| 12/13/2019 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
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- Incorrect information on your report
- Old information reappears or never goes away
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Web |
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In XXXX-XXXX I attended college at XXXX XXXX University. I took out co-signed loans to pay for college. Upon graduation my degree did absolutely NOTHING for me to help me secure a job. In XXXX according to XXXX two debt consolidation loans were created. These loans have reported to my credit report since after being charged off and reported to the federal government as bad debt that is not collectible. They were since removed from my XXXX report ( XXXX ). In XXXX these accounts were added back to my account with updated history stating I was late on the payment in XXXX with no other information being able to be provided from XXXX-XXXX. I refuted these again, and AGAIN they were removed from my account. Yesterday, XX/XX/XXXX these accounts were reopened again with account history being updated from 5 years ago to XXXX. The XXXX XXXX XXXX XXXX XXXX XXXX has no account information on these from XXXX-XXXX yet has gone in back dated there information by 5 years without any rhyme or reason. 7 years after leaving college I still do not have a job that supports me being able to pay a dime on these loans. Additionally my mother had agreed to consolidate my loans into a parent plus debt consolidation in the upwards amount of over {$100000.00}. This company is claiming these are separate from the {$40000.00} they are trying to come after me for and have since reported that I owe more money for these loans the longer they go on unresolved. They have since come after my mothers credit report and mine several times after verifying that they can not prove that these loans soley belong to me. I can not currently even afford to live on my own thanks to repeatedly fighting with XXXX over the years requesting they remove the loan information from my account. I was promised after 7 years the loans would automatically fall off my XXXX report. After 7 years went by I was then told it would automatically fall off after 10 years. After 11 years I called to complain that the loans were not removed from my XXXX score and they told me I needed to file a dispute in order to have them removed but as assured after 10 years they would fall off. Instead they came back to me and told me they would post them on my account for an additional 10 years because I disputed them. In XXXX I was found to have had a XXXX XXXX in front of a court and hospitalized because these creditors refused to remove the accounts from my report. The education I was promised to help me get a job that could pay my bills and someday own a house in no way lived up to its side of the bargain. Instead it has left me close to living on the street due to the credit bureau refusing to find a permanent solution to this problem. It has left me with credit reports that have since updated multiple times thanks to loans that have gone from closed to open to closed to open again with no explanation as to why. I have gone through multiple jobs because no company wants to hire someone with poor credit.The loans provided in no way held up their end of the bargain because if it was not for family thanks to these loans and the policies and procedures the credit bureaus adhere too I would be homeless and on the street. XXXX has confirmed that even tho a loan is closed and removed from my credit report ( in the case of XXXX XXXX ) that XXXX has the right to create a new account with the balance as many times as they wish. The Bureaus have no accurate information on these loans as is reported to the credit bureau 's and have reported incorrect data DOZENS of times such as last paid date ( states XXXX on my file yet when I call I am told something different ), the date of which these loans are to fall off ( I was promised both 7 years and 10 years, meanwhile 11 years passed and they refuse to remove the accounts even with no verifiable history on them ), the amount of days late ( they have reported 5 years after the fact that I was late back in XXXX after reporting for YEARS that I was on time with my payment ), and the amount they claim I owe them constantly changes where as they have told me even if I were to make a payment on these this month the next month I would owe more money. I can not afford to pay for fraudulent information nor can I justify paying for something that negatively harmed my life. MN has a 6 year statute of limitations on loans that XXXX and this creditor refuses to acknowledge. According to XXXX there is a 7 year statute of limitations for the credit bureaus to report loan information and according to XXXX the info should automatically fall off when in fact I have proven this to be a lie on their companies behalf. XXXX now has reported to me going on 7 months that they have system issues and refuse to let me login to dispute any information on my credit accounts. This is a problem because an account with XXXX was paid off in XXXX by a family member that was found to be a duplicate account was reput on my credit report earlier this year with a collection company after previously being removed and found to be fraud. When I emailed XXXX XXXX they replied to me twice and told me it was an internal issue with XXXX confirming they had two accounts setup for me under the same email address. Also reported to XXXX was a collections account for XXXX XXXX VISA that I refused to pay because the products purchased with the credit card were defective, that company was then bought out by XXXX XXXX XXXX and the debt was transferred to a 3rd party collections. When I contacted XXXX they told me they have no control over what is reported to the collections company. When I contacted the collections company they refused to remove the account from my credit report without paying off the account. When it was paid off they still refused to remove it and dinged me 1 point on my credit score saying I am on a paid as agreed method for {$0.00} on a {$0.00} balance. The only reason I paid this was because both XXXX and the collections company told me no matter what they would not remove the negative information from my report even if I was right in stating the products purchased are defective. On top of this account XXXX XXXX claimed I was late on multiple payments on a joint account. When refuted MULTIPLE times I was placed in the hospital as a XXXX XXXX XXXX XXXX. Years after the fact after obtaining a copy of the joint creditors report proving that the information did not add up they agreed to update the " late payment '' claims on the account. Years. Years I had to suffer with a poor credit report for them refusing to acknowledge that their system was reporting inaccurately until the federal government bailed them out. My problem is with XXXX, XXXX, XXXX, & XXXX. I come to work every day as early as I can, I follow all laws, and do everything I can to do the right thing in every situation. Why is it fair that these credit companies can control my life without following any rules or regulations? Under Minn. Stat. Ann. 541.01 et seq. there is a 6 year debt statute of limitations yet these companies continue to think they can resell consumers private information ( XXXX XXXX & XXXX XXXX ) and label it a new account started at a later date and report negatively to the bureaus. The courts don't allow it, why are the credit bureaus allowing it? In XXXX I received a call after my business was sold and moved to a different location after doing multi-millions of dollars in sales and I received a call stating my student loan debt would be 100 % forgiven. I have been working for the XXXX XXXX since about that time indirectly, directly, as a XXXX, with XXXX XXXX, with XXXX XXXX XXXX, and per the reports to XXXX XXXX was under the impression that these loan accounts were completely removed & closed out.
Prior to CKS Financial reporting to the credit bureaus my XXXX score was XXXX. That is what I expect it to be at but instead this bureau is reporting different account information each day for the accounts in question and refuses to make the companies reporting the information prove beyond a reasonable doubt that the information reported is inaccurate. Instead I am told I need to prove beyond a reasonable doubt that these accounts don't belong to me and even after doing that the credit bureaus are allowing these companies to reopen new accounts to negatively influence my credit scores.
This is not right. Like anyone else I deserve a fair quality of life and have a human right to be able to live. Instead currently these credit bureaus are stating if you don't like it talk to the companies directly, and if you don't like their response too bad because anyone anywhere can report your information as negative and without working with the person reporting negatively there is nothing that they will do about it. Where is the consumer protection here?
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| 03/01/2022 |
Yes |
- Debt collection
- Credit card debt
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- Attempts to collect debt not owed
- Debt was result of identity theft
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Web |
Servicemember |
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The following is my initial complaint in reference to CKS Financial a company that XXXX XXXX uses to collect a debt.
On XX/XX/XXXX I received a phone call from CKS Financial Debt Collection on behalf of their current creditor XXXX XXXX XXXX, and original account XXXX, in reference to a credit card/loan ( I am still unsure what kind of debt ). The first representative ( who called ), XXXX ID # XXXX, automatically demanded that I pay the debt and became very argumentative. I told her I was not familiar with the debt and requested they provide me with paperwork in reference to the debt. She refused to send any paperwork and would barely allow me to speak. I asked for a manager, which I spoke with XXXX ID # XXXX, who actually listened and I advised I was not familiar with the debt. I did again asked for paperwork and she advised she would dispute the account, as I was telling them it was not my debt. She did state that they had my address as living in Indiana, which I advised further proved that the debt did not belong to me, as I have lived in GA since XXXX. I also informed her I have had issues with my information being stolen in the past, which is why I currently pay for credit monitoring service and I have a fraud alert on my credit account, through XXXX. She never answered my request for documentation, but only provided me with their account number of XXXX. I thought the issue had been resolved, but Friday, XX/XX/XXXX, I received a letter from CKS Financial advising of the debt yet again. This surprised me as I thought everything had been resolved. On Monday, XX/XX/XXXX at XXXX XXXX., I called CKS Financial ( XXXX ) and initially spoke with XXXX XXXX, who again requested a payment and when I advised her that my information had been stolen, she transferred me to her manager. The manager did provide me with her name, but I was too slow to write down the name, when I asked for the name the manager refused to give me her name or ID number. Stating " I already gave you my name, I do not have to tell it to you again. '' This manager was very disrespectful and argumentative, to such a degree that she made snarky comments and sounds. I advised her she was being disrespectful and all she would say was " that is how you see it, but I do not think that I am. '' While I continued to request for her information, I also advised I would file a police report, in reference to my information being stolen. I asked if this would help them, which she refused to answer my question. I asked what else I needed to do to prove that the debt was not mine, which she stated " I don't know, do what you have to do. '' Baffled with this answer and her increase level of disrespect, I did commence to lose my patience but I was never disrespectful or raised my voice. Also, her increased level of disrespect occurred when I refused to advise or confirm who my employer is. As I was still talking, she heavily tried for me to hang up the phone and when I refused, as I was trying to understand the process and obtain answers to my questions, she transferred me back to XXXX XXXX. I asked why the manager had transferred me back, and XXXX XXXX stated she could not answer the question. I asked if the police report would help the, which she also stated that she was unsure. When I asked what I needed to do to prove that the debt was not mine, I was advised by XXXX XXXX " I truly believe the debt is not yours, but maybe you know who opened the account in your name. '' I advised her that I did not know who did such a things, which is why I was speaking to all of these representatives via phone. I asked for documentation of the debt to provide as part of my complaints and police report, which I was told they would not provide me with any paperwork, as they do not have to by law. I also asked for the managers information, but was told she would not provide me with that information, but that she only had one manager and everyone would know who her manager was. Since speaking and obtaining no help from CKS Financial, I filed a police report with the jurisdiction I reside in, XXXX XXXX, Georgia. The case number is XXXX. I will be attaching the document to this complaint.
The following is their response : Thank you for the recent notification of the complaint filed by XXXX XXXX. CKS Financial appreciates the opportunity to respond to their concerns. Upon notice of the complaint, a member of our Compliance Team conducted an investigation into the allegations. The result of that investigation and our response follows. Our investigation included a review all outbound and inbound calls. CKS does not take lightly, the complaint of unprofessional behavior by any of our representatives. In response to this concern, we will use this complaint as an opportunity to reinforce to our representatives the importance of treating all customers with courtesy and respect. Please also be advised the account in question has been reported as under dispute. Unfortunately, without sufficient evidence provided to us to substantiate your ID theft claim we are unable to investigate further. If you provide the requested documents below to support your identity theft claim, we will reinvestigate when that information is provided. 1. A copy of your social security card, or a document/statement revealing your social security number. 2. A copy of your identification card or drivers license which provides your full name, address, and date of birth ; and/or 3. An Affidavit of fraud or a signed identity theft report filed with the Federal Trade Commission at www.identitytheft.gov We invite XXXX XXXX to contact a member of our Compliance Team, if there are any questions. A member of our Compliance Team is available Monday through Friday from XXXX XXXX to XXXX XXXX Eastern Standard time and can be reached directly at XXXX or at XXXX ***What I understand is that they want an additional report, which I obtained through the Federal Trade Commision for Identity Theft case number XXXX. I will be attaching both the police report and the FTC report. Both agencies have verified my identity and that I am a victim. *** The following is XXXX 's response : XXXX XXXX, Thank you for reaching out and bringing your concerns to our attention. XXXX XXXX XXXX handles all complaints seriously and understands that you are not satisfied with our application process. We take the concerns of our customers seriously, and when we do not meet your expectations we want to and are grateful to hear from you. Your XXXX loan, XXXX, has been sold to XXXX XXXX, XXXX and is no longer being servicing by XXXX as of XX/XX/XXXX. Any correspondence related to the servicing or collection of this account after XX/XX/XXXX, was not made on the behalf of XXXX. Any payments sent before XX/XX/XXXX, will be applied towards the debt balance. Any future scheduled payments to XXXX have been canceled. Please reference the information below for more details on your account history : Loan ID : XXXX Charge off date : XX/XX/XXXX Charge off balance : XXXX Current balance : XXXX Please reach out to XXXX XXXX XXXXXXXX to establish new payment arrangements and for any questions or concerns regarding your loan. XXXX XXXX contact information is as follows : XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX, NJ XXXX Phone : ( XXXX ) XXXX Email : XXXX XXXX XXXX XXXX strives to provide the most accessible and comfortable loan experience for our borrowers. If you ever have any questions or concerns, please do not hesitate to give us a call at XXXX or send us an email at XXXX. Sincerely, XXXX XXXX XXXX XXXX XXXX Please advise what else do I need to do to prove to you all, without me having to contact Legal Aid. Thank you.
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| 04/27/2017 |
Yes |
- Debt collection
- Credit card debt
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- Written notification about debt
- Didn't receive enough information to verify debt
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Web |
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XXXX XXXX I received a generic form letter from CKS Financial in regards to a credit card debt as per FDCPA I requested proof of ownership as they were NOT the original creditor but a debt buying compan y. CKS Financial signed for letter XXXX XXXX XXXX and were considered served a s US Post Office is a legal process server. At the same tim e CKS w as also reporting this account to the credit bureaus. The letter basically stated supply legal proof of ownership and transfer of account from the original creditor XXXX XXXX XXXX XXXX to CKS and I also requested account be removed from credit reports until they properly showed proof of ownership. I also informed them all contact was to be through mail. Its now mid XXXX XXXX well over 30 days and no response from CKS no proof of ownership nothing. In mean time I had disputed account with credit bureaus basically XXXX on XXXX XXXX XXXX whom they report to but it still was reporting after 30 days and investigation finished. So I sent another letter out dated XXXX and a final letter which they signed for and received on XXXX XXXX XXXX Again asking for proof of ownership and to remove account from credit reports and to either supply information/documents or a notice from them they are ceasing collection activities along with removing account from my credit reports. I received a response dated XX/XX/XXXX stating there office is in receipt of my letter of dispute and they did an investigation and confirmed name address and amount owed and account was correct. I didnt ask them to investigate anything I asked them to validate proof of ownership they didnt. Then on XXXX XXXX XXXX credit bureaus somehow randomly deleted account from reports with no investigation pending as investigation was done XXXX XXXX XXXX ( c onfirmed with XXXX on XX/XX/XXXX EMP ID XXXX per phone conversation stating XXXX didnt remove CKS Financial removed ). Last of comunications until XXXX when I called CKS directly because for some reason account suddenly appeared again on credit reports as I get notified immediately of any changes.So I talked to 2 people and was passed down to XXXX XXXX a supervisor. This was 3rd person I had to explain what I explained above. He seemed like a nice guy I told him for a debt they paid XXXX dollars for it could cost them more an it was in there interest and mine to settle. I informed him that failure to supply proof of ownership and ignoring my first letter was a violation of FDCPA and that reporting a non validated account to credit bureaus was also a violation of FCRA. Then I told him not only once but they verified a credit bureau dispute in XXXX XXXX when account was never validated with myself or proof of ownership was supplied. This is another violation of FCRA. Then they proceeded to violate FDCPA again as I sent second letter to CKS and they responded over 30 days later with a generic form letter stating investigation done and accurate but still no proof of ownership. Then again they violated FCRA as account was still on my report on XXXX XXXX XXXX but then it was removed. Rather than argue because he was a very courteous I said can we solve this because it is petty. I said remove from my credit report and then we will settle. He state he couldnt so I then stated then you can supply proof of ownership. He then said he was sorry and said I need to call their compliance department so I did and I thanked him. So I called compliance and I got XXXX XXXX and explained everything over again to her. She seemed like a very nice lady but she was given a policy to follow which she told me and it doesnt comply with federal law. I beg any attorney to tell me different. She told me they DID NOT have to do anything in regards to letters I sent requesting proof of ownership and they were complying to the FDCPA. They only need to show proof in court. I said so you just send a bill and you expect people to pay because you can type a form letter. She again stated they are following the FDCPA. Just kept repeating and stating that they are following policy. Whos? I stated the law and facts she just kept saying we arent required to send anything unless we are pursuing the debt or taking legal action which we arent doing. So if you arent pursuing then why are you reporting. We still own the account. You havent validated I said she replied we dont have to. I said its Illegal to re port a debt on credit reports thats not validated then to remove and then to put back on 5 months later. She replied we investigated with XXXX XXXX a dispute you filed with credit bureaus. Thats all we are required to do. I dont know why XXXX removed you have to talk to them. I did as stated above and she lied. As I said I disputed in XXXX XXXX CKS confirmed without validating per conversation with XXXX on XXXX / XXXX / XXXX . The letter I received from CKS was dated XXXX XXXX XXXX well passed closing of investigation and the reason why I sent request for validation a second time because they were reporting still. CKS has a policy that totally contradicts the FDCPA and the FCRA. They are NOT the original creditor. Then I stated Id like to get this resolved she said sure Ill tr ansfer you and you can make payment. I said ok then you are going to remove account from credit bureau reports. She said they cant do that because of policy with credit bureaus. I said there is no law stating you cant remove she said XXXX poli cy. ( Wron g again when I called XXXX on XX/XX/XXXX as stated above I was told there was no policy they had that the furnisher of information can remove information at any time especially if account hasnt been validate with consumer as that puts XXXX now liable for damages for reporting an unvalidated account also ). CKS has little regard for Law the CPB the FTC period. So I told her I would have to pursue other means of resolving and they are in violation of FDCPA and FCRA on numerous occasions. Something so simple they could of resolved but now I think they welcome lawsuits as If im correct and I know I am as there are many court cases stating de bt collectors have to show proof of ownership and chain of ownership whether they are first to buy debt or 100th to buy. The fact that these people think they can do whatever they want is a real problem with me. This is a blatant violation of federal law but its their policy as she stated. They are not actively pursuing debt but after removing from credit reports then putting back on 5 months later which also violate cease and desist as they legally contacted me on XX/XX/XXXX when they started reporting account again and still havent provided proof of ownership. If one reads this they can figure out how much in fines not to mention damages. I request this be forwarded to FTC as I am going to forward to XXXX XXXX the IL Attorney General and the Illinois Departm ent of Professional Regulations. I dont even believe CKS is licensed in Illinois. Then if CPB does nothing and FTC fails to resolve and fine I will have no choice but to seek legal remedies which are already in the works.
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| 02/11/2022 |
Yes |
- Debt collection
- I do not know
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- Attempts to collect debt not owed
- Debt was result of identity theft
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Web |
Servicemember |
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On XX/XX/XXXX I received a phone call from CKS Financial Debt Collection on behalf of their current creditor XXXX XXXX XXXX, and original account Upstart, in reference to a credit card/loan ( I am still unsure what kind of debt ). The first representative ( who called ), Celina ID # XXXX, automatically demanded that I pay the debt and became very argumentative. I told her I was not familiar with the debt and requested they provide me with paperwork in reference to the debt. She refused to send any paperwork and would barely allow me to speak. I asked for a manager, which I spoke with XXXX ID # XXXX, who actually listened and I advised I was not familiar with the debt. I did again asked for paperwork and she advised she would dispute the account, as I was telling them it was not my debt. She did state that they had my address as living in Indiana, which I advised further proved that the debt did not belong to me, as I have lived in GA since XXXX. I also informed her I have had issues with my information being stolen in the past, which is why I currently pay for credit monitoring service and I have a fraud alert on my credit account, through XXXX. She never answered my request for documentation, but only provided me with their account number of XXXX.
I thought the issue had been resolved, but Friday, XX/XX/XXXX, I received a letter from CKS Financial advising of the debt yet again. This surprised me as I thought everything had been resolved. On Monday, XX/XX/XXXX at XXXX P.M., I called CKS Financial ( XXXX ) and initially spoke with XXXX XXXX, who again requested a payment and when I advised her that my information had been stolen, she transferred me to her manager. The manager did provide me with her name, but I was too slow to write down the name, when I asked for the name the manager refused to give me her name or ID number. Stating " I already gave you my name, I do not have to tell it to you again. '' This manager was very disrespectful and argumentative, to such a degree that she made snarky comments and sounds. I advised her she was being disrespectful and all she would say was " that is how you see it, but I do not think that I am. '' While I continued to request for her information, I also advised I would file a police report, in reference to my information being stolen. I asked if this would help them, which she refused to answer my question. I asked what else did I need to do to prove that the debt was not mine, which she stated " I don't know, do what you have to do. '' Baffled with this answer and her increase level of disrespect, I did commence to loose my patience but I was never disrespectful or raised my voice. Also, her increased level of disrespect occurred when I refused to advise or confirm who my employer is.
As I was still talking, she heavily tried for me to hang up the phone and when I refused, as I was trying to understand the process and obtain answers to my questions, she transferred me back to XXXX XXXX. I asked why the manager had transferred me back, and XXXX XXXX stated she could not answer the question. I asked if the police report would help the, which she also stated that she was unsure. When I asked what I needed to do to prove that the debt was not mine, I was advised by XXXX XXXX " I truly believe the debt is not yours, but maybe you know who opened the account in your name. '' I advised her that I did not know who did such a things, which is why I was speaking to all of these representatives via phone. I asked for documentation of the debt to provide as part of my complaints and police report, which I was told they would not provide me with any paperwork, as they do not have to by law. I also asked for the managers information, but was told she would not provide me with that information, but that she only had one manager and everyone would know who her manager was.
Since speaking and obtaining no help from CKS Financial, I filed a police report with the jurisdiction I reside in, XXXX XXXX, Georgia. The case number is XXXX. I will be attaching the document to this complaint.
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| 12/15/2021 |
Yes |
- Debt collection
- Credit card debt
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- Attempts to collect debt not owed
- Debt was paid
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Web |
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XX/XX/XXXX Consumer Financial Protection Bureau XXXX XXXX XXXX XXXX, IA XXXX Re : XXXX XXXX XXXX XXXX XXXX DOB : XXXX SSN : XXXX Re : XXXX XXXX XXXX, XXXX, Respondent C/O CKS Financial XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX Account ID XXXX Re : XXXX XXXX XXXX XXXX XXXX ), Respondent XXXX XXXX XXXX XXXX XXXX GA XXXX XXXX Account No. XXXX XXXX Account No. XXXX XXXX Account No. XXXX XXXX XXXX XXXX, XXXX XXXX XXXX. XXXX XXXX XXXX, Pennsylvania. XXXX Re : XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX, Ga XXXX Re : XXXX ', XXXX XXXX XXXX. XXXX XXXX XXXX, Texas. XXXX Re : XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX, GA XXXX Complaint for a Debt Not Due Comes Now Complainant, XXXX XXXX XXXX XXXX and in support hereof presents : 1. Complaint brings this Complaint to resolve a question of controversy as to whether : A consumer credit account, enrolled in a credit protection program offered by the card issuer, with a live and active claim pursuant to the terms of which monthly minimum payments are made by the card issuer on behalf of the card holder due to XXXX, is delinquent for reporting purposes under the Fair Credit Reporting Act and the Fair Debt Collection Procedures Act.
2. In XXXX, Complainant applied and was approved for lines of cred upon the referenced accounts issued by the XXXX XXXX XXXX ( XXXX ).
3. At all relevant times, XXXX offered a Credit Protection Program, pursuant to the terms of which enrollees could obtain payment relief whereby XXXX paid the monthly minimum payment due to, inter alia, XXXX.
4. In XXXX, XXXX sold the referenced accounts to XXXX XXXX XXXX, XXXX ( XXXX ).
5. Between XXXX XXXX, XXXX, CKS Financial ( CKS ), a debt collector and agent for CKS, furnished information that Complainant was and remains delinquent to the sum of {$1800.00} upon the referenced accounts to the following consumer reporting agencies ( XXXX ) to be included in consumer files, to wit : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX At the time of the sale, Complainant had and continues to have a live and active XXXX claim as pertains to the referenced accounts whereby XXXX is obliged to make the monthly minimum payments due upon the same.
7. To secure my rights, privileges, and covenants thereunder, XXXX, as a matter of law, is obliged to honor the terms and conditions of Complainants cardholder agreement with XXXX, inclusive of the terms and condition of the XXXX Credit Protection Program.
8. The foregoing considered, due to my participation in the XXXX Credit Program, and, further, upon which there is a live and pending XXXX claim which obliges XXXX and its assigns and successors to make the monthly minimum payments due upon the referenced account.
9. Hence, the foregoing considered, as a matter of law, pursuant to the terms of the XXXX Credit Protection Program, the referenced accounts are not delinquent to the sum of {$1800.00}, or any other sum ( For want of maturity if no other reason ). Accordingly, reports of said delinquency reported to the referenced CRAs are inaccurate, false, and misleading under the terms of the FCRA and FDCPA.
10. In resolution, Complainant asks : A. For CRA re-investigation of all issues raised in this Complaint. See : 15 U.S.C. 1681i ( a ) ( l ) ( ( A ) and 15 U.S.C. 1692g.
B. That XXXX honor the terms and conditions of the XXXX Credit Protection Program as obliged when it purchased the referenced accounts.
C. That XXXX and or CKS remove or cause to be removed from Complainants consumer files with the referenced CRAs the derogatory report of Complainants delinquency to XXXX to the sum of {$1800.00}.
Cordially, _________________________ XXXX XXXX XXXX
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| 10/10/2023 |
Yes |
- Debt collection
- Other debt
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- Written notification about debt
- Didn't receive enough information to verify debt
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Web |
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On XXXX XXXX I mailed a letter to CKS requesting information about an alleged debt. My FCRA rights are being violated as the company did not respond. The letter sent is below.
To whom this may concern, I would like to affirm here in this notice that this debt is invalid.
Please note On this day XXXX, I reserved my rights to dispute this alleged debt, pursuant the Fair Debt Act concerning the validity of this alleged debt. Please note that I do understand and reserve all of my rights granted by Fair Debt Collection Act under Federal Laws, which gives me the right to dispute the validity and accuracy of any debt claim. I would like to aver herein this notice, that I do not believe these alleged debt to be correct and accurate. Please note that this is not an attempt to avoid a debt that may be valid.
If your company CKS claims this debt is valid, correct, and accurate, I challenge your company to produce the following specific verification of records : 1. A copy of original contract, ( the unaltered genuine original wetting ink signature copy ), paper chattel. Attached with a signed application dated with my signature.
2. Proof that your company offered me some form of consideration ( i.e. loan, service, or good ) and proof that I accepted your companys offer.
3. The specific identities of the real parties of interest 4. A sworn affidavit of verification from a company employee or a custodian of records affirming that they have personal knowledge of this alleged account and that amount of {$730.00} is owed to XXXX XXXX.
5. A full ledger of accounting documentation.
6. Specific services and codes ( please include service codes ).
7. Please provide your Georgia business license and articles of incorporation to do business in my state of Georgia.
Please note that the legal term for verification is as follows, -verification n. the declaration under oath or upon penalty of perjury that a statement or pleading is true, located at the end of a document. For example a typical verification reads : " I declare under penalty of perjury under the laws of Georgia, that I have read the above complaint and I know it is true of my own knowledge, except as to those things stated upon information and belief, and as to those I believe it to be true.
- Law definition Terms and conditions I hereby give your company CKS, 10 business days to produce verification described herein this notice .If your company fails to produce the aforementioned verification documentation within the measure of this time outline above, then it will be assumed that the alleged debt is invalid and I am accountable for no more than XXXX dollars in regards to this alleged debt. Also please note, I will not accept anything less than a sworn affidavit under penalty of perjury by a custodian of record, employer by the allege creditor, affirming that the said alleged debt exceeds more than XXXX dollars. Please refrain from contacting me by phone or mail concerning this alleged debt until the aforementioned verification/validation is satisfied. Failure to do so may result in me initiating a legal action and/or a filing an administrative complaint with the appropriated agencies including the Federal Trade Commission and the Consumer Protection Financial Bureau for further investigation. Thank you very much in advance for your prompt response.
Respectfully, XXXX XXXX
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| 06/02/2022 |
Yes |
- Debt collection
- I do not know
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- Written notification about debt
- Didn't receive enough information to verify debt
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Web |
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I XXXX XXXX am a person, non-adverse, non-belligerent, non- combatant party and executer with full life. I am in possession of my credit reports with your voluntary submission of alleged account in question. As you keep reporting the alleged account verified and accurate. I herby dispute this alleged account in its entirety and request the removal of it from my consumer report. This letter also constitutes as a cease and desist, for you CKS Financial ) to stop all attempts at collecting this alleged debt owed to you. This letter is addressing XXXX, XXXX, XXXX and you the direct data furnisher of this subterfuge. CKS Financial must herein provide a true and certified original copy of the complete XXXX XXXX under penalties of perjury of said account, pursuant to 15 USC 1692g of FDCPA. Furthermore in order for CKS Financial to validate this debt, please provide verification through audit certification of debt entry in accordance with G.A.A.P, IFRS, in accordance with BASEL3 and U.N.C.I.T.R.A.L. Conventions. I will also need a certified copy of the original contract with my wet ink signature between me and CKS Financial. Providing that CKS Financial is the holder in due course of the original debt contract and a certified original copy of your Tax Registration Certificate.
I also request the following documentations listed bellow to be certified and sent with your response.
Full accounting for this account Copy of the assignment of purchase from the creditor Every charge and what was purchased, fees, payment, credit, interest paid ) How you calculated what you claim I owe Full chain of assignment from charge off to present Proof that you own the debt with full clear title Proof that you were on the original contract All should be certified and presented to me with a certificate of testimony that the allege account is 100 % accurate and belonging to me. I also request certified testimony that your company, branches, and or offices were in full compliance with the FCRA and all of its mandated rules when it comes to reporting accurately. Please also provided certified testimony on how you validated this debt to all credit reporting agencies and any and all third party reporting agencies you have reported to.
( Fields v. Wilber Law Firm Coppola v. Arrow Financial Services ) ( 73 Am Jr. sect. 93 ) & Gearing v. Check Brokerage Corporation ) Also you have committed the following FDCPA Violations : 806. Harassment and abuse 807. False or misleading representations 808. Unfair practices 809. Validation of debts If you can not provide me with each and every item listed above then you must remove this account from all three of credit reports immediately according to the FDCPA. If you verify this inaccuracy for the credit bureaus without providing me with all of said listed items you are in violation of the law, which carries a fine of {$1000.00} per violation. Any communications not received by certified mail under the Penalties Of Perjury will be refused for course without dishonor and defective upon its face. Failure to substantiate the claim under Penalties Of Perjury, please settle this account immediately within ( 15 ) days.
Notice To Agent notice to principal All Rights Reserved Without Prejudice U.C.C 1-308
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| 06/01/2022 |
Yes |
- Debt collection
- I do not know
|
- Written notification about debt
- Didn't receive enough information to verify debt
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|
Web |
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I XXXX XXXX am a person, non-adverse, non-belligerent, non- combatant party and executer with full life. I am in possession of my credit reports with your voluntary submission of alleged account in question. As you keep reporting the alleged account verified and accurate. I herby dispute this alleged account in its entirety and request the removal of it from my consumer report. This letter also constitutes as a cease and desist, for you CKS Financial to stop all attempts at collecting this alleged debt owed to you. This letter is addressing XXXX, XXXX, XXXX and you the direct data furnisher of this subterfuge. CKS Financial must herein provide a true and certified original copy of the complete XXXX XXXX under penalties of perjury of said account, pursuant to 15 USC 1692g XXXXf FDCPA. Furthermore in order for CKS Financial to validate this debt, please provide verification through audit certification of debt entry in accordance with G.A.A.P, IFRS, in accordance with BASEL3 and U.N.C.I.T.R.A.L. Conventions. I will also need a certified copy of the original contract with my wet ink signature between me and CKS Financia. Providing that ( XXXX XXXX ) is the holder in due course of the original debt contract and a certified original copy of your XXXX XXXX XXXX.
I also request the following documentations listed bellow to be certified and sent with your response.
Full accounting for this account Copy of the assignment of purchase from the creditor Every charge and what was purchased, fees, payment, credit, interest paid ) How you calculated what you claim I owe Full chain of assignment from charge off to present Proof that you own the debt with full clear title Proof that you were on the original contract All should be certified and presented to me with a certificate of testimony that the allege account is 100 % accurate and belonging to me. I also request certified testimony that your company, branches, and or offices were in full compliance with the FCRA and all of its mandated rules when it comes to reporting accurately. Please also provided certified testimony on how you validated this debt to all credit reporting agencies and any and all third party reporting agencies you have reported to.
( Fields v. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ) ( XXXX Am XXXX sect. XXXX ) & Gearing v. Check Brokerage Corporation ) Also you have committed the following FDCPA Violations : XXXX. Harassment and abuse XXXX. False or misleading representations XXXX. Unfair practices XXXX. Validation of debts If you can not provide me with each and every item listed above then you must remove this account from all three of credit reports immediately according to the FDCPA. If you verify this inaccuracy for the credit bureaus without providing me with all of said listed items you are in violation of the law, which carries a fine of {$1000.00} per violation. Any communications not received by certified mail under the Penalties Of Perjury will be refused for course without dishonor and defective upon its face. Failure to substantiate the claim under Penalties Of Perjury, please settle this account immediately within ( XXXX ) days.
Notice To Agent notice to principal All Rights Reserved Without Prejudice U.C.C XXXX
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| 02/23/2021 |
Yes |
- Debt collection
- Credit card debt
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- Communication tactics
- Frequent or repeated calls
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|
Web |
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Payment arrangement was set up with debt collector on/around XX/XX/2021 for a payment of {$75.00} to be automatically deducted from my bank account on XX/XX/2021. The collector continued to call on the following dates : XX/XX/XXXX : XXXX and XXXX XX/XX/XXXX : XXXX, XXXX, XXXX XX/XX/XXXX : XXXX, XXXX, XXXX XX/XX/XXXX : XXXX, XXXX, XXXX XX/XX/XXXX : XXXX, XXXX, XXXX, XXXX XX/XX/XXXX : XXXX, XXXX, XXXX XX/XX/XXXX : XXXX, XXXX XX/XX/XXXX : XXXX XX/XX/XXXX : XXXX, XXXX Most of the calls went to voicemail ( I didn't recognize the phone number ) where no message was left. The calls that I did answer, no one would speak on the other end and I got a dead air noise.
Today at XXXX I finally got someone ( agent XXXX ) to respond when I said hello. She proceeded to tell me that my payment that was due today got declined, that I was already given a payment program of the lowest amount they would accept, and ask me why I would " set up a payment arrangement I knew would get declined. '' I tried explaining that I had unexpected expenses come out of my account and I did NOT expect that payment to be declined. She then asked if I had family I could borrow money from to make the payment. I explained I'm a XXXX mother of XXXX with no family. I suggested I could call my ex husband to inquire about child support and if I received it today, I could call back this afternoon and make the payment. She told me she would speak to her supervisor to see what could be done. I asked for a contact number to call back if I could make that arrangement. She told me I could make two payments on XX/XX/XXXX ( my next pacheck date ) then proceeded to tell me that she had misunderstood her supervisor and could not take 2 payments on XX/XX/XXXX because it falls in another month and I had already missed a payment arrangement in XXXX so my arrangement was voided. I asked if there was a pay in full settlement amount that I could pay in full next month and she told me that she was already sending it to collections since I had defaulted on my payment arrangement. I was under the impression that CKS was already a debt collection agency? She stated that the collection calls will continue until the {$860.00} is paid in full.
When I looked at XXXX XXXX, it shows that this account was already sent to collections on XX/XX/XXXX ( the day AFTER I had set up a payment arrangement for XX/XX/XXXX ). XXXX XXXX also does not show any previous credit card totals for {$860.00} ( only in the {$500.00} range for the credit card they are supposedly calling about ). I have never received any written communication stating the total amount owed to this company.
I believe the amount of phone calls I am receiving from this company is excessive and that if a payment arrangement had already been made, there was no reason for multiple daily calls throughout the days between, and voicemails should be left regarding what they are calling about.I have since had to block their phone number due to the amount of calls I receive with no voicemail left or no one on the other end of the line when I answer. This has become extremely disruptive to my work day and medical appointments for my XXXX XXXX daughter.
|
| 07/14/2020 |
Yes |
- Debt collection
- Payday loan debt
|
- Written notification about debt
- Didn't receive enough information to verify debt
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|
Web |
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In late XXXX/early XX/XX/2020, I received a letter from CKS Financial in the mail, stating I owed " XXXX XXXX '' $ XXXXAccount no : XXXX. After calling ( XXXX ) XXXX ( listed on the letter ) and informing the representative I was not aware of the alleged debt, I was told I could not dispute the aforementioned debt verbally and I would have to submit a written dispute to XXXX ( referenced by the employee and included on the aforementioned letter ).
On XX/XX/2020 at XXXX XXXX-mst, I sent a formal dispute for the alleged debt referenced in account no:XXXX via email to XXXX. The sent message read as follows : " To Whom It May Concern ; My name is XXXX XXXX. I am writing to inform your company that I have no knowledge of the alleged debt referenced under CKS account number XXXX. I am formally disputing this debt and requesting validation of debt for the aforementioned account. Furthermore, I am reminding your company of the federally mandated responsibility your company has to produce requested validation of this alleged debt that is provided in detail through the Fair Debt Collection Practices Act. Failure to fulfill the previous request will result in complaints filed with the Federal Trade Commission, Consumer Finance Protection Bureau, and legal action against your company for violations of the FDCPA. Validation of the alleged debt can be mailed to XXXX XXXX XXXX. XXXX. Thank you.
XXXX XXXX '' I never received the requested information regarding the alleged debt in any form. The next communication received was on XXXX at XXXX XXXX-mst via my personal email ( XXXX ) in the form of a settlement offer regarding the same alleged debt. Upon contacting CKS, I was transferred to " XXXX XXXX '', who claimed to be an operations manager for CKS. Upon questioning why my request was simply ignored, " XXXX '' stated he was not aware of any communications. Further, he claimed he had no knowledge of what the Fair Debt Collection Practice Act was. Upon informing " Mr. XXXX '' of my intent to seek legal counsel, he responded with " that call is not going to happen. '' The call abruptly ended after my statement that " playing stupid would not get him anywhere. '' " Mr. XXXX '' and CKS Financial are in clear violation of federal mandates regarding debt collection and I seek to have this event investigated. I will be contacting my lawyer to pursue them under clear violations of the FDCPA and kindly ask them to be held responsible for their illegal conduct by your organization. I can be reached at ( XXXX ) XXXX or XXXXXXXX to provide any additional information. Thank you in advance for your time and consideration of the matter.
XXXX XXXX
|
| 07/17/2017 |
Yes |
- Debt collection
- Credit card debt
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- Attempts to collect debt not owed
- Debt was paid
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Web |
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Morning, My name is XXXX XXXX . I have been trying to fix my credit now for the pass few months. I have been getting repeated phone calls from this company I have asked them to verify this Debt if not deleted this from my Credit Report instead all I got back was a letter indicating my name and debt amount is correct. Which is not : ( Bellow is the BBB Complaint I had file : XX/XX/2017 Receive Business Response Thank you for the notification of the compliant filed by XXXX ( XXXX ) XXXX . CKS Financial appreciates the opportunity to respond to her concerns. Please note that upon notice of the compliant, a member of our Compliance team conducted an investigation into the allegations, including a review of all telephone and written communication associated with the account. A summary of that investigation follows : On XXXX XXXX , 2017, we received a call from XXXX XXXX after she was informed by the original creditor, that her account had been sold to us. During that conversation, she requested a reduced payment arrangement, as well as a deletion of the account from her credit report. The agent confirmed CKS Financial 's purchase of the account and offered a reduced payment arrangement. The agent also informed XXXX XXXX that if the account was being reported by CKS Financial to a credit reporting agency that it would be reported accurately to reflect the account status.
XXXX
While CKS has attempted to resolve the account with XXXX XXXX and offered several reduced payment arrangements, XXXX XXXX XXXX insistence that we delete the account from her credit report has prevented us from reaching a resolution of the account.
XXXX
In response to XXXX XXXX XXXX allegation of receiving daily telephone calls from our office. A review of the telephone activity does not support that allegation.
XXXX
In response to XXXX XXXX XXXX request for account validation, our records do not reflect receipt of said correspondence. We have however validated the account and have provided it to her along with this response at the address provided by her in this complaint.
We invite XXXX XXXX to contact a member of our Compliance team if she has any questions or would like to provide additional information. A member of our Compliance team is available Monday through Friday from XXXX to XXXX Eastern Standard time and can be reached directly at XXXX or XXXX
XX/XX/2017 Notify Business of Dispute XX/XX/2017 Send Acknowledgement to Consumer XX/XX/2017 Case Reviewed by BBB XX/XX/2017 Case Received by BBB
|
| 07/16/2020 |
Yes |
- Debt collection
- I do not know
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- False statements or representation
- Impersonated attorney, law enforcement, or government official
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Web |
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This company which I have " NO CONTRACT '' with has no legal right to collect on this said debt. Reporting of the debt is a violation of the FCRA. Section 623 ( a ) ( 2 ), Section 623 ( a ) ( 1 ) ( B ), and Section 623 ( b ) ( 1 ) ( E ). Please provide me with a true and certified copy of the complete audit trail/Certified Final Forensic Internal Audit of said account. Furthermore, in order for this company to validate the debt, please provide verification through audit certification of debt entry in accordance with G.A.A.P., I.F.R.S., in accordance with basel 3 accord and U.N.C.I.T.R.A.L Conventions.
Notice Should you fail to provide Us with a copy of Our agreement and provide a persons name that We can communicate with then We will consider this matter at and end and notify you that any further demands for unsolicited goods and services will be regarded as claims for unjust enrichment in contravention of Fair Trading Act 1986, s21c and Unsolicited Goods and Services Act 1975, s4 and will be forwarded to Our solicitor for action. Your failure to respond, within 10 days of the receipt of this notice, and rebut with particularity, everything in this document with which you disagree is your lawful, legal and binding agreement with and admission to the fact that everything in this document is true, correct, legal, and lawful and binding upon you, in any court, anywhere in the United States of America, without your protest or objection or that of those who represent you. Your silence is your acquiescence. See : Connally v. General Construction Co., 269 U.S. 385, 391. Notification of legal responsibility is the first essential of due process law. Also, see U.S. v. Tweel, 550 F. 2d. 297. Silence can only be equated with fraud where there is a legal or moral duty to speak or where an inquiry left unanswered would be intentionally misleading. The recipient of this document is obligated to verify the record is correct or correct such record where a defect is found.
NOTICE TO AGENT IS NOTICE TO PRINCIPAL NOTICE TO PRINCIPAL IS NOTICE TO AGENT SILENCE IS ACQUIESCENCE
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| 08/09/2021 |
Yes |
- Debt collection
- Credit card debt
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- False statements or representation
- Attempted to collect wrong amount
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Web |
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CKS reponsded to a complaint by stating the following : Company 's Response Thank you for the recent notification of the complaint filed by XXXX XXXX XXXX. CKS Financial appreciates the opportunity to respond to their concerns. Upon notice of the complaint, a member of our Compliance Team conducted an investigation into the allegations. The result of that investigation and our response follows. We have conducted an investigation which included a review of the account data provided by the original creditor. The result of that investigation confirmed the name, address, and the amount owed is accurate, as listed on the account. For concerns regarding how it is being reported to the Credit Bureaus we suggest XXXX XXXX XXXX to contact CKS Prime XXXX, XXXX directly. We invite XXXX XXXX XXXX to contact a member of our Compliance Team, if there are any questions. A member of our Compliance Team is available Monday through Friday from XXXX XXXX to XXXX XXXX Eastern Standard time and can be reached directly at XXXX or at XXXX Now in the XXXX ( a ) prohibits a company from furnishing inaccurate information to a CRA. CKS Financial is reporting inaccurate information on my credit report. Please see attached the information and proof of inaccurate reporting, Please DELETE this information on my credit report. They are currently reporting twice on my XXXX credit report which is a FCRA violation ( please see attached proof ), the have reinserted this account back on my XXXX credit report without written notice, which is a FCRA violation. The information that they are reporting to the credit bureau is not accurate and i have attache proof that they are violating the FCRA. A proper investigation is not being done to correct this reporting. The last date active is all different, the date opened is different, and on XXXX is showing its late 120 days with a balance in collection. The reporting again is inaccurate.
|
| 11/05/2015 |
Yes |
- Debt collection
- Credit card
|
- Disclosure verification of debt
- Not given enough info to verify debt
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Web |
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I was contacted by CKS and they were attempting to collect a debt from XXXX XXXX. A company with a history of using illegal practices to take advantage of consumers. I explained that I do not owe this debt and the account was paid in full as part of a debt consolidation. They are reporting this debt with a false original creditor. I have attempted do dispute this and they will not put up the correct original creditor. I only assume because they know XXXX XXXX was sued by the CFPB and want to use deceiving tactics to not allow me to dispute the information on my report correctly. Upon research I found that XXXX XXXX was ordered to pay all effected consumers of the illegal practice by direct payment or account credit including credit to collection accounts. If I have a valid debt CKS would have applied this credit to my account. They basically did n't acknowledge my dispute and they continue to report this on my credit report as an original loan from " XXXX XXXX XXXX '' this is not even a real company I have researched and XXXX XXXX XXXX said they are not the same XXXX XXXX and they habve no affiliation with CKS Financial for debt collection. CKS seems to be wanting to tarnish my credit by keeping this on my report as a different lender.I do believe XXXX XXXX is not allowed to effect consumers reports do to the illegal practices. I only asked that they give me more detail in order for me to pay this debt CKS will not give me anything validating this debt and they told me that they did not and do not have to pay for detailed account information in order to attempt to collect on the debt. Basically I am a name on a list with social and and contact info. They also said my account number was changed from a XXXX to XXXX which is the reason I do now have records of it.
|
| 08/03/2022 |
Yes |
- Debt collection
- I do not know
|
- Attempts to collect debt not owed
- Debt was result of identity theft
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Web |
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On XX/XX/XXXX we received a letter from CKS Financial, a debt collector. They said I owe {$1700.00} to XXXX Bank for a XXXX account. My husband and I thought it was spam because we never had an account with XXXX Bank and we use XXXX products. I almost threw the letter away but my husband suggested I check my credit report.
I checked XXXX XXXX and I learned that a XXXX Bank loan was opened on my credit report on XX/XX/XXXX and my credit score has dropped by nearly 200 points. My credit score is usually over 800. I immediately submitted an identity fraud alert with the Federal Trade Commission on XX/XX/XXXX.
On XX/XX/XXXX I reached out to XXXX Bank customer service and found out that it was a XXXX XXXX loan and not a XXXX XXXX credit card. They notified me that the loan application was made through a XXXX website to purchase an XXXX related product.
I have not played video games in over 10 years and I do not own XXXX. No one in my family owns an XXXX or plays video games. They said they will mail us some paperwork.
On XX/XX/XXXX we also reached out to CKS Financial to let them know that we are claiming identity fraud. Later on the same day we called XXXX to dispute the charge. Thankfully it was removed from my credit report by XX/XX/XXXX.
XXXX Bank sent us paperwork in the mail which requested that we send them the FTC report along with proof of address during the XX/XX/XXXX time frame that the fraud occurred. We supplied them with all the necessary documents they requested.
On XX/XX/XXXX we received mail from XXXX Bank. They denied our claim for identity fraud without any explanation. We intend to call them when their office opens up to try to figure out why they denied the claim and see if there is an appeals process.
|
| 01/02/2020 |
Yes |
- Debt collection
- Credit card debt
|
- Attempts to collect debt not owed
- Debt was result of identity theft
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Web |
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I got an alert back in XX/XX/2019 from the credit bureaus saying that I had a collection added to my file? So I checked my report to find that a company name CKS Financial, put a collection on my account. No one from this company has ever contacted me before, no letters, no phone calls, nothing. ( So how are that putting information on your credit reports?? which is a clear violation of FCRA ). So I wrote them a letter from the information on my report, disputing this collection and asked for validation of this account with my signature because I have never open an account with XXXX XXXX XXXX XXXX XXXX visa or them. Now 4 months later and the account was never validated or no proof of ownership was supplied. All they do is send generic letter stating investigation was done and result show as listed on the account is correct? But were is the proof?? This is another clear violation of the FCRA.
I have been a victim of identity theft two times before, and had to fight to get all of the incorrect information off my reports. What someone did then was use a similar addresses to mine and the account in question is under one of those addresses. So I wrote CKS again all certified mail, telling them that the address they have for me is incorrect, also that I am a victim of identity theft and asked them for validation / send proof of ownership with my signature and still NOTHING!! This debt/ collection does NOT belong to me and need to be removed from my credit file with the credit bureaus ASAP. CKS needs to also send me a letter stating that they are CEASING all collection activities along with removing the collection off my credit report. This company CKS Financial is blatantly violating federal law and must be stopped!!
|
| 08/10/2018 |
Yes |
- Debt collection
- I do not know
|
- Communication tactics
- Called before 8am or after 9pm
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Web |
Servicemember |
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On XX/XX/2018 this company called me at XXXX XXXX central time. The person on the phone was laughing with someone in the background when I answered. They asked for me. I told them I was XXXX and asked them why they were calling me at XXXX XXXX. The person in the line then disconnected the call. I called the number back immediately and asked who they were and why they were calling me at XXXX XXXX. She said they were XXXX XXXX and asked if I was XXXX XXXX. I told her I was and again asked why they were calling me at XXXX XXXX. I was angry and yelling when I said this so the lady told me I could talk to them later she wasnt going to talk to me and hung up. I called them back again and got a person named XXXX. I asked XXXX why they were contacting me and why they would do it so early in the morning. She asked me if I was XXXX XXXX I said that I was and asked why they were calling me. She said they weee calling to collect a debt. I asked why they would call that early in the morning and what debt would they be collecting. XXXX tried to say they never called me this morning. I told her that was a lie and she was the third person from her company I had spoken with this morning. I then told XXXX to remove me from their system and never contact me Again. I told her I have call logs of her company calling me multiple times a day sometimes 9 times or more and with the calls now being before XXXX I want no more contact from them at all. She told me she would remove me from their system and ended the call. I will be filing multiple complaints because 30 min after this call and her confirmation she was removing me from their contact list. I was then called AGAIN by this company.
|
| 03/14/2019 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt is not yours
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Web |
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On or around XX/XX/2019 I received a letter from CKS Financial attempting to collect on a debit for XXXX XXXX XXXX ( DBA ) XXXX XXXX. In the orignial letter it outlined that I personally owed a debit in the amount of ( {$19000.00} ).
Having never opened this account but having a long history of identity theft I looked into the account in question and called their office. I was instructed that they are a online lending company and all accounts would be opened and funded online. When attempting to discuss the matter, I was informed that they no longer had any information on the account in question.
Subsequently, upon reeving this information I made contact with CKS Financial the debit collector attempting to collect on a fraudulent account. As pursuant to the FCRA I requested copies of the original application, proof of a photo id which is required according to the Fair Lending Act, and all appropriate information showing ownership.
Upon submitting my detailed request to CKS Financial on XX/XX/2019 I received a letter indicating they conducted an investigation and the name and address was the same therefore the validation was complete. At this present time CKS Financial has refused to supply proof of ownership and to date has supplied absolutely nothing to validate the claim in question. Based on the information presented I have filed a formal complaint with your office requesting assistance due to the blatant disrespect of the FCRA and its laws governed to protect consumers. At this present time I have turned the law enforcement report validating identity theft along with all material facts to our legal counsel for immediate filling.
|
| 12/30/2019 |
Yes |
- Debt collection
- Payday loan debt
|
- Attempts to collect debt not owed
- Debt was result of identity theft
|
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Web |
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I have lost my wallet several times through out the years and XXXX day I got checks in the mail from XXXX XXXX on an account that I never opened. At the time I was not monitoring my accounts or my credit report. From this experience I singed up for a credit monitoring service and that is when I noticed this charge off from XXXX CKS Financial that I never knew about. Along with this charge there were many other inquiries from various lenders and accounts that were open in my name that I never opened. There were bank accounts and even bills paid on in my name that I never paid and services that was being used that I never used. This has ranged from loans, to cell phones and internet services that were being used in my name and the bills were being paid. On one occasion I got a text message from XXXX saying that my XXXX account may have fraudulent activity on it and I called XXXX to notify them that I do not have an XXXX account and they could not figure out how this happened. To this day there is a bill from XXXX XXXX that is being paid in my name, using my information and XXXX can not find out who the user is and why the statement is being sent to me saying that the bill is paid. There are so many things that I don't understand about this process. CKS Financial owns and account that I never opened and that is fraudulent and bills were being paid in my name and money was being transferred that I never knew about. I filed a police report that is attached and I would like to be cleared from this debt and the delinquent account to be taken off my credit report. Thank you.
|
| 04/15/2019 |
Yes |
- Debt collection
- I do not know
|
- Communication tactics
- You told them to stop contacting you, but they keep trying
|
|
Web |
Servicemember |
|
Continued calls looking for " XXXX XXXX '' to collect a debt. I have had this phone number for 25 years, and no " XXXX XXXX '' has been at this number in that time.
After eight calls, I called " XXXX XXXX '' ( XXXX ) XXXX on XX/XX/XXXX. " Miss XXXX '' said that she would remove my number from their calling. I asked for information about " XXXX XXXX '' and she rudely hung up on me.
After receiving yet another call, I again called " XXXX XXXX '' on XX/XX/XXXX and spoke with " XXXX '' who said that she would remove my number. I asked her if the Attorney General of Texas would be interested in hearing about this case and she rudely hung up on me.
After receiving another eight calls, on XX/XX/XXXX I called the number on my answering machine ( XXXX ) XXXX which seems to be " XXXX XXXX XXXX '' and spoke to an unidentified representative. I explained that I had been receiving calls for XXXX XXXX, not at this number, and the rep hung up on me mid-sentence. I immediately called back and spoke with " XXXX '' and explained the harassment, and asked her if the Attorney General of Texas would be interested in the case. She sarcastically responded " You mean that we have removed the number from our systems? '' I responded no, that I had been harassed numerous times despite telling them that there is no XXXX XXXX at this number. " XXXX '' hung up on me.
On XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX I received another three calls. This time the call back number is ( XXXX ) XXXX. I have taken no other action since receiving these calls.
|
| 10/14/2021 |
Yes |
- Debt collection
- Credit card debt
|
- Written notification about debt
- Didn't receive enough information to verify debt
|
|
Web |
Servicemember |
|
I received a letter dated XX/XX/2021 from this company called CKS Financial trying to collect a debt for XXXX XXXX XXXX XXXX in the amount of {$630.00}. Per the letter, they advised that I had 30 days to dispute the validity of the debt. I mailed a response to CKS Financial on XX/XX/2021 requesting that they provide me with proper validation of this unrecognized debt.
Based upon the information contained in their letter, and my lackof knowledge of an established business relationship, and or obligation withthis company, the alleged debt was disputed in its entirety, including all amounts alleged to be due and owing.
To my surprise, when I refreshed my credit report today, XX/XX/2021, I see that CKS XXXX XXXX is now reporting on my credit reports across the 3 bureaus! On top of that, they listed a date of last activity of XX/XX/2021. How could their possibly be any activity on an account for which I have no knowledge of and that I have yet to receive any documents to validate this debt?
How can this company send me a bill to my home and ask that I can request verification of the debt and when I do, not only did I not receive a response but the account was added to my credit report causing further damage to my credit and putting tremendous stress on me because it is hindering my ability to apply for new lines of credit.
I am including all of my communication with CKS Financial, including the letter they sent to notify me of this debt and my response to them informing them that I dispute this debt.
|
| 07/14/2021 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Information belongs to someone else
|
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Web |
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I've been disputing fraud accounts on my credit report since XX/XX/2021. I keep sending multiple sets of letters to the bureaus and the creditors so the excuse of " we didn't get it '' doesn't happen. Furthermore, each letter is certified mail with tracking and each letter shows signed and delivered and yet the bureaus are still not taking any actions. The accounts are not showing in dispute nor are they removed from my report. The accounts always show up with different name variations and different account number variations and yet the bureaus seem to ignore the trend and let these fraud accounts affect my credit score. I have requested the investigation to be initiated and also verifiable proof to be submitted should the account claim to be mine. Not only have I not received any mail showing the verifiable proofs needed to justify the accounts to be on my report, I haven't even received any letters at all stating the investigations have begun. Per the FCRA and federal law, the process is supposed to be 30 days. 130 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.
|
| 07/06/2021 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Information belongs to someone else
|
|
Web |
|
|
I'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. 60 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.
|
| 08/03/2018 |
Yes |
- Debt collection
- I do not know
|
- Communication tactics
- Used obscene, profane, or other abusive language
|
|
Web |
Servicemember |
|
XX/XX/XXXX called me from number XXXX XXXX XXXX Virginia. The caller informed me that her name was XXXX and she was from XXXX XXXX and she called out my date of birth. I asked XXXX what exactly does the company do and how and why does she have my personal information and she refused to answer what her company did. I informed her that she does have my personal information and why does she have it. She refused to tell me what the company was. At one point she laughed and still asked me my DOB and I once again informed her yes that is my personal information and how and why she has it and what exactly does the company do. She still refused to tell me what XXXX XXXX was. I asked for a manager and a XXXX got on the phone, he called out the last 4 of my social, I again asked how do they have my personal information and who are they. He final told me that they were a debt collection agency and they were trying to collect a debt for XXXX from XX/XX/XXXX. I informed him that was not my debt and to not call me again. He continued to talk and asked me if I wanted the information and I once again informed him that was not my debt and don't call me and I would be reporting his company to the CFPB. I do not owe this debt, I have been a victim of identity fraud and I want all information removed if on my credit. XXXX XXXX refused to identify who they were, they were rude and unprofessional.
|
| 01/17/2020 |
Yes |
- Debt collection
- Credit card debt
|
- False statements or representation
- Attempted to collect wrong amount
|
|
Web |
Servicemember |
|
On XX/XX/2019 I called CKS Financial to discuss a debt that was owed to XXXX XXXX XXXX XXXX ( XXXX Credit Card ). That day I spoke with 4 different customer service representatives on 4 separate phone calls. I had previously called in numerous times and I was told several different answers to the same question. I was concerned with this debt being removed from my credit reports and on some occasions I was told yes, it would be deleted ( removed from all 3 credit bureaus ) after payed and then on some occasion I was told it would not be deleted. On XX/XX/2019 I was told that it would be deleted upon satisfying the debt so I decided to satisfy the debt. I was told by 2 different customer service representatives that it would be deleted once it was payed and that " they do things differently now as in, in the past, this was not an option but now it is ''. I took a leap of faith and was hoping that I was being told the truth. Now, a month later and the amount is updated to " paid '', my credit score has dropped yet again due to this company reporting on the payment and after a dispute with all 3 of the credit bureaus, it has not been removed. I feel as though this company took advantage of my willingness to satisfy the debt and took advantage of me in that moment. This company was deceitful in their tactics to collect from me.
CKS accound ID- XXXX
|
| 06/15/2022 |
Yes |
- Debt collection
- I do not know
|
- False statements or representation
- Attempted to collect wrong amount
|
|
Web |
|
|
Thank you for the notification of the complaint filed by XXXX XXXX. CKS Financial appreciates the opportunity to respond to their concerns. Please note that upon notice of the compliant, a member of our Compliance team conducted an investigation into the allegations, including a review of all inbound and outbound telephone communications associated with the telephone number provided A summary of that investigation follows : We have conducted an investigation which included a review of the account data provided by the original creditor. The result of that investigation confirmed the name, address, and the amount owed is accurate, as listed on the account. Please note, XXXX previously responded to Consumers request for validation on XX/XX/2021, providing validation. The account has since been returned to the current creditor XXXX XXXX XXXX XXXX. We suggest XXXX XXXX contact XXXXXXXX XXXX XXXXXXXX, XXXX directly for any further concerns, including how it is being reporting to the credit bureaus. We invite XXXX XXXX to contact a member of our Compliance team if she has any questions. A member of our Compliance team is available Monday through Friday from XXXX to XXXX Eastern Standard time and can be reached directly at XXXX or by emailing XXXX.
|
| 04/06/2021 |
Yes |
- Debt collection
- Credit card debt
|
- Attempts to collect debt not owed
- Debt was result of identity theft
|
|
Web |
|
|
In SXXXX/XX/XX/2020, I discovered a debt on my credit report that was not mine along with addresses, phone numbers, etc. The debt was from XXXX XXXX XXXX XXXX opened XX/XX/2020 in the amount of {$1500.00}. Since the discovery, I have called multiple times to report it as identity theft. I have spoken with the fraud dept., managers, etc. and I am always told that they will send me paperwork to fill out or someone will call me but neither have happened to this day. I then found out that the account had been sent to CKS Financial which is a collection company. They called me to try to collect the debt and I told them that it is identity theft and sent them proof with all the information they had asked for. They assured me they received everything but were waiting to hear back from their client and they would notify me once they heard something. Still nothing from them so as I was calling and checking on it, I was told by CKS that the account has now been sent to another collection company named XX/XX/XXXX. So I called them and have been told that the account has now been sent back to XXXX XXXX and I have to call them to handle it. I am so tired of the run around!!
|
| 06/15/2022 |
Yes |
- Debt collection
- I do not know
|
- Communication tactics
- You told them to stop contacting you, but they keep trying
|
|
Web |
|
|
Thank you for the notification of the complaint filed by XXXX XXXX. CKS Financial appreciates the opportunity to respond to their concerns. Please note that upon notice of the compliant, a member of our Compliance team conducted an investigation into the allegations, including a review of all inbound and outbound telephone communications associated with the telephone number provided A summary of that investigation follows : We have conducted an investigation which included a review of the account data provided by the original creditor. The result of that investigation confirmed the name, address, and the amount owed is accurate, as listed on the account. The account has since been returned to the current creditor CKS XXXX XXXX XXXX. We suggest XXXX XXXX contact CKS XXXX XXXXXXXX, XXXX directly for any further concerns, including how it is being reporting to the credit bureaus. We invite XXXX XXXX to contact a member of our Compliance team if she has any questions. A member of our Compliance team is available Monday through Friday from XXXX XXXX XXXX Eastern Standard time and can be reached directly at XXXX or by emailing XXXX.
|
| 05/21/2022 |
Yes |
- Debt collection
- Credit card debt
|
- Attempts to collect debt not owed
- Debt was result of identity theft
|
|
Web |
Servicemember |
|
I have been a victim of identity theft on XX/XX/2022 I received a letter in the mail from XXXX XXXX concerning an account I did not open with them. This letter says that I'm being held accountable for an account I did not open. This letter basically states that an email address that was used to open the account was mine. This is not accurate. During the investigation period, no contact with me was made and any attempts made by me to call XXXX have ended with them hanging up on me. When I filed a police report and an FTC identity theft affidavit and sent the complaint, XXXX sold this account to a collection agency immediately. I received notification this account was sold to CKS Financial who is now trying to collect a debt from me I do not owe. in violation of the FCRA. as well as the fair and accurate credit transactions act. I have filed a complaint with the office of the comptroller regarding XXXXXXXX XXXX as well. I'm at the mercy of the CFPB to step in and enforce the laws intended to protect consumers from identity theft I have exhausted all available options I'm able to do myself.
|
| 12/02/2021 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Information belongs to someone else
|
|
Web |
|
|
According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), you are required by federal law to verify - through the physical verification of the original signed consumer contract - any and all accounts you post on a credit report. Otherwise, anyone paying for your reporting services could fax, mail, or email in a fraudulent account.
I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) you have on file of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit. Under the FCRA, unverified accounts must be removed and if you are unable to provide me a copy of the verifiable proof, you must remove the accounts listed below.
To Delete any and all accounts that do not have Verifiable physical proof including the ones below : CKS Financial CKS Account ID : XXXX Balance : {$17000.00} Current Creditor : XXXX XXXX XXXX XXXX Creditor : XXXX XXXX XXXX XXXX XXXX of XXXX XXXXXXXX XXXX Original Account Number Ending In : XXXX
|
| 10/07/2016 |
No |
- Debt collection
- Other (i.e. phone, health club, etc.)
|
- Communication tactics
- Threatened to take legal action
|
|
Web |
|
|
A person by the name of XXXX XXXX called my work phone, which is not a direct contact line. When I returned the call they were asking me personal identity questions while refusing to identify why they were calling or who they were calling on behalf of. They were rude, and in the end threatened me and told me I had to make arrangements today to pay today. I had no prior contact from this agency called CKS financial. I also had not heard of the company they claimed to have received my file from, XXXX XXXX XXXX. When I responded that I was at work and could not take the time to handle this phone call, but would look for something from them in the mail, " XXXX XXXX '' told me I better call back on a break today. Again I repeated that I did not have the time to deal with the call today and again I was told I better call on a break. Then she said she would write in my file that I said I would call back today, I told her I did not say that, but she again said I had to call back on a break today.
|
| 12/31/2019 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt was paid
|
|
Web |
|
|
I am filing this complaint against CKS Prime Investments. I called their office on XX/XX/19 to make a payment of {$4600.00} as this is the amount that they were reporting that I owed on my credit report. I was told that they no longer had the debt and they provided me the number to XXXX XXXX. I then called XXXX XXXX and was told that I needed to contact XXXX XXXX XXXX XXXX to make a payment as they were now the owner of the debt. I made an e-check payment to XXXX XXXX XXXX XXXX on XX/XX/19 for the full amount and was told that this would be reported to CKS Prime. The check cleared my account on XX/XX/19. I can provide my bank statement to validate payment. CKS prime has continued to report to all 3 of my credit reports and is updating the debt as unpaid and is unwilling to update their records. This is a violation of the CFPB and FCRA. I want this company held fully responsible for their illegal debt collection practices and prosecuted to the fullest extent of the law!
|
| 12/13/2019 |
Yes |
- Debt collection
- I do not know
|
- Attempts to collect debt not owed
- Debt was result of identity theft
|
|
Web |
|
|
I am so furious that any company can have power to mess up your lifelyhood to that extent without one 's knowledge most of the time, and they walk away free like this???. Inaccuracies on credit reports costed a lot. I stumbled on my credit report found out that a company named CKS Prime Investment claimed I own them money which I had no clue about. I never entered any agreement nor made any transactions with them. I tried calling them, no info. I filed complaints to the credit bureaus to remove the information so far, no success.
I can't believe it's that easy for companies to target your life without consequences and no one says anything about it. I have no real address for this company, no manager to speak to in order to formally have this information removed from my credit report.
I am against these 3 bureaus which allow such practices without reaching out to costumers. I would have never known otherwise that such injustice was hanging on my head.
|
| 10/21/2020 |
Yes |
- Debt collection
- I do not know
|
- Took or threatened to take negative or legal action
- Threatened or suggested your credit would be damaged
|
|
Web |
|
|
I have called this company, CKS PRIME INVESTMENTS XXXX and I don't know who they are and what they have allegedly lent to me. From what I can see, they are a debt collector and not a creditor. They do not have a license to provide credit and I do not recall ever having received credit from them. They have not provided debt validation according to the Fair Debt Collection Practices Act or the Florida Consumer Collection Practices Act. They are extorting me by appearing on my credit report as a creditor that I have not paid. I do not know this company and they need to remove themselves from my credit report. They are impeding my home buying by reducing my credit score. Due to the low score, I will have to buy my rate and that will cost me extra money at the closing table. I demand that they prove that I have a contract with them and that they have lent me money. If they can not, I demand that they delete this fraudulent account from my credit report.
|
| 01/09/2023 |
Yes |
- Debt collection
- Credit card debt
|
- Attempts to collect debt not owed
- Debt was paid
|
|
Web |
|
|
Received a call from CKS Financial this morning at XXXX XXXX from phone number XXXX. They were trying to collect a debt which was paid in full to Client Services on XX/XX/2023. After staying the debt was paid in full I the agent continued to ask me personal questions. I asked why she needed this info since the debt was paid and I would forward an email confirmation to her. She stated that collection efforts would continue until they got the payment. I told her they are not allowed to contact me again and if they do, I will sue them for the maximum amount I can recover. I was them given their email address to forward the conf to : XXXX.
I believe the time of the call is outside of the allowable times for collection calls and also believe I was threatened with further legal action over a debt which has been paid. Client Services, XXXX, reference number XXXX had been previously handling the account and that's who I made the payment to.
Thank you.
|
| 07/22/2022 |
Yes |
- Debt collection
- Credit card debt
|
- Written notification about debt
- Didn't receive notice of right to dispute
|
|
Web |
|
|
I was contacted by CKS Financial Services, LLC, on Wednesday, XX/XX/2022, at XXXX CST. I filed a previous ticket against CKS Financial Services, LLC, for contacting me multiple times and I have not received any notification, information, or validation of debt/ debt dispute information in writing or anything by XXXX Mail . I have been contacted numerous times by their company. I have received nothing in writing indicating a debt is owed. The company will call and not leave voicemails as well. According to the Fair Debt Practices Collections Act as well as Texas Debt Collection Laws, I am supposed to be informed in writing within five ( 5 ) days since the initial attempt to collect a debt ; there has been more than eleven ( 11 ) days from the first ticket filed and there still has been no contact or writing submission for the debt in question. I have not received any notification by mail either.
|
| 07/26/2021 |
Yes |
- Debt collection
- Credit card debt
|
- Written notification about debt
- Didn't receive enough information to verify debt
|
|
Web |
|
|
I have send a dispute letter to XXXX and XXXX stating the information being reported is inaccurate. A collection account reported by CKS Financial, XXXX XXXX and XXXX XXXX is reporting a past due on my credit report. I sent 3 letters, On on XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX to both bureaus stating that a the date of last active on all three account were different, my collection account was reporting a past due balance, and CKS Finance is reporting twice on my credit file for the account. And my credit report still says the same thing.The FCRA and Regulation V generally require a furnisher to conduct a reasonable investigation of a dispute submitted directly to a furnisher by a consumer concerning the accuracy of any information contained in a consumer report. Please look into this for me. thanks in advance.
|
| 07/30/2021 |
Yes |
- Debt collection
- Credit card debt
|
- Attempts to collect debt not owed
- Debt was paid
|
|
Web |
|
|
CKS PRIME WAS PAID IN FULL ACCORDING TO THEIR OFFER AND STILL SHOWED AS BEING OPEN. I HAVE CONTACTED THEIR SUB COMPANY, DEBTSY AND THEY SENT ME A LETTER STATING THIS ACCOUNT WAS PAID AND ANY FURTHER COMMUNICATION MUST BE WITH CKS PRIME. THEY ARE STILL SHOWING AS OPEN ON ALL 3 CREDIT BUREAUS IMPACTING MY ABILITY TO GET A MORTGAGE. THIS NEEDS TO BE MOVED SO MY CREDIT SCORE WILL INCREASE. THIS IS NOW THE XXXX TIME I HAVE REACHED OUT AND STILL NO ACTION HAS BEEN TAKEN.
THIS ACCOUNT WAS OPENED UNDER MY MARRIAGE NAME OF XXXX FOR WHICH I NO LONGER GO BY.
* I HAVE FORWARD COPIES OF MY BANK STATMENT AND CHECK CLEARNING TO SHOW THE DEBT HAS BEEN PAID TO DEBTSY AND THEY CONTACTED CKS PRIME. THERE ARE WAY TOO MANY HANDLERS WITH COLLECTION ACTIVITY AS THE RIGHT HAND DOES NOT KNOW WHAT THE LEFT HAND IS DOING.
|
| 10/25/2019 |
Yes |
- Debt collection
- Credit card debt
|
- Attempts to collect debt not owed
- Debt was result of identity theft
|
|
Web |
|
|
a credit card and a few other accounts were opened by my x wife with out my consent. i have received multiple letters and phone calls from XXXX XXXX XXXX regarding a account that i did not open or have knowledge of. after explaining this several times i stopped answering there phone calls as i got no were with them and there only concern was to collect a debt i did not owe them. now a collection company named cks financial has began to harass me non stop from multiple numbers and even restricted numbers. there extremely rude and threatening and demand money which i do not owe. a letter to stop harassment was sent to XXXX XXXX XXXX along with a identity theft report FTC report number XXXX even with this both company 's still violate the law and keep harassment daily up too 12 times a day
|
| 08/22/2019 |
Yes |
- Debt collection
- I do not know
|
- Took or threatened to take negative or legal action
- Threatened or suggested your credit would be damaged
|
|
Web |
|
|
CKS Prime Investments placed a collections account in my credit reports. I sent certified letters to the company using information from my credit reports informing I don't owe them, to cease and desist any further reporting and disputed the information in the credit bureaus, but it still remains. It has adversely affected my credit and reputation as a credit worthy person financially because of the decrease of my credit score since they added this to my file. I have never entered into any type of financial agreement with this company nor have I ever signed any documents agreeing to any type of financial responsibility. This is the second time this company owner has done this. I had to fight before to have them removed and now they are doing it again under a slightly different name.
|
| 08/04/2020 |
Yes |
- Debt collection
- Credit card debt
|
- Attempts to collect debt not owed
- Debt was paid
|
|
Web |
|
|
Previous debt owed to XXXX XXXX was paid in full on XX/XX/XXXX directly to the original creditor XXXX XXXX. The check in the amount of {$750.00} was cashed & cleared with no issues. In XXXX CKS Prime Investments ( a collection company ) reported a collection account to XXXX, XXXX & XXXX with a balance of {$750.00}. I never received any prior communication from CKS Prime Investments & tried to resolve this issue directly with CKS staff members including managers. CKS Prime Investments refused to remove the collection account & continue to report the inaccurate balance. The credit bureaus investigation was concluded as " verified as accurate '' even though I have submitted bank statements showing that the debt was paid directly to XXXX XXXX prior to any collection activity.
|
| 10/16/2019 |
Yes |
- Debt collection
- I do not know
|
- Attempts to collect debt not owed
- Debt was paid
|
|
Web |
|
|
On XX/XX/2019 I spoke with the collection agency CKS financial. We had agreed that if I paid the account in full, the account would be deleted from all 3 of the credit agencies. I have attached a recording of myself and a representative/manager for CKS financial agreeing to submit the removal of the account. I am 35 days from closing my home and this is really hindering my ability to move forward. The only reason I agreed to pay it all in full was because they agreed to have it removed. As a pay per deletion agreement. It's pointless to have the account just reporting as Paid in full and still remains in my credit file. Please listen to the recorded file I have attached where manager agrees to remove the account.
I have also Attached a receipt where the account was paid.
|
| 10/11/2020 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Information belongs to someone else
|
|
Web |
|
|
Somebody has been using my identity to open credit card, loans that have not been paid. There is an unbelievable amount of accounts opened, and 41 hard inquires. I seriously need your help I do not know what to do. This is insane. I do not trust anyone please help. This has made my life very difficult. I was receiving fake letters from banks that I was approved, I received credit cards that were fake and didn't work. How am i suppose to fix this, I can not believe it.
Now that I need working capital for my businesses I'm getting denied. How am i suppose to buy a house. I don't know what to do. My car is soon going to be repo because I cant get any help from anyone. Please tell me there is a way to fix this.There is phone numbers that are not mine, jobs I dont know
|
| 02/06/2019 |
Yes |
- Debt collection
- I do not know
|
- Written notification about debt
- Didn't receive notice of right to dispute
|
|
Web |
|
|
I have never signed a contract or entered into a legal agreement with your company or firm. No information has been sent to me and nothing has been proven that neither the information you many have or the debt belongs to XXXX XXXX. Your company has engaged in collection activity prior to validating a debt and has not submitted any documentation to support your claim. This is to serve as your legal notice under federal law ( The Fair Debt Collection Practices Act ) to cease all communication with me in reference to the account above. I do not have an account with your company nor have I ever has an account with any company you claim to represent. Remove this account upon receipt or I will file suite against officers of your company and your company within 5 days.
|
| 11/15/2018 |
Yes |
- Debt collection
- I do not know
|
- Communication tactics
- You told them to stop contacting you, but they keep trying
|
|
Web |
|
|
On XX/XX/XXXX at XXXX someone from XXXX called to discuss a debt that was sold to them from XXXX XXXX. I spoke with the young lady and verified the information. I asked her to cease calls and to communicate through mail only. She commenced to rebuttal that she couldnt send anything else through mail because I havent responded to previous mail that has been sent. I asked her to verify the address on file. She refused and abruptly hung up in my face. Today XX/XX/XXXX at XXXX another person from the same company called me again after asking them NOT to call and cease calls yesterday the agent began to argue with me telling me they dont cease calls and hung up abruptly. This is harassment and a violation of the request to cease and communicate through mail.
|
| 08/06/2015 |
Yes |
- Debt collection
- I do not know
|
- Improper contact or sharing of info
- Contacted employer after asked not to
|
|
Web |
|
|
A woman by the name of " XXXX '' has been contacting me repeatedly throughout the day starting at XXXX-XXXX, as well as my family members and even my new employer ( a 3rd party which she discovered online ) which has NEVER been released to her or any other debt collector. She has been seeking info from my family as well as co-workers, requesting my information/location, verifying where I am working, how she can find me, and even has my co-workers relaying messages to me in order to call her back.. She has also been telling my co-workers that I do n't answer my phone or reply to voice messages which makes me look bad to my employer and puts my job in GREAT jeopardy. One of the numbers she has been calling from is XXXX. IT NEEDS TO STOP!
|
| 02/13/2023 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt was result of identity theft
|
|
Web |
|
|
Per Section 609 ( a ) ( 1 ) of the Fair Credit Reporting Act ( FCRA ), you are required by federal law to verify any and all accounts posted on my credit report/collections, and only report accurate information. I request all verifiable proof you have on file for the late payment listed on the following account with original signatures, no photo copies. Due to having identity theft, I'm requesting that all interactions and correspondence be done through postal mail and not through phone calls and email. My identity and finances have been compromised and I can not have any communication through phone calls or email. I have police reports showing that I have been compromised in my bank account and in my credit.
|
| 05/08/2019 |
Yes |
- Debt collection
- I do not know
|
- Communication tactics
- Used obscene, profane, or other abusive language
|
|
Web |
|
|
Starting on XX/XX/2019 I have received several calls ( up to 5 a day from various numbers ) that all trace back to XXXX. They will not tell me where they are from, only that they are trying to collect a debt. They have repeatedly asked for my social security number and have gotten aggressive, loud, and have used profanity when I will not answer their questions without further information. They have also contacted multiple family members after being asked not to. They have not sent me any written documentation and refuse to tell me what they debt is or who they are calling on behalf of. They are threatening me and family members. I do not know what this is about and have told them I will be reporting them.
|
| 12/30/2018 |
Yes |
- Debt collection
- Other debt
|
- Written notification about debt
- Didn't receive notice of right to dispute
|
|
Web |
|
|
On XX/XX/2018 I sent a request to dispute a dent I found that was being incorrectly reported on my credit reports. I requested information proving I owe the debt and received a simple letter head letter from CKS the amount I owe and nothing proving I owe the debt or any signed account information the debt even belongs to me. I requested this information.
On XX/XX/2018 I sent a second request for the same information requesting signatures and more information from the original creditor being I never received my original letter to dispute this debt prior to reporting within 30 days as allowed under the Fair Credit reporting Act.
I'm not getting any response to validate or prove I owe the debt.
|
| 08/25/2015 |
Yes |
- Debt collection
- Credit card
|
- Cont'd attempts collect debt not owed
- Debt is not mine
|
|
Web |
|
|
CKS Financial continues to collect and report to all XXXX national credit reporting agencies without any merit. I have tried to contact them several times with no response. I contacted the XXXX and the company said it will contact me regarding the complaint. I origionally disputed this debt as not being mine over 75 days ago.I have asked for proof of validation of references debt, they can not provide it to me. They continue to report this false claim on my credit which is affecting me dramactically for no reason.CKS Financially has over XXXX simiular complaints file against them for same practices. Many lawsuits are following for failing to abide by the fair debt act guidelines.
|
| 07/18/2020 |
Yes |
- Debt collection
- Credit card debt
|
- Attempts to collect debt not owed
- Debt was result of identity theft
|
|
Web |
Servicemember |
|
CKS PRIME INVESTMENTS XXXX Collection account. {$690.00} past due as of XX/XX/2020 XXXX XXXX XXXX XXXX I have tried to dispute this information with CKS prime investments and the XXXX XXXX XXXX. I have no idea what this collection is. I am assuming a credit card from what I have investigated.
CKS PRIME INVESTMENTS XXXX Collection account. {$800.00} past due as of XX/XX/2020 XXXX XXXX I have tried to dispute this information with CKS prime investments and the XXXX XXXX XXXX I have no idea what this collection is. I am assuming a credit card from what I have investigated.
If I need to file a police report I will. I did not open these credit cards. These are fraudulent.
|
| 05/27/2020 |
Yes |
- Debt collection
- Other debt
|
- False statements or representation
- Attempted to collect wrong amount
|
|
Web |
Servicemember |
|
I informed the company that this isnt my debt and this is negatively impacting my credit. They failed to validate the debt and the credit bureau wont let me dispute it anymore. They failed to show me anything stating that I owed them with my signature. I called the company and asked to come to mutual agreement as it is not mines but I need it off immediately so that me and my children can move. The representative stated they will submit to credit bureau for deletion. Today I found out they just updated it which was not -greed. They could listen to their alleged recording line. They stated they only delete if paid in full which was not disclosed to me until after I paid.
|
| 12/21/2019 |
Yes |
- Debt collection
- Credit card debt
|
- Took or threatened to take negative or legal action
- Threatened or suggested your credit would be damaged
|
|
Web |
|
|
I had a visa account with XXXX. I purchased several fishing reels with this company on it. Repeatedly they broke and repeatedly I returned them until I gave up because of their poor craftsmanship. I explained this to the company and they agreed to remove it from my account. Years later a debt collection company has come after me and forced me to pay the {$540.00} on the principle that they would quote un quote hold my credit score hostage as stated on the phone. The debt was paid and now they refuse to remove the account from my XXXX report or do anything to fix the damage to my credit having them account relisted after the original creditor agreed to remove it.
|
| 07/09/2015 |
Yes |
- Debt collection
- Credit card
|
- Communication tactics
- Frequent or repeated calls
|
|
Web |
|
|
I began to receive calls, in XX/XX/XXXX, from CKS, from debt collector XXXX. XXXX who threatened to take legal action. From there on, I kept receiving calls from CKS from an automated dialer, which was done without my express or implied consent. I called to complaint and on XX/XX/XXXX I was finally able to speak to someone in the COMPLIANCE DEPARTMENT. I spoke with XXXX XXXX, who told me that they are in compliance with my calls and completely ignored my questions to her when I asked " Do you have my express authorization to use an automatic dialer to call me on my cellular phone. '' She told me to file a complaint with the CFPB or speak to an attorney.
|
| 08/17/2023 |
Yes |
- Debt collection
- I do not know
|
- Threatened to contact someone or share information improperly
- Contacted your employer
|
|
Web |
|
|
I have been working out a debt settlement with CKS Financial. They have my cell phone number and email and I have been extremely responsive about my desire to work out a settlement with them. We have talked on the phone, their chat window, and email.
I talked to them as recently as yesterday just asking to verify that they own the debt for XXXX as well as what payment methods I could pay with.
They then decide today to start calling my place of employment. They spoke with a coworker both identifying that they are a debt collector and asking to speak with me.
I have the screenshots from the employer saying that they are a debt collector.
|
| 08/30/2020 |
Yes |
- Debt collection
- I do not know
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
Servicemember |
|
I checked my credit report on XX/XX/XXXX and there is nothing reported from this company. I recently checked my credit report again, XX/XX/XXXX and now there is something from CKS Prime Investments for XXXX XXXX, showing opened XX/XX/XXXX, past due for {$4000.00} and past due on both my XXXX, and XXXX credit reports. I disputed with both XXXX and XXXX ; however, I do not know the results yet. I have no idea what this is for, never received anything in the mail regarding this debt and it being placed on my credit, and do not believe this is for me. This company is reporting to my credit something that is not mine and should not be reported.
|
| 03/12/2020 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Information belongs to someone else
|
|
Web |
|
|
I'm a victim of identity theft I filed a police report and sent to all credit bureaus XXXX, XXXX, XXXX I dispute a creditor which had been taken off 2 years ago which show up in my XXXX credit report this is fraud then recently it was put back I dispute and was not take off. CKS Prime Investments original XXXX XXXX XXXX it shows Account # XXXX collection opened XX/XX/2018 contact information XXXX XXXX XXXX XXXX XXXX, VA XXXX XXXX I have no idea have never had anything to with this company I called them personally and no way to resolve anything with them I'm desperate or XXXX please help resolve this matter.
Thank you XXXX XXXX XXXX XXXX
|
| 09/23/2019 |
Yes |
- Debt collection
- Credit card debt
|
- Attempts to collect debt not owed
- Debt was result of identity theft
|
|
Web |
|
|
webcollex llc dba cks financial has refused to provide proof of debt per law!
webcollex llc dba cks financial has refused to provide signed contract per law!
webcollex llc dba cks financial has never provided notice of debit or followed any laws related to debt collection.
XXXX XXXX XXXX says original debt is not theirs per - cfpb complaint XXXX-XXXX so confirming not a valid debt and Webcollex is lying!!!!!
Original complaint XXXX-XXXX response was not acceptable, just saying that they confirmed the debit IS NOT PROOF OF ANYTHING!!! They could NOT have confirmed debt because XXXX XXXX already confirmed the debit is not theirs.
|
| 06/05/2020 |
Yes |
- Debt collection
- I do not know
|
- Took or threatened to take negative or legal action
- Threatened or suggested your credit would be damaged
|
|
Web |
|
|
I've received four phone calls this week from the following company : CKS Financial XXXX XXXX XXXX XXXX, VA XXXX Both times a " XXXX XXXX '' has left me a voicemail notifying me that I would be taken to court, arrested if needed, and credit ruined if I didn't immediately call back their mediator by the name of " XXXX XXXX '' at ( XXXX ) XXXX. I have no outstanding debts owned by CKS Financial so this is clearly a scam. I have called the number for Ms XXXX twice and left messages notifying them that I am aware their tactics are illegal and to remove me from their list, but I continue to receive these phone calls on a daily basis.
|
| 05/09/2020 |
Yes |
- Debt collection
- I do not know
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
Cks financial hit my credit report as a line of credit for {$7000.00}. I have never entered into any contracts verbally or written with this company. They have not sent any correspondence as to why or how my personal identification was used to open an illegitimate account. The desired outcome is for them to remove any open accounts under my personal information and close all accounts or services under my personal information. And to be fined for deceptive practices and failure to communicate intent, purpose and documentation for any open credit services or contracts which I have not been a willing party to.
|
| 04/06/2022 |
Yes |
- Debt collection
- I do not know
|
- Took or threatened to take negative or legal action
- Threatened to arrest you or take you to jail if you do not pay
|
|
Web |
Older American, Servicemember |
|
different people from this CKS FINANCIAL make multiple threatning calls to my home and cell numbers using spoofing software showing local numbers on caller id every day saying the sheriff has some arrest papers or something at work .of course we all know that is not so .they have showed insufficient validation seeking unjustifiable amounts using the telephone to annoy and harass me .since XX/XX/XXXX i have blocked over 79 of there numbers showing local spoofing technology area codes that is amazing to see that level of harassment .sent a cease communication to there address on file but was ignored.
|
| 05/16/2015 |
Yes |
- Debt collection
- Other (i.e. phone, health club, etc.)
|
- Disclosure verification of debt
- Right to dispute notice not received
|
|
Web |
|
|
An illegal collection account was placed on my account from CKS Financial. CKS Financial states they are collecting for " XXXX XXXX XXXX. '' I contacted XXXX XXXX XXXX and they state they have ever had an account for me. I contacted CKS Financial with no response. I have also sent a debt validation to them. My address on my credit reports has been up to date, my phone number has not changed. I have not received any communication from CKS Financial and now they are listing a {$330.00} debt on my credit report illegally. I will also be filing a police report related to this incident.
|
| 12/23/2020 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Information belongs to someone else
|
|
Web |
|
|
On XXXX XXXX, 2020, CKS PRIME INVESTMENTS add a derogatory mark on my credit reports. Upon further research, this account was transferred /sold and I am no longer responsible for it. Debtor*s creditors did not verify this collection. Also there was no written form of communication, contract or signature for this account debt at all. A bill without signature does not validate the debt and anybody can send a bill and say it is mine. According to the FCRA CKS PRIME INVESTMENTS has violated my rights as a consumer and I requesting legal action to remove this account immediately.
|
| 05/16/2021 |
Yes |
- Debt collection
- I do not know
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
I, am the consumer in fact, natural person, original creditor, lender, executor, administrator, holder in due course. i only participates in credit transactions for family, personal and household purposes 15 1692a. CKS FINANACIAL violated 15 U.S. Code 1692c ( a ) Without the prior consent of the consumer given directly to the debt collector or the express permission of a court of competent jurisdiction, a debt collector may not communicate with a consumer in connection with the collection of any debt.
Validation of the debt XXXX an XXXX XXXX pursuant to XXXX XXXX
|
| 05/15/2020 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Account status incorrect
|
|
Web |
|
|
CKS FINANCIAL TOLD ME IN WRITING THAT IF I PAID THE FULL BALANCE OF XXXX THEY'LL DELETE IT OFF MY XXXX AND XXXX CREDIT PROFILE. A MONTH LATER THEY UPDATED IT AS " PAID IN FULL '' AND NOT DELETED AS PROMISED. AFTER A BUNCH OF PHONE CALLS AND LETTERS TO XXXX AND XXXX XXXX FINALLY AGREED TO DELETE IT. XXXX HASN'T DELETED IT YET. A MONTH LATER CKS FINANCIAL WENT AHEAD AND ADDED THE PAID COLLECTION ON MY XXXX REPORT. THEY DID THIS A MONTH LATER AFTER THE COLLECTION WAS PAID IN FULL AND AFTER THEY ONLY ADDED IT TO TXXXX AND XXXX A MONTH PRIOR.
|
| 09/10/2015 |
No |
- Debt collection
- I do not know
|
- Cont'd attempts collect debt not owed
- Debt is not mine
|
|
Web |
|
|
I have been receiving calls from XXXX repeatedly at my employer and on my cell phone.
This person does not identify themselves, they simply say that they are trying to collect a debt. I have asked them repeatedly to stop calling and they continue.
They have not said who they are, who they are collecting for and what company they are calling from.
I googled the phone number and see many complaints about the same experiences I am having.
I have no outstanding debt in collection and believe they are phishing for personal information.
|
| 02/24/2022 |
Yes |
- Debt collection
- Medical debt
|
- Communication tactics
- Frequent or repeated calls
|
|
Web |
|
|
On XX/XX/2022 I had submitted a letter asking for written verification of the debt CKS Financial is trying to collect. I had not received any information prior to XX/XX/2022 and have not received written verification by today XX/XX/2022. On XX/XX/2022 I started receiving numerous calls from XXXX on this date I have received 5 calls from this number with 3 being back to back calls. On XX/XX/2022 I again sent a letter requesting that contact be written and wanted verification of the debt. I have still not received verification.
|
| 08/23/2016 |
Yes |
- Debt collection
- I do not know
|
- Communication tactics
- Threatened to take legal action
|
|
Web |
|
|
I received a phone call ( on my cell phone ) stating they wanted to serve me with papers and were confirming my address. They acted as if they were a process server. They then called from the same number XXXX XXXX XXXX XXXX and stated they were a debt collect via leaving a message on my voicemail. They told me to call back XXXX. They stated they were with CKS Financial. I believe they use a fake local number so that I would answer their call. I do n't owe them any money and they should n't be calling me.
|
| 05/04/2022 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Credit monitoring or identity theft protection services
- Problem canceling credit monitoring or identify theft protection service
|
|
Web |
|
|
The fraud was carried out in my name and SSN on XXXX XXXX. I have made several attempts to let CKS financial Services remove it from my report. They are not yielding. At their request, I faxed a Police report to them on XX/XX/XXXX. As of Monday XXXX XXXXXX/XX/XXXX, ( XXXX days ago ), when I spoke with them over the phone, they insisted the credit is valid in my name. The address they have on file for the fraudster is totally different from my address. I have been living in my address for over 17 years.
|
| 11/11/2020 |
Yes |
- Debt collection
- I do not know
|
- Communication tactics
- You told them to stop contacting you, but they keep trying
|
|
Web |
|
|
I have been receiving calls from a debt collector regarding XXXX XXXX. They have been continuously calling me every single day up to 4 times per day. I have told them I do not know who this person is and I have personally owned this # for 12 years. However, they continue to call. They are a nuisance to my life. I have blocked them from each and every number that they have called me from, but they manage to continuously call me. The most recent number that they have called from is XXXX CKS Financial.
|
| 05/29/2019 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Account status incorrect
|
|
Web |
Servicemember |
|
I had an account with a company called XXXX XXXX XXXX that was ultimately charged off and sold to CKS Financial/ XXXX XXXX. I have paid the amount off in full to the CKS Financial/XXXX XXXX in XX/XX/2018 and they have yet to report it to any of the credit bureaus as I was told by them that they would. To date neither XXXX XXXX XXXX nor CKS Financial/XXXX XXXX have changed the status of my account in none of the three credit bureaus and again the account has been paid in full for over six months.
|
| 01/10/2018 |
Yes |
- Debt collection
- I do not know
|
- Written notification about debt
- Didn't receive notice of right to dispute
|
|
Web |
|
|
XXXX XXXX on XX-XX-2017 that negative item was placed on my credit report without notifying me, which is a clear vilation of the early-warning notice clause of FACTA section 623 ( A ) ( 7 ). This law requires all creditors and collectors to notify me by mail before placing negative items on my credit report. Requested XXXX XXXX to remove incorrect information off my credit report. More importantly, XXXX XXXX are in violation of FACTA section 623 ( A ) ( 7 ). Never received any mail from XXXX XXXX.
|
| 11/20/2019 |
Yes |
- Debt collection
- Credit card debt
|
- Written notification about debt
- Didn't receive notice of right to dispute
|
|
Web |
|
|
I recently saw a collection from CKS Financial I called to resolve issue and told them I never received a letter. The woman XXXX hung up on her when I was trying to settle this debt and now they wont answer my call and sends me to a voice mail that they had a storm and no one is in. I just talked to them 1 min prior to that. All I was asking for was a written contract on a certain amount and that I wanted it off my credit report as soon as it was paid. I want a supervisor to call me only.
|
| 02/28/2019 |
Yes |
- Debt collection
- Other debt
|
- Communication tactics
- You told them to stop contacting you, but they keep trying
|
|
Web |
Servicemember |
|
XXXX XXXX has previously been informed that my company does not allow personal calls during work hours, XXXX XXXX continues to call my place of employment. This last time the agent hung up without identifying the company she was calling from. The agent then claimed that the work phone number was the only contact information she had for me, which is false. This harassment at my place of employment needs to stop. This call was received at approximately XXXX XXXX central time on XX/XX/2019.
|
| 09/22/2020 |
Yes |
- Debt collection
- I do not know
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
On XX/XX/20 I sent a letter to CKS Financial requesting that they provide me proof of the alleged debt I owe, by providing the bearing of my signature, a copy of the contract stating I own this debt, the name, address and telephone number of the person who verified this debt. They failed to provide the requested information to me in a timely manner. When they did respond, the only thing they sent me was a brief summary balance. But no proof indicating I own this debt.
Account # XXXX
|
| 07/18/2023 |
Yes |
- Debt collection
- Credit card debt
|
- Communication tactics
- Frequent or repeated calls
|
|
Web |
|
|
CKS Financial is harassing me by repeatedly calling me every day and sometimes multiple times a day trying to collect a credit card debt. I have blocked every number that they call me from. They are calling every morning from a different number. They have even called on the weekends.They have brought this so called debt and have no rights to try and collect on it. I cant take it anymore more, the account is closed, its on my credit report as closed on XX/XX/2023.
|
| 11/05/2021 |
Yes |
- Debt collection
- I do not know
|
- Communication tactics
- Frequent or repeated calls
|
|
Web |
|
|
I have been receiving multiple phone calls a day on my personal number. The representative has been asking from personal information that I refuse to give. I don't owe any collection debt that I am aware of. I pay all my bills on time. The representative was rude and threatening. I have never received any correspondence in the mail regarding a debt. They are now calling from different numbers. This is in reference to cks Financial which I have never heard of.
|
| 07/17/2017 |
Yes |
- Debt collection
- Credit card debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
I am filing this complaint because CKS Financial has ignored my request to provided me with the documents that their company has on file that was used to verify the account I disputed. Being that they have gone past 30 day mark and can not verify these accounts, under Section 611 ( 5 ) ( A ) of the FCRA-they are required to promptly delete all information which can not be verified that I have disputed. Please resolve this manner as soon as possible. Thank you
|
| 06/26/2020 |
Yes |
- Debt collection
- Credit card debt
|
- Communication tactics
- Frequent or repeated calls
|
|
Web |
|
|
The number listed above is my work telephone number. I did not give the original creditor permission to call this number at any time. Yet, now the debt collection agency, CKS Financial is calling this number using a robocaller. Caller ID shows it as XXXX. Today alone I have received 4 calls from this number to my work telephone number. In the past week I have received a total of 20 calls from this number with the same pre-recorded message.
|
| 10/20/2023 |
Yes |
- Credit reporting or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Public record information inaccurate
|
|
Web |
|
|
I made a payment arrangement and paid off the accounts. I paid the account and received proof of payment. I presented proof of payment several times, and yet this collection agency ( which is not the one who I had paid ) has come along and placed collection status on my account and refuses to accept proof of payment for may accounts.
XXXX XXXX XXXX, XXXX {$500.00} Open balance XXXX XXXX XXXX XXXX XXXX XXXXXXXX Original creditor
|
| 09/13/2021 |
Yes |
- Debt collection
- I do not know
|
- Communication tactics
- Frequent or repeated calls
|
|
Web |
Servicemember |
|
This company CKS Financial has been calling my number but I do not know them and I do not owe them for anything and I do not know anything about any relatives debt etc., with them. CKS call everyday all day long until I have to turn off my phone to stop the disturbance. I do not want to talk to them because if they look to see who this phone is registered to they would know they have they wrong person..
|
| 06/03/2020 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Problem with a credit reporting company's investigation into an existing problem
- Investigation took more than 30 days
|
|
Web |
|
|
CKS PRIME has not responded to me regardingmy request to validate the account in the amount of {$1100.00} on my credit report beginning in XX/XX/2020. This company has failed to provide the documents required by law to validate the alleged debt in question. They have not responded at all.
XXXX and XXXX has continued to report this invalidated information which is a direct violation of the FCRA.
|
| 10/08/2022 |
Yes |
- Debt collection
- Credit card debt
|
- Communication tactics
- Used obscene, profane, or other abusive language
|
|
Web |
Servicemember |
|
The debt collector began to demean me for not being able to pay my debt. She began arguing with me, raised my XXXX XXXX and tried to make me feel like I was a horrible person because my priority is not paying this debt in her eyes because I cant come up with the {$600.00} balance. I just lost a family member and am grieving at the moment. They continue to harass me with repeated phone calls.
|
| 04/15/2022 |
Yes |
- Debt collection
- Other debt
|
- Communication tactics
- Frequent or repeated calls
|
|
Web |
|
|
After being in contact with CKS Financial through my cell phone and making 2 payments towards my debt, this company violated the FDCPA law and contacted me at my work number when I never gave them permission to do so. I stated on the phone that my cell was the only number to contact me on, however they called my work to try to collect a payment. I would like this investigated please.
|
| 01/19/2022 |
Yes |
- Debt collection
- I do not know
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
This company is called CKS financial XXXX XXXX XXXX. Reference number is XXXX. They say I have an account XXXX XXXX NA unpaid for the amount of {$910.00}. I have neber opened any bank account or credit line with XXXX XXXX ever. Its not even on my credit report. They call repeatedly and never leave a message from XXXX XXXX XXXX.
XXXX XXXX XXXX XXXX XXXX XXXX XXXX
|
| 04/05/2023 |
Yes |
- Debt collection
- I do not know
|
- Communication tactics
- You told them to stop contacting you, but they keep trying
|
|
Web |
Servicemember |
|
None of my debts are in collection and I use my phone for business. CKS Financial has been using different phone numbers to call my phone and the frequency is increasing despite me telling them several times to quit calling me. Yesterday CKS used the phone number XXXX and today they used XXXX. They have attempted using other numbers over the last two weeks.
|
| 10/30/2015 |
Yes |
- Debt collection
- Credit card
|
- Taking/threatening an illegal action
- Threatened to sue on too old debt
|
|
Web |
|
|
They call my cell phone but i cant answer my phone at work they pull a history and found my work number and they call me there tell me i need to paid this small balance i own yrs ago if not they will take legal action against me. They call mine my work phone with a different number so i can pick up and they call every 3omin and threatened me.
|
| 11/20/2020 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Account information incorrect
|
|
Web |
|
|
cks XXXX XXXX XXXX XXXX XXXX, XXXX ( XXXX ) XXXX agreed to remove the collection from all credit reporting agencies XXXX XXXX XXXX etc if I would pay they collection in full which I did on XX/XX/20 they also promised a letter of satisfaction within 6 days never received that either. I paid this debt in full and they need to remove it
|
| 01/05/2023 |
Yes |
- Debt collection
- I do not know
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
CKS Financial calls me daily. They are calling for someone who is not and has not ever had this number. I have informed them multiple times that they have the incorrect number and to stop calling. they have not for months.
I have told them i would file a complaint and it did not work. I do not know the person they are calling for.
|
| 05/20/2015 |
Yes |
- Debt collection
- Credit card
|
- Improper contact or sharing of info
- Contacted employer after asked not to
|
|
Web |
|
|
On XXXX XXXX, 2015 CKS financial of Virginia contacted my employer. we are not allowed to get phone calls at work. I just talked with them yesterday and told them i would contacat them in 24-48 hours. This needs to be addressed. Thy called XXXX different departments within my work plus contacted me on my cell phone today.
|
| 09/30/2019 |
Yes |
- Debt collection
- I do not know
|
- False statements or representation
- Attempted to collect wrong amount
|
|
Web |
|
|
I was contacted by CKS financial through a letter that they are representing XXXX XXXX a debt collector company. I vehemently disputed the incorrect and inconsistent content of their letter. I have sent a request for debt validation to the company since the original lender will not provide me with any documentation.
|
| 04/22/2015 |
Yes |
- Debt collection
- Other (i.e. phone, health club, etc.)
|
- Improper contact or sharing of info
- Contacted employer after asked not to
|
|
Web |
|
|
I have received several phone calls at work and my work has been contacted by the company for employment verification. I have spoken to CKS and asked that they not call my work but rather my personal phone number. They also continue to call my family which I have asked they discontinue doing as well.
|
| 02/05/2022 |
Yes |
- Debt collection
- I do not know
|
- Communication tactics
- Called before 8am or after 9pm
|
|
Web |
|
|
On XX/XX/22 at XXXX AM, I received the following text message : " Please contact us today at XXXX or log on our website to manage your account https : //cksfin.com/s? t=l2zo. This is a message from a debt collector, any information obtained will be used for that purpose. Reply STOP to opt out ''
|
| 04/30/2021 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
I sent a affidavit to WEBCOLLEX , LLC DBA CKS F telling them i would be happy to settle any financial obligation I might lawfully owe, as soon as I have received the following documentation from you : Validation of the debt ( an audit trail in accordance with GAAP accounting principals ) ;
|
| 05/21/2019 |
Yes |
- Debt collection
- Other debt
|
- Communication tactics
- You told them to stop contacting you, but they keep trying
|
|
Web |
|
|
Again, I've been contacted by XXXX XXXX XXXX and threatened with legal action by a lady named XXXX. I told her the first time that she called me that I was not to be called at work and she continues to harass me and then laugh when I tell her it's unacceptable and needs to stop.
|
| 01/13/2022 |
Yes |
- Debt collection
- Credit card debt
|
- Written notification about debt
- Notification didn't disclose it was an attempt to collect a debt
|
|
Web |
|
|
I made a settlement to CK Financial XXXX XXXX XXXX XXXX, VA XXXX phone Toll-Free XXXX phone Local XXXX send Email XXXX I made a settlement of {$200.00} which was accepted on XX/XX/2021 but the collection agency put on my credit report that the {$200.00} was used as a payment.
|
| 07/14/2021 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Information belongs to someone else
|
|
Web |
|
|
I am a victim of identity theft. The following accounts were opened without my knowledge, consent or authority. I have no idea how the theft took place, nor do I have knowledge of the suspects. I did not receive any money, goods, or services as a result of the identity theft.
|
| 10/30/2022 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Account status incorrect
|
|
Web |
|
|
I have contacted XXXX XXXX XXXX XXXX since XX/XX/2022 to have an account status corrected which is being reported as Open. This account was paid in full XX/XX/2022 account with XXXX XXXX XXXX, XXXX with account number ending in XXXX. Its still showing as paid collection Open
|
| 09/10/2019 |
Yes |
- Debt collection
- Credit card debt
|
- Attempts to collect debt not owed
- Debt was result of identity theft
|
|
Web |
|
|
Just got a letter from:Webcollex LLC DBA CKS Financialoriginal creditor: XXXX XXXX XXXX Brand: XXXX XXXX XXXXsaying I owe $XXXX, but This was part of identity theft that happened in XX/XX/2014 and I filed a police report and FTC report, but these people keep going after me.
|
| 06/04/2020 |
Yes |
- Debt collection
- Other debt
|
- Written notification about debt
- Didn't receive enough information to verify debt
|
|
Web |
|
|
I contacted the credit bureau requesting verification of debt. They only responded verified with no other verification that the debt is factual. I then reached out to the collections agency asking for verification of debt. No one responded to me from the collection agency.
|
| 12/17/2021 |
Yes |
- Debt collection
- I do not know
|
- Communication tactics
- Frequent or repeated calls
|
|
Web |
|
|
I received a call from a local phone number, XXXX however it turns out the collection agency was " spoofing '' this number. The caller left a message stating " This is XXXX XXXX, ID # XXXX from CKS Financial. '' The phone number she asked me to call back was XXXX
|
| 09/26/2021 |
Yes |
- Debt collection
- Other debt
|
- Took or threatened to take negative or legal action
- Collected or attempted to collect exempt funds
|
|
Web |
Servicemember |
|
CKS financial, took me to court for a XXXX, XXXX dollar small claims in XXXX county magistrate court. I called the prosecutor and I was advised to turn in my 100 % XXXX paperwork and I did, but they will not stop harassing 's me with lawsuits. Please advise.
|
| 09/20/2020 |
Yes |
- Debt collection
- Credit card debt
|
- Communication tactics
- You told them to stop contacting you, but they keep trying
|
|
Web |
|
|
CKS Prime Investment has placed a nonverifiable debt on my credit report. It is badly effecting my credit score. I have notified them of the inaccurate information and noncompliance. They will not stop collecting after I told them to Cease and desist.
|
| 04/08/2021 |
Yes |
- Debt collection
- Credit card debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
this account is negatively reporting on my credit report. I never owned this account. This collection was open around XX/XX/2019. The amount was approximately {$630.00}. This company is failing to follow compliance procedures according to the Fcra.
|
| 09/17/2020 |
Yes |
- Debt collection
- Credit card debt
|
- Took or threatened to take negative or legal action
- Threatened to arrest you or take you to jail if you do not pay
|
|
Web |
|
|
COLLECTIONS {$1500.00} Reported balance Check if you should dispute. You can remove an incorrect collection with a dispute. It only takes a few taps and can help your score.
CKS PRIME INVESTMENT {$1500.00} Needs attention HIGH IMPACT
|
| 09/17/2020 |
Yes |
- Debt collection
- Credit card debt
|
- Took or threatened to take negative or legal action
- Threatened to arrest you or take you to jail if you do not pay
|
|
Web |
|
|
COLLECTIONS {$1500.00} Reported balance Check if you should dispute. You can remove an incorrect collection with a dispute. It only takes a few taps and can help your score.
CKS PRIME INVESTMENT {$1500.00} Needs attention HIGH IMPACT
|
| 08/14/2021 |
Yes |
- Debt collection
- Other debt
|
- Took or threatened to take negative or legal action
- Threatened or suggested your credit would be damaged
|
|
Web |
|
|
CSK FINANCIAL company I never have an agreement or signed and business with them. they obtain my personal information on a charged off personal debt and caused damage to my life because my credit score is my life.
|
| 10/01/2020 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Account information incorrect
|
|
Web |
Servicemember |
|
I spoke with them today. They said the only way to get the bill removed is to file a dispute. I have tried that they are still reporting. I have paid their collection company XXXX. I am attaching the receipt.
|
| 12/28/2020 |
Yes |
- Debt collection
- I do not know
|
- Written notification about debt
- Didn't receive enough information to verify debt
|
|
Web |
|
|
I have contacted the creditor/company many times, but they have failed to provide me with necessary documents that will prove this account or debt belongs to me and it has resulted in loss of credit rating.
|
| 11/01/2020 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt was result of identity theft
|
|
Web |
|
|
I was victim of identity theft and I contacted the collection agency and provided information informing them that my identity was stolen and advised them I contacted the original creditor XXXX XXXX.
|
| 09/26/2017 |
Yes |
- Debt collection
- Payday loan debt
|
- Written notification about debt
- Didn't receive enough information to verify debt
|
|
Web |
|
|
Received multiple letters/phone calls from Webcollex LLC dba CKS Financial, trying to attempt a debt. Requested a notarized debt validation letter between self and Webcollex LLC dba CKS Financial.
|
| 05/11/2017 |
Yes |
- Debt collection
- Credit card debt
|
- Written notification about debt
- Didn't receive enough information to verify debt
|
|
Web |
|
|
XXXX / XXXX / XXXX , {$1200.00}, mailed certified debt verification letter to collection company, no response as of yet. Collection company is not licensed to collect in the state of Arizona.
|
| 10/16/2020 |
Yes |
- Debt collection
- Credit card debt
|
- Threatened to contact someone or share information improperly
- Contacted you after you asked them to stop
|
|
Web |
|
|
I tried to pay this debt my card was ran and then they reversed the payment. They then continued to call me telling they didn't have the payment. I asked them to stop thinking it was fraud.
|
| 10/21/2019 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Information belongs to someone else
|
|
Web |
|
|
CKS Financial # XXXX is reporting an account that is not mine. I have never heard of this and have no idea what this is. I never received anything for it and I am very sure it is not mine.
|
| 10/14/2019 |
Yes |
- Debt collection
- I do not know
|
- Threatened to contact someone or share information improperly
- Contacted your employer
|
|
Web |
|
|
You are trying to contact me at my job for about 3 weeks now. I have sent an e-mail on XX/XX/2019 to your company asking you not to contact me at my job. This is an illegally practice.
|
| 05/08/2020 |
Yes |
- Debt collection
- I do not know
|
- Written notification about debt
- Didn't receive enough information to verify debt
|
|
Web |
|
|
I have disputed this account and have reached out to the company/creditors MANY times but failed. This account is being reported inaccurately and incorrectly on my credit report.
|
| 05/23/2021 |
Yes |
- Debt collection
- Credit card debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
CKS FINANCIAL THIS IS REPORTING ON MY CREDIT REPORT AND THE INFORMATION IS INACCURATE, I NEVER HAD THIS ACCOUNT IT WAS REMOVED OFF MY REPORT AND RECENTLY ADDED BACK ON MY REPORT
|
| 08/12/2019 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt was result of identity theft
|
|
Web |
|
|
XXXX XXXX is a fraud account that was supposedly fixed after I filed a police report and affidavit ( attached here ). Now CKS Prime is reporting it as a collection on my credit.
|
| 01/04/2020 |
Yes |
- Debt collection
- I do not know
|
- Attempts to collect debt not owed
- Debt was result of identity theft
|
|
Web |
|
|
The original account was a result of identity theft. I have disputed with CKS financial regarding this fraudulent account and therefore their fraudulent collection account.
|
| 04/19/2023 |
Yes |
- Debt collection
- I do not know
|
- Communication tactics
- Frequent or repeated calls
|
|
Web |
|
|
They keep calling my phone so often that it interrupts all other business I'm trying to do with my phone. It rings every XXXX seconds or so.
|
| 06/03/2021 |
Yes |
- Debt collection
- I do not know
|
- Attempts to collect debt not owed
- Debt was result of identity theft
|
|
Web |
|
|
CKS financial closed the account and sold it back to original creditor. Please remove from my credit file.
See attached letter from CKS
|
| 12/04/2022 |
Yes |
- Debt collection
- Other debt
|
- Communication tactics
- Called before 8am or after 9pm
|
|
Web |
|
|
Has called me several times before XXXX, they have called at XXXX or before from their east coast offices.
|
| 07/25/2020 |
Yes |
- Debt collection
- Credit card debt
|
- Written notification about debt
- Didn't receive enough information to verify debt
|
|
Web |
|
|
I need this account to be fully verified with all original documents from the original creditor.
|
| 09/16/2022 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Account information incorrect
|
|
Web |
|
|
CKS financial Investment account was paid and they are refusing to update my credit report.
|
| 08/12/2022 |
Yes |
- Debt collection
- Credit card debt
|
- Written notification about debt
- Didn't receive enough information to verify debt
|
|
Web |
|
|
I NEVER GOT VALIDATION VIA MAIL OR VIA ELECTRONICALLY I NEED THEM TO CEASE AND DESIST
|
| 08/17/2018 |
Yes |
- Debt collection
- I do not know
|
- Threatened to contact someone or share information improperly
- Talked to a third-party about your debt
|
|
Web |
|
|
They call everyday at a number that waa not given to them and third party about debt
|
| 07/12/2023 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Credit monitoring or identity theft protection services
- Didn't receive services that were advertised
|
|
Web |
|
|
I never applied with that company. That and I never lived in Texas
|
| 06/18/2021 |
Yes |
- Debt collection
- Credit card debt
|
- Communication tactics
- Frequent or repeated calls
|
|
Web |
|
|
cks financial are harrassing me they have called 13 times today
|
| 02/06/2016 |
Yes |
- Debt collection
- I do not know
|
- Cont'd attempts collect debt not owed
- Debt is not mine
|
|
Web |
|
|
I do n't owe this. Please send copy of contract & statements
|
| 06/26/2023 |
Yes |
- Debt collection
- I do not know
|
- Communication tactics
- You told them to stop contacting you, but they keep trying
|
|
Web |
Servicemember |
|
I get calls every day and night non-stop. Make them stop.
|
| 11/14/2020 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Account information incorrect
|
|
Web |
|
|
Please forward the information to CKS Financial. Thanks!
|
| 05/09/2023 |
Yes |
- Debt collection
- I do not know
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
This debt is not mine I notified to remove account
|
| 12/18/2020 |
Yes |
- Debt collection
- Credit card debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
Please review the attached documents
|
| 12/29/2023 |
Yes |
- Credit reporting or other personal consumer reports
- Credit reporting
|
- Improper use of your report
- Reporting company used your report improperly
|
|
Web |
|
|
|
| 12/28/2023 |
Yes |
- Credit reporting or other personal consumer reports
- Credit reporting
|
- Problem with a company's investigation into an existing problem
- Their investigation did not fix an error on your report
|
|
Web |
|
|
|
| 12/13/2023 |
Yes |
- Debt collection
- Payday loan debt
|
- Written notification about debt
- Didn't receive enough information to verify debt
|
|
Web |
|
|
|
| 10/30/2023 |
Yes |
- Debt collection
- I do not know
|
- Took or threatened to take negative or legal action
- Threatened to sue you for very old debt
|
|
Web |
|
|
|
| 09/22/2023 |
Yes |
- Debt collection
- Other debt
|
- Took or threatened to take negative or legal action
- Threatened or suggested your credit would be damaged
|
|
Web |
|
|
|
| 08/15/2023 |
Yes |
- Debt collection
- Credit card debt
|
- Attempts to collect debt not owed
- Debt was result of identity theft
|
|
Web |
|
|
|
| 08/12/2023 |
Yes |
- Debt collection
- I do not know
|
- Written notification about debt
- Didn't receive enough information to verify debt
|
|
Web |
|
|
|
| 07/31/2023 |
Yes |
- Debt collection
- Credit card debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
|
| 07/13/2023 |
Yes |
- Debt collection
- Credit card debt
|
- Took or threatened to take negative or legal action
- Threatened or suggested your credit would be damaged
|
|
Web |
|
|
|
| 06/30/2023 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Information belongs to someone else
|
|
Web |
|
|
|
| 04/16/2023 |
Yes |
- Debt collection
- I do not know
|
- Written notification about debt
- Didn't receive enough information to verify debt
|
|
Web |
|
|
|
| 04/11/2023 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt was result of identity theft
|
|
Web |
|
|
|
| 04/06/2023 |
Yes |
- Debt collection
- Credit card debt
|
- False statements or representation
- Attempted to collect wrong amount
|
|
Web |
|
|
|
| 04/03/2023 |
Yes |
- Debt collection
- Credit card debt
|
- Attempts to collect debt not owed
- Debt was result of identity theft
|
|
Web |
|
|
|
| 04/01/2023 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Information belongs to someone else
|
|
Web |
|
|
|
| 03/30/2023 |
Yes |
- Debt collection
- Other debt
|
- Communication tactics
- You told them to stop contacting you, but they keep trying
|
|
Web |
Servicemember |
|
|
| 03/20/2023 |
Yes |
- Debt collection
- Credit card debt
|
- Took or threatened to take negative or legal action
- Threatened or suggested your credit would be damaged
|
|
Web |
|
|
|
| 02/14/2023 |
Yes |
- Debt collection
- Credit card debt
|
- Written notification about debt
- Didn't receive enough information to verify debt
|
|
Web |
|
|
|
| 01/29/2023 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Improper use of your report
- Reporting company used your report improperly
|
|
Web |
|
|
|
| 01/18/2023 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Information belongs to someone else
|
|
Web |
|
|
|
| 01/04/2023 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Information belongs to someone else
|
|
Web |
|
|
|
| 12/30/2022 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt was result of identity theft
|
|
Web |
|
|
|
| 11/25/2022 |
Yes |
- Debt collection
- Credit card debt
|
- Written notification about debt
- Didn't receive enough information to verify debt
|
|
Web |
|
|
|
| 11/23/2022 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Improper use of your report
- Reporting company used your report improperly
|
|
Web |
|
|
|
| 11/19/2022 |
Yes |
- Debt collection
- I do not know
|
- Written notification about debt
- Didn't receive notice of right to dispute
|
|
Web |
|
|
|
| 11/17/2022 |
Yes |
- Debt collection
- Credit card debt
|
- Attempts to collect debt not owed
- Debt was result of identity theft
|
|
Web |
|
|
|
| 11/10/2022 |
Yes |
- Debt collection
- I do not know
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
|
| 10/31/2022 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Improper use of your report
- Reporting company used your report improperly
|
|
Web |
|
|
|
| 10/17/2022 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Improper use of your report
- Credit inquiries on your report that you don't recognize
|
|
Web |
|
|
|
| 10/07/2022 |
Yes |
- Debt collection
- Credit card debt
|
- Threatened to contact someone or share information improperly
- Talked to a third-party about your debt
|
|
Web |
|
|
|
| 10/01/2022 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Problem with a credit reporting company's investigation into an existing problem
- Was not notified of investigation status or results
|
|
Web |
Servicemember |
|
|
| 09/02/2022 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Information belongs to someone else
|
|
Web |
|
|
|
| 08/04/2022 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
|
- Credit monitoring or identity theft protection services
- Billing dispute for services
|
|
Web |
|
|
|
| 07/25/2022 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Improper use of your report
- Reporting company used your report improperly
|
|
Web |
|
|
|
| 07/19/2022 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Improper use of your report
- Reporting company used your report improperly
|
|
Web |
|
|
|
| 07/15/2022 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Improper use of your report
- Reporting company used your report improperly
|
|
Web |
|
|
|
| 06/29/2022 |
Yes |
- Debt collection
- Credit card debt
|
- Communication tactics
- You told them to stop contacting you, but they keep trying
|
|
Web |
|
|
|
| 06/14/2022 |
Yes |
- Debt collection
- Credit card debt
|
- Communication tactics
- Frequent or repeated calls
|
|
Web |
|
|
|
| 06/13/2022 |
Yes |
- Debt collection
- I do not know
|
- Communication tactics
- You told them to stop contacting you, but they keep trying
|
|
Web |
|
|
|
| 06/09/2022 |
Yes |
- Debt collection
- Credit card debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
|
| 05/30/2022 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
|
| 05/18/2022 |
Yes |
- Debt collection
- Credit card debt
|
- Took or threatened to take negative or legal action
- Threatened to arrest you or take you to jail if you do not pay
|
|
Web |
|
|
|
| 04/22/2022 |
Yes |
- Debt collection
- I do not know
|
- Threatened to contact someone or share information improperly
- Contacted you after you asked them to stop
|
|
Web |
|
|
|
| 04/11/2022 |
Yes |
- Debt collection
- I do not know
|
- Written notification about debt
- Didn't receive notice of right to dispute
|
|
Web |
|
|
|
| 03/24/2022 |
Yes |
- Debt collection
- Credit card debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
|
| 03/20/2022 |
Yes |
- Debt collection
- Credit card debt
|
- Attempts to collect debt not owed
- Debt was result of identity theft
|
|
Web |
|
|
|
| 03/17/2022 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Problem with a credit reporting company's investigation into an existing problem
- Their investigation did not fix an error on your report
|
|
Web |
|
|
|
| 03/14/2022 |
Yes |
- Debt collection
- Credit card debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
|
| 03/07/2022 |
Yes |
- Debt collection
- Credit card debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Phone |
|
|
|
| 02/16/2022 |
Yes |
- Debt collection
- Credit card debt
|
- Communication tactics
- Used obscene, profane, or other abusive language
|
|
Phone |
Servicemember |
|
|
| 01/30/2022 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
|
- Incorrect information on your report
- Account information incorrect
|
|
Web |
Older American, Servicemember |
|
|
| 01/10/2022 |
Yes |
- Debt collection
- Credit card debt
|
- Attempts to collect debt not owed
- Debt was paid
|
|
Web |
Servicemember |
|
|
| 11/23/2021 |
Yes |
- Debt collection
- I do not know
|
- Communication tactics
- Called before 8am or after 9pm
|
|
Web |
|
|
|
| 10/03/2021 |
Yes |
- Debt collection
- Credit card debt
|
- Written notification about debt
- Didn't receive enough information to verify debt
|
|
Web |
|
|
|
| 09/29/2021 |
Yes |
- Payday loan, title loan, or personal loan
- Installment loan
|
- Struggling to pay your loan
|
|
Web |
|
|
|
| 09/06/2021 |
Yes |
- Debt collection
- I do not know
|
- Took or threatened to take negative or legal action
- Threatened or suggested your credit would be damaged
|
|
Web |
|
|
|
| 08/23/2021 |
Yes |
- Debt collection
- Credit card debt
|
- Written notification about debt
- Didn't receive enough information to verify debt
|
|
Web |
|
|
|
| 08/17/2021 |
Yes |
- Debt collection
- Credit card debt
|
- Attempts to collect debt not owed
- Debt was paid
|
|
Web |
|
|
|
| 08/09/2021 |
Yes |
- Debt collection
- I do not know
|
- Written notification about debt
- Didn't receive enough information to verify debt
|
|
Web |
|
|
|
| 07/15/2021 |
Yes |
- Debt collection
- I do not know
|
- Communication tactics
- Frequent or repeated calls
|
|
Web |
|
|
|
| 07/15/2021 |
Yes |
- Debt collection
- I do not know
|
- Communication tactics
- Frequent or repeated calls
|
|
Web |
|
|
|
| 07/13/2021 |
Yes |
- Debt collection
- Credit card debt
|
- Communication tactics
- Frequent or repeated calls
|
|
Web |
|
|
|
| 07/10/2021 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
|
| 07/07/2021 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt was result of identity theft
|
|
Web |
|
|
|
| 06/09/2021 |
Yes |
- Debt collection
- Other debt
|
- Written notification about debt
- Didn't receive enough information to verify debt
|
|
Referral |
|
|
|
| 06/07/2021 |
Yes |
- Debt collection
- Credit card debt
|
- Took or threatened to take negative or legal action
- Threatened or suggested your credit would be damaged
|
|
Web |
Older American |
|
|
| 05/18/2021 |
Yes |
- Debt collection
- Credit card debt
|
- Attempts to collect debt not owed
- Debt was result of identity theft
|
|
Web |
|
|
|
| 05/12/2021 |
Yes |
- Debt collection
- Credit card debt
|
- Written notification about debt
- Didn't receive enough information to verify debt
|
|
Web |
|
|
|
| 05/12/2021 |
Yes |
- Debt collection
- Credit card debt
|
- Written notification about debt
- Didn't receive enough information to verify debt
|
|
Web |
|
|
|
| 04/30/2021 |
Yes |
- Debt collection
- I do not know
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
|
| 04/13/2021 |
Yes |
- Debt collection
- I do not know
|
- Communication tactics
- Frequent or repeated calls
|
|
Web |
|
|
|
| 04/10/2021 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
|
| 03/11/2021 |
Yes |
- Debt collection
- Credit card debt
|
- Written notification about debt
- Didn't receive enough information to verify debt
|
|
Web |
|
|
|
| 02/26/2021 |
Yes |
- Debt collection
- I do not know
|
- Written notification about debt
- Didn't receive enough information to verify debt
|
|
Web |
|
|
|
| 02/17/2021 |
Yes |
- Debt collection
- Credit card debt
|
- Attempts to collect debt not owed
- Debt was result of identity theft
|
|
Web |
|
|
|
| 02/06/2021 |
Yes |
- Debt collection
- Credit card debt
|
- Attempts to collect debt not owed
- Debt was paid
|
|
Web |
|
|
|
| 01/27/2021 |
Yes |
- Debt collection
- Credit card debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
|
| 01/06/2021 |
Yes |
- Debt collection
- Credit card debt
|
- Written notification about debt
- Didn't receive enough information to verify debt
|
|
Web |
|
|
|
| 12/23/2020 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Problem with a credit reporting company's investigation into an existing problem
- Investigation took more than 30 days
|
|
Web |
|
|
|
| 12/15/2020 |
Yes |
- Debt collection
- Credit card debt
|
- False statements or representation
- Attempted to collect wrong amount
|
|
Web |
Servicemember |
|
|
| 12/11/2020 |
Yes |
- Debt collection
- Credit card debt
|
- False statements or representation
- Attempted to collect wrong amount
|
|
Web |
|
|
|
| 12/04/2020 |
Yes |
- Debt collection
- I do not know
|
- Written notification about debt
- Didn't receive enough information to verify debt
|
|
Web |
|
|
|
| 12/03/2020 |
Yes |
- Debt collection
- Credit card debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
|
| 11/22/2020 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Account status incorrect
|
|
Web |
|
|
|
| 11/19/2020 |
Yes |
- Debt collection
- Credit card debt
|
- Attempts to collect debt not owed
- Debt was result of identity theft
|
|
Web |
|
|
|
| 11/13/2020 |
Yes |
- Debt collection
- I do not know
|
- Written notification about debt
- Didn't receive notice of right to dispute
|
|
Web |
|
|
|
| 11/06/2020 |
Yes |
- Debt collection
- Other debt
|
- Written notification about debt
- Didn't receive enough information to verify debt
|
|
Fax |
|
|
|
| 11/05/2020 |
Yes |
- Debt collection
- Credit card debt
|
- Attempts to collect debt not owed
- Debt was result of identity theft
|
|
Web |
|
|
|
| 10/27/2020 |
Yes |
- Debt collection
- Credit card debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
|
| 10/26/2020 |
Yes |
- Debt collection
- I do not know
|
- Written notification about debt
- Didn't receive notice of right to dispute
|
|
Web |
|
|
|
| 10/23/2020 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Problem with a credit reporting company's investigation into an existing problem
- Investigation took more than 30 days
|
|
Web |
|
|
|
| 09/23/2020 |
Yes |
- Debt collection
- I do not know
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
|
| 09/10/2020 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Information belongs to someone else
|
|
Web |
|
|
|
| 09/01/2020 |
Yes |
- Debt collection
- Credit card debt
|
- False statements or representation
- Attempted to collect wrong amount
|
|
Web |
|
|
|
| 08/08/2020 |
Yes |
- Debt collection
- I do not know
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
|
| 08/03/2020 |
Yes |
- Debt collection
- I do not know
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
|
| 07/29/2020 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Information belongs to someone else
|
|
Web |
|
|
|
| 07/21/2020 |
Yes |
- Debt collection
- Credit card debt
|
- Attempts to collect debt not owed
- Debt was paid
|
|
Web |
|
|
|
| 07/20/2020 |
Yes |
- Debt collection
- Credit card debt
|
- Written notification about debt
- Didn't receive enough information to verify debt
|
|
Web |
|
|
|
| 07/07/2020 |
Yes |
- Debt collection
- Credit card debt
|
- Attempts to collect debt not owed
- Debt was result of identity theft
|
|
Web |
|
|
|
| 07/06/2020 |
Yes |
- Debt collection
- Credit card debt
|
- Attempts to collect debt not owed
- Debt was result of identity theft
|
|
Web |
|
|
|
| 07/05/2020 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Account status incorrect
|
|
Web |
|
|
|
| 06/29/2020 |
Yes |
- Debt collection
- Credit card debt
|
- Communication tactics
- Frequent or repeated calls
|
|
Phone |
|
|
|
| 05/12/2020 |
Yes |
- Debt collection
- I do not know
|
- Attempts to collect debt not owed
- Debt was result of identity theft
|
|
Web |
|
|
|
| 05/08/2020 |
Yes |
- Debt collection
- I do not know
|
- Attempts to collect debt not owed
- Debt was result of identity theft
|
|
Web |
|
|
|
| 04/22/2020 |
Yes |
- Debt collection
- I do not know
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
|
| 04/17/2020 |
Yes |
- Debt collection
- I do not know
|
- Written notification about debt
- Didn't receive enough information to verify debt
|
|
Web |
|
|
|
| 03/31/2020 |
Yes |
- Debt collection
- I do not know
|
- Written notification about debt
- Didn't receive enough information to verify debt
|
|
Web |
|
|
|
| 03/02/2020 |
Yes |
- Debt collection
- I do not know
|
- Written notification about debt
- Didn't receive enough information to verify debt
|
|
Web |
|
|
|
| 02/14/2020 |
Yes |
- Debt collection
- I do not know
|
- Communication tactics
- Called before 8am or after 9pm
|
|
Web |
|
|
|
| 02/01/2020 |
Yes |
- Debt collection
- Payday loan debt
|
- Communication tactics
- Frequent or repeated calls
|
|
Web |
Servicemember |
|
|
| 12/04/2019 |
Yes |
- Debt collection
- Other debt
|
- Written notification about debt
- Didn't receive enough information to verify debt
|
|
Web |
|
|
|
| 11/13/2019 |
Yes |
- Debt collection
- Other debt
|
- Written notification about debt
- Didn't receive enough information to verify debt
|
|
Web |
|
|
|
| 11/07/2019 |
Yes |
- Debt collection
- Credit card debt
|
- Attempts to collect debt not owed
- Debt was result of identity theft
|
|
Web |
|
|
|
| 10/08/2019 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt was paid
|
|
Web |
|
|
|
| 09/19/2019 |
Yes |
- Debt collection
- I do not know
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Postal mail |
|
|
|
| 09/12/2019 |
Yes |
- Debt collection
- I do not know
|
- Attempts to collect debt not owed
- Debt was result of identity theft
|
|
Web |
|
|
|
| 09/12/2019 |
Yes |
- Debt collection
- I do not know
|
- Attempts to collect debt not owed
- Debt was result of identity theft
|
|
Web |
|
|
|
| 09/09/2019 |
Yes |
- Debt collection
- Other debt
|
- Written notification about debt
- Didn't receive enough information to verify debt
|
|
Web |
Servicemember |
|
|
| 08/28/2019 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Information belongs to someone else
|
|
Web |
|
|
|
| 08/28/2019 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Problem with a credit reporting company's investigation into an existing problem
- Their investigation did not fix an error on your report
|
|
Web |
|
|
|
| 08/20/2019 |
Yes |
- Debt collection
- I do not know
|
- Attempts to collect debt not owed
- Debt was result of identity theft
|
|
Web |
|
|
|
| 06/18/2019 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Problem with a credit reporting company's investigation into an existing problem
- Their investigation did not fix an error on your report
|
|
Web |
|
|
|
| 05/19/2019 |
Yes |
- Debt collection
- Credit card debt
|
- Attempts to collect debt not owed
- Debt was paid
|
|
Web |
|
|
|
| 05/13/2019 |
Yes |
- Debt collection
- Other debt
|
- Written notification about debt
- Didn't receive enough information to verify debt
|
|
Web |
|
|
|
| 04/03/2019 |
Yes |
- Debt collection
- I do not know
|
- Written notification about debt
- Didn't receive enough information to verify debt
|
|
Web |
|
|
|
| 02/26/2019 |
Yes |
- Debt collection
- I do not know
|
- Attempts to collect debt not owed
- Debt was paid
|
|
Phone |
|
|
|
| 11/30/2018 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Problem with a credit reporting company's investigation into an existing problem
- Their investigation did not fix an error on your report
|
|
Web |
|
|
|
| 10/24/2018 |
Yes |
- Debt collection
- Credit card debt
|
- Communication tactics
- Frequent or repeated calls
|
|
Web |
|
|
|
| 10/19/2018 |
Yes |
- Debt collection
- Other debt
|
- Threatened to contact someone or share information improperly
- Talked to a third-party about your debt
|
|
Web |
|
|
|
| 10/06/2018 |
Yes |
- Debt collection
- Other debt
|
- False statements or representation
- Attempted to collect wrong amount
|
|
Web |
|
|
|
| 07/31/2018 |
Yes |
- Debt collection
- I do not know
|
- Communication tactics
- Frequent or repeated calls
|
|
Web |
|
|
|
| 07/03/2018 |
Yes |
- Debt collection
- Credit card debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
|
| 03/23/2018 |
Yes |
- Debt collection
- I do not know
|
- Threatened to contact someone or share information improperly
- Contacted your employer
|
|
Web |
|
|
|
| 03/01/2018 |
Yes |
- Debt collection
- I do not know
|
- Attempts to collect debt not owed
- Debt was result of identity theft
|
|
Web |
|
|
|
| 11/06/2017 |
No |
- Debt collection
- Other debt
|
- False statements or representation
- Attempted to collect wrong amount
|
|
Web |
|
|
|
| 11/02/2017 |
No |
- Debt collection
- Other debt
|
- Written notification about debt
- Didn't receive enough information to verify debt
|
|
Fax |
|
|
|
| 06/08/2017 |
Yes |
- Debt collection
- Other debt
|
- Threatened to contact someone or share information improperly
- Talked to a third-party about your debt
|
|
Web |
|
|
|
| 04/19/2017 |
Yes |
- Debt collection
- Other (i.e. phone, health club, etc.)
|
- Disclosure verification of debt
- Not given enough info to verify debt
|
|
Referral |
|
|
|
| 03/22/2017 |
Yes |
- Debt collection
- Credit card
|
- Communication tactics
- Threatened to take legal action
|
|
Postal mail |
|
|
|
| 02/20/2017 |
Yes |
- Debt collection
- Other (i.e. phone, health club, etc.)
|
- Improper contact or sharing of info
- Contacted employer after asked not to
|
|
Web |
|
|
|
| 02/16/2017 |
Yes |
- Debt collection
- Other (i.e. phone, health club, etc.)
|
- Improper contact or sharing of info
- Contacted employer after asked not to
|
|
Web |
|
|
|
| 02/07/2017 |
Yes |
- Debt collection
- Other (i.e. phone, health club, etc.)
|
- Improper contact or sharing of info
- Talked to a third party about my debt
|
|
Web |
|
|
|
| 10/12/2016 |
Yes |
- Debt collection
- Other (i.e. phone, health club, etc.)
|
- Cont'd attempts collect debt not owed
- Debt is not mine
|
|
Referral |
|
|
|
| 02/05/2016 |
Yes |
- Debt collection
- Other (i.e. phone, health club, etc.)
|
- Communication tactics
- Frequent or repeated calls
|
|
Web |
|
|
|
| 01/28/2016 |
Yes |
- Debt collection
- I do not know
|
- Cont'd attempts collect debt not owed
- Debt is not mine
|
|
Web |
|
|
|
| 01/20/2016 |
Yes |
- Debt collection
- Other (i.e. phone, health club, etc.)
|
- Improper contact or sharing of info
- Talked to a third party about my debt
|
|
Web |
Servicemember |
|
|
| 11/18/2015 |
Yes |
- Consumer Loan
- Installment loan
|
- Managing the loan or lease
|
|
Web |
|
|
|
| 08/28/2015 |
Yes |
- Debt collection
- Other (i.e. phone, health club, etc.)
|
- Disclosure verification of debt
- Not given enough info to verify debt
|
|
Referral |
|
|
|
| 08/20/2015 |
Yes |
- Debt collection
- I do not know
|
- Improper contact or sharing of info
- Talked to a third party about my debt
|
|
Web |
|
|
|
| 07/29/2015 |
Yes |
- Debt collection
- Credit card
|
- Cont'd attempts collect debt not owed
- Debt resulted from identity theft
|
|
Web |
|
|
|
| 03/27/2015 |
No |
- Debt collection
- Credit card
|
- Cont'd attempts collect debt not owed
- Debt is not mine
|
|
Web |
|
|
|
| 02/18/2015 |
No |
- Debt collection
- Other (i.e. phone, health club, etc.)
|
- Communication tactics
- Frequent or repeated calls
|
|
Phone |
|
|
|
| 12/11/2014 |
Yes |
- Debt collection
- I do not know
|
- Cont'd attempts collect debt not owed
- Debt is not mine
|
|
Web |
|
|
|
| 12/04/2014 |
Yes |
- Debt collection
- Credit card
|
- Disclosure verification of debt
- Not given enough info to verify debt
|
|
Web |
|
|
|
| 09/18/2014 |
Yes |
- Debt collection
- I do not know
|
- Cont'd attempts collect debt not owed
- Debt is not mine
|
|
Web |
|
|
|
| 09/14/2014 |
Yes |
- Debt collection
- Credit card
|
- Improper contact or sharing of info
- Contacted me after I asked not to
|
|
Web |
|
|
|
| 09/11/2014 |
Yes |
- Debt collection
- I do not know
|
- Cont'd attempts collect debt not owed
- Debt is not mine
|
|
Web |
|
|
|
| 08/27/2014 |
Yes |
- Debt collection
- I do not know
|
- Disclosure verification of debt
- Not given enough info to verify debt
|
|
Web |
|
|
|
| 06/27/2014 |
Yes |
- Debt collection
- Other (i.e. phone, health club, etc.)
|
- Cont'd attempts collect debt not owed
- Debt is not mine
|
|
Referral |
Older American |
|
|
| 06/27/2014 |
Yes |
- Debt collection
- Payday loan
|
- Cont'd attempts collect debt not owed
- Debt was paid
|
|
Web |
Servicemember |
|
|
| 06/20/2014 |
Yes |
- Debt collection
- Other (i.e. phone, health club, etc.)
|
- False statements or representation
- Indicated committed crime not paying
|
|
Web |
|
|
|
| 05/24/2014 |
Yes |
- Debt collection
- Other (i.e. phone, health club, etc.)
|
- Taking/threatening an illegal action
- Threatened to sue on too old debt
|
|
Web |
Servicemember |
|
|
| 05/19/2014 |
Yes |
- Debt collection
- I do not know
|
- Disclosure verification of debt
- Not given enough info to verify debt
|
|
Web |
|
|
|
| 05/19/2014 |
Yes |
- Debt collection
- Payday loan
|
- Disclosure verification of debt
- Not given enough info to verify debt
|
|
Referral |
|
|
|
| 05/19/2014 |
Yes |
- Debt collection
- Other (i.e. phone, health club, etc.)
|
- Disclosure verification of debt
- Not given enough info to verify debt
|
|
Referral |
|
|
|
| 04/15/2014 |
Yes |
- Debt collection
- I do not know
|
- Cont'd attempts collect debt not owed
- Debt is not mine
|
|
Web |
Servicemember |
|
|
| 03/31/2014 |
Yes |
- Debt collection
- Payday loan
|
- Communication tactics
- Frequent or repeated calls
|
|
Web |
Older American |
|
|
| 03/26/2014 |
Yes |
- Debt collection
- I do not know
|
- Cont'd attempts collect debt not owed
- Debt is not mine
|
|
Web |
|
|
|
| 03/26/2014 |
Yes |
- Debt collection
- I do not know
|
- Communication tactics
- Frequent or repeated calls
|
|
Web |
|
|
|
| 03/04/2014 |
Yes |
- Debt collection
- Credit card
|
- Disclosure verification of debt
- Not given enough info to verify debt
|
|
Web |
|
|
|
| 02/25/2014 |
Yes |
- Debt collection
- I do not know
|
- Communication tactics
- Frequent or repeated calls
|
|
Web |
|
|
|
| 02/17/2014 |
Yes |
- Debt collection
- I do not know
|
- False statements or representation
- Indicated committed crime not paying
|
|
Web |
Older American |
|
|
| 01/23/2014 |
Yes |
- Debt collection
- I do not know
|
- Improper contact or sharing of info
- Contacted me after I asked not to
|
|
Web |
|
|
|
| 01/07/2014 |
Yes |
- Debt collection
- Payday loan
|
- Communication tactics
- Threatened to take legal action
|
|
Web |
|
|
|
| 01/04/2014 |
Yes |
- Debt collection
- Credit card
|
- Disclosure verification of debt
- Not given enough info to verify debt
|
|
Web |
|
|
|
| 12/30/2013 |
Yes |
- Debt collection
- Credit card
|
- Improper contact or sharing of info
- Talked to a third party about my debt
|
|
Web |
|
|
|
| 12/30/2013 |
Yes |
- Debt collection
- I do not know
|
- Cont'd attempts collect debt not owed
- Debt is not mine
|
|
Web |
|
|
|
| 12/21/2013 |
Yes |
- Debt collection
- I do not know
|
- Improper contact or sharing of info
- Contacted me after I asked not to
|
|
Web |
|
|
|
| 12/13/2013 |
No |
- Debt collection
- Payday loan
|
- Communication tactics
- Frequent or repeated calls
|
|
Phone |
|
|
|
| 12/07/2013 |
Yes |
- Debt collection
- I do not know
|
- Communication tactics
- Frequent or repeated calls
|
|
Web |
|
|
|
| 10/30/2013 |
Yes |
- Debt collection
- Credit card
|
- Communication tactics
- Frequent or repeated calls
|
|
Phone |
Older American |
|
|
| 10/25/2013 |
Yes |
- Debt collection
- Credit card
|
- Improper contact or sharing of info
- Contacted employer after asked not to
|
|
Web |
|
|
|