Credence Resource Management, LLC

2016-10-25

Oak Grove, MO

Cont'd attempts collect debt not owed

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

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

2016-10-25

AZ

Cont'd attempts collect debt not owed

Debt collection: Medical

Debt was paid
Complaint: I pay all XXXX/medical issues through insurance. My grandson calls about ANY bills throughout the years if anyone had any issues collecting information for insurance. He recalls no attempt for an XXXX other than XXXX time he said he called the company and they said it 's fine because they " called the XXXX and got her insurance information there. '' Yet somehow I now have a debt collector contacting me. The XXXX company XXXX XXXX XXXX XXXX XXXX and the Credence collector bill says they have Insurance Specialists waiting to help with taking my insurance. My grandson called and found out there is a 1 year common " timely filing limit '' and it 's been since 2014 that the incident occurred. So the collections has trapped me to pay cash. I received no phone calls, my grandson said the first number they gave for my info was wrong. I am XXXX years and getting help writing this, I have n't had insurance not pay my whole life. This is not fair.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response Closed with non-monetary relief

Disputed: No Timely Response

2016-10-24

Detroit, MI

Cont'd attempts collect debt not owed

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

Debt was paid
Complaint: I informed the agency contacting me regarding said debt that the debt balance was incorrect! I advised them of such in less than 2 weeks they turned around and simply send me a form letter saying the debt is valid without confirming or checking with the creditor at all! I informed them in writing on knowing that they were simply sending me a form letter without checking out my dispute! They then sent me another letter acknowledging my dilute! Five days later they send me the same form letter again saying this was a valid debt! Again violating the FDCPA. This company in question is Credence Resource Management, LLC XXXX XXXX XXXX XXXX XXXX XXXX TX 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

2016-10-24

Albuquerque, NM

Cont'd attempts collect debt not owed

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

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: Yes Timely Response

2016-10-18

Jupiter, FL

Cont'd attempts collect debt not owed

Debt collection: Medical

Debt is not mine
Complaint: I have received numerous calls from a Collection agency Credence ( credence.com ) XXXX or XXXX ( Ref # XXXX ). The first contact was last month XXXX XXXX, for medical services provided in XXXX XXXX. The Medical responsible party for this bill is the patient 's father. The collection agency has the correct mailing address, and insurance information for her father, but has my name and phone number ( and is insisting that I am responsible and will have my credit score hurt if I do not pay the bill ). I informed them that not only do they have the wrong name on the account, but that the legal responsible party is the father, per contractual terms of our divorce document. The collection agency first contacted me on XXXX XXXX, XXXX I spoke with supervisor XXXX XXXX. I informed him that he was contacting the wrong party and verified that they had the correct mailing and insurance information on file for the father. I also confirmed with the father that he had not received any prior contact nor any notification about an outstanding doctor 's bill. On XXXX XXXX, XXXX, after the father verified with XXXX XXXX XXXX that the deductible had been met, Credence collection agency resubmitted the medical claim to XXXX XXXX XXXX. Today XXXX XXXX, XXXX I received a call and spoke with supervisor, XXXX XXXX ( XXXX EST ) he informed me that the claim had been denied due to late filing. I again informed him that he was contacting the wrong party, and he should call the other name and number on the account, but insisted I am the only party, and my credit will be hurt, and more collection efforts to follow. I have reached out to the father to make him aware of this issue. His concern is that they waited so long to resubmit the claim and now insurance company is denying due to their neglect. Please help - I am worried that my credit score will be negatively impacted by their mishandling of the account information and delay claim submission. THANK YOU for your time and attention in this matter! Sincerely!
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

2016-10-18

Lansing, MI

Cont'd attempts collect debt not owed

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

Debt is not mine
Complaint: Credence Resource Management, LLC phoned cell, then home. Asked for last XXXX of my SS #. Say I owe {$54.00} for a cell phone, yet I have never had that cell number. I phoned the provide, XXXX XXXX XXXX, who confirmed I do not have an outstanding balance nor had that cell number. Credence also sent a letter to my home soliciting info. When I called them, they again asked for last XXXX SS #. I think this is a scam and am about to call the police.
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

2016-10-18

Sylvania Township, OH

Cont'd attempts collect debt not owed

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

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

2016-10-17

Flushing, NY

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

2016-10-17

Louisville, KY

False statements or representation

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

Attempted to collect wrong amount
Complaint: on XX/XX/2016 I reach a settlement with Credence Resource Management LLC . On the same day I sent a certified check for the agreed amount of {$900.00}. On XX/XX/2016 the certified letter containing the check was sign for by their employee. On XX/XX/XXXX, they claimed they employee did not work their and to send and additional {$900.00} dollars. I refused stop payment on check at my bank. Since then I have received numerous phones calls. I feel they should honor their settlement offer.
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

2016-10-17

CO

Disclosure verification of debt

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

Not given enough info to verify debt
Complaint: This new collection appeared on my credit file which I do not have a new XXXX collection. I have fought this same thing with a prior agency and now it appears again with a new company. Please help
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

2016-10-17

Jamaica, NY

Cont'd attempts collect debt not owed

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

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

2016-10-17

Tarzana, CA

Disclosure verification of debt

Debt collection: Medical

Not given enough info to verify debt
Complaint: Ref ID # XXXX XXXX XXXX XXXX sold my original debt of {$4900.00} to Credence Resource Management LLC, after their fees the balance was {$5100.00}. I have contacted CRM, by phone and in writing, asking for them to provide me with updated invoices after making a payments. I also asked to make a payment plan and was advised they do not offer payment plans. I called today to get my balance. They confirmed I made a total of {$510.00} towards my debit but {$4900.00} is still due. I was never advised of an on going interest rate. I once again asked for an invoice and interest amount and the rep ignore my question and kept asking for me to resolve the balance.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response Closed with non-monetary relief

Disputed: No Timely Response

2016-10-15

San Francisco, CA

False statements or representation

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

Attempted to collect wrong amount
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

2016-10-15

Fort Worth, TX

Cont'd attempts collect debt not owed

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

Debt is not mine
Complaint: I was an XXXX costumer for a long time and always paying my bills on time. When my bundle promotion expired my charges for my XXXX XXXX went up. So I called XXXX to see what promotions they had available at the time and since they did n't have anything better than what I had before they told me that the best thing was to just have a new plan so I did. The representative also told me that after finishing the call with him I could call back to XXXX XXXX XXXX but to a different number to get my home line canceled so that by canceling the home line which a really did n't need but I had it just because it was part of the bundle it would lower my bill. So after I ended up the phone call I called again and get the home line canceled. A few days later I was checking my account and I realized that the amount I had to pay for my internet was higher than what they told me so I called XXXX XXXX XXXX to ask about that, they apologized and said that whoever spoke to me on the phone made a mistake and the price was higher because it was not a bundle and that there was nothing he could do for me anymore. So I asked the representative that since I was on a new plan but not on a bundle anymore, what would happen if I was able to find a better deal with another company ; if I could just cancel my account with ( XXXX XXXX XXXX ). He said that since at the moment I was on a month to month basis and not under any promotion so I could just cancel any time without any type of penalties or cancellation fees. So I started looking for another internet provider and I found a better deal with XXXX. A few days later I called XXXX XXXX XXXX and canceled my account with them, they asked me why and I explained the whole thing again. At that time, I told the representative that I was told by another representative that I should not have to pay any cancellation fees because I was not under any promotion and she said " yeah, that 's correct ''. A few weeks later a received a bill form XXXX XXXX XXXX where they were charging a cancellation fee for {$100.00} plus fees and taxes a total of {$110.00}. I called on XXXX/XXXX/16 to ask about the bill and after explaining everything they put me on hold for a very long time and finally the representative said that she was going to write a note on my account to get it fixed. A few weeks later I received a letter showing a balance of {$110.00} again so I called right away on XXXX/XXXX/16 to ask about the cancellation charges and after explaining everything and putting me on hold several times, the representative said that it was a mistake that they should n't have charging me a cancellation fee, he said that everything was resolved and he apologized for the inconvenience, he also said that I should n't be worry about that any more. Then, a month later a received another letter saying the same thing about me having a balance of {$110.00} and again, I called right away on XXXX/XXXX/16 to find out what was going on and after explaining everything to the representative, he said that he was not able to see any notes about my last call or any request to remove the cancellation charges, he said that in this situations they can not just request a cancellation fee removal, he said that they have to send a notification to another department that handles this and that they should be calling me or sending me a letter to notify me of any updates on my account. I never received any calls from XXXX XXXX XXXX, XXXX mails or a letter in regards this matter. But today XXXX/XXXX/16 I just received a letter from Credence Resource Management, LLC for collection saying that XXXX XXXX XXXX XXXX has been assigned them to collect the amount of {$110.00}.
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

2016-10-14

Brooklyn, NY

Cont'd attempts collect debt not owed

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

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

2016-10-11

Newark, NJ

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 non-monetary relief

Disputed: No Timely Response

2016-10-10

Soquel, CA

Communication tactics

Debt collection: Medical

Frequent or repeated calls
Complaint: Hi, I used " Rural metro - Ambulance '' service on XXXX XXXX XXXX for my daughter. I provided with my insurance information to the people in the Ambulance when they took all my information but it was never cascaded down from there. Months after the service, I got a bill from XXXX of California asking me to pay the bill of {$1700.00} or Provide my insurance details. I provided them with my XXXX insurance after checking my coverage eligibility with XXXX. For almost a year, XXXX of California submitted the claim to XXXX 3 times with incorrect diagnosis code which was pointed out clearly by XXXX but yet, the same claim with incorrect code was again n again sent to XXXX by XXXX of California. Recently I got to know that XXXX XXXX has handed it off to Collection agency ( Credence resource management ). I called the collection agency on Friday ( XXXX XXXX XXXX ) and provided all my insurance details and today morning ( XXXX XXXX, XXXX ), I went ahead and did a three way calling between the insurance agent ( XXXX ) and the insurance agent in the debt collection agency ( Credence ) to explain the root cause of the problem so that they can address it and send the correct claim to XXXX. After my multiple discussion with Credence resource management in last couple of days, I feel that the information that is being told to them is not properly documented and cascaded across their departments. For instance, I provided the insurance #, address of the insurance company etc. to them during my conversation, however they mentioned to XXXX during my three way call saying they do not have any info on file. This is one of the many problems I have experienced with the Debt collection agency. Also the collection agency insurance agent tells me that I have to wait for 30 - 45 days so that they can prep all the information needed to be sent to XXXX for processing the insurance and I m worried if anything will be messed up again. This has become my part time job to make sure XXXX XXXX XXXX or right now the collection agency talks with our insurance company and typically both XXXX XXXX and this collection agency expects me to literally do the three way calling and just be a middle man to make both of them talk. It is extremely frustrating experience so far and I m worried how this process will even end. Request you to please look into this issue and reach out to me if any questions. Here are my details. Name : XXXX XXXX Creditor : XXXX Creditor Account number : XXXX Creditor Reference Id : XXXX Balance due : {$1700.00} My email : XXXXXXXXXXXX My Phone : 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

2016-10-10

Fresno, CA

False statements or representation

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

Attempted to collect wrong amount
Complaint: I would like to start by stating that I 've been an XXXX XXXX XXXX customer since they changed over from XXXX has been over 10 years. I 've never had any previous problems with our carrier until approximately around XXXX of XXXX I started having a lot of problems with drop calls and bad connection while inside our house, from there on we tried multiple times with customer service. They advise to try rebooting system, a micro cell, new sim card and they also stated they were going to repair one of their towers. 6 months later and continues problems it was an inconvenience, finally made a decision to change providers due to my wife had to leave the house just to talk to Doctors as she was XXXX and she had no service while being at home. Before I cancel my service I communicated through a chat conversation and no where 's did they mention it would go through a collection agency. I spoke with XXXX XXXX XXXX as I was still paying for XXXX cell phones that I purchased on credit and wanted to know if I was still able to continue payments for the XXXX phones since they could not provide the service I needed. The supervisor stated my balance was {$1000.00} and as long as I continued making payments there would be no problems. I had made XXXX payments. XXXX {$60.00}, XXXX {$20.00}, XXXX {$60.00} and XXXX {$60.00}. Which brought my balance down to {$1000.00} ( do n't understand how it only dropped {$68.00} ). Recently I received a letter from Credence Resource Management a bureau company stating I needed to pay balance in full or if not was going to affect my credit. If I wanted they would settle for {$700.00}. And if I pay within 3 months would not affect my credit. I let them know that we had an agreement with XXXX XXXX XXXX and I was going to continue making my {$60.00} payment as we had agreed and I was going to call them. On XXXX I contacted XXXX XXXX XXXX to find out why I was sent to a collection agency and after been on the phone for 1 hour and getting no answer I demanded to speak with a supervisor, I was put on hold for over 30 minutes in which they never came back to the phone ( had to disconnect ). My wife called with a different phone while I was on hold they answered her, none of the representatives were willing to help with our matter. I would like to continue making my payments, just do n't want to affect my credit.
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

2016-10-05

Corona, CA

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: No Timely Response

2016-10-04

Carver, MA

Communication tactics

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

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 non-monetary relief

Disputed: No Untimely Response

2016-10-03

Garrett Park, MD

Cont'd attempts collect debt not owed

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

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 Untimely Response

2016-10-03

Newnan, GA

Cont'd attempts collect debt not owed

Debt collection: Medical

Debt is not mine
Complaint: My son and I were in an XXXX in XXXX 2015 and covered by XXXX XXXX XXXX. He was taken by ambulance to the hospital by XXXX XXXX XXXX. The insurance covered up to {$5000.00} in medical expenses. I provided XXXX XXXX the accident claim # XXXX. Now I have received a {$2100.00} collection bill from Credence. I am not responsible for this and XXXX XXXX has failed to collect payment from 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

2016-10-03

South Florida, FL

False statements or representation

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

Attempted to collect wrong amount
Complaint: Credence Resource Management has been recently attempting to collect on a debt here and Florida where they do not currently have a license to do so. I first requesting validation of the debt and after researching creditor further, I learned that their license is inactive here in the state of Florida yet they continue to report this debt on my credit report. I 'm not sure how they obtained this information from XXXX, as I do not nor ever had an account from them, but to not even be legally authorize to attempt to collect this debt in the state of Florida is surprising to me.
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

2016-09-29

Phoenix, AZ

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 non-monetary relief

Disputed: No Timely Response

2016-09-29

San Antonio, TX

Cont'd attempts collect debt not owed

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

Debt is not mine
Complaint: XXXX has an erroneous debt they claim I owe, that has been sent to multiple collection agencies including XXXX, Credence Resource Management and other agencies. I 've gone through the dispute process with each one and had them confirm that the debt is n't owed and cancel the collection account. XXXX continues to forward this erroneous debt to different collection agencies, I 'm tired of having my time wasted and the stress of dealing with this year after year, this is ridiculous. The most recent collection agency with collector who have my personal information are outside of the United States where who knows what harm they can do to my identity, the most recent agency is Credence Resource Management, who put me through multiple hours of headaches and hassles to get a dispute done with them to get the damage they 've done to my credit removed, it has n't been resolved yet.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response Closed with non-monetary relief

Disputed: No Timely Response