Diversified Consultants, Inc

2015-10-12

Nyc, NY

Cont'd attempts collect debt not owed

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

Debt is not mine
Complaint: I applied for a phone and phone plan in XXXX 2014 with XXXX. While waiting for them to ship me my phone, I found I better service with another provider and signed up with them. When I received my phone, I did not open the package and did not activate the plan. I promptly returned the phone and all contents of the package to a XXXX storefront where they took the phone. I did not use their services at all. I received a phone bill from XXXX for that month, charging me {$70.00}. I do not owe them {$70.00} because I never used their services.
Company Response: Closed with explanation

Disputed: No Timely Response

2015-10-11

Spencer, MA

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

2015-10-10

Aloma, FL

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

2015-10-09

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

2015-10-08

Detroit, 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

2015-10-08

Quartzsite, AZ

Communication tactics

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

Frequent or repeated calls
Complaint: Diversified Consultants starting calling on XXXX/XXXX/15 at XXXX and again at XXXX on the same day. These calls were unanswered. Then on XXXX/XXXX/15, they called at XXXX, in which I did speak with a representative, verified my identity and was advised of the debt from the original creditor. The call was disconnected because I was having a difficult time understanding the accent of the representative. They then continued to call me all week. More calls placed on XXXX/XXXX/15 at XXXX, XXXX/XXXX/15 at XXXX and again on XXXX/XXXX/15 at XXXX, in which I did not answer. My wife called them on XXXX/XXXX/15 at XXXX and advised them not to contact me again. It is my understanding that once a debt collector makes contact with you, they can not try to make contact again for 7 days. I also feel that the excessive number of call on my cell phone that I also use for business purposes is excessive and disruptive to my daily work.
Company Response: Closed with explanation

Disputed: No Timely Response

2015-10-07

Palos Park, IL

Cont'd attempts collect debt not owed

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

Debt was paid
Complaint: This collection company has placed a debt on my credit report as paid, but I handled the debt with the original creditor, nit this collections agency. They should not have an account listed on my credit and need to delete this account because it is lowering my credit score. I spoke to someone there and asked them to delete it, but he yelled at me and said that they would continue to list it as paid on my credit report, even though this agency had no dealings with me and the payment of this account. The original creditor has forgiven the debt and continued my alarm services.
Company Response: Closed with explanation

Disputed: Yes Timely Response

2015-10-07

Soquel, CA

Cont'd attempts collect debt not owed

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

Debt resulted from identity theft
Complaint: I have a credit card fraud few years ago, which is {$550.00} from my XXXX credit card, and the transaction was with XXXX XXXX. Finally the issue was resolved by the bank and XXXX, and the money was refunded. On XXXX 2015, I saw in my XXXX credit report, there is a collection from a third party collection company " XXXX '', with {$550.00} amount, stating XXXX. I worked with my bank and the collection agency and finally resolved after few weeks painful work. It was finally removed. On early XXXX 2015, I noticed the collection is back to my credit report again with a different collection agency " Diversified Consultant '', on my XXXX reports. It 's been ridiculous, and it 's extremely painful to work with XXXX XXXX and the collection agencies, since I was never a customer of this company, and each time I contact XXXX, customer rep always states I was not a customer, and they do n't have my info. And collection agency always ask me to get info from XXXX XXXX. It 's illegal to collect a debt that I do n't owe ( and resolved by bank and debt owner few years ago ), and repeatedly show up in my credit report with different collection agencies.
Company Response: Closed with explanation

Disputed: No Timely Response

2015-10-06

San Jacinto, CA

Cont'd attempts collect debt not owed

Debt collection: I do not know

Debt is not mine
Company Response: Closed with explanation

Disputed: Yes Timely Response

2015-10-04

South Florida, FL

Incorrect information on credit report

Credit reporting:

Account terms
Complaint: I paid my bill from XXXX and was advised by XXXX collection agencies that they have requested that it be removed from my credit report back in XXXX 2015 when I paid the balance and again on XXXX XXXX 2015 when I purchased my credit reports and noted that it will still on there. There is also a charge of XXXX that shows closed that should be off my credit because that should have been put through my health insurance.
Company Response: Closed with explanation

Disputed: No Timely Response

2015-10-03

Glenmont, OH

False statements or representation

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

Attempted to collect wrong amount
Complaint: This is n't a complaint about an ATTEMPT to collect the wrong amount, this is a complaint that it ACTUALLY happened. I settled with XXXX ( XXXX a debt of {$120.00} for {$100.00} and instead of withdrawing {$100.00} from my account they took the full {$120.00}. I promptly called them back about the problem and was told that there is nothing they can do until Monday XXXX XXXX. This happened on XXXX XXXX.
Company Response: Closed with explanation

Disputed: No Timely Response

2015-10-02

Douglasville, GA

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: Yes Timely Response

2015-10-02

San Diego, CA

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

2015-10-02

Bellaire, TX

False statements or representation

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

Attempted to collect wrong amount
Complaint: Our main complaint is over ( a ) how XXXX company handled a case for which we owed NO DEBT ; and ( b ) how Diversified Consultants Inc is constantly harassing us to pay a debt that we do not owe. We signed up for a phone contract, paid a deposit and within a few days we cancelled the contract over the telephone and the CSR advised me to not accept the phone upon delivery. The deposit was refunded to us as the CSR advised. Shortly after this, we received a bill of {$190.00} from XXXX. We called another CSR explained that it was a mistake and that we should disregard the bill. A month later, another inflated bill arrived and we called XXXX again. We were told the same story again by another CSR. We continued to receive at least another inflated bill. In late XXXX we called XXXX for the fifth time and yet another CSR and a project supervisor confirmed that the bill was sent in error and that we did not owe any monies. We received a confirmation email telling us that the handset was returned and that " a credit card refund for the returned device '' would take effect, and also that " the XXXX on the account '' had ended.Handset Order Reference : XXXX. Two weeks later we received a letter from a debt collector DCI informing us that we owed {$190.00}. Given that we have NEVER used this phone, nor accepted it, and that we cancelled the contract as advised by a XXXX CSR, we are being harassed for debt that we never ever owed. We have contacted both XXXX and DCI and were advised that our case was closed with XXXX XXXX and handed over to a debt collector. The fact that this even occurred after our numerous attempts to reach both XXXX and DCI is absolutely appalling. We are complaining against both XXXX and DCI for their false debt collection, poor handling of our case, and constant harassment and stress for something that we should never have had to face. We also have evidence of the credit refund from XXXX indicating that the contract was cancelled in time and never used. And we have an email confirmation from XXXX confirming that the handset has been returned. How is this even possible?
Company Response: Closed with explanation

Disputed: No Timely Response

2015-10-01

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

2015-10-01

CA

Cont'd attempts collect debt not owed

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

Debt was paid
Complaint: My wife and I were customers of XXXX XXXX. The account was originally under my name, XXXX XXXX. In XX/XX/XXXX, my wife was hired by a school district in North Carolina. She became eligible for a discount for XXXX XXXX. In XX/XX/XXXX, we switched the account to her name, XXXX XXXX. This caused a change in accounts with XXXX. XXXX then charged a termination fee, which was then reversed. However, in XXXX XXXX, I received a letter regarding an unpaid debt from Diversified Consultants , Inc. on behalf of XXXX. I contacted XXXX, and they confirmed that my account was in good standing, with a zero balance. I sent Diversified Consultants a letter to state this. I never heard back from the company. I now received a letter dated XXXX/XXXX/XXXX from Diversified Consultants, again trying to collect on this " debt. '' All the while, I and my wife remained customers of XXXX XXXX, and have no outstanding balance or owed monies. I am being harassed by Diversified Consultants , Inc .
Company Response: Closed with explanation

Disputed: No Timely Response

2015-10-01

La Tijera, 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

2015-10-01

Bellaire, TX

Cont'd attempts collect debt not owed

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

Debt was paid
Complaint: Diversified Consultants Inc. has been sending me harassing me w phone calls ( up to XXXX per day ) and letters ( XXXX or more per week ). They claim to be collecting money on a 4 year old XXXX account, but when I called XXXX they said the account closed and that I never owed a debt. I have disputed this with the XXXX credit reporting agencies and they removed the Diversified Consultants claim a month ago. But the company refuses to stop contacting me even though the debt does n't exist. I have requested proof of the debt and they have not provided it ( it does n't exist ) but they still keep contacting me. They refuse to talk to me unless I provide them with my SS # and address, I think this is a scam to steal my identity.
Company Response: Closed with explanation

Disputed: No Timely Response

2015-09-30

Roseville, CA

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

2015-09-29

Mount Holly, OH

Cont'd attempts collect debt not owed

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

Debt is not mine
Complaint: I am writing in regard to XXXX account XXXX XXXX XXXX at XXXX XXXX XXXX in XXXX XXXX, Ohio XXXX. I was a long time subscriber to XXXX for 9 1/2 years. At age XXXX, I subscribed at the lowest price point because my income is well below the poverty level ( just a little over {$12000.00} a year ). A XXXX telemarketer contacted me and thanked me for being a long time subscriber and told me that I was eligible for a free upgrade to High Definition service. The telemarketer used unfair and deceptive marketing practices by telling me that I would also receive 3 months of premium movie channels at no charge. XXXX failed to adequately disclose the true nature of the deal in a manner that I could understand, which resulted in much higher prices, unauthorized charges and a requirement that I maintain the new rate for 2 years. XXXX used high pressure predatory practices by targeting me as an elderly person, who XXXX gets confused over the details. All I understood is that I was being rewarded for being a good customer with free services. When I saw my next invoice, I saw that my subscription price more than doubled which I did not expect, and could not afford. When I called XXXX about the unauthorized charges, they would not allow me to go back my original plan and told me that I was stuck at the new rate for 2 years. I then told XXXX that I wanted to cancel all services and was told that I would be charged for a verbal 2 year contract. I cancelled my service and returned the required equipment. XXXX 's predatory, and deceptive practices was confusing to me at my age. XXXX has since issued collection actions through Diversified Consultants XXXX Agency reference # XXXX XXXX in the amount of {$470.00} which hit my credit rating. I am requesting that XXXX cancel all inaccurately perceived debts due as a result of their deceptive actions, cancel collection actions including repeated phone calls, and rescind the credit rating incident, in order to restore my credit rating to pre incident levels.
Company Response: Closed with explanation

Disputed: No Timely Response

2015-09-29

Foothill Ranch, CA

Cont'd attempts collect debt not owed

Debt collection: I do not know

Debt resulted from identity theft
Complaint: Diversified Consultant continues to try to collect a fraudulent debt that is n't mine and is a result from identity theft. They have not sent me any documents as requested as directed from the Federal Trade Commissions ID Theft. I have sent to them Certified Mail and they received it, a copy of my Identity Theft police report, letter, FTC Identity theft affidavit and explained to them how I learned I am a victim of identity theft. They are maliciously still attempting to collect and giving me great grief to myself and family. This debt is not mine. I did not receive any goods or services and Diversified Consultant is not acknowledging that I am a victim of identity theft and the debt is not mine. They are also reporting this fraudulent debt to the credit bureaus and when I dispute it they continue to verify it. If they would have researched, they would have found the debt is from identity theft. They are violating my FDCPA and FCRA rights.
Company Response: Closed with explanation

Disputed: No Timely Response

2015-09-29

Deer Park, NY

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

2015-09-28

Vaughn, MT

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

2015-09-27

Lewisville, TX

False statements or representation

Debt collection: I do not know

Impersonated an attorney or official
Complaint: Threatened to call my job abd tell them i was a criminal abd to have my XXXX check shut off if i did n't pay
Company Response: Closed with explanation

Disputed: No Timely Response

2015-09-26

Grover Beach, CA

Disclosure verification of debt

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

Right to dispute notice not received
Complaint: Diversified placed a XXXX bill on my credit reports with XXXX, XXXX and XXXX without first sending me a California XXXX FDCPA mandated dunning letter. California State law provides for written notice 30 days PRIOR to reporting to the previously mentioned credit reporting agencies. I have not had an opportunity to even see if the debt is valid. They never even sent me documentation. I disputed the item with the credit reporting agencies but they simply " verified ''. Diversified violated California State Law.
Company Response: Closed with explanation

Disputed: No Timely Response