|
3737325
|
2020-07-09
|
Attempts to collect debt not owed
|
Debt collection
|
|
| Issue |
Attempts to collect debt not owed
|
| Timely |
No
|
| Company |
Ray Klein, Inc.
|
| Product |
Debt collection
|
| Sub Issue |
Debt was paid
|
| Sub Product |
Medical debt
|
| Date Received |
2020-07-09
|
| Submitted Via |
Web
|
| Company Response |
Closed with explanation
|
| Consumer Disputed |
N/A
|
| Date Sent To Company |
2020-07-09
|
| Complaint What Happened |
I paid a bill for {$100.00} on XX/XX/2019 by credit card to XXXX XXXX XXXX for services rendered by XXXX XXXX XXXX. Account number XXXX. I owed no more on this service rendered.
Six months later i have begun to receive letters form a collection agency, Professional Credit Service, for the {$100.00}. I already paid that and called and let them know. Instead of listening to what I had to say, they only wanted to collect more personal information about me for their records, asking for my personal information such as DOB, telephone number, address, etc. I have paid this debt six months ago. They need to remove it from their records and mark it as paid.
|
| Consumer Consent Provided |
Consent provided
|
|
|
2040546
|
2016-08-01
|
Cont'd attempts collect debt not owed
|
Debt collection
|
|
| Issue |
Cont'd attempts collect debt not owed
|
| Timely |
Yes
|
| Company |
Ray Klein, Inc.
|
| Product |
Debt collection
|
| Sub Issue |
Debt resulted from identity theft
|
| Sub Product |
Medical
|
| Date Received |
2016-08-01
|
| Submitted Via |
Web
|
| Company Response |
Closed
|
| Consumer Disputed |
No
|
| Date Sent To Company |
2016-08-01
|
| Company Public Response |
Company has responded to the consumer and the CFPB and chooses not to provide a public response
|
| Complaint What Happened |
PROF CREDIT ACCOUNT NUMBERs : XXXX XXXX/XXXX/XXXX XXXX XXXX XXXX, XXXX, OR XXXX XXXX XXXXXXXXXXXX ATTENTION TO DISPUTE DEPARTMENT : XXXX Dear Sir or Madam : I am a victim of identity theft. An identity thief used my personal information without my permission to open an account several account in my name this debt is not mine. I have enclosed proof of my identity and a copy of my Identity Theft Report. In accordance with the Fair Debt Collection Practices Act, I am asking you to stop collection proceedings against me and stop communicating with me about this debt, except as the Fair Credit Reporting Act allows. I also ask that you XXXX or any company associate with this account # XXXX and tell them the debt is the result of identity theft. I have enclosed a copy of the Federal Trade Commission 's police report Notice to Furnishers of Information. It explains your responsibilities under the Fair Credit Reporting Act ( FCRA ). The FCRA requires that debt collectors give an identity theft victim documents related to an account if the victim asks. Please send me copies of all records relating to the account, including : date account open all sign original contract including : Account applications made on paper, online, or by telephone Account statements or invoices Records of payment or charge slips Delivery addresses associated with the account Records of phone numbers used to activate or access the account Signatures on applications and accounts Investigators report Please send me a letter explaining what you have done to : PROF CREDIT or any company associate with this account that the debt is the result of identity theft Stop collection proceedings against me Stop reporting information about the debt to credit reporting companies Provide me with the records I request Thank you for your cooperation.
Sincerely, XXXX, XXXX XXXX SOC SEC # XXXX DOB XXXX/XXXX/XXXX ADDRESS XXXX XXXX XXXX, XXXX, FL XXXX
|
| Consumer Consent Provided |
Consent provided
|
|
|
1558017
|
2015-09-09
|
Cont'd attempts collect debt not owed
|
Debt collection
|
|
| Issue |
Cont'd attempts collect debt not owed
|
| Timely |
Yes
|
| Company |
Ray Klein, Inc.
|
| Product |
Debt collection
|
| Sub Issue |
Debt was paid
|
| Sub Product |
Medical
|
| Date Received |
2015-09-09
|
| Submitted Via |
Web
|
| Company Response |
Closed with explanation
|
| Consumer Disputed |
Yes
|
| Date Sent To Company |
2015-09-09
|
| Company Public Response |
Company chooses not to provide a public response
|
| Complaint What Happened |
I just recently found out that I have a judgement against myself ( From a credit report ) I went to the Court House and asked them. They told me, " Yes you do. '' and provided me with the paperwork stating how much the judgement was for ... And now .... The collection agency is demanding over a {$1000.00} in interest. I was never notified of any actions that were taken against me by the collection agency. Then when I called them today and asked them to provide me with the judgement paperwork, where it shows that they were awarded that interest, they refused to do so.Please help me to resolve this issue.
|
| Consumer Consent Provided |
Consent provided
|
|
|
869712
|
2014-05-28
|
Cont'd attempts collect debt not owed
|
Debt collection
|
|
| Tags |
Older American
|
| Issue |
Cont'd attempts collect debt not owed
|
| Timely |
Yes
|
| Company |
Ray Klein, Inc.
|
| Product |
Debt collection
|
| Sub Issue |
Debt is not mine
|
| Sub Product |
Other (i.e. phone, health club, etc.)
|
| Date Received |
2014-05-28
|
| Submitted Via |
Web
|
| Company Response |
Closed with non-monetary relief
|
| Consumer Disputed |
No
|
| Date Sent To Company |
2014-05-29
|
| Consumer Consent Provided |
N/A
|
|
|
3071097
|
2018-11-10
|
Attempts to collect debt not owed
|
Debt collection
|
|
| Issue |
Attempts to collect debt not owed
|
| Timely |
Yes
|
| Company |
Ray Klein, Inc.
|
| Product |
Debt collection
|
| Sub Issue |
Debt is not yours
|
| Sub Product |
I do not know
|
| Date Received |
2018-11-10
|
| Submitted Via |
Web
|
| Company Response |
Closed with explanation
|
| Consumer Disputed |
N/A
|
| Date Sent To Company |
2018-11-21
|
| Company Public Response |
Company believes complaint caused principally by actions of third party outside the control or direction of the company
|
| Consumer Consent Provided |
Consent not provided
|
|
|
3010470
|
2018-09-05
|
Attempts to collect debt not owed
|
Debt collection
|
|
| Issue |
Attempts to collect debt not owed
|
| Timely |
Yes
|
| Company |
Ray Klein, Inc.
|
| Product |
Debt collection
|
| Sub Issue |
Debt was result of identity theft
|
| Sub Product |
Medical debt
|
| Date Received |
2018-09-05
|
| Submitted Via |
Web
|
| Company Response |
Closed with explanation
|
| Consumer Disputed |
N/A
|
| Date Sent To Company |
2018-10-18
|
| Company Public Response |
Company can't verify or dispute the facts in the complaint
|
| Complaint What Happened |
I have been a victim of identity theft and I have accounts in collections that are bringing down my credit and not allowing me to qualify for credit cards or home/auto loans.
|
| Consumer Consent Provided |
Consent provided
|
|
|
2133680
|
2016-09-28
|
Cont'd attempts collect debt not owed
|
Debt collection
|
|
| Issue |
Cont'd attempts collect debt not owed
|
| Timely |
Yes
|
| Company |
Ray Klein, Inc.
|
| Product |
Debt collection
|
| Sub Issue |
Debt resulted from identity theft
|
| Sub Product |
Other (i.e. phone, health club, etc.)
|
| Date Received |
2016-09-28
|
| Submitted Via |
Web
|
| Company Response |
Closed with explanation
|
| Consumer Disputed |
No
|
| Date Sent To Company |
2016-09-28
|
| Company Public Response |
Company believes complaint caused principally by actions of third party outside the control or direction of the company
|
| Complaint What Happened |
PROFESSIONAL CREDIT ACCOUNT NUMBERs : XXXX XXXX/XXXX/XXXX XXXX, OR XXXX Phone : XXXX ATTENTION TO DISPUTE DEPARTMENT : Dear Sir or Madam : I am a victim of identity theft. An identity thief used my personal information without my permission to open an account several account in my name this debt is not mine. I have enclosed proof of my identity and a copy of my Identity Theft Report. In accordance with the Fair Debt Collection Practices Act, I am asking you to stop collection proceedings against me and stop communicating with me about this debt, except as the Fair Credit Reporting Act allows. I also ask that you PROFESSIONAL CREDIT or any company associate with this account # XXXX and tell them the debt is the result of identity theft. I have enclosed a copy of the Federal Trade Commission 's police report Notice to Furnishers of Information. It explains your responsibilities under the Fair Credit Reporting Act ( FCRA ). The FCRA requires that debt collectors give an identity theft victim documents related to an account if the victim asks. Please send me copies of all records relating to the account, including : date account open all sign original contract including : Account applications made on paper, online, or by telephone Account statements or invoices Records of payment or charge slips Delivery addresses associated with the account Records of phone numbers used to activate or access the account Signatures on applications and accounts Investigators report Please send me a letter explaining what you have done to : PROFESSIONAL CREDIT or any company associate with this account that the debt is the result of identity theft Stop collection proceedings against me Stop reporting information about the debt to credit reporting companies Provide me with the records I request Thank you for your cooperation.
Sincerely, XXXX, XXXX XXXX SOC SEC # XXXX DOB XXXX/XXXX/XXXX ADDRESS XXXX XXXX XXXX XXXX, XXXX XXXX, FL XXXX
|
| Consumer Consent Provided |
Consent provided
|
|
|
7259066
|
2023-07-16
|
Problem with a credit reporting company's investigation into an existing problem
|
Credit reporting, credit repair services, or other personal consumer reports
|
|
| Issue |
Problem with a credit reporting company's investigation into an existing problem
|
| Timely |
Yes
|
| Company |
Ray Klein, Inc.
|
| Product |
Credit reporting, credit repair services, or other personal consumer reports
|
| Sub Issue |
Their investigation did not fix an error on your report
|
| Sub Product |
Credit reporting
|
| Date Received |
2023-07-16
|
| Submitted Via |
Web
|
| Company Response |
Closed with explanation
|
| Consumer Disputed |
N/A
|
| Date Sent To Company |
2023-07-16
|
| Company Public Response |
Company believes complaint caused principally by actions of third party outside the control or direction of the company
|
| Complaint What Happened |
Professional credit services was suppose to delete their account on my credit file with XXXX and XXXX from my recent complaint back in XX/XX/2023 but they only deleted it from XXXX and not yet from XXXX since XX/XX/2023 and it is still reporting on XXXX please delete the account that you promised to from complaint id with the cfpb : XXXX XXXX
|
| Consumer Consent Provided |
Consent provided
|
|
|
2363750
|
2017-02-27
|
False statements or representation
|
Debt collection
|
|
| Issue |
False statements or representation
|
| Timely |
Yes
|
| Company |
Ray Klein, Inc.
|
| Product |
Debt collection
|
| Sub Issue |
Attempted to collect wrong amount
|
| Sub Product |
Other (i.e. phone, health club, etc.)
|
| Date Received |
2017-02-27
|
| Submitted Via |
Web
|
| Company Response |
Closed with non-monetary relief
|
| Consumer Disputed |
No
|
| Date Sent To Company |
2017-03-29
|
| Company Public Response |
Company believes the complaint is the result of a misunderstanding
|
| Complaint What Happened |
this collection sat dormant for a few years so i decided to make a reasonable offer to settle case..my offer was rejected and they countered offered me a ridiculous term which i declined. Then i noticed they started changing the amount they say i owed every month to effect my score falsely. I believe this is illegal and is retaliatory..!!
|
| Consumer Consent Provided |
Consent provided
|
|
|
8473057
|
2024-03-06
|
Communication tactics
|
Debt collection
|
|
| Tags |
Servicemember
|
| Issue |
Communication tactics
|
| Timely |
Yes
|
| Company |
Ray Klein, Inc.
|
| Product |
Debt collection
|
| Sub Issue |
You told them to stop contacting you, but they keep trying
|
| Sub Product |
I do not know
|
| Date Received |
2024-03-06
|
| Submitted Via |
Web
|
| Company Response |
Closed with explanation
|
| Consumer Disputed |
N/A
|
| Date Sent To Company |
2024-03-06
|
| Company Public Response |
Company believes the complaint is the result of a misunderstanding
|
| Consumer Consent Provided |
Consent not provided
|
|
|
7577861
|
2023-09-21
|
Attempts to collect debt not owed
|
Debt collection
|
|
| Issue |
Attempts to collect debt not owed
|
| Timely |
Yes
|
| Company |
Ray Klein, Inc.
|
| Product |
Debt collection
|
| Sub Issue |
Debt is not yours
|
| Sub Product |
I do not know
|
| Date Received |
2023-09-21
|
| Submitted Via |
Web
|
| Company Response |
Closed with explanation
|
| Consumer Disputed |
N/A
|
| Date Sent To Company |
2023-09-21
|
| Complaint What Happened |
NOTICE OF PENDING LITIGATION SEEKING RELIEF AND MONETARY DAMAGES UNDER FCRA SECTION 616 & SECTION 617/// THIS COMPANY IS REPORTING AN ACCOUNT ON MY CREDIT THAT IS NOT MINE/INACCURATE.FRAUD. I DID NOT GIVE NY PERMISSION TO REPORT THIS ACCOUNT AND I WAS NOT NOTIFIED THAT THIS ACCOUNT WAS OR WILL BE REPORTED TO MY CREDIT REPORT.
What would be a fair resolution to this issue?
DELETE AND REMOVE. DO NOT REPORT, RE-REPORT, TRANSFER OR SELL. SEND PROOF OF A ORIGINAL CONTRACT BETWEEN ME AND SAID CREDITOR/COLLECTIONS SO THAT I MY INSPECT MY " WET INK ; SIGNATURE. IF NO CONTRACT. NO NEED TO INVESTIGATE, RE-INVESTIGATE PLEASE DELETE, REMOVE AND UPDATE TO ALL 3 CREDIT BEAUS WITH PROOF OF SERVICE. PLEASE SEND SEND OR DELETE : ( 1 ) The name and address of the organization alleging the debt ; ( 2 ) The name of the actual creditor even if that is myself; ( 3 ) The origin of the funds used to create this alleged claim of a debt and my agreement to pay that debt with a statement of full disclosure. ( 4 ) ALL associated tax forms as required by law, including all 1099s, W9s, etc. from the inception of this alleged debt. ( 5 ) Proof of claim in corresponding Case Number XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ( 6 ) The actual records of the organization or other government unit showing the time and place of the deposit and distribution of the funds used to create this alleged claim of debt. ( 7 ) The actual records of the organization or other governmental unit with a live signature on any and all document/instrument ( s ) used to allege the existence of a real loan of funds or debt from the organization or other governmental unit to myself or anyone else by a similar name. ( 8 ) Be advised that verification is defined ( XXXX XXXX XXXX, XXXX XXXX ) as follows : Confirmation of correctness, truth, or authenticity, by affidavit, oath or deposition. Affidavit of truth of matter stated and object of verification is to assure good faith in advertisement or statements of part ( 9 ) The actual records of the organization or other governmental unit showing that an honest disclosure of facts relating to the alleged loan was made by the organization or other governmental unit in compliance with the truth in lending laws of the United States Code. ( 10 ) The actual records of the organization or other governmental unit showing that any and all document/instrument ( s ) containing my signature or the likeness of my signature were not negotiated or pledged by the organization or other governmental unit against my credit to create the funds used for the appearance of a debt and resulting in this alleged claim of debt. ( 11 ) The person that prepares and swears to the validation of debt must describe : 1 ) your job description on a daily basis ; 2 ) if you are the regular keeper of those books and records and are familiar with how they are kept and their contents ; 3 ) how long have you been in your position ; 4 ) when did you first come in contact with the alleged account/debt ; 5 ) how frequently do you work with the files and information they are presenting to verify/validate the alleged debt ; 6 ) are you the person/employee who regularly works with the alleged account/debt ; and 7 ) do you have personal knowledge about the alleged debt and/or any alleged account.
|
| Consumer Consent Provided |
Consent provided
|
|
|
6952804
|
2023-05-10
|
Problem with a credit reporting company's investigation into an existing problem
|
Credit reporting, credit repair services, or other personal consumer reports
|
|
| Issue |
Problem with a credit reporting company's investigation into an existing problem
|
| Timely |
Yes
|
| Company |
Ray Klein, Inc.
|
| Product |
Credit reporting, credit repair services, or other personal consumer reports
|
| Sub Issue |
Their investigation did not fix an error on your report
|
| Sub Product |
Credit reporting
|
| Date Received |
2023-05-10
|
| Submitted Via |
Web
|
| Company Response |
Closed with explanation
|
| Consumer Disputed |
N/A
|
| Date Sent To Company |
2023-05-10
|
| Company Public Response |
Company disputes the facts presented in the complaint
|
| Complaint What Happened |
I am not liable for this debt with XXXX XXXX XXXX XXXX and do not have a contract with Professional Credit Services. They did not provide me with the original application like i asked.
|
| Consumer Consent Provided |
Consent provided
|
|
|
7667698
|
2023-10-09
|
Attempts to collect debt not owed
|
Debt collection
|
|
| Issue |
Attempts to collect debt not owed
|
| Timely |
Yes
|
| Company |
Ray Klein, Inc.
|
| Product |
Debt collection
|
| Sub Issue |
Debt was result of identity theft
|
| Sub Product |
Other debt
|
| Date Received |
2023-10-09
|
| Submitted Via |
Web
|
| Company Response |
Closed with explanation
|
| Consumer Disputed |
N/A
|
| Date Sent To Company |
2023-10-09
|
| Company Public Response |
Company disputes the facts presented in the complaint
|
| Complaint What Happened |
XXXX XXXX XXXX and Professional Credit Service is saying I owe {$1200.00} on XX/XX/2023 XXXX
|
| Consumer Consent Provided |
Consent provided
|
|
|
2486311
|
2017-05-16
|
Written notification about debt
|
Debt collection
|
|
| Tags |
Older American, Servicemember
|
| Issue |
Written notification about debt
|
| Timely |
Yes
|
| Company |
Ray Klein, Inc.
|
| Product |
Debt collection
|
| Sub Issue |
Didn't receive notice of right to dispute
|
| Sub Product |
Other debt
|
| Date Received |
2017-05-16
|
| Submitted Via |
Web
|
| Company Response |
Closed with explanation
|
| Consumer Disputed |
N/A
|
| Date Sent To Company |
2017-05-25
|
| Company Public Response |
Company disputes the facts presented in the complaint
|
| Complaint What Happened |
I purchased a service from a company called XXXX XXXX back in XXXX XXXX XXXX , the service involved XXXX virtual phone numbers to be used for my computer programmers to develop an online defense system against fraud. After almost two months of trying to make there equipment and services to work everyone just gave up and XXXX XXXX supposedly cancelled the service, as can be verified through email correspondence attached. They claim in there emails that I was notified on six occ asions by email and phone, this is a lie, after asking them to send me the emails they said they were not in the system. When they decided to send the account to collection the exact same thing occurred, this company NEVER once contacted me for money, not by email and not by phone. Keep in mind that XXXX XXXX had all of my personal information including my address, my cell number which I have had for over 20 years and my emails. I found out about this " Collection '' from j oining a credit bureau and saw it totally wiped XXXX points from my credit score whi ch in turn caused a bank loan to be denied recently. I disputed this collection and after some time I heard back from all XXXX credit bureaus, XXXX agreed with me and wiped off the collection, but both XXXX and XXXX did not and I still have this collection against me which bewilders me to no end. During this situation I found that the system for the consumer is totally inept, for example to appeal the decision you are allowed only 100 wor ds!!! In my case it is a very complex situation and to fully understand the situation I can assure you it will require probably a 1000 or 10000 words. As far as who I am and how I pay is important, I am XXXX years of age, served honorably in the XXXX XXXX and character is why you pay bills, on or about XXXX I got very sick and my income dropped to XXXX , BUT I paid off everyone I owed, as agreed, during that time, as can be verified in the bureaus. Since I did not start using credit i.e. did not have the ability or earnings to pay debts my credit was wiped out, I do remember back in XXXX or so my credit score was XXXX . Just wanted everyone to know ... One other matter I noticed, perhaps does not mean anything, but XXXX XXXX and Professional Credit Services are in the same state and across the street from each other, I think they are owned by the same company, if so woul d not that alone violate some regulations or laws? I have attached the results of the credit bureaus decision along with my bank denial for credit based on this collection plus a word document that has the email correspondence between my self and XXXX XXXX . I thank you for any and all consideration in this matter ...
|
| Consumer Consent Provided |
Consent provided
|
|
|
8311014
|
2024-02-08
|
Attempts to collect debt not owed
|
Debt collection
|
|
| Issue |
Attempts to collect debt not owed
|
| Timely |
Yes
|
| Company |
Ray Klein, Inc.
|
| Product |
Debt collection
|
| Sub Issue |
Debt was result of identity theft
|
| Sub Product |
Other debt
|
| Date Received |
2024-02-08
|
| Submitted Via |
Web
|
| Company Response |
Closed with explanation
|
| Consumer Disputed |
N/A
|
| Date Sent To Company |
2024-02-08
|
| Consumer Consent Provided |
Consent not provided
|
|
|
1620712
|
2015-10-22
|
Cont'd attempts collect debt not owed
|
Debt collection
|
|
| Issue |
Cont'd attempts collect debt not owed
|
| Timely |
Yes
|
| Company |
Ray Klein, Inc.
|
| Product |
Debt collection
|
| Sub Issue |
Debt is not mine
|
| Sub Product |
I do not know
|
| Date Received |
2015-10-22
|
| Submitted Via |
Web
|
| Company Response |
Closed with explanation
|
| Consumer Disputed |
Yes
|
| Date Sent To Company |
2015-10-22
|
| Company Public Response |
Company believes complaint caused principally by actions of third party outside the control or direction of the company
|
| Complaint What Happened |
XXXX XXXX collection agency on XX/XX/XXXX, they garnished my accounts and then they tried again and again but the Bank, charging me those ilegall attemp to my accounts and they knew I did not have money on those accounts.So that 's Debt is not mine is from XXXX XXXX
|
| Consumer Consent Provided |
Consent provided
|
|
|
8904109
|
2024-05-01
|
Written notification about debt
|
Debt collection
|
|
| Issue |
Written notification about debt
|
| Timely |
Yes
|
| Company |
Ray Klein, Inc.
|
| Product |
Debt collection
|
| Sub Issue |
Didn't receive enough information to verify debt
|
| Sub Product |
Medical debt
|
| Date Received |
2024-05-01
|
| Submitted Via |
Web
|
| Company Response |
Closed with explanation
|
| Consumer Disputed |
N/A
|
| Date Sent To Company |
2024-05-01
|
| Complaint What Happened |
I had contacted the debt collection agency when I notice I had a collections on my credit report. I contacted the collection agency on XX/XX/year> to talk to a representative and request an itemized list of the debt that was to be collected as I had received a notice from them that just named the company and the amount they were seeking to collect without any information on what that amount was for. I called again today to ask why I was not provided that information yet. I had given the collection agency 60 days to provide me with that information and I was not able to get information as to why I had not received that yet. Instead the agent was combative and gave me the run around instead of explaining what was going on with the status of debt which is still on my credit report.
|
| Consumer Consent Provided |
Consent provided
|
|
|
8792938
|
2024-04-18
|
Improper use of your report
|
Credit reporting or other personal consumer reports
|
|
| Issue |
Improper use of your report
|
| Timely |
Yes
|
| Company |
Ray Klein, Inc.
|
| Product |
Credit reporting or other personal consumer reports
|
| Sub Issue |
Reporting company used your report improperly
|
| Sub Product |
Credit reporting
|
| Date Received |
2024-04-18
|
| Submitted Via |
Web
|
| Company Response |
Closed with explanation
|
| Consumer Disputed |
N/A
|
| Date Sent To Company |
2024-04-18
|
| Complaint What Happened |
XXXX XXXX XXXX IS NOT LICENSED TO REPORT OR COLLECT DEBT IN FLORIDA AS I CHECKED ON THE XXXX XXXX XXXX WEBSITE. THEY ARE ILLEGALLY POSTING ON MY CREDIT REPORT!!!!
|
| Consumer Consent Provided |
Consent provided
|
|
