| 03/01/2022 |
Yes |
- Debt collection
- Credit card debt
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- Attempts to collect debt not owed
- Debt was result of identity theft
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Web |
Servicemember |
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The following is my initial complaint in reference to CKS XXXX a company that Velocity Investments uses to collect a debt.
On XX/XX/XXXX I received a phone call from CKS XXXX XXXX XXXX on behalf of their current creditor Velocity Investments LLC, and original account XXXX, in reference to a credit card/loan ( I am still unsure what kind of debt ). The first representative ( who called ), XXXX ID # XXXX, automatically demanded that I pay the debt and became very argumentative. I told her I was not familiar with the debt and requested they provide me with paperwork in reference to the debt. She refused to send any paperwork and would barely allow me to speak. I asked for a manager, which I spoke with XXXX ID # XXXX, who actually listened and I advised I was not familiar with the debt. I did again asked for paperwork and she advised she would dispute the account, as I was telling them it was not my debt. She did state that they had my address as living in Indiana, which I advised further proved that the debt did not belong to me, as I have lived in GA since XXXX. I also informed her I have had issues with my information being stolen in the past, which is why I currently pay for credit monitoring service and I have a fraud alert on my credit account, through XXXX. She never answered my request for documentation, but only provided me with their account number of XXXX. I thought the issue had been resolved, but Friday, XX/XX/XXXX, I received a letter from CKS Financial advising of the debt yet again. This surprised me as I thought everything had been resolved. On Monday, XX/XX/XXXX at XXXX P.M., I called CKS Financial ( XXXX ) and initially spoke with XXXX XXXX, who again requested a payment and when I advised her that my information had been stolen, she transferred me to her manager. The manager did provide me with her name, but I was too slow to write down the name, when I asked for the name the manager refused to give me her name or ID number. Stating " I already gave you my name, I do not have to tell it to you again. '' This manager was very disrespectful and argumentative, to such a degree that she made snarky comments and sounds. I advised her she was being disrespectful and all she would say was " that is how you see it, but I do not think that I am. '' While I continued to request for her information, I also advised I would file a police report, in reference to my information being stolen. I asked if this would help them, which she refused to answer my question. I asked what else I needed to do to prove that the debt was not mine, which she stated " I don't know, do what you have to do. '' Baffled with this answer and her increase level of disrespect, I did commence to lose my patience but I was never disrespectful or raised my voice. Also, her increased level of disrespect occurred when I refused to advise or confirm who my employer is. As I was still talking, she heavily tried for me to hang up the phone and when I refused, as I was trying to understand the process and obtain answers to my questions, she transferred me back to XXXX XXXX. I asked why the manager had transferred me back, and XXXX XXXX stated she could not answer the question. I asked if the police report would help the, which she also stated that she was unsure. When I asked what I needed to do to prove that the debt was not mine, I was advised by XXXX XXXX " I truly believe the debt is not yours, but maybe you know who opened the account in your name. '' I advised her that I did not know who did such a things, which is why I was speaking to all of these representatives via phone. I asked for documentation of the debt to provide as part of my complaints and police report, which I was told they would not provide me with any paperwork, as they do not have to by law. I also asked for the managers information, but was told she would not provide me with that information, but that she only had one manager and everyone would know who her manager was. Since speaking and obtaining no help from CKS Financial, I filed a police report with the jurisdiction I reside in, XXXX XXXX, Georgia. The case number is XXXX. I will be attaching the document to this complaint.
The following is their response : Thank you for the recent notification of the complaint filed by XXXX XXXX. CKS Financial appreciates the opportunity to respond to their concerns. Upon notice of the complaint, a member of our Compliance Team conducted an investigation into the allegations. The result of that investigation and our response follows. Our investigation included a review all outbound and inbound calls. CKS does not take lightly, the complaint of unprofessional behavior by any of our representatives. In response to this concern, we will use this complaint as an opportunity to reinforce to our representatives the importance of treating all customers with courtesy and respect. Please also be advised the account in question has been reported as under dispute. Unfortunately, without sufficient evidence provided to us to substantiate your ID theft claim we are unable to investigate further. If you provide the requested documents below to support your identity theft claim, we will reinvestigate when that information is provided. 1. A copy of your social security card, or a document/statement revealing your social security number. 2. A copy of your identification card or drivers license which provides your full name, address, and date of birth ; and/or 3. An Affidavit of fraud or a signed identity theft report filed with the Federal Trade Commission at XXXX We invite XXXX XXXX to contact a member of our Compliance Team, if there are any questions. A member of our Compliance Team is available Monday through Friday from XXXX a.m. to XXXX p.m. Eastern Standard time and can be reached directly at XXXX or at XXXX ***What I understand is that they want an additional report, which I obtained through the Federal Trade Commision for Identity Theft case number XXXX. I will be attaching both the police report and the FTC report. Both agencies have verified my identity and that I am a victim. *** The following is XXXX 's response : Hi XXXX, Thank you for reaching out and bringing your concerns to our attention. XXXX XXXX XXXX handles all complaints seriously and understands that you are not satisfied with our application process. We take the concerns of our customers seriously, and when we do not meet your expectations we want to and are grateful to hear from you. Your XXXX loan, XXXX, has been sold to Velocity Investments , LLC and is no longer being servicing by XXXX as of XX/XX/XXXX. Any correspondence related to the servicing or collection of this account after XX/XX/XXXX, was not made on the behalf of XXXX. Any payments sent before XX/XX/XXXX, will be applied towards the debt balance. Any future scheduled payments to XXXX have been canceled. Please reference the information below for more details on your account history : Loan ID : XXXX Charge off date : XX/XX/XXXX Charge off balance : XXXX Current balance : XXXX Please reach out to Velocity Investments , LLC to establish new payment arrangements and for any questions or concerns regarding your loan. Velocity Investments contact information is as follows : Velocity Investments , LLC XXXX XXXX XXXX XXXX NJ XXXX Phone : ( XXXX ) XXXX Email : XXXX XXXX XXXX XXXX strives to provide the most accessible and comfortable loan experience for our borrowers. If you ever have any questions or concerns, please do not hesitate to give us a call at XXXX or send us an email at XXXX. Sincerely, XXXX XXXX XXXX Compliance Team Please advise what else do I need to do to prove to you all, without me having to contact Legal Aid. Thank you.
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| 03/27/2021 |
Yes |
- Debt collection
- Other debt
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- Attempts to collect debt not owed
- Debt was result of identity theft
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Web |
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Legal Department, I am a victim of identity-theft. I am writing to request that you block all the following fraudulent accounts in my files with XXXX, XXXX, and XXXX. This information does not relate to any transactions I made. I did not authorize anyone to use my personal information. I hereby exercise my legal rights enacted by Congress and The Federal Trade Commission, which explicitly states when a victim files an affidavit it shall be honored by all credit bureaus and all fraudulent information must be blocked within 4 days and proper notification shall be given to all furnishers pursuant to section 605b of The Federal Fair Credit Reporting Act.
Failure to comply shall lead to complaints being filed with The Better Business Bureau, Consumer Financial Protection Bureau, and Attorney General with legal action of your companys unlawful collection practices, misrepresentation of reporting inaccurate debts, and noncompliance to adhere to laws enacted to help who are victims of identity-theft. I request that an extend fraud alert be placed in my file explaining that fraudulent applications may be submitted in my name. Do not extend credit without first contacting me personally and verifying all applications.
Furthermore, as victim of identity-theft I received notification that my personal information was compromise in the several different data breaches. It has made it difficult to resolve this matter in a timely fashion. I have made several attempts to resolve this. If action is not taken to properly assist me with this matter within 15 days.
I shall file a class action lawsuit for violating the FCRA and FDCPA violations are as follows not limited to reporting inaccurate information, reporting information that resulted from crime ( s ) and/or crime ( s ) of identity-theft, unlawfully collections of debt, calling after designated hours by law, defamation of character, and misrepresentation of true credit worthiness. I ask that all fraudulent information listed below be removed without question. I have fraudulent accounts, employers, misspellings of my name, and address that are associated with crimes that were committed against me.
Once deleting all fraudulent information, you acknowledge that it is indeed fraudulent and resulted from crimes of identity-theft. By doing so you adhere to the FCRA that make it unlawful of any, some, or all information to be transferred, sold to another collection agency or reinserted one 's credit report once it is deemed as fraudulent. You also understand in order to reinsert information to a consumers credit report notification must be given 5 days prior to reinsertion. Failure to comply will also be a violation of the Federal Fair Credit Reporting Act and Fair Debt Collection Practice.
The below-listed accounts by the Original Creditors, who have reported these accounts within my credit reports, were not opened by me. I also did not give my authorization for anyone else to open these accounts. Someone else of who did these that I did not know.
Policy states.
According to the Fair Credit Reporting Act FCRA 611 ( 15 U.S.C 1681 ), Procedure In Case of Disputed Accuracy.
( a ) Reinvestigation ( 1 ) Reinvestigation ( a ) In general. Subject to Subsection ( f ), if the completeness or accuracy of any item of information contained in a consumers file at a consumer agency is disputed by the consumer and the consumer notifies the agency directly, or indirectly through a reseller, of a such dispute, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller.
Therefore, my position is being clearly stated, these accounts do not belong to me, meaning that you are reporting inaccurate account information within my credit file. The fact that these are inaccurate account information means that you, this credit-reporting agency, are reporting incorrect accounts.
Finally, you are reporting the INQUIRIES that are the result of the same type of fraudulent activities. It must be noted that I did not apply for credit accounts with the below-listed companies and creditors, some of these are the result of attempts to open accounts, but the companies did not approve the accounts.
Therefore, these inquiries must be deleted from within my credit file. You can not delete the fraudulently opened accounts without also deleting the fraudulent inquiries.
It should be noted that an inquiry that was not made by me is not a factual record, just as a fraudulently opened account is not a factual record and not referred to the creditor to be disputed directly with them. The credit reporting agencies have attempted to address an inquiry as a factual record of file access, but if it was done through fraudulent means, it is not a factual record. As a consumer I should not be required to dispute each fraudulent inquiry directly with each company. These inquiries are the result of fraudulent activity and therefore, inaccurate in which the credit reporting agencies or the creditors can not verify, meaning that these inquiries are unverifiable information and must be deleted from out go my credit files.
1. CKS PRIME INVESTMENTS, L bal. {$590.00} I am well aware of my rights as a consumer. The Fair Credit Reporting Act requires that you, the credit-reporting agency report accurate and/or correct account information within my credit file. My credit issues are very specific, these accounts and/or items do not belong to me. This means that you are reporting incorrect account information within my credit report. It is this in mind that I request that these listed accounts and items be Blocked and Deleted.
According to the Fair Credit Reporting Act FCRA, Section 1681c ( 2 ) Block of information resulting from identity-theft.
1.Block. Except as otherwise provided in this section, a consumer reporting shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity-theft, not later than four ( 4 ) business days after the date receipt by such agency of 1. Appropriate proof of identity of the consumer ; 2. A copy of an identity theft report 3. The identification of such information by the consumer ; and 4. A statement by the consumer that the information relating to the transaction by the consumer.
I have provided all of the above listed four ( 4 ) items within this package. Therefore, I expect these listed accounts to be deleted and blocked within ( 4 ) business days. This is clearly an identity theft issue. I am also entitled to receive a free copy of my credit report, so I am requesting a free credit report and that all of these accounts, public records items, and inquiries be permanently blocked and deleted.
Enclosures : Identity Theft Report Proof of Identity Copy of Account Statement showing Fraudulent Items FTC Notice to Furnishers
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| 08/27/2022 |
Yes |
- Debt collection
- Other debt
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- Attempts to collect debt not owed
- Debt is not yours
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Web |
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XXXX XXXX XXXX XXXX XXXX XXXX, PA XXXX XX/XX/2022 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, SC XXXX RE : FORMAL DEBT VALIDATION COMPLAINT- To Whom It May Concern, I am sending you a letter to formally advise you that VELOCITY INVESTMENTS LLC has violated my consumer rights in the following ways.
Specifically, you : VELOCITY INVESTMENTS LLC ( {$1200.00} ) you are in Violation of reporting inaccurate accounts without completing a full investigation. Reporting inaccurate accounts that are charged off and not mine-FCRA VIOLATION -Failed to validate a debt at my request- FDCPA VIOLATION -Continued to report a disputed debt to the CRA- FCRA VIOLATION -Continued to attempt to collect a disputed debt- FDCPA VIOLATION -Reporting a charged off account with a balance- FCRA VIOLATION -Ignored my request for proof of my signature-FDCPA VIOLATION Not only have you ignored my prior request for Validation of Debt, but you also continue to report this charge off account with a balance causing damage to my character. I AM NOT ASKING FOR A COPY OF A BILL OR SUMMARY! Please provide full proof of this debt including MY SIGNATURE binding me to this debt that you claim belongs to me and that I owe. This letter will request that you follow guidelines of The Fair Debt Collection Practices ( FDCPA ), 15 U.S.C. & 1692 and please provide the following : VALIDATION OF DEBT REQUEST -PROOF OF THE CREDITORS RIGHT TO OWN/COLLECT THIS ALLEGED DEBT- BALANCE CLAIMED INCLUDING ALL FEES, INTEREST AND PENALTIES -CONTRACT BEARING MY PERSONAL SIGNATURE- LICENSE PROOF OF THE CREDITOR TO COLLECT DEBT IN MY STATE As you are certainly aware, Admission by Silence means that you had a legal duty to defend your position but failed to do so and if my claims were untrue, you would have been compelled to deny my charges. I will use the Admission of Silence in my defense should I be summoned to court or act against you. I expect to receive the proof I requested above, within 15 days of this letter. Should you continue to ignore my request for this validation letter including proof of my signature, you are in direct violations of my consumer rights as indicated under both the FDCPA and the FCRA. I advise you to delete this account from all credit bureaus. Each Agency is reporting different days, times, absurd comments I have never made, reporting a balance on charged off accounts which is a FCRA violation, and your report lacks complete accuracy. A lot of those accounts I have no knowledge of. This is not professional at all, and it is against the law to report incorrect information. The following accounts I want validated legally : 1. UNAUTHORIZED INQUIRY FROM XXXX- PLEASE DELETE! YOU ARE DAMAGING MY CREDIT HEALTH DUE TO YOUR LAZINESS AND NEGLIGENCE! DO NOT send me a summary or a bill without my signed signature that bonds me to this debt. I have been a victim of Identity Theft and have been dealing with fraudulent debt for the past few years. The credit bureaus are aware of my Identity Theft as well. If you fail to follow the law, I will report you to XXXX. If this is not rectified in the correct manner. Per my lawyers request, I will sue you in court. I filed a complaint with Consumer Financial Protection Bureau as well. It is the law that you show my SIGNATURE bonding me to this debt you claim I owe. You have 15 days to take care of this mistake. 1.Please explain to me what your representatives uncovered to lead them to believe that you are reporting this item as it legally should be reported?
2.What certified documents were reviewed to conclude your investigation?
3.Please provide a complete copy of all of the information that was transmitted to the data furnisher as part of the investigation.
4.What did it cost your company to obtain the documents needed to complete your investigation?
5.Please provide proof of your timely procurement of certified documents.
6.Did you speak directly to any agent of the company that was reporting the information to confirm the accuracy of what you are reporting?
7.If yes to above : a. Who did you speak to?
b. On what date?
c. How long was the conversation?
d. What was their position?
e. What telephone number did you call?
14 f. What is the name of the employee of your company that spoke directly to the above party?
g. What is the position of the employee of your company that spoke directly to the above party?
h. How long has that employee been employed by your company?
i. What formal training was provided to this employee to investigate items of this kind?
j. Was there any e-mail or written communication between members of your company and the above party?
8.If so, please provide copies of all correspondence ; supply copies of any and all conclusive documentation to prove that you have in fact conducted a reasonable investigation of the account in question.
9.Provide the date of the commencement of delinquency 10.Provide the SPECIFIC date reporting that these items will cease Enclosed with your response to the above questions I respectfully request a notarized affidavit confirming the information that is provided is true and correct as per my civil rights granted under several federal laws. This information should not come as a form letter response.
My initial dispute was detailed and directly related to the account in question. A template response will not be an acceptable response. If you can not supply ALL of the above information in a timely manner as detailed in several laws, including but not limited to the Fair Credit Reporting Act, I must immediately demand the permanent removal of this item from my credit report.
These erroneous entries are detrimental to my overall credit rating and has caused me severe financial and emotional distress. If you choose not to provide the above requested deletion or requested/required documentation of your investigation, I will pursue the enforcements of my constitutional rights via federal court proceedings. As you are well aware this information will come out through my formal discovery process, and necessary depositions. I have recently studied constitutional consumer protection laws along with civil/federal court procedures. I will be represented by my lawyer pro-se and will formally request a jury trial.
Kind Regards, XXXX XXXX
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| 02/26/2022 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
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- Problem with a credit reporting company's investigation into an existing problem
- Their investigation did not fix an error on your report
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Web |
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I sold my home XX/XX/22. Thereafter, I realized my credit wasn't good. There were a few collection accounts I was unaware of due to an ex spouse. I started working on paying off those collections and other accounts that were hurting my credit. I needed to find a home to rent and I was repeatedly being denied because of my credit. So around XX/XX/22 I started paying off accounts that I knew were mine and if the balance wasn't big, I paid off other accounts I knew weren't mine and starting disputes. A major issue was/ still is my mortgage still being reported, even though it's paid in full. Since XX/XX/22 to current I've been disputing accounts that are 100 % paid in full and not questionable. There's literally nothing to investigate because I have either paid in full emails or letters directly from the lenders. After disputing my mortgage as being paid in full and closed by me, the day after the dispute concluded the account is accurate, suddenly the next day it showed I owed something like $ XXXX AND a late payment. This was about 4 weeks ago. My score dropped XXXX points in a day. I couldn't believe it, I had already been living in a motel for 2 weeks because no one would rent to me before this happened because my credit score was only XXXX. Now it is XXXX. I then disputed it again and uploaded official docs directly from lender, a paid in full letter along with my closing disclosures from the house sale. 2 weeks later, again, dispute denied. A week prior I received a official lien release satisfaction of instrument document from the lender and another paid in full letter. The day after this, the account then updated to close to $ XXXX past due and over 120 days late. I couldn't believe it, so I called XXXX and told them verbally the facts and the documents I have that prove my dispute. This time I upload the satisfaction of instrument, screenshots of my mortgage account that shows paid in full and {$0.00} balance. No late payments. Loan is was satisfied and closed. I also disputed another account I paid, XXXX XXXX, that I paid in full. I had already disputed this as being paid in full prior but the lender told me that it would be deleted. It wasn't my physical account in the first place, my ex spouse used the card. The dispute did change the status from past due to closed and paid in my favor, but I wanted it removed like agreed. So I disputed it again. This time, experian changed it from paid and closed back to {$560.00} past due and late!!! I'm waiting on what they will do with the latest mortgage dispute.
I have filed a complaint with the XXXX for XXXX XXXX ( the account in question ) due to the fact they are continuing to report lies on my credit apparently, unless this is experian doing the reporting themselves. Back Around XX/XX/22 I called XXXX XXXX to ask if they could report my mortgage as paid but they said they can't expedite the process of reporting the real status ( paid on full and closed ), and every time I dispute it, they report something even worse the next day after the dispute is closed in their favor.
I'm sick of it, i had to live in a hotel for a month because of this credit reporting agency and my old mortgage company, while I sit here with HARD EVIDENCE directly from these lenders proving what I am disputing is TRUE.
Something is fishy and I don't know why, but each time I dispute a PAID IN FULL CLOSED ACCOUNT, the dispute is denied and updated to even worse report than before. I've had it! I can't work on my credit when these companies are ruining it over accounts I am proving without doubt are paid in full.
I even have all the phone calls recorded. I have emails from these lenders/ collectors. Bank statementz. Legal documents and direct letters that were mailed to me from the lenders. There is no way that they can come to the conclusion that these accounts are open unless they are lying, really not investigating anything and doing their job, collusion between experian and these lenders, who knows but it's ruining my credit completely and they're doing nothing about it and they are purposely making it worse because they apparently haven't looked at any of the documents I have given them.
If these lenders are reporting to them that the accounts are open, I need to know. Because someone is about to get sued for ruining my credit by repeatedly lying and giving me the most difficult time finding a home to rent. The distress has been way too much to handle while I'm a single dad with a XXXX XXXX XXXX. Luckily I found a house to rent after a month living in a hotel, but if these Credit Agencies aren't going to really fix my credit and undo the damage that they did purposely for whatever reason they have, someone needs to answer and give a clear reason why they are reversing their own dispute decisions on a second dispute of the same account. Seriously, finding in one dispute that I paid it and it's closed and then in the next dispute reopening the account and now past due. I guarantee after my mortgage dispute, now the third dispute of same account, is going to show even worse than before. Thats been the clear pattern.
The funny thing is, this mortgage company actually owes me a refund. I don't owe them anything and they owe me like {$400.00} from escrow.
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| 11/22/2023 |
Yes |
- Debt collection
- Credit card debt
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- Written notification about debt
- Didn't receive enough information to verify debt
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Web |
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This company, CKS Prime Investments LLC has furnished a collection on my consumer report without providing me all the data to validate the debt first. This is part of the reason I am submitting this complaint today. They are attempting to collect on a debt transferred from XXXX XXXX XXXX XXXX XXXX XXXX with the account number XXXX and the balance being {$990.00}.
Under the FAIR DEBT COLLECTION PRACTICES ACT, I have the right to request and receive validation of the debt. Therefore, in order for me to validate this alleged debt, I am requesting the entire purchase agreement of this transferred contract/instrument be sent to me. I do not want just the bill of sale. Please send me the entire purchase agreement of this account or you will not be validating this alleged debt per my request. In addition to sending the entire purchase agreement, I am requesting the following items. Pursuant to 12 CFR 1006.34 please provide me with a copy of all the following : ( c ) Validation information. Pursuant to paragraph ( a ) ( 1 ) of this section, a debt collector must provide the following validation information. ( 1 ) Debt collector communication disclosure. The statement required by 1006.18 ( e ). ( 2 ) Information about the debt. Except as provided in paragraph ( c ) ( 5 ) of this section : ( i ) The debt collector 's name and the mailing address at which the debt collector accepts disputes and requests for original-creditor information. ( ii ) The consumer 's name and mailing address. ( iii ) If the debt collector is collecting a debt related to a consumer financial product or service as defined in 1006.2 ( f ), the name of the creditor to whom the debt was owed on the itemization date. ( iv ) The account number, if any, associated with the debt on the itemization date, or a truncated version of that number. ( v ) The name of the creditor to whom the debt currently is owed. ( vi ) The itemization date. ( vii ) The amount of the debt on the itemization date. ( viii ) An itemization of the current amount of the debt reflecting interest, fees, payments, and credits since the itemization date. A debt collector may disclose the itemization on a separate page provided in the same communication with a validation notice, if the debt collector includes on the validation notice, where the itemization would have appeared, a statement referring to that separate page. ( ix ) The current amount of the debt. ( 3 ) Information about consumer protections. ( i ) The date that the debt collector will consider the end date of the validation period and a statement that, if the consumer notifies the debt collector in writing on or before that date that the debt, or any portion of the debt, is disputed, the debt collector must cease collection of the debt, or the disputed portion of the debt, until the debt collector sends the consumer either verification of the debt or a copy of a judgment. ( ii ) The date that the debt collector will consider the end date of the validation period and a statement that, if the consumer requests in writing on or before that date the name and address of the original creditor, the debt collector must cease collection of the debt until the debt collector sends the consumer the name and address of the original creditor, if different from the current creditor. ( iii ) The date that the debt collector will consider the end date of the validation period and a statement that, unless the consumer contacts the debt collector to dispute the validity of the debt, or any portion of the debt, on or before that date, the debt collector will assume that the debt is valid. ( iv ) If the debt collector is collecting debt related to a consumer financial product or service as defined in 1006.2 ( f ), a statement that informs the consumer that additional information regarding consumer protections in debt collection is available on the Bureau 's website at www.cfpb.gov/debt-collection. ( v ) If the debt collector sends the validation notice electronically, a statement explaining how a consumer can, as described in paragraphs ( c ) ( 4 ) ( i ) and ( ii ) of this section, dispute the debt or request original-creditor information electronically.
Lastly, Pursuant to XXXX XXXX XXXX XXXX TRANSFER OF INSTRUMENT ; RIGHTS ACQUIRED BY TRANSFER, this item can not be in collected by you, CKS Prime Investments LLC because once the contract/instrument is transferred, the rights to collect are cancelled unless I indorse the transferred contract/instrument with you ( CKS Prime Investments LLC ). You need an indorsement ( as described in XXXX XXXX XXXX XXXX ) from me in order to lawfully collect on this alleged obligation. Otherwise, without my indorsement you CAN NOT collect. If you believe otherwise, please send me the contract in which I indorsed and you, CKS Prime Investments LLC indorsed with wet ink. You have 15 days after receiving letter to send me all items stated above to validate this alleged debt. If you can not send all of the requested items in a timely manner then I demand that you remove this inaccurate information from all consumer reports as it is in violation of the Fair Credit Reporting Act and the Fair Debt Collection Practices Act. If you do not, I will seek litigation for damages.
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| 12/16/2021 |
Yes |
- Debt collection
- Other debt
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- Took or threatened to take negative or legal action
- Sued you without properly notifying you of lawsuit
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Web |
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In XXXX of 2021 I was sued by XXXXXXXX XXXX XXXXXXXX XXXX, a branch of Velocity Investments. Velocity Investments bought debt I incurred with XXXX XXXX. Immediately upon receiving the summons, I contacted XXXXXXXX XXXX XXXXXXXX and explained to them I was a stay at home mom and that my current husband ( who was the sole breadwinner for the family ) and I were in the process of divorcing. Because we'd only been married for 3 years and he was not the father of my XXXX daughters, he was not required to pay alimony or child support. I was receiving child support from my children 's father, but it was not enough to maintain a mortgage and all other necessary living expenses. I had to choose whether to house and feed my children, or pay credit cards or other debts, and obviously my children come first. The representative at XXXXXXXX XXXX XXXXXXXX demanded that I pay the full past due amount immediately. I explained to the representative that it was impossible to pay the {$2100.00} balance in full but that I would absolutely make payments on the debt. The representative suggested a monthly payment amount ( I can't remember the exact amount ), but it was in the hundreds of dollars and I knew that I could not manage that much each month. At the time, I said I could pay {$50.00} a month. The representative said that he would have to consult with management and he would get back to me. This was the XXXX week of XXXX. After a couple of weeks and no communication from XXXX XXXX XXXXXXXX, I reached out to them in XXXX. Again, they demanded full payment and again, I told them that I could make payments. The representative said that he had to speak with his supervisor and he'd get back to me.
Yesterday ( XX/XX/XXXX ), I was going through old paperwork and found the civil summons from XXXXXXXX XXXX XXXXXXXX that I received in XXXX and it suddenly struck me that I never heard back from them. I called them immediately, and I was informed that they had filed a judgment on XX/XX/XXXX to garnish 25 % of my wages. I was and am absolutely shocked and sickened, because I earn {$17000.00} a year. I'm a single parent and I have a daughter with XXXX XXXX. I could not believe that they did not reach out to me before trying to garnish my wages. The representative then stated that I should have called them. I told him that I was a single working mother and that I have an XXXX child and I'm struggling just to survive day to day and that I forgot about the issue because it just totally slipped my mind. I again said that I could make payments. The representative said that unless I paid the balance in full the garnishment would proceed. I told him that I don't even earn {$2100.00} a month, much less have disposable funds sitting around. He repeated that my wages would be garnished. I explained to him that I earn {$1700.00} a month, that I'm a single mom, and that I'm raising a XXXX XXXX child ; I get paid once a month, and 25 % of my income is about {$400.00} a month. The representative repeated that the garnishment was moving forward regardless of my situation.
I have never denied that I am responsible for this debt, and I have never attempted to avoid any communication from XXXXXXXX XXXX XXXX. In the past year I have in fact negotiated lower settlement amounts associated with 2 other past due accounts that were represented by XXXX XXXX XXXX. I have since paid these negotiated balances in full, and they are reflected as such to the credit bureaus. I am fighting tooth and nail to repair my damaged credit score ... bad credit creates a vicious cycle of paying outrageous interest rates that in turn decrease earnings ; earnings that could be put towards bills or put into savings. I had a great experience and relationship with XXXX XXXX and I have the letters verifying that I paid these settled debts in full. XXXX XXXX XXXX XXXX business practices may not be illegal but are certainly immoral and deceiving. I don't even care that they were insulting and rude and spoke to me as if I were XXXX, but the way they conduct business is just wrong.
I have been more than willing to make payments on my debt and I have made that clear to them numerous times. I believe that XXXX XXXX XXXX intentionally neglected to follow-up with my offer to make payments on my debt in order to proceed with a wage garnishment. That is just wrong. I am just trying to do the right thing. I did the right thing through XXXX XXXX XXXX and now those debts are paid in full. I can not support my girls if my wages are garnished and I am desperate for any help or guidance you can give me. Thank you so much for your interest and your time.
|
| 05/20/2023 |
Yes |
- Debt collection
- I do not know
|
- Took or threatened to take negative or legal action
- Threatened or suggested your credit would be damaged
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|
Web |
|
|
I am a natural person, I am a living human being. I have rights under 15 USC 1681. CKS Prime INVESTEMENTS is govern by 15 USC 1681. And they violated my rights numerous of times. I demand this account be removed because According to 15 USC 1681. I have the right to privacy and i did not give CKS Prime Investments writtent permission to furnish this account. This collection agency continues to harass me with phone calls an emails, text messeges and i have asked this compomay to validate the debt but they never do. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, MO XXXX Collection Acc # XXXX CKS PRIME INVESTMENTS XXXX XXXX XXXX XXXX XXXXXXXX XXXX NJ XXXX XX/XX/2020 Request For Debt Validation Pursuant to 15 USC 1692g Be Advised this is not a refusal to pay, but a notice sent pursuant to the Fair Debt Collection Practices Act ( FCRA ) [ 15 USC 1692g ] stating your claim is disputed and validation is requested. This is NOT a request for verification or proof of my mailing address, but a request for VALIDATION made pursuant to the above-named Title and Section. I respectfully request your offices provide me with competent evidence that I have any legal obligation to pay you. At this time, I will also inform you that if your offices have reported invalidated information to any of the 3 major credit bureaus ( XXXX, https : //portal.consumerfinance.gov/XXXX XXXX XXXXXXXX XXXX XXXX, or XXXX ) this action may constitute fraud under both Federal and State Laws. Due to this fact, if any negative mark is found on any of my credit reports by your company or the company you represent, I will not hesitate in bringing legal action against and your client for the following : violation of the Fair Credit Reporting Act, violation of the Fair Debt Collection Practices Act, and Defamation of Character ( per se ). If your offices are able to provide the proper documentation as requested in the following Declaration, I will require at least 30 calendar days to investigate this information, during which time all collection activity shall CEASE and DESIST. Also, during this validation period, if any action is taken which could be considered detrimental to any of my credit reports, I will consult with my legal counsel for suit. This includes any listing of information to a credit reporting repository that could be inaccurate or invalidated. If your office fails to respond to this validation request within 30 calendar days from the date of your receipt, all references to this account must be deleted and completely removed from my credit file, and a copy of such deletion request shall be sent to me immediately. Sincerely, XXXX XXXX The Following information is required. Please fill out the form below in its entirety. 1. Name and address of Alleged creditor : 2. Name on file of alleged debtor : 3. Alleged Account # : 4. Address on file for alleged debtor : 5. Amount of alleged debt : 6. Date this alleged became payable : 7. Date of original charge off or delinquency : 8. Was this debt assigned to a debt collector or purchased? ____ No ____Yes 9. Amount Paid if debt was purchased : 10. Commission for debt if collection efforts are successful : Please attach copies of the following : Agreement with your client that grants COLLECTION COMPANY XXXX the authority to collect this alleged debt. Signed agreement Debtor has made with Debt Collector, or other verifiable proof Debtor has a contractual obligation to pay Debt collector. Any agreement that bears the signature of Debtor, wherein agreed to pay Creditor. All statements while this account was open. Have any insurance claims been made by any creditor regarding this account? o Yes o No Have any Judgements been obtained by any creditor regarding this account? o Yes o No Please provide me the name and address of the bonding agent for COLLECTION COMPANY CKS PRIME INVESTMENTS, in case legal action becomes necessary : Date : ________________ _________________________ Authorized Signature of Creditor You must return this completed form along with copies of all requested information, assignments or other transfer agreements, which would establish your right to collect this alleged debt within 30 calendar days from the date of receipt of this letter. Your Claim can not and WILL NOT be considered if any portion of this form is not completed and returned with copies of all requested documents. This is a request for Validation made pursuant to the Fair Debt Collection Practices Act. Please allow 30 calendar days for processing after I receive this information. Thank You.
|
| 08/22/2022 |
Yes |
- Debt collection
- Credit card debt
|
- Took or threatened to take negative or legal action
- Threatened or suggested your credit would be damaged
|
|
Web |
|
|
I am a natural person, I am a living human being. I have rights under 15 USC 1681. CKS Prime INVESTEMENTS is govern by 15 USC 1681. And they violated my rights numerous of times. I demand this account be removed because According to 15 USC 1681. I have the right to privacy and i did not give CKS Prime Investments writtent permission to furnish this account. This collection agency continues to harass me with phone calls an emails, text messeges and i have asked this compomay to validate the debt but they never do. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, MO XXXX Collection Acc # XXXX CKS PRIME INVESTMENTS XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/2020 Request For Debt Validation Pursuant to 15 USC 1692g Be Advised this is not a refusal to pay, but a notice sent pursuant to the Fair Debt Collection Practices Act ( FCRA ) [ 15 USC 1692g ] stating your claim is disputed and validation is requested. This is NOT a request for verification or proof of my mailing address, but a request for VALIDATION made pursuant to the above-named Title and Section. I respectfully request your offices provide me with competent evidence that I have any legal obligation to pay you. At this time, I will also inform you that if your offices have reported invalidated information to any of the 3 major credit bureaus XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, or XXXX ) this action may constitute fraud under both Federal and State Laws. Due to this fact, if any negative mark is found on any of my credit reports by your company or the company you represent, I will not hesitate in bringing legal action against and your client for the following : violation of the Fair Credit Reporting Act, violation of the Fair Debt Collection Practices Act, and Defamation of Character ( per se ). If your offices are able to provide the proper documentation as requested in the following Declaration, I will require at least 30 calendar days to investigate this information, during which time all collection activity shall CEASE and DESIST. Also, during this validation period, if any action is taken which could be considered detrimental to any of my credit reports, I will consult with my legal counsel for suit. This includes any listing of information to a credit reporting repository that could be inaccurate or invalidated. If your office fails to respond to this validation request within 30 calendar days from the date of your receipt, all references to this account must be deleted and completely removed from my credit file, and a copy of such deletion request shall be sent to me immediately. Sincerely, XXXX XXXX The Following information is required. Please fill out the form below in its entirety. 1. Name and address of Alleged creditor : 2. Name on file of alleged debtor : 3. Alleged Account # : 4. Address on file for alleged debtor : 5. Amount of alleged debt : 6. Date this alleged became payable : 7. Date of original charge off or delinquency : 8. Was this debt assigned to a debt collector or purchased? ____ No ____Yes 9. Amount Paid if debt was purchased : 10. Commission for debt if collection efforts are successful : Please attach copies of the following : Agreement with your client that grants COLLECTION COMPANY XXXX the authority to collect this alleged debt. Signed agreement Debtor has made with Debt Collector, or other verifiable proof Debtor has a contractual obligation to pay Debt collector. Any agreement that bears the signature of Debtor, wherein agreed to pay Creditor. All statements while this account was open. Have any insurance claims been made by any creditor regarding this account? o Yes o No Have any Judgements been obtained by any creditor regarding this account? o Yes o No Please provide me the name and address of the bonding agent for COLLECTION COMPANY CKS PRIME INVESTMENTS, in case legal action becomes necessary : Date : ________________ _________________________ Authorized Signature of Creditor You must return this completed form along with copies of all requested information, assignments or other transfer agreements, which would establish your right to collect this alleged debt within 30 calendar days from the date of receipt of this letter. Your Claim can not and WILL NOT be considered if any portion of this form is not completed and returned with copies of all requested documents. This is a request for Validation made pursuant to the Fair Debt Collection Practices Act. Please allow 30 calendar days for processing after I receive this information. Thank You.
|
| 08/21/2023 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Information belongs to someone else
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|
Web |
|
|
This notice is to inform you that you have unlawfully reported an alleged debt to my consumer report. Under the New Rule REGULATION F which took effect XX/XX/, You CKS PRIME INVESTMENTS You have violated the FDCPA 1006.30a and its new rule by parking this alleged debt on my consumer reports. Cease and Desist the reporting of this alleged Debt immediately or I will escalate this matter to taking legal action.
I have not given you written permission to put anything on my credit profile 15 USC 1681b2.
You have no permissible purpose by law to contact third parties with my private or personal information. Your offenses amount to Aggravated Identity Theft pursuant t
o 18 U.S.C. 1028A. You have knowingly transferred, possessed, or used, without lawful authority, a means of identification of me, which is a felony punishable with up to 2 years of imprisonment, in addition to civil liability. I AM A LITIGIOUS CONSUMER I WILL NOT HESITATE TO TAKE LEGAL ACTION AGAINST CKS PRIME INVESTMENTS 15 USC 1692c ( c ) Ceasin
g communication If a consumer notifies a debt collector in writing that the consumer refuses to pay a debt or that the consumer wishes the debt collector to cease further communication with the consumer, the debt collector shall not communicate further with the consumer with respect to such debt.
I refuse to pay this alleged debt. Cease and Desist all collections activity regarding this alleged debt and PROMPTLY Delete it from all consumer reporting agencies that you have reported this inaccurate, incomplete, erroneous and misleading information to at once.
The reporting of such inaccurate information has caused severe damage to my character, my reputation, my general mode of living and my ability to obtain credit for personal and house purposes.
You and your inaccurate reporting have damaged my livelihood.
15 U.S. Code 1681s2 - Responsibilities of furnishers of information to consumer reporting agencies ( a ) Duty of furnishers of information to provide accurate information Prohibition ( A ) Reporting information with actual knowledge of errors A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Duty : a moral or legal obligation ; a responsibility Accurate : correct in all details ; exact.
Prohibition : a law or regulation forbidding something 15 USC 1681 s-2 Says you CKS PRIME INVESTMENTS are a furnisher of information to a consumer reporting agency.
You ARE PROHIBITED BY LAW to furnish inaccurate information 15 USC 1681 s-2 ( a ) ( 1 ) ( A ) 15 U.S. Code 1681s2 ( a ) Duty of furnishers of information to provide accurate information Prohibition ( B ) Reporting information after notice and confirmation of errors A person shall not furnish information relating to a consumer to any consumer reporting agency if ( i ) the person has been notified by the consumer, at the address specified by the person for such notices, that specific information is inaccurate ; and ( ii ) the information is, in fact, inaccurate.
In conclusion I have shown you and you have been put on notice that you are reporting inaccurate information. The information is, in fact, inaccurate.
The continued reporting of this inaccurate information is a clear violation of the Law 15 USC 1681 s-2 of your responsibilities as a furnisher of information.
You have caused me and my family severe harm due to your negligence and inaccurate reporting. This is a final opportunity to Cure and DELETE This Erroneous, inaccurate account from my Consumer report.
YOU HAVE 10 Calendar days to DELETE THIS ACCOUNT FROM MY CONSUMER REPORTS! or I will take legal action for consumer law violation under 15 USC 1681 n, 15 USC 1681 o, and 15 USC 1692k.
DELETE THE FOLLOWING ACCOUNT/S FROM YOUR RECORDS AND ALL CONSUMER REPORTING AGENCIES.
XXXX XXXX XXXX ASSIGNEE OF Failure to respond satisfactorily with deletion of the above referenced account, and send out a free copy of my report after the changes have been made will result in legal actions being taken against your company, for which I will also be seeking {$1000.00} per violation for : Defamation of Character ( per se ) Negligent Enablement of Identity Fraud Fair Debt Collections Practices Act 15 USC 1692g violations Fair Credit Reporting Act 15USC 1681 violations for willful noncompliance - 616. Civil liability for willful noncompliance [ 15 U.S.C. 1681n ]
|
| 06/22/2021 |
Yes |
- Debt collection
- Credit card debt
|
- Written notification about debt
- Didn't receive enough information to verify debt
|
|
Web |
|
|
CFPB, I am California resident. Last month I requested a copy of my CCPA report. Otherwise known as California Consumer Privacy Act of 2018. To date, I have not received it, even though I emailed the request to Velocity 's email, as directed on website, and to a Collections Manager at Velocity, there is still no response.
Below is California Residents - Privacy policy Statement provided by Velocity.
California Residents - Privacy policy Statement The CCPA provides consumers ( California Residents ) with specific rights regarding their personal information. This section describes your CCPA rights and explains how to exercise those rights. Velocity Investments , LLC ( hereinafter Velocity ) is required to maintain a separate privacy policy for California Residents pursuant to CCPA. With that said be advised that we only maintain and collect personal information to enhance and assist in the collection of the accounts that Velocity owns or services for others. We do not sell or provide personal information to others outside of the purposes of collection of a specific account.
Access to Specific information and Data Portability rights You have the right to request that Velocity investments LLC. Disclose certain information to you about our collections and use of your personal information over the past 12 months. Once we receive and confirm your Verifiable consumer request ( see Exercising Access, Data Portability, and deletion rights ), We will disclose to you : The categories of personal information we collected about you The categories of sources for the personal information we collected about you Our business or commercial purpose for collecting or selling that personal information The categories of third parties with whom we share personal information The specific pieces of personal information for a business purpose, two separate lists disclosing : o Sales, identifying the personal information categories that category of recipient purchased o Disclosures for a business purpose, identifying the personal information categories that each category of recipient obtained.
Non-Discrimination Velocity investments LLC will not discriminate against you for exercising any of your CCPA rights. Unless permitted by the CCPA, we will not discriminate with how your account is handled as a result of a request under the CCPA.
Requesting Access, data portability and Deletion To exercise the Access, data portability and Deletion rights described above, please submit a verifiable consumer request to us either by : Calling us at : ( XXXX ) XXXX Emailing us at : XXXX Only you, or a person registered with the California secretary of state that you authorize to act on your behalf, may make a verifiable consumer request related to your personal information. You may also make a verifiable consumer on behalf of your minor child. Be advised that, you may only make a verifiable consumer request for access or data portability twice within a 12-month period and Provide sufficient information that allows us to reasonably verify you are the person about whom we collected personal information or an authorized representative and/ or Describe your request with sufficient detail that allows us to properly understand, evaluate, and respond to it. We can not respond to your request or provide you with personal information if we can not verify your identity or authority to make the request and confirm the personal information relates to you. We will only use personal information I want to the following information disclosed to me as my RIGHT of being a California resident.
Disclose to Me : The categories of personal information Velocity collected about you The categories of sources for the personal information Velocity collected about me Velocity 's business or commercial purpose for collecting or selling that personal information The categories of third parties with whom my share personal information The specific pieces of personal information for a business purpose, two separate lists disclosing : o Sales, identifying the personal information categories that category of recipient purchased o Disclosures for a business purpose, identifying the personal information categories that each category of recipient obtained.
I look forward of the uneventful event of Velocity 's compliance of CCPA, without involving additional government agencies and bureaus.
|
| 06/25/2022 |
Yes |
- Debt collection
- I do not know
|
- Took or threatened to take negative or legal action
- Threatened or suggested your credit would be damaged
|
|
Web |
|
|
XXXX XXXX XXXX XXXX XXXXXXXX XXXXXXXX XXXX XXXXXXXX, MO XXXX Collection Acc # XXXX CKS PRIME INVESTMENTS, L XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/2022 Request For Debt Validation Pursuant to 15 USC 1692g Be Advised this is not a refusal to pay, but a notice sent pursuant to the Fair Debt Collection Practices Act ( FCRA ) [ 15 USC 1692g ] stating your claim is disputed and validation is requested.
This is NOT a request for verification or proof of my mailing address, but a request for VALIDATION made pursuant to the above-named Title and Section. I respectfully request your offices provide me with competent evidence that I have any legal obligation to pay you.
At this time, I will also inform you that if your offices have reported invalidated information to any of the 3 major credit bureaus ( XXXX, XXXX, or XXXX ) this action may constitute fraud under both Federal and State Laws.
Due to this fact, if any negative mark is found on any of my credit reports by your company or the company you represent, I will not hesitate in bringing legal action against and your client for the following : violation of the Fair Credit Reporting Act, violation of the Fair Debt Collection Practices Act, and Defamation of Character ( per se ).
If your offices are able to provide the proper documentation as requested in the following Declaration, I will require at least 30 calendar days to investigate this information, during which time all collection activity shall CEASE and DESIST.
Also, during this validation period, if any action is taken which could be considered detrimental to any of my credit reports, I will consult with my legal counsel for suit. This includes any listing of information to a credit reporting repository that could be inaccurate or invalidated.
If your office fails to respond to this validation request within 30 calendar days from the date of your receipt, all references to this account must be deleted and completely removed from my credit file, and a copy of such deletion request shall be sent to me immediately.
Sincerely, XXXX XXXX The Following information is required. Please fill out the form below in its entirety.
1. Name and address of Alleged creditor : 2. Name on file of alleged debtor : 3. Alleged Account # : 4. Address on file for alleged debtor : 5. Amount of alleged debt : 6. Date this alleged became payable : 7. Date of original charge off or delinquency : 8. Was this debt assigned to a debt collector or purchased? ____ No ____Yes 9. Amount Paid if debt was purchased : 10. Commission for debt if collection efforts are successful : Please attach copies of the following : Agreement with your client that grants COLLECTION COMPANY CKS PRIME INVESTMENTS, L the authority to collect this alleged debt.
Signed agreement Debtor has made with Debt Collector, or other verifiable proof Debtor has a contractu
al obligation to pay Debt collector.
Any agreement that bears the signature of Debtor, wherein agreed to pay Creditor.
All statements while this account was open.
Have any insurance claims been made by any creditor regarding this account?
o Yes o No Have any Judgements been obtained by any creditor regarding this account?
o Yes o No Please provide me the name and address of the bonding agent for COLLECTION COMPANY CKS PRIME INVESTMENTS, L, in case legal action becomes necessary : Date : ________________ _________________________ Authorized Signature of Creditor You must return this completed form along with copies of all requested information, assignments or other transfer agreements, which would establish your right to collect this alleged debt within 30 calendar days from the date of receipt of this letter.
Your Claim can not and WILL NOT be considered if any portion of this form is not completed and returned with copies of all requested documents. This is a request for Validation made pursuant to the Fair Debt Collection Practices Act.
Please allow 30 calendar days for processing after I receive this information.
Thank You.
|
| 07/10/2021 |
Yes |
- Debt collection
- Credit card debt
|
- Written notification about debt
- Didn't receive enough information to verify debt
|
|
Web |
Older American |
|
In 2017 I was solicited for a credit card with XXXX out of the XXXX XXXX XXXX. I received the card with a credit limit of {$750.00} which I used and paid as agreed for about two years. During the second year, I had made my monthly payment after hours and my card was closed because of that. When I called I was told there was nothing more I could do and no one I could speak with so I decided to just let it go since it wasn't that much credit anyway. I continued to pay the bills each month although I had no access to the credit card.
At some point, I attempted to pay the bill in the online system and could not get in. I called to ask again what was happening and I never received a callback. I also noticed charges on the bill that were unknown to me outside of the interest charged which caused the bill to not go down even with my monthly payments. I decided to write a check for what I believed was the balance on the account and just be done with it. Since I had no access to the account I had to guess the balance and I sent that in. That check was never cashed. I waited for a month and held the money in my bank account to no avail.
Finally, after about two months had passed and nothing had happened to the check I just forgot about it until I got a letter from XXXX telling me the account was sold and I would be hearing from the new vendor, which I never did.
Another couple of months passed and I received a letter from a collection agency telling me to pay the balance of XXXX XXXX dollars or it would be turned over to collection. Needless to say, I was stunned as I know I did not owe these people XXXX XXXX dollars, my limit was not even that much. I then called the agency and spoke with a very rude woman who demanded that I pay this bill, I explained what had occurred but she was not concerned at all. I asked for an itemized bill of the charges they were claiming I owed and she said that too was not her problem when I told her I was paying nothing until I saw an itemized statement.
About a month or so later I got another demand notice from Collection for over XXXX XXXX dollars this time. I put it away waiting for the itemized bill that I had asked for prior. At some point during all of this I became ill and was dealing with that as well. I had paid this with what I thought was the balance due and even though the check was never cashed I did do what I thought was right.
I was recently turned down for a mortgage to find that this bill is showing on my reports as severely delinquent and it at one point showed a total of over XXXX XXXX dollars owed now. I was able to get the money taken off via XXXX but never got the SEVEN months delinquency off.
I started writing to the XXXX of the state where the bank card was issued in Missouri, the XXXX XXXX XXXX. I got a call from them telling me it wasn't their issue and they would send it to Az. I didn't think that would work out since the state where the bank issued the card was Missouri and today that was pretty much verified by the state of Az XXXX XXXX as they had no idea what this was about.
I also filed a complaint with XXXX via email asking that they take this off my credit report. Since I had not heard from them in two weeks, I filed a complaint with the CFPB regarding this issue with XXXX. Just after that two weeks and after I had filed with CFPB, I received a call from a Mr XXXX at a company known as XXXX who services the cards for XXXX but they are not the credit card company. He gave me the name of Velocity and said this was the company they show as the account being sold to last and I should google it to find out what to do. This was the VERY FIRST TIME I had heard this name.
So I called the CFPB and spoke to a representative to make sure it was ok to contact someone else since I had provided a complaint with them about XXXX. I was told it would be ok but if I had no success to make sure I filed a complaint against Velocity, hence this complaint.
|
| 02/23/2023 |
Yes |
- Debt collection
- Credit card debt
|
- Attempts to collect debt not owed
- Debt was result of identity theft
|
|
Web |
|
|
Dear Sir/Madam, I am writing to file a complaint against CKS Prime Investments LLC for their illegal and unlawful debt collection practices. I have new evidence to support this complaint, including a letter from the original creditor, XXXX XXXX XXXX XXXX XXXX, which states that the debt in question was canceled due to fraud, and despite having been informed of this fact, they persisted in their collection efforts and reporting the alleged debt to credit reporting agencies. Their behavior violates several codes of the Fair Debt Collection Practices Act ( FDCPA ) and the Fair Credit Reporting Act ( FCRA ).
As mentioned earlier, the relevant evidence, in this case, is a letter from the original creditor, XXXX XXXX XXXX XXXX XXXX, which states that a notice of dispute was received from XXXX on XX/XX/2022, in which I claimed identity theft. An investigation was conducted, and it was determined that I was not liable for the account. As a result, the tradeline was removed from my credit report, and the account was closed due to fraud, with the balance canceled. Despite this, CKS Prime Investments LLC continued to collect the debt and report it to credit reporting agencies.
CKS Prime Investments LLC violated Section 1681s-2 ( a ) ( 1 ) ( A ) of the FCRA, which requires furnishers of information to credit reporting agencies to have policies and procedures in place to ensure the accuracy of the information provided. They also violated Section 1681s-2 ( a ) ( 3 ), which requires furnishers of information to investigate disputes raised by consumers and correct any inaccuracies found. In this case, the Bank investigated the dispute raised by me and confirmed that the account was due to identity theft, and the Bank confirms that the account had been closed due to fraud and the balance canceled. Despite this, CKS Prime Investments LLC continued to collect the debt and report it to credit reporting agencies.
CKS Prime Investments LLC also violated Section XXXX07 ( 2 ) ( A ) and Section 807 ( 10 ) of the FDCPA. Section 807 ( 2 ) ( A ) prohibits debt collectors from making false, deceptive, or misleading representations in connection with the collection of a debt. Section 807 ( 10 ) prohibits debt collectors from using unfair or unconscionable means to collect a debt. Continuing to collect a debt that had been canceled due to fraud and reporting the debt to credit reporting agencies even after the account had been closed can be considered unfair or unconscionable means of debt collection.
In addition to these violations, CKS Prime Investments LLC also engaged in prohibited conduct under Section 807 ( 2 ) ( a ) and Section 807 ( 5 ) of the FDCPA by falsely representing the character, amount, or legal status of the debt and threatening to take action that can not legally be taken or that is not intended to be taken. Their behavior has caused me significant emotional distress and anxiety, and I have made multiple attempts to resolve this matter with them, including sending written disputes and requesting verification of the debt. However, they brushed my complaints off with inadequate investigation and failed to provide me with the process they followed while investigating. They continue to report the alleged debt even right now!
I am requesting that the Consumer Financial Protection Bureau investigate this matter and take appropriate action against CKS Prime Investments LLC for their violations of the FDCPA and FCRA. Specifically, I request that they be ordered to refund all the money they collected, remove all inaccurate information related to this debt from my credit report, and be civilly held accountable to pay damages for any harm caused by their illegal and unlawful collection and reporting of the debt.
Thank you for your time and attention to this matter.
Sincerely, XXXX XXXX
|
| 12/29/2023 |
Yes |
- Credit reporting or other personal consumer reports
- Credit reporting
|
- Improper use of your report
- Reporting company used your report improperly
|
|
Web |
|
|
XXXX XXXX XXXX XXXX XXXX XXXX XXXX MI, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, DE XXXX XXXX Date sold : XX/XX/2023 Balance : XXXX Company sold to : CKS PRIME INVESTMENT, L To Whom It May Concern : Be advised this is not a refusal to pay, but a notice that your claim is disputed, and validation is requested. Under the Fair Debt collection Practices Act ( FDCPA ), I have the right to request validation of the debt you say I owe you. I am requesting proof that I am indeed the party you are asking to pay this debt, and there is some contractual obligation that is binding on me to pay this debt.
This is NOT a request for verification or proof of my mailing address, but a request for VALIDATION made pursuant to 15 USC 1692g Sec. 809 ( b ) of the FDCPA. I respectfully request that your offices.
provide me with competent evidence that I have any legal obligation to pay you.
At this time, I will also inform you that if your offices have or continue to report invalidated information.
to any of the XXXX major credit bureaus ( XXXX, XXXX, XXXX XXXX ), this action might constitute fraud under both federal and state laws. Due to this fact, if any negative mark is found or continues to report on any of my credit reports by your company or the company you represent, I will not hesitate in bringing legal action against you and your client for the following : Violation of the Fair Debt Collection Practices Act and Defamation of Character.
I am sure your legal staff will agree that non-compliance with this request could put your company in serious legal trouble with the FTC and other state or federal agencies.
If your offices are able to provide the proper documentation as requested in the following declaration, I will require 30 days to investigate this information and during such time all collection activity must cease and desist. Also, during this validation period, if any action is taken which could be considered detrimental to any of my credit reports, I will consult with legal counsel for suit. This includes any listing of any information to a credit-reporting repository that could be inaccurate or invalidated. If your offices fail to respond to this validation request within 30 days from the date of your receipt, all references to this account must be deleted and completely removed from my credit file and a copy of such deletion request shall be sent to me immediately.
It would be advisable that you and your client assure that your records are in order before I am forced to take legal action.
CREDITOR/DEBT COLLECTOR DECLARATION Please provide the following : Agreement with your client that grants you the authority to collect on this alleged debt.
Agreement that bears the signature of the alleged debtor wherein he/she agreed to pay the creditor.
Any insurance claims been made by any creditor regarding this account.
Any Judgments obtained by any creditor regarding this account.
Name and address of alleged creditor.
Name on file of alleged debtor.
Alleged account number.
Address on file for alleged debtor.
Amount of alleged debt.
Date this alleged debt became payable.
Date of original charge off or delinquency.
Verification that this debt was assigned or sold to collector.
Complete accounting of alleged debt.
Commission for debt collector if collection efforts are successful.
Please provide the name and address of the bonding agent for XXXX in case legal action becomes necessary. Your claim can not and WILL NOT be considered if any portion of the above is not completed and returned with copies of all requested documents. This is a request for validation made pursuant to the Fair Debt Collection Practices Act. Please allow 30 days for processing after I receive this information back.
Best Regards XXXX XXXX
|
| 01/19/2024 |
Yes |
- Credit reporting or other personal consumer reports
- Credit reporting
|
- Improper use of your report
- Reporting company used your report improperly
|
|
Web |
|
|
Date : XX/XX/2024 XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MI XXXX Velocity Investment, LLC XXXX XXXX XXXX XXXX NJ XXXX XXXX To Whom It May Concern : Be advised this is not a refusal to pay, but a notice that your claim is disputed, and validation is requested. Under the Fair Debt collection Practices Act ( FDCPA ), I have the right to request validation of the debt you say I owe you. I am requesting proof that I am indeed the party you are asking to pay this debt, and there is some contractual obligation that is binding on me to pay this debt. This is NOT a request for verification or proof of my mailing address, but a request for VALIDATION.
made pursuant to 15 USC 1692g Sec. 809 ( b ) of the FDCPA. I respectfully request that your offices provide me with competent evidence that I have any legal obligation to pay you. At this time, I will also inform you that if your offices have or continue to report invalidated information to any of the three major credit bureaus ( XXXX, XXXX, XXXX XXXX ), this action might constitute fraud under both federal and state laws. Due to this fact, if any negative mark is found or continues to report on any of my credit reports by your company or the company you represent, I will not hesitate in bringing legal action against you and your client for the following : Violation of the Fair Debt Collection Practices Act and Defamation of Character.
I am sure your legal staff will agree that non-compliance with this request could put your company in serious legal trouble with the FTC and other state or federal agencies.
If your offices are able to provide the proper documentation as requested in the following declaration, I will require 30 days to investigate this information and during such time all collection activity must cease and desist. Also, during this validation period, if any action is taken which could be considered detrimental to any of my credit reports, I will consult with legal counsel for suit. This includes any listing of any information to a credit-reporting repository that could be inaccurate or invalidated. If your offices fail to respond to this validation request within 30 days from the date of your receipt, all references to this account must be deleted and completely removed from my credit file and a copy of such deletion request shall be sent to me immediately.
It would be advisable that you and your client assure that your records are in order before I am forced to take legal action.
CREDITOR/DEBT COLLECTOR DECLARATION Please provide the following : Agreement with your client that grants you the authority to collect on this alleged debt.
Agreement that bears the signature of the alleged debtor wherein he/she agreed to pay the creditor.
Any insurance claims been made by any creditor regarding this account.
Any Judgments obtained by any creditor regarding this account.
Name and address of alleged creditor.
Name on file of alleged debtor.
Alleged account number.
Address on file for alleged debtor.
Amount of alleged debt.
Date this alleged debt became payable.
Date of original charge off or delinquency.
Verification that this debt was assigned or sold to collector.
Complete accounting of alleged debt.
Commission for debt collector if collection efforts are successful.
Please provide the name and address of the bonding agent for COLLECTIONAGENCY in case legal action becomes necessary. Your claim can not and WILL NOT be considered if any portion of the above is not completed and returned with copies of all requested documents. This is a request for validation made pursuant to the Fair Debt Collection Practices Act. Please allow 30 days for processing after I receive this information back.
Best Regards XXXX XXXX cc Federal Trade Commission
|
| 08/05/2022 |
Yes |
- Debt collection
- Credit card debt
|
- Written notification about debt
- Didn't receive notice of right to dispute
|
|
Web |
|
|
I had submitted a CFPB Case about the tactics of XXXX XXXX XXXX XXXX CFPB Case Number : XXXX ( previously ). I had submitted a complaint against CKS Prime Investments , LLC, because I was contacted by their company to collect a debt and I was not sent anything in writing ( within five ( 5 ) days ) since the initial contact to do a dispute of the debt. I was contacted by phone and the representative left a voicemail saying they were calling from CKS XXXX XXXX. I have added the correct name of the company CKS Prime Investments , LLC, due to a letter that was received today from XXXX XXXX XXXX XXXX, Friday, XX/XX/2022. The date of the letter is XX/XX/2022, and it's a response to a complaint I filed. XXXXXXXX XXXX stated they have tried to settle the accounts previously in XXXX and XX/XX/2022. I did not receive anything from their company about settling the accounts. I got notices of what was past due and the amount of the minimum payment due. I will have a copy of the letter that I photographed included on this complaint because this is deceptive communication regarding them claiming that an attempt was made to resolve the account and is untruthful communication. Secondly, I found out that the account was charged off XX/XX/2022, and I was not sent any communication from XXXX XXXX XXXX that my debt was charged off, to do a validation of debt, or to dispute the debt with the company. The letter said it was subsequently sold to CKS XXXX XXXX, XXXX ( XXXX ) according to the letter. However, the date the debt was sold is not written in the contents of this letter but we do know that CKS XXXX XXXX XXXX XXXX, did contact me to collect the debt and never sent any documentation to allow for a validation of debt or a dispute to take place regarding the validity of the debt ( that was sold on XXXX without any communication being sent ). The letter sent by XXXX XXXX XXXX XXXX does NOT indicate that any communication was submitted to me in writing regarding the selling of this debt to a third party company. The letter sent by XXXX XXXX XXXX XXXX explains that my account was placed in Cease and Desist status. However, there was no communication with me in regards to the attempts to collect a debt was being terminated nor did I receive any communications that their company was going to remedy the balance with selling the unresolved account to a third-party collections company, CKS Prime Investments , LLC.
XXXX XXXX XXXX XXXX claims their communication has been with e-mails but I filed in my complaints as well for communication to take place by U.S. Mail. None of the correspondence that XXXX claims was sent in XXXX or XX/XX/2022 was sent by U.S. Mail nor does the letter say it was emailed like they specificed they sent on XX/XX/2022 for a {$30.00} credit.
15 U.S. Code 1692c - Communication in connection with debt collection c ) Ceasing communication If a consumer notifies a debt collector in writing that the consumer refuses to pay a debt or that the consumer wishes the debt collector to cease further communication with the consumer, the debt collector shall not communicate further with the consumer with respect to such debt, EXCEPT ( 1 ) to advise the consumer that the debt collectors further efforts are being terminated ; ( 2 ) to notify the consumer that the debt collector or creditor may invoke specified remedies which are ordinarily invoked by such debt collector or creditor ; or
|
| 09/14/2023 |
Yes |
- Credit reporting or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Account information incorrect
|
|
Web |
|
|
I am writing to dispute the validity of the collection account being reported on my credit report with account number ending in XXXX. I recently became aware that this account was purchased by your company, Velocity Investments LLC, from XXXX XXXX. as a charged off account.
I am disputing this account because it is reporting illegally on my credit report due to the fact that there was never a permissible purpose written by the original creditor, XXXX XXXX., which authorized the sharing of my personal information. This violates the Fair Credit Reporting Act ( FCRA ), specifically 15 U.S. Code 1681b, which regulates the collection, dissemination, and use of consumer credit information.
Additionally, I have reason to believe that Velocity Investments LLXXXX is attempting to collect a debt in the state of Arkansas, where they are not licensed to do so. This may be a violation of state law, and I request that Velocity Investments LLC provide proof of their licensing to collect in Arkansas before engaging in any further communication with me.
Therefore, I am requesting that Velocity Investments LLC cease and desist all collection attempts related to this account, delete this and the original tradeline from my credit report, and provide proof of their licensing to collect in Arkansas. Furthermore, I remind Velocity Investments LLC that any violation of the FCRA or the Fair Debt Collection Practices Act ( FDCPA ) may result in liability for actual damages sustained by the consumer as a result of the failure, as well as for any additional damages as the court may allow.
Under the FCRA, any person who willfully or negligently fails to comply with any requirement of the FCRA with respect to any consumer is liable to that consumer for actual damages sustained by the consumer as a result of the failure, as well as for any additional damages as the court may allow, including statutory damages ranging from {$100.00} to {$1000.00} per violation, as the court deems appropriate. This is outlined in 15 U.S. Code 1681n.
Similarly, under the FDCPA, any debt collector who fails to comply with any provision of the FDCPA with respect to any consumer is liable to that consumer for actual damages sustained as a result of the failure, as well as for any additional damages as the court may allow, including statutory damages of up to {$1000.00} per violation. The court may also award reasonable attorney 's fees to the prevailing party. This is outlined in 15 U.S. Code 1692k.
In light of the violations of the FCRA and the FDCPA described above, I am formally requesting payment of {$1000.00} in damages I have sustained as a result of these violations. Please find attached an invoice for this amount, along with a written response within 30 days of receipt of this letter, outlining the steps Velocity Investments LLC has taken in order to correct these violations and any compensation that will be provided for the damages I have sustained.
Please note that under the FCRA and FDCPA, you are required to investigate my dispute within 30 days of receipt of this letter and respond to me in writing. Additionally, I request that all communication regarding this account be done in writing.
Thank you for your prompt attention to this matter.
Sincerely, XXXX XXXX Enclosure : Invoice for {$1000.00}
|
| 05/03/2021 |
Yes |
- Debt collection
- Credit card debt
|
- Written notification about debt
- Didn't receive enough information to verify debt
|
|
Web |
|
|
XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NY XXXX Social Security # XXXX DOB : XX/XX/XXXX I hereby make a ghost-letter attempt to a resolution on various credit items and/or items of public record that currently show on XXXX, XXXX, XXXX XXXX and XXXX respectively. My position is legal based upon sections of the Fair Credit Reporting Act as well as the Fair Debt Collection Practices Act. These laws are to make sure that a level and fair playing field exist to protect American consumers from abusive reporting procedures on credit reports, as well as illegal and deceptive collection practices. I stipulate at this time that are no condition am U making an identity theft claim or accusation, so I demand that policy be adhered to by all creditors and respective credit reporting agencies.
Amended consumer rights Fair Credit Reporting Act Public Law 15 U.S.C. 1681 : XXXX : XXXX Fair Debt Collection Practices Act : XXXX XXXX XXXX On these subscribers that are reporting the affixed information, I am requesting full validation such as, original transfer rights to collect, confirmation of legal timeline to report on credit and/or collection procedures, validation of licensing requirements, posted bonding requirements, oversight on monthly payment histories, proper subscriber agreement compliance with credit reporting agencies, and overall compliance with all Fair Credit Reporting Act and Fair Debt Collection Practices Act bylaws as mandated by federal laws. If all of these requirements are not in order, then I have the legal right to request the deletion of this tradeline accordingly. I especially desire compliance under the 84-month timeline for deletion of negative information, with the deletion of the account details altogether. My dispute is quite specific in the exception area posted below : 605. Requirements relating to information contained in consumer reports [ 15 U.S.C. 1681c ], Section 609 of the Fair Credit Reporting Act ( FCRA ), Disclosures to consumers [ 15 U.S.C. 1681g ] ; Section 610 ( a ) ( 1 ) [ 1681h ], and 611.
CREDITOR CONTACT INFORMATION : CKS PRIME INVESTMENTS , LLC XXXX XXXX XXXX XXXX, VA XXXX ( XXXX ) XXXX ACCOUNT # XXXX On these subscribers that are reporting the affixed information, I am requesting full validation such as, original transfer rights to collect, confirmation of legal timeline to report on credit and/or collection procedures, validation of licensing requirements, posted bonding requirements, oversight on monthly payment histories, proper subscriber agreement compliance with credit reporting agencies, and overall compliance with all Fair Credit Reporting Act and Fair Debt Collection Practices Act bylaws as mandated by federal laws. If all of these requirements are not in order, then I have the legal right to request the deletion of this tradeline accordingly.
I am posting this dispute through the Consumer Financial Protection Bureau, the governing body of the Fair Credit Reporting Act and the Fair Debt Collection Practices Act. Please respond to this dispute within 30-days as mandated within federal guidelines.
Sincerely, XXXX XXXX
|
| 04/20/2022 |
Yes |
- Debt collection
- I do not know
|
- Took or threatened to take negative or legal action
- Threatened or suggested your credit would be damaged
|
|
Web |
|
|
My name is XXXX XXXX, a federally protected consumer, and I am making this complaint against VELOCITY PORTFOLIO GROUP, INC. d/b/a CKS PRIME INVESMENTS, LLC, for committing XXXX theft. I have never given CKS PRIME INVESTMENTS , LLC, any permission to use any of my identifying information to commit mail fraud by contacting me about an alleged debt they claim I owe. CKS PRIME INVESTMENTS , LLC stated in CFPB complaint case number XXXX, that they've " purchased this account on XX/XX/XXXX '', which is a violation pursuant to 15 USC 1692e ( 10 ) and is known as securities fraud and aggravated identity theft. I am aware that in accordance with Article 9, the assignment of a defaulted note is illegal. Both the assignee and the assigned are both liable for violations under 15 U.S. Code 1692e ( 12 ). I have not validated any alleged debt with CKS PRIME INVESTMENTS , LLC and my failure to dispute the validity of these alleged debts shall not be construed as an admission of liability. As of XX/XX/XXXX, I have not received any documentary evidence, such as a trilateral contract, giving CKS PRIME INVESTMENTS , LLC any right to collect on this alleged debt. I have never received any documentation requesting validation from CKS PRIME INVESTMENTS , LLC, before they committed multiple violations under the FCRA and the FDCPA by furnishing this alleged debt to my consumer report, including but not limited to 15 U.S. Code 1692d ( 4 ) which the FTC defines as debt parking. If CKS PRIME INVESTMENTS , LLC, can not provide me with proof such as a tracking number that they attempted to lawfully validate this alleged debt with me, the consumer, prior to furnishing it on my consumer report, this has been a fraudulently furnished account with forethought and malice as an attempt to bring harm to me and my financial reputation. I'm well aware that a consumer report is a means of communication pursuant to 15 USC 1681a ( d ) ( 1 ) and I've sent CKS PRIME INVESTMENTS , LLC, a cease and desist letter of all illegal activity, any communication and collection activity, of this and any alleged debts until CKS PRIME INVESTMENTS , LLC, can provide me with sufficient documentary evidence that I have any legal obligation to pay them. This account still remains on my consumer report because CKS PRIME INVESTMENTS , LLC, chose to ignore my cease and desist letter. THIS IS MY FINAL ATTEMPT OF GETTING THIS ACCOUNT REMOVED FROM MY CREDIT REPORT BEFORE PURSUING LITIGATION CONCERNING THIS SERIOUS MATTER. If this documentary evidence can not be produced and CKS PRIME INVESTMENTS , LLC, continues its collection efforts, I will file for litigation for actual damages caused and CKS PRIME INVESTMENTS , LLC, will be held criminally liable for aggravated identity theft pursuant to 18 USC 1028A, extortion, theft by deception, securities fraud, and mail fraud. Upon the receipt of the documents herein and of this notice, you are hereby notified Pursuant UCC 1-202f. Your prompt attention and response are both requested and required. I'm also requesting A FULL REFUND of the settlement that was made pursuant to 15 USC 1692h.
|
| 06/30/2023 |
Yes |
- Debt collection
- Credit card debt
|
- Communication tactics
- Frequent or repeated calls
|
|
Web |
Servicemember |
|
I am writing to lodge a formal complaint against XXXX XXXX XXXX, CKS Financial and CKS Prime Investments , LLC, an entity operating under the holding company Velocity Investments , LLC, spearheaded by XXXX XXXX XXXX XXXX.
Over the past few months, I have received multiple unsolicited calls from a number associated with these organizations. On each occasion, the callers have been reticent about their identities and their company 's purpose. This includes not properly identifying themselves, abruptly ending the call when asked for identification, and insisting on personal confirmation before disclosing any information.
Specifically, the dates and times of the calls are as follows : XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX All but the last were unanswered as I was unable to while working. On the day of the final call, I decided to answer the phone. During this interaction, the representative asked for my name without properly identifying himself or stating the purpose of the call. After multiple attempts to ask for his identity and company representation, he abruptly hung up. This call lasted a mere XXXX seconds.
Immediately following this, I called back, hoping to gain clarity about the nature of these continuous calls. However, the representative I reached, again, refused to identify himself or the company he represented, and immediately asked if I was " '' This call ended after XXXX seconds, with little progress made.
I called back one more time and I was able to speak with a female representative who informed me that they were calling from " XXXX XXXX XXXX '' on behalf of their client, CKS Prime Investments , LLC. I was told that I owed a debt significantly higher than what has ever been reported on my credit report. The representative claimed that such increases were normal, and cited an example of a consumer who had a {$200.00} XXXX card but had to pay {$700.00}. I was shocked at this admission. I inquired about how to remove this from my credit report, but was informed that even if I paid in full, CKS Prime Investments would not remove the mark from my credit history, only label it as " paid in full. '' There are inconsistencies with the debt amount these companies claim I owe. Not only is the amount higher than the original credit limit of the card, but I was also informed that even if the debt were to be paid in full, it would not be removed from my credit report. Furthermore, the debt is being reported twice, once by XXXX XXXX XXXX and again by CKS Prime Investments. This claim appears to be part of a pattern of trading debt among affiliated companies to maximize profits or evade regulatory scrutiny.
|
| 01/02/2024 |
Yes |
- Debt collection
- I do not know
|
- Attempts to collect debt not owed
- Debt was result of identity theft
|
|
Web |
Servicemember |
|
I was contacted in XXXX about a debt to a company called CKS. I had a problem with this company about 3 years ago regarding a debt. They appeared on my credit report. I had no idea who they were fought to get them finally removed from my report in XXXX. No communication was made by them to me at any point to resolve this. No payment option. No verification or anything. They just appeared on my credit report.
In XXXX of XXXX I was served at my house by a cop. Not a process server. That seemed to be some sort of intimidation tactic. The cop had no idea what the document was about. Once I opened it and saw it was the same CKS from a few years back. I immediately wrote to the local clerk of courts and to the. Law firm for CKS to explain that the debt was not made and to provide verification of the debt.
There was no case number, my name was typed wrong, and the address was wrong. The documents they provided showed some sort of debt. It looked legit, but I have no idea. But it no way did it show it was mine. Some random numbers and letters that could have easily been typed up as fraud. I requested to receive the verification within 30 days. I never got it. Never heard from them. I considered the case close.
Fast forward to XXXX of this year. I received another document from the same law firm about this case. This time with a case number as part of a law suit. Again, no communication to reach out to me to verify or go over options. Just straight to lawsuit. I again sent a debt verification letter. I called the law firm on the document and they said they could not comment on this.
I never received that request either. I never heard from anyone. I decided to look on the clerk of court website to see if there was any information about this case since I have not heard from anyone. Under the case, it looks like they have been filing motions and moving to final judgement. How could that be if I never heard back from someone. And I never got the verification of the debt.
This company remains off of my credit report. Theyve done one shady thing after another. Theyve completely ignored my request. Theyve completely ignored the fact that I am the victim of identity theft. If this debt is even real, my guess is that has something to do with it.
If this is some old debt that i forgot about. That is from a company that changed names multiple times then that should be explained too. Id be more than happy to set up an affordable payment plan if that is the case. However, I would still need complete documents of where this debt came from. How old is it. Is it past the statute of limitations on collection. But I dont believe that is the case. This is either fraud/ID theft, they have the wrong person, or this debt is simply not real.
I am asking CKs Invesment and O @ L law firm to provide the information I am requesting. If they can not provide that, then I am going to assume they dont actually have proof that the debt is mine and the case close.
|
| 03/10/2021 |
Yes |
- Debt collection
- Credit card debt
|
- Attempts to collect debt not owed
- Debt was paid
|
|
Web |
|
|
Velocity Investments , LLC is deliberating and diligently engaging in flagrantly violating federal laws. I reached out to them via my last CFPB complaint to resolve this issue swiftly. However, they have chosen to delay and be deceptive and misleading with their last response to my CFPB complaint. Velocity admitted to illegally purchasing and communicating with XXXX XXXX XXXX about this alleged debt and account account which are both individual violations of federal law. They also are stating I owe the alleged debt on this account and are one of the current furnishers of this account to my consumer reports as they have admitted to illegally purchasing it from XXXX XXXX XXXX Velocity Investments , LLC blatantly continues to break federal laws by sharing details of said alleged debt and account with XXXX XXXXXXXX XXXX who they claim is their servicer. This violates several federal laws which are all outlined in my Affidavit of Truth attached below, more egregiously my right to privacy which I own. XXXX XXXX XXXX stated to me via the CFPB that Velocity Investments , LLC furnished all this inaccurate and false account information to them in XX/XX/XXXX and also told them this information is all accurate allowing this alleged servicer to keep furnishing this inaccurate negative account to my consumer reports. They do so based on clear instructions from Velocity Investments , LLC who can and must instruct them to delete these account from my consumer reports immediately. As the federally protected consumer and natural person pursuant to Title 15 Chapter 41, I have made my demands known to Velocity Investments , LLC as is my right under federal law. Attached below is my Affidavit of Truth which Velocity Investments , LLC received and signed for on XX/XX/XXXX which outlines all my demands as the federally protected consumer. All of my outlined remedy are demands and not request. My Affidavit of Truth outlines all of Velocity 's individual willful violations of federal law along with a clear break down of the federal law to avoid any confusion. I advise whoever receives this complaint and Affidavit of Truth at Velocity Investments , LLC to forward it to their executive leadership team and legal team. This is my first official step in my private administrative process and their legal team will understand what this means. Included in my attached Affidavit already in their possession is my invoice which Velocity must pay to resolve all outlined issues ( federal law violations ). This is also a demand pursuant to federal law as is outlined in the attached document. Failure to resolve this matter swiftly only causes me more injury and will have much more of an adverse effect for Velocity as I advance in my private administrative process in the near future.
|
| 01/18/2023 |
Yes |
- Debt collection
- Credit card debt
|
- False statements or representation
- Indicated you were committing crime by not paying debt
|
|
Web |
|
|
Dear Consumer Financial Protection Bureau, I am writing to file a complaint against CKS Prime Investments LLC, a debt collector, and the original creditor, XXXX XXXX XXXX XXXX XXXX, for the illegal and unlawful collection and reporting of a debt that was charged off as an asset for the creditor.
CKS Prime Investments has reported the debt as fully paid, despite the fact that it was legally considered an asset for the creditor with the charge-off. This act violates the Fair Credit Reporting Act ( FCRA ) 15 U.S.C. 1681s-2 ( a ) ( 4 ), which prohibits the reporting of debt as fully paid when it has been charged off. This act also violates the FCRA 15 U.S.C. 1681s-2 ( a ) ( XXXX ), which prohibits the reporting of a debt that is not legally enforceable against the consumer, intentionally hurting my XXXX XXXX with prejudice and without a legal contract with me from the inception of the debt with the original creditor ( XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX
Additionally, CKS Prime Investments and the original creditor have violated the Consumer Financial Protection Act ( XXXX ) by collecting and reporting a debt that was charged off as an asset for the creditor. Specifically, this act violates the XXXX 's provisions on consumer protection, in particular, 12 U.S.C. 5531, which prohibits any act or practice that is unfair, deceptive, or abusive to consumers.
Furthermore, CKS Prime Investments and the original creditor have violated the Truth in Lending Act ( TILA ) by not providing accurate and complete information about the debt and the terms of repayment. Specifically, they have violated XXXX 15 U.S.C. 1632 ( a ) by not providing accurate and complete information about the nature and terms of the debt, and XXXX 15 U.S.C. 1639 ( a ) by not providing accurate and complete information about the terms of repayment.
Additionally, CKS Prime Investments and the original creditor have violated the Unfair, Deceptive, or Abusive Acts or Practices ( UDAAP ) under the XXXX XXXX XXXX Reform and Consumer Protection Act by collecting and reporting a debt that was charged off as an asset for the creditor. This act violates XXXX 's provisions on consumer protection, specifically 12 U.S.C. 5531, which prohibits any act or practice that is unfair, deceptive, or abusive to consumers.
I respectfully request that the Consumer Financial Protection Bureau investigates these violations, holds CKS Prime Investments LLC and XXXX XXXX XXXX XXXX XXXX accountable, and requests them to submit a removal of this illegal, unlawful, and collection abuse from my credit report. I also request that these XXXX companies ask the reporting agencies to send me a corrected copy of my report upon deletion.
Thank you for your attention to this matter.
Sincerely, XXXX XXXX
|
| 02/04/2021 |
Yes |
- Debt collection
- Other debt
|
- Took or threatened to take negative or legal action
- Threatened or suggested your credit would be damaged
|
|
Web |
|
|
In XX/XX/XXXX I was contacted via mail by a company called Velocity Investments LLC who referred to themselves as a " debt collector ''. I responded to them disputing their attempts to collect some debt they were saying I owed them since I never heard of these people, following up in XX/XX/XXXX after they ignored my request to validate. I again followed up in XX/XX/XXXX when these people failed to give me what I asked for, which was proof that I owed them money, and told them if they can not provide this to stop contacting me. Approximately one year later I received a letter from an attorney named XXXX XXXX XXXX ( also identified as a debt collector ) stating that they were collecting for Velocity. I have no clue who either of them are, and I asked him to also prove to me that we had a relationship, provide me with a contract etc. fast forward to XX/XX/XXXX, a docket was opened in XXXX County Florida ( Case # XXXX ) stating that Velocity Investments was now suing me, meanwhile I have written multiple letters etc prior to this telling them to stop contacting me and to simply prove to me that I have done business with them. Now their attorney or whoever it is has been trying to bully me into paying them when the initial questions I asked were never addressed. Even on the docket, I asked for discovery and they deflect etc. This case has been ongoing since XX/XX/XXXX and we havent gotten to the actual merit of the case their attorneys are trying to defeat me based on court procedure because I am representing myself and I am not an attorney, nor did I feel that I needed one because I did not think this would drag on like this because I do not know these people. I simply asked them to present a contract and proof that I owe them money and up until this point they haven't. We were forced by the judge to a court ordered mediation where they presented some " witness '' XXXX XXXX ( I am not sure if it was really him because he was a black silhouette and went by the name XXXX XXXX ) and they were trying to force me to settle ( although they never proved I owe them money ) which I do not understand how if we never discussed the case at all, so naturally I refused and we are prepping for a trial I guess. I am willing to continue at this point but the deceptive and abusive practices of companies like this must stop. To keep this going is a waste of time and tax payers money, and to attempt to force a person to settle on a debt that they have not proven was owed to them seems to be a common practice unfortunately in the debt collection industry and it appears that now they are leveraging the legal system in attempts to obtain default judgements, especially from what they perceive as low income minorities, which they seem to target exclusively.
|
| 09/18/2020 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Problem with a credit reporting company's investigation into an existing problem
- Their investigation did not fix an error on your report
|
|
Web |
|
|
This complaint is regarding an unsecured loan with XXXX XXXX. Original amount was for a total of {$1500.00}. This amount was paid in full. However, somehow it was sold to a collection agency for a supposed amount that was not paid. I spoke with a Rep within XXXX XXXX that could not find the account, stating it had been sold to another group. She explained when these account are sold off, they no longer retain any records of these account. There was nothing she could find for me. She then further explained that at times, a missed payment fee or late fee, if left unpaid can incur other charges such as legal fees, and other non-payment penalty fees. This could possible explain why this account is showing on my credit report as over 6 months unpaid -account owing over {$8000.00}. Upgrades number is XXXX.
I was then advised to contact Velocity about this matter, the company that had purchased this collection account. I contacted Velocity, spoke with a gal named XXXX. They simply asserted I owed that much and wanted payment. I wanted whatever proof or documentation they could show to establish the legitimacy of this claim. I strongly deny and dispute having this debt. {$1500.00} was the loan, and it was paid. They explained they did not have any records, but they have the account and want payment.
I have submitted a formal dispute with Velocity, sent this via fax to XXXX on XX/XX/XXXX @ XXXX and XX/XX/XXXX @ XXXX. No response back from Velocity. Just collection calls.
On XXXX XXXX I had received a letter from XXXX XXXX regarding {$7800.00} a debt they were collecting on behalf of XXXX XXXX. Somehow, they now have the account. I submitted a written dispute via certified mail, XX/XX/XXXX to XXXX XXXX. It was received per the signature card on XX/XX/XXXX.
No response from XXXX. I have asked for proof or documentation to establish legitimacy of the amount they say I owe. I have yet to receive anything.
I then filed a dispute with XXXX.
Explained this matter, asked for the companies involved to furnish proof, explained they claimed they had no files or documents. It was just a purchased account for collection. I asked to have my record show that the correct amount was for {$1500.00} and was paid. Wanted the late payment dates corrected to reflect this. The results I received were that these companies state the account is valid an no changes would be made to my credit report.
Without some sort of proof, documents, or any other substantiating paperwork, how can they say someone just owes that? What stops them from later saying I owe XXXX? This is not good at all.
This has really damaged my credit report. I want to ask that this be corrected on my report. I did have a loan originally with XXXX XXXX, for {$1500.00}, it was paid.
|
| 12/22/2023 |
Yes |
- Credit reporting or other personal consumer reports
- Credit reporting
|
- Improper use of your report
- Reporting company used your report improperly
|
|
Web |
|
|
I am writing to express my concern and dissatisfaction with how XXXX, XXXX, and XXXX as consumer reporting agencies, have handled my private information. As a federally protected consumer, I believe that my rights under the Fair Credit Reporting Act ( 15 USC 1681 ) and the Right to Financial Privacy Act ( 15 USC 6801 ) have been infringed upon.
Under 15 USC 1681 section 602 ( a ), it is mandated that consumer reporting agencies conduct their responsibilities with fairness, impartiality, and a profound respect for the consumer 's right to privacy. Additionally, 15 USC 6801 establishes the explicit policy that financial institutions, including furnishers of information to credit agencies, have an ongoing obligation to uphold customer privacy. The companies listed in my FTC report have violated there terms and conditions under the privacy act of 1974.
I would like to bring to your attention that, according to 15 USC 1681 section 604 ( a ) ( 2 ), consumer reporting agencies are only permitted to furnish a consumer report in accordance with the written instructions of the concerned consumer. Regrettably, I have not provided written consent for the disclosure of my information to XXXX, XXXX, XXXX, or the furnisher of information to credit agencies.
Furthermore, I am exercising my right to opt-out of the reporting services, as outlined in 12 CFR 1016.7, which states that a consumer may exercise this right at any time. Despite this, I have not been informed of my ability to exercise the nondisclosure option, as required by 15 USC 6802 ( b ) ( c ).
It has come to my attention after reviewing my most recent consumer file that XXXX, XXXX, and XXXX are reporting adverse information without my consent, which is a direct violation of 15 USC 1681C ( a ) ( 5 ). This action is also contrary to the provisions of 15 U.S. Code 1681s2 ( a ) ( 1 ), which prohibits the furnishing of inaccurate information to consumer reporting agencies.
Moreover, 15 U.S. Code 1681e emphasizes the necessity for consumer reporting agencies to maintain reasonable procedures to avoid violations of the sections above. In this regard, XXXX, XXXX, and XXXX have failed to uphold such reasonable procedures.
I demand that my privacy rights are respected and upheld in accordance with federal laws and the accounts listed be removed from my consumer file as I did not authorize any of the companies to furnish my information Additionally, I am revoking any and all consent, whether verbal, non-verbal, written, implied, or otherwise, for the disclosure of my information to XXXX, XXXX, XXXX, and all the financial institutions reporting my private information to the credit agencies.
I appreciate your attention and expect a prompt and comprehensive resolution.
|
| 04/28/2017 |
Yes |
- Debt collection
- Credit card debt
|
- Threatened to contact someone or share information improperly
- Contacted your employer
|
|
Web |
|
|
In XXXX XXXX , I was contacted by XXXX XXXX XXXX of XXXX XXXX , CO through their XXXX , AZ office indicating that they were representing Velocity Investments, LLC regarding a loan that I had with XXXX XXXX XXXX that was purchased by Velocity Investments, LLC. XXXX XXXX XXXX proceeded to violate multiple sections of the FDCPA and Colorado FDCPA as well as numerous Illinois consumer protection laws regarding debt collectors. Specifically, XXXX XXXX XXXX called my employer 20 times in one day and when I did not timely return a message that was left, the collector called every member of the executive management team at my place of employment and left messages on each persons voice mail to contact XXXX XXXX XXXX regarding a matter concerning me. A message was also left on the HR Mgr. voice mail to call regarding an issue with my payroll. I was threatened with wage garnishment and the debt was disclosed twice to my Mother who is not a responsible party to the loan. After numerous emails asking the agency to stop calling me at work and being ignored, I finally submitted a cease and desist request to the owner of the company and threatened to sue them for the FDCPA violations. The matter was referred to the corporate attorney Mr. XXXX XXXX who subsequently offered me a cash settlement of {$1000.00}. I rejected the settlement offer and requested that the issue of the debt be resolved. Mr. XXXX informed me that XXXX XXXX XXXX nor he is no longer handling the account and that it has been referred back to Velocity Investments, LLC who now owns the account and that legally he nor XXXX XXXX XXXX can discuss the account with me. I have sent 3 unanswered emails to Velocity Investments, LLC in an a ttempt to find out who is handling the matter in an attempt to address not only XXXX XXXX XXXX and their abusive collection tactics on behalf of Velocity but the debt and its disposition. No one will respond to me. I contacted Mr. XXXX XXXX by phone who identifies himself as the Compliance Officer a t Velocity Investments, LLC and he claims that he needs to confirm from XXXX XXXX XXXX that they are no longer handling the matter before he can discuss it with me. I gav e Velocity Investments, LLC more than 10 days to confirm that and contact me and they have not done so. If Velocity Investments, LLC refuses to address the issue of the debt with me and the abusive and illegal collection tactics of their collection agency with me, I believe that the CFPB should intervene on my behalf and also take discipline actions and monetary sanctions against Velocity and XXXX XXXX XXXX .
|
| 10/14/2023 |
Yes |
- Debt collection
- I do not know
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
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|
Be advised this is not a refusal to pay, but a notice sent pursuant to the Fair Debt Collection Practices Act, 15 USC 1692g Sec. 809 ( 8 ), stating your claim is disputed, and debt validation is requested.
This is NOT a request for verification or proof of my mailing address, but a request for VALIDATION made pursuant to the above-named Title and Section. I respectfully request your offices provide me with competent evidence that I have any legal obligation to pay you.
At this time, I will also inform you that if your offices have reported invalidated information to any of the 3 major credit bureaus ( XXXX, XXXX, or XXXX ), this action might constitute fraud under both Federal and State Laws. Due to this fact, if any negative mark is found on any of my credit reports by your company or the company that you represent, I will not hesitate in bringing legal action against you and your client for the following : Violation of the FCRA Violation of the FDCPA Defamation of Character If your offices are able to provide the proper documentation as requested in the following Declaration, I will require at least 30 days to investigate this information, during which time all collection activity must cease and desist. Also, during this debt validation period, if any action is taken which could be considered detrimental to any of my credit reports, I will consult with my legal counsel.
This includes any listing of any information to a credit reporting repository that could be inaccurate or invalidated. Your office failed to respond to this debt validation request within 30 days from the date of your receipt, all references to this account must be deleted and completely removed from my credit report, and a copy of such deletion request shall be sent to me immediatelyPlease provide the following : Agreement with your client that grants you the authority to collect on this alleged debt.
Agreement that bears the signature of the alleged debtor wherein he/she agreed to pay the creditor.
Any insurance claims been made by any creditor regarding this account.
Any Judgments obtained by any creditor regarding this account.
Name and address of alleged creditor.
Name on file of alleged debtor.
Alleged account number.
Address on file for alleged debtor.
Amount of alleged debt.
Date this alleged debt became payable.
Date of original charge off or delinquency.
Verification that this debt was assigned or sold to collector.
Complete accounting of alleged debt.
Commission for debt collector if collection efforts are successful.
|
| 11/06/2022 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt was result of identity theft
|
|
Web |
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|
XXXX XXXX XXXX XX/XX/XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Nv, XXXX Last XXXX of SSN # XXXX XXXX : Consumer Financial protection bureau To whom it may concern I am writing to dispute the following information on my credit report. I recently received a copy of my credit report, and I found the following information reporting to my credit.
Account # XXXX amount {$740.00} Account # XXXX Amount {$1400.00}, CKs Prime XXXX XXXX XXXX XXXX XXXXXXXX XXXX NJ XXXX inaccuracy dates and the amount owed opened XX/XX/XXXX, status updated XXXX XXXX, Balanced updated XX/XX/XXXX in the amount of {$740.00} and {$1400.00} By you continuing to report accounts on my credit report without my written consent along with you not respecting my right to my privacy this is identity theft Any transaction on here is a transaction that was from real life experience which is suppose to be excluded from my consumer report You are continuously updating the date of the last activity every single month on these collection accounts. It is clearly obvious that you are prolonging the statute of limitations for these account to make them last longer on my consumer report.the date last active is XXXX XXXX and I'm sure you will change it in the next month Im not sure if you have some type of business relationship with the collections agency but i am not happy that you are changing the date every month. This account was put on my report XXXX XXXX and you are making this account look newer than what it really is which is false and misleading.
Delete This inaccurate account from my report or I will be pursuing litigation for actual damages of artificially damaging my XXXX score Please tell me how you verified these items as I have a right to know since the investigation you did last month is already over. Who did you talk to the original grantor? Did you write? I have no knowledge of this creditor nor did I give authorization for this creditor to report on my account. I literally have no knowledge of this account and this is identity theft.
I recently reviewed my credit profile and noticed inaccuracies and/or incomplete information, and accounts that are inaccurate, According to the Fair Credit Reporting Act, Section 611 ( 5 ) ( A ) of the FCRA -You are required to promptly DELETE all information that is inaccurate, incomplete, or which can not be verified.
I await your reply. Once you have fulfilled my request, Mail me an updated credit report reflecting the changes.
Sincerely, XXXX XXXX XXXX
|
| 01/29/2023 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Improper use of your report
- Reporting company used your report improperly
|
|
Web |
|
|
This letter is in response to your recent claim regarding account # XXXX which you claim I owe {$1300.00}.
Yet again, you have failed to provide me with a copy of any viable evidence bearing my signature showing the account is being reported accurately.
Be advised that the description of the procedure used to determine the accuracy and completeness of the information is hereby requested.
Additionally, please provide the name address and telephone numbers of each person who personally verified this alleged account so that I can inquire about how they verified without providing any proof bearing my signature.
As per FTC opinion letter from Attorney XXXX XXXX XXXX, you should be aware that a printout of a bill or itemized document does not constitute verification.
I am again formally requesting a copy of any documents, bearing my signature, showing that I have a legally binding contractual obligation to pay you the alleged amount.
Be aware that I am making a final goodwill attempt to have you clear up this matter. The listed item is inaccurate and incomplete and represents a very serious error in your reporting.
I am maintaining a careful record of my communications with you for the purpose of filing a complaint with the consumer financial protection bureau, and the attorney generals office. Should you continue in your noncompliance of federal law under the fair debt collection practices act, the fair credit reporting act, and the corresponding local state laws. I further remind you that you might be liable for your willful noncompliance.
Failure on your behalf to provide a copy of any alleged contract or other instrument bearing my signature may result in a small claims action against your company. I will be seeking a minimum of {$1000.00} in damages per violation for : -defamation -negligent enablement of identity fraud -Violation of the fair credit reporting act, ( including but not limited to section 8078 ) -Violation of the fair credit reporting act, ( including but not limited to section 623 b ) You will be required to appear in a court venue local to me in order to formally defend yourself.
PS please be aware that depending on 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 : Consumer Financial Protection Bureau CC : Attorney Generals Office CC : XXXX XXXX XXXX
|
| 07/30/2022 |
Yes |
- Debt collection
- Credit card debt
|
- Written notification about debt
- Didn't receive enough information to verify debt
|
|
Web |
|
|
Back in the Begging of XXXX I disputed this collection account that was on my Credit report from CKS Prime Investments LLC I had never heard of this company, nor had I received anything in the mail from them. On XX/XX/XXXX, XXXX, XXXX, XXXX, XX/XX/XXXX, XX/XX/XXXX, and on XX/XX/XXXX, I got the same repeated text message from them trying to collect the debt which they had yet to verify with me. On XX/XX/XXXX I actually reached out per the number on my credit report the phone number on XXXX is XXXX on my XXXX the number is completely different and then also this number that's texting me is different its XXXX XXXX XXXX. This was very confusing and to top it all off there are three different entities trying to collect. You have CKS XXXX reaching out CKS Prime Investments LLC Reaching out and also Velocity Investments LLC. This has really been frustrating because my credit report says CKS Prime Investments but these other companies are reaching out about the same debt. When I called on the 8th I requested a debt validation letter and also the original Contract with my signature from the original creditor and I have yet to receive anything. I have reached out multiple times requesting this information and haven't received it yet. on XX/XX/XXXX I even texted the number that text me requesting it and in the text it says They reply to them. I will attach. By law they were suppose to give me this information by 5 days in which I have 30 days to respond to it. This has not happen. On XX/XX/XXXX I called at XXXX am, they were closed but I left a voicemail asking for the same information and never heard back. I also called today XX/XX/XXXX and left a voicemail requesting that Information again.
I want this account removed and deleted and not put back on my report or resold. That is illegal, According to 15 U.S.C. Sec1681i ( a ) if proof cant be provided it must be deleted Secondly The reporting on this account is also not accurate and up to date across the board with all three credit reporting Bureaus which I have disputed with them and it still has not been fixed.
In accordance with the Fair Credit Reporting Act XXXX Account # XXXX has violated my rights 15 U.S.C 1681 602 A States I have a right to privacy 15 U.S.C 1681 602 A Section 2 : States a consumer reporting agency can not furnish a account without my written instructions.
Please remove this account.
|
| 11/02/2016 |
No |
- Debt collection
- Credit card
|
- Taking/threatening an illegal action
- Attempted to/Collected exempt funds
|
|
Web |
|
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I would like to file complaint against XXXX and XXXX XXXX. This is a third party debit collector. I have a very old debit from 2009. I have proof and documents that I had a payoff and settle agreement with another collector. XXXX and XXXX decided to garnish my wages on the same account. When I recieved notice of the garnishment I submitted proof from the other collector the settlement prior to the court date. XXXX and XXXX advised that they will not except the documents I sent and that if I paid over {$13000.00} to them they will close the account. I told them I dont have {$13000.00} and they told me they were going to go ahead and garnish and there was nothing I could do. Of course I do not know my legal rights and thought that because this stamped paper I had no defense. I then proceed to get multiple calls from other collectors for the same account. One collector advised that they would garnish my wages and I had to send proof. This got me thinking how and why. I called the origional collector and they advised on two seperate occasions that my information can be put back into the system. I called XXXX and XXXX and I guess they have held on to this account for a long time letting it build interest. When I asked why they didnt contact me they said they sent a letter over a year prior which I never recieved. When I asked why they didnt except my proof they acted like they had no idea what I was talking about. When I asked who is collecting the interested they could not give me a answer, when I mentioned I was going to record our call they hung up on me. When I asked for verification they sent me a court paper with some other collector on it, nothing said XXXX and XXXX only the envelope it came in. I found out I can contact court documents and get the same thing, I can also print off a wage garnishment form online as well. I contacted the origional collector Velocity Investments. I was able tosubmit the proof to them. I got a call the day after I submitted the proof and they advised that this account should be closed. I had a hard time but was able to get to the collector I had the settlement with for a payoff. I submitted this to Velocity and they still havent closed the account. I have now been garnished over {$8000.00} on a settlement of {$2800.00} I also had to pay over {$200.00} in fees. This is extorshion.
|
| 01/16/2023 |
Yes |
- Debt collection
- Payday loan debt
|
- Took or threatened to take negative or legal action
- Threatened to sue you for very old debt
|
|
Web |
Servicemember |
|
XXXX XXXX XXXX called me on Friday XX/XX/XXXX at XXXX XXXX. I spoke with Al XXXX first. He informed me that he was calling on behalf of XXXX XXXX Bank to collect on a debt in the amount of {$9900.00}. He said my account was in a pre-legal status and the company XXXX had already chosen an attorney in my area if I didnt pay the debt. I told him I couldnt pay the full amount but I could begin making payments. He said your account is currently in a Pre-legal status so you need to pay in full I said what if I dont pay in full? He said then we will refer your account back to XXXX Bank and they will send it to the attorney they have already chosen. I explained to him I can not pay the full amount. He said well I could reduce it down to {$4500.00}. I said I dont have a large amount to pay. I can only make payments. He then put his alleged supervisor on the phone XXXX XXXX. He told me he could get it approved for {$3900.00}. I explained again I dont have a large amount. I can only make payments. He then told me he was looking at my credit report and he could see a XXXX bank card that had the availability balance on it. Im really not sure HOW he could see my credit report because I did not authorize him to run my credit at all to view my creditors.
I told him that cars was my husbands and I couldnt use it. He then told me that the full balance is due and asked if I have anyone that could pay it? I said I might could call my parents. So I told him I would call him back. He was very insistent that I place him on hold and call my mom. I told him I couldnt do that. He said XXXX more times. I then told him no and I would call him back.
Finally I remembered receiving a letter stating the account XXXX was actually placed with a company called Velocity Investments. So I called them and asked about this and they informed me XXXX does NOT have the authority to send my account to an attorney. So they lied to me about that.
I called XXXX back and spoke with XXXX XXXX again and told him this and he played XXXX and acted like he never gave me that impression.
Im sure if the recording was pulled it would be proven he did threaten an attorney when they dont have authority to do that since the account is technically owned by Velocity Investments .
Im attaching the letter where they told me they could get me down to XXXX to pay.
|
| 04/25/2023 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Account status incorrect
|
|
Web |
|
|
Subject : Follow-up Complaint Regarding CKS Prime Investments , LLC ( Complaint # XXXX ) Dear Consumer Financial Protection Bureau XXXX XXXX XXXX XXXX to follow up on complaint # XXXX regarding CKS Prime Investments , LLC. The company has responded to my complaint by stating that the account in question was settled in full, and they do not participate in a " paid to delete '' strategy. I must inform you that this response is incorrect and misleading.
During my conversation with a representative from CKS Financial on XX/XX/XXXX, I was explicitly told that if I paid the amount of {$210.00}, the collection would be removed from my credit report. I made the payment based on this assurance, but CKS Financial has not upheld their end of the agreement. Instead, they have reported the account as " settled in full, '' which still negatively impacts my credit.
Furthermore, I have noticed that XXXX is currently showing the collection account as open, which adds to the confusion and misinformation surrounding CKS Financial 's reporting practices.
I have come across numerous examples of other consumers who have experienced similar issues with CKS Prime Investments , LLC. These individuals have been misled, scammed, and negatively impacted by the company 's deceptive practices. It is evident that CKS Prime Investments , LLC engages in unethical and potentially illegal activities, which warrant further investigation by the CFPB.
I hereby request the Consumer Financial Protection Bureau to investigate CKS Prime Investments , LLC and their shady business practices. Consumers like myself should not have to suffer the consequences of false promises and misinformation.
For your reference, here is the context of my original complaint : I paid a collection from CKS Financial on XX/XX/XXXX for the amount of {$210.00}. During my conversation with XXXX of the agents, I was told that if I paid the amount, the collection would be removed from my credit report. It looks like a mark from CKS was later added in XXXX of XXXX after a payment of {$210.00} was made. I have tried to contact CKS Financial but they will not return my calls or email.
I appreciate your attention to this matter and hope that you will take the necessary steps to protect consumers from CKS Prime Investments , LLC 's unethical practices.
|
| 11/17/2021 |
Yes |
- Debt collection
- Credit card debt
|
- Attempts to collect debt not owed
- Debt was paid
|
|
Web |
|
|
I contacted XXXX XXXX for the debt owed on my XXXX XXXX account back in XXXX of 2021. At this time, it was reporting negatively on my credit report but had not yet shown up as collections on my credit report. XXXX XXXX were not willing to negotiate the debt at all and had informed me that it had been sent to collections, XXXX to be exact. I contacted this company by calling XXXX and set up arrangements for a settlement to be paid in full on XX/XX/XXXX. I explained that I was getting ready to purchase a home and it was important to me to get things cleared up quickly and before any collections hit my credit report. The lady I spoke with assured me that they would contact the credit reporting agencies within XXXX weeks of receipt of payment to report the debt as paid, settled in full. They drafted {$510.00} from my checking account on XX/XX/2021 and I received a confirmation letter shortly after confirming the debt had been paid.
Today, XX/XX/2021, I checked my credit report as I WAS supposed to be applying for a home loan next month and XXXX showed up on my credit report as owing a balance of {$330.00} on an original balance of {$840.00} to XXXX XXXX. I called the company to see what happened and they stated that there was a mix up in communication and the settlement was never reported to anyone, and not only that, but on XX/XX/2021 XXXX reported this debt that had been paid, as collections to the credit reporting agencies. Over 45 days AFTER the debt had been paid, they reported as collections, even though it had been paid. I am very upset and asked the person I spoke with at XXXX, since they knew it had been paid in XXXX and then still reported in XXXX if they could correct their error and contact the credit reporting agencies and have the collections account removed. They said they would not and was adamant that the information currently being reported was correct. I have PROOF this account was paid and have a letter from XXXX confirming receipt of payment and settlement of debt and they STILL WOULDN'T do anything to remove the account.
I would like this debt to be completely removed from all three credit bureau accounts, as well as the original creditor to be reflected accurately, as it still shows that it's in derogatory status and unpaid.
|
| 03/06/2023 |
Yes |
- Debt collection
- Credit card debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
Notice of Dispute Please be advised that this is not a refusal to pay but a notice sent pursuant to the Fair Debt Collection Practices Act, 15 US Code 1692g, that validation is requested. I respectfully request that your offices provide me with competent evidence that I have any legal obligation to pay you regarding the following account number ( s ) : Account # XXXX * Agreement with the original creditor that authorizes you to collect on this alleged debt and/or verification that this alleged debt was assigned or sold to you. * 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 in XXXX has not expired. * Complete payment history on this account along with an accounting of all additional charges being assessed * Proof that you are licensed to collect in my state ; and * Your license numbers and Registered Agent or Agent of Service. 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 if any exist must be immediately deleted and completely removed from my credit file. Moreover, all future attempts to collect on the said debt must be ceased. This will also serve as your legal notice under the federal Fair Debt Collection Practices Act ( FDCPA ), to cease all communication with me concerning the alleged debt referenced above. Do not contact me, members of my family, employers, or any other third parties regarding this debt. This includes all communication by telephone or electronic communications, such as email or texts made by your company, representatives, or agents. If your offices, representatives, or agents attempt communication with me, members of my family, employers, or any other third parties, it will be considered harassment and I will bring this matter before a judge. All future communications with me MUST be done in writing via the CFPB. 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.
|
| 03/05/2022 |
Yes |
- Debt collection
- I do not know
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
I have been receiving letters and a voicemail message from XXXX offering a discount on a debt of {$2500.00} that needed to be taken care of. They said they were issuing a XXXX against me. I had no idea what the debt was for so I went to the website and found that it was a debt that my ex-husband incurred several years after our divorce was final XX/XX/XXXX, XXXX XXXX, TX.
I found the case online and stated that it was not my debt that I had been divorced since XXXX and requested they cease and desist contacting me for a debt that I did not owe.
In less than 2 weeks they called my husband 's phone and requested to speak with XXXX XXXX ( my ex-husband 's name ). They said they were collecting a debt that I owed and he gave me the phone.
I informed the woman on the phone that it could not possibly be my debt because it happened several years after my divorce. I only know that because I asked her what year it was from. I informed her that I had a voicemail from her company stating that they would report me to the credit bureau and IRS. She said that her company does not ever threaten to do that ( see attached folder ). I also requested that she send me some proof with my signature on it for the debt they were collecting. I have not received that from them, just papers to fill out for fraud. I can not fill out fraud papers if I do not know what the debt is for or if someone was impersonating me in the mid XXXX.
They have refused to listen to me or address my request for proof of a debt that is over XXXX XXXX XXXX. Unfortunately I am tied to that man since I was married to him from XXXX to XXXX. After some research I did discover that he died in XX/XX/XXXX. I have had no contact with him since the divorce and do not know what happened in his life since XXXX.
I do know that the debt is not mine. I had to pay off his tax debts for the last 2 years of our marriage because he would not file his taxes.
I have received no proof that my name or signature was ever on that debt. It is not on my credit report and this company needs to be reported. I am attaching a transcript from the voicemail that stated they had filled out a 1099C tax form.
Fraud forms sent to me are from XXXX XXXX XXXX XXXX showing creditor as Velocity Investments , LLC
|
| 05/15/2023 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Account status incorrect
|
|
Web |
|
|
My XXXX XXXX credit card was charged off and sold to CKS Financial in XX/XX/XXXX. On XX/XX/XXXX I called CKS Financial to see if they offered a settlement to pay the account. At the time, the account was not reporting to the credit reporting agencies. Before I made a payment, I asked the customer service rep if it will report to the credit reporting agencies in the future and she replied no since it was not already reporting. I asked agent if she could send me a letter stating that. I was told after I make the payment, I would receive a letter via email stating it would not report to the credit bureaus upon settlement. On XX/XX/XXXX, I received a document to my email from CKS financial administrator, but it was not a statement saying it would not report to the credit bureaus, instead it looked to be a confirmation of my agreement to debit my checking account and showed my payment amount of {$450.00} and balance {$0.00}. I also received a letter via mail that showed my settlement amount and stated my account was " closed ''.
6 months later I received a credit monitoring alert I had a " new collection '' on my XXXX credit report. CKS Financial had inserted the settled account on my credit report under the name CKS Prime Investments , LLC and listed the account type as " open account '' and listed the closed date as XX/XX/XXXX. I called CKS in XX/XX/XXXX and spoke to a manager. I disputed the Account being " open '' and the date they were reporting the account closed. The manger told me if I would pay the " difference '' between the charged off amount of {$720.00} and the amount I settled, {$450.00}, She would remove the account from my XXXX report. I declined the offer. CKS never put a dispute remark on my credit report as required by the FCRA.
When I applied for credit recently, I was denied based on an " open collection '' on my XXXX report. CKS Prime Investments , LLC is the only collection on my credit report, and it says it was updated in XX/XX/XXXX and still says its " open '' with a close date of XX/XX/XXXX.
This inaccurate reporting and failure to let creditors know I disputed this information has cause me financial harm by preventing me for applying for credit.
|
| 04/28/2022 |
Yes |
- Debt collection
- I do not know
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
Servicemember |
|
This letter is regarding account # XXXX which you claim I owe you money. Please REMOVE this account to from all Credit Reporting Bureaus. This is a formal notice that your claim is disputed. I am requesting validation, made pursuant to the Fair Debt Collection Practices Act. Please note that I am requesting " validation '' ; that is competent evidence bearing my signature, showing that I have ( or ever had ) some contractual obligation to pay you. Please also be aware that any negative mark found on any of my credit reports from your company or any company that you represent, for a debt that I don't owe, is a violation of the Fair Debt Collection Practices Act ; therefore if you can not validate the debt, you must request that all credit reporting agencies delete the entry. Pending the outcome of my investigation of any evidence that you submit, you are instructed to take no action that could be detrimental to any of my credit reports. Failure to respond within 30 days of receipt of this certified letter will result in small claims legal action against your company at my local venue. I will be seeking a minimum of { {$5000.00} } in damages for : 1 ) Defamation 2 ) Negligent Enablement of Identity Fraud 3 ) Violation of the Fair Debt Collection Practices Act ( including but not limited to Section 807-8 ) You will be required to appear in a court venue local to me, in order to formally defend yourself. For the purposes of 15 USC 1692 et seq., this Notice has the same effect as a dispute to the validity of the alleged debt and a dispute to the validity of your claims. Please Note : This notice is an attempt to correct your records, and any information received from you will be collected as evidence should any further action be necessary. This is a request for information only, and is not a statement, election, or waiver of status. 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. - Very Respectfully, XXXX XXXX
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| 04/07/2023 |
Yes |
- Debt collection
- Credit card debt
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- Attempts to collect debt not owed
- Debt is not yours
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Web |
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A Law firm received a default judgment against me in XXXX in the state of New Jersey. They received this judgment by sending court documents to my childhood home in which I did not live anymore my ( grandmother 's house ). They were also sending mail to my moms vacant home in NJ in order to get a wage garnishment 17 years later. This attorney was able to get wage garnishments even though there was improper service of all documents. I was not given the chance to respond to any motions that were filed against me. The only way I found out about the garnishments was by emails via XXXX. This attorney also tried to XXXX money out of my bank account on the same day they are getting wages out of my pay. They have caused me great financial hardship as I have expressed to the courts multiple times without receiving any elief. The worse part is that I never had a credit account with the original creditors nor do I have any information regarding these accounts. The original creditors have closed down and I have been unable to contact anyone to ask about these accounts as they are fraudulent. This same company was charged by the SEC for fraud and sued by other consumers multiple times over the last 15 years. I have filed several documents for identity theft and mail fraud in the past which were overlooked. I have been to court 2 times about this and the last hearing was dismissed without prejudice meaning I have another chance to stop this attorney who is trying to ruin my life. This attorney is going after everything I own and is trying to get me to lose my job by obtaining multiple garnishments under the same terms default judgments sent to the wrong addresses 11 to 18 years ago. The second wage garnishment was done in retaliation which is unethical and inhumane. They are attempting to make me lose everything I have in order to support my children and myself over unverified debt they have added XXXX of dollars of attorneys fees in order to increase the amount owed for their own personal gain. I'm in dire need of help in order to save my life.
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| 04/02/2022 |
Yes |
- Debt collection
- Credit card debt
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- Written notification about debt
- Didn't receive enough information to verify debt
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Web |
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ATTENTION DISPUTE DEPARTMENT CKS PRIME INVESTMENT Reported : XX/XX/2021. Your company has violated FCRA 615 ( f ) ( 15 U.S.C. 1681m ( f ) ) ( f ) Prohibition on sale or transfer of debt caused by identity theft You have not responded to my request to provide me with an investigation report. I need this resolve, under the Fair Credit Reporting Act, these disputed items may not appear on my credit report if they can not be supported by any evidence ( 1 ) In general No person ( company ) shall sell, transfer for consideration, or place for collection a debt that such person has been notified under section 1681c-2 of this title has resulted from identity theft. ( 2 ) Applicability The prohibitions of this subsection shall apply to all persons collecting a debt described in paragraph ( 1 ) after the date of a notification under paragraph ( 1 ). ( 3 ) Rule of construction Nothing in this subsection shall be construed to prohibit -- ( A ) The repurchase of a debt in any case in which the assignee of the debt requires such repurchase because the debt has resulted from identity theft ; ( B ) the securitization of a debt or the pledging of a portfolio of debt as collateral in connection with a borrowing ; or ( C ) the transfer of debt as a result of a merger, acquisition, purchase and assumption transaction, or transfer of substantially all of the assets of an entity. A person that furnishes information to any consumer reporting agency shall have in place reasonable procedures to respond to any notification that it receives from a consumer reporting agency under section 1681c-2 of this title relating to information resulting from identity theft, to prevent that person from refurnishing such blocked information. The reference items are listed below please take this matter very serious. Reported : XX/XX/2021. I have reported your company to consumerfinance.gov, & next I will be taking this federal court As a form of record and I am prepare to sue your company. Stop collection proceedings against me and remove my information from your database.
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| 11/13/2022 |
Yes |
- Debt collection
- Credit card debt
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- Took or threatened to take negative or legal action
- Sued you in a state where you do not live or did not sign for the debt
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Web |
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On XX/XX/XXXX, I was served with a summons at my home for a lawsuit. The options to select in this complaint are about being sued in a state where I don't live, but this complaint is because CKS Prime Investments is not licensed in my state as a collection agency as one of the several complaints I have with this lawsuit.
I sent a certified response to their attorney XXXX XXXX on XX/XX/XXXX. I asked for the XXXX, the forward flow agreement between CKS Prime Investments and who they have listed as the original creditor XXXX XXXX XXXX XXXX . And lastly, I asked for an original contract with wet signatures between myself and CKS Prime Investments.
In response, I receive a package from Attorney XXXX which contained several months of statements and a bill of sale. In the bill of sale, it appears that an organization called XXXX XXXX XXXX XXXX XXXX may have sold or transferred a batch of accounts to CKS Prime Investments , LLC. This in no way provided me any evidence which I asked for. There is no way that that bill of sale identified my " account '' as being part of this transaction, it also did not show where The XXXX XXXX XXXX assigned anything to CKS Prime Investments , LLC.
In the lawsuit, it claims that The XXXX XXXX XXXX sustained damages and those damages were passed on to the plaintiff CKS Prime Investments , LLC. It mentions that " Plaintiff is informed and believes and on such information and belief alleges that each of the fictitious names Defendant are in some way responsible for the damages sustained by Plaintiff in this action. '' What is meant by fictitious names? As my name as a natural person is verifiable and is listed when referring to me as a defendant.
The lawsuit alleges that " Defendant defaulted on the account on or about XX/XX/XXXX ''. And " On or about XX/XX/XXXX, The XXXX XXXX XXXX or its assignee, assigned or otherwise transferred to Plaintiff ''. However, in the bill of sale which was mentioned above from XXXX XXXX XXXX, it clearly states the purchase/sale was entered XX/XX/XXXX.
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| 07/06/2023 |
Yes |
- Debt collection
- I do not know
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- Attempts to collect debt not owed
- Debt is not yours
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Web |
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Dear Sir/Madam, I am writing to dispute the validity of a debt collection account that appears on my credit report. I recently obtained a copy of my credit report and discovered an account listed by your agency under the name XXXX XXXX XXXXXXXX XXXX with account number XXXX. I believe there may be inaccuracies or discrepancies associated with this account.
I would like to request detailed information regarding this debt collection account, including the following : Verification of the debt : Please provide documented evidence that verifies the debt in question, such as the original creditor, the amount owed, and the nature of the debt.
Proof of ownership : Please provide documentation that confirms your agency 's legal ownership or authorization to collect on this debt.
Validation of the debt : Please provide information on the date of the last activity or payment made on the account, as well as any relevant supporting documentation that substantiates the validity and accuracy of the debt.
I understand that, as a consumer, I have the right to dispute and seek validation of any debt that appears on my credit report. I am exercising this right in order to ensure the accuracy and legitimacy of the information being reported.
I kindly request that you cease all collection activities related to this account until its validity has been verified. Please also remove any negative reporting associated with this account from my credit report during the investigation process.
I appreciate your attention to this matter and look forward to receiving the requested information within the timeframe specified by the Fair Debt Collection Practices Act ( FDCPA ). Please communicate with me in writing to confirm receipt of this dispute and to provide updates on the investigation.
Thank you for your prompt attention to this dispute. I trust that you will handle this matter with the necessary diligence and in accordance with the applicable laws and regulations.
Sincerely, XXXX XXXX XXXX XXXX [ XXXX XXXX XXXX XXXX XXXX
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| 11/06/2017 |
Yes |
- Debt collection
- Other debt
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- False statements or representation
- Impersonated attorney, law enforcement, or government official
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Web |
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This issue is been going for quiet some time.
Late in XXXX I received a letter from XXXX XXXX XXXX stating that they represent Velocity Investments and that I owed about {$10000.00}. I had no idea who Velocity was and I mailed a letter back to them asking for more information. I also explained to them that I lost my job and my available funds were very limited. I never heard back from them. About a year later I found out that they filed a lawsuit against me. I tried to contact Velocity several times. I called and email with NO answer. I finally spoke to a person who said that she was n't able to provide me with any information and referred me to XXXX XXXX XXXX. I called and requested more information but I was terrified by the lawsuit and asked what will be a reasonable amount I can pay, the lady on the phone said that the only acceptable amount was somewhere around {$9900.00}. I asked to make payments and she said I should call back and talk to a " XXXX ''. I did. I asked to see a proof of my debt. in XXXX of XXXX I also emailed and requested more information and offered to make monthly payments for the amount i owe. 4 days later they send me a file that does n't have my signature and claimed that i owe {$10000.00}. I kept telling " XXXX '' that the amount was incorrect.
XXXX had XXXX at her office email me an agreement requesting a lot of information and said she will have to see if she can get the payment plan approved.
I requested again to have more information that shows the breakdown of all my payment. I emailed them on XXXX and XXXX.
on XXXX I finally received another email from XXXX, this time they claimed that I owe {$10000.00}.
I requested the breakdown again on XXXX and XXXX, XXXX, XXXX. I found out that on XXXX a person came to my daughter 's friends home looking for me claiming to be an " officer of the law '' and she refused to leave. she said she will be back every day until she is able to hand me some documents. That created a lot of XXXX and I know it was illegal.
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| 06/21/2023 |
Yes |
- Debt collection
- I do not know
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- Took or threatened to take negative or legal action
- Collected or attempted to collect exempt funds
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Web |
Servicemember |
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On XX/XX/XXXX Velocity Investments had a group call with multiple people they were collecting debt from. They went in round-robbin fashion openly asking everyone how much they could pay per month. Although I agreed to a $ XXXX payment arrangement for {$3600.00} I felt pressured in the situation.
A week later the same month ( XX/XX/XXXX ) Velocity did the same thing with another group of people, this time with another account they acquired somewhere totaling {$7400.00}. This time I specified I was unable to make any arrangements in addition to the one already in place for the other account. It was agreed that I would contact them to make payment arrangements when my financial situation permitted.
I've been paying the first account each month since XX/XX/XXXX on the first account.
On XX/XX/XXXX, I was deposed by Velocity regarding the second account. Under oath, I explained my situation once more, mentioned the existing payment agreement, clarified my financial situation had not changed, and said no when asked about working for a named company I hadn't heard of. Velocity 's representative at the time said they would let their client know about the information given, but the situation would remain the same ( I could continue to pay the first account and would reach out when I am able to make an arrangement about the second ).
On XX/XX/XXXX for unknown reasons Velocity filed a motion to garnish wages from a company I do not or ever had any association with. This means they also handed my information to an uninvolved 3rd party without my consent. It was also the first time I became aware any action regarding this lawsuit was taking place.
The motion of garnishment was withdrawn by Velocity in a special set in XX/XX/XXXX. The same day of the most recent court date and in the following weeks I've now been phone calls from various numbers multiple times a day, no voicemails are made. It simply feels like harassment at this point.
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| 05/28/2023 |
Yes |
- Debt collection
- Payday loan debt
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- Attempts to collect debt not owed
- Debt was result of identity theft
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Web |
Servicemember |
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I am so tired of being told to talk to some other collection company for a debt that is clearly not mine! Please remove this from my report. Cease and Desist with contacting me about this debt via written letter, or phone call. Read the documents and please just leave me alone!
Since XXXX this year I have been asking XXXX to delete the fraudulent report that someone took out in my name. It was the result of identity theft. I have sent them so many letters, the last one was in XXXX. They know that the account is fraudulent and acknowledge it. However they keep telling me I need to speak with a third party called Velocity Investments about getting the account resolved or getting the record deleted. This is not my account its fraud. FCRA requires them to delete accounts within 5 days when Identity theft is involved. They are being irrational and telling me to ask someone who does not have any record on my reports to delete it. It make no logical sense. XXXX needs to delete this public credit record as its clear that the account is not mine. My name is XXXX XXXX XXXX XXXX. They can not produce any signed agreements with my name. I have been dealing with so many people opening accounts with different variations of my name, but I use my full name when I do loans because the identity thieves do not have that information. Please see my attached birth certificate. Please compel them to follow the law and delete this. They have been provided everything they need yet they keep being irresponsible and stubborn. Please make them respect the your organization and respect Federal Law! I am a XXXX XXXX XXXX combat veteran. This is affecting my health tremendously. I am not well and the stress of having my identity stolen and being put through so much to fix the damage is exhausting. I should not need to spend so much time fighting this. I am an honorable man who has been awarded many medals. I deserve to be believed and respected!
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| 07/19/2023 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
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- Struggling to pay your bill
- Credit card company won't work with you while you're going through financial hardship
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Web |
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I took out a credit card with the original creditor XXXX XXXX XXXX to rebuild my credit in XXXX and eventually use some of the funds for a vehicle down payment. I was fired in XXXX of that same year and I was having financial problems to the point of not being able to pay timely. In XXXX of XXXX, I lost my job as they were trying to make the arrangements to help me repay this debt and get back on my feet. However, I was denied unemployment along with no financial assistance due to having friends and family that disowned me due to my financial situation as they felt I never learn. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I was also evicted from my home along with losing my vehicle, I have not had a place to live since XXXX of XXXX and no vehicle due to losing my car as well.
I had EVERY intention of repaying this debt and NO intention of this situation escalating to a financial situation that was BEYOND my control. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I have NO money XXXX XXXX as I am trying to get back on my feet with stable income, a place to live and a vehicle.
The company XXXX XXXX XXXX sent me an email along with a letter in XXXX of XXXX, I had every intention of paying the account off and no one contacted me to verify ANYTHING along with my requests to forgive this debt and I will admit to writing them VERY nasty letters with colorful language as I am VERY livid because I am trying to get back on my feet along with a place to live and a vehicle.
I am also trying to have a stable income as most the employers, I applied to requires a credit check and I need this to get back on my feet.
Thank you for your understanding and attention to this matter. XXXX XXXX
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| 04/26/2018 |
No |
- Debt collection
- Other debt
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- Written notification about debt
- Didn't receive enough information to verify debt
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Web |
Servicemember |
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I received a letter dated XX/XX/XXXX from Velocity Investments , LLC stating they now " own '' a debt from XXXX XXXX XXXX. It was only a notice and another letter was to follow in/about 30 days. See attached.
On XX/XX/XXXX I received another letter from Velocity Investments , LLC with an " Introductory Message '' and the notice to " dispute within 30 days after receipt of the letter ''. See attached.
On XX/XX/XXXX, I sent a validation request/ notice of dispute to Velocity Investments , LLC and requested that they " prove '' they own this debt. Unfortunately I did not save a copy of my letter to attach, but they did respond on XX/XX/XXXX ( see attachment ) to my request with a copy of the original creditor contract- no other details. See attached.
On XX/XX/XXXX, I sent a second request validation to ask for more information again, in case they misunderstood my initial request. Keep in mind we are still within the original 30 days to dispute. My second letter is attached.
On XX/XX/XXXX, Velocity Investments , LLC responded with the exact information again. Not one document that has my name on it ( associated with Velocity ), an assignment or any proof that they can legally collect on this alleged debt. Second response attached.
How does a consumer really know if they are legit and have truly purchased this alleged debt? In days of IRS scams, Identity theft ... so forth, they have not provided any real proof but they feel they are compliant. I am not sure they can prove ownership because of the way they purchase these debts from companies in bulk.
I understand for them to be compliant with a dispute request, they only have to provide limited information but after two specific requests they have not been willing to share any real proof of any debt. So they must not have it or wish to share it. That is my concern.
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| 05/02/2019 |
Yes |
- Debt collection
- Payday loan debt
|
- Communication tactics
- You told them to stop contacting you, but they keep trying
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Web |
Servicemember |
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My complaint is against Velocity Investment LLC ( Debt Collection Agency ), that I was paying on two loans that I had got behind from the original lenders : ( XXXX XXXX / XXXX XXXX XXXX ), due to the lose of income. Velocity Investment LLC deliberately sent false statements to these three other Debt Collection Agencies : 1. XXXX XXXX XXXX.
2.XXXX XXXX XXXX XXXX XXXX XXXX
3. XXXX XXXX XXXX , XXXX.
Stated that they ( Velocity Investment LLC ), had ONLY received the last payment in the amount of {$30.00} dollars on XX/XX/XXXX ( XX/XX/XXXX ), when they had been receiving payments ( XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX / XX/XX/XXXX payments ). After receiving these letters and numerous harassing phone calls in XX/XX/XXXX ( and continue phone calls now from XXXX XXXX XXXX , XXXX, XXXX XXXX ). On XX/XX/XXXX, I had called Velocity Investments LLC, and spoke to the Office Manager, Ms. XXXX about this matter and ask her why did they send a false statement to other Debt Collection Agencies, and stated that your company had ONLY received the last payment in the amount of {$30.00} dollars as of XX/XX/XXXX, when you where still receiving payments, as of XX/XX/XXXX - XX/XX/XXXX. Ms. XXXX stated to me in a very rude and disrespectful way that she could no longer talk to me about my account, because it was turned over to other Debt Collection Agencies, She said, " You call them, '' and I don`t have anything else to say to you. After not giving me any reason of why this took place, Therefore, I had filed a complaint against Velocity Investment LLC with the XXXX XXXX XXXX in my city ( XXXX, FL ), on XX/XX/XXXX, But they stated to me, that this case was out of their district and refer me to your company ( Consumer Financial Protection Bureau ), to see what type of help that I can get in this very stressful situation.
|
| 08/10/2023 |
Yes |
- Debt collection
- I do not know
|
- Attempts to collect debt not owed
- Debt was result of identity theft
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Web |
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On XX/XX/XXXX XXXX XXXX I received a collections letter in the mail from CKS Financial a debt collector for XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. The balance amount owed was {$900.00}. After calling CKS Financial, I found out that it was my stepmother that had actually taken this debt out in my name. Went to the police station made a report. I live in Ohio and have lived here for 5 years and at the time this account was opened in Louisiana. I thought once I sent the report to Louisiana that this was taken care of. I called the credit bureaus and let them know this account was identity theft. Two years later I receive another collections bill from over a year ago done by my stepmother did another account in my name. Went to our police department filed a report made copies sent out to all credit bureaus, debt collectors, filed a report on IdentityTheft.gov. It has been 16 days since I mailed a certified letter to XXXX XXXX XXXX with everything included. Police reports x 2, copy of my drivers license, letter disputing the debt. Have not received anything from them, my wife called this morning and all XXXX XXXX tell her was she had to contact CKS Financial. My wife called CKS 2x 's, they finally put an office manager on the phone for XXXXXXXX XXXX XXXX she told my wife that XXXX XXXX bought back the account from CKS debt collections due to it being a fraud case. My wife called XXXX XXXX and they keep telling her they can't help she has to contact CKS debt collectors. Between the both they are just giving us the run around. But XXXX XXXX XXXX is still on my credit reports as a debt that I owe. I have went on the identitytheft website and printed up their dispute letter along with the notice to Furnisher 's Information. I will mail this out tomorrow with certified mail, and make copies for my records.
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| 07/19/2022 |
Yes |
- Debt collection
- Payday loan debt
|
- Took or threatened to take negative or legal action
- Seized or attempted to seize your property
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Web |
Older American, Servicemember |
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in 2016 i took a loan from XXXX XXXX on the internet and i was paying {$600.00} + per month. when i realized nothing was happening to the base amount i called XXXX XXXX to find out where was my signature was and where the interest rate was. They told me that my signature was online and the interest rate was 34+ %. I told XXXX XXXX that anything over 25 % was criminal usury and i was not paying anymore. They said okay and charged off the debt.
I thought that this issue was resolved, however a company name Velocity brought the loan and sued me in civil court for repayment of this debt. At the first court hearing i explained that 34+ % was criminal usury and i was not paying it. Their attorney told me that it depended on what state the original lender was located. This did not sound right to me so i researched usury laws for all states. No state said that anything above 25 % was not criminal usury.
The next time i went to court i told them the same thing in paragraph 2 and also all of my income is judgement proof. when they heard this they threatened to put a lean on my house. i didn't remember signing anything offering my house as collateral. I continue to research criminal usury and i called and payed for an attorney in California, a state that i thought was where the original lender was located. The lawyer XXXX XXXX, told me in no uncertain terms that the law applies to the state where the barrower ( me ) lives.
In view of the fact that i received the run around from two Velocity attorneys who gave me bogus information which counted my research i emailed the judge who was hearing my civil case because he was in civil court and i felt he possibly was not familiar with criminal usury laws. i was warned on two occasions not to contact the judge directly with out informing Velocity attorneys.
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| 04/07/2021 |
Yes |
- Debt collection
- Credit card debt
|
- Attempts to collect debt not owed
- Debt was paid
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Web |
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I had a credit card with XXXX XXXX XXXX XXXX XXXX. I got behind on payments. The account was sold to CKS PRIME INVESTMENTS. They used a company called XXXX XXXX for collections. On XX/XX/XXXX I received a letter from XXXX offer a settlement of paying 40 % of the XXXX balance which would be XXXX. On XX/XX/XXXX I made this payment via XXXX website under settlement offer and received an email for the payment. I went back a few weeks later Mid XXXX and noticed on my credit report CKS PRIME was showing a balance of XXXX still due. I disputed the balance with XXXX. The results came back in the same month stating CKS PRIME says the balance is correct and in collection. I then called XXXX spoke with XXXX XXXX on XX/XX/XXXX because when I tried to pull up the account on their website it said invalid reference number. He said the account was paid and resolved via settlement offer and sent back to CKS PRIME as settled. He then stated that's why you can't pull it up on Our website. I called CKS PRIME the same day. I spoke with XXXX XXXX, XXXX, XXXX, and XXXX operations manager. I was told by XXXX in operations that it was a simply fix. She would email XXXX and tell them too XXXX the balance out because the could see the payment of XXXX. XXXX for the settlement offer. XXXX stated she would follow up with me once she heard back. On XX/XX/XXXX I followed up and was told by customer service that the balance had been fixed and the dept that submitted information to the credit bureau would update the acct.. but I couldn't talk with XXXXIt is still reflecting on my credit report. This acct was paid XX/XX/XXXX. The XXXX XXXX account should not be reflecting on the report because they sold the account to CKS PRIME. I have also sent letters to both XXXX and XXXX asking them to re- investigate this.
|
| 05/08/2023 |
Yes |
- Debt collection
- Other debt
|
- Written notification about debt
- Didn't receive notice of right to dispute
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Web |
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I originally took out a personal Loan with XXXX, and it was fine up until I was talked into signing up with a debt consolidation company in order to try to bundle my debts with the promise of increasing my credit score. The consolidation company took payments directly from my bank account without making any payments to my debtors and it took months to get them to stop taking the money out which sent all my debts into default and damaged my credit score which I was trying really hard to build. XXXX was one of these lenders that was defaulted in the process.
XXXX notified me that they sold the debt to " Velocity Investments LLC '' XX/XX/2022. Upon finding out they sold the debt I attempted to contact Velocity by phone and by email on XX/XX/2022, to try to make payment arrangements or settle the debt. Velocity Investments never responded to me, and I was never able to get in contact with anyone that could tell me about the account or who to get in touch with. I never received anything from them in the mail resembling an attempt to collect a debt. However, I just learned that they have filed a lawsuit against me without ever getting in contact with me, attempting to collect or responding to my requests for information.
I have always paid my debts, and I truly regret trying to consolidate my debts because that's where everything went wrong. However, I don't think that its right that they can file a lawsuit without notifying me themselves, attempting to collect it, or even responding to my own requests, especially when I was attempting to resolve an issue the moment I learned of the account being sold. How is it legal for a debt collection agency to file a lawsuit without attempting to collect or responding? I will be contacting a lawyer.
|
| 09/03/2023 |
Yes |
- Debt collection
- Other debt
|
- Written notification about debt
- Didn't receive notice of right to dispute
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|
Web |
Older American |
|
I didnt pay a loan back to XXXX that was entered into on XX/XX/XXXX in the amount of {$19000.00}. On my credit report it showed XXXX balance, closed, written off.
In XX/XX/XXXX, a resident from my previous address ( I had moved and filed a change of address on XX/XX/XXXX ) notified me a note had been left on their door. It said they were trying to serve a notice to XXXX XXXX and provided a phone number. I immediately contacted the agent seeking to find out what it was about. I gave her my current address, and was served the notice that I was being sued by Velocity Investments , LLC on XXXX XXXX, XXXX. It was filed on XXXX XXXX. The amount claimed is {$19000.00}. I had no idea who they were or why they were suing me. They did not notify me they bought the debt and I owed them. I had informed delivery thru XXXX and have checked records of mail received at my old address between XX/XX/XXXX and XX/XX/XXXX. There was no written communication from them. I requested the court dismiss the case but the judge denied the request. I am representing myself because I cant afford an attorney.
On XXXX emailed a settlement offer of {$6000.00} to their attorneys. They did not respond to my email. They called me. I called them back and was told if I paid 85 % of the loan within XXXX mos that would be the least they would do. Any other payment plan would be for the full amount.She also told me it would be a judgement regardless of how I paid it. On XX/XX/XXXX I requested via email written instructions on how to repay the debt. They have not responded. I have been unable to work or function as I did prior to this surprise lawsuit. If they had communicated with me I would have taken care of my responsibility without a lawsuit.
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| 12/29/2023 |
Yes |
- Debt collection
- I do not know
|
- Attempts to collect debt not owed
- Debt was paid
|
|
Web |
Servicemember |
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Subject : Notice of Default and Opportunity to XXXX REF : XXXX Dear XXXX & CKS Prime Investments, I am writing to notify you that your actions in connection with the alleged debt have led to a default on your part. This letter serves as a Notice of Default and provides you with an opportunity to cure the identified breaches in accordance with applicable laws.
**1. Default in Arbitration Agreement ( Federal Arbitration Act ) : ** - **Remedy : ** Cease all collection efforts immediately and proceed to arbitration. - **Legal Reference : ** Federal Arbitration Act ( 9 U.S.C . 1 et seq. ) **2. Violation of Privacy Laws and Unauthorized Reporting ( 15 USC 6801-6808, 15 USC 6802 ) : ** - **Remedy : ** Cease any unauthorized reporting and rectify the violation of privacy laws. - **Legal Reference : ** 15 USC 6801-6808, 15 USC 6802 **3 . Fair Credit Reporting Act ( FCRA ) Violation ( 15 USC 1681 ) : ** - **Remedy : ** Ensure accurate reporting and validate the debt appropriately. - **Legal Reference : ** 15 USC 1681 **4. Forgery Allegations ( Fair Debt Collections Act - 15 USC 1692e ) : ** - **Remedy : ** Provide the original expressed written consent to be a debtor/consumer or cease collection efforts. - **Legal Reference : ** 15 USC 1692e **5. Responsibilities of Furnishers Violation ( 15 U.S. Code 1681s2 ) : ** - **Remedy : ** Comply with responsibilities as furnishers of information. - **Legal Reference : ** 15 U.S. Code 1681s2 Failure to cure these defaults 21 days from the date of this letter will leave me with no option but to pursue legal action to enforce my rights and seek remedies under the applicable laws. I will seek damages, injunctive relief, and any other remedies available under federal law.
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| 05/25/2023 |
Yes |
- Debt collection
- Other debt
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- Attempts to collect debt not owed
- Debt was paid
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Web |
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The loan that I originally took out was through XXXX. This loan was later sent to XXXX XXXX for collections purposes. While the loan was with XXXX XXXX, I paid a settlement to settle and resolve the debt. This settlement occurred in XX/XX/XXXX. I have proof of this settlement occurring, which I will attach. Once this settlement was conducted, the debt was properly resolved on my credit report and all seemed to be done with this debt.
However, recently the debt was sold Velocity Investments , LLC, and now XXXX XXXX XXXX XXXX XXXX is attempting to collect on this already-settled debt. I was given a window of time to dispute that this debt was owed ( by XX/XX/XXXX ). I have attached the proof that I disputed this debt as required.
Despite disputing the debt as already being settled, XXXX XXXX XXXX XXXX XXXX decided to pursue this already-settled debt, which reappeared on my credit report later in the spring as having a balance owed and showing missed payments after the settlement date of XX/XX/XXXX.
I have reached our to XXXX XXXX XXXX XXXX XXXX twice now regarding this issue, and provided the proof of settlement information to them each time. Not only has the issue not been resolved, but they have not responded to my inquiries at all.
I will be attaching the proof of settlement and proof that I disputed the debt through XXXX XXXX XXXX XXXX XXXX. ( I also have a video of me mailing the letter to them, to show that it was sent. However, this video can not be attached below but can be provided if needed. ) Additionally, I've included the screenshots of both emails I have sent to XXXX XXXX XXXX XXXX XXXX to try and get this issue resolved, both of which have received no response at all.
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| 11/20/2021 |
Yes |
- Debt collection
- I do not know
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- Written notification about debt
- Didn't receive enough information to verify debt
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Web |
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I requested validation and all original documentation stating that I have a signed contract between this company CKS PRIME INVESTMENT of the alleged debt this company stated. I allegedly owe the sum of {$810.00} and the 3 major credit bureaus ( XXXX, XXXX and XXXX ) on XX/XX/2021. I haven't received any of supporting documentation from these XXXX company nor the credit bureaus. Supporting their claim over this alleged debt sent to me. XXXX respondent vie e-mail with their company results stating that they ( XXXX ) was able to verify the alleged debt with this collection agency, but did not send me the supporting documentation on how they was able to verify this alleged debt. I received a statement from XXXX XXXX sent on XX/XX/2021 stating their company verify the debt without any supporting documentation being sent to me as requested in the letter I sent to their company no response from XXXX. Due to no receiving any documentation from none of these parties listed above. On XX/XX/2021. I sent XXXX request sign affidavit to retrieve documentation from the 3 credit bureaus and XXXX request signed affidavit certified mail with a return receipt to CKS PRIME INVESTMENT asking for all of the documentation supporting the alleged debt these company stating I allegedly owe to them. I received a response from XXXX XXXX email on XX/XX/2021 of their company investigation stating that they still verified the alleged debt as being accurate with both collection companies without send me any documentation supporting their method of verification of this alleged debt nor supporting documentation that I requested. No response from CKS PRIME INVESTMENT, XXXX XXXX and XXXX.
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| 06/01/2018 |
No |
- Debt collection
- Other debt
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- Attempts to collect debt not owed
- Debt was paid
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Web |
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- I opened a loan with XXXX in XX/XX/XXXX o Encountered financial hardship Fall XX/XX/XXXX due to rental property sale falling through / loss of tenant income had to remarket the property.
o I contacted XXXX via phone in XX/XX/XXXX ( while still current ) requesting an extension. The rep advised there were no option available & to call back once the loan went delinquent.
- Loan charged off XX/XX/XXXX, Prosper sold the loan to Velocity Investments , LLC - XX/XX/XXXX I was contacted by XXXX XXXX, on behalf of Velocity Investments , LLC. We agreed on a settlement, which I fully satisfied by XX/XX/XXXX as agreed - XXXX continues to report my account as Charged Off / Account Sold Transferred on all 3 major credit bureau reports o I disputed through XXXX, XXXX, and XXXX results have come back with no changes to the reporting, despite the fact I paid the account in full via settlement.
- XX/XX/XXXX I called the creditors XXXX # as listed on my XXXX credit report, explained the situation, thinking I was speaking with XXXX. Agent transferred the call & new agent said I was speaking with XXXX a company Id never heard of. That agent informed me that XXXX sold the loan to XXXX we outsource to a number of companies to assist with collection. I asked, What about Velocity Investments , LLC?, to which she replied, Oh, theyre probably one of our affiliates.
I have satisfied this debt in full, yet XXXX continues to report the account as 'charged off ' to all 3 major credit bureaus - no entity will take responsibility for updating my credit report to reflect the account as paid with no remaining balance.
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| 08/16/2021 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
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- Problem with a credit reporting company's investigation into an existing problem
- Their investigation did not fix an error on your report
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Web |
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Now in the FCRA623 ( a ) prohibits a company from furnishing inaccurate information to a CRA. CKS XXXX is reporting inaccurate information on my credit report. Please see attached the information and proof of inaccurate reporting, Please DELETE this information on my credit report. They are currently reporting twice on my XXXX credit report which is a FCRA violation ( please see attached proof ), the have reinserted this account back on my XXXX credit report without written notice, which is a FCRA violation. On my credit report, the account number changed from XXXX and XXXX, and XXXX now to account number XXXX in a matter of a couple of weeks. I didnt get a written notifications that this was changed or anything. They have also changed the portfolio status from one company, XXXX XXXX XXXX XXXX to now XXXX XXXX XXXX XXXX. Also see highlighted that the address had changed. Please attach the proof of inaccuracy when it comes to this account on my credit report. The information that they are reporting to the credit bureau is not accurate and i have attache proof that they are violating the FCRA. A proper investigation is not being done to correct this reporting. The last date active is all different, the date opened is different, and on XXXX is showing its late 120 days with a balance in collection. The reporting again is inaccurate.
XXXX and XXXX was unable to properly verify that the reporting information on this account is correct. I know all three major bureaus falls under the FCRA guidelines. Please tell me how XXXX is different?
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| 01/10/2022 |
Yes |
- Debt collection
- Other debt
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- False statements or representation
- Attempted to collect wrong amount
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Web |
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On or about XX/XX/XXXX, Velocity Investments , LLC was sold this loan debt from XXXX XXXX XXXX XXXX Initially the debt was sent to XXXX XXXX whom I tried o work with and resolve by arrangements. I notified XXXX of this and subsequently ( between XXXX and XXXX ) received a some type of notification that Velocity Investments was involved.
I sent a dispute based on a partial payment issued to the XXXX XXXX XXXX in XXXX, the original debtors. Upon notifying of this, I had not heard anything from Velocity Investments as to remit proof of the partial payment or anything until appr. XXXX of XXXX, a letter from an attorneys office, XXXX, XXXX XXXX XXXX. I sent the dispute based on the aforementioned information. Again no request for proof of payment was requested from me.
In XXXX of XXXX, I received a notice of a court filing. I reached out to the attorneys office working for Velocity Investments, assignee of XXXX XXXX XXXX talked to an attorney about the issues and was told to submit a " Circumstance & Request '' which I did by mail the same day. I responded to the court summons and a court date is set for XXXX XXXX, XXXX. I received in the mail on XX/XX/XXXX, a notice from another attorney, XXXX XXXX XXXX issued by Velocity Investments, XXXX XXXX and the assignee XXXX XXXX a debt collection letter for the same debt we are currently scheduled in court for. I believe this is in direct violation of Fair Debt Collection Practices Act and speaks volumes for what has been transpiring as it has been sought to resolve this debt.
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| 08/22/2022 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
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- Problem with a credit reporting company's investigation into an existing problem
- Their investigation did not fix an error on your report
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Web |
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Pursuant to 18 USC 8, I owe no debt. This company is violating my consumer right to privacy pursuant to 15 USC 1681b 2. These companies have NO permission to report anything using my info pursuant to 15USC 1681 4. In accordance with the Fair Credit Reporting Act 15 U.S.C 1681 & Fair Debt Collection Practices Act 15 U.S.C 169215 U.S.C 1692 c ( A ) without the prior consent of the consumer giving directly to the debt collection agency may not communicate with a consumer in collection of any debt.
CKS PRIME INVESTIMENTS LLC is in violation. As stated in my previous complaint against this company who Ive never heard of or have Ive ever done business with is continuing to Harass me by attempting to collect on this alleged debt. As I requested before this company has ignored my requests to Cease and Desist all communication and collection efforts regarding this alleged debt.Instead they ignored all of the laws theyve broke and insisted that I reach out to them to discuss this matter in their previous response. There is nothing to discuss. CKS PRIME INVESTMENTS LLC has failed to provide me with any documentation that shows Ive provided consent to furnish this damaging information onto my consumer report. CKS PRIME INVESTMENTS LLC has sold this alleged debt to another company named XXXX who is now sending harassing letters to collect a debt that Ive previously requested to STOP! Attached is a letter I received from XXXXXXXX XXXX XXXX XXXX XXXXXXXX instructing the CRAS to remove this account tradeline from my consumer report.
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| 08/05/2022 |
Yes |
- Debt collection
- I do not know
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- Attempts to collect debt not owed
- Debt is not yours
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Web |
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XXXX XXXX XXXXVelocity Investments violated my privacy rights with aggravated identity theft. I have made multiple attempts with disputes and certified mail to have these violations resolved including a cease to desist to CKS Prime Investments after Ive stated the alleged debt is not mine. They were not allowed to sell an alleged debt on a cease to desist! This is considered harassment from XXXX XXXX XXXXVelocity Investments and CKS Prime Investments . Per 15 USC 1692d ( 3 ), can not advertise debts to coerce me into paying them. {$20000.00} ( {$10000.00} from each collection agency ) is due for the damages of each violation applied. VIOLATIONS : - 15 USC 1692g - 15 USC 1681a ( 2 ) ( A ) ( i ) - 15 USC 1681b ( a ) ( 2 ) - 15 USC 1681n - 15 USC 1681o - 15 USC 6802 - 18 USC 894 - 15 USC 1692d ( 3 ) - 15 USC 1692d ( 4 ) - 15 USC 1693I I am seeking {$16000.00} in damages due to the MULTIPLE violations that CKS Prime Investments and XXXX XXXX XXXXVelocity Investments has acted on. This has triggered pain and suffering by emotional distress, risking my livelihood, mental health, and physical health. As stated above, CKS Prime Investments and XXXX XXXX XXXXVelocity Investments has violated me with aggravated identity theft. I can not be forced to waive my rights as a condition of 15 USC 1693I. I have the right to opt out of non-affiliated third-party reporting. CKS Prime Investments and XXXX XXXX XXXXVelocity Investments must disclose my right to opt-out and has committed fraud, which has no statute of limitations.
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| 07/03/2023 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
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- Improper use of your report
- Reporting company used your report improperly
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Web |
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XX/XX/2023 Request for Deletion of Charge-off with Forward Follow Agreement I hope this letter finds you well. I am writing to formally request the deletion of my charge-off, as per the terms of the Forward Follow Agreement that was previously agreed upon between Velocity Investments LLC and XXXX XXXX As outlined in the agreement, the purpose of the Forward Follow Agreement was to allow the collection of specific data for a predetermined period of time. However, the agreed-upon period has now come to an end, and I kindly request that you initiate the deletion process for the charge-off as specified in the agreement.
Please ensure that all data related to the charge-off is completely and irretrievably deleted from your systems and any associated storage devices. This includes any backups or duplicates of the data that may exist. I also request that you provide me with a written confirmation of the completion of the deletion process.
I understand that data privacy and protection are crucial, and I appreciate your attention to this matter. If you require any additional information or documentation from my end to facilitate the deletion process, please do not hesitate to let me know, and I will promptly provide the necessary details.
I kindly request that you carry out the deletion process within 3 business 3 to comply with the terms of the agreement.
Thank you for your cooperation in this matter. I look forward to receiving your confirmation of the deletion process.
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| 01/18/2022 |
Yes |
- Debt collection
- I do not know
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- Written notification about debt
- Didn't receive enough information to verify debt
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Web |
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On XX/XX/2021 I received a letter from XXXX XXXX XXXX counselors at law indicating that they were attempting to collect a debt. I sent them a response to dispute the debt and requested information to validate the debt. They failed to provide me with pertinent information and the information is false and misleading. As it is my understanding that an Attorney can not serve in the capacity of a debt collector. There is no evidence of signature or a copy of my identification proving that it was in fact me that initiated this loan. There is no ledger of the account and general ledger statement showing the full accounting of the alleged obligation they are attempting to collect from me, signed and sworn by the person responsible for maintaining these records and having first-hand knowledge as to their accuracy and authenticity. There is also no signature wet ink or electronic signature on the Disclosure and consent to electronic receipt of loan disclosures and electronic contracting e-sign Consent or the credit profile authorization One of the documents gives the principal amount at charge off. Which indicates that this loan has been charged off. However, this statement and several others do not have any identifying information connecting me to such obligation.
Now I am receiving solicitations from attorneys indicating they would like to represent me in the lawsuit that was filed against me by VelocityXXXX XXXXXXXX XXXX
This is causing me undue stress and sleepless nights!
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| 05/24/2021 |
Yes |
- Debt collection
- I do not know
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- Took or threatened to take negative or legal action
- Sued you without properly notifying you of lawsuit
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Web |
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XXXX XXXX of XXXX XXXX sent me a letter stating they have placed a Lien against my house. I have not received any notice company bought off the XXXX XXXX loan that was charged off my credit report. XX/XX/XXXX I hired a credit repair company that did not process my case and charged me fees upfront without negotiating my debt and several of my accounts went into default. Since XX/XX/XXXX, these accounts have been charged off. In XX/XX/XXXX I received such a letter and have not received any correspondence on how to fix the issue. My children have recently heard or seen a nucence lady come to the door and ask for me but has not stated what business she has or will not leave a number or name. I understand I have gone in default on several loans but do not know how to make it right. I'm currently trying to refinance but am afraid this company is trying to block me from refinancing and there will not be a way to make things right if they have not followed the law by presenting the issue and allow consumers to make it right. Since hiring the credit repair company I have done all in my power to maintain my finances in line and pay off my debt. I believe this company has not presented its case in law that is fair to me as the consumer and there should be a way to take action again them, scare tactics are not an appropriate approach to making things right financially.
Companies that may have purchased XXXX XXXX loans are CKS Prime Investments LLC and Velocity Investments , LLC.
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| 09/16/2023 |
Yes |
- Credit reporting or other personal consumer reports
- Credit reporting
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- Improper use of your report
- Reporting company used your report improperly
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Web |
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Good Morning, Request for Deletion of Charge-Off I hope this letter finds you well. I am writing to formally request the deletion of my charge-off, as per the terms of the Forward Follow Agreement that was previously agreed upon between your company velocity investments LLC and XXXX XXXX XXXX
As outlined in the agreement, the purpose of the XXXX XXXX Agreement was to allow the collection of specific data for a predetermined period of time. However, the agreed-upon period has now come to an end, and I kindly request that you initiate the deletion process for the charge-off as specified in the agreement.
Please ensure that all data related to the collection is completely and irretrievably deleted from your systems and any associated storage devices. This includes any backups or duplicates of the data that may exist. I also request that you provide me with a written confirmation of the completion of the deletion process.
I understand that data privacy and protection are crucial, and I appreciate your attention to this matter. If you require any additional information or documentation from my end to facilitate the deletion process, please do not hesitate to let me know, and I will promptly provide the necessary details.
I kindly request that you carry out the deletion process within XXXX business days to comply with the terms of the agreement.
Thank you, For your cooperation in this matter. I look forward to receiving your confirmation of the deletion process.
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| 11/05/2023 |
Yes |
- Credit reporting or other personal consumer reports
- Credit reporting
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- Improper use of your report
- Reporting company used your report improperly
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Web |
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Cease and Desist Communication Regarding Collections/Charge off Account Velocity investments LLC I am writing to formally request that you cease and desist all communication with me regarding the debt.which you claim I owe. This letter is not an admission of any liability for this debt but a request for you to halt all communication concerning it.
According to my records and the relevant statutes of limitations, this debt has been charged off, and it is no longer legally collectible. Furthermore, any attempt to collect or re-age this debt is in violation of the Fair Debt Collection Practices Act ( FDCPA ) and other applicable laws.
Therefore, I insist that you : 1. Cease and desist all written and verbal communication with me, my family, or my associates concerning this debt.
2. Stop reporting this debt by all credit reporting agency and request for deletions From original creditors.
3. Do not sell or transfer this debt to any other third party.
4. Provide written confirmation, within 30 days of receiving this letter, that you have ceased all collection activities related to this debt.
Please consider this letter as a formal warning that I am aware of my rights under the FDCPA, and I am prepared to take legal action if you do not comply with this request.
I request that you send all further correspondence related to this matter, including the confirmation of cessation, and deletion.
Your immediate attention to this matter is expected and appreciated.
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| 10/04/2020 |
Yes |
- Debt collection
- I do not know
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- Written notification about debt
- Didn't receive notice of right to dispute
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Web |
Servicemember |
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In or around the end of XXXX, XXXX I noticed an account being reported on 2 of my 3 credit reports. I had ran my reports in XXXX, XXXX and this was not showing on any of my credit reports, now all the sudden in XX/XX/XXXX it is showing and showing a date opened of XX/XX/XXXX in the amount of {$4000.00}. I do not recognize this debt, and I do not believe this is my debt. I disputed this with the credit reporting agencies involved and with this agency as well and the company states that they have verified the debt to be accurate and belonging to myself. I then contacted the company in writing via certified, return receipt, US Mail indicating that this is false reporting and I also demanded copies of the original documents with the original signatures to verify this debt belongs to me and gave the company 30 days from the date of the letter to provide such documents. The company has failed to provide these documents and as of XX/XX/XXXX, 31 days from the date of the letter, I have not received them. I also instructed the company reporting this that if documents were not received within the 30 day time frame then they must remove this item from my credit reports. As of today, they have not done so. If this company says they can validate this debt is mine, then why was it not being reported in XX/XX/XXXX? Also, what gives this company the right to just pick and choose whenever they want to do whatever they want with someone's credit? This company needs shut down!
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| 07/02/2021 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Information belongs to someone else
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Web |
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I've been disputing fraud accounts on my credit report since XX/XX/2021. I keep sending multiple sets of letters to the bureaus and the creditors so the excuse of " we didn't get it '' doesn't happen. Furthermore, each letter is certified mail with tracking and each letter shows signed and delivered and yet the bureaus are still not taking any actions. The accounts are not showing in dispute nor are they removed from my report. The accounts always show up with different name variations and different account number variations and yet the bureaus seem to ignore the trend and let these fraud accounts affect my credit score. I have requested the investigation to be initiated and also verifiable proof to be submitted should the account claim to be mine. Not only have I not received any mail showing the verifiable proofs needed to justify the accounts to be on my report, I haven't even received any letters at all stating the investigations have begun. Per the FCRA and federal law, the process is supposed to be 30 days. 100 days later, I'm still here shelling out money for certified mail with no end in sight and no results to show. This is my last option before I take this up with my lawyers and sue for full compensations and damages incurred. Finally, it seems that when these complaints are submitted, the bureaus are using the excuse that they " can't confirm my identity '' to get away with taking no actions on my credit report. Please investigate this as well.
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| 01/23/2023 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
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- Improper use of your report
- Reporting company used your report improperly
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Web |
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XXXX, XXXX XXXX XXXX, CKS PRIME INVESTMENTS LLC and XXXX XXXX XXXX XXXX has intentionally, knowingly and recklessly harmed me financially by repeatedly failing to properly and lawfully update my personal consumer report according to specific laws written by the Consumer Protection Financial Bureau.
The law is clear and direct and should be understood by all parties involved in furnishing, publishing, and updating my personal consumer report. This is one of multiple disputes sent to XXXX, XXXX, XXXX, and several unethical and unlicensed data furnishing companies urging all parties to adhere to the law and adjust my personal report correctly. But due to a gross lack of due diligence on behalf of XXXX, XXXX, XXXX and their related subsidiary entities - unlicensed unethical, and misleading random data furnishes has had an unmetered free run at attacking and financially hurting me.
I have received multiple responses from XXXX, XXXX and XXXX stating that they review and/or investigate. Solely and firmly leaning on the LAW, and based on my results anyone with a trained eye can tell that the three bureaus did absolutely nothing pertaining to investigation or reinvestigation on my behalf, and have failed me as a consumer. If the law is broken all willing participating parties should be held accountable for any fraudulent acts, not excluding Credit Slander and Defamation of Credit. Please refer to Congressional law 15 USC 6802 ( a ) ( b ) ( c ) ( d )
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| 06/02/2021 |
Yes |
- Debt collection
- Payday loan debt
|
- Took or threatened to take negative or legal action
- Threatened to sue you for very old debt
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Web |
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Velocity Investments purchased a debt that the company claims I owe. This alleged debt was purchased from another debt collection agency, which purchased it from the original creditor. The supposed debt is related to an account that was closed or sold to a debt collection agency in XX/XX/XXXX ( over 4 years ago ). Velocity Investments has filed a lawsuit against me in relation to this account. Since XX/XX/XXXX, there have been no communications between myself and the original creditor OR any debt collection agency. I have not engaged with Velocity Investments in any way. I only recently learned of this lawsuit when a process server called my cell phone and left a voicemail. An online search led me to find out that a lawsuit had been filed against me in XXXX XXXX Superior Court on XX/XX/XXXX regarding an alleged debt of {$3200.00}. A Proof of Service has not been filed with the Court, yet I see in the Complaint filed that Velocity Investments alleges that I made a payment in XX/XX/XXXX. My credit report states that the last payment made was in XX/XX/XXXX, not XX/XX/XXXX.
No contract has been signed with this company and I have not had any communications with them. The blatant aggressiveness of this company has deterred me from attempting to contact them.
The resolution I am seeking is for this frivolous lawsuit to be terminated. This lawsuit was wrongfully filed and was done so with the purpose of harassing and intimidating me.
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| 12/04/2023 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt was paid
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Web |
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It has come to my attention that you have placed a derogatory remark on my credit bureau files pursuant to my having paid you what you claimed I owed you.
When I paid you, I relied upon the belief that you would do the honorable thing and remove your nasty and derogatory comments from my credit bureau files, which you not only failed to do but changed my listing to paid collection, which is a far worse rating in the eyes of any potential future creditors.
In doing so, you failed to realize that the Doctrine of Estoppel directly applies to this type of situation and is cause and more than sufficient grounds for my pending lawsuit against you for punitive damages in whatever amount a jury might deem appropriate for your violation of the estoppel doctrine of law.
Here is what the Doctrine of Estoppel is and how it applies to your violations of it. For the doctrine of estoppel to apply, the party of the first part ( you, the collector ) must make some statement or engage in some conduct upon which I have relied and acted upon which later proved to be to my detriment or prejudice.
In your communications with me, you told me that you would update my credit reports as soon as I had paid the debt to you. Naturally, I assumed and relied upon your statement to mean that you would mark the account as " paid as agreed '' or possibly remove it entirely.
I agreed to pay the debt and did ; after that, you worsened my credit scores.
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| 08/31/2022 |
Yes |
- Debt collection
- Auto debt
|
- Attempts to collect debt not owed
- Debt was paid
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Web |
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XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX To whom it may concern, I recently received a copy of my credit report and found that you are illegally reporting inaccurate, noncompliant, and false information about me. The following allege account ( XXXX ) is listed as a collection with a PAST DUE BALANCE OF Account XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
This is a violation of the FCRA and is also in violation of requisite XXXX XXXX compliant reporting standards By the provisions of the Fair Credit Reporting Act and per the standards of reporting compliance implemented with the XXXX enacted XXXX XXXX XXXX COMPLIANCE regulations, I have the right to a fair and accurate credit report, and you are required to remove any information that is not true, accurate, compliant, and verifiable. I demand that these above mentioned derogatory items be investigated and permanently removed from my report.
I await your reply with the above requested proof. Upon receiving it, I will correspond back with you by certified mail.
Sincerely, XXXX XXXX XXXX
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| 02/15/2023 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Problem with a credit reporting company's investigation into an existing problem
- Their investigation did not fix an error on your report
|
|
Web |
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I am writing in response to your recent communication regarding the debt collection for my account under the name of XXXX XXXX with the account number XXXX.
As per the Fair Debt Collection Practices Act ( FDCPA ), I am requesting validation of this debt. Specifically, I am requesting the following information : The amount of the debt owed The name of the original creditor The date of the last payment made towards this debt Proof of your authority to collect this debt Please note that until I receive the requested information, I am unable to determine the validity of this debt. Furthermore, I dispute the debt for the account number XXXX on the basis that it has been legally paid in full for less than the full balance.
I also dispute the debt for the account number XXXX on the basis that it is seriously past due date and has been assigned to an attorney, collection agency, or credit grantor 's internal collection department. I request that you cease all collection activities until the requested information is provided and the validity of the debt can be determined.
I would also like to request that any communication regarding this debt be done in writing, and that you cease any phone calls to me regarding this matter. Please be advised that any further contact that does not comply with the FDCPA will be considered a violation and I will take appropriate legal action.
Thank you for your prompt attention to this matter.
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| 09/19/2023 |
Yes |
- Credit reporting or other personal consumer reports
- Credit reporting
|
- Improper use of your report
- Reporting company used your report improperly
|
|
Web |
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Cease and Desist Communication Regarding Charge off I am writing to formally request that you cease and desist all communication with me regarding the debt.which you claim I owe. This letter is not an admission of any liability for this debt but a request for you to halt all communication concerning it.
According to my records and the relevant statutes of limitations, this debt has been charged off, and it is no longer legally collectible. Furthermore, any attempt to collect or re-age this debt is in violation of the Fair Debt Collection Practices Act ( FDCPA ) and other applicable laws.
Therefore, I insist that you : 1. Cease and desist all written and verbal communication with me, my family, or my associates concerning this debt.
2. Do not report this debt to all credit reporting agency and request for deletions to credit reporting agencies.
3. Do not sell or transfer this debt to any other third party.
4. Provide written confirmation, within 30 days of receiving this letter, that you have ceased all collection activities related to this debt.
Please consider this letter as a formal warning that I am aware of my rights under the FDCPA, and I am prepared to take legal action if you do not comply with this request.
I request that you send all further correspondence related to this matter, including the confirmation of cessation, and deletion.
Your immediate attention to this matter is expected and appreciated.
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| 12/15/2020 |
Yes |
- Debt collection
- Credit card debt
|
- Attempts to collect debt not owed
- Debt is not yours
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Web |
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This complaint is over a year old, so I may be too late : On XX/XX/XXXX, I received a bill from XXXX XXXX XXXX XXXX XXXX for {$3000.00}, and the " original creditor '' cited was XXXX XXXX. I have never had an account with XXXX XXXX, so this immediately aroused my suspicion.
I called to inquire and was asked for my social security number, which I refused to divulge ; after pressure I finally cited the last four digits and the rep on the other end of the line cited my SS # in full. I was then told that this was a debt dating back to XXXX ( I believe that is the correct year ; if not it was somewhere near that year ) and that I should " do the right thing '' and repay this debt .... I kept insisting that I never had a XXXX XXXX account. At this point I was offered an option to " settle '' the debt for about half the price if I " paid today. '' I said I would call back and then immediately called XXXX XXXX, whereupon I was assured that I never had an account with them.
I called XXXX XXXX back and oddly enough the gentleman with whom I had previously spoken was gone. I then informed the woman on the phone that I had never had an account with XXXX XXXX and this was a fraudulent claim. She said they had received the claim from Velocity Investments , LLC ...
I never heard from them again, but stories of recent scams in the news have lead me to feel a responsibility to report this agency for fraud. Thank you for your time.
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| 08/26/2023 |
Yes |
- Debt collection
- Credit card debt
|
- Attempts to collect debt not owed
- Debt is not yours
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|
Web |
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On XX/XX/2023, I mailed CKS Prime Investments LLC an initial letter requesting full debt validation of the alleged debt in question via Certified Mail. CKS Prime Investments LLC received my initial letter on XX/XX/2023.
After 30+ days, I did not receive a response from their office, so I mailed my second letter requesting full validation for the alleged debt in question again via Certified Mail on XX/XX/2023. CKS Prime Investments LLC received my second letter on XX/XX/2023.
After waiting for an additional 30+ days, CKS Prime Investments LLC failed to send their responses.
I mailed my last letter, requesting CKS Prime Investments LLC to remove the alleged debts, # XXXX, # XXXX, in question due to their nonresponse and their negligence to validate the alleged debt on XX/XX/2023 via Certified Mail.
As a consumer, it deeply concerns me that, despite my written disputes and the absence of proper debt validation, CKS PRIME INVESTMENTS LLC has continued to report this alleged debt on my credit reports as of XX/XX/2023, which is a collection activity. This persistent reporting constitutes a clear violation of the FDCPA and is causing me significant distress.
I do not know who CKS Prime Investments LLC is, nor have I ever done business with them or been lent any money by this agency for me to owe such alleged debt nor do I agree with this alleged debt on my reports as I never signed anything with such agency.
|
| 01/29/2022 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Problem with a credit reporting company's investigation into an existing problem
- Their investigation did not fix an error on your report
|
|
Web |
Servicemember |
|
This debt was sold from XXXX XXXX XXXX CKS Investments . I know this because I called XXXX to make the payment, who sent me to CKS. This debt was paid in full to CKS Investments on XX/XX/2001 despite NEVER receiving any communications from them. This is not an OPEN account with CKS Investment. I have disputed this account on multiple occasions because CKS Investments and XXXX refuse to report accurate information and delete the accounts as agreed. NONE OF THE INFORMATION MATCHES ACROSS AGENCIES. If the agencies are properly validating these accounts then shouldnt they all be getting the same information? Yet all 3 National Credit Reporting Agencies XXXX XXXX, XXXX, XXXX ) continue to ignore my disputes and mark it as verified as accurate. When, in reality, they can not even accurately or legally validate the account. I want these accounts removed from my credit report immediately in accordance with FCRA regulations. CKS Investments has illegally added this account as a NEW and OPEN account on my report.
Inconsistencies include : Account Type, Account Status, Account Numbers, Date Last Active, Date Last Payment, Date Last Reported, Date Open, Payment Status, Credit limit, and comments. XXXX and XXXX have missing information. These accounts have negatively affected my ability to get a credit card, a loan, a mortgage, and they are negatively affecting my military security clearance.
|
| 06/03/2021 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Account status incorrect
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Web |
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I had an account placed for collections with a company called CKS Prime Investments ( XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, VA XXXX ) earlier this year. I contacted them directly to resolve/pay the account and they informed me the account had been sold to a company called XXXX XXXX XXXX XXXX ( XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX IL XXXX ) and thati must take it up with and pay through them. I contacted XXXX and we agreed to settle the account for {$680.00} ( original amount was {$900.00} ) and it would be reflected as settled or paid in full on my credit reports. We set up a payment arrangements which i ended up taking care of well before they were actually due. The payment i made ( see attached payment history and settlement letter from XXXX ) are as follows : {$100.00} XX/XX/XXXX, {$100.00} XX/XX/XXXX, {$150.00} XX/XX/XXXX, {$150.00} XX/XX/XXXX and {$180.00} on XX/XX/XXXX ( totaling the agreed upon amount of {$680.00} ). As of today, XX/XX/XXXX CKS is reporting me as still owing an outstanding derogatory amount of {$220.00} and and an open collection account remains on my credit reports. This is a willful and negligent violation of the agreed upon contract i made and fulfilled with XXXX XXXX XXXX and this account needs to be either updated to reflect settled/paid in ful land a balance of {$0.00} or removed from my credit reports immediately.
|
| 01/03/2022 |
Yes |
- Debt collection
- I do not know
|
- Attempts to collect debt not owed
- Debt was result of identity theft
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Web |
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Account info Account name XXXX XXXX Account number XXXX Account type Unsecured Responsibility Individual Date opened XX/XX/XXXX Status Collection account. {$12.00}, XXXX past due as of XX/XX/XXXX.
Status updated XX/XX/XXXX Balance {$12000.00} Balance updated XX/XX/XXXX Account info Account name XXXX XXXX XXXX Account number XXXX Account type Credit card Responsibility Individual Date opened XX/XX/XXXX Status Open.
Status updated XXXX XXXX Balance {$530.00} Balance updated XX/XX/XXXX XXXX XXXXXXXX Account number XXXX Account type Credit card Responsibility Individual Date opened XX/XX/XXXX Status Paid, Closed. {$1.00}, XXXX written off.
Status updated XX/XX/XXXX Balance Account info Account name XXXX XXXX XXXX Account number XXXX Account type Collection Responsibility Individual Date opened XX/XX/XXXX Status Collection account. {$4.00}, XXXX past due as of XX/XX/XXXX.
Status updated XX/XX/XXXX Balance {$4700.00} Balance updated XX/XX/XXXX Account info Account name XXXX XXXX Account number XXXX Account type Note Loan Responsibility Individual Date opened XX/XX/XXXX Status Paid, Closed. {$3.00}, XXXX written off.
Status updated XX/XX/XXXX Account info Account name XXXX XXXX Account number XXXX Account type Unsecured Responsibility Individual Date opened XX/XX/XXXX Status Closed.
Status updated XXXX XXXX XXXX {$0.00} XXXX updated XX/XX/XXXX
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| 11/09/2023 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt was already discharged in bankruptcy and is no longer owed
|
|
Web |
|
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I am writing this letter to lodge a complaint against Velocity Investments LLC ( VIL ) for violations of the Fair Credit Reporting Act ( FRCA ) for its refusal to comply with its duties imposed by the law.
A. Company Contact Information Velocity Investments LLC ( VIL ) XXXX XXXX XXXX, XXXX, NJ XXXX B. Specific Complaint On or around XXXX XXXX, I filed for bankruptcy and subsequently, XXXX XXXX XXXX, ( UNI ) informed me that on or around XX/XX/2020, they had sold the loan to XXXX. I have attempted to correspond with VIL, pertaining to this matter but have thus far refused to respond. I have requested the following information : 1. Verification that VIL did in fact, purchase the rights to this loan on or around XX/XX/2020 and the amount paid for the loan ; 2. Since the transaction occurred after I had filed bankruptcy, I requested confirmation that UNI provided notice of the bankruptcy ; 3. Confirmation that they have received a copy of the bankruptcy discharge order ; 4. Confirmation that the debt has not been further transferred/sold ; 5. Confirmation that VIL is aware the debt is no longer a valid and collectible debt ; and 6. Confirmation that they are aware of the discharge injunction and that they will not take any action to collect the discharged debt.
Despite several letters seeking this information, they have refused to respond.
|
| 12/08/2021 |
Yes |
- Debt collection
- Payday loan debt
|
- False statements or representation
- Attempted to collect wrong amount
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|
Web |
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I took out a loan for a small business a few years back- XXXX XXXX. Right before the Pandemic started, there was a downturn in the market and my business was going under. My loan was sold to a collection company, CK Prime Investments. No one informed me my loan was sold, it just showed up on my credit.
I went to a debt repayment company, XXXX XXXX ( XXXX XXXX ) to pay all outstanding debt from the failed business venture, including from CK Prime Investments. They have been a headache from the start. First, both XXXX XXXX and XXXX were reporting the same debt, the debt was incorrect, when the debt repayment company made an agreement with them, I was to have the account paid in full by XX/XX/2021. I paid the account IN FULL XX/XX/2021, and they have continually to falsely report an outstanding balance of almost {$5000.00}.
I have contacted them by phone, submitted disputes through the credit agencies and they are still lying about me having an outstanding balance. Feel Free to contact the Debt Repayment Company XXXX XXXX to verify, better yet ask CK Prime Investments if they entered into an agreement with them on my behalf and what is my current balance... These collection agencies falsely reported information on our credit reports has to be against the law. It appears they are trying to get more money from us, that is not due to them.
|
| 05/19/2016 |
No |
- Debt collection
- I do not know
|
- Disclosure verification of debt
- Not given enough info to verify debt
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|
Web |
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Velocity Investments keeps demanding payment for a debt they have defective title to. I have filed a complaint with Nevada Financial Institutions Division. Velocity ignored FID letters and resumed hassling me. Copy of my new complaint I am filing with NV FID : 1 ) Velocity Investments, nor any of its agents, have provided any validation of this debt as per Financial Institutions Division, State of Nevada letter to Velocity dated XXXX XXXX, XXXX 2 ) Velocity, not its agents, have provided a verified answer with notarized signature ( per FID letter to Velocity dated XXXX XXXX, XXXX ) 3 ) That Velocity and its collections agents have violated my rights as a consumer under the FDCPA in the following ways : 1 ) attempting to collect on a debt they have not verified/validated, even though I demanded verification within 30 days of their demand letter ( XXXX XXXX Solutions ) dated XXXX XXXX XXXX XXXX FDCPA violation ) 2 ) attempting to collect a debt they have no valid legal claim to ( FDCPA violation ) 3 ) attempting to collect a debt that is beyond the statutes of limitations ( FDCPA violation ) 4 ) Failing to inform their collections agents ( 2 of them ) that the debt is in dispute ( XXXX FDCPA violations ) - Velocity may have violated my rights in other ways. I have consulted an attorney on this matter, but have not yet retained one.
|
| 03/03/2022 |
Yes |
- Debt collection
- I do not know
|
- Took or threatened to take negative or legal action
- Threatened to sue you for very old debt
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|
Web |
Servicemember |
|
On around XXXX XXXX the manager of my job brought in an envelope with garnishment papers. A company by the name of Velocity Investments has purchased an old debt an garnished my wages. I then attempted to contact the person who was suing me. I reached out via phone to XXXX XXXX to see if the garnishment could be stopped, XXXX XXXX proceeded to tell me that he would not work with me and then hung the phone up in my face. I then began to send emails only to be in contact with XXXX who then told me that he was the only person who could make any decisions on my issues. After going back and forth with XXXX XXXX and begging him not to garnish my wages he then proceeded to contact me three days later to ask for XXXX and then he would work out a payment plan. After explaining to XXXX XXXX I could not afford that amount, he told me that was the best he could do and good luck. The original debt was XXXX but after court cost and other fees I am now paying XXXX to someone whom I never had any contact with, I never gave anyone permission to give my name, address ( Which is incorrect ) and this is why I have never received anything from XXXX XXXX or his company. XXXX XXXX is now taking 25 % of my wages and it is hurting me because the cost of living is high and that amount every payday is hurting me.
|
| 03/18/2022 |
Yes |
- Debt collection
- I do not know
|
- Attempts to collect debt not owed
- Debt was result of identity theft
|
|
Web |
|
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I am XXXX XXXX and I'm submitting this complaint myself and THERE IS NO THIRD PARTY INVOLVED.
I, XXXX XXXX, consumer, natural person, and the original creditor of an open-end credit plan, am a victim of identity theft pursuant to 15 USC 1681a ( Q ) ( 3 ) under the FCRA. I have filed an identity theft report pursuant to 15 USC 1681a ( Q ) ( 4 ). VELOCITY INVESTMENTS , LLC d/b/a CKS PRIME INVESTMENTS , LLC has parked an alleged owed debt, Account Number : XXXX, on my consumer report pursuant to 15 USC 1692d ( 4 ) and this is an invasion of my privacy. Just an FYI : I understand pursuant to 15 USC 1681c-2 ( c ) I understand that you may decline to block or may rescind any block but be warned that declining to block the following information that resulted in identity theft without providing me with my written authority of it to be furnished in the first place will constitute as Aggravated Identity Theft pursuant to 18 U.S. Code 1028A. Aggravated Identity theft carries a criminal liability of up to 2 years imprisonment. I assure you the information that I am presenting to you was not blocked in error. If you believe that I obtained possession of goods and services, I need a senior Executive member of this company to put it on an affidavit signed under the penalty of perjury notarized.
|
| 02/26/2021 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Information belongs to someone else
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Web |
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Since in the previous responses XXXX XXXX, XXXX XXXX the company did not provide me with the documents that I requested, please draw your attention to my complaint again.
XXXX XXXX XXXX XXXX Reported : XXXX XXXX XXXX ) add a collection on my credit reports. Under the Fair Debt Collections Practices Act ( FDCPA ), I have the right to request validation of the debt you say I owe you.
Explain and show me how you calculated what you say I owe : Provide me with copies of any papers that show I agreed to pay what you say I owe ; Provide a verification or copy of any judgment if applicable ; Identify the original creditor ; Prove the Statute of Limitations has not expired on this account ; Show me the you are licensed to collect in my state ; Provide me with your license numbers and Registered Agent or Agent of Service.
Since you are still reporting this account on my credit report, you are now in violation of the FCPDA.I intend to follow through with the suit if I do not hear back from you within 15 days. You should also be aware that reporting such invalidated information to major credit bureaus might constitute defamation of character, as the negative marks on my credit report harm my credit and prevent me from enjoying all the benefits of good credit.
|
| 08/21/2023 |
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
|
|
Web |
Servicemember |
|
Account appears on customers credit profile twice. I have reached out to both CKS Prime Investments , LLC XXXX XXXX XXXX XXXX XXXX
CKS PRIME INVESTMENTS , LLC Account Information Address XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX NJ XXXX Phone ( XXXX ) XXXX Date Opened XX/XX/XXXX Responsibility Individual Account Account Type Open Account Loan Type XXXX XXXX XXXX Date Updated XX/XX/XXXX High Balance {$760.00} Original Creditor XXXX XXXX XXXXXXXX XXXX Past Due {$760.00} Pay Status >Collection< Estimated month and year this item will be removed XX/XX/XXXX Remarks >PLACED FOR XXXX XXXX XXXX XXXX Account XXXX Address XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, DE XXXX Phone ( XXXX ) XXXX Date Opened XX/XX/XXXX Responsibility Individual Account Account Type Revolving Account Loan Type CREDIT CARD Date Updated XX/XX/XXXX Payment Received {$0.00} Last Payment Made XX/XX/XXXX Pay Status >Sold ; was Charged-off< Terms Paid Monthly Date Closed XX/XX/XXXX High Balance ( Hist. ) High balance of {$490.00} from XX/XX/XXXX to XX/XX/XXXX ; {$760.00} from XX/XX/XXXX to XX/XX/XXXX XXXX XXXX ( XXXX. ) Credit limit of {$500.00} from XX/XX/XXXX to XX/XX/XXXX ; {$500.00} from XX/XX/XXXX to XX/XX/XXXX Estimated month and year this item will be removed XX/XX/XXXX
|
| 08/04/2023 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt was paid
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|
Web |
|
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In XX/XX/XXXX, I took out a {$3000.00} personal loan from XXXX. Somehow, my payments got linked to my XXXX XXXX XXXX debit card ( that she gets money on for chores and good grades ), so when they tried to draft my payments, they didn't go through. I didn't realize this happened and they closed my account and sold it to XXXX XXXX XXXX, a debt collector. I settled with XXXX, made payments, and paid off my balance. Meanwhile, XXXX retracted the sale of my debt but I was not notified, so I continued paying XXXX. On XX/XX/XXXX, I received a letter from XXXX that my account had been closed again and charged off and that I owed {$3000.00}. I have called XXXX many times, they say that XXXX hasn't sent them the money and that there is nothing that they can do. I have called XXXX many times. They said they transferred the debt to Velocity XXXX but that my obligation was completed. I have called Velocity many times and they say they sent the payments to XXXX. XXXX did send me a document on XX/XX/XXXX that my obligation was complete. I sent this to XXXX but they said it didn't matter because they still didn't have the money. I have called Velocity and they say that they sent payment to XXXX and that there is nothing else they can do.
|
| 12/10/2022 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Credit monitoring or identity theft protection services
- Billing dispute for services
|
|
Web |
|
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I am the original creditor. See XXXX XXXX XXXX XXXX XXXX.
United States Code Law Title 22 Chapter 2 Section 141 ( permanent character ) - affirmative action.
XXXX. XXXX XXXX and XXXX XXXX XXXX - XXXX survey blood right heir ( XXXX XXXX XXXX 12 USC 1825 ( D ) Full Faith and Credit. The full faith and credit of the United States is pledged to the payment of any obligation issued after XX/XX/1989 by the corporation, which respect to both principal and interest, if - ( 1 ) the principle amount of such obligation is stated in the obligation and ( 2 ) the term to maturity or the date of maturity of such obligation is stated in the obligation.
15 USC 1692 congressional declaration of purpose.
XXXX XXXX XXXX XXXX!!!
In accordance with the fair credit reporting act The principal debtor is responsible.
15 USC 1681 Section 602. Right to privacy 15 USC 1681 604 A Section 2 : consumer reporting agency CAN NOT furnish a account without written instructions.
15 USC 1666 B : a creditor may NOT treat payment on a credit card account under an open end consumer credit plan as late for purpose.
AGAIN I AM THE ORIGINAL CREDITOR I provided my signature ( sign of nature ).
Remove the fraudulent XXXX claims.
Thank you.
|
| 07/03/2021 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Information belongs to someone else
|
|
Web |
|
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Accounts not opened by me appear to be reporting on my report. I dont know what else to do to resolve my problem. I have listed them below.
1. Identity Theft XXXX XXXX Date of inquiry : XX/XX/XXXX This is not mine.
2. Identity Theft XXXX Date of inquiry : XX/XX/XXXX This is not mine.
3. Identity Theft XXXX XXXX Date of inquiry : XX/XX/XXXX This is not mine.
4. Identity Theft XXXX Date of inquiry : XX/XX/XXXX This is not mine.
5. Identity Theft XXXX XXXX Date of inquiry : XX/XX/XXXX This is not mine.
6. Identity Theft XXXX XXXX Date of inquiry : XX/XX/XXXX This is not mine.
7. Identity Theft XXXX XXXX Date of inquiry : XX/XX/XXXX This is not mine.
8. Identity Theft XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX This is not mine.
9. Identity Theft XXXX XXXX Account Number : XXXX This is not mine.
10. Identity Theft XXXX XXXX Account XXXX : XXXX This is not mine.
11. Identity Theft XXXX Date of inquiry : XX/XX/XXXX This is not mine.
12. Identity Theft XXXX Date of inquiry : XX/XX/XXXX This is not mine.
13. Identity Theft XXXX XXXXXXXX Date of inquiry : XX/XX/XXXX This is not mine.
14. Identity Theft XXXX XXXX XXXX XXXX XXXX XXXX XXXX Account Number : XXXX This is not mine.
|
| 07/08/2023 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Information belongs to someone else
|
|
Web |
|
|
I was a victim of identity theft on two separate occasions and my identity and credit information has been misused. I have filed complaints and disputed with companies listed and have not been able to get these resolved! To my understanding some collection accounts have been sold to other companies. I have also reached out to them and disputed. I have also reached out to XXXX, XXXX, & XXXX.
These include but are not limited to : XXXX XXXX XXXX XXXX XXXX XXXX ) Opened fraudulently XX/XX/XXXX XXXX XXXX XXXX ( XXXX ) Opened fraudulently XX/XX/XXXX XXXX XXXX XXXX ( XXXX XXXX XXXX ) Opened fraudulently XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX ( XXXX XXXX XXXX ) Opened fraudulently XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX ( XXXX XXXX XXXX ) Opened fraudulently XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX ( XXXX XXXX XXXX ) Opened fraudulently XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX ( XXXX XXXX XXXX ) Opened fraudulently XX/XX/XXXX XXXX XXXX Opened fraudulently XX/XX/XXXX XXXX XXXX Opened fraudulently XX/XX/XXXX XXXX XXXX XXXX fraudulently XX/XX/XXXX XXXX XXXX - XXXX Opened fraudulently XX/XX/XXXX XXXX XXXX XXXX Opened fraudulently XX/XX/XXXX XXXX XXXX XXXX XXXX Opened fraudulently XX/XX/XXXX XXXX, XXXX, XXXX
|
| 06/12/2023 |
Yes |
- Debt collection
- I do not know
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
I am submitting this complaint because I received a letter a few months ago from Velocity Investments LLC. I assume that the letter was a scam because I knew nothing about the stated debt and did not reply to that letter.
On XX/XX/XXXX I received an email from XXXX ( XXXX XXXX XXXX ) about the same debt which they were now collecting for Velocity Investments LLC. in the amount of {$1400.00}.
Please note that XXXX XXXX XXXX Email dated Wednesday XX/XX/, is acting on behalf of Velocity Investments LLC. who stated they assumed the debt from the XXXX XXXX XXXX.
They stated that as of XXXX XXXX that I owe {$1400.00}. I mailed a certified dispute letter to XXXX on Wednesday XX/XX/XXXX to dispute the collection letter received. I requested they correct their records regarding this invalid, non-verified debt and to discontinue any type of communication regarding that debt.
Please note that the dispute letter was sent to XXXX physical address only as reflected below. The po box is provided for references only.
XXXX XXXX XXXX ( XXXX ) ( Physical Address ) *XXXX XXXXXXXX Address Formerly Known As XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX DE XXXXXXXX XXXX XXXX XXXX XXXX
|
| 08/03/2023 |
Yes |
- Payday loan, title loan, or personal loan
- Personal line of credit
|
- Problem when making payments
|
|
Web |
|
|
I had a loan out with this company which was named something different when I did. I tried working with them on payments. I am XXXX and on a limited income and offered to make payments that would allow me to still be able to afford food, water, and shelter the bare essentials and they refused to work with me. I ended up not being able to make the payments and this provider sent my account to a collections agency called XXXX XXXX XXXX XXXX, XXXX who is now dealing with the account. They are doing the exact same thing. Forcing me to make payments monthly on an amount that I can not afford. I have mentioned I am XXXX and they refused to work with me. They offered me a monthly payment of {$120.00} a month and I can only afford {$50.00} as I stated with the previous provider and this debt collector. I borrowed {$3500.00} and now both providers are trying to force me to pay over {$7000.00} in legal fees, finance fees etc which should be completely illegal. Providers like this one and debt collectors are the reason XXXX is struggling and the people in it. Please help me in this matter negotiate something more reasonable for me to pay monthly especially since I am XXXX and already struggling.
|
| 12/14/2023 |
Yes |
- Debt collection
- Payday loan debt
|
- False statements or representation
- Attempted to collect wrong amount
|
|
Web |
|
|
I took a loan out with XXXX XXXX back in XXXX and XXXX. The company wrote one of my loan off and placed in my credit report that both loan was paid off 100 %. I been un the impression that I was debt free from the company until I received an advertising letter in the mail saying I was being sued. I was in told shock and I started inquiring into this matter. I reached out to XXXX XXXX and the rep told my to file a dispute and a complaint. There was nothing she could do on her end the account is with Velocity. I then called Velocity and the Guy told me I would have to speak with their attorney. I tried to explain to him that no one has contacted me regarding this matter from this company. He replied I still have to talk to the attorney, I called their company and explained to the Rep that both accounts I had with XXXX XXXX has been reflecting in my credit report that I have paid both accounts off. I have been under the impression that both accounts were resolved until now.
The Rep just told me that the law suit has been filed and there was nothing she could do. Very un professional. There was no ( let me look into this or call the company to see what we can do to resolve this. )
|
| 12/01/2022 |
Yes |
- Debt collection
- I do not know
|
- Attempts to collect debt not owed
- Debt was result of identity theft
|
|
Web |
|
|
I received a threat of a lawsuit from XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX Velocity Investments LLC. In 2020 I asked XXXX XXXX the original named creditor under Fair Debt Collection Practice Act, 15 USC 1692g to provide validation of the debt. They replied that they had sold the debt to Velocity and had no proof of debt and were not required to provide proof because they were not pursuing the claim. Subsequently, I have repeatedly asked Velocity to provide me with proof of debt under the relevant federal laws cited above. This request was also made in the state of California and is also covered under California Penal Code which provides for a fine of {$100.00} per day for each day that the proof is not provided. That amount now totals approximately {$54000.00} and continues to accrue because rather than providing proof of debt, Velocity has instead decided to harass and threaten me.
I have attached my first Identity Theft Report which has subsequently been updated as companies have assisted. XXXX XXXXVelocity has refused to assist and has never provided any documentation. That refusal has delayed my update of my ID Theft report and has delayed my ID Theft Insurance claim.
|
| 06/27/2023 |
Yes |
- Debt collection
- I do not know
|
- Took or threatened to take negative or legal action
- Threatened or suggested your credit would be damaged
|
|
Web |
Older American |
|
XXXX XXXX XXXX made a law suit against me on a debt that I do not have. They sent out a packet around XXXX or XXXX of XXXX to be complete concerning the debt.
I never was associated with the debt or heard of it. I receive a summon to appear in court around XX/XX/XXXX and I explain to the the attorney the debt is not mine and I sent the packet to this company. A new XXXX date was set in XX/XX/XXXX and there the attorney stated the packet was receive. Now I must go to XXXX again on XX/XX/XXXX, about this debt with this collection agency.
It appears to me that this is a game that collection plays in hopes that you do not show up to XXXX to obtain a judgement against you. So they can collected funds from your job or benefits. I have never heard of the CFPB and I pray your services can help me.
I pay my debts and I have been in this situation in the pass and my bank protected and credit card company protected me.
There must be something that can keep these collection agencies placing their false information on your credit file. Please inform me what I need to do to protect my self from such collection tactic. Take care and I appreciate any information that can guild me.
|
| 10/17/2023 |
Yes |
- Debt collection
- I do not know
|
- Attempts to collect debt not owed
- Debt was paid
|
|
Web |
|
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I had a past due loan that was set to be sold on XX/XX/2023. I paid the total remaining balance on XX/XX/2023. My XXXX account shows fully paid off and the payment was 100 % cleared on XX/XX/2023. XXXX then sold the debt on XX/XX/2023 after they already received the payment in full. On XX/XX/2023, I received a phone call from Velocity Recoveries stating that I owe them {$13000.00}, which is the amount that I paid to Upstart to pay off the loan. For more than three weeks I have been in communication with XXXX and Velocity, and they both do not have answers. XXXX told me the loan should not have been sold, it was then sold. XXXX told me they are going to recall the loan, it was not recalled. Due to this, they inaccurately reported my account as past due and sold off, when in fact I paid them in full before the sell-off date and I confirmed with my bank that the payment cleared before the sell-off date. I am still receiving calls from Velocity telling me I owe them the {$13000.00} that I paid to Upstart, again before it was set to be sold to Velocity. XXXX refuses to confirm that they received the payment in full. This is negatively impacting my credit and mental health.
|
| 08/10/2023 |
Yes |
- Debt collection
- I do not know
|
- Written notification about debt
- Didn't receive enough information to verify debt
|
|
Web |
Servicemember |
|
I was served with papers from XXXX XXXX XXXX XXXX regarding a loan from XXXX XXXX that was bought out by XXXX XXXX XXXX. I called them to discuss the debt and they had informed me what it was about. I agreed to make a payment arrangment. They were suppose to send me documentation of the debt which I never received. The only thing I received was a Judgment Stipulation by docusign. Due to a hardship I had to consider Debt Relief options. The company I am working with said they needed a statement From XXXX XXXX XXXX group showing the original creditor and the amount owed in order to help me with this debt. I called XXXX XXXX XXXX XXXX and the sent me a payment history. The only information it showed was a payment I made to them and Velocity Credits name. I called velocity Investments and they refused to send me information on the debt. They referred me back to XXXX XXXX and told me to ask for verification of the debt. I emailed them XXXX XXXX back and aked for the verification of the debt. They refused and told me to contact the court. I am filing this because, they never sent me verification of the debt from the start and now it is with the court. I dont understand why.
|
| 07/20/2021 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt was result of identity theft
|
|
Web |
|
|
According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), the credit bureaus are required by federal law to permanently remove the following account when an individual is able to furnish a report they are a victim of identity theft. I did that and they initially removed it but the creditor simply changed the account number from XXXX to XXXX but they should be able to clearly notate the account balance is the same. Hence, Ive included a FTC report for you to remove CKS Prime Investments under 12 XXXX XXXX XXXX under the account number XXXX from my credit profile as Im a victim of identity theft.
CKS PRIME INVESTMENTS Account number : XXXX Additionally, according to Section 611 ( procedure in case of disputed accuracy [ 15 U.S.C. 1681i ] in relation to reinvestigation, youve violated Requirements Relating to Reinsertion of Previously Deleted Material ( i ) Certification of accuracy of information. Please permanently remove the following fraud account from my profile. I'm asking for your assistance so CKS Prime Investments should never be able to report this fraudulent account from my profile regardless of them changing the account number.
|
| 04/06/2022 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Account information incorrect
|
|
Web |
|
|
Recently a debt was added to my credit report, the original creditor was XXXX, but it has since been transferred to a debt collector, CKS Prime investments. However, XXXX, formerly known as XXXX is the company that's actually collecting on the account for CKS Prime Investments.
I agreed to a settlement offer of {$500.00} and started making payments to XXXX as instructed, to date, I've paid {$160.00}. Upon checking my credit reports, the amount reported as due in collections is actually {$470.00}. I asked XXXX why there was a discrepancy, they advised I reach out to CKS Prime Investments. I've reached out to them XXXX, and left XXXX voicemails. They refuse to return my call.
Moreover, XXXX has reached out to them on my behalf in XX/XX/XXXX, and XX/XX/XXXX. CKS Prime Investments has not returned their request either. If the amount to be collected is {$470.00} why is CKS Prime Investments reporting to XXXX that I have to pay more? They are obligated to report accurately.
Because CKS Prime Investments are delaying communication, XXXX has halted my settlement offer until they get an precise answer. I want to get this off my report.
|
| 09/14/2023 |
Yes |
- Debt collection
- Credit card debt
|
- False statements or representation
- Indicated you were committing crime by not paying debt
|
|
Web |
|
|
I received notification From CKS Prime Investments collecting from XXXX XXXX. I have never heard of any of them. I did some internet searches stating both companies were nothing but fraud. I did not do anything. Then I started receiving letters from lawyers stating they would like to handled my case. I didnt know there was a case out there against me.
I was served papers. I called the courthouse to see if these were real. I was told to call the Plaintiffs lawyer. I called their lawyer and I explained that my named was spelled wrong and that I was not XXXX. I told her that was usually for XXXX. She told me that the people that took out this credit card was in New York. I have never lived in New York or had family or friends that live there. She told me she was going to file fraud paper work and get the paper out to me to fill out. I have not received them as of yet.
I also started complaining to XXXX XXXX and had quite a few texts from them. They told me to email them. I did then never heard a word. I sent another text, that time the text was not that nice.
Im at a loss and dont know what else to do please help
|
| 04/16/2020 |
Yes |
- Debt collection
- I do not know
|
- Written notification about debt
- Didn't receive notice of right to dispute
|
|
Web |
|
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I found out around XXXX time that strangers were ringing my doorbell asking for me. One appeared at my garage while I was inside and wanted to see my identification. I did not show it to them. My husband asked who they were and they did not reveal any information. We received knocks on our front door late evenings and early mornings on Sunday and XXXX XXXX. They would ring the doorbell and knock and ring the door bell. They would wait outside of our house in their car. I was afraid to leave the house and my kids felt disturbed about all of the times they attempted to knock and ring the doorbell over and over. They were different people over multiple times of day. Recently, I was sent a solicitation in XXXX by a debt lawyer to help resolve a collection case that Velocity LLC has against me that I was unaware. The lawyer even provided the case number from XXXX XXXX XXXX Superior Court against me which I verified. I never received any type of court paperwork notifying me of this legal action from anyone. I believe what Velocity is doing is unlawful. I need some help in determining what they have done was illegal.
|
| 01/07/2023 |
Yes |
- Debt collection
- I do not know
|
- Took or threatened to take negative or legal action
- Sued you without properly notifying you of lawsuit
|
|
Web |
Older American |
|
XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Consumer Financial Protection Bureau XXXX XXXX XXXX XXXX Washington XXXX DC XXXX To Whom It May Concern : I am the XXXX XXXX XXXX XXXX for XXXX ( age XXXX ) and XXXX ( age XXXX ) XXXX and am writing on their behalf regarding a disturbing series of interactions with a company that is harassing them and claiming that they owe them a debt.
The XXXX reside ( since XXXX ) at XXXX XXXX XXXX XXXX.
Several weeks ago, a man came to XXXX XXXX and put some papers in her hand that she did not understand for XXXX XXXX. The person in these papers is not my client XXXX XXXX, who has not had any dealings with the vendor.
This person threatened a frail and incapacitated XXXX XXXX and told her she has a duty to give this paper to XXXX XXXX. XXXX XXXX angst has been heightened by a letter sent to her home erroneously regarding XXXX XXXX.
They are both elderly and frail and can not get around. They want the harassment to stop and asked me to write this on their behalf.
Please help.
for, XXXX and XXXX XXXX
|
| 07/09/2021 |
Yes |
- Debt collection
- I do not know
|
- Written notification about debt
- Didn't receive notice of right to dispute
|
|
Web |
|
|
Hello I received notification on my credit report that I have a new collection account. I never received any mail or correspondence to my request for debt validation or right to dispute. After further looking into the alleged debt on XXXX I thought it said you have a new collection the date on the collection says I opened the account with them XX/XX/2019. If I opened an account with them they should be able to validate the information bearing my signature or a contract agreement. I haven't received anything. Then I get a notification from XXXX stating I have a new collection and its the same account being reported twice. I don't understand how companies are allowed to do this not only are they practicing unfair unverifiable debt practices, but to be allowed to enter the same account on someone's credit report twice with the exact amount and opening date is not right. I'm currently trying to buy a home and seems like companies come out of nowhere to sabotage what I have built on my credit so far. I feel if i owe an alleged debt then you should be able to provide me with documentation with my signature.
|
| 12/08/2023 |
Yes |
- Debt collection
- Credit card debt
|
- Communication tactics
- Used obscene, profane, or other abusive language
|
|
Web |
|
|
I refuse to pay any debt to XXXX XXXX XXXX account # : XXXX, XXXX, and I'm challenging its completeness and accuracy based on violations under the Fair Debt Collection Practices Act ( FDCPA ) and Fair Credit Reporting Act ( FCRA ). The relevant federal codes are 15 USC 1681a ( d ) ( 2 ) ( A ) ( i ) for false credit info, 15 U.S.C. sec. 1692e ( 8 ) for spreading false credit details, and 15 USC 1692d ( 1 ) & ( 2 ) for using threats and obscene language.
There are also violations under 15 USC 1692F ( 7 ) & ( 8 ) for postcard communication and improper language/symbols. The breach of Metro2 compliance is under 15 USC 1681a ( d ) ( 2 ) ( A ) ( i ). I'm asking for immediate action, specifically deleting derogatory info from my consumer report. According to the FDCPA, I have the right to challenge false information, supported by proof of inappropriate language ( violating 15 U.S.C. 1692d ( 2 ) ) and deceptive debt collection tactics ( violating 15 U.S.C. 1692e ( 10 ) ).
I want a quick resolution, and if not sorted within 20 days, I'll take it to the United States XXXX XXXX XXXX XXXX XXXX North Carolina.
|
| 08/17/2023 |
Yes |
- Debt collection
- I do not know
|
- Written notification about debt
- Didn't receive notice of right to dispute
|
|
Web |
Servicemember |
|
I have a fraudulent collection from XXXX XXXX XXXX XXXX aka CKS financial showing up on my credit report for {$770.00} which I have asked XXXX XXXX XXXX XXXX to provide a validation letter to me about so that I could express my civil rights to review the information and make any disputes. I followed up on XX/XX/23 by filing a complaint against XXXX XXXX XXXX XXXX on CFPB website due to harassing amount of unanswered phone call and lack of response or a validation letter upon original request. Even after requesting again for validation XXXX XXXX XXXX failed to provide me a validation letter and it has been well over 30 days. According to Section 1692g in Title 15 of the U.S. Code This section of the Fair Debt Collection Practices Act discusses a consumer 's right to have the debt collector validate a debt for accurracy. Collection efforts must cease while it's being investigated. I am now within my right to sue the collector. According to my legal counsel XXXX XXXX XXXX XXXX should not be reporting this erroneous collection on my report without even providing me validation or a chance to dispute it.
|
| 07/27/2018 |
No |
- Debt collection
- Credit card debt
|
- False statements or representation
- Impersonated attorney, law enforcement, or government official
|
|
Web |
|
|
I have consulted an attorney and am in the process of filing a motion with the courts and possibly my own civil suit because I believe this company was wrong in their attempts to collect a debt from a company that has informed me they are not represented by them. I was never given a court appearance in regards to objecting to the execution of this judgement. To this point this company has collected more than 66 % of the judgement and I have been advised to have them voluntarily stop a wage garnishment execution in lieu of my own suit and recovery of lost wages. I feel this company has acted unlawfully in the execution and used unlawful practices. If they stop the wage execution immediately, i will consider this matter closed and over. If not, then I will continue with my motion which will include my own civil suit and investigation. I hope a resolution to this matter will end now before further actions are filed. I have also attached a copy of a certified letter receipt which i never responded to which means I was never formally notified in which the courts indicate I did and signed for.
|
| 09/09/2023 |
Yes |
- Debt collection
- Credit card debt
|
- Attempts to collect debt not owed
- Debt was result of identity theft
|
|
Web |
|
|
I wrote XXXX XXXX a proof of validation letter on several occasions. XX/XX/2023, XX/XX/2023, and XX/XX/2023, in which they have responded to the XX/XX/XXXX letter stating that they performed an investigation and have already responded to my previous dispute ( completely untrue- I have noticed they don't bother stamping the certified return receipt slip to confirm receipt of the letter ) this is the first time that I have received any correspondence from XXXX XXXX ( if in fact it is XXXX XXXX who responded as their letter head has a different company name ) and they have failed to provide me with the information that I have requested. Nevertheless, according to the Fair Debt Collection Practices Act ( FDCPA ) debt collectors must provide validation of the debt if the consumer disputes it within 30 days of the initial debt collection notice. ( 15 U.S.C. 1692g. ) I disputed the debt for the following reasons. This is not my account ; the balance being reported is incorrect, this account does not belong to me. Per my request XXXX has not provided sufficient evidence that I owe this debt.
|
| 12/28/2021 |
Yes |
- Debt collection
- Credit card debt
|
- Attempts to collect debt not owed
- Debt was paid
|
|
Web |
|
|
I, XXXX XXXX, am submitting this complaint myself and THERE IS NO THIRD PARTY INVOLVED.
I, XXXX XXXX, a consumer, a natural person, and the original consumer of an open-end credit plan, paid off a credit card debt with the last reporting balance on XXXX XXXX from VELOCITY PORTFOLIO GROUP XXXX CKS PRIME INVESTEMENTS Account Number XXXX that is still reporting on my credit report as a collection account. Even though the balance is paid, Ive never given this company consent to report this debt to my consumer report which is a violation of my right pursuant to 15 USC 1692 ( c ) ( b ) and is also a violation of my privacy pursuant to 15 USC 1681a ( XXXX ). Im also not sure how this company received my information because Ive never given it to them, nor did I give anyone permission to give it to them, so this is another violation of my rights pursuant to 15 USC 1681a ( q ) ( XXXX ). Though i did pay this balance off before being ignorant of my rights as a consumer, Ive still never completed any original contact nor have I any agreement with my signature on it with this company.
|
| 05/01/2023 |
Yes |
- Debt collection
- I do not know
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
CKS PRIME INVESTMENTS LLC Account : for {$670.00}. In accordance with the Fair Credit Reporting act. This account has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 15 U.S.C 1681 section 602 A. States I have the right to privacy. 15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions In accordance with the Fair Debt Collection Practices Act. Debt collectors are not allowed to communicate with me under the 15 USC 1692C. I am not liable for this debt with CKS PRIME INVESTMENTS LLC and do not have a contract with CKS PRIME INVESTMENTS LLC They did not provide me with the original contract/application as I requested. This company has affected my lively hood with this derogatory reporting and has caused a hardship on my personal and professional life. I have submitted several disputes and CKS PRIME INVESTMENTS LLC continues to report negative information on my credit report. Please remove these accounts as soon as possible. Thank you
|
| 02/01/2023 |
Yes |
- Debt collection
- Credit card debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
The company is reporting to my credit that this account has been resolved and is no longer in their office, but they are still reporting to my credit report. I have recently sent a complaint and this was the response, but it has not been updated accurately : CKS Prime Investments , LLC ( CKS Prime ) acknowledges receipt of the consumer complaint. The account has been reviewed by our compliance team. The account associated to the consumer inquiry was settled in full and closed with our office. CKS Prime is a data furnisher and as such is subject to independent rules and regulation. In accordance with governing rules, accounts are not deleted from a consumers credit bureau because of a payment or a resolution, but rather, the credit bureau reporting of the account is updated. We do not engage in a paid to delete strategy. The account is reporting to the bureau accurately as settled in full in accordance with governing legislation for data furnishers. Should the consumer have further questions or concerns we invite them to contact us to discuss the matter further.
|
| 04/26/2022 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Account information incorrect
|
|
Web |
|
|
In accordance with the Fair Credit Reporting act XXXX Accounts has violated my rights.
15 U.S.C 1681 section 602 A states i have the right to privacy.
15 U.S.C 1681 section 604 A section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.
XXXX XXXX XXXX Account # XXXX Original creditor : XXXX XXXX XXXX XXXX XXXX XXXX
{$750.00} Balance updated XXXX XXXX, XXXX XXXX XXXX XXXX XXXX Account # XXXX Original creditor : XXXX XXXX XXXX {$1100.00} Balance updated XXXX XXXX, XXXX XXXX. XXXX, XXXX Account # XXXX Original creditor : XXXX XXXX {$1000.00} Balance updated XXXX XXXX, XXXX XXXX XXXX XXXX Account # XXXX Original creditor : XXXX XXXX {$1300.00} Balance updated XXXX XXXX, XXXX XXXX XXXX XXXX Account # XXXX Original creditor : XXXX XXXX {$2100.00} Balance updated XXXX XXXX, XXXX XXXX XXXX XXXX Account # XXXX Original creditor : XXXX XXXX XXXX XXXX {$540.00} Balance updated XX/XX/2022 XXXX XXXX XXXX Account # XXXX Original creditor : XXXX {$1200.00} Balance updated XX/XX/2022 XXXX
|
| 06/08/2023 |
Yes |
- Debt collection
- Other debt
|
- Written notification about debt
- Didn't receive enough information to verify debt
|
|
Web |
|
|
CKS prime Investment LL acct XXXX the original creditor so the account which is not account that I-opened I never lived at the address they have on file. I have filed a dispute with all XXXX credit bureaus and since police report of my information being stolen due to a break-in in my car for my personal information was in last year in XXXX. I have asked XXXX to remove all addresses that are not mine however they express that I have to go through the consumer financial protection bureau to dispute mine address and creditor needs to send me proof of original contract with my signature on the loan. They have recently got a hold of my new address not sure how however they recently started contacting me in regards to this account that is not mine I refuse to pay for an account that I did not open unless they show me proof that this is an account that I opened I am not liable to pay the account. XXXX told me to contact you in regards to disputing my issue with this credit company or a loan company. Help me resolve this issue thank you.
|
| 08/10/2021 |
Yes |
- Debt collection
- Other debt
|
- Threatened to contact someone or share information improperly
- Contacted you after you asked them to stop
|
|
Web |
|
|
In accordance with 15 U.S.C 1681i, I am contesting the accuracy of the alleged late payment history. Under Section 3, I am requesting that this information be removed from my credit history. On the XXXX of XXXX, I wrote a letter to the debtor requested the reinvestigation of the validation of the negative marks that are appearing on my credit report. This alleged debtor has failed to validate the alleged misinformation and I am seeking self remedy to get this matter resolved. In accordance with 15 U.S. Code 1692d, this company is in violation of engaging in the conduct the natural consequence of which is to harass, oppress, and abuse in connection with the collection of a alleged debt. This company has repeatedly attempted to collect on an erroneous debt has has threatened, the my reputation. Under 15 U.S. Code 1681c1, this alleged debtor has continued to furnish my consumer information and use my identity without my written consent and I would like for this information to be removed from my credit report immediately.
|
| 06/16/2023 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Account information incorrect
|
|
Web |
|
|
This strange collection on my credit report I have no relationship with the debt collector and dont owe them a debt.
They need to prove to me that they are the owner of this alleged debt with a contract or some purchase contract who they are saying they got this alleged debt from.
If they have bought from another debt collector I want to see the chain of assignments going all the way back to this original creditor.
If they can not provide any of this, then this is identity theft and defamation of character.
They are also reporting inaccurate to the credit reporting agencies that do not add up.
CKS PRIME INVESTMENTS , LLC Account Number XXXX XXXX is reporting the date of the last activity as XX/XX/XXXX while XXXX is reporting XX/XX/XXXX. This is a clear 2-year difference. This is a violation of reporting. Need I remind you this falsely manipulates the statutes of limitation on when this account is supposed to fall off.
They are breaking the law by reporting inaccurate information to the credit bureaus.
|
| 04/04/2023 |
Yes |
- Debt collection
- Credit card debt
|
- Written notification about debt
- Didn't receive enough information to verify debt
|
|
Web |
|
|
After reviewing my credit profile on XX/XX/XXXX. I identified discrepancy with account listed under CKS PRIME INVESTMENTS LLC and validation was requested as this was an account that I did not recognize. I reviewed my credit report and I have not received any correspondence from creditor to validate this account as correctly belonging to me, nor has my credit report been updated to reflect that the account is disputed and therefore a 2nd validation letter was sent on this day. After reviewing credit report again on XX/XX/XXXX there have been no updates and account is still reflecting on the report. I do not believe the account belongs to me nor do I believe that the creditor has authorization to access the account nor authorization to attempt to collect on the account and the account continues to negatively affect me. Please strike and remove this account from all XXXX credit bureaus until adequate validation has been received proving that the account belongs to me and all information is correct.
|
| 10/07/2016 |
No |
- Debt collection
- Other (i.e. phone, health club, etc.)
|
- Communication tactics
- Threatened to take legal action
|
|
Web |
|
|
A person by the name of XXXX XXXX called my work phone, which is not a direct contact line. When I returned the call they were asking me personal identity questions while refusing to identify why they were calling or who they were calling on behalf of. They were rude, and in the end threatened me and told me I had to make arrangements today to pay today. I had no prior contact from this agency called XXXX. I also had not heard of the company they claimed to have received my file from, Velocity Investments LLC. When I responded that I was at work and could not take the time to handle this phone call, but would look for something from them in the mail, " XXXX XXXX '' told me I better call back on a break today. Again I repeated that I did not have the time to deal with the call today and again I was told I better call on a break. Then she said she would write in my file that I said I would call back today, I told her I did not say that, but she again said I had to call back on a break today.
|
| 03/20/2023 |
Yes |
- Debt collection
- Credit card debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
I got an Issue with a collection Agency called CKS Prime Investments I never received a call or a letter from this company the only reason I knew it was on there is the fact I got an alert from the credit report agency that a new collection account was added. The account this company has is an account from XXXX credit card I never had an account with this company I got in touch with the original creditor they did their investigation and determine that it was a fraud account and sent me a letter stating that it would be removed off my credit reports. The collection agency didnt remove it so I disputed though the credit report agencies with the dispute I provided the letter from the original creditor the collection agency still didnt remove it but they did something sneaky by leaving it on my credit reports changing some of the information like the name of the original creditor name the type of account, and the closed date. I tried to contact them by phone but could never get an answer.
|
| 06/30/2023 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Improper use of your report
- Reporting company used your report improperly
|
|
Web |
|
|
The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system. So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of my privacy with my consumer report, since I control what is listed and what is not. In the event that any accounts are reported without my written consent, that is considered identity theft. This is a violation of both 15 U.S. Code 1681b ( 2 ) and 15 U.S. Code 1681c-2. This leads way to civil liability against the credit reporting agency for negligent and willful noncompliance under 15 U.S. Code 1681n, which allows for {$1000.00} per violation, for account listed without my expressed written consent.
|
| 01/31/2024 |
Yes |
- Credit reporting or other personal consumer reports
- Credit reporting
|
- Credit monitoring or identity theft protection services
- Problem canceling credit monitoring or identify theft protection service
|
|
Web |
|
|
ON XXXX XXXX I CONTACTED THE COMPANY BY PHONE. I REQUESTED THAT THIS IS ABOUT THE 8th TIME SENDING COPIES OF MY SSN CARD, PROOF OF ADDRESS TO VERIFY MY IDENTITY AND FOR THEM TO REMOVE ALL INACCURACIES FROM MY REPORT. UNDER USC 15 1681g I REQUESTED TO SPEAK TO A SUPERVISOR. UPON EXPRESSING TO HIM THAT THE COMPANY CONTINUES TO SEND ME A REPORT WITH SOMEONE ELSE 'S SSN ON MY FILE. I AM REQUESTING THAT IT HAS TO BE REMOVED IMMEDIATELY AND HIS RESPONSE WAS IT BELONGS TO YOU AND IT WILL REMAIN ON MY FILE. THIS WILL BE THE MY LAST ATTEMPT TO HAVE THESE ITEMS REMOVED.
UNDER. USC 15 1681g subchapter ( e ) ( 1 ). PARAGRAPH 1.
I HAVE PROVIDED THE COMPANY WITH ( i ) the presentation of a government-issued identification card UNDER USC 15 1681g subchapter ( d ) ( 1 ) I AM REQUESTING ANY DOCUMENTS USED TO VERIFY THAT THE ACCOUNT # ENDING IN XXXX THAT I OPEN THIA ACCOUNT AND ALL SIGNATURES BELONGS TO ME.
I WILL BE SEEKING MONETARY DAMAGES FOR ALL VIOLATIONS UNDER FCRA.
|
| 08/16/2022 |
Yes |
- Debt collection
- Payday loan debt
|
- Attempts to collect debt not owed
- Debt was paid
|
|
Web |
|
|
My debt with XXXX was sent to XXXX debt collection services and both XXXX and myself agreed I would pay 6 payments of just over XXXX dollars each as full settlement of the debt. The day before I was set to make my final payment I was told that the debt had been " recalled '' and that I had to call XXXX. When I then called eaglevalley they admitted that all of this was true and that instead of one payment of XXXX left to settle the debt I now owed over XXXX dollars. I'm worried I'm being lied to and scammed. I was given an agreement to settle the debt and it is not being honored. I have emails to prove the settlement and payments. Now I'm recieving calls from a collection agency called velocity investments for what I believe is the same debt. the number of velocity investments is XXXX. I don't know how I'm supposed to believe yet another debt collector about this debt when the last one lied to me. Please help. thank you.
|
| 01/06/2022 |
Yes |
- Debt collection
- Credit card debt
|
- Attempts to collect debt not owed
- Debt was result of identity theft
|
|
Web |
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CKS Prime Investments LLC/ CKS XXXX XXXX Is continuing to report fraudulent information to credit bureaus stating that i ( XXXX XXXX ) owe them {$1000.00} for a collection account in which the original creditor XXXX XXXX XXXX XXXX XXXX XXXX XXXX. After i sent in request them to validate the debt with verifiable and accurate completeness by send me the contract bearing my signature as proof that the account belongs to me. I also made them aware that i am a victim of identity theft and fraud. I sent a copy of the police report as proof of my identity being stolen. they responded by mailing me a letter with just account details such as amount and account number. they failed to validate any debt claimed to belong to me. There was no signed signature bearing my name. I contacted them after receiving the letter and made them aware that they failed to properly validate the debt. They refused to delete the fraudulent account.
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| 10/16/2023 |
Yes |
- Debt collection
- Other debt
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- False statements or representation
- Told you not to respond to a lawsuit they filed against you
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Web |
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I received a letter stating that i lost a lawsuit, the plain tiff is velocity investments llc. The process server they used lied about serving me and changed his statements about this, I have proof of this. The plain also used a false address so I missed my window to file a new motion. However I was able to get a Petition for review on this matter. The plaintiff knew what they were doing by using an address that I did not live at so they could deceive the court into thinking i had info about this case.
If you see the attachments the affidavit is different from the statement they gave. Also it states i am XXXX to XXXX XXXX pounds, I am XXXX and XXXX pounds, license is attached, further more they stated my hair is XXXX it is XXXX XXXX. Attached you will find documents showing this. The attorney and the collection agency should be sanction for this.
Now this a picture of my husband he is XXXX, just to show context..
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| 12/29/2023 |
Yes |
- Debt collection
- I do not know
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- Attempts to collect debt not owed
- Debt was paid
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Web |
Servicemember |
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I noticed I had a collection with CKS Prime back in XX/XX/2023. I paid in full the amount due which was {$640.00} on XX/XX/23. I have asked numerous times to have this removed because it has been reporting a balance due now for the past XXXX months. CKS Prime is saying that the debit paid is to a different creditor. That is false I paid CKS and have acknowledgement from CKS I owe them nothing. CKS kept the payment and never returned the money if I owed someone else, I am due a refund from them. I asked for verification on the collection that is reporting to my credit bureaus. I never received verification or proof I owe CKS. Strangely, the amount I paid is the same amount reported to XXXX, XXXX, and XXXX. I will attach tracking information which shows it was received from CKS Prime. At this point, I need two verifications, one for the {$640.00} and another for the collection still reporting for the same amount.
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| 01/09/2023 |
Yes |
- Debt collection
- Credit card debt
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- Communication tactics
- You told them to stop contacting you, but they keep trying
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Web |
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I was being harassed being sent an email about the alleged debt three times a week. A Cease and Desist was sent to CKS Prime Investments by email on XX/XX/2022 and a copy was sent through mail as well. I have received no further email or any response to my cease-and-desist letter from this company. I received an investigation result from XXXX dated XX/XX/2022 stating that the alleged account reported by CKS Prime Investments to be verified and accurate. This is a violation of FDCPA. Per 15 USC 1692a ( 2 ) The term communication means the conveying of information regarding a debt directly or indirectly to any person through any medium.
CKS Prime Investments had continued communication indirectly by reporting this alleged debt to the credit reporting agency XXXX. An investigation was done by XXXX and CKS Prime Investments violated my Cease-and-desist order by communicating through the credit reporting agency.
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| 02/10/2022 |
Yes |
- Debt collection
- Credit card debt
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- Written notification about debt
- Didn't receive enough information to verify debt
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Web |
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On XX/XX/2020 I noticed an account on my credit reports that I did not recognize from CKS Prime Investments. I realized I had never received a notice of the right to dispute regarding this collection. That same day, I sent CKS Prime Investments a letter to validate the account. I have a certified return receipt signed for my letter on XX/XX/2020 by XXXX XXXX. In the XXXX days that followed I did not receive any documentation validating either debt. On XX/XX/2020 I sent a follow up letter stating they failed to validate the debt, neglecting to send any documentation and requesting to have the accounts removed from my credit reports immediately. My XXXX letter was received certified return receipt on XX/XX/2020, also signed for by XXXX XXXX. Again, I received not response and the accounts were still not removed. I sent all of my documentation to the XXXX credit bureaus and again it was not removed.
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| 05/28/2023 |
Yes |
- Debt collection
- Credit card debt
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- Took or threatened to take negative or legal action
- Threatened or suggested your credit would be damaged
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Web |
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I just received a letter from your company stating that I owe an outstanding balance ( see your letter attached ). This letter is not a refusal to pay, however, I would like to let your company know that I am disputing your claim. Under the FDCPA, I am allowed to request verification from third party collection agencies. As you know, not complying with FDCPA will put your company in a bad position with the FTC, so I am asking that your company supply me with a copy of the following : 1.Proof that you either own or were assigned the debt from the creditor 2.Proof that you have the right to collect this debt in my state 3.Proof that your company carries a bond 4.Proof on how your company assessed the outstanding debt 5.Payment history from the original creditor 6.Name and address from the original creditor 7.Copy of the original contract bearing my signature Thank you for your time and cooperation
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| 02/27/2021 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
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- Incorrect information on your report
- Information belongs to someone else
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Web |
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I have been monitoring my credit report and their are inaccuaries on accoun not of my doing, and have not been authorized anyone to do so. As an THE ORIGINAL CREDITOR, the law states unverfied accounts and inquieries must be removed immediately. These accounts are not authoried by me and I do not owe these alleged debts.
XXXX shows the following misinformation : XXXX XXXX XXXX {$940.00} XXXX XXXX XXXX XXXX XXXX XXXX {$120.00} XXXX XXXX XXXX XXXX XXXX XXXX {$100.00} XXXX XXXX XXXX XXXX XXXX XXXX {$100.00} XXXX XXXX ) XXXX XXXX {$120.00} XXXX XXXX XXXX XXXX XXXX XXXX. {$120.00} XXXX XXXX XXXX XXXX the following : XXXX XXXX XXXX {$940.00} XXXX XXXX XXXX XXXX XXXX XXXX {$30.00} XXXX XXXX ) XXXX XXXX XXXX {$970.00} XXXX XXXX ) XXXX XXXXXXXX XXXX {$28.00} XXXX XXXX XXXX XXXX XXXX XXXX. {$100.00} XXXX XXXX XXXX XXXX XXXX XXXX. {$100.00} XXXX XXXX XXXX XXXXn XXXX XXXX. {$120.00} XXXX XXXX )
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| 12/07/2023 |
Yes |
- Credit reporting or other personal consumer reports
- Credit reporting
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- Improper use of your report
- Reporting company used your report improperly
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Web |
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Good Morning An account from your company is appearing on my credit report. I am not aware of having any account with your company. I request that you investigate this matter and provide me with the following : A legible copy of the original signed agreement for this account, which should show my personal information, as well as my signature.
Name and contact information of the original creditor, if this account was transferred or purchased.
Any other documentation verifying the account is, in fact, mine.
If you can not or will not provide me this information, then I formally request you send me a letter stating that this account does not belong to me and that it will be removed from my credit reports.
Until this matter is cleared up, I firmly request that you stop reporting this account altogether.
Please give this matter your prompt attention.
Thank you so much for your time.
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| 09/19/2022 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
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- Improper use of your report
- Reporting company used your report improperly
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|
Web |
Servicemember |
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In accordance with the fair credit reporting act, CKS Prime Investments has violated my rights
. 15 U.S.C. 1681, Sec. 602A states I have a right to privacy. 15 U.S.C. 1681 604A Sec. 2 also states a consumer reporting agency can not furnish an account without my written instruction.
To further add, this account has been settled and : Once a settlement is reached and payment is made as agreed, the collection agency is responsible for : reporting the debt as paid in full, or reporting the debt as settled for less than original amount and considered paid in full, or deleting the collection from the consumers credit report as part of a pay to delete agreement with the borrower, which this company says they will not do.
The collection agency is required to report the same information to all three credit bureaus.
I am requesting this to be removed from ALL credit reporting platforms.
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| 05/26/2023 |
Yes |
- Debt collection
- I do not know
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- Took or threatened to take negative or legal action
- Threatened to sue you for very old debt
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Web |
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I received a call from this company saying I had an owed debt and that I either need to pay {$7000.00} in settlement or pay {$2200.00} in order to set up a payment plan. I told them repeatedly I can not afford that amount and they insisted if I do not pay either of those amounts that I would be sued, despite my trying to set up a payment plan arrangement. I have received no notification via mail or email saying anything about legal action and all of the reviews listed for this company say this is a fraud tactic. Additionally, I was told unless I provided my bank account information they were going to close my file and that I will be sued if not. Then they said I had until XX/XX/2023 to pay or the creditor would take legal action. I've received no proof or declaration of legal action and I feel I was coerced into providing my bank information under the threat of legal action.
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| 02/11/2021 |
Yes |
- Debt collection
- Medical debt
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- Attempts to collect debt not owed
- Debt is not yours
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Web |
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On XX/XX/2020, I sent a debt validation letter via certified mail with return receipt to CKS Prime Investments at XXXX XXXX XXXX XXXX VA XXXX requesting Debt validation. Tracking # XXXX shows it was received and signed for on XX/XX/XXXX, XXXX by XXXX XXXX Debt validation is my federal right granted under the Fair Debt Collection Practices Act ( FDCPA ). Since I was NEVER contacted by the collection agency regarding any alleged debt, I reached out immediately after noticing the unfamiliar account on my credit report. It has now been well over the allowed 30 days and CKS Prime Investments has failed to provide any of the required documentation under FCRA to prove this alleged debt is mines however they continue to report the debt to the credit bureaus, which is a clear VIOLATION OF FCRA & my rights as a consumer are being violated by this company. THIS DEBT IS NOT MINES.
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| 10/17/2022 |
Yes |
- Debt collection
- Credit card debt
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- Written notification about debt
- Didn't receive enough information to verify debt
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Web |
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CKS PRIME INVESTMENTS LLC, Was sent a certified letter of validation on XXXX 2022, on XXXX 2022, CKS prime investment LLC received the letter of validation. See attached documents with certified receipt. According to the fair debt collection practices act I have the right to request validation of the debt the collections allegedly say that I owe. However CKS prime investments LLC has refused to validate your collections account information but is still reporting to credit bureaus on the collections account without validating the account in question on my credit report. The validation letter requested information that is vital to be validated based on my whole life has been exposed over the Internet the agreement that bass the signature of the lead that needs to also be included in the validation of this account. But CKS prime investment is refusing to cooperate.
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| 04/03/2023 |
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
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Web |
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As of XX/XX/2016 a student loan was opened on my account which states I owe XXXX which says it owed to velocity investments , llc. In pursuant of a fair judgement regarding state statues the company and or credit bureaus are illegally posting accounts past Marylands statue of limitations. They are posting fake payments I never made and they have nothing with my signature bearing as evidence of any scheduled payments. For years this has left me in a position that hindered me from using my credit and seeking better financial opportunities. I deserve a fair chance to resume being in good standing with economic endeavors of credit in mind. Ive reached out to the creditors and the bureau agencies themselves. When confronted they stated it would be removed as per statue of limitation. When this was stated it would disappear and they would repost several months later
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| 01/20/2024 |
Yes |
- Debt collection
- Credit card debt
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- Written notification about debt
- Didn't receive enough information to verify debt
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Web |
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On XXXX XXXX a debt verification letter was sent certified mail to XXXX XXXX XXXX XXXX. Due to the alarming high amount of fraud purported by debt collection agencies specific information, outside of what was initially provided, was requested by me. I am making this complaint to let it be known that communication was sent to this debt collector. Out of all the things requested in the debt validation letter a copy of THE PURCHASE AGREEMENT is the most essential to validationof the alleged debt. I require a copy of the purchase agreement so I may with my own eyes see that the original creditor has stated a claim of accuracy relating to amount of the alleged debt. I believe the company in question will have no problem producing the documents that I am requesting, seeing as they have made claims that they do have full right to collect on the alleged debt.
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| 05/07/2018 |
No |
- Debt collection
- I do not know
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- Written notification about debt
- Didn't receive notice of right to dispute
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Web |
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I recently received notice from my human resources department, that a company named Velocity Investments LCC is trying to garnish my wages. Prior to this garnishment notice, I have never heard of this company. This garnishment attempt is a violation of my federal rights under the Fair Debt Collection Practices Act. A creditor can not attempt to collect a debt without first providing notice of said debt, and giving them a right to dispute it.
Also, I believe they are violating my rights under Virginia state law. The statute of limitations to collect a debt in the state of Virginia is 6 years. I have access to my credit report with all three credit bureaus. I do not see anything on my report from Velocity Investments , LLC ; not even in my public records section. So this debt is well over 7 years old, and has already aged off of my credit report.
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| 10/12/2023 |
Yes |
- Credit reporting or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Account status incorrect
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Web |
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CKS Prime Investments ( CKS Finanancial ) continues to report that my collections account is still open even though the balance is XXXX.
It was confirmed with an agent at CKS Prime Investments over the phone on XX/XX/XXXX, that the account has been closed since XX/XX/XXXX. I called back on XXXX XXXX and requested that I receive documentation of this so I may provide it to XXXX XXXX and XXXX.
After approximately, one month, I still had not received the document. I requested this again on XX/XX/XXXX and XX/XX/XXXX. I was told that they resubmitted the request and it just needs to wait for approval by the team who handles requests like these.
I don't understand why this company can't report that the account is closed since it is paid in full, but they won't even send me the document I need to handle this with the credit bureaus on my own.
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| 07/14/2022 |
Yes |
- Debt collection
- I do not know
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- Attempts to collect debt not owed
- Debt is not yours
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|
Web |
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Initially I contacted XXXX in regard to a collection appearing my credit report by CKS Investments asking that it be validated which was stated to be verified however, with no signed contract bearing my name. I then contacted CKS investments via certified mail # XXXX and asked for the debt to be validated, there was no response. I contacted XXXX again in regard to this matter, asking it be investigated & validated by providing an original document bearing my signature via certified mail on # XXXX which came by verified. Per Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ) I was not provided a copy of original documentation. Furthermore, XXXX has failed to provide the method of verification as required under Section 611 ( a ) ( 7 ). I believe XXXX has been derelict in maintaining accurate information in regard to my credit file.
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| 07/21/2021 |
Yes |
- Debt collection
- I do not know
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- Attempts to collect debt not owed
- Debt is not yours
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|
Web |
Servicemember |
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My name is XXXX XXXX and I am inquiring about an account thats noted on my XXXX Credit Report. I have called XXXX to inquire about that account and they gave me your info to contact you. I then contacted your bank and they have no info on the account and what it pertains to. It is critical that I obtain written confirmation saying that account isnt mine or whatnot from you in order to removed it from my credit report. May you please respond back as soon as conveniently possible. My XXXX XXXX husband is getting XXXX soon and its vital that we close on this pending house for our children and I so that he can be at peace while hes XXXX. We have been calling around to find out more about that account thats opened under my name because I have no recollection of ever opening an account with XXXX XXXX XXXX Thank you so much for your time.
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| 07/30/2023 |
Yes |
- Debt collection
- Other debt
|
- Took or threatened to take negative or legal action
- Sued you without properly notifying you of lawsuit
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|
Web |
Servicemember |
|
I had a loan with XXXX and I have all of my payment history to attest this. When I attempted to pay off the loan between the XXXX and XXXX payment to clear the entire account XXXX denied the payment XXXX times and falsely reported to to the XXXX credit bureaus that I stopped making payments in and sold the closed account to Velocity Investments who bought it illegally. XXXX breached contract and Velocity Investments is now suing me in court since then I have not had a proper service of this which violates my rights to a due process. They claim I breached contract with Velocity Investments and they are lying on court documentation to obtain a debt not due to them. I need assistance with this matter as This is not the original creditor and the original creditor denied pay Off to violate FCRA and report negatively on my credit report.
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| 07/10/2023 |
Yes |
- Debt collection
- I do not know
|
- Attempts to collect debt not owed
- Debt was result of identity theft
|
|
Web |
Servicemember |
|
I was notified in writing that the company XXXX sold my information to another company known as Velocity Investments LLC. Apparently this took place XX/XX/2021 without my written consent. This company claims I now owe them XXXX. I have never gone into written agreement with them, nor was I privvy on how they acquired my PERSONAL INFORMATION. I want them to cease and desist all debt collection actions against me and withdraw the transaction information from all my consumer reports. Furthermore, I would like original documentation from Velocity Investments LLC and XXXX with proof of them getting permission from me to exchange my information for this alleged debt. This has caused great financial harm to me and my family. This is in direct violation of the rights afforded to me by the Gramm-Leach-Bliley Act 15 USC 6821 ( a ) 1,2, & 3.
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| 05/06/2023 |
Yes |
- Debt collection
- I do not know
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
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I declare under penalty of perjury ( under the laws of the United States, If executed outside of the United States ) that the foregoing is true and correct to the best of my knowledge Frther, I certity that I am permised by FEDERAL and STATE LAW to file this dispute. I also understand that knowing and willul misstatements or omissions of material facts consetutes a FEDERAL CRIMINAL VIOLATION punishable under 18 U.S C. 1001.
Additionally, these misstatements are punishable as perjury under 18 U.S. C. 1621. This collection found within my credit report are not related to any transaction that I made. fam alleging that a person or company- without my authorization- used my personal Identitying information to apply for goods, services, or money : and, was successful in creating some accounts. All is being invessigated by the FTC
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| 03/17/2023 |
Yes |
- Debt collection
- Other debt
|
- Took or threatened to take negative or legal action
- Sued you without properly notifying you of lawsuit
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|
Web |
|
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I was not made aware of the transfer/sell of the debt. The response is false information and the copy you sent did not provide any justification. The collectors did not send anything to me prior to CFPB complaint. The original old debt was written off by a different company. The amount is incorrect and there is no legal right to sue in the state of Arkansas because I do not have a contractual agreement with this junk debt collecting agency. I did not receive a written notice/debt validation letter within five days of the collector 's initial attempt to contact you. I was only notified by advertised attorney mail indicating I was being sued. This debt collector did not follow the law. The debt agency did not send actual proof of notifying me of the debt validation. They mailed copies of irrelevant information to my complaint.
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| 05/16/2023 |
Yes |
- Debt collection
- I do not know
|
- Threatened to contact someone or share information improperly
- Talked to a third-party about your debt
|
|
Web |
Servicemember |
|
CKS Prime Investments LLC contacted my mother and my sister-in-law about this alleged debt and the contents and threatened them in order to try and get my contact information from them. I have never received a validation of this debt or any notice of debt from CKS Prime Investments LLC nor have I ever heard of this debt collection company. I have never been provided any change to dispute this alleged debt due in the amount of {$540.00} which is a violation of my FCRA rights. I do not recognize this debt nor do I owe this debt. It is illegal to contact third parties about debt owed or to threaten people about an alleged debt if they don't give you someone's contact information. It is also fraudulent to put a collection on someone's credit report without any proper notice of debt or validation of allegedly owing said debt.
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| 02/27/2022 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt was result of identity theft
|
|
Web |
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CKS Prime Investments also known as XXXX XXXX XXXX located at XXXX XXXX XXXX XXXX
XXXX XXXX XXXX New York XXXX Is reporting inaccurate information to the credit bureaus. I am a victim of identity theft and fraudulent accounts. I submitted police reports and they refuse to honor them. I have had fraudulent accounts on my report by other creditors that have been removed by me providing requested documents. But this company wants to be the judge and jury and wants me to pay for something that is not mine. Identify theft is not my fault and they are making it out to be my fault. I cant help accounts were fraudulently made. They are causing me great distress.They have spoken to me rudely and they have over talked and spoken loudly to drown me out on telephone conversations. This is unlawful and should be handled accordingly.
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| 12/03/2022 |
Yes |
- Debt collection
- I do not know
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
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I declare under penalty of perjury ( under the laws of the united states, if executed outside of the united states ) that the foregoing is true and correct to the best of my knowledge. Further, I certify that I am permitted by FEDERAL and STATE LAW to file this dispute. I also understand that knowing and willful misstatements or omissions of material facts constitutes a FEDERAL CRIMINAL VIOLATION punishable under 18 USC 1001. Additionally, these misstatements are punishable as perjury under 18 usc 1621. This collection found within my credit report are not related to any transaction that I made. I am alleging that a person or company -without my authorization- used my personal identifying information to apply for goods, services or money and was successful in creating some accounts. All is being investigated by the FTC
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| 03/10/2016 |
No |
- Debt collection
- Credit card
|
- Cont'd attempts collect debt not owed
- Debt resulted from identity theft
|
|
Web |
Servicemember |
|
I have received a threating letter from XXXX XXXX, Incorporated address XXXX XXXX XXXX XXXX XXXX, XXXX, SDXXXX.
Phone number XXXX or XXXX file # XXXX Dated of letter received : XXXX XXXX, 2016 I believe this is an overt attempt to collect on credit card that was discharged off my credit report and should n't be sent to my attention at this point. As matter of fact this is an old debt from what the letter states. Its been resolved. I was a victim of identify theft and even though this is coming to me now its been discharged period.
Current Creditor : Velocity Investments , LLC, Named person is XXXX XXXX, Operations Manager Original Creditor : XXXX XXXX, XXXX.
Original account # XXXX This is nothing but extortion of an old debt which probably was sold to this organization. I want this issue resolved and closed out.
|
| 03/28/2023 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Problem with a credit reporting company's investigation into an existing problem
- Their investigation did not fix an error on your report
|
|
Web |
Servicemember |
|
Find CKS Prime on my credit report as attempting to clean it after a care provider took advantage of this XXXX veteran. Upon contacting CKS prime, I was told they hold the account for Velocity Investments at XXXX ( XXXX ) XXXX, and could not work with me. I called the number, and was received a recording for medic alert, and given the run around. I do not recognize these charges on my credit reports, as I would not, with a con-artist care provider abusing my money and credit while also playing a romance scam. I am just trying to clear my credit report, and given the run around, not even able to pay anything off if that were my intentions. Since CKS Prime can't verify Velocity investments they claim they are holding for, or give me contact to resolve anything, please remove all of those items from my credit report.
|
| 02/20/2023 |
Yes |
- Debt collection
- I do not know
|
- Took or threatened to take negative or legal action
- Threatened to sue you for very old debt
|
|
Web |
|
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I have a complaint filed against me by a debt buyer named Velocity Investments LLC in the district court of XXXX XXXX Washington State under case no XXXX. This complaint was filed against me without any prior written notice of the stated alleged debt or default. According to the FDCPA, I am entitled to a written notice of any alleged debt or default I might owe and that i am entitled to demand verification of such debt. In addition, my name has been smeared in the public eye for being accused of allegedly owing a debt i completely deny, causing much embarrassment and indignation. I request that cfpb investigate Velocity Investments , LLC to see if in fact they have fallowed consumer protection laws and if they truly are who they say they are as stated in the complaint they filed against me.
Sincerely, XXXX XXXX
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| 10/07/2020 |
Yes |
- Debt collection
- Auto debt
|
- Attempts to collect debt not owed
- Debt was result of identity theft
|
|
Web |
|
|
In 2015, a car loan was allegedly opened in my name at XXXX with XXXX. I did not sign for this car loan, nor did I authorize anyone to sign for me. The debt has now been sold to XXXX XXXX XXXX who has been taken over by Velocity Recoveries. I have submitted extensive documentation showing that I was not even in the country at the time the transaction took place, police reports showing theft of identifying documentation just a couple months prior to this incident. I also had a forensic document XXXX to review the signed contract. The XXXX, proved that I did not conduct this transaction. I have written to XXXX, XXXX, and Velocity Recoveries to let them know of the fraudulent activity way back in XXXX. It is now XXXX and no changes have occured, the account is still listed on my credit report and it is causing harm.
|
| 03/20/2022 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Information belongs to someone else
|
|
Web |
Servicemember |
|
After receiving notice of Identity Theft Affidavit, CKS Prime Investments is in voilation of FCRA 623 ( 6 ) ( A ) ( B ).
CKS Prime Investments is reporting an account on my credit reports that had fraudulent activity that has been reported. Although they have been notified of this and provided with the documentation, they only changed the status to closed on the account reporting but they have not removed the account.
In compliance with FCRA 623 ( a ) ( 8 ) ( D ), and enacting regulations published at 74 Fed Reg 31484 ( XX/XX/2009 ), this Notice of Dispute includes the following account : CKS Prime Investments Account : XXXX {$530.00} Under the provisions of FCRA 623 ( a ) ( 8 ) ( E ) & FRCR 623 6 ( A ) ( B ), you have the duty to remove your credit listing after being notified of Identity Theft.
|
| 10/18/2021 |
Yes |
- Debt collection
- I do not know
|
- Took or threatened to take negative or legal action
- Threatened to sue you for very old debt
|
|
Web |
Servicemember |
|
I have received at least 8 letters in the mail during the last couple of weeks. These letters are from local law firms stating that I have been sued by a company called Velocity Investments. I have no idea who this company is, what debt they are referring to, what amount, etc. Yet, I am getting these threatening letters in the mail almost on a daily basis. I have reached out to each of the law firms and asked them to remove me from the mailing list. I am the victim of identity theft so I have been down this road before. Debt collectors with harassing calls, texts, and letters for a debt that is not even mine. I even had one company show up at my door to say I got served. I've had companies threatening to call my job. This Velocity investment seems to be another in a long line of scam companies.
|
| 12/01/2021 |
Yes |
- Debt collection
- Credit card debt
|
- Took or threatened to take negative or legal action
- Threatened to sue you for very old debt
|
|
Web |
|
|
They sued me for a debt that was more than 10 years old from XXXX. The lawyer was XXXX and XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX NJ XXXX number XXXX XXXX XXXX the the company was Velocity Investments LLC XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX NJ XXXX. They are garnishing my pay without showing any proof that I owed the debt. I sent numerous letters to them but they moved forward with garnishing my wages. They sent me documentation that they bought the debt from someone back in XXXX I have several receipts from certified mail sent to all the parties involved letting them know that this debt was both not mines and it was too old to try to collect.
The garnishment was for XXXX and they are taking 200 to 250 out of my paycheck every period. It feels like I'm being robbed
|
| 05/22/2023 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
|
- Incorrect information on your report
- Account status incorrect
|
|
Web |
|
|
I have sent several requests to CKS Prime Investments for verification of an account they are reporting to XXXX, XXXX, and XXXX for a XXXX XXXX credit card and have disputed with them and no verification was ever provided. CKS claims they have taken action that was never taken. Please provide proof that verification documents were sent within 30 days of XX/XX/XXXX when my first request for verification was sent to CKS Prime. Subsequent requests were sent to several operating branches of this company including CKS XXXX and Velocity Investments in XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX. My personal information was not legally obtained and The companys credit reporting is not legal and this matter requires escalation instead of a canned respond that does not sufficiently respond to my requests.
|
| 03/13/2017 |
Yes |
- Debt collection
- Other (i.e. phone, health club, etc.)
|
- Disclosure verification of debt
- Not given enough info to verify debt
|
|
Web |
|
|
BEING SUED IN SMALL CLAIMS BY VELOCITY INVESTMENTS LLC, UPON CALLING THEM TO VERIFY THE XXXX, THEY SAID IT WAS WITH AN ATTORNEY AND THEY COULD NOT PROVIDE ANY INFO. HOWEVER THEY WERE ABLE TO VERIFY THAT THEY ARE A DEBT BUYER AND NOT THE ORIGINAL CREDITOR. THEY GAVE ME THE ATTORNEY 'S INFO. UPON CONTACTING THE ATTORNEY ON FILE THEY SAID THEY WERE REPRESENTING XXXX WHICH IS NOT THE FACT! AND IN FACT THEY ARE REPRESENTING VELOCITY INVESTMENTS ( WHICH IS ON THE XXXX COUNTY COURT WEB SITE NOT XXXX ) SINCE THEY BOUGHT THE DEBT AND ARE NOT ACTING AS AN ASSIGNEE OR EVEN SUBROGEE THEY JUST BOUGHT THE DEBT. THE ATTORNEY 'S REP IS SAYING THEY ARE REPRESENTING LENDING CLUB..AS I UNDER STAND " Holding unintentional misrepresentation of debt collector 's legal status violated FDCPA '' XXXX, XXXX ( XXXX )
|
| 05/24/2017 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Public record information inaccurate
|
|
Web |
|
|
This is a continuation of a resolved issue. I have recently resolved an issue with Velocity I nvestments, they closed a case against me that should not have been brought in the first place. They issued a judgment against me. As they have closed the case and have sent a dispute letter acknowledging the closure of this case, I would like them to issue a Praecipe of Satisfaction to remove this from my credit report. Because of them I have had this on my credit report for more than 10 years. I have been in contact with a company representative who stated that he would in fact help get this document produced by the attorney and have it submitted to the Prothonotary, how ever it has been almost a month and this has not happened. Thus, this continues to be reported in error against me.
|
| 12/20/2018 |
Yes |
- Debt collection
- Credit card debt
|
- Written notification about debt
- Didn't receive enough information to verify debt
|
|
Web |
|
|
Dear VELOCITY : Kindly provide validation regarding information transmitted to credit reporting agencies for me, with regard to the asserted account XXXX. Since reporting errors may be in the account history, I hereby request that your company send such validation within a month of receipt of this request. This request is for more than just a review without detail. Rather I have demanded a formal audit. Should you not be able to provide such lawful documentation during this reasonable period, any information communicated by VELOCITY to the credit bureaus should not be deemed truthful and may bespeak your disregard for consumer protection statutes. Should this be the circumstance, please DELETE this account.
I offer my sincere gratitude for your assisting with this circumstance
|
| 05/21/2021 |
Yes |
- Debt collection
- Credit card debt
|
- Written notification about debt
- Didn't receive enough information to verify debt
|
|
Web |
Servicemember |
|
On or about XX/XX/2021 Velocity Investments LLC/ Velocity Portfolio Group contacted me via dunning letter attempting to collect a debt, by assuming I owe a debt to Velocity Investments LLC/ Velocity Portfolio Group ( Exhibit A attached ). On XX/XX/2021 I mailed a letter request that they validated the debt ( Exhibit B attached ). On or around the last week of XX/XX/2021 I received a package from XXXX XXXX, XXXX with countless document associated with my credit file/report which I never gave them authorization to obtain. XXXX XXXX XXXX is in Violation 15 USC 1681q, 15 USC 1611 ( 1 ), 15 USC 1692b ( 2 ), 15 USC 1692b ( 5 ), 15 USC 1692c, 15 USC 1692c ( 1 ), 15 USC 1692c ( 3 ), 15 USC 1692d ( 2 ), 15 USC 1692e ( 14 ), 15 USC 1692f ( 1 ), 15 USC 1692g and 15 USC 1692j ( a ).
|
| 03/09/2021 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
Upon receiving my recent Credit report, I have found information regarding debt that is being claimed against me.
I've been working diligently to improve my credit, despite having difficulties with collection agencies in the past. I've done my research on debt collection practices and how to manage my personal finances better. I've been saving for quite some time to pay off my accounts and finally did. This was difficult as the collectors were unwilling to work with me at times. That said I was able to pay off the accounts by starting with a new slate on my credit. The collection agencies in question have not removed the accounts from my credit report yet the rest being damaged because of it. They informed me that they would stop reporting the accounts but haven't.
|
| 10/01/2020 |
Yes |
- Debt collection
- I do not know
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
Older American, Servicemember |
|
Dear Sir I received a letter in the mail from this company called Velocity Investments LLC, and XXXX XXXX XXXX for a debt. They say I owe XXXX dollars for a debt they are trying to collect. The reduced amount is XXXX to settle the debt. I lived in the XXXX XXXX XXXX XXXX for 31 years I paid my bills on time I am a veteran and I worked for the XXXX XXXX XXXX XXXX for 17 years and the monitored my debt activities and I had to keep my bills paid on time so t could keep my job with the department. I paid my home loan with XXXX XXXX XXXX and auto loan with XXXX XXXX bank. I kept my credit monitored back XXXX XXXX because I was a victim of credit fraud. And the government offer credit monitoring for employees. This letter I received in the mail from them on XX/XX/2020.
|
| 11/21/2023 |
Yes |
- Debt collection
- Credit card debt
|
- False statements or representation
- Attempted to collect wrong amount
|
|
Web |
|
|
I received an email stating that the company that purchased this debt CKS Prime uses ( XXXX XXXX XXXX ) which seems to be the company CKS Prime uses their accounts for a one-time payment of {$280.00} plus the processing fee, which was paid to this company on XX/XX/2023. They received this payment they agreed to as a paid in full payment and are now trying some XXXX XXXX to get more than the original amount was. I was only informed of this after requesting the account be removed from my credit report after CKS Prime got their payment they agreed to. CKS Prime seem to be trying to take advantage of people that are down on their luck and as CKS Prime will send out emails offering to settle for a onetime payment which seems to be false / flat out lying to someone.
|
| 10/09/2022 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Improper use of your report
- Reporting company used your report improperly
|
|
Web |
|
|
This creditor CKS PRIME INVESTMENT is still violating my rights to privacy of 15 U.S.C 1681. 15 U.S.C 1681 section 604 -A section XXXX states a consumer reporting agency can not furnish a account without my written consent, I do not owe CKS PRIME INVESTMENT ANY Money and I demand that they provide actual validation with my WRITTEN CONSENT STATING I OWE THEM AND THST I GAVE THEM PERMISSION TO VIOLATE MY RIGHTS TO PRIVACY I also demand a copy of the contract binding both parties ( CKS PRIME INVESTMENT & the company they are representing ) In a letter by certified mail so that their is a independent witness to it having been delivered, I also demand a response from CKS PRIME INVESTMENT within 5 days as listed in the terms of the the consumer book! kind regards!
|
| 08/19/2022 |
Yes |
- Debt collection
- Auto debt
|
- Took or threatened to take negative or legal action
- Sued you without properly notifying you of lawsuit
|
|
Web |
|
|
I have been sued and had a levy put on my bank account twice now by Velocity Investment without any notification of lawsuit or buying of debt. Requested multiple times to be provided proof of debt, proof of original creditor, etc and have received nothing. Through research, I can only determine they may be attempting to collect on an old auto debt that is already past statute of limitations and on a vehicle that was returned to them years ago. I have disputed this amount with credit agencies and have received no notification from Velocity Investment at all in any form. Only informed of their existence due to their name being on the levy provided by my bank. Clear violation of multiple consumer protections and invalid lawsuit resulting in the theft of funds.
|
| 06/29/2020 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Problem with a credit reporting company's investigation into an existing problem
- Investigation took more than 30 days
|
|
Web |
|
|
Thank you for taking the time to review my complaint. In XX/XX/2016 I was granted a car loan with assistance from my mother. With my mother as co-signer, the vehicle had high payment with a high-interest rate. Understanding the laws of unfair sales practices, a co-signer shouldn't be a liability. When there's a transfer of risk, according to laws, being placed in a financial burden is illegal. Being young at the time, the first vehicle, payments were made according to term agreement. Within the second year of the contract, the vehicle experienced a major decline with issues. Vehicle costs increased within the second year of the contract. Unable to maintain both costs of maintaining the vehicle ; our decision was to return the risk which was placed with us.
|
| 02/01/2022 |
Yes |
- Debt collection
- I do not know
|
- Took or threatened to take negative or legal action
- Sued you in a state where you do not live or did not sign for the debt
|
|
Web |
|
|
XX/XX/2021, a recent collection letter from these companies Amount {$4300.00} Attempting to collect a debt accused by Velocity Investments , LLC.
According to Velocity Investments , LLC ; I owned them money for the amount of {$4300.00}.
I disputed that letter because I don't owe them anything and I didn't borrow money from them either or never have a credit card from them. After a few months of the disputed letters ; registered and certified. Then Velocity, XXXX, XXXX gave my personal information to XXXX, XXXX PAXXXX And this Law office is now harassing me to collect a debt that Velocity is making things up.
Their actions will totally destroy my credit background. It affects my mental ability to work because I am feeling stressed out by their actions.
|
| 05/29/2022 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Information belongs to someone else
|
|
Web |
|
|
In accordance with the Fair Credit Reporting Act 15 U.S.C 1681 & Fair Debt Collection Practices Act 15 U.S.C XXXX CKS PRIME INVESTMENTS, has violated my rights.
( XXXX XXXX XXXX XXXX XXXX XXXX ) HAS VIOLATED MY RIGHTS.
15 U.S.C XXXX section 602 A. States I have the right to privacy.
15 U.S.C XXXX section 604 A. Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.
15 U.S.C XXXX b ( 2 ) not state that such consumer owes any debt.
I HAVE NEVER DONE BUSINESS OR EVEN HEARD OF THIS COMPANY BEFORE. I RECENTLY CHECKED MY CREDIT REPORT AND THIS INACCURATE INFORMATION WAS LISTED WITHOUT AN ACCOUNT NUMBER. I WAS NEVER NOTIFIED ABOUT THIS INACCURATE INFORMATION UNTIL I CHECKED MY CREDIT REPORT.
|
| 03/03/2022 |
Yes |
- Debt collection
- I do not know
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
I received a letter from XXXX dated XX/XX/XXXX Indicating that I had an outstanding Velocity Investments LLC debt of nearly {$8000.00} going back to XXXX of XXXX. I responded that this is not my debt. I have never dealt with Velocity Investments, nor with The XXXX XXXX.
I then received a letter from XXXX dated XX/XX/XXXX asking me to complete a notarized affidavit outlining all of my personal and private information. This affidavit boldly stated on each page not to notify the FTC or any other government agency.
I called them to tell them I would not offer any personal or private information and that I would file a complaint with the FTC. I also indicated that I would consider having the information reviewed by my lawyer.
I believe this to be a scam.
|
| 08/15/2020 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt was result of identity theft
|
|
Web |
|
|
In late XX/XX/XXXX or early XX/XX/XXXX I was contacted by a firm calledXX/XX/XXXX, XXXX, claiming I had stopped making payments on an account I had with them. I notified them that I had never had any account with them, and to send me all documents repeated to the account. I was sent a number of account statements, but they refused to send the original contract or provide details as to how, when, and by whom, the account was opened. They stopped responding to my correspondence I was subsequently contacted by a firm called Velocity Investments , LLC. This firm claims to have purchased the original account. Again I requested all documents I'm entitled to under the FDCA. Again, no response. This firm has now filed a law suit attempting to collect the debt.
|
| 10/24/2023 |
Yes |
- Debt collection
- Payday loan debt
|
- Attempts to collect debt not owed
- Debt was result of identity theft
|
|
Web |
|
|
I HAVE NOTICED I HAVE MANY INSTANCES OF MISINFORMATION REPORTED ABOUT ME, EITHER THE MISINFORMATION STEMS FROM INACCURATE REPORTING, REPORTING OF UNVERIFIABLE INFORMATION, REPORTING OF INVALID INFORMATION, FRAUDULENT REPORTING OF INFORMATION, OR REPORTING THE INFORMATION I BELIEVE IS IDENTITY THEFT. I HAVE NO KNOWLEDGE OF HOW THE MISINFORMATION STEMMING FROM THE ABOVE CAME ABOUT. I HAVE NOT AUTHORIZED ANYONE TO MISUSE OF MY PERSONAL OR FINANCIAL INFORMATION. PLEASE PHYSICALLY VERIFY ALL ACCOUNTS, DATES, NOTATIONS, BALANCES, CALCULATIONS, ACCOUNTING RECORD, WHETHER RECORDED OR NOT TO INCLUDE XXXX 426-CHARACTER P6 STATEMENT, 5 PART PERSONAL IDENTIFIERS AND ALPHA NUMERIC AND ALPHA NUMERIC SOURCE CODES AND DELETE/BLOCK PERMANENTLY THE REPORTING OF ANY.
|
| 12/14/2023 |
Yes |
- Debt collection
- I do not know
|
- False statements or representation
- Attempted to collect wrong amount
|
|
Web |
Servicemember |
|
I noticed I had a collection with CKS Prime back in XX/XX/XXXX. I did not ask to settle I paid in full the amount due which was {$640.00} on XX/XX/XXXX. I have asked numerous times to have this removed because it has been reporting a balance due now for the past XXXX months. It has caused financial hardship since we are purchasing a house. I have emailed, called, and sent a certified letter. My response was I should contact another company because they bought it. I paid CKS Prime and they are the ones reporting this to my credit reports ( XXXX, XXXX, and XXXX ). Please have this company remove this inaccurate information immediately. I will attach proof of where it was paid and even a receipt emailed to me from CKS showing the balance due is XXXX.
|
| 10/28/2015 |
Yes |
- Debt collection
- I do not know
|
- Disclosure verification of debt
- Not given enough info to verify debt
|
|
Web |
|
|
I previously had a complaint submitted. My Submission number : XXXX when I called the the XXXX number I was informed by a female who answered the phone they ca n't provide any information on the complaint and that i need to resubmit another complaint. I received a debt validation letter from attorney XXXX office who represents Velocity Investment, LLC. Account Name : XXXX XXXX and Original Creditor is XXXX. XXXX XXXX and his client has the name under XXXX. I sent XXXX XXXX several certified letters requesting any documentation that has a loan made under XXXX XXXX. I do n't recall making any loan under that name with XXXX. I was a victim of identity theft and just want to make sure that XXXX XXXX and his client provided the proof of documentation.
|
| 06/13/2022 |
Yes |
- Debt collection
- I do not know
|
- Written notification about debt
- Didn't receive notice of right to dispute
|
|
Web |
|
|
I am submitting this complaint as there is no third party involved, I am making this complaint to CKS PRIME INVESTMENT, L on my own behalf. Because I believe this business is infringing on my right to privacy. The Privacy Act of XXXX is being pursued.
This company exploited my personal identifying information without my permission, which is considered identity theft under 15 USC 1681a ( q ) ( 3 ). Also, this company is penalizing me, damaging my name, and undermining the public confidence by furnishing an account to the consumer reporting agencies for which they have no legal power or direct contract to try to collect on this supposed obligation. 18 USC 894 prohibits such conduct. " Collection of extensions of credit by extortionate means
|
| 10/09/2023 |
Yes |
- Debt collection
- Credit card debt
|
- Attempts to collect debt not owed
- Debt was result of identity theft
|
|
Web |
|
|
Account name XXXX XXXX XXXX XXXX ( PURCHASED AN ACCOUNT FROM " XXXX XXXX THAT HAD A FRAUDULENT ACCOUNT TAKE OVER WITH FRAUDULANT UNAUTHORIZED CHARGES A WHILE BACK " AND NOW HAS IT IN COLLECTIONS AFTER I REPORTED FRAUD AND THEFT TO XXXX XXXX MULTIPLE TIMES, I AM NOT RESPONSIBLE FOR ANY CHARGES AND WILL NOT PAY IT, THE ACCOUNT WAS STOLEN AND USED WITHOUT MY PERMISSION. IT IS IDENTITY THEFT, REMOVE IT! BELOW IS THE ONLY INFOR I FOUND!
Account number XXXX Account type Debt Buyer Responsibility Individual Date opened XX/XX/2023 Status Collection account. {$710.00} past due as of XX/XX/2023.
Status updated XX/XX/2023 Balance {$710.00} ( FRAUD ) Balance updated XX/XX/2023 Recent payment - Monthly payment - Original balance {$710.00} ( FRAUD )
|
| 04/28/2022 |
Yes |
- Debt collection
- Credit card debt
|
- Attempts to collect debt not owed
- Debt was paid
|
|
Web |
|
|
I have contacted CKS several times on this matter. They are advised numerous times they do not own this account even though they are reporting on my credit report to XXXX, XXXX, and XXXX. I was advised to contact Velocity Investments at XXXX where that had the account transferred to and as the new owner. I spoke to Velocity Investments today XX/XX/28 and they confirmed they held the account and accepted the payment offer of {$360.00} along with the request to have the item deleted from my credit report. Payment made and Velocity Investment provided payment confirmation # XXXX. They also stated they would submit a letter in 10 business days confirming arrange. In result, CKS is still reporting inaccurate information to the credit agencies.
|
| 04/04/2023 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
Servicemember |
|
Velocity, CKS Prime stated while attempting to collect a debt, that it is not legal for them to remove a collection item from my credit report for 7 years, as it is proven differently on this very site. I request CKS Prime/Velocity, to provide me with all the assignment paperwork showing they held legal rights to any funds from me, and they failed to do that, and the case was closed. I still request in writing, good will deletion, or 30 days from the previous request for documentation that was not provided before the case was closed. I really don't want both myself, and CKS Prime to waste our resources over a couple of accounts already marked closed, but if that is the route CKS Prime/Velocity wishes to take, they may hear from me often.
|
| 04/24/2022 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Information belongs to someone else
|
|
Web |
|
|
On XX/XX/2022, CKS Prime Investments, L added a derogatory mark on my credit report ( XXXX XXXX XXXX XXXX ). After I did some research, this account was sold/transferred and I am no longer responsible for this account. The debtor creditor never certified this collection. Also, there was no written document or form of communication, a contract or signature for this debt that I am being accused of at all. If there was a bill without a signature, that does not validate this debt which anyone can send a bill and say that it is mine.
It is written in the FCRA ; that according the regulations, this collection agency has violated my rights as a consumer and I am exercising my rights to that legal action to remove this account immediately.
|
| 06/15/2023 |
Yes |
- Debt collection
- Credit card debt
|
- Written notification about debt
- Didn't receive notice of right to dispute
|
|
Web |
|
|
I noticed on my credit report a collection account listed for {$860.00} from CKS Financial. I did not recognize this account nor received any notice regarding the validity. As I went to their website, it directed me to another named Velocity Investments. When I attempt to enter information to pull up this account from their website using my phone and social, no account could be found. I submitted this with a screenshot to the credit reporting agencies disputing this account as I could not verify the account on the velocity investment website. All attempts to contact via their phone number listed on my credit report just sits with a busy signal or on hold.
Somehow the credit reporting agency says the debt has been validated.
|
| 03/21/2022 |
Yes |
- Debt collection
- I do not know
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
Servicemember |
|
I received a debt collection letter for an account i have no knowledge of, I have been diagnosed as completely XXXX and unemployable from XX/XX/2011 and didnt open any loans nor have I worked in 11 years to receive any income besides XXXX. I reached out to the company by email, and certified mail to verify this debt and to cease collections until they verify the debt and for them to send me information regarding this debt, unfortunately this company never sent me any correspondence concerning this debt and immediately filed a illegal lawsuit against the fcra laws for a debt I have no knowledge of. The email, phone and address on this debt civil suit is not associated with me I never stayed our own the email our phone number.
|
| 08/24/2015 |
Yes |
|
- Disclosure verification of debt
- Right to dispute notice not received
|
|
Web |
|
|
I never received as the summon declares the demand made for payment XXXX days prior to this summon. This is not the truth. I do n't know who Velocity Investment llc never heard of them. I had an auto account with XXXX XXXX XXXX. They claim I owe XXXX. I do n't owe this, amount this is not accurate. They are sending me to court and never contacted me before this time. XXXX sold them this account. I do n't want to communicate with Velocity or their representation lawyers either. I want XXXX to communicate with me about any debts that they feel I owe them. I sent a letter to Velocity and their lawyers to validate this debt they claim I owe. I do n't owe them anything. I never signed a contract with Velocity or their lawyers.
|
| 06/24/2021 |
Yes |
- Debt collection
- Credit card debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
There are 2 collection accounts on my credit report that shows the " original creditor '' and the account type which state DEBT BUYER. Pursuant to 15 USC 1692D ( 4 ) selling a debt is a violation. By these accounts being listed as debt buyer is also a violation pursuant to 15 USC 1692E ( 14 ) due to a 3rd party attempting to collect as somebody else. in this case XXXX XXXX is attempting to collect as XXXX XXXX XXXX and CKS PRIME INVESTMENTS is attempting to collect as XXXX XXXX.
These collections ( junk buyers ) are infringing upon my privacy as I have the right to privacy and never gave them ANY permission to access my personal information as well as well as furnish ANY information on my credit report.
|
| 01/15/2024 |
Yes |
- Debt collection
- Credit card debt
|
- Written notification about debt
- Didn't receive enough information to verify debt
|
|
Web |
|
|
On XX/XX/2023, I mailed CKS Prime Investments a certified letter ( USPS Tracking number : XXXX XXXX XXXX XXXX XXXX XXXX ), which they received on XX/XX/2023. Despite sending a certified letter, they have not responded or provided the requested validation.
On XX/XX/2023, I mailed them another certified letter ( USPS Tracking number : XXXX ) ; which they also received on XX/XX/2023 asking for the immediate closure of the disputed collection account and the cessation of its reporting to the credit bureaus within 15 days since they failed to address it within the first 30 days.. They proceeded to update the account with the credit reporting agencies YET they still did not acknowledge my letter sent to them.
|
| 12/23/2021 |
Yes |
- Debt collection
- I do not know
|
- Written notification about debt
- Didn't receive enough information to verify debt
|
|
Web |
|
|
I attempted to contact the company in question, CKS Prime Investments, after seeing them on my credit report. That company then directed me to a second company, Velocity, who stated my account was placed with a third company, XXXX. None of the companies contacted can provide a validity of the debt, state where it came from or what it's from, nor will they provide an option for payment. I attempted disputing the information with the credit bureaus who basically stated XXXX XXXX owns the debt but I have confirmation from a chat that I had with them that they're not the appropriate company. It is a false negative mark on my report and I can not get anyone to remove it despite the fact the debt isn't valid.
|
| 10/23/2022 |
Yes |
- Debt collection
- Credit card debt
|
- Took or threatened to take negative or legal action
- Threatened to sue you for very old debt
|
|
Web |
Servicemember |
|
I previously filed a complaint about this law firm due to their lack of proof. No written contract production, no proof of ownership, alleged debt XXXX XXXX. They agreed to drop things. They then proceeded to sue me in my local court for the same matter. I live in XXXX XXXX XXXX is based in Virginia. I still have zero proof of ownership of said debt. According to the information that the XXXX XXXX XXXX submitted they are the owners. So how can they be the owners and also suing for the company that they purchased the debt from. I further state that the alleged debt has been re aged which is a clear violation. When was the fist delinquency? When was the last payment?
The previous case number is XXXX
|
| 11/20/2020 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Information belongs to someone else
|
|
Web |
|
|
On XXXX XXXX, XXXX, CKS PRIME INVESTMENTS add a derogatory mark on my credit report per XX/XX/XXXX and XX/XX/XXXX. On XX/XX/XXXX, CKS PRIME INVESTMENTS add a derogatory mark on my credit report per XX/XX/XXXX. Upon further research, this account was transferred /sold and I am no longer responsible for it. Debtor*s creditors did not verify this collection. Also there was no written form of communication, contract or signature for this account debt at all. A bill without signature does not validate the debt and anybody can send a bill and say it is mine. According to the FCRA CKS PRIME INVESTMENTS has violated my rights as a consumer and I requesting legal action to remove this account immediately.
|
| 03/09/2021 |
Yes |
- Debt collection
- Credit card debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
This has been going on for years that I keep getting letters for a debt with XXXX. It first started on XX/XX/14 with XXXX XXXX XXXX. I filed a complain with CFPB on a debt I have never had and on XX/XX/14 XXXX sent CFPB a letter that I have never had an account with XXXX. Then on XX/XX/14 I received a letter from XXXX XXXX XXXX stating I owed this debt from XXXX. I filed a complaint here and XXXX XXXX XXXX killed the collection notice. Now yesterday I received a letter from XXXX XXXX XXXX XXXX saying I owe {$680.00} for a credit card I have never had. Attached you will see all my previous letters I have received and the letter from XXXX. I have also attached the new letter I received yesterday.
|
| 03/25/2023 |
Yes |
- Debt collection
- Credit card debt
|
- Attempts to collect debt not owed
- Debt was paid
|
|
Web |
|
|
On XX/XX/2023 I received notice via email from CKS prime investment regarding a debt that they were attempting to collect. On XX/XX/2023. I settled the debt in full. CKS prime investments. negligently, and callously reported this debt to all three credit bureaus on XX/XX/2023 after receiving payment. This shouldve never have happened. How could a paid debt be reported as a Collection after the fact, it was already resolved, This was very damaging to my credit score and negligent of CKS investment to report a paid as agreed debt after the fact. I feel CKS prime investments, and staff shouldve done a thorough check before reporting to all three credit bureaus that this debt had been resolved.
|
| 11/28/2022 |
Yes |
- Debt collection
- Credit card debt
|
- False statements or representation
- Attempted to collect wrong amount
|
|
Web |
|
|
I reached out once already via the cfpb group. This company still has the incorrect information on my credit report. Nothing has been corrected. Originally they said the closed paid via settlement was instead reported as a payment via my credit report. It then took almost XXXX more XXXX to mark as paid and its still incorrect on my credit report. It is still showing as open. Whenever I call the company Im either hung up on or given the wrong information and given another companys number to call when they are not even involved. I will keep reaching out to have my credit report fixed. It should say the same thing across the board to all XXXX bureaus and it doesnt. It should be marked CLOSED.
|
| 11/10/2022 |
Yes |
- Debt collection
- I do not know
|
- Attempts to collect debt not owed
- Debt was result of identity theft
|
|
Web |
|
|
I have consolidated all my credit card debts with XXXX XXXX. I have been paying them for a year or so, until they keep extending my pay off date, I realized they are trying to rip me off so I canceled everything with them. They sent me a cancellation proof and documents, One of them was sent to collection Agency which is Velocity Investments LLC. The name was under my name but the address was not my address. The address was XXXX XXXX XXXX XXXX XXXX XXXX, XXXX CA XXXX. I was hacked years ago, I was a victim of Identity Theft and that address was used by those theft. I have not lived in XXXX California ever. I didn't know I have been paying debts that were not mine thru XXXX XXXX.
|
| 08/07/2022 |
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
|
|
Web |
|
|
The collection agency has repeatedly called daily for the past year. Many of those calls are outside of approved times before XXXX am and after XXXX pm. Calls during the day are persistent and disruptive to my work schedule. They have also called from numbers indicating they were from businesses I have relationships with, individuals I know, or even numbers associated with legitimate US government agencies like the Postal Service or Customs and Border Protection. They have also called coworkers indicating they were from Customs and Border Protection, and I was in trouble and needed to be contacted. They have also told coworkers erroneous information about my financial situation.
|
| 07/08/2019 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Account information incorrect
|
|
Web |
|
|
XXXX XXXX sold a debt to XXXX XXXX who sold it to velocity investments who filed a lawsuit in XX/XX/XXXX. We had a court date set for XX/XX/XXXX. They failed to show up for court. The judge dismissed for want of prosecution. They never did provide the appropriate documentation according to Texas law on me actually owning this debt because they do not have the right documentation. The judge felt like they had plenty of time to provide evidence. The had thirty days to file a motion. They have three days left to file and havent done it yet. This should be removed from my credit report. If you cant prove I owe the debt in the court of law it should be scrubbed from my credit report.
|
| 04/22/2022 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Information belongs to someone else
|
|
Web |
|
|
I had a fraudulent account on my credit. I disputed the original creditor XXXX XXXX and under FCRA 605 the information was removed and blocked on all bureuas. The debt was bought by a debt collector who reported it under XXXX XXXX. I disputed this again under FCRA 605 and all bureaus except XXXX removed the fraudulent information. They said XXXX provided sufficient proof to report. This is false.The original creditor stopped reporting and XXXX and XXXX removed XXXX so how was proof provided to XXXX to keep the fraudulent account but not XXXX or XXXX who have followed the FCRA. XXXX is in direct violation of the FCRA even after receiving the theft affidavit and police report.
|
| 03/16/2022 |
Yes |
- Debt collection
- I do not know
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
Older American |
|
XXXX XXXX XXXX XXXX is trying to collect a debt they say I owed Velocity Investments , LLC on XX/XX/2002. They claim I had an account with them. I never had any account with Velocity Investments , LLC, nor have I ever heard of them. Furthermore, that is XXXX years ago! I responded telling them the above information. They did not provide any verification, but instead are asking for personal information that they want notarized and are asking for a photo ID. I responded telling them that I do not owe any debt and am not going to send any personal information to them. I also informed them that they are attempting to collect a debt that is XXXX years old and is statute barred.
|
| 08/10/2023 |
Yes |
- Debt collection
- I do not know
|
- Attempts to collect debt not owed
- Debt was result of identity theft
|
|
Web |
|
|
I am not liable for this debt as I do not have a contract with Velocity Investments LLC I am making this complaint because I am a victim of identity theft according to the FCRA and have not given written permission for these accounts to be furnished on my consumer report, furthermore, I have reached out to Velocity and they referred me to XXXX XXXX XXXX an attorney. When I connected the attorney they could not give me any information. I am being run around in circles and would like to get the issue resolved. No one will verify the debt is mine or give me any information once I say XXXX XXXX is not me. Please remove the item from my credit report and stop any legal action.
|
| 06/13/2023 |
Yes |
- Debt collection
- I do not know
|
- Took or threatened to take negative or legal action
- Threatened or suggested your credit would be damaged
|
|
Web |
|
|
I, XXXX XXXX, consumer and natural person, am aware of all rights that I have, and which are protected by The Congress under the Fair Credit Reporting Act ( FCRA ). The list of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.
Account Name : CKS PRIME INVESTMENTS Account Number : XXXX XXXX U.S.C 1681 section 602 A. States I have the right to privacy.
15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions Delete this account immediately, unless you want to be held {$1000.00} per violation I AM PREPARED FOR LITIGATION
|
| 03/05/2021 |
Yes |
- Debt collection
- Other debt
|
- Took or threatened to take negative or legal action
- Threatened to sue you for very old debt
|
|
Web |
|
|
On XX/XX/2021, I sent a certified letter requesting for Velocity Investments LLC to provide me with a certified copy of an original contract with my signature, specifically naming their company as an entity entitled to enforce a claim against me. The letter was a 30 day request. I asked for proof because I have never signed a contract with Velocity Investments LLC for them to file a suit with the XXXX County Magistrate Court against me.
A representative of Velocity Investments LLC accepted and signed for the letter that I sent on XX/XX/2021. Today makes 34 days and Velocity Investments LLC has failed to provide proof but the suit is still opened with the courts.
|
| 08/09/2021 |
Yes |
- Debt collection
- Credit card debt
|
- Attempts to collect debt not owed
- Debt was result of identity theft
|
|
Web |
|
|
No information given regarding account. Violates federal 15 USC 1692gf and 15 USC Section 1681 ( i ). The bureaus have it reporting different pricing and multiple inaccuracies. I never authorized or given permission for this to be reporting. its been 2 months and no information given. No medical release to collect on this debt either No information given regarding account. Violates federal 15 USC 1692gf and 15 USC Section 1681 ( i ). The bureaus have it reporting different pricing and multiple inaccuracies. I never authorized or given permission for this to be reporting. its been 2 months and no information given. No medical release to collect on this debt either
|
| 04/26/2023 |
Yes |
- Debt collection
- Other debt
|
- Communication tactics
- Used obscene, profane, or other abusive language
|
|
Web |
|
|
Received a harassing call from XXXX XXXX where the rep named XXXX placed his so called supervisor on the phone once I requested to negotiate payoff amount. They offered payment plans which I politely declined and offered my reasons and was willing to negotiate a payoff amount. XXXX named XXXX had such a disgusting attitude and began to try and belittle me about the debt, talking out the side of his neck, real unprofessional, very unpleasant. I remained calm and stood my ground, he then gave phone back to rep and I could hear XXXX talking in the background making harassing comments to others in the background. XXXX is a real XXXX of a person at XXXX XXXX!
|
| 05/21/2022 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Improper use of your report
- Reporting company used your report improperly
|
|
Web |
|
|
In accordance with the fair credit Reporting act XXXX Account : Account Name XXXX XXXX Account Number XXXX Account Name XXXX XXXX XXXX XXXX Account Number XXXX Account Name XXXX XXXX XXXX Account Number XXXX Account Name XXXXXXXX XXXX XXXXXXXX Account Number XXXX Account Name XXXX XXXX Account Number XXXX, has violated my rights.
15 USC 1681 Section 602 States I have the right to privacy.
15 USC 1681 Section 604 A Section 2 : it also states a consumer reporting agency can not furnish a count without my written instructions.
15 USC 1666B : A creditor may not treat a credit card account under an open-end consumer credit plan as late for any purpose.
|
| 06/27/2023 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Information belongs to someone else
|
|
Web |
|
|
Upon receiving my credit report I noticed some accounts that I didn't recognized and I made a police report and notified the companies. I asked via XXXX on several occasions requesting validation of the debt that shows that I am indeed the correct person that opened the accounts. I have not received anything that I've requested. I know my rights and this is a direct violation of the FDCPA Guidelines. I want the items validated or removed immediately as this is causing me distress and it is interfering with my life goals to obtain a home for my daughter and I.
Before contacting an attorney for legal advise I wanted to contact your agency for guidance.
|
| 05/02/2021 |
Yes |
- Debt collection
- I do not know
|
- Attempts to collect debt not owed
- Debt was result of identity theft
|
|
Web |
|
|
The original creditor XXXX XXXX XXXX has recognized this item as identify theft and no longer reports to the credit bureaus, or has been blocked from reporting by the credit bureaus. CKS Prime investments is a third party debt collect they sold the debt to before the investigation was complete. Because the original creditor recognizes this account for what it is, I request that the third party debt collector, CKS Prime investments do the same, and either voluntarily stop reporting, or the Credit bureaus should recognize this as party of the original debt that has been resolved and block CKS from further collection attempts including credit reporting.
|
| 10/15/2023 |
Yes |
- Debt collection
- Credit card debt
|
- Attempts to collect debt not owed
- Debt was result of identity theft
|
|
Web |
|
|
I'm not liable for the debt with XXXX XXXX XXXX I didn't enter any contract and I did not sign any paperwork with this company stating that I would pay them or owe them any money. Furthermore, this company has violated my consumer rights by not providing the requested original contract with my signature signed by me within in the time frame set by FCRA. I contacted the original company XX/XX/2023 and declared that this account stolenand reported unauthorized transactions had occurred with account. As a result, XXXX XXXX XXXX also violated my consumer rights by keeping the account open then knowingly sold verified identity theft debt to this company.
|
| 06/09/2017 |
No |
- Debt collection
- Credit card debt
|
- Took or threatened to take negative or legal action
- Sued you without properly notifying you of lawsuit
|
|
Web |
|
|
I found out today that my daughters bank account has a levy hold on it from Velocity collections according to them for a debt I owe ( my daughter is XXXX so I had to be on her account however it is all her paychecks and gift money from family ). According to them they have a court order for this however I was NEVER notified of any court case regarding this debt. The debt is also well ov er 4 year old which is past the statute of limitations in PA as far as I could see. They are trying to take my daughters hard earned money for a debt I do not believe they are legally able to collect in this way, or at all. I am. It sure what to do at this point.
|
| 10/01/2023 |
Yes |
- Debt collection
- I do not know
|
- Written notification about debt
- Didn't receive enough information to verify debt
|
|
Web |
|
|
On XX/XX/2023 I viewed my XXXX consumer report and found an account that was reporting and harming my creditworthiness as a consumer. On XX/XX/2023, I sent a notice of dispute to the alleged creditor pertaining to the information that was included in my consumer report. I used the address that was on my XXXX report and my certified letter was returned to me due to address not known. I am sending my notice of dispute here and have attached the letter that was sent. From CKS PRIME INVESTMENTS LLC, I am requesting any and all communication that was sent to be mailed to the correct address as provided in the attached correspondence to this complaint.
|
| 10/27/2020 |
Yes |
- Debt collection
- Payday loan debt
|
- Took or threatened to take negative or legal action
- Sued you without properly notifying you of lawsuit
|
|
Web |
|
|
I received a debt collection letter from XXXX XXXX XXXX on behalf of Velocity Investments in XXXX. In XXXX, I called XXXX XXXX XXXX to ask for validation of debt. They continued asking me if I was going to make a payment or setup a payment plan. I told them I have no money. The Rep told me they were going to relay this info to Velocity and when my situation improves, I can call to set up payments. In XXXX, I get served with papers saying XXXX XXXX XXXX / Velocity Investments is suing me for the debt that was discussed over the phone in XXXX. No other notice was sent to me about this debt and there were no indications that they were going to sue.
|
| 09/26/2023 |
Yes |
- Debt collection
- I do not know
|
- Took or threatened to take negative or legal action
- Sued you without properly notifying you of lawsuit
|
|
Web |
|
|
I received advertisement correspondence from local attorneys inquiring if I needed representation due to a recent lawsuit that was filed against me. This was the first of hearing of any lawsuit being filed. First of knowing about this company, Velocity Invesrments! I havent received any type of correspondence from this company, let alone a lawsuit complaint. Furthermore, I have no knowledge of this company, havent had any type of dealings or contracts, etc from this company! This is definitely underhanded and intentional to file a lawsuit against someone without proper notification. This most definitely violated my rights as a consumer!
|
| 04/05/2022 |
Yes |
- Debt collection
- I do not know
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
Older American, Servicemember |
|
I received a collection letter from XXXX XXXX XXXX stating a debt to Velocity Investments , LLC in the amount of {XXXX}, dated XX/XX/1996. My correspondence to them was, on a form that they provided, that I did not owe this debt and have no knowledge of this debt or Velocity Investments , LLC. XXXX insist that I provide them with Affidavits, Police reports that include my SSN, Drivers License DOB and Addresses. This debt appears to be 26 years old and uncollectible after 7 years from the date of the last payment. It was suggested to file a complaint with ( CFPB ) Consumer Financial Protection Bureau and Federal Trade Commission.
|
| 04/13/2023 |
Yes |
- Debt collection
- Other debt
|
- Took or threatened to take negative or legal action
- Sued you without properly notifying you of lawsuit
|
|
Web |
|
|
I had a credit line with Upgrade in XXXX, I started making payment and could not continue due to hardship. It seems line the debt was transferred to a third party. Last week I found a pile of paper taped up on my door without any envelope and with all my information exposed. The first stating that I have been sued by Velocity Investment LLC. I never signed any agreement with a third party. They came to my door and post personal information which was exposed to the public. They violated my rights. I was given a until the end of XXXX to respond. Any that you can do to help will be very appreciated. Please, advise.
Thank you
|
| 10/22/2020 |
Yes |
- Debt collection
- Credit card debt
|
- Attempts to collect debt not owed
- Debt was paid
|
|
Web |
|
|
I have been receiving calls regarding a {$530.00} debt with XXXX XXXX, the only debt I have ever had with XXXX XXXX was paid off long ago and the total amount does not match the previous debt. They gave me a time limited offer to allow me to satisfy said account for 35 % of that total. I called them today XX/XX/20 to see if they could verify the debt and would not do so without my original account number and social security number. This debt is not on my credit report and I do not and have not had a XXXX XXXX account in over 10 years. I did not give them any information as they were unable to verify the debt 's legitimacy.
|
| 02/22/2021 |
Yes |
- Debt collection
- Payday loan debt
|
- Took or threatened to take negative or legal action
- Sued you without properly notifying you of lawsuit
|
|
Web |
Servicemember |
|
On XX/XX/2021 I received a court summons stating Velocity Investments LLC was suing me for an unpaid loan. I have never heard of this company before and do not owe them or anyone any money for an unpaid loan. This company attached blank loan documents with the account number blacked out and no signature, but have stated I am responsible for this loan. There is no information about this unpaid loan and why I owe them $ XXXX. This is ridiculous that some random company can try to sue me without any evidence that I owe them anything. No one has ever contacted me about any unpaid loan, but now all of a sudden Im being sued.
|
| 10/21/2021 |
Yes |
- Debt collection
- Credit card debt
|
- Attempts to collect debt not owed
- Debt was result of identity theft
|
|
Web |
|
|
I am a victim of identity theft .This collection agency is not only reporting fraudulent account but also aware that is account is fraudulent in deed. I sent my police report and my FTC affidavit that i received from the Federal Trade Commission. They keep verifying this fraudulent account and are not reporting to my dispute. I have never had any goods or services with them or their affiliates they are knowingly and willingly reporting this fraud. They have caused me great damage and embarrassment also with emotional distress. They dont respond to my disputes and keep verifying this fraud to the credit bureaus.
|
| 08/17/2023 |
Yes |
- Debt collection
- I do not know
|
- Written notification about debt
- Didn't receive notice of right to dispute
|
|
Web |
|
|
I was served Civil Lawsuit paperwork from a lawyer representing Velocity Investments , LLC. The lawsuit is for a little over {$7000.00}. I've never heard from anyone at Velocity Investments prior to the lawsuit complaint.
After requesting the documentation regarding the account from the lawyer it appears to be a loan taken out and then later sold to Velocity Investments after default.
I was not aware this loan existed, and have yet to be contacted by Velocity Investments at all regarding this account. The only contact I have had was through the lawyer in the dorm of responses to court documentation requests.
|
| 06/14/2022 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Information belongs to someone else
|
|
Web |
|
|
On XX/XX/2022 collection agency ( CKS Prime INVESTMENTS ) add a derogatory mark on my credit report per experian. Upon, further research, this account was transferred/sold and i am no longer responsible for the account. Debtor 's creditor did not verify this collection. Also, there is No written communication, contract, or signature for this accused debt at all. A bill without a signature does not validate the debt and anybody can send a bill and say it mines. According to the FCRA. ( CKS Prime INVESTMENTS ) has violated my rights as a consumer and I'm requesting legal action to remove the account immediately.
|
| 12/19/2023 |
Yes |
- Debt collection
- Credit card debt
|
- Written notification about debt
- Didn't receive enough information to verify debt
|
|
Web |
|
|
Creditor supposedly owns debt in consumers name. Consumer debt Velocity Recoveries a debt Verification letter via USPS certified mail with return receipt which was received by velocity on XX/XX/XXXX at XXXX at address : XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX See attachment, company has not yet verified debt per FDCPA per consumer request.
Consumer received email from supposed representative of Velocity Recovery by the name of XXXX XXXX XXXX XXXX on XX/XX/XXXX also see attached email.
Velocity Recovery is in violation of FDCPA by still attempting to collect on a dispute debt that has yet to be validated.
|
| 11/21/2022 |
Yes |
- Debt collection
- Credit card debt
|
- Took or threatened to take negative or legal action
- Threatened or suggested your credit would be damaged
|
|
Web |
Servicemember |
|
CKS PRIME INVESTMENTS PURCHASED ACCOUNT : from Iriginal Creditor AMOUNT : {$1000.00} DISPUTED SEVERAL TIMES in recent months using reputable credit repair method, and online major credit company platforms, and in rotation to date for repeat dispute which no verification or validation of method. Company instead sends debt validation method with requests of me sending validation criteria.
Also reports false information, multiple Non Compliant discrepancies including above mentioned balance. To imply {$1000.00} would mean secured past {$1000.00} credit lines or amount is reporting in excess of true details.
|
| 12/18/2017 |
No |
- Debt collection
- I do not know
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
FCRA states information reporting has to be 100 % verifiable and 100 % accurate otherwise the information must be removed under federal law. XXXX has been reporting unverifiable and inaccurate information on my credit which has damaged my credit. I intend to litigate if they do no remove this file from my credit report. I request for them to provide the written contract and physical documentation to support the information they are reporting on my credit report via the CFPB portal. Do not send screenshots. Do not send medical statements. Send my actual signature on a contract. As this debt is Not mine.
|
| 05/24/2021 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Information belongs to someone else
|
|
Web |
|
|
This account is involved in litigation for fraudulent practices according to my FCRA rights. I have not supplied proof under the doctrine of estoppel by silence, Engelhardt v. Gravens ( Mo ) 281 SW 715, 719, I may presume that no proof of the alleged debt, nor therefore any such debt, in fact exists. Note that the collector has to stop all collection activities until it can provide all the evidence. Under the FDCPA Section 809, Validation of debts [ 15 USC 1692g ] I have the right to verify any alleged debt on my credit report and if the alleged debt is being disputed, the debt collector shall cease.
|
| 03/03/2022 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Problem with a credit reporting company's investigation into an existing problem
- Difficulty submitting a dispute or getting information about a dispute over the phone
|
|
Web |
|
|
The date of the fraud on my Social Security number was XX/XX/2020. The amount of the fraud is {$6100.00}. The company 's name is CKS Prime Investment, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX The account number is XXXX XXXX.
I have tried severally over the years to talk with the company that this was a fraud in my name, but they insisted I have to pay ( what I did not owe ).
I never had a credit card in that name and the address used on the fraud is totally different from my address I have been living for 16 years!
The company has consequently refused to remove it from my credit report.
|
| 10/23/2023 |
Yes |
- Debt collection
- I do not know
|
- Written notification about debt
- Didn't receive enough information to verify debt
|
|
Web |
|
|
Velocity Investments , LLC & XXXX, XXXX & XXXX is attempting to collect/sue for a debt that they have yet to validate or send any type of correspondence. They have yet to respond to ANY request of for validation. Two letters were sent to Velocity via USPS priority XX/XX/XXXX and XX/XX/XXXX. VelocityXXXX, XXXX & XXXX has sent a letter threatening to garnish wages on a debt again they have not validated or sent any kind of documentation about. They have been trying to sue since 2020 and in that time still have not validated the debt. Nothing regarding this debt was received before that time.
|
| 08/29/2019 |
Yes |
- Debt collection
- Credit card debt
|
- Attempts to collect debt not owed
- Debt was already discharged in bankruptcy and is no longer owed
|
|
Web |
|
|
I knew nothing until I received a summons, suing me and my supposed spouse, " XXXX XXXX '' ( I am not married ) for " breach of contract '' in the amount of {$10000.00} by an attorney, XXXX XXXX XXXX of XXXX XXXX XXXX XXXX XXXX XXXX. XXXX XXXX XXXX, il. XXXX on behalf of plaintiff, Velocity Investments , LLC XXXX I have never heard of any of these people. The only time I owed that much to a credit card was when I was first terminated from my job for being XXXX which was 2005. Those debts were long written off of my credit report.
Can anybody Sue me for any length of time??
Thank you
|
| 05/23/2022 |
Yes |
- Debt collection
- I do not know
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
On XX/XX/2022 I began receiving advertisements in the mail for debt resolution. In one of these advertisements, I learned that I was being sued by Velocity InvestmentsXXXX for an unspecified debt. I looked up the case number provided and learned that this suit was filed on XX/XX/2022. I have never received any documentation from Velocity InvestmentsXXXX regarding any debt. I was never served any documents regarding this suit. I have reviewed my credit report and have no collection from Velocity InvestmentsXXXX XXXX I have attempted to recieve more information with help from my lawyer.
|
| 10/04/2023 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
PLEASE SEE ATTACHMENTS FOR FURTHER DETAILS OF COMPLAINT CKS PRIME INVESTMENTS LLC filed a meritless lawsuit against me without providing any valid proof of a claim or a binding contract with my signature. I have no connection to the alleged debt they sought to collect, and their failure to participate in arbitration led to the court 's dismissal of their lawsuit, the courts also denied their motion for default judgment. Moreover, they damaged my creditworthiness by accessing my consumer credit report for debt collection purposes and damaging my character and reputation as a consumer.
|
| 06/21/2022 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt was result of identity theft
|
|
Web |
|
|
I did a Credit Sale with XXXX roughly around XXXX, recently I was notified by an unauthorized company that they had been granted a summary judgement. I was not aware that my account had either been sold or assigned unlawful. The original creditor is in violation of the Truth In Lending Act pursuant to 15 USC 1601 and they both are in violation of 18 USC 1028A Aggravated Identity theft.
I am demanding all parties to Cease and Desist all unlawful activity. In addition, I am requesting pursuant to 12 USC 5561 ( 4 ) Documentary Material of the alleged obligation.
Sincerely XXXX XXXX
|
| 10/11/2023 |
Yes |
- Debt collection
- Credit card debt
|
- Written notification about debt
- Didn't receive notice of right to dispute
|
|
Web |
|
|
Checking my credit report bc I have been working on repairing my credit I noticed that the same accounts that I turned into XXXX XXXX XXXX XXXX to be paid is still on my report as collections. I have alerted the XXXX different companies several times that XXXX XXXX has the accounts and that they should contact them for payment. I pay XXXX XXXX every XXXX weeks for these accounts and I feel like if I am attending to the accounts why are they showing up as collections. I will not be paying XXXX XXXX and then paying the collections companies too and they clearly have these accounts.
|
| 06/29/2023 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Improper use of your report
- Credit inquiries on your report that you don't recognize
|
|
Web |
|
|
In accordance with the fair credit Reporting act CKS Prime Investments {$840.00}, XXXX XXXX XXXX {$700.00}, XXXX XXXX XXXX, {$360.00} XXXX XXXX XXXX {$250.00}, XXXX XXXX XXXX {$230.00}, and XXXX XXXX XXXX {$230.00} has violated my rights.
15 USC 1681 Section 602 States I have the right to privacy.
15 USC 1681 Section 604 A Section 2 : it also states a consumer reporting agency can not furnish an account without my written instructions.
15 USC 1666B : A creditor may not treat a payment on a credit card account under an open-end consumer credit plan as late for any purpose.
|
| 10/05/2022 |
Yes |
- Debt collection
- Credit card debt
|
- Took or threatened to take negative or legal action
- Sued you without properly notifying you of lawsuit
|
|
Web |
|
|
On XX/XX/2022, I fell on some ice and XXXX XXXX XXXX. In XX/XX/2022, I got XXXX XXXX XXXX XXXX. I have been in a XXXXXXXX XXXX for XXXX since then. Then I fell at the XXXX XXXX and XXXX XXXX XXXX. it seems there was a hearing about my credit card debt that had passed the statute of limitations of 6 years. At the hearing that I never got notice for The debt was restarted and the owners of the debt got a judgement against me and garnished {$3000.00} from my account. I have no income and I don't know when I can get back to work. I can't take it any longer. I'll XXXX soon.
|
| 08/17/2023 |
Yes |
- Debt collection
- I do not know
|
- Written notification about debt
- Didn't receive notice of right to dispute
|
|
Web |
|
|
I was served Civil Lawsuit paperwork from a lawyer representing XXXX XXXX, XXXX. The lawsuit is for a little over {$7000.00}. I've never heard from anyone at XXXX XXXX prior to the lawsuit complaint.
After requesting the documentation regarding the account from the lawyer it appears to be a loan taken out and then later sold to XXXX XXXX after default.
I was not aware this loan existed, and have yet to be contacted by XXXX XXXX at all regarding this account. The only contact I have had was through the lawyer in the dorm of responses to court documentation requests.
|
| 11/05/2021 |
Yes |
- Debt collection
- I do not know
|
- False statements or representation
- Attempted to collect wrong amount
|
|
Web |
|
|
Velocity Investment is try misrepresent themselves has as XXXX XXXX in a law suit against me. I have found that the are not associated with XXXX XXXX. The are saying I owe {$20000.00} dollars from a depth they purchased. I never owed them XXXX XXXX {$20000.00} either, due me surrendering the car 6 years ago. Velocity couldnt even provide information on what this debt was for except it was from 2015. The statue of limitations in Texas is 4 years, the claims are over that. The have never velocity investments has never communicated with until send a notice for a law suit.
|
| 09/26/2022 |
Yes |
- Debt collection
- Credit card debt
|
- Attempts to collect debt not owed
- Debt was result of identity theft
|
|
Web |
|
|
Goodevening! I'm following the instructions provided on how to go about someone using my information for their own benefit without my approval. There is an account by the name of " CKS Prime Investments '' on my credit report is not me. The overdue amout owed is {$1100.00}. Once I noticed it was on my report I immediately contacted the creditors bureau for more information on how to get this off of my report. They also have an address linked to the account which shows up as XXXX XXXX XXXX XXXX, GA XXXX. If you need anymore information from me please contact me.
XXXX
|
| 03/09/2019 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt was result of identity theft
|
|
Web |
|
|
I am an identity theft victim. My computer was hacked in XX/XX/2018 while attempting to get customer service over the phone from XXXX for a printer installation. XXXX XXXX confirmed that all my information had be compromised. My email was compromised by receiving fraud emails from XXXX XXXX. I have been a victim of theft of my bank and credit accounts. XXXX is one account that has been established during this theft. I have submitted identity fraud reports and police reports to all credit bureaus as well as this company. They continue to harass me as I am a victim.
|
| 03/31/2019 |
Yes |
- Debt collection
- Auto debt
|
- Took or threatened to take negative or legal action
- Threatened to sue you for very old debt
|
|
Web |
|
|
I have a letter with a statement claiming that I owe Velocity Investments , LLC {$6600.00}. Under my full credit report that account was closed off and written-off since XX/XX/XXXX. They also claim that I executed and delivered a contact to XXXX. XXXX XXXX. Which is a clearly false allegation. Since I was the one purchasing a vehicle from them in XXXX. Velocity Investments , LLC havent once sent me a letter or any documents that have proof that they are clearly the owner to the herein. They also claim I had more than one account with XXXX XXXX XXXX XXXX XXXX XXXX
|
| 11/04/2023 |
Yes |
- Credit reporting or other personal consumer reports
- Credit reporting
|
- Problem with a company's investigation into an existing problem
- Investigation took more than 30 days
|
|
Web |
|
|
This company 's consistent violations of my consumer rights under the Fair Debt Collection Practices Act have caused significant financial and emotional distress They continue to report an erroneous and unverifiable account on my credit report, despite my repeated requests for proof of claim as required by the FDCPA My efforts to rectify this situation have fallen on deaf ears. Despite the existence of multiple complaints against them for Illegal and unethical practices, they continue to operates implore you to intervene and put an end to thee unethical behavior
|
| 12/23/2023 |
Yes |
- Credit reporting or other personal consumer reports
- Credit reporting
|
- Improper use of your report
- Reporting company used your report improperly
|
|
Web |
|
|
Per the ( Privacy Act of 1974 ) need this account to be deleted immediately from all 3 credit bureaus ( XXXX, XXXX, XXXX ) that are reporting this to my credit! I have never given any written or any other consent for this company to report anything to my credit or for my information to be sold. ( 15 USC 1681B ) According to Fair Credit Reporting Act 15 USC 1681 section 602 a states " There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy. ''
|
| 10/07/2023 |
Yes |
- Credit reporting or other personal consumer reports
- Credit reporting
|
- Improper use of your report
- Reporting company used your report improperly
|
|
Web |
|
|
reportting account that are not my accoutns, reporting Inquries that are not my inquried and alod report latepayments on my crefit report causing my credit to refect a negative report, it also has cause hardship i am unble to use my credit due to Identity theif i can not get approve to get a home its reflecting negative where i am unable to get employment i contacted each account that i disputed and after the credit bruals do they investagation they senda letter stated all accounts are verified which is inccorect i'm demanding that account listed be removed.
|
| 08/04/2023 |
Yes |
- Debt collection
- I do not know
|
- Took or threatened to take negative or legal action
- Sued you without properly notifying you of lawsuit
|
|
Web |
|
|
I recently received a notice that I'm being sued by Velocity Investments over a debt for over {$11000.00}.
I've never heard of Velocity, nor am I aware of such a large debt as most of my debts were settled in a previous debt consolidation.
The only debts I have in my records now are a recurring credit card payment and medical bills that don't add up to anywhere near that amount. Nothing else shows in credit reports, or I'd be able to see information on it or possibly dispute it. I'm neither aware of where this supposed debt came from or who Velocity is.
|
| 05/22/2023 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Account status incorrect
|
|
Web |
|
|
My credit XXXX XXXX XXXX was sold to a credit collection agency over a year ago. XXXX is still reporting my account with a past due balance and late. A payment agreement was reached with the collection agency and settled on XX/XX/2023 and paid in full.
This account was sold to a collection agency, XXXX XXXX XXXX XXXX, and a payment agreement reached and settled on XX/XX/2023. I reached out to XXXX and was informed that the collection agency is in fact Velocity LLC.
As of todayXX/XX/2023XXXX they are reporting incorrect information on my credit report.
|
| 01/04/2022 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Problem with a credit reporting company's investigation into an existing problem
- Their investigation did not fix an error on your report
|
|
Web |
|
|
On XX/XX/2021, at XXXX a.m., my representation contacted CKS Financial via Velocity InvestmenXXXX ( the new company that held my debt collection account ). My representation negotiated a settlement for a pay for delete. Velocity Investment told my representation that it will take approximately 60 days for this to update on my credit report. This account is still on there. 60 days was on XX/XX/XXXX. On XX/XX/XXXX, my representation contacteXXXX Velocity Investments and they told my attorneys they its still processing. Can you please help with this matter.
|
| 07/06/2022 |
Yes |
- Debt collection
- I do not know
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
I began questioning this organization in XXXX of XXXX into XXXX and this supposed obligation has been influencing my credit. The obligation authority hasn't given verification that the supposed obligation has a place with me. This is the fourth time this obligation was sold in the wake of demonstrating that this supposed obligation isn't mine because of the organization 's deficient evidence and a duplicate of a printout bill isn't verification this is influencing my capacity to get another home. I don't have any idea why I'm being dealt with this way.
|
| 10/19/2023 |
Yes |
- Credit card
- General-purpose credit card or charge card
|
- Other features, terms, or problems
- Other problem
|
|
Web |
|
|
Well upon discovering this entity saying I owe this and that I have asked numerous times for the original certification of indebtedness and they ignore my request to make me believe that this is not my debt anyways Im going to cite this one more time if it is associated with my social its already paid 12 cfr 192 are you ignoring the house joint resolution wow thats a heavy thing and or 2are you selling the securities with the cert of indebtedness either way this smells bad my social is XXXX I dont have the card number cuz I never had knowledge of this
|
| 12/20/2020 |
Yes |
- Debt collection
- I do not know
|
- Took or threatened to take negative or legal action
- Threatened or suggested your credit would be damaged
|
|
Web |
|
|
I received a letter about a debt that isn't mine from a company named XXXX.
XXXX XXXX XXXX XXXX XXXX
XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX, WA XXXX XXXX The letter stated I owe XXXX {$870.00}. This is not my name. The letter had my address but not my correct name.
The date of the letter : XX/XX/202 Creditor : Velocity Investments Original Account : # XXXX XX/XX/XXXXAccount : # XXXX Original Creditor : XXXX XXXX South Dakota XXXX, XXXX.
Reduced Balance Amount : {$300.00} I do not have any outstanding unpaid debt with this company.
|
| 07/09/2023 |
Yes |
- Debt collection
- I do not know
|
- Communication tactics
- You told them to stop contacting you, but they keep trying
|
|
Web |
|
|
On XX/XX/2023 I received a letter in the mail stating I owe a debt from Law offices Of XXXX XXXX stating they are a debt collector the debt is XXXX. In which I have never gave consent to authorize to have my personal information according to the GRAMM-LEACH-BILEY ACT 15 USC 6801 i have protection of non public personal information. According to this law this company is in violation of my consumer rights I am asking this debt be deleted and a cease and desist.
I am asking this company get correspondence from credit bureaus to get this matter handled
|
| 03/31/2023 |
Yes |
- Debt collection
- I do not know
|
- Written notification about debt
- Didn't receive enough information to verify debt
|
|
Web |
|
|
Velocity Investments LLC contacting me about owing a debt to XXXX and I requested a debt validation letter via the mail on XX/XX/2021. I did not receive it and have been receiving calls about it instead. I have the Certified Mail Receipt verifying that I sent it to Velocity Investments.
They sold it off to XXXX, XXXX XXXX XXXX, XXXX so they could get around this. I requested another debt validation letter but I feel I am entitled to be responded to in a timely matter, so I could make arrangements for payment if I received the letter of validation.
|
| 11/30/2021 |
Yes |
- Debt collection
- Other debt
|
- Written notification about debt
- Didn't receive enough information to verify debt
|
|
Web |
Servicemember |
|
I had asked for the CFPB help me in gathering supporting documents from CKS PRIME INVESTMENTS of this alleged debt. I haven't received any documents from this company only letters from the XXXX credit bureaus ( XXXX, XXXX and XXXX ) stating that this account was verified. How can CKS PRIME INVESTMENTS and the credit bureaus verify not validate this alleged debt when. This company ( CKS PRIME INVESTMENTS ) has another company ( XXXX ) attempting to collect this alleged debt on their behalf. I received a letter by mail state such action on XX/XX/2021.
|
| 09/26/2017 |
Yes |
- Debt collection
- Credit card debt
|
- Written notification about debt
- Didn't receive enough information to verify debt
|
|
Web |
|
|
I was no properly served with a summons, velocity investment & XXXX XXXX XXXX enter a affidavit for garnishment on XX/XX/XXXX WITHOUT ALLOWING ME TO DISPUTE THE DEBT OR VERICATION, THE WAY I FOUND OUT THERE WAS A PROBLEM XXXX THE PRIMARY ACCOUNT OWNER WENT TO XXXX XXXX THAT WAS WHEN THEY TOLD HER ACCOUNT WAS FROZEN ON XX/XX/XXXX.THEY ARE BREAKING THE LAW IN MANY WAYS GOING AROUND OUR BACK TO COLLECT ON A DEBT THAT I REQUEST FOR VERIFICATION, ATTACHED IS WHAT XXXX XXXX SEND TO ME ITS A TRIAL CALL ORDER ENTER FROM DIFFERENT LAWYER ON XX/XX/XXXX
|
| 04/13/2022 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Information belongs to someone else
|
|
Web |
|
|
CKS PrimeXXXX XXXX XXXX XXXX continues to list the following account as a " XXXX '' on my credit reporting causing continuous injury.
This account was opened fraudulently, and the original creditor, XXXX has accepted this identity theft claim and are requesting that the credit bureaus remove this account. See attached letter from the original creditor.
The " XXXX '' is trying to collect on a debt that the original creditor has deemed as opened fraudulently. Wouldn't the original creditor have the best information?
This is not legal!
|
| 09/06/2023 |
Yes |
- Debt collection
- Other debt
|
- Threatened to contact someone or share information improperly
- Contacted you after you asked them to stop
|
|
Web |
|
|
On XX/XX/2023 I asked Velocity Investments LLC to please provide me with validation notice with all original documents with my Wet signature which to date I never recieved.
On XX/XX/2023 I asked Velocity Investments LLC to please cease and desist all calls and contact with me XXXX XXXX for I don't confirm or acknowledge this debt for which to date they continue to call, text and email my self and family members using treating language.
Also on XX/XX/2023 the balance owed showed {$3200.00} and on XX/XX/2023 the balance showes {$4500.00}.
|
| 08/09/2023 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Information belongs to someone else
|
|
Web |
Servicemember |
|
XXXX XXXX- FOR XXXX XXXX {$2200.00} Opened XXXX, FRAUD, MULTIPLE DATES DISPUTED, AND MULTIPLE CALLS TO BOTH COMPANIES XXXX XXXX-FOR XXXX XXXX OPENED XXXX {$1100.00} FRAUD DISPUTED MULTIPLE TIMES, CALLED MULTIPLE TIMES XXXX XXXX XXXX FOR XXXX - {$1100.00} XXXX XX/XX/XXXX FRAUD MULTIPLE DATES DISPUTED, MULTIPLE CALLS XXXX XXXX FRAUD ACCOUNT # XXXX XXXX XXXX FRAUD ACCOUNT # 2 XXXX XXXX FOR XXXX XXXX, MULTIPLE ACCOUNTS ( 6 ) Fraud DISPUTED MULTIPLE TIMES, MULTIPLE CALLS XXXX XXXX OPENED XX/XX/XXXX, FRAUD, MULTIPLE DISPUTES, MULTIPLE CALLS
|
| 12/17/2015 |
No |
- Debt collection
- Payday loan
|
- Disclosure verification of debt
- Right to dispute notice not received
|
|
Web |
|
|
Velocity investment located in NJ, has been collecting on XXXX prior debts, XXXX of them has been paid in full, the second is in monthly payments. No letters or communications have been sent to me to remove the first account from my credit report, I was promised emails to confirm the payoff, nothing was received. Now I have other so called debt collectors contacting me about some obscure debts. I do not know if Velocity has shared my information, or what has happened. I am considering asking my bank to recuperate the funds I have paid.
|
| 04/08/2023 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Problem with a credit reporting company's investigation into an existing problem
- Their investigation did not fix an error on your report
|
|
Web |
|
|
I have sent XXXX multiple requests asking what method was used to validate the debt. I have submitted documentation from the Bankruptcy court advising that they do not report bankruptcies, I have contacted pacer and they have also confirmed that they do not report. I have also contacted XXXX XXXX and have also confirmed that my report is current locked and no information has been provided. I have submitted all the documents of proof and I just received that the account has been verified. I am requesting who, and what method was used.
|
| 04/12/2018 |
No |
- Debt collection
- Credit card debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
In addition to complaint # XXXX and XXXX regarding Velocity Investments LLC I recently received yet another letter requesting payment on a debit I never had and it's the same one Velocity illegal put a lien on my home for. I know Velocity are ignoring your requests, but knowing they are continually harassing me for the same alleged debt even though they have a lien on my home, I need help this situation has prevented my for refinancing my home for the past several years and I feel it's time Velocity be stopped from harassing people.
|
| 02/02/2023 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt was result of identity theft
|
|
Web |
|
|
XXXX XXXX allowed an account to be opened in my name. They were previously provided with all of the information regarding identity theft and asked to cooperate with my identity theft insurer ( providing documentation etc ) they stonewalled then switched over to claiming that they had sold the debt to Velocity and were unable to provide the information. They and Velocity have subsequently ignored requests from my attorney and continued attempts to collect and threaten me with lawsuits ( all the while not responding to my attorney ).
|
| 11/29/2023 |
Yes |
- Debt collection
- Payday loan debt
|
- Took or threatened to take negative or legal action
- Sued you without properly notifying you of lawsuit
|
|
Web |
|
|
I did not receive a single notice about a debt that is attempted to be collected, was served legal papers suing me without notice, and is charging me more than what I owe and tacking on legal fees. Yes I messed up and take full responsibility for my failure. Now I get a court summons and have to figure this out as I go. Also I just learned they can not contact you at work and they called my work phone and harassed me at my job demanding I speak with them about my debt even though I stated this is my work number and I was at work.
|
| 09/03/2021 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Problem with a credit reporting company's investigation into an existing problem
- Their investigation did not fix an error on your report
|
|
Web |
|
|
I was recently informed that I was victim of XXXX data breach being a former customer I did not open this account and need it removed from my credit file ASAP. I do not own this account nor did I ever open it or had any idea it existed on my file until I checked it recently and being a victim of XXXX data breach I can deduce someone was able to use my information to open this account and thus I need it removed from credit file, as it is affecting the growth of my credit and I should not be responsible for someone else 's account.
|
| 10/28/2023 |
Yes |
- Debt collection
- Credit card debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
I sent the company a certified letter requesting them to validate the debt they are reporting to the credit agencies. I asked them to respond within 30 days and they did not respond. After the 30 days, I sent another letter via certified mail asking for the company to delete all references to the account from my profile within 15 days. Both letters were delivered to the company, and I have a copy of the return receipt and tracking numbers.
Tracking number for 1st letter : USPS XXXX Tracking number for 2nd letter : USPS XXXX
|
| 11/02/2017 |
No |
- Debt collection
- I do not know
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
I was contacted about this debt back around XXXX. I stated then that I was n't aware of this debt and requested information that was never received. It is now 7 to 9 years later ( beyond collections statues ) and I 'm being harassed again via phone calls and mailed letters for money in the amount of {$12000.00} for a debt with XXXX XXXX XXXX and Velocity Investments , LLC. The letter states the principle balance is {$7200.00} and Interest Balance of {$5200.00}.
Please provide documentation as well as check the FDC status.
|
| 12/15/2022 |
Yes |
- Debt collection
- I do not know
|
- Took or threatened to take negative or legal action
- Threatened or suggested your credit would be damaged
|
|
Web |
|
|
Per the Florida Statue 559.553, debt collectors are to register with the Florida XXXX XXXX XXXX XXXX as a Consumer Collection Agency before engaging in collection activity. The company CKS Prime Investments , LLC has not registered in the state of Florida and has been putting negative markings on my credit since XX/XX/2022. They have that listed as the open date, when there has never been a contract signed with this company. The attempt to rectify this wrong has gone unresolved, resulting in the plummet of my credit score.
|
| 09/10/2021 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Information belongs to someone else
|
|
Web |
|
|
XXXX and XXXX is reporting fraudulent information. I provided an ftc report listing these fraudulent items. They removed it once and then placed it back on my report. When I asked why they couldn't give me any reasoning.
This item was removed from the other bureaus, was not placed back on my report.
My information was found on the dark web, XXXX data breach a lot of fraudulent items and inquires were found. This is affecting me from purchasing a home for my children.
The law prohibits false information to be reported.
|
| 09/23/2021 |
Yes |
- Debt collection
- I do not know
|
- Attempts to collect debt not owed
- Debt was result of identity theft
|
|
Web |
|
|
After review my credit report I found a collections on my reports from CKS Prime Investments stating that the original debt was from XXXX XXXX Card. I have never had this kind of card. My mail box was broken into several times over the last five years and this collections is fraudulent. I have reached out several times to this collections agency to have them delete this from my account and they have yet to do so. This is not my debt and is identity fraud and I want this collections deleted from my credit reports ASAP.
|
| 07/22/2021 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt was paid
|
|
Web |
Servicemember |
|
I was denied a federal loan because a collection agency, CKS prime investments, reported two accounts to the credit bureaus, with different account numbers on the credit report I pulled and the credit report the loan company pulled. However, the actual account number from cks financial is a completely different number. I have contacted the company several times trying to obtain a letter stating the account is settled and that the credit reports have errors on them, however, I have not received any communication back.
|
| 05/31/2023 |
Yes |
- Payday loan, title loan, or personal loan
- Personal line of credit
|
- Charged fees or interest you didn't expect
|
|
Web |
|
|
I received a knock on my door on XX/XX/XXXX. With a person handing me a subpoena to go to court from velocity investments, previously owned by prosper marketplace. I have never done any business or had any dealings with this company. They claim that I owe them money from a loan that incurred on my name dating back from XXXX or XXXX of XXXX. This was a person using my information to commit a fraud. Other than a student loan that I am currently paying, I did not open any other personal loans from that date or present.
|
| 10/13/2023 |
Yes |
- Debt collection
- I do not know
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
XXXX of the XXXX : Please provide detailed documentation that substantiates the validity of this debt. This documentation should include the original creditor 's name, the date of the last account activity, and a copy of any written agreement or contract that binds me to this debt.
Proof of Authorization : If this charge is related to a contract or agreement, I request proof that I authorized this charge or agreed to the terms and conditions. Please provide any documents that demonstrate my consent or agreement.
|
| 03/10/2023 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
|
- Problem with a credit reporting company's investigation into an existing problem
- Their investigation did not fix an error on your report
|
|
Web |
|
|
CKS PRIME INVESTMENTS has placed a derogatory account on my credit report. I sent for the debt to be verified as I have never done business with this company before. After I disputed the information it came back as validated but I was not provided an explanation of how the debt was validated. The company is also showing that the account is open and active and that is incorrect as well. I have never opened an account with them and it is inaccurately reporting on my credit report resulting in a lower credit profile.
|
| 03/08/2022 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Problem with a credit reporting company's investigation into an existing problem
- Difficulty submitting a dispute or getting information about a dispute over the phone
|
|
Web |
|
|
It was reported to the bureaus after coming to an settlement agreement that I was delinquent in payments although the payments were made. The account was paid in its entirety with second payment. Companies involved both claim no responsibility with reporting to credit bureaus. Account still remains as a delinquent collection after payment was received. It also shows it was settled and the account was paid in full not settled. The amount owing was {$560.00} and the full amount was paid, not a settlement.
|
| 10/06/2022 |
Yes |
- Debt collection
- I do not know
|
- Attempts to collect debt not owed
- Debt was result of identity theft
|
|
Web |
|
|
XXXX XXXX and XXXX XXXX allowed someone to apply for a loan while my credit was frozen at the credit bureaus due to existing fraudulent transactions. Velocity Investments purchased this loan and notified me via phone and through the mail months after the debt was sold. XXXX won't take the fraudulent loan back and Velocity Investments wants me to pay the loan back stating that I have no rights for arbitration, disputes, and I am unable to seek punitive damages based upon an agreement I never signed.
|
| 06/24/2023 |
Yes |
- Debt collection
- I do not know
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
Velocity Investments has been coming after me for years about a debt for XXXX XXXX XXXX, I do not know who this person is and have told this company multiple times that this debt is not mine. Velocity has not helped me in any way to resolve this issue nor have they furninshed any type of paperwork that shows I am responsible for this debt. My name is XXXX XXXX XXXX, velocity amends their paperwork to show this debt under my legal name instead of seeking out the XXXX XXXX XXXX that owes this debt.
|
| 02/20/2023 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Public record information inaccurate
|
|
Web |
|
|
This is for the following debt collection companies. XXXX XXXX XXXX XXXX LOANS XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I want to see a copy of the original purchase agreement that show that you legally own this debt by this original creditor. I am also requesting copies of all statements from open to close this account. I want to see proof that you are legal debt collector in my sate. I want see a copy of your bond that shows your legally registered in my state.
|
| 11/03/2023 |
Yes |
- Debt collection
- Credit card debt
|
- Took or threatened to take negative or legal action
- Seized or attempted to seize your property
|
|
Web |
|
|
On or about XX/XX/ my joint checking account was garnished by Velocity Investments LLC for {$8400.00}. Even though, I had repeatedly requested information on this debt over a period of 3 years, I never received any documentation.
Furthermore, the account is a joint account that I own with a sibling and received no notice of garnishment.
Additionally, proof that XXXX was allowed to send the money to Velocity since it was a joint account and why was I not notified nor the other account owner.
|
| 07/06/2022 |
Yes |
- Debt collection
- Credit card debt
|
- Written notification about debt
- Didn't receive enough information to verify debt
|
|
Web |
|
|
I contacted CKS Prime Investments/ Velocity investments to validate this this alleged debt and they sent a letter stating that there was a judgement against me with No details and copies of some statements. I Never did any business with CKS or gave them permission or agreement to address me with any matter. I sent the first validation letter on XX/XX/22 a response from CKS/ Velocity on XX/XX/22 a second proof of validation on XX/XX/22 and no response. XXXX XXXX XXXXXXXX certified information
|
| 02/24/2022 |
Yes |
- Debt collection
- I do not know
|
- Attempts to collect debt not owed
- Debt was result of identity theft
|
|
Web |
Servicemember |
|
CKS Prime Investments has been advised that I am a victim of Identity Theft and continues to report an account to my credit reports for XXXX, XXXX, and XXXX although advised as such and requested removal and cease and desist. I am a victim of identity theft and I have removed fraud listings from credit reporting as it prevents me from accessing my own credit file. I have had my information compromised as a result of being involved in multiple data breaches including but not limited to XXXX.
|
| 04/21/2016 |
No |
|
- Taking/threatening an illegal action
- Threatened to sue on too old debt
|
|
Web |
|
|
I received a " packet '' delivered to my door by a gentleman. I asked him if I was being served and he said that the only information he had was that it was from Velocity Investments. The papers resembled a court summons complete with trial number and everything. I immediately went onto my metro court website and I could not find any complaints filed against me and when searching the case number I had no results. The debt they are collecting on is past the four year statute of limitations.
|
| 11/02/2022 |
Yes |
- Debt collection
- I do not know
|
- Took or threatened to take negative or legal action
- Threatened or suggested your credit would be damaged
|
|
Web |
|
|
i received a debt collecting letter from XXXX XXXX XXXX XXXX for the amount XXXX based upon the letter that i received ( attached ) it looks as though XXXX XXXX XXXX XXXX who is a debt collector is collecting on behalf of another debt collector velocity investments llc. upon further research i learned that both companies XXXX XXXX XXXX XXXX and velocity investments llc are not licensed to collect in my state of florida, with that i am certain that these companies have broken several laws.
|
| 05/18/2022 |
Yes |
- Debt collection
- Credit card debt
|
- Written notification about debt
- Didn't receive notice of right to dispute
|
|
Web |
|
|
CKS Prime Investments did not contact me about the alleged debt collection they placed on my credit report with the 3 credit bureaus ( XXXX, XXXX, and XXXX ). I did not receive any notice from them that would allow me to dispute the debt in question and though I have tried to contact them I've noticed recently, after reviewing my credit reports from XXXX, XXXX, and XXXX, that the address on file with each reporting agency is different. This is a clear violation of my rights as a consumer.
|
| 10/07/2023 |
Yes |
- Debt collection
- Credit card debt
|
- Written notification about debt
- Didn't receive enough information to verify debt
|
|
Web |
|
|
Disputed through all three credit bureaus several times with no response from CKS Prime.
CKSPRIMEIN Collection with account # XXXX opened on XX/XX/2021 and a balance of {$610.00}.
I dont agree with the negative payment status and history listed on this account. Please provide all statements showing the exact past due amount of any missed payments and the exact date that this account became negative.
Under 15 US Code 1681s-2 ( f ) ( II ) Reporting information during Covid 19 pandemic
|
| 03/02/2023 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
|
- Getting a credit card
- Sent card you never applied for
|
|
Web |
|
|
A family friend opened a Credit Card account without my permission. And I didn't know of the account until I received a letter in the Mail stating that I owe {$970.00}. I don't even have a Job so why would I apply for a Credit Card when I know I wouldn't be able to pay it back. The account was opened without my knowledge of it and I tried to explain that to the company but they rejected my dispute and still trying to collect money that I don't owe them cause I didn't create the account.
|
| 01/15/2023 |
Yes |
- Debt collection
- Other debt
|
- False statements or representation
- Attempted to collect wrong amount
|
|
Web |
|
|
Acquired unsecured loan from lending tree in 2019. Requested {$15000.00}. Received {$14000.00}.
{$900.00} loan origination fee never disclosed.
Made payments on loan amount received for over a year. Lock down due to covid 19 caused loan to fall into default. Now loan is in collections.
Collection company states I owe {$15000.00} plus court costs. Default judgment awarded to collections even though I disputed collection amount.
How can I owe more than the original loan amount?
|
| 09/14/2022 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit repair services
|
- Confusing or missing disclosures
|
|
Web |
|
|
Do to being on SS XXXX I was unable to pay my credit card. I was contacted by a company offing me to settle for a smaller amount to get it out of collections. So I borrowed it from my daughter to help my credit. It is still on my credit on two of my credit reports. Ive talked to them and the credit report and they said they say {$0.00} but will be on there for 7 years. Thats not what she said to me over the phone. I dont think thats fair at all. Is there anything I can do. Thanks
|
| 10/06/2023 |
Yes |
- Debt collection
- Credit card debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
I am not liable for this debt with CKS PRIME INVESTMENT i do not have a contract with the collection agency trying to collect and reporting this debt to the consumer reporting agencies, they did not provide me with the original contract with my signature. are any terms and agreement. to continue to report this inaccurate information to the consumer reporting agencies is identity theft. it has been more then 30 days since i last reached out to this company and have had a response
|
| 07/19/2023 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Information belongs to someone else
|
|
Web |
|
|
have been getting calls saying that i owe a debt I recently filed for Identity Theft and wasn't able to add all the accounts on the Identity theft report but I have # 3 accounts here that are under Identity theft that I wasn't able to add XXXX XXXX XXXX XXXX XXXX XXXX I would like them off my credit report and would like for this company to stop exposing any private information that it has of mine. I have no contract with this company and no dealings at all ( 15 usc 1692 )
|
| 08/27/2023 |
Yes |
- Debt collection
- I do not know
|
- Attempts to collect debt not owed
- Debt was result of identity theft
|
|
Web |
|
|
My wife left me a XXXX of months ago. Just recently I started receiving notifications from debt collection agencies for debt that I didn't create. My wife had taken out several credit cards and loans in my name and has me {$30000.00} in debt. I froze my credit and filed a fraud report with the credit bureaus. I tried to file a police report and reported this to the prosecuting attorney, but neither one would let me report this situation since we are still leagll married.
|
| 12/07/2023 |
Yes |
- Credit reporting or other personal consumer reports
- Credit reporting
|
- Improper use of your report
- Reporting company used your report improperly
|
|
Web |
|
|
This debt collector engaged in abusive, deceptive, and unfair practices of the FDCPA which it prohibits. They furnished this account that we didnt agree upon and I didnt sign an agreement on. A legal contract is signed by two parties and I did not participate in any of it. More so they didn't follow the proper 5 step validation procedure which make this unfair practices. According to the FDCPA Im entitled to XXXX dollars per violation and clearly they violated my rights.
|
| 09/27/2022 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Improper use of your report
- Reporting company used your report improperly
|
|
Web |
|
|
Velocity Investments , LLC XXXX XXXX XXXX XXXX XXXX XXXX Phone : ( XXXX ) XXXX XXXX XXXX XXXX XXXX Listed Amount Due : {$10000.00} I contacted the collection agency asking them to verify the debt and not to report this on my credit and they did so anyway. They received my information illegally and called me multiple times during work. They have not responded to my email letter in over 20 days. Under the fair credit reporting act, this should be removed immediately.
|
| 07/20/2020 |
Yes |
- Debt collection
- Auto debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
The debt collecter stayed that owe for a auto loan that was in collections for a car I never purchased I also dont have a drivers and I stated that its impossible for me to buy a vehicle with no drivers license and the debt and the account was not mine I also asked if they had a contractual agreement with my signature and a drivers license with my name and picture and they stated that they did not have it so how can they state that this debt is valid with no proof.
|
| 12/19/2023 |
Yes |
- Debt collection
- Credit card debt
|
- Took or threatened to take negative or legal action
- Sued you without properly notifying you of lawsuit
|
|
Web |
|
|
I received a civil summons that I was being sued by cks prime investments llc c/o XXXX XXXX XXXX. I have NEVER received a letter or voice message from either regarding this debt to settle. Among research, cks prime investments is notorious for this. They have also broken the FDCPA by never contacting me and notifying me of legal action until the summons was served. I have only been in contact with the original debtor XXXX XXXX XXXX regarding this debt.
|
| 03/29/2021 |
Yes |
- Debt collection
- I do not know
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
I was notified on XX/XX/XXXX a Velocity Investment they were suing me over a debt I told them was not mine. I sent them a Letter thru there attorney back XX/XX/XXXX advising I was not familiar with this debt. They did not respond. Yet continued further collection. I do not owe this debt. I need assistance contacting the Original company XXXX XXXX XXXX and letting them know this is not my debt. The amount they are suing for is over 6k. Please help.
|
| 07/24/2022 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Improper use of your report
- Reporting company used your report improperly
|
|
Web |
|
|
In accordance with the Fair Credit reporting act the following creditors have been violating my rights.
1. XXXX XXXX XXXX # XXXX / {$1400.00} 2. CKS PRIME INVESTMENTS # XXXX / {$630.00} 3. CKS PRIME INVESTMENTS # XXXX / {$940.00} 15 U.S.C 1681 section 602 A. states I have the right to privacy.
15 U.S.C 1681 section 604 A. section 2 : it also states a consumer reporting agency can not furnish a account without my written instructions.
|
| 10/18/2023 |
Yes |
- Credit reporting or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Personal information incorrect
|
|
Web |
|
|
XXXX XXXX XXXX and also CKS Prime Investments companies are both third party debt collector.. I have ask for both companies to send me all document with original contract or signature or account accuracies..
XXXX XXXX XXXX has debt for XXXX opened XXXX XXXX XXXX CKS Prime Investments has account for {$580.00} open XXXX XXXX I have disputed these at least 3-4 time.. I just really need help and removing these items off my report..
|
| 08/26/2023 |
Yes |
- Debt collection
- Credit card debt
|
- False statements or representation
- Attempted to collect wrong amount
|
|
Web |
|
|
The company saying they bought this debt is called CKS Prime Investment and the amount is XXXX but was bought from XXXX XXXX XXXX, I have asked for proof of debt, contract and signature to prove this is my debt but they have failed to provide me with any documentation or information. They keep reporting it to my credit over and over and over which in turn is making my credit go down as I am working really hard to build it back up.
|
| 09/02/2022 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Improper use of your report
- Reporting company used your report improperly
|
|
Web |
|
|
In accordance with the fair credit Reporting act XXXX Account # XXXX has violated my rights.
15USC 1681 Section 602 States I have the right to privacy.
15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.
15 USC 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose.
|
| 05/22/2022 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Improper use of your report
- Reporting company used your report improperly
|
|
Web |
|
|
In accordance with the fair credit Reporting act XXXX AccouRt # XXXX, has violated my rights.
15 USC 1681 Section 602 States I have the right to privacy.
15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency canne furnish a account without my written instructions.
9384 15 USC 1666B : A creditor may not treat a payment on a credit card account under an open End consumer credit As late for and purpose
|
| 01/25/2022 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Information belongs to someone else
|
|
Web |
|
|
I submitted a POLICE report and theft affidavit to have items blocked per the FCRA 605 .All of the bureaus blocked the information. XXXX reinserted and upon calling I was told that the data furnisher submitted sufficient documentation for the items to remain. I don't see how they were able to submit any evidence to XXXX but transition and XXXX blocked the fraudulent items and didn't reinsert them.
XXXX is violating the fcra.
|
| 07/14/2023 |
Yes |
- Debt collection
- Credit card debt
|
- Attempts to collect debt not owed
- Debt was result of identity theft
|
|
Web |
|
|
I've tried disputing this debt for a few years through XXXX XXXX and nothing has worked. I was a victim of identity theft and I have no idea which creditors were used under my name. This is on my credit report which I've tried to get removed and nothing has worked. They stated XX/XX/2023, but this has been on my account for several years. I have no clue who this creditor is. Please help me remove this account off my credit.
|
| 06/14/2023 |
Yes |
- Debt collection
- Credit card debt
|
- False statements or representation
- Attempted to collect wrong amount
|
|
Web |
|
|
I had turned my Credit cards over to the XXXX XXXX XXXX XXXX. Somehow CKS Prime Investments had obtain one of my accounts and posted a collection on my credit report. The first one was for a $ ) amount and another one for {$630.00} amount. I have received anything through mail or phone call from this company. All of my credit card amounts are paid in full through the XXXX program. This a false account on my credit reports.
|
| 06/09/2023 |
Yes |
- Debt collection
- I do not know
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
CKS prime investments , llc XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, NJ XXXX will not remove collection from my credit report even though this is not my account. I have no knowledge of this account and do not have a contract with this company for any debt. I continue to dispute this charge to no avail and have yet to see any documentation I have signed or agreed to. I have exhausted all options to correct this issue.
|
| 10/26/2023 |
Yes |
- Credit reporting or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Information is missing that should be on the report
|
|
Web |
|
|
XXXX XXXX XXXX XXXX XXXX XXXX XXXX This belonged to a ex spouse and the wont delete.
CKS prime investment llc This company continues to abuse the system. The accounts on my credit with them arent mine and they constantly keep refreshing things on my credit.
XXXX XXXX XXXX This company continues to abuse the system. The accounts on my credit with them arent mine and they constantly keep refreshing things on my credit.
|
| 06/27/2023 |
Yes |
- Payday loan, title loan, or personal loan
- Personal line of credit
|
- Incorrect information on your report
- Account information incorrect
|
|
Web |
Servicemember |
|
You velocity investments are not supposed to report this item as negative I will report you to the IRS for tax fraud let me know if you want me to proceed you are in violation of FCRA 15 USC 1681 EB for reporting information that is not 100 %. I demand that you delete this charged off item from my credit report. The next step will be to contact the IRS and request a 1099c form and report your company for tax fraud.
|
| 01/05/2017 |
No |
- Debt collection
- Credit card
|
- Taking/threatening an illegal action
- Attempted to/Collected exempt funds
|
|
Web |
|
|
I had a debt XXXX from 2011 - which was Purchased by XXXX XXXX. XXXX XXXX XXXX did not own this debt but filed a Civil Suit in Magistrate Court of XXXX County. Once made aware of the outstanding debt I contacted XXXX XXXX and settled all debt. I mailed proof of this to Magistrate Court and the Attorney XXXX XXXX XXXX, XXXX XXXX # XXXX. Following that I received a summons to appear for a trial on this case XXXX.
|
| 02/24/2023 |
Yes |
- Debt collection
- Credit card debt
|
- Attempts to collect debt not owed
- Debt was result of identity theft
|
|
Web |
|
|
I was never advised of the transfer of this debt. This is a violation of my rights as a consumer. I will be seeking legal assistance due to noncompliance with 15 U.S. Code 1681 ( e ) ( B ) and XXXX XXXX Compliance Standards, there are multiple deviations, deficiencies, inaccurate information, and unauthorized information listed on my credit report. Please remove these accounts referenced from my credit report.
|
| 10/23/2023 |
Yes |
- Debt collection
- I do not know
|
- Written notification about debt
- Didn't receive enough information to verify debt
|
|
Web |
|
|
I responded via email on XX/XX/XXXX to this debt that this debt collection agency is trying to collect. On XX/XX/ they contacted me via phone and I requested a debt validation letter and contacted them multiple times and on XX/XX/ I sent certified mail letter requesting this information and I have yet to receive it. Now they have reported this to the XXXX without providing the documentation I requested.
|
| 12/16/2022 |
Yes |
- Debt collection
- I do not know
|
- Attempts to collect debt not owed
- Debt was result of identity theft
|
|
Web |
Servicemember |
|
This creditor XXXX XXXX XXXX added a collection to my account for a account that was open due to ID theft, this account should be removed from my credit profile as the debt does not belong to me.
I have reached out to the company 7 times in the last 2 months with no help from the company.
Account opened XX/XX/2022 amount owed {$610.00} this collection is showing on my XXXX credit report and is false
|
| 03/12/2021 |
Yes |
- Debt collection
- Credit card debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
I received a letter of a alleged collection of a debt I did not own nor authorize, nor sign any documentation hereto ... XXXX XXXX XXXX, contacted me in representation of Velocity Investments another 3rd party collection company, that purchased from XXXX XXXX XXXX XXXX ... in representation of XXXX that discharged and charge off of a account I did not authorize, nor owe ... complete fraud on their parts.
|
| 06/09/2021 |
Yes |
- Debt collection
- Credit card debt
|
- Written notification about debt
- Didn't receive enough information to verify debt
|
|
Web |
|
|
I obtained my credit reports and found this debt on my report. I mailed a certified letter to XXXX XXXX XXXX on XX/XX/2021 and it was received by their office on XX/XX/2021. The USPS tracking number is XXXX XXXX XXXX XXXX XXXX and the company has had ample time to respond to my request ; however, to date, I have not received any validation of this debt or any response whatsoever from the debt collector.
|
| 03/03/2022 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Account status incorrect
|
|
Web |
|
|
I paid a collection from CKS Financial on XX/XX/XXXX for the amount of {$210.00}. During my conversation with one of the agents, I was told that if I paid the amount, the collection would be removed from my credit report. It looks like a mark from CKS was later added in XXXX of XXXX after a payment of {$210.00} was made. I have tried to contact CKS Financial but they will not return my calls or email.
|
| 06/21/2021 |
Yes |
- Debt collection
- I do not know
|
- Took or threatened to take negative or legal action
- Sued you without properly notifying you of lawsuit
|
|
Web |
|
|
I sent a certified letter to XXXX XXXX XXXX XXXX on XX/XX/2021. The letter included a notarized Affidavit of Truth including Exhibits A, and B., and a Cease & Desist Letter as well a an invoice for violation of my Federally Protected Consumer Rights under 15 USC 1692 in the amount of {$3000.00}. The Law firm is in violation of the following : *15 USC 1692g ( c ) *15 USC 1692g ( d ) *15 USC 1692i ( b )
|
| 12/02/2023 |
Yes |
- Credit reporting or other personal consumer reports
- Credit reporting
|
- Problem with a company's investigation into an existing problem
- Their investigation did not fix an error on your report
|
|
Web |
|
|
I am in process of purchasing a home and have found multiple accounts under my name that I had no knowledge of. I did have to get my bank account updated several times due to identity theft. After denying the said accounts, the companies not only not provide accurate information proving the account to be mine, but failed to show investigation evidence of doing so. This is defamation of character.
|
| 06/22/2023 |
Yes |
- Debt collection
- Credit card debt
|
- Attempts to collect debt not owed
- Debt was result of identity theft
|
|
Web |
|
|
I have reached out to CKS Prime Investments on more then one occassion requesting the removal of this fraudulent account due to it being a result of identity theft. I have requested validation, and all or any information on this fraudulent account to aid in its removal. All request for documentation have been ignored and this fraudulent account continues to report on all my personal credit files.
|
| 09/24/2021 |
Yes |
- Debt collection
- I do not know
|
- Attempts to collect debt not owed
- Debt was result of identity theft
|
|
Web |
|
|
This account is inaccurately and erroneously reporting. Their intentional and willful furnishing of inaccurate information is a violation of FCRA Section 623 and according to FCRA Section 611. I have done many attempts to reach out to XXXX Credit Bureau but they failed to give me any results or feedbacks about this concern. Please investigate and remove it from my personal credit file. Thank you.
|
| 05/21/2023 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt was result of identity theft
|
|
Web |
Servicemember |
|
The XXXX XXXX XXXX, a debt collector with offices in Arizona, has attempted to collect a debt that it knew or, should have known was the result of identity theft. XXXX XXXX has used the court system to intimidate me and my family into paying a debt for which we're not responsible. The firm has acted extra-judicially in attempting to collect a debt from those who are not responsible for the debt.
|
| 05/25/2023 |
Yes |
- Debt collection
- I do not know
|
- False statements or representation
- Indicated you were committing crime by not paying debt
|
|
Web |
|
|
I am writing to delete and remove the following accounts and information off of my consumer report. The accounts and information listed below should not be reported on to my consumer report. This is a direct violation of the FDCPA and FCRA and needs to be deleted and removed off of my consumer report immediately as it's violating several laws. Remove these accounts and information immediately!
|
| 05/02/2023 |
Yes |
- Debt collection
- I do not know
|
- False statements or representation
- Indicated you were committing crime by not paying debt
|
|
Web |
|
|
I am writing to delete and remove the following accounts and information off of my consumer report. The accounts and information listed below should not be reporting on to my consumer report. This is a direct violation of the FDCPA and FCRA and needs to be deleted and remove off of my consumer report immediately as its violating several laws. Remove these account and information immediately!
|
| 04/24/2018 |
No |
- Debt collection
- Payday loan debt
|
- Took or threatened to take negative or legal action
- Seized or attempted to seize your property
|
|
Web |
|
|
Velocity Investments LL and XXXX bought lending clubs junk debt. They left an envelope on my steps claiming they are going after my wages. What?? Why the hell are these guys. Seems like a scam but googling them it looks like this is their business model. I have nothing to pay them so I find the fact they left an envelope on the steps at a condo building with the wrong name on it pretty sad.
|
| 04/04/2023 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Improper use of your report
- Reporting company used your report improperly
|
|
Web |
|
|
In accordance with the fair credit Reporting Act XXXX XXXX # XXXX, has violented my rights.15 USC 1681 Section 602 State I have the right to privacy. 15 USC 681 section 2. It also state a consumer reporting agency can not furnish a account without my written instructions. 15 USC 1666B : A creditor may not treat a payment on a credit card under an open end consumer plan as late purpose.
|
| 01/14/2021 |
Yes |
- Debt collection
- Payday loan debt
|
- Attempts to collect debt not owed
- Debt was paid
|
|
Web |
|
|
I sent Velocity Investments , LLC. a request for validation of a debt on XX/XX/2020 and it was received on XX/XX/2020. This alleged debt has already been paid and I am yet to receive a response from this company in reference to my debt validation request letter pursuant to 15 USC 1692g ( a ) of the FDCPA. They have engaged in deceptive, illegal and abusive debt collection practices.
|
| 12/08/2020 |
Yes |
- Debt collection
- I do not know
|
- False statements or representation
- Attempted to collect wrong amount
|
|
Web |
|
|
the collection company summonsed me to come to the court in XXXX county court. and judge dismissed there claim and did charge the summon. the collection company still holding me hostage on this account in consumer credit reporting agency. i sent the copies of court decision to all three buraus but they are still keeping that account in my file. I want this to be removed from report
|
| 04/13/2021 |
Yes |
- Debt collection
- Other debt
|
- Written notification about debt
- Didn't receive notice of right to dispute
|
|
Web |
|
|
I received a lawsuit by my local court stating that I was served by alternative means via mail and by leaving summon papers by the door on a debt owed but I did not receive anything other than a copy of someone else 's lawsuit that was placed by my door. This is a poor tactic to get the court to say they have served me and now I have a court date on XX/XX/2021. This is not right.
|
| 05/11/2023 |
Yes |
- Debt collection
- I do not know
|
- False statements or representation
- Indicated you were committing crime by not paying debt
|
|
Web |
|
|
I have been requesting for this company to send me validation of debt to clarify everything about this alleged debt but not only they have failed to send me information, but they are also reporting false information to the credit bureau which is damaging my character. My information may have gotten to the hands of the wrong people and this may be the result of such an incident.
|
| 02/01/2023 |
Yes |
- Debt collection
- I do not know
|
- False statements or representation
- Indicated you were committing crime by not paying debt
|
|
Web |
|
|
I have been requesting for this company to send me validation of debt to clarify everything about this alleged debt but not only they have failed to send me information, but they are also reporting false information to the credit bureau which is damaging my character. My information may have gotten to the hands of the wrong people and this may be the result of such an incident.
|
| 11/08/2022 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Information belongs to someone else
|
|
Web |
|
|
XXXX XXXX. Sent account to CKS prime to collect they found out account was related to fraud and was not mine and dismissed it and I have been trying to get it removed for two years and have sent in all the proper documentation and XXXX XXXX XXXX still will not remove the account when they actually creditor doesnt even have a file for me and Im demanding its removed immediately
|
| 04/12/2023 |
Yes |
- Debt collection
- Credit card debt
|
- Written notification about debt
- Didn't receive enough information to verify debt
|
|
Web |
|
|
I've disputed this collection numerous times. I have no knowledge of this account. It keeps updating as if it's a new account. It shows this account was opened XX/XX/XXXX. I did not apply for anything with a debt collection company on that date. I have not received any correspondence about this debt to verify it. I've disputed it XX/XX/XXXX, XX/XX/XXXX, & XX/XX/XXXX with XXXX.
|
| 12/12/2022 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Improper use of your report
- Reporting company used your report improperly
|
|
Web |
|
|
15 USC 1681 Section 602 States I have the right to privacy 15 USC 1681 Section 604 A Section2 : It also states a consumer reporting agency can not furnish a account without my written instructions.
15 USC 1666B : A creditor may not treat a payment on a credit card account under an open and consumer credit plan as late an open-end consumer credit plan as late for any purpose.
|
| 01/01/2024 |
Yes |
- Credit reporting or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Account status incorrect
|
|
Web |
|
|
I paid the balance off to CKS Prime Investment collection agency in XX/XX/2021. It still reflects on my credit report as an XXXX collections account on my credit reports. I reached out to CKS several times to request them to reflect the account as CLOSED or DELETE it. CKS refuses to update and correct my credit file. Which makes it look like I have an open recurring balance.
|
| 07/12/2021 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Information belongs to someone else
|
|
Web |
|
|
I have these accounts that does not belong to me and i want them to be remove from my credit asap.
1. Identity Theft XXXX XXXX Account Number : XXXX This is not mine.
2. Identity Theft XXXX XXXX XXXX Account Number : XXXX This is not mine.
3. Identity Theft XXXX Account Number : XXXX This is not mine.
4. Identity Theft XXXX Account Number : XXXX This is not mine.
|
| 01/23/2023 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
Servicemember |
|
XXXX OUTSOURCING FORWARDED A NOTICE ADVISING THEY ARE ATTEMPTING TO COLLECT A DEBT THAT HAS NOT BEEN VALIDATED. UPON THE INITIAL REQUEST, I INQUIRED ON THE VALIDITY OF THE DEBT. XXXX THEN FORWARDED THE ATTACHED, WITH A DIFFERENT AMOUNT, DIFFERENT DATES, AND DIFFERENT LENDER. IT DOES NOT REFLECT WHAT IS CURRENTLY SHOWING ON THE XXXX CREDIT REPORT AND IS INACCURATE.
|
| 02/18/2023 |
Yes |
- Debt collection
- Credit card debt
|
- Attempts to collect debt not owed
- Debt was result of identity theft
|
|
Web |
|
|
I have filed a dispute with the original creditor XXXXXXXX XXXX XXXX XXXX. They investigated my identity theft claim and responded to me by mail. XXXX And asked for you to remove your account from all 3 credit profiles XXXX XXXX and XXXX and stop attempting to collect any debt. Call them for verification of this statement. XXXX case # XXXX view attached documents.
|
| 02/23/2018 |
No |
- Debt collection
- I do not know
|
- Communication tactics
- Frequent or repeated calls
|
|
Web |
Older American |
|
I received letter from a collection company, XXXX, saying that I owed {$5800.00} to Velocity Investments. I have never had dealings with this company nor do I owe any debt to them or anyone that I am even late on.
The letter says they will " settle '' for {$1400.00}.
I do not owe this company.
I want them to stop sending me letters and to stop phoning me.
|
| 02/22/2022 |
Yes |
- Debt collection
- Payday loan debt
|
- Written notification about debt
- Didn't receive notice of right to dispute
|
|
Web |
|
|
CKS Prime Investments , LLC at XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NJ XXXX has been sending me collection notices in the amount of {$9700.00}. The collection has been reported as a past due balance. I do not know this company. I have never done any business with this company. This company does not have a contract with my signature.
|
| 07/31/2023 |
Yes |
- Debt collection
- Other debt
|
- Written notification about debt
- Didn't receive enough information to verify debt
|
|
Web |
|
|
I attempted to contact the company 5 times to get verification of debt. They claimed they could not give it to me and I would need to contact a different company. When I started that I needed verification from them, as they were the ones to supposedly purchase my debt I was talked down to and hung up on several times. Velocity Investments is the company.
|
| 12/01/2022 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt was result of identity theft
|
|
Web |
|
|
I have recently pulled my XXXX credit report and have noticed accounts that have been investigated and deleted by another credit bureau are still being reported by XXXX and XXXX.. I have continuously disputed this account without any resolution continuously. Pursuant to the FAIR CREDIT REPORTING ACT, I expect you to complete the removal within 30 days.
|
| 10/02/2019 |
Yes |
- Debt collection
- Auto debt
|
- Written notification about debt
- Didn't receive notice of right to dispute
|
|
Web |
|
|
My wages are being garnished for auto loans that I owed {$8000.00} and some odd dollars They said that grow up to {$4000.00} more than the original amount I have paid {$10000.00} and just about finished paying the amount that they garnished me for but they are saying that its accumulating more interest and that they can keep charging more money
|
| 12/04/2023 |
Yes |
- Credit card
- General-purpose credit card or charge card
|
- Incorrect information on your report
- Account information incorrect
|
|
Web |
Servicemember |
|
I had an opportunity to pull my credit report on XX/XX/2023. I found that CKS Prime Investment was listing a collection for {$750.00} with three credit bureaus. I have not received any documentation or phone communication from this company regarding a balance owed. I would really like for someone to look into this for me. Thank you in advance.
|
| 11/30/2022 |
Yes |
- Debt collection
- Credit card debt
|
- Written notification about debt
- Didn't receive enough information to verify debt
|
|
Web |
|
|
Original creditor was XXXX XXXX XXXX XXXX. Debt was then sold and the debt to cks prime investments. Never did I receive a debt validation letter via certified mail. Im requesting to see proof of certified debt validation letter if they can not produce it I am requesting this debt be deleted because its effecting my ability to establish credit
|
| 07/11/2021 |
Yes |
- Debt collection
- Credit card debt
|
- Attempts to collect debt not owed
- Debt was result of identity theft
|
|
Web |
|
|
I was never notified of this debt, per 15 USC 1692 I was to be notified within 5 days. Per 15 USC 1692gf, unfair practices. No information given regarding debt. FTC Report filed and other reports filed. Unknown debt over 3 months now and no information given. Not sure who this company is and how I even owe them or ever entered into contract.
|
| 10/12/2021 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt was result of identity theft
|
|
Web |
|
|
I was a victim of identity theft from XXXX-XXXX I found auto loans and credit cards and personal loans under my name I submitted a dispute along with a police report and was able to prove fraud.the collection was sold to another company cks prime investment Ive explained numerous times my situation and they have done nothing to resolve this
|
| 12/02/2023 |
Yes |
- Debt collection
- I do not know
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
Hello, It appears your company is reporting approximately {$380.00} on my credit report. Please read below thoroughly. I have not supplied proof under the doctrine of estoppel by silence, Engelhardt v. Gravens ( mo ) 281 SW 715,719, I presume that no proof of the alleged debt, nor therefore any such debt, in therefore exists.
Thank you,
|
| 10/08/2021 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
CKS PRIME INVESTMENTS, LLC XXXX XXXX XXXX XXXX XXXX XXXXHAS PLACED A COLLECTION ON MY TRANSUNUON CREDIT REPORT AND SENDING ME NOTICES IN THE AMOUNT OF XXXX THE COLLECTION IS BEING REPORTED AS PAST DUE . I DO NOT KNOW THIS COMPANY. I HAVE NEVER DONE BUSINESS WITH THIS COMPANY. THIS COMPANY DOES NOT HAVE A CONTRACT WITH MY SIGNATURE
|
| 01/03/2024 |
Yes |
- Debt collection
- Credit card debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
As your XXXX XXXX account was charged off and sold to Velocity Investments , LLC. Velocity Investments , LLC has become the servicer of this account. As a result, all payments and correspondence should be directed to : Velocity Investments , LLC XXXX XXXX XXXX XXXX, NJ XXXX ( XXXX ) XXXX ... This account does not belong to me.
|
| 01/03/2023 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Information belongs to someone else
|
|
Web |
|
|
I have a fraudulent account on my 3 credit bureaus from upstart : velocity investments. I tried contacting the company requesting signed documentation for a loan thats in my name. I submitted police reports, ftc reports, but info is till on my report. I tried contacting all party with negative results..
XXXX account # XXXX
|
| 04/01/2022 |
Yes |
- Debt collection
- I do not know
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
NOTICE OF PENDING LITIGATION SEEKING RELIEF AND MONETARY DAMAGES UNDER FCRA SECTION 616 & SECTION 617/// THIS COMPANY IS REPORTING AN ACCOUNT ON MY CREDIT THAT IS NOT MINE/INACCURATE.FRAUD. I DID NOT GIVE NY PERMISSION TO REPORT THIS ACCOUNT AND I WAS NOT NOTIFIED THAT THIS ACCOUNT WAS OR WILL BE REPORTED TO MY CREDIT REPORT.
|
| 02/26/2023 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Problem with a credit reporting company's investigation into an existing problem
- Their investigation did not fix an error on your report
|
|
Web |
|
|
CKS PRIME INVESTMENT. I HAVE CONTACTED THIS COMPANY MULTIPLE TIMES IN REGARDS TO THIS ACCOUNT IN THE AMOUNT OF {$640.00}. I HAVE ASKED CKS PRIME INVESTMENTS TO PROVIDE ME WITH A CONTRACT BETWEEN MYSELF AND THEIR COMPANY TO SHOW PROOF OF THIS ACCOUNT. CKS PRIME INVESTMENTS HAS YET TO PROVIDE ME WITH THE REQUESTED INFORMATION.
|
| 11/09/2022 |
Yes |
- Debt collection
- I do not know
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
The consumer, who is a federally protected consumer, is here to dispute any purported claims that you are now listing as a consumer debt on the consumer 's credit report.
In accordance with Section 809 of the Fair Debt Collection Practices Act ( 15 USC 1692g ), the Consumer is requesting confirmation from you ( FDCPA ).
|
| 01/30/2024 |
Yes |
- Debt collection
- I do not know
|
- Took or threatened to take negative or legal action
- Threatened to sue you for very old debt
|
|
Web |
|
|
Velocity Investments has continuously harassed with phone calls and flooded my mailbox with letters from different law firms. They have yet to provide proper documentation for proof of agreement with my wet signature or contractual agreement with this agency. The constant harassment has caused great stress to my health.
|
| 01/12/2023 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Improper use of your report
- Reporting company used your report improperly
|
|
Web |
Servicemember |
|
Its a hospital bill that i was paying on and then was turned to collections. Never been notified didnt give my consent to publish the report or givin any time to pay. In XXXX month they wanted the whole amount when i was set on paying it at hospital. This whole thing is against the fair credit reporting act thank you
|
| 02/08/2021 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Information belongs to someone else
|
|
Web |
|
|
There is unknown collection on my credit reports. Im requested the verification of the collection and the method of verification. CKS PRIME INVESTMENT ( Opened XXXX XXXX, 2019 ). For the first time no response came in 15 days company did not provide the following proof : Permissible Purpose. My written authorization.
|
| 09/09/2022 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Improper use of your report
- Reporting company used your report improperly
|
|
Web |
|
|
In accordance with the Fair Credit act CKS PRIME INVESTMENTS , LLC Account # XXXX, has violated my rights. 15 U.S.C 1681 section 602 A States I have a right to privacy. 15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions.
|
| 08/24/2023 |
Yes |
- Debt collection
- Credit card debt
|
- Took or threatened to take negative or legal action
- Sued you without properly notifying you of lawsuit
|
|
Web |
|
|
Just received a notice stating legal actions would be taken, I called the company stating this was the first notice I received and had not gotten a payment plan option etc. was unable to communicate with the credit card company this was over XXXX and half years ago. Letter date XX/XX/23 received XX/XX/23
|
| 11/12/2021 |
Yes |
- Debt collection
- Credit card debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
CkS Prime Investments , LLC XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX, NJ XXXX Has been sending me a collection notice balance {$1200.00} The collection has reported as a pass due balance. I dont know this company. I have never done business with company. This company doesnt have a contract with my signature.
|
| 10/02/2022 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Improper use of your report
- Reporting company used your report improperly
|
|
Web |
|
|
In accordance with the Fair Credit act CKS PRIME INVESTMENTS , LLC # XXXX, has violated my rights. 15 U.S.C 1681 section 602 A States I have a right to privacy. 15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions.
|
| 10/02/2022 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Improper use of your report
- Reporting company used your report improperly
|
|
Web |
|
|
In accordance with the Fair Credit act CKS PRIME INVESTMENTS , LLC # XXXX, has violated my rights. 15 U.S.C 1681 section 602 A States I have a right to privacy. 15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions.
|
| 04/16/2017 |
Yes |
- Debt collection
- Credit card
|
- Improper contact or sharing of info
- Talked to a third party about my debt
|
|
Web |
|
|
The company Velocity Investments , LLC has acknowledged that they have closed the account for this debt. Because of this closure I would like this information communicated to the Prothonotary of both XXXX and XXXX counties, both in Pennsylvania so the judgments can be removed and my credit restored.
|
| 01/16/2021 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Problem with a credit reporting company's investigation into an existing problem
- Their investigation did not fix an error on your report
|
|
Web |
|
|
XXXX is reporting cks prime investments in my credit report as a charge off account with XXXX XXXX XXXX. And I have asked them to investigate this item and send me proof of this account and they have not sent me proof but told me that account was verified. And have not sent me proof of the account.
|
| 06/01/2015 |
Yes |
- Debt collection
- Credit card
|
- Improper contact or sharing of info
- Contacted me after I asked not to
|
|
Web |
|
|
Collection agency has repeatedly contacted me and XXXX parties regarding an alleged debt after being asked to cease and desist contact.
Agency also failed to verify the debt and prove the debt is not time-barred, including refusal to provide Date of Last Payment and/or Date of Delinquency.
|
| 11/07/2022 |
Yes |
- Debt collection
- Credit card debt
|
- Attempts to collect debt not owed
- Debt was already discharged in bankruptcy and is no longer owed
|
|
Web |
|
|
Acompanynamed CKS PRIME INVESTMENTS XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX NJ XXXX is reporting {$990.00} from XXXX XXXX which was written off during my bankruptcy apparentlythey sold this to a third partyXXXX XXXX XXXX is under investigation for their action by the FDIC.
|
| 11/19/2023 |
Yes |
- Debt collection
- Telecommunications debt
|
- Took or threatened to take negative or legal action
- Threatened or suggested your credit would be damaged
|
|
Web |
|
|
This company has continued to violate my consumer rights by reporting inaccurate information to the credit bureau about and account that is not even mine nor have signed and documents with this company but they continue to harass me. Down below I have documents an proof for violations
|
| 07/06/2022 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Improper use of your report
- Reporting company used your report improperly
|
|
Web |
Servicemember |
|
In accordance with the fair credit reporting act, CKS Prime Investment has violated my rights. 15 U.S.C 1681, Sec. 602A states I have a right to privacy. 15 U.S.C 1681 Sec. 604A Sec. 2 also states a consumer reporting agency can not furnish an account without my written instructions.
|
| 06/30/2022 |
Yes |
- Debt collection
- I do not know
|
- Took or threatened to take negative or legal action
- Threatened or suggested your credit would be damaged
|
|
Web |
|
|
This company continues to violate my consumer rights and report to the CFPB like they are following the right directions. Which they this company constanly harras me with phone calls report negative information on my credit file which they bought a debt claiming that i owe them.
|
| 12/22/2023 |
Yes |
- Debt collection
- Credit card debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
This company is reporting fraudulent inaccurate information on my credit report. I have requested that they provide the purchase agreement to show full ownership of such account and also other documents so I may review to see if this is actually an account that belongs to me
|
| 11/04/2022 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Account status incorrect
|
|
Web |
|
|
Company reporting negative information on my report.
Company using personal information without consent.
Company obtained personal information without consent.
Company reports negative information on my report to extort payments.
I have not done business with Company.
|
| 08/31/2019 |
Yes |
- Debt collection
- I do not know
|
- Took or threatened to take negative or legal action
- Sued you without properly notifying you of lawsuit
|
|
Web |
|
|
I just received a summons that Im being sued by Velocity Investments , llc. This is the first correspondence Ive received from this company regarding this matter.
After reading through the summons they are suing me over a loan from a bank Ive never taken a loan out from.
|
| 05/09/2023 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
|
- Getting a credit card
- Card opened as result of identity theft or fraud
|
|
Web |
|
|
I filed a dispute with XXXX and XXXX that the balance of {$850.00} for XXXX XXXX XXXX XXXX was open fraudulently and that i did not open the account. On XX/XX/2023, I received an email that my disputes were rejected. I need this stain off my credit report NOW please.
|
| 11/19/2023 |
Yes |
- Credit reporting or other personal consumer reports
- Credit reporting
|
- Improper use of your report
- Reporting company used your report improperly
|
|
Web |
|
|
Checks prime investments is a debt collection service. How did this company open a trade line in consumers name. This is called fraudulent activity!
If this was a collection it is to be reported as a collection. You can not open a trade line in a consumers name.
|
| 01/06/2023 |
Yes |
- Debt collection
- Other debt
|
- Written notification about debt
- Didn't receive enough information to verify debt
|
|
Web |
Older American |
|
CKS PRIME INVESTMENTS ATTEMPTS TO COLLECT A DEBT. ( DEBT BUYER - NEW JERSEY } I HAVE SENT A WRITTEN REQUEST TO DEBT BUYER REQUESTING VALIDATION AND VERIFICATION OF THE ALLEGED DEBT.
NONE RECEIVED/NO RESPONSE.
ALLEGED DEBT HAS BEEN REPORTED TO XXXX XXXX XXXX XXXX
|
| 01/05/2023 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Account status incorrect
|
|
Web |
|
|
Cks prime investment is reporting that I have and open account. I do not have an open contract with cks prime investment. I do not have a collection Im requesting that the account be permanently removed from my credit file as it is damaging my scores to buy home.
|
| 05/15/2023 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
CKS PRIME INVESTMENTS , LLC Has put a collection on my credit report I dont know this company I do not owe this company any money this collection isnt mine. I got in contact with CKS PRIME INVESTMENTS , LLC and they didnt have any record of me in there files.
|
| 06/23/2023 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Account status incorrect
|
|
Web |
|
|
The collection was paid and the company was supposed to remove the collection from. All credit reports I have spoken with them and nothing has yet to be updated. And this is costing me financially and also hindering me from obtaining any lines of credit.
|
| 11/30/2023 |
Yes |
- Debt collection
- I do not know
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
This company by the name of Velocity Recoveries is reporting fraudulent account information to XXXX. The date that this account was reported by their company was on XX/XX/2023 showing a balance of {$630.00} with an account number attached to it as XXXX.
|
| 06/04/2023 |
Yes |
- Debt collection
- I do not know
|
- Attempts to collect debt not owed
- Debt was result of identity theft
|
|
Web |
Servicemember |
|
Please see My attached With Prejudice as a Memorandum for the Record dated XX/XX/, including supporting evidence, involving third-party debt collector ( s ) or buyers operating unscrupulously to advance a fraudulent and frivolous debt collection action.
|
| 02/01/2022 |
Yes |
- Debt collection
- I do not know
|
- Written notification about debt
- Didn't receive enough information to verify debt
|
|
Web |
|
|
I received a letter from XXXX XXXX for a debt owed to Velocity Investments. It is for a debt according to them that is from XX/XX/2005. That is XXXX years ago. They do not specify who the debt is for. I do not want to call for fear it is a scam.
|
| 07/28/2023 |
No |
- Debt collection
- Credit card debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
This account is reflecting on my credit report and is a result of my identity being compromised and used in multiple data breaches. It is also a charge off and the reporting agency has violated my rights per the consumer credit/finance laws.
|
| 02/08/2023 |
Yes |
- Debt collection
- I do not know
|
- Written notification about debt
- Didn't receive enough information to verify debt
|
|
Web |
|
|
My letter sent certified mail on XX/XX/2023 was delivered and signed for on XX/XX/2023. I have requested validation of debt, and to this day have not received this from the company. This debt is reporting inaccurately on my consumer report.
|
| 10/15/2022 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Account status incorrect
|
|
Web |
|
|
This is my official request to have the listed account investigated and removed from my credit report. The account is listed as open and late but is in the collection.
Enclosed may be additional evidence to support my claim.
Sincerely,
|
| 07/21/2021 |
Yes |
- Debt collection
- Credit card debt
|
- Written notification about debt
- Didn't receive enough information to verify debt
|
|
Web |
|
|
I am not liable for this debt with XXXX XXXX XXXX XXXX XXXX and I do not have a contract with CKS PRIME INVESTMENTS plus they did not provide me with the original application like I asked.
Account No : XXXX Amount Disputed : {$540.00}
|
| 08/12/2023 |
Yes |
- Debt collection
- Credit card debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
CKS PRIME INVESTMENTS is reporting a debt of {$710.00} ... I XXXX XXXX have never had a contract with CKS..This is fraud and nothing more. CKS could never be a creditor as banks and financial institutions dont lend money or credit.
|
| 01/17/2024 |
Yes |
- Debt collection
- Other debt
|
- Written notification about debt
- Didn't receive enough information to verify debt
|
|
Web |
|
|
Company has refused to comply with validation of debt requests pursuant to Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ) and Fair Debt Collection Practices Act, 15 USC 1692g Sec. 809. Within the 30 day period required.
|
| 05/03/2022 |
Yes |
- Debt collection
- Credit card debt
|
- Attempts to collect debt not owed
- Debt was result of identity theft
|
|
Web |
|
|
Per tracking, Its been 2-3 months. No information given. Accounts unknown. Ignored investigation. Violates 15 USC 1692efg and 1681a never authorized or given permission for accounts report. On Copy, XXXX, Attorney General and FTC
|
| 05/20/2023 |
Yes |
- Debt collection
- I do not know
|
- Attempts to collect debt not owed
- Debt was result of identity theft
|
|
Web |
Older American |
|
Loan taken out in my name in XXXX that says I owe {$8400.00} from XXXX XXXX XXXX Ive never heard of and has been turned over to the debt collector Velocity Investments LLC has purchased. I feel all of this is identity theft
|
| 03/10/2017 |
Yes |
|
- Disclosure verification of debt
- Not given enough info to verify debt
|
|
Web |
|
|
I received a letter dated XX/XX/XXXX from XXXX in XXXX, MD who is attempting to collect a debt that I was already sued for by Velocity Investments , LLC in XXXX, NJ and the case judgement was Non-suit back on XX/XX/XXXX.
|
| 01/24/2024 |
Yes |
- Credit reporting or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Information is missing that should be on the report
|
|
Web |
|
|
REMOVE ALL NON MAILABLE ADDRESSES EXCEPT CURRENT ADDRESS PLEASE REMOVE CHARGE OFFS PRIVACY ACT XXXX CHARGE OFF IS CONSIDERED AS A CERITIFICATE OF INDEBTNESS THE LAW STATES THAT ITS ILLEGAL TO REPRT TRANSACTION HISTORY.
|
| 03/14/2023 |
Yes |
- Debt collection
- Credit card debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
Servicemember |
|
Debt collection agency XXXX XXXX XXXX Has been reporting debt I don't own they with credit card terms not agreed to. Also furnish wrong amounts and terms for years with no ownership of debt and wrong amounts knowingly.
|
| 02/19/2021 |
Yes |
- Debt collection
- Credit card debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
i have tried to contact this company because they are on my credit report and trying to collect money from a credit card company that has reported mycard as active and open while also reporting the same card as closed
|
| 11/08/2022 |
Yes |
- Debt collection
- Credit card debt
|
- Attempts to collect debt not owed
- Debt was paid
|
|
Web |
|
|
I had paid a collection account and the company is still reporting this as an open balance. This is non compliant and I have already consulted my attorney to receive {$1000.00} in damages and to delete the account.
|
| 07/19/2023 |
Yes |
- Debt collection
- I do not know
|
- Communication tactics
- Frequent or repeated calls
|
|
Web |
|
|
Everyday of the week for the last couple months same numbers calling repeatedly, even if I answer they hang up. I ask them to not contact. day and night phone calls even on Sundays, its giving me XXXX and stress.
|
| 05/19/2023 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Information belongs to someone else
|
|
Web |
|
|
XXXX XXXX XXXX.
{$890.00} XXXX XXXX XXXX XXXX.
{$450.00} XXXX XXXX XXXX XXXX. {$900.00} I see those account in my credit report those accounts are unauthorized I will like them to be removed removed immediately
|
| 02/03/2021 |
Yes |
- Debt collection
- Medical debt
|
- Attempts to collect debt not owed
- Debt was result of identity theft
|
|
Web |
|
|
its been over 30 days and the deadline has past This account is fraudulent activity i don't know where this account came from i need it remove ASAP if this account is not remove i will have to use legal actions
|
| 09/18/2023 |
Yes |
- Debt collection
- Credit card debt
|
- Attempts to collect debt not owed
- Debt was result of identity theft
|
|
Web |
|
|
I have called to request validation of debt. Original creditor removed off of my credit report due to the fraud. They are still reporting even though they " sold the debt '' to a different collection agency.
|
| 09/09/2023 |
Yes |
- Debt collection
- Credit card debt
|
- Attempts to collect debt not owed
- Debt was result of identity theft
|
|
Web |
|
|
I have not supplied proof under the doctrine of estoppel by silence XXXX XXXX XXXX ( mo ) XXXX XXXX XXXX, I presume that no proof of the alleged debt, nor therefore any such debt in the fact therefore exists
|
| 10/19/2022 |
Yes |
- Debt collection
- Credit card debt
|
- Written notification about debt
- Didn't receive enough information to verify debt
|
|
Web |
|
|
According to CFPB response of CKS PRIME INVESTMENT LLC, # XXXX false information was provided in response to the validation letter sent XX/XX/22. I have never received validation Of this alleged collection.
|
| 04/16/2023 |
Yes |
- Payday loan, title loan, or personal loan
- Personal line of credit
|
- Incorrect information on your report
- Account information incorrect
|
|
Web |
|
|
Pursuant to 18 USC, I owe no debt. This company is violating my consumer right to privacy pursuant to 15 USC 1681b 2. Company also has NO permission to report ANYTHING using my info pursuant to 15USC1681 4
|
| 04/24/2023 |
No |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Account information incorrect
|
|
Web |
|
|
According to my loan documents my loan amount was for {$310.00} and I was debited out of my account for over {$1800.00}.
Email sent to XXXX on XX/XX/.
I also can not access the online portal anymore.
|
| 08/16/2022 |
Yes |
- Debt collection
- I do not know
|
- Attempts to collect debt not owed
- Debt was result of identity theft
|
|
Web |
|
|
XXXX is reporting a collection in my report i had requested signed agreement and validation and they failed to provided me with the requested information. this debt was acquired without my permission.
|
| 10/10/2015 |
Yes |
- Debt collection
- Credit card
|
- Cont'd attempts collect debt not owed
- Debt resulted from identity theft
|
|
Web |
|
|
Medical Breach of records and filed Ftc dispute and they Velocity Investment never contacted me and they are the third company trying this debt and they just send a lawyers letter threating a lawsuit
|
| 04/20/2022 |
Yes |
- Debt collection
- Other debt
|
- Written notification about debt
- Didn't receive enough information to verify debt
|
|
Web |
|
|
Dated XX/XX/2022, reduced amount $ XXXXThe debt is not accurate. The company did not send verification of debt. Resent collection statement months later. Dated XX/XX/2022, reduced amount {$5900.00}
|
| 12/17/2023 |
Yes |
- Debt collection
- Credit card debt
|
- Attempts to collect debt not owed
- Debt was result of identity theft
|
|
Web |
|
|
this account was charged without my permission and is not a verified account. this account also belongs to a third party there is no payment agreement.
Velocity Investments XXXX XXXX credit card
|
| 07/02/2023 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
|
- Closing your account
- Company closed your account
|
|
Web |
|
|
This accounts was closed by the company I had the card with and they wrote it off and now this new company is saying I have to pay them for it witch is not true when the card company wrote it off
|
| 01/26/2021 |
Yes |
- Debt collection
- Auto debt
|
- False statements or representation
- Attempted to collect wrong amount
|
|
Web |
|
|
Velocity investment LLC trying to collect on a wrong debt. The debt is suppose to be {$8200.00} and they are reporting on {$13000.00} and I wrote them letters for deletion! They failed to do so.
|
| 11/13/2022 |
Yes |
- Debt collection
- Credit card debt
|
- Attempts to collect debt not owed
- Debt was already discharged in bankruptcy and is no longer owed
|
|
Web |
|
|
Cks prime investments has contacted me about a debt a month ago I have asked for validation letter never received the letter only got a bill with the company name with my name and address on it
|
| 02/01/2022 |
Yes |
- Debt collection
- I do not know
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
Servicemember |
|
Received letter in regards to an alleged debt from 1996. Original debt supposedly came from XXXX XXXXXXXX XXXX, possibly also known as XXXX. I never had any business dealings with this company.
|
| 07/09/2022 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
|
- Closing your account
- Can't close your account
|
|
Web |
|
|
Never received any information in regards to this debt. Tried contacting and reaching them but never could get any type of response. Account still showing open which is unfair and unethical.
|
| 05/12/2023 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Account information incorrect
|
|
Web |
|
|
The reason I am submitting my complaint is because I paid the account in full and I have come to an agreement with CKS Prime Investment, The Lates were to be removed and no longer reported.
|
| 03/27/2023 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Account information incorrect
|
|
Web |
|
|
A cease and desist letter was mailed over to the CKS PRIME INVESTMENTS in which the recipient signed for on XX/XX/XXXX. I have yet to hear or see any changes occur on behalf of the company.
|
| 10/25/2023 |
Yes |
- Debt collection
- Credit card debt
|
- Attempts to collect debt not owed
- Debt was paid
|
|
Web |
Servicemember |
|
This 3rd party collections account was paid via debit card transaction. They are stating amount that is paid is owed on my credit report which is inaccurate. This was paid back on XX/XX/23
|
| 04/14/2023 |
Yes |
- Debt collection
- Credit card debt
|
- Attempts to collect debt not owed
- Debt was result of identity theft
|
|
Web |
|
|
Ive sent A identify theft affidavit.. to the credit bureaus as a victim of fraud ive been challenging this accounts and its being put back on my account I have tried countless of times.
|
| 04/04/2022 |
Yes |
- Debt collection
- Other debt
|
- Took or threatened to take negative or legal action
- Threatened to sue you for very old debt
|
|
Web |
|
|
Debt collected lawyers trying to sue over an old debt around {$14000.00} from several years ago. I believe the year was 2016. Sending direct letters to judge requesting a final hearing.
|
| 05/13/2021 |
Yes |
- Debt collection
- I do not know
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
My information was illegally obtained and used. I did not give concent to this or have any knowlegde of it. Someone has been illegally been using my information on multiple accounts.
|
| 12/11/2021 |
Yes |
- Debt collection
- Auto debt
|
- Took or threatened to take negative or legal action
- Threatened to sue you for very old debt
|
|
Web |
|
|
Velocity investment LLC served me with papers to sue for an auto debt that was over 4 years ago ( in Texas ) Would only settle for {$4400.00} and the original was {$5200.00}.
|
| 12/08/2022 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Credit monitoring or identity theft protection services
- Billing dispute for services
|
|
Web |
|
|
They opened. Credit card & loan illegally Also Someone illegally applied for unemployment under my name since XXXX this year 2022 I did filled a police report for it Thanks
|
| 12/03/2023 |
Yes |
- Debt collection
- Credit card debt
|
- Attempts to collect debt not owed
- Debt was paid
|
|
Web |
|
|
I am not liable for this debt with CK Prime investments LLC.I do not have a contract with CK Prime investments LLC, they did not provide me original contract as requested.
|
| 11/24/2023 |
Yes |
- Debt collection
- Credit card debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
I am not liable for debt with XXXX XXXX XXXX XXXX. I did sign or received a original company from CKS Prime investments and demand this be removed from my account.
|
| 05/13/2023 |
Yes |
- Debt collection
- Credit card debt
|
- Took or threatened to take negative or legal action
- Threatened or suggested your credit would be damaged
|
|
Web |
|
|
I disputed the account as unknown. It was charged off and closed. In 2019 it was sold and disputed again. Now it is in collections and reporting against my credit.
|
| 06/07/2023 |
Yes |
- Debt collection
- Credit card debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
This company has an account reporting negatively on my credit report. There is no proof of an original document or signature between CKS Prime Investments and I
|
| 05/02/2023 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Account status incorrect
|
|
Web |
|
|
To whom it may concern, Re : XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX, CKS Prime Investments.
They have failed to VALIDATE ANY DEBT
|
| 10/19/2021 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Problem with a credit reporting company's investigation into an existing problem
- Their investigation did not fix an error on your report
|
|
Web |
Servicemember |
|
CKS Prime Investment has placed a listing on my XXXX XXXX XXXX credit files. I have have not received any validation or correspondence from this company
|
| 05/23/2022 |
Yes |
- Debt collection
- Credit card debt
|
- Attempts to collect debt not owed
- Debt was paid
|
|
Web |
|
|
CKS PRIME INVESTMENTS LL claims that I owe them {$700.00} plus dollars. this is fraudlunet as I paid the origional creditor the amount the balance due.
|
| 07/29/2020 |
Yes |
- Debt collection
- Other debt
|
- Written notification about debt
- Didn't receive notice of right to dispute
|
|
Web |
Servicemember |
|
Reviewed my credit report and saw Creditor Velocity investments on it without any information about the debt. Did not receive any mail about this debt.
|
| 12/25/2022 |
Yes |
- Debt collection
- I do not know
|
- Took or threatened to take negative or legal action
- Threatened to sue you for very old debt
|
|
Web |
|
|
Velocity investments has sent several letters, at least XXXX from several different lawyers saying that I'm being sued and I'm not aware of the debt.
|
| 02/22/2021 |
Yes |
- Debt collection
- Credit card debt
|
- Attempts to collect debt not owed
- Debt was already discharged in bankruptcy and is no longer owed
|
|
Web |
|
|
Sent letter in XXXX about incorrect credit reporting. Shows as 2 different accounts and has been discharged through bankruptcy. Showing 2 amounts due
|
| 10/09/2023 |
Yes |
- Credit reporting or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Personal information incorrect
|
|
Web |
|
|
The names on the account are not the same names what's on my Driver 's license is not the same as the name on this credit reports agency information
|
| 09/08/2021 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Account information incorrect
|
|
Web |
|
|
I was told my account would be deleted once paid but it still shows on my credit report as cks prime investments now they said they won't remove it.
|
| 01/26/2023 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Information belongs to someone else
|
|
Web |
|
|
My data may have been breached and the following accounts are not mine : {$11000.00} XXXX XXXX XXXX, L ( orig. creditor XXXX XXXX XXXX XXXX XXXX )
|
| 03/09/2023 |
Yes |
- Debt collection
- Credit card debt
|
- Written notification about debt
- Didn't receive enough information to verify debt
|
|
Web |
|
|
I am elderly and I haven't checked or used any credit in years most of the things that were on my file are recent which I don't recognize at all
|
| 02/01/2022 |
Yes |
- Debt collection
- Credit card debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
Servicemember |
|
Date : XX/XX/2022 XXXX XXXX XXXX XXXX XXXX Illegal collection Activity through US Mail Repeated collections letters Debt is over XXXX years old.
|
| 07/22/2021 |
Yes |
- Debt collection
- Credit card debt
|
- Attempts to collect debt not owed
- Debt was result of identity theft
|
|
Web |
|
|
This debt is a result of identity theft and I need it deleted from my credit report. I have sent out letters repeatedly and got no response.
|
| 06/20/2023 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Improper use of your report
- Reporting company used your report improperly
|
|
Web |
|
|
Credit card companies sold off my account to collection agencies which is against the law and some of these accounts are over 3 years old.
|
| 03/19/2022 |
Yes |
- Debt collection
- Credit card debt
|
- False statements or representation
- Attempted to collect wrong amount
|
|
Web |
|
|
This debt collector has no right to collect a debt or furnish a report on my consumer report according to the laws listed in my letter.
|
| 04/26/2022 |
Yes |
- Debt collection
- Credit card debt
|
- Attempts to collect debt not owed
- Debt was paid
|
|
Web |
|
|
XXXX helped me get a lump sum payment. For the amount of {$300.00}. This payment would settle this debt. This a paid in full payment.
|
| 03/04/2021 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
XXXX is claiming that I owe them {$630.00} but I didn't recognize this debt. Please Remove this inaccurate collection from my report.
|
| 07/04/2022 |
Yes |
- Debt collection
- Credit card debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
I HAVE NEW AND UPDATED INFORMATION, PLEASE SEE ATTACHED DOCUMENTS. CKS. HAVE REMOVED THE COLLECTION FROM XXXX AND XXXX BUT NOT XXXX
|
| 01/13/2024 |
Yes |
- Debt collection
- Federal student loan debt
|
- Took or threatened to take negative or legal action
- Threatened or suggested your credit would be damaged
|
|
Web |
|
|
Sent letter to company for validation on XX/XX/XXXX company hasnt responded or provided validation as of today XX/XX/XXXX
|
| 12/12/2023 |
Yes |
- Credit card
- General-purpose credit card or charge card
|
- Getting a credit card
- Card opened without my consent or knowledge
|
|
Web |
|
|
My credit report shows that an account was opened around XX/XX/2019 for the amount of {$920.00} without my consent.
|
| 02/21/2023 |
Yes |
- Debt collection
- I do not know
|
- Took or threatened to take negative or legal action
- Threatened or suggested your credit would be damaged
|
|
Web |
|
|
CKS PRIME INVESTMENT {$670.00} Company has parked an alleged debt on my consumer report without authorization
|
| 08/19/2022 |
Yes |
- Debt collection
- Credit card debt
|
- Communication tactics
- You told them to stop contacting you, but they keep trying
|
|
Web |
|
|
I have notified them several times that this Account does not belong to me and its been a collection
|
| 03/15/2022 |
Yes |
- Debt collection
- I do not know
|
- Took or threatened to take negative or legal action
- Threatened or suggested your credit would be damaged
|
|
Web |
|
|
This company has tried to collect a debt that they still have no validated yet and showed me proof.
|
| 10/26/2022 |
Yes |
- Debt collection
- Credit card debt
|
- Attempts to collect debt not owed
- Debt was paid
|
|
Web |
|
|
Account was paid on XX/XX/2022. It currently says that is it open. This was supposed to be closed.
|
| 01/30/2021 |
Yes |
- Debt collection
- Credit card debt
|
- False statements or representation
- Attempted to collect wrong amount
|
|
Web |
|
|
An account showed up on my credit in the amount of {$890.00} for a debt that I am not aware of
|
| 11/16/2022 |
Yes |
- Debt collection
- I do not know
|
- Written notification about debt
- Didn't receive notice of right to dispute
|
|
Web |
|
|
Unaware of this collection. Please verify this debt is mine, if not please remove and delete.
|
| 11/13/2023 |
Yes |
- Credit card
- General-purpose credit card or charge card
|
- Problem with a company's investigation into an existing problem
- Their investigation did not fix an error on your report
|
|
Web |
|
|
I have paid the settlement and provided documentation and they are not removing from report
|
| 05/18/2021 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
|
- Problem with a credit reporting company's investigation into an existing problem
- Their investigation did not fix an error on your report
|
|
Web |
|
|
Fraudulently opened but no one used the card Still the financial company charged {$290.00}
|
| 08/22/2023 |
Yes |
- Debt collection
- I do not know
|
- Written notification about debt
- Didn't receive enough information to verify debt
|
|
Web |
|
|
Have requested verification of validity of debt and requests have been ignored
|
| 03/13/2023 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Information belongs to someone else
|
|
Web |
|
|
I have a credit card on my credit report that I did not apply for or have.
|
| 09/27/2022 |
Yes |
- Debt collection
- Medical debt
|
- Attempts to collect debt not owed
- Debt was result of identity theft
|
|
Web |
|
|
I am a victim of identity theft. these accounts were fraudulently obtained
|
| 03/18/2023 |
Yes |
- Debt collection
- Credit card debt
|
- Written notification about debt
- Didn't receive enough information to verify debt
|
|
Web |
|
|
I sent the letter from the CFPB site and have not received a response.
|
| 09/29/2022 |
Yes |
- Debt collection
- I do not know
|
- Attempts to collect debt not owed
- Debt was result of identity theft
|
|
Web |
|
|
SOMEONE STOLE MY INDENTITY AND OPENED UP MULTIPLE ACCOUNTS IN MY NAME.
|
| 01/17/2024 |
Yes |
- Debt collection
- Credit card debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
This is not my debt and information was stolen.
XX/XX/22 {$1000.00}
|
| 11/14/2022 |
Yes |
- Debt collection
- I do not know
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
This is not my account, I have had identity fraud on my name
|
| 09/03/2022 |
Yes |
- Debt collection
- I do not know
|
- Communication tactics
- You told them to stop contacting you, but they keep trying
|
|
Web |
Servicemember |
|
Can't remember dates Informed debt collector to stop calling
|
| 07/27/2021 |
Yes |
- Debt collection
- Credit card debt
|
- Attempts to collect debt not owed
- Debt was paid
|
|
Web |
|
|
The account was paid still in showing on my credit report
|
| 02/25/2018 |
No |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Information is missing that should be on the report
|
|
Web |
|
|
XX/XX/2012, {$8900.00} ... incorrect information
|
| 04/13/2019 |
Yes |
- Debt collection
- I do not know
|
- Written notification about debt
- Didn't receive notice of right to dispute
|
|
Web |
Servicemember |
|
Received ZERO communication from this company
|
| 07/11/2022 |
Yes |
- Debt collection
- I do not know
|
- Communication tactics
- Frequent or repeated calls
|
|
Web |
|
|
Far to many text messages and phone calls
|
| 11/06/2023 |
Yes |
- Credit reporting or other personal consumer reports
- Credit reporting
|
- Improper use of your report
- Credit inquiries on your report that you don't recognize
|
|
Web |
|
|
They did not get my permission
|
| 04/17/2022 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Account information incorrect
|
|
Web |
|
|
XXXX is failing consumers
|
| 04/17/2022 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Account information incorrect
|
|
Web |
|
|
XXXX is failing consumers
|
| 04/17/2022 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Account information incorrect
|
|
Web |
|
|
XXXX is failing consumers
|
| 03/29/2023 |
Yes |
- Debt collection
- I do not know
|
- Communication tactics
- Frequent or repeated calls
|
|
Web |
|
|
I dont know this company
|
| 12/10/2023 |
Yes |
- Debt or credit management
- Debt settlement
|
- Confusing or misleading advertising or marketing
|
|
Web |
|
|
Inaccurate information
|
| 01/27/2024 |
Yes |
- Debt collection
- I do not know
|
- Written notification about debt
- Didn't receive enough information to verify debt
|
|
Web |
|
|
|
| 01/26/2024 |
Yes |
- Credit reporting or other personal consumer reports
- Credit reporting
|
- Improper use of your report
- Reporting company used your report improperly
|
|
Web |
|
|
|
| 01/26/2024 |
Yes |
- Credit reporting or other personal consumer reports
- Credit reporting
|
- Problem with a company's investigation into an existing problem
- Their investigation did not fix an error on your report
|
|
Web |
|
|
|
| 01/24/2024 |
Yes |
- Credit reporting or other personal consumer reports
- Credit reporting
|
- Improper use of your report
- Reporting company used your report improperly
|
|
Web |
|
|
|
| 01/24/2024 |
Yes |
- Credit reporting or other personal consumer reports
- Credit reporting
|
- Improper use of your report
- Reporting company used your report improperly
|
|
Web |
|
|
|
| 01/24/2024 |
Yes |
- Credit reporting or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Old information reappears or never goes away
|
|
Web |
|
|
|
| 01/23/2024 |
Yes |
- Debt collection
- Credit card debt
|
- Took or threatened to take negative or legal action
- Threatened to sue you for very old debt
|
|
Web |
|
|
|
| 01/23/2024 |
Yes |
- Credit reporting or other personal consumer reports
- Credit reporting
|
- Improper use of your report
- Reporting company used your report improperly
|
|
Web |
|
|
|
| 01/23/2024 |
Yes |
- Debt collection
- I do not know
|
- Written notification about debt
- Didn't receive enough information to verify debt
|
|
Web |
|
|
|
| 01/22/2024 |
Yes |
- Debt collection
- I do not know
|
- Threatened to contact someone or share information improperly
- Talked to a third-party about your debt
|
|
Web |
|
|
|
| 01/21/2024 |
Yes |
- Credit card
- General-purpose credit card or charge card
|
- Fees or interest
- Problem with fees
|
|
Web |
|
|
|
| 01/19/2024 |
Yes |
- Debt collection
- I do not know
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
|
| 01/19/2024 |
Yes |
- Credit reporting or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Account information incorrect
|
|
Web |
|
|
|
| 01/19/2024 |
Yes |
- Credit reporting or other personal consumer reports
- Credit reporting
|
- Problem with a company's investigation into an existing problem
- Their investigation did not fix an error on your report
|
|
Web |
|
|
|
| 01/16/2024 |
Yes |
- Debt collection
- Credit card debt
|
- Written notification about debt
- Didn't receive enough information to verify debt
|
|
Web |
|
|
|
| 01/16/2024 |
Yes |
- Debt collection
- Credit card debt
|
- Attempts to collect debt not owed
- Debt was result of identity theft
|
|
Web |
|
|
|
| 01/16/2024 |
Yes |
- Credit reporting or other personal consumer reports
- Credit reporting
|
- Improper use of your report
- Credit inquiries on your report that you don't recognize
|
|
Web |
|
|
|
| 01/15/2024 |
Yes |
- Credit reporting or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Information belongs to someone else
|
|
Web |
|
|
|
| 01/11/2024 |
Yes |
- Debt collection
- I do not know
|
- Attempts to collect debt not owed
- Debt was result of identity theft
|
|
Web |
|
|
|
| 01/10/2024 |
Yes |
- Debt collection
- Credit card debt
|
- False statements or representation
- Attempted to collect wrong amount
|
|
Web |
|
|
|
| 01/09/2024 |
Yes |
- Credit reporting or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Information belongs to someone else
|
|
Web |
|
|
|
| 01/09/2024 |
Yes |
- Credit reporting or other personal consumer reports
- Credit reporting
|
- Problem with a company's investigation into an existing problem
- Was not notified of investigation status or results
|
|
Web |
|
|
|
| 01/03/2024 |
Yes |
- Credit reporting or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Account status incorrect
|
|
Web |
|
|
|
| 01/03/2024 |
Yes |
- Credit reporting or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Personal information incorrect
|
|
Web |
|
|
|
| 12/30/2023 |
Yes |
- Debt collection
- I do not know
|
- Attempts to collect debt not owed
- Debt was result of identity theft
|
|
Web |
|
|
|
| 12/29/2023 |
Yes |
- Credit reporting or other personal consumer reports
- Credit reporting
|
- Improper use of your report
- Reporting company used your report improperly
|
|
Web |
|
|
|
| 12/28/2023 |
Yes |
- Credit card
- General-purpose credit card or charge card
|
- Getting a credit card
- Card opened without my consent or knowledge
|
|
Web |
|
|
|
| 12/27/2023 |
Yes |
- Credit reporting or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Information belongs to someone else
|
|
Web |
|
|
|
| 12/25/2023 |
Yes |
- Credit reporting or other personal consumer reports
- Credit reporting
|
- Improper use of your report
- Reporting company used your report improperly
|
|
Web |
|
|
|
| 12/24/2023 |
Yes |
- Debt or credit management
- Debt settlement
|
- Charged upfront or unexpected fees
|
|
Web |
|
|
|
| 12/23/2023 |
Yes |
- Debt collection
- Credit card debt
|
- Took or threatened to take negative or legal action
- Threatened or suggested your credit would be damaged
|
|
Web |
|
|
|
| 12/22/2023 |
Yes |
- Debt collection
- I do not know
|
- Attempts to collect debt not owed
- Debt was result of identity theft
|
|
Web |
|
|
|
| 12/22/2023 |
Yes |
- Debt collection
- I do not know
|
- Written notification about debt
- Didn't receive enough information to verify debt
|
|
Web |
|
|
|
| 12/21/2023 |
Yes |
- Debt collection
- I do not know
|
- Written notification about debt
- Didn't receive enough information to verify debt
|
|
Web |
|
|
|
| 12/21/2023 |
Yes |
- Debt collection
- Credit card debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
|
| 12/19/2023 |
Yes |
- Debt collection
- I do not know
|
- Took or threatened to take negative or legal action
- Threatened or suggested your credit would be damaged
|
|
Web |
|
|
|
| 12/19/2023 |
Yes |
- Debt collection
- Credit card debt
|
- Written notification about debt
- Didn't receive enough information to verify debt
|
|
Web |
|
|
|
| 12/17/2023 |
Yes |
- Credit reporting or other personal consumer reports
- Credit reporting
|
- Credit monitoring or identity theft protection services
- Problem canceling credit monitoring or identify theft protection service
|
|
Web |
|
|
|
| 12/15/2023 |
Yes |
- Credit reporting or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Information belongs to someone else
|
|
Web |
|
|
|
| 12/14/2023 |
Yes |
- Credit reporting or other personal consumer reports
- Credit reporting
|
- Problem with a company's investigation into an existing problem
- Their investigation did not fix an error on your report
|
|
Web |
Servicemember |
|
|
| 12/09/2023 |
Yes |
- Payday loan, title loan, personal loan, or advance loan
- Installment loan
|
- Struggling to pay your loan
|
|
Web |
|
|
|
| 12/08/2023 |
Yes |
- Debt collection
- I do not know
|
- Written notification about debt
- Didn't receive enough information to verify debt
|
|
Web |
|
|
|
| 12/08/2023 |
Yes |
- Debt collection
- I do not know
|
- Written notification about debt
- Didn't receive notice of right to dispute
|
|
Web |
|
|
|
| 12/07/2023 |
Yes |
- Debt collection
- Credit card debt
|
- Written notification about debt
- Didn't receive enough information to verify debt
|
|
Web |
|
|
|
| 12/04/2023 |
Yes |
- Debt collection
- Credit card debt
|
- Written notification about debt
- Didn't receive enough information to verify debt
|
|
Web |
|
|
|
| 12/01/2023 |
Yes |
- Debt collection
- I do not know
|
- Communication tactics
- You told them to stop contacting you, but they keep trying
|
|
Web |
Servicemember |
|
|
| 11/30/2023 |
Yes |
- Debt collection
- Credit card debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
|
| 11/29/2023 |
Yes |
- Debt collection
- I do not know
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
|
| 11/28/2023 |
Yes |
- Debt collection
- I do not know
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
|
| 11/28/2023 |
Yes |
- Debt collection
- Credit card debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
|
| 11/27/2023 |
Yes |
- Debt collection
- I do not know
|
- Written notification about debt
- Didn't receive enough information to verify debt
|
|
Web |
|
|
|
| 11/27/2023 |
Yes |
- Credit reporting or other personal consumer reports
- Credit reporting
|
- Improper use of your report
- Reporting company used your report improperly
|
|
Web |
|
|
|
| 11/26/2023 |
Yes |
- Credit reporting or other personal consumer reports
- Credit reporting
|
- Problem with a company's investigation into an existing problem
- Their investigation did not fix an error on your report
|
|
Web |
|
|
|
| 11/24/2023 |
Yes |
- Debt collection
- I do not know
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
|
| 11/22/2023 |
Yes |
- Debt collection
- Credit card debt
|
- Took or threatened to take negative or legal action
- Sued you without properly notifying you of lawsuit
|
|
Web |
|
|
|
| 11/21/2023 |
Yes |
- Debt collection
- I do not know
|
- Written notification about debt
- Didn't receive enough information to verify debt
|
|
Web |
|
|
|
| 11/19/2023 |
Yes |
- Credit reporting or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Information belongs to someone else
|
|
Web |
|
|
|
| 11/17/2023 |
Yes |
- Credit reporting or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Information belongs to someone else
|
|
Web |
|
|
|
| 11/17/2023 |
Yes |
- Debt collection
- I do not know
|
- Threatened to contact someone or share information improperly
- Talked to a third-party about your debt
|
|
Web |
|
|
|
| 11/15/2023 |
Yes |
- Credit reporting or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Information belongs to someone else
|
|
Web |
|
|
|
| 11/14/2023 |
Yes |
- Debt collection
- Credit card debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
|
| 11/11/2023 |
Yes |
- Debt collection
- I do not know
|
- Written notification about debt
- Didn't receive enough information to verify debt
|
|
Web |
|
|
|
| 11/08/2023 |
Yes |
- Debt collection
- Credit card debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
|
| 11/08/2023 |
Yes |
- Debt collection
- I do not know
|
- Attempts to collect debt not owed
- Debt was result of identity theft
|
|
Web |
|
|
|
| 11/07/2023 |
Yes |
- Credit reporting or other personal consumer reports
- Credit reporting
|
- Problem with a company's investigation into an existing problem
- Their investigation did not fix an error on your report
|
|
Web |
Servicemember |
|
|
| 11/04/2023 |
Yes |
- Debt collection
- Credit card debt
|
- Written notification about debt
- Didn't receive enough information to verify debt
|
|
Web |
|
|
|
| 11/03/2023 |
Yes |
- Debt collection
- I do not know
|
- Threatened to contact someone or share information improperly
- Talked to a third-party about your debt
|
|
Web |
|
|
|
| 11/02/2023 |
Yes |
- Debt collection
- Credit card debt
|
- Threatened to contact someone or share information improperly
- Talked to a third-party about your debt
|
|
Web |
|
|
|
| 10/31/2023 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
Older American |
|
|
| 10/27/2023 |
Yes |
- Credit reporting or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Old information reappears or never goes away
|
|
Web |
|
|
|
| 10/26/2023 |
Yes |
- Debt collection
- I do not know
|
- Took or threatened to take negative or legal action
- Threatened or suggested your credit would be damaged
|
|
Web |
|
|
|
| 10/25/2023 |
Yes |
- Debt collection
- Credit card debt
|
- Written notification about debt
- Didn't receive notice of right to dispute
|
|
Web |
|
|
|
| 10/24/2023 |
Yes |
- Credit reporting or other personal consumer reports
- Credit reporting
|
- Improper use of your report
- Reporting company used your report improperly
|
|
Web |
|
|
|
| 10/23/2023 |
Yes |
- Credit reporting or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Information belongs to someone else
|
|
Web |
|
|
|
| 10/20/2023 |
Yes |
- Debt collection
- Credit card debt
|
- False statements or representation
- Attempted to collect wrong amount
|
|
Web |
|
|
|
| 10/19/2023 |
Yes |
- Debt collection
- I do not know
|
- Threatened to contact someone or share information improperly
- Talked to a third-party about your debt
|
|
Web |
|
|
|
| 10/18/2023 |
Yes |
- Credit reporting or other personal consumer reports
- Credit reporting
|
- Improper use of your report
- Credit inquiries on your report that you don't recognize
|
|
Web |
|
|
|
| 10/17/2023 |
Yes |
- Debt collection
- I do not know
|
- Took or threatened to take negative or legal action
- Threatened or suggested your credit would be damaged
|
|
Web |
|
|
|
| 10/15/2023 |
Yes |
- Debt collection
- Credit card debt
|
- Communication tactics
- Frequent or repeated calls
|
|
Web |
|
|
|
| 10/13/2023 |
Yes |
- Credit reporting or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Account information incorrect
|
|
Web |
|
|
|
| 10/13/2023 |
Yes |
- Credit reporting or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Account information incorrect
|
|
Web |
|
|
|
| 10/13/2023 |
Yes |
- Debt collection
- I do not know
|
- Took or threatened to take negative or legal action
- Sued you without properly notifying you of lawsuit
|
|
Referral |
|
|
|
| 10/10/2023 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt was result of identity theft
|
|
Phone |
|
|
|
| 10/09/2023 |
Yes |
- Debt collection
- I do not know
|
- Attempts to collect debt not owed
- Debt was result of identity theft
|
|
Web |
|
|
|
| 10/09/2023 |
Yes |
- Credit reporting or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Information belongs to someone else
|
|
Web |
|
|
|
| 10/08/2023 |
Yes |
- Debt collection
- I do not know
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
|
| 10/06/2023 |
Yes |
- Credit reporting or other personal consumer reports
- Credit reporting
|
- Problem with a company's investigation into an existing problem
- Problem with personal statement of dispute
|
|
Web |
|
|
|
| 10/03/2023 |
Yes |
- Credit reporting or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Account status incorrect
|
|
Phone |
|
|
|
| 10/02/2023 |
Yes |
- Debt collection
- I do not know
|
- Written notification about debt
- Didn't receive enough information to verify debt
|
|
Web |
Servicemember |
|
|
| 09/18/2023 |
Yes |
- Credit reporting or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Account status incorrect
|
|
Web |
|
|
|
| 09/17/2023 |
Yes |
- Debt collection
- Credit card debt
|
- Attempts to collect debt not owed
- Debt was paid
|
|
Web |
Servicemember |
|
|
| 09/16/2023 |
Yes |
- Credit reporting or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Personal information incorrect
|
|
Web |
|
|
|
| 09/14/2023 |
Yes |
- Debt collection
- I do not know
|
- Attempts to collect debt not owed
- Debt was result of identity theft
|
|
Web |
|
|
|
| 09/14/2023 |
Yes |
- Debt collection
- I do not know
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
|
| 09/13/2023 |
Yes |
- Debt collection
- I do not know
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
|
| 09/11/2023 |
Yes |
- Credit reporting or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Information belongs to someone else
|
|
Web |
|
|
|
| 09/11/2023 |
Yes |
- Debt collection
- Credit card debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
|
| 09/07/2023 |
Yes |
- Debt collection
- I do not know
|
- Written notification about debt
- Didn't receive enough information to verify debt
|
|
Referral |
|
|
|
| 09/02/2023 |
Yes |
- Credit reporting or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Public record information inaccurate
|
|
Web |
|
|
|
| 08/30/2023 |
Yes |
- Credit reporting or other personal consumer reports
- Credit reporting
|
- Improper use of your report
- Reporting company used your report improperly
|
|
Web |
|
|
|
| 08/20/2023 |
Yes |
- Debt collection
- I do not know
|
- Took or threatened to take negative or legal action
- Threatened or suggested your credit would be damaged
|
|
Web |
|
|
|
| 08/17/2023 |
Yes |
- Debt collection
- I do not know
|
- Attempts to collect debt not owed
- Debt was result of identity theft
|
|
Web |
|
|
|
| 08/16/2023 |
Yes |
- Debt collection
- Credit card debt
|
- Attempts to collect debt not owed
- Debt was paid
|
|
Web |
|
|
|
| 08/15/2023 |
Yes |
- Debt collection
- Credit card debt
|
- Written notification about debt
- Didn't receive enough information to verify debt
|
|
Web |
|
|
|
| 08/14/2023 |
Yes |
- Debt collection
- I do not know
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
|
| 08/13/2023 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Information belongs to someone else
|
|
Web |
|
|
|
| 08/12/2023 |
Yes |
- Debt collection
- Credit card debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
|
| 08/10/2023 |
Yes |
- Debt collection
- Credit card debt
|
- Threatened to contact someone or share information improperly
- Contacted you after you asked them to stop
|
|
Web |
|
|
|
| 08/09/2023 |
Yes |
- Debt collection
- Credit card debt
|
- Attempts to collect debt not owed
- Debt was paid
|
|
Web |
|
|
|
| 08/03/2023 |
Yes |
- Debt collection
- Credit card debt
|
- Attempts to collect debt not owed
- Debt was paid
|
|
Web |
|
|
|
| 08/02/2023 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Account status incorrect
|
|
Web |
|
|
|
| 08/01/2023 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Improper use of your report
- Reporting company used your report improperly
|
|
Web |
|
|
|
| 07/31/2023 |
Yes |
- Debt collection
- Credit card debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
|
| 07/28/2023 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Improper use of your report
- Reporting company used your report improperly
|
|
Web |
|
|
|
| 07/26/2023 |
No |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Improper use of your report
- Credit inquiries on your report that you don't recognize
|
|
Web |
Servicemember |
|
|
| 07/25/2023 |
Yes |
- Debt collection
- I do not know
|
- False statements or representation
- Attempted to collect wrong amount
|
|
Web |
|
|
|
| 07/24/2023 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Information belongs to someone else
|
|
Web |
|
|
|
| 07/20/2023 |
Yes |
- Debt collection
- Credit card debt
|
- Communication tactics
- You told them to stop contacting you, but they keep trying
|
|
Web |
|
|
|
| 07/20/2023 |
Yes |
- Debt collection
- Credit card debt
|
- Communication tactics
- Frequent or repeated calls
|
|
Web |
|
|
|
| 07/19/2023 |
Yes |
- Debt collection
- I do not know
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
|
| 07/18/2023 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Improper use of your report
- Reporting company used your report improperly
|
|
Web |
|
|
|
| 07/14/2023 |
Yes |
- Debt collection
- Credit card debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
|
| 07/14/2023 |
Yes |
- Debt collection
- I do not know
|
- Threatened to contact someone or share information improperly
- Talked to a third-party about your debt
|
|
Web |
|
|
|
| 07/13/2023 |
Yes |
- Payday loan, title loan, or personal loan
- Installment loan
|
- Struggling to pay your loan
|
|
Web |
|
|
|
| 07/12/2023 |
Yes |
- Debt collection
- Credit card debt
|
- Communication tactics
- Frequent or repeated calls
|
|
Web |
|
|
|
| 07/12/2023 |
Yes |
- Debt collection
- Other debt
|
- Written notification about debt
- Didn't receive enough information to verify debt
|
|
Web |
|
|
|
| 07/11/2023 |
Yes |
- Debt collection
- I do not know
|
- Attempts to collect debt not owed
- Debt was result of identity theft
|
|
Web |
|
|
|
| 07/10/2023 |
Yes |
- Debt collection
- I do not know
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
|
| 07/07/2023 |
Yes |
- Debt collection
- Credit card debt
|
- Attempts to collect debt not owed
- Debt was result of identity theft
|
|
Web |
|
|
|
| 07/05/2023 |
Yes |
- Debt collection
- I do not know
|
- Attempts to collect debt not owed
- Debt was paid
|
|
Web |
|
|
|
| 07/04/2023 |
Yes |
- Debt collection
- I do not know
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
|
| 06/30/2023 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Account status incorrect
|
|
Web |
|
|
|
| 06/29/2023 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Improper use of your report
- Reporting company used your report improperly
|
|
Web |
|
|
|
| 06/28/2023 |
Yes |
- Debt collection
- Payday loan debt
|
- Took or threatened to take negative or legal action
- Threatened to sue you for very old debt
|
|
Phone |
|
|
|
| 06/28/2023 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Improper use of your report
- Reporting company used your report improperly
|
|
Web |
|
|
|
| 06/22/2023 |
Yes |
- Debt collection
- Auto debt
|
- Attempts to collect debt not owed
- Debt was result of identity theft
|
|
Web |
|
|
|
| 06/18/2023 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Account information incorrect
|
|
Web |
|
|
|
| 06/15/2023 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt was result of identity theft
|
|
Web |
|
|
|
| 06/15/2023 |
Yes |
- Debt collection
- Credit card debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
|
| 06/14/2023 |
Yes |
- Debt collection
- I do not know
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
|
| 06/14/2023 |
Yes |
- Debt collection
- Credit card debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
Servicemember |
|
|
| 06/13/2023 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Improper use of your report
- Credit inquiries on your report that you don't recognize
|
|
Web |
|
|
|
| 06/08/2023 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
|
| 06/07/2023 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Improper use of your report
- Reporting company used your report improperly
|
|
Web |
|
|
|
| 06/06/2023 |
Yes |
- Debt collection
- I do not know
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
|
| 06/05/2023 |
Yes |
- Debt collection
- Credit card debt
|
- False statements or representation
- Attempted to collect wrong amount
|
|
Web |
|
|
|
| 06/02/2023 |
Yes |
- Debt collection
- Credit card debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
|
| 06/02/2023 |
Yes |
- Debt collection
- Credit card debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
|
| 05/31/2023 |
Yes |
- Debt collection
- I do not know
|
- Took or threatened to take negative or legal action
- Threatened or suggested your credit would be damaged
|
|
Web |
|
|
|
| 05/30/2023 |
Yes |
- Debt collection
- Other debt
|
- Threatened to contact someone or share information improperly
- Talked to a third-party about your debt
|
|
Phone |
|
|
|
| 05/30/2023 |
Yes |
- Debt collection
- Payday loan debt
|
- Attempts to collect debt not owed
- Debt was result of identity theft
|
|
Web |
|
|
|
| 05/29/2023 |
Yes |
- Debt collection
- Credit card debt
|
- Attempts to collect debt not owed
- Debt was paid
|
|
Web |
|
|
|
| 05/28/2023 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Information belongs to someone else
|
|
Web |
|
|
|
| 05/23/2023 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt was paid
|
|
Web |
|
|
|
| 05/23/2023 |
Yes |
- Debt collection
- Other debt
|
- Took or threatened to take negative or legal action
- Threatened or suggested your credit would be damaged
|
|
Web |
|
|
|
| 05/22/2023 |
Yes |
- Debt collection
- Credit card debt
|
- Written notification about debt
- Didn't receive enough information to verify debt
|
|
Web |
|
|
|
| 05/21/2023 |
Yes |
- Debt collection
- I do not know
|
- Took or threatened to take negative or legal action
- Sued you without properly notifying you of lawsuit
|
|
Web |
|
|
|
| 05/21/2023 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Improper use of your report
- Reporting company used your report improperly
|
|
Web |
Servicemember |
|
|
| 05/19/2023 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Information belongs to someone else
|
|
Web |
|
|
|
| 05/16/2023 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt was result of identity theft
|
|
Web |
|
|
|
| 05/16/2023 |
Yes |
- Debt collection
- Credit card debt
|
- Written notification about debt
- Didn't receive notice of right to dispute
|
|
Web |
|
|
|
| 05/15/2023 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Information belongs to someone else
|
|
Web |
|
|
|
| 05/12/2023 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Improper use of your report
- Reporting company used your report improperly
|
|
Web |
|
|
|
| 05/10/2023 |
Yes |
- Debt collection
- I do not know
|
- Communication tactics
- Frequent or repeated calls
|
|
Referral |
|
|
|
| 05/06/2023 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Account information incorrect
|
|
Web |
|
|
|
| 04/29/2023 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Account information incorrect
|
|
Web |
|
|
|
| 04/27/2023 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Improper use of your report
- Reporting company used your report improperly
|
|
Web |
Servicemember |
|
|
| 04/23/2023 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Account status incorrect
|
|
Web |
|
|
|
| 04/22/2023 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Information belongs to someone else
|
|
Web |
|
|
|
| 04/20/2023 |
Yes |
- Debt collection
- I do not know
|
- Threatened to contact someone or share information improperly
- Contacted your employer
|
|
Web |
|
|
|
| 04/20/2023 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Information belongs to someone else
|
|
Phone |
|
|
|
| 04/18/2023 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Information belongs to someone else
|
|
Web |
|
|
|
| 04/14/2023 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Problem with a credit reporting company's investigation into an existing problem
- Their investigation did not fix an error on your report
|
|
Web |
|
|
|
| 04/11/2023 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Problem with a credit reporting company's investigation into an existing problem
- Investigation took more than 30 days
|
|
Web |
|
|
|
| 04/11/2023 |
Yes |
- Debt collection
- Credit card debt
|
- Threatened to contact someone or share information improperly
- Contacted you after you asked them to stop
|
|
Web |
|
|
|
| 04/10/2023 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Account information incorrect
|
|
Web |
Servicemember |
|
|
| 04/04/2023 |
Yes |
- Debt collection
- I do not know
|
- Written notification about debt
- Didn't receive enough information to verify debt
|
|
Web |
|
|
|
| 03/30/2023 |
Yes |
- Debt collection
- Credit card debt
|
- Written notification about debt
- Didn't receive enough information to verify debt
|
|
Web |
|
|
|
| 03/29/2023 |
Yes |
- Debt collection
- Credit card debt
|
- Attempts to collect debt not owed
- Debt was result of identity theft
|
|
Web |
|
|
|
| 03/29/2023 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Account information incorrect
|
|
Web |
|
|
|
| 03/28/2023 |
Yes |
- Debt collection
- I do not know
|
- Attempts to collect debt not owed
- Debt was result of identity theft
|
|
Web |
|
|
|
| 03/20/2023 |
Yes |
- Debt collection
- Credit card debt
|
- Attempts to collect debt not owed
- Debt was result of identity theft
|
|
Web |
Servicemember |
|
|
| 03/16/2023 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Improper use of your report
- Reporting company used your report improperly
|
|
Web |
|
|
|
| 03/13/2023 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Improper use of your report
- Reporting company used your report improperly
|
|
Web |
|
|
|
| 03/12/2023 |
Yes |
- Debt collection
- Credit card debt
|
- Attempts to collect debt not owed
- Debt was result of identity theft
|
|
Web |
|
|
|
| 03/12/2023 |
Yes |
- Debt collection
- Credit card debt
|
- Attempts to collect debt not owed
- Debt was paid
|
|
Web |
|
|
|
| 03/12/2023 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Problem with a credit reporting company's investigation into an existing problem
- Their investigation did not fix an error on your report
|
|
Web |
|
|
|
| 03/10/2023 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Improper use of your report
- Reporting company used your report improperly
|
|
Web |
|
|
|
| 03/08/2023 |
Yes |
- Debt collection
- I do not know
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
|
| 03/07/2023 |
Yes |
- Debt collection
- Other debt
|
- Written notification about debt
- Didn't receive enough information to verify debt
|
|
Web |
|
|
|
| 03/06/2023 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
|
- Incorrect information on your report
- Account information incorrect
|
|
Web |
|
|
|
| 03/06/2023 |
Yes |
- Debt collection
- I do not know
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
|
| 03/06/2023 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Improper use of your report
- Reporting company used your report improperly
|
|
Web |
Servicemember |
|
|
| 03/03/2023 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Problem with a credit reporting company's investigation into an existing problem
- Their investigation did not fix an error on your report
|
|
Web |
|
|
|
| 03/03/2023 |
Yes |
- Debt collection
- Credit card debt
|
- Took or threatened to take negative or legal action
- Threatened to sue you for very old debt
|
|
Web |
|
|
|
| 03/01/2023 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Information belongs to someone else
|
|
Web |
|
|
|
| 02/27/2023 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt was result of identity theft
|
|
Referral |
|
|
|
| 02/24/2023 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Improper use of your report
- Reporting company used your report improperly
|
|
Web |
|
|
|
| 02/23/2023 |
Yes |
- Debt collection
- Other debt
|
- Written notification about debt
- Didn't receive notice of right to dispute
|
|
Web |
|
|
|
| 02/20/2023 |
Yes |
- Debt collection
- Credit card debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
|
| 02/19/2023 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Improper use of your report
- Reporting company used your report improperly
|
|
Web |
|
|
|
| 02/15/2023 |
Yes |
- Debt collection
- Credit card debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
|
| 02/08/2023 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Improper use of your report
- Reporting company used your report improperly
|
|
Web |
|
|
|
| 02/08/2023 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
|
- Getting a credit card
- Card opened as result of identity theft or fraud
|
|
Web |
|
|
|
| 02/07/2023 |
Yes |
- Debt collection
- I do not know
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
|
| 02/04/2023 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Account information incorrect
|
|
Web |
|
|
|
| 02/04/2023 |
Yes |
- Debt collection
- I do not know
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
|
| 02/02/2023 |
Yes |
- Payday loan, title loan, or personal loan
- Installment loan
|
- Struggling to pay your loan
|
|
Referral |
|
|
|
| 01/31/2023 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Problem with a credit reporting company's investigation into an existing problem
- Was not notified of investigation status or results
|
|
Web |
|
|
|
| 01/20/2023 |
Yes |
- Debt collection
- Credit card debt
|
- Took or threatened to take negative or legal action
- Threatened or suggested your credit would be damaged
|
|
Web |
|
|
|
| 01/17/2023 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Information belongs to someone else
|
|
Web |
|
|
|
| 01/13/2023 |
Yes |
- Debt collection
- Other debt
|
- Written notification about debt
- Didn't receive notice of right to dispute
|
|
Web |
|
|
|
| 01/11/2023 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
|
- Problem with a purchase shown on your statement
- Card was charged for something you did not purchase with the card
|
|
Web |
|
|
|
| 01/10/2023 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Improper use of your report
- Reporting company used your report improperly
|
|
Web |
|
|
|
| 01/10/2023 |
Yes |
- Debt collection
- I do not know
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
|
| 01/03/2023 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
|
| 01/03/2023 |
Yes |
- Debt collection
- Credit card debt
|
- Took or threatened to take negative or legal action
- Threatened or suggested your credit would be damaged
|
|
Web |
|
|
|
| 12/31/2022 |
Yes |
- Debt collection
- Credit card debt
|
- Written notification about debt
- Didn't receive enough information to verify debt
|
|
Web |
|
|
|
| 12/26/2022 |
Yes |
- Debt collection
- Credit card debt
|
- Attempts to collect debt not owed
- Debt was result of identity theft
|
|
Web |
|
|
|
| 12/14/2022 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Problem with a credit reporting company's investigation into an existing problem
- Their investigation did not fix an error on your report
|
|
Web |
|
|
|
| 12/12/2022 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Account status incorrect
|
|
Web |
|
|
|
| 12/09/2022 |
Yes |
- Debt collection
- I do not know
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
|
| 12/02/2022 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Information belongs to someone else
|
|
Web |
|
|
|
| 12/01/2022 |
Yes |
- Debt collection
- Credit card debt
|
- Written notification about debt
- Didn't receive notice of right to dispute
|
|
Web |
|
|
|
| 11/29/2022 |
Yes |
- Debt collection
- I do not know
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
Servicemember |
|
|
| 11/28/2022 |
Yes |
- Debt collection
- Credit card debt
|
- False statements or representation
- Attempted to collect wrong amount
|
|
Web |
|
|
|
| 11/27/2022 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Problem with a credit reporting company's investigation into an existing problem
- Problem with personal statement of dispute
|
|
Web |
|
|
|
| 11/25/2022 |
Yes |
- Debt collection
- Credit card debt
|
- Attempts to collect debt not owed
- Debt was paid
|
|
Web |
|
|
|
| 11/12/2022 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Improper use of your report
- Credit inquiries on your report that you don't recognize
|
|
Web |
|
|
|
| 11/11/2022 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Information belongs to someone else
|
|
Web |
|
|
|
| 11/03/2022 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Information belongs to someone else
|
|
Web |
|
|
|
| 10/31/2022 |
Yes |
- Debt collection
- Credit card debt
|
- Attempts to collect debt not owed
- Debt was result of identity theft
|
|
Web |
|
|
|
| 10/31/2022 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Improper use of your report
- Reporting company used your report improperly
|
|
Web |
|
|
|
| 10/28/2022 |
Yes |
- Debt collection
- Credit card debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
Servicemember |
|
|
| 10/27/2022 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
|
| 10/26/2022 |
Yes |
- Debt collection
- Credit card debt
|
- Attempts to collect debt not owed
- Debt was result of identity theft
|
|
Web |
|
|
|
| 10/24/2022 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Problem with a credit reporting company's investigation into an existing problem
- Investigation took more than 30 days
|
|
Web |
|
|
|
| 10/19/2022 |
Yes |
- Debt collection
- I do not know
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
|
| 10/17/2022 |
Yes |
- Debt collection
- I do not know
|
- Attempts to collect debt not owed
- Debt was result of identity theft
|
|
Web |
Servicemember |
|
|
| 10/14/2022 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Information belongs to someone else
|
|
Web |
Older American, Servicemember |
|
|
| 10/12/2022 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Account status incorrect
|
|
Web |
|
|
|
| 10/09/2022 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Information belongs to someone else
|
|
Web |
|
|
|
| 10/03/2022 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Information belongs to someone else
|
|
Web |
|
|
|
| 09/22/2022 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
|
| 09/20/2022 |
Yes |
- Debt collection
- I do not know
|
- Written notification about debt
- Didn't receive enough information to verify debt
|
|
Web |
|
|
|
| 09/16/2022 |
Yes |
- Debt collection
- Other debt
|
- Written notification about debt
- Didn't receive notice of right to dispute
|
|
Web |
|
|
|
| 09/14/2022 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
|
| 09/12/2022 |
Yes |
- Debt collection
- Other debt
|
- False statements or representation
- Attempted to collect wrong amount
|
|
Web |
|
|
|
| 09/12/2022 |
Yes |
- Debt collection
- Credit card debt
|
- False statements or representation
- Attempted to collect wrong amount
|
|
Web |
|
|
|
| 09/12/2022 |
Yes |
- Debt collection
- Credit card debt
|
- Attempts to collect debt not owed
- Debt was result of identity theft
|
|
Web |
|
|
|
| 09/09/2022 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Account status incorrect
|
|
Web |
|
|
|
| 09/05/2022 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Improper use of your report
- Reporting company used your report improperly
|
|
Web |
|
|
|
| 09/05/2022 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Improper use of your report
- Reporting company used your report improperly
|
|
Web |
|
|
|
| 09/03/2022 |
Yes |
- Debt collection
- Credit card debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
|
| 09/02/2022 |
Yes |
- Debt collection
- I do not know
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
|
| 08/31/2022 |
Yes |
- Debt collection
- Credit card debt
|
- Took or threatened to take negative or legal action
- Threatened or suggested your credit would be damaged
|
|
Web |
|
|
|
| 08/30/2022 |
Yes |
- Debt collection
- I do not know
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
|
| 08/29/2022 |
Yes |
- Debt collection
- I do not know
|
- Written notification about debt
- Didn't receive notice of right to dispute
|
|
Web |
|
|
|
| 08/29/2022 |
Yes |
- Debt collection
- Credit card debt
|
- Written notification about debt
- Didn't receive enough information to verify debt
|
|
Web |
|
|
|
| 08/24/2022 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Problem with a credit reporting company's investigation into an existing problem
- Investigation took more than 30 days
|
|
Web |
|
|
|
| 08/17/2022 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt was result of identity theft
|
|
Web |
|
|
|
| 08/17/2022 |
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
|
|
Web |
|
|
|
| 08/09/2022 |
Yes |
- Debt collection
- Credit card debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
|
| 07/25/2022 |
Yes |
- Debt collection
- Credit card debt
|
- Attempts to collect debt not owed
- Debt was paid
|
|
Web |
|
|
|
| 07/20/2022 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Account information incorrect
|
|
Web |
|
|
|
| 07/15/2022 |
Yes |
- Debt collection
- I do not know
|
- Written notification about debt
- Didn't receive enough information to verify debt
|
|
Web |
|
|
|
| 07/13/2022 |
Yes |
- Debt collection
- Credit card debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
|
| 07/06/2022 |
Yes |
- Debt collection
- Credit card debt
|
- Attempts to collect debt not owed
- Debt was result of identity theft
|
|
Web |
|
|
|
| 07/06/2022 |
Yes |
- Debt collection
- Credit card debt
|
- Written notification about debt
- Didn't receive enough information to verify debt
|
|
Postal mail |
|
|
|
| 07/04/2022 |
Yes |
- Debt collection
- Credit card debt
|
- Attempts to collect debt not owed
- Debt was paid
|
|
Web |
|
|
|
| 06/28/2022 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Problem with a credit reporting company's investigation into an existing problem
- Problem with personal statement of dispute
|
|
Web |
|
|
|
| 06/27/2022 |
Yes |
- Debt collection
- I do not know
|
- Attempts to collect debt not owed
- Debt was result of identity theft
|
|
Web |
|
|
|
| 06/25/2022 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Information belongs to someone else
|
|
Web |
|
|
|
| 06/22/2022 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Information belongs to someone else
|
|
Web |
|
|
|
| 06/21/2022 |
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
|
|
Web |
Servicemember |
|
|
| 06/17/2022 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Information belongs to someone else
|
|
Web |
|
|
|
| 06/10/2022 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Improper use of your report
- Reporting company used your report improperly
|
|
Web |
|
|
|
| 06/09/2022 |
Yes |
- Debt collection
- Credit card debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
|
| 06/09/2022 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt was paid
|
|
Web |
|
|
|
| 06/06/2022 |
Yes |
- Debt collection
- Other debt
|
- Written notification about debt
- Didn't receive enough information to verify debt
|
|
Web |
|
|
|
| 06/02/2022 |
Yes |
- Debt collection
- Credit card debt
|
- Attempts to collect debt not owed
- Debt was result of identity theft
|
|
Web |
|
|
|
| 06/02/2022 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Improper use of your report
- Reporting company used your report improperly
|
|
Web |
Servicemember |
|
|
| 05/31/2022 |
Yes |
- Debt collection
- Credit card debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
|
| 05/25/2022 |
Yes |
- Debt collection
- Credit card debt
|
- Attempts to collect debt not owed
- Debt was paid
|
|
Web |
|
|
|
| 05/24/2022 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Problem with a credit reporting company's investigation into an existing problem
- Their investigation did not fix an error on your report
|
|
Web |
|
|
|
| 05/24/2022 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Problem with a credit reporting company's investigation into an existing problem
- Their investigation did not fix an error on your report
|
|
Web |
|
|
|
| 05/24/2022 |
Yes |
- Debt collection
- Payday loan debt
|
- Attempts to collect debt not owed
- Debt was result of identity theft
|
|
Web |
|
|
|
| 05/21/2022 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Account status incorrect
|
|
Web |
Servicemember |
|
|
| 05/20/2022 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt was result of identity theft
|
|
Web |
|
|
|
| 05/20/2022 |
Yes |
- Debt collection
- Credit card debt
|
- Attempts to collect debt not owed
- Debt was result of identity theft
|
|
Web |
|
|
|
| 05/19/2022 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Improper use of your report
- Reporting company used your report improperly
|
|
Web |
|
|
|
| 05/12/2022 |
Yes |
- Debt collection
- Credit card debt
|
- Communication tactics
- You told them to stop contacting you, but they keep trying
|
- UNITED STATES MINOR OUTLYING ISLANDS
- 89431
|
Phone |
|
|
|
| 05/03/2022 |
Yes |
- Debt collection
- Credit card debt
|
- Attempts to collect debt not owed
- Debt was result of identity theft
|
|
Web |
|
|
|
| 05/02/2022 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
|
| 04/30/2022 |
Yes |
- Debt collection
- I do not know
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
|
| 04/29/2022 |
Yes |
- Debt collection
- Credit card debt
|
- Attempts to collect debt not owed
- Debt was result of identity theft
|
|
Web |
|
|
|
| 04/28/2022 |
Yes |
- Debt collection
- Credit card debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
|
| 04/27/2022 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Information belongs to someone else
|
|
Web |
|
|
|
| 04/25/2022 |
Yes |
- Debt collection
- I do not know
|
- Took or threatened to take negative or legal action
- Threatened to sue you for very old debt
|
|
Web |
|
|
|
| 04/14/2022 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Problem with a credit reporting company's investigation into an existing problem
- Their investigation did not fix an error on your report
|
|
Web |
|
|
|
| 04/13/2022 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Account information incorrect
|
|
Web |
|
|
|
| 04/12/2022 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Problem with a credit reporting company's investigation into an existing problem
- Was not notified of investigation status or results
|
|
Web |
|
|
|
| 04/09/2022 |
Yes |
- Debt collection
- Credit card debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
|
| 04/07/2022 |
Yes |
- Debt collection
- I do not know
|
- Took or threatened to take negative or legal action
- Threatened or suggested your credit would be damaged
|
|
Web |
|
|
|
| 03/30/2022 |
Yes |
- Debt collection
- I do not know
|
- Attempts to collect debt not owed
- Debt was result of identity theft
|
|
Web |
|
|
|
| 03/24/2022 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Information belongs to someone else
|
|
Web |
|
|
|
| 03/23/2022 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
|
| 03/22/2022 |
Yes |
- Debt collection
- I do not know
|
- Attempts to collect debt not owed
- Debt was result of identity theft
|
|
Web |
Older American |
|
|
| 03/17/2022 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Problem with a credit reporting company's investigation into an existing problem
- Difficulty submitting a dispute or getting information about a dispute over the phone
|
|
Web |
|
|
|
| 03/15/2022 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Improper use of your report
- Reporting company used your report improperly
|
|
Web |
|
|
|
| 03/09/2022 |
Yes |
- Debt collection
- Credit card debt
|
- Took or threatened to take negative or legal action
- Threatened to arrest you or take you to jail if you do not pay
|
|
Web |
|
|
|
| 03/04/2022 |
Yes |
- Debt collection
- Credit card debt
|
- Attempts to collect debt not owed
- Debt was result of identity theft
|
|
Web |
|
|
|
| 03/03/2022 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Information belongs to someone else
|
|
Web |
|
|
|
| 02/27/2022 |
Yes |
- Debt collection
- Other debt
|
- Written notification about debt
- Didn't receive notice of right to dispute
|
|
Web |
|
|
|
| 02/25/2022 |
Yes |
- Debt collection
- I do not know
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
|
| 02/24/2022 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt was paid
|
|
Web |
|
|
|
| 02/17/2022 |
Yes |
- Debt collection
- Payday loan debt
|
- Threatened to contact someone or share information improperly
- Contacted you after you asked them to stop
|
|
Web |
|
|
|
| 02/09/2022 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
|
| 02/08/2022 |
Yes |
- Debt collection
- I do not know
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Phone |
|
|
|
| 02/07/2022 |
Yes |
- Payday loan, title loan, or personal loan
- Installment loan
|
- Struggling to pay your loan
|
|
Web |
|
|
|
| 02/07/2022 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
|
| 02/03/2022 |
Yes |
- Debt collection
- I do not know
|
- False statements or representation
- Attempted to collect wrong amount
|
|
Web |
|
|
|
| 02/01/2022 |
Yes |
- Debt collection
- I do not know
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Phone |
Older American |
|
|
| 01/31/2022 |
Yes |
- Debt collection
- I do not know
|
- Written notification about debt
- Didn't receive enough information to verify debt
|
|
Web |
|
|
|
| 01/19/2022 |
No |
- Debt collection
- Credit card debt
|
- Communication tactics
- Frequent or repeated calls
|
|
Web |
|
|
|
| 01/12/2022 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Information belongs to someone else
|
|
Phone |
|
|
|
| 12/28/2021 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Problem with a credit reporting company's investigation into an existing problem
- Investigation took more than 30 days
|
|
Web |
|
|
|
| 12/06/2021 |
Yes |
- Debt collection
- Other debt
|
- Written notification about debt
- Didn't receive notice of right to dispute
|
|
Phone |
|
|
|
| 12/05/2021 |
Yes |
- Debt collection
- Credit card debt
|
- Took or threatened to take negative or legal action
- Threatened to sue you for very old debt
|
|
Web |
Older American |
|
|
| 11/29/2021 |
Yes |
- Debt collection
- Payday loan debt
|
- Attempts to collect debt not owed
- Debt was paid
|
|
Web |
|
|
|
| 11/24/2021 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Information belongs to someone else
|
|
Web |
|
|
|
| 11/12/2021 |
Yes |
- Debt collection
- Credit card debt
|
- Attempts to collect debt not owed
- Debt was result of identity theft
|
|
Web |
|
|
|
| 11/08/2021 |
Yes |
- Debt collection
- I do not know
|
- Written notification about debt
- Didn't receive enough information to verify debt
|
|
Web |
|
|
|
| 10/25/2021 |
Yes |
- Debt collection
- Other debt
|
- Written notification about debt
- Didn't receive notice of right to dispute
|
|
Web |
|
|
|
| 10/21/2021 |
Yes |
- Debt collection
- I do not know
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
|
| 10/21/2021 |
Yes |
- Debt collection
- I do not know
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
|
| 10/12/2021 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Unable to get your credit report or credit score
- Other problem getting your report or credit score
|
|
Web |
|
|
|
| 10/12/2021 |
Yes |
- Debt collection
- Credit card debt
|
- Took or threatened to take negative or legal action
- Threatened or suggested your credit would be damaged
|
|
Web |
|
|
|
| 10/05/2021 |
Yes |
- Debt collection
- I do not know
|
- Written notification about debt
- Didn't receive enough information to verify debt
|
|
Web |
|
|
|
| 10/05/2021 |
Yes |
- Debt collection
- I do not know
|
- Written notification about debt
- Didn't receive enough information to verify debt
|
|
Web |
|
|
|
| 09/28/2021 |
Yes |
- Debt collection
- Credit card debt
|
- Written notification about debt
- Didn't receive notice of right to dispute
|
|
Web |
|
|
|
| 09/28/2021 |
Yes |
- Debt collection
- I do not know
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
|
| 09/27/2021 |
Yes |
- Debt collection
- I do not know
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Phone |
|
|
|
| 09/26/2021 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Problem with a credit reporting company's investigation into an existing problem
- Investigation took more than 30 days
|
|
Web |
|
|
|
| 09/21/2021 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
|
| 09/13/2021 |
Yes |
- Debt collection
- I do not know
|
- Written notification about debt
- Didn't receive enough information to verify debt
|
|
Referral |
|
|
|
| 09/13/2021 |
Yes |
- Debt collection
- Credit card debt
|
- Attempts to collect debt not owed
- Debt was result of identity theft
|
|
Web |
Servicemember |
|
|
| 09/06/2021 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Problem with a credit reporting company's investigation into an existing problem
- Investigation took more than 30 days
|
|
Web |
|
|
|
| 09/05/2021 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Problem with a credit reporting company's investigation into an existing problem
- Investigation took more than 30 days
|
|
Web |
|
|
|
| 08/31/2021 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Account status incorrect
|
|
Web |
|
|
|
| 08/26/2021 |
Yes |
- Debt collection
- Credit card debt
|
- Written notification about debt
- Didn't receive enough information to verify debt
|
|
Web |
|
|
|
| 08/24/2021 |
Yes |
- Debt collection
- I do not know
|
- Took or threatened to take negative or legal action
- Threatened or suggested your credit would be damaged
|
|
Web |
|
|
|
| 08/17/2021 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Account information incorrect
|
|
Web |
|
|
|
| 08/13/2021 |
Yes |
- Debt collection
- Credit card debt
|
- Written notification about debt
- Didn't receive enough information to verify debt
|
|
Web |
|
|
|
| 08/04/2021 |
Yes |
- Debt collection
- I do not know
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
|
| 08/03/2021 |
Yes |
- Debt collection
- Credit card debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
|
| 08/02/2021 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Problem with a credit reporting company's investigation into an existing problem
- Their investigation did not fix an error on your report
|
|
Web |
|
|
|
| 08/01/2021 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Information belongs to someone else
|
|
Web |
|
|
|
| 07/28/2021 |
Yes |
- Debt collection
- Credit card debt
|
- Attempts to collect debt not owed
- Debt was result of identity theft
|
|
Web |
|
|
|
| 07/22/2021 |
Yes |
- Debt collection
- I do not know
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
|
| 07/20/2021 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Problem with a credit reporting company's investigation into an existing problem
- Their investigation did not fix an error on your report
|
|
Web |
|
|
|
| 07/19/2021 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt was result of identity theft
|
|
Web |
|
|
|
| 07/15/2021 |
Yes |
- Debt collection
- I do not know
|
- Attempts to collect debt not owed
- Debt was result of identity theft
|
|
Web |
|
|
|
| 07/14/2021 |
Yes |
- Debt collection
- I do not know
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
|
| 07/09/2021 |
Yes |
- Debt collection
- Credit card debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
|
| 07/08/2021 |
Yes |
- Debt collection
- Credit card debt
|
- Written notification about debt
- Didn't receive enough information to verify debt
|
|
Web |
|
|
|
| 06/29/2021 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
|
| 06/29/2021 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt was paid
|
|
Web |
|
|
|
| 06/21/2021 |
Yes |
- Debt collection
- Credit card debt
|
- Written notification about debt
- Didn't receive enough information to verify debt
|
|
Web |
|
|
|
| 06/11/2021 |
Yes |
- Debt collection
- I do not know
|
- Attempts to collect debt not owed
- Debt was result of identity theft
|
|
Web |
|
|
|
| 06/02/2021 |
Yes |
- Debt collection
- I do not know
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
|
| 05/25/2021 |
Yes |
- Debt collection
- Payday loan debt
|
- Attempts to collect debt not owed
- Debt was result of identity theft
|
|
Web |
|
|
|
| 05/19/2021 |
Yes |
- Debt collection
- Credit card debt
|
- Written notification about debt
- Didn't receive notice of right to dispute
|
|
Web |
|
|
|
| 05/17/2021 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Information belongs to someone else
|
|
Web |
|
|
|
| 05/11/2021 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Information belongs to someone else
|
|
Web |
|
|
|
| 05/10/2021 |
Yes |
- Debt collection
- Credit card debt
|
- Written notification about debt
- Didn't receive enough information to verify debt
|
|
Web |
|
|
|
| 05/04/2021 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt was result of identity theft
|
|
Web |
|
|
|
| 04/30/2021 |
Yes |
- Debt collection
- Credit card debt
|
- Written notification about debt
- Didn't receive enough information to verify debt
|
|
Web |
|
|
|
| 04/30/2021 |
Yes |
- Debt collection
- Credit card debt
|
- Attempts to collect debt not owed
- Debt was paid
|
|
Web |
|
|
|
| 04/27/2021 |
Yes |
- Debt collection
- I do not know
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
|
| 04/25/2021 |
Yes |
- Debt collection
- Credit card debt
|
- Attempts to collect debt not owed
- Debt was result of identity theft
|
|
Web |
|
|
|
| 04/21/2021 |
Yes |
- Debt collection
- I do not know
|
- Attempts to collect debt not owed
- Debt was result of identity theft
|
|
Web |
|
|
|
| 04/17/2021 |
Yes |
- Debt collection
- I do not know
|
- False statements or representation
- Attempted to collect wrong amount
|
|
Web |
|
|
|
| 03/31/2021 |
Yes |
- Debt collection
- Credit card debt
|
- Written notification about debt
- Didn't receive enough information to verify debt
|
|
Web |
|
|
|
| 03/28/2021 |
Yes |
- Debt collection
- Credit card debt
|
- Written notification about debt
- Didn't receive enough information to verify debt
|
|
Web |
Servicemember |
|
|
| 03/25/2021 |
Yes |
- Debt collection
- Other debt
|
- Written notification about debt
- Didn't receive enough information to verify debt
|
|
Referral |
|
|
|
| 03/21/2021 |
Yes |
- Debt collection
- I do not know
|
- Written notification about debt
- Didn't receive notice of right to dispute
|
|
Web |
|
|
|
| 03/10/2021 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Problem with a credit reporting company's investigation into an existing problem
- Investigation took more than 30 days
|
|
Web |
|
|
|
| 03/10/2021 |
Yes |
- Debt collection
- I do not know
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
Servicemember |
|
|
| 03/04/2021 |
Yes |
- Debt collection
- Credit card debt
|
- Attempts to collect debt not owed
- Debt was paid
|
|
Web |
|
|
|
| 03/03/2021 |
Yes |
- Debt collection
- Other debt
|
- Took or threatened to take negative or legal action
- Sued you without properly notifying you of lawsuit
|
|
Referral |
|
|
|
| 03/03/2021 |
Yes |
- Debt collection
- I do not know
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Referral |
|
|
|
| 03/03/2021 |
Yes |
- Debt collection
- I do not know
|
- Written notification about debt
- Didn't receive enough information to verify debt
|
|
Referral |
|
|
|
| 02/13/2021 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Information belongs to someone else
|
|
Web |
|
|
|
| 02/12/2021 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Information belongs to someone else
|
|
Web |
|
|
|
| 02/11/2021 |
Yes |
- Debt collection
- Credit card debt
|
- Attempts to collect debt not owed
- Debt was result of identity theft
|
|
Web |
|
|
|
| 02/11/2021 |
Yes |
- Debt collection
- Credit card debt
|
- Attempts to collect debt not owed
- Debt was result of identity theft
|
|
Web |
|
|
|
| 02/08/2021 |
Yes |
- Debt collection
- I do not know
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
|
| 02/07/2021 |
Yes |
- Debt collection
- Credit card debt
|
- Took or threatened to take negative or legal action
- Threatened to sue you for very old debt
|
|
Web |
|
|
|
| 02/03/2021 |
Yes |
- Debt collection
- Auto debt
|
- Took or threatened to take negative or legal action
- Threatened to sue you for very old debt
|
|
Web |
|
|
|
| 01/27/2021 |
Yes |
- Debt collection
- I do not know
|
- Written notification about debt
- Didn't receive enough information to verify debt
|
|
Web |
|
|
|
| 01/26/2021 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Information belongs to someone else
|
|
Web |
|
|
|
| 01/24/2021 |
Yes |
- Payday loan, title loan, or personal loan
- Payday loan
|
- Received a loan you didn't apply for
|
|
Web |
|
|
|
| 01/13/2021 |
Yes |
- Debt collection
- Payday loan debt
|
- Attempts to collect debt not owed
- Debt was result of identity theft
|
|
Web |
|
|
|
| 12/08/2020 |
Yes |
- Debt collection
- Payday loan debt
|
- False statements or representation
- Attempted to collect wrong amount
|
|
Web |
|
|
|
| 11/23/2020 |
Yes |
- Debt collection
- I do not know
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
|
| 11/04/2020 |
Yes |
- Debt collection
- Credit card debt
|
- Attempts to collect debt not owed
- Debt was result of identity theft
|
|
Web |
|
|
|
| 10/25/2020 |
Yes |
- Debt collection
- Private student loan debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
|
| 10/14/2020 |
Yes |
- Debt collection
- I do not know
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Phone |
Older American |
|
|
| 08/24/2020 |
Yes |
- Debt collection
- Credit card debt
|
- Communication tactics
- Frequent or repeated calls
|
|
Web |
|
|
|
| 08/21/2020 |
Yes |
- Debt collection
- I do not know
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Postal mail |
|
|
|
| 05/27/2020 |
No |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Improper use of your report
- Report provided to employer without your written authorization
|
|
Fax |
|
|
|
| 05/27/2020 |
No |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Improper use of your report
- Reporting company used your report improperly
|
|
Fax |
|
|
|
| 03/22/2020 |
Yes |
- Debt collection
- Other debt
|
- Took or threatened to take negative or legal action
- Threatened to sue you for very old debt
|
|
Web |
|
|
|
| 09/06/2019 |
Yes |
- Debt collection
- I do not know
|
- Communication tactics
- You told them to stop contacting you, but they keep trying
|
|
Referral |
|
|
|
| 05/20/2019 |
Yes |
- Debt collection
- Credit card debt
|
- Communication tactics
- You told them to stop contacting you, but they keep trying
|
|
Web |
|
|
|
| 05/07/2019 |
No |
- Debt collection
- I do not know
|
- False statements or representation
- Told you not to respond to a lawsuit they filed against you
|
|
Web |
|
|
|
| 05/02/2019 |
Yes |
- Debt collection
- Credit card debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Phone |
|
|
|
| 05/13/2018 |
No |
- Debt collection
- I do not know
|
- Took or threatened to take negative or legal action
- Seized or attempted to seize your property
|
|
Web |
|
|
|
| 04/26/2018 |
No |
- Debt collection
- I do not know
|
- Communication tactics
- You told them to stop contacting you, but they keep trying
|
|
Web |
|
|
|
| 12/15/2017 |
No |
- Debt collection
- Credit card debt
|
- Took or threatened to take negative or legal action
- Sued you without properly notifying you of lawsuit
|
|
Web |
|
|
|
| 10/11/2017 |
Yes |
- Debt collection
- Other debt
|
- False statements or representation
- Attempted to collect wrong amount
|
|
Fax |
|
|
|
| 09/13/2017 |
No |
- Debt collection
- Auto debt
|
- Attempts to collect debt not owed
- Debt was paid
|
|
Web |
|
|
|
| 08/04/2017 |
No |
- Payday loan, title loan, or personal loan
- Installment loan
|
- Struggling to pay your loan
|
|
Web |
|
|
|
| 07/26/2017 |
No |
- Debt collection
- Other debt
|
- Took or threatened to take negative or legal action
- Sued you without properly notifying you of lawsuit
|
|
Web |
|
|
|
| 07/18/2017 |
No |
- Debt collection
- Credit card debt
|
- False statements or representation
- Attempted to collect wrong amount
|
|
Web |
|
|
|
| 04/20/2017 |
No |
- Debt collection
- I do not know
|
- Taking/threatening an illegal action
- Attempted to/Collected exempt funds
|
|
Web |
|
|
|
| 03/15/2017 |
Yes |
- Debt collection
- I do not know
|
- Cont'd attempts collect debt not owed
- Debt is not mine
|
|
Web |
|
|
|
| 03/14/2017 |
No |
- Debt collection
- I do not know
|
- Disclosure verification of debt
- Not given enough info to verify debt
|
|
Referral |
|
|
|
| 02/08/2017 |
No |
|
- Disclosure verification of debt
- Right to dispute notice not received
|
|
Web |
|
|
|
| 10/27/2016 |
No |
- Debt collection
- I do not know
|
- Cont'd attempts collect debt not owed
- Debt is not mine
|
|
Web |
|
|
|
| 09/19/2016 |
No |
|
- Communication tactics
- Threatened to take legal action
|
|
Web |
Servicemember |
|
|
| 08/15/2016 |
No |
- Debt collection
- Credit card
|
- Disclosure verification of debt
- Not given enough info to verify debt
|
|
Web |
|
|
|
| 08/05/2016 |
No |
- Mortgage
- Home equity loan or line of credit
|
- Loan servicing, payments, escrow account
|
|
Fax |
|
|
|
| 05/16/2016 |
No |
- Debt collection
- Credit card
|
- Cont'd attempts collect debt not owed
- Debt was paid
|
|
Web |
|
|
|
| 11/09/2015 |
Yes |
- Debt collection
- Other (i.e. phone, health club, etc.)
|
- Cont'd attempts collect debt not owed
- Debt resulted from identity theft
|
|
Web |
|
|
|
| 09/15/2015 |
Yes |
- Debt collection
- Credit card
|
- Cont'd attempts collect debt not owed
- Debt was paid
|
|
Web |
|
|
|
| 08/28/2015 |
No |
- Debt collection
- Other (i.e. phone, health club, etc.)
|
- Disclosure verification of debt
- Not given enough info to verify debt
|
|
Referral |
|
|
|
| 06/24/2015 |
Yes |
- Debt collection
- Credit card
|
- Taking/threatening an illegal action
- Threatened to sue on too old debt
|
|
Web |
|
|
|
| 06/16/2015 |
Yes |
- Debt collection
- Other (i.e. phone, health club, etc.)
|
- Cont'd attempts collect debt not owed
- Debt was discharged in bankruptcy
|
|
Phone |
|
|
|
| 02/17/2015 |
Yes |
- Debt collection
- Credit card
|
- Disclosure verification of debt
- Not given enough info to verify debt
|
|
Web |
|
|
|
| 01/16/2015 |
Yes |
|
- Disclosure verification of debt
- Not given enough info to verify debt
|
|
Web |
|
|
|
| 11/17/2014 |
Yes |
- Debt collection
- Credit card
|
- Cont'd attempts collect debt not owed
- Debt was paid
|
|
Web |
Servicemember |
|
|
| 10/17/2014 |
Yes |
- Debt collection
- I do not know
|
- Improper contact or sharing of info
- Talked to a third party about my debt
|
|
Web |
|
|
|
| 09/22/2014 |
Yes |
- Debt collection
- Credit card
|
- Disclosure verification of debt
- Not given enough info to verify debt
|
|
Web |
|
|
|
| 08/25/2014 |
Yes |
- Debt collection
- Credit card
|
- Cont'd attempts collect debt not owed
- Debt was paid
|
|
Web |
|
|
|
| 06/13/2014 |
Yes |
- Debt collection
- I do not know
|
- Disclosure verification of debt
- Not given enough info to verify debt
|
|
Web |
|
|
|
| 02/21/2014 |
Yes |
- Debt collection
- Credit card
|
- Cont'd attempts collect debt not owed
- Debt is not mine
|
|
Web |
Older American |
|
|
| 02/10/2014 |
Yes |
- Debt collection
- I do not know
|
- Taking/threatening an illegal action
- Sued w/o proper notification of suit
|
|
Web |
|
|
|
| 02/09/2014 |
Yes |
- Debt collection
- Credit card
|
- Taking/threatening an illegal action
- Threatened to sue on too old debt
|
|
Web |
|
|
|
| 01/29/2014 |
Yes |
- Debt collection
- Credit card
|
- Cont'd attempts collect debt not owed
- Debt was paid
|
|
Web |
|
|
|
| 01/22/2014 |
Yes |
- Debt collection
- Credit card
|
- Taking/threatening an illegal action
- Sued w/o proper notification of suit
|
|
Web |
Servicemember |
|
|
| 11/30/2013 |
Yes |
- Debt collection
- I do not know
|
- Cont'd attempts collect debt not owed
- Debt was paid
|
|
Web |
Servicemember |
|
|
| 10/28/2013 |
Yes |
- Debt collection
- Credit card
|
- Cont'd attempts collect debt not owed
- Debt is not mine
|
|
Referral |
|
|
|
| 08/18/2013 |
Yes |
- Debt collection
- Other (i.e. phone, health club, etc.)
|
- Communication tactics
- Frequent or repeated calls
|
|
Referral |
|
|
|