Diversified Consultants, Inc

2016-09-28

Ocklawaha, 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

2016-09-28

IA

Cont'd attempts collect debt not owed

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

Debt is not mine
Complaint: This is what I know. After reviewing, please also see attachments. These are screenshots of emails I received from the company showing return of phone and cancellation of service, followed by a credit to my account for unused service. -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- I ordered a phone and service from XXXX in XXXX 2015. When I ordered, I paid {$56.00} for the first month of service. I received my phone on Monday, XXXX XXXX. After using the phone for two weeks I decided to return it under XXXX 20 day return policy. I contacted XXXX and told them I was going to return the phone. They provided me with instructions which I followed. I mailed the phone back to XXXX and the processed a credit of {$56.00} to my account. I would like to add that the XXXX representative I spoke with about returning my phone assured me that this would satisfy my account with XXXX. I asked that the rep notate my account in case something like this might happen, which unfortunately it did. Maybe that notation can be looked up. I have tried to contact the company and credit agencies but I have n't gotten anywhere via those routes. I 'm not even sure what the {$710.00} collection is for. Did they not credit my device return properly? Did they not cancel the service when I called and requested cancellation for some reason? I 've attached two emails that I received from the company ( the one when I ordered and the one when they received my return ) to show that phone was returned in time and cancelled. This is impacting my ability to obtain credit and refinance my home, which is costing my family dearly. I believe this is an erroneous error on the part of XXXX that I would like resolved.
Company Response: Closed with explanation

Disputed: No Timely Response

2016-09-27

Wallington, NJ

Cont'd attempts collect debt not owed

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

Debt is not mine
Complaint: This is the XXXX complaint I file against XXXX XXXX XXXX with the CFPB for this debt to no avail. Approx. 6 months ago I walked into an XXXX XXXX XXXX store and entered into a contract for bundled cable service, home telephone service, and cellular service. I purchased an XXXX XXXX on a " buy one get one free deal '' as well. I sent one cell phone to my elderly mother in XXXX, whose cell phone bill I pay and whose service was included in my bundle of services. XXXX XXXX XXXX delivered my Mom 's cell phone almost 2 weeks after I purchased it bc they initially delivered it to the wrong address so my elderly Mom was without a cell phone for almost 2 weeks. Then XXXX XXXX XXXX told me they could n't provide the cable service I paid for and that the remaining services would cost me a lot more money per month because it was the bundling of services that qualified me for substantial discounts. The discounts were no longer available to me bc they could n't provide cable service. They also told me that I could cancel the contract altogether but that I had to return both iPhones within 3 days. I explained that my Mom would have to mail me the phone from XXXX so they agreed to extend the time within which I could return the phones and cancel the contract completely by ten ( 10 ) days because their records verified that it was their error in offering me the bundled services in the first place and for the late delivery of my Mom 's cell phone and the time it would take to have her return it to me from XXXX so I could return it to the store in XXXX. I returned both phones and canceled the contract in its entirety timely. Then the bills started coming. I spent countless hours on the phone with various reps who assured me the collections bills would stop because they were able to verify all of the errors and the issues that I described above. I repeatedly asked for a letter or email confirming they would stop collecting on this account. Each time I was told they could not provide documentation but that their collection dept was made aware - the account reconciled and properly closed out, and that I own them nothing. The collections bills kept coming. I filed a complaint with the CFPB. I never received a response from XXXX XXXX XXXX or the CFPB except the confirmation email that my complaint was submitted. Now XXXX XXXX XXXX has submitted me to an outside collection agency, Diversified Consultants, trying to collect on this bill. More importantly, they are ruining my credit score my submitting this fraudulent account to the major CRAs as a non paid account. I am at my wits ' end as to how to defend myself against this matter especially given that XXXX XXXX XXXX seems to hold all the cards - they breached the contract - have possession of the returned iPhones - never provided cable, cellular, or home telephone services, and are harassing me for money that I do not owe them and threatening to ruin my credit with collections tactics. Please help me. What do I do? Can we obligate their corporate office, their XXXX XXXX XXXX XXXX location and/or this collection agency to hand over all customer service notes and proof of return of the phones? It 's patently unfair, deceptive, and it must be illegal for them to do this. I literally have zero recourse against their actions except to file, for a XXXX time, a complaint with the CFPB.
Company Response: Closed with explanation

Disputed: No Timely Response

2016-09-26

August F. Haw, CA

Cont'd attempts collect debt not owed

Debt collection: I do not know

Debt was paid
Company Response: Closed with explanation

Disputed: No Timely Response

2016-09-24

Houston, TX

Cont'd attempts collect debt not owed

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

Debt was paid
Complaint: It was a Cell phone bill owed to XXXX. However the amount of {$450.00} was paid in full to XXXX with a XXXX balance prior to going in to collection. Collection Agency, DIVERSIFIED CONSULTANTS keeps calling and demanding to still collect debt. They still have collection account on my XXXX and XXXX files. i demand that this company stops calling me and remove the item from my XXXX and XXXX credit report immediately. i do have proof of payment on the account with a XXXX balance attached.
Company Response: Closed with explanation

Disputed: No Timely Response

2016-09-23

Dallas, TX

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

2016-09-23

Brooklyn, NY

Cont'd attempts collect debt not owed

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

Debt was paid
Complaint: DIVERSIFIED CONSULTANTS is failing to remove an account from my credit which has been paid. It should never have posted to my credit as we had an agreement which they claimed they would never post it to my report. They continue to damage my credit causing me XXXX & financial XXXX. I would like it removed immediately from my credit reports ...
Company Response: Closed with explanation

Disputed: No Timely Response

2016-09-22

Omaha, NE

Communication tactics

Debt collection: Credit card

Frequent or repeated calls
Company Response: Closed with explanation

Disputed: No Timely Response

2016-09-22

Leary, 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

2016-09-22

Penn, PA

Cont'd attempts collect debt not owed

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

Debt is not mine
Complaint: I have on my Credit report showing that XXXX XXXX is assuming that i owe them {$3100.00} and also i have a collection account stating that i owe Diversified Consultants {$3700.00}. I do NOT owe any of these companies any money. This needs to be ceased and dismissed. I will NOT being paying anything to these companies
Company Response: Closed with explanation

Disputed: Yes Timely Response

2016-09-22

Bakersfield, CA

Cont'd attempts collect debt not owed

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

Debt is not mine
Complaint: My husband and I have been looking at our credit reports over several months as we are preparing in making a home purchase XX/XX/2017. We wanted to make sure there was nothing preventing us from doing so. Over the last few months I have monitoring my credit with all XXXX bureaus to make sure that any accounts that are owed are paid off and anything that was incorrect was removed. When I received my full disclosures from XXXX a few weeks back I noticed that there was a new collection that appeared on my credit report for XXXX. Because I have n't had XXXX in a few years, and because when we last had them I left the account in good standing, I decided to call the collection agency to figure out what was going on. Unfortunately, I 'm very nervous when it comes to collectors so I asked my husband to make the call for me since he used to be a collector while I listened on speakerphone. My husband called Diversified Consultants. That is the collection agency that is collecting this account. When he spoke to their representative who went by the name of XXXX XXXX he asked her what this debt was for. She said she did n't know ... She then stated that she was just a collection agency and that if I wanted to know what the debt was for I would have to contact XXXX. When he informed her that he was a collector himself for many years and that he knew procedure and law of how collections are supposed to work and that she is supposed to know she stated " no we do n't. '' She stated she assumed that it was a final bill but again she did n't know. She even went as far as to say " sir the laws have changed for collections after all these years. I do n't know where you are getting your information from. '' Even after all that misinformation she was providing my husband, she went ahead and cut him off to transfer him to a supervisor. My husband then spoke with a XXXX who was a supervisor. During that conversation my husband found out that XXXX was billing for a supposed final billing cycle. They stated the account had been open for 3 years. When my husband asked why I was never notified or billed by either XXXX or Diversified Consultants the supervisor responded that they had. Because I know they have n't, my husband asked the supervisor for the address information and phone number information they had on file. The supervisor gave an old address but he did give a good phone number. He stated that his company had n't spoken with anyone about this debt. Also, because the address he had was an old one, I never received any notification about this debt. The supervisor then tried to say that it 's not XXXX nor their fault if I had n't updated them with a new address. That explanation of his is not relevant and is not a defense against improper billing and failing to validate debt. Because I had lived at the address they had on file for well over a year after services with XXXX were supposedly finished, XXXX had plenty of time to bill me or call me over this debt I supposedly owed. They did n't. It is not my responsibility to contact creditors whom I have had no contact in over a year to notify them of address changes. Regardless of anything the collection agency said, I have never been billed nor spoken to about this debt even though XXXX had the ability and obligation to do so. I have offered Diversified consultants the supposed due amount in exchange for the removal of this account from my credit report due to improper and non-existant collection attempts on this account. They refused to do so because they claimed it was my fault that I did n't tell XXXX that I had moved a year after I stopped service with them. Because I have played nice and offered a reasonable resolution only be told all this is my fault, I will now sue XXXX and Diversified consultants if you can not help me resolve their violation of the FDCPA and California XXXX FDCPA.
Company Response: Closed with explanation

Disputed: No Timely Response

2016-09-22

Cocoa, FL

Cont'd attempts collect debt not owed

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

Debt resulted from identity theft
Complaint: DIVERSIFIED CONSULTA ACCOUNT NUMBERs : XXXX XXXX/XXXX/XXXX XXXX XXXX XXXX XXXX, XXXX, FL XXXX Phone : XXXX ATTENTION TO DISPUTE DEPARTMENT : Dear XXXX : I am a victim of identity theft. An identity thief used my personal information without my permission to open an account several account in my name this debt is not mine. I have enclosed proof of my identity and a copy of my Identity Theft Report. In accordance with the Fair Debt Collection Practices Act, I am asking you to stop collection proceedings against me and stop communicating with me about this debt, except as the Fair Credit Reporting Act allows. I also ask that you DIVERSIFIED CONSULTA or any company associate with this account # XXXX and tell them the debt is the result of identity theft. I have enclosed a copy of the Federal Trade Commission 's police report Notice to Furnishers of Information. It explains your responsibilities under the Fair Credit Reporting Act ( FCRA ). The FCRA requires that debt collectors give an identity theft victim documents related to an account if the victim asks. Please send me copies of all records relating to the account, including : date account open all sign original contract including : Account applications made on paper, online, or by telephone Account statements or invoices Records of payment or charge slips Delivery addresses associated with the account Records of phone numbers used to activate or access the account Signatures on applications and accounts Investigators report Please send me a letter explaining what you have done to : DIVERSIFIED CONSULTA or any company associate with this account that the debt is the result of identity theft Stop collection proceedings against me Stop reporting information about the debt to credit reporting companies Provide me with the records I request Thank you for your cooperation. Sincerely, XXXX, XXXX XXXX XXXX SOC SEC # XXXX DOB XXXX/XXXX/XXXX ADDRESS XXXX XXXX XXXX XXXX, XXXX XXXX, FL XXXX
Company Response: Closed with explanation

Disputed: Yes Timely Response

2016-09-21

Riverside, 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

2016-09-21

Ft Trumbull, CT

Communication tactics

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

Frequent or repeated calls
Company Response: Closed with explanation

Disputed: No Timely Response

2016-09-21

Commerce, MI

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

2016-09-21

Oxford, GA

Cont'd attempts collect debt not owed

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

Debt is not mine
Complaint: I upgraded my XXXX XXXX XXXX internet service back in XXXX, XXXX was suppose to cancel the old service once new service was connected. I recieved a bill for the old service for {$130.00} months later I contacted XXXX twice and was told no problem we will take care of it and that I do not owe it. Today I got a collection notice stating I owe XXXX. I have been on the phone with XXXX XXXX XXXX for an hour and half I have been transfered 6 times and this is still not resolved
Company Response: Closed with explanation

Disputed: No Timely Response

2016-09-21

TX

Cont'd attempts collect debt not owed

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

Debt resulted from identity theft
Complaint: Company is reporting that I owe {$570.00} to XXXX XXXX XXXX, I have never has business with this company. This account is fraudulent.
Company Response: Closed with explanation

Disputed: No Timely Response

2016-09-20

Philadelphia, PA

Cont'd attempts collect debt not owed

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

Debt is not mine
Complaint: I had a plan in my name with a family member who did not keep up with their share of the bill, which drawed me to the conclusion of closing out the account which resulted with me being left with this outstanding balanced.
Company Response: Closed with explanation

Disputed: No Timely Response

2016-09-18

NJ

Cont'd attempts collect debt not owed

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

Debt was paid
Complaint: I paid the alleged debt on XX/XX/2016 through the same agency that is trying to collect or reported this account to XXXX. ( See attached docs )
Company Response: Closed with explanation

Disputed: No Timely Response

2016-09-17

Plano, TX

Disclosure verification of debt

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

Not given enough info to verify debt
Complaint: I discontinued my XXXX contract in XXXX of 2016. According to XXXX XXXX XXXX my new provider I needed to show receipt of payment to XXXX for the phone device that I had leased, and they XXXX XXXX XXXX would make me whole. WellXXXX immediately revoked access to all my billing statements and went ahead without any invoicing or giving me the bills even though I had asked the representative to send me those, charged my Credit Card for recurring charges. I disputed the item and the Card company agreed that the charge was n't recurring and XXXX inappropriately charged the card. That was the last I heard from XXXX or anyone on this. Just yesterday I received a notice that my credit report had been adversely affected. I researched and it turns out a Debt collection agency by the name of Diversified consultants had put this adverse action on my pristine report. I called them this morning and the agent was n't helpful at all and she hung up on me once I asked to speak with a supervisor. Neither XXXX nor Diversified in earnest tried to contact me. the call log on my phone number would show it and they have both the right number and the address for me.
Company Response: Closed with explanation

Disputed: No Timely Response

2016-09-16

Irvine, CA

Cont'd attempts collect debt not owed

Debt collection: I do not know

Debt is not mine
Company Response: Closed with explanation

Disputed: No Timely Response

2016-09-16

Key Biscayne, FL

Cont'd attempts collect debt not owed

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

Debt is not mine
Complaint: I checked my XXXX status and it stated that I have a balance of {$270.00} from XXXX, in which I do not have an account with, reported by XXXX and XXXX to DIVERSIFIED CONSULTANTS INC . I contacted XXXX customer service, which had a horrible customer service by the way, and only ended up asking for my social security and hung up on after XXXX transfers. I am now more concerned of the customer service representatives obtaining my social security number and on top of that a false status reported by a big company XXXX and XXXX from XXXX to Diversified Consultants Inc .
Company Response: Closed with explanation

Disputed: No Timely Response

2016-09-15

Five Points, 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

2016-09-15

Bellingham, WA

Communication tactics

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

Frequent or repeated calls
Company Response: Closed with explanation

Disputed: No Timely Response

2016-09-15

Clayton, MO

Cont'd attempts collect debt not owed

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

Debt was paid
Complaint: I was contacted by Diversified Consultants , Inc, XXXX XXXX at XXXX regarding an outstanding balance from XXXX XXXX XXXX. XXXX specifically communicated by our arrangement to settle the debt that XXXX XXXX XXXX would restore my account to good standing so I could restore any services with them nor require additional payment and no further collection or issues would exist. Well, that 's not the case. XXXX is not back tracking after I contacted her XXXX/XXXX/16 stating if XXXX XXXX XXXX wants to continue to collect the difference of the settlement or {$180.00} that is their prerogative. In addition to XXXX XXXX XXXX not allowing any new services they have now hired a new collector, XXXX XXXX XXXX , XXXX at XXXX. I have since spoke to XXXX 's manager, XXXX XXXX at XXXX who is stating XXXX XXXX XXXX can continue to collect. I explained to XXXX he then needs to pull the recorded conversation on file to validate my inquiry as valid and conclude I was mislead or lied to by XXXX. Having XXXX XXXX XXXX restore my account to good standing with no further payment was the reason I agreed to the arrangement and now it 's the one thing not happening not to mention more collection notices from the new Collection Agency.
Company Response: Closed with explanation

Disputed: Yes Timely Response