|
11105272
|
2024-12-10
|
Written notification about debt
|
Debt collection
|
|
| Issue |
Written notification about debt
|
| Timely |
Yes
|
| Company |
PlusFour, Inc
|
| Product |
Debt collection
|
| Sub Issue |
Didn't receive notice of right to dispute
|
| Sub Product |
Medical debt
|
| Date Received |
2024-12-10
|
| Submitted Via |
Web
|
| Company Response |
Closed with explanation
|
| Consumer Disputed |
N/A
|
| Date Sent To Company |
2024-12-10
|
| Company Public Response |
Company has responded to the consumer and the CFPB and chooses not to provide a public response
|
| Consumer Consent Provided |
Consent not provided
|
|
|
4228302
|
2021-03-19
|
Attempts to collect debt not owed
|
Debt collection
|
|
| Issue |
Attempts to collect debt not owed
|
| Timely |
Yes
|
| Company |
PlusFour, Inc
|
| Product |
Debt collection
|
| Sub Issue |
Debt is not yours
|
| Sub Product |
Medical debt
|
| Date Received |
2021-03-19
|
| Submitted Via |
Web
|
| Company Response |
Closed with explanation
|
| Consumer Disputed |
N/A
|
| Date Sent To Company |
2021-03-19
|
| Company Public Response |
Company has responded to the consumer and the CFPB and chooses not to provide a public response
|
| Complaint What Happened |
This is the second complaint I am filing against Plusfour , Inc for illegal collection activity. Plusfour is not a licensed consumer collection agency in the State of Florida where I reside. I filed the original complaint against Plusfour on XX/XX/XXXX. Plusfour responded on XX/XX/XXXX and acknowledged that they are not a licensed collection agency in the State of Florida. Plusfour has continued their illegal collection activity by reporting the collection account to XXXX, XXXX, and XXXX. They have reported the account three times to XXXX in XXXX, XXXX ( See attached ). I have recently been informed by my attorney that Plusfour was sanctioned on XX/XX/XXXX by the Florida Attorney General and the Florida Office of Financial Regulation for operating as an illegal consumer collection agency from XXXX through XXXX ( See attached ). As a result of their illegal activity, Plusfour restricted from conducting any consumer collection activities in the State of Florida until XX/XX/XXXX. Section 4 ( c ) of the State of Florida Settlement Agreement specifically states - Respondent shall not engage in any activity pursuant to Chapter 559, part IV, Florida Statutes, which requires a registration from the Office unless properly registered. Further, Respondent shall not act as a control person, as that term is defined in section 559.55 ( 4 ), Florida Statutes, of any consumer collection agency registered by the Office nor shall Respondent apply for any registration pursuant to Chapter 559, Florida Statutes, for a period of five ( 5 ) years from the docketed date of the Final Order adopting and incorporating this Settlement Stipulation. At this point, I am willing to cooperate fully with all State and Federal investigations into Plusfour regarding their illegal collection activities. If this account is not deleted immediately from all of my credit bureau files, I will instruct my attorney to file a lawsuit against Plusfour for their illegal collection activities, and will be seeking damages and attorneys fees.
|
| Consumer Consent Provided |
Consent provided
|
|
|
2167336
|
2016-10-19
|
Disclosure verification of debt
|
Debt collection
|
|
| Issue |
Disclosure verification of debt
|
| Timely |
Yes
|
| Company |
PlusFour, Inc
|
| Product |
Debt collection
|
| Sub Issue |
Not given enough info to verify debt
|
| Sub Product |
Medical
|
| Date Received |
2016-10-19
|
| Submitted Via |
Web
|
| Company Response |
Closed
|
| Consumer Disputed |
No
|
| Date Sent To Company |
2016-10-19
|
| Complaint What Happened |
I have contacted this company on several occasions to send me validation of the debt for a medical bill, and they have failed to do so of any signature. I have also contacted them to let them know that I never signed any paperwork releasing my medical records. Which is a HIPAA violation. They refused to work with me so I than contacted XXXX to get this debt removed, and sent a certified letter letting XXXX know that this a HIPAA violation because I never signed any paperwork releasing any of my medical information.
|
| Consumer Consent Provided |
Consent provided
|
|
|
2487780
|
2017-05-17
|
Took or threatened to take negative or legal action
|
Debt collection
|
|
| Tags |
Older American
|
| Issue |
Took or threatened to take negative or legal action
|
| Timely |
No
|
| Company |
PlusFour, Inc
|
| Product |
Debt collection
|
| Sub Issue |
Threatened or suggested your credit would be damaged
|
| Sub Product |
Other debt
|
| Date Received |
2017-05-17
|
| Submitted Via |
Web
|
| Company Response |
Closed with explanation
|
| Consumer Disputed |
N/A
|
| Date Sent To Company |
2017-06-01
|
| Complaint What Happened |
PlusFour, Inc. XXXX XXXX XXXX XXXX , # XXXX , XXXX , NV XXXX sent me a notice on XXXX XXXX XXXX stating that I can dispute their charge of {$72.00} within 30 days of receiving their notice. I disputed this charge in my letter of XXXX XXXX XXXX . See my attached letter of XXXX XXXX XXXX . I had not heard from them but found that they reported non payment of this account to the XXXX credit agencies ( e.g. XXXX ), thereby affecting my credit rating. So I sent them a letter on XXXX XXXX XXXX ( attached ) asking that they reverse the nonpayment to the credit agencies and that I would remedy this charge. I never heard from them and it is now XXXX XXXX XXXX and their notice to the credit agencies still persist. Account # XXXX
|
| Consumer Consent Provided |
Consent provided
|
|
|
4236950
|
2021-03-23
|
Attempts to collect debt not owed
|
Debt collection
|
|
| Issue |
Attempts to collect debt not owed
|
| Timely |
Yes
|
| Company |
PlusFour, Inc
|
| Product |
Debt collection
|
| Sub Issue |
Debt is not yours
|
| Sub Product |
Medical debt
|
| Date Received |
2021-03-23
|
| Submitted Via |
Web
|
| Company Response |
Closed with explanation
|
| Consumer Disputed |
N/A
|
| Date Sent To Company |
2021-03-23
|
| Complaint What Happened |
This complaint is the third complaint filed against Plusfour , Inc. for illegal collection activity in the State of Florida. In the previous complaint XXXX, Plusfour submitted an illegally modified E-Oscar report from Transunion. In the report, Plusfour modified my current address to reflect a Nevada address in place of my Florida address. They illegally modified this document because Plusfour is restricted from conducting collection activity in the State of Florida by the Florida Attorney General and the Florida Office of Financial Regulation. I have attached a copy of the legal order from the State of Florida. I have also attached a copy of my current XXXX credit report dated XXXX reflecting my Florida address. Plusfour is fully aware that they are operating illegally in the State of Florida. I have filed a formal complaint with the Florida Attorney General and Florida XXXXffice of Financial Regulation requesting an investigation of XXXX and their illegal collection activity.
|
| Consumer Consent Provided |
Consent provided
|
|
|
3372356
|
2019-09-12
|
Communication tactics
|
Debt collection
|
|
| Issue |
Communication tactics
|
| Timely |
Yes
|
| Company |
PlusFour, Inc
|
| Product |
Debt collection
|
| Sub Issue |
Frequent or repeated calls
|
| Sub Product |
Medical debt
|
| Date Received |
2019-09-12
|
| Submitted Via |
Web
|
| Company Response |
Closed with explanation
|
| Consumer Disputed |
N/A
|
| Date Sent To Company |
2019-09-16
|
| Company Public Response |
Company has responded to the consumer and the CFPB and chooses not to provide a public response
|
| Consumer Consent Provided |
Consent not provided
|
|
|
5329747
|
2022-03-16
|
Written notification about debt
|
Debt collection
|
|
| Issue |
Written notification about debt
|
| Timely |
Yes
|
| Company |
PlusFour, Inc
|
| Product |
Debt collection
|
| Sub Issue |
Didn't receive enough information to verify debt
|
| Sub Product |
I do not know
|
| Date Received |
2022-03-16
|
| Submitted Via |
Web
|
| Company Response |
Closed with explanation
|
| Consumer Disputed |
N/A
|
| Date Sent To Company |
2022-03-16
|
| Company Public Response |
Company has responded to the consumer and the CFPB and chooses not to provide a public response
|
| Complaint What Happened |
On XX/XX/2022, Plus Four put a {$250.00} collection on my account. I have no idea who Plus Four is and don't owe anyone any money. Lastly, no attempt was ever made to contact me by Plus Four. Please remove the Plus Four illegal collections account from my XXXX credit report.
Plus Four Amount {$250.00} XXXX XXXX XXXX XXXX XXXX XXXX, Nevada XXXX
|
| Consumer Consent Provided |
Consent provided
|
|
|
4217652
|
2021-03-16
|
Written notification about debt
|
Debt collection
|
|
| Issue |
Written notification about debt
|
| Timely |
Yes
|
| Company |
PlusFour, Inc
|
| Product |
Debt collection
|
| Sub Issue |
Didn't receive enough information to verify debt
|
| Sub Product |
Medical debt
|
| Date Received |
2021-03-16
|
| Submitted Via |
Web
|
| Company Response |
Closed with explanation
|
| Consumer Disputed |
N/A
|
| Date Sent To Company |
2021-03-16
|
| Company Public Response |
Company has responded to the consumer and the CFPB and chooses not to provide a public response
|
| Complaint What Happened |
On XX/XX/XXXX at XXXX XXXX est I called debt collector Plus Four, Inc ( XXXX ) XXXX to request a validation of debt, my credit report was showing that I owed {$320.00}. I provided the rep my dob and last 4 of social security number, the rep stated that there are several accounts on file and that a validation letter could not be fulfilled via phone request, I would have to request the validation by sending a letter via mail. I was then provided the business address to send the letter. I went to the USPS later that day and sent the letter certified ( see attachment ). Upon checking the tracking information on USPS.com on XX/XX/XXXX, the system stated the letter was refused and is currently being returned back to sender.
I have disputed and requested removal of this account several times on XXXX/XXXXXXXX and asked for a validation of debt from the debt collector to no avail. This account continues to be reported without any proof of validation and is damaging my credit.
|
| Consumer Consent Provided |
Consent provided
|
|
|
4290751
|
2021-04-12
|
Attempts to collect debt not owed
|
Debt collection
|
|
| Issue |
Attempts to collect debt not owed
|
| Timely |
Yes
|
| Company |
PlusFour, Inc
|
| Product |
Debt collection
|
| Sub Issue |
Debt is not yours
|
| Sub Product |
Medical debt
|
| Date Received |
2021-04-12
|
| Submitted Via |
Web
|
| Company Response |
Closed with explanation
|
| Consumer Disputed |
N/A
|
| Date Sent To Company |
2021-04-20
|
| Company Public Response |
Company has responded to the consumer and the CFPB and chooses not to provide a public response
|
| Complaint What Happened |
On XX/XX/XXXX I noticed that I had a Collection account in my XXXX Credit Report. The account was From PLUSFOUR INC. and the debt originated at XXXX XXXX XXXX ( both companies are in Nevada ) I contacted PLUSFOUR right away and they told me that the account that started with the numbers XXXX belongs to a person who the last name is XXXX, name that I had only during XX/XX/XXXX until XX/XX/XXXX because I was married to XXXX XXXX XXXX and we lived in California. Since XX/XX/XXXX my name has been XXXX XXXX XXXX XXXX, and the birth date was different than mine.
I have been living at XXXX XXXX XXXX XXXX, FL XXXX since XX/XX/XXXX ( I have lived in this address before ). I have NOT lived in XXXX XXXX, NV since the XX/XX/XXXX and my name was what is today XXXX XXXX XXXX XXXX. This debt account was opened on XX/XX/XXXX and is most definitely not mine!
PLUSFOUR INC refuses to call XXXX to clear that up.
I called XXXX and they told me that they were going to dispute but without a call from PLUSFOUR it may be difficult.
I called PLUSFLOR INC and XXXX enumerable times and all I could do was to start a dispute on line and on over the telephone with XXXX and they told me that may take a month or a long time. I am also sending a certified letter to XXXX to dispute it over them mail also to reinforce the need for them to fix my credit report.
I file a report with IdentityTheft.gov reference # XXXX and filed a police report with the XXXX XXXX Police Department with XXXX XXXX XXXX XXXX case number XXXX.
I don't know what to do any more! I became handicapped and need to buy a car with a ramp to put my scooter and my fico score that was ALWAYS XXXX + now is XXXX ( at least with XXXX XXXX.
Please help me! I NEVER paid a bill later in my entire life!
|
| Consumer Consent Provided |
Consent provided
|
|
|
2677414
|
2017-09-18
|
Took or threatened to take negative or legal action
|
Debt collection
|
|
| Tags |
Servicemember
|
| Issue |
Took or threatened to take negative or legal action
|
| Timely |
No
|
| Company |
PlusFour, Inc
|
| Product |
Debt collection
|
| Sub Issue |
Threatened or suggested your credit would be damaged
|
| Sub Product |
Medical debt
|
| Date Received |
2017-09-18
|
| Submitted Via |
Web
|
| Company Response |
Closed with explanation
|
| Consumer Disputed |
N/A
|
| Date Sent To Company |
2017-09-18
|
| Consumer Consent Provided |
Consent not provided
|
|
|
4090607
|
2021-01-24
|
Written notification about debt
|
Debt collection
|
|
| Issue |
Written notification about debt
|
| Timely |
Yes
|
| Company |
PlusFour, Inc
|
| Product |
Debt collection
|
| Sub Issue |
Didn't receive enough information to verify debt
|
| Sub Product |
Medical debt
|
| Date Received |
2021-01-24
|
| Submitted Via |
Web
|
| Company Response |
Closed with explanation
|
| Consumer Disputed |
N/A
|
| Date Sent To Company |
2021-01-24
|
| Company Public Response |
Company has responded to the consumer and the CFPB and chooses not to provide a public response
|
| Complaint What Happened |
In XX/XX/XXXX, Plusfour , Inc. reported a collection account for XXXX XXXX in the amount of {$540.00} on my credit bureau file. In XX/XX/XXXX, I sent a letter to Plusfour disputing the debt and requesting validation. They did not respond. In XX/XX/XXXX, I sent a certified letter to Plusfour disputing the debt again and requesting specific information be provided to me ( see attached ). Again, they did not respond. Pursuant to the FDCPA, they were required to respond to my request within 30 days. To date, Plusfour has never contacted me or sent any information regarding the validation of this debt. In XX/XX/XXXX, I became a resident of Florida. Plusfour is not a licensed collection agency in the state of Florida. Additionally, they have violated multiple FDCPA laws. Plusfour has a long history of violating consumers ' rights by not conducting business practices in compliance with federal and state laws regulating consumer collection agencies. Plusfour has been the named defendant in a multitude of lawsuits filed in the United States District Court, XXXX Nevada. The lawsuits were filed by consumers due to fraudulent business practices and violations of federal and state law. Plusfour has 138 complaints filed against them with your organization., Plusfour Inc. currently has an F rating with the XXXX XXXX XXXX with multiple unanswered complaints. Additionally, I am a permanent residence of Florida and Plusfour is not a collection agency in Florida as required by law. I am requesting that this company be investigated and that the account be deleted from my credit Bureau file immediately.
|
| Consumer Consent Provided |
Consent provided
|
|
|
2741074
|
2017-11-29
|
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 |
PlusFour, Inc
|
| Product |
Debt collection
|
| Sub Issue |
Threatened or suggested your credit would be damaged
|
| Sub Product |
Medical debt
|
| Date Received |
2017-11-29
|
| Submitted Via |
Web
|
| Company Response |
Closed with explanation
|
| Consumer Disputed |
N/A
|
| Date Sent To Company |
2017-11-29
|
| Consumer Consent Provided |
Consent not provided
|
|
|
5383818
|
2022-03-30
|
Communication tactics
|
Debt collection
|
|
| Issue |
Communication tactics
|
| Timely |
Yes
|
| Company |
PlusFour, Inc
|
| Product |
Debt collection
|
| Sub Issue |
You told them to stop contacting you, but they keep trying
|
| Sub Product |
Other debt
|
| Date Received |
2022-03-30
|
| Submitted Via |
Web
|
| Company Response |
Closed with explanation
|
| Consumer Disputed |
N/A
|
| Date Sent To Company |
2022-03-30
|
| Complaint What Happened |
I do not feel comfortable giving this company more of my information to use against me. This company has already claimed I lived in a XXXX store, which is illegal and impossible.
PlusFour illegally changed my address in their filing system and failed to follow the law by removing the inaccurate collections from all three credit bureaus.
If the CFPB and XXXX are unable to help, I will be forced to engage all parties in litigation ( defamation, slander, fraud, lost wages/time, etc. ). However, I feel the easiest path for all parties is to remove this illegal and unauthorized collection account from all three credit bureaus.
|
| Consumer Consent Provided |
Consent provided
|
|
|
5546588
|
2022-05-05
|
Took or threatened to take negative or legal action
|
Debt collection
|
|
| Issue |
Took or threatened to take negative or legal action
|
| Timely |
Yes
|
| Company |
PlusFour, Inc
|
| Product |
Debt collection
|
| Sub Issue |
Threatened or suggested your credit would be damaged
|
| Sub Product |
Medical debt
|
| Date Received |
2022-05-05
|
| Submitted Via |
Web
|
| Company Response |
Closed with explanation
|
| Consumer Disputed |
N/A
|
| Date Sent To Company |
2022-05-05
|
| Company Public Response |
Company has responded to the consumer and the CFPB and chooses not to provide a public response
|
| Complaint What Happened |
This is not a duplicate dispute To whom it may concern, I recently sent XXXX a disputed document requesting an investigation of inaccuracies appearing in my credit file. I received your response, and the following inaccuracies remain on my credit report : # 1 PlusFour , Inc. / Account Number Unknown / Date Assigned XX/XX/XXXX / Balance Owed {$250.00} Once again, I am notifying you that these items are not reported correctly for the reasons listed below, and I am asking you to reinvestigate them : 1. The account shown above are duplicate collection accounts that were illegally put on my XXXX and XXXX reports. Both XXXX and XXXX have removed the PlusFour account due to their fraudulent & illegal actions.. Multiple collection accounts for one assumed debt is an illegal reporting practice and so is falsifying addresses.
2. The account shown above has different balance owed amount from other submissions on the XXXX and XXXX accounts, which clearly proves inaccuracies in PlusFour , Inc.s illegal reporting practices.
3. The account reported above are not my debit, and I have no knowledge of it.
4. The address listed on the account is a XXXX store in XXXX XXXX, which is not a legal home address. This inaccuracy once again proves PlusFour, Inc.s illegal reporting practices.
According to the Fair Credit Reporting Act, Section 607, you must ensure maximum accuracy of the information contained in my credit report.
Please respond promptly. I prefer that we both avoid the pursuit of my rights under 15 USC Sections 1681n and 1681o, which require your compliance with the law.
Name : XXXX XXXX XXXX SS : XXXX DOB : XX/XX/XXXX Let me know if you need any additional information to verify my identity and remove this account.
Thank you for your time and attention to this matter.
Sincerely, XXXX XXXX
|
| Consumer Consent Provided |
Consent provided
|
|
|
2743098
|
2017-11-30
|
Attempts to collect debt not owed
|
Debt collection
|
|
| Issue |
Attempts to collect debt not owed
|
| Timely |
No
|
| Company |
PlusFour, Inc
|
| Product |
Debt collection
|
| Sub Issue |
Debt was already discharged in bankruptcy and is no longer owed
|
| Sub Product |
Medical debt
|
| Date Received |
2017-11-30
|
| Submitted Via |
Web
|
| Company Response |
Closed with explanation
|
| Consumer Disputed |
N/A
|
| Date Sent To Company |
2017-11-30
|
| Company Public Response |
Company has responded to the consumer and the CFPB and chooses not to provide a public response
|
| Consumer Consent Provided |
Consent not provided
|
|
