|
2770511
|
2018-01-03
|
Written notification about debt
|
Debt collection
|
|
| Issue |
Written notification about debt
|
| Timely |
Yes
|
| Company |
Federal Pacific Credit Company, LLC
|
| Product |
Debt collection
|
| Sub Issue |
Didn't receive enough information to verify debt
|
| Sub Product |
Medical debt
|
| Date Received |
2018-01-03
|
| Submitted Via |
Web
|
| Company Response |
Closed with explanation
|
| Consumer Disputed |
N/A
|
| Date Sent To Company |
2018-01-04
|
| Complaint What Happened |
On XXXX XXXX, XXXX, I received a letter for an attempt to collect a debt from Federal Pacific Credit Company. I also looked to see if they were licensed in my state, which they are n't.
Actually, their license is expired as of XXXX/XXXX/XXXX license number XXXX effective XXXX/XXXX/XXXX.
|
| Consumer Consent Provided |
Consent provided
|
|
|
1157149
|
2014-12-15
|
Cont'd attempts collect debt not owed
|
Debt collection
|
|
| Issue |
Cont'd attempts collect debt not owed
|
| Timely |
No
|
| Company |
Federal Pacific Credit Company, LLC
|
| Product |
Debt collection
|
| Sub Issue |
Debt is not mine
|
| Sub Product |
I do not know
|
| Date Received |
2014-12-15
|
| Submitted Via |
Web
|
| Company Response |
Closed
|
| Consumer Disputed |
No
|
| Date Sent To Company |
2014-12-15
|
| Consumer Consent Provided |
N/A
|
|
|
1450385
|
2015-07-02
|
Taking out the loan or lease
|
Consumer Loan
|
|
| Issue |
Taking out the loan or lease
|
| Timely |
Yes
|
| Company |
Federal Pacific Credit Company, LLC
|
| Product |
Consumer Loan
|
| Sub Product |
Vehicle loan
|
| Date Received |
2015-07-02
|
| Submitted Via |
Web
|
| Company Response |
Closed
|
| Consumer Disputed |
No
|
| Date Sent To Company |
2015-07-08
|
| Complaint What Happened |
I was applying for credit and was denied I received my free credit report and found that I had a collection from federal pacific for XXXX dollars original creditor lists XXXX. I have never had a car loan from this company. Also I disputed this same claim on XXXX and it has been deleted I was unaware you had to a claim to each agency. Your help on this mater would be greatly appreciated as my family is looking to purchase a home ... .I have filed a dispute with XXXX the number is XXXX
|
| Consumer Consent Provided |
Consent provided
|
|
|
2767528
|
2017-12-29
|
Improper use of your report
|
Credit reporting, credit repair services, or other personal consumer reports
|
|
| Issue |
Improper use of your report
|
| Timely |
Yes
|
| Company |
Federal Pacific Credit Company, LLC
|
| Product |
Credit reporting, credit repair services, or other personal consumer reports
|
| Sub Issue |
Reporting company used your report improperly
|
| Sub Product |
Credit reporting
|
| Date Received |
2017-12-29
|
| Submitted Via |
Web
|
| Company Response |
Closed with explanation
|
| Consumer Disputed |
N/A
|
| Date Sent To Company |
2017-12-29
|
| Complaint What Happened |
Their license is expired in XXXX XXXX XXXX, Utah and they 're not licensed in the State of Florida.
License Type : Consumer Collection Agency Status : Expired Status Effective Date : XXXX/XXXX/XXXX Original Date of License : XXXX/XXXX/XXXX License Number : XXXX License Expiration Date : XXXX/XXXX/XXXX
|
| Consumer Consent Provided |
Consent provided
|
|
|
2987397
|
2018-08-09
|
Written notification about debt
|
Debt collection
|
|
| Issue |
Written notification about debt
|
| Timely |
Yes
|
| Company |
Federal Pacific Credit Company, LLC
|
| Product |
Debt collection
|
| Sub Issue |
Didn't receive enough information to verify debt
|
| Sub Product |
Credit card debt
|
| Date Received |
2018-08-09
|
| Submitted Via |
Web
|
| Company Response |
Closed with explanation
|
| Consumer Disputed |
N/A
|
| Date Sent To Company |
2018-08-13
|
| Company Public Response |
Company believes the complaint is the result of a misunderstanding
|
| Consumer Consent Provided |
Consent not provided
|
|
|
2285048
|
2017-01-12
|
Communication tactics
|
Debt collection
|
|
| Issue |
Communication tactics
|
| Timely |
Yes
|
| Company |
Federal Pacific Credit Company, LLC
|
| Product |
Debt collection
|
| Sub Issue |
Frequent or repeated calls
|
| Sub Product |
Credit card
|
| Date Received |
2017-01-12
|
| Submitted Via |
Web
|
| Company Response |
Closed with explanation
|
| Consumer Disputed |
No
|
| Date Sent To Company |
2017-01-12
|
| Complaint What Happened |
Law office has called several times in an attempt to collect a debt. A family member tells me that their spouse has also received more than 1 call, which I believe is illegal, regarding this matter. On XX/XX/2017, I returned their call and requested verification of the debt. I received a letter, on law firm letterhead, regarding my request on XX/XX/2017. Before I could send a letter to cease and desist communication, they called me again today and left a message. Their letter claims that they represent Federal Pacific Credit Company, who also happens to have the same address as the law firm. Are they a law firm or a collection agency? I have never entered into any financial contract with either of these companies, therefore I do not owe them anything. The original creditor they mention, XXXX, and associated account has exceeded the SOL in the state of Florida. They can not file suit against me, nor can they report to a credit reporting agency.
|
| Consumer Consent Provided |
Consent provided
|
|
|
1826105
|
2016-03-10
|
False statements or representation
|
Debt collection
|
|
| Issue |
False statements or representation
|
| Timely |
No
|
| Company |
Federal Pacific Credit Company, LLC
|
| Product |
Debt collection
|
| Sub Issue |
Impersonated an attorney or official
|
| Sub Product |
I do not know
|
| Date Received |
2016-03-10
|
| Submitted Via |
Web
|
| Company Response |
Closed with explanation
|
| Consumer Disputed |
Yes
|
| Date Sent To Company |
2016-04-15
|
| Complaint What Happened |
I received a debt collection letter from a law firm. The original creditor name and client name is unfamiliar to me. My credit reports do not indicate any fraudulent activity nor any accounts on default. Attempts to identify and contact both original creditor and client were unsuccessful. The creditor has a telephone number that does not exist and the client 's address and telephone number are the same as the law firm 's. When I contacted the law firm, before I could provide them with any information contained in the letter, they already knew who the client was listed on the letter.
|
| Consumer Consent Provided |
Consent provided
|
|
|
1304481
|
2015-03-27
|
Disclosure verification of debt
|
Debt collection
|
|
| Issue |
Disclosure verification of debt
|
| Timely |
No
|
| Company |
Federal Pacific Credit Company, LLC
|
| Product |
Debt collection
|
| Sub Issue |
Not given enough info to verify debt
|
| Sub Product |
I do not know
|
| Date Received |
2015-03-27
|
| Submitted Via |
Web
|
| Company Response |
Closed
|
| Consumer Disputed |
No
|
| Date Sent To Company |
2015-03-27
|
| Complaint What Happened |
I found out from the credit reporting bureaus XXXX, XXXX and XXXX that there was a negative account under " Federal Pacific Credit LLC '' under account number XXXX. Federal Pacific Credit has failed to provide any legal validation or a dunning letter in accordance with the Fair Debt Collection Practices Act. I am seeking proof that this debt is mine and will require a copy of the original contract under which the credit account was obtained, as well as monthly statements since the debt was purchased. The company often refresh this account on my report. Balance of this unknown account his XXXX in last 6 months. Also company is reporting multiple 120 day late payments to further affect my credit score. I have sent several letters, including notarized formal validation letters seeking this verification and to this date Federal Pacific Credit has failed to provide the information requested. Or even responded. They also us multiple mailing address for their company were they do n't sign for mail. Multiple returned letters. I have called the company to get mailing address from them directly and still my mail gets returned. Federal Pacific Credit is clearly in violation of the Fair Debt Collection Practices Act and I will seek legal action against this company for the practices if the issue is n't resolved immediately. Federal Pacific Credit has not provided the undersigned with any evidence to substantiate its claims that this debt is a legitimate debt. Further, there has been neither proof that Federal Pacific Credit has permission to collect this debt, nor have they provided previous verification of this debt. Finally, I have received no information that Federal Pacific Credit currently possesses any documents of this debt. Since this company has failed to provide any evidence of the claims made in their response, I am led to believe that neither Federal Pacific Credit possesses adequate documentation to collect this alleged debt. In order to provide proof that this is a legitimate debt of over 7 years and they have the right to collect this debt.
|
| Consumer Consent Provided |
Consent provided
|
|
|
2470352
|
2017-04-28
|
Attempts to collect debt not owed
|
Debt collection
|
|
| Tags |
Servicemember
|
| Issue |
Attempts to collect debt not owed
|
| Timely |
Yes
|
| Company |
Federal Pacific Credit Company, LLC
|
| Product |
Debt collection
|
| Sub Issue |
Debt is not yours
|
| Sub Product |
I do not know
|
| Date Received |
2017-04-28
|
| Submitted Via |
Web
|
| Company Response |
Closed with explanation
|
| Consumer Disputed |
N/A
|
| Date Sent To Company |
2017-04-28
|
| Complaint What Happened |
I obtained my credit report and discovered multiple errors with accounts from Federal Pacific Credit Company stating I owe {$590.00} and {$690.00}. I sent a certified letter to the company asking for VERIFICATION but the company did not provid e any documentation to me. Neither did XXXX , XXXX , and XXXX disputed these bogus accounts. There is no account numbers associated with these accounts.
|
| Consumer Consent Provided |
Consent provided
|
|
|
2332213
|
2017-02-07
|
Communication tactics
|
Debt collection
|
|
| Issue |
Communication tactics
|
| Timely |
No
|
| Company |
Federal Pacific Credit Company, LLC
|
| Product |
Debt collection
|
| Sub Issue |
Frequent or repeated calls
|
| Sub Product |
I do not know
|
| Date Received |
2017-02-07
|
| Submitted Via |
Web
|
| Company Response |
Closed with explanation
|
| Consumer Disputed |
No
|
| Date Sent To Company |
2017-03-15
|
| Consumer Consent Provided |
Consent not provided
|
|
