Credence Resource Management, LLC

2015-10-16

Newport, TN

Cont'd attempts collect debt not owed

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

Debt was paid
Complaint: We sent back XXXX XXXX XXXX equipment on XXXX XXXX and XXXX XXXX XXXX received the equipment a day later on XXXX XXXX. Debt collector started calling me on XX/XX/XXXX a few times a day. Finally I answered the phone on XX/XX/XXXX. Told them that I do n't owe anything, I sent the equipment back to XXXX XXXX XXXX and they should contact XXXX XXXX XXXX. Told them to stop harassing me. Instead of contacting XXXX XXXX XXXX they kept harassing me by calling a few times a day. On XX/XX/XXXX I answered the phone and told them the same thing again. Then I got a letter from the debt collector to pay or dispute. Which I 'm disputing it. I called XXXX XXXX XXXX again just to make sure that I did n't owe anything, which I do n't.
Company Response: Company believes complaint caused principally by actions of third party outside the control or direction of the company Closed with explanation

Disputed: No Timely Response

2015-10-15

FL

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 ( XXXX ) continues to call our home on a regular basis. They have phoned here on XX/XX/XXXX, XX/XX/XXXX, XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/2015. They are searching for a XXXX XXXX according to the last caller. I have explained we do not know a XXXX XXXX, No XXXX XXXX resides here and never has and this is a newly issued phone number by XXXX XXXX which has been in our name for only 4 months. I have explained that we are on the National and Florida DNC registry and have requested they stop calling us and to remove us from their call, skip tracing, debt collection list. Regardless of what we say to them, they continue to call and persistently harass us daily at all hours of the day and night. The debt they are attempting to collect is not ours, never has been nor do we have any association with this company or the individual they are searching for. This is nothing short of pure harassment and they have continually bothered and pestered us with this issue.
Company Response: Closed with explanation

Disputed: No Timely Response

2015-10-14

Austin, TX

Improper contact or sharing of info

Debt collection: Medical

Contacted me after I asked not to
Company Response: Closed with explanation

Disputed: No Timely Response

2015-10-12

Gr, MI

Cont'd attempts collect debt not owed

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

Debt was paid
Complaint: XX/XX/XXXX I signed up for XXXX DSL Internet service. I choose to pay for my equipment XXXX the XXXX router ) at the beginning of my service. When self installing the service, I discovered that the DSL service did not properly work and called XXXX to which they decided to dispatch a technician. An XXXX technician, named XXXX, came to my house and acted in a very professional manner to resolve the issue. He ran a line up the side of my house because he said the earlier connections were not properly installed. My service worked and I continued until XX/XX/XXXX, paying all bills on my personal XXXX card. XX/XX/XXXX I decided to cancel my service for a competitor 's better connection speed. I called XXXX customer service around XX/XX/XXXX to cancel to which I was told " please keep your XXXX router if you ever decide to come back ''. This was my understanding, as earlier stated, because I had paid for the equipment at the beginning of the service. XX/XX/XXXX my XXXX card was charged for {$160.00}. Upon inquiry XXXX, I was made aware that the charge was for unreturned equipment XXXX. I disputed this charge XXXX and was instructed, XXXX to call XXXX. I spoke with a customer service representative XXXX who told me that " multiple emails had been sent '' ( these emails were sent to my XXXX email address that I no longer used because I no longer had the service ) about me owing. I asked this rep to check my bills to confirm that I had paid for the equipment at the beginning of my service. He did confirm that I had paid at the beginning and that they could refund me one of two ways, either by credit to my XXXX card or via paper check. I choose to have a credit to my XXXX card which I was told would take up to two weeks. After two weeks upon non-receipt of the refund, I disputed the charge XXXX and explained to them the process I had been through with regards to dealing with XXXX customer service. XXXX let me know, via XXXX mail about 2 weeks later, that they had found in my favor as the merchant XXXX had not responded to my dispute. On the XX/XX/XXXX I received a letter XXXX about the {$160.00} dollar debt still being owed. I reached out to XXXX customer service to explain the situation. Again I was told that I owed the money until the rep reviewed the notes and account to find that I had been mistakenly billed. She let me know that her manager would reach out to me within 1-2 business days. As it stands, XX/XX/XXXX, I still have not been contacted XXXX. I have since been contacted by a Credence Resource Management about the collection of a debt owed XXXX. I have been called XXXX every day for the last 5 days. The gentleman I spoke to from the company took an unprofessional tone with me and let me know to file a written complaint to resolve the issue. I took issue with his tone of voice and aggressive tactics. I have chosen to ignore the phone calls I am continuing to received from Credence Resource Management.
Company Response: Closed with explanation

Disputed: No Timely Response

2015-10-07

Ocklawaha, FL

Cont'd attempts collect debt not owed

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

Debt is not mine
Company Response: Closed with explanation

Disputed: Yes Timely Response

2015-10-07

Ocklawaha, FL

Cont'd attempts collect debt not owed

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

Debt is not mine
Company Response: Closed with explanation

Disputed: No Timely Response

2015-10-07

AR

Improper contact or sharing of info

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

Contacted me after I asked not to
Complaint: Credence Resource Management LLC is calling me XXXX times everyday about a debt I do not owe. I have written them a letter telling them to stop all communication attempts with me to no avail. Their address is XXXX XXXX XXXX, XXXX, MI XXXX.
Company Response: Closed with explanation

Disputed: Yes Timely Response

2015-10-07

South Florida, FL

Cont'd attempts collect debt not owed

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

Debt resulted from identity theft
Complaint: Since 2013 I 've been receiving letters and calls from collection companies and XXXX Phone company, someone else under the name of XXXX XXXX used my identity to get different services including XXXX, XXXX did not verified my identity and allowed him with equipment and services using my name. On 2013 I discovered with my husband that we both were victims of Identity Theft, and we started submitting the information to the Police Department and followed with Credit Bureaus. The last company from which I received letter wasCredence Resource Management, LLCXXXX XXXX XXXX XXXX XXXX, TX XXXXit was on XXXX XXXX, XXXX called this collection company and reported them about the issue, XXXX has been selling my supposed debt through different companies, and after almost 3 years I 'm still dealing with bad credit report, letters and calls. I will submit a copy of the Police Report and the last letter that I received.
Company Response: Closed with explanation

Disputed: No Timely Response

2015-09-30

Discovery Bay, CA

Cont'd attempts collect debt not owed

Debt collection: Medical

Debt was paid
Complaint: I received an EOB from my healthcare provider, I spoke to the debt collector Credence Resource Management who told me to pay the amount I owe as per the EOB and Email them the EOB. I did this, and am now still being chased for extra money I do not owe.
Company Response: Closed with explanation

Disputed: No Timely Response

2015-09-24

FL

Cont'd attempts collect debt not owed

Debt collection: Medical

Debt was discharged in bankruptcy
Complaint: credence resource management LLC XXXX XXXX XXXX XXXX XXXX XXXX tx XXXX tried to collect on a debt that was on my recent bankrupsey. I gave him my attorney name. it was a medical bill for XXXX XXXX. Their phone number is XXXX
Company Response: Closed with explanation

Disputed: No Timely Response

2015-09-18

MO

Cont'd attempts collect debt not owed

Debt collection: Medical

Debt is not mine
Complaint: I received a collection bill from Credence excellence beyond belief XX/XX/2015 on behalf of XXXX XXXX XXXX. I called Credence because I had never heard of either and wanted to know what this was about. Upon speaking to agent I was informed this was a medical debit for a XXXX XXXX visit for XXXX XXXX XXXX. I informed them I did n't know this person and he kept asking if he was my child. I told the person no and asked how they got my name and address and how could someone go to hospital and use name without I.D . He also informed me this bill was acquired at XXXX XXXX and they could not give me anymore information since I was not the person seen in hospital because of HIPA laws. I told him I had never received a bill from Research and found it laughable that they would quote HIPA and wanted me to pay a bill. After going round and round he finally apologized when I told him I would contact XXXX XXXX and said no further contact would be made. Well yesterday I get another bill for same thing but a yellow slip accompanied the bill stating they made a mistake with first settlement offer and this was a corrected XXXX and told me to disregard letter dated XXXX XXXX, 2015. These people are crooks and a joke. I contacted Research Medical the next day after I spoke with Credence and was told by a person in billing that they never heard of Credence nor XXXX and that they have a list of collection agencies they use, and that there is no debt I owe.
Company Response: Closed with explanation

Disputed: Yes Timely Response

2015-09-10

Ridley Park, PA

Cont'd attempts collect debt not owed

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

Debt is not mine
Complaint: I have attached my correspondence with XXXX XXXX XXXX including a Priority Mail letter which included the police report, FTC Fraud Affidavit, photo of the identity thief and other materials. I was a clear victim of identity theft. The thief attempted to open XXXX accounts ( including the one with XXXX XXXX XXXX ) and successfully opened XXXX of them. Every other company has quickly closed my account and removed any adverse reporting. Only XXXX XXXX XXXX continues to harass me. I wrote to XXXX by email and stated that : I have also attached the " Termination Notice '' which she received recently. This is rather ridiculous since XXXX XXXX XXXX terminated the right to use the phones in question when I initially contacted your fraud division by phone XX/XX/XXXX. Nevertheless, I am asking that you respond to this email to confirm the following:1. You will note that the account was opened fraudulently as a result of identity theft ; 2. You agree not to report any adverse or negative items to the credit bureaus ; and3. You cease all future collection efforts. The FTC has advised me that if this is reported to the credit bureaus or if a third party collection is undertaken, you will be in violation of Federal law, and I will proceed accordingly. Despite this, the account has now been referred to a third party collection agency. I attached the demand. A letter was also sent to them.
Company Response: Closed with explanation

Disputed: No Timely Response

2015-09-06

MD

Cont'd attempts collect debt not owed

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

Debt was paid
Complaint: I have been contacted by Credence Resource Management LLC. I have researched this company and it appears they are attempting to defraud people. I settled this account with XXXX XXXX in XXXX. I have attached the settlement letter and proof of payment. I have heard about collectors who take information from their companies and set up dummy companies to try to steal money. All my research online says that this company is bogus and operates overseas. They take the forgiven balance from settlements and try to bilk money out of those customers. This may be happening to XXXX of XXXX customer.
Company Response: Closed with explanation

Disputed: Yes Timely Response

2015-09-03

Franklin Lks, NJ

Cont'd attempts collect debt not owed

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

Debt resulted from identity theft
Company Response: Closed with explanation

Disputed: No Untimely Response

2015-08-31

IL

Cont'd attempts collect debt not owed

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

Debt is not mine
Complaint: I keep getting debt collection papers in the mail from Credence Resource Management. Credence Resource Management says they are trying to collect a debit for XXXX XXXX XXXX XXXX. I have never been a customer of XXXX XXXX XXXX XXXX period. Letter says that we owe XXXX but will settle for XXXX. This is not my debt.
Company Response: Closed with explanation

Disputed: No Timely Response

2015-08-27

Ukiah, CA

Cont'd attempts collect debt not owed

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

Debt is not mine
Company Response: Closed with explanation

Disputed: No Timely Response

2015-08-27

Nyc, NY

Cont'd attempts collect debt not owed

Debt collection: Medical

Debt was paid
Company Response: Closed with explanation

Disputed: No Timely Response

2015-08-25

Birmingham, AL

Communication tactics

Debt collection: I do not know

Frequent or repeated calls
Company Response: Closed with explanation

Disputed: No Timely Response

2015-08-25

Jacksonville, FL

False statements or representation

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

Attempted to collect wrong amount
Complaint: The collection agency is Credence Resource Management aka Credence XXXX. They have aXXXX XXXX bill from when I was at a company conference earlier this year. Because I had not yet completed my deductible for the year, I initially owed about {$950.00} on this debt. Because I was sick for much of the beginning of the year XXXX I was not able to pay this bill in full to the original creditor, XXXX XXXX XXXX. The only payment options I was offered by the original creditor was the balance over 12 months, which I could not afford. The account was placed into collections on XXXX/XXXX/15 with Credence. Everytime I go online or call in, my balance has gone up again. I initially called them on XXXX/XXXX/15. They did not check to make sure I was the right person and only told me they were debt collectors after we had spoken for quite a while. That day I went online and made a payment for {$10.00}. I called in again today to make another payment and I spoke with XXXX XXXX XXXX or XXXX? ) and he was unable to answer questions about the account, the interest rate and the collection fees so he put a manager on the phone, XXXX XXXX. XXXX states that Credence RM is charging 6 % interest per annum on my account, however in the just 24 days they have had the account, the balance has increased by {$28.00}. On top of this they charge a {$5.00} processing fee for online payments or debit card payments. I noticed that 6 % per year should only be $ XXXX/year on a balance of {$950.00}. I asked manager XXXX XXXX about this, he said it was so much because the annual interest accrues daily. I asked him if this is not different than 6 % per annum he stated and he said I need to talk to their attorney, XXXX XXXX, in their " concern '' department which they also call their legal department. He repeatedly stated only the attorney could explain the math to me. Then XXXX offered me, for today only, that I could pay the original balance of {$950.00} ( guess I would just lose the payment I already made ) today and he would not charge me the interest that has accrued so far. I explained to him that I have been sick since the beginning of the year and just do n't have that much available. While I was on the phone with the XXXX the manager, I tried to locate the attorney XXXX XXXX through XXXX and my state bar association, but was unable to locate any attorney by that name. XXXX spelled the name for me after I insisted several times. I asked the manager XXXX what state the attorney is licensed in as I was unable to locate any contact information for him. He then admitted XXXX XXXX is not really an attorney, just a staff member in a different department. The collection agency is willing to let me make small payments but they ( NOT the original creditor ) are charging me interest on this medical bill, at a high enough rate that will mean I will never pay this off, only watch the interest grow and balance get larger while I pay the collection agency to collect my account and pay convenience fees for the " pleasure '' of that collection.
Company Response: Closed with explanation

Disputed: No Timely Response

2015-08-22

Sylvester, GA

Cont'd attempts collect debt not owed

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

Debt is not mine
Company Response: Closed with explanation

Disputed: No Timely Response

2015-08-21

Echelon, NJ

Communication tactics

Debt collection: I do not know

Frequent or repeated calls
Company Response: Closed with explanation

Disputed: No Timely Response

2015-08-13

Thompsons Station, TN

Cont'd attempts collect debt not owed

Debt collection: Medical

Debt is not mine
Complaint: I received this letter from this company claiming that I owe them a debt. To my knowledge I have never done business with this company nor have I entered into a contractual agreement with them. This is the second company that has contacted me in regards to this alleged debt so I think it is being sold from company to company
Company Response: Closed with explanation

Disputed: No Timely Response

2015-08-12

WV

Communication tactics

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

Frequent or repeated calls
Complaint: They keep calling about a cell phone debt that I owe, which I do, however XXXX XXXX XXXX said this company does not have my file and I feel they are a scam.
Company Response: Closed with explanation

Disputed: No Timely Response

2015-08-11

NC

Cont'd attempts collect debt not owed

Debt collection: I do not know

Debt resulted from identity theft
Complaint: i have an account that is fraudulent that have been listed with your agency and they have been listed with various credit reporting agencies with this false information. ... that needs to be removed i have gone through alot of trouble to get this taken care of I have filed a police report and a ftc id theft affidavit ...
Company Response: Closed with explanation

Disputed: No Timely Response

2015-08-06

Pikeville, NC

Disclosure verification of debt

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

Not disclosed as an attempt to collect
Complaint: Credence Resource Management, LLC. violated the Fair Debt Collection Practices Act, North Carolina Collection Agency Act, and North Carolina Debt Collection Practices Act by its failure to identify itself as required by said statutes during its communications addressed to me on XXXX XXXX, 2015 and XXXX XXXX, 2015. Fair Debt Collection Practices Act 807. False or misleading representations [ 15 USC 1692e ] ( 11 ) The failure to disclose in the initial written communication with the consumer and, in addition, if the initial communication with the consumer is oral, in that initial oral communication, that the debt collector is attempting to collect a debt and that any information obtained will be used for that purpose, and the failure to disclose in subsequent communications that the communication is from a debt collector, except that this paragraph shall not apply to a formal pleading made in connection with a legal action. North Carolina Debt Collection Practices Act 75 54. Deceptive representation. ( 2 ) Failing to disclose in all communications attempting to collect a debt that the purpose of such communication is to collect a debt. North Carolina Collection Agency Act 58 70 110. Deceptive representation. ( 2 ) Failing to disclose in the initial written communication with the consumer and, in addition, if the initial communication with the consumer is oral, in that initial oral communication, that the debt collector is attempting to collect a debt and that any information obtained will be used for that purpose, and the failure to disclose in subsequent communications that the communication is from a debt collector ; provided, however, that this subdivision does not apply to a formal pleading made in connection with legal action ; ( 7 ) Falsely representing the status or true nature of the services rendered by the collection agency or its business.
Company Response: Closed with explanation

Disputed: Yes Timely Response