Date Received: 2020-06-18
Issue: Written notification about debt
Subissue: Didn't receive notice of right to dispute
Consumer Complaint: I have been trying to resolve this debt collection for about a year now. Finally someone picked up the phone today and I let them know that I wanted to settle my account but they said they had to transfer me. As soon as they transferred me, the next person gave me a number to call that is disconnected. There are many things I would like to do that I cant because of this being on my credit but they arent giving me a way to settle it or make a payment. I tried calling back the original number and now no one will answer.
Company Response:
State: LA
Zip: 706XX
Submitted Via: Web
Date Sent: 2020-06-24
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-06-18
Issue: Attempts to collect debt not owed
Subissue: Debt is not yours
Consumer Complaint: XXXX XXXX billing department representative passed the statute of limitations for billing my dental insurance. There are dates that the billing department representative billed the wrong insurance company : XX/XX/XXXX to XX/XX/XXXX : XXXX XXXX XXXX XXXX XXXX XXXX XXXX, PA XXXX ( insurance coverage - primary ) Billed XXXX XXXX on XX/XX/XXXX for following amounts ( {$400.00}, {$370.00}, {$370.00}, and {$200.00} Additional coverage was with XXXX as well during this time but I had a Federal plan from XX/XX/XXXX to XX/XX/XXXX ( insurance coverage-secondary ) Billed XXXX XXXX XXXX on XX/XX/XXXX XXXX XXXX {$64.00} XX/XX/XXXX XXXX XXXX and XXXX {$180.00} My copay was XX/XX/XXXX for {$28.00}, XX/XX/XXXX {$55.00}, and XX/XX/XXXX {$83.00}. XXXX XXXX XXXX was my secondary and they paid for my copay which is correct on XX/XX/XXXX {$28.00} and XX/XX/XXXX {$83.00} Lastly, as a military member if I am on XXXX XXXX per XXXX receiving XXXX care, I can not be billed during that time. I was on XXXX XXXX orders. I also had XXXX XXXX insurance. I changed to due to better options. The billing representative verbally stated to me that I had so many insurances. However she does pre authorization especially for my personal XXXX plans so I can know what my copay is. This is part of the scheduling process. Approval has to be made to ensure the insurance will cover it or the expense will be on the fault of the patient. I personally contacted the XXXX plans and they did see where billing came to there office but it passed the statute of limitations due to it originally arriving at the wrong location.
Company Response:
State: MI
Zip: 48091
Submitted Via: Web
Date Sent: 2020-06-18
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-06-17
Issue: False statements or representation
Subissue: Impersonated attorney, law enforcement, or government official
Consumer Complaint: 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 XXXXrail/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 : XXXX v. XXXX XXXX XXXX, 269 U.S. 385, 391. Notification of legal responsibility is the first essential of due process law. Also, see XXXX v. XXXX, 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
Company Response:
State: AZ
Zip: XXXXX
Submitted Via: Web
Date Sent: 2020-06-17
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-06-16
Issue: Written notification about debt
Subissue: Didn't receive enough information to verify debt
Consumer Complaint: Repeatedly requested a written copy of the debt, breakdown to confirm. Repeatedly asked for a statement of bill. Was told they are not sending anything else out. Others said they would and never have. Made multiple phone calls without resolution. I have been not able to make any progress to confirm the bill and make payment, ut I keep getting threatening harassing calls.
Company Response:
State: MD
Zip: 21207
Submitted Via: Web
Date Sent: 2020-06-16
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-06-16
Issue: Incorrect information on your report
Subissue: Information belongs to someone else
Consumer Complaint: In XXXX of 2020, I found out that I had become a victim of identity theft. After being denied for a credit card, I saw a collection account on my credit report. The account had been opened with XXXX XXXX years prior and had never been paid on. The debt has been sold to several companies. I reached out to each debt collection agency and provided them with a letter notifying them that my identity had been stolen and that I would need the account to be removed. All responded stating that the debt was mine. I followed up by requesting that they provide me with any statements, payment slips, records of phone numbers that were used to activate the account, original contracts with my signature and a summary of their investigation to validate that the debt was mine. Alongside that, I requested that they notify the original creditor that the account was the result of identity theft and that the stop reporting the account to the credit agencies. None adhered to any of my requests and instead they all sent me a bill to pay for the collection.
Company Response:
State: TX
Zip: 77014
Submitted Via: Web
Date Sent: 2020-06-16
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-06-12
Issue: Incorrect information on your report
Subissue: Account status incorrect
Consumer Complaint: I paid XXXX XXXX {$130.00} On XXXX XXXX 2020. The collection agency Trans World has a amount of {$110.00} I cant get them to remove it from my credit file. I told them of my rights under the consumer protection act. They don't seem to understand that they need to remove from my credit report.
Company Response:
State: VA
Zip: 226XX
Submitted Via: Web
Date Sent: 2020-06-12
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-06-10
Issue: Attempts to collect debt not owed
Subissue: Debt is not yours
Consumer Complaint: On XX/XX/XXXX I sent a request to verify the debt the company claim I owe. Few days ago I received account statements via mail. According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), they are required by federal law to verify - through the physical verification of the original signed consumer contract - any and all accounts posted on a credit report. I ask to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) they have on file. The failure to positively verify these accounts has hurt my ability to obtain credit. Under the FCRA, unverified accounts must be removed and if they are unable to provide me a copy of verifiable proof, they must remove the account.
Company Response:
State: OH
Zip: 44256
Submitted Via: Web
Date Sent: 2020-06-10
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-06-09
Issue: Incorrect information on your report
Subissue: Account information incorrect
Consumer Complaint: I have contacted Trans world systems on numerous occasions trying to resolve this issue on this account this account is paid and should be removed They referred me to contact XXXX XXXX XXXX @ XXXX several times I'm not sure who that is and if the payment has reached them they told me to pay XXXX and the account would be removed from my report because the settlement has been satisfied this is stopping me from have a correct score on my report please Remove the account from my report. I spoke with XXXX at the law firm on XX/XX/2020 for the third time trying to have this resolved.
Company Response:
State: NC
Zip: 275XX
Submitted Via: Web
Date Sent: 2020-06-09
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-06-09
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: I sent information to XXXX, disputing an erroneous claim by a collection agency representing XXXX for an alleged unpaid bill. I sent to XXXX extensive documentation of my cancellation of the account, the reasons/proof behind the cancellation, and my extensive follow-up after I became aware of an issue. Its " investigation '' was apparently to confirm with the collection agency that the debt was valid. They have no proof or documentation that I did not cancel or agreed to continued insurance beyond the date for which I had paid. So, this was not a real investigation. Also, the collection agency has no judgment or other proof : they are just reporting false information ( submitted under another complaint. ) I requested a property insurance policy through XXXX in XX/XX/2019, as a requirement for a HELOC application. I signed up for auto payment. I enrolled in the plan through the phone and internet. All of my documents, signature pages and payments were electronic. In XX/XX/2019, a title issue with the property blocked the HELOC from moving forward ; I had been approved, but could not get funded as a result. I therefore notified XXXX in writing that I was cancelling the policy, since I had only added it to comply with the loan requirement. No auto payment was taken thereafter and I received no correspondence on the matter, so I had every reason to assume the policy had been cancelled as directed. In fall 2019, I became aware of a derogatory credit entry. It stemmed from XXXX 's claim that I owed 2 months premium for the policy which it did not cancel until XX/XX/2019. I contacted them immediately and described my cancellation. I was given several false answers and information, stating that XXXX did not accept written cancellation ( it's the law ), that it never received mine, that there were other reasons my auto payments had been stopped and also that all correspondence had been sent to the property address by mail, even though my account was completely e-notice AND it was an investment property occupied by tenants. XXXX also did not offer a landlord policy. When I provided all of my documentation, they stated that they would only " backdate '' my cancellation if I could show proof of another policy, which is completely irrelevant. The property remains uninsured and wasn't insured prior to the policy with XXXX, so that is a completely made-up requirement. The insurance company is XXXX and the collection agency is TransWorld System Inc.
Company Response:
State: MI
Zip: 482XX
Submitted Via: Web
Date Sent: 2020-06-09
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-06-08
Issue: Dealing with your lender or servicer
Subissue: Don't agree with the fees charged
Consumer Complaint: i made payments on this student loan with XXXX XXXX XXXX XXXX XXXX for 10 yrs and i now owe more than i borrowed.. have attempted to get copy of all payments and where money went without success..i have filed bankruptcy in XXXX was told did not want debt added to my bankruptcy but made separate..says i owe over {$8000.00} but will take XXXX over 60 months..
Company Response:
State: TN
Zip: 380XX
Submitted Via: Web
Date Sent: 2020-06-19
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A