State Collection Service, Inc.

Date Received: 2019-02-28T00:00:00.000

Product: Medical debt

Issue: Attempts to collect debt not owed

Consumer Consent Provided to Share Complaint: Consent provided

Consumer Complaint: I incurred a bill at XXXX XXXX XXXX ( XXXX ) in XXXX of XXXX. The billing was incorrect in that about a {$9000.00} insurance payment had not been applied. After I called and spoke with a representative of XXXX in mid XXXX, the insurance info was re-submitted and the remainder was my portion of the bill to pay. I made bi-weekly payments until XX/XX/XXXX when I paid the remainder of the bill ( {$100.00} ) in full. XXXX never sent me any notice stating that my account was sent to a collection agency. In fact, my balance was still on the website where my payments were received and as stated, I was still making payments on the balance of over {$200.00} dollars, bi-weekly.

I did get a letter from a collection agency but I disregarded it because the balance was incorrect, I never received notice about my balance going to collections, I had never heard of State Collection Services and it looked like a scheme to impersonate a non-existent state agency, and XXXX was still showing the correct balance and accepting my regular payments. XXXX received the last payment on XX/XX/XXXX and I received a credit monitoring alert today, XX/XX/XXXX that a collection agency has posted to my account.

Company: State Collection Service, Inc.

State/Zip: DE

Company Response to Complaint: Closed with explanation

Was Company Response Timely: Yes

Did Consumer Dispute Company Response: N/A

Complaint ID: 3165939

JPMORGAN CHASE & CO.

Date Received: 2019-02-28T00:00:00.000

Product: Credit card debt

Issue: Attempts to collect debt not owed

Consumer Consent Provided to Share Complaint: Consent provided

Consumer Complaint: My dad and mom had an account credit card with Chase. He died in XX/XX/XXXX. My mom filed bankrupt in XX/XX/XXXX. Account # XXXX. Now the account is on my credit report showing as mine in XX/XX/XXXX as a charge off. Chase has already been guilty of this practice before of selling bad debt.My SSN somehow got tied to this account. Ive never had an account with these Chase people. Contacted Chase and given the run around. Sent them my dads death certificate and moms bankrupt papers with no luck.

Company: JPMORGAN CHASE & CO.

State/Zip: SC

Company Response to Complaint: Closed with explanation

Was Company Response Timely: Yes

Did Consumer Dispute Company Response: N/A

Complaint ID: 3165836

DISCOVER BANK

Date Received: 2019-03-01T00:00:00.000

Product: I do not know

Issue: Took or threatened to take negative or legal action

Consumer Consent Provided to Share Complaint: Consent provided

Consumer Complaint: On Tuesday XX/XX/XXXX, I was notified by my bank that a hold/freeze was placed on my account. I was given a phone number to contact ( which was to XXXX, XXXX & XXXX XXXX, XXXX ), but not given any specifics as to why the funds were on hold, but that there was only a legal hold and that my bank must honor it. All of the funds in my account were placed on hold and I am still currently unable to access any of them. This includes funds I need to pay for child support as well as my rent and life saving medication. It is important to note that I have never been in contact or received any communication from this firm. I currently reside in New Jersey and the firm operates and somehow obtained a Judgment against me in Pennsylvania. I contacted the firm immediately to discuss the file. I was given no details as to my account and was told that I must give them my full social security number in order for them to look up my account. Having no choice, I agreed to their demands. They located my account and gave me an office file number. I was then transferred to a department and was promised that if it went to voice mail that I would be called back immediately. I called the office twice each day for 4 days. Each time I was told that no one was available to take my call and each time I was transferred to a voice mail. In the interim I did some research as to what had happened with my account. A judgment had been filed on XXXX and was subsequently entered against me on XXXX. There is no information regarding service of the Summons and Complaint ( I have attached the court paperwork. At the District Court level is always available on the website ) When I inquired with the court as to the service, they would not give me the specifics as to the service, but that it had allegedly occurred on XX/XX/XXXX, which would be on a Sunday, and 2 days after the Judgment had been entered. I again reiterate that I live in NJ and did not receive any of this paperwork that was allegedly sent almost a year ago. I also finally was able to find out on my own that this was for a Discover Bank file. The office has not given me any information as to the account, including balance owed, date of charge off or any other information. I have not received a letter of acknowledgment as of yet that is supposed to be sent ( In accordance with the FDCPA ). On XX/XX/XXXX, I was finally able to speak with attorney XXXX XXXX with the firm. He did not provide me with any account information as to what their office was collecting for or any information as to the status of my case. I was not given the XXXX in any of my communications with the firm, including when attorney XXXX XXXX spoke candidly about my account information. Other than in my original communication with the office did they confirm any right party contact information. I was never asked my name in any calls, despite them speaking candidly about my account and actions taken. When speaking with XXXX XXXX at XXXX XXXX on XXXX, I informed him of the situation regarding me never receiving documentation, and living out of state. I also explained that that I believed the Judgment was invalid as service was not made prior to Judgment being entered. If I was in fact served, I would have not had a chance to respond accordingly. XXXX understood the situation and stated that he or someone in his office would contact the court and call me back promptly. I advised that I needed to have this resolved today as I have had no of my funds available now for 4 days. He vowed to look into it and have someone reach back out immediately. I did not receive any calls from them after that. I called their office back at XXXX XXXX on XXXX. I again spoke with XXXX and asked for an update. He advised me that he never reached out to the court. He also stated he did not know how much was on hold, but they were proceeding and that I could file whatever paperwork I deemed necessary. I again reminded him that they had never contacted me and advised him that I believe that they are trying to collect on an invalid Judgment and possibly the wrong person. He did not seem to pay any mind to that and said they intend to proceed. I asked if there was any other way we could resolve this and he declined. As a final note, I was never made aware if this firm had been recording my calls. If they were I would not have spoken with them and specifically not given my social security number over the phone with them. In Pennsylvania the opposing party must advise and confirm that the other party is ok with the call being recorded.

Company: DISCOVER BANK

State/Zip: NJ

Company Response to Complaint: Closed with explanation

Was Company Response Timely: Yes

Did Consumer Dispute Company Response: N/A

Complaint ID: 3167061

CAPITAL ONE FINANCIAL CORPORATION

Date Received: 2019-03-05T00:00:00.000

Product: Credit card debt

Issue: Took or threatened to take negative or legal action

Consumer Consent Provided to Share Complaint: Consent provided

Consumer Complaint: On or around XX/XX/XXXX I received a call from XXXX at XXXX XXXX XXXX XXXX claiming to be trying to collect a debt from a credit card from XXXX. I was threatened with a law suit, liens on my home and bank account. I got angry and he hung up on me. I felt bad so the next day I called this company back and spoke with a gentleman named XXXX XXXX I explained to him that I did not have the money to settle this debt, in the amount of XXXX, so I was offered a settlement amount of XXXX which I thought was something I could do given some time. XXXX asked me if I could pay XXXX and that would lock in the settlement amount, and that I would have until XX/XX/XXXX to pay the remaining balance of XXXX. I reluctantley gave him my checking account information, stating to him that I was not comfortable doing so, he promised me that no other monies would be taken out of my account without my ok. I was told that he would keep in touch to see where I was financially. I spoke with XXXX again on XX/XX/XXXX at which time I was thinking that I would have the money in the bank, but was not 100 % sure … so he said he would call me the day before it was due, which would’ve been XX/XX/XXXX. On XX/XX/XXXX XXXX had contacted me, at which time I told him that I did not have the money in my account, he informed that by not settling this case I would be sued, I would have a lien on my home, on my bank account … and I told him that unfortunately I would have to take that chance I had not realized that they money had already been deducted from my account … he acted as though he had no idea. On XX/XX/XXXX a deposit had been made into my account, which I was using for my mortgage payment. Low and behold that on XX/XX/XXXX I went to the ATM to make a small withdrawal, it was rejected stating there were insufficient funds, I then looked at my account on my phone and saw that on XX/XX/XXXX a payment of XXXX was withdrawn and sent to XXXX XXXX XXXX XXXX. I was livid, this left my account with XXXX in it, which in turn my house payment bounced. I called XXXX at XXXX XXXX XXXX XXXX and he told me that is what my agreement was, that I was told that the payment was due on the XXXX, and that I postdated the checking information for that day. I told him that I did no such thing, I told XXXX on the XXXX that I would not have the money for XX/XX/XXXX. Therefore they took the money out of my account without permission, they stole my money … .I have tried to email them, but it comes back stating access denied … ..I am at wits end. I have contacted the XXXX XXXX ‘s office in XXXX County. I have also filed a complaint with the XXXX … ..I will pursue charges if forced too.

Company: CAPITAL ONE FINANCIAL CORPORATION

State/Zip: ME

Company Response to Complaint: Closed with explanation

Was Company Response Timely: Yes

Did Consumer Dispute Company Response: N/A

Complaint ID: 3170259

Waypoint Resource Group, LLC

Date Received: 2019-03-06T00:00:00.000

Product: Other debt

Issue: Attempts to collect debt not owed

Consumer Consent Provided to Share Complaint: Consent provided

Consumer Complaint: FRAUD ACCOUNT OPENED UNDER MY NAME FROM WAYPOINT RESOURCE GROU XXXX XXXX XXXX XX/XX/2018 {$160.00} {$160.00} XXXX XXXX XXXX XXXX XXXX, TX XXXX ( XXXX ) XXXX

Company: Waypoint Resource Group, LLC

State/Zip: PA 191XX

Company Response to Complaint: Closed with explanation

Was Company Response Timely: Yes

Did Consumer Dispute Company Response: N/A

Complaint ID: 3170855

ENCORE CAPITAL GROUP INC.

Date Received: 2019-03-06T00:00:00.000

Product: Credit card debt

Issue: Communication tactics

Consumer Consent Provided to Share Complaint: Consent provided

Consumer Complaint: The debt collector named XXXX XXXX sold my credit card debt {$800.00} to XXXX XXXX law office. My debt has increased to {$1500.00}. I tried to call and settle my debt. I was advised I could pay a lump sum {$1200.00}. When I called back I offered to pay {$1200.00} lump sum and was advised that settlement would no longer be accepted because they were going to garnish my wages. Both companies were very nasty and rude. I was not allowed to settle my debt. This debt continues to decrease my credit score. This is horrible customer service.

Company: ENCORE CAPITAL GROUP INC.

State/Zip: NJ 080XX

Company Response to Complaint: Closed with explanation

Was Company Response Timely: Yes

Did Consumer Dispute Company Response: N/A

Complaint ID: 3170831

ENCORE CAPITAL GROUP INC.

Date Received: 2019-03-06T00:00:00.000

Product: Credit card debt

Issue: Attempts to collect debt not owed

Consumer Consent Provided to Share Complaint: Consent provided

Consumer Complaint: FRAUD ACCOUNT OPENED UNDER MY NAME FROM MIDLAND FUNDING XXXX XXXX XXXX XX/XX/2018 {$1800.00} {$1800.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX ( XXXX ) XXXX

Company: ENCORE CAPITAL GROUP INC.

State/Zip: PA 191XX

Company Response to Complaint: Closed with explanation

Was Company Response Timely: Yes

Did Consumer Dispute Company Response: N/A

Complaint ID: 3170845

Atlantic Credit & Finance, Inc.

Date Received: 2019-03-07T00:00:00.000

Product: Credit card debt

Issue: Attempts to collect debt not owed

Consumer Consent Provided to Share Complaint: Consent provided

Consumer Complaint: On XX/XX/XXXX, there was a judgement filed against me by Atlantic Credit and Finance supposedly on behalf of XXXX XXXX XXXX. Prior to being subpoenaed to court, I had never received any correspondence in the mail pertaining to this company. There was a default judgement that was entered due to the fact I did not appear in court because I was healing from a major XXXX XXXX and was not able to get around on my own nor drive. In XXXX or XXXX of XXXX I was subpoenaed back to court on the same matter. The attorney from XXXX, XXXX, XXXX & XXXX representing Atlantic Credit and Finance requested to speak some of the plaintiffs, including myself after court on individual matters when our names were called during court. When it came time for me to speak to the attorney, I informed him I needed to see documentation, which included account number and how they came to the amount that I supposedly owed because my information did not match what they had. The attorney told me that they probably could not provide me with that information and just to send them what I had ”.

Fast forward to XXXX I was subpoenaed back to court on the same judgment that I refused to pay and provide any financial information because the Attorneys office nor their client Atlantic Credit and Finance could not provide me with any documentation, however the judged threatened me and I was bullied into paying them. When I called Atlantic Credit and Finance they finally provided me with account # XXXX********** I informed them I had never seen this account number before and they me told it was the credit card number from my account Red Flag!!! I never had a credit card with XXXX XXXX XXXX. The representative of Atlantic Credit and Finance abruptly ended the call and advised me to contact the attorney representing them.

XXXX of XXXX, I received a paid in full letter from XXXX XXXX XXXX on an account, which I had been paying through the court to XXXX XXXX XXXX through another attorneys office. Not only did I receive a paid in full letter, I received two checks for over-payment. When I contacted the law office of XXXX, XXXX, XXXX & XXXX I spoke with XXXX who requested that I send the information to them. She suggested that if the account numbers did not match I would still have to pay. I informed her the account numbers were not going to match because their information was not accurate. I sent the letter in XXXX of XXXX and I did not hear from the Attorneys office again until I receive a voicemail from XXXX on XX/XX/XXXX. XXXX called and claimed they never received anything so I re-faxed the letter on XX/XX/XXXX and made sure to call them back to make sure they received it. Upon speaking with XXXX again, she told me what I already knew, that the account numbers did not match. She then went on to state that the account number was the credit card number from XXXX MAJOR RED FLAG!!!! I HAVE NEVER HAD A CREDIT CARD WITH XXXX and I HAVE NEVER DONE ANY TYPE OF BUSINESS WITH XXXX. She then stated that XXXX was bought by XXXX XXXX, yet again Ive never done business with XXXX and never had a credit card with them.

On XX/XX/XXXX, I contacted XXXX XXXX XXXX litigation department and spoke with XXXX. I informed her of the entire situation I had been having with Atlantic Credit and Finance and their attorney. First, she stated she had never heard of Atlantic Credit and Finance. Secondly, XXXX stated their attorneys that work on behalf of XXXX XXXX XXXX are always able to provide loan origination documentation when requested. I gave her the account number which was provided by Atlantic Credit and Finance and their attorney, she then stated that they had a similar account number but it was NOT the same. She also stated the only accounts I had with them were loan accounts. I told her I had previously made payments through the court totaling around $ XXXX {$700.00} to the attorney, XXXX , XXXX , XXXX & XXXX . XXXX stated that they had not receive any payments from this company. She also stated, which I already knew, the only accounts I had with XXXX XXXX XXXX were loan accounts. After a 30-minute phone call and further investigation, XXXX stated they, XXXX XXXX XXXX, had not sold any account I had with XXXX XXXX XXXX to Atlantic Credit and Finance and they did not have this company on any paperwork. She advised me to call the attorneys office and have them to conference call their contact at XXXX XXXX XXXX and if that doesnt work I may need to contact an attorney to represent me on the matter because it sounds like possible fraud going on with this company Atlantic Credit and Finance.

Company: Atlantic Credit & Finance, Inc.

State/Zip: TN 381XX

Company Response to Complaint: Closed with non-monetary relief

Was Company Response Timely: Yes

Did Consumer Dispute Company Response: N/A

Complaint ID: 3172621

SYNCHRONY FINANCIAL

Date Received: 2019-03-07T00:00:00.000

Product: Credit card debt

Issue: Attempts to collect debt not owed

Consumer Consent Provided to Share Complaint: Consent provided

Consumer Complaint: I had two credit card accounts ( Walmart {$160.00} and Care credit XXXX ) that were in collections. Walmart was paid off on XX/XX/XXXX and Care Credit was paid off on XX/XX/XXXX. I paid off both accounts and have the letters to prove it. It still shows up derogatory or negative on my credit report. With these accounts still showing negative is preventing me from getting other credit or loans. I just want the accounts to show that they are paid and take the negative status off.

Company: SYNCHRONY FINANCIAL

State/Zip: AZ 850XX

Company Response to Complaint: Closed with explanation

Was Company Response Timely: Yes

Did Consumer Dispute Company Response: N/A

Complaint ID: 3172710

CITIBANK, N.A.

Date Received: 2019-03-07T00:00:00.000

Product: Credit card debt

Issue: Written notification about debt

Consumer Consent Provided to Share Complaint: Consent provided

Consumer Complaint: XXXX XXXX refused to send a bank statement in XXXX, we sent a {$30.00} payment. When I called to make a payment on XX/XX/XXXX they refused to accept payment on my sons account, and they said that they had to talk to him. They have talked to XXXX on numerous occasions. They would not accept. Therefore, XXXX faxed information authorizing me to get information on his account, he also gave me money to pay on his account, because he doesnt get the print statement out of the mail, I get them. They have not been able to tell us why they tampered with the account.

Company: CITIBANK, N.A.

State/Zip: LA

Company Response to Complaint: Closed with explanation

Was Company Response Timely: Yes

Did Consumer Dispute Company Response: N/A

Complaint ID: 3172243