Issue
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Cont'd attempts collect debt not owed
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Several months ago I started receiving letter from cbe group stating I owed a debt and they are trying to recover the debt. I called and explain that 's not my debt and inform them to stop sending letter or contacting me. Since then I have continuous received letters over and over again. Basic harassment of a debt that does n't belong no to me.
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Managing, opening, or closing account
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I have funds in my Paypal account. Suddenly, Paypal limited my account and I am no longer able to access my own funds.
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Taking/threatening an illegal action
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This man name XXXX XXXX from Springer Collection has been calling me back to back everyday since XX/XX/XXXX about a bill I owe back in XX/XX/XXXX which I do not remember. I told him i will try to get a loan to pay the {$2600.00} but I didnt get one. He call 4 times a day or more he talked to my boyfriend in told him that if i knew better i would get back to him, i owe this money.
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Cont'd attempts collect debt not owed
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Continuous letters requesting payment of debt not owned by me.
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Improper contact or sharing of info
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Financial Corporation of America has been calling my hospital trying to contact myself and I am an XXXX. My understanding is they are not allowed to try to contact you based on XXXX if they know your employer prohibits the consumer from receiving such communication. I am unable to leave patient rooms to speak with them when they call to tell them to stop calling.
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Incorrect information on your report
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I have filed XX/XX/XXXX,XX/XX/XXXX,XX/XX/XXXX to XXXX, XXXX & Equifax to have XXXX XXXX removed off my credit report alone with the address XXXX XXXX XXXX XXXX La XXXX which is inaccurate, there is fraud alerts placed on each bureau still no changes & it 's affecting me. Can you please investigate and have this removed from all three credit bureaus.
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Transaction issue
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Disputed a duplicate charge on my Capital One credit card. After receiving acknowledgement and a credit from them, the charge was later debited to my account with a follow-up letter telling to work it out with the merchant and that the case was closed.
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Incorrect information on credit report
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I am disputing all hard inquires on my credit report because this is fraud and does not belong to me.
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False statements or representation
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XXXX XXXX calling neighbors that I do n't know and informing them that they are FBI and to contact the immediately about a debt I have. I noticed other complaints online from that name/number, that they are Direct Recovery ServicesXXXX XXXX XXXX, XXXX, NY XXXX ( XXXX ) XXXX
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Struggling to pay mortgage
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XXXX XXXX Deed in Lieu documents were signed and notarized. The lender sold the loan shortly after to the current lender. The documents were misplaced in the process of transfer. The current company communicated to me on XXXX XXXX, XXXX, that the documents were being recorded. Today, the company tells me they need an updated appraisal.
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Incorrect information on credit report
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I have a report from Experian. It was sent after I was declined credit. There are many errors as my husband left me and some items are his. I received the report after XXXX XXXX, 2015. It is within a year. I sent a dispute to Experian never heard back or got a credit score. The information is incorrect and I would like to dispute it. I have the complete report. I would have to mail you a copy. There are incorrect dates that should be deleted from the report.
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Charged fees or interest you didn't expect
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This company interest rate is very high on a XXXX dollar loan the rates is 675.88 % and fees every two weeks is XXXX and one payment miss it goes up to XXXX dollars iam like what thats not right and plus they using different loans id to debit my account and the force me to close my account because they said that they was n't legal and i need to contact the commissioner of ga.
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Problem with a credit reporting company's investigation into an existing problem
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XXXX and Experian are reporting the exact same student loan history as XXXX. These loans have never been late and have always been paid on time or in deferrment. XXXX continues to sporadically report late payments in XX/XX/XXXXand XXXX. They receive the same information as XXXX and they are the only ones reporting it correctly.
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Improper use of your report
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My name is XXXX XXXX XXXX, last four of ss # is XXXX dob XXXX In viewing a recent copy of my credit report there are several inquiries that I do not recognize nor do I have a credit account, or any type of account with the company making the inquiry. Please assist me with removing them : XXXX XXXX XXXX XXXX XXXX Credit Plus XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Credit Plus XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Credit Plus XXXX XXXX XXXX XXXX Card
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Charged fees or interest I didn't expect
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APPLIED FOR PAYDAY LOAN FROM WHITE HILLS CASH AND XXXX BOTH COMPANIES HAVE CHARGED OUTRAGIOUS INTEREST RATES. UNABLE TO PAY THESE.
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Incorrect information on credit report
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The NYS Department of Education has XXXX loans on my credit report. XXXX of the loans are correct and are mine but then the XXXX is for {$13000.00} and I never took out a student loan for {$13000.00}. And the XXXX loans I did receive were dismissed by the loan forgiveness program. The student loan for {$13000.00} is not mine and is on my credit report!
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Written notification about debt
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I have no idea what this is for, I have tried to request validation and nothing. I did not go to the doctors in XXXX XXXX . This is inaccurate information listed from this company Commonwealth Financial {$170.00}
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Fees or interest
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I have an obscene interest rate that I have on a XXXX credit card. Ive been paying down {$3400.00} for 10 years and its still maxed out. I pay {$100.00} a month.
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Disclosure verification of debt
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I recently reviewed my credit report which had a new Debt Collection from Focus Receivables Management. It was listed as a XXXX past due balance. Prior to seeing this entry, I have received no communication from Focus Receivables Management. Had I received a letter I could have requested a validation of debt since it was already paid to the original creditor.
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Other
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american express closed accounts with balances on them accounts XXXX XXXX XXXX XXXX on the illegal interference XXXX XXXX XXXX i think not part of my estate part of trust nominee account and on a business account through XXXX a nominee account for a trust ***************** XXXX XXXX and other evolving numbers as they kept being stolen
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Billing disputes
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I contacted Synchrony Bank because I found out they charged me over {$200.00} in late fees when I paid my account ahead of time each and every month. So I am being charged for paying on the XXXX of the month instead of the XXXX. They only waived a couple of fees. I want the {$160.00} in late fees waived. This is outrageous. I have been a good customer and do not deserve this type of treatment. My acct # XXXX has to be refunded the {$160.00} immediately.
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Incorrect information on credit report
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XXXX XXXX XXXX, Pa XXXX XXXX Account # XXXX No contract or no signature
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Cont'd attempts collect debt not owed
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The following collection company Coast to Coast Financial XXXX XXXX XXXX XXXX XXXXAccount number XXXXplaced a account on my credit report without ever contacting me in any form.
I have written this company asking for documentation several times regarding this account and have never received a response from them.
They are violating my rights under the FCRA
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Cont'd attempts collect debt not owed
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This debtor continues to make up to XXXX phone calls a day at work and to my " emergency contacts '' to collect a debt that payments continue to be made on. They will call up to every two hours to work continuing to harass not only myself but my place of business.
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Incorrect information on credit report
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Experian is reporting a collection account on my credit file from XXXX in the amount of {$1200.00}. The account was disputed in 2014 directly with the collection agency and it was deleted ( in 2014 ) this account is now being re-reported on my credit file. As i said previously in the 1st dispute this account is not mine, and i have no knowledge of it. I was never given a DV and i would like this account deleted from my credit file again and for good.
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Incorrect information on credit report
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Hard pull on my credit report by XXXX on the XX/XX/2016 Transunion recommends contacting : XXXX XXXX, Tennessee, XXXX I did not Authorize this credit pull Concerned it may be fraud XXXX ca n't reference without a account number
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Managing the loan or lease
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I have a personal loan with One Main financial for {$4500.00} and my payment is {$140.00} monthly or {$71.00} bimonthly. Since XXXX/XXXX/2015 I 've made XXXX payments {$71.00} and my balance is still {$4500.00}. This has happen in the past with my loan.
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Incorrect information on your report
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Today, XXXX XXXX, 2017, I contacted all three credit reporting agencies ; XXXX, XXXX, TransUnion. Only one, XXXX, provided a credit report. It had multiple errors, or which I filed a dispute. Both XXXX and TransUnion could not provide any information because they could not verify my identity. I am quite sure they have multiple errors, also. When I accessed the information on the XXXX breach, it appears my information has been compromised too!
XXXX XXXX
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Managing the loan or lease
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Bought XXXX cars through Ally financial..payments made are not credited to the proper account or are missing completely. Attempts to rectify this are met with hang ups, or dead end emails and faxes. No one seems to want to actually be responsible.Only XXXX payments made have actually appeared on the correct account. Multiple phone calls lead no where.
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Account opening, closing, or management
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i attempted to obtain a small XXXX loan through my bank (bank of america), however i was not allowed to fill out an application because i did not make $XXXX a year.
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Cont'd attempts collect debt not owed
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Debt was incurred on a credit card that was not ordered by me and occurred in a place where I was not. I was going to college in Arizona. XXXX credit management also notified me past the statute of limitations.
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Problem with a credit reporting company's investigation into an existing problem
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Experian send out disputing results with a statement of items have been updated but you can see the problem right away.
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Cont'd attempts collect debt not owed
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Midland Credit Mangement is continuing to illegal report debt that I am disputing. I have sent certified mail on XXXX occasions stating send me proof of debt the last being XXXX. They continue to state they are not processing my request which is illegal of them. If they do not remove these debts will be bringing suit to them shortly.
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Attempts to collect debt not owed
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After checking my credit report, I noticed XXXX XXXX has resubmitted an account that was removed from my credit report due to identity theft.
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Written notification about debt
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XXXX XXXX XXXX XXXX XXXX opened date is XXXX this item I 'm not aware of was just given to King Credit Services ad ded XXXX then given to XXXX and sent to XXXX XXXX
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Communication tactics
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This number calls me at least 4 times a day.
They usually hang up. So I, called back and requested information on this debt. He hung up once i asked.
I called back and asked they stop calling me. It was around XXXX XXXX. He told me pay your debt and was very nasty. Yelling cursing and carrying on.
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Other
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Have stated to Capital One numerous times that in XXXX of 2016 they had issues with their website not to mention that I had an incorrect address on file. My payment was not accepted and they then reported on my credit report that I was 30 days past due though they refunded my fees because of this. Every single time I call I get XXXX and I am not sure they even understand what I am asking. This is my last resort to report them to remove this information from my credit report.
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Problem with a credit reporting company's investigation into an existing problem
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Equifax mishandled my information which has led to a breach that puts myself and millions of others at potential risk. I am extremely disappointed with how equifax has handled reporting this breach. Very little was done to notify the public for nearly a month after the breach was detected. I received no email, letter, or phone call and instead had to discover it via social media.
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Communication tactics
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Sallie Mae continues to call me every hour on the hour for an account 30 days past due.
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Problem with a credit reporting company's investigation into an existing problem
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Account XXXX XXXX XXXX Account # XXXX opened XX/XX/2008 is being reported as a adverse account with a past due status the account is now current and is in good standing with no balance due.
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Incorrect information on credit report
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Trans Union and XXXX are reporting an account with TXU that does not belong to me. I never have had nor do I currently have an account with TXU. Credit bureaus account numbers are XXXX and XXXX
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Loan servicing, payments, escrow account
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Freedom Mortgage has falsely reported me as later on my payments which auto deduct. This dreadful mess appears to be almost corrected ; however, the balance of my loan should be {$100000.00} after XX/XX/2016 payments. The XXXX shows a balance of XXXX. I would like this corrected and XXXX showing the correct balance sent to me so that I can file my taxes.
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Written notification about debt
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Portfolio Recovery has repeatedly called and sent invoices for balances that are not my responsibility. I have sent detailed letters giving them 30 days to send me information VALIDATING the accounts and they failed to do so. They simply respond with the previously sent invoice stating the accounts have been verified.
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Closing an account
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Bremer Bank, XXXX, WI had safety deposit box for my mother, closed it and sent back 2 keys, 3 years ago but they keep charging me.
Couldn't open a bank acct here because of it.
Thrtough my mothers probate through a court they asked for debts for 60 days and no one filed claims yet I'm not allowed to open my own bank acct now.
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Cont'd attempts collect debt not owed
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I CALLED MY INSURANCE COMPANY, XXXX, AND THEY INFORMED ME THE DEBT WAS PAID AND I WAS NOT RESPONSIBLE FOR DEBT THE COLLECTION AGENCY IS CALLING ME FOR.
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Taking/threatening an illegal action
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Threatened to sue me as well and filed motion in court. Opened credit card XX/XX/2007. Immediate annual fee of {$150.00}. Spent only {$170.00} total during 3 month period. Never purchased again after XX/XX/2007. Made payments totaling {$2000.00} and they 're claiming I owe more.
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Attempts to collect debt not owed
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disputed debt from debt collector ( Perfection collection) and XXXX XXXX. sent letters to debt collectors on XXXX XXXX, 2017 asking for validation of debt. have not received any response back. I do not and have never had a contract with perfection collection or XXXX XXXX. the debt is not mine and its unverifiable. please delete and remove from all three credit bureau reports.
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Incorrect information on your report
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I was a victim of Identity Theft and filed a full police report regarding the Identity Theft and the impact of the negative items on my credit report that do not belong to me. I filed a formal letter to Equifax reporting the Identity Theft along with a copy of the Police Report and asked them to remove the items listed on my credit report that do not belong to me as they were from the ID theft and Equifax has refused to remove these items after 3 months.
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Incorrect information on credit report
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To whom it may concern, Experian had previously deleted all the items off of my credit report due to identity and some company in violation of the fair credit report act. However, since has reinserted back on my credit report without any notifications.
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Other
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I have a XXXX, Wells Fargo App barely works, I submitted a payment thru the app that was never posted after everything I received {$37.00} late fee and a {$70.00} interest charged. I called on XXXX/XXXX/17 and they assigned me a executive because I said that I was going to file a formal complaint because. After this they told me to wait until they can help waived this for so I made a payment on the XXXX
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Struggling to pay your loan
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I took out a car loan for XXXX with Ally financial in 2011. They have withheld account information to me, lied about my payment plans, used extortion and bullying to squeeze exorbitant amounts of cash well over what I originally agreed too. I have put over 30,000 dollars in this car and they are still harassing me.
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Managing the loan or lease
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Citbank just took over for Brooks Brothers credit. When they switched to this new bank, payments made the same day did not post. Next, I began receiving 3-4 " robo '' calls a day ( and night ) from Citi asking for payment ( and it was n't even 30 days past payment date- even though I paid and they never posted the check ). The volume of calls was ridiculous and unwarranted.
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Loan modification,collection,foreclosure
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Bank attorney is giving me the run around in court in an attempt to foreclose on the property instead of working with me to complete a short sale. I have qualified buyers who want the property.
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Improper use of your report
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My information was compromised in the data breach reported today XXXX/XXXX/2017. The data security at Equifax should have been much more secure, and the executives selling stock before releasing this information to the public seems to me like blatant insider trading.
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Received a loan I didn't apply for
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I received a letter in the mail from a debt collector stating I owed for a loan that I never applied for.
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Cont'd attempts collect debt not owed
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I had XXXX XXXX Credit Card, which i was disputed as unauthorized charges due to ID theft. XXXX XXXX closed my account after investigation and sold to Midland Credit Management in the amount of XXXX, Midland Credit Management is trying to get money from me which i did n't owe.
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Taking/threatening an illegal action
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Debt collector has already placed notice of suit on file without contacting me. I have been informed it is a matter of public record as of XXXX XXXX.
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Improper use of your report
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XXXX XXXX XXXX XXXX XXXX, XXXX, MD XXXX Phone : ( XXXX ) XXXX This company checked my credit on XXXX XXXX 2016, when I had not filed for credit or changed any credit. This lowered my score.
It is like talking to the wall when you call them.
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Billing disputes
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Account number : XXXX I was shocked when I reviewed my credit report and found late payment on the dates below : 30 days past due XXXX, XXXX I am not sure how this happened, I believe that I had made my payments to you when I received my statements. My only thought is that my monthly statement did not get to me.
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Incorrect information on credit report
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there are incorrect addresses on my credit report I have never lived and want to be removed
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False statements or representation
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Collection notice from Enhanced Recovery Company , LLC, ( Mailing address XXXX, FL XXXX ) asking for unpaid balance {$150.00} to XXXX. I have automatic payment with XXXX, and do n't have any outstanding balance.
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Communication tactics
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On XX/XX/XXXX, Midland contacted me even though I have told them prior I owe no money. The first person did not identify himself at all. He just said my name, and I said yes, who is this? He then said I had a phone call and transferred me to someone else who again did not identify themselves for over a minute as being a debt collector.
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Cont'd attempts collect debt not owed
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I Have proof that the debt was sitteled and full I paid via there collection XXXX party but they will not remove/update to show this debt paid in full. I settled this debt in good fait and attached documentation to this fact. my emails and not answered.
The settlement via there XXXX party total card services was $ XXXX was paid
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Identity theft / Fraud / Embezzlement
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Someone fraudulent open a credit card in my name with US BANK
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Threatened to contact someone or share information improperly
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This company is attempting to collect a debt for a fraudulent claim from XXXX. The buyer purchased an item, damaged the item, and then attempted to return for a full refund.
The refund was not paid, and the debt is invalid. This collector has called and mailed letters after receiving a letter via certified mail that the debt is not valid, with a request to no longer contact.
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Cont'd attempts collect debt not owed
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This debt collection agency ( Fox Collection Center ) reported a person with similar name on my credit file report, then filed a collection on my credit report changing the debt to my address although another address appears on the debt.
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Incorrect information on your report
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There are many mistakes appear in my report without my understanding.
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Cont'd attempts collect debt not owed
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Noticed this collection showed up on my credit report end of XXXX. It 's not mine and is a part of my ID theft case. They refuse to remove this. PLease help. Thank you
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Incorrect information on credit report
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Many unauthorized inquires were disputed. Inquiries were removed but were recently reinserted on my credit report negatively affecting my credit score. I have called transunion and fought to have inquiries removed. Transunion will not delete inquiries even though they were unauthorized by me.
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Cont'd attempts collect debt not owed
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I continued to be called incessantly and at all hours by various representatives of " Synergetic Communication, Inc '' with a " Settlement Offer '' of {$410.00} on a " Current Balance '' of {$740.00} with XXXX. I do NOT owe XXXX, " Synergetic Communication, Inc '' nor anyone connected with either firm ANYTHING!
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Incorrect information on your report
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There was a XXXX XXXX XXXX Student Loan which I took out on X/XX/2013, which was paid in full.
Status : Paid in Full Owner : XXXX XXXX. XXXX XXXX.
Grantor : XXXX XXXX XXXX XXXX : XXXX XXXX XXXX XXXX This account which is paid in full and closed is incorrectly reported as Delinquent and 120 days late through Equifax.
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Dealing with your lender or servicer
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This has been going on since XX/XX/XXXX . The loan just keeps getting larger and larger. I was set up with a 20 year repayment plan. That on XX/XX/XXXX w as told by nelnet servicer that it has started again. I still have 20 years to repay a fraudulent loan and it 's at XXXX now. This is abvously a scam I do n't intend to pay and rightfully should not. I 'm tired of the harassment and billing. I do n't trust the school or the servicers.
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Problem with a credit reporting company's investigation into an existing problem
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Equifax mishandled my information which has led to a breach that puts myself and millions of others at potential risk. I am extremely disappointed with how equifax has handled reporting this breach. Very little was done to notify the public for nearly a month after the breach was detected. I received no email, letter, or phone call and instead had to discover it via social media.
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Unable to get credit report/credit score
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I have XXXX different credit scores with Experian Credit Reporting Agency. I recently signed up for one of their credit monitoring products and they gave me my FICO score of XXXX but when I went to apply for a mortgage they stated that my Experian credit score was less than XXXX how could that be.My score should be XXXX score rather good or bad based on a consistent industry standard system.
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Loan modification,collection,foreclosure
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I am requesting that Caliber validates this debt by providing a copy of the written instrument, endorsed, front and back, not a copy of an Assignment that was never ( as of today, XXXX XXXX, 2016 ) recorded in land records. This is my THIRD request to Caliber to validate this debt.
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Fraud or scam
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On XXXX XXXX, 2017, I submitted a transfer for {$200.00} to be picked up at a Western Union location. In XXXX, Michigan. I called Western Union to complain about the scam and receive a fraud case number and refund and they would not return the refund because The money was no longer in their possession
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Incorrect information on credit report
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I have XXXX student loans that were transferred from XXXX XXXX to XXXX and they are XXXX double reporting late payments. So I have late payments showing up for the closed XXXX XXXX accounts that were transferred to XXXX and then XXXX is reporting the same late payments on my credit as well. So the same late payments are being reported twice from the old account owner and the new account owner.
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Written notification about debt
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XXXX sent a letter stating I owed {$600.00} to XXXX XXXX XXXX for service date X/X/17. It was not my correct first name. XXXX instead of XXXX. My middle name however is XXXX. I have never used that health vendor either.
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Incorrect information on credit report
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This is another medical bill for {$20.00} that is wrongly on my report because I have full coverage and have paid all co- pays in office. There is no information on my Equifax report pertaining to the creditors or account information and it was removed from XXXX for these reasons.
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Taking out the loan or lease
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I took out a debt consolidation loan for XXXX and was charged an exorbitant fee of XXXX for, what they call, an origination fee which was not reasonably disclosed in the agreement.
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Problems caused by my funds being low
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XX/XX/2015 I open a bank account at arvest bank in XXXX, oklahoma I feel that I was over charge for overdraft fees. The bank also told what amount I had in my bank account to a pastor who claim that I belong to his church and I only visit this persons church one time. I feel that arvest bank had no right to treat me like that.
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Incorrect information on credit report
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I have an unauthorized inquiry from XXXX XXXX on my equifax credit report that I would like deleted.
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Incorrect information on credit report
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XXXX has reported negative information to my files at XXXX, XXXX, and Equifax. The information involves a collection action by XXXX XXXX XXXX that involves a delinquent account owned by someone else and has nothing to do with me. XXXX and their collections agent has mistakenly associated the delinquent account with my credit identity.
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Incorrect information on your report
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I visited XXXX XXXX XXXX & got a loan through XXXX for a vehicle in XXXX. In XXXX XXXX I totaled the vehicle & my insurance company paid out XXXX. This is currently showing on my credit as being reported late with a XXXX balance.
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Loan servicing, payments, escrow account
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Loan servicer is Bayview. I 've been in my home for 12 yeasts, & Bayview has been the servicer for several of those years. I have had a modification done, but my loan balance is just as much as it was when I purchased the loan. When they received the loan, the balance was almost {$10000.00} less than it is today. The interest rate is still 3.00 %.
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Managing the loan or lease
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I was shocked when I reviewed my credit report and found late payment on the dates below : 30 days past due as of XXXX I am not sure how this happened, I believe that I had made my payments to you when I received my statements. My only thought is that my monthly statement did not get to me or the payments were misapplied.
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Incorrect information on credit report
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I can not get in touch with a human to express my problem. Out of frustration I am filing a complaint about the XXXX credit reporting agencies. I have several creditors showing up as bad debt and they have been closed for over 7 years. This situation is really messing me up at repairing my credit.
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Account opening, closing, or management
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I requested that my checking and savings accounts at a previous bank ( Suntrust ) be closed. At the time of the request, they were both in good standing with XXXX balance.
My savings account was closed, but my checking account was not. Additional charges were posted to the account a week after the account should have been closed. Because of this, the account is now delinquent, and I can not close the account.
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Using a debit or ATM card
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I have filed separate complaints over {$38.00} fees charged for insufficient funds. Now M & T is charging multiple fees for just XXXX order. I made XXXX order from XXXX. The order is processed as shipped so there may be XXXX or XXXX debit charges for XXXX purchase depending on how many box 's. How can M & T charge multiple times for just XXXX purchase? This theft of my funds.
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Incorrect information on credit report
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incorrect info on my report
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Dealing with my lender or servicer
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I attended XXXX XXXX University XXXX XXXX XXXX, NJ XXXX for XXXX school and the only lender that you were allowed to borrow from was XXXX XXXX, now Navient. Since repayment started in 2007, I have paid {$31000.00} of which {$5700.00} has been applied to the principal. That means {$25000.00} or 81 % of my payments has gone to interest. At this rate, I will never be out from under this debt.
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Incorrect information on credit report
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XXXX XXXX XXXX is reporting erroneous information on my Equifax credit report. I have a charge-off that was reported in XXXX 2008. This debt has expired according to the statute of limitations. In addition, XXXX XXXX XXXX has posted INVALID CHARGES. The invoice was coded incorrectly. Please remove this trade line from my credit report.
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Incorrect information on your report
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I am a victim of identity theft and have been a victim of identity theft for quite some time. I have a fraudulent and unauthorized credit inquiry listed on my Equifax and XXXX credit report that do n't belong to me. The following credit inquiry is fraudulent and unauthorized : XXXX XXXX, XXXX/XXXX/2017
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Cont'd attempts collect debt not owed
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Transworld Systems has contacted me numerous times despite my telling their staff that I paid this debt directly to the doctors office and it is paid in full. There is no debt to collect, however they continue calling and sending letters.
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Incorrect information on your report
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XXXX XXXX-2012 Not my account Fraud account identity theft
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Managing the loan or lease
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I have had this AVANT account since XX/XX/XXXX. The terms have changed several times and out of XXXX paid, only XXXX has beeb paid towards interest.
I made a settlement with AVANT and paid it XX/XX/XXXX. i paid {$500.00} to settle the account. I received a settlement confirmation and close of account letter from AVANT. I am still receiving statements and bills from AVANT.
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Managing an account
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I am having trouble with Zions Bank not approving direct deposit from my current employer into my checking account. It shows that my employer tried to deposit my check but was only allowed to deposit XXXX. Its very frustrating to sign up for something and it not go through.
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Other
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Even though I have been making frequent on time payments, American Express has significantly lower my credit score over XXXX points. I did not know that I had a charge card and had to pay off the entire amount every month. I never knew or had that understood to me. I made consistent payments but they considerably damaged my credit score. I think this practice is deceptive.
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Incorrect information on your report
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XXXX yrs of payments not showing in XXXX report vs XXXX
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Dealing with my lender or servicer
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Transworld XXXX is servicing a debt collection for XXXX XXXX. They did not post the correct amount owed on my credit report for over 36 months, even as I was paying them hundreds of dollars a month to pay down my balance. I have never authorized them to call my office and have expressly denied allowing them to call my work number and yet they wo n't stop calling my office line, which may threaten my employment.
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