Credence Resource Management, LLC

2018-11-19

TX

Attempts to collect debt not owed

Debt collection: Other debt

Debt was paid
Complaint: Although there is no balance, Credence clients report past due amounts for collection. On XX/XX/2018, I received a Demand Letter for payment for a company that I do not owe anything to. They should check with Creditor for accurate reporting before they attempt collections. I am really exhausted with responses to this company sending Demand Letters for accounts that were paid and/or did not have a balance. I DO NOT OWE ANY MONEY TO XXXX AT ALL. I am requested make a payment for an amount but XXXX has called me several times to return and I did not have a balance.
Company Response: Closed with explanation

Timely Response

2018-11-07

Brentwood, TN

Attempts to collect debt not owed

Debt collection: Other debt

Debt is not yours
Complaint: It appears that CREDENCE RESOURCE MANA is trying to collect a debt for XXXX for the amount of {$550.00} this is not my debt and they are still to collect money from me that I do not owe I have repeatedly try to talk to XXXX about this debt and it is repeatedly showing up on my credit report, no one has sent me any notice about this debt yet they will not take it off my credit reports. It appears to return on to my report every so often. This is not my debt I have asked for written validation as to this debt in years past and none was given and it is causing me to not be able to get my credit fixed so I may purchase a home. They are creating a big problem in my financial life.
Company Response: Closed with explanation

Timely Response

2018-11-06

Norfolk, VA

Attempts to collect debt not owed

Debt collection: Other debt

Debt was paid
Company Response: Closed with explanation

Timely Response

2018-11-05

Van Nuys, CA

Attempts to collect debt not owed

Debt collection: Other debt

Debt is not yours
Complaint: When I changed my XXXX XXXX XXXX XXXX satellite service to streaming ( XXXX now ), I was told I had a XXXX balance because Id stayed with the company. I started to receive bills for {$110.00}, and I called customer service each time ( about 4 altogether ). I was told each time that there was no balance on either my past or current accounts. Today I received a bill from Credence, a debt collector for {$110.00}. Ive spoken to many XXXX XXXX XXXX, XXXX reps who ALL told me that I did not have a balance.
Company Response: Closed with explanation

Timely Response

2018-11-05

Dallas, TX

Attempts to collect debt not owed

Debt collection: Other debt

Debt was result of identity theft
Complaint: Credence, debt collector for " XXXX XXXX XXXX XXXX '' a subsidiary and business partner for XXXX XXXX XXXX XXXX ( see previous CFPB complaint regarding wire-tapping, fraud, and other illegal activities due to the mismanagement of records stemming from XXXX XXXX at XXXX XXXX XXXX XXXX, TX XXXX ) continues to contact me regarding a bill for a phone that I 1 ) never signed for, 2 ) never agreed to terms because the agents acting on XXXX XXXX XXXX XXXX 's behalf, ( XXXX on XXXX real name XXXX ), and 3 ) RETURNED all equipment and services in a timely manner from the XXXX XXXX LOCATION at the XXXX XXXX in XXXX Texas. I was promised a multitude of things that never happened. I felt I was being coerced into signing a contract for XXXX and business opportunities, NEITHER of which happened. I don't appreciate XXXX XXXX XXXX XXXX or XXXX XXXX XXXX in general attempting to garner support for their company by making promises they never intend to follow through with in the first place. The bill keeps changing, but I have gotten XXXX XXXX XXXX, countless times, to admit over the phone, in person at the Uptown location, in person in the XXXX XXXX location, etc. etc. etc. to admit I do not owe them any money at all. I don't appreciate XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, and NOW Credence, attempting to collect for debts I do not owe. I really wish I never would have shared any of my personal information with any of their agents. They have attempted to capitalize on my business acumen, law background, health and human services background, and the like, to attempt to get me to be " a part of their family. '' XXXX XXXX XXXX, the conglomerate and its business partners are not a family. They are a terroristic gang that needs to be reprimanded by the FCC and investigated thoroughly for their fraudulent, illegal, and frankly disrespectful tactics against myself and other similarly situated individuals. To this DAY, I do not own a phone nor do I partake in any of XXXX XXXX XXXX services because I do not trust them, their company, or anything else they do to their consumers. What happens in the dark will always come to the light.
Company Response: Closed with explanation

Timely Response

2018-10-30

Independence, MO

Attempts to collect debt not owed

Debt collection: Other debt

Debt is not yours
Company Response: Closed with explanation

Timely Response

2018-10-26

Chicago, IL

Written notification about debt

Debt collection: Other debt

Didn't receive enough information to verify debt
Company Response: Closed with explanation

Timely Response

2018-10-25

Chicago, IL

Communication tactics

Debt collection: I do not know

You told them to stop contacting you, but they keep trying
Complaint: I received a call at my home for an individual thats unknown to me. I asked the name of the company and I asked specifically was this company a collection agency which from 3 different representatives I was denied a response but was given they cant disclose that and was hung up on. I also called back spoke with a manager XXXX which gave the same response. They refused to disclose the type of company after I asked several times. Also I have told this company which I recognize the phone number and told them not to call anymore because wrong number
Company Response: Closed with explanation

Timely Response

2018-10-23

AL

Problem with a credit reporting company's investigation into an existing problem

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

Their investigation did not fix an error on your report
Complaint: I received a copy of my credit report in XX/XX/2018. I noticed that Credence Resource Management had placed a derogatory item on my report and had not ever notified me that they were attempting to collect on that debt. I immediately drafted a dispute to Credence ( see attached letter dated XX/XX/18 ). In this letter I formally stated that I was disputing the information they were reporting but moreover, I was requesting validation of the debt. Credence to date has not responded. I have not received an agreement with the signature of the alleged debtor wherin he/she agreed to pay the creditor ; have not received the date this alleged debt became payable ; what the original delinquency date was, nor did I receive complete accounting of the alleged debt. The entry lacks veracity and due to the fact that Credence has yet to respond, it appears that they do not have any documentation to justify that they are reporting 100 % accurately, time and verifiable information. Per return receipt ( see attached ), Credence received my dispute on XX/XX/18. FCRA provides that they had 30 days to respond to my dispute. Being that Credence is violating my consumer rights and did so knowingly without providing me a dunning letter, yet they continue to be in violation with this reporting ; this item must be deleted immediately from my credit reports.
Company Response: Closed with explanation

Timely Response

2018-10-22

Itasca, IL

Attempts to collect debt not owed

Debt collection: Other debt

Debt is not yours
Complaint: This debt was reported on my credit after I already advised the original creditor that it was not my debt and fraud since I had no longer lived at this residence and I never signed a contract I advised them that it was fraud and they never reported it But sold it years later to Credence who report on my credit with no contact or mail This is causing great harm to my credit when it was fraud on someone elses part,
Company Response: Closed with explanation

Timely Response

2018-10-22

Denham Spgs, LA

Problem with a credit reporting company's investigation into an existing problem

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

Their investigation did not fix an error on your report
Company Response: Closed with explanation

Timely Response

2018-10-19

Gr, MI

Attempts to collect debt not owed

Debt collection: Other debt

Debt was paid
Company Response: Closed with explanation

Timely Response

2018-10-17

Greenfield, WI

Written notification about debt

Debt collection: Other debt

Didn't receive enough information to verify debt
Company Response: Closed with explanation

Timely Response

2018-10-16

Odell, OR

Written notification about debt

Debt collection: Other debt

Didn't receive enough information to verify debt
Complaint: I had a dispute with XXXX XXXX XXXX about XXXX. I have a written renegotiation of my contract that XXXX defaulted on and turned off my service. I stopped paying and sent back their equipment. They turned the bogus collection over to Credence Resource Management and Credence sent me a letter. I sent Credence an email on XX/XX/XXXX, telling them that I did not owe them any money and I did not owe XXXX any money and informed them to NOT contact me again about this bogus claim. I received another letter dated XX/XX/2018 about the bogus debit. This is a clear violation of the XXXX.
Company Response: Closed with explanation

Timely Response

2018-10-15

Blackbird, DE

Attempts to collect debt not owed

Debt collection: Other debt

Debt is not yours
Complaint: I have a Collections on my credit report dated XX/XX/XXXX form Credence Resource Management account # XXXX in the amount of {$4900.00} from XXXX. On XX/XX/XXXX I completed a police report for Identity Theft to the XXXX XXXX Police Department Case Number XXXX. I called XXXX and gave the police report case number regarding account XXXX in the amount of {$4900.00}. The account was opened from XX/XX/XXXX to XX/XX/XXXX from the address XXXX XXXX XXXX. I then filled out the Fraud Affidavit that was sent to me and mailed and faxed it back to XXXX in XX/XX/XXXX. It was removed from my credit report ; only to return on XX/XX/XXXX from another Collection Agency. I have been a loyal XXXX XXXX XXXX customer since XXXX. I have never ever lived at this address. I have been a home owner living at the same address for 17 years. I have never owned a business or have been a business partner with anyone. When I spoke to XXXX XXXX, the Supervisor at Credence Resource Management, he stated he couldn't do anything but take my information and send out another packet for me to fill out and send back in. This could take up to 30 days. The only way he received my information is from XXXX for a delinquent phone bill. This was supposed to be resolved. It is not. It keep reoccurring. I was also advised by Mr. XXXX that XXXX has forwarded/sold this to three other Collection Agencies before his Agency got it.
Company Response: Closed with explanation

Timely Response

2018-10-09

Superior Township, MI

Attempts to collect debt not owed

Debt collection: I do not know

Debt is not yours
Company Response: Closed with explanation

Timely Response

2018-10-07

MO

False statements or representation

Debt collection: I do not know

Attempted to collect wrong amount
Complaint: Credence Resource Management is a 3rd party agency who has no right to collect anything from the alleged debtor since there is no way they can prove they were on any original contract. 73 Amjur, 2nd, Section 90. You have no right to subrogate ( substitute ) yourself into a contract. Whether it be by purchase, assignment, transfer, or trade. If you bought the debt you did it on your own behalf. Not at the request of any alleged debtor, and therefore are a stranger to the transaction ( voluntary payee ). Reporting of this debt is a violation of the FCRA.
Company Response: Closed with explanation

Timely Response

2018-10-05

Fort Lauderdale, FL

Attempts to collect debt not owed

Debt collection: Other debt

Debt is not yours
Company Response: Closed with explanation

Timely Response

2018-10-03

Gates, NY

Written notification about debt

Debt collection: Other debt

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

Timely Response

2018-10-03

Lydia, LA

Incorrect information on your report

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

Account information incorrect
Company Response: Closed with explanation

Timely Response

2018-09-24

Attempts to collect debt not owed

Debt collection: Other debt

Debt is not yours
Company Response: Closed with explanation

Timely Response

2018-09-21

Jacksonville, FL

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

2018-09-21

Taft, OH

Attempts to collect debt not owed

Debt collection: Other debt

Debt is not yours
Complaint: This Debt was proved not to be mine and was removed from my credit report before now its placed back on by another another collection company.
Company Response: Closed with explanation

Timely Response

2018-09-19

Tampa, FL

Attempts to collect debt not owed

Debt collection: Other debt

Debt is not yours
Complaint: This fake agency claiming to be a collection agency. Theyre telling me I owed money to XXXX XXXX XXXX and they keep reporting to credit bureau. There are many complaints against Credence Resource Management and XXXX supposedly had nothing to do with them.
Company Response: Closed with explanation

Timely Response

2018-09-18

Arlington, TX

Communication tactics

Debt collection: Other debt

Frequent or repeated calls
Complaint: I received my first call from Credence Resource Management ( hereafter referred to as XXXX ) approximately XX/XX/XXXX, regarding an outstanding XXXX XXXX XXXX XXXX balance owed for cable, internet, home telephone for a combined XXXX XXXX XXXX XXXX account. Before I began to make any payments, I asked to see a final bill as I never received one from XXXX XXXX XXXX. Please note, I would receive several calls from different on the same day. On more than one occasion, while on an active call with a XXXX Representative, I would receive another call on my open line. I would explain that I was on the line with one of their Representatives and that one call per person a day should be sufficient. However, my concerns were ignored. After many discussions with both XXXX XXXX XXXX and XXXX, this bill was paid in full on XX/XX/XXXX. On XX/XX/XXXX, I received another call about a XXXX XXXX account in the amount of {$90.00}. After spending 2-hours on the telephone with XXXX explaining this was not my bill and being called a Liar, I immediately contacted XXXX XXXX XXXX. XXXX XXXX XXXX had no record of this charge. I then telephoned XXXX again to let them know what I had been told by an XXXX XXXX XXXX XXXX. I was told it was in my name and SSN # and was expected to pay. I was talked to as if I was a criminal. To be called a liar by someone who is only there to collect a debt is unfathomable. I continued to get telephone calls from XXXX, even after telling them to not contact me anymore about this bogus bill, they still continued to harass me until they received confirmation from XXXX XXXX XXXX that this was not my debt. Great, I thought no more calls from XXXX. I was wrong. XX/XX/XXXX, I called XXXX to find out why there have been XXXX {$50.00} charges taken from my checking account. These charges are dated : XX/XX/XXXX ; XX/XX/XXXX ; XX/XX/XXXX ; XX/XX/XXXX : another for XX/XX/XXXX and XX/XX/XXXX. This is a total of {$300.00}. This does not include the three payments for the above mentioned combined XXXX XXXX XXXX XXXX bill - which is paid in full. In speaking with a Manager named, XXXX XXXX, he explained that he was not sure what the charges were for and that I should call my bank to stop the payments. This should be against the law. They should know why they are taking money out of someone's account. However, he did explain there were three accounts in my name : ( 1 ) The Direct XXXX XXXX XXXX combined account, which was closed - paid in full. ( 2 ) The XXXX XXXX account, which was confirmed by XXXX XXXX XXXX that it was not my debt. AND NOW ( 3 ) an outstanding XXXX XXXX XXXX mobility Acct for {$600.00} for a mobile number XXXX. I WAS LIVID! First, because I've never owned this mobile number. Second, because he tried to convince me that I've paid on this cell mobile phone before. I immediately called XXXX XXXX XXXX. Again, XXXX XXXX XXXX had no record of me ever owning this mobile number. It appears since Ive paid the account for which I did owe, XXXX is trying to apply charges to me that I DO NOT OWE. I called and spoke with Mr. XXXX once again. He was then able to give me the account number for this outstanding debt. Acct # XXXXXXXXXX- which he could not give me at first ( I'm sure because he did not like my attitude. Nor did I like his ). Now, it's mid-morning. I've had to step away from my office yet again, to spend time explaining another outstanding bogus bill in my name. I then asked why I'd not been contacted for both the XXXX XXXX and mobile account prior to paying off the first account. Of course, he could not explain. I told him for the last time, DO NOT CONTACT ME ABOUT ANY BILLS REGARDING XXXX XXXX XXXX because they did not have any open accounts for me. Also, told him should XXXX have any outstanding bills with XXXX XXXX XXXX for me, they need to work with XXXX XXXX XXXX to reconcile their books to reflect what XXXX XXXX XXXX has. I later found out that Acct # XXXXXXXXXX is not for a mobile account. This was for an XXXX XXXX XXXX XXXX XXXX account that was paid and cleared with XXXX XXXX XXXX on XX/XX/XXXX. It's funny I've not heard one word about this account until XX/XX/XXXX. Im not sure what type of illegal business XXXX is operating, but this harassment needs to cease IMMEDIATELY. They can call and harass me about bogus charges but they still have not been able to tell me why 6 - {$50.00} charges have been deducted from my account. Please see all of the charges that XXXX has deducted from my account per the attached. They have taken another {$50.00} as of yesterday, XX/XX/XXXX. This is after I told them to STOP TAKING PAYMENTS FROM MY BANKING ACCOUNT for something they can't explain why. THIS IS THEFT!
Company Response: Closed with explanation

Timely Response