Diversified Consultants, Inc
Consumer Complaints
There are over 4793 complaints on file for Diversified Consultants, Inc. Dated between 2019-12-05 and 2013-07-11.
Complaints Page 16
2019-06-05
Pasadena, CA
Problem with a credit reporting company's investigation into an existing problem
Credit reporting, credit repair services, or other personal consumer reports: Credit reporting
Difficulty submitting a dispute or getting information about a dispute over the phone
Complaint: Earlier this year I got a copy of my credit report and saw that my report included a collection for XXXX XXXX XXXX for XXXX in the amount of {$4600.00} for an account that was opened on XX/XX/XXXX, i disputed the account and later was updated to show that it was opened on XX/XX/XXXX. I have never had an account nor applied with XXXX for any services. When i called XXXX XXXX to obtain information and dispute the collection, they asked me to verify my identity and provide them my information which i did do, they then repeated to me the information they had on file - the email address they had is not mine and i did not open the account nor did i authorize for any account to be opened in my name. I asked for information on the account, date time and location of where it was opened so that i could reach out to XXXX and investigate and was told they would send me the information to the address i provided at that time. I received a bill in the mail from them for this instead of a dispute or investigation. I was told that i needed to pay for a notary to notarize a statement and then go to the police department and open a police report for this. I have no information on the person that opened the account nor was i given any information to report besides what is on my credit file. i need this unauthorized account to be removed from my credit report and to be investigated. I also need information that i had requested previously for my records. I do not have any documentation or emails on this account and have been told i can't have it removed if i don't have paperwork- i wasn't even aware of it until i checked my credit this year. How do i dispute this invalid account?
Company Response: Closed with explanation
2019-06-04
MN
Attempts to collect debt not owed
Debt collection: Other debt
Debt is not yours
Complaint: I had XXXX trying to collect a phone service plan from me that I never opened. I told them I never signed a contract had never been in their store that this debt isnt mine. They turned it over to collections - I told them the same thing. They have now reported it on my credit report.
Company Response: Closed with explanation
2019-06-04
Key Biscayne, FL
Attempts to collect debt not owed
Debt collection: I do not know
Debt is not yours
Complaint: I never have a account with XXXX XXXX I call them I do t have a account but they want me to pay {$220.00}
Company Response: Closed with explanation
2019-06-04
Covington, KY
Written notification about debt
Debt collection: Other debt
Didn't receive enough information to verify debt
Company Response: Closed with explanation
2019-06-03
Communication tactics
Debt collection: Other debt
Called before 8am or after 9pm
Complaint: This is a complaint against XXXX XXXX and Diversified Consultants, INC ( DCI ).
DCI attempts to collect an invalid debt it purchased from XXXX in XX/XX/XXXX that relates to the XX/XX/XXXX renewal of a cell phone contract for XXXX phones between me and XXXX. It has violated, among other laws, the FDCPA and CFPA. In XX/XX/XXXX I suspended my service with XXXX for XXXX years after the XXXX directed me to move to XXXX, XXXX. XXXX suspended my account and then continued the suspension in XX/XX/XXXX when I informed them that my XXXX in XXXX had been extended for another XXXX years. Inexplicably, without providing notice or an opportunity to respond, XXXX subsequently reinstated my account, billed me more than {$900.00}, and then referred the account to Diversified Consultants , Inc. - a collection agency. This action is at odds with XXXX representations at the time of suspension that I could suspend my account without penalty if the XXXX assigned me to a XXXX XXXX outside the United States. On or about XXXX XX/XX/XXXX, I received an email from XXXX informing me that my 3 year account suspension was coming to an end and that I needed to either cancel or reinstate my service no later XXXX XX/XX/XXXX. On XXXX XXXX, my wife ( who is authorized to manage my account ) notified XXXX ( via its customer service online chat ) that my XXXX in XXXX had been extended by XXXX years requested to keep the suspension of my account in place for the duration of my tour ( until spring XX/XX/XXXX ). XXXX explained because XXXX years had elapsed, it would have to reactivate my account and then immediately place it into suspended status again. During this chat XXXX assured my wife that my account would be suspended again, that I could keep my existing number should I wish to reinstate service later, and that I would not incur any charges. The same day ( XXXX XX/XX/XXXX ) XXXX requested from my wife XXXX XXXX documentation. My wife emailed XXXX a formal request for continued suspension of the account supported by a memorandum from my command extending my original orders sending me to XXXX. My wife followed this email up with a phone call to XXXX in which the customer service representative confirmed receipt of documentation required to continue holding my account in a suspended status. On XXXX XX/XX/XXXX XXXXinexplicably sent me a notice stating that my account suspension had expired and that my service was being disconnected effective XXXX XX/XX/XXXX. A subsequent review of my XXXX credit report ( with XXXX ) revealed that XXXX had already reported my account delinquent in XX/XX/XXXX. On XXXX XX/XX/XXXX XXXX sent me a confusing statement showing a {$910.00} balance but stated that no money was due. On or about XXXX XXXX, my wife again contacted XXXX which confirmed that my account was still suspended, and no money was due. I heard nothing further until DCI called me on XXXX XX/XX/XXXX at XXXX XXXX. I did not answer this call due to the time of night and unrecognized phone number. On XXXX XXXX at XXXX XXXX DCI called me again. I returned this call and learned that XXXX had placed my account into collection. I immediately checked my credit report and learned that XXXX had filed derogatory information with XXXX, XXXX, and XXXX XXXX which has lowered my credit score from a near perfect XXXX slightly above XXXX which is enough to decrease the chances of banks lending me money at reasonable rates. This will cause me material harm as I plan to finance a car purchase this summer.
My attempts to resolve disputes directly with both XXXX and DCI have been unsuccessful due to being place on hold for unreasonable amounts of time and being shuffled back and forth between departments who claim that it is another department 's responsibility to resolve my dispute.
Company Response: Closed with explanation
2019-06-03
Wonder Lake, IL
Written notification about debt
Debt collection: Other debt
Didn't receive enough information to verify debt
Complaint: The collection company, DIVERSIFIED CONSULTANTS, is saying that I owe them an amount of {$870.00}. I have no knowledge of this account. I asked them to validate this amount and I have not been provided with evidence nor a detailed explanation stating the reason behind this amount. Ive disputed this amount directly to the collection company two times in 2018, once on XX/XX/XXXX and the second time on XX/XX/XXXX. According to the Fair Debt Collection Practices Act, Section 808 : A debt collector may not use unfair or unconscionable means to collect or attempt to collect any debt. The collection of any amount ( including any interest, fee, charge, or expense incidental to the principal obligation ) unless such amount is expressly authorized by the agreement creating the debt or permitted by law is a violation of this section. Any collection fees or interest that have been added by DIVERSIFIED CONSULTANTS is unlawful and they should not be reporting this amount to my credit this way.
Company Response: Closed with explanation
2019-06-03
Thibodaux, LA
Written notification about debt
Debt collection: I do not know
Didn't receive enough information to verify debt
Company Response: Closed with explanation
2019-06-03
Columbus, OH
Incorrect information on your report
Credit reporting, credit repair services, or other personal consumer reports: Credit reporting
Information belongs to someone else
Complaint: I have never done business with DIVERSIFIED CONSULTANT # XXXX {$1600.00} I have already disputed this account with another company XXXX XXXX that I guess sold this Unverified account to DIVERSIFIED CONSULTANT # XXXX. I will sued them if they do no remove this Fraudulent account and stop selling it to other collection agencies.I request that formally DIVERSIFIED CONSULTANT substantiate account data DIVERSIFIED CONSULTANT conferred to the major credit bureaus for me, XXXX XXXX XXXX, with respect to the unverified account # XXXX. Since errors may be contained within in that data, I hereby request that your company collect and forward the formal validation within a month of receipt of this request. In addition please supplement with materials which verify that the account was not utilized as a profit-loss tax deduction.
Company Response: Closed with explanation
2019-06-01
Key Biscayne, FL
Attempts to collect debt not owed
Debt collection: Other debt
Debt was result of identity theft
Complaint: Hello, XXXX keeps calling and has reported a negative account in my credit report. I have never applied for XXXX or have had any services with XXXX. They are trying to collect a debt of approximately {$2500.00} for something I am not aware of nor have had in my life. Upon hearing from this I tried to explain to them that I dont live at the address listed on their account nor have I ever had any services Ive tried filing a dispute with XXXX and have had no luck. This negative account is the only thing hurting my credit. While everything else in my account has always been paid on time and no issue with any balances. Please help me correct this issue
Company Response: Closed with explanation
2019-05-31
Newport Beach, CA
Incorrect information on your report
Credit reporting, credit repair services, or other personal consumer reports: Credit reporting
Account status incorrect
Company Response: Closed with explanation
2019-05-31
Pikeville, NC
Took or threatened to take negative or legal action
Debt collection: Other debt
Threatened or suggested your credit would be damaged
Complaint: Several people were called including myself we were threaten called names, harrassed repeatedly every day with calls from a private number indentfying there self as Diversified consultants they would call and threaten to take legal action and shared personal information concerning who they were calling about to the people who they placed a call to trying to contact a certain person in all they contacted about ( 4 ) different people daily we all were harrassed and threaten by diversified consultants daily we asked them to stop calling and they did not stop with the calling this issued bothered me so much becuase its one thing to harrass but to threaten me is crazy I would have been more cooperative had they would have not threaten me and my family
Company Response: Closed with explanation
2019-05-31
Cincinnati, OH
Written notification about debt
Debt collection: Other debt
Didn't receive enough information to verify debt
Company Response: Closed with explanation
2019-05-31
Orlando, FL
Communication tactics
Debt collection: I do not know
You told them to stop contacting you, but they keep trying
Company Response: Closed with explanation
2019-05-30
Cutler Bay, FL
Took or threatened to take negative or legal action
Debt collection: I do not know
Threatened or suggested your credit would be damaged
Company Response: Closed with explanation
2019-05-30
Lewis Center, OH
Attempts to collect debt not owed
Debt collection: Other debt
Debt was paid
Company Response: Closed with explanation
2019-05-30
Neotsu, OR
Attempts to collect debt not owed
Debt collection: Other debt
Debt was paid
Company Response: Closed with explanation
2019-05-29
Alt De Cana, PR
Attempts to collect debt not owed
Debt collection: Other debt
Debt is not yours
Company Response: Closed with explanation
2019-05-29
Naples, FL
Written notification about debt
Debt collection: Other debt
Didn't receive enough information to verify debt
Complaint: Diversified Consultants in XXXX, Florida put supposed debt of {$150.00} on my credit score without contacting me or attempting to give me any information on the supposed debt to XXXX XXXX. XXXX XXXX never sent bills or contacted me either.
Company Response: Closed with explanation
2019-05-29
KY
Attempts to collect debt not owed
Debt collection: Other debt
Debt was paid
Complaint: Well over a year ago I cancelled service with XXXX XXXX. I had a XXXX balance turned in all of my equipment and was told that I was paid in full and account was closed. Shortly after I started to receive letters for outstanding balance of equipment charges, so I called explained the situation and was told everything was taking care of. This continued to happen. They eventually turned me into a collection agency called diversified consultants who has since then hurt my credit. Diversified consultant agency was extremely rude, and employee 's at XXXX XXXX could not speak English very easy to see who XXXX up here. I would like it to be removed from my credit report. I am not the first to have this happen from XXXX XXXX, apparently this occurs quite often.
Company Response: Closed with explanation
2019-05-28
Keeneyville, IL
False statements or representation
Debt collection: Other debt
Attempted to collect wrong amount
Company Response: Closed with explanation
2019-05-28
Beaumont, TX
Incorrect information on your report
Credit reporting, credit repair services, or other personal consumer reports: Credit reporting
Information belongs to someone else
Company Response: Closed with explanation
2019-05-28
Los Angeles, CA
Written notification about debt
Debt collection: Other debt
Didn't receive enough information to verify debt
Company Response: Closed with explanation
2019-05-27
Columbus, OH
Written notification about debt
Debt collection: I do not know
Didn't receive enough information to verify debt
Company Response: Closed with explanation
2019-05-25
Bayway, NJ
Attempts to collect debt not owed
Debt collection: Other debt
Debt was paid
Complaint: On XX/XX/19 I received a credit alert stating that Diversified Consultants have placed an account for collection on my credit report. According to Diversified Consultants, the assignment date was XX/XX/19 however I have not received any communication/dunning notices in regards to this debt in order to verify the debt is accurate and mine. This account has been paid to the original creditor of XXXX and therefore Diversified Consultants have no authority to collect on this debt. After speaking with agent at Diversified ( who was very rude ) and letting her know that the account was paid she stated Diversified will not remove collection and only update it as paidwhich would be false since I have not paid one cent to Diversified so it would be false and inaccurate reporting on my credit file. XXXX has stated that Diversified has to remove the collection account since they terminated their collection authority.
Company Response: Closed with explanation
2019-05-24
Addicks, TX
Attempts to collect debt not owed
Debt collection: I do not know
Debt is not yours
Company Response: Closed with explanation