Diversified Consultants, Inc

2016-04-28

Traver, CA

Customer service/Customer relations

Other financial service: Debt settlement

Company Response: Closed with explanation

Disputed: No Timely Response

2016-04-28

Bluff Estates, SC

Improper contact or sharing of info

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

Talked to a third party about my debt
Company Response: Closed with explanation

Disputed: No Timely Response

2016-04-28

Beaumont, TX

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

2016-04-28

Ashville, OH

Taking/threatening an illegal action

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

Threatened arrest/jail if do not pay
Complaint: This has been going on far too long. XXXX XXXX has been harassing me and hiring different third parties to collect from me. A bill was deleted from my credit report of {$260.00} through a third party they hired XXXX due to it not being mine and i have spoken with over XXXX reps directly through XXXX XXXX and all sources of management. They will try to force an amount on you without hearing anything you have to say and make up illegal type threats and force this account on me. I have told them several times stop contacting me and they still find other parties to call me about this. It is frustrating i have to provide every single third party with the same exact information i gave to get this cleared up the first time.
Company Response: Closed with explanation

Disputed: No Timely Response

2016-04-26

Torrance, CA

Cont'd attempts collect debt not owed

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

Debt resulted from identity theft
Company Response: Closed with explanation

Disputed: No Timely Response

2016-04-26

Oxford, GA

Disclosure verification of debt

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

Right to dispute notice not received
Complaint: XXXX reported my account to XXXX. I received the letter and disputed the balance XX/XX/XXXX. I was told by collection agency that they would forward information to XXXX and i should receive itemized bill of charges. Now, I just learned my account has been turned over to another collection agency called Diversified Consultants which was exactly a month later. I never received correspondence of the change in collection agencies. I was still under the assumption that my account was still with XXXX and i was waiting on follow up correspondence from them and XXXX. This new collection agency never sent me a letter that the account was turned over to them, never received any notification. Therefore, they violated my right to dispute the balance. Now, the balance they have is {$2400.00} and the balance with previous agency was {$940.00} which is a big difference.
Company Response: Closed with explanation

Disputed: No Timely Response

2016-04-25

Mill Creek, IN

Communication tactics

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

Frequent or repeated calls
Company Response: Closed with explanation

Disputed: No Timely Response

2016-04-23

Clinton Township, 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

2016-04-22

Bueche, LA

Cont'd attempts collect debt not owed

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

Debt is not mine
Complaint: I mailed a letter to Diversified Consultants on XX/XX/2016 requesting more information pertaining to an account on my credit report. I got no response. On XXXX XXXX, 2016 I mailed another letter certified requesting documentation and again and still to this day, I 've received nothing from them. I am unaware of this supposed debt they are reporting on my credit report and per FDCPA they are required to provide documentation in order to validate what it is they are reporting. They have ignored both of my request and they account needs to be removed.
Company Response: Closed with explanation

Disputed: No Timely Response

2016-04-21

Vicksburg, MI

Disclosure verification of debt

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

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

Disputed: No Timely Response

2016-04-21

Charlotte, NC

Cont'd attempts collect debt not owed

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

Debt was paid
Complaint: Less than minimum payments were being made to a closed account with XXXX. XX/XX/XXXX I sent a written letter in advance to XXXX explaining about a medical hardship ( husband XXXX XXXX ) and why the account was being closed ( could no longer afford it ). Before closing the account tried several times to reduce plan but could n't get a better deal. In closing plan I was charged termination fees for XXXX phones, XXXX tablets, and 2 months past due. I disputed it but it did n't get any attention. Fast forward to XXXX XXXX and I get a credit alert that Diversified Consultants reported on all XXXX credit bureaus that I owed them for XXXX. I never confirmed anything with this collection agency. If I did n't get the credit alert I would not have known it was there. XXXX has been taking my money before and after I closed the account and not once referred me to this collections agency. I contacted XXXX to speak with a rep but since the account was closed no one could help me. I went to XXXX to complain and I finally got a response. XXXX XXXX from head quarters contacted me and set up a plan for me to ( 1 ) return the products and ( 2 ) lower my bill. On our initial call I told her I did n't understand why they went to the collection company when I was making payments and sent them a hardship notice. She gave me the impression that once I cleared the debt ; in which I did, then she ( XXXX ) would send me something in writing paid in full and have the collection company to be removed. When I contacted her a week later ( have the email communication to confirm it ) to ask about my letter she was delayed in her response but before the account was paid she was quick to respond. She finally responded and said her collections department will get the letter to me in 7 - 10 days. then I responded again saying please be clear we both know this transaction was handled with the original creditor I 'm confused about this collection department. She responded back saying that Diversified will send me a letter stating paid. I informed her that I feel like she used me to get this payment to funnel the money to the collection agency without even stating this in our phone conversations nor our email communication. Now this collection agency has reported this on all three credit bureaus as if I paid them. That 's 7 years on my credit report. This is like a hustle and I feel swindled.
Company Response: Closed with explanation

Disputed: No Timely Response

2016-04-20

Sanford, 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

2016-04-20

Fort Myers, FL

Improper contact or sharing of info

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

Contacted employer after asked not to
Company Response: Closed with explanation

Disputed: No Timely Response

2016-04-19

Knoxville, TN

Communication tactics

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

Frequent or repeated calls
Company Response: Closed with explanation

Disputed: No Timely Response

2016-04-19

Ft Lauderdale, FL

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

2016-04-19

Lk Buena Vis, 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

2016-04-18

Lake Balboa, CA

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

2016-04-18

FL

Cont'd attempts collect debt not owed

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

Debt was paid
Complaint: They say that I had a contract with XXXX which I had taken care of my obligation. I keep telling them to send me a signed contract which there is none. I cancelled my service after over 12 years of service. They call me everday and several times a day.
Company Response: Closed with explanation

Disputed: No Timely Response

2016-04-17

Campbell, CA

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

2016-04-16

Sylvester, GA

Cont'd attempts collect debt not owed

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

Debt was paid
Complaint: I paid the debt with the original creditor, XXXX. I do not know why it was turned over to Diversified Consultants, because I did not do anything wrong. Diversified Consultants is continuing to report the bill as open and unpaid on my credit reports, though I have called them, directly, twice to resolve this matter. They refer me back to XXXX and deny ever speaking with me about this matter. XXXX refers me back to the collection agency, when I contact them. It should have never been turned over to Diversified Consultants, and neither party is attempting to work with me to resolve this issue. In the midst of this, my credit report is being negatively impacted.
Company Response: Closed with explanation

Disputed: No Timely Response

2016-04-14

TN

Communication tactics

Debt collection: I do not know

Frequent or repeated calls
Complaint: I am getting multiple calls a day from this number along with XXXX. No message ever left. Calls have been been received for the past three weeks. Called # 's back and receive a voicemail that I have reached " Diversified Consultants ''.
Company Response: Closed with explanation

Disputed: No Timely Response

2016-04-14

Bloomington, MN

Cont'd attempts collect debt not owed

Debt collection: I do not know

Debt resulted from identity theft
Complaint: I was a victim of identity theft and someone stole my checks
Company Response: Closed with explanation

Disputed: Yes Timely Response

2016-04-13

San Antonio, TX

Cont'd attempts collect debt not owed

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

Debt resulted from identity theft
Company Response: Closed with explanation

Disputed: No Timely Response

2016-04-12

Stilesville, IN

Cont'd attempts collect debt not owed

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

Debt is not mine
Complaint: For 4 years we have been sent to collection agencies for a bogus debt. This is either for XXXX or XXXX. I believe it is both, I had no contract with A XXXX XXXX XXXX at the time of dissolution and returned all equipment to XXXX when we moved in 2013. I have called, written letters to no avail. I owe neither of these debts.
Company Response: Closed with explanation

Disputed: No Timely Response

2016-04-09

San Jose, CA

Improper contact or sharing of info

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

Contacted me after I asked not to
Company Response: Closed with explanation

Disputed: No Timely Response