Diversified Consultants, Inc

2016-07-27

Schuylkill Haven, PA

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

2016-07-26

Chula Vista, CA

Communication tactics

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

Frequent or repeated calls
Company Response: Closed with explanation

Disputed: No Timely Response

2016-07-26

Birmingham, AL

Disclosure verification of debt

Debt collection: I do not know

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

Disputed: No Timely Response

2016-07-25

Buffalo, NY

Communication tactics

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

Used obscene/profane/abusive language
Company Response: Closed with explanation

Disputed: No Timely Response

2016-07-25

MI

Disclosure verification of debt

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

Right to dispute notice not received
Complaint: I got a a call from diversified consultants and they were asking for my social and address before even saying who they are and why they are calling. I declined to give them my personal information and then I see that they reported to credit bureaus a collection of XXXX $ to XXXX that I do not know why i am being billed for it. I never recieved an invoice, bill, collection letter or anything. All I recieved was a phone call from an agency asking for my social!!
Company Response: Closed with explanation

Disputed: No Timely Response

2016-07-23

Harsens Is, MI

Cont'd attempts collect debt not owed

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

Debt is not mine
Complaint: A registered letter was sent to XXXX XXXX XXXX regarding a collection with XXXX services requesting that this collection agency validate that I owe this debt. The validation request letter was done around XX/XX/2016 requesting documents showing my signature on this XXXX account that they are trying to collect. Received a response from XXXX XXXX XXXX that the account was closed and I do not owe this debt.On XX/XX/2016 Diversified Consultants, Inc. reopened this collection right after it was closed from XXXX XXXX XXXX on XXXX/XXXX/2016 restating that this collection with XXXX was reopened ( Opened ) requesting payment of this balance of {$390.00}, of which the balance has increased from the original balance of {$380.00}. Being that XXXX XXXX XXXX could not validate this debt, of which I do not owe nor does this bill belong to me, this new collection agency has reopened this collection immediately after the closing from XXXX XXXX XXXX. First of all, I do not own this debt, second, it is not my account and third, this reopening of this collection has directly affected my ability to purchase a home. It has placed a negative image of my credit worthiness on all XXXX credit reports and has stopped me from purchasing a home which had a direct decrease of my credit score. I had been pre-approved for a mortgage in XX/XX/XXXX and now it has been denied due to my credit score, which resulted from Diversified Consultants, Inc. reopening this collection of which again I state that I do not owe nor do I own this collection. Thank you.
Company Response: Closed with explanation

Disputed: No Timely Response

2016-07-22

Oxford, GA

Cont'd attempts collect debt not owed

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

Debt is not mine
Complaint: XXXX had put in a soft disconnect which interrupts the service before a formal interruption is done. This was done throughout the time in 2014 when I had their service. The snow storm in XXXX 2014 causes equipment problems where I could not use my phone. After I got behind in my bill I paid it but they continued to bill me for full service even though the phone was n't working and the TV and internet were intermittent. I paid the amount that I would have owed but they continued to bill me for services not rendered. A representative from their Corp office called me & said it would be deleted and removed from my account because of the soft disconnect which she acknowledged. It was recalled in XXXX and from XXXX agency in XXXX and deleted. I pulled my credit report and found it resurfaced under another collection agcy after I got new service with them The acct # XXXX. I disputed it with all of the collection agencies and it was deleted which proves what I said. I was told since I don ' t have the letter that was sent to me, they wo n't do an adjustment, but the credit bureaus would n't delete it unless they had proof which the Corp rep said she would send.
Company Response: Closed with explanation

Disputed: No Timely Response

2016-07-22

Matoaca, VA

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

2016-07-22

Arco, CA

Disclosure verification of debt

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

Right to dispute notice not received
Complaint: I had a business account with XXXX XXXX XXXX XXXX. Asked XXXX XXXX XXXX to close the account and send me invoice for balance because I transferred to XXXX XXXX. XXXX XXXX XXXX never sent me an invoice. They sent it to collection without sending me an invoice or notice. The collection agency the balance was sent to is called " Diversified Consultants ''. Diversified Consultants never sent me an invoice or notice stating my account was in collections. Diversified Consultants reported the collection to the credit bureaus. I was never given a chance to pay the balance. I have never had any issues with making payments as my track history can show. Very difficult to get the collection agency to understand.
Company Response: Closed with explanation

Disputed: No Timely Response

2016-07-21

Soquel, CA

Cont'd attempts collect debt not owed

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

Debt is not mine
Complaint: i HAVE NOT HAD XXXX SINCE 2007 AS FAR AS I REMEMBER, I HAVE CONTACTED DIVERSIFIED CONSULTANTS TO ADVISE AND THEY HAVE HAD THIS IN DISPUTE FOR 90 DAYS NOW AND REFUSE TO REMOVE IT FROM MY CREDIT REPORT OR SEND ME PROOF THAT THIS IS MY DEBT.
Company Response: Closed with explanation

Disputed: No Timely Response

2016-07-20

Cheyenne Wells, CO

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

2016-07-19

WI

Disclosure verification of debt

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

Not given enough info to verify debt
Complaint: XXXX could not provide service in zip code XXXX and told me to change carrier .They gave me settlement figures to pay off phone and close account. I moved to XXXX .Then later after some time XXXX charged another {$130.00} and put collection s on my credit report .They can not explain charge .They do n't care and lack honesty .They are too big and important to sort out small problems.They are just greedy for money
Company Response: Closed with explanation

Disputed: No Timely Response

2016-07-19

NY

Disclosure verification of debt

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

Right to dispute notice not received
Complaint: This matter concerns " XXXX XXXX '' and " Diversified Consultants, Inc. '' XX/XX/XXXX, I terminated my cellphone contract with XXXX XXXX XXXX and switched over to XXXX. I carried out the process at a local XXXX store, under the guidance of an inept XXXX representative who did not complete the " contract buy out '' process correctly, and misrepresented that any remaining balance would be taken care of, as well. This resulted in my owing substantial fee 's relating unsatisfied cellphone financing. The problem is that XXXX XXXX XXXX never reached out to me during the last ten months to inform me that I owed them money. They did not use any medium, whatsoever - neither telephone, text message, email, nor physical mail. Nothing. By chance, I decided to check my credit report because I am in the process of seeking a new apartment. Suddenly, there was a derogatory mark showing {$850.00} in collections, posted by Diversified Consultants, Inc., originating from XXXX XXXX XXXX. I called XXXX XXXX XXXX to find out about the source of this debt, as I was totally clueless. XXXX XXXX XXXX informed me that it related to the phone financing balance when I terminated my relationship. They also informed me that the account was transferred to Diversified in XXXX XXXX. I was receiving calls from a mysterious number, but whenever I answered the phone and said " hello '' multiple times - at least 6 or 7 times - no one was on the other end of the line. Therefore, I assumed that it was either a scam caller, a sales call, some sort of political canvasser, or maybe an ex-boyfriend. I honestly had no reason to know that I owed money to anyone, and due to this company 's bizarre delay in coming onto the line, I was still unable to recognize that I owed AT & T anything. I corresponded with the XXXX Contract Buy Out Department and they agreed to send me XXXX cards to pay the financing charges, despite the lapse in time. The headache is that Diversified told me that they will only mark the account as satisfied and will not remove the notation. XXXX XXXX XXXX also has a laissez-faire attitude about screwing up my credit. I previously had a XXXX credit score, and because of the incompetence of these totally irresponsible and unprofessional institutions, I have to bear the brunt. This is absolutely disgusting. I work so hard at being a financially responsible millennial, and the odds are, apparently, stacked against me. I can do everything right, pay everyone on time, pay them more than the minimum, and a big institution can just randomly take a dump on my reputation. Now when I apply to apartments, my candidacy will be compromised by the negligence of others. I have no problem with being held accountable for my own choices, but it is so appalling that I should be penalized over the mistake and oversight of others. In conclusion, I would like to know if there is anyway that I can have this notation EXPUNGED from my report after I receive my XXXX cards ( in 15 days ) and satisfy the balance. Thank you.
Company Response: Closed with explanation

Disputed: Yes Timely Response

2016-07-18

Friendly Valley, CA

False statements or representation

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

Indicated committed crime not paying
Company Response: Closed with explanation

Disputed: Yes Timely Response

2016-07-18

OH

Cont'd attempts collect debt not owed

Debt collection: I do not know

Debt is not mine
Complaint: A company called Diversified Consultants keeps calling me. Not leaving a message. They are a collection agency of some sort. My phone # is XXXX. I already have a complaint filed case # XXXX
Company Response: Closed with explanation

Disputed: No Timely Response

2016-07-16

OR

Managing the loan or lease

Consumer Loan: Installment loan

Company Response: Closed with explanation

Disputed: No Timely Response

2016-07-15

Discovery Bay, CA

Communication tactics

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

Frequent or repeated calls
Complaint: Did not read mini Miranda and hung up on me and keep calling twice a day after I answer the call every morning they call
Company Response: Closed with explanation

Disputed: No Timely Response

2016-07-14

Jupiter, FL

Cont'd attempts collect debt not owed

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

Debt was paid
Complaint: I had a billing dispute with XXXX that they refused to correct so out of frustration I paid the bill of {$1500.00}. XXXX subsequently turned this item to a collection agency despite it being paid. I have called XXXX repeatedly and Diversified Consultants, a collection Agency. I even supplied proof of payment i.e. cancelled check and they still reported this item as past due to XXXX. Subsequently I contacted XXXX and they continue to be unresponsive yet my credit rating has been seriously impacted.
Company Response: Closed with explanation

Disputed: No Timely Response

2016-07-14

DC

Cont'd attempts collect debt not owed

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

Debt is not mine
Complaint: We have received repeated calls from Diversified Consultants attempting to collect debt on behalf of XXXX XXXX XXXX. We have never been a customer of XXXX XXXX XXXX ( they do not provide service in the XXXX area ) and I have confirmed with XXXX XXXX XXXX that we have never had an account. The callers attempt to obtain personal information from my family even though I have explained to them that we have no business relationship with either Diversified Consultants or XXXX XXXX XXXX. After searching Diversified Consultants name online, it appears that this harassing behavior is common practice for them.
Company Response: Closed with explanation

Disputed: No Timely Response

2016-07-14

CA

Disclosure verification of debt

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

Right to dispute notice not received
Complaint: I was notified by XXXX that I had a collection from Diversified Consultants for XXXX for XXXX XXXX XXXX on XXXX XXXX. I contacted the company of Diversified, because XXXX provided their number. On a recorded call, I asked for them to send the letter of debt because I am disputing something I paid years ago. The Supervisor stated they did attempt to call me. I advised I did not receive a letter nor a call. I verified my address with them. She stated she would not send the letter if I was not going to pay the debt. Again, that was a recorded call on XXXX XXXX. I also phoned them on XX/XX/XXXX because they were listed under another name for same account on XXXX. On XXXX XXXX, I called XXXX with the information that was still on my credit report and them refusing to send the information. XXXX rep then stayed on the line as she called diversified for an attempt to gather the information not sent to me. Attached is the copy of the letter sent to arriving XXXX XXXX dated XXXX XXXX when XXXX asked them to send it to me. This should never have been on my credit reports. I asked for the documentation and they refused to send it. It is recorded as such. The payment, which is actually incorrect on the balance. First it stated XXXX then it was really XXXX and it was over XXXX when first billed. I split that payment in XXXX.
Company Response: Closed with explanation

Disputed: No Timely Response

2016-07-14

Discovery Bay, CA

Communication tactics

Debt collection: I do not know

Frequent or repeated calls
Complaint: They call day and night and when we answer they hang up.
Company Response: Closed with explanation

Disputed: Yes Timely Response

2016-07-13

Corralitos, 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

2016-07-13

Miami, FL

Taking/threatening an illegal action

Debt collection: I do not know

Threatened arrest/jail if do not pay
Company Response: Closed with explanation

Disputed: No Timely Response

2016-07-13

Burlingame, CA

Disclosure verification of debt

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

Right to dispute notice not received
Complaint: The collection agency, Diversified Consultants Inc., repeatedly called me regarding a {$66.00} bill from a canceled XXXX account associated with a commercial XXXX Oregon address. I was extremely surprised as I never lived in XXXX Oregon my entire life ( the address with that account was a hotel address, not even a residence ), and had always paid my XXXX bill on time electronically -- I have never received any sort of bill related to the {$66.00}. I contacted XXXX and told XXXX that the address was not mine, and asked XXXX to provide me with the bill for the {$66.00}. XXXX said it could not provide me the bill, and asked me to contact the Diversified Consultants directly. Diversified Consultants repeatedly threatened me that the account was mine because it was opened under my SSN, even though I explained to them repeatedly I had been a victim of credit thefts multiple times!!! I told Diversified Consultants that the XXXX Oregon address was incorrect and fraudulent, and I had never seen or received any bill related to this amount of {$66.00} ( I opted for electronic payment with XXXX and had always paid on time ). Since the {$66.00} collection item and the fraudulent XXXX Oregon address were reported to the credit bureaus were hurting my credit scores for a home loan application, I was in a tight timeline to have the collection item and the fraudulent address removed. I asked Diversified Consultants for the bill, and they could not provide it. Instead, they tricked me into paying by promising that they would inform the credit bureaus that I 'm not liable if I agreed to pay for it. I was in a time crunch as I needed the collection item and fraudulent address removed as soon as possible for my mortgage application to go through, so I reluctantly agreed to pay the amount under the false belief that Diversified Consultants would remove both the collection item and the address with the credit bureau. Boy I was wrong!!! After I paid, Diversified Consultants immediately changed stance and told me that by paying I admitted to them that I lived at that XXXX Oregon address and owed the amount, and they refused to remove the collection item and said they would NEVER EVER do that. I immediately contacted the credit bureaus regarding my dealings with Diversified Consultants, reported identity theft, and informed them of Diversified Consultants ' dirty dealings. Although XXXX and XXXX immediately investigated my dispute with Diversified Consultants and verified my fraud claim and removed BOTH the collection item and the fraudulent address, XXXX insisted that Diversified Consultant refused to do anything about it so XXXX could not do anything about the items to be removed. I called Diversified Consultants and they told me that they would NEVER remove the item as it was opened under my SSN and I paid for it. I asked for a bill and they were never able to produce it, basically just repeated the same garbage that it was my SSN and therefore it was mine. Diversified Consultants used deceptive collection tactics to trick unsophisticated consumers into believing they could remove negative items on credit report and then immediately changing position once they got the money. They repeatedly refused to provide me with the bill, help verify the address was fraudulent, or remove fraudulent items from my credit report. They are crooked liars and manipulators!!! They used nasty tactics of making false representations to trick consumers into paying without any written agreement and failed to inform them the right to dispute debt in order to receive their petty payment of {$66.00}, and later refused to correct the misinformation sent to credit bureaus once they received their money. Diversified Consultants Inc. victimized consumers and made innocent people suffer for their greedy, unlawful, and deceptive tactics!!!
Company Response: Closed with explanation

Disputed: No Timely Response

2016-07-13

PA

Disclosure verification of debt

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

Right to dispute notice not received
Complaint: Debt collector never sent me a letter saying my bill was with them. I found out after calling XXXX to make a payment ... I had no written notice from anyone, and they never gave me the option to dispute it. Had I known, I would have disputed it. When i contacted them to resolve the debt, i then found out that they would charge me an additional fee on top of every payment I made. So I went back to XXXX and asked to pay them instead and made payments over the past year until the debt was paid in full. But in the meantime the debt collector, diversified collections inc, submitted the information to my credit report. All because I chose to pay XXXX to avoid extra fees. XXXX said because there was an error in reporting that they would get the account returned to them and ask to have it deleted from the report. But diversified wo n't comply. They said they will only update it, even though they no longer have the account and that it 's still active. Because of their unfair practices they have tarnished my credit. Now my chances to buy my house when my lease is up in XXXX 2017 will be slim.
Company Response: Closed with explanation

Disputed: No Timely Response