|
5744631
|
2022-07-06
|
Threatened to contact someone or share information improperly
|
Debt collection
|
|
| Issue |
Threatened to contact someone or share information improperly
|
| Timely |
Yes
|
| Company |
DRB-40, LLC
|
| Product |
Debt collection
|
| Sub Issue |
Talked to a third-party about your debt
|
| Sub Product |
Payday loan debt
|
| Date Received |
2022-07-06
|
| Submitted Via |
Web
|
| Company Response |
Closed with explanation
|
| Consumer Disputed |
N/A
|
| Date Sent To Company |
2022-07-06
|
| Company Public Response |
Company has responded to the consumer and the CFPB and chooses not to provide a public response
|
| Complaint What Happened |
Harassed my family members, My mother and father to be specific. When I called them they did not ask me to verify who I was, they gave me my own DOB and asked if that was correct. They could have given out my DOB to anybody who called in since they didn't ask me to verify it. I asked for documentation to be given to me and told me they were not in a rush to send it because I was not interested in paying them. Threatened me with damaging my credit report if this was not paid.
|
| Consumer Consent Provided |
Consent provided
|
|
|
10987464
|
2024-12-01
|
Communication tactics
|
Debt collection
|
|
| Issue |
Communication tactics
|
| Timely |
Yes
|
| Company |
DRB-40, LLC
|
| Product |
Debt collection
|
| Sub Issue |
Called before 8am or after 9pm
|
| Sub Product |
Auto debt
|
| Date Received |
2024-12-01
|
| Submitted Via |
Web
|
| Company Response |
Closed with explanation
|
| Consumer Disputed |
N/A
|
| Date Sent To Company |
2024-12-01
|
| Complaint What Happened |
XX/XX/scrub>XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Repeated phone calls XX/XX/scrub>XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Repeated phone calls
|
| Consumer Consent Provided |
Consent provided
|
|
|
8376560
|
2024-02-20
|
Communication tactics
|
Debt collection
|
|
| Issue |
Communication tactics
|
| Timely |
Yes
|
| Company |
DRB-40, LLC
|
| Product |
Debt collection
|
| Sub Issue |
Frequent or repeated calls
|
| Sub Product |
Payday loan debt
|
| Date Received |
2024-02-20
|
| Submitted Via |
Web
|
| Company Response |
Closed with explanation
|
| Consumer Disputed |
N/A
|
| Date Sent To Company |
2024-02-20
|
| Company Public Response |
Company believes it acted appropriately as authorized by contract or law
|
| Complaint What Happened |
Theyre calling relatives to collect debt.
|
| Consumer Consent Provided |
Consent provided
|
|
|
9697799
|
2024-08-03
|
Improper use of your report
|
Credit reporting or other personal consumer reports
|
|
| Issue |
Improper use of your report
|
| Timely |
Yes
|
| Company |
DRB-40, LLC
|
| Product |
Credit reporting or other personal consumer reports
|
| Sub Issue |
Reporting company used your report improperly
|
| Sub Product |
Credit reporting
|
| Date Received |
2024-08-03
|
| Submitted Via |
Web
|
| Company Response |
Closed with explanation
|
| Consumer Disputed |
N/A
|
| Date Sent To Company |
2024-08-03
|
| Complaint What Happened |
I am writing to formally request validation of the debt referenced in your recent communication. As per my rights under the Fair Debt Collection Practices Act ( FDCPA ), I am requesting that you provide the following information : 1. Proof of the Debt : Detailed records that substantiate the debt. Please note that statements alone are not sufficient evidence of a debt. As established in XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, statements are not considered adequate proof.
2. Proof of Ownership : Documentation that you have the legal right to collect this debt, including any assignment or transfer of the debt from the original creditor.
3. Original Creditor Information : The name and address of the original creditor, as well as any documentation showing the original amount of the debt and any payments made after the initial amount.
4. Agreement with Signature : A copy of any agreement bearing my signature that indicates I agreed to the debt, the amount owed, and the terms under which the debt was incurred.
Additionally, this letter serves as a formal cease and desist notice. I request that you cease all communication with me regarding this debt, effective immediately. This includes, but is not limited to, phone calls, letters, emails, and any other form of direct or indirect contact. For clarification, this cease and desist order also extends to any reporting of this debt to consumer reporting agencies. You are required to delete any information related to this debt from my consumer reports.
Failure to comply with this request will leave me no choice but to pursue legal action for harassment and abuse under the FDCPA. Below is an itemized list of potential costs that Diversified Recovery Bureau may incur if this matter proceeds to litigation : - **Filing Fees** : {$400.00} - **Service of Process** : {$150.00} - **Attorney Fees** : {$350.00} per hour ( estimated 20 hours ) = {$7000.00} - **Court Costs** : {$500.00} - **Damages for Harassment and Emotional Distress** : {$10000.00} - **Other Related Expenses** : {$1000.00} **Total Estimated Cost to Diversified Recovery Bureau in Litigation** : {$19000.00} I expect a prompt response within 30 days, confirming the deletion of the inaccurate information from my consumer reports or providing the requested validation of the debt. Please send all correspondence regarding this matter to the address provided above.
Thank you for your immediate attention to this matter.
Sincerely, XXXX XXXX
|
| Consumer Consent Provided |
Consent provided
|
|
|
4612018
|
2021-08-07
|
Threatened to contact someone or share information improperly
|
Debt collection
|
|
| Issue |
Threatened to contact someone or share information improperly
|
| Timely |
Yes
|
| Company |
DRB-40, LLC
|
| Product |
Debt collection
|
| Sub Issue |
Talked to a third-party about your debt
|
| Sub Product |
Other debt
|
| Date Received |
2021-08-07
|
| Submitted Via |
Web
|
| Company Response |
Closed with explanation
|
| Consumer Disputed |
N/A
|
| Date Sent To Company |
2021-08-07
|
| Company Public Response |
Company has responded to the consumer and the CFPB and chooses not to provide a public response
|
| Complaint What Happened |
Diversified recovery bureau continues to call family members around the country asking for me. There number is XXXX
|
| Consumer Consent Provided |
Consent provided
|
|
|
4767418
|
2021-09-30
|
Threatened to contact someone or share information improperly
|
Debt collection
|
|
| Tags |
Servicemember
|
| Issue |
Threatened to contact someone or share information improperly
|
| Timely |
Yes
|
| Company |
DRB-40, LLC
|
| Product |
Debt collection
|
| Sub Issue |
Contacted your employer
|
| Sub Product |
Payday loan debt
|
| Date Received |
2021-09-30
|
| Submitted Via |
Web
|
| Company Response |
Closed with explanation
|
| Consumer Disputed |
N/A
|
| Date Sent To Company |
2021-09-30
|
| Consumer Consent Provided |
Consent not provided
|
|
|
7330847
|
2023-07-31
|
Attempts to collect debt not owed
|
Debt collection
|
|
| Issue |
Attempts to collect debt not owed
|
| Timely |
Yes
|
| Company |
DRB-40, LLC
|
| Product |
Debt collection
|
| Sub Issue |
Debt was result of identity theft
|
| Sub Product |
Other debt
|
| Date Received |
2023-07-31
|
| Submitted Via |
Web
|
| Company Response |
Closed with explanation
|
| Consumer Disputed |
N/A
|
| Date Sent To Company |
2023-07-31
|
| Company Public Response |
Company believes it acted appropriately as authorized by contract or law
|
| Complaint What Happened |
I have been contacted twice by 2 different Debt Collection agencies requesting I pay {$280.00} associated with a hot check written to " XXXX XXXX '' ( now " XXXX XXXX XXXX XXXX. '' ) account # XXXX. This check was written against a XXXX XXXX bank using my name. I have never banked with XXXX XXXX. This imposter allegedly also used my SSN according to the Debt Collection agency, which is Diversified Recovery Bureau LLC. According to the Debt Collection agency, this imposter also used this email address " XXXX '' with their transaction -- which is not an email account I have ever owned in my name or used. Furthermore, this imposter worked at a construction company ( can't recall the name they provided ) which I have also never worked at.
This is not my debt and I refuse to pay the debt of someone using my name and SSN.
My understanding is this transaction took place sometime in 2014. The first time I am hearing of this matter was by being contacted by the 2 collection agencies.
I have responded to both companies ( via phone when contacted ) confirming this is not my transaction and that I would be reporting this as fraud. I have email correspondence from the most recent discussions with Diversified Recovery to document the above, as well as attached herein.
|
| Consumer Consent Provided |
Consent provided
|
|
|
2910391
|
2018-05-17
|
False statements or representation
|
Debt collection
|
|
| Issue |
False statements or representation
|
| Timely |
Yes
|
| Company |
DRB-40, LLC
|
| Product |
Debt collection
|
| Sub Issue |
Attempted to collect wrong amount
|
| Sub Product |
I do not know
|
| Date Received |
2018-05-17
|
| Submitted Via |
Web
|
| Company Response |
Closed with explanation
|
| Consumer Disputed |
N/A
|
| Date Sent To Company |
2018-05-22
|
| Company Public Response |
Company believes it acted appropriately as authorized by contract or law
|
| Consumer Consent Provided |
Consent not provided
|
|
|
8923096
|
2024-05-04
|
Confusing or missing disclosures
|
Debt or credit management
|
|
| Issue |
Confusing or missing disclosures
|
| Timely |
Yes
|
| Company |
DRB-40, LLC
|
| Product |
Debt or credit management
|
| Sub Product |
Debt settlement
|
| Date Received |
2024-05-04
|
| Submitted Via |
Web
|
| Company Response |
Closed with explanation
|
| Consumer Disputed |
N/A
|
| Date Sent To Company |
2024-05-04
|
| Company Public Response |
Company believes it acted appropriately as authorized by contract or law
|
| Consumer Consent Provided |
Consent not provided
|
|
|
12741389
|
2025-03-31
|
Electronic communications
|
Debt collection
|
|
| Issue |
Electronic communications
|
| Timely |
Yes
|
| Company |
DRB-40, LLC
|
| Product |
Debt collection
|
| Sub Issue |
Frequent or repeated messages
|
| Sub Product |
Credit card debt
|
| Date Received |
2025-03-31
|
| Submitted Via |
Web
|
| Company Response |
Closed with explanation
|
| Consumer Disputed |
N/A
|
| Date Sent To Company |
2025-03-31
|
|
