Credence Resource Management, LLC

2017-07-18

Bethany, IN

Attempts to collect debt not owed

Debt collection: Medical debt

Debt was paid
Complaint: > Two ambulance rides were provided for a Veteran on XX/XX/XXXX by XXXX XXXX of Indiana. > Two claims were submitted to the VA for payment : # XXXX and # XXXX > VA paid # XXXX o n XX/XX/XXXX in amount of {$300.00}. EFT # XXXX VA paid # XXXX on XX/XX/XXXX in amount of {$290.00}. EFT # XXXX > XXXX XXXX claims to have no record of payment for # XXXX ; and sent Credence collections agency to seek payment from the Veteran directly. Previously, another collections agency was also hired to seek payment for both claims from the Veteran. > Despite being given the Electronic Funds Transfer number, the Tax ID to which it was paid - # XXXX and the bank account to which it was transferred - XXXX Acct. - XXXX , XXXX XXXX refuses to acknowledge payment and has only placed this account " on hold '' rather than closing this claim. > As a result of this process, the Veteran has suffered severe stress and has had his credit damaged for a debt that he was never responsible for and a debt that was satisfied by the VA as documented.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response Closed with non-monetary relief

Timely Response

2017-07-18

Hartsville, PA

Communication tactics

Debt collection: I do not know

You told them to stop contacting you, but they keep trying
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response Closed with explanation

Timely Response

2017-07-17

Pinellas Park, FL

Written notification about debt

Debt collection: Other debt

Didn't receive enough information to verify debt
Complaint: I received a notice that this company will no longer be pursuing this account, because they are not able to verify the " debt '' but it it still showing on my credit reports.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response Closed with explanation

Timely Response

2017-07-16

San Diego, CA

Written notification about debt

Debt collection: Medical debt

Didn't receive enough information to verify debt
Complaint: At issue : -Debt owed for ambulance ride on XXXX / XXXX /17 via XXXX XXXX XXXX -Amount {$2100.00} -Date XXXX XXXX /17- XXXX / XXXX /17 -no advertising, no contract, no receipt for services. I received a call on XXXX / XXXX /2017 regarding a debt owed. The caller identified himself as a debt collector associated with Credence and identified the party owed as an ambulance company and the amount owed as {$2100.00}. Up until this call, I was unaware that there was ANY outstanding debt. I had been involved in an auto accident and was transported via ambulance to an emergency room on XXXX / XXXX /2017 ( the collections call came less than six weeks after the incident in which I had incurred the debt! ). On XX/XX/XXXX I told the caller that I would be happy to arrange payment, ( as I had insurance ) but that I had never seen an invoice or any other information about the debt ... no bill, no emails, no calls, nothing from the ambulance service or otherwise. I gave my address and asked the caller to send me an invoice showing the amount owed and who it was owed to. I was told that, at this time, that it would take 5-10 days for the invoice to arrive and asked if I would like to arrange payment in the meantime. At this point I was thinking that this was a scam. ( XX/XX/XXXX call time 2 minutes ) On XX/XX/XXXX I received another call from the same number and operator regarding the same debt. I informed him that I had not received the invoice and was not convinced that it was a legitimate debt. He again insisted that it was legitimate and that I arrange payment. He also insisted that I should have received the invoice even though he had initially indicated that it would take 5-10 days. I informed him that I had not and hung up. ( XX/XX/XXXX call time 6 minutes ) On XX/XX/XXXX I called my insurance company and the hospital that I had been taken to and neither had any record of an ambulance billing. I was eventually able to get the get the name of the ambulance service and contact them. ( XXXX XXXX XXXX XXXX ). I asked them to send me an invoice and was told that it had been sent to collections. ( Again, just 6 weeks after the incident had occurred ). On XX/XX/XXXX I also received a 3rd call from the same operator at Credence Collections. He again insisted that I had received the information I had requested ( I had not ) and again insisted that I arrange payment. ( XX/XX/XXXX call time 3 minutes ). From the time I had asked for Credence to send me an invoice, 6 days had elapsed and I had received 2 additional calls regarding collection of the debt! On XX/XX/XXXX I received 2 exact copies of the invoice I had requested in the mail, both of them date XX/XX/XXXX and both of them post-marked XX/XX/XXXX . If this is n't harassment I do n't know what is. I have reached out to XXXX XXXX and they have agreed to bill my insurance company as they should have. They had made absolutely no attempt to reach out to me, the hospital that I was transported to, or my insurance company regarding this matter, instead immediately sending an aggressive collections agency after me. My issue is both with with XXXX and their policy of sending customers to collections without having ever initially billed them or making a good-faith attempt at contacting them. AND with Credence for having clearly violated fair debt collection practices by incessantly contacting me about a debt that they had yet to send me an invoice on after I had requested said invoice. I believe that a resolution of the debt is in the works, via XXXX and My insurance company. I would like to see Credence made aware of, and/or fined for their incessant, aggressive, and illegal attempts at collecting this debt ( having been asked for an invoice and not immediately sending it as well as not allowing time for it to be received ). -Attached is the first and ONLY written correspondence that I have ever received regarding this matter.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response Closed with explanation

Timely Response

2017-07-16

Chicago, IL

Attempts to collect debt not owed

Debt collection: Other debt

Debt is not yours
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response Closed with explanation

Timely Response

2017-07-16

San Diego, CA

Communication tactics

Debt collection: Medical debt

Frequent or repeated calls
Complaint: At issue : -Debt owed for ambulance ride on XXXX / XXXX /17 via XXXX XXXX XXXX -Amount {$2100.00} -Date XXXX / XXXX /17- XXXX / XXXX /17 -no advertising, no contract, no receipt for services. <P/> I received a call on XXXX / XXXX /2017 regarding a debt owed. The caller identified himself as a debt collector associated with Credence and identified the party owed as an ambulance company and the amount owed as {$2100.00}. Up until this call, I was unaware that there was ANY outstanding debt. I had been involved in an auto accident and was transported via ambulance to an emergency room on XXXX / XXXX /2017 ( the collections call came less than six weeks after the incident in which I had incurred the debt! ). On XX/XX/XXXX I told the caller that I would be happy to arrange payment, ( as I had insurance ) but that I had never seen an invoice or any other information about the debt ... no bill, no emails, no calls, nothing from the ambulance service or otherwise. I gave my address and asked the caller to send me an invoice showing the amount owed and who it was owed to. I was told that, at this time, that it would take 5-10 days for the invoice to arrive and asked if I would like to arrange payment in the meantime. At this point I was thinking that this was a scam. ( XX/XX/XXXX call time 2 minutes ) On XX/XX/XXXX I received another call from the same number and operator regarding the same debt. I informed him that I had not received the invoice and was not convinced that it was a legitimate debt. He again insisted that it was legitimate and that I arrange payment. He also insisted that I should have received the invoice even though he had initially indicated that it would take 5-10 days. I informed him that I had not and hung up. ( XX/XX/XXXX call time 6 minutes ) On XX/XX/XXXX I called my insurance company and the hospital that I had been taken to and neither had any record of an ambulance billing. I was eventually able to get the get the name of the ambulance service and contact them. ( XXXX XXXX XXXX XXXX ). I asked them to send me an invoice and was told that it had been sent to collections. ( Again, just 6 weeks after the incident had occurred ). On XX/XX/XXXX I also received a 3rd call from the same operator at Credence Collections. He again insisted that I had received the information I had requested ( I had not ) and again insisted that I arrange payment. ( XX/XX/XXXX call time 3 minutes ). From the time I had asked for Credence to send me an invoice, 6 days had elapsed and I had received 2 additional calls regarding collection of the debt! On XX/XX/XXXX I received 2 exact copies of the invoice I had requested in the mail, both of them date XX/XX/XXXX and both of them post-marked XX/XX/XXXX . If this is n't harassment I do n't know what is. <P/> I have reached out to XXXX XXXX and they have agreed to bill my insurance company as they should have. They had made absolutely no attempt to reach out to me, the hospital that I was transported to, or my insurance company regarding this matter, instead immediately sending an aggressive collections agency after me. <P/> My issue is both with with XXXX and their policy of sending customers to collections without having ever initially billed them or making a good-faith attempt at contacting them. AND with Credence for having clearly violated fair debt collection practices by incessantly contacting me about a debt that they had yet to send me an invoice on after I had requested said invoice. I believe that a resolution of the debt is in the works, via XXXX and My insurance company. I would like to see Credence made aware of, and/or fined for their incessant, aggressive, and illegal attempts at collecting this debt ( having been asked for an invoice and not immediately sending it as well as not allowing time for it to be received ). <P/> Attached is the FIRST and ONLY written communication that I have EVER received regarding this matter.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response Closed with explanation

Timely Response

2017-07-14

Dallas, TX

Written notification about debt

Debt collection: Other debt

Didn't receive enough information to verify debt
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response Closed with explanation

Timely Response

2017-07-14

Fair Oaks, CA

Attempts to collect debt not owed

Debt collection: Other debt

Debt is not yours
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response Closed with explanation

Timely Response

2017-07-14

Cocoa, FL

Incorrect information on your report

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

Information belongs to someone else
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response Closed with explanation

Timely Response

2017-07-13

Fort Worth, TX

Attempts to collect debt not owed

Debt collection: Other debt

Debt is not yours
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response Closed with explanation

Timely Response

2017-07-13

Louisville, KY

Communication tactics

Debt collection: Medical debt

Used obscene, profane, or other abusive language
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response Closed with explanation

Timely Response

2017-07-09

FL

Attempts to collect debt not owed

Debt collection: I do not know

Debt is not yours
Complaint: Debt does not belong to me and after research I have found Credence Resource Management does not have License to collect in my state which is Florida
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response Closed with explanation

Timely Response

2017-07-05

Brisas De Canovanas, PR

Attempts to collect debt not owed

Debt collection: Other debt

Debt is not yours
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response Closed with explanation

Timely Response

2017-07-03

Miami, FL

Written notification about debt

Debt collection: Other debt

Didn't receive enough information to verify debt
Complaint: Since XX/XX/XXXX Credence Resource Management frequently harassed me in attempt to collect an alleged phone bill debt I owed. I asked them to verify the debt, they ignored the dispute letters I sent and reasserted their claim I owed {$690.00} on my XXXX credit report. As per FTC opinion letter from Attorney XXXX XXXX XXXX, creditors/collection agencies should be aware that a printout of a bill or itemized document does not constitute verification. <P/>On XX/XX/XXXX, I decided to pay them the money to stop the harassment and delete the negative trade line off my credit reports. Till this day they continue to report derogatory information on my XXXX credit report. Given that Credence Resource Management acted in bad faith, and have not complied with federal and state laws, I told them I will seek damages against Credence Resource Management seeking damages for Defamation, Violation of the Fair Credit Reporting Act ( including but not limited to Section 623-b ), and Violation of the Fair Credit Reporting Act ( including but not limited to Section 623-b ).
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response Closed with explanation

Timely Response

2017-06-26

Chicago, IL

Incorrect information on your report

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

Information belongs to someone else
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response Closed with explanation

Timely Response

2017-06-26

Visalia, CA

Attempts to collect debt not owed

Debt collection: Other debt

Debt was paid
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response Closed with explanation

Timely Response

2017-06-23

Jupiter, FL

Attempts to collect debt not owed

Debt collection: I do not know

Debt is not yours
Complaint: Credence Resource Management LLC sent me a debt collection letter for an alleged debt I do not owe. When I called and spoke with them they were rude and hostile which is a flagrant violation of the Fair Debt Collections Practices Act. I have never heard of Credence Resource Management LLC nor do I owe them any alleged debt. I do n't want any further communication from them in any form. Their hostile debt collection tactics are flagrant violations of the Fair Debt Collections Practices Act.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response Closed with non-monetary relief

Timely Response

2017-06-21

NY

Written notification about debt

Debt collection: Other debt

Didn't receive notice of right to dispute
Complaint: On XXXX / XXXX / XXXX I recieved a past due bill of {$150.00} from XXXX XXXX XXXX that is due by XXXX / XXXX / XXXX . I was advised the account was closed and My name was no longer associated with the account. Today on XXXX / XXXX / XXXX I also recieved a letter dated XXXX / XXXX / XXXX from the credence resource management , LLC that they were attempting to collect {$150.00} on behalf of XXXX XXXX XXXX . I was never made aware that I was still on the account associated with the bill and made several attempts to contact XXXX XXXX XXXX to dispute the charges, where I was transferred to several agents that stated the account number I was associated with was closed and had a {$0.00} balance. XXXX XXXX XXXX also stated I would need to contact the collection agency to resolve the matter.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response Closed with explanation

Timely Response

2017-06-21

Saint Clair, MO

Attempts to collect debt not owed

Debt collection: Medical debt

Debt is not yours
Complaint: I was involved in an accident at work and was transported in Ambulance. As part of Workers Compensation this ambulance amount was paid by Workers Compensation company XXXX XXXX XXXX company. I received letter from Credence Resource Management LLC that I still owe money and is up for collection. I also received called from them and i informed them to contact the workers insurance and also my lawyer. Now they are trying to collect this debt from me sending me debt notice. This is really XXXX me and i am just trying to come out of the accident i was involved.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response Closed with explanation

Timely Response

2017-06-16

Plymouth, FL

Incorrect information on your report

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

Information belongs to someone else
Complaint: While trying to apply for refinancing our home with my husband, we discovered there was an account that had a large debt : {$3000.00} w ith Credence Resource Management, w ith the account being opened XX/XX/XXXX . I discovered it by signing up with XXXX XXXX . XXXX is the company reporting it. We called the debt collector to find out what the original charge was for. When verifying my name and la st 4 of my Social, he repeated back to me an incorrect address. The address he had on file is in another state from the one I have resided in for the last 28 years. He stated that it was for XXXX in XX/XX/XXXX and the account closed about 1 year later. I have never applied for anything with XXXX or XXXX XXXX XXXX . We told them we would try to resolve the matter ourselves and hung up. I attempted to obtain my one free annual credit report from XXXX , so I actually had a solid report on file. I was unable to proceed as they were " Unable to Confirm Identity '' with the information I gave. Going through the initial process, some of the questions that were asked about my identity gave questionnaire selections for the out of state address in XXXX , GA. I have not and do not live in XXXX , GA. I would like to know how I can get this fictitious debt cleared off of my credit report and what steps I need to take if someone used my Social Security number. Thank you.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response Closed with explanation

Timely Response

2017-06-16

Saint Petersburg, FL

Written notification about debt

Debt collection: Other debt

Didn't receive notice of right to dispute
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response Closed with explanation

Timely Response

2017-06-15

Brisas De Canovanas, PR

Attempts to collect debt not owed

Debt collection: I do not know

Debt is not yours
Complaint: Credence Resource Mana h ad not lend me any money and they are billing me XXXX XXXX XXXX
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response Closed with explanation

Timely Response

2017-06-14

Nyc, NY

Written notification about debt

Debt collection: Other debt

Didn't receive enough information to verify debt
Complaint: On XXXX XXXX , 2017 I wrote a dispute letter in regards to an {$890.00} XXXX co llections with Credence Resource Management LLC. The le tter was sent certified read-receipt, and was received on XXXX XXXX according t o USPS. <P/> XXXX XXXX XXXX XXXX In the letter, I requested very specific documentation proving that I owe this debt. I do not believe I owe this debt as I made a {$600.00} payment to XXXX around 5 years ago clearing the debt I had with them. I recently called XXXX and they told me they have no information at all about this debt, and to deal with Credence Resource Management direct ly in regards to the issue.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response Closed with explanation

Timely Response

2017-06-13

Longview, TX

Attempts to collect debt not owed

Debt collection: Other debt

Debt is not yours
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response Closed with explanation

Timely Response

2017-06-09

San Quentin, CA

Attempts to collect debt not owed

Debt collection: Medical debt

Debt is not yours
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response Closed with explanation

Timely Response