Credence Resource Management, LLC

2017-11-01

Scottsdale, AZ

Attempts to collect debt not owed

Debt collection: Other debt

Debt was paid
Complaint: I had an account with XXXX XXXX XXXX # XXXX XXXX. I recently closed the account and paid it off in full. However, I am getting repeated calls from someone called Credence Resource Management. I have been contacted by them twice in the past 24 hours. I do not owe anything but yet the calls keep coming.
Company Response: Closed with explanation

Timely Response

2017-10-30

Gr, MI

Attempts to collect debt not owed

Debt collection: I do not know

Debt is not yours
Company Response: Closed with explanation

Timely Response

2017-10-25

San Gabriel, CA

Attempts to collect debt not owed

Debt collection: Other debt

Debt is not yours
Complaint: Since XXXX, we have been getting mail from different debt collection companies who say that we owe money for a XXXX account that we did not open. The account was first under my wife 's name and we did pay the full amount once out of confusion, then later realized we did n't use that account with XXXX. Later, after contacting the most recent debt collection company, XXXX XXXX XXXX XX/XX/XXXX to dispute another debt collection mail received, they told us to just pay half the amount and then the problem would be solved. As ofXX/XX/XXXX, XXXX XXXX XXXX said the account has been resolved. Yet after we did that, I have received another mail in XX/XX/XXXX stating a debt of {$80.00} from Credence Resource Management , LLC. This time, the account is under my name and not my wife 's, but we did not open this account.XX/XX/XXXX I called XXXX and they also confirmed that they do not work with this debt collection company.
Company Response: Closed with explanation

Timely Response

2017-10-25

Houston, TX

Attempts to collect debt not owed

Debt collection: Other debt

Debt was paid
Company Response: Closed with explanation

Timely Response

2017-10-23

Conyers, GA

Attempts to collect debt not owed

Debt collection: Other debt

Debt is not yours
Company Response: Closed with explanation

Timely Response

2017-10-23

Chula Vista, CA

Attempts to collect debt not owed

Debt collection: Other debt

Debt was paid
Company Response: Closed with explanation

Timely Response

2017-10-17

Morgan Hill, CA

Attempts to collect debt not owed

Debt collection: Medical debt

Debt is not yours
Company Response: Closed with explanation

Timely Response

2017-10-17

Chester, PA

Written notification about debt

Debt collection: Other debt

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

Timely Response

2017-10-15

Clayton, MO

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: XXXX XXXX XXXX is a wireless provider I opened an account with in XX/XX/XXXX which is account # XXXX Later I noticed that XXXX XXXX XXXX reported my newly esta.0blished account to the credit bureaus saying that I owed {$860.00} by adding on a balance from an old account over 6 years ago. XXXX XXXX XXXX XXXX can not get monies from an old account and place or transfer it to another account in question. Credence Resource Management a collection agency was their collector. Therefore, the debt was cancelled and there is " NO CONTRACT '' The debt was sold and XXXX XXXX XXXX XXXX wrote debt of {$860.00} off on their taxes years ago. I told the credit bureaus that but to this date it is still unresolved. That old account can not be merged into a new account of mines and then state to continue on credit bureau report until XX/XX/XXXX. When in fact that old account supposed to been removed some time ago. Especially after 7 years. The account being reported is a different one with different account number ( partial # XXXX ) and saying it was opened in XX/XX/XXXX ; When in fact it was not it was over 6 years ago. So how can XXXX XXXX XXXX just merge new account information with an old account to impact a person credit report negatively according to the law. this is a XXXX company as well and the 2 year rule is outdated. I am requesting that this negative & falsified and manipulative information be remove.
Company Response: Closed with explanation

Timely Response

2017-10-13

Scottsdale, AZ

Attempts to collect debt not owed

Debt collection: Other debt

Debt is not yours
Complaint: I have been called several times a day everyday about a medical debt I know I paid. The calls come from Credence Resource Management at XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX. XXXX XXXX XXXX XXXX. The phone numbers they use change everyday. The last four from just today and yesterday have been XXXX, XXXX, XXXX, XXXX. Its all Credence Resource Management. I have spoken to them several times and explained the medical bill was paid by a third party. It does not show up on my credit report.
Company Response: Closed with explanation

Timely Response

2017-10-12

Baltimore, MD

Attempts to collect debt not owed

Debt collection: Other debt

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

Timely Response

2017-10-05

Presque Isle, ME

Attempts to collect debt not owed

Debt collection: Other debt

Debt was paid
Company Response: Closed with explanation

Timely Response

2017-10-04

South Florida, FL

Attempts to collect debt not owed

Debt collection: Other debt

Debt is not yours
Complaint: in XXXX XXXX, i transferred my account from XXXX XXXX into XXXX XXXX XXXX which # were XXXX and XXXX- XXXX- XXXX. i purchased a XXXX XXXX XXXX from XXXX XXXX XXXX for the # XXXX, and i brought with me an XXXX XXXX XXXX that i purchased from XXXX XXXX. at the XXXX XXXX XXXX store, i was told that the phone # ends XXXX can not transferred because XXXX XXXX did not release the # therefore, they gave a different # to replace the XXXX which is XXXX- XXXX-XXXX, and also told that the phone # XXXX XXXX XXXX is no longer in service. when i contacted XXXX XXXX XXXX regarding the bill that the sent me, the representative told me that the # is not in used, but i still need to make the payment because the line is open {$81.00}
Company Response: Closed with explanation

Timely Response

2017-10-02

FL

False statements or representation

Debt collection: Other debt

Attempted to collect wrong amount
Company Response: Closed with explanation

Timely Response

2017-10-01

Glendale, AZ

Communication tactics

Debt collection: Medical debt

Frequent or repeated calls
Company Response: Closed with explanation

Timely Response

2017-09-29

Chulafinnee, AL

Attempts to collect debt not owed

Debt collection: Other debt

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

Timely Response

2017-09-28

Warrenton, VA

Written notification about debt

Debt collection: Medical debt

Notification didn't disclose it was an attempt to collect a debt
Company Response: Closed with explanation

Timely Response

2017-09-26

Quartzsite, AZ

Communication tactics

Debt collection: I do not know

Frequent or repeated calls
Complaint: Several phone calls a day from ( XXXX ) XXXX. They never leave a message and sometimes hang up after 2-3 rings. I looked up this company online and they are located in Texas. But, the area code is XXXX ( an Arizona area code ). Additionally, I have called them a few times and it seems like an overseas call center.
Company Response: Closed with explanation

Timely Response

2017-09-25

Edgewood, FL

Attempts to collect debt not owed

Debt collection: Other debt

Debt was paid
Company Response: Closed with explanation

Timely Response

2017-09-21

Leeton, UT

Attempts to collect debt not owed

Debt collection: Other debt

Debt is not yours
Complaint: I am writing this letter because I was told that I have to even though I was told that this issue was going to be resolved in XXXX of 2017. In XXXX of 2017 I had a receiver stop working and when I called to try and have the problem fixed I was told that I would have to either pay to have a technician come out or agree to a new two-year contract to get new equipment. Having been a loyal customer for five years I did not like the two options that were given to me and decided to cancel my service as I was knew I was not bound to any contract at that point. I was then sent a box to return two receivers. I actually had three receivers at the time and decided to return all three. After this, I told my wife to shop around for a new TV service and she did and ended up signing up for XXXX again. A few weeks later I received a bill in the mail saying that I did not return my receivers so I gave you guys a call to clear up the matter. I spoke with an extremely nice man from Arizona that said that the bill had been sent out before the receivers had been received and that it would be resolved no problem. At this time he noticed that my account had been deactivated and that another one had been opened in my wifes name. He said that since I had been such a good customer that he would be able to merge our accounts together in order to get us some really good deals so I agreed. He got most everything set up and then said he had to transfer me to what I believe was an account specialist and this is when everything turned south and where I believe this whole problem is stemming from. I was then transferred to and incredibly rude young man that said merging accounts was not possible. So I told him thats what I was just told by the previous employee and he refused to look into it. Because of this I told him to cancel everything the previous employee set up if he wasnt going to do what I was quoted. After this I was under the belief that things were just going to be like what my wife set up. About a month after this ordeal I received another bill. I called again and eventually talked to a very helpful woman and she supposedly got to the bottom of it when I explained the whole situation. She also told me that merging accounts was in fact possible and that the rude young man I spoke to was in the wrong. I spent over an hour on the phone and she told me that she had it all figured out and that I would be receiving another bill but to just disregard it. Once again I figured this matter would be taken care of. About another month later I received another bill. Once again I had to waist a considerable amount of time explaining the exact same situation to multiple people. Once again I was told that this matter would be resolved but I was reluctant to believe it so I asked for a phone number that I could call if not and so she gave me the number XXXX and a pin of XXXX. I just received a letter from collections in the amount for the bill I have been receiving. I called today to figure out what was going on and tried using the phone and pin number I was given but it did not work and I was told that the bill was for an early termination fee and that the only way to deal with the matter was to send a hand written letter to the XXXX disputes address. I dont know how could possibly receive a bill for early termination when I was with the company for 5 years and no longer under contract and now that my wife is signed up and still paying her bill. The phone number that was on this account that was supposedly terminated early wasnt even correct so I dont know how it got created in the first place. I then gave the correct phone number and I was told that I would receive a call back from a supervisor, which not surprisingly did not happen. On the collections letter I received it said that I could call a number within 30 days to dispute the claim and that otherwise it would be assumed as valid. So I called to tell them that I was disputing the bill and the man tried to talk me out of it and was very difficult to understand but I believe he was trying to tell me that I was in the wrong when I have no doubt he did not understand the situation. This whole experience has been extremely frustrating and is now causing me great stress and anxiety over my credit getting dinged. I have never missed a payment in my life and have worked very hard to achieve a high standing credit rating. I have also wasted a considerable amount of time that I do not have a lot of, especially for dealing with situations that should not take this much effort to resolve. I have absolutely zero doubt that when the monitored phone calls are reviewed that it will be determined that I am telling the truth of what happened
Company Response: Closed with explanation

Timely Response

2017-09-18

Goffstown, NH

Communication tactics

Debt collection: I do not know

Frequent or repeated calls
Company Response: Closed with explanation

Timely Response

2017-09-14

El Paso, TX

Written notification about debt

Debt collection: Other debt

Didn't receive notice of right to dispute
Complaint: Credence Resource Management has been calling my cell phone for the last 2-3 months trying to collect {$180.00} for an old XXXX XXXX XXXX bill my wife did not pay. I tell them that they are calling the wrong number and give them my wife 's cell number. They continue to call me from an offshore call center speaking XXXX with an unusual accent. They only ask my relationships with the debtor, not my name, then give me her address and only ask if it is right. I say yes and then they continue to tell me who they are, what company they work for for, that it is an attempt to collect a debt and the phone call may be recorded. After about 15 calls I asked to speak to a supervisor. I notified him that my wife wanted to take care of the debt but was disputing the amount. The supervisor " checked '' the amount and verbally confirmed it was the right balance. I informed the supervisor that I wished to dispute the balance and requested a breakdown or proof of the debt by mail. We never received the proof and now the phone calls are coming more often. I received yet another call just a few minutes ago. I let the gentleman on the other end know that he was violating FDCPA laws by giving me information about the debtor and her account. The gentleman who stated he was in XXXX was not aware of any laws transfered me to another supervisor. The supervisor said he was going to check the times I had been called. He came back on the line very apologetic and informed me that he would remove my number and that I would not receive any more calls from their company. I thanded him but asked him for his company 's information so I could file a complaint. The supervisor hesitated then hesitantly gave me the company name. I asked him for the company address. He said he was not authorized to give me anymore information. He then put me on hold then returned with a company e-mail to file my complaint. I informed him that I would be filing a complaint with the authorities. He said that it was not necessary and asked me not to file a complaint.
Company Response: Closed with explanation

Timely Response

2017-09-14

Allentown, PA

Written notification about debt

Debt collection: Other debt

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

Timely Response

2017-09-13

Hon, HI

Written notification about debt

Debt collection: Other debt

Didn't receive notice of right to dispute
Complaint: In XXXX, I opened an account with XXXX. Due to their complete data outage and my relocation to an area with already spotty service, conditions in the original contract were not able to be upheld, I decided to terminate within my rights. I was advised by a XXXX service representative that due to my status as an XXXX XXXX Military member and my protections under the Service Members Relief Act that I would not have to pay a termination fee. In XXXX, a collection agency attempted to collect on the {$260.00} that was waived 4 years prior by XXXX. I filed complaints and disputed the charge and it was dropped for a period of time. Every 2-3 years, another collection company would try to collect on this invalid debt, posting it as a newer charge/account which is entirely against provisions in the Fair Debt Collection Practices Act. Credence Resource Management has also failed to adhere to the provisions set forth in the Fair Debt Collection Practices Act by failing to notify me of the collection in writing. According to the Fair Debt Collection Practices Act, Credence Resource Management must tell a debtor : 1 ) the amount of the debt, 2 ) the name of the creditor, 3 ) the fact that unless the consumer disputes the validity of the debt within 30 days, the debt will be considered valid, and 4 ) that the consumer can ask for verification of the debt. I never received any type of notification from this company, in fact, I was never given any type of notice after I had already filed other disputes that were settled in my favor through the CFPB [ Case number : XXXX ] and through the individual credit reporting agencies. Credence Resource Management has also posted this collection as a new charge/account to the credit agencies, even though the original debt is now passed the State statute of limitations.
Company Response: Closed with explanation

Timely Response

2017-09-12

Attempts to collect debt not owed

Debt collection: Medical debt

Debt was paid
Complaint: I am continually receiving collection phone calls from Credence Resource XXXX I was given a reference # XXXX re : a XXXX bill. My insurer has confirmed this bill to be paid to the original debtor XXXX XXXX XXXX. However, Credence continues to call me XXXX regarding this bill which is no longer owed. I phoned XXXX XXXX XXXX XXXX XXXX XXXX, XXXX ) and they have confirmed that this bill has been paid and that they do not deal with Credence for collection. Additionally, accordingly XXXX XXXX XXXX never sent this bill for collection. How do I make these collection phone calls to stop?
Company Response: Closed with explanation

Timely Response