| 03/01/2020 |
Yes |
- Debt collection
- Medical debt
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- Took or threatened to take negative or legal action
- Threatened or suggested your credit would be damaged
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Web |
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First I received a letter years ago maybe XX/XX/XXXX/XX/XX/XXXX from XXXX XXXX about a balance they claimed I had for XXXX XXXX test they stated I got done for {$1100.00}. I called to get it situated countless of times telling them that Ive ALWAYS had health insurance through XXXX XXXX XXXX XXXX ( XXXX ) and if this balance is mine I can show prof of coverage and it should be sent to the insurance company. I have never had a problem with any other medical companies!
I had and STILL HAVE 0 knowledge of this but I called my insurance company anyways and spoke to a MANAGER letting her know my plight and she indicated that I was covered and to go to XXXX and give them my card. I than gave the lady ( not sure her name now ) front desk my medical card she made a copy because she said the system was down. She stated everything will be updated and that was it. About 6 months later I get a letter form a collection agency ( not the current one ) I called and spoke to a older woman and tried to explain to her once again I have insurance and gave her the number and she states shell reach out and I never herd anything else about it. Checked my credit a few months later & seen it was on there. Then get another letter from a new company called A-1 Collections and called that company AGAIN, asking for manager I spoke to a Man at this point who said he had 0 information about my medical card given to the previous company and at that point I need to pay or my credit will be destroyed and theres nothing that can be done because I should of gave the card information before it got to collections. I tried to explain to him I did! he asked me what insurance I had I told him XXXX XXXX XXXX ( Community Plan ) he was then VERY rood and stated it will report for 7 years and I told him that I will dispute it because thats unfair I had insurance! He then askeD again, WHAT insurance do you have again? I told her XXXX he than said Oh ( very roodly ) well, have someone from XXXX call the 800 number other then that it will remain on my credit and I will show delinquents payments unless I can workout a payment arrangement NOW, I told him I was covered! This man says I speaks to people like you all the time and Im not buying that I told that man they cant call out as I have already asked if they can do a conference call but I was told they do not have the capability to make out conference calls and that its part of a HIPPA act. I felt totally dismissed & judged because the way she treated me when I told him I had XXXX. He was dismissive, condescending and ignorant.
I have been disputing this medical bill with each credit bureau every since and they have been given me a hard time even after I contacted the insurance company and asked them to send me prof I was covered when I had XXXX XXXX XXXX and sent it to them. So last year I get a letter from a new collection company that took over and I immediately called them and gave them my NEW address ( my old neighbor gave me this letter ) and told them the situation and they a woman told me to give her the phone number to XXXX, old policy number, Grp number, etc and she would take care of it, and if I dont get a call back all was cleared up and apologized for all the run around.
Nothing was every done Ive called and no one has done a thing and Ive resubmitted a new updated letter I got from XXXX SHOWING my coverage dates and still nothing has been done. Last update I got is that the collection agency stated the amount is correct. Again, I was covered and this should of never been on my credit. I dont know what else to do, no one is helping me. I was told this is my next step.
Collection agency : A-1 Collections Original creditors : XXXX XXXX XXXX Balance {$1100.00} Reported : XX/XX/XXXX Last reported : XX/XX/XXXX Responsible : Individual
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| 06/07/2016 |
Yes |
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- Cont'd attempts collect debt not owed
- Debt was paid
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Web |
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I went to XXXX XXXX XXXX XXXX XXXX XXXX ( XXXX, NJ ) on XXXX/XXXX/XXXX. I left the XXXX after waiting over 30 minutes & not even seeing a Triage nurse. I never saw the financial dept nor a physician.
In XXXX XXXX, I discovered that A-1 Collection Service ( XXXX, NJ ) had submitted to my credit report a {$29.00} balance due from XXXX a year prior ( XX/XX/XXXX ).
I immediately called A-1 Collection Service on XXXX XXXX, XXXX as I had never been notified of a bill via mail or phone call from XXXX or A-1 in the 20 months prior ( XX/XX/XXXX-XX/XX/XXXX ). I spoke with XXXX XXXX XXXX who confirmed that XXXX is alleging that I treated at their XXXX on XXXX/XXXX/XXXX and I never paid their bill. XXXX XXXX also notified me that XXXX had been billing an address that I had not lived at since XXXX XXXX ( XXXX XXXX XXXX ). I provided my correct address. Shockingly XXXX XXXX also admitted that they ( A-1 ) has never attempted to collect this debt other than report to the credit bureau due to the small dollar amount. I asked for a return call from a supervisor and was told that XXXX XXXX XXXX would be calling me. As of this date ( XXXX/XXXX/XXXX ) I have NEVER heard from anyone at A-1 Collections, not even to collect the debt.
The past 2+ months, I have been speaking with my personal insurance carrier ( XXXX XXXX XXXX XXXX XXXX ) in an effort to obtain documentation to prove that XXXX has acted inappropriately and billed for a service not owed by me.
I have spoken with XXXX XXXX XXXX Complaint and Appeals Dept many times ( XXXX ) XXXX. XXXX XXXX confirmed that in XXXX XXXX, XXXX was notified via EOB ( copy attached ) that they billed with a wrong modifier and they needed to resubmit the bill. They were also notified that there was NO SUBSCRIBER RESPONSIBILITY regardless. XXXX ignored this request and apparently continued to bill me at an incorrect address. Given this. I had no knowledge that a bill was even generated for a XXXX/XXXX/XXXX date of service. The fact that XXXX was billing an address that I had not lived at in 6 years is more proof that I was never treated in their XXXX. I have attached a letter from XXXX XXXX dated XXXX/XXXX/XXXX which confirms the information above & again that their is no subscriber responsibility. I have also attached a copy of the actual EOB sent to XXXX on XXXX XXXX, XXXX.
It is my opinion that both XXXX and A-1 Collection Service are in violation of the Fair Debt Collection Practices Act and should be fined accordingly.
XXXX was notified via EOB on XXXX/XXXX/XXXX that there was no subscriber responsibility and furthermore they needed to resubmit with a correct modifier - they ignored this request. Instead, they attempted to bill me at an address that I had not lived at since XXXX XXXX. Not receiving a response, they sent this {$29.00} bill to collections - A-1 Collection Service in XXXX XXXX.
XXXX has also been contacted by XXXX several times since XXXX XXXX & told that there is no subscriber responsibility. They have also been provided documentation. They continue to refuse to close this account with a {$0.00} balance and notify A-1. This can be verified with XXXX XXXX directly.
A-1 is also in violation as they have never attempted to collect this debt in any way since XXXX XXXX. Even upon receiving a phone call from me at which time I provided a correct address - they still failed to attempt to collect the debt to this day.
I have also been in contact with XXXX on XXXX XXXX, XXXX and spoke with a XXXX. She confirmed she saw numerous entries between XXXX and XXXX but could not give me any info as the matter was now with collections.
This issue has caused damage to my credit history and caused me to have higher loan rates and even credit denials.
Thank you for your time and consideration.
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| 03/09/2022 |
Yes |
- Debt collection
- Other debt
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- Attempts to collect debt not owed
- Debt is not yours
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Web |
Older American, Servicemember |
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1 ) XXXX XXXX ( myself ) am not an owner of XXXX XXXX XXXX XXXX NJ XXXX. None of the documentation for the services, which were paid in full at the time of service, are in my name.
2 ) XXXX XXXX XXXX billed for services beyond the 1 year of service that was agreed to.
3 ) Approximately XXXX of XXXX XXXX XXXX XXXX provide services to XXXX XXXX who signed the the proposal and paid the fee to XXXX XXXX XXXX through their representative XXXX XXXX.
4 ) I did not own this property nor lived at the property. It was occupied by a tenant who was the point of contact after the service was paid for.
5 ) XXXX of XXXX I started receiving bills, even though the service was paid for a year. XXXX XXXX XXXX had not serviced the property since XX/XX/XXXX.
6 ) From XXXX of XXXX until approximately XXXX of XXXX, I called and spoke to XXXX and I believe XXXX, disputing that I owed this money multiple times, and asked that XXXX XXXX who I was told was in charge of billing to call me and discuss why I was receiving these bills. I left messages for her at least 5 times and also asked for XXXX XXXX to call me. Never once was I provided with proof of why I owed this money. Never once did either one of these individuals nor anyone else from this company returned my call. I was told the price was not quoted correctly, even though I had the signed proposal from their representative and payment for the amount was paid in full rather than the monthly installments shown on the proposal which was {$630.00}. ( XXXX per month for 1 year= {$630.00} ) 7 ) In XXXX of XXXX ( from what I was told ) the balance was referred for collection to Waterfall Revenue Group XXXX They never sent me any collection letter. I found out through my credit monitoring service that I had a collection on my credit report and that my score had dropped over XXXX points.
8 ) I spoke with a XXXX XXXX at Waterfall Revenue Group ( XXXX XXXX XXXX XXXX, XXXX XXXX XXXX NJ XXXX ( XXXX ) XXXX ) on XX/XX/XXXX and explained that I wanted the collection removed from my credit report as I did not owe it, and I felt the correct procedure was not followed. He said I had to speak with XXXX XXXX XXXX directly and said the only thing he could do was mark the debt disputed.
9 ) I reached back out to XXXX XXXX XXXX on XX/XX/XXXX and again spoke with XXXX and went over all the same details I had pointed out previously. She went into further detail with me and seemed to agree I had paid the year per the proposal and confirmed that last time the property at XXXX XXXX XXXX was seen or serviced was in XXXX of XXXX. I again left messages for a return call from XXXX XXXX and XXXX XXXX, I also asked who was above both of these individuals and was told it was XXXX XXXX. I also left a message for him to call me.
Today XX/XX/XXXX I still have received a call back from neither XXXX XXXX, XXXX XXXX or XXXX XXXX.
I am requesting this account is immediately removed from collection for 2 reasons : a ) I did not contract for the service and my name was never associated with this account and I did not own the property where services were preformed and b ) the services were paid in full, and no funds are owed to this company.
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| 10/26/2021 |
Yes |
- Debt collection
- Other debt
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- Attempts to collect debt not owed
- Debt is not yours
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|
Web |
Servicemember |
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On XX/XX/2021 I ordered a XXXX XXXX Digital Piano on the Music and Arts website ( XXXX ) for {$680.00}. The digital piano would be delivered to XXXXXXXX XXXX XXXXXXXX store listed below, where I would pick it up. I was notified that the piano arrived at the XXXX store on the XXXX of XXXX. I picked up the digital piano on XX/XX/XXXX from the XXXX store. After unpacking the piano, I discovered that three keys in the center of the piano were jammed and could not be moved. I called XXXX XXXX XXXX in XXXX and explained the issue with the piano. They instructed me to bring the piano back to the store so they could order a new one. I dropped the piano off at XXXX XXXX XXXX in XXXX on XX/XX/XXXX. Since I had to return the defective piano, the store employee informed me that he would consult with the manger about delivering the piano to my home. On XX/XX/XXXX, I received an email about the piano arriving at the store. I waited for a call or email about the delivery date. Nothing was received so I reached out to the store on the XXXX of XXXX. An employee of XXXX & XXXX informed me that my replacement piano had been sold to another customer because my name was not affixed to the order. He was very polite and apologetic and informed me that the manger would call me on Monday the XXXX to make things right. That is the last communication I received from the XXXX store. On XX/XX/XXXX I contacted XXXX, and asked them to reverse the charge on my card. I received no bills or communication about a bill from the XXXX XXXX XXXX store in XXXX or their corporate office, until I received a bill and collection notice on the XXXX of XXXX. I feel that XXXX & XXXX is using the collection system to punish me for reversing the charges on my card when they failed to provide a replacement piano, sold my piano to another customer, and repeatedly failed to communicate with me about replacing the piano I returned. On XX/XX/XXXX, I called the number on the XXXX & XXXX bill, and explained the situation to XXXX no title given. She seemed to agree that I took appropriate steps and informed me that her manager would call me back the next day. Unfortunately, I didnt receive a call or email from her today. Can you assist me with this matter or provide guidance what steps I should take?
XXXX XXXX XXXX XXXX VA XXXX XXXX XXXX XXXX XXXX, VA XXXX XXXX The corporate office appears to be : XXXX & XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX MD XXXX The debt collection company is XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX NJ XXXX
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| 07/28/2015 |
Yes |
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- Communication tactics
- Used obscene/profane/abusive language
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Web |
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XXXX XXXX, 2015 I called into A-1 Collection Agency to make a payment with XXXX XXXX XXXX ( ext. XXXX ), per an agreement from the prior month, that was confirmed by XXXX ( ext. XXXX ) whereby I paid the balance of one account off that would be removed from my credit report as a courtesy, and would begin a repayment plan in the amount of $ XXXX/month on the other account, preventing negative reporting on this account. XXXX XXXX ( the only name given to me ) stated XXXX XXXX was on leave & he 's the person I would be speaking with. I proceeded to inform him of my previous discussions, and he stated that I had been reported negatively to the credit bureau. I informed him that I was told that would not occur. Then I asked if the calls were recorded, and XXXX XXXX got upset stating that he was going to hang up on me for using abusive language. Not once did I use profane, abusive, nor threatening language. I simply inquired about the different information that I had been given from the young ladies versus his statement. He declined to inform me what was abusive about my language. I was practically pleading with him because it was as if he just snapped. I informed him that he would be reported if he hung up on me for no reason, and he proceeded to do so. I called back todayXX/XX/2015 and dialed the extension of XXXX, who had assisted me a few times before, and I was cold transferred to XXXX XXXX. I did n't speak a word to him, and ended my call because it was clear to me that he has flagged my calls and are having them routed to him. He is an abusive collector who uses his tone to intimidate, speak to, and treat callers poorly. All I want to do is pay the bill. Please have this call pulled and have XXXX XXXX reprimanded for his poor and threatening behavior. His methods are abusive, and he 's playing bully collector. He did n't have to call me to collect because I was calling in to pay. He declined to allow me to speak to a supervisor, and hung up on me.
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| 09/22/2016 |
No |
- Debt collection
- Other (i.e. phone, health club, etc.)
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- Cont'd attempts collect debt not owed
- Debt resulted from identity theft
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Web |
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A-1 COLLECTIONS SVC ACCOUNT NUMBERs : XXXX XXXX/XXXX/XXXX XXXX XXXX XXXX XXXX XXXX , XXXX, XXXX XXXX PHONE : XXXX ATTENTION TO DISPUTE DEPARTMENT : Dear Sir or Madam : I am a victim of identity theft. An identity thief used my personal information without my permission to open an account several account in my name this debt is not mine. I have enclosed proof of my identity and a copy of my Identity Theft Report. In accordance with the Fair Debt Collection Practices Act, I am asking you to stop collection proceedings against me and stop communicating with me about this debt, except as the Fair Credit Reporting Act allows. I also ask that you A-1 COLLECTIONS SVC or any company associate with this account # XXXX and tell them the debt is the result of identity theft. I have enclosed a copy of the Federal Trade Commission 's police report Notice to Furnishers of Information. It explains your responsibilities under the Fair Credit Reporting Act ( FCRA ). The FCRA requires that debt collectors give an identity theft victim documents related to an account if the victim asks. Please send me copies of all records relating to the account, including : date account open all sign original contract including : Account applications made on paper, online, or by telephone Account statements or invoices Records of payment or charge slips Delivery addresses associated with the account Records of phone numbers used to activate or access the account Signatures on applications and accounts Investigators report Please send me a letter explaining what you have done to : A-1 COLLECTIONS SVC or any company associate with this account that the debt is the result of identity theft Stop collection proceedings against me Stop reporting information about the debt to credit reporting companies Provide me with the records I request Thank you for your cooperation.
Sincerely, XXXX, XXXX SOC SEC # XXXX DOB XX/XX/XXXX ADDRESS XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX
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| 05/19/2023 |
No |
- Debt collection
- Medical debt
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- Written notification about debt
- Didn't receive enough information to verify debt
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Web |
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Consumer Financial Protection Bureau Date : XX/XX/2023 RE : Disputing Debt from your Agency Acc # XXXX Waterfall Revenue Group XXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX, XXXX XXXX Dear Mr./ Mrs. Representative : I filing this complaint with the Consumer Financial Protection Bureau against Waterfall Revenue Group ( collection agency ) located at ; XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX, New Jersey. ; with the belief this agency has violated the federal consumer protection laws, including the Fair credit Reporting Act, and the Fair Debt Collection Practices Act.
On or about XX/XX/2023 I received a letter from Waterfall Revenue Group Claiming they conducted an investigation concerning an alleged outstanding balance of {$1300.00} owed to XXXX XXXX XXXX.
I initiated a validation letter to the collection agency XXXX Waterfall Revenue Group ) requesting proof of this allege bill, because I have no knowledge of it and do not recall ever having any business transaction with XXXX XXXX XXXX XXXX. Therefore, requesting that they provide me with the following information to validate the debt : Proof of the original agreement with XXXX XXXX XXXX XXXX that shows my agreement to pay the debt.
Documentation that shows the amount of the debt owed, including any interest or fees.
Proof that they are authorized to collect this debt on behalf of XXXX XXXX XXXX XXXX.
They have yet to provided me with this information. My concern in this matter is the data integrity and the associated cost that comes with this dispute.
It appears that this collection agency is not willing to comply with the Fair credit Reporting Act, including Fair Debt Collection Practices Act.
Therefore, Im submitting this complaint for further action to be taken.
Respectfully submitted.
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| 02/28/2022 |
Yes |
- Debt collection
- Medical debt
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- Written notification about debt
- Didn't receive notice of right to dispute
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Web |
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I called XXXX XXXX XXXX, as i received a court notice in the mail. As soon as i notice the court notice i reached out immediately. When i called i spoke with a XXXX She said this was from XXXX and XXXX This was the first time i was notified of any debt with there office. she gave me XXXX options to either pay XXXX XXXX and something in XXXX payments or have my day in court. I wasn't even given the payment arrangement option so i asked her if that was an option and was told yes, what can you do I explained i can pay {$50.00} a month until i looked into why my insurance never covered my visits. XXXX refuse to take my payment arrangement because it would take a year to pay off and told me to call her back later or come to court and deal with the court. She refused to take my payment arrangement. I asked for the office manager XXXX times and after the XXXX time she told me she was the office manager and still refused to help me. ( XXXX stated the call was recorded so i am sure they can verify my statement above through the recording ) XXXX was extremely unprofessional and rude and told me she didn't have time to argue with me at XXXX ; XXXX in the morning on XXXX ( XX/XX/XXXX ). i wasnt arguing anything but trying to explain to her thats what i can afford a month and she refused payment and to help me. she told me to speak with attorny at a later time or call back in the afternoon. Again she refused the payment arrangement. It was such an unprofessional conversation on her part. Again I have had ZERO communication from them. I had to XXXX the name i received when i called the court to find out why i had a letter from them
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| 09/16/2015 |
Yes |
- Debt collection
- Other (i.e. phone, health club, etc.)
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- Cont'd attempts collect debt not owed
- Debt is not mine
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Web |
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Copied and past emails to Word document as per XXXX XXXX. I was unable to upload from email.
I am filing this complaint against XXXX andA-1 COLLECTIONS SVC XXXX XXXX XXXX XXXX, NJ XXXX ( XXXX ) XXXX.
This company has place a negative report on my credit report after I tried and sent letters stating that this account does not belong to me. I will attach emails of what had taken place. I explained to them even while I was in the hospital and as they kept calling my cell phone that I was not responsible for the debt and they need a better way to help the consumer on their website. I never signed or agreed to pay for an instrument after I did a XXXX time credit card payment. I gave the billing and shipping address and other information went to the other party as agreed. I immediately explained that I made a XXXX time payment. After the payment several emails came to me and I responded that it should go to the other party giving them his email address, phone number and mailing address and the party that is responsible did so as well. He also spoke to them and he said to this day, they never sent him a bill. They contact him XXXX time and stated they will mail him a bill, that never happened. They continued to harass me in the hospital as well as while I was in recovery from surgery. My health aid would answer the phone and give them the other party name and number. I ask that they remove the negative credit collection from my report, and make their payment and contract methods better and not be so misleading.
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| 05/27/2020 |
No |
- Debt collection
- Medical debt
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- Written notification about debt
- Didn't receive notice of right to dispute
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Web |
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I dont recall when but I went to XXXX XXXX XXXX in XXXX nj with stomach pain. Upon, y arrival the doctor told me he would like to do an XXXX. I said I can not afford out of pocket costs with my insurance because it is extremely limited. The cost of my weekly deduction was XXXX dollars. It is now XXXX dollars. For one person. A bare bones plan my job offers simply to avoid the fee they would be required to pay if they did not offer it. The doctor office and my insurance company both said the procedure would cost me XXXX dollars out of pocket as long as I did it in the doctors facility. If there was anything else there would be a small fee I would be billed for. Again I asked numerous times if every person involved accepted my insurance to which I was told yes. About 4 weeks later I received a bill for over XXXX dollars. This is not a small fee. The anesthesiologist did not accept my health insurance as I was previously told they did. It was sent to waterfall revenue group. I told this doctors office before I went for this procedure I couldnt not afford a large bill with my XXXX dollar a month rent bill and a XXXX girlfriend. So it went to collection. XXXX agreed with my dispute and removed it from my credit profile. Now this company waterfall revenue group has opted to drop it onto my XXXX report causing my score to drop 40 points in one day. The doctors office lied to me. New Jersey has a no surprise bill law. This bill is the biggest surprise Ive ever gotten.
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| 07/13/2021 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
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- Incorrect information on your report
- Information belongs to someone else
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Web |
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I've been disputing fraud accounts on my credit report since XX/XX/2021. I keep sending multiple sets of letters to the bureaus and the creditors so the excuse of " we didn't get it '' doesn't happen. Furthermore, each letter is certified mail with tracking and each letter shows signed and delivered and yet the bureaus are still not taking any actions. The accounts are not showing in dispute nor are they removed from my report. The accounts always show up with different name variations and different account number variations and yet the bureaus seem to ignore the trend and let these fraud accounts affect my credit score. I have requested the investigation to be initiated and also verifiable proof to be submitted should the account claim to be mine. Not only have I not received any mail showing the verifiable proofs needed to justify the accounts to be on my report, I haven't even received any letters at all stating the investigations have begun. Per the FCRA and federal law, the process is supposed to be 30 days. 100 days later, I'm still here shelling out money for certified mail with no end in sight and no results to show. This is my last option before I take this up with my lawyers and sue for full compensations and damages incurred. Finally, it seems that when these complaints are submitted, the bureaus are using the excuse that they " can't confirm my identity '' to get away with taking no actions on my credit report. Please investigate this as well.
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| 05/05/2022 |
Yes |
- Debt collection
- Medical debt
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- Written notification about debt
- Didn't receive notice of right to dispute
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Web |
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I had a XXXX, 3rd or 4th time. My girlfriend got scared and called the ambulance. As I started snapping back from the disorientation the ambulance was pulling up and making me stand up, basically making me get into the ambulance. I said no and I didn't need it multiple times. They spoke as if I had no choice. So I took their 5 minuet ride to the XXXX. ( this was my 3rd or 4th one I knew there was nothing that the hospital could do so it was pointless to go. But they basically made me take the 5 minuet ride. didn't give me anything that I can remember because im not XXXX. So there really isn't anything to treat me for. And I never received any notice. Did not know I could dispute it. I spoke with them and they claimed " I signed for it '' with I don't remember. And they could not produce proof of my signature or anything when I called and asked.
So basically they forced me to take a 5 minuet ride for no reason to the hospital. apparently " made me sign something '' that I do not remember at all sop I had to have been groggy and disoriented. And then failed to show me proof that I in fact signed Watever they're talking about.
There's no way I would consciously pay XXXX for a non emergency ride to the ER for no reason.
I was stabbed before and tried to drive myself to ER and refuse the ambulance ride ....
Doesn't make any sense.
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| 09/28/2015 |
Yes |
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- False statements or representation
- Attempted to collect wrong amount
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|
Web |
Servicemember |
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I was in the hospital of XXXX XXXX. located in XXXX De. I suffered XXXX ( XX/XX/XXXX 2009 ) at the time.
XXXX XXXX requested an independent ( someone who is not assigned to XXXX XXXX XXXX XXXX XXXX XXXX XXXX assigned to my case. Prior to seeing XXXX XXXX, he called me on the telephone, where he became extremely rude and lets just say unprofessional. He followed that phone call up with a visit where I told him : " I do NOT want your services. '' I shared this with him prior to any verbal exchange when he came into my XXXX room. He persisted that he attend to me ; I let him know under no uncertain terms did I need nor want his services. He was fired. Despite my directive to him and the fact that this incident occurred 6 years ago, I found out recently that a XXXX dollar bill had been assigned to my credit report through XXXX XXXX XXXX XXXX.
This collection agency is : A1 Collection Service XXXX XXXX XXXX XXXX. XXXX XXXX. XXXX, N.J. XXXXI feel this action is unjust and completely unwarranted.
I do have documentation from XXXX that supports my claim and would be glad to submit that if needed.
The phone number to XXXX XXXX 's office ( according to the internet ) does not appear to be working.
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| 03/02/2023 |
No |
- Debt collection
- Medical debt
|
- Attempts to collect debt not owed
- Debt is not yours
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|
Web |
Older American, Servicemember |
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I saw XXXX XXXX XXXX, of XXXX XXXXXXXX XXXX. on XX/XX/2021. This was arranged by the Department of Veterans Affairs XXXX XXXX under the MISSION Act. The VA contacted the office and provided them with all the information on how and when to submit billing. The doctor was simply HORRID! And I did not return to her. The doctor I did follow-up with found many issues with my XXXX.
XXXX XXXXXXXX did not properly or timely submit their bill to VA for payment but now has referred it to Waterfall Revenue Group, a collection agency located at XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX NJ XXXX. XXXXaterfall has posted this to my credit reports.
All of these collection attempts are in direct violation of Federal Law under the MISSION Act.
I contacted Waterfall and they literally laughed. I provided them with a copy of the VA Form XXXX - Approved Referral For Medical Care which was sent to the doctor, yet they refuse to remove the item from my credit report. I have also filed 2 disputes with XXXX and provided them with a copy of the VA Form XXXX - Approved Referral For Medical Care and they refuse to remove the post only noting that I dispute it.
|
| 10/11/2015 |
Yes |
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- False statements or representation
- Attempted to collect wrong amount
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Web |
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After asking A-1 Collection Service of XXXX, NJ for copies of the original invoices from XXXX XXXX XXXX they sent me XXXX statements then sent me XXXX invoices each for the total amount. They also reported all XXXX invoices to the credit reporting agencies making it appear that a disputed amount of {$1400.00} is {$5700.00}.
The statements they sent me in proof of debt owed ( after a 3-5 year period ) have handwritten amounts due on otherwise computer generated statements.
I dispute all XXXX statements as I paid the normal office copay of {$20.00} at each visit. It appears that the hospital owning these practices has reclassified the visits as something else with multiple charges per visit.
I have contacted the insurance company I was insured with at the time of these charges and I am waiting the receipt of the Explanation of Benefits for each visit.
I am attempting to determine what amounts I paid each practitioner, but as the services were performed during XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX it is difficult to gather that information. Also, I pay bills from invoices and only received statement copies from A-1 Collection.
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| 11/29/2020 |
No |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
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- Problem with a credit reporting company's investigation into an existing problem
- Problem with personal statement of dispute
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Web |
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This is my 6th request for XXXX to simply provide the documents proofing this debt is mines with A-1 collection aka Waterfall Revenge Group. XXXX is the only credit bureaus that's keeping this debt onto my credit report .. this isn't my debt nor will you provide that it is. I have a complaint with Waterfall revenge aka A-1 collection and it has been more that 60 days and still haven't respond back with any kind of proof yet XXXX is the only credit bureau keeping this on my file. I humbly ask that XXXX respond back with the documentation to proof this debt to be mines ... Even on XXXX the debt has no collection agency name on it ... I have also called the company that Waterfall Revenge Group is saying I owe the money to and they have no record of such debt.
I have attached all documentation. Showing that only you XXXX is keeping the debt on my credit report and always how it's not being reported correctly.
I wouldn't want to take any legal actions. But, if XXXX doesn't provide documentation that is debt is mines I will do so.
There are 3 accounts {$50.00}, {$410.00} and {$200.00}
|
| 08/31/2018 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
I finished my services with # XXXX XXXX XXXX XXXX XXXX on XX/XX/XXXX when I turned in my equipment and was told that my balance was paid in full at that time. I later learned on XX/XX/XXXX a collection was placed on my credit for {$760.00} by XXXX XXXX XXXX. I tried to figure out why I was put in collections and was not able to figure that out. Later on XX/XX/XXXX I went to the service provider # XXXX XXXX XXXX XXXX XXXX where the service was provided by them previously and they were equally as confused and showed my balance was still XXXX and printed out an invoice of the latest transactions for my account. This is the invoice attached. I have still not been invoiced for the charges that were put into collections and both the person in charge of the companies charges before sent to collections and the collection agency will not give me answers as to why the debt is owed. I feel like they are taking advantage of people because in most causes the services they provide are required to maintain driving privileges.
|
| 05/26/2017 |
Yes |
- Debt collection
- Other debt
|
- Written notification about debt
- Didn't receive enough information to verify debt
|
|
Web |
Servicemember |
|
A1 debt collectors tried to collect this debt with 2 letters sent. The first letter was lost, the second I received I tried to call to understand what the debt was. I never signed a contract with the original company, and second the company HAS never sent me a bill at all. When I contacted A1 the man I spoke with would not stop talking so I could ask how I never even received a bill and now you say that I owe. I discontinued the conversation, I sent a debt validation letter asking for contracts signed, where were the bills sent that the company says they sent that I never received. When I received their reply it was nothing more than they say the company says I owe the money. I NEVER once received a bill, had I received a bill we would not be at this point. I have all the paperwork between A1 and myself, I am sending a second debt validation letter asking for the pertinent information that says I signed a c ontract with my signature and also when these so called bills were sent that I never paid.
|
| 03/10/2017 |
Yes |
|
- Cont'd attempts collect debt not owed
- Debt resulted from identity theft
|
|
Web |
|
|
I went to XXXX a few years ago for a XXXX. XXXX told me before he can look after me they would need to contact my insurance company and after he get approval of payment his office would call me and schedule a date for me to come in, I payed my copayment, and lefted the office. Two weeks later I receive a phone call from XXXX office with a date and time to come in, I went into the office payed another copayment. They told me my insurance approve my procedure and I do n't have to worry.I taught everything was fine, never heard back anything from the office, nof phone calls or anything. Now two years later I received my credit my credit report and they are charges of collection agency called A-1 COLLECTION SERVICES in regards to three sets of payments, {$660.00}, {$550.00}, {$81.00} was reported on all three credit bureau which drop my credit scores to a terriable low number, I am in the middle of purchasing my fist home, and this will harm me a great deal. Please help me.
|
| 06/09/2021 |
Yes |
- Debt collection
- I do not know
|
- False statements or representation
- Attempted to collect wrong amount
|
|
Web |
|
|
I noticed this account on my credit despite receiving no information from this company whatsoever, a violation of the FCRA. I noticed the account had assessed interest and fees, another violation, this time the FDCPA, and FCRA. I mailed them a dispute, as per my rights granted under the same laws. I first wrote a dispute to TRAF GROUP/A-1 COLLECTIONS, XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX NJ XXXX. The following month the Company changed it's name and address to WATERFALL REVENUE GROUP, XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX, NJ XXXX. Knowing they had again violated the FDCPA and FCRA, I wrote them another letter to the new address. That letter was returned to me. I have a right to dispute, I have a right to know who is reporting on my credit, and they have violated those rights. They have reported false information, they have reported inaccurate account information, and they have misreported their address, after a debt was disputed. I DEMAND JUSTICE!
|
| 09/09/2020 |
Yes |
- Debt collection
- Medical debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
Servicemember |
|
Dear Mr. or Ms. ; The debt charged to me was nefarious.
When I called 911 in the evening of XX/XX/XXXX, 2 ambulances were sent and the company that *did not* take me to the hospital ( XXXX XXXX XXXX XXXX XXXX XXXX ) XXXX followed the XX/XX/XXXX XX/XX/XXXXXXXX Ambulance ( and then got me to sign a paper in my catastrophic state at the time ).
XXXX then sent the bill to the XXXX XXXX XXXX XXXX ( who refused to pay it ) and then me a bill ( {$790.00} ) for transporting me to the hospital.
Again, XXXX XXXX XXXX XXXX took me to the hospital, not TEMS, they should have left when the XXXX XXXX XXXX XXXX arrived. I'm sure they know that no one should have to face two ambulance bills for one ride to the hospital.
I wrote letters to the VA and XXXX trying to find out the facts of why this bill was not paid and why. XX/XX/XXXX then sent my bill toXX/XX/XXXX who made my sterling credit fall nearly 100 points due to the double ambulance bill.
Sincerely~
|
| 10/13/2023 |
No |
- Debt collection
- Medical debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
On XX/XX/XXXX @ XXXXXX/XX/XXXX, I called XX/XX/XXXX to figure out why I was sent to collections because I currently was not late on payment nor defaulted on anything. I talked to one of the representatives about where the debt came from and it was from ambulance ride from XXXX I explained to him I havent been to ER since XXXX for an unrelated issue and i drove myself there. The representative explained to me the debt was attached to someone elses first and last name. The only reason he was able to look it up was from my phone number and not even through my social security, which I informed how was that even possible since it showed on my credit report. He recommended me to reach to the credit bureau to have this taken off but this can seriously ruins someones credit, falsely reporting items that arent even tied to them. Representative was a good guy tried to explain everything he could to me without giving me false information.
|
| 04/16/2018 |
Yes |
- Debt collection
- Other debt
|
- False statements or representation
- Attempted to collect wrong amount
|
|
Web |
|
|
I have contacted the original company XXXX XXXX to dispute the amount they are attempting to collect and they refused to correct the amount and referred me to deal with credit collection agency for future correspondence. I contacted XXXX collection and disputed the amount. They informed me that they would update my account as disputed and that the original debtor would have to correct the amount. Ive received nothing but miscommunication from both parties. I am disputing the amount of the debt. They are attempting to charge me as if I never paid on this account. I disputed this amount when the collection agency called me in XX/XX/XXXX about the account. The amount that should reflect as being owed is {$210.00} dollars. I made payments on this account, and even when the original debtor offered me the option to buy the instrument they told me that the buyout would be {$210.00}.
|
| 03/10/2017 |
Yes |
|
- Improper use of my credit report
- Report improperly shared by CRC
|
|
Web |
|
|
Incorrect information was entered on my credit file. XXXX is reporting payments that I do not owe. I was told by the doctor office that they have to get approval from my insurance company before he can perform the treatment. He told me once he get the approval from the insurance company his office will call me and schedule the appointment, I made my copayment and left the office, XXXX week later I receive a call from XXXX office saying my insurance approve the procedure, and that was it. Now two years later I receive a copy of my credit report with three charges from A-1 Collection Service in the amount of {$550.00}, {$660.00}, $ {$81.00}, which I have no knowledge of. I never receive a call from that office or anything saying I owe this payment. I am in the middle of purchasing a new home and now this has appear out of no where, years later, this is not fair. Please help.
|
| 10/17/2018 |
Yes |
- Debt collection
- Medical debt
|
- Written notification about debt
- Didn't receive enough information to verify debt
|
|
Web |
|
|
I began getting multiple phone calls on my cell phone on XXXX XXXX, XXXX and XXXX, XXXX as well as my wife 's cell phone asking for me.
I did return the call and it is XXXX XXXX agency telling me they are trying to collect a debit from XXXX XXXX, XXXX.
I have never received any notices regarding this in the past almost 5 years and they insist they have been sending them.
They verified my address correctly and told me they would be reporting to the credit bureaus until I paid this debt.
I have no information regarding what it is for.
They said they would mail be something and they continue to call my cell phone today twice already.
At this point, they are harrassing me and will not give me any information.
Why have they not been bothering me in 5 years and starting now?
I have had the same cell phone number since then and same address.
I fear this is a scam.
|
| 07/26/2021 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Information belongs to someone else
|
|
Web |
|
|
the accounts below, which appear on my credit report, are not mine, please check them.
Identity Theft N/A Account Number : XXXX This is not mine.
2. Identity Theft N/A Account Number : XXXX This is not mine.
3. Identity Theft N/A Account Number : XXXX This is not mine.
4. Identity Theft N/A Account Number : XXXX This is not mine.
5. Identity Theft N/A Account Number : XXXX This is not mine.
6. Identity Theft N/A Account Number : XXXX This is not mine.
Identity Theft XXXX XXXX XXXX Account Number : XXXX This is not mine.
2. Identity Theft WATERFALL REVENUE GROU Account Number : XXXX This is not mine.
3. Identity Theft WATERFALL REVENUE GROU Account Number : XXXX This is not mine.
4. Identity Theft WATERFALL REVENUE GROU Account Number : XXXX This is not mine.
Identity Theft WATERFALL RE Account Number : XXXX This is not mine.
|
| 11/17/2016 |
Yes |
|
- Communication tactics
- Used obscene/profane/abusive language
|
|
Web |
|
|
I CONTACTED A-1 COLLECTIONS IN XXXX NJ AFTER DISCOVERING A DEBT I OWED THROUGH MY CREDIT REPORT. THE REPRESENTATIVE I SPOKE TO ( XXXX XXXX ) IMMEDIATELY SHOWED AGGRESSIVE BEHAVIOR OVER THE PHONE. I FREELY SUBMITTED ALL THE INFO THAT I HAD BUT HE CONTINUED TO ACT IN THIS MANNER AND FINALLY ACCUSED ME OF NOT COOPERATING TO HANDEL THE MATTER AND PROCEEDED TO HANG UP ON ME. LET ME NOTE THAT I CALLED THEM NOT THE OTHER WAY AROUND. I FIND IT FRUSTRATING THAT I WAS BEING ACCUSED AND TREATED POORLY WHEN I WAS THE ONE TRYING TO CLEAR THE MATTER UP. THIS INDIVIDUAL SHOWED BULLING TACTICS TO EXERCISE HIS POSITION. AND SHOULD NOT BE IN A POSITION THAT DEALS WITH THESE VERY IMPORTANT MATTERS WITH THE PUBLIC. I GAVE HIM MY PERSONAL INFO AND FEAR HE MAY TAKE MEASURES TO MAKE MY LIFE AND FINANCIAL POSITION DIFFICULT IN THE FUTURE.
|
| 05/05/2022 |
Yes |
- Debt collection
- I do not know
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
PURSUANT 15 USC 3002 I AM A NATURAL PERSON MEANING MY ALL CAPS NAME ISNT ME BUT IS MY PROPERTY. MY NAME IS XXXX XXXX and I am the executrix of my estate in the name XXXX XXXX. Whereas I believe them to be a debt buyer, WATERFALL REVENUE GROUP, must operate under the FDCPA. I am requesting all DOCUMENTARY EVIDENCE including all ledgers, books of accounts, correspondence, and financial and corporate records that pertain to account XXXX. Failure to provide such documentary evidence is a clear violation of 12 cfr 1026.13 ( a ) ( 6 ) as I am invoking my right to obtain it in accordance with 15 usc 44. Notice it is a fact that I also have never given written or oral consent for this account to be furnished on my consumer report, whereas that is a violation of 15 usc 1681 ( a ) ( 4 ) because I have a right to privacy.
|
| 12/01/2021 |
Yes |
- Debt collection
- I do not know
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
PURSUANT 15 USC 3002 I AM A NATURAL PERSON MEANING MY ALL CAPS NAME ISNT ME BUT IS MY PROPERTY. MY NAME IS XXXX XXXX and I am the executrix of my estate in the name XXXX XXXX. Whereas I believe them to be a debt buyer, WATERFALL REVENUE GROUP, must operate under the FDCPA. I am requesting all DOCUMENTARY EVIDENCE including all ledgers, books of accounts, correspondence, and financial and corporate records that pertain to account XXXX. Failure to provide such documentary evidence is a clear violation of 12 cfr 1026.13 ( a ) ( 6 ) as I am invoking my right to obtain it in accordance with 15 usc 44. Notice it is a fact that I also have never given written or oral consent for this account to be furnished on my consumer report, whereas that is a violation of 15 usc 1681 ( a ) ( 4 ) because I have a right to privacy.
|
| 03/20/2019 |
Yes |
- Debt collection
- Medical debt
|
- Took or threatened to take negative or legal action
- Threatened or suggested your credit would be damaged
|
|
Web |
|
|
I spoke with this company multiple times. They once collected a payment from me on XX/XX/2018 for {$100.00} and said the payment went through and I was good. They never contacted me again. I was surprised find today when I was applying for my mortgage refinance that this company reported this debt as still in collections last month and my credit score significantly came down.
I logged in to their portal to find out that the previous payment did not go through and I had to pay this again. I paid this again and it shows the payment is processing.
This company has not been transparent about the fact that they were going to report to the credit bureau and damage my credit. I hope they can correct my credit asap so i can go through with my refinance
|
| 09/26/2018 |
Yes |
- Debt collection
- I do not know
|
- Communication tactics
- Called before 8am or after 9pm
|
|
Web |
Servicemember |
|
They keep calling my phone before XXXX XXXX and they keep calling and harassing me I told them to stop calling my phone and they keep doing it. I finally looked up their information and it is XXXX XXXX XXXX in New Jersey. When I called them asked them to stop they asked who was I to tell them to stop calling my phone as well as when i told them I would report them they told me they would report me for I dont know what because I told them I know the company information and i will report them oh that was the agent XXXX and XXXX and one more. I just need them to stop calling my phone and waking me up at XXXX or XXXX XXXX which is against the law according to the Federal debt collection practices act since 1978
|
| 03/25/2021 |
Yes |
- Debt collection
- Medical debt
|
- Attempts to collect debt not owed
- Debt was paid
|
|
Web |
Servicemember |
|
I received an alert from all three credit bureaus which are XXXX, XXXX & XXXX stating that i owe a debt to them which is false information. I have no knowledge of this debt and tried to contact this company by sending certified letter to Waterfall Revenue Grou XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NJ. And have not received any response from them. It's my right to protect my credit from people like this. I would like them to prove that i owe this debt and if they can't i need it to be removed from my credit immediately. I pride myself on paying my bills on time this is hurting my credit. They are also listed on my credit as ; WATERFALL REVENUE GROUP & A-1 Collection Service.
|
| 09/20/2022 |
Yes |
- Debt collection
- Credit card debt
|
- Attempts to collect debt not owed
- Debt was result of identity theft
|
|
Web |
|
|
No information was given regarding the account. Violates federal 15 USC 1692gf and 15 USC Section 1681 ( i ). The bureaus have it reporting different pricing and multiple inaccuracies. I never authorized or given permission for this to be reported. It's been 2 months and no information given. No medical release to collect on this debt either No information given regarding the account. Violates federal 15 USC 1692gf and 15 USC Section 1681 ( i ). The bureaus have it reporting different pricing and multiple inaccuracies. I never authorized or given permission for this to be reported. It's been 2 months and no information given. No medical release to collect on this debt either
|
| 01/15/2023 |
No |
- Debt collection
- Medical debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
Waterfall Revenue Group reported medical debt to all three credit bureaus, and I disputed them as not a debt not belonging to me. I have never received a statement, agreed to payment terms, nor signed any agreements releasing medical information to this company. The debt supposedly occurred in XXXX of 2020. There was a statement on my credit reports acknowledging my dispute of being a victim of identity theft during a disaster. On XX/XX/XXXX this year, the debt was removed from all three credit reports. Then on XX/XX/XXXX, the same collection agency added the debt as a new collection account under a different number. This is false and double reporting.
|
| 01/16/2023 |
No |
- Debt collection
- Medical debt
|
- Took or threatened to take negative or legal action
- Threatened or suggested your credit would be damaged
|
|
Web |
|
|
I was in a car accident on XX/XX/2017 and XXXX XXXX paid all my medical bills. Medical center of XXXX submitted medical claims 2 years after my accident and XXXX said they dont pay claims after 2 years after XX/XX/2017. XXXX XXXX turn the medical debt of XXXX over to Waterfall Revenue Group. I sent an email and chatted to XXXX XXXX about this issue and said XXXX doesnt pay medical claims after 2 years of an accident. I checked my credit report and I now have a collection debt for the medical claim for my XX/XX/2017 accident from Waterfall revenue Group. This medical debt is less than XXXX but it was reported on all XXXX credit reporting agencies.
|
| 03/22/2022 |
Yes |
- Debt collection
- Credit card debt
|
- Attempts to collect debt not owed
- Debt was result of identity theft
|
|
Web |
|
|
This complaint is regarding account information below that has not been investigated and no information given. Its been over 2 months with no information given to me regarding these accounts. I have no knowledge of these companies and they shouldnt be reporting as I never gave permission for the reporting per Section 1681a -I sent correspondence to the Credit Bureaus regarding this. I was never notified in writing per 15 U.S.C 1692ag prior to accounts being on my credit report, within 5 days. Moreover, these accounts violate debt collections, abusive and unfair practices per section 1692f ( 1 ) adding additional amounts.
|
| 09/28/2019 |
No |
- Debt collection
- I do not know
|
- Written notification about debt
- Didn't receive enough information to verify debt
|
|
Web |
|
|
A1 Collections aka Traf group has ignored my requests for them to validate the alleged debt they are reporting to the credit bureaus. I sent a letter asking them to validate the debt on XX/XX/2019. I received no response within 30 days I sent them a follow up letter on XX/XX/2019 asking them to delete the negative item because they failed to validate the debt within 30 days. Not only have they willfully violated the FDCPA by still reporting it but they sold my information and there is a second company named XXXX XXXX XXXX trying to collect the same amount they allege I owe to them at the same time as A1 collection.
|
| 07/14/2020 |
Yes |
- Debt collection
- Medical debt
|
- Written notification about debt
- Didn't receive notice of right to dispute
|
|
Web |
|
|
I did not receive notification that the debt was being placed with a collection agency and being reported to my credit. I also did not have the chance or ability to dispute this debt before it was reported to my credit as required under the FCRA Also after a dispute through all credit bureaus the company has failed to update the comments stating that it was being disputed as required under the FCRA.
This company also has not provided proof to substantiate the debt, or that they did as required in notifying me of the debt and my options to dispute as required under the FCRA even after I have disputed this debt.
|
| 06/03/2021 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Information belongs to someone else
|
|
Web |
|
|
These accounts don't belong to me. Please remove them form all 3 credit reporting agencies. please see below the list of accounts that are reporting derogatory on all 3 credit reporting agencies : 1. Identity Theft XXXX XXXXXXXX XXXX Account Number : XXXX This is not mine.
XXXX. Identity Theft WATERFALL REVENUE GROUP Account Number : XXXX This is not mine.
XXXX. Identity Theft WATERFALL REVENUE GROUP Account Number : XXXX This is not mine.
XXXX. The inquiry was not authorized XXXX XXXX XXXX This is not mine.
XXXX. The inquiry was not authorized XXXX XXXX XXXX XXXX This is not mine.
|
| 08/25/2021 |
No |
- Debt collection
- Medical debt
|
- False statements or representation
- Attempted to collect wrong amount
|
|
Web |
|
|
I have disputed these accounts with Waterfall Revenue, or A-1 Collection Services, or XXXX XXXX XXXX, or whatever their name might be, because the accounts appear to be duplicate accounts. I sent them a letter to ask for their clarification, and it was returned to me because their address was incorrect. They are reporting 9 accounts with the same account numbers, and the same amount of money! I am very confused, I've asked for clarification, I've received nothing at all in return, and I can not dispute the account because they don't know how to report! ALL MY RIGHTS ARE BEING VIOLATED!
|
| 04/06/2022 |
Yes |
- Debt collection
- Medical debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
Waterfall revenue group collection for {$540.00} was removed and reinserted from all 3 bureaus and I never received a reinsertion letter.
1. XXXX XXXX XXXX removed XXXX XXXX reinserted 2. XXXX XXXX XXXX removed XXXX XXXX 3. XXXX XXXX XXXX removed XXXX XXXX reinserted According to : 15 US Code 1681i - ( A ) ( 5 ) ( b ) ( ii ) If an item as erased and is reinserted afterwards, the FCRA requires that the CRA send you written notice of the reinsertion within 5 days.
I never received the reinsertion letter so I am asking that the account be permanently removed.
|
| 07/07/2020 |
No |
- Debt collection
- Other debt
|
- False statements or representation
- Attempted to collect wrong amount
|
|
Web |
|
|
My children signed up for instruments at school and ended up not wanting them anymore. I lost my job and was out of work for a while. I tried to make payments and stay current. The company sent my account to collections. They imposed fees of almost half of the debt on top of the debt, never sent me any notice about the debt and just put this on my credit, i was making payments and when i tried to contact them finally they more than doubled the amount due and will not reflect any payments i have already made to them!
|
| 01/03/2018 |
Yes |
- Debt collection
- Medical debt
|
- False statements or representation
- Attempted to collect wrong amount
|
|
Web |
|
|
The collection company is reporting 2 accounts to my credit report. One for {$200.00} and one for {$210.00}. Both from same original creditor. I have contacted original creditor and according to there records I have only had one bill ever with them and it was a workers comp claim when I was injured on the road and the total of that bill was only {$100.00}. The collection agency is attempting to collect double the money on 2 separate accounts. I have disputed the information and they say I have to pay it.
|
| 08/23/2017 |
Yes |
- Debt collection
- Medical debt
|
- Written notification about debt
- Didn't receive notice of right to dispute
|
|
Web |
Servicemember |
|
I was involved in a motor vehicle accident XX/XX/XXXX 2013 which resulted in my car being totaled. The other motorist was at fault and the police and ambulance were called. XXXX XXXX XXXX is trying to collect XXXX from me when the bill should have been submitted to my auto insurance. I have contacted XXXX XXXX and they refuse to submit to my insurance. I have contacted all XXXX credit bureaus and XXXX is the only one who refuses to remove this account my credit report.
|
| 10/19/2020 |
No |
- Debt collection
- Medical debt
|
- Written notification about debt
- Didn't receive enough information to verify debt
|
|
Web |
|
|
I have a medical collection from a practice that I have not associated for several years. At the time of my last visit with them my account was current with no debt owed. I have a collection acct on my bureaus- I was able to dispute with XXXX and it was removed, however it remains on the other bureaus. I have never once received any bill or indication of what this amount is from. I have checked with my insurance and there were no claims submitted for this time frame.
|
| 12/05/2019 |
Yes |
- Debt collection
- I do not know
|
- Attempts to collect debt not owed
- Debt was result of identity theft
|
|
Web |
|
|
Someone used my name to XXXX out a person I wasnt aware of it and Ive been paying on this debt to get it off my report because of failed disputes Ive also sent a letter for the collector A-1 collections to prove that the debt is mine but Ive yet to get a response I will no longer pay this debt because its not fair that I have to pay for something that was put on my credit due to identity theft and as I pay off the debt the company increases the amount each month
|
| 09/18/2023 |
Yes |
- Debt collection
- Medical debt
|
- False statements or representation
- Told you not to respond to a lawsuit they filed against you
|
|
Web |
|
|
My wages are being garnished. This company sent all of the correspondences to an address that was not mine for a wage garnishment. By default, the judgement was granted and the company has seen proof that this medical bill was paid. Collection agency described as " Waterfall '' or " XXXX XXXX '' has some sort of relationship with the judge in XXXX XXXX and brings their cases there. My debt was not in XXXX XXXX and I am not from XXXX XXXX.
|
| 01/09/2020 |
Yes |
- Debt collection
- Medical debt
|
- Attempts to collect debt not owed
- Debt was already discharged in bankruptcy and is no longer owed
|
|
Web |
|
|
After reviewing my report, I see that Waterfall Revenue GR, has account status " open '' on my credit report. The original creditor is XXXX XXXX XXXX XXXX. They sold the debt to " XXXX XXXX '' both creditors were added to my bankruptcy and discharged in 2017. I contacted WRG and they informed me the debt was open and the amount was over XXXX. They further informed me that they are now operating under WRG which is formerly XXXX.
|
| 05/15/2020 |
No |
- Debt collection
- Medical debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
XXXX XXXX XXXX located in XXXX, Delaware made a serious mistake double billing Social Security for 2 visits on the same day and time. XXXX XXXX cleared their mistake up and notified the collection agency Waterfall Revenue Group located at XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, NJ XXXX phone : XXXX who is fully aware of XXXX XXXX XXXX but refuse to remove the unpaid complaint from my credit report.
|
| 12/06/2017 |
Yes |
- Debt collection
- Medical debt
|
- Written notification about debt
- Didn't receive enough information to verify debt
|
|
Web |
|
|
XX/XX/2017 While looking over my recent credit report, I noticed that XXXX XXXX XXXX located at : XXXX XXXX XXXX # XXXX XXXX, NJ XXXX ( XXXX ) XXXX is reporting a collection account on my credit file in the amount of {$91.00}, yet they are not registered with the State of Delaware 's Division of Corporations to collect on a debt in Delaware.
|
| 05/26/2016 |
Yes |
- Debt collection
- Other (i.e. phone, health club, etc.)
|
- Disclosure verification of debt
- Not given enough info to verify debt
|
|
Web |
|
|
I previously sent you a letter requesting that the collection that you are erroneously reporting against me be validated or removed from my credit report. I received your response and it is not acceptable, it is vague and does not constitute any form of validation according to the FDCPA or verification according the FCRA.
|
| 08/24/2021 |
Yes |
- Debt collection
- Medical debt
|
- False statements or representation
- Attempted to collect wrong amount
|
|
Web |
|
|
Dates were XX/XX/2016 the amount was for {$180.00}. That exact date I provided them with a receipt where I paid {$88.00} at time of service so the amount that they are reporting in in correct and false. Ive contacted them on several occasions in reference to affairs but they have yet to respond to the matter correctly.
|
| 02/20/2019 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Account information incorrect
|
|
Web |
|
|
There is an amount that is appearing on my credit report from XXXX XXXX XXXX with account # XXXX for XXXX XXXX. I have never done business with either of these companies. I need company to provide me with written contract or deal that I sign with them or otherwise please have this remove from my credit report.
|
| 11/29/2016 |
Yes |
|
- Cont'd attempts collect debt not owed
- Debt is not mine
|
|
Web |
|
|
Billing agency sent claim/bill to the wrong insurance company. All correspondence to me regarding this matter went to a previous address. Did n't have any knowledge of mishap until I checked my XXXX account. My insurance company advised me to have original billing agency re-submit the claim/ bill for payment.
|
| 01/15/2023 |
No |
- Debt collection
- I do not know
|
- Written notification about debt
- Didn't receive notice of right to dispute
|
|
Web |
|
|
On XX/XX/2023, I checked my credit report and noticed a collection from Waterfall Revenue Group on my report for an alleged debt for XXXX. I was never notified about this alleged debt before being reported to my consumer report. This company inserted information on my consumer report without any consent.
|
| 01/10/2021 |
Yes |
- Debt collection
- Medical debt
|
- Written notification about debt
- Didn't receive enough information to verify debt
|
|
Web |
|
|
Reviewing my credit reports online and notice a collection account for {$180.00} which I was never aware of. On each report the same bill is listed with two different names on my report. Also a law was effected that no longer are collection agencies allowed to place a debt on your credit report.
|
| 01/10/2021 |
Yes |
- Debt collection
- Medical debt
|
- Written notification about debt
- Didn't receive enough information to verify debt
|
|
Web |
|
|
Reviewing my credit reports online and notice a collection account for {$180.00} which I was never aware of. On each report the same bill is listed with two different names on my report. Also a law was effected that no longer are collection agencies allowed to place a debt on your credit report.
|
| 10/13/2021 |
Yes |
- Debt collection
- Credit card debt
|
- Attempts to collect debt not owed
- Debt was result of identity theft
|
|
Web |
|
|
No information given regarding account. Violates federal 15 USC 1692gf also no medical release given and eligible to collect on debt per Section 1681 ( i ). The bureaus have it reporting different pricing and multiple inaccuracies. I never authorized or given permission for this to be reporting
|
| 11/24/2015 |
Yes |
- Debt collection
- Other (i.e. phone, health club, etc.)
|
- False statements or representation
- Attempted to collect wrong amount
|
|
Web |
|
|
A collection company is trying to charge me a collection fee for a debt they bought and collected on. I paid my debt of {$470.00} the day I was notified. They are trying to add on {$140.00} as a collection fee they are charging. My right I believe is they can not collect more than my debt.
|
| 12/31/2021 |
No |
- Debt collection
- Medical debt
|
- Attempts to collect debt not owed
- Debt was paid
|
|
Web |
|
|
On XX/XX/2021 I paid my co-pay of {$50.00} to XXXX online. A month later I got a collections agency bill. I then sent a fair debt collection practices act to confirm the debt that is owed currently I received a letter today stating I still currently all the debt Which I paid back in XXXX.
|
| 10/16/2016 |
Yes |
- Debt collection
- Other (i.e. phone, health club, etc.)
|
- Cont'd attempts collect debt not owed
- Debt is not mine
|
|
Web |
Servicemember |
|
I believe this bill is for a home I owned in XXXX I sold this home in XX/XX/XXXX and the new owners are responsible for this debt. According to the statement they sent the bill was from XX/XX/XXXX {$170.00}. I have been living in XXXX. since XX/XX/XXXX.
|
| 08/22/2023 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt was paid
|
|
Web |
Servicemember |
|
I received a bill from XXXX XXXX in the amount of {$47.00}. They are collecting on behalf of XXXX XXXX XXXX. This debt is not owed. This debt has been taking care of all communication from XXXX XXXX should cease and desist.
Thank You.
XXXX XXXX
|
| 02/26/2018 |
Yes |
- Debt collection
- Other debt
|
- Written notification about debt
- Didn't receive enough information to verify debt
|
|
Web |
Servicemember |
|
I asked his company to verify the debt and in return received no proof to do so. The company does not have my correct information to and only has my address from my dispute to verify this debt. This is not proper verification.
|
| 07/25/2016 |
Yes |
|
- Cont'd attempts collect debt not owed
- Debt is not mine
|
|
Web |
|
|
I have a hospital bill that shows no insurance coverage however, I was insured. They billed the medical expenses to my former address instead of my current. I did not realize this was a bill in collections until this year.
|
| 03/05/2019 |
Yes |
- Debt collection
- Medical debt
|
- Attempts to collect debt not owed
- Debt was paid
|
|
Web |
|
|
How can this medical bill show up on my credit report when I have been paying XXXX XXXX XXXX all along? This is not fair. this needs to be removed as I am in the process of purchasing a home and this showed up.
|
| 03/03/2017 |
Yes |
- Debt collection
- Other (i.e. phone, health club, etc.)
|
- Cont'd attempts collect debt not owed
- Debt was paid
|
|
Web |
|
|
I paid A-1 credit collections in full amount 2000 something and they promised to take off the credit report and they never did so my credit keeps on Lowering. I paid it last year.
|
| 09/15/2022 |
Yes |
- Debt collection
- I do not know
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
I have been a victim of identity theft since 2012 the person even tried to file taxes in my name irs has even investigated and has acknowledged I was a victim of identity theft
|
| 10/08/2016 |
Yes |
|
- Taking/threatening an illegal action
- Attempted to/Collected exempt funds
|
|
Web |
|
|
I WAS ASKED TO PAY THIS DEBT WHEN I WAS ON UNEMPLOYMENT INSURANCE Benefits AND NOW THATI DO N'T EVEN HAVE UNEMPLOYMENT INSurance Benefits and just the SNAP BENEFI=ST.\
|
| 02/28/2018 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Old information reappears or never goes away
|
|
Web |
|
|
I have requested several times that this account be verified b the creditor, however, they never respond to requests. I am unable to determine if the debt is valid.
|
| 04/12/2016 |
No |
|
- Cont'd attempts collect debt not owed
- Debt was paid
|
|
Web |
|
|
Debt was paid to another collection agency : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NJ XXXX XXXX. XXXX XXXX # XXXX and XXXX each for {$230.00}
|
| 06/10/2017 |
Yes |
- Debt collection
- Medical debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
collection debt from A1 collections service for {$42.00} # XXXX and {$150.00} # XXXX both are result of fraud unauthorized services
|
| 11/28/2022 |
No |
- Debt collection
- Medical debt
|
- Threatened to contact someone or share information improperly
- Talked to a third-party about your debt
|
|
Web |
|
|
Waterfall Revenue Group obtain personal information from XXXX XXXXXXXX XXXX XXXX XXXX my rights were violated by the HIPPAA laws
|
| 07/18/2019 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt was paid
|
|
Web |
|
|
This was my er and bospital bill that was not billed to my insurance correctly.
After contacting my insurance rep bill was paid.
|
| 08/30/2016 |
Yes |
|
- False statements or representation
- Attempted to collect wrong amount
|
|
Web |
|
|
On XXXX - My debt is listed 2 times.
I have always been covered by health insurance so this should had been paid.
|
| 10/11/2022 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
Servicemember |
|
XXXX This debt was paid by XXXX and the rest owed should be billed to XXXX XXXX ID : XXXX
|
| 07/17/2017 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
Servicemember |
|
A federal agency had already paid the debt to the original collector XXXX .
|
| 04/16/2018 |
Yes |
- Debt collection
- I do not know
|
- Took or threatened to take negative or legal action
- Threatened to arrest you or take you to jail if you do not pay
|
|
Web |
|
|
XXXX are billing me for an account that I don't have.
|
| 05/24/2023 |
No |
- Debt collection
- Medical debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
Nothing. They say I owe. No XXXX or image.
|
| 01/28/2024 |
No |
- Debt collection
- Other debt
|
- False statements or representation
- Attempted to collect wrong amount
|
|
Web |
|
|
|
| 01/18/2024 |
No |
- Debt collection
- Medical debt
|
- Written notification about debt
- Didn't receive enough information to verify debt
|
|
Web |
|
|
|
| 01/03/2024 |
Yes |
- Debt collection
- Medical debt
|
- Written notification about debt
- Notification didn't disclose it was an attempt to collect a debt
|
|
Web |
|
|
|
| 12/18/2023 |
No |
- Credit reporting or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Information belongs to someone else
|
|
Web |
Servicemember |
|
|
| 08/24/2023 |
No |
- Debt collection
- Medical debt
|
- False statements or representation
- Attempted to collect wrong amount
|
|
Web |
|
|
|
| 05/09/2023 |
No |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
|
| 03/14/2023 |
No |
- Debt collection
- I do not know
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
|
| 02/23/2023 |
Yes |
- Debt collection
- Medical debt
|
- Written notification about debt
- Didn't receive enough information to verify debt
|
|
Phone |
|
|
|
| 01/26/2023 |
Yes |
- Debt collection
- Medical debt
|
- Communication tactics
- Used obscene, profane, or other abusive language
|
|
Web |
|
|
|
| 01/18/2023 |
No |
- Debt collection
- Medical debt
|
- Written notification about debt
- Didn't receive enough information to verify debt
|
|
Web |
|
|
|
| 12/26/2022 |
No |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
|
| 11/26/2022 |
No |
- Debt collection
- I do not know
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
|
| 11/05/2022 |
No |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Account status incorrect
|
|
Web |
|
|
|
| 09/13/2022 |
Yes |
- Debt collection
- Medical debt
|
- Written notification about debt
- Didn't receive enough information to verify debt
|
|
Web |
|
|
|
| 08/13/2022 |
No |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Problem with a credit reporting company's investigation into an existing problem
- Their investigation did not fix an error on your report
|
|
Web |
|
|
|
| 07/15/2022 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
|
| 06/22/2022 |
No |
- Debt collection
- Medical debt
|
- Written notification about debt
- Didn't receive enough information to verify debt
|
|
Web |
|
|
|
| 06/21/2022 |
No |
- Debt collection
- Medical debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
|
| 06/19/2022 |
Yes |
- Debt collection
- I do not know
|
- Written notification about debt
- Didn't receive notice of right to dispute
|
|
Web |
|
|
|
| 05/17/2022 |
No |
- Debt collection
- Medical debt
|
- Took or threatened to take negative or legal action
- Threatened or suggested your credit would be damaged
|
|
Phone |
|
|
|
| 05/17/2022 |
Yes |
- Debt collection
- Medical debt
|
- Took or threatened to take negative or legal action
- Threatened or suggested your credit would be damaged
|
|
Phone |
|
|
|
| 05/06/2022 |
Yes |
- Debt collection
- Medical debt
|
- Written notification about debt
- Didn't receive enough information to verify debt
|
|
Web |
|
|
|
| 05/06/2022 |
Yes |
- Debt collection
- I do not know
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
|
| 04/12/2022 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Account status incorrect
|
|
Phone |
|
|
|
| 02/22/2022 |
No |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt was result of identity theft
|
|
Web |
|
|
|
| 02/09/2022 |
Yes |
- Debt collection
- Medical debt
|
- Written notification about debt
- Didn't receive enough information to verify debt
|
|
Web |
|
|
|
| 02/02/2022 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Problem with a credit reporting company's investigation into an existing problem
- Their investigation did not fix an error on your report
|
|
Web |
|
|
|
| 01/31/2022 |
No |
- Debt collection
- Medical debt
|
- Attempts to collect debt not owed
- Debt was result of identity theft
|
|
Web |
|
|
|
| 01/18/2022 |
No |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Problem with a credit reporting company's investigation into an existing problem
- Investigation took more than 30 days
|
|
Web |
|
|
|
| 12/22/2021 |
No |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Problem with a credit reporting company's investigation into an existing problem
- Their investigation did not fix an error on your report
|
|
Web |
|
|
|
| 10/28/2021 |
No |
- Debt collection
- Medical debt
|
- False statements or representation
- Attempted to collect wrong amount
|
|
Web |
Older American |
|
|
| 10/05/2021 |
No |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
|
| 10/04/2021 |
No |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt was result of identity theft
|
|
Web |
|
|
|
| 08/17/2021 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Improper use of your report
- Reporting company used your report improperly
|
|
Web |
|
|
|
| 08/17/2021 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Information belongs to someone else
|
|
Web |
|
|
|
| 08/16/2021 |
Yes |
- Debt collection
- Medical debt
|
- Written notification about debt
- Didn't receive enough information to verify debt
|
|
Web |
|
|
|
| 08/11/2021 |
Yes |
- Debt collection
- Medical debt
|
- Written notification about debt
- Didn't receive notice of right to dispute
|
|
Web |
|
|
|
| 08/11/2021 |
Yes |
- Debt collection
- Medical debt
|
- Attempts to collect debt not owed
- Debt was already discharged in bankruptcy and is no longer owed
|
|
Phone |
|
|
|
| 06/14/2021 |
Yes |
- Debt collection
- Medical debt
|
- False statements or representation
- Attempted to collect wrong amount
|
|
Phone |
Older American, Servicemember |
|
|
| 04/12/2021 |
Yes |
- Debt collection
- I do not know
|
- Written notification about debt
- Didn't receive enough information to verify debt
|
|
Web |
|
|
|
| 03/26/2021 |
Yes |
- Debt collection
- Medical debt
|
- Took or threatened to take negative or legal action
- Threatened or suggested your credit would be damaged
|
|
Web |
|
|
|
| 03/11/2021 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Problem with a credit reporting company's investigation into an existing problem
- Their investigation did not fix an error on your report
|
|
Web |
|
|
|
| 03/10/2021 |
Yes |
- Debt collection
- Medical debt
|
- Took or threatened to take negative or legal action
- Threatened or suggested your credit would be damaged
|
|
Web |
|
|
|
| 02/25/2021 |
Yes |
- Debt collection
- Medical debt
|
- Communication tactics
- Used obscene, profane, or other abusive language
|
|
Phone |
|
|
|
| 12/29/2020 |
No |
- Debt collection
- Medical debt
|
- Written notification about debt
- Didn't receive enough information to verify debt
|
|
Web |
|
|
|
| 11/04/2020 |
Yes |
- Debt collection
- I do not know
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Fax |
|
|
|
| 10/27/2020 |
Yes |
- Debt collection
- I do not know
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Fax |
|
|
|
| 10/05/2020 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Account status incorrect
|
|
Web |
|
|
|
| 09/24/2020 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Account information incorrect
|
|
Web |
|
|
|
| 09/15/2020 |
No |
- Debt collection
- Medical debt
|
- Written notification about debt
- Didn't receive enough information to verify debt
|
|
Web |
|
|
|
| 08/06/2020 |
Yes |
- Debt collection
- Other debt
|
- Written notification about debt
- Didn't receive enough information to verify debt
|
|
Fax |
|
|
|
| 02/12/2020 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Improper use of your report
- Reporting company used your report improperly
|
|
Web |
|
|
|
| 02/07/2020 |
Yes |
- Debt collection
- Medical debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Phone |
|
|
|
| 06/10/2019 |
Yes |
- Debt collection
- Medical debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
|
| 05/29/2019 |
Yes |
- Debt collection
- I do not know
|
- Written notification about debt
- Didn't receive enough information to verify debt
|
|
Fax |
|
|
|
| 05/02/2019 |
Yes |
- Debt collection
- Medical debt
|
- Written notification about debt
- Didn't receive enough information to verify debt
|
|
Web |
|
|
|
| 11/26/2018 |
Yes |
- Debt collection
- Medical debt
|
- Attempts to collect debt not owed
- Debt was paid
|
|
Web |
|
|
|
| 11/26/2018 |
Yes |
- Debt collection
- Medical debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
Older American, Servicemember |
|
|
| 11/06/2018 |
Yes |
- Debt collection
- Other debt
|
- Communication tactics
- Used obscene, profane, or other abusive language
|
|
Referral |
|
|
|
| 08/13/2018 |
Yes |
- Debt collection
- Other debt
|
- Written notification about debt
- Didn't receive enough information to verify debt
|
|
Fax |
|
|
|
| 06/20/2018 |
Yes |
- Debt collection
- Medical debt
|
- Attempts to collect debt not owed
- Debt was paid
|
|
Web |
|
|
|
| 06/15/2018 |
Yes |
- Debt collection
- I do not know
|
- Written notification about debt
- Didn't receive enough information to verify debt
|
|
Fax |
|
|
|
| 06/04/2018 |
Yes |
- Debt collection
- I do not know
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
|
| 05/11/2018 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Account information incorrect
|
|
Fax |
|
|
|
| 05/10/2018 |
Yes |
- Debt collection
- I do not know
|
- Written notification about debt
- Didn't receive enough information to verify debt
|
|
Fax |
|
|
|
| 05/03/2018 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Account information incorrect
|
|
Fax |
|
|
|
| 04/20/2018 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Problem with a credit reporting company's investigation into an existing problem
- Problem with personal statement of dispute
|
|
Web |
|
|
|
| 03/19/2018 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Account information incorrect
|
|
Fax |
|
|
|
| 02/20/2018 |
Yes |
- Debt collection
- I do not know
|
- Written notification about debt
- Didn't receive enough information to verify debt
|
|
Fax |
|
|
|
| 02/07/2018 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Account status incorrect
|
|
Web |
Servicemember |
|
|
| 12/22/2017 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Referral |
|
|
|
| 12/07/2017 |
Yes |
- Debt collection
- Medical debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
|
| 12/06/2017 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Account information incorrect
|
|
Web |
|
|
|
| 10/04/2017 |
Yes |
- Debt collection
- Medical debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
|
| 08/16/2017 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt was paid
|
|
Web |
|
|
|
| 07/18/2017 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt was paid
|
|
Web |
Servicemember |
|
|
| 07/13/2017 |
Yes |
- Debt collection
- Medical debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
|
| 05/10/2017 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Account status incorrect
|
|
Web |
|
|
|
| 03/11/2017 |
Yes |
|
- Cont'd attempts collect debt not owed
- Debt was paid
|
|
Web |
|
|
|
| 02/03/2017 |
Yes |
- Debt collection
- Other (i.e. phone, health club, etc.)
|
- Communication tactics
- Threatened to take legal action
|
|
Phone |
|
|
|
| 12/21/2016 |
No |
- Debt collection
- Other (i.e. phone, health club, etc.)
|
- Disclosure verification of debt
- Not given enough info to verify debt
|
|
Postal mail |
|
|
|
| 12/16/2016 |
No |
- Debt collection
- Other (i.e. phone, health club, etc.)
|
- Cont'd attempts collect debt not owed
- Debt is not mine
|
|
Web |
Servicemember |
|
|
| 12/05/2016 |
Yes |
- Debt collection
- Other (i.e. phone, health club, etc.)
|
- Cont'd attempts collect debt not owed
- Debt is not mine
|
|
Postal mail |
|
|
|
| 09/13/2016 |
Yes |
- Debt collection
- Other (i.e. phone, health club, etc.)
|
- Cont'd attempts collect debt not owed
- Debt was discharged in bankruptcy
|
|
Web |
|
|
|
| 07/07/2016 |
Yes |
- Debt collection
- Other (i.e. phone, health club, etc.)
|
- Disclosure verification of debt
- Not given enough info to verify debt
|
|
Web |
Servicemember |
|
|
| 06/25/2016 |
Yes |
|
- Cont'd attempts collect debt not owed
- Debt was paid
|
|
Web |
|
|
|
| 06/14/2016 |
Yes |
|
- Cont'd attempts collect debt not owed
- Debt was discharged in bankruptcy
|
|
Web |
|
|
|
| 05/23/2016 |
Yes |
- Debt collection
- Other (i.e. phone, health club, etc.)
|
- Cont'd attempts collect debt not owed
- Debt is not mine
|
|
Web |
|
|
|
| 01/20/2016 |
Yes |
|
- Cont'd attempts collect debt not owed
- Debt is not mine
|
|
Phone |
|
|
|
| 12/03/2015 |
Yes |
|
- Disclosure verification of debt
- Not given enough info to verify debt
|
|
Web |
|
|
|
| 08/17/2015 |
Yes |
|
- Disclosure verification of debt
- Not given enough info to verify debt
|
|
Web |
|
|
|
| 06/26/2015 |
Yes |
|
- Cont'd attempts collect debt not owed
- Debt is not mine
|
|
Web |
|
|
|
| 06/22/2015 |
Yes |
|
- Communication tactics
- Called after sent written cease of comm
|
|
Referral |
|
|
|
| 04/13/2015 |
Yes |
|
- Disclosure verification of debt
- Not given enough info to verify debt
|
|
Web |
|
|
|
| 03/28/2015 |
Yes |
|
- Disclosure verification of debt
- Not given enough info to verify debt
|
|
Web |
|
|
|
| 03/06/2015 |
Yes |
- Debt collection
- Other (i.e. phone, health club, etc.)
|
- Disclosure verification of debt
- Right to dispute notice not received
|
|
Web |
|
|
|
| 11/25/2014 |
Yes |
- Debt collection
- Other (i.e. phone, health club, etc.)
|
- Cont'd attempts collect debt not owed
- Debt is not mine
|
|
Web |
|
|
|
| 10/30/2014 |
Yes |
|
- Cont'd attempts collect debt not owed
- Debt was paid
|
|
Referral |
|
|
|
| 08/20/2014 |
Yes |
|
- Cont'd attempts collect debt not owed
- Debt is not mine
|
|
Web |
|
|
|
| 08/13/2014 |
Yes |
- Debt collection
- I do not know
|
- Communication tactics
- Frequent or repeated calls
|
|
Web |
|
|
|
| 07/22/2014 |
Yes |
|
- Cont'd attempts collect debt not owed
- Debt was paid
|
|
Web |
|
|
|
| 06/06/2014 |
Yes |
- Debt collection
- Other (i.e. phone, health club, etc.)
|
- Communication tactics
- Frequent or repeated calls
|
|
Web |
|
|
|
| 05/01/2014 |
Yes |
|
- Cont'd attempts collect debt not owed
- Debt is not mine
|
|
Postal mail |
|
|
|
| 03/26/2014 |
Yes |
|
- Disclosure verification of debt
- Not given enough info to verify debt
|
|
Web |
|
|
|
| 01/21/2014 |
Yes |
|
- Cont'd attempts collect debt not owed
- Debt was paid
|
|
Referral |
|
|
|
| 01/08/2014 |
Yes |
|
- Disclosure verification of debt
- Right to dispute notice not received
|
|
Web |
|
|
|
| 01/01/2014 |
Yes |
|
- Disclosure verification of debt
- Right to dispute notice not received
|
|
Web |
|
|
|
| 12/07/2013 |
Yes |
|
- Disclosure verification of debt
- Right to dispute notice not received
|
|
Web |
|
|
|
| 11/11/2013 |
No |
- Debt collection
- I do not know
|
- Disclosure verification of debt
- Not given enough info to verify debt
|
|
Web |
|
|
|