Diversified Consultants, Inc

2016-12-24

Cheverly, MD

Cont'd attempts collect debt not owed

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

Debt is not mine
Complaint: Debtor attempts to collect and refuses to present a verification of the debt, after several requests.
Company Response: Closed with explanation

Disputed: No Timely Response

2016-12-23

Dayton, MN

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

2016-12-23

Springfield, IL

Cont'd attempts collect debt not owed

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

Debt is not mine
Complaint: XXXX sent an account which is not mine to XXXX XXXX. I disputed the debt, and they fixed the problem and removed the tradeline from my report. Last time I checked my report it is now back on there by another agency Diversified consultants. Same debt, same amount. I do not owe this!! XXXX allowed an order to be placed in my name but shipped phones to an address in XXXX XXXX IL which is about XXXX miles from my home address. This was found out when I disputed the first time. They admitted the phones order was placed online and the phones were shipped to an address other than mine. I complained to XXXX reguarding this and DCI sent me a form to be filled out with XXXX which had been done previously with XXXX and I refuse to do again because a fraud hit on my credit report will hurt more than this tradeline. I am running out of options as DCI are very hard people to deal with. My next options are to report sprint to XXXX, and CFPB
Company Response: Closed with explanation

Disputed: No Timely Response

2016-12-23

Lk Buena Vis, FL

Disclosure verification of debt

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

Not disclosed as an attempt to collect
Complaint: I have disputed Diversified Consultantso several times asking for them to validate the debt. To date I never received any communication from the collection agency. I am requesting to remove all collection accounts from all bureaus.
Company Response: Closed with explanation

Disputed: No Timely Response

2016-12-23

Symbol, KY

False statements or representation

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

Attempted to collect wrong amount
Complaint: First of all, I have XXXX complaints for the SAME thing from XXXX on my XXXX credt report and it 's on XXXX once. Secondly, I called XXXX to tell them to cancel my service, since my husband had passed away and he was the one who had used it. They did not cancel when they were supposed, and their service was not even used during that period they 're charging for. What really burns me up, is that I had been a customer with direct for more than XXXXXXXX years, and they treat their loyal customers this way.
Company Response: Closed with explanation

Disputed: No Timely Response

2016-12-23

Atlanta, GA

Cont'd attempts collect debt not owed

Debt collection: I do not know

Debt is not mine
Complaint: Diversified Consultants , Inc continues to call my phone XXXXXXXX times a day trying to collect a debt that is n't mine. I asked them to mail me a certified return-receipt validation of this debt so I could contest it, and they refused. My attempts at explaining this situation to a supervisor were dismissed out of hand, and I was told to pay up or they would continue calling me.
Company Response: Closed with explanation

Disputed: No Timely Response

2016-12-22

Longview, TX

Disclosure verification of debt

Debt collection: I do not know

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

Disputed: Yes Timely Response

2016-12-22

San Diego, CA

Disclosure verification of debt

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

Right to dispute notice not received
Complaint: Recently I contacted the XXXX credit bureaus XXXX requesting my annual credit report and I realized that the company name DIVERSIFIED CONSULTANS with address XXXX, FL XXXX. And I realized that this company is trying to collect XXXX dollars in the name of XXXX. Where I did not time authorized XXXX to share my personal information such as my social security, my date of birth and my first name and my last name with any collection company including XXXX. Therefore I need XXXX to erase my information from their records and stop trying to collect the amount of XXXX dollars, since I never signed any contract with them, where I authorized them to have my personal data to satisfy its business. Therefore and others I demand this company remove my data from their files, so that I do not have to see myself in the obligation to take legal action, since in the past I was a victim of identity theft
Company Response: Closed with explanation

Disputed: No Timely Response

2016-12-22

Los Indios, TX

Cont'd attempts collect debt not owed

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

Debt was paid
Complaint: Reports collection as being opened XXXX ( when they purchased the debt from previous collector ). Original date of delinquency with original creditor is XXXX. Debt has been sold/purchased by multiple collection agencies within the last 3 years. Have filed disputes will all XXXX credit bureaus. Have been denied for other credit accounts and mortgage because the date displayed does not reflect the true age of the debt and it appears I have a new delinquency when I do not.
Company Response: Closed with explanation

Disputed: No Timely Response

2016-12-22

Atlanta, GA

Cont'd attempts collect debt not owed

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

Debt is not mine
Complaint: I signed up for XXXX cable and internet service, but was immediately dissatisfied with the service. I used their online chat to cancel my account within the first 30 days of service. I have a saved, time-stamped chat log confirming the account was closed. I then returned all XXXX equipment the very next day, which was also within the first 30 days of service. I have a dated receipt from the local XXXX office showing the exact serial numbers of all equipment returned. XXXX 's 30 day money-back guarantee entitled me to cancel the new account and owe nothing. However, XXXX apparently sold this false debt to Diversified Consultants. I provided all proof of cancellation and equipment return receipts to Diversified Consultants but they refuse to remove the derogatory remark from my credit report.
Company Response: Closed with explanation

Disputed: No Timely Response

2016-12-22

Knoxville, TN

Disclosure verification of debt

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

Right to dispute notice not received
Complaint: XXXX has sent me to collections and have conveniently deleted/lost all the notes regarding my account. When I contacted the collection agency they say that XXXX will not allow them to have a copy of the notes to my account and thus ca n't give them to me either. I had thought I closed my account back in XXXX XXXX because I was getting another phone through my work. I was told my phone had been paid through the EIP program. I moved in XXXX XXXX to a different address and had all mail forwarded for 6 months but did not receive notification of collections. Even worse, the charges are {$790.00}, even though my phone was paid for and I had not used my phone since XXXX XXXX. No one at XXXX can tell me what the charges are as well as the collections agency it was sold to.
Company Response: Closed with explanation

Disputed: No Timely Response

2016-12-22

Bakersfield, CA

Cont'd attempts collect debt not owed

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

Debt is not mine
Complaint: Today I spoke with a few collectors working for Diversified Consultants Inc . I was speaking with them because I was attempting to purchase a home and was told that there was a collection account for {$68.00} reporting on my credit report. Because I have never had a collection account I was completely shocked. I was more shocked that this {$68.00} collection was the only thing keeping me from buying a home. Because it was the only thing keeping me from buying a home I asked the lender if I could simply pay it and move on even though I did n't recognize the debt and did not owe it. The lender said that unfortunately paid collections are still derogatory accounts on my credit report and it would do nothing to improve my score. At that point I became furious but decided to attempt to be political about the entire situation and contact Diversified Consultants. At first I spoke with XXXX. To make things concise and to the point, she admitted that they had my phone number but never made any contact with me about this debt. This debt being a XXXX XXXX " final bill '' from 3 years ago. I made it clear that I fulfilled my 2 year contract with XXXX XXXX and was on a month to month with them. I also made it clear that I stopped their services to switch providers in a proper manner. Furthermore, I pointed out to her that XXXX XXXX bills you a month in advance. Not only did I fulfill my obligation, I cancelled in a proper manner and paid any amount due. Never once did XXXX XXXX call me or bill me for any amount due. Not only did XXXX XXXX never bill me or call me for any amount, but any amount they claim I owe for a final bill is erroneous as they are paid a month in advance. Switching providers mid month would only cause me damage as I have paid in full for a month 's service that I will not receive. Furthermore, XXXX admitted that Diversified has never made phone contact with me and she admitted they had my phone number. She did try to claim they sent bills to my address but I have never received XXXX. In other words, they are placing an account on my credit report for money I do n't owe or that ANYONE has ever notified me about. Because I have been at my address for many years and have had my phone number for just as long, Diversified and XXXX XXXX have had ample opportunity to notify me about it. They have failed to do so. I even attempted to be amicable and offer them to pay the account in full since it was a measly {$68.00} in exchange for taking this account off my report. They refused. They stated that they do n't control the credit reporting ... I told them I knew that was a lie. Since it is their company who reports to the credit bureaus, they are the ones choosing to place and maintain the account on my report. When I then asked to speak to a supervisor I was transferred to XXXX XXXX. XXXX was just as bad as XXXX and further lied to me. He stated that They could n't remove accounts from the credit report since they did n't control the reporting and that was n't proper. If that was really true, then how about accounts that are fraudulent? Do those get permanently stuck on the credit report as well? Furthermore, would n't contacting me about the debt and giving XXXX a chance to dispute it before they damage my credit report be the proper way of collecting a debt? We all know the answer to both those questions. Also, when I told him I was filing a complaint against him and the prior representative, He gave me his full name but when I asked for XXXX 's, he said he ca n't give out the full names of employees ... I told him to transfer me back to XXXX and he refused. I asked him 6 times and he refused 6 times. I then asked him to speak to his manager and he sent me to his voicemail. He even went as far as to lie again and said we did n't have your phone number to contact you in order to protect himself.. I informed him XXXX already said they did so he was lying
Company Response: Closed with explanation

Disputed: No Timely Response

2016-12-21

Jersey City, NJ

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

2016-12-21

Columbus, OH

Disclosure verification of debt

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

Not given enough info to verify debt
Complaint: I have an unverified account from DIVERSIFIED CONSULTANTS. I had previously disputed this account. I have never done business with DIVERSIFIED CONSULTANTS. Pursuant to the Fair Debt Collection Practices Act ( FDCPA ) 15 U.S.C.1692g, I dispute the validity of the debt purport I owe. I request that DIVERSIFIED CONSULTANTS Provide verification of the following : 1. The original Application or contract ; 2. Any and all statements allegedly related to this debt ; 3. Any and all signed receipts ; 4. Any and all canceled checks ; 5. Original date of default and collection activity begin 6. Whether you purchased the debt, and if so, the amount paid for the debt 7. The date ( s ) the debt allegedly accrued ; 8. An itemization of the costs, including an accounting, for any additional interest, charges, or other fees placed on this account. I want to request that DIVERSIFIED CONSULTANTS Cease and Desist all further communications and collection actives and provide the verification of the purported debt.
Company Response: Closed with explanation

Disputed: No Timely Response

2016-12-21

IL

Disclosure verification of debt

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

Right to dispute notice not received
Complaint: The account just appeared in my credit I have never received ANY written notice prior to being listed to my credit, also I have made several attempts to complete ID theft and they still have not sent verification of debt
Company Response: Closed with explanation

Disputed: No Timely Response

2016-12-20

Northside, NC

Cont'd attempts collect debt not owed

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

Debt was paid
Complaint: Diversified Consultants , Inc via XXXX. Amount {$290.00} This Debt of {$850.00} was settled on XXXX XXXX, XXXX in the amount of {$550.00} PAID IN FULL per ( XXXX ), Supervisor for Diversified Consultants , Inc XXXX and that the account was closed. I received a bill of {$290.00} with an account opened by XXXX XXXX XXXX on XXXX XXXX, XXXX which I did not authorize and is now showing on my credit report. I have made XXXX XXXX } phone calls back and forth to XXXX XXXX XXXX and Diversified telling me that this account was settled on XXXX XXXX, XXXX. The last call happening on XXXX from Diversified XXXX XXXX XXXX XXXX stating that an email would be sent from XXXX XXXX XXXX supervisor to my address on Monday XXXX confirming settlement. I never received this email. I have documentation that supports my account was settled/paid in full via XXXX XXXX XXXX on XXXX.
Company Response: Closed with explanation

Disputed: No Timely Response

2016-12-19

Inkster, MI

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

2016-12-19

Tampa, FL

Cont'd attempts collect debt not owed

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

Debt is not mine
Complaint: Apparently, an account was opened in my name before I turned XXXX ( legal age to assume debt ). I reached out to this agency to find out why they allowed an account to be opened in my name and not check the date of birth to ensure it was legal? The representative advised the information would be corrected and deleted from my credit report. Since this was a trusted family member who opened the account, I chose not to pursue legal measures. However, I STILL paid the balance owed of {$180.00} to the original creditor ( XXXX XXXX ) to clear my name etc. Records will show that I was not an adult when this account was opened.
Company Response: Closed with non-monetary relief

Disputed: No Timely Response

2016-12-17

Brentwood, NC

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

2016-12-17

Atlanta, GA

Improper contact or sharing of info

Debt collection: I do not know

Contacted me after I asked not to
Complaint: i have asked them several times not to cal me they call me several times a day even during inappropriate times of the day
Company Response: Closed with explanation

Disputed: No Timely Response

2016-12-16

Farmer Market, 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

2016-12-16

Grovetown, 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

2016-12-16

Oxford, GA

Cont'd attempts collect debt not owed

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

Debt is not mine
Complaint: I have no knowledge of the debt, my account with XXXX bureaus such as XXXX and XXXX has a fraud alert on it.
Company Response: Closed with explanation

Disputed: Yes Timely Response

2016-12-16

Middleburg, FL

Communication tactics

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

Frequent or repeated calls
Company Response: Closed with explanation

Disputed: No Timely Response

2016-12-16

Fleming, 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