Credence Resource Management, LLC

2018-05-24

Val Verde, TX

Communication tactics

Debt collection: Other debt

You told them to stop contacting you, but they keep trying
Complaint: In XXXX they had called my wife numerous time at work and was instructed she cant get personal calls at work. They continued to call her there at work three times a day and once they did contact her they cont. to keep calling we requested for the to stop all communication due to manner they were handling things. XX/XX/XXXX We received a call again with a guy that stated we never requested it for all the numbers and that they had all the proper documents and then processed to start yelling at me and being very nasty.
Company Response: Closed with explanation

Timely Response

2018-05-23

Davis, CA

Communication tactics

Debt collection: Medical debt

Frequent or repeated calls
Company Response: Closed with explanation

Timely Response

2018-05-23

Atl, GA

Communication tactics

Debt collection: Other debt

Frequent or repeated calls
Company Response: Closed with explanation

Timely Response

2018-05-19

Bancroft Hall, MD

Took or threatened to take negative or legal action

Debt collection: Other debt

Threatened or suggested your credit would be damaged
Complaint: Credence Resource Management , LLC. I disputed the charge because it was fraud. A company employee charged a phone bill to my personal account ( not authorized ) then was fired after discovery. XXXX XXXX XXXX sent the bill to collections and I continued to dispute the charge as fraud. Finally, after two years of no action I paid the amount, only to have Credence Resource Management refuse to delete the negative credit hit on my personal credit report. Credence Resource Management told me on the call they often delete negative credit hits for other consumers, just won't do it for me even though I actually paid the fraudulent amount.
Company Response: Closed with explanation

Timely Response

2018-05-18

San Jose, CA

Communication tactics

Debt collection: Other debt

Frequent or repeated calls
Complaint: Hello CFPB + Credit Collectors, I am a XXXX year old that started with credit early on. I made a lot of mistakes and everything got worse when I lost my job. I graduated from an intense XXXX XXXX program called XXXX. They train young individuals like myself relevant skills to survive in this thriving economy. When I lost my job it was unexpected. I had no idea the toll credit would have on my life. I am now in debt to all these credit card debt collectors. I would like a fresh start to all of this. I am ready for a new beginning. Below is some of the debt I have accumulated. I wish to get this debt off my back so that I can contribute to my neighborhood. I want to give back and help others but with debt I am completely frozen and am not allowed to do anything. I have learned my lesson. " XXXX XXXX XXXX , XXXX '' : {$630.00} XXXX XXXX : {$350.00} XXXX XXXX : {$820.00} XXXX XXXX XXXX , XXXX : {$960.00} I would also like to dispute a debt with CREDENCE RESOURCE MANAGEMENT LLC for {$1500.00} The confirmation number for this is XXXX. I have already payed this debt. Please help me settle this debt. I have learned my lesson with credit.
Company Response: Closed with explanation

Timely Response

2018-05-18

Rocky Ridge, MD

Attempts to collect debt not owed

Debt collection: Other debt

Debt was paid
Complaint: I have been receiving constant calls all hours of the day and night from a collector from Credence RM for an XXXX phone bill that was paid to XXXX more than a year ago. Upon reviewing my credit report they have filed it as a collections from a company under the name of Credence RM. This false claim made by this company has impacted my credit score. I also get calls from the same company claiming that I have won a free cruise. I believe this is a scam of some kind.
Company Response: Closed with explanation

Timely Response

2018-05-14

OR

Written notification about debt

Debt collection: Credit card debt

Didn't receive enough information to verify debt
Complaint: Credence Resource Management has violated 15 USC 1692 by continuing collection activity after a cease and desist and 15 USC 1681 by failing to report complete and accurate information to credit reporting bureaus.
Company Response: Closed with explanation

Timely Response

2018-05-12

Santa Ana, CA

False statements or representation

Debt collection: Medical debt

Impersonated attorney, law enforcement, or government official
Complaint: Date : XX/XX/2017, car accident bill. Account XXXX and XXXX Company : XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX, XXXX, XXXX XXXX, phone : XXXX. We were victims in a car accident on XX/XX/2017. The other car driver was at fault. We assigned the XXXX XXXX XXXX XXXX XXXX as our representative and will handle any bills. The XXXX XXXX XXXX XXXX XXXX is located at : XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX. We have notified by writing, emails, faxes many times regarding billing and payment and advised this company to send bill to our representative. However, this company did not contact our representative but harassed us repeatedly. We notified this company that we have a representative lawyer who is willing to work with them directly but they ignored and did not contact our representative. We also notified them that contacting us directly would not get any positive results but may violate the Federal Law ( FDCPA ) but they still ignored. Thank you. XXXX XXXX and XXXX XXXX
Company Response: Closed with explanation

Timely Response

2018-05-11

Bronx, NY

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

2018-05-11

Las Vegas, NV

False statements or representation

Debt collection: Medical debt

Impersonated attorney, law enforcement, or government official
Company Response: Closed with explanation

Timely Response

2018-05-07

Ned, KY

Incorrect information on your report

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

Account status incorrect
Company Response: Closed with explanation

Timely Response

2018-05-07

Sacramento, CA

Attempts to collect debt not owed

Debt collection: Other debt

Debt is not yours
Company Response: Closed with explanation

Timely Response

2018-05-05

South Florida, FL

Attempts to collect debt not owed

Debt collection: Medical debt

Debt is not yours
Complaint: This debt is invalid. Ive contacted the original creditor XXXX XXXX XXXX XXXX. In regards to the validity of this debt and still have not received a response. Right now Im seeking legal actions against XXXX XXXX, for billing fraud. And have reported them to both XXXX and The insurance fraud bureau.
Company Response: Closed with explanation

Timely Response

2018-05-05

Charlotte, NC

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

2018-05-05

Jupiter, FL

False statements or representation

Debt collection: Other debt

Attempted to collect wrong amount
Complaint: Re : Credence RM This company was asked by XXXX as well as myself numerous times to remove their claim from my credit report. I owed a balance to XXXX in XX/XX/2017 and I paid the balance in full to XXXX. The company called Credence placed a negative mark on my credit report stating I owed and paid them, not correct. The original creditor requested them to remove this claim. This continues a year later to show up. Credence has caused me damage both in obtaining a mortgage and has cost me job opportunities. This must be removed it is a false claim.
Company Response: Closed with explanation

Timely Response

2018-05-04

Philadelphia, PA

Written notification about debt

Debt collection: Other debt

Didn't receive enough information to verify debt
Complaint: XX/XX/2018 {$720.00} This is the first action Ive taken. The company has sent this balance to a debt collection agency without my knowledge of knowing about the debt
Company Response: Closed with explanation

Timely Response

2018-05-04

VA

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: In XX/XX/XXXX I received alerts on my credit a company had added collection account to my report. I never received a dunning letter for me to validate the debt or answer to the debt. I immediately sent a letter requesting proof of ownership of the debt, and proof I owed the debt as I do not owe any money to either companies. The company sent me a letter dated XX/XX/XXXX staying they would cease collecting on this account until they can prove validity. Then three days later they send out another letter stating its valid. They never sent me any information, contracts or proof I owe the debt. I have sent out a additional letter asking them to please remove this debt. I do not owe it. Nor did they validate the debt.
Company Response: Closed with explanation

Timely Response

2018-05-02

Grand View, ID

Written notification about debt

Debt collection: Other debt

Didn't receive notice of right to dispute
Complaint: XXXX has sold a debt collection account for an alleged {$120.00} outstanding balance owing from a XX/XX/XXXX cancellation of a XXXX account for my son, but for whom I was the accountholder of record. XXXX, their successors and assigns, absolutely refuse to verify that this is a legitimate debt. XXXX refused to talk to me when I inquired about the debt, since it had been sold to XXXX XXXX XXXX of XXXX, AL. XXXX reported this alleged outstanding debt to the 3 credit reporting agencies, significantly damaging my credit score. I attempted to contact XXXX regarding this debt, they also refused to discuss it, since they had re-sold it to the XXXX XXXX XXXX XXXX XXXX XXXX, also of XXXX, AL. I advised them that I wanted confirmation of the debt from XXXX, which they failed to provide before reselling this alleged debt yet again to Credence Resource Management of XXXX, TX, who also reported it a 2nd time to the 3 credit reporting agencies in XX/XX/XXXX, dropping my credit score yet again. I notified Credence that I was challenging the debt, and provided credit card statements showing payments to XXXX in XX/XX/XXXX and XX/XX/XXXX that should have cleared the outstanding balance. They advised they would contact XXXX for verification of the debt, which to date has not been received. In my opinion, XXXX is in wilful violation of the Fair Debt Collection Practices Act. They are engaged in disreputable credit collection practices in violation of the Act and willfully refuse to provide confirmation of the debt or address it.
Company Response: Closed with explanation

Timely Response

2018-05-01

San Diego, CA

Attempts to collect debt not owed

Debt collection: I do not know

Debt is not yours
Company Response: Closed with explanation

Timely Response

2018-04-30

NJ

Attempts to collect debt not owed

Debt collection: Other debt

Debt is not yours
Complaint: Credence Resource Manage claims I owe them {$1200.00}??? This was all settled a while back. The company customer service had spoke to me there was a settlement and some point and for some reason they never updated anything. I have tried contacting them to resolve this matter and It has gone no where.
Company Response: Closed with explanation

Timely Response

2018-04-28

East Rockaway, NY

Attempts to collect debt not owed

Debt collection: Other debt

Debt was paid
Complaint: A debt collector ( credence ) called my cell phone telling me that I owe money but when I called XXXX XXXX XXXX ( orginal phone company ) I was informed that I was not put in debt collections. I called back the collection agency who called me and they were telling me that i need to call XXXX on 3 way. I informed the representative that I am not calling XXXX on 3 way but i will inform FTC about their agency. Debt collection agency and representative : Credence resource management LLC XXXX XXXX-XXXX Telephone company : XXXX
Company Response: Closed with explanation

Timely Response

2018-04-26

Chandler, AZ

Written notification about debt

Debt collection: Other debt

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

Timely Response

2018-04-24

Attempts to collect debt not owed

Debt collection: Other debt

Debt was paid
Company Response: Closed with explanation

Timely Response

2018-04-23

Glen Easton, WV

Attempts to collect debt not owed

Debt collection: I do not know

Debt is not yours
Complaint: Constantly calling my house about a debt I DO NOT OWE. I am NOT responsible for anyone else 's debt. Repeatedly have contacted them on their website to tell them this, yet the calls keep coming.
Company Response: Closed with explanation

Timely Response

2018-04-18

Dallas, TX

False statements or representation

Debt collection: Other debt

Attempted to collect wrong amount
Complaint: I have an outstanding bill of {$310.00} that I am disputing. I have been dealing with XXXX XXXX XXXX and XXXX XXXX customer service teams sinceXX/XX/XXXX. My issue started when I initially tried to do a transfer of billing responsibility. After numerous 60+ min phone calls with their XXXX lines, I eventually went into an ATT store, where they advised me to just cancel my account and start over. They ensured me that I would not be charged for the months I was without cable ( XX/XX/XXXX) - however, I recently received a bill from a collection agency in XXXX. Followed by numerous harassing phone calls from the Collections Agency ( they've called me 12 times today alone, in the past hour ). When I did try to settle my bill with them, XXXX, the bill collection agency, was incredibly rude and threatening. Therefore, I tried to call XXXX XXXX XXXX and XXXX to resolve the bill directly with them, neither of who will actually take responsibility and offer any helpful solution. They are stating I have an outstanding bill for two months of service that were never paid. However, I did not have cable in my house from the months of XX/XX/XXXX In XX/XX/XXXX, my service was finally re-installed per XXXX XXXX XXXX XXXX suggestion, to set up a new account. I should not have to pay for two months of service I did not have, due to lack of record keeping. They are trying to say my services were not turned off until XX/XX/XXXX- which is not true. All in all, this has been the most miserable experience. There has not been a single customer service representative who has been able to provide me with a helpful solution, and instead I've been passed off from department to department, just to have to start my explanation over. I originally signed up for XXXX internet + cable, but through the transfer of billing responsibility, my bills were split and my headache began. I was never provided with a XXXX account number, login information, etc., I also called numerous times to have the information on the account switched, to which lead to never being saved. So, when I called to get assistance, I would spend 45 min just trying to log into the proper account because XXXX has no insight into XXXX XXXX and vice versa. Let me end by saying I have been dealing with this headache since XXXX XXXX XXXX, coming up on 9 months now. I am exhausted and would just like to a resolution. I don't feel its right I pay a $ 300+ bill, for services I did not have and an experience I deemed so terrible I ultimately *paid more* to cancel.
Company Response: Closed with explanation

Timely Response