Diversified Consultants, Inc

2017-01-25

Coral Gables, FL

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

2017-01-24

Long Beach, CA

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 Timely Response

2017-01-24

Mesa, AZ

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

2017-01-24

San Diego, CA

Disclosure verification of debt

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

Right to dispute notice not received
Complaint: On Wednesday, XXXX XXXX, XXXX, at XXXX PST, I called Diversified Consultants, Inc. to discuss the settlement of an alleged debt. I spoke with XXXX XXXX and his manager, XXXX. Through discussing the matter with both of them, I was assured that an email would be sent to me regarding the alleged debt and the reduced settlement amount that they had quoted to me. I gave XXXX my email address ( which he read back to me ), and assured me that I would receive that email soon after I got off the phone. XXXX had stressed the importance of making the payment on the XXXX, because it was the end of the month, and that he would not be able to guarantee that I would get such a reduced settlement amount in XXXX. The reduced settlement amount that was quoted to me was {$190.00}. As of XXXX XXXX, XXXX, I have not received any email from Diversified Consultants, Inc. XXXX XXXX did not do what he said he he was going to do. He did not send me the email that he said he would send me. I have the recording of the phone conversation between myself, XXXX, and XXXX ( at the beginning of the conversation, I explicitly asked XXXX if it was okay for me to record the conversation for documentation purposes, and he did not at any time object to be being recorded ). I should neither be penalized nor required to pay any higher amount because Diversified Consultants ( namely, XXXX XXXX ) did not follow through on sending me the requested email. Furthermore, on Thursday, XXXX XXXX, XXXX, I requested during a phone conversation with XXXX XXXX ( at XXXX ; I informed her that that call was being recorded for record-keeping and documentation purposes, and she did not object to being recorded. ) and in writing the following documentation ( via USPS Certified Mail ) : 1. The amount of money owed. 2. The name of the original creditor. 3. A statement that if I do not dispute the debt within 30 days, the debt is assumed valid. 4. A statement that if I dispute the debt within 30 days, the agency ( DIVERSIFIED CONSULTANTS ) will obtain proof of the debt and send it to me. 5. A statement that upon request, the agency ( DIVERSIFIED CONSULTANTS ) will provide the name and address of the original creditor, if it differs from the current creditor. 6. Proof that the agency ( DIVERSIFIED CONSULTANTS ) either owns or has been assigned the debt from the original creditor. 7. A copy of the statement from the original creditor. As of XXXX XXXX, XXXX, I only received one letter from Diversified Consultants, Inc. with the original bill attached. I have not received all of the documentation that I requested. I never received notice of right to dispute. For context, during XXXX XXXX, XXXX, I had been contacted several times by the offices of XXXX XXXX, Attorney At Law, regarding the same alleged debt. On Monday, XXXX XXXX, XXXX, I requested the same documentation from XXXX XXXX, Attorney At Law in writing ( via USPS Certified Mail ), to which I never received a response. I am aware that this alleged debt has switched hands at least several times. As such, I am naturally reticent to agree to the settlement of any alleged debt without the proper documentation that verifies both the legitimacy of said debt, and that the agency that is attempting to collect on said debt is the legitimate, legal possessor of that debt. Diversified Consultants, Inc. has clearly not conducted its affairs professionally or in good faith. I am, however, still willing to settle the alleged debt for the previously discussed amount of {$190.00}. I should not be in in any way penalized or subjected to a higher amount on account of the blatant, unprofessional negligence on the part of Diversified Consultants , Inc . This debt settlement will be paid with the explicit understanding that Diversified Consultants, Inc. will permanently remove this collections debt from my credit score.
Company Response: Closed with explanation

Disputed: No Timely Response

2017-01-24

Coconut Grove, 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

2017-01-24

NH

Disclosure verification of debt

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

Right to dispute notice not received
Complaint: I made a payment of {$24.00} to Diversified Consultants on/around XXXX/XXXX/XXXX over the phone. No action was taken until XXXX/XXXX/XXXX when they withdrew {$630.00} from my XXXX XXXX XXXX Bank account resulting in my account going negative and accruing an additional {$30.00} fee from the bank. When I called Diversified Consultants and asked for a refund they declined with hostile treatment.
Company Response: Closed with explanation

Disputed: No Timely Response

2017-01-23

Charlotte, NC

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

2017-01-23

Houston, TX

Cont'd attempts collect debt not owed

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

Debt is not mine
Complaint: I send them a certified letter that they received on XXXX/XXXX/16 and i have not received a response. I would like this removed from my credit report.
Company Response: Closed with explanation

Disputed: Yes Timely Response

2017-01-23

CA

Incorrect information on credit report

Credit reporting:

Information is not mine
Complaint: There is an account from Diversified Consultants stating the original creditor is XXXX listed on my credit report stating the open date is XXXX. This is not my account. I have had XXXX for 2 years. I never received a dunning letter from Diversified Consultants and have called and written letter to Diversified Consultants and XXXX numerous times with no resolution. This account needs to be removed from my credit report
Company Response: Closed with explanation

Disputed: No Timely Response

2017-01-22

IL

Cont'd attempts collect debt not owed

Debt collection: I do not know

Debt is not mine
Complaint: There is an open account from XXXX XXXX that I have no knowledge of. I had an account about a year ago that I canceled, but that was through a different carrier as well. Even then, my monthly bill was under {$50.00} dollars at the time. Not only did I not open this fraudulent account, it would have taken me years to accumulate this size of a bill. The amount is preposterous! Additionally, there is an On-line forum discussing fraudulent accounts and collection attempts on those accounts for this company. I want this off of my account and confidence that this company will never do this again! This company needs investigated for illegal business practices!
Company Response: Closed with explanation

Disputed: No Timely Response

2017-01-21

Mount Holly, OH

False statements or representation

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

Attempted to collect wrong amount
Complaint: Company is re-aging this debt on my credit report. This account was closed 6 years ago and they are saying the account was past due as of XX/XX/XXXX. They are also showing it was open on my credit report in XXXX this account has been closed since XXXX. I want this account removed, The balance is incorrect and the credit agency is violating the law.
Company Response: Closed with explanation

Disputed: Yes Timely Response

2017-01-20

Reidsville, NC

Communication tactics

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

Used obscene/profane/abusive language
Complaint: I was called at XXXX today by Diversified Consultants about a XXXX XXXX bill of {$680.00}. This was a random call and I really did not have the time to talk, as I was busy. So, I proceeded to ask XXXX XXXX XXXX could I call her back at another time because I was busy and she proceeded with : " well, we are on the phone right now, so why do n't we go ahead and get this settled. What are you going to do about the debt? It has been in collections since XXXX! I was shocked and I told her that that was not the right way to go about the situation especially if someone tells you that they are busy and they will call back. The phone got disconnected and I called back. It was XXXX XXXX again and I asked her if she wanted to try the conversation again. She proceeded with being very rude and nasty to me again ; therefore, I asked for a manager. I was put on hold and XXXX XXXX XXXX, the Supervisor on duty, came to the phone. I expressed to him that XXXX was very rude to me and I even told him what happened ; he replied with " well I understand that, but we are on the phone and you called back so what would you like to do about this debt that has been delinquent since XXXX? '' I was appauled because the professionalism was so horribly portrayed. I could not even carry on a conversation with these people because they were haggling and being very forceful and rude to me.
Company Response: Closed with explanation

Disputed: No Timely Response

2017-01-20

Wallington, NJ

Communication tactics

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

Frequent or repeated calls
Complaint: The company continues to repeatedly call and harass me during working hours even after I have asked them to stop. I get calls from them when I am in important meetings and it is putting my job in jeopardy.
Company Response: Closed with explanation

Disputed: No Timely Response

2017-01-20

Tucson, AZ

Cont'd attempts collect debt not owed

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

Debt is not mine
Complaint: XX/XX/XXXX, XXXX, a company that I 'd been with for 8 years, and whom I only quit because a salesperson who sold me a new phone committed fraud during the sale, claimed a debt of {$31.00} to my account after it was closed. XX/XX/XXXX, the debt came to my attention through personal monitoring of my credit on both XXXX and XXXX from an XXXX Credit Report. The information from XXXX stated that a company called XXXX posted the debt. After contacting XXXX, and submitting a complaint, XXXX then reported the anomaly. XXXX later claimed validity of the anomaly from information provided by " XXXX ''. I contacted XXXX regarding the debt and requested any and all associated information. They informed me that they no longer have any record or information regarding said debt. I also contacted agents at XXXX who could neither verify information, or confirm the debt and by XX/XX/XXXX, I believe, I visually confirmed that it was removed from my credit reports at both XXXX and XXXX. In about XX/XX/XXXX or XX/XX/XXXX it re-appeared from a different debt collection agency named, '' DIVERSIFIED CONSULTANTS INC ''. I contacted XXXX at that time and confirmed with them that it was the same debt which had clearly been sold to the new collections company and that I would need to again contest it. I did and never heard anything more from XXXX. It has not re-appeared on XXXX at all. I 'm XXXX. Further, now XXXX is making me jump through hoops this year to get a copy of my credit report. I 'm not at all happy. I 've been trying to teach others about managing their personal credit, but where 's the incentive to manage personal credit if there 's nothing the consumer can do to correct false reports?
Company Response: Closed with explanation

Disputed: No Timely Response

2017-01-19

Bellerose Manor, NY

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 Timely Response

2017-01-19

Philatelic Center, 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

2017-01-19

Odessa, FL

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

2017-01-19

Glen Burnie, MD

Communication tactics

Debt collection: I do not know

Frequent or repeated calls
Company Response: Closed with explanation

Disputed: No Timely Response

2017-01-19

Canton, OH

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

2017-01-19

Clarksville, TN

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

2017-01-19

Oxford, GA

Cont'd attempts collect debt not owed

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

Debt is not mine
Complaint: There is a debt on my credit report that does not belong to me, the credit report had removed it as they can not validate the debt, but to my surprise two weeks ago they added the debt back to my account without given me a written warning nothing to validate that this debt is mine. The credit bureaus continues to violated my right. I need help as I would like to take them to court for failing to validate a debt but then placed it back on my credit report
Company Response: Closed with explanation

Disputed: No Timely Response

2017-01-19

Austin, TX

False statements or representation

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

Attempted to collect wrong amount
Company Response: Closed with explanation

Disputed: No Timely Response

2017-01-19

Arvada, CO

Disclosure verification of debt

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

Right to dispute notice not received
Complaint: I was never contacted by Diversified Consultants ( DCI ) about a debt. The debt is not mine ; it belongs to my ex-wife. We used to share a comcast account that she improperly closed. DCI never contacted her or me about the debt ( {$63.00} ). The first I learned of the debt was when I noticed a collection on my credit report. I immediately contacted DCI, explained the situation, and was told it would be removed from my report. They never removed it. I disputed the collection with all XXXX bureaus. XXXX removed it immediately, XXXX is still pending, and XXXX contacted DCI, who instructed not to remove it. I contacted DCI again and spoke to a supervisor. He refused to tell me when and how they tried to contact me. He also refused to remove the collection from my credit report. When I asked to speak to the legal department, he said to hold but then hung up on me. I immediately called back and asked to speak to a supervisor again. I was then told that DCI has no legal department but they have a compliance department. He said he would transfer me to compliance bu then hung up on me. So here ' my complaint : DCI never contacted me about a debt, the debt is not mine, DCI filed collections with all three credit bureaus, I immediately paid the debt in good faith upon learning of the collection reports, DCI said they would delete the collections reports but never has and now refuses, DCI will not tell me when they tried to contact me, my ex-wife states that they never contacted her, DCI has hung up on me twice. DCI 's actions have dropped my credit score approximately XXXX points, and they refuse to rectify the situation, or even talk to me. THey will not remove the collection from my credit and will not provide me any documentation regarding the debt.
Company Response: Closed with explanation

Disputed: No Timely Response

2017-01-18

Cheverly, MD

False statements or representation

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

Attempted to collect wrong amount
Complaint: On XX/XX/XXXX, a XXXX sales representative visited my home which I signed a contract with XXXX for a Bundle ( TV, Internet, Phone ) the bundle price was {$94.00} per month. The salesperson also acknowledged that since I am a XXXX I am eligible for an additional {$10.00} discount. After calling XXXX and their representative walked me through signing up for this XXXX discount XXXX then cancelled out my contract from {$94.00} monthly to {$150.00} monthly. I began receiving monthly bills for {$230.00} to {$400.00}. This is clearly fraud against XXXX. I called XXXX for months trying to correct this problems and was told by their representative that the amount that I am being charged on my bill is what I am going to pay. After not getting any results I then told XXXX to cancel my service because this breech of my contract. They then told me if I cancel my service I will be charged an additional {$200.00} cancellation fees. Now they have sent my information to XXXX different bill collections agencies that are now harassing me for monies.
Company Response: Closed with explanation

Disputed: No Timely Response

2017-01-18

East Windsor, NJ

Disclosure verification of debt

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

Not given enough info to verify debt
Complaint: I recently started getting repeated calls from a debt collector regarding an outstanding balance of {$100.00} with XXXX. I have n't used XXXX in years and when I did, I paid my bill automatically. When I called XXXX, they could not tell me when I last had XXXX as my service provider. They said that the oldest records they have are from XX/XX/2013 and that the bill was from an earlier date. So they were unable to show me the bill. Also, is n't there a statute of limitations?
Company Response: Closed with explanation

Disputed: No Timely Response