Diversified Consultants, Inc
Consumer Complaints
There are over 4793 complaints on file for Diversified Consultants, Inc. Dated between 2019-12-05 and 2013-07-11.
Complaints Page 111
2017-07-28
Gastonia, NC
Attempts to collect debt not owed
Debt collection: Other debt
Debt was paid
Complaint: I canceled my contract with XXXX XXXX which incurred a debt of {$300.00} in XX/XX/XXXX. I sent a check to collection agency Diversified Consultants in the amount of XXXX which posted to their system on XX/XX/2017. I called to verify that they had received the check. While I was working with the collection agency, XXXX XXXX charged my checking account an additional {$300.00} without my authorization. Which created an overdraft on my account. I was able to call the bank and get them to reverse the charge since I was able to show that I had already paid the bill to the debt collector. On XX/XX/2017 I received a call from Diversified Consultants stating that I did not pay any debt. I tried to resolve the overcharge with both XXXX and Diversified but neither company was willing to work with me. XXXX told me that I would have to wait 90 days to contact XXXX to begin the process of recovering the overcharge. Diversified told me that it was my fault because I chose to send a check instead of giving them access to my checking account.
Company Response: Closed with non-monetary relief
2017-07-27
Newnan, GA
Written notification about debt
Debt collection: Other debt
Didn't receive notice of right to dispute
Company Response: Closed with non-monetary relief
2017-07-27
Brentwood, TN
Communication tactics
Debt collection: I do not know
Frequent or repeated calls
Complaint: Called my relatives. Mom and aunt. Threatened garnishment within 24 to 48 hours.
Company Response: Closed with explanation
2017-07-27
San Diego, CA
Attempts to collect debt not owed
Debt collection: Medical debt
Debt is not yours
Complaint: This company has attempted to collect a debt which is not mine, it is not my name but my social security number. There has been some mistake or my identity has been stolen. I have attempted to correct this matter several times with no success.
Company Response: Closed with explanation
2017-07-27
Ocklawaha, FL
Written notification about debt
Debt collection: Other debt
Didn't receive enough information to verify debt
Complaint: Diversified Collection Agency states that I have an alleged debt with them for a XXXX XXXX Account int he amount of {$1000.00}. I have disputed this alleged debt several times since XX/2016,X/2016,X/2016,X/2016. Under the Fair Debt collection Practices Act ( FDCPA ), I have the right to request validation of the debt you say I owe you. I am requesting proof that I am indeed the party you are asking to pay this debt, and there is some contractual obligation that is binding on me to pay this debt. This is NOT a request for " verification '' or proof of my mailing address, but a request for VALIDATION made pursuant to 15 USC 1692g Sec. 809 ( b ) of the FDCPA. I respectfully request that your offices provide me with competent evidence that I have any legal obligation to pay you. During this validation process, please cease and desist any attempts to collect this alleged debt and remove and or delete any negative marks from all three major credit bureaus ( XXXX, XXXX, XXXX ).
Company Response: Closed with non-monetary relief
2017-07-26
Jersey City, NJ
Attempts to collect debt not owed
Debt collection: Other debt
Debt is not yours
Complaint: On XX/XX/XXXX, I received correspondence from Diversified Consultants, Inc. ( DCI ) that I had debt in the amount {$990.00} for failing to pay XXXX. On XX/XX/XXXX I called DCI to figure out what this was about and they redirected me to XXXX. I called XXXX that same day and I was told I owed them {$990.00}. I informed them I have n't had XXXX since XX/XX/XXXX when I moved from XXXX XXXX XXXX, XXXX XXXX, NJ. My account was paid in full and disconnected when I moved. I moved in with family to XXXX XXXX XXXX and have not had services in the past two years. I was transferred to a different department who asked me if the debt could be for failure to return equipment. I told them, No because I returned it myself. They are advised me to write a dispute letter which I did ( all in the same day ) to DCI. DCI responded a couple of weeks ago with a simple letter that the debt was proven to be mine. The letter was absent of any information as to how they came up with their findings. If XXXX does n't know where the debt came from how do they?
Company Response: Closed with non-monetary relief
2017-07-26
Arco, CA
Attempts to collect debt not owed
Debt collection: I do not know
Debt is not yours
Complaint: I wrote a letter to this company to formally request a debt validation documents sent to me last XXXX XXXX, 2017. I have copies of the certified mail receipt so, they can not deny that there has not been any request made on that date. Up to now, I have n't received anything from this company which violates both FCRA and FDCPA. It has been more than 15 days since they got the verification/validation request and they did not even bother to respond. If this will still not be resolved, I am willing to get my legal counsel involved in legal actions.
Company Response: Closed with explanation
2017-07-25
Summer Shade, KY
Written notification about debt
Debt collection: Other debt
Didn't receive enough information to verify debt
Company Response: Closed with explanation
2017-07-25
Fort Worth, TX
Written notification about debt
Debt collection: I do not know
Didn't receive enough information to verify debt
Company Response: Closed with non-monetary relief
2017-07-24
Brandon, FL
Attempts to collect debt not owed
Debt collection: Other debt
Debt was result of identity theft
Company Response: Closed with explanation
2017-07-23
Charleston, SC
Written notification about debt
Debt collection: Other debt
Didn't receive enough information to verify debt
Company Response: Closed with non-monetary relief
2017-07-23
IN
Attempts to collect debt not owed
Debt collection: Other debt
Debt is not yours
Complaint: I am just finding out after 3 years that someone has incurred a bill and opened an account with XXXX back in XXXX XXXX, 2015. I DID NOT NOR HAVE NOT EVER HAD XXXX XXXX OR ANY PRODUCTS FROM XXXX! I am just being made aware of an account that was supposed to be had by me when i recently viewed my credit score on XXXX XXXX. It has had a negative and profound affect on my credit score and there is a derogatory remark on my credit report and I am currently disputing this claim against me and I further found out the name of the collection agency it was turned over to. I want this debt cancelled and erased form my credit profile because IT IS NOT MINE!!! Here it is two years later, only for me to find out that i have been a victim of fraud and an account has been opened with my name and I never had my id or license lost or stolen so how could this be? PLEASE I am asking for help in this matter and I never seen a bill came to my house or phone calls regarding this issue.
Company Response: Closed with explanation
2017-07-21
MS
Communication tactics
Debt collection: I do not know
Frequent or repeated calls
Complaint: This company calls me every single day, several times per day, starting from XXXX XXXX and going through XXXX XXXX, from a new phone number almost every time. They do not leave messages, but when I return their calls they answer as Diversified Consultants , Inc . I have asked them to stop calling me, but they still call. I have also been on the Do Not Call Registry since the inception of the registry, updating my request each time I change phone numbers and every few years ( even if I have not changed numbers ). Collectors have been trying to collect from my phone number on a debt apparently owed by a XXXX XXXX since I got this number in 2010, and rather than removing this number from their lists, it gets passed along from collector to collector. This agency is the WORST in terms of frequency of calls and times of calls, and switching phone numbers so that I can not keep their calls blocked.
Company Response: Closed with explanation
2017-07-21
CO
Incorrect information on your report
Credit reporting, credit repair services, or other personal consumer reports: Credit reporting
Account status incorrect
Complaint: OnXX/XX/XXXX I suspended my XXXX XXXX account due to an XXXX XXXX in XXXX XXXX ( Military ). Which I have XXXX XXXX XXXX XXXX.A couple of months into my tour in XXXX I attempted to lift the suspension on my account to attempt to connect service where my dependents were staying in CA.When I tried to open the account back up my account could not be found.On XX/XX/XXXX, I opened a new XXXX XXXX account ( Account still active and still in good standing ) and made several attempts to rectify the issue having to do with the account suspended in XX/XX/XXXX.No information could be found on the suspended account. On XX/XX/XXXX after the current account had already been opened I received a letter from XXXX XXXX stating that my account had been sent to collections ( Already having a current account ). Upon receipt of letter I attempted to call XXXX XXXX directly to rectify the issue and it turned out that my information on the first account had been annotated completely wrong.Making it troublesome for me to be able to relocate my past account. When I was speaking to the representative the rep told me that there was nothing they could do, but that I could pay my account to rectify the issue.My wife 's name was completely wrong, my name was completely wrong, and my SS # had been annotated wrong by 1 digit.This was a mistake on the provider 's part not mine.As of now, the " delinquent '' XXXX XXXX account negatively affects my credit even though I have a current XXXX XXXX account in good standing.
Company Response: Closed with non-monetary relief
2017-07-20
FL
Attempts to collect debt not owed
Debt collection: I do not know
Debt is not yours
Complaint: On XXXX XXXX around XXXX XXXX an individual from Diversified Consultants Inc. called my home number looking for XXXX XXXX. My wife answered the phone and told them ( 1 ) we do not know who this is, ( 2 ) no one by that name has ever lived at this number and ( 3 ) we have asked and been told multiple times when this company has called the number would be removed. They told us today it would happen. Problem is they always promise and then call back. On Thursday, XXXX XXXX, around XXXX I spoke to XXXX XXXX, told him the issue and asked to talk with a manager, he put me on hold and then the line went dead. I called back at XXXX XXXX, spoke to someone and asked to speak with a manager. I was transferred to XXXX XXXX in XXXX FL at XXXX. XXXX promised me my home number would be removed from their files. This is the second time I have filed a complaint about this issue. The last time was in XXXX of this year. Your agency told me the problem was resolved. It is my opinion they simply " sold '' the file to a sister company in a different state. Not sure how else to explain this.
Company Response: Closed with non-monetary relief
2017-07-20
Little Rock, AR
Attempts to collect debt not owed
Debt collection: Other debt
Debt is not yours
Company Response: Closed with non-monetary relief
2017-07-20
IL
Attempts to collect debt not owed
Debt collection: Other debt
Debt was paid
Complaint: Debt owed to XXXX of {$110.00} was paid in full to XXXX XXXX. Prior to payment of debt directly to XXXX, debt had been sold to Diversified Consultants. XXXX updated with Diversified Consultants that debt had been paid. I disputed with XXXX to have Diversified Consultants account deleted from credit report XXXX and XXXX. I spoke with Diversified Consultants XX/XX/XXXX to inquire why the account had not been removed. Diversified Consultants stated that though account was paid in full directly to XXXX and that account had been given back to XXXX that they had to have authorization from XXXX to remove from credit report and for me to speak with XXXX. I called XXXX and was told that CSR from Diversified Consultant was misleading and that account should have been removed from my credit report and as I am good standing that there is nothing on XXXX 's end that would prevent Diversified Consultants from removing the account from my credit report. I again called Diversified Consultants and told by another CSR that though debt is paid in full to original creditor that Diversified Consultants do not/ will not delete paid accounts and for me to consult a " credit expert ''.
Company Response: Closed with explanation
2017-07-20
Columbia, SC
Written notification about debt
Debt collection: Other debt
Didn't receive enough information to verify debt
Company Response: Closed with explanation
2017-07-20
Phoenix, AZ
Attempts to collect debt not owed
Debt collection: Other debt
Debt is not yours
Company Response: Closed with non-monetary relief
2017-07-19
Cincinnati, OH
Written notification about debt
Debt collection: Other debt
Didn't receive enough information to verify debt
Company Response: Closed with non-monetary relief
2017-07-19
Steubenville, OH
Written notification about debt
Debt collection: I do not know
Didn't receive enough information to verify debt
Company Response: Closed with non-monetary relief
2017-07-19
Ellis Island, NJ
Took or threatened to take negative or legal action
Debt collection: I do not know
Threatened or suggested your credit would be damaged
Complaint: Date : XXXX / XXXX /2017 XXXX XXXX XXXX XXXX XXXX XXXX XXXX , NJ, XXXX Diversified Consultants IN XXXX XXXX XXXX XXXX , XXXX XXXX , FL XXXX Phone : XXXX RE : Account # XXXX To Whom It May Concern : Be advised this is not a refusal to pay, but a notice that your claim is disputed and validation is requested. Under the Fair Debt collection Practices Act ( FDCPA ), I have the right to request validation of the debt you say I owe you. I am requesting proof that I am indeed the party you are asking to pay this debt, and there is some contractual obligation that is binding on me to pay this debt.
This is NOT a request for verification or proof of my mailing address, but a request for VALIDATION made pursuant to 15 USC 1692g Sec. 809 ( b ) of the FDCPA. I respectfully request that your offices provide me with competent evidence that I have any legal obligation to pay you.
At this time I will also inform you that if your offices have or continue to report invalidated information to any of the XXXX major credit bureaus ( XXXX , XXXX , XXXX XXXX ), this action might constitute fraud under both federal and state laws. Due to this fact, if any negative mark is found or continues to report on any of my credit reports by your company or the company you represent, I will not hesitate in bringing legal action against you and your client for the following : Violation of the Fair Debt Collection Practices Act and Defamation of Character.
I am sure your legal staff will agree that non-compliance with this request could put your company in serious legal trouble with the FTC and other state or federal agencies.
If your offices are able to provide the proper documentation as requested in the following declaration, I will require 15 days to investigate this information and during such time all collection activity must cease and desist. Also, during this validation period, if any action is taken which could be considered detrimental to any of my credit reports, I will consult with legal counsel for suit. This includes any listing of any information to a credit-reporting repository that could be inaccurate or invalidated. If your offices fail to respond to this validation request within 30 days from the date of your receipt, all references to this account must be deleted and completely removed from my credit file and a copy of such deletion request shall be sent to me immediately.
It would be advisable that you and your client assure that your records are in order before I am forced to take legal action.
CREDITOR/DEBT COLLECTOR DECLARATION Please provide the following : Agreement with your client that grants you the authority to collect on this alleged debt.
Agreement that bears the signature of the alleged debtor wherein he/she agreed to pay the creditor. Any insurance claims been made by any creditor regarding this account.
Any Judgments obtained by any creditor regarding this account.
Name and address of alleged creditor.
Name on file of alleged debtor. Alleged account number. Address on file for alleged debtor. Amount of alleged debt. Date this alleged debt became payable. Date of original charge off or delinquency. Verification that this debt was assigned or sold to collector. Complete accounting of alleged debt. Commission for debt collector if collection efforts are successful. Please provide the name and address of the bonding agent for Diversified Consultants IN. in case legal action becomes necessary. Your claim can not and WILL NOT be considered if any portion of the above is not completed and returned with copies of all requested documents. This is a request for validation made pursuant to the Fair Debt Collection Practices Act. Please allow 15 days for processing after I receive this information back.
Best Regards XXXX XXXX cc Federal Trade Commission cc Consumer Financial Protection Bureau
Company Response: Closed with explanation
2017-07-19
Carmel, IN
Attempts to collect debt not owed
Debt collection: Other debt
Debt was paid
Company Response: Closed with explanation
2017-07-19
Herndon, VA
Attempts to collect debt not owed
Debt collection: Other debt
Debt was paid
Company Response: Closed with non-monetary relief
2017-07-19
Kingstree, SC
Attempts to collect debt not owed
Debt collection: Other debt
Debt is not yours
Complaint: I would like Diversified Consultants, Inc. to stop all collection activity and close the file for account number XXXX. My intentions is for Diversified Consultants, Inc. to withdraw from any further collection activity on a bad debt that is n't mine to start with. I am demanding that they cease and desist from any future collection activities and not sell this debt to any other debt collection companies. I further demand that Diversified Consultants, Inc. is to NEVER insert this incorrect bad debt onto my credit records ( XXXX, XXXX, and XXXX ). Furthermore, this debt is to never be transferred or resold to any other debt collection companies for any further collection efforts and to stop all collection activity and close the file with account number XXXX. DISPUTED ACCOUNTS UNDER THE LAW AND MY RIGHTS MUST FURNISH PROOF AS REQUIRED BY LAW THIS IS A VALID DEBT.
Company Response: Closed with explanation