Credence Resource Management, LLC

2018-04-17

Charlotte, NC

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

2018-04-15

CA

Attempts to collect debt not owed

Debt collection: Other debt

Debt is not yours
Complaint: I had an alleged Debt with XXXX XXXX for an XXXX that was showing up on my XXXX credit report. I sent XXXX XXXX a debt validation letter by certified Mail on XX/XX/XXXX. I have attached copy of certified receipt. XXXX never responded and the debt was deleted off of my XXXX Credit Report ( I have attached the letter of deletion from XXXX ). I was thinkng I have resolved this problem. On XX/XX/XXXX I received a letter from Credence Collection about of that same XXXX debt I do not owe and that was deleted off of my XXXX Credit Report. We followed the same procedure and sent Credence a validation letter onXX/XX/XXXX they received my dispute letter on XX/XX/XXXX ( I have attached paperwork and certified receipt ). I never received any validation of this debt from them, then On XX/XX/XXXXthis dept reported on my XXXX Credit report. They are not following the law under the FDCPA voilating my right under the FDCDA the right to dispute this debt. Credence never responded with any validation of proof to this debt. They never responded with any documents to prove this debt was a verifiable debt.Credence placed this debt on my XXXX credit report on XX/XX/XXXX. Credence stated if I do not notify their office within 30 days after receiving this notice that I dispute the validity of this debt, or any portion thereof this office this office will assume this debt is valid. I did by law what is my right sent them a validation letter. Credence is in blatant voilation of the FDCDA. The fact that this debt was disputed and removed from my XXXX credit report. Sold to Credence and they still have not validated this debt with me and is using my credit report to pay a debt I do not owe. Please Please Please help me in this Matter.
Company Response: Closed with explanation

Timely Response

2018-04-13

Bloomington, MN

Attempts to collect debt not owed

Debt collection: Other debt

Debt was result of identity theft
Complaint: I received a phone call from XXXX XXXX about a past due bill of {$230.00} on a account that should have been closed XX/XX/XXXX. I was told a phone was purchased in XXXX. XX/XX/XXXX sometime in XX/XX/XXXX and I explained it was fraud, I was not living in XXXX. at the time and lived in XXXX. I asked for them to explain how a phone could be purchased on a closed account and produce my signature or authorization they could not. The phone wasn't even being used with the number XXXX that was in question. I never received a bill and I was not contacted again. I moved back to XXXX. in XX/XX/XXXX and XXXX. was noted as owed dept. I went to the police station and made a police report and sent it to XXXX. XX/XX/XXXX. It was removed from my report. XX/XX/XXXX I received my report and Credence Resource Management posted a owed dept to all credit bureaus {$230.00}. I contacted them, told them this same thing they said a authorized user made the purchase and I told them that is impossible because I didn't live in XXXX. at the time the phone was purchased. I called XXXX XXXX and they said they would investigate. I told them it has been investigated, I sent a report and mailed it AGAIN to XXXX XXXX. I was told I would receive a call back and have not. I got a credit report XX/XX/XXXX and they reported it again. At this point I feel harassed and I have taken the necessary steps to prove this is fraud. I don't want to deal with this anymore.
Company Response: Closed with explanation

Timely Response

2018-04-11

Tampa, FL

Communication tactics

Debt collection: I do not know

Frequent or repeated calls
Complaint: This phone number calls about 90 times in one month, three times a day every single day. They leave empty voicemail every single time, with no information about the debt or how to contact them, for forcing us to delete dozens of empty voicemails every week.
Company Response: Closed with explanation

Timely Response

2018-04-10

FL

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 IS ATTEMPTING TO COLLECT A DEBT BY USING AN INTIMIDATION tactic by placing the UN-VALIDATED collection on my report. Under the law, they are NOT suppose to do that! That is considered collection activity! This Debt needs to be deleted immediately.
Company Response: Closed with explanation

Timely Response

2018-04-10

Austin, TX

Attempts to collect debt not owed

Debt collection: Other debt

Debt is not yours
Company Response: Closed with explanation

Timely Response

2018-04-10

Tuckasegee, NC

Incorrect information on your report

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

Information belongs to someone else
Company Response: Closed with explanation

Timely Response

2018-04-09

Northside, NC

Attempts to collect debt not owed

Debt collection: I do not know

Debt is not yours
Complaint: A number called my phone several times and finally after no Voicemails I called it back. After a long pause a call center type person came on said Credence Resource Management ( was calling from XXXX ) in a foreign voice. I stated I had no idea who they were and I felt they had a wrong number. They then asked if I was xxx ( who is my daughter ). My daughter is XXXX with no bad debt - only student loan and one credit card so I said why are you trying to reach my daughter and how did you get my number? He said its a personal matter. I said well this is my daughter you are referencing and I want to know how you got my number. He said I will take you off list and hung up on me. No idea why they were calling at all.
Company Response: Closed with explanation

Timely Response

2018-04-09

Coachella, CA

Attempts to collect debt not owed

Debt collection: Other debt

Debt was paid
Company Response: Closed with explanation

Timely Response

2018-04-08

Houston, TX

Attempts to collect debt not owed

Debt collection: Other debt

Debt is not yours
Company Response: Closed with explanation

Timely Response

2018-04-08

Centennial, CO

Attempts to collect debt not owed

Debt collection: Medical debt

Debt was paid
Company Response: Closed with explanation

Timely Response

2018-04-07

Columbus, OH

Attempts to collect debt not owed

Debt collection: Other debt

Debt is not yours
Company Response: Closed with explanation

Timely Response

2018-04-06

NC

Communication tactics

Debt collection: Other debt

Frequent or repeated calls
Complaint: On XX/XX/XXXX at XXXX XXXX I finally took a call from an unknown number who has repeatedly called my phone and would never leave a voicemail when my phone was unattended. When I answered, they told me that they were XXXX XXXX XXXX who has NO CONTRACT the debt apparently was sold to them from another collection agency who held the debt previously and they informed me they wanted me to pay the debt. I asked them to send me an invoice. They said they must first have my email address. I refused. They kept insisting then they put a supervisor on who sounded like the same man. And told me if I did not provide an email address they would provide me a mailed copy of an invoice. So I hung up.
Company Response: Closed with explanation

Timely Response

2018-04-05

Las Vegas, NV

Attempts to collect debt not owed

Debt collection: Medical debt

Debt is not yours
Company Response: Closed with explanation

Timely Response

2018-04-04

Flint, CA

Attempts to collect debt not owed

Debt collection: Medical debt

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

Timely Response

2018-04-03

TN

Attempts to collect debt not owed

Debt collection: Other debt

Debt is not yours
Complaint: XX/XX/15 XXXX I disputed with credit report and still being contacted as owed. I asked for proof and havent received it. I dont want this collection added to my credit report ( Credence XXXX
Company Response: Closed with explanation

Timely Response

2018-04-03

Bellaire, TX

False statements or representation

Debt collection: Other debt

Attempted to collect wrong amount
Complaint: CREDENCE RESOURCE MANAGEMENT violated federal law by not notifying me within ( 5 ) days before they REQUESTED a DELETED account to be REINSERTED back onto my credit file pursuant to 15 U.S. Code 1681i ( B ) ( i ) ( ii ) and ( iii ) Requirements relating to reinsertion of previously deleted material. Although this is not a refusal to pay ; however, your noncompliance within the ( 30 ) day timeframe is a violation of both the federal and state law according to the disclosure requirements of the Fair Debt Collection Practices Act and the Uniform Commercial Code ; yet, CREDENCE RESOURCE MANAGEMENT fail to meet the legal requirements by law.
Company Response: Closed with explanation

Timely Response

2018-03-29

Jacksonville, FL

Attempts to collect debt not owed

Debt collection: Other debt

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

Timely Response

2018-03-27

Roseville, MI

Communication tactics

Debt collection: Other debt

Frequent or repeated calls
Company Response: Closed with explanation

Timely Response

2018-03-26

Broadview Heights, OH

Attempts to collect debt not owed

Debt collection: Other debt

Debt is not yours
Company Response: Closed with explanation

Timely Response

2018-03-26

Waxahachie, TX

Attempts to collect debt not owed

Debt collection: Other debt

Debt was paid
Company Response: Closed with explanation

Timely Response

2018-03-22

Odell, OR

Attempts to collect debt not owed

Debt collection: I do not know

Debt is not yours
Complaint: I DO NOT OWE ANYONE ANY MONEY!!!!!!!!!!!!!!!!!!!!!!!!!!!!
Company Response: Closed with explanation

Timely Response

2018-03-21

York, PA

Written notification about debt

Debt collection: Medical debt

Didn't receive enough information to verify debt
Complaint: Credence attempted to collect a debt from me in 2016 for services that did not make sense. I referred them to my insurance company and never heard from them again. They contacted my ex-wife 18 months later for a similar debt, but with a different provider. I did not trust their account of the situation in 2016 and this further information tells me that they are fishing based on some illegitimate data.
Company Response: Closed with explanation

Timely Response

2018-03-15

Atl, GA

Attempts to collect debt not owed

Debt collection: Other debt

Debt was paid
Company Response: Closed with explanation

Timely Response

2018-03-13

Tarzana, CA

Attempts to collect debt not owed

Debt collection: Other debt

Debt was result of identity theft
Complaint: I found a collection on my credit reports from this company for a cell phone bill. I knew nothing about it before. Since it was identity theft ( I not only filed a police report, I found the person responsible and gave her name to the Sheriff 's Department - with pictures and proof ), I contacted the credit reporting agencies to inform them. Per the law, they are required to contact me before placing anything negative on my credit. They did not do so. They put negative information on my credit reports, causing my score to go down. When I contacted them, I was told that they used the information given to them by XXXX, which was incorrect and did not pursue anything further on their own. They are also required by law to report only true information. Since they used an incorrect address ( it was an intersection ) I never received notice that there was a collection. This went on even after they received the letter they claim they sent back since it was not a deliverable address, so they reported information they knew not to be true. I have lived at the same address for 7 years and had they looked for my proper information after receiving the mail back, I could have informed them of the identity theft. They have violated numerous laws and refuse to take responsibility for it. I filed a small claims case and their attorney all but ignored me, only to bump it up to District court. He also did not fulfill the mandated meet and confer requirements before filing a motion, but I will report that to the California bar and the presiding judge.
Company Response: Closed with explanation

Timely Response