Credence Resource Management, LLC

2018-09-18

Bowie, MD

Attempts to collect debt not owed

Debt collection: I do not know

Debt is not yours
Company Response: Closed with explanation

Timely Response

2018-09-15

Allentown, PA

Attempts to collect debt not owed

Debt collection: Other debt

Debt was paid
Company Response: Closed with explanation

Timely Response

2018-09-14

Bakersfield, CA

Communication tactics

Debt collection: Other debt

Frequent or repeated calls
Complaint: They are callng me to collect a debt under my husbands name, when they have literally just talked to him on his cell.
Company Response: Closed with explanation

Timely Response

2018-09-13

Tulsa, OK

Attempts to collect debt not owed

Debt collection: Other debt

Debt is not yours
Complaint: This is concerning the debt which we dont owe. With XXXX XXXX XXXX XXXX Bundle with XXXX XXXX, our contract with XXXX XXXX XXXX was over in XX/XX/2018. All the bills was paid in full, call the XXXX XXXX XXXX agent and clear everything. It was with XXXX XXXX we had two years contract and upon signing with the company we were told if we moved away from the location where they were providing service, to another location and if XXXX XXXX XXXX XXXX bundle has no coverage then there should be no early termination fee. We moved to XXXX XXXX from XXXX on XX/XX/2018, and we called the company to transfer our XXXX XXXX XXXX XXXX bundle to our new location, but they dont have coverage in our location, for that they promise us there is no termination fee and we owe {$0.00}. But after few months we received several letters from Credence Resource management LLC collection company saying that we owe {$400.00}. So I call XXXX XXXX XXXX XXXX on XX/XX/XXXX, XX/XX/XXXX and XXXX XX/XX/2018. I spoke to XXXX XXXX XXXX agent XXXX at XXXX, she is from Bundle billing department for XXXX XXXX XXXX XXXX, She has checked everything and she told me her supervisor will be writing to the collection company to recall this debt of {$400.00}. The charges was for equipment and early termination fee, I have return the equipment both to XXXX XXXX XXXX and XXXX XXXX. I have both the receipt, that was shipped out on XX/XX/2018 from the XXXX XXXX here in XXXX XXXX XXXX, I have given agent XXXX both the Reference number. I will attach both the receipts for proof. Also the last statement from XXXX XXXX which shows the {$0.00} Balance in our account.Agent XXXX told me we will not be receiving any more letters from the collection company, that all is taken care of, but we still get letters from the collection company.
Company Response: Closed with explanation

Timely Response

2018-09-12

Kissimmee, FL

False statements or representation

Debt collection: Other debt

Attempted to collect wrong amount
Company Response: Closed with explanation

Timely Response

2018-09-11

Kissimmee, FL

Attempts to collect debt not owed

Debt collection: I do not know

Debt is not yours
Company Response: Closed with explanation

Timely Response

2018-09-11

Bremen, GA

Written notification about debt

Debt collection: I do not know

Didn't receive notice of right to dispute
Complaint: credence resource management have my identity without my permission. I have not ever had an account with this company i disputed this debt with the credit bureau and they reported this debt as accurate ( letter posted ) which is fraud because I never gave them my name. address. phone number. social security number.date of birth or any of my personal information.under the FDCPA I have a right to request validation for the debt that say I owe them which will be a contract I signed with their company. this is a violation of the fcra because this is inaccurate information on my credit report.
Company Response: Closed with explanation

Timely Response

2018-09-06

Las Vegas, NV

Attempts to collect debt not owed

Debt collection: Other debt

Debt is not yours
Complaint: There is a Debt with Credence Resource Mana for {$560.00} I never had a contract with this company also XXXX XXXX for {$410.00} this is not my debt I never had a contract with. According to Sec 609 ( a ) ( A ) ( 1 ) of the Federal Trade Commission, I requested for them to show me proof that I did infact make a contract with them and owe these debts and they have not provided the following information and can not because it is not my debt with them.
Company Response: Closed with explanation

Timely Response

2018-09-05

Arsenal, PA

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

2018-09-02

Brooklyn, NY

Took or threatened to take negative or legal action

Debt collection: Other debt

Threatened or suggested your credit would be damaged
Complaint: My father attempted to clear a debt with a collection agency. They informed him that he could settle the debt for a specific amount. He received a letter stating that if wanted to resolve the issue all he would have to do would pay the settlement amount. The amount owed was {$1500.00} but to settle the debt. The only amount paid was {$460.00} but my father after paying was threatened that it would negatively effect his credit if he did not pay the full amount of the debt owed.
Company Response: Closed with explanation

Timely Response

2018-09-01

Webb City, OK

Written notification about debt

Debt collection: Other debt

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

Timely Response

2018-08-30

Wichita, KS

Written notification about debt

Debt collection: Other debt

Didn't receive enough information to verify debt
Complaint: On XX/XX/XXXX, I sent a letter to Credence Resource Management requesting validation, not verification of a debt they claimed I owe. In this letter I requested that they send me a list of items to validate this debt in reference to the Fair Debt Collection Practices Act, 15 USC 1692g Sec 809 { b }. I received quite a bit of letters from Credence Resource Management stating that they validated the debt as accurate ; however, they failed to provide me with the proper documentation to support this accuracy, but instead they continued to send me an itemized statement of a bill. This however does not meet the Federal Trade Commissions guidelines of what constitutes proper debt validation. In response to these letters I sent another letter to Credence Resource Management certified on XX/XX/XXXX requesting that they remove this inaccuracy of this debt from my credit report due to the FCRA act stating that they are not allowed to report inaccurate information on my credit report. I have warned them of taking legal actions against them if they can not comply to these regulations. As of XX/XX/XXXX, I have not seen any deletion of this debt and they continue to report the credit bureaus of this unverified debt.
Company Response: Closed with explanation

Timely Response

2018-08-30

Attempts to collect debt not owed

Debt collection: Other debt

Debt is not yours
Company Response: Closed with explanation

Timely Response

2018-08-29

Milwaukee, WI

Written notification about debt

Debt collection: Other debt

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

Timely Response

2018-08-28

Davie, FL

Improper use of your report

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

Reporting company used your report improperly
Company Response: Closed with explanation

Timely Response

2018-08-27

MA

Written notification about debt

Debt collection: Other debt

Didn't receive enough information to verify debt
Complaint: Credence was sent a debt validation request and all they sent back was that the debt was verified. I was never sent any proof from the company that the debt is mine ( no statement, billing information nor anything with my signature ).
Company Response: Closed with explanation

Timely Response

2018-08-25

Philadelphia, PA

Written notification about debt

Debt collection: Other debt

Didn't receive notice of right to dispute
Complaint: Reviewed my credit report and Credence Resource Management placed negative item on my credit report without notifying me, which is a clear violation of the early-warning notice clause of FACTA section 623 ( A ) ( 7 ). This law requires all creditors and collectors to notify me by mail before placing negative items on my credit report. Credence Resource Management should remove incorrect information off my credit report. More importantly, Credence Resource Management are in violation of FACTA section 623 ( A ) ( 7 ). Never received any correspondence from Credence Resource Management.
Company Response: Closed with explanation

Timely Response

2018-08-23

Bakersfield, CA

Communication tactics

Debt collection: Other debt

Frequent or repeated calls
Complaint: Creedence resource management is calling non stop from multiple phone numbers. They've called from the following numbers : XXXX XXXX XXXX XXXX I have previously reached out to the creditor to fix this issue and had been making payments.
Company Response: Closed with explanation

Timely Response

2018-08-23

Arco, CA

Attempts to collect debt not owed

Debt collection: Other debt

Debt was paid
Complaint: Credence Resource Management ( CRM ) has been reporting a collection account from XXXX XXXX XXXX XXXX in the amount of {$1600.00} to all 3 credit bureaus on my name since XX/XX/2017. The XXXX XXXX XXXX balance was settled DIRECTLY with XXXX XXXX XXXX in payments over the last few months and closed. Credence has been inaccurately reporting this account on my credit report as a collection and I want this reporting deleted immediately.
Company Response: Closed with explanation

Timely Response

2018-08-22

Arlington, VA

Attempts to collect debt not owed

Debt collection: Medical debt

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

Timely Response

2018-08-22

Mabank, TX

Attempts to collect debt not owed

Debt collection: Other debt

Debt is not yours
Complaint: On XX/XX/2018 my husband and I visited XXXX Warehouse to purchase two XXXX XXXXs valued at {$990.00} each. Upon realizing that we could potentially receive the best deal with XXXX XXXX XXXX, we decided to switch our services from XXXX to XXXX XXXX XXXX. After three hours of being in the store and on the line with XXXX XXXX XXXX, the kiosk associate was unable to successfully port my husband 's line from XXXX but promised the phone will be active later that evening/night. My line was able to receive text messages and make outgoing calls ; however, I could not receive calls. We took the phones home and called XXXX XXXX XXXX again to attempt to continue with the port and was unsuccessful. My husbands line never activated or ported over, and my line did not fully port. Frustrated with XXXX XXXX XXXX, we returned the phones to the same XXXX store the next day on XX/XX/2018. XXXX XXXX XXXX issued an invoice in the amount of {$1000.00} due XX/XX/XXXX. I initially called XXXXXXXX XXXX XXXX the week of XX/XX/XXXX and asked the associate for an email to provide a photo copy of receipts to support my claim that the phones were returned. She stated that they did not have an email address for me to send said documents. I called XXXX XXXX XXXX again on XX/XX/XXXX ( the day before I was induced to give birth ) with the kiosk manager from XXXX on the line to resolve this matter. We spoke with agent XXXX or XXXX in the Loyalty Department around XXXX CST and she assured us the account was notated. Matter of fact, the XXXX kiosk manager verified that he could see the notes in the system.I received two subsequent invoices and now a collections letter and call. I informed the collections associate on XX/XX/XXXX that the debt was not valid and that I offered to provide evidence of such to XXXX XXXX XXXX.
Company Response: Closed with explanation

Timely Response

2018-08-22

DC

Attempts to collect debt not owed

Debt collection: Other debt

Debt was already discharged in bankruptcy and is no longer owed
Complaint: On XX/XX/2018, I reviewed my credit report and noticed a new collection account on my report. I contacted the company, Credence Resource Mgmt, that was listed as the company that placed the collection on my credit report. I called the company, asked about the account they placed in collection, and they referred to an account that was over 7 years old and has already been removed from my credit report, but this company reported it as a new debt. The company does not even own this so called debt and said they are collecting the debt on behalf of XXXX XXXX XXXX for wireless services.
Company Response: Closed with explanation

Timely Response

2018-08-22

Houston, TX

Attempts to collect debt not owed

Debt collection: Other debt

Debt was paid
Company Response: Closed with explanation

Timely Response

2018-08-22

Stkn, CA

Attempts to collect debt not owed

Debt collection: Medical debt

Debt was paid
Company Response: Closed with explanation

Timely Response

2018-08-21

Encino, CA

Attempts to collect debt not owed

Debt collection: I do not know

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

Timely Response