|
11738399
|
2025-01-25
|
Written notification about debt
|
Debt collection
|
|
| Issue |
Written notification about debt
|
| Timely |
Yes
|
| Company |
Diaz & Associates, Inc.
|
| Product |
Debt collection
|
| Sub Issue |
Didn't receive notice of right to dispute
|
| Sub Product |
I do not know
|
| Date Received |
2025-01-25
|
| Submitted Via |
Web
|
| Company Response |
Closed with explanation
|
| Consumer Disputed |
N/A
|
| Date Sent To Company |
2025-01-25
|
|
|
1719711
|
2015-12-29
|
Problems when you are unable to pay
|
Consumer Loan
|
|
| Tags |
Older American
|
| Issue |
Problems when you are unable to pay
|
| Timely |
Yes
|
| Company |
Diaz & Associates, Inc.
|
| Product |
Consumer Loan
|
| Sub Product |
Installment loan
|
| Date Received |
2015-12-29
|
| Submitted Via |
Web
|
| Company Response |
Closed with explanation
|
| Consumer Disputed |
No
|
| Date Sent To Company |
2016-01-04
|
| Complaint What Happened |
In XXXX I owned a one person, one XXXX company and a XXXX business. Business was good and so was my credit. In late XXXX XXXX work started slowing down and so did my XXXX that are workforce occupied. In XXXX things got worse and then worse yet on XXXX and XXXX. Because of my good credit I had several credit cards with high limits, thinking the slowdown was temporary, my credit card balances got higher and higher until they were shut off and not being able to pay were defaulted.
In XXXX work started to pick back up and I began settling accounts until I had paid off or settled every account that had contacted me. In XXXX I had partnered with some people to buy some vacant land and was elected XXXX XXXX XXXX, " XXXX XXXX XXXX. '' The bank that the company had an account with sent a " sign and use '' credit card that was also defaulted in early XXXX because the window of opportunity for the development of XXXX had closed on the owners. I lost {$32000.00} in the vacant land deal.
In XXXX of XXXX I received a call from a person who said he represented a collection agency that had purchased a bundle of old accounts and realized that the one for XXXX was about to pass the statutory limit for prosecution. He stated that because it was so close a law suit would be filed the next morning, but that he had convinced the company to allow him to reach out to me to try to settle the account. He stated that with a signed agreement he would be able to work out an agreement that included deep discounts to the total balance. I asked for time to consider this but he stated that he was leaving the office in ten minutes and the suit could only be stopped if I signed and faxed an agreement that he had e-mailed me. Because I did not want a suit filed against me I signed the agreement and faxed it back.
Almost immediately I began to suspect I had been conned. With just a little research I determined that this account had been in default for almost 6 years. The law in FL requires a legal attempt to collect on this kind of contract within 5 years. I did not make any payments required by the agreement that I signed because I was lied to. In XXXX XXXX I was filed on and responded to the court with the the above information. In XXXX XXXX there was a hearing and because I had not answered the suit in affidavit form, it was if I had provided no answer at all. The judge stated that she felt she should continue this case to allow the correct format but the plaintiff 's attorney argued vociferously that his client deserved a judgement. The judge informed that I should have been more careful, that I should appeal this ruling and then gave the plaintiff a summary judgement. I contacted an attorney to appeal this judgement and his bill is already up to {$6000.00}. In the suit the plaintiff states he bought a group of accounts, that this was XXXX of, with " with no knowledge of their validity. '' I was lied and conned and then sued based on the lie and because of not responding in affidavit form now have a judgement against me and have had checking accounts garnished.
|
| Consumer Consent Provided |
Consent provided
|
|
|
4377976
|
2021-05-14
|
Attempts to collect debt not owed
|
Debt collection
|
|
| Tags |
Servicemember
|
| Issue |
Attempts to collect debt not owed
|
| Timely |
Yes
|
| Company |
Diaz & Associates, Inc.
|
| Product |
Debt collection
|
| Sub Issue |
Debt is not yours
|
| Sub Product |
Credit card debt
|
| Date Received |
2021-05-14
|
| Submitted Via |
Phone
|
| Company Response |
Closed with explanation
|
| Consumer Disputed |
N/A
|
| Date Sent To Company |
2021-05-14
|
| Consumer Consent Provided |
N/A
|
|
|
3305886
|
2019-07-14
|
Written notification about debt
|
Debt collection
|
|
| Issue |
Written notification about debt
|
| Timely |
Yes
|
| Company |
Diaz & Associates, Inc.
|
| Product |
Debt collection
|
| Sub Issue |
Didn't receive enough information to verify debt
|
| Sub Product |
I do not know
|
| Date Received |
2019-07-14
|
| Submitted Via |
Web
|
| Company Response |
Closed with explanation
|
| Consumer Disputed |
N/A
|
| Date Sent To Company |
2019-07-14
|
| Complaint What Happened |
DIAZ AND ASSOCIATES XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX Has placed a collection debt on my credit reports in XX/XX/2019 without first notifying me. I was aware of the debt and it being on my credit reports. The collection agency is also attempting to collect a debt which has expired under the 5 year Florida statue of limitation Laws. It has failed to provide debt verification and its authority right to collect debt.
Collection agency has failed to adhere to the Fair Debt Collection Practices Act.
|
| Consumer Consent Provided |
Consent provided
|
|
|
1537287
|
2015-08-26
|
Cont'd attempts collect debt not owed
|
Debt collection
|
|
| Issue |
Cont'd attempts collect debt not owed
|
| Timely |
Yes
|
| Company |
Diaz & Associates, Inc.
|
| Product |
Debt collection
|
| Sub Issue |
Debt is not mine
|
| Sub Product |
I do not know
|
| Date Received |
2015-08-26
|
| Submitted Via |
Web
|
| Company Response |
Closed with explanation
|
| Consumer Disputed |
Yes
|
| Date Sent To Company |
2015-08-26
|
| Consumer Consent Provided |
Consent not provided
|
|
|
3021834
|
2018-09-17
|
Written notification about debt
|
Debt collection
|
|
| Issue |
Written notification about debt
|
| Timely |
Yes
|
| Company |
Diaz & Associates, Inc.
|
| Product |
Debt collection
|
| Sub Issue |
Didn't receive enough information to verify debt
|
| Sub Product |
I do not know
|
| Date Received |
2018-09-17
|
| Submitted Via |
Web
|
| Company Response |
Closed with explanation
|
| Consumer Disputed |
N/A
|
| Date Sent To Company |
2018-09-24
|
| Complaint What Happened |
Called this company DIAZ AND ASSOCIATES XXXX XXXX XXXX. XXXX XXXX XXXX, CA XXXX about a debt that was owed to another company known as XXXX XXXX XXXX. I ask for verification of debt but was getting the run around I told them if they can not verify this debt to please remove this debt from my credit report. But apparently it is still appearing on my credit report
|
| Consumer Consent Provided |
Consent provided
|
|
|
2797201
|
2018-01-30
|
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 |
Diaz & Associates, Inc.
|
| Product |
Credit reporting, credit repair services, or other personal consumer reports
|
| Sub Issue |
Was not notified of investigation status or results
|
| Sub Product |
Credit reporting
|
| Date Received |
2018-01-30
|
| Submitted Via |
Web
|
| Company Response |
Closed with explanation
|
| Consumer Disputed |
N/A
|
| Date Sent To Company |
2018-01-30
|
| Complaint What Happened |
I filed a complaint with XXXX through the XXXX website and received confirmation that the complaint had been accepted. Upon contacting XXXX directly, they advised that I would not be allowed access to my credit report for 30-45 days pending the investigation of the dispute. Additionally, because I had not verified information through their website, I would not be able to obtain status of this dispute until after it was resolved, again back to 30-45 days. Of course, none of these warnings were given to me prior to filing the dispute. Despite accepting the dispute from XXXX, they would not take additional disputes from me until the original dispute single item was resolved which could take 30-45 days thought there are multiple inaccuracies on my credit report, which they still provide to 3rd parties.
The entire complaint starts information being reported to the credit bureau as the result of a XXXX XXXX XXXXDiaz and Associate Loan which was included in a XX/XX/17 settlement with the State of Oklahoma in which the debt was to be forgiven and negative information removed from the credit bureaus. Despite this and numerous settlements in multiple states and federal courts regarding these loans, all three credit bureaus continue to perpetuate the fraud by allowing collection agencies to report this information. As a consumer who has already been the victim of predatory lending as deemed by several Attorneys General and Federal Court Action, I now fight a system in which collections agency information is accepted as fact, with no due diligence on the accuracy or legality of the information by the bureaus who report it or the collection agencies who own it. The collection agency in question Diaz and Associate, obtained the debt 6 months after the settlement and despite easily accessible public information regarding the settlements, still tries to collect it, even today when I was calling to find out why it had not been removed.
Meanwhile, the credit reporting agencies take no responsibility for the legality or accuracy of the information being given to them. The collections agencies take no responsibility for knowing anything about the debt the buy en masse and there are no consequence and its up to individual consumers to do all the leg work. It feels that the entire systems is set up as a FRAUD against consumers. Guilty until you prove yourself innocent.
All the while, new processes are put in place to protect these agencies and allow them to perpetuate information the factual inaccurate information on lengthy times that are not acceptable in the digital age. All parties seem to have and excuse not to do anything, while consumers are denied credit or fight lengthy battles on artificial timelines through convoluted process just to correct information that should be there to begin with.
Frankly, I could commit a crime and the constitution protects me from double jeopardy yet we routinely allow credit reporting agencies to impose double jeopardy in Charge Off accounts with subsequent collections accounts ( sometimes in multiples ) as the debt is sold and resold. While I am not a Constitutional Lawyer, our founding fathers probably didn't foresee our digitally enabled world, they were onto something with the Fifth Amendment. We allow this credit reporting oligopoly to collude solely for their own benefit with no consequences. Yet we wonder why Americans question if the system is rigged against them - it is!
Believe it or not, there is even more to the story. I give up!!!
|
| Consumer Consent Provided |
Consent provided
|
|
|
1135167
|
2014-11-28
|
Communication tactics
|
Debt collection
|
|
| Issue |
Communication tactics
|
| Timely |
Yes
|
| Company |
Diaz & Associates, Inc.
|
| Product |
Debt collection
|
| Sub Issue |
Frequent or repeated calls
|
| Sub Product |
I do not know
|
| Date Received |
2014-11-28
|
| Submitted Via |
Web
|
| Company Response |
Closed with explanation
|
| Consumer Disputed |
No
|
| Date Sent To Company |
2014-12-04
|
| Consumer Consent Provided |
N/A
|
|
|
5977786
|
2022-09-13
|
Attempts to collect debt not owed
|
Debt collection
|
|
| Issue |
Attempts to collect debt not owed
|
| Timely |
Yes
|
| Company |
Diaz & Associates, Inc.
|
| Product |
Debt collection
|
| Sub Issue |
Debt is not yours
|
| Sub Product |
I do not know
|
| Date Received |
2022-09-13
|
| Submitted Via |
Web
|
| Company Response |
Closed with explanation
|
| Consumer Disputed |
N/A
|
| Date Sent To Company |
2022-10-05
|
| Complaint What Happened |
On XX/XX/2020 The company Diaz and associates opened a collection account on my credit report for XXXX and XXXX in the amount of XXXX. They reported the original creditor as XXXX XXXX XXXX the amount due is XXXX I have never had an original account with XXXX XXXX XXXX, I have never received any information regarding this debt from the original Creditor nor have I received any information from Diaz and Associates. The credit reporting is completely fraud, and is effecting my ability to find housing. On XX/XX/XXXX, I began the dispute process with XXXX and XXXX. Please investigate this companies practices.
|
| Consumer Consent Provided |
Consent provided
|
|
|
4861160
|
2021-10-31
|
Attempts to collect debt not owed
|
Debt collection
|
|
| Issue |
Attempts to collect debt not owed
|
| Timely |
Yes
|
| Company |
Diaz & Associates, Inc.
|
| Product |
Debt collection
|
| Sub Issue |
Debt is not yours
|
| Sub Product |
I do not know
|
| Date Received |
2021-10-31
|
| Submitted Via |
Web
|
| Company Response |
Closed with explanation
|
| Consumer Disputed |
N/A
|
| Date Sent To Company |
2021-10-31
|
| Complaint What Happened |
Received letter stating debt owed and in collection with a threat of if payment is not made immediately debt collection process will proceed.
Confirmed with my bank per supposed account and debt, they have confirmed no such account # or any amount is owed.
|
| Consumer Consent Provided |
Consent provided
|
|
