Credence Resource Management, LLC

2019-10-29

Brooklyn, NY

Written notification about debt

Debt collection: Other debt

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

Timely Response

2019-10-29

Oxford, GA

Attempts to collect debt not owed

Debt collection: Other debt

Debt was paid
Company Response: Closed with explanation

Timely Response

2019-10-29

Biddeford, ME

Attempts to collect debt not owed

Debt collection: Other debt

Debt is not yours
Company Response: Closed with explanation

Timely Response

2019-10-28

Tarzana, CA

Took or threatened to take negative or legal action

Debt collection: Other debt

Threatened or suggested your credit would be damaged
Company Response: In progress

Timely Response

2019-10-28

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

2019-10-28

Merced, CA

Attempts to collect debt not owed

Debt collection: Other debt

Debt is not yours
Company Response: Closed with explanation

Timely Response

2019-10-25

Burkburnett, TX

Attempts to collect debt not owed

Debt collection: Other debt

Debt was paid
Company Response: Closed with explanation

Timely Response

2019-10-25

Columbia, SC

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

2019-10-23

Napa, CA

Took or threatened to take negative or legal action

Debt collection: Other debt

Threatened to arrest you or take you to jail if you do not pay
Company Response: Closed with explanation

Timely Response

2019-10-23

Dunnellon, FL

Attempts to collect debt not owed

Debt collection: I do not know

Debt is not yours
Company Response: Closed with explanation

Timely Response

2019-10-17

Mem, TN

Attempts to collect debt not owed

Debt collection: Other debt

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

Timely Response

2019-10-17

Ft Lauderdale, FL

Written notification about debt

Debt collection: Medical debt

Didn't receive notice of right to dispute
Complaint: Credence ( a collection agency ) contacted me about a debt owed on an account with XXXX XXXX XXXX XXXX XXXX XXXX over the phone a few months ago. Note that they verified my address but they verified the wrong address. I simply corrected them having no experience with debt before. They did not notify me of a letter I was suppose to receive or should have received to dispute or verify this debt. It may very well be true that they sent a letter to the wrong address they previously had on file. If that is the case, I am not at fault. I did go to the hospital so I thought the collection was just. The only bill I got was from XXXX XXXX XXXX for a total completely different from the debt collectors, with no notice that I would be hearing from another company regarding debt. I told Credence I will call them when I come to a resolution with XXXX XXXX. That was months prior to this writing. Today, XX/XX/2019 at XXXX I received an answered their phone call to collect debt. They got the address correct this time. They were demanding full pay or pay over 3 months. The manager pointed out my age and how this would not be a " good look '' for me, since I said I was unable to pay. Now that I know my rights, I feel that was a threat. He then proceeded to tell me to go get a profit loan, ask my mom, or use a credit card. In fear, I used a credit card and coughed up XXXX $ of which I do not have being a XXXX XXXX XXXX. All if this is just information. The main thing I am submitting a complaint for is never receiving a written notification of debt, ever! Even after I gave them my correct address, I never received a notice of any kind in the mail and was never informed of the ability to dispute. How am I supposed to know the collection is verifiable if I don't get a letter? Again, they may have sent the letters to the previous address they had on file, but if that is the case I should not be held accountable. I didn't even receive a call from XXXX XXXX before it was sent to get collections. During the call today at XXXX I was told I would receive an email regarding my account. I HAVE NOT RECEIVED AN EMAIL and its XXXX. Bottom line Ive never received a written ( or electronic ) billing or billing statement from Credence or XXXX.
Company Response: Closed with explanation

Timely Response

2019-10-16

Lewisville, TX

Written notification about debt

Debt collection: Other debt

Didn't receive enough information to verify debt
Complaint: As required by law, this company did not provide me with an opportunity to validate this debt prior to reporting to XXXX.
Company Response: Closed with explanation

Timely Response

2019-10-16

Atlanta, GA

Attempts to collect debt not owed

Debt collection: Federal student loan debt

Debt was result of identity theft
Complaint: Greetings I have been in contact with the Department of Education, XXXX XXXX, and XXXX for the past 15 years directing them and informing them that this is not my debt. I have provided every document they have requested. The fact that idenity theft occurred at the onset was made clear. A few years they finally removed the debt. But now the debt is back on my credit report and they are taking money out of my XXXX check. And didnot give prior notice. This issue is a hardship because i donot owe these funds. It appears that These companies are not interested in following any laws. Under FCRA 615 ( f ) ( 15 U.S.C. 1681m ( f ) Requirements on Users of Consumer Reports - Prohibition on Sale or Transfer of debt caused by identity theft. Although this issue has been brought to their attention these parties refuse, and deny, following the FCRA regulations. Although they have been notified in writing and by phone that the account doesn't belong to me and that it is the result of idenity theft. This item is presently on my credit report 3 different times by 3 different company names. I have also submitted this into to all three credit bureaus, nothing has been amended or corrected. Thank you.
Company Response: Closed with explanation

Timely Response

2019-10-15

FL

Attempts to collect debt not owed

Debt collection: Other debt

Debt is not yours
Complaint: I signed up for XXXX in XX/XX/XXXX. I decided to cancel in XX/XX/XXXX. After I cancelled I began to receive demands from XXXX to pay a {$190.00} early cancellation fee. I never agreed to any commitment at all! I was with XXXX for 11 years! What more commitment do they want? I called customer service and was on the phone for almost an hour trying to get this resolved. Unfortunately, the representatives they use are overseas and not very helpful. They told me that I had agreed to a 2 year deal to get a discount, and they couldn't help me. I NEVER agreed verbally or in writing. I asked them to provide me with a phone recording or my signature. They could not do either. Finally, they suggested that I send an email to customer service. I did that. About a week later, I got a response telling me to call!!! So on the phone they tell me to email, and on the email they tell me to call. I then went in to an XXXX store for help. The manager said he would take care of it, and apparently never did. Now I just found out that XXXX put a derogatory entry in my credit report! This is OUTRAGEOUS! I have no idea who to speak with. Everybody that answers the phone there is another country that can not help. Nobody gives any answers via email.
Company Response: Closed with explanation

Timely Response

2019-10-14

MI

Written notification about debt

Debt collection: Other debt

Didn't receive notice of right to dispute
Company Response: Closed with explanation

Timely Response

2019-10-14

Canton, MI

Attempts to collect debt not owed

Debt collection: Other debt

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

Timely Response

2019-10-14

Albuquerque, NM

False statements or representation

Debt collection: Other debt

Attempted to collect wrong amount
Company Response: Closed with explanation

Timely Response

2019-10-13

Columbia, SC

False statements or representation

Debt collection: Other debt

Attempted to collect wrong amount
Complaint: I received a notification on my credit monitoring app that my credit score went down 31 points. When I looked at my report, there was an account with from Credence Resource Management. I keep contacting them because I have never done business with them and this is not my debt. XXXX XXXX was paid almost a year ago. Now the account is reporting closed. I want it off of my report.
Company Response: Closed with explanation

Timely Response

2019-10-12

Lewisville, TX

Communication tactics

Debt collection: Other debt

Frequent or repeated calls
Complaint: in XX/XX/XXXX, my contract with XXXX XXXX was about to expire and I was moving to a new address. When I notified XXXX XXXX that 1 ) i was moving, and 2 ) i would not be renewing the service, they did the following : a ) refused to move the service from the old address-XXXX XXXX XXXX, XXXX, and b ) refused to give authorization to return their equipment. Many unsuccessful phone calls followed in which I was transferred to different departments to try to get me to keep the service. I refused all, and they refused to acknowledge my request to return equipment. 1 year passed, fast forward to XXXX, and in XXXX of XXXX, I discovered that I could return the equipment via XXXX, which I did. I received email from XXXX XXXX that the equipment was received, and that was that for me. I never got anything else from them. Fast forward to Saturday XX/XX/XXXX, I went to the XXXX XXXX XXXX store to make changes on my account ( i have been an XXXX XXXX XXXX customer for 25 plus years ) and was told no changes could be made because I owed some money, and I was given a number to call XXXX XXXX XXXX XXXX XXXX. I called the number because according to the customer service person at the XXXX XXXX XXXX store, XXXX XXXX had attached a XXXX $ plus bill to my account. So I called XXXX XXXX and got the run around. The first person I talked to refused to give me his name, told me he didnt have to, and said he could not help me, so i hung up. Next day, Sunday, the XXXX of XXXX I called again, and once more I got someone who listened to my inquiry, which was, why are you adding a bill to my XXXX XXXX XXXX bill? what is it for? This new person, who said his name was XXXX, told me that the account was in collections. I told him this was news to me, and I requested to speak to a supervisor. Another 20 minutes of being told I could not speak to a supervisor. But upon my insistence my number and a message was left. Then I hear absolutely nothing, so on Monday XX/XX/XXXX, I called XXXX XXXX again, and this time I got a girl who told me that my account was with a company called Credence and she gave me a number to call them. I called and got a fast talking guy, whose name I still do not understand. He told me that the charges were for early termination and an old bill. I told him I did not early terminate anything, that XXXX XXXX refused to move my service when i moved, and then refused to take the equipment back. He verified that the equipment was back, and told me he sees that I am not at fault, and he would offer me a reduced payment of XXXX to go away. He wanted payment right away, and I told him I would consider his offer when I receive it in writing. He then transferred me to another fast talker who said he was a supervisor and said the same thing. I told him I wasn't agreeing to anything until I got it in writing. I verified they have my mailing address. I ended the call. On XX/XX/XXXX they called me again from a different number, XXXX seems it may be a voice over number, anyway the person wanted to know if I got their mail, no I had not. I told them when I get their mail I would contact them. I checked my mailbox every day and nothing. Today, XX/XX/XXXX, they called again from a different number XXXX and as soon as he identified where he was calling from, I told him I having no conversations with them until their offer is received in writing. I believe these people are not only harassing me, but hustling me for money I do not owe. I really want them off my XXXX XXXX XXXX account, and am really disappointed that XXXX XXXX XXXX told me they could not handle this issue since its XXXX XXXX. I am willing to pay them some fall amount to get them to go away, if nothing else works, but it is ridiculous that after 2 weeks, I got 1 call one day from XXXX XXXX XXXX, about a supervisor calling me back, but I could not talk as I was at work. I want this removed, cleared up, marked paid in full and taken off my XXXX XXXX XXXX account as this was around before XXXX XXXX XXXX and XXXX XXXX connected, plus no one, no one at either company would tell me when they actually wrote me about this. They have sent me zero mails, and the only email I got was to acknowledge receipt of equipment returned in XXXX. I want this to go away 3 weeks ago.
Company Response: Closed with explanation

Timely Response

2019-10-11

Attempts to collect debt not owed

Debt collection: Other debt

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

Timely Response

2019-10-11

Bremen, GA

Attempts to collect debt not owed

Debt collection: Medical debt

Debt was paid
Complaint: Credence Resource Management Acct # XXXX stated I owed XXXX. This was paid back on XXXX/XXXX/2018 by XXXX due to the driver being at fault in the car wreck. They refused to give me a bill. I had to spend 3 hours at the hospital getting the bill to show this was paid.
Company Response: Closed with explanation

Timely Response

2019-10-10

New Britain, CT

Attempts to collect debt not owed

Debt collection: Other debt

Debt was paid
Complaint: Early XXXX, I terminated my phone contract with XXXX, and switch to XXXX. A month after the split I received a call about the remainder balance around {$300.00}. which I charged it to a CC. On XX/XX/XXXX received another bill from XXXX saying there's another charge for {$310.00}, but wouldn't explain the charges, or why would they send me two different bills after the cancellation, except that I needed to pay it. I refused to pay the second bill because it seemed the same bill. On XX/XX/XXXX, I received a bill for {$310.00} from a collection agency, XXXX ( still have a copy ) Client Account # XXXX XXXX Account # XXXX with a full settlement amount of {$190.00}. I explained to them I needed the break down in order for me to see the charges and will be more than happy to take care of it. But they never followed up. After that, another collection agency bought the balance by the name of ( XXXX ), XXXX XXXX XXXX XXXX, for the same amount {$310.00} or full payment of {$190.00}. Then Credence Excellence beyond belief, with the suggestion of settling the debt for {$150.00}. The problem is their bill came in 2 years ago, now the new bill has a XXXX account on it, and its showing on the credit report as a new debt. I did contact them to give me an explanation as to the date change, but they insist it's a new bill. Asked to speak to a Supervisor or a manager, each time with the same answer, I will be receiving a call, but never did. As you will see in the attached documents, XXXX had two different accounts # from the XXXX. One was paid the other one wasn't because of the double billing.
Company Response: Closed with explanation

Timely Response

2019-10-10

MN

Written notification about debt

Debt collection: I do not know

Didn't receive notice of right to dispute
Complaint: A debt collect by the name of Credand Resource Management is on my credit report. I do not know this company nor have had the right to dispute.
Company Response: Closed with explanation

Timely Response

2019-10-10

Canyon Cntry, CA

Attempts to collect debt not owed

Debt collection: Other debt

Debt is not yours
Company Response: Closed with explanation

Timely Response