Diversified Consultants, Inc

2016-06-27

Lyndora, PA

Communication tactics

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

Frequent or repeated calls
Complaint: This collector has been calling every single day multiple times for the past 10 months. I have printed out phone records and dates written down of each time they 've called and on multiple occasions I told them I did not have the funds. I tried blocking their phone numbers but they continuously call every single day with a different phone number at all times of the days and nights. It has not been one day in between that they have not called me in months trying to collect a debt. I finally broke down today and told them they are harassing me.
Company Response: Closed with explanation

Disputed: No Timely Response

2016-06-24

Jackson, GA

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

2016-06-24

Murray, UT

Cont'd attempts collect debt not owed

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

Debt is not mine
Complaint: This company has verified that the socials do not match and this account is not mine. It is my father who has the same name. They claim they are not reporting it to the bureaus but they are and it is affecting my financing.
Company Response: Closed with explanation

Disputed: No Timely Response

2016-06-24

San Diego, CA

Cont'd attempts collect debt not owed

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

Debt was paid
Complaint: Keep getting the letter threatening to spoil my credit. the only option offered is to pay or call for long hold times.
Company Response: Closed with explanation

Disputed: No Timely Response

2016-06-23

Margate, 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

2016-06-23

IL

Communication tactics

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

Called after sent written cease of comm
Complaint: Collector XXXX called for a debt- he did give the mini miranda. However, I did not get a letter giving me the opportunity to dispute the account. He said my account was placed with them on XXXX/XXXX/16 I said I spoke with the original creditor a few days ago and worked out an agreement. He still demanded payment. I asked him to consult the original creditor XXXX XXXX work and he refused stating it is my job to provide documentation of conversation. I told him contact them and get me the initial dunning letter and he said no- I stated I was in the process of filing a complaint then and he transferred me to a supervisor XXXX XXXX . He stated they actually got the account on the XXXX and the letter was today and it is XXXX in the morning which means there is no way it is in the mail at this time regardless of time zone.
Company Response: Closed with explanation

Disputed: No Timely Response

2016-06-22

La Vernia, TX

Cont'd attempts collect debt not owed

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

Debt is not mine
Complaint: XX/XX/2016, I Unsubscribed from XXXX XXXX XXXX and XXXX XXXX XXXX XXXX XXXX. Since then, Diversified Consultants has contacted me several times during which I explained that I had already unsubscribed prior to the last billing statement ; and the XXXX XXXX Representative told me I DID NOT OWE anything further when I returned their modem in XXXX XXXX, Texas. Since then, Diversified has attempted to call me many other times while USING XXXX XXXX as their phone ID. I 've spoken to at least 4 of their calls ; and have since blocked their calls ; but they continue to harass me. The number last used is ... XXXX.
Company Response: Closed with explanation

Disputed: No Timely Response

2016-06-21

Bronx, NY

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

2016-06-21

IN

Disclosure verification of debt

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

Not disclosed as an attempt to collect
Complaint: I never received any notification regarding a cable bill that I do n't remember not paying. I would like to get a copy of this bill showing the company name and address of service. I also would like to know the reason this bill was send to collection without my knowledge. This account just show up on my credit recently the last week he was never reported before, so I assume that it 's a mistake and I request this to be removed from my credit. I getting phone call from collection I never get before with treat and harassment from this company
Company Response: Closed with explanation

Disputed: No Timely Response

2016-06-21

Monroe, 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

2016-06-21

Oxford, GA

Cont'd attempts collect debt not owed

Debt collection: I do not know

Debt is not mine
Complaint: I have disputed the Diversified Consultants Account with XXXX and with Diversified Consultants. XXXX stated that Diversified Consultants verified that this account belongs to me. This is seemingly impossible since this account do not belong to me. Perhaps this account was placed on my credit file in error or it resulted from identity theft. In any case this is not my account. I need your assistance in getting this matter resolved.
Company Response: Closed with explanation

Disputed: No Timely Response

2016-06-20

Dunnellon, FL

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

2016-06-20

Jupiter, FL

Cont'd attempts collect debt not owed

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

Debt resulted from identity theft
Complaint: DIVERSIFIED CONSULTANT ACC # XXXX FAX # XXXX XXXX XXXX XXXX XXXX, XXXX, FL XXXX XXXX Dear Sir or Madam : 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 notify any company associate with this account and tell them the debt is the result of identity theft. I have enclosed a copy of the Federal Trade Commission 's 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 : 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 : Inform any company associate with this account DIVERSIFIED CONSULTANT ACC # XXXX 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. XXXX, XXXX SS # XXXX DOB XX/XX/XXXX XXXX XXXX XXXX XXXX, XXXX, FL XXXX
Company Response: Closed with explanation

Disputed: No Timely Response

2016-06-20

Atlanta, GA

Disclosure verification of debt

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

Not given enough info to verify debt
Complaint: I have requested Diversified Consultants, Inc. to provide me with proper verification of the allege debt they are claiming I owe them. I have not received proper verification and requested that if Diversified Consultants, Inc. could not provide me with verification to remove this negative trade-line from my credit history. Diversified Consultants, Inc. has failed to honor either of my request.
Company Response: Closed with explanation

Disputed: No Timely Response

2016-06-17

Brentwood, TN

Cont'd attempts collect debt not owed

Debt collection: I do not know

Debt is not mine
Complaint: I recently checked my credit and discovered that this company has reported that I owe them a debt. To my knowledge I have never received a notice from this company. I have never received goods nor services from this company and I have not signed a contract stating I would do so.
Company Response: Closed with explanation

Disputed: No Timely Response

2016-06-17

Lyndora, PA

Cont'd attempts collect debt not owed

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

Debt was paid
Complaint: I had a contract with XXXX. I left XXXX and owed them a balance of {$650.00}. They turned it over to XXXX for collections. I agreed to settle this debt for {$500.00} due on XXXX XXXX 2016 which I paid in full and even have a letter stating that. Now I am receiving calls and letter because XXXX turned in the remaining {$150.00} into another collection agency. XXXX also called me and harassed me and said I owed money. Like I said I have a letter stating the account was settled. I do n't appreciate the harassing calls and letters.
Company Response: Closed with explanation

Disputed: No Timely Response

2016-06-16

Arco, CA

Disclosure verification of debt

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

Right to dispute notice not received
Complaint: There was a collection placed on my credit report by a company called Diversified collections without notifying me of a potential debt. I did n't even get any letter in the mail and they admit it they do n't have any of my correct contact information. Also the orignal debt was for a XXXX service that was suppose to be canceled back in XXXX XXXX and XXXX kept billing me until XXXX XXXX after we had canceled the XXXX service due to our office building be closed down and being converted over to condos. All the tenants in the building were forced to move out XX/XX/XXXX and att tried to say we had service until XXXX XXXX and yet they have notes of us calling in to cancel the service and transfer it over to our new address. Diversified consultants broke the law by not notifying me of this debt or validating it at all. Please have them remove it. The XXXX dispute tracking number is XXXX
Company Response: Closed with explanation

Disputed: No Timely Response

2016-06-16

Baychester, 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

2016-06-15

Val Verde, TX

Improper contact or sharing of info

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

Talked to a third party about my debt
Complaint: I had no disclosure of the debt until I pulled up my credit report to find that I had an account in collections. Now my credit score has plummeted and I was never contacted regarding the debt previous to this.
Company Response: Closed with explanation

Disputed: No Timely Response

2016-06-15

Coconut Creek, FL

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

2016-06-15

Foothill Ranch, CA

Improper contact or sharing of info

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

Talked to a third party about my debt
Complaint: I paid what I was told was my final payment on a XXXX XXXX XXXX phone that I cancelled. Next thing I new I received a letter for collection. I called to ask whet this is about they told I still owed money on this XXXX phone. I told them this was a mistake and I hung up and called XXXX XXXX XXXX. XXXX would not discuss the bill because the bill was sent to collections. But, they did tell me that XXXX XXXX called and change my address to a North Dakota Address. I asked them who authorized the address change and they said she did. No XXXX XXXX on account. After a couple of months I received another letter from a different collection agency. I called them and explained what happened and they said to pay the bill and they will have the back office review and the collection could come off my credit within 60 days. so, I paid. XXXX collection still on my credit report and now the North Dakota address appears on my credit report. Thanks for you consideration
Company Response: Closed with explanation

Disputed: No Timely Response

2016-06-15

Houston, TX

Cont'd attempts collect debt not owed

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

Debt is not mine
Complaint: On XXXX I received a letter stating I owed Diversified consultants {$200.00} plus dollars for the same XXXX account that was with XXXX back in XXXX. ( see attached ). I sent a letter certified mailed to the following locations a XXXX XXXX and A physical address to XXXX XXXX. ( See Attached ). This company has refused to verify the debt owed according to the law. the reselling of an unverifiable debt. This collection agency has not verified this debt and they still continue to report to credit bureaus.My rights under consumer protection afforded by the FDCPA are continuously violated by this company. FDCPA Section 809 9b0 XXXX opinion letter XXXX from XXXX say this company would owe me {$1000.00} in damages.I 'm sure you are aware of the provisions in the Fair Debt Collection Practices Act ( FDCPA ). However, I would like to point out that your firm has violated provisions of the FDCPA by implying that the legal status of the debt is collectible by reporting the alleged debt to the credit bureaus. The exact statute : XXXX XXXX XXXX XXXX ] ( XXXX ) The false representation of -- XXXX the legal status of the alleged debt and XXXX any services rendered or compensation which may be lawfully received by any debt collector for the collection of a debt.
Company Response: Closed with explanation

Disputed: No Timely Response

2016-06-13

Tampa, FL

Disclosure verification of debt

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

Right to dispute notice not received
Complaint: I was checking my credit report and saw a notation that a debt collection agency had been added to my report. Diversified Consultants had submitted a report I owed a debt of {$34.00} to XXXX. I was never notified by XXXX or Diversified of this debt. I was never given the opportunity to pay or dispute the charge.
Company Response: Closed with explanation

Disputed: No Timely Response

2016-06-11

Spfld, MA

False statements or representation

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

Attempted to collect wrong amount
Company Response: Closed with explanation

Disputed: Yes Timely Response

2016-06-10

NY

Cont'd attempts collect debt not owed

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

Debt was paid
Complaint: I purchased a cell phone from XXXX XXXX In 2015. I believe the # was XXXX. At the time of the purchase the sales rep offered to switch the apps from my current phone to the new phone for me. I never even took the phone out of the box. Three days later I returned the unused phone. I was charged a bunch of fees for returning it but thought the transaction was finished. Approximately XXXX months later I received a bill for approximately {$88.00} I called and spoke to a supervisor after I told her it was the sales person who put the apps into the phone and I never actually used the phone I was told this charge was cancelled. This happened three separate times with XXXX different supervisors assuring me this was no longer owed. Now I have Diversified Consultants calling to collect this debt that I do n't owe. I 've tried to contact XXXX XXXX again and they said because it 's been turned over to a collection agency it 's out of their hands. I 'm registered on the do not call list and I 'm ready to call the news media. This just is n't right. Can you please advise? Thank you for any help you can offer. Regards, XXXX XXXX
Company Response: Closed with explanation

Disputed: No Timely Response