Credence Resource Management, LLC

2016-06-07

Huntersville, NC

False statements or representation

Debt collection: I do not know

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: Yes Timely Response

2016-06-06

Fortuna, CA

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 non-monetary relief

Disputed: No Timely Response

2016-06-03

Arrowhead Farms, CA

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

2016-06-02

Las Vegas, NV

Disclosure verification of debt

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

Not given enough info to verify debt
Complaint: Credence Resource Management, Account # XXXX represents a XXXX post paid account that has been added and deleted to my credit file several times. The date of first delinquency with this creditor was in XXXX and it appeared on my credit file as XXXX in XXXX. The accuracy of the information was challenged and subsequently deleted. This item appeared again on my credit report in XXXX of XXXX with a open account date of XXXX XXXX under the collection agency, XXXX XXXX, XXXX, Account # XXXX, this information was challenged and subsequently deleted as it is a re-aged account. Now, the information is once again showing on my XXXX credit file report # XXXX under the collection agency, Credence Resource Management with an open account date of XXXX, XXXX. I challenged the accuracy of this information as it is a re-aged account in XXXX, XXXX and I received an email confirming the investigation was completed and the credit collection will remain an open account with a date of XXXX, XXXX despite this information is a re-aged account. Credence Resource Management is reporting a re-aged account to my credit file which is a direct viloation of the FCRa. Please assist me with this matter as it has seriously damaged my credit score since it is showing as a new collection account and it is also going to remain on my credit file longer than legal because it is re-aged to XXXX rather than the first date of delinquency in XXXX.
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

2016-06-01

Key Biscayne, FL

False statements or representation

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

Indicated committed crime not paying
Complaint: Last XXXX 2015 XXXX of their staffers called me in representation of XXXX to settle a balance of {$150.00} that I had with XXXX for XXXX services. Nevertheless the evidence shows Credence Resource never paid XXXX that balance because XXXX kept sending me letters for no payment despite I submitted confirmation number of the payment I got from this debt collector. Recently I had to pay {$150.00} to XXXX to restore services. The amount paid to CR was {$73.00} on XXXX XXXX, 2015 and the confirmation number is XXXX. So that I ended up paying {$220.00}.
Company Response: Company disputes the facts presented in the complaint Closed with explanation

Disputed: No Timely Response

2016-05-21

Chicago, IL

Disclosure verification of debt

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

Right to dispute notice not received
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

2016-05-19

Dallas, TX

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

2016-05-18

Davie, FL

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

2016-05-18

Brooklyn, NY

Disclosure verification of debt

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

Not given enough info to verify debt
Complaint: on XXXX/XXXX/2016 I pulled up mu XXXX Credit report and found a collection debt under XXXX ; Original Creditor ; XXXX XXXX XXXX {$520.00} ; I ask them to verify the debt and they just deleted from the Credit without notify me. Them in XX/XX/2016 I found that the same debt is now been placed on my XXXX Credit Report under a diferrent Colection agency, Credence ; I also asked to verify the debt and the just mail to me settlement offer letter. I 'm attaching all the documentation to proof my request.
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: Yes Timely Response

2016-05-18

Pinellas Park, FL

Disclosure verification of debt

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

Not disclosed as an attempt to collect
Complaint: I get phone calls and letter for a collection agency trying to collected money for bills who I did n't know was on collection. I get multiples phone calls treated me of jail. I never received a bill for the previous company with an amount to paid. I want this harassment to stop immediately before I request some compensations for this issue. I am on DO NOT CALL list and still get call from collections who used difference number to get me answer.
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

2016-05-15

Baxter, MN

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 non-monetary relief

Disputed: No Untimely Response

2016-05-15

Boynton Beach, FL

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 non-monetary relief

Disputed: No Timely Response

2016-05-14

Las Vegas, NV

Cont'd attempts collect debt not owed

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

Debt resulted from identity theft
Complaint: I received an alert from a company called Credence who has placed for collection an account on my credit report on behalf of a company called XXXX in the amount of {$150.00}. I received this alert on both my XXXX and XXXX reports. XX/XX/XXXX, I received a collection letter from this same company for this very same account. I sent them a letter certified disputing this account and requesting that they validate this account for accuracy. They failed to do that. I later contacted XXXX about this account and they could not find any information on this account pertaining to my social security number or any other personal identifying information. I never received a response to my letter from the collection company, Credence. I sent them a letter the same day that I received the collection letter so it was within the 30 requested days. Due to the fact that I did not hear from them, I assumed that this situation was closed. I did retain all the records of my correspondence and a copy of my certified mailing and a copy of the letter that I sent to them in case they or XXXX decided to make contact with me again. Prior to receiving their letter, I received a letter from XXXX stating that there was a data breach of their records, which I still have. I also sent them a copy of this letter. I never opened up a T-Mobile account, so I did n't understand why I received a data breach letter in the first place. When I researched this fraudulent collection that they placed illegally on my credit report, I noticed that they claim that this account was opened on XXXX XXXX, XXXX, but when I inquired about this account XX/XX/XXXX, your company stated that this account was opened XX/XX/XXXX. It appears to me that not only are they not verifying accurate information, they are fraudulently placing an account that I disputed as identity theft a long time ago, they never responded to my inquiry, they recently placed this on my credit report, and they are illegally attempting to re-age this account for their personal collection tactics, for an account that was never opened, never authorized, never benefited by me. I have tried calling this company several times, this morning, and I am not able to reach anyone in their office. Thier website states that you are open on XXXX from XXXX-XXXX, but a voicemail keeps picking up. I am extremely upset about this account and their illegally collection tactics. They need to immediately delete this account. I filed a police report this morning. I will also be contacting the Attorney General and the XXXX about this account and this company. If Credence does not remove this account from my credit report immediately, then I will be force me to take civil action against them. I demand that they contact their client and find whoever it is that owes them or XXXX this money, I also demand that they contact the credit bureaus and update my credit report immediately.
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

2016-05-12

Warren, RI

Improper contact or sharing of info

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

Contacted me after I asked not to
Complaint: The company called me several times they first off want you to just verify your address do n't tell you who they are which is a little scary secondly after finding out who they where collecting for and finding out I settled that debt with another collector on XXXX XXXX paying the settlement agreement amount of XXXX an finding out that they had all of this clearly documented in there system from the previous collector an that they still would n't stop contacting an Harrassing me with phone calls and now receiving mail I contacted XXXX which was company they were collecting for an they Said sold them the account and I was told that they did not resell them the account that they should close out the account if they have documention from the previous collector that I paid so I called back I spoke to a XXXX whom spoke over me whom advised I need to send in bank statement to show I paid which I 'm not comfortable doing as they have all of the information I paid an with fraud going around I do n't want my bank info being sent. The debt is off my credit report because I paid the settled agreed amount I just want the phone calls and letters from this company to stop they should n't have my information.
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

2016-05-11

Avondale, AZ

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 explanation

Disputed: No Timely Response

2016-05-08

NJ

Communication tactics

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

Frequent or repeated calls
Complaint: I paid to them a bill that was owed, but I was told I would received an email verifying payment and received written statement that this bill was paid in full. I have received NOTHING CONFIRMING my payment. Glad I paid by credit card.!!!!!! I want my proof I am PAID IN FULL!!!!!!!!
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

2016-05-04

Hilo, HI

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

2016-05-03

Maywood Park, OR

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

2016-05-01

Alpine Forest, CA

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 non-monetary relief

Disputed: No Timely Response

2016-04-29

Highland, CA

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

2016-04-29

Los Angeles, CA

False statements or representation

Debt collection: I do not know

Impersonated an attorney or official
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

2016-04-29

Shalimar, FL

Cont'd attempts collect debt not owed

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

Debt is not mine
Complaint: I have received a new company trying to collect this same debt from me that is FRAUDULENT from Early XXXX, the new Company is Credence I called ( XXXX ) and stated I dispute this as I have the others that I do not owe XXXX XXXX XXXX XXXX any money especially {$2200.00}. and I would me making this complaint here today as well. The following is the previous complaint I filed on XXXX XXXX XXXX # XXXX From XXXX or so of XXXX I had noticed on my XXXX XXXX XXXX bill that there were XXXX to XXXX extra lines added. I called and was put in touch with the Fraud department through XXXX XXXX XXXX. It was investigated and the lines were fraudulently added out of Louisiana. All charges erased/cleared. I receive calls and letters from XXXX XXXX XXXX XXXX XXXX XXXX about {$2200.00} being owed. I explain and they still say I owe this money. Then after another notice from XXXX they try and collect this same amount, I explain once again. Then I call XXXX back, they inform me once again I do not owe anything to them and to file a complaint with the FTC, in which I did in XXXX of XXXX. Ref # XXXX I did not hear anything back untila notice from ( XXXX ) on XXXX XXXX XXXX trying collect his same amount from XXXX XXXX XXXX mobility. I called XXXX myself and explained the dispute and the history of this ( mystery ) debt and that I had filed a complaint with the FTC on this and was doing so again today XXXX XXXX XXXX. They transferred me to a XXXX XXXX who would work my dispute at # XXXX. In which I called and left a message concerning this FRAUD. I called the FTC today and they transferred me here to file this complaint. I am at my whits end dealing with the threats of collection, threats of damaging my outstanding credit on something that is not so, according to my carrier XXXX XXXX XXXX of whom I have been with for over 10 years.
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

2016-04-29

Parkrose, OR

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 non-monetary relief

Disputed: No Timely Response

2016-04-26

Jacksonville, FL

Cont'd attempts collect debt not owed

Debt collection: Medical

Debt was paid
Complaint: I mailed payments and paid my medical bills online & this company continues to call me after I 've completely paid this bill.
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

2016-04-13

Marina Del Rey, CA

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 non-monetary relief

Disputed: No Timely Response