Credence Resource Management, LLC

2019-04-29

El Sobrante, CA

Attempts to collect debt not owed

Debt collection: Other debt

Debt is not yours
Complaint: I have disputed this account on several occasions. I have no knowledge of any of these accounts
Company Response: Closed with explanation

Timely Response

2019-04-29

Santa Ana, CA

Communication tactics

Debt collection: I do not know

Called before 8am or after 9pm
Complaint: Over the last 20 days, the average calls per day is 7. Calls are made at all hours. Some at XXXX, some at XXXX. I have called them and asked them to stop calling. They say they will, but it continues. They use abusive language, threats and curse words, even after I tell them that they have the wrong number. I verified my number is on the DNC list and threatened to file a complaint. They laughed. Please help Thanks
Company Response: Closed with explanation

Timely Response

2019-04-26

Fresno, CA

Written notification about debt

Debt collection: Other debt

Didn't receive enough information to verify debt
Complaint: Original Creditor : XXXX XXXX Collection Agency : Credence Resource Manage Amount {$440.00} Claiming I Owe **** Unverified **** Date Disputed :XX/XX/2019 Disputed Charges & And Asked For VOD Validation Of Debt *** Not Validate *** Resolution : XX/XX/2019 Account Statues : Per XXXX Account Information Disputed By Consumer Meets FCRA Requirements
Company Response: Closed with explanation

Timely Response

2019-04-25

MI

Attempts to collect debt not owed

Debt collection: Other debt

Debt is not yours
Complaint: XXXX XXXX XXXX To who ever cares I entered a contract with your agent at the XXXX store for XXXX XXXX Unlike my wife { she passed XX/XX/XXXX } who used to call XXXX XXXX XXXX and argued with someone from XXXX XXXX or XXXX. I will not.. I was ready to leave XXXX XXXX XXXX XX/XX/XXXX Your agent { XXXX } at the XXXX store talked me into staying and said she would save me money by switching to XXXX and that I could switch back.XXXX XXXX was not working correctly so I made the mistake of calling the phone number to XXXX to switch back. XXXX XXXX came back out and they put in the basic tv package. When I asked for the package I had. Tried to add XXXX XXXX to watch XXXX XXXX NO I again talked with your retail sales consultant { XXXX } person to person and had agreed To a price of around {$270.00} a month total bundle I asked her how do I know they just wont jack up the price later? like they did before. She took a photo of my bill off the computer with my camera so that I have proof She argued with someone on the phone that day about said plan And { XXXX } told the person on the phone that I was a customer for years and I was going to leave if I didnt get my price..she said it was settled same price every month for a year. I signed a tablet. Now here you guys go again telling me it was an Introductory price and we want more money. I will only pay for what I agreed tonot some changes that someone altered. I Paid XXXX XXXX XXXX XX/XX/XXXX.. {$270.00} XX/XX/XXXX.. {$270.00} start of overcharging XX/XX/XXXXI paid { {$260.00} .XX/XX/XXXX {$270.00} } I went over to XXXX XX/XX/XXXX They installed it on the XX/XX/XXXX I went to the XXXX store and they handed me the phone to talk to XXXX XXXX XXXX. [ XX/XX/XXXX ] and I had to give her my info and pin number and she asked me to stay. I said NO You were not satisfied with {$270.00} a month and Ive been a loyal customer no longer Your people overcharged me {$50.00} for XX/XX/XXXX and XX/XX/XXXX I went to the XXXX XXXX XXXX store and they couldnt help me+ gave me a card I called the number XXXX XXXX from XXXX couldnt find my account On XX/XX/XXXX I called XXXX XXXX couldnt help told me to call XXXX { a dead number } Dead numbers and rabbit holes ..can I talk with an XXXX? ..no Ill help youall they are allowed to do is read you you the incorrect bill over the phone. I tried I made calls [ 35 } [ 7 ] re corded conversations with XXXX XXXX XXXX personel giving their permission.your turn. All my calls are documented the recordings reflect a desire to send me down a bunch of rabbit holes hoping Ill just give up? Maybe you wanted paperless too? nice try Are you at this date aware that I went somewhere else last year. Your billing is also proof positive of your failure This is not about my ability to pay its about you XXXX XXXX XXXX The left hand has no idea what the right hands is doing. I have always paid my way and you are not going to bully me for money I dont owe. XXXX XXXX XXXX voided the contract not me. Your billing statements are faulty and now you think you can send me a bill for mobile when I was in a package deal no way See ya in court I was truthful with { XXXX } and she was truthful with me. I told her face to face that I would bail out if they started this again and here we are. Too many people in the cookie jar Account # A letter was certified mailed to you about my desire to fix this and other things that are proof of this rabbit hole
Company Response: Closed with explanation

Timely Response

2019-04-25

PA

Written notification about debt

Debt collection: Other debt

Didn't receive notice of right to dispute
Complaint: Company called credence resources called demanding money today or will be on credit report. Refused to give me XXXX XXXX number to verify this. Received nothing in the mail regarding this either
Company Response: Closed with explanation

Timely Response

2019-04-24

Phoenix, AZ

Attempts to collect debt not owed

Debt collection: Other debt

Debt was paid
Company Response: Closed with explanation

Timely Response

2019-04-24

Klawock, AK

Attempts to collect debt not owed

Debt collection: Other debt

Debt is not yours
Company Response: Closed with explanation

Timely Response

2019-04-19

Arlington, VA

Attempts to collect debt not owed

Debt collection: Other debt

Debt is not yours
Company Response: Closed with explanation

Timely Response

2019-04-14

Lodi, CA

Written notification about debt

Debt collection: I do not know

Didn't receive notice of right to dispute
Company Response: Closed with explanation

Timely Response

2019-04-11

And, SC

Took or threatened to take negative or legal action

Debt collection: Other debt

Threatened or suggested your credit would be damaged
Company Response: Closed with explanation

Timely Response

2019-04-09

Alpharetta, GA

Attempts to collect debt not owed

Debt collection: Medical debt

Debt is not yours
Company Response: Closed with explanation

Timely Response

2019-04-09

Spring Hill, FL

Fraud or scam

Credit reporting, credit repair services, or other personal consumer reports: Credit repair services

Company Response: Closed with explanation

Timely Response

2019-04-03

Sacramento, CA

Took or threatened to take negative or legal action

Debt collection: Other debt

Threatened or suggested your credit would be damaged
Complaint: XX/XX/2018 paid XXXX XXXX XXXX wireless contract which wireless lines for XXXX and XXXX amount paid {$790.00}. I wanted a prepaid cell phone service which startedXX/XX/2018 I paid {$50.00} for both lines. then i got email bill from XXXX XXXX XXXX that stated I owed {$260.00}. then the bill went up to {$590.00}. I attempted to call XXXX XXXX XXXX and send a fax for a complaint and my issue was not resolved. I spoke with XXXX XXXX XXXX representative who told me to contact the collection agency since my account was sent to the collection agency.
Company Response: Closed with explanation

Timely Response

2019-04-02

Palos Park, IL

False statements or representation

Debt collection: Other debt

Attempted to collect wrong amount
Complaint: It started with a charge from from XXXX. ( XX/XX/2015 ) I sent two phone back to them because they were damaged. I paid my insurance deductible and sent the phones back Via the postal backs they supplied. At first they said they got them, then they sent a bill for them as not turned in. For years we when over and over about this to where a XXXX XXXX bill is now XXXX XXXX dollar bill. The fact of the mater is that some miss place or taken the two phones we sent back.
Company Response: Closed with explanation

Timely Response

2019-04-01

Astoria, NY

Took or threatened to take negative or legal action

Debt collection: Credit card debt

Threatened or suggested your credit would be damaged
Company Response: Closed with explanation

Timely Response

2019-03-29

San Gabriel, CA

Took or threatened to take negative or legal action

Debt collection: Other debt

Threatened or suggested your credit would be damaged
Complaint: I received numerous robocalls and telephone calls on my cell phone from XXXX XXXX XXXX and its collection agency Credence Resource Management LLC for {$78.00}. I had switched internet service to XXXX and terminated this account as of XX/XX/XXXX, but they still demanded payment for XXXX service for two cycles from XX/XX/XXXX through XX/XX/XXXX, after their service had been terminated. XXXX XXXX XXXX has an answering service which will not respond with a live operator unless the amount is paid. I refused to pay the amount and XXXX XXXX XXXX made a number of robo-calls on a daily basis during work hours. XXXX XXXX XXXX eventually called through a live operator, and I told him that the amount is disputed ( despite the fact that they had already received their leased equipment back ). They next submitted their claim to Credence Resource Management LLC whose employee called me on my cell phone during work hours, threatening to sue and blackball my credit unless it is paid. Again, I told this person also that this amount is in dispute. Notwithstanding, Credence sent me a letter of collections demanding payment. This is a small amount and it is much easier for me to just pay it. But I am so incensed by XXXX XXXX XXXX and the threatening tone of Credence that I felt it was necessary to point this out to CFPB and to the public. When I went to the XXXX XXXX to send back the leased equipment to XXXX XXXX XXXX, there was a line of people all waiting to do the same, and they had gone through similar experience of XXXX XXXX XXXX 's wilful disregard for consumer rights.
Company Response: Closed with explanation

Timely Response

2019-03-29

Arco, CA

Written notification about debt

Debt collection: Other debt

Didn't receive enough information to verify debt
Complaint: On XX/XX/2019, i received a notification from XXXX and XXXX that a debt collection had been reported to my account. This debt showed for the amount of {$970.00}. The debt collector appeared as Credence Resource Management. After telling them i had no idea of what debt they spoke of, they mentioned that it was an attempt to collect a debt and that they had already reported me to credit bureaus. I told them i had not received any debt information and that it was against the law to report a debt without serving a 30 day notice. They did not care and still went ahead to continue asking me for money. On XX/XX/XXXX, i received a letter dated to XX/XX/2019 in which they still did not give me the opportunity to dispute the account. Now this letter states a date in which an account was opened ( XX/XX/2019 ) Soon after reading the letter, i called XXXX and spoke to a rep named XXXX XXXX ID number is XXXX who reaffirmed that there was no account under my name, social or even the account number i was providing. This is leading me to believe that Credence Resource Management is fraudalently opening accounts and also not abiding by the law before they report consumers. The XXXX rep adviced that i report Credence Resource Management to their fraud department for which i did. In no way, does Credence Resource Management ever explain the debt or break down this debt. Naither portion of their mentioned debt ever coincides. One rep tells me the account is from XX/XX/XXXX, the XXXX final bill states XX/XX/2019. Credence respurce management and XX/XX/XXXX seem to be working together to open a fraudalent account.
Company Response: Closed with explanation

Timely Response

2019-03-28

South Florida, FL

Attempts to collect debt not owed

Debt collection: I do not know

Debt was result of identity theft
Complaint: XXXX, XXXX SOC SEC # XXXX DOB XX/XX/XXXX ADDRESS XXXX XXXX XXXX XXXX, XXXX XXXX, FL XXXX CREDENCE RESOURCE MANA XXXX Your company have violated FCRA 615 ( f ) ( 15 U.S.C. 1681m ( f ) ) ( f ) Prohibition on sale or transfer of debt caused by identity theft You have not responded to my request to provide me with an investigation report. I need this resolve, under the Fair Credit Reporting Act, these disputed items may not appear on my credit report if they can not be supported by any evidence ( 1 ) In general No person ( company ) shall sell, transfer for consideration, or place for collection a debt that such person has been notified under section 1681c-2 of this title has resulted from identity theft. ( 2 ) Applicability The prohibitions of this subsection shall apply to all persons collecting a debt described in paragraph ( 1 ) after the date of a notification under paragraph ( 1 ). ( 3 ) Rule of construction Nothing in this subsection shall be construed to prohibit -- ( A ) The repurchase of a debt in any case in which the assignee of the debt requires such repurchase because the debt has resulted from identity theft ; ( B ) the securitization of a debt or the pledging of a portfolio of debt as collateral in connection with a borrowing ; or ( C ) the transfer of debt as a result of a merger, acquisition, purchase and assumption transaction, or transfer of substantially all of the assets of an entity. A person that furnishes information to any consumer reporting agency shall have in place reasonable procedures to respond to any notification that it receives from a consumer reporting agency under section 1681c-2 of this title relating to information resulting from identity theft, to prevent that person from refurnishing such blocked information. The reference items are listed below please take this matter very serious CREDENCE RESOURCE MANA XXXX I have report your company to consumerfinance.gov As a form of record and I am prepare to sue your company Example In re XXXX XXXX XXXX, XXXX Telephone Consumer Protection Act Litigation, Case No. XXXX, in the U.S. District Court for the XXXX District of California Stop collection proceedings against me Signatures on applications and accounts Investigators report XXXX, XXXX SOC SEC # XXXX DOB XX/XX/XXXX ADDRESS XXXX XXXX XXXX XXXX, XXXX XXXX, FL XXXX
Company Response: Closed with explanation

Timely Response

2019-03-27

KY

Attempts to collect debt not owed

Debt collection: Other debt

Debt is not yours
Complaint: I received a letter in the mail yesterday addressed to my misspelled maiden name from Credence Resource Management , LLC regarding a XXXX XXXX bill in the amount of {$560.00}. I called XXXX at XXXX on XX/XX/2019 lasting 16 minutes. I advised the female representative the account number on the letter and address and that my name is not correct and I do not have this account and would like a copy of the contract or proof that this is my account. I did not provide any additional information to verify this is my account and she gave me all of the account information and said I needed to pay this and that it was in fact my account. She gave me an email address that was different than the one I provided. I asked to speak to a supervisor. XXXX was the name of the supervisor that I advised I would not give my last 4 of social security number to and only provided the spelling of my correct maiden name and requested the contracted proof of ownership. I advised that I am disputing the debt and they did not follow the FDCPA guidelines.
Company Response: Closed with explanation

Timely Response

2019-03-26

Reynolds Station, KY

Communication tactics

Debt collection: Other debt

Frequent or repeated calls
Complaint: Credence Debt Collectors has been making harrassing phone calls. They have been calling me non stop for the past XXXX weeks at least 5 times a day.
Company Response: Closed with explanation

Timely Response

2019-03-25

Sacramento, CA

Communication tactics

Debt collection: I do not know

Frequent or repeated calls
Company Response: Closed with explanation

Timely Response

2019-03-23

South Florida, FL

Attempts to collect debt not owed

Debt collection: Other debt

Debt was paid
Complaint: I had a XXXX service and I had a deb with them that was paid trough a 3rd party company CREDENCE RESOURCE MANA the debt was paid to this company for about 2 years now and they still showing in my credit report as not action.
Company Response: Closed with explanation

Timely Response

2019-03-20

Laredo, TX

Attempts to collect debt not owed

Debt collection: Other debt

Debt was result of identity theft
Company Response: Closed with explanation

Timely Response

2019-03-20

San Jacinto, CA

Identity theft protection or other monitoring services

Credit reporting, credit repair services, or other personal consumer reports: Other personal consumer report

Didn't receive services that were advertised
Complaint: This phone number as well as sister numbers as XXXX and XXXX that are continuously calling me. I have told them to stop and not to call me I have tried blocking them but they are still calling me. They are saying they are a business called Credence Resource management. I've razed reviews and everyone is identifying them as scammers. I have told them repeatedly that I know they are scammers and that they need to stop harassing me. I have informed the federal trade commission and filed a complaint with them as well.
Company Response: Closed with explanation

Timely Response

2019-03-16

Corinth, TX

Attempts to collect debt not owed

Debt collection: Other debt

Debt is not yours
Complaint: Upon receiving debt collection notice on XX/XX/2018 from Credence Resource Management LLC I determined the debt in collection was not mine. I followed up by sending a letter to the company on XXXX Demanding Credence provide proof that i owe the debt. It is now XXXX and Credence has not provided proof. I spoke with Credence today and was offered lower amount that what the bill states. I explained i never authorized cell phone service with XXXX. XXXX fraudulently used my social security number and mother in law 's name to open an account without my permission. Then proceeded to close the account and have it sent to collections. Credence is unwilling to provide proof that i would owe this debt. I've demanded they remove it from my credit report. Credence has not complied.
Company Response: Closed with explanation

Timely Response