Diversified Consultants, Inc

2016-05-19

Brooklyn, 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

2016-05-18

Reynolds, IN

Cont'd attempts collect debt not owed

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

Debt was paid
Complaint: I paid Diversified Consultants for XXXX XXXX XXXX on XXXX XXXX, 2016. We settled for {$390.00}. I was told that they would send me a satisfaction letter within 48 hours via email and they would also mail out a letter that I would receive within 10 days.During this time they had reported to the credit bureaus that this account was paid in full and closed. I waited until XXXX XXXX, 2016 for the letters and I received NOTHING, so I called back and they told me I would receive it in 48 hours, again nothing. On XXXX XXXX, 2016 my XXXX report showed a open balance of {$720.00}. On XXXX XXXX, 2016 I called Diversified Consultants to have them explain to me why it had been reported open on my credit and to see why I had not received a letter. All they could tell me was that it was paid in full and closed and my letter had been mailed out that day and I would receive it within 10 days. I finally received it on XXXX XXXX, 2016. On XXXX XXXX, 2016 I received a letter from XXXX to pay a balance of {$320.00} that had been forwarded to them from XXXX XXXX XXXX. I contacted XXXX and told them I had already paid this account with Diversified. They told me to contact Diversified and have them update their records with XXXX XXXX XXXX so I did, the gentleman on the phone said that they had already updated the account with XXXX XXXX XXXX and there was nothing more that they could do, but he would transfer me to a supervisor. I left a message on the voicemail for the supervisor and received no call back. On XXXX XXXX, 2016 I faxed the letter from Diversifed to XXXX and on XXXX XXXX, 2016 I emailed them the satisfaction letter. They responded back to me via email stating that they could not close the account until they investigated it with XXXX XXXX XXXX. I called Diversified again on XXXX XXXX, 2016 and they told me that there was nothing they could do, but forward me to a supervisor. The supervisor did not take my call so I left a voicemail to have them call me back. After I hung up I called XXXX XXXX on XXXX XXXX, 2016 and they told me that Diversified had only reported a half payment to them instead of a settled in full agreement and that is why I was receiving letters from XXXX. They had me email over the satisfaction letter to their collections department so that they could investigate this matter and get it taken care of. I am still in the process of trying to get this all cleared up.
Company Response: Closed with explanation

Disputed: No Timely Response

2016-05-18

Grosse Ile, MI

Communication tactics

Debt collection: I do not know

Threatened to take legal action
Complaint: Company called saying that I owe them for an alleged XXXX bill. The woman on the phone threatened that this would go into collections and that they 'd garnish my checks. I do not know Diversified Consultants, I have never agreed to do business with them, and they are not mentioned on any contract I have signed with anyone. I demand that they cease communication and threats with me, and that they remove any traces of their company that are on any of my credit reports. I demand FULL VALIDATION of this alleged debt, including the original contract for the alleged debt signed by me with their company mentioned on contract showing that they have some interest to protect, proof of assignment or ownership and a full chain of assignment, full accounting of the alleged debt, and proof that it is inside the statute of limitations.
Company Response: Closed with explanation

Disputed: Yes Timely Response

2016-05-18

Bremen, GA

Cont'd attempts collect debt not owed

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

Debt resulted from identity theft
Complaint: Debt was from identity theft and not mine
Company Response: Closed with explanation

Disputed: No Timely Response

2016-05-16

Birmingham, AL

Cont'd attempts collect debt not owed

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

Debt is not mine
Complaint: Checked my credit report to find Diversified Consultants trying to collect on some old wireless phone bill. Consumer was never notified about this account ; just placed on my credit report willy nilly. I do not owe this company anything, and how is it that a debt collector can just place inaccurate information on credit reports.
Company Response: Closed with explanation

Disputed: Yes Timely Response

2016-05-14

Oxford, GA

Disclosure verification of debt

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

Not given enough info to verify debt
Complaint: I have not had XXXX XXXX for approximately five years. I have never had Dish call me or send me mail stating I owed them money, and I do not agree that I owe them anything. Suddenly after all these years Diversified consultants began calling me, however they refuse to give me information without me telling them my social security number when they are cold calling me.They have not sent me a single notification by mail though it has been more than a month since they first called me.
Company Response: Closed with explanation

Disputed: No Timely Response

2016-05-13

Memphis, TN

Cont'd attempts collect debt not owed

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

Debt resulted from identity theft
Complaint: i constantly asked diversified consultants to stop the reporting of the inaccurate information stating that i owe a balance, I am a victim of identity theft and they seem to not taking the proper procedures, but still reporting negative to all XXXX credit bureaus, i asked them in a certified letter for validation of the debt, but they continue to still is engaging in deceptive acts.
Company Response: Closed with explanation

Disputed: Yes Timely Response

2016-05-12

Phoenix, AZ

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

2016-05-11

Harsens Is, 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

2016-05-11

Sebring, FL

Cont'd attempts collect debt not owed

Debt collection: I do not know

Debt resulted from identity theft
Company Response: Closed with explanation

Disputed: No Timely Response

2016-05-11

Chestertown, MD

False statements or representation

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

Indicated committed crime not paying
Complaint: XXXX account was opened in my name for a residential line. XXXX XXXX XXXX is holding me liable and mentioned that this is a billing issue. After several calls back and forth I have not had a resolution and am still being held liable. This issue has started since XXXX of 2015.
Company Response: Closed with explanation

Disputed: No Timely Response

2016-05-10

Grover Beach, 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

2016-05-09

Horn Lake, MS

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

2016-05-08

Chula Vista, CA

False statements or representation

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

Attempted to collect wrong amount
Complaint: I left XXXX to join XXXX and the account stopped around XXXX XXXX. XXXX claims that I owe more than just one months payment. I left the country around a few days after my acccount was closed with tmobile. Now I have three different amounts of money that I owe the collection agency when XXXX never contacted me about the final bill. At the same time I had to wait for XXXX to handle the phone fees and that took much longer than anticipated. The amounts are : {$420.00} {$480.00} {$520.00}
Company Response: Closed with explanation

Disputed: No Timely Response

2016-05-07

Milwaukee, WI

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

2016-05-06

Willcox, AZ

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

2016-05-06

Lompoc, CA

False statements or representation

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

Attempted to collect wrong amount
Complaint: Telephone bill from XXXX sent to Diversified Consultants ( DCI ) for collection while I was disputing the amount owed. I was contacted by DCI and again, I notified them the amount owed was inaccurate. Eventually, we agreed on a settlement amount which was verified/confirmed via letter from DCI stating the terms of the agreement. Payment plan was arranged and agreed upon to settle the debt in 3 monthly payments. I was told if I agreed to automatic payments, no further action would be taken. therefore I agreed to ACH debits from my account. 1st payment was submitted at time of agreement, 2nd payment withdrawn from my account one month later ; however, 1 day prior to 2nd payment being withdrawn, DCI submitted this account as a collection on my credit report, which, in effect, caused financial harm by preventing me from closing on my home which was in escrow at time of occurrence.. I have spoken with XXXX different 'managers ' at DCI whom responded they will only update the entry to 'Account in Dispute ' which of course does n't change anything and is of no benefit in rectifying this situation..
Company Response: Closed with explanation

Disputed: No Timely Response

2016-05-05

Newnan, GA

Cont'd attempts collect debt not owed

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

Debt was paid
Complaint: I cancelled service with XXXX in XXXX 2015. I repeatedly attempted to dispute final billing changes to no avail. I am more than willing to pay the portion I actually owe. Since the account was closed I was no longer able to access my account information online. I sent numerous letters and called numerous times and was transferred from XXXX person to the next. Recently, my account was sent to a collection agency and reported on my credit file.
Company Response: Closed with explanation

Disputed: No Timely Response

2016-05-05

Newnan, GA

Cont'd attempts collect debt not owed

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

Debt is not mine
Complaint: Diversified Consultants , Inc have consistently harassed me to succumb to paying a debt that I do not owe nor have any responsibilities to. They persistently report on my credit profile an account which other credit collection agencies in the past deemed erroneous and a mistake and have appropriately deleted and corrected with the XXXX major credit bureaus in my favour. This aggressive collection account which has been placed on my credit profile is hindering and encumbering my ability to secure any measurable employment. Sincerely, XXXX XXXX
Company Response: Closed with explanation

Disputed: No Timely Response

2016-05-04

Walden, 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

2016-05-02

Virginia Bch, VA

Incorrect information on credit report

Credit reporting:

Account status
Company Response: Closed with explanation

Disputed: No Timely Response

2016-05-01

Columbia, SC

Disclosure verification of debt

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

Not given enough info to verify debt
Complaint: The collection agency did not provide me with an understandable explanation of the amount they claim is owed. They have placed the account on my credit report as disputed, but it still affected my credit score. No resolution has been met.
Company Response: Closed with explanation

Disputed: No Timely Response

2016-04-30

Philadelphia, PA

Disclosure verification of debt

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

Not given enough info to verify debt
Complaint: XX/XX/XXXX, I had a billing dispute with XXXX so I decided to change carriers, ( XXXX XXXX XXXX ). I communicated via email with a manager of some kind who appeared sympathetic. Nonetheless, my account went into collections. The collection agency that handled my account collected about {$330.00} from me. From this point on, I thought the debt was satisfied. 2 years later, XXXX or the collection agency " Diversified Consultants '' is still listed on my credit report as a collection item. I called the collection agency and was informed by a representative that most items take 45 days to be removed from a credit report. This obviously did n't happen. I requested proof of payment from the collector and they agreed to send documentation. I called XXXX 's Finance department who informed me that I still owed {$230.00}. So, for 2 years I was responsible for a debt I never knew existed. XXXX said contact the debt collector. The debt collector said the account was paid and closed. So, for the sake of peace I paid this unknown, due balance on XXXX/XXXX/XXXX and asked for physical proof of payment. The representative said that they only provided confirmation numbers. Considering the discrepancy in information received and the negative impact this has had on my credit report, I need physical documentation that both confirms the debt was satisfied and that the item has been removed from my credit report. Had I not did my due diligence, this " ghost debt '' would 've remained.
Company Response: Closed with explanation

Disputed: No Timely Response

2016-04-29

Lawrence, MA

Communication tactics

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

Frequent or repeated calls
Company Response: Closed with explanation

Disputed: No Timely Response

2016-04-29

Austin, TX

False statements or representation

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

Attempted to collect wrong amount
Complaint: Hi, I requested for a detailed statement of an amount that a debt collector is requesting for me to repay for a cell phone service I had for over 10 years. The debt collector/original collector sent me a bill with the full amount due with no description/breakdown of the amount owed. Can you please look into this issue. Original Creditor : XXXX Collector : Diversified Consultants , INC Account # XXXX Agency File # XXXX Balance Shown # {$590.00}
Company Response: Closed with explanation

Disputed: Yes Timely Response