Issue
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Problem caused by your funds being low
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Wells Fargo Bank Account Fraud. Each month Wells Fargo took funds from my CHECKING ACCOUNT, until it was no funds. When I notice, I stop making deposits to my account. Each month Wells Fargo remove funds from my account, large amounts. I 'm not sure if that account still their.
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Incorrect information on your report
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I tried contacting XXXX on XX/XX/XXXX via correspondence USPS tracking number XXXX. The late payment dates for XX/XX/XXXXto XX/XX/XXXX ; XX/XX/XXXX to XX/XX/XXXX is incorrect, I was currently attending school full-time at XXXX University. Qualified for In school deferment. Loans was not placed in deferment status.
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Improper use of your report
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There has been a hard inquires that I did not authorize and they refuse to validate the applications and remove if no application for credit is verified.
XXXX Date Filed XX/XX/2017 Type Bank Credit Cards Phone Number ( XXXX ) XXXX Address XXXX XXXX XXXX
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Incorrect information on credit report
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I have never lived at the XXXX XXXX XXXX XXXX address listed on my report. I was a victim of attempted fraud by a person using my name and SS number there. Luckily I was contacted by the merchant.
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Incorrect information on your report
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I have XXXX paying my credit cards and payemnts have been made ontime for the last year yet I have laste paymnets showing on several credit cards from XXXX thru XXXX. I have yet again been denied for a home loan because of this and am extremly frustrated.
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False statements or representation
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My credit report shows one amount and the collections say I owe another.
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Attempts to collect debt not owed
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Issue : Lab tests ordered by a doctor ( XXXX XXXX, XXXX XXXX at XXXX ) I did not even recognize nor have visited. I did not authorized the tests ordered.
Action taken : Called the debt collector and was advised to speak the doctor 's office directly. Then tried calling the clinic several times and was on hold for hours with no personnel helping me clarifying the situation.
Dates : various in XXXX 2017 Amount : XXXX
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Wrong amount charged or received
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When I am sending money from Western Union using Mobile application, they are giving different/lower rate, while when I send money from Westernunion.com website. It shows different rate.
I thought mobile app is only for purpose of making it easy as Western Union never mentioned about rate differential/reduction if we are transferring it via mobile app.
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Incorrect information on your report
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There is an address on my credit report that is not one of my addresses. It is a Nevada address. I have never lived in Nevada. However I did have credit cards that have been compromised that the address was in Nevada.
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Incorrect information on credit report
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TransUnion is reporting account number XXXX with XXXX that is an Authorized User account and is not mine. This account was never mine and should have never been on the report.
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Disclosure verification of debt
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I currently do not have any outstanding accounts. The debt collector 's name is XXXX XXXX XXXX XXXX XXXX XXXX. The only information provided about the creditor is : LVNV Funding LLC and the original creditor is XXXX ( XXXX ), XXXX XXXX. I have never had any creditor named like neither XXXX. When I called they said I should call XXXX XXXX or XXXX because it is an old account. I do not have any outstanding accounts with them either.
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Communication tactics
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They are calling me at least two times a week reguarding a medical bill that is very old from about XX/XX/2012 I told them I was covered by insurance I told them to take it up with my current insurance and they are not doing that they are keep calling me asking me to pay a bill
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Incorrect information on credit report
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My credit report is saying that I have XXXX accounts and I only have XXXX accounts opened and they say I have XXXX accounts opened. The report also says that I have XXXX derogatory remark and I do not know who it is from or how to fix the issue.
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Application, originator, mortgage broker
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Bank of America is requiring that I default on my loan for two months before they will consider a loan modification. XXXX of the reason I was denied in the past is because I have not missed payments on loan. At the present moment, I am getting assistance from someone else to help pay my loans so it does n't default. I do not feel it is fair to require a customer to default on their loan payments before they can be given a loan modification.
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Incorrect information on credit report
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I am a victim of identity theft and I have sent numerous police reports to Trans Union in regards to unauthorized and fraudulent accounts listed on my Trans Union credit report. The unauthorized accounts is still listed on my credit report. The following accounts are unauthorized, fraudulent and do not belong to me : XXXX, XXXX and XXXX
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Incorrect information on credit report
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I get some accounts on my credits reports with XXXX balance who was closed on XX/XX/XXXX and not going to be removed until XX/XX/XXXX. I want this account to show paid as agreed and be removed immediately. The name of the account is XXXX XXXX XXXX XXXX. The balance on this account is {$2000.00}.
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Communication tactics
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I was contacted under false pretenses by a courier who was coming to serve me and then given the number to request a stop order but XXXX people gave me inconsistent information and the debt they are claiming I owe is invalid.
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Closing/Cancelling account
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My wife had set up a monthly payment towards an account that was paid off. My wiffe had passed away Monthly credits continued to build up. Once i discovered this i sent in her death certificate. They refuse to close the account and send me the credit still on the account.
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Incorrect information on your report
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I have contacted the 3 credit bureaus about incorrect inaccurate information reporting on my reports and have gotten no resolution. I have asked several times to provide me with method of verification and I do not receive it. I have disputed Bankruptcy information on my report that they refuse to investigate or remove.
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Disclosure verification of debt
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I asked for verification of XXXX debts from them. Never got verification. Just a letter stating that it was frivolous and will not investigate. They just closed the accounts and charged it off on my credit. That tells me they have nothing to state i owe them. I never signed a contract with this company.
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Incorrect information on credit report
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Equifax lowered my credit score by XXXX points in seven days. I tried to contact Equifax but was sent on a wild goose XXXX for over an hour, with no answers.
No apparent change to my report. Other reporting agencies did not lower my score.
I have been working to raise my score for a mortgage and do not need their crazy reporting PLease help
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Problem with a credit reporting company's investigation into an existing problem
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XX/XX/XXXX amount XXXX , I was made a dispute at XX/XX/XXXX , cause I not recognize that credit card is my plus I never spend a lot money in one time in any credit card, account number XXXX , XXXX XXXX XXXX XXXX .
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Attempts to collect debt not owed
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This debt of {$400.00} was paid off i n 2016 through the original company ( XXXX XXXX XXXX ). I DO NOT HAVE ANY DEBT WITH THIS COMPANY ( EOS CCA ) NOR DO I HAVE ANY TYPE OF CONTRACT WITH THEM.
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Loan modification,collection,foreclosure
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Bank of America was supposed to credit my mortgage for the excessive amount Bank of America charged me for the Homeowners Insurance Policy as Bank of America placed Lender Placed Insurance which was inflated as the policy was issued by XXXX XXXX and XXXX XXXX both subsidiaries of Bank Of America. Attached is the court order to pay me for the excessive charges Bank of America has charged me.
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Incorrect information on credit report
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The following information on my credit report is fraudulent. I have no knowledge of these hard inquires on my report.
1. XXXX XXXX 2. XXXX 3. XXXX XXXX XXXX I will appreciate if these inquiries be remove from my credit report.
Thank you.
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Closing your account
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XXXX store card closed my account on XX/XX/XXXX so I was told from a representative .After making a purchase on XX/XX/XXXX for a roll of XXXX XXXX toilet paper. The account is current and not in default. I am paying on time but now it will affect my credit score by closing my account. The bank has other accounts under my name that in good standard and I do n't understand why they closed my account without a notice.
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Attempts to collect debt not owed
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Leave messages to find out why this is on my credit report and there is only a VM, no response back. This debt was paid and should not be on my credit report.
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Cont'd attempts collect debt not owed
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An outstanding bill from XXXX XXXX was sent to me in early XXXX - I was under the impression that XXXX had paid it. My employer intervened with XXXX to pay the bill, on my behalf to the XXXX clinic. The collections company is still trying to collect, although the bill was paid. In addition the collections agency hung up on my call, and was not reasonable during the call.
ACEI is the debt collections agency
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Account opening, closing, or management
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Went to XXXX to open up a checking account, was denied and told I was in XXXX. I requested my XXXX report and it was clear. Went to Chase bank to inquiry about old accounts and was told, they will not allow me to open an account with them due to claims. I asked did they report me to XXXX and was told no. I am not sure why I can not open a bank account with other banks. I currently have a checking account with XXXX XXXX XXXX.
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Improper contact or sharing of info
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This debt is owed by the other i payextra child support every month to not have XXXX XXXX XXXX on my health insurance and I am turned into collections regardless
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Billing disputes
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I am one of many affected by the PayPal Bill me later scandal in which it forced me to open a line of credit without my permission or consent. It forces you to think you are verifying your account rather than opening something new. I 'm curious how to receive compensation for this error and loss of time and finances. Hoping the consent order filed today is approved.
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Incorrect information on your report
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I had a discrepancy on my report 2 times by XXXX. I stated it was n't mine and it was removed both times. Now it has shown up for a third time on XX/XX/18 for around {$1300.00}.
This is not my debt but it keeps showing up after it 's been challenged and removed two times and has shown up for a third.
This has damaged my credit severely and I want it to stop.
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Incorrect information on credit report
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This would be the XXXX time that I have send out dispute letters to equifax with exact instruction to investigate my negative accounts and they have send back result telling me that they need more information about my dispute.
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Incorrect information on credit report
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There is a collection showing on my account from XXXX from XXXX. This seems to be new and did not appear on several credit reports that I pulled between XX/XX/XXXX. I believe this to be an error.
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Communication tactics
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Called me and said I owed on a payday loan and they were going to sue me and garnish my wages. I asked for the original loan agreement to be emailed to me and they said they could not all they could provide was a letter confirming a payment agreement after I gave them my atm card number.
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Dealing with my lender or servicer
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I took out loans for a large sum to put XXXX children through college. Total loan amount was just under {$200000.00}. One day after paying on the loans for over a year, I noticed the balance at {$200000.00} and when I called they said that I was late on XXXX or XXXX payments. I challenged that fact and they said it was only a couple days each time, but it caused my interest rate to go up .25 % from the inception of the loan.
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Unsolicited issuance of credit card
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I received an unsolicited credit card from Synchrony Financial for " XXXX XXXX '. I do n't know of any financial connection to either company.
I opted out of all prescreened credit card offers as recently as 2013. Therefore I believe XXXX or XXXX companies are violating the law.
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Communication tactics
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Calls 3 times a day, repeatedly twice and then once about 4 hours later. I already have the number blocked even though the first time I answered I told them I do n't have any outstanding debts to anyone ( only to my credit card, but then that would be them calling em instead of some scammer based out of Washington. )
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Managing an account
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hsbc checking XXXX denies customer printed checks. why? never got checks.
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Cont'd attempts collect debt not owed
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I never owed this company nor did I sign anything for them to try to collect this debt. This company XXXX is reporting a debt that another company has reported thus doubling the amount that is being reported on my credit report causing it to drop my score and create financial hardship.
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Incorrect information on your report
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There is an incorrect address on my equifax account.
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Unable to get credit report/credit score
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i applied for a car loan and was denied for a report from equifax.i tried using the website but it was unable to deliver the file online so it wanted to transfer me to an agent which instead promptly hung up i tried this auto system 3 times and all were terminated by its auto service.no where does not give you an option for a real person.
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Received a loan I didn't apply for
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I 've been getting letters from loan places. I got a loan once, and ever since I 've been receiving letters saying I owe I payed so I figure it was paid for but I keep getting letters saying their was a new loan that was n't me
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Loan modification,collection,foreclosure
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Attempting to modification. Submitted paperwork. trying to get Nationstar on phone is impossible. Every attempt to transfer to any area has the call dropped. It is as if they are purposely avoiding to work with customers.
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Attempts to collect debt not owed
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On XX/XX/XXXX 2017, I called syndicated office systems to payoff all medical bills. One was for a {$100.00}, then another one for {$90.00}. But when I told her about the one for {$80.00} she told me she had no record of it, and if I wo n't it off my credit report I must Dispute it. I ca n't dispute it without a account number, and ca n't pay it. Because it 's not on there system.
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Loan modification,collection,foreclosure
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Since my first complain in XXXX XXXX, NationStar Mortgage is asking for documents after documents. I have provide all documents they asked for but still they 're telling me that my file is under review for modification, anytime I call them.
Please note even I have foreclosure sale date scheduled for this coming XXXX XXXX XXXX, they are still declining to postpone the foreclosure sale date.
Please help me, I do n't want to lose my house, Sincerely,
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Disclosure verification of debt
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Received a writ of execution Goods, Chattels, and Real Estate. This does not belong to me, its my sons. Received 1st notice from Midland funding ans asked them to confirm which XXXX this belonged to they never responded. Now i get this.
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Incorrect information on your report
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On XXXX XXXX XXXXXXXX AND XXXX XXXX WAS REMOVED FROM MY CREDIT REPORT. NOW AS OF XXXX/XXXX/2017, THEY WERE PUT BACK WITHOUT NOTICE FROM EQUIFAX
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Improper contact or sharing of info
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I was contacted several times by this agency, while i was at work even do i asked not to because it was compromising my job.
I already know that this company used this unique way toward other people to get their process done.
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Improper use of your report
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Equifax was recently breached and as a concerned individual I believe Equifax is in complete responsibility in order anything happens to me financially.
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Closing/Cancelling account
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I want to keep my Chase Amazon credit card open and in use. I 'm still using it to pay all of my major financial bills. I do n't want or have the time to make the changes to another account or credit company. Please help me ; my bike are going to be due soon and it will be difficult for me to switch new cards and accounts. Thank you.
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Fraud or scam
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I sent {$2200.00} dollars to XXXX XXXX of XXXX Missouri for a car that was supposed to be delivered to me within XXXX days. I never received my product. Therefore, i got scammed.
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Communication tactics
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Allied Interstate, Inc. contacts our business multiple times every day in reference to a worker 's personal debt despite being advised over and over that this is a business and our workers are not allowed to take personal phone calls on business lines. These tactics include calling the direct lines of every employee which are listed on our website. The calls usually total more than 10 per day.
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Incorrect information on your report
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XXXX XXXX XXXX claims that I have a charge off credit card in an unknown, unidentified amount. Disputed multiple times, they say they are verified without sending me validation of original paperwork with my signature in wet ink.
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Improper use of your report
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XXXX XXXX ran a credit check on me without my consent. XXXX XXXX 2017
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Disclosure verification of debt
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On XX/XX/2017 I checked my XXXX Credit report and this company out of nowhere appeared on my credit report from Conserve. Who ever this company is they did not send me any letter of this debt, which they violated my rights to dispute any debt that is in my name. I have never seen nor heard of this company until I got an alert of an collections on my credit report. This company violated my rights.
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Cont'd attempts collect debt not owed
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This is my XXXX case against this group - repeated attempts to reach them and the debtor are never successful. I keep getting collection letters about a debt that was paid over a year ago.
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Adding money
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I loaded money to my account and the funds never appeared.
The money was withdrawn from my American Express prepaid credit card, but never credited to my account.
I 've opened XXXX disputes with XXXX, but they are not responding. It has been over 90 days and I 've called numerous times.
I have all documentation. It shows the load on XXXX, and the corresponding copy of my statement, which shows that the load did not take place.
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Incorrect information on your report
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I filed a chapter XXXX bankruptcy in XXXX I was not advised that this would not be able to be discharged after completion, I got a new job and decided I could pay the bills that were on this bk so I had it dismissed I sent the information to the credit bureaus transunion and XXXX refused to remove it, I feel that this should be removed as I was not informed of the discharge status and I dismissed it and paid the creditors.
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Cont'd attempts collect debt not owed
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I have deragatory marks on my credit report that I am disputing because they are false. The amount of debt they are claiming I owe is {$1100.00} I have paid and continued to pay the direct physicians office on these bills that have since been reported on my credit. I am NOT DELINQUENT. I have contacted them directly to get assistance in having this lifted off my credit report and I never am contacted back, and was hung up on when I explained the error.
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False statements or representation
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XXXX collection agencies ( each saying they represent XXXX ) contacted me on the same date regarding the exact same account. XXXX by phone, the other by letter. Does the FDCP Act allow that? How am I supposed to know who to deal with? I dispute the charges to begin with. Is it my burden to dispute the matter with XXXX collection agencies? What if I settle with XXXX and the other keeps hounding me?
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Identity theft / Fraud / Embezzlement
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I am a victim of identity theft. Someone stole and used my personal information to open up a credit card account with Bank of America. The account is unauthorized and fraudulent. I have never applied for a credit card account with Bank of America.
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Disclosure verification of debt
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Porfolio Recovery Associates have been harassing me via my cell phone. I 've sent certified mail with signature requesting VARIFICATION and have n't received anything in return. I have also disputed this through all three credit bureaus and they 've all writing back saying this account has been verified without any back-up document.
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Incorrect information on credit report
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There is a collections account on my Equifax credit report that contains incorrect information. I am disputing the XXXX XXXX XXXX ( " XXXX '' ) collections account on my credit report as it contains incorrect information. XXXX has illegally reported incorrect information on my credit report in retaliation for filing a complaint agains them. The XXXX collections account on my credit report needs to be removed immediately as it is incorrect.
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Incorrect information on your report
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There is a CHASE SLATE credit card opened by someone else under my name which i believe my identity was stolen while i traveling abroad.
Chase Contact Information XXXX XXXX XXXX XXXX, DE XXXX ( XXXX ) XXXX
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Unable to get credit report/credit score
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I recently switched my cell carrier to XXXX. I was told I would have to pay for the phone up front and use autopay because they could not get my credit score from Equifax. I requested and received a copy of my credit report from Equifax which clearly shows a hard inquiry from XXXX. I have written them twice but only received a copy of my credit report ( which I clearly stated I already had ) plus generic form letters which did not address my issue.
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Incorrect information on your report
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XXXX XXXX reported the account closed and unused to ChexSytems since XXXX 2014 yet ChexSystems continues to report an overdrafted balance and an unclosed account from XXXX of 2014 and is stopping my ability to open a credit union account and pay my landlord rent.
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Communication tactics
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Someone claiming to be XXXX XXXX continues to call my job after I told them I do not have any outstanding debt, to stop calling me at work and to mail me whatever information they have against me.
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False statements or representation
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MIDLAND IS ATTEMPTING TO COLLECT ON THE ACCOUNT THAT IS TOO OLD TO BE ON FILE IT HAS BEEN 7+ YEARS SINCE FIRST DATE OF DEFAULT AND IT HAS EXCEEDED STATUTE OF LIMITATIONS. AND MIDLAND HAVE FAILED TO VALIDATE AND PROOF TO ME THE ACCURACY OR VALIDITY OF THE ACCOUNT
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Attempts to collect debt not owed
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getting multiple calls a day from XXXX. Claims to be Target credit card debt collection, but asks for my bank account number. They are relentless in calling and online it seems that tons of people are being called as well. I am worried someone naive may give them their information.
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Incorrect information on your report
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Creditor Information XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX ( XXXX ) XXXX the are reporting on all of the CRA 's that I was once late. I have never been late. Please have them provide solid proof or remove it from all 3.
Worst payment status 30-59 Days Late Times 30/60/90 days late
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Took or threatened to take negative or legal action
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disputed false information reported on my XXXX credit file, agency verified item as placed by XXXX XXXX XXXX . this company placed false info on my file, made up a {$50.00} debt in an attempt to damage my credit. they never sent me a notice just put false info on credit file. i have no medical debt. as a veteran i use va, XXXX and have supplemental insurance to cover all. this must be removed.
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Improper contact or sharing of info
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JP Recovery Services contacted my XXXX XXXX XXXX in laws my husbands employer my XXXX sister and my daughter regarding a debt with a local hospital that I had a payment plan with - their unethical practices including telling my I laws and my husband employer that they were going to show up with documents - when I tried to contact them they refused to give their company name and at a second attempt I was put on hold and then sent to voice mail
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Loan servicing, payments, escrow account
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mortgage co. foreclosed on our home without any knowledge to usi have tried to find justice before, only to receive spread sheets from mortgage coco. instead of directing the issue, that we were mislead and deceived. we could n't fight fight what we could n't see coming.. is there justice for us? I have a letter and documents attached.
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Incorrect information on your report
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XXXX XXXX keeps showing late pays although the information is not verified and they do not show the correct information.
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Improper use of your report
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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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Written notification about debt
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CBSA,XXXX Original Creditor XXXX XXXX Open Date XX/XX/2014 Balance {$2500.00} Debt {$2500.00} I called them to let them know that I didn't owe that. I was told by the realtor that I didn't have to pay at fees to break my lease cause my neighbor gave me bedbugs. I have a XXXX son who couldn't afford to get bit because he is high risk ...
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Problem with a credit reporting company's investigation into an existing problem
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I asked that the credit reporting bearu verify the errors reported on my credit report and send me the results with all original documents supporting their findings per section 609 of the FCRA, I havent received any documentation and still theyre reporting numerous thats causing hardship in obtaining housing, credit, and employment.
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Cont'd attempts collect debt not owed
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Upon applying for a credit card I found that I was denied for a deliquent account. I looked up my annual credit report and found the supposed debt. The debt is absolutely not mine and I in no way opened the account listed. It is completely fraudulent.
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Unable to get credit report/credit score
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With Eqifax only i have a problem receiving my free annual credit report.
When i contact Eqifax they reply by stating they have nothing to do with the website annual credit report.com and can not explain why i cant receive my annual credit report.
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Deposits and withdrawals
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There was an unauthorized check withdrawal transaction on my personal checking account XXXX/XXXX/15, XXXX. Unauthorized funds released. All my transactions have been returned unpaid and no communication from the Wells Fargo bank.
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Improper contact or sharing of info
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I have repeated asked them not to call me at work. I fell behind on my bills when I lost my job and just started a new job and they keep calling my boss and asking for me after she told them every since time that I can not have calls at work. I do n't want to lose my job then I really cant pay them anything
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Incorrect information on credit report
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There are a bunch of items that are past the statue of limitations listed, these items were disputed and still listed and a bunch of duplication 's.
XXXX four total, XXXX XXXX four total, an account through XXXX XXXX. Please help as this agency is not complying
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Loan servicing, payments, escrow account
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We recently sent Di-Tech Mortgage company over XXXX dollars.They are coming by our house and constantly harassing us.They have even stooped so low to tel the young gentlemen that cuts our grass that we owe them money.We pay every month and they constantly state that we are late.
what do I need to do to bring charges against this company?
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Communication tactics
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Called at XXXX. Also calls 6-8 times per day from different numbers
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Incorrect information on credit report
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XXXX has been reporting XXXX bankruptcies that do not belong to me. I keep on disputing and these credit reporting companies responded with verify and validated which is not true. I went to XXXX Bankrupty Court in person to investigate and Spoken with Court of Clerk. She informed me it could be computer error or someone with same name but they did not verify or validate information on credit file. See attached letter from Clerk of Court
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Other fee
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I opened a credit card several years ago with no annual or membership fees but was recently charged a {$19.00} membership fee that I never agreed to. When I called to have it waived they refused to do so and claim it was in the original terms of the account but it was certainly not. This is the first time it was charged after having the account for approximately 5 years so I clearly did not agree to this.
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Loan modification,collection,foreclosure
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I need access to my property, for a realtor to appraise the home for a short sale. The mortgage company OCWEN will not talk to me, as they have pass the debt to a collection agency XXXX XXXX, XXXX. The collection agency will not ask the mortgage company for the name of the company I need to call to get the key. I ca n't get the process to move forward with out the appraisal, yet they both want payment.
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Deposits and withdrawals
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I came to the branch to make a deposit and it took a very long time because there was only XXXX open. It 's the XXXX of the month and the branch is not prepared to handle the customers
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Communication tactics
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Non stop calls for a debt I do n't owe and they wo n't identify
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Improper use of your report
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Unauthorized inquiries reporting on my credit report.
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Incorrect information on credit report
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I 've sent multiple letters to this agency about this not being my account. After being advised by XXXX I 've completed and sent a fraud affidavit via certified mail. I can see they received it but nothing has changed. See supporting documents. even the XXXX tracking. Also attempted to contact XXXX, XXXX etc. per the address listed on my credit report and the letter got returned. I sent it to the bureaus and they ignored it. Please help if you can thank you.
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Cont'd attempts collect debt not owed
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I have a random collect call collection on my account. there is no information anywhere on this and i dont accept collect calls. this is a random act of false information on credit reports trying to attempt collect a debt i do not owe.
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Cont'd attempts collect debt not owed
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I received a collection letter from BYL Collection Service. It is for a gas company I do not owe money to. The name of the Gas Company is for XXXX XXXX XXXX. I am currently subscribed to the Said company but I am current with my account. The account number listed on the collection letter does not match to my gas account number. I have sent them a letter demanding proof for the time being.
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Incorrect information on credit report
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The Ohio Attorney General submitted correspondence to remove a State Lien from my credit repository accounts as they have been paid and released. The credit reporting agency has yet to successfully comply with this request after several letters from myself with attached documentation and from the Ohio Attorney General which held the lien.
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Delinquent account
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Debt buyers law firm filed only account statement made by law firm and affadavit of debt no other documents to prove ownership I filed counter claim now they want a mutual release to end lawsuit
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Dealing with my lender or servicer
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Public Service Employee Loan is predatory
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Cont'd attempts collect debt not owed
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I already filed a complaint against the issuer JP Morgan Chase. This is against their collection agency who is harassing me. The credit card was under my corporations name, XXXX XXXX XXXX, which filed Chap XXXX in 2011. I never agreed to, nor signed, any personal guarantees on this debt. This whole process is unfair, unethical and illegal
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Incorrect information on credit report
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I have never LIVED in XXXX, MD or ever been there.
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Disclosure verification of debt
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I sent a letter to Account Recovery Services disputing an account. I had medical insurance that was NOT billed for the charges. In the dispute letter, I asked for validation of the debt by identifying the original creditor as well as an agreement with my signature binding me to a contract. What I recived in return was a list of charges from a service provider.
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