Credence Resource Management, LLC

2017-06-09

Aurora, CO

Communication tactics

Debt collection: Medical debt

Frequent or repeated calls
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response Closed with explanation

Timely Response

2017-05-17

Torrance, 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

2017-05-16

TX

Attempts to collect debt not owed

Debt collection: Other debt

Debt was result of identity theft
Complaint: I 've tried disputing a fraudulent collection account on my credit report. I 've sent letters to the agency and have gotten little response. My official complaint is against CREDENCE RESOURCE MANAGEMENT for reporting credit information to the credit reporting agencies that was a result of Identity Theft Ive asked in my letter that the negative reporting ceases and the information be removed from my credit report.
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

2017-05-11

Providence, RI

Attempts to collect debt not owed

Debt collection: Other debt

Debt was result of identity theft
Complaint: I RECEIVED AN EMAIL IN XXXX FROM XXXX XXXX XXXX XXXX ME TO CHANGE MY PASSWORD. I THOUGHT IT WAS STRANGE BECAUSE I WAS A XXXX CUSTOMER SINCE XXXX . I CALLED XXXX XXXX XXXX TO INQUIRE ABOUT THE EMAIL AND THEY STATED THAT IT WAS FROM MY ACCOUNT. I TOLD THE XXXX I DID NOT HAVE AN ACCOUNT WITH HER COMPANY AND WANTED THIS INVESTIGATED. SHE STATED THAT THE ACCOUNT WAS OPENED IN XXXX . I ASKED WHO WAS PAYING THE BILL ALL THESE YEARS AND SHE STATED SHE COULD NOT GIVE ME THAT KIND OF INFO. I REFUSE TO PAY FOR A CELL PHONE BILL THAT DOES NOT BELONG TO ME. XXXX XXXX XXXX SOLD THE COLLECTION TO CREDENCE RESOURCE MANAGEMENT WHO IN TURN HAD THE NERVE TO PUT THIS BOGUS ACCOUNT ON TO 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

2017-05-10

Gentilly, LA

Written notification about debt

Debt collection: I do not know

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

2017-05-08

Manteno, IL

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

2017-05-06

Bangor, ME

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

2017-05-04

FL

Communication tactics

Debt collection: I do not know

Called before 8am or after 9pm
Complaint: received calls before XXXX and it 's someone from XXXX stating I own money and I ask to remove my number and keeps calling
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response Closed with explanation

Timely Response

2017-05-04

Florence, MS

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

2017-05-03

Boston, MA

Attempts to collect debt not owed

Debt collection: I do not know

Debt is not yours
Complaint: Credence Resource Management r eported to the credit bureaus incorrect information about a debt I know nothing about and does no owe. I was made aware of this when I checked my credit report and noticed a submission that was made XXXX 2017 . I called Credence to report the error and my report remained unchanged despite the fact that the information reported is false.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response Closed with explanation

Timely Response

2017-05-02

Clermont, FL

Written notification about debt

Debt collection: I do not know

Didn't receive enough information to verify debt
Complaint: A company called Credence Resource Management is incorrectly reporting a debt of {$740.00} on my credit report. I have never had any dealings or communication with this company so there is no reason for them to be reporting an unpaid debt on my credit. The account number they are reporting on my credit is : " XXXX ''. This is not the only company who is doing this. Another collection company under the name " XXXX XXXX '' is also reporting the same exact {$740.00} debt on my credit with a different account number. It seems these XXXX companies are trying to service an account with XXXX XXXX but I do n't even use XXXX XXXX . Is n't it illegal for XXXX different collection companies to try and collect on the same debt? As proof, I am including a screenshot from a recent report which shows how XXXX XXXX is ALSO reporting this to my credit. This appears to be a scam effort by these XXXX companies and the information I have found online only leads me to negative reviews and harassment stories by other consumers. I will not give my money to a company I do not recognize and who will not tell me why they want me to pay them.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response Closed with explanation

Timely Response

2017-04-28

Phoenix, AZ

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

2017-04-27

Aberdeen, PA

Took or threatened to take negative or legal action

Debt collection: Other debt

Threatened or suggested your credit would be damaged
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response Closed with explanation

Timely Response

2017-04-26

San Diego, CA

Attempts to collect debt not owed

Debt collection: Medical debt

Debt was paid
Complaint: I had an accident and was transported to a hospital by XXXX XXXX XXXX XXXX on XXXX / XXXX / XXXX They are located at XXXX XXXX XXXX XXXX XXXX XXXX . XXXX XXXX XXXX CA. XXXX Phone XXXX . XXXX XXXX sent me a bill for {$2500.00} and I gave them my Health Insurance information ( XXXX XXXX ). XXXX XXXX paid them the contracted amount of {$2000.00}. Since they had a contract with XXXX XXXX they have agreed to accept that amount for their service. I do not owe them the difference. They sent me a bill saying I owed the difference. I called them with XXXX XXXX on the phone and XXXX XXXX confirmed that I did not owe them anything because they had been paid the contractual amount. They sent me another bill, I conference called XXXX XXXX again and we told them the same thing. Now they have sent the account to collections. I called them AGAIN and told them I do not owe them. XXXX XXXX faxed them an explanation of benefits to prove this. I am still receiving collection calls and letters.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response Closed with explanation

Timely Response

2017-04-21

Houston, TX

Disclosure verification of debt

Debt collection: Other (i.e. phone, health club, etc.)

Not given enough info to verify debt
Company Response: Closed with explanation

Disputed: No Timely Response

2017-04-20

Tucson, AZ

Cont'd attempts collect debt not owed

Debt collection: Medical

Debt is not mine
Complaint: I woke up in a hospital on someday in XXXX . It 's XXXX and I 'm getting repeated phone calls from a collection agency stating that I owe over a {$1000.00} dollars for an ambulance ride. I had active medical coverage at the time. This should have been billed to my insurance because it was active during that time. The ambulance company ma de zero at tempt to notify of my bill. The bill was never mailed to my address , ( wh ich they had on file ), and no email was ever sent ( which they have my email as well ). And no p hone calls were made in an attempt to reach me. Now it is too late for this bill to be ran through my insurance because the claim is too old.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response Closed with explanation

Disputed: No Timely Response

2017-04-20

Carrollton, TX

Disclosure verification of debt

Debt collection: I do not know

Not given enough info 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

Disputed: No Timely Response

2017-04-20

Bohemia, NY

Disclosure verification of debt

Debt collection: Other (i.e. phone, health club, etc.)

Not given enough info 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

Disputed: No Timely Response

2017-04-19

Vicksburg, MI

Cont'd attempts collect debt not owed

Debt collection: I do not know

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

Disputed: No Timely Response

2017-04-17

Benton, AR

Cont'd attempts collect debt not owed

Debt collection: Credit card

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

Disputed: No Timely Response

2017-04-12

Tempe, AZ

Cont'd attempts collect debt not owed

Debt collection: Medical

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

Disputed: No Timely Response

2017-04-12

Hampton, VA

Cont'd attempts collect debt not owed

Debt collection: Medical

Debt was paid
Complaint: I am submitting this complaint for my elderly mother, who had medical transport from XXXX ( XXXX XXXX XXXX ) twice, from the hospital to a XXXX, with charges of {$910.00} and {$850.00}. Both of these were paid, but XXXX sent another bill for both. She ignored the double bill ; we assumed that they were still processing the payments. ( I have POA ). Then XXXX turned this debt that she did not owe over to Credence, a collection agency based in XXXX. The employee called multiple times a day, including before XXXX. This left my mother in tears. The employee used multiple phone numbers, including one with our area code, and several names ( I could tell that it was the same person ). When we tried to call XXXX, they said that they had no record of payment. We have heard nothing from them since I mailed photocopies of the cancelled checks. My mother had been so upset and confused that she sent a {$100.00} check to Credence Resource Management for a debt she did not owe. She was so upset and worried after the repeated harassing phone calls that she sent another check to Credence, which I asked the bank to stop payment on. At best XXXX was careless and incompetent, but they may have been trying to commit fraud by deliberately double billing. If we did n't have the cancelled checks, there would have been no recourse and my mother would have been cheated out of {$1700.00}. The debt collection practices of Credence are illegal and abusive ( and I 've noted that there are many complaints about this collection agency both for abusive practices and for attempting to collect debts not owed ). They claim to have an address in XXXX but are actually based in XXXX. An employee of theirs called several times a day, as early as XXXX and as late as XXXX, in violation of Federal regulations, used multiple names and phone numbers, and threatened legal action. Now we are concerned that XXXX and Credence ruined her credit rating, which was excellent before this. It has been three weeks since we mailed them photocopies of the cancelled checks and still have not received any response.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response Closed with explanation

Disputed: No Timely Response

2017-04-11

Fayetteville, GA

Cont'd attempts collect debt not owed

Debt collection: Other (i.e. phone, health club, etc.)

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

Disputed: Yes Timely Response

2017-04-10

Longview, TX

Disclosure verification of debt

Debt collection: Credit card

Not given enough info to verify debt
Complaint: To Whom It May Concern : REF : Intent to file suit : violation of the FCRA and the FDCPA I have sent XXXX previous letters to you, all via the CFPB portal to ensure proper delivery ( see all previous complaints filed ) requesting that you remove inaccurate information from my file and you have failed to do so. Accordingly, I can show a judge that this accounts information is invalidated and that you violated the Fair Debt Collections Practices Act by ignoring my requests to investigate this account. My previous letters all sent via the CFPB portal stated my reasons for an investigation and these reasons were not frivolous in any way. If this final request does not prompt you to conduct a proper investigation of the accounts in question, and send proof to me of said investigation, I will file a civil suit in XXXX County District Courts for damages. I take my credit very seriously and your lack of professionalism and assistance is unacceptable. I am well aware of my rights under the FCRA and the FDCPA and intend to pursue them to the maximum. CREDENCE RESOURCES : PLEASE BE ADVISED THAT I WILL NOW ONLY ALLOW YOU 3 BUSINESS DAYS FROM THE DATE OF YOUR RECEIPT TO REMOVE THIS INVALIDATED ACCOUNTS INFORMATION FROM MY PERSONAL CREDIT REPORTS! IN THE EVENT OF CONTINUED NON COMPLIANCE WITH THE LAWS SET FORTH, YOU WILL LEAVE ME NO OTHER ALTERNATIVE BUT TO FILE MY LAW SUIT AGAINST YOU FOR CONTINUING TO KNOWINGLY AND DIRECTLY VIOLATE THE LAWS! I AM NOW ALLOWING YOU 1 MORE OPPORTUNITY TO REMOVE THIS ILLEGALLY ACCOUNTS INFORMATION FROM ALL XXXX OF MY PERSONAL CREDIT REPORTS ( XXXX, XXXX, AND XXXX ) I anticipate your response. Sincerely, XXXX
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response Closed with explanation

Disputed: No Timely Response

2017-04-06

Disclosure verification of debt

Debt collection: Other (i.e. phone, health club, etc.)

Not given enough info 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

Disputed: No Timely Response