak to him and that I would disconnect. I am reporting this incident as I feel that I have been harassed ( as described in section XXXX of the online version of the rules for being harassed with collection calls ). I am formally requesting to have an investigation opened as I feel that Alltran Financial is not conducting professional collection practices. Thank you.
02/08/2016 Yes
  • Debt collection
  • Non-federal student loan
  • Cont'd attempts collect debt not owed
  • Debt resulted from identity theft
  • SC
  • 29154
 Web Servicemember
I was a student at XXXX XXXX XXXX from XXXX of XXXX to XXXX XXXX. A school official applied for a XXXX XXXX XXXX ( Private ) in my name providing an e signed loan application for {$21000.00}. The loan was obtained for the school period of XXXX XXXX to XXXX XXXX, a period for which I was not enrolled ( documentation provide by the school registrar ). I had no knowledge of the loan until learning that I had been turned over to a collection agency about a year ago. When I requested debt validation, the debt collection agency ( Enterprise Recovery Systems ) was only able to provide a copy of the loan application with no transcripts or master promissory note. All attempts to resolve have proven unsuccessful. With fraud report ( police ) and verification none of the partied involved will accept responsibility or liability for the actions of whomever applied for this loan. I have spoken to XXXX the loan servicer, Enterprise Recovery Systems ( the current collections ), and a representative of XXXX XXXX XXXX XXXX SC . Enterprise Recovery Systems reported to me after submitting the requested documents ( certified ) via phone conversation that my case was " special '' and had been referred back to XXXX. The representative from Enterprise Recovery Systems further advised me that XXXX was not bound by any regulations to respond in a timely manner " they could take as long as they want '' but they " Enterprise Recovery System '' would continue to report to bureaus. All have parties have been provided with documentation as well as XXXX, XXXX, and XXXX. Despite the preponderance of evidence of fraud, they continue to report, refuse to update/remove, and will not offer resolution to matter.
06/04/2017 Yes
  • Debt collection
  • Credit card debt
  • Attempts to collect debt not owed
  • Debt was paid
  • CA
  • 945XX
 Web
The original creditor was XXXX XXXX XXXX XXXX . The original debt problem was in XXXX . I lost my job and was n't able to find another job. I was unable to pay off the debt. XXXX XXXX XXXX XXXX assigned a debt collector, United Recovery Systems. I negotiated a settlement and on XXXX / XXXX / XXXX the debt was paid off to United Recovery Systems. I h ave the original letter of proof from them stating the debt is paid. Just after that date, XXXX XXXX XXXX XXXX hire d 2 other debt collectors, XXXX XXXX XXXX XXXX and XXXX XXXX XXXX to try to collect the debt again. I had to send them a copy of the pay off letter and they were satisfied. XXXX XXXX XXXX XXXX then hir ed United Recovery Systems AGAIN t o collect the debt. This was on XXXX / XXXX / XXXX . United Recovery Systems s aid they did not show a record of the pay off. I had to send a copy of the letter FROM United Recovery Systems, TO United Recovery Systems to pro ve I paid it off. If I would n't have had a copy of it, they would have said it was never paid. Then on XXXX / XXXX / XXXX XXXX XXXX XXXX XXXX hired XXXX XXXX XXXX - same process. On XXXX / XXXX / XXXX I received another letter from another collection agency, XXXX XXXX XXXX again saying I still owed the debt - same process. Then on XXXX / XXXX / XXXX I got a letter AGAIN fro m United Recovery Systems ( now know n as Alltran Financial LP ) s aying I still owe the debt - I went thru the process again. Now I just got a letter AGAIN from United Recovery Systems/Alltran Financial LP saying I STILL owe the debt. It 's even signed by the SAME person as last years letter!!
04/10/2016 Yes
  • Debt collection
  • Credit card
  • Cont'd attempts collect debt not owed
  • Debt is not mine
  • CA
  • 91340
 Web
To Whom It May Concern : I am writing this letter in response to the phone calls received at my work on ( XXXX/XXXX/16 ). In conformance to my rights under the Fair Debt Collection Practices Act ( FDCPA ), I am requesting you to provide me with a validation of the debt that you talked of earlier. Please note, this a not a refusal to pay, rather a statement that your claim is disputed and validation is demanded. ( 15 USC 1692g Sec. 809 ( b ) ) I do hereby request that your office provide me with complete documentation to verify that I owe the said debt and have any legal obligation to pay you. Please provide me with the following : Agreement with the creditor that authorizes you to collect on this alleged debt The agreement bearing my signature stating that I have agreed to assume the debt Valid copies of the debt agreement stating the amount of the debt and interest charges Proof that the Statute of Limitations has not expired Complete payment history on this account along with an accounting of all additional charges being assessed Show me that you are licensed to collect in my state ; and Your license numbers and Registered Agent If your office fails to reply to this debt validation letter within 30 days from the date of your receipt, all instances related to this account must be immediately deleted and completely removed from my credit file. Moreover, all future attempts to collect on the said debt must be ceased. Your non-compliance with my request will also be construed as an absolute waiver of all claims to enforce the debt against me and your implied agreement to compensate me for court costs and attorney fees if I am forced to bring this matter before a judge.
01/27/2017 Yes
  • Debt collection
  • Credit card
  • Improper contact or sharing of info
  • Contacted employer after asked not to
  • CA
  • 95815
 Web
I belive the date was XX/XX/2017 between XXXX & XXXX XXXX, when a XXXX XXXX from XXXX XXXX XXXX called my job on our recorded line and after being advised that the call was recorded asked for me using my first & last name. I was on the phone with a customer at the time, but sit right next to my manager that took the call. I could here him as he repeated my first & last name and asked XXXX if her call was personal or business related. She must have said personal or something related because I heard him tell her the employees could n't take personal calls at work twice. However, instead of ending the call, XXXX XXXX XXXX, XXXX XXXX XXXX XXXX their XXXX XXXX XXXX proceeded to embarrass, humiliate me & caused me to get repremmended by insisting on leaving a non-prompted message for me. Next thing my manager is handing me a sticky note and telling me what sounds like a debt collector called & insisted on leaving a personal message for me after he advised we ca n't take personal calls. He said XXXX XXXX from XXXX XXXX XXXX said she was calling to give me some information. Then had a few words with me about personal calls. XXXX left the XXXX # for XXXX XXXX XXXX along with her extension XXXX. Which is misleading cause they call from a different # which is a XXXX state phn # XXXX XXXX XXXX XXXX. Now I 'm stressing because this can come up during a group random call review in training. Anyway now my job has this on record/recording which is not only humiliating but can be damaging to my reputation and profession and could cause me to lose my job. Later i found that XXXX XXXX Credit Card div is having them call. How could they have them do this to me?
04/03/2015 Yes
  • Credit card
  • Delinquent account
  • NY
  • 11412
 Web Older American
On XXXX XXXX, XXXX I received a call at work from XXXX XXXX representing United Recovery Systems XXXX XXXX in regards to my father 's XXXX XXXX account ; he is the primary cardholder along with my mother. This was after XXXX XXXX took the monthly payment from my parents joint account which I discovered later that evening. XXXX XXXX proceeded to harass and demand that I do a check over the phone for the full amount of approximately {$3900.00}. I told her I would call her later because this seemed out of the blue and how in the world did my work number get involved if I am not the primary account holder. My parents opened the XXXX XXXX account back in XXXX. They have had the same home phone number since XXXX only now they have voicemail there were no messages or letters received at the home address that mentioned there was a problem with the account that was recently closed due to pressing and serious XXXX issues that caused late payments but from XXXX until now my parents always paid their bills on time. I calmly refused to discuss the account with XXXX XXXX and told her I would call back before XXXX that evening which I did but she apparently was unavailable so I spoke to another rep and told her that XXXX XXXX already deducted the past due amount ; furthermore I told the rep not to call my job ever again otherwise I plan to take this to another level. I do n't have the address of the collection agency because I never received anything in the mail stating that XXXX XXXX turned over the account to them. I did ask the representative that I spoke to later that evening on XXXX XXXX to send me a copy of the letter they allegedly sent.
03/20/2016 Yes
  • Debt collection
  • Credit card
  • Cont'd attempts collect debt not owed
  • Debt was paid
  • IL
  • 60062
 Web Older American
About 5-6 years ago, I opened a charge at XXXX XXXX since I received a XXXX % discount on a snow blower I purchased. I also received 6 months of 0 % financing. I signed up for e billing and paid the debt off according to terms. XX/XX/XXXX and XX/XX/XXXX, I used the XXXX credit card for the first time since that purchase to buy {$180.00} worth of flowers, pots and assorted garden items. Over the coming months I went about my business and forgot about the purchases. In XXXX, 2015 I received a call from a XXXX representative that my account was past due and a payment had n't been made since my last purchase ( in XXXX ) .. I immediately wrote and mailed a check for {$170.00} ( I had returned a bad plant for a {$2.00} credit ). The check which was accompanied by a letter with my account number, incorrectly was credited to my XXXX XXXX account also managed by XXXX. After calling them, the check was reapplied to my XXXX account. During the period XX/XX/XXXX thru XX/XX/XXXX I never received either a paper bill or e bill. I communicated this to both XXXX XXXX and XXXX reps. XXXX sent me copies of the missing XXXX bills which were in their system, but never sent to me in any form during the period they were due. I pride myself on promptly paying my bills on time. I am XXXX years old and have a credit rating of XXXX. This is not a " dog ate my bills '' story. I assure you I never received bills for four months in any form. My balance is now {$240.00}, ALL finance and past due charges which I refuse to pay since I paid the {$170.00} for the merchandise I purchased once XXXX contacted me. Thank you for your consideration.
02/15/2018 Yes
  • Debt collection
  • Medical debt
  • Written notification about debt
  • Didn't receive enough information to verify debt
  • IA
  • 52402
 Web
Our account with XXXX XXXX XXXX Hospitals and Clinics was turned over to a collection agency called XXXX XXXX XXXX. When we realized this information we tried to contact XXXX XXXX XXXX Hospitals who would no longer work with us regarding our account. We missed payments due to my husband 's multiple hospitalizations in XX/XX/2017, XX/XX/2017, and XX/XX/2017. We also tried to make payment arrangements with the collection agency XXXX, but we could not afford the payment arrangements they offered us. We offered to continue payment with what we could afford, and XXXX refused our payment we offered and stated that we would " HAVE TO GET A SHORT TERM LOAN FROM ONE OF OUR BANKS OR FILE BANKRUPTCY. '' I don't understand how collection agencies and hospitals can treat people this way, especially when we are trying to make arrangements to pay whatever we are able to pay. It is not an option for us to take a short term loan. My husband is recovering from XXXX and a XXXX XXXX XXXX and has just returned to work after being on medical leave for more than 2 years. We simply do not have any extra money ( certainly not the $ 500- $ 600/month ) which was the only payment arrangement offered to us by XXXX . Why can't they work with us or change the terms of the collection? I have never experienced anything like this before. This is not right by the hospitals or the collection agencies. My family will pay our medical debt, but we need help and flexibility so we can still continue to live and take care of our family. These payments are not reasonable or we wouldn't be in collections to begin with.
12/08/2017 Yes
  • Debt collection
  • Auto debt
  • Written notification about debt
  • Didn't receive enough information to verify debt
  • CA
  • 90620
 Web
My husband and I have been XXXX owners for over 20 years. We lease our vehicles, and replace them every 3 years so I have had lots of interaction with XXXX. Most recently, we both upgraded to XXXX, and I elected to turn in my XXXX XXXX XXXX after a year and a half into the 3 year lease. I am disappointed that I missed the single notice from XXXX ( XXXX sends ALOT of mail ) 4 months after I turned in the vehicle for an additional {$700.00} due, only to be referred to collections 21 days later. Additionally, my husband received his final bill on his lease for mileage within 30 days. I called XXXX XXXX XXXX and the manager indicated they are not able to help me. I have called the collections company, XXXX XXXX 3 times, and left messages for 3 different people. Before XX/XX/XXXX, on XX/XX/XXXX, and on XX/XX/XXXX, at XXXX. I emailed XXXX XXXX and they referred me back to XXXX XXXX. I 've emailed XXXX XXXX earlier today and am waiting to hear back. I am VERY disappointed that A ) I am not able to find out what the charge is for ; B ) XXXX only sent one notice ; and C ) This company who XXXX has agreed to do business with has the ability to impact my credit wont return my calls. I am so upset that I am trying to resolve this issue and I am not able to get anyone who can and will speak with me. I am very concerned about this impacting my credit and I have a hard time understanding after 18 months with this car, what the issue might be. Finally, I am spending way too much time trying to resolve this issue which is beyond ridiculous.
04/11/2015 Yes
  • Debt collection
  • I do not know
  • Cont'd attempts collect debt not owed
  • Debt is not mine
  • VA
  • XXXXX
 Web
The J. C. Christensen & Associates , Inc. collections agency located at XXXX XXXX XXXX XXXX XXXX, MN XXXX has been sending a large number of letters to our address. The letters are addressed to XXXX XXXX XXXX who does NOT live at this address. XXXX XXXX XXXX is a neighbor who live across the street from us and just happens to have the same last name. We do NOT owe any debts to this agency, or any agency for that matter. It is an inconvenience to have to walk over to our neighbor 's house and hand over their letters every time we receive them. Finally, my wife took the measure of returning XXXX of these letters to the XXXX XXXX with a request to stop sending them, but the request has been ignored. I presume the agency thinks we are deadbeats requesting a stop to collections activities when in fact we are NOT the rightful owners of this debt. Failure to cease communication upon written request is a violation of FDCPA. We request this agency cease and desist from sending letters to our address. I also have UDAAP concerns about the letters. The letters do not name the creditor and just say " Time Sensitive Document ''. The most recent letters are yellow envelopes inside of a white envelope with a clear panel on the outside envelope, which seems pretty shady. I never open these letters, since it is a crime to open someone else 's mail, but finally did a XXXX search on the return address to identify the creditor. We sincerely hope the CFPB can bring a stop to these harassing letters and change the business practices of this agency for good.
04/16/2018 Yes
  • Debt collection
  • Credit card debt
  • Attempts to collect debt not owed
  • Debt was paid
  • KY
  • 40241
 Web
There was a debt of {$4900.00} from XXXX-XXXX XXXX in XX/XX/XXXX. XXXX XXXX contacted me and setup a payment arrangement of an initial payment of {$1100.00} and {$200.00} per month in XX/XX/XXXX. These payments were automatically taken from my account from XX/XX/XXXX - XX/XX/XXXX. The account was closed and no additional charges were made to the account. After these {$200.00} payments for 18 months my balance was still {$4500.00}. XXXX-XXXX XXXX would not let me make payments to them and insisted on me working with XXXX XXXX. During this period my account was charged a monthly {$35.00} late fee, even though XXXX XXXX set up the terms of the payment. I have tried to contact XXXX XXXX and XXXX-XXXX XXXX over the last 2 years with no success. There has not been any written or verbal communication as to why this has not been resolved. My last all to XXXX-XXXX XXXX, the customer service rep just told me it was a valid balance with no explanation why that determination occurred. There is also no one at either XXXX XXXX or XXXX-XXXX XXXX willing to review my dispute in detail with me and perform the appropriate investigation to status my account appropriately and remove the incorrect balance. The last time I contacted the XXXX-XXXX XXXX customer service the representative made the following comments to me. " Everyone in the world knows how a credit card works '' and " This has been going on awhile, You just need to pay the balance ''. I have detailed and sent this dispute 3 times to XXXX-XXXX XXXX and the Collection Agencies.
06/27/2017 No
  • Debt collection
  • Auto debt
  • Written notification about debt
  • Didn't receive enough information to verify debt
  • NH
  • 03060
 Web
I leased a vehicle, it was CLEAR to me at the time of the lease that I would NOT owe a disposition fee, as I was a returning customer and also because it was NOT in my terms of the contract signed, years later, I returned the lease, rather than lease again. XXXX of XXXX The salesman was not happy and told me as I was giving them the keys that this would be " feed ''. Rather aggressively. Obviously upset that I was taking a break from leasing a vehicle. I received a letter months later from a collection agency, NOT XXXX. XXXX Amount of {$530.00}. I paid XXXX for mileage owed and it cleared. ( note I never received a bill prior to collections from XXXX ) I wrote a letter disputing the disposition fee charge of {$350.00}. XXXX To Both to the creditor and the Collector. I went ahead and attempted to get verification that this is, in fact, a fee that is owed. NEVER received a response from anyone, received another bill XXXX for a settlement at a less amount from XXXX {$280.00}. NO > I am not going to settle and pay just to take it off my creidt because they are sending a bill. I sent another letter. XXXX questioning the settlement and amount due looking for proof etc. Again. no proof, no contact from XXXX. I sent this letter to both of them. Here it is XXXX XXXX, XXXX and I received another letter from XXXX Debt Collector that I can settle at {$280.00} and offer payment plans. No verification. I called and left three messages and no response. I am now drafting a third letter and also submitting this complaint.
09/30/2017 Yes
  • Debt collection
  • I do not know
  • Communication tactics
  • Frequent or repeated calls
  • IL
  • 60638
 Web
XXXX XXXX, XXXX, i was repeatedly contacted by XXXX XXXX from Alltran XXXX or XXXX XXXX. I was left repeated voicemails to contact him regarding a collectipn of a debt. The calls came in at XXXX, XXXX, XXXX, XXXX, and I returned call at XXXX p.m. I was notified by XXXX XXXX that it was an attempt to collect a debt. He the said it was for XXXX XXXX, i then told him i was her mother snd would relay message since she was not available on my phone. XXXX XXXX, XXXX, i was contacted multiple times by XXXX XXXX XXXX. I recieved calls on my cell at XXXX, XXXX, XXXX, and also a message was left by him with the school secretary at XXXX p.m. ( see attachment ). I returned XXXX XXXX 's phone call and told him not to contact my place of work since the debt was not mine but my XXXX year old daughter, an adult. He then explained that he had permission to contact me from my daughter. I was really distressed by him calling my wotknplace and told him that it was illegal to contact someone whom is mot the debtor. He tried to tell me he hsd permission from my daughter to call me. She denies this allegation from XXXX XXXX. He said he would pit me on a do not call list but was called again at XXXX p.m. No voicemail was left. I would like for XXXX XXXX to provide an apology for his harrassment. Also, some sort of reprimand for his unprofessionalism and unregard for the U.S. law. The calls came in repeatedly from the following phone numbers XXXX ( XXXX XXXX XXXX, XXXX ( XXXX XXXX XXXX, XXXX XXXX XXXX XXXX.
10/08/2019 Yes
  • Debt collection
  • Credit card debt
  • Took or threatened to take negative or legal action
  • Threatened or suggested your credit would be damaged
  • GA
  • 30096
 Web Older American
XXXX XXXX, I email Consumer Financial 3 Months ago disputing this twice about this XXXX XXXX account that card had not been use since XX/XX/XXXX AND HAD A BALANCE OF {$4300.00} they were charging me {$380.00} monthly EXTRA beside me paying {$150.00} to {$200.00} for min. PAYMENTS. I DISPUTED AND requested to Consumer FINANCIAL PROTECTION INVESTIGATE THIS CARD AND MY ACCOUNT. THE NEXT THING I KNOW THIS CARD XXXX XXXX HAD CLOSED MY CARD ONLINE ALL STATEMENT GONE WITH OUT NOTICE. I WAS MAKING PAYMENTS toward account there NO STATEMENT IN XXXX I QUESTION THIS WITH XXXX. I Have ANOTHER CARD BY XXXX WHEN I CALL XXXX XXXX XXXX THEY INFORM ME THAT THIS CARD IS NOT PART OF XXXX XXXX. is when I ask Consumer Financial protection to investigate this and now they have place collection on Credit which should not be done on XX/XX/XXXX and On XX/XX/XXXX Collection letter from Alltrans Financial in XXXX tx. which I will be disputing this. I will contact Reporting Debt Collectors That Violate the FDCPA for unknow telephone calls using different number about 30 calls week No notice that they was collecting they post to account XX/XX/XXXX credit bur. and on XX/XX/XXXX A letter from AllTrans. this card by XXXX XXXX was in dispute and they know this. wrong amount, card had no charges since XX/XX/XXXX was making payments up to XX/XX/XXXX monthly. THIS HAPPEN TWO -THREE MONTHS WHERE THIS CARD SHUT DOWN MY CREDIT INFORMATION ONLINE AND CANCELED MY CARD. NOW LAST WEEK THERE A NEW COLLECTION WHICH I WAS NOT INFORM
09/21/2015 Yes
  • Debt collection
  • Other (i.e. phone, health club, etc.)
  • Communication tactics
  • Frequent or repeated calls
  • GA
  • 306XX
 Web
This past summer I recieved a call from United recovery systems in their attempt to collect a debt for XXXX who had been sending said notice to address i hadnt lived at in almost 3 years and calling an out of service number which is why i hadnt paid it I did n't know about it. I spoke to a young man and we discussed the situation and i agreed that the account they were attempting to collect was in fact mine and requested to have communication about the aforementioned to my current address, but it never came. Then the calls started coming in. Some lady named XXXX XXXX would call me daily more than once and leave voicemails, so many so that I had to block her number from calling me while I waited for the paper communication for the debt which never came. I recently got a new phone and got into contact with XXXX XXXX aND she told me it was n't my right to have a paper communication of my debt sent to me and that all it would tell me is exactly the information what she was telling me on the phone, I told her okay aND that I 'd call her back when I had the funds to begin payments on what I owed, so since i got the new phone XXXX XXXX number was no longer on my auto reject list. She called me once this morning and I work on XXXX and told her I was unableto talk and that I would call her back when I got a chance and to please not call me again, well XXXX hours later she called me again even though I asked her not to. I have since contacted XXXX and paid half of the debt I owe directly through them
04/18/2022 Yes
  • Debt collection
  • Credit card debt
  • Threatened to contact someone or share information improperly
  • Talked to a third-party about your debt
  • CA
  • 920XX
 Web
XXXX XXXX utilizes a third party collection company known as AllTran Financial based in XXXX, Texas. AllTran financial represents to the credit card debtor that making a monthly payment to retire the entire balance due would stop any collection action and allow the credit card to be reissued after the balance is paid in full. The debt collector fails to inform the consumer that the " Charge Off '' reported by XXXX XXXX will be reported each and every month you make a timely payment. The explanation by the debt collector is that each time you make a payment it reduces your balance by that amount and they report the new updated balance of the " Charge Off ''. What they fail to further disclose is that a negative payment reported as " Charge Off '' will be reported. My financial arrangement was put in place over 17 months ago and now instead of a reporting to third party credit bureaus as 1 charge off payment the negative history on the account is actually worse than when I entered into the repayment plan. This is false, deceptive and misleading to the consumer. They should not be allowed to report any further negative credit if payment arrangements are being made timely as agreed to with the debtor. I hope that CFPB reviews this matter as it is obvious the financial arrangement between the parties is not being represented properly and XXXX XXXX is using a third party to avoid the regular banking rules and laws established by the United States Government.
09/20/2017 Yes
  • Debt collection
  • I do not know
  • Communication tactics
  • You told them to stop contacting you, but they keep trying
  • NM
  • 871XX
 Web
Alltran Financial, based in XXXX/XXXX, TX continues to call me and my minor child on her telephone number ( listed in complaint ) as well as on my number XXXX. The numbers the individual calls from are XXXX, XXXX, and XXXX. I believe her name is XXXX XXXX? It 's hard to discern. Regardless, I have spoken with her and she refuses to provide any information about why she is calling unless I will provide personal information, such as the last 4 of my social security number. Given that I am not aware of any outstanding debts and also because I am a recent victim of identity theft ( in process of reporting and trying to sort through it all ), I am not about to provide anyone with anything. I have no way of knowing if this is a legitimate company or a legitimate attempt to collect a debt, especially because I should not have any. I have been working with XXXX and the credit card companies the identity thief took accounts out with, so I should have no outstanding issues. I have received no written communications from this company. I have received at LEAST two calls a day from this company for several weeks and my daughter receives at least one call a day. I let the individual know that she MUST stop contacting my daughter but she refused to allow me to speak, simply repeating over and over that I must give her my information. This is unacceptable and I respectfully request your help in resolving this matter.
02/22/2016 Yes
  • Debt collection
  • Other (i.e. phone, health club, etc.)
  • Disclosure verification of debt
  • Not given enough info to verify debt
  • SC
  • 29445
 Web
I received numerous calls regarding a debt that I owed to a college I attended. When receiving those calls my personal information including my ssn was requested in order to verify the account. I advised numerous representatives that I would like the information in writing. Due to being leery of scams and identity theft, I would not supply my personal information to an unknown source. When I did not receive any of the requested information, I contacted the school to find out the name of the collection agency my account was referred to. I was provided a different name other than Enterprise Recovery Systems. I then started making payments to the school directly thinking the company was not legitimate. Enterprise Recovery later placed the collection account on my credit report ; I disputed it because I was never properly informed of the debt. After the dispute was filed, I received notification of the outstanding balance via mail ( today. ) I contacted Enterprise and the representative advised there were numerous calls but my identity was never confirmed. I explained that was correct because I would not give them my ssn via telephone. I advised her that I will be paying the balance in full and requested the collection be removed from my credit report due to lack of and improper communication. She advised they wo n't remove it they will only place paid in full on my report which I think is unfair.
05/16/2016 Yes
  • Student loan
  • Non-federal student loan
  • Dealing with my lender or servicer
  • Don't agree with fees charged
  • NV
  • 891XX
 Web Servicemember
My name is XXXX XXXX, I reside at XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX. I graduated from XXXX XXXX XXXX in XXXX on XXXX 2014 as a XXXX. In order for me to attend that school, they helped me to obtain XXXX student loans, XXXX for about {$20000.00} backed by the Federal Student loan and the other for {$8100.00} from another lender. Six months after my graduation I was to start repaying the loans, which I did with some of my savings, money from the XXXX XXXX, one weekend a month, and my father help. I made payments for about six to seven months but without a job I could not continue doing so. I applied for " a Forbearance '' form both loans and it was granted to me by the Federal Student Loan right away but the other loan refused to give me a Forbearance and decided instead to refer my Loan to a collection agency, the name of the agency is Enterprise Recovery Systems. I am finally working as a XXXX XXXX and I contacted the XXXX Student Loans organization to start repaying those Loans. In the mean time, the Collection Agency is adding about XXXX % to the XXXX loan, the original amount was {$8100.00} now the balance is {$10000.00}, Documents attached. Is this something that is allow by law for this collection agency to add such a outrageous amount to a loan? The only reason I was not paying is because I did not have a job. Please advise. Thanks - XXXX XXXX - XXXXXXXXXXXX
02/25/2019 Yes
  • Debt collection
  • I do not know
  • Attempts to collect debt not owed
  • Debt was result of identity theft
  • NY
  • XXXXX
 Web
Alltran Education Inc. calls me after I legally requested them to cease and desist all contact with me. They're in violation trying to collect a debt I don't owe. They can't physically validate the debt as I requested them to. I wrote to them and asked them unless they send me all physical evidence requested to validate this debt, they should never contact me again and must remove my name from thy record. However, I kept getting phone calls from them. different time during the day. They use different phone number to call me many times, each i would back they no longere in service which cause me nuisance, I feel Ive harassed by this compagny I feel threatening by they abusive behavior agaist me. I have contacted the creditor about this unauthorize loan they opened under my name in the past. They refused to investigate the school that sent them these fraudulent applications to collect on my behalf without my knowledge. Altran education continuously sending me correspondence, pressuring me after they've received my cease and desist letter. I feel like they try to scam me force me into paying back a loan that I never used and I dont owe. I asked them to contact who sold them the debt and notify them of this debt being disputed and to contact the credit bureaus as well they ignore all my request to clear the wrong debt, they have in my name under my social security number.
06/27/2018 Yes
  • Student loan
  • Federal student loan servicing
  • Dealing with your lender or servicer
  • Don't agree with the fees charged
  • MI
  • XXXXX
 Web
According to Alltran 's record, they received my student loans with a balance of {$38000.00}, from two consolidation student loans that I refinanced on XX/XX/XXXX for {$21000.00} and {$6900.00}, respectively ( although that is a dispute by itself ). They received this account in XX/XX/XXXX. So the defaulted loans were not paid from XX/XX/XXXX-XX/XX/XXXX ( 38 months ) by the time they received them. They both have a fixed interest rate of 5 %. No other fees were indicated prior to defaulting. So the total amount in fees, using a compound interest calculator with a 5 % charge would make the new balances for the loans {$8100.00} and {$25000.00}, or a total of {$33000.00}. In that contract, the fine print indicates that once it's defaulted, the collection company ( Alltran ) MAY add up to 18 % in fees for collection. Even if that was done according to the contract, that would be a total of {$6000.00}. The cumulative total would be {$39000.00}. This year, without any formal notice or anyone reaching out to discuss repayment options ( or without any bills or other correspondence ), Alltran garnished my tax return for {$8400.00}. If that was applied to the total balance, which is have reason to believe is completely inaccurate, that means my total debt would be {$31000.00}. The excess fees are not in the contract. The interest accrued and charges are not in the contract.
12/05/2016 Yes
  • Debt collection
  • Credit card
  • Communication tactics
  • Frequent or repeated calls
  • MD
  • 20723
 Web
On XXXX, 2016 The collection Company Alltrans Financail L/P / United Recovery Services Debt Collector XXXX XXXX XXXX started calling, He was instructed to call back after the Holidays. XXXX,2016 at XXXX another call XXXX,2016 at XXXX another call, XXXX,2016 at XXXX another call, XXXX,2016 at XXXX another call, and XXXX, 2016 at approximately XXXX XXXX XXXX XXXX Calls my place of employment and left a message with my supervisor for me to call him back at XXXX ext XXXX, on this date XXXX XXXX XXXX was given several verbal instructions not to call my place of work and to stop calling my phone, because the Company has a open debt they need to pay, I am only the Point of Contact for the Business Credit, So he threaten to place the bad debt on my personal credit report if I did not pay, Shortly after I ended up speaking with a Division Manger XXXX XXXX at XXXX ext XXXX. XXXX XXXX XXXX also stated that he is going me 24 hours to contact him with a decision on how the Debt going to be paid before he place the bad debt on my credit file, and I told him the Business Credit card was under a Federal Tax ID number and not my personal social security number, and IF use my social number without my permission it would be fraud if they place a company Bad debt on my credit file. As of today the company fraudulent misrepresentation it self by using information not provide by me.
04/07/2016 Yes
  • Debt collection
  • Auto
  • Cont'd attempts collect debt not owed
  • Debt was paid
  • MD
  • 20852
 Web Older American
I had a lease on a toyota XXXX and paid regularly until the lease was expired. I turned the car in. A few weeks later I received a bill for {$720.00} for over mileage. I paid the bill that day and did not hear another thing until last week when I received a notice from United Recovery systems saying I had not paid the bill and failed to respond to previous requests. That was the first and only collection notice i received. After extensive investigation involving going to my bank, callint XXXX XXXX XXXX, XXXX XXXX services, visiting both XXXX and XXXX dealerships, we finally figured out that I had, in fact, paid that bill but, since the lease had been terminated, there was no further account. Thus, the payment was applied to another lease on XXXX. But I was never told that nor was there any way for me to tell. Subsequently, I rolled that lease into another XXXX but was never told anything about the fact that the {$720.00} was applied to that down payment. So, after several days, many calls and visits and much aggravation, I called the credit bureau back and paid the {$720.00} again, but extracted a promise that I would receive a letter stating that my credit was cleared and the bill was paid. Instead, I received another collection notice from United Recovery Systems for {$720.00}. Of course, they are not open during non business hours and I have a day job.
06/05/2015 Yes
  • Debt collection
  • I do not know
  • Communication tactics
  • Frequent or repeated calls
  • NC
  • 28314
 Web Servicemember
This is the XXXX complaint that I 'm filing against United Recovery Services since they started to call me like a fool XX/XX/XXXX at XXXX on my home phone and XXXX cell phones. They called me again today at XXXX on my home phone XXXX time, XXXX time on my XXXX cell phone at XXXX and XXXX times on my XXXX cell phone at XXXX and then again at XXXX. My previous XXXX complaints filed gives you an overview of how I 'm being harassed by this debt collector for some reason. For the past XXXX months, XXXX XXXX XXXX ( XXXX ) XXXX has consolidated and have been getting XXXX debts that I owe paid down, paid off, and resolved. But XXXX of these XXXX creditors seems to me to have taken it upon themselves to launch a retribution, harassment, and spite campaign against me, XXXX XXXX XXXX, or both us the way I see it. The creditor, whoever he or she maybe, is using United Recovery Services as a proxy to harass me throughout the day. All along, XXXX XXXX XXXX has been representing me pertaining to these financial matters for about XXXX months now ... since XX/XX/XXXX/XX/XX/XXXX. I 'm not a lawyer, but I feel rights are being violated by calling me after XXXX, calling me on my XXXX cell phones without my permission, and calling me more than XXXX times a day, sometimes XXXX times a day total. This is illegal and criminal if it is being done intentionally.
03/11/2016 Yes
  • Debt collection
  • Credit card
  • Cont'd attempts collect debt not owed
  • Debt is not mine
  • MA
  • 019XX
 Web
J.C.Christensen, ( JCC ) with address XXXX XXXX, XXXX XXXX, XXXX, XXXX sent a dunning letter to my home address trying to collect a credit card debt for a debt buyer called XXXX XXXX XXXX. I had never seen before that account or credit card or creditor. The dunning letter came to my home address on XXXX XXXX, 2015. The next day I sent a dispute of debt letter and asked JCC to validate and verify the debt. I asked the debt collector to not call me and not to obtain my credit. JCC did not verify nor validate the debt, ever. On XXXX 2015 I obtained my Credit Report with XXXX and I realized that JCC has pulled my credit 2 time same day : XXXX XXXX, 2015. One hard pull and one account review. I did dispute the credit pulls with XXXX and they did not removed. I sent a letter to JCC making them aware of my intentions. JCC answered that : they have permissible purpose to pull my credit. FTC and CFPB has defined very clear that that a debt collector can pull one 's credit except when the debt collector obtains it on behalf of the creditor. My credit rating is ruined from JCC and XXXX that started reporting trade line with XXXX XXXX and XXXX. I have filed a complaint for violation of FCRA and XXXX Consumer Protection Laws and for invasion of privacy. My case is located in XXXX District Court in XXXX XXXX. Thank you XXXX XXXX
03/31/2016 Yes
  • Debt collection
  • Credit card
  • Communication tactics
  • Frequent or repeated calls
  • PA
  • 19038
 Web Servicemember
I have a credit card account with XXXX XXXX XXXX XXXX. I have legitimate purchases on the card that my daughter incurred and did not pay. She had been intercepting our mail in order to hide the delinquent status, but we have since been notified through a phone call. We have also been advised that the bill has been passed to a third party collection agency ( United Recovery Systems-URS ). I do not refute the bill and would like to make a payment. However, I am deeply concerned with the nature of the collection effort. To this day, I am still receiving bills from BOTH XXXX ( XXXX XXXX ) and URS. Despite my attempts to make payment, XXXX wo n't take a payment and refers me to URS. Furthermore, URS indicates that they have not bought the debt so of course they ca n't negotiate a settlement amount. I am very uncomfortable with this scenario. The representatives at both organizations were unable to de-conflict. Why is XXXX XXXX billing me, requesting payment, and then refusing payment? If they have fully passed the debt, why is XXXX XXXX still billing me? Why is URS indicating they do n't " hold '' the debt? ( which I suspect is an attempt to bypass settlement negotiations ). URS has also advised that interest and late charges can still accrue, which suggests that XXXX XXXX has not passed they debt. Please help.
01/19/2018 Yes
  • Debt collection
  • Federal student loan debt
  • Communication tactics
  • Frequent or repeated calls
  • WA
  • 98513
 Web
XXXX XXXX XXXX. sent me a notice that they are attempting to collect my student debt. This notice dated XX/XX/XXXX was received by mail on XX/XX/XXXX. I have since attempted to contact them regarding my debt and have received NO response from XXXX XXXX XXXX. In ever communication I have made I have provided my name, account number, phone number, and email.I called and left voicemails on XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX. I have called almost daily but I have not always left a voicemail. They have also answered the phone and asked to take a message because their voicemail system was "too busy."I have sent emails through the XXXX XXXX XXXX website "Contact Us" option on XX/XX/XXXX and XX/XX/XXXX.I have sent 2 certified 2 day delivery letters on XX/XX/XXXX explaining my situation and the fact that I cannot get a hold of them. One letter was sent to their complaints department whose address was provided on the back of the notice. The other letter was sent to the mailing address they provided for contact on the front of the notice.I am now past my 30 day period provided in their notice and they still have made NO attempt to return my communications.They have also added over $XXXX to the requested debt amount since my last received communication from the Department of Education.
04/26/2019 Yes
  • Debt collection
  • Credit card debt
  • Written notification about debt
  • Didn't receive enough information to verify debt
  • GA
  • 303XX
 Web
On XX/XX/2019, I received a l collection notice from XXXX XXXX XXXX XXXX, and I call and and spoke with a rep. and I told her that two other collection agency failed to provide Debt Validation of the {$850.00} that is required. I also told XXXX XXXX XXXX XXXX, rep that during the same time I was requesting Debt Validation from the two collection agency at same time one was sending noticed in an email and other by us mail which was harassing and confusing both collection agency was referencing over the phone that they was collecting on behalf of XXXX XXXX XXXX. The debt {$850.00} that is alleged that I owed to XXXX XXXX XXXX and as of today I dispute the debt of {$850.00} because of unfair trade practices and collection practices used by XXXX XXXX XXXX XXXX. XXXX XXXX XXXX, refused and delay and to accept my request to file a dispute against the merchant and XXXX XXXX XXXX provided false information and miss leading information as of the dispute status and the current amount owed at that time in letter to me. I asked that the Consumer Financial Protection look in this matter because XXXX XXXX XXXX is using several different names at same time to collect on {$850.00}, today I called XXXX XXXX XXXX XXXX-XXXX-XXXX who told me over the phone that I owed the debt to XXXX.
02/02/2020 Yes
  • Debt collection
  • Federal student loan debt
  • Written notification about debt
  • Didn't receive enough information to verify debt
  • NY
  • XXXXX
 Web
Alltran Education is trying to collect debts on behalf of department of education each time I would ask to verify the debt they wont verify the debt owed and the debt is unverifiable but still won't remove the debt from my name. Theyre abusing the power for been department of education and the power of issuing debts to private lenders and for-profit schools without any validation but yet choose to use me to pay a false debt that shouldnt been ever created. Loan were originated by a for profit school without my authorization, application was received electronically without my own personal signature which leave rooms for errors and fraud and misleading information and department of education issue a debt won't the school. When filed a complaint to further proof the debt and their method of investigation they refuse to provide names of people they have been in contact with from XXXX XXXX XXXX XXXX during the process of their investigation. The investigation and the verification request has never been received, insufficient or not valid if I didnt physically sing to receive the debt the original loan application isnt valid. XXXX XXXX XXXX XXXX is closed and department of education still holding me accountable for a debt because they can't validate the debt.
10/03/2017 Yes
  • Debt collection
  • Credit card debt
  • Threatened to contact someone or share information improperly
  • Contacted your employer
  • MO
  • 65804
 Web
On the last week of XXXX this dept collection agency work for the Credit Card company, contacted my work and as to give a note to me to call them with different number than the one I have spoke to on the phone earlier in the month. I referred them to my dept consolidation company and they said they did not with their way of doing business. So I got home and called this number on note and found out who it was, I was okay to clear this up till my job said who is this and had to spell my personal life to my job, which in turn they said they should have never called here and had us contact you. I was furious and told this dept collection company I was not abide by the settlement, even though I just sent them a payment, i will not send anymore cause of this action at my job. They informed me I had not told them directly about not calling my job, only the Credit Card company new not to call, but this company works for them and I guess they do not communicate with them on what I had sent to cease communication to me and my job. Feel my rights were violated and they still said they did not violate them and got tired of them repeating themselves to me that they are here to settle the dept is all for this credit card company and all they would give me. Thanks XXXX
02/07/2017 Yes
  • Debt collection
  • I do not know
  • Cont'd attempts collect debt not owed
  • Debt is not mine
  • TX
  • 752XX
 Web
After review of my report I have made several efforts to have this account removed through the credit reporting agency. I took steps to freeze all my credit reports and file a police report to protect my name. The company has decided not to communicate with me over any of my requests that have been submitted. These accounts I have no Knowledge of the account that the reporting company has on my credit reporting account. I have repeatedly attempted to remove the account an the company and the credit reporting agency has not contacted me. According to Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), you are required by federal law to verify- through the physical verification of the original signed consumer contract any and all accounts you post on a credit report. Otherwise anyone paying for your reporting services could fax, mail, or email in a fraudulent account. I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) you have on file of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit, Under the FCRA, unverified accounts must be removed and if you are unable to provide me a copy of verifiable proof, you must remove the account. With in 30 days.
03/16/2019 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Incorrect information on your report
  • Account status incorrect
  • ID
  • 83605
 Web
XXXX XXXX XXXX aka XXXX XXXX XXXX and through their collector Alltran Financial , LP are and continue to use a letter which implies and purports to be from the original creditor, who is in fact NOT a participant to the collections activities, to collect a debt. They are also falsely/misrepresenting to all 3 CRA 's that I have an open account with them which I do not have. They have no authentic, certifiable data or account level documentation to support such a collection account. This false letter and documentation also apparently furnished to the CRA 's has held this consumer back from applying for credit as their open account falsely indicates the character and amount of an alleged debt. These companies can not and will never have certifiable, authentic and or a proper affidavit of account level documentation to pursue collections. Therefore they " parked '' said alleged unsupported debt on all 3 major credit reporting agencies to pressure me, a consumer, into paying them, in an extortionist like act, to make this go away. Numerous previous such violations have already been ordered to stop by the CFPB and others. Please also see the financial complaint I will file here or with the FTC as they are a financial institutions breaking the law.
04/11/2019 Yes
  • Debt collection
  • Credit card debt
  • Attempts to collect debt not owed
  • Debt was paid
  • WA
  • 98366
 Web
My credit report lists XXXX XXXX XXXX ( XXXX ) as the original company with my XXXX XXXX Credit card. However, multiple other companies have reached out to me to collect a debt I settled. In XXXX, AllTran was the first company to is seek to collect the {$820.00} on behalf of XXXX. I searched online for XXXX and the website directed me to XXXX. Then, I got emails from XXXX, to settle this account for {$280.00}, I took that offer and paid that amount around XX/XX/XXXX, and received an email stating my account was now settled. After making the payment, XXXX, emailed me back to tell me, they no longer handling to account, that XXXX is. So, I replied and told them I will take back my payment as that's not what was agreed upon. They replied stating the account was settled. I received a call from AllTran in regards to this account. I am not sure who exactly is responsible for this account as I have settled this account and should no longer be responsible. XXXX should not be able to keep trying to collect any more money from me. I agreed to pay XXXX as agreed and this is also who is listed as the company that debited my bank account. I'm frustrated and confused as to why multiple companies on behalf of XXXX is still trying to collect this debt.
03/30/2016 Yes
  • Debt collection
  • Federal student loan
  • Cont'd attempts collect debt not owed
  • Debt is not mine
  • IL
  • 62002
 Web Servicemember
I received a letter from ERS attempting to collect a debt. I replied with a letter on XX/XX/2016 with USPS tracking # XXXX XXXX XXXX XXXX XXXX. Their response on XXXX XXXX, 2016 was that they provided me with the documents that validates the account. How can a Statement of Purchased Account print out sheet be a validation of account. So I filed a complaint with the XXXX regarding this matter. I also stated in that complaint that I wanted ERS to provide me authentic document, contract, loan, or XXXX note that states I have agreed to any terms or conditions or that I have done any business with. Their second response was " Concerns were raised that ERS did not provide a promissory note to a request for validation. Please accept our apologies for the inconvenience experienced in respect to our collection activity. Upon thorough review, we identified that a request for a promissory note was submitted to our client, XXXX XXXX XXXX XXXX, XXXX Will forward the request validation to the address on file. '' This company should n't have a problem providing that information upon request it is the LAW. It also raises suspicions about their involvement and their hesitation to do so. I will not pay XXXX XXXX just because he says so.
12/18/2018 Yes
  • Debt collection
  • Credit card debt
  • Threatened to contact someone or share information improperly
  • Talked to a third-party about your debt
  • OR
  • XXXXX
 Web Older American
XX/XX/2018 Letter to XXXX XXXX, XXXX XXXX XXXX - My client, XXXX XXXX, called me and told me to call XXXX XXXX at XXXX XXXX XXXX XXXX XXXX. My client said Why is a Collection Agency calling you at my business? GOOD QUESTION! XXXX Do you know that calling my client is a violation of Collection Agency Ethics? Please give my Invoice to your boss and have him/her/they process it as soon as possible. In XX/XX/2018, I wrote to XXXX XXXX XXXX, Chairman and CEO, XXXX XXXX XXXX and XXXX XXXX XXXX, CEO, XXXX XXXX instructing them to cancel my XXXX XXXX XXXX XXXX XXXX account after 50 years as a customer. I never received a response. Account XXXX is a FRAUDULENT account. I never opened an account ending in XXXX. My recurring payment to XXXX was transferred to the FRAUDULENT account, which messed up my XXXX account and will cause XXXX to lose my business. My Credit Score has gone from XXXX to XXXX, all because of the FRAUDULENT activity of your client, XXXX XXXX. Enclosed find INVOICE XXXX XXXX XXXX, INVOICE XXXX Mr. XXXX XXXX XXXX and INVOICE XXXX XXXX XXXX XXXX. Thank you for your assistance in this matter, XXXX. I am sorry to see you caught in the middle. I am sure you want to treat me fairly. ''
01/20/2019 Yes
  • Debt collection
  • Auto debt
  • Attempts to collect debt not owed
  • Debt was paid
  • NC
  • 27215
 Web
In XX/XX/XXXX I went to a car dealership that I'm loyal customer with and have bought several vehicles over the years. This time I had a considerable amount of negative equity on the vehicle that I wanted to tread in, and I don't thought was possible to buy a new car without covering the balance. The salesman tell me that I had the option to leave my vehicle at the dealership and that will get repossessed by the bank. He said that the only give this option to loyal customers, and the negative equity would get write off. By doing this way I would start a new loan, without the negative equity amount. I was hesitant to agree at first, but they ensure me that everything was going to be fine. He said that will affect my credit score. What they don't tell me it is that now the bank still require that I pay the remaining amount of the loan that was suppose get write off. In XX/XX/XXXX the bank send me a letter requiring payment of the deficiency balance. In XX/XX/XXXX they sent me a letter from a collection agency. Now I'm risking a judgment and bankruptcy. Since I live paycheck to paycheck, I don't see how I will be able to pay. I was mislead by a deceptive practice into the purchase of a new vehicle!
09/30/2018 Yes
  • Debt collection
  • Credit card debt
  • Written notification about debt
  • Didn't receive enough information to verify debt
  • OH
  • 440XX
 Web
I XXXX XXXX hereby attaches a settlement offer from XXXX XXXX XXXX XXXX pertaining to an account with XXXX XXXX. I am not disputing if I had an account with XXXX XXXX. However, the issue I have is that this collection agency never forwarded a copy of transfer rights from XXXX XXXX to XXXX XXXX XXXX that they had been given the right to collect on a debt. The Federal Trade Commission has won millions from collection agencies in the past for improper procedures on the collection of debts. There is also a recent federal class action lawsuit against Alltran for serious Fair Debt Collection Practices Act violations. Accordingly, I wish to not join any class action. I will pay {$1000.00} to settle the referenced XXXX collection, and request that my name be cleared from all pertinent credit reporting agencies. XXXX XXXX XXXX knows the collection process, and stating that they have been referred on a collection does not comply with FDCPA guidelines. XXXX XXXX XXXX can send to my email address the acceptance of {$1000.00} payable within 10 business days by certified check, and the agreement to purge my file completely and delete from credit reporting agencies, or I will join the current class action.
07/10/2015 Yes
  • Debt collection
  • Federal student loan
  • Improper contact or sharing of info
  • Talked to a third party about my debt
  • AZ
  • 856XX
 Web
Multiple contacts made with outside family members and their employers. Also contact made with general acquaintances of mine. All were told I was trying to be located regarding many different scenarios all of which were lies. Credit card and bank information was requested from the contacts by stating I had given their phone numbers ( many I do not personally have ) and statements were made saying I had made payment arrangements that involved outside parties having to divulge their private credit card and bank information for payment of my debts and so the caller was calling to request that information from them. Also when I contacted the company I was told that for {$60.00} I could get my loan out of default, clear my credit report, be able to qualify for new loans and All I had to do was pay {$10.00} initial payment and {$5.00} a month for 10 months. The company refused to send me a copy of my bill and refused payments unless I set up automatic credit card payments. This company has my correct address phone and email but yet still calls my familyand their employers as well XXXX my acquaintances and misrepresents the purpose of their calls. The company is enterprise debt collector.
10/30/2015 Yes
  • Debt collection
  • Non-federal student loan
  • Cont'd attempts collect debt not owed
  • Debt is not mine
  • SC
  • XXXXX
 Web Servicemember
Received communication from Enterprise Recovery System ( ERS ) stating I owed them for a defaulted private student loan through XXXX for attendance at XXXX XXXX, XXXX, SC. I requested debt validation because I never applied for a private student loan while attending XXXX. ERS provided me with a copy of an application/loan agreement that was e signed on XX/XX/XXXX. The enrollment period for the loan was XX/XX/XXXX to XX/XX/XXXX as listed on application. My last day at the school was XXXX/XXXX/2010. I provided an official letter from the school 's registrar that certified my dates of attendance from XX/XX/XXXX to XX/XX/XXXX. It is apparent that someone fraudulently applied for a loan for a periods of time when I was not enrolled at XXXX. These negative actions have ruined my credit as they are reporting as a defaulted loan in collections that continues to update monthly. I had no knowledge of this loan or its collections status until contacted by ERS. I faxed information to ERS to investigate and am awaiting a response to what the corrective action will be based on documents they provided. XXXX XXXX XXXX the original lender have no record of this loan and referred me to back to ERS.
06/19/2018 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Incorrect information on your report
  • Account status incorrect
  • IN
  • 46224
 Web
On XX/XX/XXXX I sent out a certified letter to XXXX XXXX XXXX a collection agency who purchased my account with XXXX XXXX XXXX XXXX to dispute the account on my credit file. XXXX XXXX XXXX recieved and signed for the letter on XX/XX/XXXX XXXX XXXX XXXX failed to respond to my letter. So I sent out a certified letter to XXXX XX/XX/XXXX proving I tried to dispute the account XXXX received and signed for the letter XX/XX/XXXX. XXXX did their investigation and updated : data updates, data closed, and the remarks state : disp invg comp-report by grntr ; >unpaid balance charged off<. This has caused my credit to drop 19 pts because of wrong updating nor did they provide me proof of how the account was verified when the letter I sent specifically asked then to provide with proof as to who they spoke with and how they verified the account as accurate. XXXX XXXX XXXX is no longer on my report but XXXX XXXX is when XXXX XXXX XXXX bought the account. How is XXXX XXXX still reporting on my credit file as an active charged off account? This erroneous reporting has not only caused my credit rating to drop, but XXXX XXXX XXXX is still calling me asking me to set up payment arrangements.
05/01/2023 Yes
  • Debt collection
  • I do not know
  • Attempts to collect debt not owed
  • Debt is not yours
  • NJ
  • 08046
 Web
I keep getting calls from different numbers daily. I looked the numbers up online and they are a part of United Recovery Systems. I answered the phone on several occasions to get to the bottom of things but the person calling would not speak. The latest instance of harassment occurred on XX/XX/2023 at XXXX XXXX EST when I received a call from XXXX. A message was left that sounded like a recording ( not live person ) claiming to be from XXXX and wanting me to contact them back at XXXX. The XXXX number is part of United Recovery Systems. I have zero debt and very perplexed as to why I'm being called daily and left deceptive messages from United Recovery Systems. It has been a real headache and I need to stop. I pay all of my bills in full each month and have zero debt. These folks never asked for me by name when I picked up the phone or in any of the messages they've left. Just like the last instance, they've pretended to be calling from a legitimate company and left a number not part of the company they pretend to be calling from. I have never received any information in the mail from a collector and have no idea how my telephone number was attached to a debtor.
12/04/2019 Yes
  • Debt collection
  • I do not know
  • Threatened to contact someone or share information improperly
  • Contacted your employer
  • CA
  • 94531
 Web
XX/XX/XXXX I recevied a call from " Alltran '' at my desk line. I advised her that I was not to receive calls like this at work and would she please send me a letter. My identity has been stolen before and my personal information compromised, so I do not do anything over the phone. She said she needed to verify my information and was incredibly rude. I sais please do not contact me at work, please send me a letter and goodbye. Immediately after hanging up our receptionists desk phone began to ring and Alltran was attempting to get in touch with our HR department. She has made repeated calls to HR since XX/XX/XXXX to verify my employment. Our company policy is that no verification will be made without the employees permission. Alltran was advised about the company policy by HR. They have been calling non stop since XX/XX/XXXX. This morning, XX/XX/XXXX they faxed a request for employment verification. The fax cover sheet also indicates that the communication is from a debt collector- which is ILLEGAL. My HR forwarded me the fax. They are now not only harassing me, but also my employer. I have received no written correspondence regarding the matter.
07/14/2019 Yes
  • Debt collection
  • Federal student loan debt
  • Took or threatened to take negative or legal action
  • Threatened or suggested your credit would be damaged
  • NY
  • XXXXX
 Web
Student loans result of identity theft from a for-profit school that's no longer opened several attempts have been made, notified the loan provider about this matter, I've contacted the school 's and the loans managers to remove this debt from my record. They threaten to offset my tax return. After filled several disputes they still haven't refunded my tax and never reach a decision about the fraudulent loan. They said the loan is in default I've contacted the local police and forwarded all documents proving this account was open with unauthorized signature. But they continue reporting this account the all the credit bureaus and continuously causing me further damages financially. After I repeatedly asking them to give proof of all investigations and contacted parties in their investigations they've chosen to not cooperating or further investigating the officials of the school where the loan originated and they continuously denying me every time I sent a dispute or loan requested to discharge these loans. They continue breaking the law by allowing and facilitating these individuals who have stolen my identity to open student loans.
01/24/2019 Yes
  • Debt collection
  • Credit card debt
  • Written notification about debt
  • Didn't receive notice of right to dispute
  • KY
  • 42718
 Web
I was contacted by XXXX XXXX XXXX in reference to a debt I owe to XXXX XXXX XXXX for {$760.00} on Tuesday, XX/XX/2019. The rep said she was in the Minnesota office and they had a Texas Office as well. Their phone number is : XXXX. I immediately requested an Itemized Statement which the rep ( XXXX ) said could only be done with a written request. According to my rights, if I requested an ITS it should be considered a dispute and they should supply it. She also said the original account had been sold to another agency ( she didn't say who ) and they " partnered '' with XXXX XXXX. This rep called me at work, and I immediately told her not to call me at work anymore. I emailed the company that day stating that I wanted to cease and desist all communication and requested the ITS. I had a message from this XXXX on my phone last night, and a missed call today. Until they resolve this issue by sending me an ITS I won't no contact with them. I have no idea what fees or interest have been tacked on the bill of {$760.00}. I would like proof of the debt as I am entitled too. XXXX XXXX XXXX XXXX XXXX XXXX XXXX, KY XXXX XXXX XXXX
10/14/2016 Yes
  • Debt collection
  • Credit card
  • Cont'd attempts collect debt not owed
  • Debt was paid
  • FL
  • 32703
 Web Older American
XXXX, CHARGE MY ACCOUNT OFF BY CLOSING IT. CLOSED IN 60 DAYS LATE XXXX 2016, SEE CREDIT REPORT, SENT TO XXXX XXXX FOR PAYMENT. THEY SAW THE MISTAKE AND SENT IT BACK, XXXX SENT IT BACK TO THEM BECAUSE THEY WAS PAID. I TALKED TO THE XXXX XXXX SUPERVISOR, HE CLOSED MY ACCOUNT AND SENT IT BACK. BOTH AGENCIES REFUSED MY LAST PAYMENT AGREEMENT TO BECOME CURRENT XXXX, XXXX, XXXX, I WAS CURRENT PAID EVERY MONTH FROM XXXX TO XXXX XXXX WHEN THEY REFUSED MY PAYMENTS. NOW I WROTE TO XXXX TO RESOLVE MY ISSUES. BY FRAC LAW. THEY REFUSED TO RESPOND THEY NOW OWE ME AND MY DEBT IS TO BE O ACCORDING TO THE LAW WITH COMPENSATION DAMAGES TO BE PAID. PLEASE HELP, I WILL WAIT YOUR RESPONSE, I HAD AN AGREEMENT TO PAY WHAT WAS PAID, THE MINIMUM FOR 3 YEARS XXXX, IF I HAD A SHORT PAYMENT, WHY DID THEY TAKE MY MINIMUM PAYMENT AS WE AGREED EVERY MONTH. SAID NOTHING AND CLOSED MY ACCOUNT IN 60 DAYS LATE VIOLATING ALL KINDS OF LAWS. PLEASE HELP THANK YOU FOR YOUR TIME. they say i owe it, it was paid i think because i was told XXXX had to pay them for the debit! or XXXX had to pay them for XXXX. which make them guilty and i owe them nothing.
01/29/2019 Yes
  • Debt collection
  • Federal student loan debt
  • Written notification about debt
  • Didn't receive notice of right to dispute
  • MI
  • 48135
 Web
In XX/XX/XXXX I sent up a repayment agreement for the amount of {$5.00} a month for 9 months to get my student loans out of default with a company called alltran education , inc. XXXX XXXX XXXX XXXX XXXX Il XXXX fax XXXX they took all 9 payments which I can show proof of and my loans are still in default after they took the 9th payment in XX/XX/XXXX. I was specifically told by XXXX XXXX that once my 9th payment was made that my loan would be taking out of default and my taxes wouldnt be taking and they now have been taking for the second time. I filled my XXXX taxes and was supposed to be sent to my bank on XX/XX/XXXX and I called and was told they were taken by the department of education/ alltran when I called the offset IRS number last year they gave me the collection agency alltrans number to call I called and sent up this payment and have way threw around the 3rd payment they tried changing the amount when I informed them I was out of work due to having to XXXX they never sent me any new paper work to fill out what so ever they just kept taking my money for the payments ever month.
03/22/2018 Yes
  • Debt collection
  • Credit card debt
  • Attempts to collect debt not owed
  • Debt was paid
  • VA
  • 23229
 Web Older American
Around XXXX XXXX, I received a telephone called from XXXX XXXX XXXX XXXX informing me that a credit card delinquent balance was turned over to United Recoveries Systems ( URS ) now operating as XXXX XXXX XXXX XXXX ( XXXX ) for collection by XXXX CARDS incurred by my son and collection efforts were unsuccessful. I agreed to assume the debt however, I am a retiree on fixed income and can only afford a monthly payment to settle the debt of XXXX XXXX XXXX XXXX XXXX Dollars & XXXX cents ( {$6700.00} ) which was memorialized by a letter dated XX/XX/XXXX. In the settlement negotiation reached in the letter of XX/XX/XXXX, I agreed for XXXX/URS to create and deposit XXXX check reproductions on the dates indicated in the amount of {$240.00} each starting XX/XX/XXXX and monthly thereafter until XX/XX/XXXX totaling {$5100.00}. In XXXX, XXXX and XX/XX/XXXX, I received billings from BOTH companies ( XXXX CARDS and ( XXXX/URS ) that I still owe this debt to BOTH of them.t I will fax you copies of my files justifying that this debt is PAID IN FULL and I don't owe anything anymore to either company.
12/06/2019 Yes
  • Student loan
  • Private student loan
  • Getting a loan
  • Fraudulent loan
  • NY
  • XXXXX
 Web
XXXX XXXX XXXX XXXX malicious transaction use my personal information, an unauthorized signature to obtain loans. They were misleading and not letting know. I went to an open orientation couple years letter while checking my credit report there were outstanding student loans on my account. I contacted them I never got any response from them. Soon later the school closed. All my attempts to have them discharge this loans have been unsuccessful. They advertising was totally misleading. And they never deliver to me any service and any return of this. They requested for this loan was in bad faith. I was never contacted in the past about this loan until it was already in default. And now in collection department of education refuse to discharge it. They keep passing the loan around to different agencies. I need help revolving this issue with department of education. Thy haven't been very forgiven of a loan they have no attendance of me a loan I never authorize anyone to open. They garnished my tax return and refuse to further investigate this claim from XXXX XXXX XXXX XXXX XXXX.
09/20/2019 Yes
  • Debt collection
  • Auto debt
  • Communication tactics
  • Used obscene, profane, or other abusive language
  • GA
  • 317XX
 Web
On Thursday XX/XX/2019 XXXX I call the Alltran Financial to try to resolve this problem because they have been harassing my XXXX year old aunt calling he several times a day and using abusive language on how she need to resolve this matter. I was paying the amount out of my account until I made contact with the XXXX XXXX XXXX XXXX when they advised me that they wasn't receiving any money on this account because the account has been closed. The amount owed is the amount that the gap insurance didn't pay. On this day I advised XXXX XXXX XXXX that I will no longer allow them to take money out of my account. If they send it to me in the mail with a break down of where the money that has already been paid I will pay the bill with no problem. Ms. XXXX stated that isn't the way it is going to be done. She will tell me how it is going to be done. Ms. XXXX have called me several time over and over again being rude. She has harassed my aunt almost in to a nervous break. They are calling everyday several times a day. Ms. XXXX stated it has to come directly out of my bank account.
08/03/2016 Yes
  • Bank account or service
  • Checking account
  • Deposits and withdrawals
  • NM
  • 87031
 Web Older American
I have a couple of credit cards with XXXX for several years. And, has another XXXX with XXXX For 3 consecutive months I noticed that from my XXXX checking account was withdrawn {$220.00} for XXXX/XXXX/2016, {$220.00} in XXXX/XXXX/2016 and {$220.00} in XXXX/XXXX/2016. The above withdrawals was described as " External withdrawl XXXX XXXX XXXX Ext trnsfer ''. After contacting XXXX, I was informed that the XXXX ( XXXX ) withdrawals was by United Recovery System ( URS ) with XXXX phone no. I feel that my consumer rights are violated by URS by electronically withdrawing my money with out prior notice. And, my XXXX checking account was penalized with overdraft and other fees. The URS in other words financial stole/hacked my account since the are able to discover my XXXX account with authorization. I trust the CFPB will look into this matter and am thankful for the protection CFPB has delivered to the victimized public like me a XXXX year old retired senior citizen living on social security pension and still raising a family. Respectfully yours, XXXX XXXX XXXX XXXX
04/06/2016 Yes
  • Debt collection
  • I do not know
  • Communication tactics
  • Threatened to take legal action
  • MI
  • 48867
 Web
Enterprise Recovery Systems out of IL contacted a coworker at my place of business. This is from an IM of that conversation : " XXXX XXXX [ XXXX ] : Hello, I have XXXX from Enterprise Recovery Systems Incorporated calling asking for you, are you available? XXXX XXXX [ XXXX ] : She is no longer on the line, I sent her to your voicemail. I also got contact infotmation for her. She can be contacted at XXXX Option 1. Ext # XXXX '' I contacted XXXX and she said the only way I could verify my identity was to provide her my SSN. I refused and she mentioned that the calls to my employer may not stop till I provide my SSN. I spoke with her supervisor and she said that I need to give them my SSN. Ultimately, I said no and she hung up on me. Companies should not call and ask for SSN and other companies should not give that information away. They would not tell me anything about the debt till they got my SSN. They should not have my SSN. Companies should not give SSN 's to mom and pop debt collectors that could not tell me they are keeping that information safe!
08/24/2018 Yes
  • Debt collection
  • I do not know
  • Communication tactics
  • Frequent or repeated calls
  • OK
  • 74014
 Web Older American
I have been receiving repeated phone calls on my landline from a recorded voice caller with a gruff male voice who identifies himself as a debt collector. The recording does not identify the company the caller represents. He demands I call them back at XXXX. My caller ID shows the call is from XXXX, Texas from the number XXXX. I called the XXXX number and asked who they were, The man told me they are XXXX XXXX XXXX. He said he had a number in this file from a certain person. I told him that no such person resides here. He said he would mark it as an invalid number and we should not receive any further calls. I can not understand why we are getting several calls each day from this so-called debt collector. I looked up the problem on XXXX and found numerous others that are also receiving calls from this same source multiple times each day and are very concerned. I contacted my phone service provider and set it up for them to try to block the XXXX number on my phone line, but, as you know, these companies keep calling from a different number.
02/10/2020 Yes
  • Debt collection
  • Federal student loan debt
  • False statements or representation
  • Attempted to collect wrong amount
  • NC
  • 28227
 Web
I got this loan in XX/XX/XXXX and I am being contacted by a debt collector being Alltran Education Inc., I informed them that I will pay my loan balance of {$4200.00} but they are refusing to accept that amount and instead are trying to collect {$13000.00}. They have also placed me under garnishment and has taken my XXXX tax return which was about {$1200.00} but the balance was not reduced. I have contacted them to requested a settlement and that the garnishment be removed and they are refusing and offering me a payment of {$400.00} per month for 10 years. This debt is more than 24 years old and at this point I want the garnishment removed and the debt to be forgiven. I spoke to someone with this company less than 6 months ago who told me I owed $ XXXX with fees and interest and when I spoke to them today they are saying I owe approximately $ 13K when I asked how that much interest accrued in short time he was very rude and condescending. I dont believe I owe what they are saying and I shouldnt be garnished for a 25 year old debt.
07/24/2015 Yes
  • Debt collection
  • Credit card
  • False statements or representation
  • Attempted to collect wrong amount
  • TN
  • XXXXX
 Web
I have a dispute still under investigation with one of the credit bureaus. United Recovery Systems is the debt collecting company collecting on behalf of XXXX XXXX on my credit card debt. Even though I have been paying on time according to the negotiated terms and allowing the company to directly debit my bank account they are still reporting me monthly as paying late because they are using my total balance owed as past due instead of reporting the amount due as the payment amount that they agreed to accept as a monthly payment XX/XX/XXXX. I am being intimidated and/or threatened by this tactic. When I spoke with a United Recovery Rep on XX/XX/XXXX to try and resolve this issue with them directly, he essentially told me that they would continue reporting me as late until the entire balance is paid off. I acknowledge that I owe the balance but if I could pay the whole balance off in one lump sum I would not be in this situation. I am trying to do the right thing by paying as agreed according to the negotiated terms of repayment.
12/26/2017 Yes
  • Debt collection
  • Other debt
  • Communication tactics
  • Frequent or repeated calls
  • IL
  • 60613
 Web
The University XXXX XXXX sent my unpaid tuition charges to a debt collector ( XXXX XXXX XXXX ) after I dropped out but did n't tell me I had an unpaid balance that my loans did n't cover. When the collector contacted me, they demanded my personal information without telling me who they were and repeated to call me every day up to 4 times a day without telling me who they were, always on a different phone number. Finally I figured it out and set up an automated payment with them for a year but then I got laid off in XXXX XXXX so I called them to stop payments. They told me that I should call them back when I get back on my feet. They continued to call me every week, always a new person who would not identify themselves and demand my personal information. I repeatedly told them I am laid off and looking for work and they told me to call them when I found a job. XXXX months later, they still call me at least once a day, sometimes XXXX times, every day. They wo n't stop no matter how many times I tell them to stop.
04/04/2015 Yes
  • Debt collection
  • Non-federal student loan
  • Cont'd attempts collect debt not owed
  • Debt was discharged in bankruptcy
  • OH
  • 44060
 Web
In XX/XX/XXXX, I filed bankruptcy which included all of my private loans, credit cards, and past due bills. From that point in time, I have been financially responsible and have maintained a positive credit profile. Recently ( within the past XXXX months ), a company ( ERS ) has contacted me multiple times a day, contacted my wife, and family members that I have not seen in years. They have claimed that my debt is now due and that after XXXX years, it is still valid. I initially attempted to explain to them that my debts were addressed during the BK and those that were n't are current ; however they did not accept that and in XX/XX/XXXX, reopened a collection account without my knowledge, approval or written notice. I found this out today, when I pulled a credit report after seeing a denial of credit from a lender. I received no written notice of a revival of a debt that no one has contacted me about in a decade and as of yesterday ( XXXX calls alone in a XXXX hour window ) they have increased their call cadence.
05/26/2017 Yes
  • Credit card or prepaid card
  • General-purpose credit card or charge card
  • Fees or interest
  • Charged too much interest
  • OK
  • 74133
 Web
On this date of ... XXXX / XXXX / 2017 called ... Alltran Financial, LP XXXX XXXX XXXX XXXX XXXX Rep. took my call ... I, tried to make arrangements of the three options that were giving to me on the statement letter sent to me. I, received this letter on ... XXXX / XXXX / 2017 . The customer service XXXX XXXX that 's stated on my letter to contact at this number XXXX . Kept Sta ting ... That I, had to make a payment ... TODAY.. plus use a account card number ... OTHER THAN A PREPAID CARD TO GET TO THE NEXT LEVEL OF PAYMENT OPTIONS. I, stated to the Customer Service Rep. My letter..DOES N'T STATE THAT I NEED TO MAKE A PAYMENT ON THE SAME DAY I 'M TRYING TO NEGOTIATE A ... GENEROUS SETTLEMENT OPTION!!!!. AND I FEEL MY CONSUMER RIGHTS HAVE BEEN ... VIOLATED AGAIN!!!!. Yes ... This is not the first time this has happened to me ... So, I 'm asking for your assistance in helping me get this..BALANCE RESOLVED QUICKLY!!!! I 'M ALSO WILL NOTIFY MY ATTORNEY A BOUT THIS ISSUE ALSO!!!!. THANK YOU.
06/18/2019 Yes
  • Debt collection
  • Auto debt
  • Attempts to collect debt not owed
  • Debt is not yours
  • KS
  • 676XX
 Web
Thank you for your recent contact dated : XX/XX/XXXX. I would be happy to settle any financial obligation I might lawfully owe, as soon as I have received the following documentation from you : 1. Validation of the alleged debt ( the actual accounting showing a loss ) ; 2. Verification of your claim against me ( either a sworn affidavit or a hand-signed invoice in accordance with The Bills of Exchange Act 1908, Section 23 ) ; 3. A copy of the contract signed by both parties and therefore binding both parties. 4. Please also provide me with a true and certified copy ( NOT photocopy ) of the Original Note ( Credit Agreement ), under penalty of perjury and with unlimited liability and confirm that this Note, has never been sold. Please also confirm the name of the individual who is the duly authorized representative from your company, who has carried out due diligence under the Anti-Money Laundering and Countering Financing of Terrorism Act 2009 and what actions s/he has taken in relation to this account.
07/27/2017 Yes
  • Debt collection
  • Auto debt
  • Written notification about debt
  • Didn't receive enough information to verify debt
  • MD
  • 20817
 Web
The week of XXXX/XXXX/2017, I received a phone call from XXXX XXXX at Alltran telling me that I owed XXXX XXXX XXXX ( XXXX ) {$2700.00}. Alltran 's case number is XXXX. Her phone number was XXXX, fax number was XXXX, email address was collections@alltran.com. When I asked for proof of the debt, she would not verify the details or the debt and said that she was asked by XXXX to collect the debt. I had a previous auto lease with XXXX, and I currently have a new auto lease with XXXX. XXXX accounts in good standing. I am deeply concerned about the tactics used by XXXX and Alltran to try to collect debts that I do not owe. I have perfect payment history on all my loans. I have never had any delinquencies or collections. I have asked for proof of my debt, and provided XXXX proof of my payments to XXXX. But XXXX has failed to respond to my request of proof of debt. The lack of proof from XXXX and Alltran makes this attempted collection really suspicious. Please help me resolve this matter. Thank you, XXXX
06/18/2018 Yes
  • Debt collection
  • Federal student loan debt
  • False statements or representation
  • Attempted to collect wrong amount
  • FL
  • XXXXX
 Web Older American, Servicemember
On XX/XX/2018, at the suggestion of the agent for XXXX, a XXXX of XXXX XXXX, I sent via email ( address given by him ) a detailed letter and revised 'RIE ' form, attached here. After some weeks, I got a call from XXXX XXXX of that firm which I returned the next day. He was belligerent and interrupted me when I told him that the figure his QC 'people ' had arrived at was neither reasonable or affordable ; he refused to give me anything in writing at which point I terminated the call. He has violated their own Manual, attached ; furthermore, XXXX XXXX own materials speak of 'monthly payments as low as {$5.00} .... ', a category that suits my disclosed income and expenses. As importantly, when I pointed out that no one had requested me to document each item -- which I then and now am prepared to do -- he demurred, simply repeating that his 'supervisor would tell me the same thing ' -- i.e., that I had to pay $ XXXX monthly vs. the {$99.00} he had previously quoted on a then current RIE form.
06/21/2019 Yes
  • Debt collection
  • Auto debt
  • Communication tactics
  • You told them to stop contacting you, but they keep trying
  • KS
  • 676XX
 Web
Thank you for your recent contact dated : XX/XX/2019. I wrote to you on XX/XX/2019, requesting the following documentation, so that I may settle any financial obligation I might lawfully owe : 1. Validation of the alleged debt ( the actual accounting ) ; 2. Verification of your claim against me ( either a sworn affidavit or a hand-signed invoice in accordance with The Bills of Exchange Act 1908, Section 23 ) ; 3. A copy of the contract signed by both parties and therefore binding both parties. 4. Please also provide me with a true and certified copy ( NOT photocopy ) of the Original Note ( Credit Agreement ), under penalty of perjury and with unlimited liability and confirm that this Note, has never been sold. Please also confirm the name of the individual who is the duly authorized representative from your company, who has carried out due diligence under the Anti-Money Laundering and Countering Financing of Terrorism Act 2009 and what actions s/he has taken in relation to this account.
09/24/2018 Yes
  • Debt collection
  • I do not know
  • Threatened to contact someone or share information improperly
  • Talked to a third-party about your debt
  • NJ
  • XXXXX
 Web
XXXX / XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, IL XXXX Re : Account Number To whom it may concern, Pursuant to my rights under federal debt collection laws, I am requesting that you cease and desist communication with me, as well as my family and friends, in relation to this and all other alleged debts you claim I owe. Alltran/United XXXX XXXX has been calling my XXXX XXXX XXXX XXXX who has terminal XXXX at the number XXXX XXXX on a daily basis. Under the eyes of FTC this is harassment and defamation of character. I have no accounts with you and have received no documentation that I owe any monies to your company. You constantly harass and XXXX XXXX XXXX man that can barely speak due to the fact that he is in the end stage of his life with XXXX XXXX! You are hereby notified that if you do not comply with this request, I will immediately file a complaint with the Federal Trade Commission and the New Jersey and New York Attorney Generals office. Civil and criminal claims will be pursued.
12/23/2018 Yes
  • Debt collection
  • Credit card debt
  • Attempts to collect debt not owed
  • Debt is not yours
  • NC
  • 28025
 Web
I have requested validation from XXXX XXXX they have failed on numerous occasions to provide this information. I have recently been informed that there is negative information reported by XXXX XXXX. Upon reviewing a copy of my credit report, I see a derogatory account with a balance of {$580.00}. This account was previously removed from my credit file. ( PLEASE SEE THE ATTACHED DOCUMENT ). I challenge the accuracy, compliance and reportability of this listing. XXXX XXXX has yet to provide me with copies of any documentation associated with this account, bearing my signature. In the absence of any such documentation bearing my signature, I formally request that this information be immediately deleted again from my credit file. P.S. Please be aware that dependent upon your response, I may be detailing any potential issues with your company via an online public press release, including documentation of any potential small claims action. Cc : Attorney General 's Office Cc : XXXX XXXX XXXX
01/24/2018 Yes
  • Debt collection
  • I do not know
  • Communication tactics
  • Frequent or repeated calls
  • CA
  • 95128
 Web
I started receiving these calls from XXXX XXXX XXXX in XX/XX/XXXX, and the messages always say " Hi this message if from XXXX XXXX XXXX, this is a call from a debt collector, please call XXXX '' but the extension provided is always different. The message is typically very rushed and barely audible. To my knowledge, I do not have any overdue payments. Today XX/XX/XXXX XXXX, I finally gave in and called them back at the phone number they called from ( XXXX ), and the woman who answered the phone would not give me any information, and simple put me on hold after asking me for my name. I was on hold for quite a while so I hung up and called back. I spoke with the same woman and asked her what this was about and again she would not offer any information and told me she needed to place me on a brief hold to get me to the person handling my case. I was on hold for a while and got spooked, so I hung up. Please help me figure out if this is a legitimate call worth following up on. Thank you.
07/07/2017 Yes
  • Debt collection
  • Auto debt
  • Took or threatened to take negative or legal action
  • Threatened or suggested your credit would be damaged
  • NY
  • 11710
 Web
In XX/XX/XXXX I leased XXXX XXXX and in XX/XX/XXXX, I returned this car. I leased XXXX XXXX XXXX from XXXX XXXX XXXX. Before I leased this car, they run my credit history and never missed any payment and have an excellent credit history. 10 days ago I received call from the company All Trans Financial, Phone number XXXX. XXXX XXXX threatened me that they I owed money. I explained him, that I can not get new car from the same company if I owed money. Every month money goes directly to XXXX XXXX from my checking account. XXXX not only threaten me also told me that Trump can deport you. He called me many times to my house and my cell phone. I did not owe a single penny to XXXX XXXX. You can check my credit history that my XXXX account closed and never make any late payment. Please stop them to play with my credit history. I explained XXXX that why XXXX company never called me and they gave my new car if I owed any money. Please help me. I XXXX XXXX in University and never owed any money.
09/07/2016 Yes
  • Debt collection
  • Other (i.e. phone, health club, etc.)
  • Cont'd attempts collect debt not owed
  • Debt was paid
  • TX
  • 75024
 Web
I paid {$64.00} for cloth in XXXX XXXX store using my Debit card, which i have receipt till now. After 2 months they send my personal account details and SSN and DOB to collection agency for charging debt which i never owed. Since last 4 years they added {$270.00} with some interest. They are keep sending mail and calling to me. I was not able to find what was the issues, XXXX XXXX department / XXXX never helped me to resolve this issues. My credit history messed up because this fraud or some kind of illegal process by XXXX. I have chat history with XXXX XXXX customer support. I want to file case against XXXX / XXXX XXXX. XXXX share my personal identity to XXXX different collector agency which is here below, XXXX. United recovery system agency - call @ XXXX / fax @ XXXX / XXXX - XXXX XXXX. XXXX - please find attach document XXXX. XXXX XXXX XXXX XXXX , XXXX XXXX XXXX XXXX XXXX XXXX XXXX , XXXX XXXX XXXX | MO | XXXX XXXX : XXXX Fax : XXXX Web : XXXX | Email : XXXXXXXXXXXX Regards,
03/03/2018 Yes
  • Debt collection
  • I do not know
  • Communication tactics
  • Frequent or repeated calls
  • FL
  • 32708
 Web Older American
XXXX XXXX XXXX XXXX XXXX REPEATEDLY CALLS MY TELEPHONE WITH A XXXX NUMBER WHICH TELLS ME A NUMBER OF THINGS! PHISHING, POSSIBLE ID THIEVES, COLLECT YOUR NUMBER, AND I DO NOT HAVE ONE BROWN PENNY OWE TO THEM AND NO ONE ELSE IN AMERICA. THAT XXXX XXXX XXXX IS IN VIOLATION OF THE FAIR DEBT COLLECTION ACT WITH NO LETTER TO PROCEED THEIR PHONE CALL, REPEATEDLY CALLS 4 TIMES. HAVE NO DOCUMENTATION ABOUT THE DEBT SUPPOSEDLY OWED. THIS IS A ORGANIZATION TRYING TO CALL DEAD PEOPLE TO PAY A DEBT BY A TELEPHONE NUMBER THEY PULL OUT OF A HAT! THIS IS THE MOST GROSS ATTEMPT FOR A COLLECTION AGENCY TO POUNCE ON THE AMERICAN PEOPLE THAT DO NOT OWE THEM OR NO ONE ELSE. THE COO XXXX XXXX SHOULD FOLLOW THE RULES ON THE CORRECT PERSON THAT OWE THE DEBT NOT JUST PHISH UNTIL YOUR COMPANY COME UP WITH A DEBT. THE DEAD PEOPLE IN THE GRAVE IS NOT COMING UP TO PAY THEM A DEBT. STOP THIS INCORRECT DEBT COLLECTIONS PRACTICES TO MAKE A BUCK! PROTECT US HERE IN AMERICA FROM THE PREDATORS XXXX XXXX XXXX
08/26/2019 Yes
  • Debt collection
  • Other debt
  • False statements or representation
  • Attempted to collect wrong amount
  • AZ
  • 85281
 Web
Was told that if i agreed to a payment plan with alltran education to pay of installments from XX/XX/XXXX through XXXX of 19 then paying the full amount. They have failed to send me requested verification of the debt requested in XXXX. They also told me that it would not impact my credit if i did things that way which was why i agreed to that. In XXXX it hit my credit without me having missed a payment and being very cooperative. I disputed it with them and they acknowledged what i said but refused to remove it from my credit as we had discussed originally. They said the debt was XXXX even though i was told by XXXX XXXX University that i owed about XXXX. The debt was due to a misunderstanding on my part 2 years ago which XXXX failed to contact me in regards to and no one ever validated the debt owed leaving me to wonder if i actually did make a mistake. This company misled me and in doing so has severely hindered my ability to pay the debt as well a career opportunities.
05/17/2018 Yes
  • Debt collection
  • Other debt
  • Took or threatened to take negative or legal action
  • Threatened or suggested your credit would be damaged
  • HI
  • 96782
 Web Servicemember
I received a phone call at XXXX XXXX from an Alltran Financial representative in XX/XX/XXXX while I was XXXX to XXXX. The representative asked for my name, phone number and mailing address. She said, she was trying to collect a debt from XXXX XXXX. I said, I do not remember a loan from XXXX XXXX. She said, you don't remember paying on a loan for a couple of years. I told her I would like verification of the loan but, I would not be leaving XXXX until around mid to late XX/XX/XXXX. I told her to mail the verification to my PO Box and I would get it upon my return. In the meantime ( without sending me notification ) Alltran filed a collection for {$4900.00} with all of the Credit Reporting Agencies ( XXXX, XXXX and XXXX ). Upon my return from XXXX I received a letter from Alltran stating I owed them {$4900.00}. They did NOT send me verification I indeed was the owner of a previous loan with XXXX XXXX. Now I have an unverified collection action on my Credit Reports.
05/06/2016 Yes
  • Debt collection
  • Non-federal student loan
  • False statements or representation
  • Attempted to collect wrong amount
  • NJ
  • 07003
 Web Servicemember
I am a XXXX and a single parent who makes only XXXX an hour. I have been trying to get on a payment arrangement and they keep denying my request. On both my XXXX and XXXX credit report, the collection company by the name of Enterprise Recovery Systems, is claiming that I owe {$24000.00} which is all incorrect. The only amount I can pay them is {$25.00} a month. The first time they notified me about this debt, I took the time to respond within the 30 days granted to the consumer to dispute the validity of the said debt. I even called and spoke to someone and was told that if I made a payment that it will not be reported to the credit bureaus. All I can afford is {$25.00} a month. I was threatened and told that all they can accept is {$250.00} a month. They keep calling and harassing me. Disguising their numbers as if they are calling from NJ. I even lost out on a government job offer because of this. These people are damaging me and causing me emotional distress.
02/01/2018 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Problem with a credit reporting company's investigation into an existing problem
  • Their investigation did not fix an error on your report
  • NC
  • 287XX
 Web
On XX/XX/XXXX I sent a letter to XXXX, XXXX, and XXXX for this inaccurate account that I found shockingly showing on my credit report. XXXX could not verify the account with the third party collector to be valid so they removed the item. XXXX and XXXX responded that they verified the account and all of it's information as 100 % accurate, 100 % timely100 % verifiable, and fair based on the FCRA. I also contacted the collector at the same time directly to ask for validation of the debt per section 809 of the FDCPA and to date have not received any literature or correspondence back from XXXX the collection agency as well and it is not XX/XX/XXXX. That's well over the 30 days for validation by a collector. How is it that XXXX could not verify the debt and I can not get the debt validated by the actual collection agency XXXX but XXXX, and XXXX claim they did a honest investigation and found the debt as verified on all level of compliance according to the FCRA.
03/22/2019 Yes
  • Debt collection
  • Federal student loan debt
  • Written notification about debt
  • Didn't receive notice of right to dispute
  • OK
  • 73115
 Web
I called the US Department of education in regards to my student loans they advised me it was handled by an outside collection agency. I contacted An agency called Al.Tran Education. I have no problem paying back my student debt as i am making low monthly payment. If i had realized i had option to pay back my loans i would of done it in the beginning. The negative effect of the late payments being on my credit report has but a strain on my ability to apply for loans and apply for credit as needed. This also has placed a financial burden on my ability to live. I have contacted Obudsman Case # XXXX in regards to asking for a good will in having the late payments of my credit report removed and was advised they do not do a goodwill removal of late payments. I am asking for a fresh start to move forward as negative payment information will stay on my reports until 2023 at the latest. i have attached my payment agreement with Alltran education for your reference.
04/09/2015 Yes
  • Debt collection
  • Non-federal student loan
  • Improper contact or sharing of info
  • Talked to a third party about my debt
  • NJ
  • 074XX
 Web
I paid off a debt I had to a college I attended, At the same time, I paid it off, I received a statement from a collection agency named Enterprise Recover Systems, XXXX, Illinois, that there was a current amount due. I explained that I paid it directly to the school and might have missed their correspondence, since I had just moved. They confirmed with the school and told me I was paid in full. I recently checked my credit report and notice I have them listed on my report and I called to discuss the matter. They claim that there is still a balance that is unpaid, I had asked them why did n't they send me any correspondence about a balance due. Instead they reported it and now it it listed on my credit report. She told me they do n't operate that way. How is it that I was professional enough to call them and address their XXXX letter and they are not professional enough to call me or send me a letter regarding a past due amount? Of which I already paid?
07/08/2019 Yes
  • Debt collection
  • Credit card debt
  • Communication tactics
  • Frequent or repeated calls
  • CA
  • 95628
 Web
I owe around {$10000.00} to XXXX, and am in a debt resolution program with XXXX XXXX XXXX. I provided XXXX the number to XXXX XXXX XXXX, and was told not to have any further contact with XXXX representatives, as XXXX representatives would handle it. As of Friday, XX/XX/XXXX I have been receiving calls from XXXX XXXX, formerly known as XXXX XXXX XXXX. They are a credit collections company used by XXXX. On Friday I received 2 calls, on both XXXX and XXXX I received one call, and today on XXXX I have received three calls. One of these calls was a call to my office asking to speak to me, however I was in a meeting. The man who called was very aggressive to my boss who answered. I checked with a lawyer and learned that repeated calls on the same day and calling my work are illegal practices. Calling my place of work puts my job at risk. As stated before, I have provided the number for XXXX XXXX XXXX, whom they are supposed to be working with.
07/01/2019 Yes
  • Debt collection
  • Auto debt
  • Threatened to contact someone or share information improperly
  • Talked to a third-party about your debt
  • KS
  • 676XX
 Web
I wrote to you on XX/XX/XXXX, requesting the following documentation, so that I may settle any financial obligation I might lawfully owe : 1. Validation of the alleged debt ( the actual accounting ) ; 2. Verification of your claim against me ( either a sworn affidavit or a hand-signed invoice in accordance with The Bills of Exchange Act XXXX, Section 23 ) ; 3. A copy of the contract signed by both parties and therefore binding both parties. 4. Please also provide me with a true and certified copy ( NOT photocopy ) of the Original Note ( Credit Agreement ), under penalty of perjury and with unlimited liability and confirm that this Note, has never been sold. Please also confirm the name of the individual who is the duly authorized representative from your company, who has carried out due diligence under the Anti-Money Laundering and Countering Financing of Terrorism Act XXXX and what actions s/he has taken in relation to this account.
10/19/2017 Yes
  • Debt collection
  • I do not know
  • Communication tactics
  • Frequent or repeated calls
  • IL
  • 60619
 Web
Received a call from XXXX if United Recovery Systems on XXXX and XXXX between XXXX. The call was for someone else within the household. When it was told to the caller that that individual was not available I was asked several questions as to what time she is to be home. Give another number to contact her on. Who is this that I am speaking with. I offered to take a message by which I did. I did not volunteer no further information. Received the call again. The person of interest is not in. I presented with more question give me a time that she is due to come in. Guess what time you should be expecting them. You dont have a time frame ruffly. Did you give them the message I left on yesterday? Whatever the case may be as why this company is looking for this individual when the person is not available no one should be subject to that type of questioning unless its the police. I see that as harassment and would like for the calls to stop.
06/01/2015 Yes
  • Debt collection
  • Credit card
  • Cont'd attempts collect debt not owed
  • Debt was paid
  • MD
  • 20853
 Web
My name is XXXX XXXX. On XXXX XXXX 2011, I received a letter regarding a debt. At that time gave XXXX options to get a settlement. I called and arrangements to settle this account with option # XXXX ( was to pay a lump-sum payment of {$850.00} ). That was a savings of 50 % on my outstanding balance. I received notice from my bank ( XXXX ) that the transaction was processed on XXXX XXXX, 20 11 and the full amount was paid to J.C.Christensen & Associates , Inc. With transaction # XXXX. When I called again to confirm the payment was received, the representative mentioned that no further action was needed from my side and the debt was canceled. I 'm asking for your help to resolve this issue. I look forward to a resolution of this mistake miscommunication between J.C.Christensen & Associated , Inc. And the other collector XXXX XXXX XXXX XXXX XXXX Also, I would like comelet all necessary steps to clean my credit records. Manny thanks
06/25/2019 Yes
  • Student loan
  • Federal student loan servicing
  • Struggling to repay your loan
  • Can't get other flexible options for repaying your loan
  • NY
  • 11221
 Web
For the past two years the department of education has seized my tax refund for a total of over {$10000.00} towards my student loans leaving me homeless with a small child each time. First it happened in XXXX XXXX and now that I'm back home in XXXX, a city I left because I can't afford it, my mother 's eviction wasn't sufficient for me to get MY refund so I could move again. She was who I was staying with after I faced eviction from the last time my student loans being in default resulted in my tax refund being offset. I attempted to make an arrangement with Alltran to pay $ XXXX/mo to get out of default and they approved this aggreement for a month and then called me and said I needed three non family references, their phone numbers and addresses in order to be eligible for the default resolution program. After approving it and taking the first payment they said I was ineligible. I've asked Alltran for the transcript.
07/01/2020 Yes
  • Debt collection
  • Other debt
  • Took or threatened to take negative or legal action
  • Seized or attempted to seize your property
  • WA
  • 99354
 Web
On Monday, XX/XX/XXXX, I spoke to an agent in regard to my account with the University XXXX XXXX. Even though I do not believe I am responsible for the debt, I have tried to dispute it gets denied. I explained what happened- that I medically withdrew from school and should not have an amount due. I decided to speak with an agent to see if we could come to a settlement, but he refused. I asked to dispute it, but he said that it wouldn't matter. I told him I would speak to the University XXXX XXXX, and he said they wouldn't deal with me anymore. I told him I am not responsible for the debt, and he told me they would get my money regardless- that they will take my money from my taxes or garnish my wages if I don't pay. I am trying to work with the company but they just will not. TOP can be used for delinquent student loans, but not for a delinquent account at a school. - his threatening is illegal and not accurate.
05/31/2018 Yes
  • Debt collection
  • Credit card debt
  • Written notification about debt
  • Notification didn't disclose it was an attempt to collect a debt
  • CA
  • 912XX
 Web
I have been a long time Customer with XXXX. I have their store credit card XXXX account # XXXX XXXX. Last year I suddenly received a debit collection call and got called at my job in a XX/XX/2017. The call caught me off guard and honestly I was very embarrassed to get the call at my job. The person on the phone was extremely rude and aggressive with the call the purpose. They harassed me over the phone to make a payment option so i did. I told them I had NO idea I was late on my XXXX payment so to know I am in collections is a shock. The person couldnt careless they went on with their written script and put me on a payment plan. Since then Ive tried to call XXXX ( XXXX ) and have been told my account is no longer with them. The repsentative referred me to XXXX creditor telling me that XXXX was the creditor for XXXX. I called the number provided by the rep ( XXXX ) and it routes me back to the debit agency.
03/19/2021 Yes
  • Debt collection
  • I do not know
  • Communication tactics
  • You told them to stop contacting you, but they keep trying
  • GA
  • 30252
 Web
was contact around the XXXX of XX/XX/2021 by all tran who provided me an address and I stated that I no longer lived there and they said they sent a letter there disclosing my business to somebody else that's not a friend or family then he demanded my new mailing address which I provided to him in agreement that he would send proof that I owed the debt along bills sent from Arizona state and there was nothing of that sort included in the letter just a piece of paper stating they received the account in there office and that letter was dated XX/XX/XXXX of XXXX the debt collector XXXX XXXX with alltran education financial called me on XX/XX/2021 and kept asking me what my plans were after I told him multiple times that I no longer wish to communicate over the phone and I only wished to receive written documentation thru the mail and I was forced to hang up because he would not respect my rights.
07/26/2019 Yes
  • Debt collection
  • Federal student loan debt
  • False statements or representation
  • Attempted to collect wrong amount
  • WA
  • 99208
 Web
The company set me up on a rehab plan I set up 9 payments that was the criteria. I also had to send them copies of paystubs and a bill 3 times I met my part of what they asked. They are a year later calling saying I didnt make all my payments which I did I gave them my account info and approved the 9 payments they advised were required. I also faxed and mailed the documents they asked for. They are now calling me at minimum 5 times a day saying I have to restart the program because I missed payments which i could not have I gave me info and authorized them to take the payments and they did. I dont feel its fair to me trying to get my loans back on track that they drop the ball and dont follow through on their part and now I have to restart the whole process. This seems very shady and I dont agree when I say Im at work I cant talk now they call and call I will loss my job and they dont care.
07/10/2015 Yes
  • Debt collection
  • Credit card
  • Improper contact or sharing of info
  • Talked to a third party about my debt
  • NY
  • 11206
 Web
United Recovery Systems has been calling the home of my mother, XXXX, for some time. My mother who is an older XXXX woman has told them that I no longer live there. XXXX XXXX separate occasions, XXXX was XXXX/XXXX/15 and another time, on XXXX/XXXX/15, they ( the company ) has proceeded to harass my mother and ask her who will pay this money to them. They have also told her in detail what my debt is. I asked my mother what she told them and she has said that I do n't live with her. She did not inquire about how much I owe but was told my personal information anyway. I believe this practice is very unprofessional, unethical and against the law. I am very disturbed by this situation, as my mother being XXXX and now diagnosed with XXXX does not need the stress of knowing my financial situation. I am requesting that United Recovery system cease calling my mother 's home where I do not reside.
12/23/2019 Yes
  • Student loan
  • Federal student loan servicing
  • Dealing with your lender or servicer
  • Received bad information about your loan
  • TN
  • 378XX
 Web
i was attending XXXX university when I took a loan out for school. when I started the XXXX XXXX and XXXX XXXX degree I was as least two years in when I tried to do an intern program with a XXXX XXXX office. I was told that I will not be able to do so because I was a XXXX. I called the school and asked why I was told I can take this type of course with a record. I Did you inform the school of this status before the loan was certified or originated they said I should be fine. well it turns out I wasn't fine,. I called the department of education and was told to submit the loan discharge form and on it it asked the reason. I wrote on there because I was a XXXX and showed them the proof of this. I shouldn't have to pay it back for them telling me I was good when I really wasn't. not for that degree or field. the department of education said it the proof wasn't good enough. then what is?
02/26/2019 Yes
  • Debt collection
  • Credit card debt
  • Attempts to collect debt not owed
  • Debt was paid
  • MA
  • 02301
 Web
Good Evening, and please help me with this WRONG REPORTING/WRONG BALANCE!!!. I called XXXX directly to learn more about this alledged debt under my credit report, and right on the conversation, the rep 's computer crashed and she said that she will transfer me to a third party collection company called XXXX XXXX XXXX, which has a very unprofessional customer service ; inappropriate collection techniques ; and failure to provide verification of debt as requested. I've already gone ahead and paid this alleged debt and I was promised over the phone by your representative XXXX, as you can listen to the recording conversation, that upon the payment cleared from my bank account, XXXX will have all the major credit bureaus removed this negative items or accounts or tradeline from my credit report. Please kindly adhere as it was promise and have this account remove as I DO NOT OWE the debt.
12/08/2018 Yes
  • Debt collection
  • I do not know
  • Attempts to collect debt not owed
  • Debt is not yours
  • OH
  • 455XX
 Web
I have received many calls from this same company from multiple different phone numbers which come from multiple different states as well who asks for someone else when I answer then continues to argue with me & gives me private information about the other person in attempt to get me to identify them or their whereabouts as well as other information about their person & debt. I explain that I do not know about and have absolutely nothing to do with the debt that is discussed as it is not mine. They continue to argue with me and call even though I request they do not. Typically they will hang up when I threaten to notify my attorney of this harassment not related to me or my debt. XXXX ( XXXX ) XXXX 4X in past 2 days XXXX ( XXXX ) XXXX 3X in past 2 days XXXX ( XXXX ) XXXX 3X in past 2 days I deleted all other call records on my actual phone but they are on my phone record online.
03/15/2019 Yes
  • Debt collection
  • Credit card debt
  • Threatened to contact someone or share information improperly
  • Contacted your employer
  • LA
  • 700XX
 Web
On XX/XX/2019, and employee of XXXX XXXX called my place of employment, XXXX XXXX ( XXXX XXXX XXXX ). I have never allowed nor given permission, and always denied permission for any of my debt holders to contact my place of employment. I have repeatedly asked them to stop contacting my family, friends or anyone other than myself on my personal telephone, and would rather them only reach out through mail. She provided my co-worker with information regarding my personal debt collection matter that should not have been disclosed. She shouldn't have even provided that she was a debt collector. I can not receive communications from anyone at my job that is not a medical or family emergency. This company should be reprimanded for harrassment and disclosure of personal information. As a note, my employer also notified her that she is not to call work with my personal matters.
08/19/2018 Yes
  • Debt collection
  • Auto debt
  • Communication tactics
  • Called before 8am or after 9pm
  • WI
  • 546XX
 Web
Since XX/XX/2017, I told my auto loan company that I have had some medical problems and was not able to work anymore. I kept getting repeated phone calls. I have requested for lower payments also forgiveness for at least a year until I could get back to work. I would get constant calls from a dept collector asking for the full amount of money. No matter how many time I asked to talk to their manager to see what other options I have, I never received a call or any type of letter in the mail. The only letter I received in the mail was from debt collector asking for full payment. They also said in the letter that there would be judgments out against me if I dont send them the full payment of {$11000.00}. Like I said I have tried multiple times to talk to management to find out what other options I had. XXXX XXXX , XXXX was involved along with XXXX XXXX XXXX XXXX.
04/24/2015 Yes
  • Debt collection
  • I do not know
  • Cont'd attempts collect debt not owed
  • Debt is not mine
  • LA
  • 70726
 Web Older American, Servicemember
I received a bill for {$2100.00} from J.C.Christensen & Associates, Inc.for a bill at XXXX : XXXX Consumer. Original Creditor : XXXX XXXX XXXX XXXXCurrent Creditor : XXXX XXXX XXXX have never had a credit card nor have I ever had credit at XXXX.In fact I have never had a credit card of any kind in my life.I am XXXX years old and I do not plan to get any credit cards ever. J.C. Christensen & Associates Inc. were threatening when I called their toll free number XXXXXXXXThey sent me a notice of collection and special offer with an offer to send them {$540.00} for a settlement. The notice also says " The law limits how long you can be suedon a debt.Because of the age of your debt, XXXX XXXX XXXX will not sue you for it and XXXX XXXX XXXX will not report it to any credit reporting agency. " Any help or advice you can give me will be greatly appreciated, Thank you.
05/08/2015 Yes
  • Debt collection
  • Non-federal student loan
  • Cont'd attempts collect debt not owed
  • Debt is not mine
  • SC
  • 29456
 Web
Enterprise Recovery Systems , Inc . XXXX XXXX XXXX, IL XXXX : ERS Account # XXXXDear ERS/XXXX XXXX, I am responding to your contact about collecting a debt. You contacted me by mail dated XXXX XXXX, XXXXand identified the debt as XXXX. I do not have any responsibility for the debt you 're trying to collect. If you have good reason to believe that I am responsible for XXXX of debt owed to you, mail me the documents that makeyou believe that. Stop all other communication with me and with this address, and record that I dispute having any obligation for this debt. If you stop your collection of this debt, and forward or return it to another company, please indicate to them that it is disputed. If you report it to a credit bureau ( or have already done so ), also report that the debt is disputed. Thank you for your cooperation. Sincerely, XXXX
02/04/2017 Yes
  • Student loan
  • Non-federal student loan
  • Dealing with my lender or servicer
  • Received bad information about my loan
  • OH
  • 44124
 Web
I have collection from XXXX University ; and I lost my job and Could n't pay for 3 months to the XXXX University and they send me collection for ALLTRAN ED I did agreement with ALLTRAN ED and I 'm paying every month without any problem But they do not inform credit bureau about agreement plan and about my payments I can not get any loan my credit history is very low. I cant fixed by credit history I called XXXX University XXXX department tried to explain the situation and asked them if they could recall my debt from collection agency but the XXXX University not willing to help either When I call collection agency they are telling me they will inform next 15 days or next 30 days or next 60 days they will inform bur already over 1 year they still did not informed still they do not want to inform credit bureu about payment plan and my peymants
08/25/2020 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Incorrect information on your report
  • Information belongs to someone else
  • FL
  • 32962
 Web
Recently, I received a copy of my credit report and found several inquiries and accounts on my credit report that were not opened by me. I don't have any knowledge of these accounts being open. They were opened fraudulently. I understand that under federal law, ( the Fair Credit Reporting Act. ) unauthorized inquiries, and fraudulent accounts shall not be allowed to be placed on my file unless I have approved it.The presence of these fraudulent accounts and inquiries on my credit report constitutes inaccurate information, which must be removed under the Fair Credit Reporting Act. Respondent, please have the following inquiries removed from my credit file immediately because I did not authorize them, these creditors do not possess my signature, on any documentation, conveying my authorization to inquiry for a loan, or a line of credit.
04/27/2018 Yes
  • Debt collection
  • Auto debt
  • Written notification about debt
  • Didn't receive enough information to verify debt
  • CA
  • 94901
 Web
To whom it may concerns, I received a call from XXXX XXXX on XX/XX/XXXX and I agreed to pay my settlement which is {$3000.00} by the end of XX/XX/XXXXand they had it on record tape. But the they after which is XX/XX/XXXX they withdraw fund from my account and left a negative balance + overdrawn fee in my account. I called them and they admitted that it was their fault and agreed to pay the overdrawn fee for me. But I am really not happy with it since 6 days with XXXX balance in my account and I need to pay so many things before the end of this month. Can you please help to file a claim against this company. And if it's possible I would like to get my money back since they act was against their words and I didnt receive any mail or notice ahead of time. They basically just called and rushed me to pay for it. Please help. Thank You!
01/25/2016 Yes
  • Debt collection
  • I do not know
  • Communication tactics
  • Frequent or repeated calls
  • TX
  • 77845
 Web Older American
I am receiving repeated calls, voice messages, from " United Recovery Systems '' with the representative using the name " XXXX XXXX '' Calls come from XXXX and he wants me to return the call @ XXXX. I owe no one anything, have an XXXX FICO, my wife has an XXXX FICO ( Just checked on it ), and I want the calls to stop. I think he is just phishing. I think they are just robo calling and there is no underlying debt whatsoever. I am concerned that if I call back and attempt to talk to them I will reveal my real name and other info he currently does n't have -- nor should he. A quick XXXX Search of this company turns up many reports of abusive practices, including phishing. I wo n't return the call to him as I am quite certain he is engaged in some sort of shady ( Illegal ) practice. I just want the calls to stop.
01/30/2018 Yes
  • Debt collection
  • Credit card debt
  • Attempts to collect debt not owed
  • Debt was result of identity theft
  • IL
  • 604XX
 Web Servicemember
I just got a letter in the mail XX/XX/18 from XXXX XXXX that they took over an account that the original creditor deemed fraud and that I wasn't responsible for. I called XXXX and explained that but a very rude customer service agent said it was " not her problem and she's here to collect payment. '' I asked her to send me the documents proving this account even belonged to me and she said " by law I don't have to provide that. '' I let her know I would mail in the dispute form on my own and preferred mail correspondence and they are not allowed to call me at any time for any reason. She said '' you better hope we don't track down your phone number. If we do, we'll call you whenever we feel like. '' I called the original creditor and they can't help as they no longer even have my account in their system so I'm stuck
07/07/2017 Yes
  • Debt collection
  • Auto debt
  • Threatened to contact someone or share information improperly
  • Talked to a third-party about your debt
  • FL
  • 33647
 Web
Alltran Financial , LP on behalf of XXXX XXXX XXXX XXXX has been, for the last four weeks contacting two of our tenants located in New York regarding this account. The phone numbers they called were XXXX and XXXX. Alltran repeatedly contacted these two tenants for the last four weeks regarding this account. The last contact was made today XX/XX/XXXX.

I contacted Alltran today XX/XX/XXXX and spoke with XXXX who CONFIRMED that yes they were contacting these two numbers because they needed to speak with me.

I asked them how they got this information and he stated he did n't know how his company obtained the information.

These two people ARE NOT related to me and should not have been contacted in the first place as XXXX XXXX XXXX was notified of our Chapter XXXX filing when we returned the leased vehicle.

05/18/2018 Yes
  • Debt collection
  • I do not know
  • Written notification about debt
  • Didn't receive enough information to verify debt
  • MD
  • XXXXX
 Web
On XX/XX/XXXX, XXXX XXXX called my cell phone. The representative asked for my husband. I told him that the cell phone number belonged to me and asked what it was about. He refused to answer. By then, I looked up the company 's name and learned that they were a debt collector. So, I requested to speak to a manager. When the manager answered, I explained that my husband was in the hospital and requested that they mail all information to our home address. I gave the manager our home address for written notices and asked that they stop calling my cell. Despite my request, XXXX XXXXl representatives keep calling my cell. After my request, I got at least 5 new calls from XXXX XXXX. Further, as ofXX/XX/XXXX, we still have not received any written notices from XXXX XXXX. We don't know what debt they are trying to collect.
10/07/2019 Yes
  • Debt collection
  • Credit card debt
  • Communication tactics
  • You told them to stop contacting you, but they keep trying
  • FL
  • 341XX
 Web
I had negotiated a settlement with XXXX for a XXXX VISA card. Despite making two payments to them and receiving several correspondence that my account was fine, " out of the blue '' I started to receive what, in my opinion, is continuously harassing phone calls from Alltran Financial , LP. I spoke with their representative, XXXX XXXX XXXX, and told her I had previously arranged a settlement with XXXX. I encouraged her to contact XXXX for further information. Despite this, she continues to call. I have also made numerous and repeated attempts to contact XXXX. But, either the call gets transferred to departments that are closed or they " fall on deaf ears '' by XXXX representatives who refuse to correct the problem. This has been very taxing on me emotionally and is also negatively affecting me financially.
04/25/2017 Yes
  • Debt collection
  • I do not know
  • Attempts to collect debt not owed
  • Debt is not yours
  • HI
  • 96740
 Web Servicemember
For the last 3 years I have been getting collection calls for a XXXX XXXX . I understand that this person may have had this phone number before it was given to me. When I am at home, I answer the phone and tell the agents that they have the wrong number. Some of them will update their information, but pass on the collection account to someone else so I have to do the same thing all over again. I guess they keep going back to the last phone number that the person had and therefore keep calling my number. I think this is harassment because I keep telling the people the same thing and they keep passing the information on about the client with my phone number. I do not know the names of these collection agencies or their numbers because different numbers come up, so I do not know how to stop this problem.
06/10/2016 Yes
  • Debt collection
  • Credit card
  • Cont'd attempts collect debt not owed
  • Debt is not mine
  • ID
  • 83686
 Web
I received a letter from United Recovery and responded immediately requesting verification including original signed contract because this is not my debt. I received a stack of papers but nothing with an original signature or any other information on United Recovery proof that this debt is going to the correct person. I sent another request with a very clear description of validation requests and Method of Verification and received the exact same information ... .they did not even change the date on the letter that said " in response to your inquiry here is the information you requested '' ... then just a stack of papers ... some blank! There was no investigation and they have no original contract. I want my information deleted I do n't know who they need to be in contact and it seems they do n't either.
01/13/2017 Yes
  • Debt collection
  • Other (i.e. phone, health club, etc.)
  • Disclosure verification of debt
  • Not given enough info to verify debt
  • KY
  • 42301
 Web
The documents will detail that I attended the original creditor institution, the University XXXX Kentucky, and that I withdrew in XXXX of 2011. This led to me becoming delinquent within 90 days after that withdrawal ; no payments were ever made within that time frame towards the remaining tuition balance. The account was sold, and has ended up being listed under Alltran XXXX. The Open Date reflects the date Alltran purchased this debt and is in no way reflective of the date of first delinquency. The DOFD needs to be updated to reflect reality and the account in question should be dropped as it has illegally re-aged this debt. The debt was also paid in full to Enterprise Recovery Systems, but the name was changed when the company changed their name to Alltran XXXX and my credit reports do reflect that.
01/31/2017 Yes
  • Debt collection
  • Credit card
  • Improper contact or sharing of info
  • Contacted me after I asked not to
  • VA
  • 201XX
 Web
I had fallen behind on payments with a XXXX XXXX account. I paid AllTran debt collector XXXX on XXXX/XXXX/XXXX which brought the account up to date. I was able to continue making payments on XXXX XXXX website and have done so every month since XXXX. I have been contacted in an attempt to collect the debt every month. I have told them I am not behind on the payments and am making payments as agreed with XXXX. They agree each month that they should not be calling. Last month I informed them I was beginning to consider the phone calls harassment as there was nothing for them to collect on. They agreed. I asked that I not be contacted again. Today ( XXXX/XXXX/XXXX ) I received a voice mail from XXXX at All Tran ) again regarding this account which is showing current and no payment due until mid XXXX.
04/23/2020 Yes
  • Debt collection
  • Federal student loan debt
  • Written notification about debt
  • Didn't receive notice of right to dispute
  • AZ
  • 85705
 Web
One of my student loans went into default and I realized this when I logged into my students loan account. I have never received any correspondence from the debt collection agency Alltran education. I reached out to them to start the loan rehabilitation process, and I requested the loan rehabilitation process in writing I was asked for my bank account information and was told that I would be sent a letter after I started making payments. I made the mistake of giving them the information and was charged the first payment. I have yet to receive anything in the mail and I have been calling them every week. They just say that it will be sent to me, but it has already been 2 weeks and I have not received anything. I also requested to receive the information by email and that still has not been done.
07/01/2017 Yes
  • Debt collection
  • Federal student loan debt
  • Attempts to collect debt not owed
  • Debt was paid
  • AZ
  • 85395
 Web
XXXX XXXX XXXX is attempting to collect on debt that is not valid. Currently, payments are being made to a federal entity which reflects on my credit report. I have sent XXXX XXXX XXXX proof of the payment consolidation and the Alltran refuses to delete from the credit file. In addition, the account from the same original creditor ( XXXX XXXX University ) was deleted from credit file from all three credit bureaus ( XXXX, XXXX, and XXXX ) in XXXX 2016 and now is re-appearing on my credit file for XXXX after deletion. I faxed in all proof to XXXX XXXX XXXX and disputed inaccuracy with Butter Business Bureau and Consumer Finance Protection Bureau. The company has refused to delete this from my credit file. This account is being paid under XXXX XXXX XXXX XXXX which reflects on my credit file.
09/23/2015 Yes
  • Debt collection
  • Credit card
  • Cont'd attempts collect debt not owed
  • Debt is not mine
  • GA
  • 31406
 Web
I was shopping XXXX when the cashier asked me if I wanted a " rewards card '' I asked her if it was like a credit card and she said " No '' so I said ok, then I swiped my credit card and signed ( which I later found out that she had me sign for aXXXX XXXX credit card '' I NEVER received a card, never activated any card but yet they are telling me I have owed money on a credit card. I have been telling the company and every debit collector this story and I have paid money on it to have them to stop building interest on this card. The cashier lied and tricked me so that she could be rewared for getting people to take out credit cards but no one is trying to fix this problem, and last I spoke to the collectors, they said they would send me a dispute form and I have not heard from them since.
03/26/2015 Yes
  • Debt collection
  • Credit card
  • False statements or representation
  • Attempted to collect wrong amount
  • GA
  • 30135
 Web
my credit card debt of {$830.00} was sent to United Recovery Systems. After constant harassment in the form of multiple phones calls at odd hours of the day, they offered me a settlement deal of {$410.00} and was told to secured the deal by giving them my bank account number so they can do a direct draft of $ 50 monthly. I agreed to the settlement but rather opted to pay them with a cheque and also promised to pay the rest of the settlement as soon as my income tax refund is received. I made the first {$50.00} payment and immediately they received the cheque they turned around and told me the amount will go towards the balance of {$830.00} and then they can not offer me the settlement. I therefore feel that they have breeched the agreement they had with me and also taken my money.
05/22/2019 Yes
  • Debt collection
  • I do not know
  • Communication tactics
  • You told them to stop contacting you, but they keep trying
  • TX
  • 76148
 Web
They are trying to reach XXXX XXXX, someone I do not know and have never known. He would not have had this phone number for over 10 years ( because I have had it exclusively all that time ). I tell them all of this every time and they say they will remove me. Then they start calling from a new outgoing number and pretend I've never told them that and they've never talked to me before. But it's always XXXX looking for XXXX XXXX. I tell them I'm on the Do Not Call registry and they ignore it. I think because they are probably debt collectors ( but they won't verify that with me because again I'm not XXXX XXXX and don't know him ). They won't tell me where they're getting my number from/why they have it erroneously connected to him. They're rude and confrontational. They lie.
07/26/2018 Yes
  • Debt collection
  • Credit card debt
  • False statements or representation
  • Attempted to collect wrong amount
  • CA
  • 92879
 Web
I received a letter on XX/XX/2018 was the date on the letter so I got it a few days later. It said to pay this amount within the 30 days or send a dispute. Wasn't going to dispute the outrages interest, I sent them a check in the amount at the top of the page. sent on XX/XX/2018 I wront on there as I do on all final payments " paid in full ''. They returned the check XX/XX/2018 with letter, it was the wrong amount they added an additional {$38.00} on to the bill. Then I receive another letter from the original creditor for another {$38.00} totaling the bill now at XXXX. First who do I pay? Second I am not paying all these extra charges since all they have to do is hold back a check and charge me more. I do not know if they are on commision or not but it looks like it.
04/02/2015 Yes
  • Debt collection
  • Credit card
  • Disclosure verification of debt
  • Not given enough info to verify debt
  • MT
  • 598XX
 Web
XXXX XXXX XXXX sent a letter stating that the account had been referred for collection. There was no information sent to validate the debt, rather letter states that I have to dispute debt before they would provide validation. It immediately threatens a judgment instead of listing the process to verify the debt and move forward. I sent letter requesting that the debt be verified, that they were indeed engaged to collect the debt, etc. The only information that was sent to me were statements of the account. This provided absolutely no documentation that the firm was indeed authorized and engaged by the creditor to collect the debt. Additionally, during this time, their representative XXXX XXXX was literally " XXXX '' my phone every day multiple times per day.
06/14/2016 Yes
  • Debt collection
  • Credit card
  • Communication tactics
  • Frequent or repeated calls
  • CA
  • 91107
 Web
XXXX XXXX sent me to collections. I began paying the collection agency ( United recovery Systems in XXXX ) every month and when I did, I received a notification from XXXX XXXX via e-mail. They now do not send me statements anymore. When I call them to get my balance, they direct me to XXXX XXXX. When I call XXXX XXXX, they ca n't help me and tell me to call XXXX XXXX. I have never received any correspondence from XXXX XXXX. When I call the number that XXXX XXXX gave me for XXXX XXXX, they answer the phone, saying, " XXXX XXXX '' and say they are not Nationwide Credit. I need your help. I want to finish paying this bill and I want to resolve the credit reporting issues for this debt. How can I find out my balance and find out if I am paying the right company?
05/21/2019 Yes
  • Student loan
  • Federal student loan servicing
  • Dealing with your lender or servicer
  • Received bad information about your loan
  • TX
  • 75071
 Web
My tax refund of {$1500.00} was garnished this year by Alltran Education , Inc. and the U.S. Department of Education. I have been evicted in XX/XX/XXXX of this year, and officially deemed " homeless '' in XXXX County as of XX/XX/XXXX. All calls to Alltran Education , Inc. and the U.S. Department of Education have been ignored. Specific individuals I have dealt with are XXXX XXXX at the U.S. Department of Education and " XXXX XXXX '' and " XXXX '' of Alltran. None of these employees disclosed their employee ID numbers to me. My tax refund was also garnished last year ( XX/XX/XXXX) of over {$2000.00}. I now am officially homeless, living on the streets because Altran and the U.S. Department of Education have ignored my complaints time and time again.
12/11/2016 Yes
  • Debt collection
  • Other (i.e. phone, health club, etc.)
  • Cont'd attempts collect debt not owed
  • Debt was paid
  • IL
  • 60077
 Web
I forwarded the following with all attachments of payments to this debt collector but I am still getting contacted. XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, 2016 Alltran Financial , LP XXXX XXXX XXXX XXXX XXXX XXXX Re : Billing Error Notice - Account Number ending in XXXX To Whom it May Concern : I have received your bill in the amount of {$3900.00} regarding a collection for the XXXX Account. I have paid this bill in full to XXXX on XXXX XXXX in the amount of XXXX with the following confirmation number : XXXX. I no longer owe any debt to XXXX bank. Please check your records and correct my account. Also, please do not send me any more bills or call me until this matter is settled. Sincerely, XXXX XXXX XXXX XXXX XXXX, 2016
07/06/2020 Yes
  • Debt collection
  • Credit card debt
  • Communication tactics
  • You told them to stop contacting you, but they keep trying
  • OH
  • 43110
 Web
I contacted XXXX XXXX, via Vertified USPS ( XXXX ), on XX/XX/XXXX, to dispute an alleged account and the balance, and ask I only be contacted, via USPS Mail, and XXXX XXXX, cease communications. XXXX XXXX, received my request, XXXX, XXXX, XXXX. Then on XXXX, XXXX, XXXX, I was contacted by a XXXX XXXX, with Alltran, in regard to the above referenced account, who left a voicemail message on my telephone, in spite of requesting this debt be validated within thirty-days, and XXXX XXXX, cease and desist communications regarding this alleged account. I never received any mailings in regard to my dispute within thirty-days of my request. Please see the attached documents ( validation letter ), receipts, and voicemail recording from XX/XX/XXXX.
03/17/2022 Yes
  • Debt collection
  • Credit card debt
  • False statements or representation
  • Attempted to collect wrong amount
  • NY
  • 117XX
 Web
XXXX XXXX, through its Collection Agent, Alltran Finacial claimed to have agreed to a resolution of a disputed debt. When asked for written confirmation of the arrangement, Alltran initially claimed a letter memorializing the arrangement was mailed. One week later the promised letter never arrived. Alltran refused to email or fax confirmation of this arrangement and then advised that unless a payment was made ( despite still refusing to confirm anything in writing ) XXXX XXXX would " recall '' their file. Every effort was made to assist Alltran in confirming the arrangement in writing. An email initiated to Alltran memorializing the terms was not responded to. Alltran 's refusal to confirm terms of the arrangement are highly problematic.
01/18/2016 Yes
  • Debt collection
  • Other (i.e. phone, health club, etc.)
  • Cont'd attempts collect debt not owed
  • Debt was discharged in bankruptcy
  • MI
  • 48180
 Web Servicemember
Credit Reporting Agency fails to removed inaccurate account from my credit report. There is an account with Enterprise Recovery Systems which began reporting on XXXX 2015, and have been reporting ever since to day. The problem is I was in a no assest based Chapter XXXX bankruptcy that was discharged on XXXX. This debt is from XXXX, and the Credit Reporting agency refuses to delete. This debt ca n't be assigned to Enterprise Recovery system on XXXX if all debts were discharged on XXXX. Thus Enterprise Recovery Systems has no collection authority on a discharged debt nor can they be assigned an already discharged debt. I have disputed with both the credit reporting agency, and enterprise recovery system and they are refusing to delete.
08/24/2016 Yes
  • Student loan
  • Federal student loan servicing
  • Dealing with my lender or servicer
  • Received bad information about my loan
  • CA
  • 94566
 Web
ERS took charge of my XXXX loan from XXXX in XXXX. XXXX refused me a deferment even though I was entered into XXXX. All my other student loans have been in deferment. ERS did not make any attempts to collect the debt for over two years, while I was XXXX. They had my permanent address, nothing was sent. After returning in XXXX, I have tried to get some transcripts from XXXX to enter a teacher education program. In the process I learned about ERS and have contacted them multiple times for information. They were unable to tell me when they acquired my debt. Today, on XXXX XXXX XXXX, and I was told that my account was opened with them in XXXX of this year. The school refuses to speak with me about the loan and ERS is giving me misinformation.
05/12/2016 Yes
  • Debt collection
  • Credit card
  • Improper contact or sharing of info
  • Talked to a third party about my debt
  • NJ
  • 080XX
 Web
Back on XXXX XXXX, 2014, a company called United Recovery Systems called a phone number associated with my out of state employer in an attempt to contact me. When the phone was answered, the debt collector proceeded to disclose a debt I have with XXXX XXXX to the person who answered without confirming who they were speaking to. A cease and desist letter was sent to the company, XXXX XXXX and the Attorney General 's in both XXXX and XXXX, where I reside. Complaints went unanswered by the collection company and creditor, and to date, the AG 's are pending responses from both companies. There has been no further attempts at debt validation or written communication to date from the original creditor or 3rd parties acting on their behalf.
07/12/2016 Yes
  • Debt collection
  • Other (i.e. phone, health club, etc.)
  • False statements or representation
  • Attempted to collect wrong amount
  • IL
  • 613XX
 Web
They have unfairly contacted me for the purposes of debt collection. Their attempts can be deemed illegitimate due to the fact they sent me no formal notification of collection 30-days before the calls started which goes against the Fair Debt Collection Practices Act. They are trying to collect a debt that is also in the process of being paid to the party to which it is owed. They continue to use coercive and extortionary language during their calls to me, telling me and my family that we could face some serious penalties if no money is given to them. In reaching out to the original creditor, they indicated to continue to send the payments to them as the individuals at Enterprise Recovery Systems in XXXX XXXX are paid on commission.
02/10/2021 Yes
  • Debt collection
  • I do not know
  • Took or threatened to take negative or legal action
  • Sued you without properly notifying you of lawsuit
  • TX
  • 78218
 Web
On XX/XX/2021 I was awakened at XXXX XXXX to a recording by a message left by XXXX XXXX at XXXX XXXX central time stating that he was an attorney and he was going to sue me. I checked with the state bar association and found out XXXX XXXX is not an Attorney it appears that he is merley a debt collector with Altran Financial When I was checking my credit reports which I often do I discovered that Altran Financial pulled my credit report without my permission that in itself Is a violation. When I contacted Altran Financial regarding this matter The representatives who answered hollered at me using offensive racial Slurs. Also they contacted me on my cell phone which is a violation of The Telephone Consumer Protection Act.
05/19/2019 Yes
  • Debt collection
  • Credit card debt
  • Attempts to collect debt not owed
  • Debt was result of identity theft
  • IL
  • 60652
 Web
Hello, I received a notice of collection from Alltran Financial , LP / XXXX XXXX on the date of XX/XX/2019. Im informing to all parties involved this account was a result of identify theft. This account has already been reviewed and removed by the original creditor XXXX XXXX XXXX. The account also has been removed by XXXX XXXX. XXXX XXXX is in direct violation of the FCRA for attempting and also passing off a debt to another company and they are fully awhere this account is a result of fraud. If XXXX XXXX attempts to contact me again in any form email, phone, mail. I will pursue all legal options against them and all parties involved. I also will be reporting this violation to the CFPB again. Thank you have a nice day.
03/01/2016 Yes
  • Debt collection
  • I do not know
  • Cont'd attempts collect debt not owed
  • Debt is not mine
  • CA
  • 95648
 Web
Called asking intrusive questions eluding that i know a person named XXXX XXXX and my name is on this persons file. I do n't know this person. Rude, accusatory, argumentative - XXXX XXXX I believe his name is - I believe he knows I do n't know this person - yet he asked for me by name - will these debt collectors ever stop - it used to be another person that i would get these calls for. Why ca n't these stop! They just keep changing company names or who they are trying to collect from. I am on a do not call list. My number is not listed. Please make these people stop this. I receive multiple hang ups a day because I ca n't even answer my phone because its always debt collectors looking for people i do n't even know!
08/31/2018 Yes
  • Debt collection
  • Federal student loan debt
  • Attempts to collect debt not owed
  • Debt is not yours
  • CA
  • 93455
 Web
I was contacted on XX/XX/2018 by Alltran Education about a debt I know that I do not owe to the U.S. Department of education. The supposed principal balance is {$3500.00} with an interest of {$35.00} and added fees of {$860.00}, adding up to a total of {$4400.00}. I know that this is a debt that does not exist, however, because when I log into my Federal Student Aid account thing with my FSA ID it is nowhere to be found. Nothing like this has ever happened to me and I have no idea what to do, so please I need help? I know this debt doesn't exist but I'm still scared. They threatened that my debts would be reviewed for Administrative Wage Garnishment and I could have up to 15 % of my wage be withheld by my employer.
07/14/2022 Yes
  • Debt collection
  • Auto debt
  • Took or threatened to take negative or legal action
  • Threatened or suggested your credit would be damaged
  • PA
  • 183XX
 Web
ALL XXXX XXXX XXXX has violated my rights and broken laws in doing so according to 15 US code 1692b.section 5 ANY DEBT COLLECTOR COMMUNICATING WITH ANY PERSON OTHER THAN THE PURPOSE OF ACQUIRING LOCATION INFORMATIOM ABOUT THE CONSUMER HALL NOT USE ANY LANGUAGE OR SYNBOL ON ANY ENEVLOPE OR IN CONTENTS OF ANY COMMUNICATION EFFECTED BY MAILS OR TELEGRAM THAT INDICATES THAT DEBT COLLECTOR IS IN THE DEBT COLLECTING BUSINESS OR COMMUNICATION RELATES TO COLLECTION OF DEBT. 15 US CODE 1692D HARRASSMENT OR ABUSE .SECTION 5 A DEBT COLLECTOR SHALL NOT CAUSE A TELEPHONE TO RING OR ENGAGING ANY PERSON IN TELEPHONE CONVERSATION REPEATEDLY OR CONTINUOUSLY WITH INTENT TO ANNY ABUSE OR HARRASS ANY PERSON AT THE CALLED NUMBER.
04/26/2016 Yes
  • Debt collection
  • Credit card
  • Communication tactics
  • Frequent or repeated calls
  • NY
  • 11714
 Web
United Recovery. This company calls my work number, my home, my cell, and various relatives constantly and repeatedly. I dealt with this company several years ago and they lied to me and told me that I was already being sued but if I agreed to a payment at that time the suit would be dropped. That was a lie. Now I am dealing with this company again and the calls are constant. I ca n't believe a word they would say after the last time. In addition, they recently called my sister in law and told them they were a debt collector looking to collect a debt, and could she give contact information or pass that on. I was under the impression they are not permitted to disclose that information to a 3rd party.
08/30/2017 Yes
  • Debt collection
  • Federal student loan debt
  • False statements or representation
  • Impersonated attorney, law enforcement, or government official
  • WV
  • 26101
 Web
On XXXX XXXX I was pressured by XXXX XXXX XXXX into consolidating a loan that was owed through XXXX XXXX XXXX. It was report to me I needed to pay 6 thousand and some dollars. I want to know why I was not offered a payment plan? I was given two options Pay debt in one lump sum or reconsolidate or be in Federal Default. Also I would like to know why your debt that you collected does not match up with a federal website? Below is a list of questions along with supporting evidence that you collected more on a debt then what I owed. Also XXXX state I paid XXXX on this debt through email communication so how I still owe XXXX on a XXXX dollar loan I am unsure. Below you find all supporting documentation.
11/16/2016 Yes
  • Debt collection
  • I do not know
  • Improper contact or sharing of info
  • Talked to a third party about my debt
  • ID
  • 83686
 Web
A company called United Recovery services has been continually harassing me with repeatedly phone calls daily about debt they can not provide full information on. I 've called and asked for how they obtained my information, and they hang up. Today, they contacted a family member that they obtained his phone number illegally and without his or my permission, then they proceeded to harass him on the phone, claiming his was lying about his identity. When he asked who they were and what they were calling about, they refused to give any information. This is absurd that a company is allowed to do this and to illegally obtain other people 's contact information and then lie about it.
02/10/2020 Yes
  • Student loan
  • Federal student loan servicing
  • Struggling to repay your loan
  • Can't get other flexible options for repaying your loan
  • NC
  • 28227
 Web
I got this loan in XX/XX/XXXX and I am being contacted by a debt collector being Alltran Education Inc., I informed them that I will pay my loan balance of {$4200.00} but they are refusing to accept that amount and instead are trying to collect {$13000.00}. They have also placed me under garnishment and has taken my XX/XX/XXXX tax return which was about {$1200.00} but the balance was not reduced. I have contacted them to requested a settlement and that the garnishment be removed and they are refusing and offering me a payment of {$400.00} per month for 10 years. This debt is more than 20 years old and at this point I want the garnishment removed and the debt to be forgiven.
10/03/2018 Yes
  • Debt collection
  • I do not know
  • Attempts to collect debt not owed
  • Debt is not yours
  • TX
  • 752XX
 Web
I XXXX XXXX received a letter from XXXX XXXX dated XX/XX/18 stating that I owe them a debt of {$680.00}. Furthermore they are admitting that they bought the debt from another agency named XXXX XXXX. I have no knowledge of either of these companies and I'm positive that I don't have a contractual agreement with either of them to pay them any amount. I fully believe that this is not my account or is a case of mistaken identity. I also request full validation of the debt from XXXX XXXX. Either way I'd like this account immediately and permanently " deleted '' from any credit bureaus or reporting agencies as I am positive that my rights are being violated. Thanks.
08/15/2016 Yes
  • Student loan
  • Non-federal student loan
  • Dealing with my lender or servicer
  • Need information about my balance/terms
  • NY
  • 10309
 Web
Student loans from XXXX XXXX XXXX XXXX got sold to ERS ( Enterprise Recovery Systems , Inc earlier this year. When that happened, I had already paid off a large chunk of the loans and ERS attempted to collect on the original amount. I then decided to request debt validation from them several times and sent them XXXX debt validation letters to confirm my payment history and agreement. They have ignored these requests several times and continue to make attempts to collect on the original amount of the loans. Please investigate this matter and send me proper validation. Thank you. School : XXXX XXXX XXXX XXXX XXXX : XXXX XXXX XXXX, XXXX, New York XXXX | ( XXXX ) XXXX
07/16/2016 Yes
  • Debt collection
  • Auto
  • Communication tactics
  • Threatened to take legal action
  • PA
  • 18951
 Web
I 'm tired of XXXX, After several past complaints with you, after making payment arrangement receiving bill due XXXX 2016, On XXXX XXXX XXXX my car was a repossession, aside from all the headache of getting their XXXX over all this, while I 'm crying needing my daughters winter coats, they were transferring here there with. nasty unprofessional service. I guess this stuff is exciting to some anyway now I 'm billed almost XXXX amazing how I 'm targeted. Give me a break. Same company in XXXX. I explained my dog passed of XXXX, she said I need to get my finances in order. Please leave me rest. they got away already with enough. Greed and they come back from more
02/03/2018 Yes
  • Debt collection
  • Credit card debt
  • Attempts to collect debt not owed
  • Debt was result of identity theft
  • AZ
  • 85142
 Web Servicemember
I am a victim of identity theft. Someone opened a credit card account with XXXX XXXX XXXX and now the account is with the debt collection agency XXXX XXXX XXXX XXXX. I have been receiving harassing telephone calls at XXXX XXXX daily from XXXX XXXX XXXX XXXX representatives who has been using abusive and profane language against me, making death threats and threats of legal action for a debt that dont belong to me, and is the result of identity theft. I have never applied for a credit card with XXXX XXXX XXXX. The debt is not mine and dont belong to me. XXXX XXXX XXXX XXXX is in violation of the Fair Debt Collection Practices Act ( FDCPA ) under Federal law.
11/25/2015 Yes
  • Debt collection
  • Medical
  • Communication tactics
  • Frequent or repeated calls
  • MN
  • 55420
 Web
I have sent NUMEROUS complaints about the same company : J.C. Christiansen associates over the past few years. They constantly call my number they do not display who is calling on the caller ID. It shows " Not in Use ''. They repeatedly called me every day m-saturday starting at XXXX till after XXXX. several times a day up to 5 times. I have told them not to call me several times and asked for everything to be sent in writing. I have spoken to several people XXXX, XXXX XXXX and a few I forgot. No one seems to take heed to my requests. I have also complained to my Atty generals office in the past and they stopped for a while. Please shut yhis place down.
12/11/2015 Yes
  • Debt collection
  • Credit card
  • Improper contact or sharing of info
  • Talked to a third party about my debt
  • PA
  • 18951
 Web
The collector may be violating the Fair Debt Collection Practices Act, or FDCPA. On XXXX/XXXX/2015 I received a call from my friend that United Recovery Systems XXXX called them on their cell phone [ WHCIH I HAVE NO IDEA HOW THEY GOT UNLESS THEY HACKED MY COMPUTER ] ( about XXXX XXXX est ). They disclosed information to that party that is in NO WAY associated or tied to the obligation. The number they called was from XXXX. If they did hack any personal data, they are criminally liable for theft. This collector has called my cell phone often ; my wife 's cell phone and my home line at least 2x per day. This has stepped way over the boundaries of the law.
08/03/2017 Yes
  • Debt collection
  • Credit card debt
  • False statements or representation
  • Attempted to collect wrong amount
  • LA
  • XXXXX
 Web Older American, Servicemember
XXXX XXXX 2017 - I WAS TOLD THAT I ONLY OWED {$580.00} FROM THE ORIGINAL CREDITOR, BUT THE COLLECTION COMPANY STATED I OWED {$1200.00} WITHOUT SUBMITTING AN INVOICE OR STATEMENT NOTIFICATION INDICATING NEITHER FINANCE CHARGES/FEES OR WHY THE AMOUNT FROM THE ORIGINAL CREDITOR IS SO VASTLY DIFFERENT. ON XXXX XXXX 2017 - I CONTACTED THE ORIGINAL CREDITOR WHO STATED MY NEW BALANCE AT {$480.00} AND THE COLLECTION COMPANY INDICATING A {$1200.00} BALANCE. ALL OF THE CREDIT BUREAU ( XXXX XXXX, XXXX, AND XXXX ) ARE REPORTING THE AMOUNT STATED BY THE ORIGINAL CREDITOR. I CAN SUBMIT COPIES OF THE DISPUTED INFORMATION AND CREDIT REPORTS IF NEEDED.
12/09/2017 Yes
  • Debt collection
  • Credit card debt
  • Threatened to contact someone or share information improperly
  • Talked to a third-party about your debt
  • CA
  • 91606
 Web
To whom it may concern, My wife and I have just recently received calls from both her parents and mine in regards to a debt we have with XXXX XXXX which is with XXXX XXXX XXXX XXXX After speaking to my father whom stated he advised the representative he was not Me that they were calling my father. They disclosed to him my balance the last time I made a payment. My father then told all my family members and it has affected my wife 's business. I would love for them them to clear this up but unfortunetly the damage is done. Not only are they affecting the way we make income but they placed us in an unbearable situation with the family.
09/20/2019 Yes
  • Debt collection
  • Other debt
  • Attempts to collect debt not owed
  • Debt was result of identity theft
  • AZ
  • 850XX
 Web
I am writing to request this company to cease and desist. I do not owe any money XXXX due to the following : 1. There was fraud committed on me by a online thief. 2. This was reported to XXXX and it went to their fraud department. 3. A police report was filed because a fraudulent check was sent by online scammers. 4. XXXX cleared the check before they verified that it was real, which it was not. Then XXXX returned the check days later. I am the victim of fraud and submitted all evidence to XXXX and to XXXX Police department. This collection company needs to stop harassing me and stop this illegal collection that I do not owe.
08/25/2015 Yes
  • Debt collection
  • Non-federal student loan
  • Disclosure verification of debt
  • Not disclosed as an attempt to collect
  • CA
  • 96003
 Web
XXXX of ERS XXXX, IL XXXX keeps calling and harassing me about a debt she can not validate. But, the debt is not in default and I have not been contacted by my creditor regarding this company. They are trolling. When I asked them to identify themselves and the nature of their business, they refused. When I told them I do not do business over the phone, they threatened me. " Then suffer the consequences! '' And, " It 's too late for all that suffer the consequences! '' She sent me a correspondence XXXX XXXX, with no knowledge of any creditor and trying to sign me up for XXXX. I have no debt in default ; I 'm six months late.
10/05/2017 Yes
  • Debt collection
  • Auto debt
  • Attempts to collect debt not owed
  • Debt was paid
  • CA
  • 94582
 Web
XX/XX/XXXX {$370.00} Alltran Financial , LP claims there is an unpaid lease charges reported by XXXX XXXX XXXX. Alltran Financial claims I HAVE TO DISPUTE THE VALIDITY OF THE DEBT within 30 days, otherwise they will ASSUUME this debt is valid. I called their provided number and I have reached is a voicemail. I received a letter from XXXX XXXX XXXX dated XX/XX/XXXX all obligations have been fulfilled and their record shows a zero balance. I have also called XXXX XXXX XXXX today after receiving the letter from Alltran Financial , LP, and confirmed my lease payment has been fulfilled and account was closed since then.
08/07/2023 Yes
  • Debt collection
  • Auto debt
  • Attempts to collect debt not owed
  • Debt was paid
  • TX
  • 766XX
 Web
XXXX of this year I made an agreement with Alltran financial regarding one of my accounts. I made a one time lump sum payment to close the account and I have been continuing to make monthly payments on the other account. I just received a collection letter from XXXX XXXX solutions trying to collect on the account that I settled with Alltran in XXXX of this year. Not only did they lie to me on this account being closed but they sold it to another collection company. I'm a little confused. If a person honestly tries to make right debts they owe, is their no responsibility on the collectors side to be honest?
02/22/2023 Yes
  • Debt collection
  • I do not know
  • Attempts to collect debt not owed
  • Debt is not yours
  • TX
  • 78634
 Web Servicemember
I have received 7 calls since XX/XX/XXXX to my personal cell for a family member that has been Deceased since XX/XX/XXXX. On XX/XX/XXXX at XXXX and XX/XX/XXXX at XXXX CT I actually answered. They asked for the person to which I informed them they were no longer alive and the date of death and asked politely for them to stop contacting me. Every single time someone calls asking for my mom it brings up all of these horrible emotions ( was a horrible house fire that cause her AND my step father 's death ) and my XXXX XXXXXXXX XXXX XXXX all day and I keep rehashing what happened. They need to STOP CALLING ME!!
02/13/2019 Yes
  • Debt collection
  • Credit card debt
  • Communication tactics
  • Frequent or repeated calls
  • CO
  • 80022
 Web
I XXXX XXXX along with my husband XXXX XXXX are going through a long term financial hardship. We most likely will be filing for a Chapter XXXX bankruptcy in the near future. In the meantime, we have asked numerous debt collection agencies to cease and desist making threatening calls to both of our cell phones. These collection agencies are even calling our neighbors and relatives looking to make contact with us. This has to be an illegal collection practice, and we do not desire to have relatives know of the financial problems we are going through. Accordingly, we wish to have all calls cease immediately.
07/08/2015 Yes
  • Debt collection
  • Other (i.e. phone, health club, etc.)
  • Cont'd attempts collect debt not owed
  • Debt is not mine
  • CA
  • 90044
 Web
I went in to the hair club for men for a free consultation they gave me a price quote that day I explained to them I would have to talk to my girl friend for her opinion she told me no not to do it. hair club called me the next day I spoke with ericia whereas I inform her that I could n't afford the process and to cancel all appointments she called twice more I told her three time I was interested she confirmed an canceled she told me. a few months later I get this bill from them whereas I told them I never received any services an I canceled the bill went into collections for services I never received.
08/19/2015 Yes
  • Debt collection
  • I do not know
  • Improper contact or sharing of info
  • Talked to a third party about my debt
  • MD
  • 21136
 Web
United Recoveries called my home today in an attempt to collect a debt allegedly owed by my mother-in-law. My mother-in-law has NEVER lived at my home and United Recoveries called just to get information on her. Although the call was from United Recoveries, the phone number they called from, XXXX, displayed the caller ID of " XXXX XXXX '' an unrelated company in a clear attempt to mislead me. Also, United Recoveries recorded the call prior to obtaining my consent and peppered me with question immediately in an attempt to distract me from the statement that they would be recording the call.
12/19/2017 Yes
  • Debt collection
  • I do not know
  • Communication tactics
  • You told them to stop contacting you, but they keep trying
  • PA
  • 179XX
 Web
XXXX XXXX XXXX has been calling my home multiple times per day for the past 2 months. I have asked them repeatedly to stop. Some representatives have hung up on me. Others have yelled and cursed at me. One representative told me right out that they would continue to call despite my request to stop the calls. The calls start first thing in the morning and continue right through the night. I submitted a cease and desist letter on their website advising them that I would take legal action if the calls continue. They still continue to call multiple times per day. Something needs to be done.
05/31/2018 Yes
  • Debt collection
  • Credit card debt
  • Attempts to collect debt not owed
  • Debt was paid
  • HI
  • 96818
 Web
I owed a credit from XXXX. A few months after miscommunication, the account transfered to XXXX XXXX XXXX XXXX. First week of XX/XX/XXXX, i called XXXX XXXX to pay all my remaining balances. I double checked if everything was all paid and they said yes. But a few months after, XXXX XXXX still sending me statements and balances on my credit report. I called XXXX XXXX again to confirm i already paid everything and they said yes, and eventually XXXX will stop collecting debts. Yet, the balance still showing and showed that i've been missing payments which led my credit score to go down.
09/30/2015 Yes
  • Debt collection
  • Other (i.e. phone, health club, etc.)
  • Communication tactics
  • Called outside of 8am-9pm
  • WA
  • 98203
 Web
I was contacted this morning, at XXXX on XX/XX/XXXX, 2015 by the number XXXX. The caller claimed I owed a debt to XXXX XXXX University. They confirmed the last 4 digits of my Social Security and my birth date. They declared an address they would be sending information to in Colorado, but I am not a Colorado resident. I did not accept any attempt to pay the debt, since I do not currently know what the debt is for. My understanding is that this debt is in error. Further, it is my understanding that the caller may have performed an illegal call at XXXX, since this is before XXXX.
05/02/2016 Yes
  • Debt collection
  • Credit card
  • Cont'd attempts collect debt not owed
  • Debt resulted from identity theft
  • CA
  • 916XX
 Web
Someone used my personal information and identity to create this fraudulent account. I did not give anyone permission to use my personal information and did not know this account even existed until I viewed my credit report. I have provided the debt collections agency with my police report, FTC Identity theft affidavit and letter of disputes. They continue to verify this fraudulent account with the credit bureaus and report it. They have neglected to remove this fraudulent account from my credit report and collections. I have sent them XXXX certified letters requesting
01/30/2023 Yes
  • Debt collection
  • I do not know
  • Attempts to collect debt not owed
  • Debt is not yours
  • OR
  • 974XX
 Web
On XX/XX/XXXX at XXXX XXXX XXXX I was contacted by XXXX XXXX XXXX XXXX over the phone at ( XXXX ) XXXX, a person named XXXX contacted me about a debt for a person that is not me, XXXX even admitted that it was not for me once I verified just my year of birth. The company refused to identify itself as a debt collector insisting on it being a personal financial call. They contacted me before XXXX XXXX. They contacted me for a debt that was not mine. They have refused to identify themselves as debt collectors and instead lie and say its for a personal financial call.
10/03/2017 Yes
  • Debt collection
  • I do not know
  • Communication tactics
  • You told them to stop contacting you, but they keep trying
  • CA
  • 93311
 Web
I was contacted on XXXX, XXXX and XXXX by Alltran Financials ( the company name they gave me ). They were looking for my brother who does not live with me and never has lived with me since we were children. I told them that he does not live with me and to stop calling me. Their return phone number is XXXX which is used by United Recovery Systems - a debt collection agency. I do not have any outstanding debts but they keep calling me and harassing me about my brother 's debts. I have already told them he does n't live with me and to stop calling me but they still call.
03/16/2019 Yes
  • Debt collection
  • Credit card debt
  • Communication tactics
  • Used obscene, profane, or other abusive language
  • MO
  • XXXXX
 Web Older American
Receive around 14 calls a day from them. Spoke with a gentleman named XXXX at extension XXXX he advised they had already sent out statements and proof of debt what more did I want. Just pay the debt. I have not received one thing from this collection agency, not even a letter showing they have a right to collect. XXXX was very rude and abusive towards me. I spoke with my son and advised him this debt did not belong to me. He helped me fill an identity theft report and I sent a letter to this collection agency today along with my FTC identity theft report.
03/15/2017 Yes
  • Debt collection
  • I do not know
  • Cont'd attempts collect debt not owed
  • Debt is not mine
  • PA
  • XXXXX
 Web
I have been contacted incessantly and at all hours by various representatives of Alltran Financial LP. They state I " owe '' {$2200.00} for a " judgement '' to XXXX on behalf of XXXX dating back to XX/XX/2011 but offer to " settle '' it for {$1600.00}. I do NOT owe Alltran Financial LP, XXXX, XXXX nor anyone else they claim to represent ANY balance! I have asked repeatedly for written proof of a valid debt and have yet to receive it. In addition, my numerous requests that they CEASE & DESIST from contacting me other than in writing have been ignored.
05/27/2019 Yes
  • Student loan
  • Federal student loan servicing
  • Dealing with your lender or servicer
  • Received bad information about your loan
  • NY
  • 10456
 Web
I have received information from a debt collector about a student loan I never received. this collection agency AllTRAN EDUCATION , INC, XXXX XXXX, XXXX OK XXXX, PH : XXXX, FAX:XXXXXXXX has interrupted my Federal income tax many time for collection of this unknown debt I have incurred. I have viewed the document ( promissory note ) and the signature is not mine, but a forged signature of my name and a forged description of my social security number. The date that is stated of such signing is a date that my actual accountability can refute.
04/11/2022 Yes
  • Debt collection
  • I do not know
  • Attempts to collect debt not owed
  • Debt is not yours
  • LA
  • 70815
 Web
Alltran Financial LP is in violations of the following federal laws 15 USC 1692d - Harassment or Abuse, 15 USC 1692e ( 2 ) ( A ) - False and Misleading Representatons,18 USC 1028 - Fraud and related activity in connection with identification documents ( Social Security ). Pursuant to 15 USC 1692j, ANY forms, statements or any documents sent by your office are considered DECEPTIVE forms because they are being used to create the FALSE belief that I, the consumer to whom these alleged debt claims relate, owe you any alleged debts.
02/10/2017 Yes
  • Debt collection
  • I do not know
  • Improper contact or sharing of info
  • Contacted me after I asked not to
  • FL
  • 33461
 Web
They call and ask for my personal information but will not tell me specifically what the call is in reference to beforehand or identify the account or company they are calling on behalf of - sometimes trying to get me to reveal my information in order to find out what the call is about. They sometimes leave messages that they will be taking legal action if I do not contact them by the end of the day. On occasion when I answer the call they make threatening statements and use intimidation tactics in an attempt to instill fear.
12/21/2015 Yes
  • Debt collection
  • Credit card
  • Cont'd attempts collect debt not owed
  • Debt is not mine
  • MI
  • 49001
 Web
united recovery systems XXXX # XXXX this company has failed to provide me with competent information that I own this debt they have failed to provide the following information to me. 1. provide me copies of papers that show I agreed to pay what they say I owe. 2. prove the statute of limitations has not expired for this account 3. show me that they are licensed to collect in my state 4. provide me with there license numbers and Registered agent My request for validation was sent via USPS certified mail dated XXXX/XXXX/2015
02/15/2017 Yes
  • Debt collection
  • Other (i.e. phone, health club, etc.)
  • False statements or representation
  • Attempted to collect wrong amount
  • FL
  • 322XX
 Web
XXXX College at XXXX claims I owe them over {$730.00} plus an additional {$230.00} in collection costs. They claim it is owed for books purchased. However, my books and school materials were paid for by my financial aid. Which was denied that semester they are claiming the debt was incurred. I did not receive any books because I did not receive financial aid. I have been trying to get this fixed for a while now with now cooperation. I am XXXX with my XXXX. And simply want this situation rectified so I can complete my degree.
10/03/2022 Yes
  • Debt collection
  • Credit card debt
  • Written notification about debt
  • Didn't receive notice of right to dispute
  • NJ
  • 08817
 Web
I never received the credit card and never used it I was out of country when this was happened XXXX XXXX XX/XX/XXXX to XXXX XX/XX/XXXX XXXX I came back I received phone calls and letters about the debt.I wrote letters to the company that this is not my debt I want to dispute the validity of this debt .They place a hold on my checking account due to judgment.The default dates on which the balance became due is XX/XX/XXXX when I was out of country. Original creditor : XXXX XXXX XXXX Account XXXX Creditor : XXXX XXXX XXXX
08/12/2015 Yes
  • Debt collection
  • Credit card
  • Communication tactics
  • Frequent or repeated calls
  • GA
  • 30318
 Web Older American
I allowed a relative to use a XXXX XXXX credit card which was referred to United Recovery Systems for collection after it became past due. Arrangements for payment were made by my brother with XXXX XXXX to pay the $ XXXX balance. He has followed through with the arrangements made and is actually ahead of schedule on the payment plan but she continues to call me requesting that he pay more. Since he is current on the payment plan, I do n't feel that it is necessary for her to continue calling me at least XXXX a week.
06/29/2018 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Incorrect information on your report
  • Account status incorrect
  • TX
  • 77545
 Web
XXXX XXXX have been reporting late payments on my credit reports. They transferred my account to a Third party collection agency in XX/XX/2018 and they are still reporting my acct late while the collection agency has possession of the account.The collection agency stated that XXXX XXXX is reporting not them, but when ask XXXX XXXX tell me my account is no longer with them and All Tran has it. So if that's the case why is XXXX XXXX reporting late payments to the bureau and I have paid my balance with All Tran.
02/18/2016 Yes
  • Debt collection
  • Credit card
  • Improper contact or sharing of info
  • Contacted employer after asked not to
  • NY
  • 10573
 Web
On XXXX XXXX, 2016 at approximately XXXX United Recovery Systems called my place of business asking for my husband. This is completely inappropriate. This is clearly not my debt and even if it were they have no right to call my place of business. They asked to speak to my husband and when my secretary said " do you mean XXXX XXXX '' the agent responded of that must be his wife. We will call back. Please do not allow these criminals to call back my place of business for a debt they think my husband owes them.
11/03/2022 Yes
  • Debt collection
  • I do not know
  • Took or threatened to take negative or legal action
  • Threatened to arrest you or take you to jail if you do not pay
  • TX
  • 75154
 Web
XX/XX/2022 approximately XXXX XXXX a man left two voicemails using intimidating implications of my arrest or worse with my two elderly parents. They were so very upset and contacted me. I called the number given and gave them the case number and the lady couldn't tell me anything about the claim. She wouldn't identity the one filing the complaint and wouldn't tell me what the claim number brought up as in information to claim filed. I have not received anything in the mail about this or any telephone call.
01/03/2017 Yes
  • Debt collection
  • Credit card
  • Improper contact or sharing of info
  • Talked to a third party about my debt
  • TX
  • 76542
 Web Servicemember
XXXX XXXX, a representative of Altran ( XXXX ) called several of mt relatives in another state and a friend regarding my debt. I was embarrassed and furious! I told them that I do not have a job and that I would pay my debt when I get a job acceptance. I also told them to stop calling me. They stressed me out so much with calling that I blocked the number, and I received a call from a relative and non-relative that they left several messages on their voicemail. This is not right and should not be legal!
03/17/2023 Yes
  • Debt collection
  • Credit card debt
  • Written notification about debt
  • Didn't receive enough information to verify debt
  • CA
  • XXXXX
 Web
I received a call on XX/XX/2023 at XXXX from Alltran. I do not know why you are calling. Nevertheless, cease and desist. If communications from your company continue, I have no choice but file a civil suit. For your convenience, an additional complaint was filed with California Attorney General. Please ensure you address this time sensitive matter to prevent additional complaints and/or suits. *This is an attempt to correct your records, any information obtained will be used for that purpose.
03/06/2018 Yes
  • Student loan
  • Federal student loan servicing
  • Dealing with your lender or servicer
  • Trouble with how payments are being handled
  • CA
  • 95833
 Web
XXXX XXXX attempting to handle the debt.. attempting to get out of default Im forced to rehabilitate the loan with this company XXXX .. for college that irony is in XXXX for miss leading in people I was like to Im attempting to try to dispute that yet XXXX is tagging on additional fees {$6000.00} worth of fees .. they are not giving me the option to try and rehabilitated and when I sent over my tax return to try and do something Im not getting any return calls back and no one answers the phone
05/23/2017 Yes
  • Debt collection
  • I do not know
  • Threatened to contact someone or share information improperly
  • Contacted you after you asked them to stop
  • AZ
  • 85033
 Web
This compa ny All Trans Financial is c alling at my work place. They do not want to give me any information. They just calling my job 's number but they do not have any information about a debt from this number. Then when I tell them to erase me from their list they say that they need my full name to do so. They are very rude and unprofessional. The lady that is calling me is XXXX XXXX . They do n't even know why are they calling. They can not find any records of collection from this number.
04/07/2015 Yes
  • Debt collection
  • Credit card
  • False statements or representation
  • Indicated committed crime not paying
  • NY
  • 138XX
 Web Servicemember
After contacting XXXX, when United Recovery Systems would n't allow me to make payment arrangements, they contacted me and told me to contact them. XXXX gave me URS 's wrong contact number. XXXX gave me the following number XXXX, which is the XXXX XXXX service desk. I XXXX URS 's number XXXX, called them XXXX, and was forwarded to a machine to leave my name and contact number. I did that, the first contact was XX/XX/2015, the last contact being XX/XX/2015, and no one has returned both calls.
02/01/2022 Yes
  • Debt collection
  • I do not know
  • Written notification about debt
  • Didn't receive notice of right to dispute
  • TX
  • 75028
 Web
This company has called me 5 times in the past 2 days, twice at my office number. I have not received any information via mail with a debt that I owe and feel that the debt collector is harassing me by contacting me at my place of employment and threatening to go to my Human Resources department. They contact me at XXXX on XX/XX/XXXX, XXXX on XX/XX/XXXX, XXXX on XXXX at my place of employment, XXXX on XXXX, XXXX on XXXX at my place of employment, XXXX on XXXX at my place of employment.
10/07/2017 Yes
  • Debt collection
  • Auto debt
  • Communication tactics
  • Used obscene, profane, or other abusive language
  • VA
  • 23607
 Web Servicemember
On XXXX XXXX XXXX, 2017. I called XXXX XXXX and was forwarded to the third party collection XXXX XXXX. Once forwarded to XXXX XXXX, the representative stated the introduction. And I verified the debt information ( last four of the social ). The rep stated the balance on the account. I stated to the rep that, that the balance that she stated to me is the amount that I was told previously. Instead of offering the dispute the representative, wanted for me to take the settlement instead.
09/12/2019 Yes
  • Debt collection
  • Auto debt
  • Took or threatened to take negative or legal action
  • Threatened or suggested your credit would be damaged
  • TX
  • 75154
 Web
I initially contacted XXXX regarding the vehicle I purchased and was immediately told with me surrendering the vehicle my credit score would severely be impacted. There was no way for them to work with me regarding the vehicle. I started calling them on XX/XX/2019. They turned the debt over to a collection company. The company has now started to call my family members. They should also provide to me how much they purchased my account for. I would like the information in writing.
02/23/2018 Yes
  • Debt collection
  • Other debt
  • Took or threatened to take negative or legal action
  • Threatened to sue you for very old debt
  • AZ
  • 85212
 Web
XXXX is the company XXXX is the debt. I have sent multiple letters with return receipt to get proof of debt and they have failed to provide it. They also threatened to sue me so I started making payments not knowing if this debt is mine. They will not take this off my credit. I challenge whether I owe this debt. I got student loans and that should have paid the amount. I am challenging this debt as I do not believe I owe this company any money. They Ave failed to provide proof
05/07/2015 Yes
  • Debt collection
  • Credit card
  • Communication tactics
  • Frequent or repeated calls
  • NJ
  • 077XX
 Web
United Recovery Systems called my place of employment and was very nasty to the secretary. The man wanted to speak to me and the secretary explained that I was in class. I am a XXXX I could not leave XXXX, XXXX year old children to come to the main office and speak to him. Apparently, my class was not important. I am now in debt settlement and have a law firm handling my case. I have since XX/XX/2014. It is illegal to harass people at their place of business.
01/12/2021 Yes
  • Debt collection
  • Payday loan debt
  • Took or threatened to take negative or legal action
  • Threatened to arrest you or take you to jail if you do not pay
  • TX
  • 79762
 Web
United Recovery Systems has repeatedly called my family members from numerous numbers, after being repeatedly told to stop calling. I have contacted them, and they are threatening to have me arrested on fraud charges at my job over a debt from 2 years ago. I have not received any paperwork in over a year regarding this debt, so I assumed it was charged off on my credit. I will settle the debt with the original creditor, not the debt collection agency.
09/22/2017 Yes
  • Debt collection
  • Other debt
  • Communication tactics
  • Used obscene, profane, or other abusive language
  • KY
  • 404XX
 Web
This company Contacted me by letter on XXXX and I have no knowledge to this account whatsoever. I called the company the very same day XXXX and told them that this was not mine. This company also called me today on XXXX/XXXX/XXXX. And also they have called me several times before way after the hours of XXXX at night. This is so wrong on so many levels. They demand every single time {$3200.00} and use some very disturbing language with me.
05/24/2018 Yes
  • Debt collection
  • Other debt
  • Written notification about debt
  • Didn't receive enough information to verify debt
  • AZ
  • XXXXX
 Web
Received a collection letter from alltran financial stating that I owe {$860.00} to XXXX XXXX. I have verified that I do not owe XXXX XXXX anything. I did ask alltran financial for verification of the debt but they refused unless I verify my social security number and other personal information. ( I will not provide any information of that nature over the phone ) I Am also looking into litigation against them as it feels like a scam.
02/11/2016 Yes
  • Debt collection
  • Non-federal student loan
  • Communication tactics
  • Used obscene/profane/abusive language
  • CA
  • 90250
 Web
Follow-up on Complaint # XXXX When speaking with XXXX on Friday I stated I was at work and unable to work and that I would call when I had a chance. He put pressure on me saying that he would only be in the office for another two hours. I am in a different time zone and work off hours. He has repeatedly call my work phone number and is harassing my staff. I do not want to be contacted on my work number. It is completely unprofessional.
05/06/2015 Yes
  • Debt collection
  • I do not know
  • Disclosure verification of debt
  • Not given enough info to verify debt
  • NC
  • 27406
 Web
Basically he contacted mother in law, when a home number was correct. Explain who he was, worked for,. This is in my husband 's name. Supposedly from XXXX. I asked for verification, says it was sent, explained mail carriers changed do n't have. I was in shock at time. Under impression not sending a validation. I wanted to call XXXX. Next morning realized we do n't have that account. Made demands to my husband had to be resolved by XXXX.
11/22/2022 Yes
  • Debt collection
  • Other debt
  • Took or threatened to take negative or legal action
  • Threatened to sue you for very old debt
  • NC
  • 287XX
 Web
After receiving a voice mail from a restricted number I called with the reference number and was told I was going to be charged with breech of contract and fraud for a loan from 2018 that only my ex husband could have done. They said if I couldn't pay right then on the phone in full it would be filed with the court. They could not provide information on ANY written notifications or anything only an email that's been closed for 4 years.
04/07/2017 Yes
  • Consumer Loan
  • Vehicle loan
  • Problems when you are unable to pay
  • OH
  • 45601
 Web
I was called put a place that is trying to collect on a auto loan when I answer my the collector did n't verified any info on me and just disclose everything about the passed due loan. I know this he was not aloud to do that. The number that keeps calling me is XXXX. He told me how much I owned and who I owned and how much a XXXX would be, but did n't know if he was talking to the right person or not because he never verified me at all
03/25/2015 Yes
  • Debt collection
  • Credit card
  • Communication tactics
  • Frequent or repeated calls
  • TX
  • 77498
 Web
I am extremely upset that a collection agency called my family members and employer after they had my correct contact information. XXXX XXXX XXXX from United Recovery Systems XXXX ext XXXX left a message on my cell and then proceed to contact my family members and work. He did not give me an opportunity to call him back after XXXX message. I spoke with his manager to notify him that that was inappropriate to contact my family members.
03/23/2022 Yes
  • Debt collection
  • Credit card debt
  • Communication tactics
  • Frequent or repeated calls
  • MI
  • 48423
 Web
All calls started in XXXX and have continued every single day since. They call every single day 2-3 times per day and im even making payments to them the XXXX of every month yet they still keep calling all the time. i can make a payment and they call the next day about another payment. they also tell you to borrow money from friends or neighbors to pay off the debt. at this point they are harassing me and annoying me calling so much.
07/15/2015 Yes
  • Debt collection
  • I do not know
  • Cont'd attempts collect debt not owed
  • Debt is not mine
  • TX
  • 75240
 Web
I have received a number of calls from XXXX regarding the collection of debts against my estranged parents which I have tried to tell the collectors. I assume they think I 'm lying about not knowing the whereabouts of my parents so they have continued to call me. Last week they began calling my husband. I have asked them not to call again and/or told them I do n't have contact information for my parents but they continue to call us.
04/21/2018 Yes
  • Debt collection
  • Credit card debt
  • Attempts to collect debt not owed
  • Debt was paid
  • AZ
  • 85298
 Web
I agreed to settle the amount owed with XXXX with their collection agency. The amount I paid was supposed to reflect on my credit report as PAID IN FULL. I disputed this with XXXX and XXXX fails to acknowledge the settlement and update the status on all three credit bureaus : XXXX, XXXX, and XXXX. I want this to be removed from my credit report as agreed upon and will provide supporting documentation for this payment and agreement.
05/15/2017 Yes
  • Debt collection
  • Credit card debt
  • Written notification about debt
  • Notification didn't disclose it was an attempt to collect a debt
  • NC
  • 27616
 Web Servicemember
I have receiv ed two differ ent letters from XXXX different debt collection companies for the same debt originating from XXXX XXXX XXXX . I receiv ed one lette r from XXXX XXXX XXXX on XXXX / XXXX / 2017 and I also received another letter from from Alltran Financial , LP on XXXX / XXXX / 2017 . the amount on both account is XXXX which it is not accurate at all. I dont know which one actually owns the account.
08/07/2016 Yes
  • Debt collection
  • Federal student loan
  • False statements or representation
  • Attempted to collect wrong amount
  • AL
  • 351XX
 Web
My loans are in consolidation and ERS continues to harass me and apply charges to the loan that I should not have to pay since the loan has been in the consolidation process. I gave limited power of attorney to the consolidation company and ERS should be dealing with them not harassing me. They are trying to insist I deal with them directly repaying the loan. I wonder if they have refused to work with the consolidation company.
05/30/2019 Yes
  • Debt collection
  • Credit card debt
  • Communication tactics
  • Frequent or repeated calls
  • CA
  • 91356
 Web
Debt owed to XXXX XXXX for XXXX. This debt collection agency Named Alltran financial started calling my work and also my wife who has nothing to do with my debt. They also called my father and I have already stated to all my companies to NOT call my work address. I would like to fine a complaint for calling cell phones soliciting payments from my wife and dad and also calling my work where I have explicitly stated to NOT call.
12/22/2015 Yes
  • Debt collection
  • Medical
  • Cont'd attempts collect debt not owed
  • Debt was paid
  • FL
  • 33914
 Web
I applied and was accepted to the XXXX XXXX through XXXX XXXX. The letter explicitly states that " We have reduced your XXXX XXXX XXXX account and XXXX XXXX account by 100 %. '' Yet I received a letter from a collections agency in the mail this morning for an outstanding balance from them. It is completely unlawful to send an official letter stating that no further billing will occur and then send it to a collections agency.
07/03/2023 Yes
  • Debt collection
  • I do not know
  • Written notification about debt
  • Didn't receive enough information to verify debt
  • TX
  • 77070
 Web
AllTran called me on XX/XX/XXXX and refused to provide debt information. They attempted to call me again on XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX at times I could not answer the phone. XXXX days have passed since initial contact and I have not received a notice or information about my debt yet. This is a violation of federal law. Response to first complaint was not a response to complaint. AllTran violated federal law.
06/20/2018 Yes
  • Debt collection
  • Credit card debt
  • Written notification about debt
  • Didn't receive enough information to verify debt
  • MA
  • XXXXX
 Web
I stopped receiving notifications regarding the amount owed by company. Debt was transferred to another creditor. Over the past several months, payments were sent but no acknowledgment was submitted. Please assist in resolving. Thanks. PS Money Orders were sent XX/XX/XXXX ref XXXX XXXX, XX/XX/XXXX ref XXXX XXXX, and XX/XX/XXXX ref XXXX XXXX. The first 2 are from XXXX XXXX XXXX and the last is from XXXX XXXX XXXX XXXX.
11/04/2016 Yes
  • Student loan
  • Non-federal student loan
  • Dealing with my lender or servicer
  • Trouble with how payments are handled
  • OH
  • 431XX
 Web
Hi, My name is XXXX and I have been working with a credit counselor for the past year now on a student loan. I was notified by another collection source that they are now handling my account and they needed the balance. I told them that i was currently involved with a third party for a settlement. The original company did not take my last payment out. If you could contact me regarding this matter I would appreciate it.
05/19/2015 Yes
  • Debt collection
  • Medical
  • Communication tactics
  • Frequent or repeated calls
  • OH
  • 45103
 Web
I have had XXXX initial contact with ACB Recovery and in that conversation, I have stated that I did not have the means to pay because I was disputing the charge. I told the person, that I would contact THEM once the balance with the payee was resolved. Since that conversation, ACB Recovery has called me everyday for a period of more than XXXX consecutive days between the hours of XXXX. This constitutes harassment.
05/20/2023 Yes
  • Debt collection
  • I do not know
  • Attempts to collect debt not owed
  • Debt is not yours
  • PA
  • 19143
 Web
Alltran Finacial, LP keeps calling me. I never gave them my phone number or email address. They have my personal information & I never authorized them to have it or contact me. After I received several calls, emails, and confirmed by mail that debt is not mine they continuously harass me. They keep sending letters accusing me of owe-ing them money. Debt is not mine & I asked them to stop all communications.
07/30/2015 Yes
  • Debt collection
  • Other (i.e. phone, health club, etc.)
  • Cont'd attempts collect debt not owed
  • Debt was paid
  • KS
  • 66044
 Web
" Enterprise Recovery System '' has been repeatedly ( several times each day ) calling me, family, and friends regarding a debt which has already been paid. They have attempted to discuss my debt with relatives and friends. They have repeatedly used phone calls to harass myself and those close to me. They have not sent a validation notice and refused to do so after I requested XXXX multiple times.
07/12/2023 Yes
  • Debt collection
  • I do not know
  • Communication tactics
  • Frequent or repeated calls
  • FL
  • 33928
 Web
This company with a XXXX XXXX with phone # XXXX is texting & calling anyone I may know regarding a debt I owe. No contact via mail, nothing and they are referring to a very old ( XXXX yr ) contact information. Also calling XXXX. I barely know the people they are reaching out to and no one has contacted me. It is threatening and embarrassing. United Recovery Systems who I had never heard of before.
11/16/2016 Yes
  • Debt collection
  • I do not know
  • Communication tactics
  • Frequent or repeated calls
  • TX
  • 77373
 Web
I 've received numerous calls from United Recovery systems, XXXX about a debt that I am aware of. I 've expressly asked them to not phone my work telephone number, as my work does not allow these types of calls due to the business we conduct, and to contact me on my personal phone numbers. They call twice a day, if not more even after I 've requested they remove my work telephone from the system.
08/20/2016 Yes
  • Student loan
  • Federal student loan servicing
  • Dealing with my lender or servicer
  • Keep getting calls about my loan
  • MO
  • 64052
 Web
Enterprise Recovery Systems called my employer asking for personal information. I am unaware of how they received my employer 's phone as well as where I am employed as I have not been employed there long. They had previously called my personal phone earlier that day and when I was unable to pick up they immediately began to call my work without me even hearing the voicemail from my personal phone.
02/01/2021 Yes
  • Debt collection
  • I do not know
  • False statements or representation
  • Impersonated attorney, law enforcement, or government official
  • FL
  • 33161
 Web Servicemember
To Whom It May Concern : I've sent a letter to a collection agency to validate and verify a debt of a mount {$1000.00}. The US Postal Office was unable to verify the collection agency address : ALLTRAN EDUCATION INC XXXX XXXX XXXX XXXX XXXX, IL XXXX http : //alltran.com/ ( XXXX ) XXXX It appears to me someone was trying to collect a debt by using my name as a debtor. Will you please look into it?
11/26/2018 Yes
  • Debt collection
  • Federal student loan debt
  • Attempts to collect debt not owed
  • Debt is not yours
  • GA
  • 30310
 Web
Greetings, There is a company name Alltran Education , Inc who claim I owe an unverified amount on a student loan which the company has not verified pursuant to FDCPA 1692g ( b ). The company allege in one letter I owe an amount that is different than the amount in a second letter and that amount is different that an amount in a third letter. Egregious tactics on an alleged debt I do now owe.
09/24/2018 Yes
  • Debt collection
  • Auto debt
  • Communication tactics
  • Frequent or repeated calls
  • NJ
  • 07036
 Web
The company ( XXXX XXXX ) keeps repeatedly calling my place of employment. I myself called from my cell phone and asked that they not call my job. He then threatened to take me to court. They continued to call my job up to 3 times per day for the past week. Today she ( XXXX XXXX ) told my manager that she was a liar and she knew I was working here. I am close to losing my job because of this.
07/06/2018 Yes
  • Debt collection
  • Credit card debt
  • Threatened to contact someone or share information improperly
  • Talked to a third-party about your debt
  • CA
  • 92879
 Web
My sister in law received a collection letter for me but was addressed to her. I don't even know her home address myself but somehow they tracked her. Is this legal? This was humiliating. Notice of collection and " special offer '' is dated XX/XX/18 from XXXX XXXX XXXX XXXX They have two XXXX XXXX address : XXXX MI & XXXX XXXX MN Original Creditor : XXXX XXXX XXXX Amount owed : {$1700.00}
04/19/2015 Yes
  • Student loan
  • Non-federal student loan
  • Can't repay my loan
  • Can't get flexible payment options
  • NJ
  • 07003
 Web Servicemember
The original loan holder, XXXX sent me an email stating that they have released the account to Enterprise Recovery Systems. I have disputed the account with the school. However, without any form of resolution, I was sent an email stating that I have XXXX hours to submit a payment or else the account would be release to the XXXX party collection agency. I am disputing this with Enterprise.
02/28/2023 Yes
  • Debt collection
  • I do not know
  • Attempts to collect debt not owed
  • Debt is not yours
  • FL
  • 32708
 Web
Alltran Financial has been harassing me with phone calls almost every day. I do not have any defaulted debt so Im not sure why they continue. I have bought a house, numerous vehicles, and received a HELOC. If I had outstanding debt, these things would not be possible. They are attempting to collect a debt that is not mine and I do not want to receive communications from them any longer.
09/03/2015 Yes
  • Debt collection
  • I do not know
  • Communication tactics
  • Frequent or repeated calls
  • NJ
  • 08060
 Web
A company ID 'd as XXXX from telephone # XXXXis continually calling my place of employment after they were repeatedly told to cease and desist. This is a 3rd party agency. They do not identify themselves other than the ID on our phone system. They are demanding payment but do not identify a transaction, company or amount. They are calling my employer as a method of harassment.
05/31/2022 Yes
  • Debt collection
  • Auto debt
  • Attempts to collect debt not owed
  • Debt was already discharged in bankruptcy and is no longer owed
  • GA
  • 31204
 Web
Alltran financial is trying to recover XXXX for XXXX. I was a part of class action lawsuit against XXXX. As part of XXXX settlement agreement their report was removed from all credit bureaus, I received a small check and it was agreed by XXXX no further attempt would be made to pursue. I have tried to contact XXXX and alltran is aware yet continue to call and threaten me
12/10/2018 Yes
  • Debt collection
  • I do not know
  • Attempts to collect debt not owed
  • Debt was result of identity theft
  • FL
  • 33311
 Web
Creditor is reporting accounts that are invalid and unverified. XXXX have investigated this account and they concluded the account was not matching my records of being assigned to me. I would like proof these accounts were disputed per FCRA/ FDCPA. This is causing me anguish and its slandering my good name. Please block this account from my report so I can breathe again.
03/04/2023 Yes
  • Debt collection
  • Credit card debt
  • Communication tactics
  • You told them to stop contacting you, but they keep trying
  • CA
  • 92308
 Web Older American
I have an attorney and I'm filing for bankruptcy. They have known this for months now. But I have still received calls and letters. I am XXXX XXXX XXXX and I have problems with a family member causing me great stress I do not want this stress too. please help. Thank you. This is from XXXX debt but the collector is NOT XXXX. XXXX would NEVER act like this! thank you.
02/08/2022 Yes
  • Debt collection
  • I do not know
  • Communication tactics
  • You told them to stop contacting you, but they keep trying
  • OH
  • 449XX
 Web
Someone called my phone and advised they knew who I was and should just verify my social or they will take legal action against me. When I told them I was not who they were looking for the man advised that they have caller ID so he knew my name. But the XXXX was wrong. He told me that there would be consequences if I did not pass a message on to the person in question.
05/03/2017 Yes
  • Debt collection
  • Federal student loan debt
  • Attempts to collect debt not owed
  • Debt was paid
  • KS
  • 678XX
 Web
Any and all student loans have been discharged as a result of the XXXX XXXX XXXX XXXX TPD program. Alltran is trying to collect on loans that have been previously discharged. They continue to report inaccurate info to credit reporting agencies. They also will not take into account the letters from XXXX XXXX XXXX that clearly shows the discharge.
10/06/2015 Yes
  • Student loan
  • Non-federal student loan
  • Can't repay my loan
  • Can't decrease my monthly payments
  • NY
  • 10031
 Web
My XXXX assist loans are in default after XXXX refused to work with me. They are currently held by a collection agency who is asking me, even higher minimum payments-that I can not afford. They are also refusing to send me any agreements in writing unless I give them my banking information. They are harassing me at work and on my personal phone, disturbing my work.
03/09/2016 Yes
  • Debt collection
  • Credit card
  • Cont'd attempts collect debt not owed
  • Debt was paid
  • NJ
  • XXXXX
 Web
On XXXX XXXX, 2015 I called spoke with XXXX XXXX of United Recovery Systems and agreed to pay the full settlement amount of {$620.00} which would close out the account completely. On XXXX XXXX, 2015 I called and spoke to XXXX XXXX on why the account is not closed and she explained to me that there is a remaining balance of {$400.00} due on the account.
08/24/2016 Yes
  • Debt collection
  • I do not know
  • Cont'd attempts collect debt not owed
  • Debt resulted from identity theft
  • FL
  • 33063
 Web
Whilst away at school my name and personal information was used to open accounts including this XXXX. I have not or did not give my authorization to open this account and I require a full disclosure of the contract ; payment agreement ; identification used to open this account and all other information pertaining to the opening of this account.
01/06/2016 Yes
  • Debt collection
  • Credit card
  • Cont'd attempts collect debt not owed
  • Debt is not mine
  • CT
  • 06516
 Web Older American
Unified Recovery Services for XXXX XXXX on a credit card, stating I owe {$1000.00}. I do not. I was mailed a letter from XXXX Office manged by XXXX XXXX and I responded by USPS mail within 30 days of that letter yesterday on XXXX/XXXX/2016 and also by fax. I told them I disupte this debt and that I am contacting the FTC. I dispute this debt.
03/25/2019 Yes
  • Debt collection
  • Private student loan debt
  • Attempts to collect debt not owed
  • Debt was already discharged in bankruptcy and is no longer owed
  • CA
  • 90744
 Web
hi I received a letter from XXXX on XX/XX/XXXX stating my loans were discharged and cancelled, then I received a letter from a collection agency on XX/XX/XXXX stating I owe XXXX dollars im exhausted dealing with them they have taken my tax return in the past 5 years.please help they are getting ready to take my refund for this year aswell
06/11/2018 Yes
  • Debt collection
  • I do not know
  • Attempts to collect debt not owed
  • Debt is not yours
  • IL
  • 606XX
 Web
I called the XXXX XXXX number, which comes up as XXXX and no human being answered me. they call me every day on my work phone and it's always a robot claiming they're calling about debt collection but won't name anyone who actually owes everything. This distracts me from doing my job and it's every day, they even leave robotic voicemails.
04/16/2016 Yes
  • Debt collection
  • Credit card
  • Communication tactics
  • Frequent or repeated calls
  • MA
  • 02760
 Web
this collector called my XXXX mother 's house after XXXX and scared her. He would not say who he was or why he was looking for me. I have not lived with my mother for over 25 years. This company has also called my work. I have told them not to call me again, and it was after I told them not to call my work, that they called my mother.
03/09/2016 Yes
  • Debt collection
  • Other (i.e. phone, health club, etc.)
  • Communication tactics
  • Threatened to take legal action
  • FL
  • 344XX
 Web
I contacted ERS in an attempt to set up a payment schedule. I was told that if I did not adhere to their payment schedule which I am unable to afford at this time, that that they would report my account as delinquent and that I am refusing to pay the debt even I am making payments towards the debt of {$20.00} month which I can afford.
09/22/2015 Yes
  • Debt collection
  • Other (i.e. phone, health club, etc.)
  • Communication tactics
  • Frequent or repeated calls
  • IA
  • 527XX
 Web
The ERS company continues to call my job about debt collection instead of calling my cell phone. They also are using threatening language towards me despite my attempt to pay the debt. I do n't make enough money each month to pay the amount they want. The amount I can pay is not enough for them, so the man calling me is bullying me.
06/29/2023 Yes
  • Debt collection
  • I do not know
  • Written notification about debt
  • Didn't receive enough information to verify debt
  • TX
  • 77070
 Web
AllTran called me on XX/XX/XXXX and refused to provide debt information. They attempted to call me again on XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX at times I could not answer the phone. Five days have passed since initial contact and I have not received a notice or information about my debt yet. This is a violation of federal law.
12/29/2015 Yes
  • Debt collection
  • I do not know
  • Communication tactics
  • Frequent or repeated calls
  • CA
  • XXXXX
 Web Older American, Servicemember
I have been getting hang up calls, every day from Enterprise Recovery Systems in XXXX, California. They are calling on a range of numbers, starting with XXXX through XXXX. They fail to leave a voice mail identifying themselves or who they represent. I also, to the best of my knowledge, never received a letter in writing from them.
07/02/2015 Yes
  • Debt collection
  • Mortgage
  • Cont'd attempts collect debt not owed
  • Debt was paid
  • GA
  • 30028
 Web
The debt was foreclosed on XXXX, 2012, and no action was taken for confirmation and approval for an order of confirmation and approval by a judge of superior court pursuant to OCGA 44-14-161 ( a ). There have been numerous debt collection agencies who have taken the debt and each one has been told that there is no legal debt owed.
08/10/2015 Yes
  • Debt collection
  • Medical
  • Cont'd attempts collect debt not owed
  • Debt was paid
  • FL
  • 33617
 Web Older American, Servicemember
XXXX continues to bill me for a paid service, my medical insurance paid this bill, They have turned me over to collection, and added $ XXXX in added fees .I previously contacted them to contact XXXX and Medicare. My XXXX per their clause XXXX : XXXX { B } { XXXX } requires provider to accept XXXX allowable as full payment.
03/30/2015 Yes
  • Debt collection
  • Auto
  • Cont'd attempts collect debt not owed
  • Debt was paid
  • NY
  • 11411
 Web
" XXXX '' from United Recovery Systems ( URS ) ( XXXX ) keeps calling my client, XXXX XXXX for a debt that she either does not owe or was fully paid in a settlement ( attached ). URS is contacting a represented party ; misrepresenting that a debt is due when it is not ; and harassing a consumer without any defense.
12/10/2018 Yes
  • Debt collection
  • I do not know
  • Communication tactics
  • Frequent or repeated calls
  • FL
  • 34238
 Web
I am getting multiple calls all day from a bill collector. I do not know who they are nor have I received anything in the mail. I asked them not to call me during my work, but they are ignoring. They wanted my credit card info and I refuse to give it to a complete stranger. They call me daily at least 3-5 times.
05/31/2019 Yes
  • Debt collection
  • Auto debt
  • Threatened to contact someone or share information improperly
  • Contacted you after you asked them to stop
  • NV
  • 89149
 Web
On XX/XX/19 a representative from the company contacted multiple people as well as myself while at work. When I returned their call from my personal cell phone I informed them to not call my work. On XX/XX/19 the same representative called my office again. I again informed her to not call my work.
03/25/2016 Yes
  • Debt collection
  • Non-federal student loan
  • Communication tactics
  • Called after sent written cease of comm
  • TX
  • 75013
 Web Older American
This collection agency has called numerous times after I have repeatedly told them to stop. That I am NOT going to pay the amount they say I owe. At this point they ANNOYING AND HARASSING ME. I asked for their address in order to send a written cease of communication notice and did not receive it.
03/18/2023 Yes
  • Debt collection
  • Credit card debt
  • Took or threatened to take negative or legal action
  • Threatened or suggested your credit would be damaged
  • TN
  • XXXXX
 Web
ON XX/XX/2023 A company by the name of ALLTRAN FINANCIAL. stated that I owe them money when I have no clue as to who these people are and how did they get my personal information. I want this account to be removed off my consumer report immediately. They have violated so many of my consumer rights
10/04/2020 Yes
  • Debt collection
  • Credit card debt
  • Attempts to collect debt not owed
  • Debt is not yours
  • CA
  • XXXXX
 Web
Alltran sent me a debt collection notice yet I do not owe the debt. I have asked them to provide both verification and validation ( attached letter ) and not response has been received which leads me to believe that they do not have any supporting documentation in the form of a original agreement.
08/22/2019 Yes
  • Debt collection
  • I do not know
  • Communication tactics
  • Frequent or repeated calls
  • CO
  • 80817
 Web Servicemember
XX/XX/2019at XXXX received a call from XXXX the man on the phone asked for my brother's phone number and address with no context. When asked what company/reason for calling the answer was "Alltran Financial and personal business matter" The man gave me his contact info: XXXX XXXX XXXX ext. XXXX
09/08/2022 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Incorrect information on your report
  • Information belongs to someone else
  • GA
  • 30350
 Web Servicemember
there was 2 accounts opened through XXXX dated on XX/XX/XXXX in the amount of {$97000.00} and XX/XX/XXXX in the amount of {$50000.00} these accounts are now charged off and these accounts was opened with out my consent or authorization because I was incarcerated from XX/XX/XXXX - XX/XX/XXXX
08/22/2016 Yes
  • Debt collection
  • I do not know
  • Cont'd attempts collect debt not owed
  • Debt is not mine
  • WA
  • 98531
 Web
Altran Financial aka United Recovery Systems continually calls my cell phone number looking for XXXX XXXX. This number is new to me as of XX/XX/2015. They have stated multiple times that they will remove my number from their list but I still get calls. This has been going on for 6+ months.
06/12/2015 Yes
  • Debt collection
  • Credit card
  • Cont'd attempts collect debt not owed
  • Debt is not mine
  • NY
  • 139XX
 Web
Dear CFPB, today, XXXX XXXX, 2015, I received an harassing collection letter via US mail from a agency called J.C Christensen & Assoc., Inc. concerning a judgment or debt I, XXXX XXXX XXXX am not a party to. I did send via certified mail a debt dispute letter to cease collection efforts.
07/29/2015 Yes
  • Debt collection
  • I do not know
  • Improper contact or sharing of info
  • Contacted me after I asked not to
  • OK
  • 740XX
 Web
This company is calling for a family member. I told them our number is not that person 's number and to take our phone number from their calling list. Still getting calls from United Recovery. LogUnited Recovery XXXX XXXX XX/XX/2015United Recovery XXXX XXXX XXXX/XXXX/2015 at XXXX
10/01/2015 Yes
  • Debt collection
  • I do not know
  • Cont'd attempts collect debt not owed
  • Debt is not mine
  • AZ
  • 85206
 Web Older American
I RECD A CALL ON MY CELL PH FROM UNITED RECOVERY SYSTEM XXXX .ASKING THAT I CALL XXXX REGARDING A DEBT.I CALLED THE XXXX NUMBER AND LEFT A MESSAGE THAT THEY HAVE THE WRONG PERSON/PHONE XXXX DO NOT OWE ANYONE MONEY.CALLED ARIZONA XXXX AND FTC AND ADVISED TO FILE COMPLAINT WITH YOU
03/27/2020 Yes
  • Debt collection
  • Credit card debt
  • Attempts to collect debt not owed
  • Debt was result of identity theft
  • NY
  • 11434
 Web
Im a victim of identity theft someone got my credit card information and used it when I first noticed it I called the company right away and they canceled my card and sent me a new card. They removed the negative items from my credit report and now Im receiving letters from them
11/06/2018 Yes
  • Debt collection
  • I do not know
  • Attempts to collect debt not owed
  • Debt is not yours
  • GA
  • 30058
 Web
I do not know who XXXX XXXX XXXX is and I do not have an account with them. XXXX XXXX XXXX has been issued a cease and desist, request for certificate of assessment and request for a debt disclosure. Request was sent via certified mail - Receipt # XXXX XXXX XXXX XXXX XXXX
05/23/2015 Yes
  • Debt collection
  • Credit card
  • Cont'd attempts collect debt not owed
  • Debt was paid
  • TX
  • XXXXX
 Web Older American, Servicemember
I received a letter from United Recovery Systems stating that my account ending in XXXX with XXXX had been referred to them foe collection. I have a current copy of my XXXX Credit Reoprt that shows said account was " Closed at grantor 's request as of XXXX XXXX, 2014
05/14/2023 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Incorrect information on your report
  • Old information reappears or never goes away
  • UT
  • 84107
 Web
Should be good credit. XXXX denied loans because of history length of credit on crit report, have reported wrong and duplicate accounts, also reported fraudulent activity, also banks and debt collectors keep renewing and duplicating charges for fraudulent items etc
09/11/2018 Yes
  • Debt collection
  • Credit card debt
  • Took or threatened to take negative or legal action
  • Threatened to sue you for very old debt
  • XXXXX
 Web
Additional documents related to CFPB case # : XXXX It appeared that XXXX charged-off this account, claimed a loss as tax cut, and sold the account to an agency named Alltran ( XXXX ). My recent payment to XXXX was returned, due to a change of payee. See attachment.
06/07/2016 Yes
  • Debt collection
  • I do not know
  • Improper contact or sharing of info
  • Contacted employer after asked not to
  • NY
  • 11212
 Web
Called my job phone instead of my personal number. I do not know how they got the information but the contact number was never given to them. It is for some debt that I do not know anything about as well. They are using information that was not given to them.
09/17/2015 Yes
  • Debt collection
  • Credit card
  • Communication tactics
  • Frequent or repeated calls
  • FL
  • 339XX
 Web Servicemember
This company is calling my parents, my children, my brother & past residences searching for me. I have no idea what this company wants with me. I 've tried to contact them, with out any success. If they would leave a clear vociemail, I would call them back.
11/15/2017 Yes
  • Debt collection
  • Auto debt
  • Written notification about debt
  • Didn't receive enough information to verify debt
  • TX
  • XXXXX
 Web
I received a phone call from Alltran Financial alleging I owe them an auto debt. I do not know who this company is, I 've never heard of them and have done no business with them. I 've also received no information in the mail regarding this alleged debt.
02/03/2018 Yes
  • Debt collection
  • I do not know
  • Communication tactics
  • Frequent or repeated calls
  • NJ
  • 079XX
 Web
I am sure we owe no debt but we keep getting a call from XXXX and it was always an automated system caller. It never mentioned who we were and what it tried to reach out to. It always asked us to call back to a XXXX number which totally makes no sense.
08/06/2015 Yes
  • Debt collection
  • I do not know
  • Cont'd attempts collect debt not owed
  • Debt is not mine
  • FL
  • 33064
 Web
CONTINUOUS CALLS FROM THIS DEBT COLLECTOR, I ANSWER THE PHONE EVERYTIME AND TELL THEM I AM NOT WHO THEY ARE LOOKING FOR AND TO TAKE ME OFF THEIR LIST. THEY SAY OK YOU ARE OFF THE LIST AND THE NEXT DAY AND THEREAFTER THEY CONTINUE TO CALL AND HARASS ME.
10/26/2020 Yes
  • Debt collection
  • Credit card debt
  • Threatened to contact someone or share information improperly
  • Talked to a third-party about your debt
  • AZ
  • 86326
 Web
XX/XX/20. This date was the last time of many times they called my parents who are in there XXXX. They posed as knowing me and wanted information about me. My dad asked them questions they couldnt answer so he hangs up. Very troubling for my parents.
03/31/2016 Yes
  • Debt collection
  • I do not know
  • Communication tactics
  • Frequent or repeated calls
  • SC
  • 29730
 Web Servicemember
XXXX XXXX called stating that she 's sorry she took so long to contact me with information that I needed ( she called my office line ) and left her contact information with no indication that she was a debt collector or calling to collect on a debt.
05/27/2015 Yes
  • Debt collection
  • Credit card
  • False statements or representation
  • Attempted to collect wrong amount
  • NY
  • 10032
 Web
After calling, setting up a payment plan, and paying the balance off over the length of XXXX years this company called and requested additional fund be paid immediately or legal action would be taken. The owner of this account it XXXX and has XXXX.
11/02/2016 Yes
  • Debt collection
  • Credit card
  • Cont'd attempts collect debt not owed
  • Debt is not mine
  • NY
  • 11101
 Web
Collector called multiple times at my work office stating that I owe a debt which does not have the correct name nor address. Collector can not prove that I own the debt and can not verify any of the information which can be linked back to me.
08/08/2016 Yes
  • Debt collection
  • Credit card
  • Cont'd attempts collect debt not owed
  • Debt was discharged in bankruptcy
  • CA
  • 95628
 Web Servicemember
I received a call from All Trans Financial on XXXX/XXXX/2016 at XXXX XXXX from XXXX saying they were representing XXXX on a Financial Matter, This matter was listed under my bankruptcy and that bankruptcy was discharged in XXXX 2016.
12/26/2016 Yes
  • Debt collection
  • Medical
  • Cont'd attempts collect debt not owed
  • Debt is not mine
  • OH
  • 45042
 Web Older American
Calls, sends bill for doctors I never seen. Look up and find numbers are scams. I checked and all bills are paid from my services. Check internet and see they have different tel # and names. They call under numbers : XXXX XXXX
08/20/2015 Yes
  • Debt collection
  • I do not know
  • Improper contact or sharing of info
  • Talked to a third party about my debt
  • NC
  • 283XX
 Web Servicemember
called my number about someone else 's debt and said that my number had been given as a contact. The party in question has no contact with me I feel they took it upon themselves to start calling distant relatives for collection
04/12/2019 Yes
  • Debt collection
  • I do not know
  • Communication tactics
  • Called before 8am or after 9pm
  • AZ
  • XXXXX
 Web Servicemember
This business frequently calls around XXXX XXXX. I have explained to them I do not live in GA and I live in AZ. I have updated my address, I have a mail forward and I even made sure my address was correct on my credit report.
07/06/2018 Yes
  • Debt collection
  • I do not know
  • Communication tactics
  • Frequent or repeated calls
  • WA
  • 98501
 Web
I am XXXX and XXXX, they called at XXXXXXXX XXXX while I was in the restroom. when I called them back they wanted a friend and called an old number I got from the phone pool when I got a number.. XXXX XXXX?????????????????
04/15/2018 Yes
  • Debt collection
  • Credit card debt
  • Attempts to collect debt not owed
  • Debt is not yours
  • MO
  • 63376
 Web
I received a letter today from XXXX XXXX XXXX regarding a account that has been submitted for fraudulent transactions, also a theft report provided. I have no contract with XXXX XXXX XXXX & don't owe this debt.
09/18/2015 Yes
  • Debt collection
  • Payday loan
  • Taking/threatening an illegal action
  • Threatened arrest/jail if do not pay
  • AZ
  • 85138
 Web
She called my XXXX year old son, my husband and myself nemorous times, one after another each 1 minute apart. Left voice mails that scared him saying a compliant has been filed and legal proceedings will begin.
01/14/2016 Yes
  • Debt collection
  • I do not know
  • Communication tactics
  • Frequent or repeated calls
  • CA
  • 92504
 Web Older American, Servicemember
The roe-brat call left a message, at XXXX, Thur. XXXX XXXX, 2016, " This is a debt collector, J.C. Christensen, you must call us at, XXXX. I have no business with J.C. Christensen or any other debt collector.
09/30/2019 Yes
  • Debt collection
  • I do not know
  • Communication tactics
  • Used obscene, profane, or other abusive language
  • AZ
  • 85345
 Web
They keep contacting my work and family members phone numbers, threatening me with careers to find me at my place of employment if I do not call them back. ( The account is past the statue of limitations. )
05/07/2018 Yes
  • Debt collection
  • Credit card debt
  • Attempts to collect debt not owed
  • Debt is not yours
  • GA
  • 31088
 Web
I have a police report for fraud Send it to the XXXX XXXX XXXX The account is fraudly open in my name I asked for a signature with my name and they failed to send but are still reporting on my credit report
10/26/2017 Yes
  • Debt collection
  • Credit card debt
  • Threatened to contact someone or share information improperly
  • Talked to a third-party about your debt
  • CA
  • 92337
 Web
I answered my phone, was asked my name and then read off my address to verify. It is illegal for a company to give out personal information like that, they are required to have my verify the information.
05/29/2017 Yes
  • Debt collection
  • I do not know
  • Took or threatened to take negative or legal action
  • Threatened to sue you for very old debt
  • NJ
  • 075XX
 Web
Alltran Financial LP sent a letter that threatens to take legal action on me regarding a debt. They claim to be a pre-legal account company and have stated that they will send my account to an attorney.
04/21/2017 Yes
  • Debt collection
  • Other (i.e. phone, health club, etc.)
  • Communication tactics
  • Frequent or repeated calls
  • TN
  • 37920
 Web
My payments are being made as they wised. I only owe a little over XXXX $ left on a reposessed car and they are calling nonstop to get even more money out of me and calling family members of mine.
10/20/2016 Yes
  • Debt collection
  • Other (i.e. phone, health club, etc.)
  • Communication tactics
  • Frequent or repeated calls
  • NV
  • 89149
 Web Older American
I am being repeatedly attacked throughout the day under numerous phone numbers by United Recovery Systems. I am being harassed and want this to stop. They also call the home landline under XXXX.
05/08/2018 Yes
  • Debt collection
  • Credit card debt
  • Written notification about debt
  • Didn't receive enough information to verify debt
  • MA
  • 013XX
 Web
XXXX XXXX has violated 15 USC 1692 by continuing collection activity after a cease and desist and 15 USC 1681 by failing to report complete and accurate information to credit reporting bureaus.
08/28/2016 Yes
  • Debt collection
  • Medical
  • Cont'd attempts collect debt not owed
  • Debt was paid
  • TX
  • 77005
 Web
XXXX XXXX XXXX has badgered my client about a debt was that incurred over 8 years ago and that was paid and that has been barred by the statute of limitations for over four yearsXXXX
10/04/2016 Yes
  • Debt collection
  • I do not know
  • Cont'd attempts collect debt not owed
  • Debt is not mine
  • TN
  • 37217
 Web
I received this letter from this company demanding payment. To my knowledge I have never entered into a contract with this company nor have they provided me with services or goods
09/10/2018 Yes
  • Debt collection
  • Credit card debt
  • Attempts to collect debt not owed
  • Debt was already discharged in bankruptcy and is no longer owed
  • TX
  • 782XX
 Web
Debt was settled XX/XX/XXXX with XXXX XXXX XXXX XXXX XXXX XXXX # XXXX XXXX, TX XXXX CONTACT was XXXX XXXX for Fleet Card Services Card this debt was back from XX/XX/XXXX 14years
12/12/2018 Yes
  • Debt collection
  • Credit card debt
  • Threatened to contact someone or share information improperly
  • Contacted you after you asked them to stop
  • NC
  • 27617
 Web
XXXX XXXX ( working on behalf of XXXX XXXX ) has continued to contact me at my work number even though I have expressly asked them to stop on XX/XX/18, XX/XX/18 and XX/XX/18
10/09/2016 Yes
  • Debt collection
  • I do not know
  • Communication tactics
  • Frequent or repeated calls
  • CO
  • 80124
 Web
They are calling people in my extended family whom i have no contact with. I dont know who they are or what they want. If they want to contact me they need to do so by mail.
07/18/2022 Yes
  • Debt collection
  • Credit card debt
  • Threatened to contact someone or share information improperly
  • Talked to a third-party about your debt
  • OR
  • 97132
 Web Servicemember
All Tran financial Called and told my family member to call them and told them how much I owed. They violated my confidentiality by tell other people how much I owed.
04/12/2016 Yes
  • Debt collection
  • Medical
  • Cont'd attempts collect debt not owed
  • Debt was discharged in bankruptcy
  • TX
  • 76051
 Web
the Hippa law as been violated as my medical information has been made public to my credit report agencies. This is a violation of my privacy.INCLUDED IN BANKRUPTCY
02/26/2019 Yes
  • Debt collection
  • I do not know
  • Communication tactics
  • Frequent or repeated calls
  • OH
  • 43123
 Web
Receiving calls from this number daily, they tell me its from a debt collector with no other information given, Im being harassed and would like it to stop
07/21/2015 Yes
  • Debt collection
  • Credit card
  • Communication tactics
  • Frequent or repeated calls
  • TX
  • 76105
 Web
This collection agencies calls me throughout the day at my home and on my cell phone. I know that I owe XXXX XXXX and I am making every afford to pay them.
09/24/2015 Yes
  • Debt collection
  • I do not know
  • Cont'd attempts collect debt not owed
  • Debt is not mine
  • IL
  • 60445
 Web
XXXX ON MY CREDIT REPORT WITHOUT VALIDATION IN VIOLATION OF FCRA, CALLS IN VIOLATION TCPA also, my mother XXXX XXXX XXXX had the same problem, ss # XXXX
04/21/2015 Yes
  • Student loan
  • Non-federal student loan
  • Can't repay my loan
  • Can't get flexible payment options
  • MI
  • 48042
 Web
Enterprise Recovery System continues to contact my employer even after I had sent a letter indicating not to do so. They continue to harass my employer.
06/14/2016 Yes
  • Debt collection
  • I do not know
  • Taking/threatening an illegal action
  • Threatened to sue on too old debt
  • CO
  • 80401
 Web Servicemember
I received a letter from XXXX XXXX XXXX XXXX , XXXX dated XXXX/XXXX/16 attempting to collect a debt that is too old to be collected or be sued on.
08/29/2016 Yes
  • Debt collection
  • Auto
  • Improper contact or sharing of info
  • Talked to a third party about my debt
  • AZ
  • 85086
 Web
This company is harassing everyone in my immediate family as well as my siblings ' parents. They are also calling me on Saturdays and Sundays.
08/30/2019 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Incorrect information on your report
  • Information belongs to someone else
  • TX
  • 77449
 Web
FCRA violation put a credit item that was previously deleted without notifing me in 10 business days of the the action ALLTRAN EDUCATION INC
06/01/2022 Yes
  • Debt collection
  • I do not know
  • Attempts to collect debt not owed
  • Debt was paid
  • WA
  • 980XX
 Web
I have no contract with Alltran Financial, L.P. and they are engaged in contract fraud, mail fraud, copyright infringment and racketeering.
06/25/2017 Yes
  • Debt collection
  • I do not know
  • Attempts to collect debt not owed
  • Debt is not yours
  • TX
  • XXXXX
 Web
Received notice to pay a debt that I was unaware existed. Disputing the validity of the debt. I do not have a contract with named company.
09/24/2019 Yes
  • Debt collection
  • Credit card debt
  • Took or threatened to take negative or legal action
  • Threatened or suggested your credit would be damaged
  • IL
  • XXXXX
 Web
I've received notification from All Tran Financial on XX/XX/19 in reference to an XXXX XXXX account in the amount of {$1000.00}.
01/28/2016 Yes
  • Debt collection
  • Federal student loan
  • Cont'd attempts collect debt not owed
  • Debt was paid
  • CA
  • XXXXX
 Web
after years of a fully paid debt, albeit though garnishment from my former employee, this company continues to make false claims
05/24/2019 Yes
  • Debt collection
  • Federal student loan debt
  • Written notification about debt
  • Didn't receive enough information to verify debt
  • PA
  • 191XX
 Web
Alltran Education , inc . XXXX. XXXX XXXX, XXXX OK XXXX XXXX Is ridiculous. SCAM company. How do they have authority?
09/15/2022 Yes
  • Debt collection
  • I do not know
  • Communication tactics
  • You told them to stop contacting you, but they keep trying
  • CO
  • 80129
 Web
Told collectors to ceast & desist on XX/XX/XXXX after multiple calls to my work phone from XXXX all tran financial
05/22/2019 Yes
  • Debt collection
  • I do not know
  • Communication tactics
  • Frequent or repeated calls
  • PR
  • 009XX
 Web
They are communicating to my work constantly and this is abusive and it is bringing problems with my supervisors.
01/09/2016 Yes
  • Debt collection
  • Auto
  • Communication tactics
  • Frequent or repeated calls
  • NJ
  • 07205
 Web
I 'm called a lot between XXXX and XXXX.. Also, I was hoodwinked when trying to set up a payment plan with XXXX.
10/29/2020 Yes
  • Debt collection
  • Auto debt
  • Threatened to contact someone or share information improperly
  • Talked to a third-party about your debt
  • AL
  • 35124
 Web
Alltran Financial , LP contacted a third party and gave personal information about my financial situation.
10/09/2020 Yes
  • Debt collection
  • I do not know
  • Attempts to collect debt not owed
  • Debt is not yours
  • TX
  • 77005
 Web Older American, Servicemember
I receive 4 phone calls daily from United Recovery Systems, apparently about a debt that I do not owe.
10/27/2015 Yes
  • Debt collection
  • I do not know
  • Cont'd attempts collect debt not owed
  • Debt is not mine
  • TX
  • 78749
 Web
I do not know what this debit is for. Company has called my ex husband, mother and current husband.
03/27/2018 Yes
  • Debt collection
  • Credit card debt
  • Attempts to collect debt not owed
  • Debt was result of identity theft
  • NY
  • 11434
 Web
I'm a victim of identity theft someone got my information and opened up accounts in my name
07/14/2017 Yes
  • Debt collection
  • Auto debt
  • Communication tactics
  • You told them to stop contacting you, but they keep trying
  • TX
  • 77340
 Web Older American, Servicemember
have told them that I will pay once I receive the money from the buyer to settle this debt
04/28/2015 Yes
  • Debt collection
  • I do not know
  • Communication tactics
  • Frequent or repeated calls
  • NJ
  • 070XX
 Web
Continuous phone calls every day. Please stop the harassment. May contact me by mail only
08/28/2015 Yes
  • Debt collection
  • Credit card
  • Communication tactics
  • Frequent or repeated calls
  • FL
  • 32259
 Web
Calling repeatadly, without leaving voicemail, calling my work after I asked to stop.
04/02/2015 Yes
  • Debt collection
  • Credit card
  • Improper contact or sharing of info
  • Talked to a third party about my debt
  • IL
  • 60473
 Web
This debt collector keeps on trying to call my father even though they have my number
11/14/2019 Yes
  • Debt collection
  • Auto debt
  • False statements or representation
  • Attempted to collect wrong amount
  • CA
  • 90012
 Web
I paid of XXXX. I payed more than this amount this need to be off my credit report
10/15/2015 Yes
  • Debt collection
  • Other (i.e. phone, health club, etc.)
  • Cont'd attempts collect debt not owed
  • Debt was discharged in bankruptcy
  • AZ
  • 85086
 Web
They are collecting on a debt that was discharged though chapter XXXX bankruptcy
10/05/2022 Yes
  • Debt collection
  • Auto debt
  • Attempts to collect debt not owed
  • Debt is not yours
  • TX
  • 77077
 Web
They are charging me a amount I dont owe. I want to discuss this.
07/06/2015 Yes
  • Debt collection
  • Credit card
  • Communication tactics
  • Called after sent written cease of comm
  • IL
  • 60445
 Web
IN VIOLATION OF FCRA, FDCPA AND TCPA. ( SEE ATTACHED LIST )
04/08/2019 Yes
  • Debt collection
  • Credit card debt
  • Attempts to collect debt not owed
  • Debt was result of identity theft
  • MD
  • 20772
 Web
XX/XX/2016 Reported {$2300.00} Reported as Identity Theft
08/08/2015 Yes
  • Consumer Loan
  • Installment loan
  • Problems when you are unable to pay
  • GA
  • 30318
 Web
Debt collector is calling my job several times a day.
02/02/2017 Yes
  • Debt collection
  • Credit card
  • Disclosure verification of debt
  • Not given enough info to verify debt
  • WA
  • 98366
 Web
Company has mislabeled the debt on my credit reports
03/22/2015 Yes
  • Debt collection
  • I do not know
  • Cont'd attempts collect debt not owed
  • Debt is not mine
  • FL
  • 33174
 Web
I do n't have any relationship with XXXX university
01/25/2024 Yes
  • Debt collection
  • I do not know
  • Communication tactics
  • You told them to stop contacting you, but they keep trying
  • KY
  • 42240
 Web Servicemember
09/01/2023 Yes
  • Debt collection
  • I do not know
  • Attempts to collect debt not owed
  • Debt is not yours
  • PA
  • 19102
 Web
08/23/2023 Yes
  • Debt collection
  • I do not know
  • Written notification about debt
  • Didn't receive enough information to verify debt
  • VA
  • 23692
 Web
08/22/2023 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Other personal consumer report
  • Improper use of your report
  • Report provided to employer without your written authorization
  • TX
  • 75024
 Web Servicemember
08/12/2023 Yes
  • Debt collection
  • Credit card debt
  • Attempts to collect debt not owed
  • Debt is not yours
  • MS
  • 39530
 Web
06/06/2023 Yes
  • Debt collection
  • I do not know
  • False statements or representation
  • Attempted to collect wrong amount
  • FL
  • 33351
 Web
05/18/2023 Yes
  • Debt collection
  • I do not know
  • Attempts to collect debt not owed
  • Debt is not yours
  • NJ
  • 08844
 Web Servicemember
05/10/2023 Yes
  • Debt collection
  • I do not know
  • Attempts to collect debt not owed
  • Debt is not yours
  • NJ
  • 08844
 Web
04/20/2023 Yes
  • Debt collection
  • Auto debt
  • Written notification about debt
  • Didn't receive enough information to verify debt
  • NJ
  • 07050
 Web
04/11/2023 Yes
  • Debt collection
  • Other debt
  • Communication tactics
  • Frequent or repeated calls
  • DE
  • 19709
 Phone
04/05/2023 Yes
  • Debt collection
  • Other debt
  • Attempts to collect debt not owed
  • Debt was result of identity theft
  • TX
  • 75217
 Web
03/15/2023 Yes
  • Debt collection
  • I do not know
  • Attempts to collect debt not owed
  • Debt is not yours
  • CA
  • 92584
 Web
02/22/2023 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Incorrect information on your report
  • Old information reappears or never goes away
  • NY
  • 10308
 Web
02/21/2023 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Incorrect information on your report
  • Information belongs to someone else
  • GA
  • 30248
 Web
01/16/2023 Yes
  • Debt collection
  • Other debt
  • Attempts to collect debt not owed
  • Debt is not yours
  • NC
  • 28546
 Web
01/16/2023 Yes
  • Debt collection
  • I do not know
  • Communication tactics
  • You told them to stop contacting you, but they keep trying
  • VA
  • 22625
 Web Servicemember
01/10/2023 Yes
  • Debt collection
  • I do not know
  • Attempts to collect debt not owed
  • Debt is not yours
  • TN
  • 37617
 Web
12/30/2022 Yes
  • Debt collection
  • I do not know
  • Attempts to collect debt not owed
  • Debt was paid
  • NY
  • 10465
 Web
12/12/2022 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Incorrect information on your report
  • Information is missing that should be on the report
  • GA
  • 30097
 Web
10/24/2022 Yes
  • Debt collection
  • Auto debt
  • Attempts to collect debt not owed
  • Debt was paid
  • CA
  • 92395
 Web
10/12/2022 Yes
  • Debt collection
  • I do not know
  • Attempts to collect debt not owed
  • Debt is not yours
  • FL
  • 34986
 Web
10/02/2022 Yes
  • Debt collection
  • I do not know
  • Attempts to collect debt not owed
  • Debt is not yours
  • SC
  • 29118
 Web
09/28/2022 Yes
  • Debt collection
  • I do not know
  • Took or threatened to take negative or legal action
  • Threatened or suggested your credit would be damaged
  • TX
  • 77082
 Web
09/19/2022 Yes
  • Debt collection
  • Credit card debt
  • Attempts to collect debt not owed
  • Debt is not yours
  • CA
  • 94587
 Web
08/30/2022 Yes
  • Debt collection
  • Credit card debt
  • Written notification about debt
  • Didn't receive enough information to verify debt
  • MI
  • 48076
 Web
08/22/2022 Yes
  • Debt collection
  • Payday loan debt
  • Communication tactics
  • Frequent or repeated calls
  • AL
  • 36111
 Phone
08/02/2022 Yes
  • Debt collection
  • Auto debt
  • Communication tactics
  • Used obscene, profane, or other abusive language
  • GA
  • 31404
 Web
06/24/2022 Yes
  • Debt collection
  • Credit card debt
  • False statements or representation
  • Attempted to collect wrong amount
  • WA
  • 98058
 Web
05/31/2022 Yes
  • Debt collection
  • I do not know
  • Written notification about debt
  • Didn't receive enough information to verify debt
  • MS
  • 39071
 Referral
05/26/2022 Yes
  • Credit card or prepaid card
  • General-purpose credit card or charge card
  • Struggling to pay your bill
  • Credit card company won't work with you while you're going through financial hardship
  • GA
  • 31520
 Web Servicemember
05/03/2022 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Incorrect information on your report
  • Account status incorrect
  • CO
  • 81001
 Web Servicemember
04/11/2022 Yes
  • Debt collection
  • I do not know
  • Attempts to collect debt not owed
  • Debt is not yours
  • CA
  • 95446
 Referral
01/15/2022 Yes
  • Debt collection
  • I do not know
  • Communication tactics
  • You told them to stop contacting you, but they keep trying
  • CA
  • 94550
 Web
07/26/2021 Yes
  • Debt collection
  • Other debt
  • Communication tactics
  • Used obscene, profane, or other abusive language
  • WI
  • 53227
 Web
06/04/2021 Yes
  • Debt collection
  • Credit card debt
  • Communication tactics
  • Frequent or repeated calls
  • NY
  • 13417
 Web
03/19/2021 Yes
  • Debt collection
  • Credit card debt
  • Communication tactics
  • Frequent or repeated calls
  • VA
  • 24330
 Web Servicemember
01/05/2021 Yes
  • Debt collection
  • Payday loan debt
  • Communication tactics
  • Used obscene, profane, or other abusive language
  • TX
  • 77099
 Web
11/27/2020 Yes
  • Debt collection
  • I do not know
  • Written notification about debt
  • Didn't receive enough information to verify debt
  • MI
  • 49546
 Referral
11/04/2020 Yes
  • Debt collection
  • Other debt
  • Written notification about debt
  • Didn't receive enough information to verify debt
  • PA
  • 15220
 Fax
08/04/2020 Yes
  • Debt collection
  • Credit card debt
  • Communication tactics
  • Frequent or repeated calls
  • FL
  • 33432
 Phone
07/07/2020 Yes
  • Debt collection
  • Credit card debt
  • Attempts to collect debt not owed
  • Debt was paid
  • CA
  • 90221
 Web
06/18/2020 Yes
  • Debt collection
  • I do not know
  • Communication tactics
  • Used obscene, profane, or other abusive language
  • MI
  • 48235
 Web
06/15/2020 Yes
  • Debt collection
  • I do not know
  • Attempts to collect debt not owed
  • Debt is not yours
  • TX
  • 75052
 Web
06/03/2020 Yes
  • Debt collection
  • Other debt
  • Written notification about debt
  • Notification didn't disclose it was an attempt to collect a debt
  • NY
  • 10472
 Web
04/14/2020 Yes
  • Debt collection
  • I do not know
  • Attempts to collect debt not owed
  • Debt is not yours
  • FL
  • 34235
 Phone Servicemember
04/06/2020 Yes
  • Debt collection
  • Credit card debt
  • Communication tactics
  • You told them to stop contacting you, but they keep trying
  • OH
  • 43571
 Web Servicemember
02/21/2020 Yes
  • Debt collection
  • Auto debt
  • Communication tactics
  • Used obscene, profane, or other abusive language
  • VA
  • 23015
 Phone
02/12/2020 Yes
  • Debt collection
  • I do not know
  • Communication tactics
  • You told them to stop contacting you, but they keep trying
  • FL
  • 33143
 Web
02/03/2020 Yes
  • Debt collection
  • Federal student loan debt
  • Written notification about debt
  • Didn't receive enough information to verify debt
  • NJ
  • 07102
 Web
01/02/2020 Yes
  • Student loan
  • Federal student loan servicing
  • Dealing with your lender or servicer
  • Received bad information about your loan
  • KS
  • 66612
 Postal mail Older American
10/22/2019 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Incorrect information on your report
  • Information belongs to someone else
  • OH
  • 43224
 Web
10/06/2019 Yes
  • Debt collection
  • I do not know
  • Communication tactics
  • You told them to stop contacting you, but they keep trying
  • NC
  • 28262
 Web
09/30/2019 Yes
  • Debt collection
  • Credit card debt
  • False statements or representation
  • Attempted to collect wrong amount
  • OH
  • 43123
 Phone Servicemember
09/24/2019 Yes
  • Debt collection
  • Credit card debt
  • Communication tactics
  • Frequent or repeated calls
  • IN
  • 47060
 Web
09/20/2019 Yes
  • Debt collection
  • Credit card debt
  • Written notification about debt
  • Didn't receive notice of right to dispute
  • CT
  • 06457
 Phone
09/19/2019 Yes
  • Debt collection
  • Credit card debt
  • Threatened to contact someone or share information improperly
  • Talked to a third-party about your debt
  • NJ
  • 08854
 Referral
09/18/2019 Yes
  • Debt collection
  • Other debt
  • Written notification about debt
  • Didn't receive enough information to verify debt
  • FL
  • 33625
 Phone
09/11/2019 Yes
  • Debt collection
  • Other debt
  • Written notification about debt
  • Didn't receive enough information to verify debt
  • AZ
  • 85282
 Referral
08/23/2019 Yes
  • Debt collection
  • Credit card debt
  • Threatened to contact someone or share information improperly
  • Talked to a third-party about your debt
  • OR
  • 97045
 Web Servicemember
08/22/2019 Yes
  • Debt collection
  • Credit card debt
  • False statements or representation
  • Attempted to collect wrong amount
  • CA
  • 94966
 Phone
08/15/2019 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Incorrect information on your report
  • Account status incorrect
  • AZ
  • 85747
 Web Servicemember
08/08/2019 Yes
  • Debt collection
  • Federal student loan debt
  • Attempts to collect debt not owed
  • Debt was paid
  • KS
  • 66612
 Phone Older American
08/07/2019 Yes
  • Debt collection
  • Other debt
  • Written notification about debt
  • Didn't receive enough information to verify debt
  • VA
  • 23150
 Postal mail
08/06/2019 Yes
  • Vehicle loan or lease
  • Lease
  • Managing the loan or lease
  • Loan sold or transferred to another company
  • CT
  • 06811
 Phone
07/26/2019 Yes
  • Vehicle loan or lease
  • Loan
  • Struggling to pay your loan
  • Loan balance remaining after the vehicle is repossessed and sold
  • CA
  • 91950
 Phone
07/15/2019 Yes
  • Debt collection
  • Federal student loan debt
  • Written notification about debt
  • Didn't receive enough information to verify debt
  • TX
  • 77040
 Postal mail
07/12/2019 Yes
  • Debt collection
  • Medical debt
  • Communication tactics
  • Used obscene, profane, or other abusive language
  • IA
  • 52228
 Web
07/08/2019 Yes
  • Debt collection
  • Credit card debt
  • Communication tactics
  • Frequent or repeated calls
  • NY
  • 11516
 Web
07/08/2019 Yes
  • Debt collection
  • Medical debt
  • Took or threatened to take negative or legal action
  • Threatened or suggested your credit would be damaged
  • ID
  • 83704
 Web
06/19/2019 Yes
  • Debt collection
  • Credit card debt
  • Communication tactics
  • Called before 8am or after 9pm
  • FL
  • 34984
 Web Servicemember
06/13/2019 Yes
  • Debt collection
  • Credit card debt
  • Threatened to contact someone or share information improperly
  • Talked to a third-party about your debt
  • CA
  • 95648
 Web Servicemember
06/12/2019 Yes
  • Debt collection
  • Federal student loan debt
  • Attempts to collect debt not owed
  • Debt is not yours
  • MD
  • 20607
 Web
06/10/2019 Yes
  • Debt collection
  • Credit card debt
  • Attempts to collect debt not owed
  • Debt was paid
  • ID
  • 83404
 Web
05/29/2019 Yes
  • Debt collection
  • Federal student loan debt
  • Threatened to contact someone or share information improperly
  • Contacted your employer
  • NC
  • 27610
 Web
05/21/2019 Yes
  • Debt collection
  • Credit card debt
  • Communication tactics
  • You told them to stop contacting you, but they keep trying
  • TX
  • 75007
 Web Servicemember
05/15/2019 Yes
  • Debt collection
  • Credit card debt
  • Attempts to collect debt not owed
  • Debt was paid
  • PA
  • 15025
 Postal mail
05/10/2019 Yes
  • Debt collection
  • Credit card debt
  • Attempts to collect debt not owed
  • Debt is not yours
  • GA
  • 30344
 Fax
05/05/2019 Yes
  • Debt collection
  • Auto debt
  • Communication tactics
  • Frequent or repeated calls
  • LA
  • 70115
 Web
05/03/2019 Yes
  • Debt collection
  • Mortgage debt
  • Attempts to collect debt not owed
  • Debt was already discharged in bankruptcy and is no longer owed
  • CA
  • 94509
 Referral
05/02/2019 Yes
  • Debt collection
  • Credit card debt
  • Written notification about debt
  • Didn't receive enough information to verify debt
  • NY
  • 11757
 Referral
05/01/2019 Yes
  • Student loan
  • Federal student loan servicing
  • Dealing with your lender or servicer
  • Don't agree with the fees charged
  • IL
  • 60561
 Web
04/30/2019 Yes
  • Debt collection
  • I do not know
  • Attempts to collect debt not owed
  • Debt was result of identity theft
  • TX
  • 78258
 Web Servicemember
04/26/2019 Yes
  • Debt collection
  • Credit card debt
  • Attempts to collect debt not owed
  • Debt was result of identity theft
  • CA
  • 92376
 Web Servicemember
04/24/2019 Yes
  • Student loan
  • Federal student loan servicing
  • Dealing with your lender or servicer
  • Received bad information about your loan
  • MI
  • 48120
 Web
04/17/2019 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Incorrect information on your report
  • Account status incorrect
  • AL
  • 35133
 Web
04/09/2019 Yes
  • Student loan
  • Federal student loan servicing
  • Dealing with your lender or servicer
  • Trouble with how payments are being handled
  • MN
  • 55429
 Web
04/08/2019 Yes
  • Debt collection
  • I do not know
  • Attempts to collect debt not owed
  • Debt is not yours
  • TX
  • 78258
 Web Servicemember
03/22/2019 Yes
  • Debt collection
  • Federal student loan debt
  • Attempts to collect debt not owed
  • Debt is not yours
  • PA
  • 16335
 Postal mail
03/22/2019 Yes
  • Debt collection
  • Other debt
  • Attempts to collect debt not owed
  • Debt is not yours
Phone
03/21/2019 Yes
  • Debt collection
  • Auto debt
  • Written notification about debt
  • Didn't receive enough information to verify debt
  • AL
  • 36502
 Referral
03/15/2019 Yes
  • Debt collection
  • Federal student loan debt
  • False statements or representation
  • Attempted to collect wrong amount
  • MI
  • 49249
 Web
03/06/2019 Yes
  • Debt collection
  • Credit card debt
  • Attempts to collect debt not owed
  • Debt was result of identity theft
  • NV
  • 89142
 Web Servicemember
03/06/2019 Yes
  • Student loan
  • Federal student loan servicing
  • Dealing with your lender or servicer
  • Trouble with how payments are being handled
  • OH
  • 44060
 Web
02/27/2019 Yes
  • Student loan
  • Federal student loan servicing
  • Dealing with your lender or servicer
  • Received bad information about your loan
  • ME
  • 04250
 Web
02/22/2019 Yes
  • Debt collection
  • Credit card debt
  • Attempts to collect debt not owed
  • Debt was result of identity theft
  • CA
  • 92376
 Web Servicemember
02/21/2019 Yes
  • Debt collection
  • Credit card debt
  • Attempts to collect debt not owed
  • Debt was paid
  • NV
  • 89156
 Web Servicemember
02/20/2019 Yes
  • Debt collection
  • Other debt
  • Written notification about debt
  • Didn't receive enough information to verify debt
  • NY
  • 10463
 Referral
02/13/2019 Yes
  • Debt collection
  • Credit card debt
  • Written notification about debt
  • Didn't receive enough information to verify debt
  • MN
  • 55447
 Web
02/05/2019 Yes
  • Debt collection
  • Credit card debt
  • Written notification about debt
  • Didn't receive enough information to verify debt
  • AZ
  • XXXXX
 Web Older American, Servicemember
02/03/2019 Yes
  • Debt collection
  • Auto debt
  • Attempts to collect debt not owed
  • Debt was paid
  • CA
  • 90016
 Web
01/26/2019 Yes
  • Debt collection
  • Federal student loan debt
  • Written notification about debt
  • Didn't receive enough information to verify debt
  • AL
  • 36801
 Web
01/12/2019 Yes
  • Student loan
  • Private student loan
  • Incorrect information on your report
  • Account status incorrect
  • OR
  • 97080
 Web
01/04/2019 Yes
  • Debt collection
  • Credit card debt
  • Written notification about debt
  • Didn't receive enough information to verify debt
  • FL
  • 32218
 Web
12/18/2018 Yes
  • Debt collection
  • I do not know
  • Communication tactics
  • You told them to stop contacting you, but they keep trying
  • PA
  • 19047
 Web
12/16/2018 Yes
  • Debt collection
  • Auto debt
  • Attempts to collect debt not owed
  • Debt was result of identity theft
  • NV
  • 89108
 Web
12/13/2018 Yes
  • Debt collection
  • I do not know
  • Written notification about debt
  • Didn't receive enough information to verify debt
  • IL
  • 60621
 Web
12/13/2018 Yes
  • Debt collection
  • I do not know
  • Written notification about debt
  • Didn't receive enough information to verify debt
  • IL
  • 60621
 Web
11/29/2018 Yes
  • Debt collection
  • Credit card debt
  • Written notification about debt
  • Didn't receive enough information to verify debt
  • CA
  • 95919
 Web Servicemember
11/19/2018 Yes
  • Debt collection
  • Other debt
  • Written notification about debt
  • Didn't receive enough information to verify debt
  • NV
  • 89107
 Phone
11/19/2018 Yes
  • Debt collection
  • Credit card debt
  • Written notification about debt
  • Didn't receive notice of right to dispute
  • OR
  • 97224
 Web
11/16/2018 Yes
  • Debt collection
  • Credit card debt
  • Written notification about debt
  • Didn't receive enough information to verify debt
  • NY
  • 14225
 Web
11/15/2018 Yes
  • Debt collection
  • Other debt
  • Communication tactics
  • Frequent or repeated calls
  • AZ
  • 85016
 Referral
11/06/2018 Yes
  • Debt collection
  • I do not know
  • Written notification about debt
  • Didn't receive enough information to verify debt
Postal mail
11/02/2018 Yes
  • Debt collection
  • Federal student loan debt
  • Written notification about debt
  • Didn't receive enough information to verify debt
  • NJ
  • 07840
 Fax
10/24/2018 Yes
  • Credit card or prepaid card
  • General-purpose credit card or charge card
  • Problem with a purchase shown on your statement
  • Credit card company isn't resolving a dispute about a purchase on your statement
  • PA
  • 19403
 Fax
10/24/2018 Yes
  • Debt collection
  • I do not know
  • Threatened to contact someone or share information improperly
  • Talked to a third-party about your debt
Phone
10/21/2018 Yes
  • Debt collection
  • Other debt
  • False statements or representation
  • Attempted to collect wrong amount
  • TX
  • 76137
 Web
10/19/2018 Yes
  • Debt collection
  • Mortgage debt
  • Written notification about debt
  • Didn't receive enough information to verify debt
  • NY
  • 11378
 Referral
10/12/2018 Yes
  • Debt collection
  • Credit card debt
  • Written notification about debt
  • Didn't receive enough information to verify debt
  • CA
  • 91207
 Web Servicemember
10/02/2018 Yes
  • Debt collection
  • I do not know
  • Attempts to collect debt not owed
  • Debt is not yours
  • DC
  • 20011
 Web
09/25/2018 Yes
  • Debt collection
  • Other debt
  • Written notification about debt
  • Didn't receive enough information to verify debt
  • NV
  • 89107
 Referral
09/15/2018 Yes
  • Debt collection
  • I do not know
  • Attempts to collect debt not owed
  • Debt was already discharged in bankruptcy and is no longer owed
  • MI
  • 49512
 Web
09/07/2018 Yes
  • Debt collection
  • I do not know
  • Written notification about debt
  • Didn't receive enough information to verify debt
  • AZ
  • 85050
 Referral
09/06/2018 Yes
  • Debt collection
  • Credit card debt
  • Attempts to collect debt not owed
  • Debt is not yours
Phone
08/30/2018 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Improper use of your report
  • Reporting company used your report improperly
  • TX
  • 77449
 Web
08/28/2018 Yes
  • Debt collection
  • Federal student loan debt
  • Attempts to collect debt not owed
  • Debt was paid
  • CA
  • 94705
 Fax
08/14/2018 Yes
  • Debt collection
  • Credit card debt
  • Attempts to collect debt not owed
  • Debt is not yours
  • NJ
  • 07016
 Web
08/06/2018 Yes
  • Debt collection
  • Auto debt
  • Written notification about debt
  • Didn't receive enough information to verify debt
  • OH
  • 44870
 Web Servicemember
08/06/2018 Yes
  • Debt collection
  • Other debt
  • Written notification about debt
  • Didn't receive enough information to verify debt
  • NY
  • 11208
 Referral
08/01/2018 Yes
  • Debt collection
  • Credit card debt
  • Written notification about debt
  • Didn't receive notice of right to dispute
  • CA
  • 93036
 Web
07/27/2018 Yes
  • Debt collection
  • Other debt
  • Communication tactics
  • Frequent or repeated calls
  • TN
  • 37407
 Web
07/26/2018 Yes
  • Student loan
  • Federal student loan servicing
  • Dealing with your lender or servicer
  • Trouble with how payments are being handled
  • MD
  • 21617
 Phone
07/19/2018 Yes
  • Debt collection
  • Other debt
  • Written notification about debt
  • Didn't receive enough information to verify debt
  • NY
  • 11238
 Referral
07/17/2018 Yes
  • Debt collection
  • Auto debt
  • Attempts to collect debt not owed
  • Debt was paid
  • TX
  • 77071
 Web
07/08/2018 Yes
  • Debt collection
  • Other debt
  • Attempts to collect debt not owed
  • Debt was paid
  • WI
  • 53405
 Web
06/16/2018 Yes
  • Debt collection
  • Auto debt
  • Attempts to collect debt not owed
  • Debt was paid
  • MD
  • 21208
 Web
06/08/2018 Yes
  • Debt collection
  • Credit card debt
  • Threatened to contact someone or share information improperly
  • Contacted your employer
Phone
06/07/2018 Yes
  • Debt collection
  • I do not know
  • Communication tactics
  • Frequent or repeated calls
  • LA
  • 70816
 Web
06/06/2018 Yes
  • Debt collection
  • Other debt
  • Written notification about debt
  • Didn't receive enough information to verify debt
  • NY
  • 10560
 Postal mail
05/24/2018 Yes
  • Debt collection
  • Private student loan debt
  • Written notification about debt
  • Didn't receive enough information to verify debt
  • CT
  • 06010
 Referral
05/22/2018 Yes
  • Debt collection
  • Other debt
  • Written notification about debt
  • Didn't receive enough information to verify debt
  • IL
  • 60616
 Phone
05/08/2018 Yes
  • Debt collection
  • Credit card debt
  • Communication tactics
  • Frequent or repeated calls
  • CA
  • 92799
 Web
05/06/2018 Yes
  • Debt collection
  • I do not know
  • False statements or representation
  • Attempted to collect wrong amount
  • CA
  • 94105
 Web
05/04/2018 Yes
  • Debt collection
  • Credit card debt
  • Written notification about debt
  • Didn't receive enough information to verify debt
  • IL
  • 60620
 Postal mail
05/04/2018 Yes
  • Debt collection
  • Credit card debt
  • False statements or representation
  • Attempted to collect wrong amount
  • NJ
  • 08536
 Referral Servicemember
05/03/2018 Yes
  • Debt collection
  • Other debt
  • Written notification about debt
  • Didn't receive enough information to verify debt
  • NJ
  • 07006
 Postal mail
05/02/2018 Yes
  • Debt collection
  • I do not know
  • Communication tactics
  • Frequent or repeated calls
  • GA
  • 30319
 Referral
04/29/2018 Yes
  • Vehicle loan or lease
  • Loan
  • Struggling to pay your loan
  • Loan balance remaining after the vehicle is repossessed and sold
  • IN
  • 46222
 Web
04/27/2018 Yes
  • Debt collection
  • I do not know
  • Communication tactics
  • Frequent or repeated calls
  • AZ
  • 85616
 Web Older American, Servicemember
04/21/2018 Yes
  • Debt collection
  • Federal student loan debt
  • Written notification about debt
  • Didn't receive enough information to verify debt
  • FL
  • 33319
 Web
04/21/2018 Yes
  • Debt collection
  • Credit card debt
  • False statements or representation
  • Indicated you were committing crime by not paying debt
  • CO
  • 80202
 Web
04/17/2018 Yes
  • Debt collection
  • Other debt
  • Attempts to collect debt not owed
  • Debt is not yours
  • OH
  • 43110
 Phone
04/12/2018 Yes
  • Vehicle loan or lease
  • Loan
  • Managing the loan or lease
  • Problem with fees charged
  • ME
  • 04106
 Referral
04/10/2018 Yes
  • Debt collection
  • Federal student loan debt
  • Attempts to collect debt not owed
  • Debt is not yours
  • IL
  • 60623
 Web
04/04/2018 Yes
  • Student loan
  • Private student loan
  • Dealing with your lender or servicer
  • Keep getting calls about your loan
  • NJ
  • 07735
 Web
03/24/2018 Yes
  • Debt collection
  • Credit card debt
  • Attempts to collect debt not owed
  • Debt is not yours
  • MD
  • 21048
 Web Older American, Servicemember
03/20/2018 Yes
  • Debt collection
  • Federal student loan debt
  • Attempts to collect debt not owed
  • Debt is not yours
Phone
03/20/2018 No
  • Student loan
  • Federal student loan servicing
  • Dealing with your lender or servicer
  • Received bad information about your loan
  • FL
  • 32839
 Web
03/10/2018 Yes
  • Debt collection
  • Auto debt
  • Attempts to collect debt not owed
  • Debt was result of identity theft
  • MD
  • 21208
 Web
03/01/2018 Yes
  • Debt collection
  • Credit card debt
  • Attempts to collect debt not owed
  • Debt is not yours
  • CA
  • 91306
 Web
02/27/2018 Yes
  • Debt collection
  • Federal student loan debt
  • Written notification about debt
  • Didn't receive enough information to verify debt
  • WA
  • 98387
 Referral
02/20/2018 Yes
  • Debt collection
  • Other debt
  • Written notification about debt
  • Didn't receive enough information to verify debt
  • NC
  • 28233
 Referral
02/15/2018 Yes
  • Debt collection
  • Credit card debt
  • Written notification about debt
  • Didn't receive enough information to verify debt
  • TX
  • 76063
 Web Servicemember
02/12/2018 Yes
  • Debt collection
  • Auto debt
  • Written notification about debt
  • Didn't receive enough information to verify debt
  • CT
  • 06604
 Web
02/09/2018 Yes
  • Debt collection
  • Credit card debt
  • Threatened to contact someone or share information improperly
  • Talked to a third-party about your debt
  • CA
  • 93901
 Web
02/09/2018 Yes
  • Debt collection
  • I do not know
  • Written notification about debt
  • Didn't receive enough information to verify debt
  • CO
  • 80220
 Web Servicemember
02/09/2018 Yes
  • Debt collection
  • Credit card debt
  • Attempts to collect debt not owed
  • Debt is not yours
  • CA
  • 91320
 Web
02/08/2018 Yes
  • Debt collection
  • Other debt
  • Attempts to collect debt not owed
  • Debt was already discharged in bankruptcy and is no longer owed
  • AZ
  • 85301
 Web
01/31/2018 Yes
  • Debt collection
  • Other debt
  • Communication tactics
  • Frequent or repeated calls
  • CA
  • 91403
 Phone
01/30/2018 Yes
  • Debt collection
  • Credit card debt
  • Threatened to contact someone or share information improperly
  • Talked to a third-party about your debt
  • AZ
  • 85308
 Web
01/30/2018 Yes
  • Debt collection
  • Auto debt
  • Written notification about debt
  • Didn't receive notice of right to dispute
  • CA
  • 92691
 Postal mail
01/18/2018 Yes
  • Debt collection
  • Other debt
  • Written notification about debt
  • Didn't receive enough information to verify debt
  • CA
  • 90292
 Postal mail
01/10/2018 No
  • Debt collection
  • Private student loan debt
  • False statements or representation
  • Attempted to collect wrong amount
  • TX
  • 76013
 Web
01/03/2018 Yes
  • Debt collection
  • Federal student loan debt
  • Written notification about debt
  • Didn't receive enough information to verify debt
  • CA
  • 90069
 Web
12/15/2017 Yes
  • Debt collection
  • Credit card debt
  • False statements or representation
  • Attempted to collect wrong amount
  • MA
  • 02341
 Web
12/12/2017 Yes
  • Debt collection
  • Auto debt
  • Written notification about debt
  • Didn't receive enough information to verify debt
  • NY
  • 11713
 Referral
12/11/2017 Yes
  • Debt collection
  • Credit card debt
  • Threatened to contact someone or share information improperly
  • Talked to a third-party about your debt
  • NC
  • 28541
 Web Servicemember
12/07/2017 Yes
  • Debt collection
  • Auto debt
  • Written notification about debt
  • Didn't receive enough information to verify debt
  • DE
  • 19709
 Web
12/07/2017 Yes
  • Debt collection
  • Credit card debt
  • Written notification about debt
  • Didn't receive enough information to verify debt
  • MD
  • 20877
 Referral
11/27/2017 Yes
  • Debt collection
  • Credit card debt
  • Communication tactics
  • You told them to stop contacting you, but they keep trying
  • MI
  • 48014
 Web
11/21/2017 Yes
  • Debt collection
  • Credit card debt
  • Threatened to contact someone or share information improperly
  • Contacted your employer
  • NY
  • 12831
 Web
11/17/2017 Yes
  • Debt collection
  • Auto debt
  • Communication tactics
  • Frequent or repeated calls
  • NY
  • 11793
 Phone
10/30/2017 No
  • Debt collection
  • Other debt
  • Written notification about debt
  • Didn't receive enough information to verify debt
  • AZ
  • 86445
 Referral
10/26/2017 Yes
  • Debt collection
  • I do not know
  • Threatened to contact someone or share information improperly
  • Contacted your employer
  • FL
  • 33019
 Web
10/20/2017 Yes
  • Debt collection
  • Credit card debt
  • Attempts to collect debt not owed
  • Debt was paid
  • CA
  • 90056
 Postal mail
10/17/2017 Yes
  • Debt collection
  • I do not know
  • Threatened to contact someone or share information improperly
  • Contacted your employer
  • GA
  • 30125
 Web
10/11/2017 Yes
  • Debt collection
  • I do not know
  • Communication tactics
  • Frequent or repeated calls
  • IN
  • 47302
 Web
09/30/2017 Yes
  • Debt collection
  • I do not know
  • Communication tactics
  • Called before 8am or after 9pm
  • CO
  • 81631
 Web
09/19/2017 Yes
  • Debt collection
  • Other debt
  • Written notification about debt
  • Didn't receive enough information to verify debt
  • NY
  • 11230
 Fax
09/16/2017 Yes
  • Debt collection
  • Federal student loan debt
  • Communication tactics
  • Frequent or repeated calls
  • NV
  • 89117
 Web
09/14/2017 Yes
  • Debt collection
  • Other debt
  • Written notification about debt
  • Didn't receive notice of right to dispute
  • NJ
  • 08536
 Postal mail
09/05/2017 Yes
  • Debt collection
  • Credit card debt
  • Communication tactics
  • You told them to stop contacting you, but they keep trying
  • MD
  • 20616
 Web
08/31/2017 Yes
  • Debt collection
  • Credit card debt
  • Threatened to contact someone or share information improperly
  • Talked to a third-party about your debt
  • AR
  • 72076
 Web Servicemember
08/22/2017 Yes
  • Debt collection
  • Credit card debt
  • Written notification about debt
  • Didn't receive enough information to verify debt
  • TX
  • 75007
 Web Servicemember
08/19/2017 No
  • Debt collection
  • Credit card debt
  • False statements or representation
  • Attempted to collect wrong amount
  • AL
  • 36106
 Web
08/18/2017 Yes
  • Debt collection
  • Credit card debt
  • Communication tactics
  • Frequent or repeated calls
  • CT
  • 06477
 Web
07/27/2017 Yes
  • Debt collection
  • I do not know
  • Written notification about debt
  • Didn't receive enough information to verify debt
  • NY
  • 11385
 Referral
07/25/2017 Yes
  • Debt collection
  • Credit card debt
  • Threatened to contact someone or share information improperly
  • Talked to a third-party about your debt
  • VA
  • 22060
 Web Servicemember
07/20/2017 Yes
  • Debt collection
  • I do not know
  • Communication tactics
  • Frequent or repeated calls
  • AZ
  • 86426
 Phone Servicemember
07/11/2017 Yes
  • Debt collection
  • Other debt
  • Took or threatened to take negative or legal action
  • Threatened or suggested your credit would be damaged
  • IL
  • 60101
 Web
07/10/2017 Yes
  • Debt collection
  • Credit card debt
  • Written notification about debt
  • Didn't receive enough information to verify debt
  • CA
  • 94558
 Web
07/06/2017 Yes
  • Vehicle loan or lease
  • Loan
  • Struggling to pay your loan
  • Loan balance remaining after the vehicle is repossessed and sold
  • NJ
  • 08086
 Postal mail
06/29/2017 Yes
  • Debt collection
  • Auto debt
  • Took or threatened to take negative or legal action
  • Threatened or suggested your credit would be damaged
  • MD
  • 20721
 Web
06/21/2017 Yes
  • Debt collection
  • Other debt
  • Written notification about debt
  • Didn't receive enough information to verify debt
Postal mail
06/15/2017 Yes
  • Debt collection
  • Credit card debt
  • Written notification about debt
  • Didn't receive enough information to verify debt
  • TX
  • 75234
 Web
06/15/2017 Yes
  • Debt collection
  • I do not know
  • Communication tactics
  • Frequent or repeated calls
  • NM
  • XXXXX
 Web
06/14/2017 Yes
  • Debt collection
  • Credit card debt
  • Communication tactics
  • Used obscene, profane, or other abusive language
  • PR
  • 00936
 Web
06/11/2017 Yes
  • Debt collection
  • I do not know
  • Communication tactics
  • Frequent or repeated calls
  • TN
  • 37076
 Web
05/15/2017 Yes
  • Debt collection
  • Credit card debt
  • Attempts to collect debt not owed
  • Debt is not yours
  • NY
  • 11216
 Postal mail
05/13/2017 Yes
  • Debt collection
  • Credit card debt
  • Attempts to collect debt not owed
  • Debt was paid
  • NC
  • 27516
 Web
04/15/2017 Yes
  • Debt collection
  • Credit card
  • Communication tactics
  • Frequent or repeated calls
  • MT
  • 59840
 Web
04/11/2017 Yes
  • Debt collection
  • I do not know
  • Improper contact or sharing of info
  • Talked to a third party about my debt
  • TX
  • 77856
 Web
04/05/2017 Yes
  • Debt collection
  • Credit card
  • Communication tactics
  • Frequent or repeated calls
  • FL
  • 32233
 Web Servicemember
04/04/2017 Yes
  • Debt collection
  • Other (i.e. phone, health club, etc.)
  • Improper contact or sharing of info
  • Contacted employer after asked not to
  • NH
  • 03773
 Referral
04/01/2017 Yes
  • Debt collection
  • I do not know
  • Disclosure verification of debt
  • Not given enough info to verify debt
  • FL
  • 32792
 Web
03/29/2017 Yes
  • Debt collection
  • Credit card
  • Cont'd attempts collect debt not owed
  • Debt resulted from identity theft
  • CA
  • 92392
 Web Older American
03/27/2017 Yes
  • Debt collection
  • Non-federal student loan
  • Disclosure verification of debt
  • Not given enough info to verify debt
  • TX
  • 76132
 Referral
03/24/2017 Yes
  • Debt collection
  • Other (i.e. phone, health club, etc.)
  • Disclosure verification of debt
  • Not given enough info to verify debt
  • IL
  • 60101
 Web
03/23/2017 Yes
  • Debt collection
  • Credit card
  • Disclosure verification of debt
  • Not given enough info to verify debt
  • CA
  • 91306
 Web Servicemember
03/18/2017 Yes
  • Debt collection
  • I do not know
  • Communication tactics
  • Called outside of 8am-9pm
  • CA
  • 91316
 Web
02/27/2017 Yes
  • Debt collection
  • Federal student loan
  • Improper contact or sharing of info
  • Contacted employer after asked not to
  • OH
  • 40606
 Phone
02/20/2017 Yes
  • Debt collection
  • Auto
  • Cont'd attempts collect debt not owed
  • Debt is not mine
  • CA
  • 91784
 Web Older American
02/18/2017 Yes
  • Debt collection
  • Credit card
  • Improper contact or sharing of info
  • Contacted employer after asked not to
  • NC
  • 27513
 Web
02/15/2017 Yes
  • Debt collection
  • Other (i.e. phone, health club, etc.)
  • Communication tactics
  • Frequent or repeated calls
  • WA
  • 98178
 Referral
01/31/2017 Yes
  • Debt collection
  • Credit card
  • Improper contact or sharing of info
  • Talked to a third party about my debt
  • CO
  • 80104
 Web
01/17/2017 Yes
  • Debt collection
  • Credit card
  • False statements or representation
  • Attempted to collect wrong amount
  • IL
  • 60661
 Web
01/12/2017 Yes
  • Debt collection
  • Credit card
  • Communication tactics
  • Frequent or repeated calls
  • OH
  • 43338
 Web
01/05/2017 Yes
  • Debt collection
  • Non-federal student loan
  • Disclosure verification of debt
  • Not given enough info to verify debt
  • OR
  • 97229
 Referral
01/05/2017 Yes
  • Debt collection
  • Credit card
  • Communication tactics
  • Frequent or repeated calls
  • TX
  • 78006
 Web Older American
01/05/2017 Yes
  • Student loan
  • Non-federal student loan
  • Getting a loan
  • Qualify for a better loan than offered
  • IL
  • 60660
 Web
01/03/2017 Yes
  • Debt collection
  • Credit card
  • Cont'd attempts collect debt not owed
  • Debt was paid
  • FL
  • 32703
 Phone Older American
12/20/2016 Yes
  • Debt collection
  • Other (i.e. phone, health club, etc.)
  • Disclosure verification of debt
  • Not given enough info to verify debt
  • CA
  • 94523
 Referral
12/16/2016 Yes
  • Debt collection
  • Credit card
  • Cont'd attempts collect debt not owed
  • Debt was paid
  • FL
  • 32703
 Phone
12/07/2016 Yes
  • Debt collection
  • Credit card
  • Communication tactics
  • Frequent or repeated calls
  • NJ
  • 07722
 Postal mail
11/29/2016 Yes
  • Debt collection
  • I do not know
  • Cont'd attempts collect debt not owed
  • Debt is not mine
  • CA
  • 90804
 Web
11/29/2016 Yes
  • Debt collection
  • Credit card
  • Communication tactics
  • Frequent or repeated calls
  • AL
  • 36067
 Web
11/29/2016 Yes
  • Debt collection
  • Credit card
  • Cont'd attempts collect debt not owed
  • Debt was paid
  • SC
  • 29841
 Web Servicemember
11/17/2016 Yes
  • Debt collection
  • Federal student loan
  • False statements or representation
  • Impersonated an attorney or official
  • IL
  • 60402
 Referral
10/27/2016 Yes
  • Debt collection
  • Credit card
  • Communication tactics
  • Frequent or repeated calls
  • VA
  • 22193
 Web
09/29/2016 Yes
  • Debt collection
  • Other (i.e. phone, health club, etc.)
  • Disclosure verification of debt
  • Not given enough info to verify debt
  • CA
  • 90005
 Referral
09/26/2016 Yes
  • Debt collection
  • Credit card
  • Cont'd attempts collect debt not owed
  • Debt was paid
  • GA
  • 31523
 Web
09/22/2016 Yes
  • Credit card
  • Closing/Cancelling account
  • MO
  • 64118
 Web Servicemember
09/22/2016 Yes
  • Debt collection
  • I do not know
  • Improper contact or sharing of info
  • Contacted employer after asked not to
  • NV
  • 89011
 Web
09/16/2016 Yes
  • Consumer Loan
  • Installment loan
  • Problems when you are unable to pay
  • OH
  • 43812
 Web
09/08/2016 Yes
  • Debt collection
  • Federal student loan
  • Cont'd attempts collect debt not owed
  • Debt was discharged in bankruptcy
  • NY
  • 13167
 Referral
09/05/2016 Yes
  • Debt collection
  • Credit card
  • Cont'd attempts collect debt not owed
  • Debt resulted from identity theft
  • OH
  • 44108
 Web
08/26/2016 Yes
  • Debt collection
  • Auto
  • Communication tactics
  • Frequent or repeated calls
  • MD
  • 20747
 Phone
08/26/2016 Yes
  • Debt collection
  • Other (i.e. phone, health club, etc.)
  • Cont'd attempts collect debt not owed
  • Debt is not mine
  • PA
  • 16509
 Web
08/23/2016 Yes
  • Debt collection
  • Other (i.e. phone, health club, etc.)
  • Disclosure verification of debt
  • Not given enough info to verify debt
  • WA
  • 99336
 Referral
08/19/2016 Yes
  • Student loan
  • Federal student loan servicing
  • Dealing with my lender or servicer
  • Don't agree with fees charged
  • NY
  • 10040
 Web
08/18/2016 Yes
  • Debt collection
  • Non-federal student loan
  • Cont'd attempts collect debt not owed
  • Debt was discharged in bankruptcy
  • NY
  • 10567
 Web
08/12/2016 Yes
  • Debt collection
  • I do not know
  • Cont'd attempts collect debt not owed
  • Debt is not mine
  • CA
  • 91302
 Web
08/10/2016 Yes
  • Debt collection
  • Non-federal student loan
  • Improper contact or sharing of info
  • Contacted employer after asked not to
  • VA
  • 23219
 Postal mail
08/04/2016 Yes
  • Student loan
  • Non-federal student loan
  • Dealing with my lender or servicer
  • Need information about my balance/terms
  • PA
  • 19102
 Web
07/29/2016 Yes
  • Debt collection
  • I do not know
  • Disclosure verification of debt
  • Not given enough info to verify debt
  • CO
  • 80231
 Web
07/28/2016 Yes
  • Debt collection
  • I do not know
  • Communication tactics
  • Frequent or repeated calls
  • VA
  • 20120
 Web
07/26/2016 Yes
  • Debt collection
  • I do not know
  • Cont'd attempts collect debt not owed
  • Debt is not mine
  • NM
  • 87112
 Web Older American
07/19/2016 Yes
  • Student loan
  • Federal student loan servicing
  • Dealing with my lender or servicer
  • Need information about my balance/terms
  • KS
  • 66062
 Web
07/11/2016 Yes
  • Consumer Loan
  • Installment loan
  • Managing the loan or lease
  • IA
  • 501XX
 Web
07/09/2016 Yes
  • Debt collection
  • I do not know
  • Improper contact or sharing of info
  • Talked to a third party about my debt
  • NH
  • 03109
 Web
06/16/2016 Yes
  • Student loan
  • Non-federal student loan
  • Dealing with my lender or servicer
  • Keep getting calls about my loan
  • TX
  • 78641
 Web
06/15/2016 Yes
  • Debt collection
  • I do not know
  • Improper contact or sharing of info
  • Contacted me after I asked not to
  • FL
  • 33634
 Web Servicemember
06/14/2016 Yes
  • Student loan
  • Federal student loan servicing
  • Dealing with my lender or servicer
  • Don't agree with fees charged
  • LA
  • 70056
 Web
06/07/2016 Yes
  • Debt collection
  • Credit card
  • Communication tactics
  • Threatened to take legal action
  • MI
  • 49424
 Web Older American
06/02/2016 Yes
  • Debt collection
  • Other (i.e. phone, health club, etc.)
  • Taking/threatening an illegal action
  • Attempted to/Collected exempt funds
  • MD
  • 20716
 Fax
05/25/2016 Yes
  • Debt collection
  • Other (i.e. phone, health club, etc.)
  • Communication tactics
  • Frequent or repeated calls
  • PA
  • 19143
 Postal mail Older American
05/17/2016 Yes
  • Credit card
  • Identity theft / Fraud / Embezzlement
  • NJ
  • 08844
 Referral
05/17/2016 Yes
  • Student loan
  • Non-federal student loan
  • Can't repay my loan
  • Can't decrease my monthly payments
  • TX
  • 75033
 Web
05/12/2016 Yes
  • Debt collection
  • Non-federal student loan
  • False statements or representation
  • Attempted to collect wrong amount
  • DC
  • 20008
 Web
04/20/2016 Yes
  • Debt collection
  • Non-federal student loan
  • Communication tactics
  • Used obscene/profane/abusive language
  • OH
  • 44485
 Web
04/18/2016 Yes
  • Debt collection
  • Non-federal student loan
  • Cont'd attempts collect debt not owed
  • Debt was paid
  • WA
  • 98597
 Phone
04/15/2016 Yes
  • Debt collection
  • Other (i.e. phone, health club, etc.)
  • Disclosure verification of debt
  • Not given enough info to verify debt
  • PA
  • 19061
 Referral
04/14/2016 Yes
  • Debt collection
  • Credit card
  • Improper contact or sharing of info
  • Contacted employer after asked not to
  • MD
  • 20653
 Web Servicemember
04/12/2016 Yes
  • Debt collection
  • Non-federal student loan
  • Communication tactics
  • Threatened to take legal action
  • VA
  • 23666
 Phone Servicemember
03/28/2016 Yes
  • Student loan
  • Federal student loan servicing
  • Dealing with my lender or servicer
  • Don't agree with fees charged
  • WA
  • 98405
 Web
03/24/2016 Yes
  • Debt collection
  • Credit card
  • Improper contact or sharing of info
  • Talked to a third party about my debt
  • WA
  • 99354
 Web Servicemember
03/17/2016 Yes
  • Debt collection
  • Non-federal student loan
  • Cont'd attempts collect debt not owed
  • Debt is not mine
  • KY
  • 40517
 Web
03/17/2016 Yes
  • Debt collection
  • Auto
  • Disclosure verification of debt
  • Not given enough info to verify debt
  • FL
  • 33756
 Referral
03/16/2016 Yes
  • Debt collection
  • Federal student loan
  • Cont'd attempts collect debt not owed
  • Debt resulted from identity theft
  • TX
  • 76112
 Fax
03/16/2016 Yes
  • Debt collection
  • Federal student loan
  • Cont'd attempts collect debt not owed
  • Debt resulted from identity theft
  • TX
  • 76112
 Fax
03/14/2016 Yes
  • Debt collection
  • Credit card
  • Cont'd attempts collect debt not owed
  • Debt was discharged in bankruptcy
  • TN
  • 38052
 Web Servicemember
03/07/2016 Yes
  • Debt collection
  • Credit card
  • False statements or representation
  • Attempted to collect wrong amount
  • MI
  • 49036
 Phone
03/07/2016 Yes
  • Debt collection
  • Other (i.e. phone, health club, etc.)
  • Communication tactics
  • Threatened to take legal action
  • NJ
  • 08608
 Postal mail
03/04/2016 Yes
  • Debt collection
  • I do not know
  • Communication tactics
  • Frequent or repeated calls
  • NJ
  • 07727
 Web
03/02/2016 Yes
  • Student loan
  • Federal student loan servicing
  • Can't repay my loan
  • Can't temporarily postpone payments
  • GA
  • 30062
 Web
02/26/2016 Yes
  • Debt collection
  • I do not know
  • Cont'd attempts collect debt not owed
  • Debt is not mine
  • NY
  • 10003
 Web
02/23/2016 Yes
  • Debt collection
  • I do not know
  • Improper contact or sharing of info
  • Talked to a third party about my debt
  • CO
  • 80249
 Web
02/18/2016 Yes
  • Debt collection
  • Credit card
  • Communication tactics
  • Frequent or repeated calls
  • FL
  • 33473
 Web
02/11/2016 Yes
  • Debt collection
  • I do not know
  • Cont'd attempts collect debt not owed
  • Debt is not mine
  • IL
  • 60077
 Web
02/11/2016 Yes
  • Debt collection
  • I do not know
  • Improper contact or sharing of info
  • Talked to a third party about my debt
  • GA
  • 30045
 Web Servicemember
02/11/2016 Yes
  • Debt collection
  • I do not know
  • Communication tactics
  • Frequent or repeated calls
  • CA
  • 95762
 Phone
02/02/2016 Yes
  • Debt collection
  • Non-federal student loan
  • Taking/threatening an illegal action
  • Attempted to/Collected exempt funds
  • CO
  • 80304
 Web Servicemember
01/27/2016 Yes
  • Debt collection
  • I do not know
  • Improper contact or sharing of info
  • Talked to a third party about my debt
  • TX
  • 76262
 Web
01/26/2016 Yes
  • Debt collection
  • Non-federal student loan
  • Communication tactics
  • Frequent or repeated calls
  • AZ
  • 85259
 Web
01/26/2016 Yes
  • Debt collection
  • Other (i.e. phone, health club, etc.)
  • Disclosure verification of debt
  • Not given enough info to verify debt
  • WA
  • 98008
 Postal mail
01/21/2016 Yes
  • Debt collection
  • Federal student loan
  • Cont'd attempts collect debt not owed
  • Debt was paid
  • WA
  • 98597
 Referral
01/12/2016 Yes
  • Debt collection
  • Non-federal student loan
  • Communication tactics
  • Frequent or repeated calls
  • TX
  • 76053
 Web
01/12/2016 Yes
  • Debt collection
  • Credit card
  • Communication tactics
  • Frequent or repeated calls
  • CA
  • 93041
 Phone
01/10/2016 Yes
  • Debt collection
  • Non-federal student loan
  • Improper contact or sharing of info
  • Contacted employer after asked not to
  • GA
  • 30092
 Web
01/03/2016 Yes
  • Debt collection
  • Credit card
  • Communication tactics
  • Frequent or repeated calls
  • NM
  • 87507
 Web
12/29/2015 Yes
  • Debt collection
  • Other (i.e. phone, health club, etc.)
  • False statements or representation
  • Attempted to collect wrong amount
  • CA
  • 91042
 Phone
12/22/2015 Yes
  • Debt collection
  • Auto
  • Disclosure verification of debt
  • Not given enough info to verify debt
  • MN
  • 55105
 Postal mail
12/10/2015 Yes
  • Debt collection
  • Other (i.e. phone, health club, etc.)
  • Disclosure verification of debt
  • Not given enough info to verify debt
  • MI
  • 48111
 Web Servicemember
12/10/2015 Yes
  • Debt collection
  • I do not know
  • Disclosure verification of debt
  • Not given enough info to verify debt
  • OH
  • 45503
 Referral
12/10/2015 Yes
  • Debt collection
  • Non-federal student loan
  • Communication tactics
  • Called after sent written cease of comm
  • CO
  • 80003
 Web Servicemember
11/27/2015 Yes
  • Debt collection
  • Other (i.e. phone, health club, etc.)
  • Disclosure verification of debt
  • Not given enough info to verify debt
  • NY
  • 11218
 Referral
11/18/2015 Yes
  • Debt collection
  • Non-federal student loan
  • Cont'd attempts collect debt not owed
  • Debt was paid
  • NH
  • 03811
 Referral Older American
11/16/2015 Yes
  • Debt collection
  • I do not know
  • Communication tactics
  • Frequent or repeated calls
  • NY
  • 14094
 Web Older American
11/12/2015 Yes
  • Debt collection
  • I do not know
  • Improper contact or sharing of info
  • Contacted employer after asked not to
  • VA
  • 23188
 Web
11/12/2015 Yes
  • Student loan
  • Non-federal student loan
  • Dealing with my lender or servicer
  • Need information about my balance/terms
  • CO
  • 80113
 Phone
11/11/2015 Yes
  • Debt collection
  • Credit card
  • Cont'd attempts collect debt not owed
  • Debt was discharged in bankruptcy
  • NY
  • 11385
 Web
11/10/2015 Yes
  • Debt collection
  • Other (i.e. phone, health club, etc.)
  • False statements or representation
  • Attempted to collect wrong amount
  • TX
  • 76022
 Web
11/09/2015 Yes
  • Debt collection
  • I do not know
  • Cont'd attempts collect debt not owed
  • Debt is not mine
  • CA
  • 90660
 Web
11/04/2015 Yes
  • Debt collection
  • Non-federal student loan
  • Communication tactics
  • Called after sent written cease of comm
  • TX
  • 77070
 Web
11/02/2015 Yes
  • Debt collection
  • Credit card
  • False statements or representation
  • Attempted to collect wrong amount
  • MN
  • 55110
 Web
11/02/2015 Yes
  • Debt collection
  • Credit card
  • Communication tactics
  • Frequent or repeated calls
  • TX
  • 78645
 Web
10/28/2015 Yes
  • Debt collection
  • Other (i.e. phone, health club, etc.)
  • Cont'd attempts collect debt not owed
  • Debt is not mine
  • CO
  • 80134
 Web Servicemember
10/22/2015 Yes
  • Debt collection
  • Federal student loan
  • Disclosure verification of debt
  • Not given enough info to verify debt
  • IN
  • 46235
 Postal mail
10/22/2015 Yes
  • Debt collection
  • Credit card
  • Communication tactics
  • Frequent or repeated calls
  • TX
  • 77003
 Web
10/18/2015 Yes
  • Debt collection
  • I do not know
  • Improper contact or sharing of info
  • Talked to a third party about my debt
  • FL
  • 33607
 Web
10/16/2015 Yes
  • Debt collection
  • I do not know
  • Disclosure verification of debt
  • Not given enough info to verify debt
  • MI
  • 48374
 Web
10/16/2015 Yes
  • Debt collection
  • Credit card
  • Cont'd attempts collect debt not owed
  • Debt is not mine
  • CA
  • 95445
 Phone Older American, Servicemember
10/15/2015 Yes
  • Debt collection
  • Other (i.e. phone, health club, etc.)
  • Cont'd attempts collect debt not owed
  • Debt is not mine
  • TX
  • 78114
 Referral
10/15/2015 Yes
  • Debt collection
  • Federal student loan
  • Cont'd attempts collect debt not owed
  • Debt was paid
  • GA
  • 30248
 Fax
10/14/2015 Yes
  • Debt collection
  • I do not know
  • Improper contact or sharing of info
  • Talked to a third party about my debt
  • AZ
  • 85382
 Web
10/14/2015 Yes
  • Debt collection
  • Other (i.e. phone, health club, etc.)
  • Cont'd attempts collect debt not owed
  • Debt is not mine
  • TN
  • 37716
 Referral
10/07/2015 Yes
  • Debt collection
  • Credit card
  • False statements or representation
  • Attempted to collect wrong amount
  • PA
  • 19020
 Web
10/07/2015 Yes
  • Debt collection
  • Non-federal student loan
  • Improper contact or sharing of info
  • Contacted me after I asked not to
  • TX
  • 77070
 Web
10/06/2015 Yes
  • Debt collection
  • Credit card
  • Communication tactics
  • Frequent or repeated calls
  • WI
  • 54115
 Web
10/04/2015 Yes
  • Debt collection
  • Non-federal student loan
  • Disclosure verification of debt
  • Right to dispute notice not received
  • MI
  • 48225
 Web
09/30/2015 Yes
  • Debt collection
  • Credit card
  • False statements or representation
  • Attempted to collect wrong amount
  • CA
  • 91423
 Web
09/30/2015 Yes
  • Debt collection
  • I do not know
  • Communication tactics
  • Frequent or repeated calls
  • FL
  • 34785
 Referral
09/29/2015 Yes
  • Debt collection
  • I do not know
  • Improper contact or sharing of info
  • Talked to a third party about my debt
  • CO
  • 80210
 Web
09/24/2015 Yes
  • Debt collection
  • Credit card
  • Communication tactics
  • Frequent or repeated calls
  • CA
  • 90703
 Postal mail
09/14/2015 Yes
  • Debt collection
  • Non-federal student loan
  • False statements or representation
  • Attempted to collect wrong amount
  • CA
  • 90068
 Web
09/14/2015 Yes
  • Credit reporting
  • Incorrect information on credit report
  • Information is not mine
  • FL
  • 33312
 Referral
09/10/2015 Yes
  • Debt collection
  • Credit card
  • False statements or representation
  • Attempted to collect wrong amount
  • NY
  • 11233
 Referral
09/09/2015 Yes
  • Debt collection
  • Non-federal student loan
  • False statements or representation
  • Attempted to collect wrong amount
  • CA
  • 93950
 Postal mail
08/31/2015 Yes
  • Debt collection
  • Credit card
  • Improper contact or sharing of info
  • Talked to a third party about my debt
  • LA
  • 70005
 Web
08/28/2015 Yes
  • Debt collection
  • Credit card
  • Disclosure verification of debt
  • Not given enough info to verify debt
  • GA
  • 30062
 Web
08/27/2015 Yes
  • Debt collection
  • Other (i.e. phone, health club, etc.)
  • False statements or representation
  • Attempted to collect wrong amount
  • CO
  • 80216
 Web
08/22/2015 Yes
  • Debt collection
  • Auto
  • Disclosure verification of debt
  • Right to dispute notice not received
  • OH
  • 44420
 Web
08/19/2015 Yes
  • Debt collection
  • I do not know
  • Improper contact or sharing of info
  • Contacted employer after asked not to
  • KS
  • 67002
 Web
08/13/2015 Yes
  • Debt collection
  • Credit card
  • Improper contact or sharing of info
  • Contacted employer after asked not to
  • CA
  • 93561
 Web
08/13/2015 Yes
  • Debt collection
  • I do not know
  • Cont'd attempts collect debt not owed
  • Debt is not mine
  • OK
  • 74073
 Referral
08/11/2015 Yes
  • Debt collection
  • Credit card
  • Communication tactics
  • Threatened to take legal action
  • AR
  • 72653
 Web Older American
08/10/2015 Yes
  • Debt collection
  • Other (i.e. phone, health club, etc.)
  • Cont'd attempts collect debt not owed
  • Debt is not mine
  • IL
  • 62035
 Postal mail
07/24/2015 Yes
  • Debt collection
  • I do not know
  • Cont'd attempts collect debt not owed
  • Debt is not mine
  • TX
  • 76053
 Web Older American
07/20/2015 Yes
  • Credit card
  • Delinquent account
  • NY
  • 14219
 Web
07/17/2015 Yes
  • Debt collection
  • I do not know
  • Communication tactics
  • Frequent or repeated calls
  • FL
  • 32526
 Phone
07/15/2015 Yes
  • Debt collection
  • I do not know
  • Disclosure verification of debt
  • Not given enough info to verify debt
  • TX
  • 78223
 Web
07/15/2015 Yes
  • Debt collection
  • Other (i.e. phone, health club, etc.)
  • Communication tactics
  • Frequent or repeated calls
  • NJ
  • 07033
 Postal mail
07/01/2015 Yes
  • Debt collection
  • Credit card
  • Disclosure verification of debt
  • Not given enough info to verify debt
  • NY
  • 11703
 Web
07/01/2015 Yes
  • Debt collection
  • I do not know
  • Communication tactics
  • Frequent or repeated calls
  • GA
  • 30188
 Web
06/30/2015 Yes
  • Debt collection
  • Credit card
  • Improper contact or sharing of info
  • Contacted employer after asked not to
  • TX
  • 77503
 Web
06/30/2015 Yes
  • Debt collection
  • Federal student loan
  • False statements or representation
  • Attempted to collect wrong amount
  • IL
  • 60640
 Web Older American
06/29/2015 Yes
  • Debt collection
  • I do not know
  • Improper contact or sharing of info
  • Contacted me after I asked not to
  • AZ
  • 85224
 Web
06/26/2015 Yes
  • Debt collection
  • Credit card
  • Communication tactics
  • Frequent or repeated calls
  • LA
  • 70121
 Web
06/23/2015 Yes
  • Debt collection
  • Other (i.e. phone, health club, etc.)
  • Cont'd attempts collect debt not owed
  • Debt was paid
  • TX
  • 77070
 Web Servicemember
06/19/2015 Yes
  • Debt collection
  • Other (i.e. phone, health club, etc.)
  • Cont'd attempts collect debt not owed
  • Debt is not mine
  • FL
  • 33852
 Referral
06/19/2015 Yes
  • Debt collection
  • Credit card
  • Cont'd attempts collect debt not owed
  • Debt is not mine
  • IN
  • 47904
 Phone Servicemember
06/16/2015 Yes
  • Debt collection
  • I do not know
  • Improper contact or sharing of info
  • Contacted me after I asked not to
  • AR
  • 72949
 Web Servicemember
06/16/2015 Yes
  • Debt collection
  • Credit card
  • Cont'd attempts collect debt not owed
  • Debt is not mine
  • CA
  • 94619
 Phone Older American
06/15/2015 Yes
  • Debt collection
  • Credit card
  • Communication tactics
  • Frequent or repeated calls
  • TX
  • 77033
 Fax
06/04/2015 Yes
  • Debt collection
  • Credit card
  • Communication tactics
  • Called outside of 8am-9pm
  • AZ
  • 85296
 Web
05/20/2015 Yes
  • Debt collection
  • Auto
  • Communication tactics
  • Frequent or repeated calls
  • IL
  • 60040
 Web
05/19/2015 Yes
  • Debt collection
  • Auto
  • Communication tactics
  • Frequent or repeated calls
  • CA
  • 90503
 Phone
05/19/2015 Yes
  • Debt collection
  • Credit card
  • Communication tactics
  • Frequent or repeated calls
  • FL
  • 33803
 Web Servicemember
05/13/2015 Yes
  • Debt collection
  • Credit card
  • Cont'd attempts collect debt not owed
  • Debt is not mine
  • IL
  • 62953
 Web
05/12/2015 Yes
  • Debt collection
  • Credit card
  • False statements or representation
  • Attempted to collect wrong amount
  • MI
  • 48083
 Postal mail
05/12/2015 Yes
  • Debt collection
  • Medical
  • Disclosure verification of debt
  • Not given enough info to verify debt
  • MA
  • 01602
 Phone
05/11/2015 Yes
  • Debt collection
  • Other (i.e. phone, health club, etc.)
  • Cont'd attempts collect debt not owed
  • Debt is not mine
  • TX
  • 78758
 Web
05/07/2015 Yes
  • Debt collection
  • I do not know
  • Disclosure verification of debt
  • Not given enough info to verify debt
  • NY
  • 10033
 Referral
05/06/2015 Yes
  • Debt collection
  • Federal student loan
  • Communication tactics
  • Threatened to take legal action
  • NY
  • 10014
 Web
05/04/2015 Yes
  • Debt collection
  • Other (i.e. phone, health club, etc.)
  • Cont'd attempts collect debt not owed
  • Debt is not mine
  • CO
  • 80433
 Web Older American
05/01/2015 Yes
  • Debt collection
  • Credit card
  • Communication tactics
  • Used obscene/profane/abusive language
  • AR
  • 72204
 Web
04/29/2015 Yes
  • Debt collection
  • I do not know
  • Improper contact or sharing of info
  • Talked to a third party about my debt
  • OH
  • 44022
 Web
04/28/2015 Yes
  • Debt collection
  • I do not know
  • Communication tactics
  • Frequent or repeated calls
  • VA
  • 22554
 Web
04/27/2015 Yes
  • Debt collection
  • Credit card
  • Disclosure verification of debt
  • Right to dispute notice not received
  • TX
  • 75080
 Web Older American
04/24/2015 Yes
  • Debt collection
  • Medical
  • Cont'd attempts collect debt not owed
  • Debt is not mine
  • CA
  • 90028
 Phone
04/22/2015 Yes
  • Debt collection
  • Non-federal student loan
  • Communication tactics
  • Frequent or repeated calls
  • GA
  • 30127
 Postal mail
04/18/2015 Yes
  • Debt collection
  • I do not know
  • Cont'd attempts collect debt not owed
  • Debt is not mine
  • FL
  • 32222
 Web Servicemember
04/12/2015 Yes
  • Debt collection
  • Credit card
  • Communication tactics
  • Frequent or repeated calls
  • GA
  • 30144
 Web
04/10/2015 Yes
  • Debt collection
  • Other (i.e. phone, health club, etc.)
  • False statements or representation
  • Indicated committed crime not paying
  • KY
  • 40601
 Web Servicemember
04/08/2015 Yes
  • Debt collection
  • I do not know
  • Communication tactics
  • Frequent or repeated calls
  • PA
  • 15232
 Web
04/03/2015 Yes
  • Debt collection
  • Medical
  • Disclosure verification of debt
  • Right to dispute notice not received
  • MN
  • 55313
 Web
04/02/2015 Yes
  • Debt collection
  • Medical
  • Disclosure verification of debt
  • Not given enough info to verify debt
  • CA
  • 95945
 Postal mail
04/01/2015 Yes
  • Debt collection
  • Other (i.e. phone, health club, etc.)
  • Disclosure verification of debt
  • Not given enough info to verify debt
  • CA
  • 91354
 Referral
04/01/2015 Yes
  • Credit card
  • Delinquent account
  • OK
  • 73013
 Web
03/27/2015 Yes
  • Debt collection
  • I do not know
  • Cont'd attempts collect debt not owed
  • Debt is not mine
  • NM
  • 87501
 Web
03/26/2015 Yes
  • Credit card
  • Delinquent account
  • NV
  • 89108
 Web
03/24/2015 Yes
  • Debt collection
  • Credit card
  • Improper contact or sharing of info
  • Talked to a third party about my debt
  • SC
  • 29824
 Web
03/19/2015 Yes
  • Debt collection
  • Credit card
  • Improper contact or sharing of info
  • Talked to a third party about my debt
  • CA
  • 90094
 Web
03/18/2015 Yes
  • Student loan
  • Non-federal student loan
  • Dealing with my lender or servicer
  • Having problems with customer service
  • CT
  • 06706
 Web
03/17/2015 Yes
  • Debt collection
  • Credit card
  • Communication tactics
  • Frequent or repeated calls
  • CA
  • 94601
 Web Servicemember
03/16/2015 Yes
  • Debt collection
  • Auto
  • False statements or representation
  • Attempted to collect wrong amount
  • CA
  • 93534
 Fax
03/16/2015 Yes
  • Student loan
  • Non-federal student loan
  • Dealing with my lender or servicer
  • Trouble with how payments are handled
  • NE
  • 68144
 Web
03/13/2015 Yes
  • Consumer Loan
  • Installment loan
  • Managing the loan or lease
  • CA
  • 94619
 Web
03/12/2015 Yes
  • Debt collection
  • Credit card
  • Disclosure verification of debt
  • Not given enough info to verify debt
  • VA
  • 24141
 Referral
03/10/2015 Yes
  • Student loan
  • Non-federal student loan
  • Can't repay my loan
  • Can't get flexible payment options
  • AL
  • 36604
 Web
03/06/2015 Yes
  • Debt collection
  • I do not know
  • Communication tactics
  • Frequent or repeated calls
  • GA
  • 30252
 Web
03/04/2015 Yes
  • Debt collection
  • Credit card
  • Cont'd attempts collect debt not owed
  • Debt was paid
  • NY
  • 11040
 Web
03/04/2015 Yes
  • Debt collection
  • I do not know
  • Communication tactics
  • Frequent or repeated calls
  • SC
  • 29229
 Web
03/03/2015 Yes
  • Debt collection
  • I do not know
  • Cont'd attempts collect debt not owed
  • Debt is not mine
  • GA
  • 31088
 Web Older American
03/02/2015 Yes
  • Debt collection
  • I do not know
  • Cont'd attempts collect debt not owed
  • Debt is not mine
  • AZ
  • 85258
 Web Older American
03/01/2015 Yes
  • Debt collection
  • Credit card
  • Communication tactics
  • Called outside of 8am-9pm
  • NC
  • 27215
 Web
02/28/2015 Yes
  • Debt collection
  • Auto
  • Improper contact or sharing of info
  • Contacted me after I asked not to
  • MI
  • 48390
 Web
02/27/2015 Yes
  • Debt collection
  • Non-federal student loan
  • False statements or representation
  • Attempted to collect wrong amount
  • SC
  • 29445
 Web Servicemember
02/27/2015 Yes
  • Debt collection
  • Credit card
  • Communication tactics
  • Frequent or repeated calls
  • OR
  • 97207
 Web
02/25/2015 Yes
  • Debt collection
  • Credit card
  • Taking/threatening an illegal action
  • Attempted to/Collected exempt funds
  • VA
  • 23504
 Web Servicemember
02/23/2015 Yes
  • Debt collection
  • Other (i.e. phone, health club, etc.)
  • Cont'd attempts collect debt not owed
  • Debt is not mine
  • PA
  • 18062
 Web
02/19/2015 Yes
  • Debt collection
  • I do not know
  • Cont'd attempts collect debt not owed
  • Debt is not mine
  • KY
  • 42728
 Web
02/18/2015 Yes
  • Debt collection
  • Credit card
  • Disclosure verification of debt
  • Not given enough info to verify debt
  • NY
  • 11235
 Referral
02/18/2015 Yes
  • Credit card
  • Customer service / Customer relations
  • NY
  • 11566
 Web
02/16/2015 Yes
  • Student loan
  • Non-federal student loan
  • Dealing with my lender or servicer
  • Received bad information about my loan
  • CT
  • 06516
 Web Older American
02/15/2015 Yes
  • Debt collection
  • Federal student loan
  • Cont'd attempts collect debt not owed
  • Debt is not mine
  • CA
  • 90064
 Web
02/13/2015 Yes
  • Debt collection
  • Federal student loan
  • Communication tactics
  • Frequent or repeated calls
  • OR
  • 97603
 Web
02/12/2015 Yes
  • Student loan
  • Non-federal student loan
  • Dealing with my lender or servicer
  • Keep getting calls about my loan
  • FL
  • 33445
 Web
02/08/2015 Yes
  • Debt collection
  • Credit card
  • Improper contact or sharing of info
  • Contacted employer after asked not to
  • DC
  • 20017
 Web
02/06/2015 Yes
  • Student loan
  • Non-federal student loan
  • Dealing with my lender or servicer
  • Having problems with customer service
  • NY
  • 11416
 Web Servicemember
02/05/2015 Yes
  • Debt collection
  • Credit card
  • False statements or representation
  • Attempted to collect wrong amount
  • MN
  • 55117
 Web
02/04/2015 Yes
  • Debt collection
  • Credit card
  • Cont'd attempts collect debt not owed
  • Debt was paid
  • TN
  • 38375
 Web
01/31/2015 Yes
  • Debt collection
  • I do not know
  • Cont'd attempts collect debt not owed
  • Debt is not mine
  • CA
  • 92020
 Web
01/30/2015 Yes
  • Debt collection
  • Other (i.e. phone, health club, etc.)
  • Cont'd attempts collect debt not owed
  • Debt was paid
  • GA
  • 30281
 Web Servicemember
01/27/2015 Yes
  • Debt collection
  • I do not know
  • Communication tactics
  • Frequent or repeated calls
  • MN
  • 55122
 Web
01/27/2015 Yes
  • Debt collection
  • Other (i.e. phone, health club, etc.)
  • Improper contact or sharing of info
  • Talked to a third party about my debt
  • UT
  • 84116
 Web Servicemember
01/24/2015 Yes
  • Mortgage
  • Home equity loan or line of credit
  • Loan modification,collection,foreclosure
  • CA
  • 94550
 Web
01/23/2015 Yes
  • Debt collection
  • Credit card
  • Communication tactics
  • Threatened to take legal action
  • CA
  • 91607
 Web
01/23/2015 Yes
  • Debt collection
  • Medical
  • Communication tactics
  • Frequent or repeated calls
  • KY
  • 41080
 Web
01/14/2015 Yes
  • Debt collection
  • I do not know
  • Cont'd attempts collect debt not owed
  • Debt is not mine
  • OK
  • 73501
 Web
01/14/2015 Yes
  • Debt collection
  • Federal student loan
  • Communication tactics
  • Frequent or repeated calls
  • PA
  • 17013
 Web
01/14/2015 Yes
  • Debt collection
  • Federal student loan
  • Communication tactics
  • Frequent or repeated calls
  • PA
  • 17013
 Web
01/13/2015 Yes
  • Debt collection
  • Credit card
  • Communication tactics
  • Frequent or repeated calls
  • LA
  • 70816
 Web
01/08/2015 No
  • Debt collection
  • Other (i.e. phone, health club, etc.)
  • Disclosure verification of debt
  • Not given enough info to verify debt
  • CA
  • 92660
 Postal mail
01/07/2015 Yes
  • Credit card
  • Delinquent account
  • NJ
  • 07724
 Web Older American
12/30/2014 Yes
  • Debt collection
  • Non-federal student loan
  • Communication tactics
  • Called after sent written cease of comm
  • MN
  • 55124
 Web
12/30/2014 Yes
  • Debt collection
  • Credit card
  • Disclosure verification of debt
  • Not given enough info to verify debt
  • MN
  • 55104
 Web Servicemember
12/30/2014 Yes
  • Debt collection
  • Credit card
  • Communication tactics
  • Frequent or repeated calls
  • CO
  • 80128
 Web
12/29/2014 Yes
  • Debt collection
  • Credit card
  • False statements or representation
  • Attempted to collect wrong amount
  • TX
  • 75051
 Web
12/24/2014 Yes
  • Debt collection
  • Credit card
  • Improper contact or sharing of info
  • Talked to a third party about my debt
  • FL
  • 34713
 Web
12/23/2014 Yes
  • Debt collection
  • I do not know
  • Communication tactics
  • Frequent or repeated calls
  • FL
  • 33161
 Referral
12/19/2014 Yes
  • Debt collection
  • Federal student loan
  • Improper contact or sharing of info
  • Contacted employer after asked not to
  • NY
  • 14626
 Web
12/12/2014 Yes
  • Debt collection
  • Federal student loan
  • Improper contact or sharing of info
  • Contacted employer after asked not to
  • MS
  • 39553
 Web
12/12/2014 Yes
  • Debt collection
  • Other (i.e. phone, health club, etc.)
  • Disclosure verification of debt
  • Not given enough info to verify debt
  • UT
  • 84119
 Referral
12/10/2014 Yes
  • Debt collection
  • I do not know
  • False statements or representation
  • Attempted to collect wrong amount
  • AZ
  • 86409
 Postal mail
11/26/2014 Yes
  • Debt collection
  • Non-federal student loan
  • Communication tactics
  • Called after sent written cease of comm
  • DC
  • 20032
 Web
11/24/2014 Yes
  • Debt collection
  • Other (i.e. phone, health club, etc.)
  • Communication tactics
  • Used obscene/profane/abusive language
  • MI
  • 48138
 Web
11/19/2014 Yes
  • Debt collection
  • Credit card
  • Cont'd attempts collect debt not owed
  • Debt resulted from identity theft
  • CT
  • 06057
 Web
11/13/2014 Yes
  • Student loan
  • Non-federal student loan
  • Dealing with my lender or servicer
  • Don't agree with fees charged
  • NC
  • 28306
 Web
11/03/2014 Yes
  • Student loan
  • Non-federal student loan
  • Dealing with my lender or servicer
  • Received bad information about my loan
  • IL
  • 60401
 Web
10/31/2014 Yes
  • Debt collection
  • Federal student loan
  • Communication tactics
  • Frequent or repeated calls
  • MO
  • 63108
 Web
10/27/2014 Yes
  • Debt collection
  • I do not know
  • Communication tactics
  • Frequent or repeated calls
  • OR
  • 97202
 Web
10/25/2014 Yes
  • Debt collection
  • Other (i.e. phone, health club, etc.)
  • Disclosure verification of debt
  • Not given enough info to verify debt
  • CO
  • 80302
 Web
10/23/2014 Yes
  • Debt collection
  • Federal student loan
  • Disclosure verification of debt
  • Not given enough info to verify debt
  • CA
  • 94549
 Postal mail
10/21/2014 Yes
  • Debt collection
  • Non-federal student loan
  • Disclosure verification of debt
  • Right to dispute notice not received
  • TX
  • 76227
 Web
10/17/2014 Yes
  • Debt collection
  • Credit card
  • Communication tactics
  • Frequent or repeated calls
  • CT
  • 06238
 Web
10/16/2014 Yes
  • Debt collection
  • Credit card
  • Cont'd attempts collect debt not owed
  • Debt is not mine
  • NY
  • 10034
 Postal mail
10/16/2014 Yes
  • Debt collection
  • I do not know
  • Communication tactics
  • Frequent or repeated calls
  • AZ
  • 85225
 Web
10/15/2014 Yes
  • Debt collection
  • Credit card
  • Disclosure verification of debt
  • Not given enough info to verify debt
  • WI
  • 53092
 Referral
10/15/2014 Yes
  • Debt collection
  • Credit card
  • Improper contact or sharing of info
  • Contacted employer after asked not to
  • TX
  • 75409
 Web
10/14/2014 Yes
  • Debt collection
  • Federal student loan
  • Communication tactics
  • Threatened to take legal action
  • FL
  • 33712
 Web
10/14/2014 Yes
  • Debt collection
  • Federal student loan
  • Communication tactics
  • Frequent or repeated calls
  • MI
  • 48415
 Web
10/12/2014 Yes
  • Debt collection
  • Federal student loan
  • Improper contact or sharing of info
  • Contacted employer after asked not to
  • TX
  • 78599
 Web
10/05/2014 Yes
  • Debt collection
  • I do not know
  • Cont'd attempts collect debt not owed
  • Debt is not mine
  • VA
  • 22304
 Web
10/02/2014 Yes
  • Debt collection
  • Mortgage
  • Cont'd attempts collect debt not owed
  • Debt is not mine
  • MI
  • 49849
 Referral Older American
09/25/2014 Yes
  • Debt collection
  • Non-federal student loan
  • Communication tactics
  • Frequent or repeated calls
  • FL
  • 33160
 Web
09/24/2014 Yes
  • Student loan
  • Non-federal student loan
  • Dealing with my lender or servicer
  • Need information about my balance/terms
  • CA
  • 91931
 Web
09/24/2014 Yes
  • Debt collection
  • Non-federal student loan
  • Communication tactics
  • Frequent or repeated calls
  • MA
  • 01930
 Web
09/24/2014 Yes
  • Debt collection
  • I do not know
  • Cont'd attempts collect debt not owed
  • Debt is not mine
  • GA
  • 30338
 Web
09/23/2014 Yes
  • Debt collection
  • Credit card
  • Communication tactics
  • Frequent or repeated calls
  • TX
  • 78230
 Web
09/19/2014 Yes
  • Debt collection
  • Credit card
  • Improper contact or sharing of info
  • Contacted employer after asked not to
  • WA
  • 98112
 Web
09/19/2014 Yes
  • Debt collection
  • Credit card
  • Communication tactics
  • Called after sent written cease of comm
  • OK
  • 74012
 Web
09/17/2014 Yes
  • Debt collection
  • Other (i.e. phone, health club, etc.)
  • Communication tactics
  • Frequent or repeated calls
  • CO
  • 80452
 Web
09/08/2014 Yes
  • Debt collection
  • Credit card
  • Communication tactics
  • Frequent or repeated calls
  • NC
  • 27315
 Web
09/08/2014 Yes
  • Debt collection
  • I do not know
  • Improper contact or sharing of info
  • Contacted employer after asked not to
  • TX
  • 76504
 Web Servicemember
09/06/2014 Yes
  • Debt collection
  • I do not know
  • Cont'd attempts collect debt not owed
  • Debt is not mine
  • CA
  • 95014
 Web Older American
09/05/2014 Yes
  • Debt collection
  • Federal student loan
  • Communication tactics
  • Frequent or repeated calls
  • CA
  • 93433
 Web
09/03/2014 Yes
  • Debt collection
  • Other (i.e. phone, health club, etc.)
  • Improper contact or sharing of info
  • Talked to a third party about my debt
  • MN
  • 55445
 Web
09/03/2014 Yes
  • Debt collection
  • Credit card
  • Taking/threatening an illegal action
  • Threatened to sue on too old debt
  • MA
  • 02124
 Web
08/27/2014 Yes
  • Debt collection
  • Federal student loan
  • Taking/threatening an illegal action
  • Seized/Attempted to seize property
  • KY
  • 40515
 Web
08/27/2014 Yes
  • Debt collection
  • Non-federal student loan
  • Improper contact or sharing of info
  • Contacted me after I asked not to
  • MA
  • 02780
 Web
08/26/2014 Yes
  • Debt collection
  • Federal student loan
  • Communication tactics
  • Threatened to take legal action
  • NC
  • 28594
 Web
08/26/2014 Yes
  • Debt collection
  • Non-federal student loan
  • Communication tactics
  • Frequent or repeated calls
  • CA
  • 94903
 Phone
08/22/2014 Yes
  • Debt collection
  • I do not know
  • Communication tactics
  • Frequent or repeated calls
  • ME
  • 04256
 Web
08/20/2014 Yes
  • Debt collection
  • I do not know
  • Cont'd attempts collect debt not owed
  • Debt is not mine
  • CA
  • 96021
 Web
08/15/2014 Yes
  • Debt collection
  • I do not know
  • Cont'd attempts collect debt not owed
  • Debt was paid
  • TX
  • 76016
 Web
08/15/2014 Yes
  • Debt collection
  • I do not know
  • Improper contact or sharing of info
  • Contacted employer after asked not to
  • TX
  • 78229
 Web
08/14/2014 Yes
  • Consumer Loan
  • Installment loan
  • Managing the loan or lease
  • FL
  • 34207
 Web Older American, Servicemember
08/14/2014 Yes
  • Debt collection
  • I do not know
  • Communication tactics
  • Frequent or repeated calls
  • CO
  • 81524
 Web
08/13/2014 Yes
  • Debt collection
  • Other (i.e. phone, health club, etc.)
  • Disclosure verification of debt
  • Not given enough info to verify debt
  • NJ
  • 07039
 Web
08/11/2014 Yes
  • Debt collection
  • I do not know
  • Cont'd attempts collect debt not owed
  • Debt is not mine
  • NV
  • 89511
 Web
08/11/2014 Yes
  • Debt collection
  • Credit card
  • Communication tactics
  • Frequent or repeated calls
  • CO
  • 80921
 Web Servicemember
08/09/2014 Yes
  • Debt collection
  • Credit card
  • Improper contact or sharing of info
  • Talked to a third party about my debt
  • NC
  • 28083
 Web Older American
08/08/2014 Yes
  • Debt collection
  • Other (i.e. phone, health club, etc.)
  • Cont'd attempts collect debt not owed
  • Debt is not mine
  • NV
  • 89109
 Web
08/07/2014 Yes
  • Debt collection
  • Credit card
  • Communication tactics
  • Frequent or repeated calls
  • MI
  • 48103
 Web
08/04/2014 Yes
  • Debt collection
  • Credit card
  • Cont'd attempts collect debt not owed
  • Debt is not mine
  • FL
  • 33130
 Referral
07/29/2014 Yes
  • Debt collection
  • Credit card
  • Cont'd attempts collect debt not owed
  • Debt was paid
  • SD
  • 57003
 Web
07/28/2014 Yes
  • Debt collection
  • Auto
  • Communication tactics
  • Called after sent written cease of comm
  • CO
  • 80615
 Web
07/25/2014 Yes
  • Debt collection
  • Credit card
  • Communication tactics
  • Used obscene/profane/abusive language
  • MO
  • 63136
 Web
07/24/2014 Yes
  • Debt collection
  • Federal student loan
  • False statements or representation
  • Attempted to collect wrong amount
  • MO
  • 64133
 Web
07/22/2014 Yes
  • Debt collection
  • Other (i.e. phone, health club, etc.)
  • False statements or representation
  • Attempted to collect wrong amount
  • IL
  • 60643
 Phone
07/21/2014 Yes
  • Debt collection
  • I do not know
  • Disclosure verification of debt
  • Not disclosed as an attempt to collect
  • TX
  • 75024
 Web
07/19/2014 Yes
  • Debt collection
  • Federal student loan
  • False statements or representation
  • Attempted to collect wrong amount
  • VA
  • 20190
 Web
07/17/2014 Yes
  • Debt collection
  • I do not know
  • Cont'd attempts collect debt not owed
  • Debt is not mine
  • TX
  • 77005
 Web
07/15/2014 Yes
  • Debt collection
  • Credit card
  • Cont'd attempts collect debt not owed
  • Debt was paid
  • TX
  • 79912
 Web
07/15/2014 Yes
  • Debt collection
  • I do not know
  • Cont'd attempts collect debt not owed
  • Debt is not mine
  • NJ
  • 07401
 Web Older American, Servicemember
07/15/2014 Yes
  • Debt collection
  • I do not know
  • Cont'd attempts collect debt not owed
  • Debt is not mine
  • NY
  • 13035
 Postal mail
07/11/2014 Yes
  • Debt collection
  • I do not know
  • Communication tactics
  • Frequent or repeated calls
  • VA
  • 22079
 Web
07/10/2014 Yes
  • Debt collection
  • Federal student loan
  • Communication tactics
  • Threatened to take legal action
  • MD
  • 20782
 Web
07/09/2014 Yes
  • Debt collection
  • I do not know
  • Communication tactics
  • Frequent or repeated calls
  • NY
  • 11803
 Web
07/07/2014 Yes
  • Debt collection
  • Auto
  • Cont'd attempts collect debt not owed
  • Debt is not mine
  • RI
  • 02921
 Web
07/01/2014 Yes
  • Debt collection
  • Credit card
  • Improper contact or sharing of info
  • Talked to a third party about my debt
  • IL
  • 60120
 Postal mail Older American
07/01/2014 Yes
  • Debt collection
  • I do not know
  • Communication tactics
  • Called after sent written cease of comm
  • CT
  • 06461
 Web
06/27/2014 No
  • Debt collection
  • I do not know
  • Cont'd attempts collect debt not owed
  • Debt is not mine
  • MI
  • 48313
 Web Servicemember
06/26/2014 Yes
  • Debt collection
  • Federal student loan
  • Improper contact or sharing of info
  • Contacted employer after asked not to
  • NC
  • 28594
 Web
06/26/2014 Yes
  • Debt collection
  • Non-federal student loan
  • Communication tactics
  • Threatened to take legal action
  • OR
  • 97027
 Web
06/26/2014 Yes
  • Debt collection
  • Credit card
  • Cont'd attempts collect debt not owed
  • Debt was paid
  • OH
  • 44132
 Referral
06/24/2014 Yes
  • Debt collection
  • Federal student loan
  • Disclosure verification of debt
  • Right to dispute notice not received
  • CA
  • 91316
 Web
06/24/2014 No
  • Debt collection
  • Credit card
  • Improper contact or sharing of info
  • Talked to a third party about my debt
  • SC
  • 29607
 Web
06/23/2014 Yes
  • Debt collection
  • I do not know
  • Cont'd attempts collect debt not owed
  • Debt was paid
  • FL
  • 34688
 Web
06/18/2014 Yes
  • Debt collection
  • I do not know
  • Cont'd attempts collect debt not owed
  • Debt is not mine
  • TX
  • 77656
 Phone
06/17/2014 Yes
  • Debt collection
  • Medical
  • Disclosure verification of debt
  • Not given enough info to verify debt
  • MS
  • 39157
 Web
06/16/2014 Yes
  • Debt collection
  • Non-federal student loan
  • Improper contact or sharing of info
  • Talked to a third party about my debt
  • NY
  • 11951
 Web
06/13/2014 Yes
  • Debt collection
  • Non-federal student loan
  • Communication tactics
  • Called outside of 8am-9pm
  • OK
  • 73651
 Web Servicemember
06/12/2014 Yes
  • Debt collection
  • I do not know
  • Cont'd attempts collect debt not owed
  • Debt is not mine
  • OR
  • 97206
 Web
06/10/2014 Yes
  • Debt collection
  • Non-federal student loan
  • Taking/threatening an illegal action
  • Attempted to/Collected exempt funds
  • TX
  • 75048
 Referral
06/09/2014 Yes
  • Debt collection
  • Credit card
  • Communication tactics
  • Frequent or repeated calls
  • OR
  • 97378
 Web
06/04/2014 Yes
  • Debt collection
  • Payday loan
  • Disclosure verification of debt
  • Not disclosed as an attempt to collect
  • TX
  • 78504
 Web
06/03/2014 Yes
  • Debt collection
  • Other (i.e. phone, health club, etc.)
  • Cont'd attempts collect debt not owed
  • Debt is not mine
  • FL
  • 33612
 Web
06/02/2014 Yes
  • Debt collection
  • Federal student loan
  • Improper contact or sharing of info
  • Contacted employer after asked not to
  • TX
  • 75068
 Web
05/31/2014 Yes
  • Debt collection
  • Credit card
  • Cont'd attempts collect debt not owed
  • Debt was paid
  • GA
  • 30281
 Web
05/26/2014 Yes
  • Debt collection
  • Federal student loan
  • Communication tactics
  • Frequent or repeated calls
  • FL
  • 32244
 Web Servicemember
05/23/2014 Yes
  • Debt collection
  • Other (i.e. phone, health club, etc.)
  • Cont'd attempts collect debt not owed
  • Debt is not mine
  • OR
  • 97405
 Web
05/22/2014 Yes
  • Debt collection
  • Federal student loan
  • Cont'd attempts collect debt not owed
  • Debt is not mine
  • OR
  • 97222
 Web
05/21/2014 No
  • Debt collection
  • Credit card
  • Communication tactics
  • Frequent or repeated calls
  • VA
  • 23851
 Web
05/21/2014 Yes
  • Debt collection
  • Credit card
  • Taking/threatening an illegal action
  • Sued w/o proper notification of suit
  • KY
  • 42420
 Web
05/16/2014 Yes
  • Debt collection
  • Credit card
  • Improper contact or sharing of info
  • Contacted me after I asked not to
  • NC
  • 28273
 Web
05/15/2014 Yes
  • Debt collection
  • Credit card
  • Communication tactics
  • Frequent or repeated calls
  • KS
  • 66211
 Web
05/15/2014 Yes
  • Debt collection
  • Federal student loan
  • Improper contact or sharing of info
  • Contacted employer after asked not to
  • FL
  • 33173
 Web Servicemember
05/13/2014 Yes
  • Debt collection
  • I do not know
  • Cont'd attempts collect debt not owed
  • Debt is not mine
  • IL
  • 90221
 Postal mail
05/11/2014 Yes
  • Debt collection
  • Federal student loan
  • Cont'd attempts collect debt not owed
  • Debt was paid
  • FL
  • 32233
 Web Older American, Servicemember
05/10/2014 Yes
  • Debt collection
  • I do not know
  • Communication tactics
  • Frequent or repeated calls
  • CA
  • 93012
 Web
05/09/2014 Yes
  • Debt collection
  • Credit card
  • Communication tactics
  • Frequent or repeated calls
  • TX
  • 78232
 Web
05/09/2014 Yes
  • Debt collection
  • I do not know
  • Cont'd attempts collect debt not owed
  • Debt is not mine
  • FL
  • 34219
 Web Servicemember
05/07/2014 Yes
  • Debt collection
  • Other (i.e. phone, health club, etc.)
  • Cont'd attempts collect debt not owed
  • Debt was paid
  • WA
  • 98402
 Web
05/07/2014 Yes
  • Debt collection
  • Other (i.e. phone, health club, etc.)
  • Cont'd attempts collect debt not owed
  • Debt was discharged in bankruptcy
  • WA
  • 98277
 Web Servicemember
05/02/2014 Yes
  • Debt collection
  • I do not know
  • Improper contact or sharing of info
  • Contacted employer after asked not to
  • PA
  • 15005
 Web
04/30/2014 Yes
  • Debt collection
  • Other (i.e. phone, health club, etc.)
  • Disclosure verification of debt
  • Not given enough info to verify debt
  • FL
  • 32828
 Web
04/30/2014 Yes
  • Debt collection
  • Credit card
  • Communication tactics
  • Frequent or repeated calls
  • FL
  • 34106
 Web Older American
04/29/2014 Yes
  • Debt collection
  • I do not know
  • Cont'd attempts collect debt not owed
  • Debt is not mine
  • NY
  • 11050
 Web
04/29/2014 Yes
  • Debt collection
  • Credit card
  • Taking/threatening an illegal action
  • Threatened to sue on too old debt
  • CA
  • 90630
 Web
04/28/2014 Yes
  • Student loan
  • Non-federal student loan
  • Dealing with my lender or servicer
  • Need information about my balance/terms
  • TX
  • 75086
 Web
04/28/2014 Yes
  • Debt collection
  • Federal student loan
  • Communication tactics
  • Frequent or repeated calls
  • GA
  • 30083
 Web
04/27/2014 Yes
  • Student loan
  • Non-federal student loan
  • Dealing with my lender or servicer
  • Keep getting calls about my loan
  • FL
  • 33029
 Web
04/25/2014 Yes
  • Debt collection
  • Credit card
  • Improper contact or sharing of info
  • Contacted employer after asked not to
  • UT
  • 84081
 Web Servicemember
04/24/2014 Yes
  • Debt collection
  • Payday loan
  • Improper contact or sharing of info
  • Talked to a third party about my debt
  • AZ
  • 85017
 Web
04/24/2014 Yes
  • Debt collection
  • Credit card
  • Communication tactics
  • Frequent or repeated calls
  • NJ
  • 07762
 Web
04/23/2014 Yes
  • Debt collection
  • Federal student loan
  • Cont'd attempts collect debt not owed
  • Debt was paid
  • MS
  • 38732
 Web
04/22/2014 Yes
  • Debt collection
  • Non-federal student loan
  • Improper contact or sharing of info
  • Contacted employer after asked not to
  • NC
  • 27587
 Web
04/21/2014 Yes
  • Debt collection
  • Federal student loan
  • Communication tactics
  • Frequent or repeated calls
  • CA
  • 90036
 Web
04/17/2014 Yes
  • Debt collection
  • Federal student loan
  • Communication tactics
  • Frequent or repeated calls
  • CA
  • 93301
 Web
04/16/2014 Yes
  • Debt collection
  • I do not know
  • Communication tactics
  • Frequent or repeated calls
  • VA
  • 24018
 Web
04/15/2014 Yes
  • Debt collection
  • Credit card
  • Disclosure verification of debt
  • Not given enough info to verify debt
  • FL
  • 33559
 Web
04/15/2014 Yes
  • Debt collection
  • Auto
  • Disclosure verification of debt
  • Not given enough info to verify debt
  • FL
  • 33559
 Web
04/10/2014 Yes
  • Debt collection
  • Other (i.e. phone, health club, etc.)
  • Improper contact or sharing of info
  • Contacted me after I asked not to
  • OK
  • 74019
 Web
04/08/2014 Yes
  • Debt collection
  • Other (i.e. phone, health club, etc.)
  • Communication tactics
  • Called outside of 8am-9pm
  • TX
  • 79912
 Web Older American, Servicemember
04/04/2014 Yes
  • Debt collection
  • I do not know
  • Disclosure verification of debt
  • Right to dispute notice not received
  • IN
  • 46036
 Phone
04/03/2014 Yes
  • Debt collection
  • Credit card
  • False statements or representation
  • Indicated committed crime not paying
  • NJ
  • 08876
 Web
04/02/2014 Yes
  • Debt collection
  • Federal student loan
  • False statements or representation
  • Impersonated an attorney or official
  • IL
  • 60302
 Web
04/02/2014 Yes
  • Debt collection
  • I do not know
  • Communication tactics
  • Frequent or repeated calls
  • ME
  • 04015
 Web
03/28/2014 Yes
  • Debt collection
  • Federal student loan
  • Cont'd attempts collect debt not owed
  • Debt is not mine
  • CA
  • 91501
 Phone
03/27/2014 No
  • Debt collection
  • Other (i.e. phone, health club, etc.)
  • Disclosure verification of debt
  • Not given enough info to verify debt
  • NY
  • 10452
 Referral
03/26/2014 Yes
  • Debt collection
  • Credit card
  • Communication tactics
  • Frequent or repeated calls
  • OH
  • 43232
 Web
03/25/2014 Yes
  • Debt collection
  • Credit card
  • Communication tactics
  • Frequent or repeated calls
  • SD
  • 57532
 Phone
03/25/2014 Yes
  • Student loan
  • Non-federal student loan
  • Can't repay my loan
  • Can't decrease my monthly payments
  • AZ
  • 85041
 Web
03/25/2014 Yes
  • Debt collection
  • Other (i.e. phone, health club, etc.)
  • Cont'd attempts collect debt not owed
  • Debt was paid
  • VA
  • 24141
 Web
03/25/2014 Yes
  • Debt collection
  • Federal student loan
  • False statements or representation
  • Attempted to collect wrong amount
  • AL
  • 35244
 Web
03/25/2014 Yes
  • Debt collection
  • I do not know
  • Communication tactics
  • Frequent or repeated calls
  • TN
  • 38135
 Web
03/21/2014 Yes
  • Debt collection
  • I do not know
  • Cont'd attempts collect debt not owed
  • Debt is not mine
  • PA
  • 18976
 Web
03/20/2014 Yes
  • Debt collection
  • Federal student loan
  • Improper contact or sharing of info
  • Contacted employer after asked not to
  • PA
  • 16505
 Web
03/18/2014 Yes
  • Debt collection
  • Non-federal student loan
  • Communication tactics
  • Threatened to take legal action
  • MS
  • 38879
 Postal mail
03/15/2014 Yes
  • Debt collection
  • Other (i.e. phone, health club, etc.)
  • Cont'd attempts collect debt not owed
  • Debt was paid
  • FL
  • 33063
 Postal mail
03/15/2014 Yes
  • Debt collection
  • I do not know
  • Cont'd attempts collect debt not owed
  • Debt is not mine
  • CA
  • 91709
 Web
03/11/2014 Yes
  • Debt collection
  • Other (i.e. phone, health club, etc.)
  • Cont'd attempts collect debt not owed
  • Debt was paid
  • AL
  • 35071
 Web Servicemember
03/08/2014 Yes
  • Debt collection
  • Federal student loan
  • Cont'd attempts collect debt not owed
  • Debt is not mine
  • OH
  • 43123
 Web
03/07/2014 Yes
  • Debt collection
  • Non-federal student loan
  • Communication tactics
  • Frequent or repeated calls
  • UT
  • 84157
 Web
03/04/2014 Yes
  • Debt collection
  • Federal student loan
  • Communication tactics
  • Frequent or repeated calls
  • KS
  • 66047
 Web
02/28/2014 Yes
  • Debt collection
  • Credit card
  • False statements or representation
  • Impersonated an attorney or official
  • IA
  • 50265
 Web
02/28/2014 Yes
  • Debt collection
  • Federal student loan
  • False statements or representation
  • Attempted to collect wrong amount
  • AZ
  • 85285
 Web
02/28/2014 No
  • Debt collection
  • Credit card
  • Communication tactics
  • Frequent or repeated calls
  • FL
  • 33321
 Web
02/27/2014 Yes
  • Debt collection
  • I do not know
  • False statements or representation
  • Attempted to collect wrong amount
  • MI
  • 48158
 Web Older American
02/25/2014 Yes
  • Debt collection
  • Credit card
  • Communication tactics
  • Frequent or repeated calls
  • NJ
  • 07461
 Web Servicemember
02/25/2014 Yes
  • Debt collection
  • Credit card
  • Improper contact or sharing of info
  • Talked to a third party about my debt
  • IL
  • 60046
 Web
02/21/2014 Yes
  • Debt collection
  • Non-federal student loan
  • Cont'd attempts collect debt not owed
  • Debt was discharged in bankruptcy
  • RI
  • 02852
 Web Older American
02/20/2014 Yes
  • Debt collection
  • Credit card
  • Disclosure verification of debt
  • Not given enough info to verify debt
  • FL
  • 32129
 Referral
02/18/2014 Yes
  • Debt collection
  • Credit card
  • Communication tactics
  • Threatened to take legal action
  • PA
  • 19154
 Phone
02/12/2014 Yes
  • Debt collection
  • I do not know
  • Improper contact or sharing of info
  • Contacted employer after asked not to
  • AZ
  • 85233
 Web
02/11/2014 Yes
  • Debt collection
  • I do not know
  • False statements or representation
  • Impersonated an attorney or official
  • CO
  • 80816
 Web
02/10/2014 Yes
  • Debt collection
  • I do not know
  • Cont'd attempts collect debt not owed
  • Debt is not mine
  • FL
  • 32803
 Web
02/10/2014 Yes
  • Debt collection
  • Other (i.e. phone, health club, etc.)
  • Cont'd attempts collect debt not owed
  • Debt is not mine
  • MA
  • 02721
 Phone Servicemember
02/10/2014 Yes
  • Debt collection
  • Non-federal student loan
  • Communication tactics
  • Frequent or repeated calls
  • GA
  • 30153
 Web Servicemember
02/06/2014 Yes
  • Debt collection
  • I do not know
  • Communication tactics
  • Frequent or repeated calls
  • MA
  • 02360
 Web
01/31/2014 Yes
  • Student loan
  • Non-federal student loan
  • Dealing with my lender or servicer
  • Having problems with customer service
  • KS
  • 66111
 Web
01/30/2014 Yes
  • Debt collection
  • I do not know
  • Cont'd attempts collect debt not owed
  • Debt is not mine
  • NC
  • 28112
 Web
01/30/2014 Yes
  • Debt collection
  • Federal student loan
  • False statements or representation
  • Attempted to collect wrong amount
  • MD
  • 21225
 Referral
01/28/2014 Yes
  • Debt collection
  • Federal student loan
  • Communication tactics
  • Frequent or repeated calls
  • TX
  • 75077
 Web
01/28/2014 Yes
  • Debt collection
  • I do not know
  • Communication tactics
  • Frequent or repeated calls
  • MN
  • 55125
 Web Servicemember
01/27/2014 Yes
  • Debt collection
  • Credit card
  • Disclosure verification of debt
  • Not given enough info to verify debt
  • MA
  • 01118
 Web
01/27/2014 Yes
  • Debt collection
  • Federal student loan
  • Improper contact or sharing of info
  • Contacted me after I asked not to
  • FL
  • 33020
 Phone
01/24/2014 Yes
  • Debt collection
  • I do not know
  • Cont'd attempts collect debt not owed
  • Debt is not mine
  • TX
  • 78641
 Web
01/22/2014 Yes
  • Debt collection
  • Auto
  • Cont'd attempts collect debt not owed
  • Debt was paid
  • WA
  • 98012
 Web
01/17/2014 Yes
  • Debt collection
  • Credit card
  • Disclosure verification of debt
  • Right to dispute notice not received
  • WA
  • 98405
 Web
01/16/2014 Yes
  • Debt collection
  • I do not know
  • Communication tactics
  • Frequent or repeated calls
  • NC
  • 28803
 Web
01/15/2014 Yes
  • Debt collection
  • Credit card
  • Taking/threatening an illegal action
  • Attempted to/Collected exempt funds
  • MA
  • 01527
 Web
01/14/2014 Yes
  • Debt collection
  • Credit card
  • Disclosure verification of debt
  • Right to dispute notice not received
Phone Servicemember
01/10/2014 Yes
  • Debt collection
  • Auto
  • Cont'd attempts collect debt not owed
  • Debt is not mine
  • CA
  • 91602
 Web Older American
01/10/2014 Yes
  • Debt collection
  • I do not know
  • Disclosure verification of debt
  • Not given enough info to verify debt
  • NY
  • 10034
 Referral
01/10/2014 Yes
  • Debt collection
  • Federal student loan
  • Improper contact or sharing of info
  • Contacted employer after asked not to
  • CA
  • 91411
 Web
01/09/2014 Yes
  • Debt collection
  • Other (i.e. phone, health club, etc.)
  • Cont'd attempts collect debt not owed
  • Debt is not mine
  • AZ
  • 85013
 Referral
01/05/2014 Yes
  • Debt collection
  • Medical
  • False statements or representation
  • Attempted to collect wrong amount
  • TX
  • 77066
 Web
12/30/2013 Yes
  • Debt collection
  • Federal student loan
  • Communication tactics
  • Frequent or repeated calls
  • FL
  • 32305
 Postal mail Older American, Servicemember
12/30/2013 Yes
  • Debt collection
  • Credit card
  • Communication tactics
  • Frequent or repeated calls
  • MA
  • 01420
 Postal mail
12/30/2013 Yes
  • Debt collection
  • Credit card
  • Cont'd attempts collect debt not owed
  • Debt was discharged in bankruptcy
  • NC
  • 28115
 Web
12/30/2013 Yes
  • Debt collection
  • I do not know
  • Communication tactics
  • Frequent or repeated calls
  • NY
  • 11782
 Web
12/30/2013 Yes
  • Debt collection
  • Credit card
  • Improper contact or sharing of info
  • Talked to a third party about my debt
  • TN
  • 37920
 Web
12/26/2013 Yes
  • Debt collection
  • Other (i.e. phone, health club, etc.)
  • Improper contact or sharing of info
  • Contacted me after I asked not to
  • PA
  • 19446
 Web
12/23/2013 Yes
  • Debt collection
  • Credit card
  • False statements or representation
  • Attempted to collect wrong amount
  • ME
  • 04084
 Web Older American, Servicemember
12/20/2013 Yes
  • Debt collection
  • Non-federal student loan
  • Taking/threatening an illegal action
  • Seized/Attempted to seize property
  • VA
  • 23601
 Referral
12/20/2013 Yes
  • Student loan
  • Non-federal student loan
  • Can't repay my loan
  • Can't decrease my monthly payments
  • VA
  • 23601
 Referral
12/17/2013 Yes
  • Debt collection
  • Federal student loan
  • Improper contact or sharing of info
  • Talked to a third party about my debt
  • AZ
  • 85080
 Web
12/17/2013 Yes
  • Student loan
  • Non-federal student loan
  • Repaying your loan
  • KY
  • 40215
 Web
12/15/2013 Yes
  • Debt collection
  • I do not know
  • Improper contact or sharing of info
  • Contacted employer after asked not to
  • IL
  • 60510
 Web
12/11/2013 Yes
  • Debt collection
  • I do not know
  • Communication tactics
  • Frequent or repeated calls
  • FL
  • 32162
 Web Older American
12/11/2013 Yes
  • Debt collection
  • Credit card
  • Communication tactics
  • Frequent or repeated calls
  • OH
  • 43110
 Web
12/03/2013 Yes
  • Debt collection
  • Federal student loan
  • Communication tactics
  • Frequent or repeated calls
  • IN
  • 46222
 Web
12/02/2013 Yes
  • Debt collection
  • Non-federal student loan
  • Improper contact or sharing of info
  • Talked to a third party about my debt
  • UT
  • 84124
 Web
11/26/2013 Yes
  • Debt collection
  • Federal student loan
  • Communication tactics
  • Threatened to take legal action
  • MO
  • 64057
 Web
11/25/2013 Yes
  • Debt collection
  • Auto
  • Communication tactics
  • Frequent or repeated calls
  • CA
  • 93304
 Phone Older American
11/23/2013 Yes
  • Credit card
  • Other
  • IN
  • 47250
 Web
11/21/2013 Yes
  • Debt collection
  • Federal student loan
  • Communication tactics
  • Frequent or repeated calls
  • SC
  • 29016
 Web
11/20/2013 Yes
  • Debt collection
  • I do not know
  • Cont'd attempts collect debt not owed
  • Debt is not mine
  • ID
  • 83843
 Web
11/18/2013 Yes
  • Debt collection
  • Credit card
  • Cont'd attempts collect debt not owed
  • Debt was paid
  • KS
  • 66203
 Referral
11/18/2013 Yes
  • Debt collection
  • Credit card
  • Cont'd attempts collect debt not owed
  • Debt is not mine
  • PA
  • 18018
 Phone Older American
11/08/2013 Yes
  • Debt collection
  • Other (i.e. phone, health club, etc.)
  • Communication tactics
  • Threatened to take legal action
  • FL
  • 33012
 Web
11/05/2013 Yes
  • Debt collection
  • Auto
  • Cont'd attempts collect debt not owed
  • Debt was paid
  • FL
  • 33430
 Postal mail
11/01/2013 Yes
  • Debt collection
  • I do not know
  • Communication tactics
  • Threatened to take legal action
  • CA
  • 92104
 Web
10/31/2013 Yes
  • Debt collection
  • Federal student loan
  • Cont'd attempts collect debt not owed
  • Debt was paid
  • CA
  • 94131
 Referral
10/31/2013 Yes
  • Debt collection
  • Non-federal student loan
  • Cont'd attempts collect debt not owed
  • Debt is not mine
  • GA
  • 30349
 Referral
10/30/2013 Yes
  • Debt collection
  • I do not know
  • Communication tactics
  • Frequent or repeated calls
  • TX
  • 75092
 Web
10/28/2013 Yes
  • Debt collection
  • I do not know
  • Cont'd attempts collect debt not owed
  • Debt is not mine
  • AZ
  • 85128
 Phone Older American
10/28/2013 Yes
  • Debt collection
  • Other (i.e. phone, health club, etc.)
  • Cont'd attempts collect debt not owed
  • Debt is not mine
  • MD
  • 20774
 Web
10/26/2013 Yes
  • Debt collection
  • Federal student loan
  • Communication tactics
  • Called after sent written cease of comm
  • FL
  • 32807
 Web
10/24/2013 Yes
  • Debt collection
  • Other (i.e. phone, health club, etc.)
  • Cont'd attempts collect debt not owed
  • Debt was paid
  • WI
  • 53214
 Referral
10/24/2013 Yes
  • Debt collection
  • I do not know
  • Taking/threatening an illegal action
  • Threatened arrest/jail if do not pay
  • CA
  • 90712
 Web
10/24/2013 Yes
  • Debt collection
  • Credit card
  • Improper contact or sharing of info
  • Talked to a third party about my debt
  • CA
  • 90005
 Web
10/22/2013 Yes
  • Debt collection
  • I do not know
  • Communication tactics
  • Called after sent written cease of comm
  • NY
  • 11361
 Web
10/19/2013 Yes
  • Debt collection
  • I do not know
  • False statements or representation
  • Attempted to collect wrong amount
  • MI
  • 48455
 Web
10/18/2013 Yes
  • Debt collection
  • Credit card
  • False statements or representation
  • Indicated committed crime not paying
  • NY
  • 12010
 Web
10/06/2013 Yes
  • Debt collection
  • I do not know
  • Cont'd attempts collect debt not owed
  • Debt was discharged in bankruptcy
  • NY
  • 13069
 Web
09/30/2013 Yes
  • Debt collection
  • Credit card
  • Communication tactics
  • Frequent or repeated calls
  • CO
  • 80231
 Postal mail
09/27/2013 Yes
  • Debt collection
  • Medical
  • Improper contact or sharing of info
  • Contacted employer after asked not to
  • MN
  • 55408
 Phone
09/20/2013 Yes
  • Debt collection
  • Credit card
  • Disclosure verification of debt
  • Not disclosed as an attempt to collect
  • IN
  • 47250
 Web
09/20/2013 Yes
  • Debt collection
  • Other (i.e. phone, health club, etc.)
  • False statements or representation
  • Attempted to collect wrong amount
  • OK
  • 73071
 Web
09/12/2013 Yes
  • Debt collection
  • Other (i.e. phone, health club, etc.)
  • Communication tactics
  • Frequent or repeated calls
  • FL
  • 33155
 Phone
09/09/2013 Yes
  • Debt collection
  • Other (i.e. phone, health club, etc.)
  • Communication tactics
  • Used obscene/profane/abusive language
  • MI
  • 48323
 Web
09/06/2013 Yes
  • Debt collection
  • I do not know
  • Cont'd attempts collect debt not owed
  • Debt is not mine
  • NJ
  • 07105
 Referral
09/06/2013 Yes
  • Debt collection
  • I do not know
  • Cont'd attempts collect debt not owed
  • Debt is not mine
  • FL
  • 33020
 Web Older American
09/05/2013 Yes
  • Debt collection
  • Credit card
  • Disclosure verification of debt
  • Not given enough info to verify debt
  • CA
  • 94706
 Referral
09/04/2013 Yes
  • Debt collection
  • Credit card
  • Communication tactics
  • Threatened to take legal action
  • IL
  • 62223
 Postal mail Older American
08/26/2013 Yes
  • Debt collection
  • Credit card
  • False statements or representation
  • Attempted to collect wrong amount
  • RI
  • 02860
 Phone
08/26/2013 Yes
  • Debt collection
  • I do not know
  • Cont'd attempts collect debt not owed
  • Debt is not mine
  • NY
  • 11710
 Web
08/23/2013 Yes
  • Debt collection
  • Credit card
  • Communication tactics
  • Frequent or repeated calls
  • NJ
  • 08759
 Web
08/17/2013 Yes
  • Debt collection
  • I do not know
  • Cont'd attempts collect debt not owed
  • Debt is not mine
  • IL
  • 60625
 Referral
08/13/2013 Yes
  • Debt collection
  • Federal student loan
  • Communication tactics
  • Called after sent written cease of comm
  • TN
  • 37076
 Web
08/08/2013 Yes
  • Debt collection
  • Federal student loan
  • Disclosure verification of debt
  • Not given enough info to verify debt
  • NY
  • 10036
 Web
08/03/2013 No
  • Debt collection
  • Credit card
  • Improper contact or sharing of info
  • Talked to a third party about my debt
  • AL
  • 35094
 Web
08/01/2013 Yes
  • Debt collection
  • Credit card
  • Improper contact or sharing of info
  • Talked to a third party about my debt
Phone
07/30/2013 No
  • Debt collection
  • Credit card
  • Cont'd attempts collect debt not owed
  • Debt is not mine
  • CA
  • 90230
 Web
07/30/2013 Yes
  • Debt collection
  • I do not know
  • Communication tactics
  • Frequent or repeated calls
  • PA
  • 19124
 Web
07/29/2013 No
  • Debt collection
  • I do not know
  • Disclosure verification of debt
  • Not given enough info to verify debt
  • VA
  • 23220
 Web
07/29/2013 No
  • Debt collection
  • Other (i.e. phone, health club, etc.)
  • Communication tactics
  • Frequent or repeated calls
  • OR
  • 97913
 Referral
07/25/2013 Yes
  • Debt collection
  • Federal student loan
  • False statements or representation
  • Attempted to collect wrong amount
  • OR
  • 97401
 Web
07/24/2013 No
  • Debt collection
  • I do not know
  • Cont'd attempts collect debt not owed
  • Debt is not mine
  • NY
  • 14062
 Web
07/24/2013 No
  • Debt collection
  • Credit card
  • Communication tactics
  • Frequent or repeated calls
  • CA
  • 95688
 Phone
07/23/2013 Yes
  • Debt collection
  • Other (i.e. phone, health club, etc.)
  • Communication tactics
  • Frequent or repeated calls
  • TX
  • 75407
 Phone Servicemember
07/22/2013 Yes
  • Debt collection
  • Federal student loan
  • Communication tactics
  • Frequent or repeated calls
  • MO
  • 64012
 Web Servicemember
07/18/2013 Yes
  • Debt collection
  • I do not know
  • Disclosure verification of debt
  • Not given enough info to verify debt
  • CA
  • 90804
 Referral
07/18/2013 No
  • Debt collection
  • Credit card
  • Disclosure verification of debt
  • Right to dispute notice not received
  • MA
  • 02760
 Referral
07/17/2013 No
  • Debt collection
  • Other (i.e. phone, health club, etc.)
  • Communication tactics
  • Frequent or repeated calls
  • FL
  • 33076
 Phone
07/14/2013 Yes
  • Debt collection
  • I do not know
  • Cont'd attempts collect debt not owed
  • Debt was paid
  • LA
  • 70769
 Web
07/11/2013 Yes
  • Mortgage
  • Other mortgage
  • Loan modification,collection,foreclosure
  • MA
  • 20119
 Referral