ERC

Date Received: 2019-03-08T00:00:00.000

Product: Other debt

Issue: False statements or representation

Consumer Consent Provided to Share Complaint: Consent provided

Consumer Complaint: I’ve tried numerous times to settle a debt with ERC ( XXXX XXXX XXXX XXXX, FL XXXX ). They don’t seem to want to accept a settlement agreement. They’re more interested in getting my credit card information. We agreed on a settlement fee of {$100.00}, but they tried charging a {$12.00} convenience fee which increases the settlement amount. I’m trying my best to make this go away, but every time I call they transfer me to 4 or 5 different people and say that only certain people can help me and then they try to include service charges and fees. Do they want to settle or not? I think not. This is not fair.

Company: ERC

State/Zip: FL 331XX

Company Response to Complaint: Closed with explanation

Was Company Response Timely: Yes

Did Consumer Dispute Company Response: N/A

Complaint ID: 3173434

Pinnacle Credit Services, LLC

Date Received: 2019-03-08T00:00:00.000

Product: Other debt

Issue: Attempts to collect debt not owed

Consumer Consent Provided to Share Complaint: Consent provided

Consumer Complaint: First, this matter has been forwarded to the Washington State Attorney General, XXXX XXXX. XXXX # XXXX. The original creditor, XXXX XXXX, replied, stating they had NO RECORD OF ME IN THEIR SYSTEM.

This is regarding a debt that I DO NOT OWE, from XXXX XXXX. The original account is from 2006, so it is PAST SoL. The original account was closed, as per XXXX Agent, via phone, AND fully paid off. I took advantage of the SCRA, and closed original account, WITHOUT EARLY TERMINATION FEES, due to my having to XXXX for 90+ days. XXXX Agent verified this with me, via phone. No calls, no letters, nada. Until a collections letter from Pinnacle Credit, LLC.

XXXX sold the original account, to Pinnacle Credit Services , LLC, who, in turn, HAS NOT, TO THIS DATE, provided me with a verification of debt.

Pinnacle Credit Services , LLC, keeps selling this debt I DO NOT OWE, to servicers, even though it is PAST SoL and violates the SCRA.

The latest servicer is XXXX XXXX XXXX, who responded to my previous CFPB complaint, that they would not contact me.

But they did. They sent a verification of debt that DOES NOT verify the debt at all. It’s just dates with amounts. No explanation of what the amounts due are for. Nothing.

As far as I am concerned, as per the Attorney General response from XXXX XXXX, the blatant violation of the SCRA, the debt supposedly owed being past the SoL, and the lack of a full accounting, including a breakdown and explanation of charges due, such as early termination fee, past due amount, etc., I consider this matter closed. I have no intention of paying this. Ever.

If Pinnacle Credit Services , LLC. wishes to continue to pursue this matter, either via their company, or a ” servicing ” company, I will have no choice but to obtain legal services.

Company: Pinnacle Credit Services, LLC

State/Zip: WA 983XX

Company Response to Complaint: Closed with non-monetary relief

Was Company Response Timely: Yes

Did Consumer Dispute Company Response: N/A

Complaint ID: 3173323

FIRST GUARANTY MORTGAGE CORP

Date Received: 2019-03-08T00:00:00.000

Product: Mortgage debt

Issue: Took or threatened to take negative or legal action

Consumer Consent Provided to Share Complaint: Consent provided

Consumer Complaint: TIME SENSITIVE : XXXX XXXX XXXX, XXXX, directly or indirectly initiated a legal proceeding action and obtained a court order to SELL MY PROPERTY in XX/XX/XXXX. Attached is the Sheriffs Notice of Seizure and Sale.
XXXX has no legal standing in court. There is no ( never was a ) contract between FIRST GUARANTY MORTGAGE CORPORATION and XXXX XXXX XXXX.
XXXX is claiming that XXXX XXXX XXXX owes them about $ 100K for a loan they allegedly loaned in XX/XX/XXXX. This is false. XXXX did not loaned any money/credit to XXXX XXXX XXXX ( the true creditor as per 15 USC 1692 ( A ) ( 4 ) ). Attached is a copy of the accepted and filed CORRECTED form 1099-A in which the IRS accounting department have properly accounted for the transfer of {$100000.00} funds from a government-created XXXX XXXX XXXX Account XXXX XXXX XXXX to their account without my authorization and knowledge.

Company: FIRST GUARANTY MORTGAGE CORP

State/Zip: LA

Company Response to Complaint: Closed with explanation

Was Company Response Timely: Yes

Did Consumer Dispute Company Response: N/A

Complaint ID: 3174220

CL HOLDINGS LLC

Date Received: 2019-03-08T00:00:00.000

Product: Other debt

Issue: Attempts to collect debt not owed

Consumer Consent Provided to Share Complaint: Consent provided

Consumer Complaint: I filed a challenge to a fraudulent collections on my credit report with the three credit bureaus and only one took it off-XXXX XXXX. XXXX and XXXX have not and will not explain why and has refused to send me their decision and why via mail. XXXX XXXX XXXX ( XXXX ), who has had a plethora of complaints for falsely accusing people of having a collections with them and destroying their credit, claims I had a contract with XXXX XXXX and owe them over {$2600.00}. This is not true. I had a prepaid account with them years after this supposed account was opened. Even if this was true it would have been a breach of contract because I know XXXX ‘s policies and nowhere does it say they can sell you information to a third party and that is exactly what XXXX is claiming happened. On top of this XXXX allowed XXXX to change information on my credit report without my knowledge or consent.

I have already complained about both of these things with this company and it was closed without my consent claiming I said I no longer had a dispute. I requested to have it reopened and I was told it was, but have not received any response nor can I find it. This is my second attempt at resolving this issue.

Company: CL HOLDINGS LLC

State/Zip: TN

Company Response to Complaint: Closed with non-monetary relief

Was Company Response Timely: Yes

Did Consumer Dispute Company Response: N/A

Complaint ID: 3173863

BBVA COMPASS FINANCIAL CORPORATION

Date Received: 2019-03-08T00:00:00.000

Product: Credit card debt

Issue: Attempts to collect debt not owed

Consumer Consent Provided to Share Complaint: Consent provided

Consumer Complaint: This concerns my BBVA Compass credit card ending in XXXX.

If I do not have a deposit account with a bank, I typically pay all my credit card payment by telephone for security reasons. Due to my work schedule, I typically make these payments after business hours. Since BBVA Compass does not have an automated telephone payment system, the telephone system connects me to a payment processing employee to make the payment.

My periodic statement ( for credit card ending in XXXX ) covering XX/XX/XXXX through XX/XX/XXXX stated that I had purchases of {$580.00} and a balance of {$580.00} ; a payment was due on XX/XX/XXXX. On XX/XX/XXXX, I called BBVA Compass at XXXX and paid the full balance of {$580.00} using my checking account at XXXX XXXX. The BBVA Compass employee gave me the confirmation number XXXX.

My periodic statement covering XX/XX/XXXX through XX/XX/XXXX confirmed the payment of {$580.00} made on XX/XX/XXXX and stated that my new balance for purchases made between XX/XX/XXXX and XX/XX/XXXX was {$1100.00}. No purchases have been made with the card ending in XXXX after XX/XX/XXXX. The new balance of {$1100.00} was due on XX/XX/XXXX. No fees or interest had ever been charged on the account. I called BBVA Compass at XXXX on the evening of Sunday, XX/XX/XXXX, in order to pay the full balance on my credit card. I paid the entire account balance of {$1100.00} using my checking account at XXXX XXXX. The employee provided me a confirmation number of XXXX.

( Due to the inconvenience in BBVA Compass telephone payment system, I destroyed the credit card in XX/XX/XXXX after paying the balance in full. ) I keep a physical log of all transactions affecting my deposit accounts and keep all credit card receipts for a period of several years.

Around XX/XX/XXXX, an employee from BBVA Compass called me and told me that my payment was late. I explained the situation, but the employee said that no payment was processed. I gave the caller the confirmation number that I received, and she indicated that BBVA Compass had no record of that confirmation number. At first, I thought that the payment may have been applied to the wrong account. I looked at all of the transactions in my XXXX XXXX checking account and realized that the payment had never been taken from my account. I told the caller that I would not give my checking account information over the phone because I would not pay any late fee due to the error of the BBVA Compass employee on the night of XX/XX/XXXX. I said that I would write a check and put it into the mail immediately to cover the payment that had BBVA Compasss had failed to take from my account on XX/XX/XXXX. While on the phone, I adamantly requested that BBVA Compass remove the late charge off my account since it was due to their own employee error. I mailed check # XXXX for {$1100.00} on that same day. BBVA Compass processed the payment.

Since that time, BBVA Compass has called me repeatedly and sent me collection notices. I always provide the above information over the phone and request that BBVA Compass remove the late fee. Instead of removing the late fee, BBVA charged a late fee on the late fee. I have called BBVA Compass when receiving these collection notices and have been told that it would be addressed.

Eventually, the late fee was reduced to {$23.00}, then a late fee of {$30.00} was charged on the late fee. I called and again noted that these were all inappropriate late fees and gave all the above information.

On XX/XX/XXXX, BBVA Compass sent me a collection letter indicating that I owed {$33.00}.

On XX/XX/XXXX, I spoke with XXXX at BBVA Compass and again explained the above. XXXX said that all of the late fees would be waived and gave me a reference number of XXXX.

On XX/XX/XXXX, the late fee was reduced by {$10.00}, but the transaction was not posted until XX/XX/XXXX.

On XX/XX/XXXX, the late fee was reduced by {$20.00}, but the transaction was not posted until XX/XX/XXXX.

On XX/XX/XXXX, an additional late fee of {$30.00} was charged.

BBVA Compass then sent me a periodic statement for {$53.00} with a payment due on XX/XX/XXXX.

On XX/XX/XXXX, BBVA Compass sent me a collection letter for {$53.00}.

This morning ( XX/XX/XXXX ), a collection company with the telephone number XXXX called me to tell me that they were a debt collection agency representing BBVA Compass. Again, I gave all of the above information and said that I would send a complaint through the CFPB in order to have this harassment end. I asked him not to call me again, and he said that he would no longer call me.

Company: BBVA COMPASS FINANCIAL CORPORATION

State/Zip: TN 379XX

Company Response to Complaint: Closed with non-monetary relief

Was Company Response Timely: Yes

Did Consumer Dispute Company Response: N/A

Complaint ID: 3173928

Resurgent Capital Services L.P.

Date Received: 2019-03-08T00:00:00.000

Product: Other debt

Issue: Written notification about debt

Consumer Consent Provided to Share Complaint: Consent provided

Consumer Complaint: Received a letter from XXXX XXXX XXXX XXXX on XX/XX/XXXX. The letter was to settle a debt that was transferred from Cach or Resurgent LLC. Who I found out after speaking with XXXX XXXX that they transferred the debt back to Resurgent LLC. After I had requested a Debt Validation. My main concerns are they have not ever validated the debt that I request, and upon speaking with them they tell me I need to provide proof of the difference but that is their job as they are collecting on this account. I have never received a break down of how they come with the terms of what I owe. They also do not communicate or update me with anything in regards to this account. Not until I spoke with a collection representative named XXXX today XX/XX/XXXX at approximately XXXX that my account had a cease and desist which I did not put on the account. In addition to the debt validation and balance dispute ; When Cach first took over this account in XX/XX/XXXX they never sent me any correspondence informing me this was an attempt to collect a debt or that it was in collections. I had a personal loan with XXXX or XXXX XXXX and when it had fallen behind I was under the impression I was with an in house Collection or team who would help me get the account in current status and not until I missed a payment is when all of a suddent this collection is on my credit and they demand the full payment or an unaffordable monthly payment. The whole relationship with this collection agency has been falsely represented and unfair from the start and they need to be fined or looked into on their practices. Furthermore, if this is a business who wants to settle or collect on a debt they would have realistic payments and at this point I am being yo-yoed and played with over a debt that could be paid for and settled. I don’t know who to work with or make payments to when I do try to agree to some sort of terms.

Company: Resurgent Capital Services L.P.

State/Zip: DE 198XX

Company Response to Complaint: Closed with explanation

Was Company Response Timely: Yes

Did Consumer Dispute Company Response: N/A

Complaint ID: 3173596

Milby Law Offices P.A.

Date Received: 2019-03-08T00:00:00.000

Product: Other debt

Issue: Attempts to collect debt not owed

Consumer Consent Provided to Share Complaint: Consent provided

Consumer Complaint: On XX/XX/XXXX I received notification from my employer that they were served a garnishment on me from Milby Law office in XXXX for a XXXX Limited actions case out of XXXX XXXX. I attempted to contact the law office to advised them that this was included in a bankruptcy in XXXX. XX/XX/XXXX I finally was able to speak to XXXX XXXX in the law office who stated there was this garnishment and two others they were going to take out of my check. I advised her again i was unaware of this debt or the others. She said that it had been served to an old address. I advised her this case was included in a bankruptcy and that on the other 2 garnishments that I was not made aware of them but if we could set up an agreed payment arrangement I would like to do that. She advised me I legally could not due that and it’s been sent in for garnishment and there is nothing I can do now. I advised her I knew this was incorrect because I have a current garnishment I am paying on with another law firm and the garnishment is a set amount each paycheck. XXXX said ” Sweetie I work in a law firm, you don’t ” she told me I had no rights to dispute this debt or to do anything in regards to making a payment arrangement because they have already sent it to my employer to take it out of my paycheck. When I asserted that I did know my rights and that I have the right to she got mad and said ” I just can’t do this, ” and then proceeded to hang up on me.

Company: Milby Law Offices P.A.

State/Zip: KS 672XX

Company Response to Complaint: Closed with explanation

Was Company Response Timely: Yes

Did Consumer Dispute Company Response: N/A

Complaint ID: 3173806

Waypoint Resource Group, LLC

Date Received: 2019-03-08T00:00:00.000

Product: I do not know

Issue: Written notification about debt

Consumer Consent Provided to Share Complaint: Consent provided

Consumer Complaint: THE PRE-FILLED OPTIONS DID NOT APPLY TO MY COMPLAINT I SELECTED THEM TO GET TO THIS PORTION SO I CAN EXPLAIN WHAT IS GOING ON I CALLED WAYPOINT TO DISCUSS A OLD XXXX ACCOUNT THAT I SHOWED ON MY CREDIT I ADVISED I WOULD PAY IT IN FULL AND REQUESTED A LETTER STATING THEY WOULD REMOVE AND DELETE THE ACCOUNT FROM MY CREDIT THEY ADVISED THEY COULD NOT DO THIS WITHOUT XXXX CONSENT AND STATED THEY COULD ONLY PROVIDE A LETTER STATING THE BALANCE WAS PAID IN FULL I THEN CALLED XXXX DIRECTLY THEIR CUSTOMER SERVICE DEPARTMENT ADVISED THEY COULD NOT GIVE ME THE LETTER SINCE I WAS CALLING IN I COULD HOWEVER GO TO A XXXX STORE SPEAK TO A MANAGE PAY THE FULL BALANCE WITH THEM AND GET THE LETTER I WENT TO THE XXXX STORE ON XX/XX/2019 PAID THE FULL BALANCE AND RECEIVED A LETTER STATING XXXX AGREES TO REMOVE AND DELETE THE ACCOUNT FROM MY CREDIT I CALLED WAYPOINT THEY REQUESTED I EMAIL THE LETTER SO I DID THEY REFUSED TO DELETE THE ACCOUNT ALTHOUGH I HAVE THE LETTER FROM XXXX STATING IT WOULD BE REMOVED AND DELETED AS THEY REQUESTED THEY ARE REFUSING SAYING THEY WILL ONLY GIVE ME A LETTER ADVISING THE ACCOUNT WAS PAID IN FULL BUT BEFORE THEY SAID THEY COULD ONLY REMOVE AND DELETE THE ACCOUNT WITH XXXX PERMISSION WHICH I OBTAINED NOW THEY WONT ANSWER THE PHONE WHEN I CALL AND I NEED THE DELETION LETTER TO PROVIDE TO THE CREDIT BUREAUS I HAVE ATTACHED THE LETTER FOR REVIEW AND I CURRENTLY HAVE THE PHYSICAL LETTER AS WELL

Company: Waypoint Resource Group, LLC

State/Zip: TX 774XX

Company Response to Complaint: Closed with explanation

Was Company Response Timely: Yes

Did Consumer Dispute Company Response: N/A

Complaint ID: 3174218

Patient Accounting Service Center

Date Received: 2019-03-08T00:00:00.000

Product: Medical debt

Issue: Attempts to collect debt not owed

Consumer Consent Provided to Share Complaint: Consent provided

Consumer Complaint: Received collections letter from XXXX regarding medical debt i owed, asked company to produce verification of debt, debt verification not produced, continued to receive harassing letters, phone calls etc.

Company: Patient Accounting Service Center

State/Zip: KS 666XX

Company Response to Complaint: Closed with explanation

Was Company Response Timely: Yes

Did Consumer Dispute Company Response: N/A

Complaint ID: 3173666

Financial Accounts Service Team Inc.

Date Received: 2019-03-08T00:00:00.000

Product: Medical debt

Issue: False statements or representation

Consumer Consent Provided to Share Complaint: Consent provided

Consumer Complaint: My Husband and I have received letters from a Collection Agency in regards to a debt we allegedly owe so in return we requested validation for both of us. The original letter from them apparently indicated we both are debtors from the business they purchased the debt from. First : The validation we received did not indicate my husband was a debtor. Second : This Collection Agency is attempting to make us pay an amount above the original debt by adding fees and interest. This violates the Fair Debt Collection Practices Act both Federal and the State of Tennessee. Third : They refuse to answer all the validation questions I sent them that were within legal parameters to ask. I would like to mention this Collection Agency has had several complaints against them with the XXXX XXXX XXXX for the same violation.

Company: Financial Accounts Service Team Inc.

State/Zip: TN 37909

Company Response to Complaint: Closed with explanation

Was Company Response Timely: Yes

Did Consumer Dispute Company Response: N/A

Complaint ID: 3174270