Diversified Consultants, Inc

2017-02-14

Manhattan, NY

Cont'd attempts collect debt not owed

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

Debt was paid
Company Response: Closed with explanation

Disputed: No Timely Response

2017-02-14

Etna, OH

Disclosure verification of debt

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

Right to dispute notice not received
Company Response: Closed with explanation

Disputed: Yes Timely Response

2017-02-14

Ashville, OH

Cont'd attempts collect debt not owed

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

Debt is not mine
Complaint: I have received several calls in the past XXXX weeks from a debt collection company call Diversified Consultants Inc. XXXX XXXX. I was contacted concerning a {$340.00} debt in XX/XX/XXXX with XXXX. I was told that the debt was given to Diversified Consultants Inc. by XXXX ( another debt collections agency ) on XX/XX/XXXX. I was also told " XXXX did n't have a phone number to XXXX but I can XXXX them ''. XXXX of the people I talked with at Diversified Consultant XXXX was XXXX. XXXX demanded that I either " pay my debt or dispute it ''. I explained several times to XXXX that I already disputed the bill and it was removed from my credit a few years ago because in XX/XX/XXXX XXXX was charging their bills in advance without notifying us as customers. I requested that I be transferred XXXX to ensure this wo n't be an issues going forward since its been 11 years but, was refused my request. I did google XXXX and found their phone number XXXX. I talked to an operator who then transferred me to someone in " consumer credit '' named XXXX. XXXX did n't know how to help me either and ended transferring me back to Diversified without any solution to my concern.
Company Response: Closed with explanation

Disputed: No Timely Response

2017-02-14

Galena, OH

Cont'd attempts collect debt not owed

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

Debt is not mine
Complaint: I spoke to XXXX XXXX with Diversified Consultants on XX/XX/XXXX. I contacted the company concerning a payment for an account with XXXX XXXX XXXX and he informed me that I have an account with XXXX XXXX for {$250.00} as well. I asked when the XXXX XXXX account was placed with them and he stated it was placed with them on XX/XX/XXXX which I found disturbing because when I communicated with Diversified on XX/XX/XXXX and spoke with XXXX concerning the XXXX XXXX account I was not told that I had an account with XXXX XXXX as well and they never sent a notice to my address in which they had on file at the time. I knew immediately that the XXXX account was one that I disputed with XXXX XXXX on XX/XX/XXXX. I asked XXXX to contact the original creditor for a breakdown of what the {$250.00} consisted of and the only thing they would provide to me was a copy of the last bill that XXXX XXXX sent to me which did not break down what I was being charged for. XXXX XXXX came to the conclusion that they could not provide me what I asked for so they canceled the account and I was under the impression that this was resolved. Please see attachments for my communications with XXXX XXXX. After I attempted to explain the situation to XXXX and informed him that I was disputing the debt he interrupted me and attempted to offer a settlement of {$110.00} that I explained to him I do n't owe. So I reached out to the Original creditor on XX/XX/XXXX ( XXXX XXXX ) and spoke with XXXX ( who stated she was located in a call center in the XXXX area ) at XXXX. I explained the situation to her and she came to the conclusion that I in fact DO NOT OWE XXXX XXXX. XXXX explained to me that she adjusted the account to a {$0.00} balance as of XX/XX/XXXX. My complaint is that Diversified Consultants is not trying to help me get this cleared, they only want to collect money that I do not owe. They need to contact their client and get this issued cleared. If my credit report is affected by this I will be taking this further than the CFPB. I already know Diversified Consultants is going to try and send me a copy of the last bill as proof that I owe so I 'm going to save them some time. I have attached a copy of XXXX 's validation ( which does n't provide proof of what the charge is for ) and communications with XXXX explaining to them and the CFPB XX/XX/XXXX what happened with XXXX XXXX. I suggest Diversified consultants speak with their client to confirm this debt is not owed.
Company Response: Closed with explanation

Disputed: No Timely Response

2017-02-13

Braddock Hills, PA

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

2017-02-13

Magnolia, TX

False statements or representation

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

Attempted to collect wrong amount
Complaint: This debt is from XXXX XXXX and I do owe for one last month of service, nothing more than that. I received a letter from a new collection agency called Diversified Consultants, Inc., explaining that I owe a much larger sum and also added a " Collection cost '' to the balance.
Company Response: Closed with explanation

Disputed: No Timely Response

2017-02-13

Taft, OH

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: Yes Timely Response

2017-02-12

AR

Disclosure verification of debt

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

Right to dispute notice not received
Complaint: I have never received notice of this debt to my knowledge
Company Response: Closed with explanation

Disputed: No Timely Response

2017-02-11

Lithonia, 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

2017-02-11

Downey, CA

Cont'd attempts collect debt not owed

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

Debt was paid
Company Response: Closed with explanation

Disputed: No Timely Response

2017-02-11

Cheverly, MD

Cont'd attempts collect debt not owed

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

Debt was paid
Complaint: I moved from my condo and disconnected my bundled tv through XXXX and XXXX and paid the bill off through XXXX & XXXX, however XXXX turned the amount I paid them to satisfy my bill into a debt collector. I 've contacted XXXX 8 times and they have where I satisfied the bill but have n't contacted the debt collector to take this charge off. I do not owe the {$340.00}.
Company Response: Closed with explanation

Disputed: No Timely Response

2017-02-11

Winnsboro, LA

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

2017-02-10

Discovery Bay, CA

Cont'd attempts collect debt not owed

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

Debt is not mine
Complaint: I bought a phone from XXXX. The contract states if I return phone within 3 days then I will not be responsible for any fees whatsoever, talked to XXXX 8 to 10 times each of which I was told I did not owe anything and my 50 dollar deposit would be returned. Never received deposit back and they have been illegally reporting this as I returned phone within 3 days and have proof of return by XXXX receipt mailed back within 3 days.
Company Response: Closed with explanation

Disputed: No Timely Response

2017-02-08

Fernald, IA

Disclosure verification of debt

Debt collection: I do not know

Not given enough info to verify debt
Company Response: Closed with explanation

Disputed: No Timely Response

2017-02-08

Disclosure verification of debt

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

Not given enough info to verify debt
Company Response: Closed with explanation

Disputed: No Timely Response

2017-02-08

Chicago, IL

Disclosure verification of debt

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

Right to dispute notice not received
Company Response: Closed with explanation

Disputed: No Timely Response

2017-02-08

Chicago, IL

Disclosure verification of debt

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

Not given enough info to verify debt
Complaint: I received first correspondence around XX/XX/2016 for an alleged debt for XXXX. I immediately responded and disputed the debt as well as requested " validation '' or proof of alleged debt. A week or so after I received a blank invoice from collection agency holding supposed " debt '' with a total balance due - No line items or explanation of what the amount due was for. I then responded requesting evidence of debt rather than a blank invoice with no line items or proof of debt. The representative assured me that this " debt '' would not be reported to the credit bureaus until I received some sort of validation explaining services rendered or detailing what charges occurred for me to be responsible for this debt. I received no further correspondence until I learned that this company has since reported this " debt '' against my credit and my score has since dropped XXXX points. I then called yesterday, XX/XX/XXXX requesting explanation of this behavior and why I was not contacted with further proof of supposed debt. I was quickly transferred to their collections floor manager ( XXXX ) who could not explain why they had illegally reported against my credit and seemed to not be interested in answering any of my questions. He seemed to have a tenuous grasp of his credit reporting procedures and instead of answering my simple questions he decided to call my questions " contradictory ''. He curtly advised that I call another department for explanation of this. I believe he knew his agency was in the wrong because he kept trying to push me off of the phone. When I finally asked him point blank if he has the power to delete credit accounts that have already been reported he abruptly hung up on me, which I obviously found to be very rude, instead of attempting to help me in any way. Or explain in any degree of detail why I had not received any proof of debt. They should have not reported this supposed debt while it was under dispute. All calls are claimed to be recorded and I have responded quickly to any attempt to collect this " supposed '' debt. I am contemplating retaining legal council to deal with this problem because the agency in question seems to not want to adhere to the strict laws that protect consumers like me. This process has caused me a great deal of stress and mental anguish as well as affected my otherwise impeccable credit record. I feel like I have exhausted all avenues that are available to me as a consumer and this is my last effort before retaining legal council. Thank you for your consideration
Company Response: Closed with explanation

Disputed: No Timely Response

2017-02-08

Bloomington, MN

Cont'd attempts collect debt not owed

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

Debt is not mine
Complaint: The Diversified Consultants debt collector calls everyday repeatedly all hours of the day and night and hangs up from number XXXX. They have never once left a voicemail or stated who they are they just call and call. They have never mailed a bill. They have been calling daily for the past XXXX months.
Company Response: Closed with explanation

Disputed: Yes Timely Response

2017-02-07

Houston, TX

Taking/threatening an illegal action

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

Threatened to sue on too old debt
Company Response: Closed with explanation

Disputed: No Timely Response

2017-02-07

Inglewood, CA

Disclosure verification of debt

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

Not given enough info to verify debt
Company Response: Closed with explanation

Disputed: No Timely Response

2017-02-07

Houston, TX

Incorrect information on credit report

Credit reporting:

Account terms
Complaint: my disputed bill with att phone compagny was paid in amount of XXXX $ but the collection company added another amount that i am not aware about and now it showing in my credit report as a negative itemes
Company Response: Closed with explanation

Disputed: No Timely Response

2017-02-07

Melrose Park, IL

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

2017-02-07

Baton Rouge, LA

Disclosure verification of debt

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

Not given enough info to verify debt
Complaint: Diversified Consultants Inc., never reached out to me to notify me of any debts that I have with them or to notify me of credit reporting. I had no knowledge of their company until I recently checked my credit report, in which I immediately disputed. I asked for verification that they have the correct person, they could not provide me with documentation signed by me stating I owe, or would pay them any monies for the debt in which they are collecting on behalf of. They have n't sent me anything but a paper with an amount and my name and address. Upon receipt of that letter with my name, address, and amount, I sent the company a debt validation letter asking that they send me any and all proof that they used to verify the debt which would include contracts signed between their company and I, or any type of agreement signed by me from their company or that they remove the debt from my credit and stop incorrectly reporting any debts, they have done neither.
Company Response: Closed with explanation

Disputed: Yes Timely Response

2017-02-06

Smyrna, GA

Cont'd attempts collect debt not owed

Debt collection: I do not know

Debt is not mine
Company Response: Closed with explanation

Disputed: Yes Timely Response

2017-02-06

WA

Cont'd attempts collect debt not owed

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

Debt is not mine
Complaint: I have begun receiving at least XXXX to 3 calls per day from Diversified Consultants , Inc . They are very rude and claim they are contacting me regarding a bill I owe to XXXX XXXX XXXX. I do not owe XXXX XXXX XXXX and do not want to continue to be harassed by this organization and want them to stop. Today I received a letter via the mail claiming I owe a balance of {$550.00}. Please make them stop calling and mailing me. Thank you in advance.
Company Response: Closed with explanation

Disputed: No Timely Response