Vital Solutions, Inc. CFPB Complaints

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2000 Latest Complaints
Date Received Timely Response Product Issue State / Zip Submitted Via Tags
07/31/2017 Yes
  • Debt collection
  • Auto debt
  • Took or threatened to take negative or legal action
  • Threatened or suggested your credit would be damaged
  • MO
  • 641XX
 Web Servicemember
In XX/XX/XXXX , a repossession agent of XXXX , MO contacted us regarding a XXXX XXXX XXXX that was financed by XXXX XXXX in my name on XX/XX/XXXX advising that I was to leave the vehicle at XXXX XXXX XXXX in XXXX XXXX , MO, that it would be checked in to the auction and that XXXX XXXX would notify me in writing of the redemption/notice of right to cure. Creditor failed to send proper notice of sale or my right to redeem. The said vehicle was then towed by XXXX XXXX XXXX of XXXX XXXX , MO in XX/XX/XXXX under the request of XXXX XXXX XXXX . XXXX XXXX received certified mail on approximately XX/XX/XXXX ; failed to send notice of right to cure or redemption. XXXX XXXX called XXXX XXXX on XX/XX/XXXX & XX/XX/XXXX wanting to charges according to the owner but never came to pick up the said vehicle. Again, failed to send notice of right to cure or redemption process. Said vehicle was then sold at a private auction in XX/XX/XXXX by XXXX XXXX . After said vehicle was sold, XXXX XXXX failed to send the required deficiency notice, stating the amount that the lender had credited me from the resale as well as a cancellation notice of the original sales contract. After many attempts to reach XXXX XXXX , only to be shuffled around and not provided any documentation, I started receiving notices from Vital Recovery Services, LLC.. I had my wife call to see what was the account for and she was not only advised that if she did n't set up a payment plan on my behalf, they were going to not only sue me but my wife as well. Said vehicle was financed only in name before our marriage. As well as placing a garnishment on our wages and a lien against our taxes. She gave them banking information but advised that I would have to approve since the debt was not her name. My wife was advised that she was liable to the debt because we are married. Again, did not receive any notice of right to cure or the deficiency notice. On XX/XX/XXXX , I sent a formal letter disputing the debt under the laws of Missouri and UCC 9.506 as well as State RISA and MVISA statues, a deficiency can not claimed unless all of the required notices were properly and timely given and all of the allowable redemption and cure time limits were adhered to. On XX/XX/XXXX , I received a letter from XXXX XXXX that the repossession was in accordance with all state and federal laws. Letter states that I abandoned vehicle which is inaccurate due to their repossession agent out of XXXX , MO stated the location of where to leave the vehicle. Letter also states that it was referred to an outside collection agency, XXXX XXXX XXXX ( " XXXX '' ) which is not the collection agency sending the correspondence.of money due. I believe that I have been given the run around on the debt, lender did not follow UCC 9-506, UCC 9-611 & UCC 9-612. XXXX XXXX also failed to provide proof within 15 days of receipt of certified mail notice, received on XX/XX/XXXX , the alleged claim of a deficiency will be considered null and void, and any continued collection activities or continued reporting of the invalid claim on my credit reports will be considered a violation of the FDCPA & FCRA. In addition, singularly or severally failure to comply with the requests, I reserve the right to seek damages against all parties, under all available State and Federal statues and including but not limited to UCC 9-625 remedies. Furthermore, the same information was provided to Vital Recovery Solutions LLC and received by certified mail on XX/XX/XXXX to stop all collections activities however they continue to submit payments to my financial institution causing stress and undue financial hardship. Vital Recovery Solutions has threatened my wife with actions that do not apply to her as I have the original contract. The debt is reporting to my credit bureaus under XXXX XXXX XXXX XXXX stated the Harvest Strategy Group is the outside collection agency and Vital Recovery Solutions LLC completely provided false and inaccurate information
09/05/2017 Yes
  • Debt collection
  • Auto debt
  • Written notification about debt
  • Didn't receive enough information to verify debt
  • MO
  • 641XX
 Web Servicemember
Letter dated XX/XX/ was sent to both XXXX XXXX and XXXX XXXX XXXX ( please see enclosed ) certified and confirmed receipt by XXXX XXXX XXXX of XXXX XXXX XXXX. Letter demands proof that repossession of the subject vehicle was legal in accordance with the following UCC : 9-506 EFFECT OF ERRORS OR OMISSIONS 9-611 NOTIFICATION BEFORE DISPOSITON OF COLLATERAL 9-612 TIMELINESS OF NOTIFICATION BEFORE DISPOSITION OF COLLATERAL 9-613 CONTENTS AND FORM OF NOTIFICATION BEFORE DISPOSTION OF COLLATERAL Also demanded copies of the legal notices and proof of the commercially reasonable manner of the notification and resale of the vehicle. XXXX XXXX states that he addresses the allegations against XXXX XXXX XXXX only. XXXX XXXX XXXX continued to submit a payment after receiving certified mail demand for proof of said debt, infringing upon my consumer rights. Cleared check date XX/XX/ ( please see enclosed ) Also I have requested a copy of the check that was returned to Vital at the end of XXXX as XXXX XXXX states that all collection activities had ceased. He, as acting Manager of Compliance, failed to provide said proof in accordance with the above UCC. Also, has failed to respond to request for recorded conversations have been yet to be sent. XXXX XXXX has failed to not only adhere to the above UCC but also 9-615 & 9-616. Ally has provided a contract signed on XX/XX/XXXX in the amount of {$11000.00}. In XX/XX/XXXX, vehicle was turned over to repossession agent from XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX, MO XXXX. Phone number XXXX. Vehicle was to be put in the front row of parking lot in front of XXXX XXXX XXXX in XXXX XXXX, MO as he stated that it would be checked in to the auction and I would receive a letter on how to redeem the vehicle. Agent never checked vehicle into auction, was towed by XXXX XXXX out of XXXX XXXX, MO under the request of XXXX XXXX XXXX. XXXX XXXX received certified letter from XXXX on approximately XX/XX/XXXX stating vehicle was in their possession. XXXX XXXX then contacted XXXX XXXX onXX/XX/XXXX and XX/XX/XXXX inquiring to charges according to the owner of XXXX XXXX, XXXX XXXX, but never came for the vehicle. XXXX XXXX sold the vehicle in XX/XX/XXXX for an undisclosed or unapplied amount. Under the laws of Missouri and UCC 9.506 as well as State RISA and MVISA statutes, a deficiency can not be claimed unless all of the required notices were properly and timely given and all of the allowable redemption and cure time limits were adhered to. XXXX XXXX has continuously failed to provide legal notices as required and requested and continues to seek a balance of initially {$10000.00} when in fact the amount financed was {$11000.00}. XXXX XXXX has made allegations against myself however I followed the instructions of their contracted company XXXX XXXX XXXX XXXX. XXXX alleges that it is a customer 's responsibility to update addresses, payment slip was sent back to them with updated address information. Requesting copies of all payment slips sent into XXXX at this time for verification. XXXX states that the account was referred to an outside collection agency, XXXX XXXX XXXX however, XXXX XXXX XXXX was the company contacting me. XXXX XXXX XXXX continues to represent XXXX XXXX in all correspondence however has stated that the account has been returned to their client. There has been zero validation on who owns the debtXXXX XXXX or XXXX. Violation of Section 9-616 explanation of calculation of surplus or deficiency within 30 days of disposition not provided. There is no account of funds after the vehicle was sold whatsovever with XXXX XXXX. Both companies have failed to legally provide the above referenced. I request that the debt be deleted from all credit reporting agencies as well as being deemed null and voided in accordance with UCC and Missouri Laws. Sincerely, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MO XXXX
09/19/2016 Yes
  • Credit card
  • Billing disputes
  • GA
  • 30021
 Web
My Claim : Selling a Credit Card Account that has been settled. Previously I opened a Consumer Complaint XXXX disputing XXXX XXXX XXXX Credit Card billing. As it turned out, XXXX stated I agreed to on-line bill statement presentment. I dispute that claim. I did not ask for on-line statement presentment and I did not confirm a change to my account for on-line statements. See this summary below which is posted in Complaint XXXX : The XXXX response of XXXX XXXX, XXXX makes the claim that I enrolled in electronic statements on XXXX XXXX, XXXX and this was why I did not receive any paper statements for the XXXX item, a printer costing {$100.00}, that was purchased on XXXX XXXX, XXXX. Following the purchase in XXXX XXXX, there were 7 months of electronic statements ( XXXX thru XXXX ) in which XXXX charged my account for late payment fees and interest running up the account to a total {$370.00}, roughly {$270.00} of fees and interest. There were no other purchases during this time. This XXXX XXXX account was opened in XXXX and the email address that XXXX references sending electronic statements has not been active. The XXXX information was not up to date because I had no intention of using electronic statements and was never asked to update the information. All of my credit card accounts are set for paper statements. I dispute enrolling in electronic statements for the XXXX XXXX card. Typically if there is a change to an account, there would be a " confirmation '' email saying that there was an account change and asking for my confirmation that I wanted electronic statements. I deny that I received any notice of the change to electronic statements to my account and I deny confirming that I wanted such a change to my account. I am willing to pay for the printer, but I deny the late payment fees and interest charged for 7 months with absolutely no written notification of past due payment. On XXXX XXXX, XXXX, I sent the attached letter to XXXX XXXX, XXXX, XXXX XXXX XXXX and XXXX XXXX XXXX XXXX. I included a check for {$100.00} for the printer in the letter to XXXX XXXX XXXX XXXX. I have had no response from XXXX XXXX XXXX XXXX. I am out of town until late XXXX XXXX. XXXX Since I have had no response from XXXX XXXX XXXX XXXX to my letter of XXXX XXXX, XXXX, I believe that they accepted my check for the amount of the printer. They have not returned my check stating otherwise. It has been more than 90 days without a response from XXXX XXXX XXXX XXXX. XXXX Now I have received a letter from Vital Recovery Services claiming that they have bought my account from XXXX XXXX XXXX. However on XXXX XXXX XXXX XXXX XXXX XXXX sent a letter claiming that they had bought my account from XXXX XXXX XXXX. So XXXX XXXX XXXX has sold my account twice once to XXXX XXXX XXXX XXXX and once to Vital Recovery Services. I dispute the selling of my account to XXXX different debt collectors. I believe XXXX XXXX has accepted my check for the resolution of the disputed amount because they have not responded within 90 days. I am sending a copy of this complaint to the following entities via certified mail. XXXX XXXX Credit Services, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX and Vital Recovery Services. Third I intend to file a complaints against XXXX XXXX XXXX , XXXX XXXX XXXX XXXX and Vital Recovery Services regarding the miss management of my attempt to settle this account.
05/27/2015 Yes
  • Debt collection
  • Other (i.e. phone, health club, etc.)
  • Improper contact or sharing of info
  • Contacted me after I asked not to
  • OR
  • 97230
 Web
My mother has XXXX, she needed XXXX. I applied for some personal loans to help pay for the XXXX and got over my head. I joined a debt consolidation that made a lot of promises that they did n't keep. They were taking my money and making payments to XXXX XXXX, but XXXX XXXX was n't accepting them as regular on time payments because they did not approve the program, although no one told me that. So the account eventually went to Vital Solutions collections. I found this out by calling XXXX XXXX to try and come up with a solution, they sent me an email saying that I would now need to work with XXXX XXXX. I contacted them on XXXX XXXX and spoke with a gentleman. I explained to him the situation, and told him that I would n't be able to make a payment until XXXX XXXX. He said that it was fine, and that he would note the account that I would n't be able to make a payment until that date. He said if anyone called me, to just let them know that there are notes on the account. Around XXXX XXXX, a debt collector named XXXX from Vital Solutions started calling me at my place of work regarding this account. I told her that there were notes on the account, and explained my family 's situation. She told me that I had to pay something now and that this was a very serious situation. When I explained to her that I could n't do anything until XX/XX/XXXX, and that I have to feed my child, she told me that I had to pay something and that she would continue to call me every three days. She started harassing me, calling my cell phone, my work phone and my parent 's home multiple times a day. She told my father that I was in serious trouble and that I needed to call her back. My parents knew nothing about my money issues and with my Mom 's XXXX, I really did n't want them to know. XXXX and I had discussed me possibly being able to take some money from my 401K, I told her I would let her know if this was possible. It was not, they turned me down. On XXXX XXXX, I had had enough of XXXX calling my parent 's home early in the am before they wake and calling my work multiple times when I have a call center job. I can not be getting calls from debt collectors on my phone at work when my job is to answer customer calls. I called Vital Solutions in the afternoon on XXXX XXXX to tell them that they could not call my work. I spoke with XXXX XXXX and explained my situation. She said that she removed both my work number and my parent 's number and that XXXX would not call me back until XX/XX/XXXX. Today on XXXX XXXX, XXXX called my work phone, my parent 's phone and my cell phone all around XXXX PST time. I called right back and XXXX XXXX answered, she was shocked that XXXX called me as she said that she removed the numbers from the system and also personally spoke with XXXX telling her not to contact me until atleast XX/XX/XXXX and never to call my work or parent 's home again. The calls are recorded. I then spoke to XXXX who agreed that she did break the law by contacting me after XXXX removed those numbers from the system and told her not to.
04/29/2019 No
  • Debt collection
  • Auto debt
  • Attempts to collect debt not owed
  • Debt was paid
  • CA
  • 92115
 Web
I have been in contact with XXXX XXXX, XXXX, and Vital Solutions Debt Collections, and XXXX XXXX XXXX dealership in XXXX XXXX, CA to resolve an outstanding amount of {$1000.00}. I have had many many phone calls, emails, and correspondence with all three over the last few months and need this issue to be resolved. The following is the information I have collected and noted after various phone calls and group calls with all of these entities. XXXX XXXX has taken me to collections for {$1000.00}. XXXX XXXX claims the {$1000.00} is because XXXX noted there was a previous claim taken out on the XXXX XXXX XXXX in which the damages were not repaired. This is incorrect and a letter from XXXX is attached stating so. This needs to be fixed on XXXX end. XXXX XXXX claims that my XXXX XXXX XXXX XXXX has no XXXX. This is also incorrect. Email correspondence that I had with XXXX XXXX from XXXX XXXX XXXX in XXXX XXXX also states this is an error. I also spoke with the manager, and the salesperson who sold me the lease, XXXX XXXX. The two of them along with XXXX XXXX, XXXX, XXXX clearly stated to me, in person, that ALL California Leases with XXXX automatically come with XXXX XXXX. They reassured me over and over that this is the case. They printed my contract, read it with me, and showed me in person that I should not be held liable. They said it doesnt make sense that I am being charged for anything as I held full coverage with XXXX, had paid everything to XXXX in order to close my account with them, and that all XXXX leases in California DO come with XXXX. Again, this is coming from XXXX XXXX XXXX where I leased the XXXX from. I faxed XXXX XXXX and told them to follow up with them on this to resolve it and never heard back. XXXX XXXX has told me on the phone and through correspondence with XXXX that they were in fact underpaid by XXXX, and not by me, therefore, I do not owe the debt being collected by XXXX. XXXX says they paid out XXXX when XXXX requested the amount in XX/XX/XXXX when the car was totaled, and that if XXXX believes that XXXX owes them money, then XXXX is the one who needs to contact XXXX to fix this instead of taking me to collections. XXXX states a deductible was not paid, XXXX says it was paid. XXXX needs to resolve all charges with XXXX, as no claim has ever been taken out on the XXXX XXXX previous to the total loss in XX/XX/XXXX and there were no pre-existing damages to the vehicle. I will include personal notes I have taken over time, the email correspondence I had with XXXX XXXX XXXX Finance Director XXXX XXXX, and with the representative, I spoke with at XXXX, XXXX XXXX. The letter from XXXX showing I have no outstanding amounts due at XXXX and that the only claim ever to be taken out on the entire history of the XXXX XXXX XXXX was for the total loss of the vehicle. Previous claims for any pre-existing damages never existed.
02/24/2019 Yes
  • Debt collection
  • Auto debt
  • False statements or representation
  • Attempted to collect wrong amount
  • VA
  • 22150
 Web Servicemember
About a year ago, I received a couple of emails from XXXX offering me to turn in my leased vehicle and lease or purchase another vehicle. The lease on my old vehicle matured on XX/XX/XXXX. I visited XXXX XXXX in XXXX, VA and agreed to a new vehicle. When negotiating the price, I explicitly told the dealer I wanted all charges rolled into the bottom line. I left the dealer with a new car and at the time, no further charges owed. I did not sign or receive any documentation countering my belief. I turned the vehicle into the dealership on XX/XX/XXXX. In XX/XX/XXXX, I received a turn-in settlement invoice from XXXX XXXX with a request for a {$1400.00} payment. I contacted XXXX XXXX on XX/XX/XXXX to inquire about the charges and I was basically told " those are the charges, can't help you ''. On XX/XX/XXXX, I received an updated bill for {$2200.00} with no explanation. On XX/XX/XXXX, I, again, contacted XXXX XXXX and was told that the charges needed to be recalculated because they were totaled incorrectly. I was also told that I would receive a return call explaining said charges. I never received that call. Two months later, I called again. Bottom line, I asked for a detailed billing statement for all charges as I had not received one. I was also told that my vehicle was sold at auction for a loss and that total was factored in obtaining the payment total. That total was compared with excess mileage and excess wear. The excess mileage charge was included in the turn in payment and I disputed the damages as I turned in the vehicle in excellent driving condition. The XXXX XXXX agent told me it took 7 days after I relinquished my vehicle to the dealer for someone to inspect it and come up with a bottom line. About a week after this call, I finally received a detailed billing statement. And to my surprise, a different total - {$1600.00}. Just to pile on even more, XXXX XXXX referred this bill to a debt collector. When I talked to the debt collector, Vital Recovery Services , LLC, on XX/XX/XXXX, I told them that this account was in dispute and not call me anymore until resolved. The agent told me that I needed to pay off the debt for whatever amount even after I told him about the dispute. He could not give me a total amount even after I laid out the situation. He said pay the amount that was the most and worry about a resolved total later. He continued to press the issue of payment and I told him I would not pay it until resolved. I asked him and the company not to call until resolved and he tried one more time to get me to pay.
08/17/2017 Yes
  • Debt collection
  • Auto debt
  • Written notification about debt
  • Didn't receive notice of right to dispute
  • MO
  • XXXXX
 Web Servicemember
On XX/XX/XXXX XXXX XXXX XXXX responded with the following : which is not true and a misrepresentation ; Third, you allege Vital continues to unlawfully collect a debt. Vital received a letter from you dated XX/XX/XXXX that requested verification of the debt and requested that any communication with you or your family members should be done in writing. Vital complied with your request and sent written verification to you on XX/XX/XXXX. Furthermore, Vital also ceased collecting your account and cancelled the payment plan agreed to by XXXX xxx. Vital will no longer be contacting you or XXXX xxx about this account. I trust that this correspondence explains Vitals handling of your account and satisfies you that its actions were proper and lawful. Please do not hesitate to contact me with any questions you may have. Thank you for your courtesy. XXXX XXXX Manager of Compliance XXXX XXXX XXXX XXXX | P : ( XXXX ) XXXX XXXXXXXXXXXX XXXX XXXX XXXX - XXXX XXXX XXXX XXXX XXXX, GA XXXX This Communication is from a Debt Collector. Enclosure ( XXXX ) : XXXX On XXXX XXXX, XXXX, Vital submitted an ACH payment of {$310.00} to my financial institution that successfully cleared onXX/XX/XXXX On XX/XX/XXXX Vital submitted another ACH payment of {$310.00} to my financial institution that was returned in correspondence of XX/XX/XXXX Vital did NOT comply with request nor did Vital cease collection activities. Financial institution will be providing a copy of the returned check dated XX/XX/XXXX submitted by Vital. Vital has continued to submit payments, although per the statement above per Manager of Compliance states that they had complied with request and ceased activities in turn causing financial duress. 15 U.S. Code 1692f - Unfair practices -- Violation ( 4 ) Depositing or threatening to deposit any postdated check or other postdated payment instrument prior to the date on such check or instrument. Vital also states that " After a comprehensive review of the relevant call recordings for your account, Vital respectfully denies these allegations. '' But a lawful recording of an in-person conversation requires the consent of all parties. Mo. Ann. Stat. 542.402 XXXX XXXX XXXX XXXX.
08/09/2020 No
  • Debt collection
  • Auto debt
  • Communication tactics
  • Frequent or repeated calls
  • PA
  • 184XX
 Web
his started when XXXX XXXX sent my account to a collection Agency called Vital Recovery Services. I will start by telling you the situation. I was in a career ending accident with this very car ( XXXX XXXX ). From that point on I had to apply for XXXX in PA. Unfortunately it takes 2 years before you get a hearing in front of an administrative judge. So I was unable to pay my payments. Now the original loan was taken out in XXXX of XXXX. The problem started when Vital Recovery got involved. We were talking about making a settlement on the account that's when the games started. I explained my situation and told them that I was Permanently and Totally XXXX. I said I would be willing to give you my total monthly income of {$1100.00} to settle this debt, because I only make {$1100.00} a month from XXXX. The total bill was {$9700.00} when I defaulted back in XXXX. The woman said that she would send in the request to XXXX XXXX, with the reason why to see if they would accept, because of my condition. She told me it would take about 2 weeks to get an answer, and that she would get back to me. So two days pass and I get another call, This is vital Recovery etc. I am calling about a debt that you owe. I said I have already discussed this with one of you reps and put an offer in, she said she sent it off to XXXX XXXX for review and to see if they would accept the offer and she would get back to me in two weeks. He said sorry it never happened. Then he says if you give my {$6000.00} I will send the offer in. I said I don't have that kind of money, I am XXXX and only make {$1100.00} a month, but I can do what I offered the woman. He said he won't do it. Then we hung up. These calls have gone on for 3 months now. They went as low as {$1100.00} and as high as {$6000.00} and everyday it's a new figure. One day it was {$2000.00} last week. It is just game after game. I told them the only offer and money I have is {$1100.00} and I will give it to you in good faith to show you I am not running from My obligations and good Faith. But again, it just depends on who calls me for that day. One day they say they will send in the offer and it never gets done
09/02/2015 Yes
  • Debt collection
  • I do not know
  • Improper contact or sharing of info
  • Talked to a third party about my debt
  • CA
  • 91605
 Web
I had an end of auto lease obligation to pay XXXX XXXX XXXX XXXX back in XXXX 2015. I contacted XXXX via mail and let them know I was out of work and I could pay small monthly payments until the account was paid in full. Without waiting for a response I started paying XXXX {$25.00} a month, sometimes more if I could afford it. They took my payments and applied them towards my account reducing the principal ( {$1000.00} ) and sent me updated statements with the remaining balance. Yesterday, XXXX XXXX, 2015, I received a letter from Vital Recovery Services LLC, a debt collection agency that required a payment for the alleged debt I owed XXXX. The principal amount was also wrong. Obviously, despite the fact that I keep making monthly payments that I can barely afford, XXXX XXXX XXXX XXXX hired a collection agency while at the same time taking payments from me. This is not a legal action. They can not sell the account to collection agency when I keep making payments and they take my payments. My account is not in default. This will hurt my credit that I am trying to revive while I am looking for a job. XXXX refuses to work with me on this for whatever reasons. I will not pay the full amount to the collection agency because I can not. It is in XXXX best interest to take my monthly payments and get it over with rather than losing the entire money because of poor company practice of handling debt. I know I have a responsibility to pay, and I am very willing to pay it off, but I can not be put under pressure to do so when I am working very hard to maintain monthly payments and find a job so I could pay it off at once and never deal with XXXX again. XXXX of companies work with you on this, they assist you with monthly payments ; however, XXXX does n't train its associates to work with people who have financial hardship and need assistance. Please help me with this issue.
01/14/2019 Yes
  • Debt collection
  • Auto debt
  • Attempts to collect debt not owed
  • Debt was paid
  • CA
  • 92394
 Web Servicemember
The letter is dated XX/XX/XXXX, however I just received this notice of a debt collection from Vital recovery service for a debt from XXXX. I never heard from XXXX or received anything just this notice that I got from my family today XX/XX/XXXX. It states I owe for excessive wear and tear and unpaid lease payments but I paid all the lease payments and there was no excessive wear and tear to the car. When I turned in the car I was not told of any unpaid lease payments of any kind. I stayed up to date on all payments, therefore this is odd and unexpected. I had an inspection done on the car prior to turning it in. The car was ranked under good conditions, inspection person did state that the rims on the tires may be counted as excessive wear and tear due to minor scratches, however, he did state this can be disputed because the rims stick out past the tires due to the rims not properly fittings the tire size. I called XXXX regarding my concern prior to turning in the car and stated that the rims they installed are not the standard and are after market part which doesnt properly fit on the tires and stick out beyond normal which will cause scarthes for any minor or slight bump on a curb or just driving on a road that may have loose gravel. I also informed Nissian that if they should try to make me Pay for something thats their fault for installing rims that stick out past what they should the. I want to disput the charges. XXXX never extended me the courtesy to call, email, mail or notify me of their intent to charge me for anything. They sent this to collection without giving me proper notice, or even giving me the chance to resolve the problem. I heard nothing from XXXX or about this until it was already in collections. This is not fair to me as a consumer. I want an investigation and to take this matter to court.
03/01/2022 No
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Incorrect information on your report
  • Account status incorrect
  • VA
  • 23324
 Web Servicemember
I have had an ongoing issue with XXXX XXXX XXXX XXXX since this origination of this Lease with the XXXX XXXX XXXX. It seems that they continue to try to damage me and my credit worthiness. I've tried on multiply occasions to work with them, from them placing the wrong amount of miles on my lease to repossessing a car which I tried to return to them at their dealership, to not explaining taxes correctly and how they are paid with the lease to sending me a bill for over {$6000.00} and then damaging my credit. The account ended up with Vital Recovery Services which I finally agreed to settle with a 2 payment plan XX/XX/XXXX and XX/XX/XXXX and they have yet to send me settlement confirmation letter. I struggled to make these payments and placed my mortgage on hold to make this go away. The first payment, processed a little early so we had to reschedule it so we agreed managed to agree to same terms. However, we got it done and still I haven't heard from the representative or XXXX to say that it was complete. During this time, XXXX was still sending me statements showing I owed money and I was working with Vital Recovery too. Long story short, I paid Vital Recovery 2 payments of {$1200.00}. XXXX is still reporting that I owe money to them so when I called to follow up I explained that they are do a subpar job of following up with their Agency on my account and that they are damaging my credit and I asked who is responsible for updating my credit? The representative stated he didn't understand my question. However, I know who should and they have dropped the ball again. I advised then that I would be making another complaint about the mishandling of my account.
07/06/2016 Yes
  • Debt collection
  • Credit card
  • Cont'd attempts collect debt not owed
  • Debt was paid
  • NY
  • 11787
 Web
I had a XXXX card back in 2014. My first purchase was for a tablet. I made monthly installment payments on the tablet until it was paid in full. There has been major disputes with this company as they put me into collection for {$380.00}. This is all from fee's/interest/late payments. I 've contacted XXXX several times and I provided them with proof that they took the payments from my bank account. It was verified with 1 customer service rep that the tablet has indeed been paid in full. Another customer service rep told me I was suppose to make the payments to the XXXX not to XXXX. Regardless they received there money. I was furious when I saw on my credit report that they sent me to collection. I contacted the collection agency 's today and was told for {$250.00} they will settle and close the account. I was also told that crown assets took over XXXX. XXXX is no longer existing according to the information I received today. I explained to the collection agency that I am not paying {$250.00} for something that has been paid in full. I am also not paying for any late fee 's that were assesed to the card because I never paid late. I tried contacting XXXX today but to no success was I able to get anywhere. I was told to contact the collection agency. I told them I did that already. I am very upset with this company as this is affecting my credit score and affecting me in obtaining credit.
02/14/2022 Yes
  • Debt collection
  • I do not know
  • Written notification about debt
  • Didn't receive enough information to verify debt
  • MN
  • 55447
 Web
I have received reputed calls from, XXXX, Vital Recovery Services - They state their file number for this debt is XXXX. On 5 separate occasions they have called and I have requested to receive verification of the debt and what the debt is for. They have called dozens of times, but I have only answered 5 times. They have twice given me an email address ( provided by XXXX XXXX XXXX on XXXX XXXX 2021 ) I am required to email to request this information. I have twice emailed this email address ( XXXX ) and requested the information and have not received a response back. I received another call on Wed XXXX XXXX at XXXX XXXX and asked to be removed from their call list. The agent said he would remove me from the list and I told them any further correspondence via email or postal mail was fine, however I did not want to receive any further calls until they had provided me proof the debt which they still have not done. Today ( XX/XX/XXXX @ XXXX XXXX ) I received another call from XXXX after I have requested them to stop calling. I answered and explained the situation to the agent who did not give his name and he was very defensive about why I was not removed from the list. I told him at this point I have requested proof of the debt multiple times and they have refused to provide it and have not removed me from the list as requested. I told them I will be filing a complaint with your agency.
10/01/2018 Yes
  • Debt collection
  • Other debt
  • False statements or representation
  • Attempted to collect wrong amount
  • SC
  • 29841
 Web
XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX, Ga XXXX are violating the Fair Debt Collection Practices As amended by Public Law 111-203, title X, 124 Stat. 2092 ( 2010 ). I would Like to file a complaint against XXXX XXXX XXXX XXXX XXXX for the following violating or attempting the violate the following : 1. 804. Acquisition of location information A. Not communicate with any such person more than once unless requested to do so by such person or unless the debt collector reasonably believes that the earlier response of such person is erroneous or incomplete and that such person now has correct or complete location information ; B. Not communicate by post card ; C. Not use any language or symbol on any envelope or in the contents of any communication effected by the mails or telegram that indicates that the debt collector is in the debt collection business or that the communication relates to the collection of a debt ; D. Causing a telephone to ring or engaging any person in telephone conversation repeatedly or continuously with intent to annoy, abuse, or harass any person at the called number. 807. False or misleading representations : A. the character, amount, or legal status of any debt ; or 812. Furnishing certain deceptive forms A. False Misleading information on printed correspondence that entity has A+ rating with the Better Business Bureau XXXX
11/27/2020 No
  • Debt collection
  • Payday loan debt
  • False statements or representation
  • Attempted to collect wrong amount
  • VA
  • 231XX
 Web
Vital Recovery contacted me in XX/XX/2020 about a payday loan on behalf of XXXX XXXX for {$1300.00}. We agreed to a pay off settlement of {$550.00} to be paid in 3 monthly installments. My first payment of {$180.00} was completed XX/XX/2020, My second payment was scheduled fore XX/XX/2020 but due to a financial hardship I called Vital Recovery and moved my payment to XX/XX/2020, which XXXX XXXX agreed to. Both payments were successful. However, I was notified my Virginia Unemployment that my extended benefit would end XX/XX/2020. I called Vital Recovery to move my last payment of {$180.00} from XX/XX/2020 to XX/XX/2020. XXXX stated since I moved my last payment and this would be a second time to move my payment they would not be able to honor the settlement agreement. She stated that I would have to pay the full balance. I explained that I do not have a job and would not be able to pay. I just wanted to move the payment of {$180.00} to the end of XX/XX/2020. XXXX stated that her manager stated they could not set up any payments for anything else but the full balance. I am not working and not sure when I will be working again. I mentioned that I would not be able to pay anything until maybe tax time but it would not be guarantee. She noted that she would make a note that I would pay it during tax time.
10/31/2017 Yes
  • Debt collection
  • Other debt
  • False statements or representation
  • Attempted to collect wrong amount
  • MI
  • 480XX
 Web
I contacted XXXX XXXX on XX/XX/XXXX and spoke with XXXX in the payment solution department about a collection letter I received in the mail XX/XX/XXXX. The date on the collection letter is dated XX/XX/XXXX stating that I owe XXXX is the balance due in full now this account was placed for collection to Vital recovery services. I told XXXX that I am only 30 days late and I 'm sent to a collection agency for the full balance. Wow I dispute that balance cause on the site it is XXXX. So the collection agency added extra money and still adding according to the letter it might be more depending on when it is paid. XXXX from the payment solution department told me that all I have to do is pay the past due of XXXX plus late fees that might not been added yet to bring my account current then call them and they will buy back the loan I was also told that I need to make that payment to Vital Recovery Services. This makes absolutely no sense. I was also told that the balance was incorrect it should be what I stated above the XXXX so not trusting there so call collection someone have there communication crossed. I believe that XXXX XXXX XXXX is trying to extort more money. At this point I 'm asking for verification of this collection that was placed by XXXX XXXX. This is totally misleading and deceitful.
08/25/2016 Yes
  • Debt collection
  • I do not know
  • Improper contact or sharing of info
  • Talked to a third party about my debt
  • MI
  • 480XX
 Web
This company, Vital Recovery Services/Solutions, has repeatedly called my father-in-law 's home phone number and left unsavory messages on their machine. Finally, on Monday XXXX XXXX, after calling my father-in-law 's number 5 times, he finally answered. The representative for Vital Recovery Services then proceeded to tell my father-in-law about my debt, and that I owe all this money and that I need to pay. When he told them that I do n't live there, the rep for VRS then asked how else to get a hold of me. First complaint : I have settled this debt with the creditor that VRS is harassing me about. Second complaint : Vital Recovery Services has been harrassing my phone as well as my father-in-law 's phone constantly. I have not lived at that address ( my father-in-law 's house ) in 10 years. Why and how does VRS have that number? Third complaint : the representative for VRS willingly and knowingly gave information aboit my debt to a third party that had no business knowing that information. Not only did the rep give out private information about my debt, but it was the wrong information at that!
04/27/2021 No
  • Debt collection
  • Auto debt
  • False statements or representation
  • Attempted to collect wrong amount
  • NC
  • 28269
 Web
Spoke with a representative, as well as two managers on XX/XX/27 regarding a possible settlement offer. The agency attempted to collect more than the minimum amount needed to settle the account. I was told {$580.00} would be the minimum to settle. I was also given a minimum amount of {$680.00}. When I brought it to the representative attention, they refused to acknowledge what was told to me even though they seen it in the notes. Also, I was harassed by XXXX XXXX, a supervisor with your company. Her professionalism was at a zero. She advised me that the company would refuse to accept money. I advised here that any amount of money would be better than not receiving anything, and she told me that its not true. I told her that I was dissatisfied with her customer service, and she advised me that this is collections. I felt threatened, and harrissed by her attitude. Im more then positive that her behavior does not represent Vital Recovery business model. That type of behavior is costing your company money, and putting your company at risk of lawsuits due to violating debt collection laws.
12/11/2018 Yes
  • Debt collection
  • I do not know
  • Communication tactics
  • Frequent or repeated calls
  • NY
  • 117XX
 Web
For months, I have been receiving a host of daily and intrusive " robocalls '' from ( XXXX ) XXXX coming into my work telephone number. My work space is situated in an open floor plan, and so my colleagues are impacted and undoubtedly bothered by the frequency of these calls. Aside from family emergencies, I am not permitted to receive non-work-related phone calls, conduct nor otherwise engage in non-work-related activities during my regularly scheduled working hours. I have answered this call ( er ) on more than one occasion and each time I'd been met with an automated voice assistant 's instructional prompt, which indicates that if one were to press the number " 2 '' these calls would stop. This has certainly not been the case. The caller ID lists this number as belonging to Vital Recovery Services. I am not familiar with this company. And I have never associated my business telephone number with any consumer credit account beyond ( possibly ) my mortgage and/or car loan accounts ; neither of which are tied to Vital Recovery Services.
05/01/2020 Yes
  • Debt collection
  • Auto debt
  • Took or threatened to take negative or legal action
  • Threatened or suggested your credit would be damaged
  • MA
  • 01945
 Web
I had a leased car from XXXX XXXX XXXX. The lease ended XX/XX/XXXX. In XX/XX/XXXX, I was send a bill for State of Massachusetts excise tax for the full year XXXX. I called XXXX XXXX XXXX and told them I would apply for the 23 days in XXXX that I had possession of the car, but would not pay for the 242 days of auto excise tax that I did not have the car. I called the state of Massachusetts and was told that I was not responsible for the excise tax during a period when I did not have a legal agreement to lease the car from XXXX. I paid all my lease fees, returned the car to a dealer on XX/XX/XXXX and was considered paid in full. I later found out that XXXX XXXX XXXX sent me to collections with company named Vital Recovery Services. I refused to pay them and was reported to the credit bureau as delinquent. This has been affecting my credit rating for over a year. I have spent hours on the phone trying to explain this the XXXX. I need help in getting this resolved and the delinquency removed from my credit file. Thank you.
04/01/2020 No
  • Debt collection
  • Auto debt
  • Written notification about debt
  • Didn't receive enough information to verify debt
  • TX
  • 761XX
 Web
I received a phone call from a woman at Vital Recovery Solutions who insisted that she would hang up her phone conversation with her if I was going to cuss her out. I proceeded to hang up on this XXXX who refused to give out my account number, email or email documented information of the amount I owed to her company. I did not even know the name of the company she was calling from when she called me. Instead of getting an invoice from her, she gave me her supervisor 's email address to as him. Too young. They're wrong, is my point, demanding me to verify my information without sending me something in the form of writing. When I called again, I said I would not verify my information. I had to ask who the the person I was talking to was, and verify the address. This company is not even licensed in the state of Texas. XXXX XXXX didn't even have the license number of the company. I think this company is a scam. It needs off of my credit report. I will pay the XXXX XXXX on my own. XXXX XXXX
06/19/2020 No
  • Debt collection
  • I do not know
  • Attempts to collect debt not owed
  • Debt is not yours
  • TX
  • 78731
 Web
I've been receiving harassing calls every day for weeks from Vital Recovery Services , LLC, despite blocking the number. They claim to be collecting a debt from XXXX XXXX, though I've never had an account or any financial dealings with XXXX XXXX. I called the company on XX/XX/XXXX to have my number removed since blocking it on my phone didn't work, but was required to verify name, address, date of birth, and last four of my social before they would tell me anything further about the claim. They also refused to remove my number unless I verified that information. I would and will not verify any of that private information, and they informed me I will continue to get calls but they will not give me any information regarding the claim or remove my number unless I verify the private information. I suspect this is an identity theft scam since the XXXX XXXX had a data breach in XXXX.
12/19/2017 Yes
  • Debt collection
  • I do not know
  • Attempts to collect debt not owed
  • Debt is not yours
  • TX
  • 77379
 Web
We continue to get calls XXXX and XXXX times a day from XXXX XXXX XXXX for a debt that is not ours. When I talked to the rep they claimed a debt from XXXX. I have never done business with XXXX and they continue to want me to give them the last XXXX digits of my social security number and date of birth, which I will not do as they do not even know who they are calling.plus once they have this information they can resell it to other unscrupulous debt collection agencies who could use the information when they make calls. Now when I answer the phone from them, they claim to have a system error or the call can not be forwarded but they continue to call at least twice a day I ask the CFPB to require XXXX XXXX XXXX to send me written notification of the claimed debt, dates, amounts, etc. Until they comply, I ask the CFPB to require they cease all contract via telephone.
08/27/2020 No
  • Debt collection
  • I do not know
  • Communication tactics
  • You told them to stop contacting you, but they keep trying
  • WA
  • 98188
 Web
Hi, For a long time I have been experiencing harassment on the phone with calls all day long. It is Vitaly Ricovery who calls me to try to collect a debt which they are not able to validate. In fact, on XX/XX/XXXX, two weeks after they contacted me, I sent them a debt validation letter. They did not properly validate the debt as required by law, so on XX/XX/XXXX, I forwarded a second letter asking them to validate the debt he accuses me of. They haven't sent the letter since XXXX, but I was surprised at the beginning of XXXX, three months ago, that Vitaly Recovery resumed with calls. It's too much now! They are unable to validate the debt and that does not give them the right to harass me at any time on the phone. I don't even recognize this alleged debt. I have attached the receipt return service requested as a proof they received my debt validation letter.
01/07/2017 Yes
  • Debt collection
  • Other (i.e. phone, health club, etc.)
  • False statements or representation
  • Attempted to collect wrong amount
  • CA
  • 90024
 Web
Attached please find the XXXX report which confirms XXXX of the XXXX tows that occurred with this vehicle, XXXX XXXX XXXX door XXXX VIN XXXX which not only needed to be towed on it 's last day with me to the dealership ( it apparently needed a new transmission and could not be driven - buyer beware ) but over the course of my lease ( please see my documented tow history via XXXX ) this vehicle was towed XXXX additional times on XXXX/XXXX/XXXX, XXXX/XXXX/XXXX, and XXXX/XXXX/XXXX. I paid out of pocket for these additional tows because I did n't have 5 hours to wait for XXXX XXXX assistance which is exactly what took place on XXXX XXXX, XXXX when the car was towed and returned. This car is a LEMON by law and XXXX needs to withdraw a collection agency report for {$700.00}. The entire life of my lease should be returned.
07/08/2022 Yes
  • Debt collection
  • Medical debt
  • Communication tactics
  • Frequent or repeated calls
  • WA
  • 98338
 Web
This is the third company that has attempted to collect this debt. Each time, we have provided detail payments we have made to the original XXXX XXXX provider along with our request for an account statement revealing where each of our payments were applied. Our last contact was XX/XX/XXXX via email. After sending the message with our payment history and dates of previous contact, the calls stopped. Now, the third collection agency has been contacting us now. I explained the same scenario. They sent us a form to use to contest the amount. The due date is XX/XX/XXXX. Despite having sent us this form, they continue to call about every other day. They refuse to give me ( the spouse ) information, but when I call them back they give me all information so they are inconsistent in their privacy policy.
10/22/2021 Yes
  • Debt collection
  • Auto debt
  • Communication tactics
  • Used obscene, profane, or other abusive language
  • FL
  • 327XX
 Web
This company is contacting me regarding auto debt. I spoke to them on XX/XX/21 when they called from XXXX. When I spoke to them, they said that I spoke to them on XX/XX/XXXX and confirmed the debt belong sto me and that my auto insurance should have covered the amount. This is a false claim. My phone records show that I received a call from a XXXX phone number on XX/XX/XXXX, which I now know any call that shows up as " Potential Spam '' with the same first 6 digits belongs to this conpany, but I did not answer. According to 15 USC 1692e of the Fair Debt Collection Practices Act, A debt collector may not use any false, deceptive, or misleading representation or means in connection with the collection of any debt. This company has clearly violated this section.
04/24/2018 Yes
  • Debt collection
  • Auto debt
  • Attempts to collect debt not owed
  • Debt was paid
  • UT
  • 84721
 Web
XXXX XXXX is still reporting a negative balance and account on my credit. I settled this debt with the company collecting on their behalf, in XX/XX/XXXX. XXXX XXXX attorney Contacted me when I was attempting to settle said that GM advised me to call them and she gave me their number : XXXX. I called them and they told me an outside agency named VITAL is collecting on the debt now. Their number is XXXX - XXXX account number XXXX. I called that company On XX/XX/XXXXI settled the debt for {$1500.00}. It was paid and they advised me that the account was a XXXX balance. Now they won't return my calls and XXXX is still reporting on credit. I have contacted my attorney and the next correspondence will be from him if they do not fix this issue.
01/13/2018 Yes
  • Debt collection
  • Auto debt
  • Attempts to collect debt not owed
  • Debt was paid
  • SC
  • 29466
 Web
Was contacted in writing on XXXX/XXXX/XXXX by XXXX XXXX XXXX XXXX XXXX regarding a debt with XXXX XXXX XXXX. XXXX XXXX XXXX XXXX XXXX referenced a correct account number for an account that I held with XXXX XXXX, and referenced an outstanding debt of XXXX. I have written confirmation from XXXX XXXX XXXX that my auto loan was paid in full effective XXXX XXXX - it appears that XXXX XXXX XXXX XXXX XXXX gained the information about my automotive loan through a review of my credit file via the XXXX XXXX XXXX XXXX ( found via a review of my credit reports completed on XXXX/XXXX/XXXX ). I have written a notification to dispute the validity of this debt, and will be sending it via certified mail within the next 1-2 days.
03/09/2018 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Incorrect information on your report
  • Information belongs to someone else
  • TX
  • 77086
 Web
XX/XX/XXXX - I sent notification of dispute by mail to the company. I did not receive any documentation from the company with proof of the debt. I received only a response stating that the debit was valid. XX/XX/XXXX - I sent notification of dispute to all three credit bureaus. XXXX, XXXX, and XXXX. I received no documentation from either bureau with proof of this debt. I only received a response from XXXX and XXXX that the debit was valid and would remain on my credit. XXXX removed the debit from my credit report. XX/XX/XXXX - The item remains on my credit report, and I am currently receiving harassing phone calls from their collection agency ( Vital Recovery Services , LLC ) at my place of employment.
07/06/2016 Yes
  • Debt collection
  • Other (i.e. phone, health club, etc.)
  • Taking/threatening an illegal action
  • Seized/Attempted to seize property
  • HI
  • 967XX
 Web
VRS debited checking account without approval and failed to provide a refund of funds illegally debited from bank account. Account Number : XXXX Problem Date : XXXX XXXX 2016 VSR Reps : XXXX and XXXX XXXX Was told to FAX ( XXXX ) XXXX bank statement showing where money was withdrawn. Did so, phoned company to verify receipt. XXXX, told me her XXXX said, money was debited due to online payment. I told her, I never made an online payment for XX/XX/XXXX. She said, she would bring the attention to upper management for their resolution. I said, I was calling my bank to stop payment on the unauthorized payment, then filing a complaint with the XXXX and Federal Trade Commission due to Illegal collection practice
10/17/2017 Yes
  • Debt collection
  • Mortgage debt
  • Attempts to collect debt not owed
  • Debt was paid
  • FL
  • 33134
 Web
1. Around XXXX 2017 & before we started to get notices in mail & calls attempting to collect a debt that has already been satisfied with XXXX XXXX attached will be the 3 recorded satisfactions/release while the judgement on this mortgage was left opened. 2. This predator/debt collector XXXX XXXX XXXX, XXXX was told several times the debt was paid but continued with their harassment of us. We even made the mistake of offering them an amount to settle which they claimed was being presented to XXXX XXXX & took time to approve, so they would leave us alone while also providing last 2 years IRS Form XXXX which XXXX XXXX told us was OK to release to them their attorney.
05/07/2015 Yes
  • Debt collection
  • I do not know
  • Communication tactics
  • Called after sent written cease of comm
  • FL
  • 32937
 Web
There name is vital recovery systems I asked for there address because they were calling XXXX to XXXX times a day for a debt I never heard of or owe.I sent them a letter telling them to cease the calls there leaving messages on a business number and stating that they were a collection company using the number XXXX.Now when I pick up the phone is makes it seem like I was placing the call and says " I 'm sorry we can not connect you we are experiencing technical difficulties '' They have harassed me for weeks! The people that call are very rude and sometimes they call back with a false caller ID number from my area.
08/29/2016 Yes
  • Debt collection
  • Auto
  • Improper contact or sharing of info
  • Talked to a third party about my debt
  • OH
  • 441XX
 Web Servicemember
A creditor sent me a fraudulent bill for {$1800.00} in XXXX XXXX. I sent the creditor a letter to cease all communications and confirmed that I disputed the charges. See attached letter. The letter was sent certified and the United States Post Office records confirm it was received by the creditor. Recently, I received a letter dated on XXXX XXXX, XXXX to attempt to collect the fraudulent charges. According to the Fair Debt Collection Act, a debt collector can not contact me since the original creditor was notified. Note that this is INDISPUTABLY a violation of federal law.
07/20/2016 Yes
  • Debt collection
  • I do not know
  • Cont'd attempts collect debt not owed
  • Debt is not mine
  • NC
  • 27560
 Web
Vital Recovery Services has called me at least XXXX times. I spoke with a manager who informed me that the calls were in error and they were managed by basically a " robot ''. She promised my number would be removed. My number was not removed so I called again. I spoke with another person who assured me there was an error and that my number " was n't even on their books ''. I 'm still being called daily ( often twice daily ). This is disrupting my life and business since my phone is a critical part of my business as I 'm self employed. Vital Recovery Services- XXXX
04/18/2016 Yes
  • Debt collection
  • I do not know
  • False statements or representation
  • Attempted to collect wrong amount
  • FL
  • 33401
 Web Older American
I am contacted daily by vital finance recovery! I do n't owe anyone money & there is no debt. If I call them back they say they do n't have my number & I tell them that I am reporting them to the FCC for harassment. I have been on the do not call list for years, I am harassed daily with vm from this company threatening that this is a debt collector and must collect a debt or I will be prosecuted. They claim I have received a number in the mail from them which is not true. They are rude & deny they have my number to call but my phone tells a different story.
04/18/2022 Yes
  • Debt collection
  • Auto debt
  • Communication tactics
  • You told them to stop contacting you, but they keep trying
  • NJ
  • 07724
 Web
The debt in question was with XXXX. The dealership where we leased did agree to absorb the debt in lieu of leasing a new vehicle with the same company. We have explained this to the agency that is attempting to collect this debt and requested that they contact the dealership directly. They refused. They refuse to hear anything we are saying. It is not my job to make sure that the proper agency received the proper paperwork from a different agency altogether. I signed a contract with XXXX of XXXX and they agreed to handle this. They did not.
05/06/2018 Yes
  • Debt collection
  • Auto debt
  • False statements or representation
  • Attempted to collect wrong amount
  • GA
  • 30213
 Web
I received a settlement agreement from XXXX XXXX XXXX XXXX XXXX for a debt with XXXX XXXX XXXX XXXX. When I spoke to a representative from VRS, they confirmed that if I paid the settlement amount the account would be considered paid in full and removed from my credit report. I paid the amount on XX/XX/XXXX but I received a letter from XXXX XXXX XXXX XXXX that I had to pay another {$180.00} and as of today, the account still shows on my credit report. I would like the account removed as promised.
06/02/2015 Yes
  • Debt collection
  • Auto
  • Cont'd attempts collect debt not owed
  • Debt was paid
  • IL
  • 60605
 Web
In XXXX 2014 I entered into a settlement agreement with Vital Recovery. The terms included making XXXX of the past due balance and the account will be settled. Terms also included removing past negative marks and tradelines on my credit report. XXXX XXXX has completely removed the prior payment history on XXXX however they have not honored the agreement to remove the tradeline from XXXX, XXXX and XXXX. It 's been a year and I would like the credit reports updated immediately per the settlement.
01/16/2019 Yes
  • Debt collection
  • I do not know
  • Communication tactics
  • Frequent or repeated calls
  • PA
  • 19146
 Web
Vital recovery services has called and texted me multiple times per day including early mornings on weekends. Service rep refuses to describe what debt is owed and in what amount. I check my credit reports regularly and I have no outstanding debts and am not in collections status with any financial service or vendor. These attempts to collect a debt are fraudulent and meet the legal definition of harassment in addition to violating several statutes of the consumer protection act.
01/23/2020 Yes
  • Debt collection
  • Other debt
  • Communication tactics
  • Frequent or repeated calls
  • TX
  • 78747
 Web
Company repeatedly calls and does not leave a voicemail. When calls are answered, calls are disconnected without any communication. I was finally able to return a call on XXXX and advised the agent to suspend communications for 6 months. They called me back later that day, again, call was disconnected with no communication. Company tends to call 3-4 times a day. This has been going on since XXXX. They are also calling from XXXX, XXXX, XXXX, XXXX
10/30/2015 Yes
  • Debt collection
  • I do not know
  • Cont'd attempts collect debt not owed
  • Debt is not mine
  • IL
  • 60137
 Web Older American, Servicemember
I get calls on average 15-20 times a day from Vital Recovery Services XXXX. I have no debts. I 'm 85 years old and they are calling me about a debt that one of my children supposedly has. They all have their own homes and phone # 's, and if one of them had a debt in collection, which they tell me they do n't, the calls this debt collector is making should be to them not me. I 've told them this in the past and yet they continue to call me.
01/12/2017 Yes
  • Debt collection
  • Auto
  • Disclosure verification of debt
  • Not given enough info to verify debt
  • IL
  • 60201
 Web
i sent a certified letter to vital on XXXX XXXX and it was signed for on XXXX XXXX i requested validation ( a signed contract showing i have done business with, owe money to etc ). 30 days have passed and all i recieved was documents from another customer of theirs. vital has broken the law by not sending me what i requested in the 30 days required and broken the law by sending me another customers confidential info
01/31/2019 Yes
  • Debt collection
  • I do not know
  • Communication tactics
  • Frequent or repeated calls
  • CA
  • 95747
 Web
They call about 5 times a day, early in the morning on weekends. My phone only rings once because its a robo dial but the name and number still pop up on my tv. Vital Recovery XXXX I called the number to have them take me off their do not call back list. The gal said " don't you wan to know what personal business this is? '' I said " NO, and that if there is a problem, I should receive something in the mail. ''
07/10/2018 Yes
  • Debt collection
  • I do not know
  • Attempts to collect debt not owed
  • Debt is not yours
  • TX
  • 781XX
 Web
Robo phone message. Called back phone number supplied and no one answered. Have been receiving these calls 4 times a day. When I answer the phone no one is on the line. They continue to tie up my phone line for several minutes with no one answering. I do not know who Vital Recovery is and have no outstanding debts to anyone. Their number supplied to me was XXXX. This has been going on for several months now.
03/09/2021 Yes
  • Debt collection
  • Medical debt
  • Attempts to collect debt not owed
  • Debt is not yours
  • KY
  • 40383
 Web
Collection company contacted me about a medical debt from two years ago for an emergency visit. I explained to them that I always had insurance and my emergency room copay was {$250.00}. They told me I owe {$1500.00}. I provided them with my insurance information. They did not reply to the information I provided via email to the representative that contacted me, and after a couple of weeks resumes calling me.
05/09/2017 Yes
  • Debt collection
  • Auto debt
  • Attempts to collect debt not owed
  • Debt was paid
  • NY
  • 10028
 Web
Vital Recovery Services , a debt collection agency, keeps calling me to collect on a matured auto lease. I have informed them multiple times that the account has been paid in full and closed ( which I confirmed with auto fina nce company ), but t hey will not listen and keep calling to hassle me. I told them to contact the auto finance company directly to sort out the issue, but they have refused to do so.
04/21/2015 Yes
  • Debt collection
  • Auto
  • Communication tactics
  • Called outside of 8am-9pm
  • HI
  • 96706
 Web Servicemember
Vital Recovery had contacted me several weeks ago, outside the hours of XXXX and XXXX. At that time I advised them that although I have an XXXX phone number I actually live in Hawaii. I advised and confirmed with them my physical address, and advised them that I do not wish to receive calls outside the XXXX to XXXX window. Today XXXX/XXXX/2015 I received a phone call from them at XXXX XXXX XXXX Time.
11/06/2016 Yes
  • Debt collection
  • Auto
  • Cont'd attempts collect debt not owed
  • Debt is not mine
  • TX
  • 77706
 Web
I have been contacted by this company numerous times over the last 3 months via mail and phone regarding a debt that is not mine. I have sent XXXX certified letters explaining the debt is not mine. I have also spoken to an agent and given all the required information to show that this is not my debt. I have not received a decision.
05/08/2017 Yes
  • Debt collection
  • I do not know
  • Communication tactics
  • Frequent or repeated calls
  • WA
  • 98406
 Web
I 've received two calls, one o n Thursday XXXX XXXX at XXXX XXXX and one t oday XXXX XXXX at XXXX XXXX . Both times they left a voicemail saying, " We have an important message from XXXX XXXX XXXX this is a call from a debt collector please call XXXX . '' I have no debts. This is a scam
04/09/2020 Yes
  • Debt collection
  • Other debt
  • Communication tactics
  • Frequent or repeated calls
  • TX
  • 79925
 Web
OnXX/XX/XXXX company was contacted by me by letter for them to contact agency who is handling my debt. On XX/XX/XXXX I again I contacted them by letter indicating to them to contact the agency I had hired to resolve the debt. I continue to received calls from them when they have informed of who they should be contacting.
01/18/2017 Yes
  • Debt collection
  • I do not know
  • Cont'd attempts collect debt not owed
  • Debt is not mine
  • NC
  • 280XX
 Web Older American
I get a call from Vital Recovery every day. The number is XXXX. They are trying to collect a debt from XXXX XXXX. There is no XXXX XXXX associated with my phone number. I have repeatedly told everyone who calls to remove my number because there is no XXXX XXXX at my number. Still the calls continue literally EVERY day.
06/18/2019 Yes
  • Debt collection
  • Credit card debt
  • Threatened to contact someone or share information improperly
  • Talked to a third-party about your debt
  • MA
  • 02360
 Web Servicemember
I sent them a letter to not call any phone numbers, home, work and cell. Now they are calling my employer and leaving detailed message about my debt. XXXX XXXX XXXX ext XXXX ... ... told them on the phone twice to stop calling me at work. Time to report them for harassing me at work when told not to.
05/31/2018 Yes
  • Debt collection
  • I do not know
  • Communication tactics
  • Frequent or repeated calls
  • MI
  • 48239
 Web
They call multiple times a day, every day. I don't know what they are trying to collect other than it says XXXX XXXX XXXX. I lost my job in XX/XX/XXXX and in the process of obtaining a new one. The calls are are annoying, repetitive, and flood my voicemail.I am also registered on the Do Not Call list.
04/01/2016 Yes
  • Debt collection
  • I do not know
  • Cont'd attempts collect debt not owed
  • Debt is not mine
  • HI
  • 967XX
 Web
I 've received 10 calls in the past 22 days from Vital Recovery Services with a recorded message to call a number about a debt. I 've called and verified I am not the person they are calling for and I do not know the person. They said they would remove my phone number but I continue to receive calls.
01/25/2018 Yes
  • Debt collection
  • I do not know
  • Attempts to collect debt not owed
  • Debt is not yours
  • NY
  • 11731
 Web
I kept getting call from XXXX XXXX. I have NO debt of any kind whatsoever and a credit rating of XXXX. I have blocked their number but they continue to call and leave the same canned voicemail message. This is harassment and must stop. I received the latest call at XXXX today, X/XX/2018 from XXXX.
03/10/2017 Yes
  • Debt collection
  • I do not know
  • Communication tactics
  • Frequent or repeated calls
  • TX
  • 79912
 Web
Calls every day, once every hour, to my workplace without leaving messages. I had to do reverse lookup. This harassment could get me fired. My debts are being handled by a debt resolution service and I provided that contact information to all debtors.
07/30/2020 No
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Incorrect information on your report
  • Account information incorrect
  • NY
  • XXXXX
 Web
Today XX/XX/2020 I have reviewed my credit and found that XXXX XXXX reflects a balance due of {$1200.00} although I had settled this account back on XX/XX/2020. XXXX hired Vital Recovery Services , LLC and we settled this debt on XX/XX/2020 at {$850.00}.
04/06/2016 Yes
  • Debt collection
  • I do not know
  • Cont'd attempts collect debt not owed
  • Debt is not mine
  • CA
  • 93105
 Web Older American, Servicemember
I strongly suspect that Vital Recovery Services sold my " debt '' after I informed them that no one at my phone number had any overdue debts and that their calls had to stop. Subsequently, XXXX XXXX started years of harassing phone calls to my number.
05/13/2021 No
  • Debt collection
  • Medical debt
  • Communication tactics
  • Frequent or repeated calls
  • NE
  • 68135
 Web
They have called my place of work multiple times after almost two months of me telling them to put me on the do not call list. I can try to have my boss pull the call log for the past two months if necessary to get them to stop calling me!
09/26/2017 Yes
  • Debt collection
  • Other debt
  • Attempts to collect debt not owed
  • Debt is not yours
  • TX
  • 77449
 Web
VIOLATION OF MY CRA RIGHT SENDING BILLS THAT I DO NOT OWE THE CREDIT BUREAU ALL TOOK THEM OFF AND ARE SATISFIED THAT I DO NOT OWE MONEY ON A LEASE THAT HAS GAP INSURANCE I SENT ALL THE REQUIRED DOC 'S TO ALL COMPANIES INVOLVED
02/12/2016 Yes
  • Debt collection
  • I do not know
  • Communication tactics
  • Frequent or repeated calls
  • NJ
  • 085XX
 Web
Frequent messages from Vital Recovery Debt Services ( XXXX ) made to my cell phone asking me to get in touch with them. I have no outstanding debts of concern. We are financially solvent. I suspect this was a phishing call.
07/03/2017 Yes
  • Debt collection
  • I do not know
  • Communication tactics
  • Frequent or repeated calls
  • MD
  • 21075
 Web
Vital Recovery services ( XXXX ) is repeatedly calling me-atleast 15 times a day. I do not owe any money to any company/services. They are harassing me at all times of the day.
06/26/2018 Yes
  • Debt collection
  • I do not know
  • Communication tactics
  • Frequent or repeated calls
  • AR
  • 72704
 Web Servicemember
Vital recovery makes repeated phone calls during the same day. I have asked them to stop. Today they made phone calls back to back, two minutes apart. This is harassment!
08/27/2016 Yes
  • Debt collection
  • Other (i.e. phone, health club, etc.)
  • Communication tactics
  • Frequent or repeated calls
  • IN
  • 47630
 Web
Vital Recovery Service will call my cellphone 3 to 4 times a day. Monday thru Saturday. Once I even received a call on Sunday.
07/21/2015 Yes
  • Debt collection
  • I do not know
  • Communication tactics
  • Frequent or repeated calls
  • NY
  • 145XX
 Web
They have been calling since XXXX and in a matter of 3 hours have called 5 times and left 2 messages.
09/28/2021 No
  • Credit reporting, credit repair services, or other personal consumer reports
  • Other personal consumer report
  • Incorrect information on your report
  • Public record information inaccurate
  • IL
  • 60085
 Web
08/20/2021 Yes
  • Debt collection
  • Auto debt
  • Communication tactics
  • You told them to stop contacting you, but they keep trying
  • FL
  • 33024
 Web
07/21/2021 No
  • Debt collection
  • Medical debt
  • Written notification about debt
  • Didn't receive enough information to verify debt
  • TX
  • 77036
 Web
07/01/2021 Yes
  • Debt collection
  • Auto debt
  • Took or threatened to take negative or legal action
  • Threatened to sue you for very old debt
  • NC
  • 27910
 Web
06/03/2021 No
  • Debt collection
  • Auto debt
  • Attempts to collect debt not owed
  • Debt was paid
  • NY
  • 11203
 Web
11/04/2020 Yes
  • Debt collection
  • I do not know
  • Attempts to collect debt not owed
  • Debt is not yours
  • NE
  • 68046
 Web
09/16/2020 Yes
  • Debt collection
  • Auto debt
  • Written notification about debt
  • Didn't receive notice of right to dispute
  • GA
  • 30092
 Web
07/28/2020 No
  • Vehicle loan or lease
  • Lease
  • Problems at the end of the loan or lease
  • Excess mileage, damage, or wear fees, or other problem after the lease is finished
Phone
06/30/2020 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
  • NJ
  • 07030
 Referral
06/04/2020 No
  • Debt collection
  • Auto debt
  • Attempts to collect debt not owed
  • Debt is not yours
  • CA
  • 91396
 Referral
12/10/2019 Yes
  • Debt collection
  • I do not know
  • Attempts to collect debt not owed
  • Debt is not yours
  • AL
  • 35160
 Web
08/11/2019 Yes
  • Debt collection
  • Auto debt
  • Attempts to collect debt not owed
  • Debt was paid
  • MO
  • 64640
 Web
07/05/2019 Yes
  • Debt collection
  • I do not know
  • Written notification about debt
  • Didn't receive enough information to verify debt
  • FL
  • 34655
 Referral
05/27/2019 Yes
  • Debt collection
  • Auto debt
  • Attempts to collect debt not owed
  • Debt was paid
  • VA
  • 23703
 Web
05/08/2019 Yes
  • Debt collection
  • Credit card debt
  • False statements or representation
  • Attempted to collect wrong amount
  • TN
  • 37167
 Web
04/22/2019 Yes
  • Debt collection
  • Auto debt
  • False statements or representation
  • Attempted to collect wrong amount
  • NY
  • 11717
 Referral
04/15/2019 Yes
  • Debt collection
  • Auto debt
  • Communication tactics
  • Frequent or repeated calls
  • NY
  • 11023
 Web
04/10/2019 Yes
  • Debt collection
  • Other debt
  • Written notification about debt
  • Didn't receive enough information to verify debt
  • MD
  • 21236
 Web Servicemember
02/21/2019 Yes
  • Debt collection
  • Auto debt
  • Written notification about debt
  • Didn't receive enough information to verify debt
  • MA
  • 01602
 Web
01/29/2019 Yes
  • Debt collection
  • I do not know
  • Communication tactics
  • Frequent or repeated calls
  • CA
  • 90604
 Web
01/25/2019 Yes
  • Debt collection
  • Auto debt
  • Communication tactics
  • Used obscene, profane, or other abusive language
  • NY
  • 10469
 Web
01/14/2019 Yes
  • Debt collection
  • Auto debt
  • Communication tactics
  • Frequent or repeated calls
  • OH
  • 45801
 Web
12/13/2018 Yes
  • Debt collection
  • Auto debt
  • Communication tactics
  • Frequent or repeated calls
  • NJ
  • 07081
 Web
11/21/2018 No
  • Debt collection
  • Payday loan debt
  • Communication tactics
  • Frequent or repeated calls
  • VA
  • 23188
 Web
11/20/2018 Yes
  • Debt collection
  • Auto debt
  • Written notification about debt
  • Didn't receive enough information to verify debt
  • NJ
  • 07003
 Web Servicemember
07/03/2018 Yes
  • Debt collection
  • Other debt
  • Written notification about debt
  • Didn't receive enough information to verify debt
  • NJ
  • 07645
 Referral
06/11/2018 Yes
  • Debt collection
  • Auto debt
  • Written notification about debt
  • Didn't receive enough information to verify debt
Phone
03/27/2018 Yes
  • Debt collection
  • I do not know
  • Communication tactics
  • Frequent or repeated calls
  • GA
  • 31069
 Web
02/24/2018 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Incorrect information on your report
  • Account information incorrect
  • GA
  • 30260
 Web
11/20/2017 Yes
  • Debt collection
  • Other debt
  • Took or threatened to take negative or legal action
  • Threatened or suggested your credit would be damaged
  • FL
  • 33017
 Web
11/07/2017 Yes
  • Debt collection
  • Auto debt
  • Communication tactics
  • Used obscene, profane, or other abusive language
  • WA
  • 98374
 Web Servicemember
10/09/2017 Yes
  • Debt collection
  • Other debt
  • Communication tactics
  • Frequent or repeated calls
  • SC
  • 29645
 Web
08/31/2017 Yes
  • Debt collection
  • Other debt
  • Written notification about debt
  • Didn't receive enough information to verify debt
  • TX
  • 77511
 Referral
04/12/2017 Yes
  • Debt collection
  • Other (i.e. phone, health club, etc.)
  • Disclosure verification of debt
  • Not given enough info to verify debt
  • NY
  • 10033
 Referral
04/10/2017 Yes
  • Debt collection
  • Credit card
  • Cont'd attempts collect debt not owed
  • Debt is not mine
  • KS
  • 66208
 Web Older American, Servicemember
04/03/2017 Yes
  • Debt collection
  • Auto
  • Cont'd attempts collect debt not owed
  • Debt is not mine
  • CA
  • 91401
 Referral
02/27/2017 Yes
  • Debt collection
  • Auto
  • Cont'd attempts collect debt not owed
  • Debt is not mine
  • NY
  • 11755
 Web Older American
01/17/2017 Yes
  • Debt collection
  • Other (i.e. phone, health club, etc.)
  • False statements or representation
  • Indicated committed crime not paying
  • VA
  • 20147
 Web Older American
10/17/2016 Yes
  • Debt collection
  • Credit card
  • Disclosure verification of debt
  • Not given enough info to verify debt
  • TX
  • 78737
 Postal mail
09/21/2016 Yes
  • Debt collection
  • Credit card
  • Cont'd attempts collect debt not owed
  • Debt is not mine
  • FL
  • 33433
 Web
08/18/2016 Yes
  • Debt collection
  • Auto
  • Cont'd attempts collect debt not owed
  • Debt was paid
  • CA
  • 91606
 Web
08/16/2016 Yes
  • Debt collection
  • Auto
  • Cont'd attempts collect debt not owed
  • Debt was paid
  • LA
  • 70448
 Referral
08/11/2016 Yes
  • Debt collection
  • Auto
  • Communication tactics
  • Frequent or repeated calls
  • IL
  • 60603
 Referral
07/06/2016 Yes
  • Consumer Loan
  • Title loan
  • Lender repossessed or sold the vehicle
  • GA
  • 30310
 Web
06/24/2016 Yes
  • Debt collection
  • Other (i.e. phone, health club, etc.)
  • Communication tactics
  • Frequent or repeated calls
  • NY
  • 10314
 Web
06/03/2016 Yes
  • Debt collection
  • I do not know
  • Cont'd attempts collect debt not owed
  • Debt resulted from identity theft
  • WV
  • 25311
 Web Older American
05/05/2016 Yes
  • Debt collection
  • I do not know
  • Communication tactics
  • Frequent or repeated calls
  • NY
  • 14223
 Referral
04/29/2016 Yes
  • Debt collection
  • I do not know
  • Communication tactics
  • Frequent or repeated calls
  • AZ
  • 85710
 Phone Older American, Servicemember
04/26/2016 Yes
  • Debt collection
  • Credit card
  • Cont'd attempts collect debt not owed
  • Debt was paid
  • VA
  • 23838
 Web
04/14/2016 Yes
  • Debt collection
  • I do not know
  • Cont'd attempts collect debt not owed
  • Debt is not mine
  • TX
  • 75044
 Web
04/01/2016 Yes
  • Debt collection
  • I do not know
  • Communication tactics
  • Frequent or repeated calls
  • KY
  • 40515
 Phone Older American
03/25/2016 Yes
  • Debt collection
  • I do not know
  • Improper contact or sharing of info
  • Talked to a third party about my debt
  • HI
  • 96761
 Phone
03/10/2016 Yes
  • Debt collection
  • I do not know
  • Improper contact or sharing of info
  • Contacted me after I asked not to
  • OK
  • 74137
 Web
03/07/2016 Yes
  • Consumer Loan
  • Vehicle lease
  • Problems when you are unable to pay
  • MD
  • 20744
 Web Servicemember
02/25/2016 Yes
  • Debt collection
  • I do not know
  • Cont'd attempts collect debt not owed
  • Debt is not mine
  • AL
  • 35055
 Web
02/17/2016 Yes
  • Debt collection
  • I do not know
  • Cont'd attempts collect debt not owed
  • Debt is not mine
  • FL
  • 33776
 Referral
02/12/2016 Yes
  • Debt collection
  • Other (i.e. phone, health club, etc.)
  • Improper contact or sharing of info
  • Contacted employer after asked not to
  • NJ
  • 07030
 Web
02/04/2016 Yes
  • Debt collection
  • Other (i.e. phone, health club, etc.)
  • Communication tactics
  • Frequent or repeated calls
  • FL
  • 33024
 Phone Older American
01/19/2016 Yes
  • Debt collection
  • Credit card
  • Communication tactics
  • Frequent or repeated calls
  • VA
  • 24073
 Postal mail
01/05/2016 Yes
  • Debt collection
  • I do not know
  • Communication tactics
  • Frequent or repeated calls
  • NJ
  • 08724
 Web
09/23/2015 Yes
  • Debt collection
  • I do not know
  • Communication tactics
  • Frequent or repeated calls
  • FL
  • 34233
 Phone Older American, Servicemember
09/16/2015 Yes
  • Debt collection
  • I do not know
  • Cont'd attempts collect debt not owed
  • Debt is not mine
  • FL
  • 34453
 Web Older American
08/25/2015 Yes
  • Consumer Loan
  • Installment loan
  • Problems when you are unable to pay
  • WA
  • 98198
 Web Older American
06/10/2015 Yes
  • Debt collection
  • Auto
  • False statements or representation
  • Attempted to collect wrong amount
  • CA
  • 91364
 Web
06/04/2015 Yes
  • Debt collection
  • Other (i.e. phone, health club, etc.)
  • Disclosure verification of debt
  • Not given enough info to verify debt
  • WI
  • 53215
 Referral
05/12/2015 Yes
  • Debt collection
  • I do not know
  • Cont'd attempts collect debt not owed
  • Debt is not mine
  • CA
  • 90034
 Web
04/09/2015 Yes
  • Debt collection
  • I do not know
  • Cont'd attempts collect debt not owed
  • Debt is not mine
  • MI
  • 48317
 Phone Older American, Servicemember
03/11/2015 Yes
  • Debt collection
  • Other (i.e. phone, health club, etc.)
  • Cont'd attempts collect debt not owed
  • Debt was paid
  • FL
  • 32359
 Web Older American, Servicemember
03/04/2015 Yes
  • Debt collection
  • Auto
  • Cont'd attempts collect debt not owed
  • Debt is not mine
  • NJ
  • 08753
 Phone Older American
02/13/2015 Yes
  • Debt collection
  • I do not know
  • Cont'd attempts collect debt not owed
  • Debt is not mine
  • PA
  • 18042
 Web
02/10/2015 Yes
  • Debt collection
  • I do not know
  • Cont'd attempts collect debt not owed
  • Debt is not mine
  • NY
  • 11758
 Web
01/31/2015 Yes
  • Consumer Loan
  • Vehicle lease
  • Problems when you are unable to pay
  • NY
  • 11795
 Web
01/23/2015 Yes
  • Debt collection
  • I do not know
  • Cont'd attempts collect debt not owed
  • Debt is not mine
  • TX
  • 77381
 Phone Older American
01/20/2015 Yes
  • Debt collection
  • I do not know
  • Communication tactics
  • Frequent or repeated calls
  • TX
  • 75252
 Web
12/29/2014 Yes
  • Debt collection
  • I do not know
  • Communication tactics
  • Frequent or repeated calls
  • MD
  • 21060
 Web Servicemember
12/23/2014 Yes
  • Consumer Loan
  • Vehicle lease
  • Problems when you are unable to pay
  • NJ
  • 07724
 Web Older American
12/05/2014 Yes
  • Debt collection
  • I do not know
  • Communication tactics
  • Frequent or repeated calls
  • WA
  • 99006
 Web
12/04/2014 Yes
  • Debt collection
  • I do not know
  • Cont'd attempts collect debt not owed
  • Debt is not mine
  • TN
  • 37920
 Web
12/02/2014 Yes
  • Consumer Loan
  • Vehicle lease
  • Managing the loan or lease
  • HI
  • 96706
 Web Servicemember
12/02/2014 Yes
  • Debt collection
  • I do not know
  • Cont'd attempts collect debt not owed
  • Debt is not mine
  • CA
  • 95033
 Web
11/25/2014 Yes
  • Debt collection
  • I do not know
  • Cont'd attempts collect debt not owed
  • Debt is not mine
  • FL
  • 32256
 Web
11/24/2014 Yes
  • Debt collection
  • I do not know
  • Communication tactics
  • Frequent or repeated calls
  • MI
  • 48150
 Web
11/19/2014 Yes
  • Debt collection
  • I do not know
  • Cont'd attempts collect debt not owed
  • Debt is not mine
  • OR
  • 97219
 Web
11/18/2014 Yes
  • Debt collection
  • Credit card
  • Cont'd attempts collect debt not owed
  • Debt was paid
  • CA
  • 94107
 Web
11/02/2014 Yes
  • Debt collection
  • I do not know
  • Cont'd attempts collect debt not owed
  • Debt is not mine
  • GA
  • 30224
 Web Servicemember
10/31/2014 Yes
  • Debt collection
  • Auto
  • Disclosure verification of debt
  • Not given enough info to verify debt
  • NY
  • 12550
 Referral
10/29/2014 Yes
  • Debt collection
  • Auto
  • Communication tactics
  • Frequent or repeated calls
  • CA
  • 94133
 Web
10/29/2014 Yes
  • Debt collection
  • I do not know
  • Communication tactics
  • Frequent or repeated calls
  • OR
  • 97478
 Web
10/07/2014 Yes
  • Debt collection
  • I do not know
  • Cont'd attempts collect debt not owed
  • Debt is not mine
  • CA
  • 93536
 Web Servicemember
10/01/2014 Yes
  • Debt collection
  • Medical
  • Cont'd attempts collect debt not owed
  • Debt was paid
  • GA
  • 30080
 Web
09/29/2014 Yes
  • Debt collection
  • I do not know
  • Communication tactics
  • Called after sent written cease of comm
  • FL
  • 32804
 Web
09/26/2014 Yes
  • Debt collection
  • Credit card
  • False statements or representation
  • Attempted to collect wrong amount
  • NY
  • 11375
 Web
09/24/2014 Yes
  • Debt collection
  • I do not know
  • Cont'd attempts collect debt not owed
  • Debt is not mine
  • WI
  • 53219
 Web Older American
09/23/2014 No
  • Debt collection
  • Auto
  • Cont'd attempts collect debt not owed
  • Debt was paid
  • NC
  • 27265
 Web
09/21/2014 Yes
  • Debt collection
  • I do not know
  • Cont'd attempts collect debt not owed
  • Debt is not mine
  • NY
  • 14094
 Web Older American
09/17/2014 Yes
  • Debt collection
  • I do not know
  • Communication tactics
  • Frequent or repeated calls
  • DE
  • 19958
 Phone Older American
09/12/2014 Yes
  • Debt collection
  • Auto
  • Improper contact or sharing of info
  • Contacted me after I asked not to
  • CA
  • 94549
 Web
09/08/2014 Yes
  • Debt collection
  • I do not know
  • Cont'd attempts collect debt not owed
  • Debt is not mine
  • FL
  • 33983
 Web Older American
09/04/2014 Yes
  • Debt collection
  • Auto
  • Disclosure verification of debt
  • Not given enough info to verify debt
  • RI
  • 02812
 Referral
08/26/2014 Yes
  • Debt collection
  • I do not know
  • Cont'd attempts collect debt not owed
  • Debt is not mine
  • CA
  • 90019
 Phone
08/21/2014 Yes
  • Debt collection
  • I do not know
  • Improper contact or sharing of info
  • Talked to a third party about my debt
  • FL
  • 32082
 Web
08/13/2014 Yes
  • Debt collection
  • I do not know
  • Cont'd attempts collect debt not owed
  • Debt is not mine
  • CA
  • 90275
 Web
08/05/2014 Yes
  • Debt collection
  • I do not know
  • Cont'd attempts collect debt not owed
  • Debt is not mine
  • NE
  • 68623
 Web Older American, Servicemember
07/30/2014 Yes
  • Debt collection
  • Credit card
  • Cont'd attempts collect debt not owed
  • Debt was paid
  • CA
  • 94509
 Phone
07/28/2014 Yes
  • Debt collection
  • I do not know
  • Improper contact or sharing of info
  • Contacted me after I asked not to
  • TX
  • 79705
 Web
07/27/2014 Yes
  • Debt collection
  • I do not know
  • Cont'd attempts collect debt not owed
  • Debt is not mine
  • TX
  • 75007
 Web
07/25/2014 Yes
  • Debt collection
  • I do not know
  • Cont'd attempts collect debt not owed
  • Debt is not mine
  • CA
  • 90077
 Web Older American
07/24/2014 Yes
  • Debt collection
  • I do not know
  • Taking/threatening an illegal action
  • Threatened arrest/jail if do not pay
  • WA
  • 98133
 Web Older American
07/18/2014 Yes
  • Debt collection
  • I do not know
  • Cont'd attempts collect debt not owed
  • Debt is not mine
  • OH
  • 44116
 Web
07/17/2014 Yes
  • Debt collection
  • I do not know
  • Cont'd attempts collect debt not owed
  • Debt is not mine
  • SC
  • 29229
 Web
07/15/2014 Yes
  • Debt collection
  • Credit card
  • Cont'd attempts collect debt not owed
  • Debt is not mine
  • AK
  • 99709
 Phone
07/14/2014 Yes
  • Debt collection
  • Credit card
  • Cont'd attempts collect debt not owed
  • Debt was paid
  • UT
  • 84117
 Web Older American, Servicemember
06/29/2014 Yes
  • Debt collection
  • Other (i.e. phone, health club, etc.)
  • Cont'd attempts collect debt not owed
  • Debt is not mine
  • CA
  • 94555
 Web Older American, Servicemember
06/27/2014 Yes
  • Debt collection
  • Credit card
  • Improper contact or sharing of info
  • Contacted me after I asked not to
  • FL
  • 33803
 Web
06/19/2014 Yes
  • Debt collection
  • Auto
  • Improper contact or sharing of info
  • Contacted me after I asked not to
  • FL
  • 33076
 Web
06/13/2014 Yes
  • Debt collection
  • I do not know
  • Cont'd attempts collect debt not owed
  • Debt is not mine
  • OK
  • 74014
 Web Older American
05/19/2014 Yes
  • Debt collection
  • I do not know
  • Cont'd attempts collect debt not owed
  • Debt is not mine
  • FL
  • 33181
 Web Older American
05/04/2014 Yes
  • Debt collection
  • Auto
  • Cont'd attempts collect debt not owed
  • Debt was paid
  • FL
  • 33174
 Web Older American
04/29/2014 Yes
  • Debt collection
  • I do not know
  • Cont'd attempts collect debt not owed
  • Debt is not mine
  • FL
  • 33708
 Web Servicemember
04/25/2014 Yes
  • Debt collection
  • I do not know
  • Cont'd attempts collect debt not owed
  • Debt was paid
  • MD
  • 21144
 Web
02/21/2014 Yes
  • Debt collection
  • Credit card
  • Communication tactics
  • Frequent or repeated calls
  • TX
  • 78245
 Web
02/11/2014 Yes
  • Debt collection
  • Medical
  • Cont'd attempts collect debt not owed
  • Debt is not mine
  • CT
  • 06401
 Web
02/10/2014 Yes
  • Debt collection
  • I do not know
  • Communication tactics
  • Frequent or repeated calls
  • GA
  • 31093
 Phone
01/17/2014 Yes
  • Debt collection
  • I do not know
  • Cont'd attempts collect debt not owed
  • Debt is not mine
  • CA
  • 93535
 Web Older American
01/14/2014 Yes
  • Debt collection
  • Auto
  • Cont'd attempts collect debt not owed
  • Debt was paid
  • IL
  • 60084
 Web
01/09/2014 Yes
  • Debt collection
  • Auto
  • Disclosure verification of debt
  • Not given enough info to verify debt
  • CA
  • 90025
 Fax
12/20/2013 Yes
  • Debt collection
  • Auto
  • Improper contact or sharing of info
  • Contacted me after I asked not to
  • NJ
  • 07843
 Web
12/12/2013 Yes
  • Debt collection
  • I do not know
  • Improper contact or sharing of info
  • Contacted employer after asked not to
  • TX
  • 75023
 Web
12/05/2013 Yes
  • Debt collection
  • I do not know
  • Cont'd attempts collect debt not owed
  • Debt is not mine
  • IL
  • 60613
 Web
11/30/2013 Yes
  • Debt collection
  • I do not know
  • Cont'd attempts collect debt not owed
  • Debt is not mine
  • AZ
  • 85086
 Web
11/26/2013 Yes
  • Debt collection
  • Auto
  • Communication tactics
  • Frequent or repeated calls
  • NY
  • 11703
 Web
11/17/2013 Yes
  • Debt collection
  • I do not know
  • Cont'd attempts collect debt not owed
  • Debt is not mine
  • CA
  • 91325
 Web
11/12/2013 Yes
  • Debt collection
  • I do not know
  • Cont'd attempts collect debt not owed
  • Debt is not mine
  • NJ
  • 08648
 Web
11/05/2013 Yes
  • Debt collection
  • I do not know
  • Cont'd attempts collect debt not owed
  • Debt is not mine
  • IL
  • 61244
 Web Older American, Servicemember
10/25/2013 Yes
  • Debt collection
  • Auto
  • Disclosure verification of debt
  • Not given enough info to verify debt
  • NY
  • 11208
 Postal mail
10/25/2013 Yes
  • Debt collection
  • I do not know
  • Cont'd attempts collect debt not owed
  • Debt is not mine
  • MI
  • 48044
 Web
10/23/2013 Yes
  • Debt collection
  • Auto
  • Taking/threatening an illegal action
  • Threatened to sue on too old debt
  • CA
  • 93291
 Web
10/04/2013 Yes
  • Bank account or service
  • Other bank product/service
  • Account opening, closing, or management
  • CA
  • 92592
 Referral
09/25/2013 Yes
  • Consumer Loan
  • Vehicle loan
  • Problems when you are unable to pay
  • NV
  • 89119
 Web
09/24/2013 Yes
  • Debt collection
  • I do not know
  • Communication tactics
  • Frequent or repeated calls
  • OH
  • 43026
 Web
09/17/2013 Yes
  • Debt collection
  • Auto
  • Communication tactics
  • Frequent or repeated calls
  • FL
  • 32961
 Web Older American, Servicemember
09/13/2013 Yes
  • Debt collection
  • Auto
  • Communication tactics
  • Frequent or repeated calls
  • UT
  • 84790
 Phone Older American
09/13/2013 Yes
  • Debt collection
  • Credit card
  • Communication tactics
  • Frequent or repeated calls
  • WA
  • 98178
 Phone Older American
09/09/2013 Yes
  • Debt collection
  • I do not know
  • Cont'd attempts collect debt not owed
  • Debt is not mine
  • MS
  • 02038
 Phone
08/18/2013 Yes
  • Debt collection
  • Auto
  • Improper contact or sharing of info
  • Contacted me after I asked not to
  • NY
  • 11021
 Referral
08/12/2013 Yes
  • Debt collection
  • Auto
  • Cont'd attempts collect debt not owed
  • Debt was paid
  • TN
  • 38506
 Phone
07/24/2013 Yes
  • Debt collection
  • I do not know
  • Communication tactics
  • Frequent or repeated calls
  • KY
  • 40013
 Phone Older American