Date Received: 2022-10-13
Issue: Written notification about debt
Subissue: Didn't receive notice of right to dispute
Consumer Complaint: This was over XXXX cell phones. The amount is $ XXXX sent them back XXXX. They could not find them in the wear house. Then they found that I sent the wrong XXXX. I ask them to except them as my return they said it had been too long. I called every month starting in XXXX of XXXX and they found the phones in XXXX. They said it had been to long that they couldn't write it off because it had been so long. But I had been calling then every month since XXXX. Now this is Team- mobile. I ended up with XXXX phones because of XXXX XXXX I opened up an account with XXXX with XXXX phones for me and my son. Okay I received a letter a few days later saying that I could get a senior account so I called them and they sent me XXXX more phones to change over I don't know why and then I was supposed to mail the others back I got all confused I ended up sending the wrong phones back this is XXXX 's fault I should have never been mailed the XXXX phones now I have this on my credit report I argued with them for XXXX months if they're going to leave this on my credit report they need to mail me them XXXX phones back. Please help me get this off my credit report.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: MI
Zip: 484XX
Submitted Via: Web
Date Sent: 2022-10-13
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-10-11
Issue: Took or threatened to take negative or legal action
Subissue: Threatened or suggested your credit would be damaged
Consumer Complaint: I've had this phone since XX/XX/XXXX. When I asked about unlocking my phone, I was told that it needed to be paid off before unlocking. The person I spoke with said that I owed {$240.00} then said a different amount when I asked her again. So, I bought a new XXXX that claimed to be compatible with XXXX ; it wasn't. I asked the person why since the package stated it was and she didn't know. I've dealt with customer service several times regarding other e-mails on my account ; they said they don't have control about that. I questioned the person about requesting they be removed and he/she said they'd take care of it every time I called but it wasn't, resulting in XXXX XXXX ( XXXX ), XXXX XXXX XXXX Then I asked about the protection which I paid for and was told they ( XXXX ) couldn't control or fix the problems. I have not used this account since XX/XX/XXXX. They have charged me since then and I am not even connected to them. Thank you, XXXX XXXX XXXX
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: MT
Zip: 59601
Submitted Via: Web
Date Sent: 2022-10-11
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-10-11
Issue: Attempts to collect debt not owed
Subissue: Debt was result of identity theft
Consumer Complaint: In accordance with the Fair Credit Reporting act XXXX Account # XXXX, has violated my rights. 5 U.S.C 1681 section 602 A. States I have the right to privacy. 5 U.S.C 1681 Section 604 A Section 2 : It also states a consumer porting agency can not furnish a account without my written instructions 5 U.S.C 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: PA
Zip: 191XX
Submitted Via: Web
Date Sent: 2022-10-11
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-10-10
Issue: Written notification about debt
Subissue: Didn't receive enough information to verify debt
Consumer Complaint: I transferred my phone service from XXXX to another provider in XXXX. I realized the following month that I had not completely canceled because I had another charge come out of my checking account through auto bill pay. So I called XXXX to cancel and prevent that from happening again. I CALLED FOR XXXX MONTHS and could never get anywhere with an employee. I was told a supervisor would call me to sort it out. No one ever called. I kept being told they couldn't do anything in the middle of a cycle and to wait until my next statement came out. No one actually cancelled my service until XXXX months later! The final person I spoke to on the phone in XXXX, informed me that noone had actually cancelled my service yet. They had just un-enrolled me in auto bill pay. He told me my final statement would come out on XX/XX/XXXX and it would reflect no new charges. I NEVER RECEIVED MY BILL IN THE MAIL. I never even received an email. Instead of a bill, I have received a statement from a debt collector that says I owe XXXX {$600.00}. I TRIED CANCELING FOR XXXX MONTHS. XXXX deceived me and failed me.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: FL
Zip: 34997
Submitted Via: Web
Date Sent: 2022-10-10
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-10-10
Issue: Incorrect information on your report
Subissue: Information belongs to someone else
Consumer Complaint: FRADULENT ACCOUNTS AND IDENTITY THEFT
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: FL
Zip: 33033
Submitted Via: Web
Date Sent: 2022-10-10
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-10-09
Issue: Attempts to collect debt not owed
Subissue: Debt is not yours
Consumer Complaint: Earlier this month ( XX/XX/2022 ) I disputed a collection attempt from Convergent Outsourcing and was told it was resolved and removed from reporting agencies. A couple of days after the dispute it was removed from my credit report. Three days later ( XX/XX/XXXX ), the mark was back on my XXXX credit report and my credit score dropped. I have written confirmation that convergent requested it be removed.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: TX
Zip: 75098
Submitted Via: Web
Date Sent: 2022-10-09
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-10-09
Issue: Incorrect information on your report
Subissue: Public record information inaccurate
Consumer Complaint: My ex-wife charged a cell phone to an account I did not know about. This charge was after the marriage ended. This was a fraud. I should not be responsible for something that was done without my approval. I contacted the merchant and explained that I did not approve this charge. I was not utilizing this account in any form. This account was managed without my awareness.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: MS
Zip: 39564
Submitted Via: Web
Date Sent: 2022-10-09
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-10-07
Issue: Written notification about debt
Subissue: Didn't receive enough information to verify debt
Consumer Complaint: N accordance with the Fair Credit Reporting Act Convergent Outsourcing Account # XXXX has violated my rights. 15 U.S.C 1681 section 602 A. States I have the rights to privacy 15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: CA
Zip: 95348
Submitted Via: Web
Date Sent: 2022-10-07
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-10-07
Issue: Problem with a credit reporting company's investigation into an existing problem
Subissue: Their investigation did not fix an error on your report
Consumer Complaint: Hello, my name is XXXX XXXX, and I'm writing to request your help in contacting this company. I attempted to contact them in order to see why someone had created an account in my name. This is a serious matter, and I'm disappointed that it's now having an effect on my XXXX XXXX. I do not give anyone permission to use my name, date of birth, or any other personal information since it violates Data Privacy. They must determine who started the account in my name and simply transfer the information to that person. Kindly help me in fixing this issue.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: FL
Zip: 33770
Submitted Via: Web
Date Sent: 2022-10-07
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-10-06
Issue: Incorrect information on your report
Subissue: Information belongs to someone else
Consumer Complaint: I contacted XXXX XXXX and explained to them that the account did not belong to me. It was removed from my XXXX but its still on my XXXX and XXXX report. I've tried to resolve this issue. But that account is not mine.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: LA
Zip: 70454
Submitted Via: Web
Date Sent: 2022-10-06
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A