Diversified Consultants, Inc

2015-10-30

Las Vegas, NV

Disclosure verification of debt

Debt collection: I do not know

Right to dispute notice not received
Complaint: Diversified has re-age an old account on my credit reports. This is really affect my credit. This show be againist the law and government should n't let this happen to affect us citizens
Company Response: Closed with explanation

Disputed: Yes Timely Response

2015-10-29

Milwaukee, WI

Cont'd attempts collect debt not owed

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

Debt was paid
Complaint: Signed up with tmobile, had a phone and a tablet with data. My tablet kept breaking under manufacturers warranty. I called the manufacturer to send it in for a warranty repair ( which would have been free ( - {$7.00} shipping ). Unfortunately since my tablet had LTE, they told me I have to go through where I activated it to have it replaced. I went to XXXX and they created a service order to get me another sent out. They charged me {$20.00} for shipping and tried to tell me if I had a protection plan it would have been free. I 'm not happy about the {$20.00} shipping vs the {$7.00}. Anyway, I get my tablet and it has the same issue as the first. I go into XXXX, and I 'm hit with another {$20.00} shipping charge ( mind you it 's still under mfg warranty ). I reluctantly paid them again and waited for my new tablet. When it came in the mail, it was cracked in top right corner and bottom right corner. I go to XXXX store and yet again they tell me {$20.00}. I did n't warranty it again that time because thatwould have been {$60.00} to get a warrantied tablet working. Anyway, I decided I was done with XXXX. I called them up to cancel my services and to lay my final bill. The first person that picked up the phone was very unhelpfull, I told him I wanted to cancel my lines, yet he was very persistant to try to keep me as a customer. I refused, and that should have been the end of it. A few months later I realized that he did n't cancel my account and I have been getting billed for tablet data. I call back and the second person that helped me was very helpful, she closed my account fully and she looked over my account, and she told me my final balance. I paid for it over the phone and she told me that everything is payed for and to ignore the next bill in the mail, as todays payment would not show up. Bill shows up and gets ignored like she told me. The bill kept showing up for the same acct. They called me about it. I told them to check their records, everything was payed for. They sent me to collections, so I filed a XXXX complaint. An agent from XXXX called me to inquire on the complaint made by me, I expected him to have my information and history ready. He calls, he tells me I owe {$110.00} for my tablet, I asked him to go through my notes and records on the account, but he told me he did n't have any of that ready, and insisted I pay them. He did no research into my account, and talked down to me. He was n't willing to go through my acct history, and told me to just pay them. Now I get annoying collection calls all day from a XXXX.
Company Response: Closed with explanation

Disputed: No Timely Response

2015-10-29

Bakersfield, CA

Cont'd attempts collect debt not owed

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

Debt is not mine
Complaint: I keep getting hounded by a local debt agency that ask for sensitive information such as my social security, and credit card information to pay the debt on the phone.
Company Response: Closed with explanation

Disputed: No Timely Response

2015-10-28

Ropesville, TX

False statements or representation

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

Indicated committed crime not paying
Company Response: Closed with explanation

Disputed: No Timely Response

2015-10-28

Auburn, NY

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

2015-10-28

Auburn, AL

Disclosure verification of debt

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

Right to dispute notice not received
Complaint: I was called by Diversified Consultants Inc. on XXXX/XXXX/2015 and the caller received my personal address and ss # without knowing whom he was speaking to. The caller was XXXX XXXX and his manager said he was allowed to do that. Her name is XXXX XXXX. They refused to give me the companies phone number to call them back.
Company Response: Closed with explanation

Disputed: No Timely Response

2015-10-21

Villas Del Sol, PR

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

2015-10-21

Gainesville, 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

2015-10-21

Strasburg, VA

Cont'd attempts collect debt not owed

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

Debt is not mine
Complaint: Hello : I am writing this letter because there is a big mistake on my credit report. I am specifically asking for a legal debt validation made pursuant to 15 USC 1692g Sec. 809 ( b ) of the FDCPA for the following account : DIVERSIFIED CONSULTANT {$1500.00} Collections ( XXXX ) The collection company has failed to legally verify and validate this debt despite my many attempts to contact them. The FCRA requires you to verify the validity of the item within 30 days. If the validity can not be verified, you are obligated by law to remove the item and prevent them from re-inserting this item. There is a clear case of unverified debt here, and I urge you to remove this item before I am forced to take legal action. In the event that you can not verify the item pursuant to the FCRA, and you continue to list the disputed item on my credit report I will find it necessary to sue you for actual damages and declaratory relief under the FCRA. According to this regulation, I may sue you in any qualified state or federal court, including small claims court in my area. While I prefer not to litigate, I will use the courts as needed to enforce my rights under the FCRA. I look forward to a speedy resolution of this matter. XXXX XXXXSSN : XXXXDOB : XXXX
Company Response: Closed with explanation

Disputed: Yes Timely Response

2015-10-21

Moreno Valley, CA

Improper contact or sharing of info

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

Contacted me after I asked not to
Complaint: These people CALL MY CELL Phone and CALL my HOME number. They leave messages on my Cell phone to contact them. Last week on XXXX/XXXX/2015 i returned a call. The agent there said that my number should have been removed. IT WAS NOT i received another call today XXXX/XXXX/2015 at HOME and on my CELL phone again. The issue is that they are trying to reach my SON. WE have the SAME name Except i am XXXX. he is XXXX. the debt is HIS not MINE. That is what i told them yet they still call MY NUMBER.
Company Response: Closed with explanation

Disputed: Yes Timely Response

2015-10-20

Reno, TX

Improper contact or sharing of info

Debt collection: I do not know

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

Disputed: No Timely Response

2015-10-20

Buffalo, 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

2015-10-20

Jacksonville, FL

Cont'd attempts collect debt not owed

Debt collection: I do not know

Debt is not mine
Complaint: This complaint is against Diversified Consultants. I am not sure why this is reporting on my credit as I 've never had an account with Diversified Consultants as the notes under the account indicate. According to my credit file, the account number starts with XXXX. I have never had a contract with this company for services rendered. At this time, they are saying I owe them almost {$790.00} and yet, I have no idea for what. I have challenged this with the company and XXXX on numerous occasions in the past and as of this date, it is still reporting on my credit. This negative item is hindering my ability to move forward to buy my family a new home. There is no reason for this account to be on my credit when it does not belong to me and it has already been proven to not belong to me. By reporting someone else 's account on my credit, my rights as a consumer are being violated and this is why I am bringing my complaint to the Consumer Financial Protection Bureau.
Company Response: Closed with explanation

Disputed: No Timely Response

2015-10-19

Detroit, 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

2015-10-19

TX

Improper contact or sharing of info

Debt collection: I do not know

Talked to a third party about my debt
Complaint: These people are calling and harassing my XXXX daughter while she is at school.
Company Response: Closed with explanation

Disputed: No Timely Response

2015-10-18

Lowell, AR

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

2015-10-16

Orion Twp, MI

Communication tactics

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

Frequent or repeated calls
Company Response: Closed with explanation

Disputed: No Timely Response

2015-10-15

Detroit, MI

Cont'd attempts collect debt not owed

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

Debt was paid
Complaint: On XXXX XXXX, 2015 I had cancelled service with XXXX. I then received a bill dated XXXX/XXXX/2015 for {$110.00} to be paid by XXXX/XXXX/2015. On XXXX/XXXX/2015 I was contacted by Diversified Consultants a collection agency representing XXXX saying I owed them in regards to XXXX the amount of {$110.00}. Upon contacting XXXX I was told that my bill is still due with them on XXXX/XXXX/2015 and should not have been sent to collections of any type until at least 30 days after the due date. However, they could not confirm that it would be taken away from the collection agency. The bill was paid to XXXX on XXXX/XXXX/2015 in full. Diversified Consultant 's also told me that I could not XXXX and they would not speak to me regarding this matter. Diversified Consultants also said that they " are XXXX '' as in they are the legal entity of XXXX and that calling XXXX direct they would not take my payment. I believe this is a False representation by Diversified Consultants. I do not believe that XXXX or Diversified are within their right to send a not-yet-due bill to a collections agency. On XXXX XXXX I received a letter by XXXX mail stating that my bill had been paid in full to Diversified Consultants. However, no money was exchanged between myself or Diversified Consultants. My money was given to XXXX prior to the bill being due.
Company Response: Closed with explanation

Disputed: No Timely Response

2015-10-15

Memphis, TN

False statements or representation

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

Attempted to collect wrong amount
Complaint: In 2012, I was on contract with XXXX for XXXX cell phones and a data plan. I was in the middle of being kicked out of home, and having found a new place to live I was understandably low in the bank. I had paid my bill on time and in full for several months, so I contacted XXXX to discuss delaying payment ( and late fees ) until a later time in the month to give me time to accumulate the funds. I was told that this would be acceptable and could pay at a later date. When I prepared to pay my bill, I was surprised by not only one late fee, but several other undefined fees that added up to more than twice my normal bill. I was unable to pay ; however, I needed to move to another provider as to continue service for myself, my brother, and my business partner. I was unable to settle the debt in full ; however, I had attempted to contact XXXX to negotiate a payment plan which was denied in full. I have since been unable to pay this debt in full and would like to present this case for what it is and have the debt settled.
Company Response: Closed with explanation

Disputed: No Timely Response

2015-10-15

Charlotte, NC

Improper contact or sharing of info

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

Talked to a third party about my debt
Complaint: Individual from this company has contacted someone I know looking for me and has called their phone number multiple times a day for several weeks. In doing so, said individual from this company has shared my information without my permission and they also provided information regarding said debt to this third party.
Company Response: Closed with explanation

Disputed: No Timely Response

2015-10-14

Detroit, MI

False statements or representation

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

Attempted to collect wrong amount
Company Response: Closed with explanation

Disputed: No Timely Response

2015-10-14

VA

False statements or representation

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

Attempted to collect wrong amount
Complaint: To my knowledge the company I talked to about paying my balance in installments of {$50.00} was XXXX, not XXXX. Now diversified consultants ( on the behalf of XXXX XXXX tried to access my account for {$50.00}. I was told they would only access it once if not successful I would have to call to set up another payment. Instead they kept charging my account first the {$50.00} then {$10.00} overdraft fee, pushing my account to a negative $ XXXX. I was in between jobs waiting for my first check and it took a dent out of it before I even got it. I tried calling they put me on hold and never came back. A XXXX time they sent me to a voicemail and never called back. I even sent a message and I still have n't gotten a response. I do n't even remember giving them my account number I thought it was XXXX I do n't know I could be mistaken. Either way I ca n't even get in contact with them to be provided proof or documentation, of anything. I now have to change my account number, because they just keep going in my account.
Company Response: Closed with explanation

Disputed: No Timely Response

2015-10-14

Blackbird, DE

Communication tactics

Debt collection: I do not know

Frequent or repeated calls
Complaint: I have received numerous calls from this number via automated dialer when you call back it states please hold, then a message comes up that there is no one available. When you do pick up the call they hang up. I have called the company to advise them if they do call they will fined by law {$500.00} per phone call which is applicable. I have received multiple calls per day from this number. Which I have records of. Spoke to manager who said they will stop contact but he did not ask for a number to be removed.
Company Response: Closed with explanation

Disputed: No Timely Response

2015-10-13

Dawsonville, 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

2015-10-12

Staten Island, NY

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