|
3138305
|
2019-01-31
|
Written notification about debt
|
Debt collection
|
|
| Issue |
Written notification about debt
|
| Timely |
Yes
|
| Company |
Financial Credit Service, Inc.
|
| Product |
Debt collection
|
| Sub Issue |
Didn't receive enough information to verify debt
|
| Sub Product |
Credit card debt
|
| Date Received |
2019-01-31
|
| Submitted Via |
Web
|
| Company Response |
Closed with explanation
|
| Consumer Disputed |
N/A
|
| Date Sent To Company |
2019-01-31
|
| Complaint What Happened |
I was first contacted on XX/XX/XXXX by phone from ARA, XXXX XXXX XXXX, XXXX XXXX, Collection Manager. XXXX. He stated that I owed {$26000.00} currently. It had started as a credit card debt but could not tell me what card or bank the debt had originated with. He said that the last payment on record from me was XXXX and the debt at that time was {$9500.00}.
XXXX said that they tried to mail me letters at an old address that was my father 's old business. At the time of this call I had not received anything at my home of 11 years. XXXX was able to list my Social Security number, address, phone number and current credit cards and said that they are now pursuing me because I now have good credit and they can go after me now that I have a house and credit cards. They offered me a settlement of {$4200.00}, broken down into 3 payments with a down payment of {$420.00}.
When I said I don't have that kind of money and my kids are on free and reduced lunch at school, government health care and my wife doesn't work he placed me on hold and went to his " clients and manager '' and offered me option # 2- {$3500.00} in 2 payments or option # 3- {$2900.00} one lump sum. {$290.00} down on XX/XX/XXXX and {$2600.00} by XX/XX/XXXX. He said if I refused to pay that I was in big trouble and they would have to take legal action. I was scared they would hurt my credit or my wife 's if I did not agree to pay them something that I knew I could not afford. He told me to put it on my Debit card so I agreed knowing I did not have the money. I cancelled my card that night. He called my work on XX/XX/XXXX and my Father on XX/XX/XXXX in addition to repeated calls to my cell phone. All messages I kept and have recordings of the threats.
|
| Consumer Consent Provided |
Consent provided
|
|
|
2893439
|
2018-05-01
|
Written notification about debt
|
Debt collection
|
|
| Issue |
Written notification about debt
|
| Timely |
Yes
|
| Company |
Financial Credit Service, Inc.
|
| Product |
Debt collection
|
| Sub Issue |
Didn't receive enough information to verify debt
|
| Sub Product |
Other debt
|
| Date Received |
2018-05-01
|
| Submitted Via |
Referral
|
| Company Response |
Closed with explanation
|
| Consumer Disputed |
N/A
|
| Date Sent To Company |
2018-05-01
|
| Consumer Consent Provided |
N/A
|
|
|
2346640
|
2017-02-15
|
Taking/threatening an illegal action
|
Debt collection
|
|
| Issue |
Taking/threatening an illegal action
|
| Timely |
Yes
|
| Company |
Financial Credit Service, Inc.
|
| Product |
Debt collection
|
| Sub Issue |
Threatened to sue on too old debt
|
| Sub Product |
Payday loan
|
| Date Received |
2017-02-15
|
| Submitted Via |
Web
|
| Company Response |
Closed with explanation
|
| Consumer Disputed |
No
|
| Date Sent To Company |
2017-02-15
|
| Consumer Consent Provided |
Consent not provided
|
|
|
2755068
|
2017-12-14
|
Took or threatened to take negative or legal action
|
Debt collection
|
|
| Issue |
Took or threatened to take negative or legal action
|
| Timely |
Yes
|
| Company |
Financial Credit Service, Inc.
|
| Product |
Debt collection
|
| Sub Issue |
Threatened to sue you for very old debt
|
| Sub Product |
Credit card debt
|
| Date Received |
2017-12-14
|
| Submitted Via |
Web
|
| Company Response |
Closed with explanation
|
| Consumer Disputed |
N/A
|
| Date Sent To Company |
2018-01-28
|
| Complaint What Happened |
To Whom It My Concern, XXXX XXXX XXXX in Illinois has continually tried to collect on and old credit card debt that is past the statute of limitation in Florida. Today, XX/XX/XXXX they called me on 3 separate occasions using an automated dialer. I have not given my express consent to this or any other company to call me using an automated dialer. In fact my number of registered on the Federal Do Not Call List.
Today they threatened that they have a judgement against me and that it will be enforced on Monday XX/XX/XXXX in XXXX Co Florida. They stated that the only way for me to avoid this action was to pay them some {$1900.00} today. First I have never been notified or served with a summons regarding any suite . Second, the credit card debt in question is over 10 years old and is past the statue of limitations to sue in for judgement in the State of Florida.
The false threats and the phone calls to my cell phone using an automated dialer without my expressed consent are clear violations of the FDCPA and CFPB regulations. On top of that they call me three times in one day the first call was at XXXX, the second call was at XXXX and the third call was at XXXX. I picked up and answered all three calls. It was in the second call that the agent threatened the legal action and demanded payment to stop the legal action today.
Sincerely, XXXX XXXX
|
| Consumer Consent Provided |
Consent provided
|
|
|
2754035
|
2017-12-13
|
Attempts to collect debt not owed
|
Debt collection
|
|
| Issue |
Attempts to collect debt not owed
|
| Timely |
Yes
|
| Company |
Financial Credit Service, Inc.
|
| Product |
Debt collection
|
| Sub Issue |
Debt is not yours
|
| Sub Product |
I do not know
|
| Date Received |
2017-12-13
|
| Submitted Via |
Web
|
| Company Response |
Closed with explanation
|
| Consumer Disputed |
N/A
|
| Date Sent To Company |
2017-12-13
|
| Consumer Consent Provided |
Consent not provided
|
|
|
1615733
|
2015-10-20
|
Taking/threatening an illegal action
|
Debt collection
|
|
| Issue |
Taking/threatening an illegal action
|
| Timely |
Yes
|
| Company |
Financial Credit Service, Inc.
|
| Product |
Debt collection
|
| Sub Issue |
Threatened arrest/jail if do not pay
|
| Sub Product |
I do not know
|
| Date Received |
2015-10-20
|
| Submitted Via |
Web
|
| Company Response |
Closed with explanation
|
| Consumer Disputed |
No
|
| Date Sent To Company |
2015-10-20
|
| Complaint What Happened |
A man left a voice recording on my sisters phone for me to contact them over an urgent matter. It was strange to me that anyone would even contact her as I do n't give her information out for any reason. After work I called them and a woman claiming to work for ARA ( Asset Recovery Associates ), tells me this was over a debt of {$490.00} for a payday loan she says I took out in XXXX? ( I do n't recall the exact year ). When I tell her I had no idea what she was talking about she said this matter has to be resolved within the next few hours or she would have to submit paperwork charging me with fraud. That terrified me as I have never been in trouble with the law so I again tell her I did n't know what she was talking about and she begins reciting my social to me, then my birthdate, then an address I have n't lived at in a little under 18 years. She tells me that I knowingly walked in to a business and gave fraudulent information in order to get this loan. I again told her I do n't know what she 's talking about then she says I have a voided check from a XXXX XXXX account, that 's where she lost me because I 've never had an account at XXXX. I explained to her that a few years ago I had my checkbook stolen by a family member but that had been cleared up but she did n't care. I was threatened with charges being filed and being arrested. I was so scared that I just decided to make arrangements with this woman. Right after, I called my ex husband and told him what happened and immediately he told me to cancel my bank cards that this was a scam. Apparently the same thing had just happened to his mother in the same week. So, I did just that and then did my own research and found the name of a lawyer that has dealt with them before. They gave me the same advice. They told me to cancel my cards, report them to the XXXX and on this website, and some other instructions. Apparently this company is notorious for this type of thing. I do n't want anything but to be left alone. These type of people make me sick.
|
| Consumer Consent Provided |
Consent provided
|
|
|
1315354
|
2015-04-03
|
Communication tactics
|
Debt collection
|
|
| Issue |
Communication tactics
|
| Timely |
Yes
|
| Company |
Financial Credit Service, Inc.
|
| Product |
Debt collection
|
| Sub Issue |
Used obscene/profane/abusive language
|
| Sub Product |
Credit card
|
| Date Received |
2015-04-03
|
| Submitted Via |
Web
|
| Company Response |
Closed with explanation
|
| Consumer Disputed |
No
|
| Date Sent To Company |
2015-04-03
|
| Complaint What Happened |
I was called about a debt that was written off XXXX years ago, by the credit card company. It was then sold to several collection agencies, before ending up in the hands of XXXX financial in Illinois. ( XXXX ). They never stated this was an attempt to collect a debt, nor read the " mini mirnada '' required by debt collectors. The guy then proceeded to insult me, calling me a child, a bum, loser and so on.
I eventually hung up, but after working in collections for a short time, I know what they did is illegal and they need to be fined for this.
|
| Consumer Consent Provided |
Consent provided
|
|
|
845597
|
2014-05-09
|
Communication tactics
|
Debt collection
|
|
| Issue |
Communication tactics
|
| Timely |
No
|
| Company |
Financial Credit Service, Inc.
|
| Product |
Debt collection
|
| Sub Issue |
Threatened to take legal action
|
| Sub Product |
Credit card
|
| Date Received |
2014-05-09
|
| Submitted Via |
Phone
|
| Company Response |
Closed with explanation
|
| Consumer Disputed |
No
|
| Date Sent To Company |
2014-05-14
|
| Consumer Consent Provided |
N/A
|
|
|
1077049
|
2014-10-19
|
Cont'd attempts collect debt not owed
|
Debt collection
|
|
| Issue |
Cont'd attempts collect debt not owed
|
| Timely |
No
|
| Company |
Financial Credit Service, Inc.
|
| Product |
Debt collection
|
| Sub Issue |
Debt was paid
|
| Sub Product |
I do not know
|
| Date Received |
2014-10-19
|
| Submitted Via |
Web
|
| Company Response |
Closed with explanation
|
| Consumer Disputed |
No
|
| Date Sent To Company |
2014-10-24
|
| Consumer Consent Provided |
N/A
|
|
|
1459642
|
2015-07-09
|
Taking/threatening an illegal action
|
Debt collection
|
|
| Issue |
Taking/threatening an illegal action
|
| Timely |
Yes
|
| Company |
Financial Credit Service, Inc.
|
| Product |
Debt collection
|
| Sub Issue |
Threatened arrest/jail if do not pay
|
| Sub Product |
Auto
|
| Date Received |
2015-07-09
|
| Submitted Via |
Phone
|
| Company Response |
Closed with explanation
|
| Consumer Disputed |
No
|
| Date Sent To Company |
2015-07-15
|
| Consumer Consent Provided |
N/A
|
|
|
1789932
|
2016-02-16
|
Taking/threatening an illegal action
|
Debt collection
|
|
| Issue |
Taking/threatening an illegal action
|
| Timely |
Yes
|
| Company |
Financial Credit Service, Inc.
|
| Product |
Debt collection
|
| Sub Issue |
Threatened to sue on too old debt
|
| Sub Product |
Credit card
|
| Date Received |
2016-02-16
|
| Submitted Via |
Web
|
| Company Response |
Closed with explanation
|
| Consumer Disputed |
No
|
| Date Sent To Company |
2016-02-24
|
| Complaint What Happened |
Received a call from ( XXXX XXXX ) on my business phone with no message. Called back thinking it was a customer and was forwarded to an unknown extension. Person said I owed XXXX to some bank I do not remember ever doing business with.
A male voice told me my whole Social security number over the phone, then said the determination has been made to seek judgment. I said I do not respond to threats or scams and he had no business with my personal information. He tried to continue, but I hung up and immediately filed this complaint. My credit has been very good for well over 12 years. No such ( XXXX ) or other is listed anywhere on my credit report.
|
| Consumer Consent Provided |
Consent provided
|
|
|
1385256
|
2015-05-20
|
Cont'd attempts collect debt not owed
|
Debt collection
|
|
| Tags |
Older American
|
| Issue |
Cont'd attempts collect debt not owed
|
| Timely |
Yes
|
| Company |
Financial Credit Service, Inc.
|
| Product |
Debt collection
|
| Sub Issue |
Debt is not mine
|
| Sub Product |
Credit card
|
| Date Received |
2015-05-20
|
| Submitted Via |
Phone
|
| Company Response |
Closed with explanation
|
| Consumer Disputed |
No
|
| Date Sent To Company |
2015-06-01
|
| Consumer Consent Provided |
N/A
|
|
|
1397169
|
2015-05-29
|
Communication tactics
|
Debt collection
|
|
| Tags |
Servicemember
|
| Issue |
Communication tactics
|
| Timely |
No
|
| Company |
Financial Credit Service, Inc.
|
| Product |
Debt collection
|
| Sub Issue |
Threatened to take legal action
|
| Sub Product |
I do not know
|
| Date Received |
2015-05-29
|
| Submitted Via |
Web
|
| Company Response |
Closed with explanation
|
| Consumer Disputed |
No
|
| Date Sent To Company |
2015-06-02
|
| Complaint What Happened |
I have received numerous calls from ( XXXX ) XXXX attempting to collect a debt I do not owe. The alleged debt is over 16 years old. The most recent caller claims to be XXXX XXXX calling about a " case '' that has been placed with their " legal division '' about a " petition for judgment '' that has been " filed against me '' and they will be processing through XXXX County Courts. XXXX XXXX then goes on to say it would be in my best interest to call him immediately and left a number of XXXX ext XXXX with a " case number '' of XXXX. XXXX XXXX also called my husband and left the same message implying that I had been or am being sued and a judgment has been or will be obtained against me. I have heard from family members and friends that they have received similar phone calls as well. I have explained to other callers from this number that I do not owe the debt that they are trying to collect but they insist on continuing to call me. When I do not answer the phone then they randomly call a member of my family or friend to call and leave the disturbing message. This clearly rises to the level of harassment. Further, I believe it is a clear violation of the Fair Debt Collection Practices to insinuate a legal action has occurred or will occur when it has not and they have no intention ( because they can not ) bring a legal action against me. Likewise, I believe it is a violation to insinuate there is a judgment against me when there is not. Please contact this company so that they will cease contacting me and other consumers in this manner.
|
| Consumer Consent Provided |
Consent provided
|
|
|
1832401
|
2016-03-15
|
Cont'd attempts collect debt not owed
|
Debt collection
|
|
| Issue |
Cont'd attempts collect debt not owed
|
| Timely |
Yes
|
| Company |
Financial Credit Service, Inc.
|
| Product |
Debt collection
|
| Sub Issue |
Debt is not mine
|
| Sub Product |
Payday loan
|
| Date Received |
2016-03-15
|
| Submitted Via |
Web
|
| Company Response |
Closed with explanation
|
| Consumer Disputed |
Yes
|
| Date Sent To Company |
2016-03-15
|
| Complaint What Happened |
They are calling and harassing myself as well as family members saying I committed check fraud on a payday loan. I have never taken a payday loan on line.Threatened me with arrest and then claimed that they will see me in court. The call comes from an unknown number. Messages left to call this company ARA XXXX XXXX XXXX. They spoke with my brother a woman named XXXX XXXX saying I committed check fraud. That is also the name left on my voice mail and my daughters stating I committed check fraud. I called the rep no name given refused to send proof said I would see it in court. Then transferred to legal dept supposedly but he answers as the office manager. Spoke with XXXX XXXX who called me a thief told me maybe I should close my mouth. Tried to get me to confirm my social and checking. Gave past personal information address and checking account number as well as an email address none of these in use for several years and tried to threaten my family with legal action.
|
| Consumer Consent Provided |
Consent provided
|
|
|
1081227
|
2014-10-22
|
Communication tactics
|
Debt collection
|
|
| Issue |
Communication tactics
|
| Timely |
Yes
|
| Company |
Financial Credit Service, Inc.
|
| Product |
Debt collection
|
| Sub Issue |
Threatened to take legal action
|
| Sub Product |
I do not know
|
| Date Received |
2014-10-22
|
| Submitted Via |
Web
|
| Company Response |
Closed with explanation
|
| Consumer Disputed |
No
|
| Date Sent To Company |
2014-10-24
|
| Consumer Consent Provided |
N/A
|
|
|
937043
|
2014-07-15
|
Cont'd attempts collect debt not owed
|
Debt collection
|
|
| Issue |
Cont'd attempts collect debt not owed
|
| Timely |
Yes
|
| Company |
Financial Credit Service, Inc.
|
| Product |
Debt collection
|
| Sub Issue |
Debt was paid
|
| Sub Product |
Medical
|
| Date Received |
2014-07-15
|
| Submitted Via |
Web
|
| Company Response |
Closed with explanation
|
| Consumer Disputed |
No
|
| Date Sent To Company |
2014-07-15
|
| Consumer Consent Provided |
N/A
|
|
|
2411702
|
2017-03-31
|
Cont'd attempts collect debt not owed
|
Debt collection
|
|
| Tags |
Servicemember
|
| Issue |
Cont'd attempts collect debt not owed
|
| Timely |
Yes
|
| Company |
Financial Credit Service, Inc.
|
| Product |
Debt collection
|
| Sub Issue |
Debt is not mine
|
| Sub Product |
I do not know
|
| Date Received |
2017-03-31
|
| Submitted Via |
Web
|
| Company Response |
Closed with explanation
|
| Consumer Disputed |
No
|
| Date Sent To Company |
2017-03-31
|
| Complaint What Happened |
Called today and threatened me with liens on vehicles and bank accounts if debt not paid. The debt is not even mine.
|
| Consumer Consent Provided |
Consent provided
|
|
|
2908933
|
2018-05-16
|
Took or threatened to take negative or legal action
|
Debt collection
|
|
| Tags |
Servicemember
|
| Issue |
Took or threatened to take negative or legal action
|
| Timely |
Yes
|
| Company |
Financial Credit Service, Inc.
|
| Product |
Debt collection
|
| Sub Issue |
Threatened to sue you for very old debt
|
| Sub Product |
Credit card debt
|
| Date Received |
2018-05-16
|
| Submitted Via |
Web
|
| Company Response |
Closed with explanation
|
| Consumer Disputed |
N/A
|
| Date Sent To Company |
2018-05-16
|
| Complaint What Happened |
Received a letter on XX/XX/XXXX stating I owed almost {$1800.00} to XXXX XXXX. I called the company ARA Inc.on XX/XX/XXXX to inquire about this. Yes, this letter got misplaced in the shuffle of mail in my house. They said it was a XXXX credit card from XX/XX/XXXX. A card from 15yrs ago that I know nothing about. She kept saying there are no statute of limitations, this needs to be resolved right now. I told her I would get back to her in a couple of days and she said I have till close of business today or I will be sued. I told her I would not be calling her back today, I will call back in a few days.
|
| Consumer Consent Provided |
Consent provided
|
|
|
1318032
|
2015-04-06
|
Cont'd attempts collect debt not owed
|
Debt collection
|
|
| Issue |
Cont'd attempts collect debt not owed
|
| Timely |
Yes
|
| Company |
Financial Credit Service, Inc.
|
| Product |
Debt collection
|
| Sub Issue |
Debt is not mine
|
| Sub Product |
I do not know
|
| Date Received |
2015-04-06
|
| Submitted Via |
Web
|
| Company Response |
Closed with explanation
|
| Consumer Disputed |
Yes
|
| Date Sent To Company |
2015-04-06
|
| Complaint What Happened |
Recieved from ARA Inc., a demand for payment of dept totally {$7100.00} off a Bank called XXXX. I have never heard of XXXX, much less owe anyone 7k. I contacted them, they threatened to take me to court and I " would pay all attorney fees '' they claimed. I demanded the proof I ever owed thisy be sent to me. They refused ( woman claiming she is 'XXXX ', and a Supervisor he claimed, saying he was 'XXXX ' ) XXXX was threatening, obnoxius and refused to speak to me after my request. I then was connected to this XXXX, who claimed they were about to take me to court. I told them go for it, because they knew I would win. He was outlandish and said he had no problem being recorded. I was harrassed repeatedly to PAY MY BILLS. They stated they had the loan information in front of them, but refused to provide such proof or such information, just " send us the money! '' after they refused I decided to investigate the Company as it was clear this likely was a sham, and found multiple complaints online filed against ARA Inc, in which the posters stated they recieved almost identical amount demands, identical claims of the bank they had never heard of, and outragious treatment once they tried to make contact. XXXX off of XXXX sight alone with the identical stories. It greatly disturbs me that in all likely hood elderly are being targeted and unknowingly paying off bills without questioning the sources of such " bills ''. I was told I owed {$2000.00} to begin with, ( never happened ) and then it had built up over the years. I demand copies showing such bills, and such transactions and proof this was myself and not another party using my name. They are refusing to provide it. I contacted them back on learning they were duplicating same amounts or close enough to be the same to XXXX if not XXXX of others across the US who had the same story I did, that they never wracked up such charges even in the past. The company has refused outright to provide it or to provide information. I asked to speak to their lawyer team, I was refused based on what this person claiming to be XXXX said, " It was his job to protect the attorneys. '' I dare this company to file legal actions and allow me into court to prove they are defauding the public.
|
| Consumer Consent Provided |
Consent provided
|
|
|
1598933
|
2015-10-08
|
Disclosure verification of debt
|
Debt collection
|
|
| Issue |
Disclosure verification of debt
|
| Timely |
Yes
|
| Company |
Financial Credit Service, Inc.
|
| Product |
Debt collection
|
| Sub Issue |
Not given enough info to verify debt
|
| Sub Product |
Medical
|
| Date Received |
2015-10-08
|
| Submitted Via |
Web
|
| Company Response |
Closed with explanation
|
| Consumer Disputed |
No
|
| Date Sent To Company |
2015-10-08
|
| Consumer Consent Provided |
Consent not provided
|
|
|
1416481
|
2015-06-11
|
Taking/threatening an illegal action
|
Debt collection
|
|
| Issue |
Taking/threatening an illegal action
|
| Timely |
Yes
|
| Company |
Financial Credit Service, Inc.
|
| Product |
Debt collection
|
| Sub Issue |
Threatened to sue on too old debt
|
| Sub Product |
I do not know
|
| Date Received |
2015-06-11
|
| Submitted Via |
Web
|
| Company Response |
Closed with explanation
|
| Consumer Disputed |
No
|
| Date Sent To Company |
2015-06-11
|
| Complaint What Happened |
Asset Recovery - Tel : XXXX called me and threatened me with legal action ; threatening to sue me for over {$11000.00} and put negative remarks on my credit reports. Threatened to obtain a judgment against me for a debt to " XXXX Bank '' from the " XXXX ''. Claimed I negotiated with them in XXXX - never happened. Never received any documentation. I do not owe this debt and the debt would be uncollectable under the Statute of Limitations. They have my complete social security number so I pulled a copy of my credit report and saw they made an inquiry on XX/XX/XXXX. I am a victim of identity theft and any and all inquiries are very disconcerting.
|
| Consumer Consent Provided |
Consent provided
|
|
|
2765990
|
2017-12-28
|
Attempts to collect debt not owed
|
Debt collection
|
|
| Issue |
Attempts to collect debt not owed
|
| Timely |
Yes
|
| Company |
Financial Credit Service, Inc.
|
| Product |
Debt collection
|
| Sub Issue |
Debt was paid
|
| Sub Product |
Other debt
|
| Date Received |
2017-12-28
|
| Submitted Via |
Phone
|
| Company Response |
Closed with explanation
|
| Consumer Disputed |
N/A
|
| Date Sent To Company |
2018-01-09
|
| Consumer Consent Provided |
N/A
|
|
|
2862142
|
2018-04-02
|
Attempts to collect debt not owed
|
Debt collection
|
|
| Issue |
Attempts to collect debt not owed
|
| Timely |
Yes
|
| Company |
Financial Credit Service, Inc.
|
| Product |
Debt collection
|
| Sub Issue |
Debt is not yours
|
| Sub Product |
Credit card debt
|
| Date Received |
2018-04-02
|
| Submitted Via |
Phone
|
| Company Response |
Closed with explanation
|
| Consumer Disputed |
N/A
|
| Date Sent To Company |
2018-04-02
|
| Consumer Consent Provided |
N/A
|
|
|
2472447
|
2017-05-02
|
Took or threatened to take negative or legal action
|
Debt collection
|
|
| Issue |
Took or threatened to take negative or legal action
|
| Timely |
Yes
|
| Company |
Financial Credit Service, Inc.
|
| Product |
Debt collection
|
| Sub Issue |
Threatened to sue you for very old debt
|
| Sub Product |
Other debt
|
| Date Received |
2017-05-02
|
| Submitted Via |
Postal mail
|
| Company Response |
Closed with explanation
|
| Consumer Disputed |
N/A
|
| Date Sent To Company |
2017-05-05
|
| Consumer Consent Provided |
N/A
|
|
|
2303867
|
2017-01-23
|
Cont'd attempts collect debt not owed
|
Debt collection
|
|
| Tags |
Older American
|
| Issue |
Cont'd attempts collect debt not owed
|
| Timely |
Yes
|
| Company |
Financial Credit Service, Inc.
|
| Product |
Debt collection
|
| Sub Issue |
Debt resulted from identity theft
|
| Sub Product |
Credit card
|
| Date Received |
2017-01-23
|
| Submitted Via |
Phone
|
| Company Response |
Closed with explanation
|
| Consumer Disputed |
No
|
| Date Sent To Company |
2017-01-25
|
| Consumer Consent Provided |
N/A
|
|
|
1114946
|
2014-11-13
|
False statements or representation
|
Debt collection
|
|
| Issue |
False statements or representation
|
| Timely |
Yes
|
| Company |
Financial Credit Service, Inc.
|
| Product |
Debt collection
|
| Sub Issue |
Impersonated an attorney or official
|
| Sub Product |
I do not know
|
| Date Received |
2014-11-13
|
| Submitted Via |
Web
|
| Company Response |
Closed with explanation
|
| Consumer Disputed |
No
|
| Date Sent To Company |
2014-11-13
|
| Consumer Consent Provided |
N/A
|
|
|
819451
|
2014-04-22
|
Taking/threatening an illegal action
|
Debt collection
|
|
| Issue |
Taking/threatening an illegal action
|
| Timely |
Yes
|
| Company |
Financial Credit Service, Inc.
|
| Product |
Debt collection
|
| Sub Issue |
Threatened to sue on too old debt
|
| Sub Product |
Credit card
|
| Date Received |
2014-04-22
|
| Submitted Via |
Web
|
| Company Response |
Closed with explanation
|
| Consumer Disputed |
No
|
| Date Sent To Company |
2014-04-22
|
| Consumer Consent Provided |
N/A
|
|
|
1057843
|
2014-10-03
|
Cont'd attempts collect debt not owed
|
Debt collection
|
|
| Issue |
Cont'd attempts collect debt not owed
|
| Timely |
Yes
|
| Company |
Financial Credit Service, Inc.
|
| Product |
Debt collection
|
| Sub Issue |
Debt is not mine
|
| Sub Product |
Credit card
|
| Date Received |
2014-10-03
|
| Submitted Via |
Web
|
| Company Response |
Closed with explanation
|
| Consumer Disputed |
No
|
| Date Sent To Company |
2014-10-08
|
| Consumer Consent Provided |
N/A
|
|
|
1629901
|
2015-10-28
|
Managing the loan or lease
|
Consumer Loan
|
|
| Issue |
Managing the loan or lease
|
| Timely |
Yes
|
| Company |
Financial Credit Service, Inc.
|
| Product |
Consumer Loan
|
| Sub Product |
Vehicle loan
|
| Date Received |
2015-10-28
|
| Submitted Via |
Phone
|
| Company Response |
Closed with explanation
|
| Consumer Disputed |
No
|
| Date Sent To Company |
2015-10-30
|
| Consumer Consent Provided |
N/A
|
|
|
2416565
|
2017-04-03
|
Cont'd attempts collect debt not owed
|
Debt collection
|
|
| Issue |
Cont'd attempts collect debt not owed
|
| Timely |
Yes
|
| Company |
Financial Credit Service, Inc.
|
| Product |
Debt collection
|
| Sub Issue |
Debt is not mine
|
| Sub Product |
Credit card
|
| Date Received |
2017-04-03
|
| Submitted Via |
Web
|
| Company Response |
Closed with explanation
|
| Consumer Disputed |
No
|
| Date Sent To Company |
2017-04-03
|
| Consumer Consent Provided |
Consent not provided
|
|
|
2474620
|
2017-05-03
|
Attempts to collect debt not owed
|
Debt collection
|
|
| Issue |
Attempts to collect debt not owed
|
| Timely |
Yes
|
| Company |
Financial Credit Service, Inc.
|
| Product |
Debt collection
|
| Sub Issue |
Debt was paid
|
| Sub Product |
Credit card debt
|
| Date Received |
2017-05-03
|
| Submitted Via |
Postal mail
|
| Company Response |
Closed with explanation
|
| Consumer Disputed |
N/A
|
| Date Sent To Company |
2017-05-15
|
| Consumer Consent Provided |
N/A
|
|
