Diversified Consultants, Inc

2015-08-13

Evesboro, NJ

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

2015-08-13

Oxford, GA

False statements or representation

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

Attempted to collect wrong amount
Complaint: On or about XXXX XXXX, 2015, i received a bill purportedly from XXXX XXXX XXXX regarding an amount due by XXXX XXXX, 2015. On XXXX XXXX, 2015, I received a telephone call from Diversified Consultants, Inc., regarding the same amount. I was told that I was delinquent on the debt and that the caller represented a debt collection agency. I told the caller that I would have to check with AT & T before proceeding and ended the call. On XXXX XXXX, 2015, XXXX XXXX XXXX confirmed that I did not have any past due balance, that the account number listed on the purported bill is not an XXXX XXXX XXXX account number, and that the mailing address on the bill is not an XXXX XXXX XXXX mailing address. I called Diversified Consultants, Inc. on XXXX XXXX, 2015, to inform them that the debt in question was based on a fraudulent bill. I was told that the account had been closed earlier that day, and that I no longer owed any money. I believe that Diversified Consultants, Inc., alone or in collusion with one or more other persons or entities, is conspiring to commit fraud through the collection of debts that do not exist.
Company Response: Closed with explanation

Disputed: No Timely Response

2015-08-13

Carver, MA

Communication tactics

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

Frequent or repeated calls
Complaint: I received a short period service from XXXX XXXX in XX/XX/XXXX. I closed the contract and XXXX charged me a fee. XXXX tried to collect this ( {$190.00} ) and I did not pay it. For XXXX years this account has been sold to different Bill Collector Companies. Every XXXX years I have different company telling me that they trying to collect this money on behalf of XXXX. Now, the company that has this account is Diversified Consulting ( XXXX : XXXX ). I now is the obligation of creditor to collect debts. However, is there a statue of limitation for creditors to report this debt to Credit Bureau? Every time they sell it to another company, it shows as new debt. For example, I was told by the company that this debt is from the year XX/XX/XXXX. What should I do?
Company Response: Closed with explanation

Disputed: No Timely Response

2015-08-12

Aventura, 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

2015-08-12

Jacksonville, FL

Disclosure verification of debt

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

Not given enough info to verify debt
Complaint: This current account has been reported 45 times with different collection companies all of them have failed to validate the account in this company it 's written starting the account one more time and if it legal under the Federal Credit Reporting act.
Company Response: Closed with explanation

Disputed: No Timely Response

2015-08-11

Naples, FL

Cont'd attempts collect debt not owed

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

Debt is not mine
Complaint: I cancelled ALL of my wireless services with XXXX XXXX XXXX XX/XX/2014. I paid all of the early cancellation fines. XXXX XXXX XXXX, for some reason, left one of the accounts open. I called the following month after receiving another bill and they said they could not explain why and said I was responsible for the extra months payment. I refused and they refused to budge. They turned it over to collections. I DO NOT OWE THE MONEY. I refused to be bullied by them and will fight as a matter of principle.
Company Response: Closed with explanation

Disputed: No Timely Response

2015-08-10

Royal Palm Beach, 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

2015-08-10

San Antonio, TX

Cont'd attempts collect debt not owed

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

Debt was paid
Complaint: I had a debt with a phone service which I paid thru XXXX. So I checked my credit report and it says that I still owe for that phone bill but now it 's says from diversified agency. How can I take off this XXXX debt from diversified?
Company Response: Closed with explanation

Disputed: No Timely Response

2015-08-08

Sanders, KY

Communication tactics

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

Used obscene/profane/abusive language
Complaint: Diversified consultants rep called I did n't recognize the number. Caller ID stated number with no name. I thought it was spoofed, so I asked the rep why didnt name of company come across. Rep Would n't provide me all information I requested. When I asked them not to call me anymore, rep started yelling and arguing over the phone.
Company Response: Closed with explanation

Disputed: No Timely Response

2015-08-07

Chicago, IL

Cont'd attempts collect debt not owed

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

Debt was paid
Complaint: This is related to a previous complaint that we filed against XXXX XXXX ( XXXX ). This involves a XXXX bill for a cancelled contract of {$350.00}. Because the bill from XXXX was questionable ( i.e., the contract had 10 days left and they originally told us that we would not be penalized for breaking the contract but later billed us ), we believed we were in the process of working this out with XXXX. However, they turned the debt to a collection agency ( DCI Collections ), and we immediately paid DCI the full amount and have an email receipt ( from XX/XX/XXXX ). However, DCI contacted us about XXXX months later again seeking payment. Apparently, the account # was XXXX digit off when we paid so it was not recorded as paid. We sent them the email receipt, and, although we received no acknowledgement, we believed the matter was resolved. However, we later received the same bill from another collection agency. We sent the receipt via snail mail with an explanation, and requested a letter confirming that the debt was resolved. We received no such letter. On XX/XX/XXXX, we again received a debt collection letter from XXXX XXXX indicating the bill is not paid. We filed a complaint with the Consumer Financial Protection Bureau, and we attached the email receipt showing that we paid this account in XX/XX/XXXX, with our submission. After receiving notice from CFPB, XXXX XXXX dropped the account and apologized for the inconvenience they caused us, and they advised us to contact XXXX. We immediately contacted XXXX, and unfortunately have not had much luck with this. Our two attempts to discuss this with XXXX result in employees telling us they can not help us because the bill has been " passed on to other departments '', and they transfer us to other departments that are no more helpful. On XXXX, XXXX XXXX, we were told that we would receive a return call from the XXXX financial department in XXXX hours, but we received no such call. Finally, on XXXX XXXX, we called XXXX and demanded that they connect us with someone who could help us with this issue, and we were automatically connected to XXXX. The agent sent us an email and asked us to attach the receipt showing that we paid the bill, and he assured us that we would hear something in XXXX days. I emailed again on XXXX XXXX asking about the status of this issue, and I received no response. I called XXXX yet again on XX/XX/XXXX, and was directed to a supervisor ; the supervisor called XXXX while I was on hold, and I was told that they were looking into the matter and I should get a call from them in XXXX minutes. I never received a call. Yesterday, XXXX XXXX, I spoke again with XXXX and was informed that the real issue is that DCI Collections is continuing to deny that they received a payment from us, despite the fact that we have a proof-of-payment email from them. XXXX is going to try to contact XXXX Collections one more time about this matter, but we are simply just fed up with this - it should not have come to this when we have provided proof of payment. We believe that we are justified in filing this complaint and that there should be a record that this company collected from us yet did not report the account as paid. We believe that DCI should have to answer for the fact that they collected {$350.00} from us and yet never reported the payment to XXXX. What happened to these funds? We have attached the email receipt showing that we paid this bill as a word document with this submission.
Company Response: Closed with explanation

Disputed: No Timely Response

2015-08-07

Houston, TX

Cont'd attempts collect debt not owed

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

Debt was paid
Complaint: I 'm writing to you because this company reported me to a collection agency without my knowledge. Once I found out about the collection account I pay the collection account in full to diversified with the understanding that it will be removed because it never should have been there in the first place. So at this point on XXXX XXXX I reached out to XXXX XXXX XXXX on behalf of reporting me to diversified. So I reached out to XXXX and I spoke with a manager by the name of XXXX she told me she reached out to diversified and inform them that this account was no longer in on the right meaning no longer in collection, she also stated in XXXX days that it should be removed from my credit report once again. I reached out to diversify to figure out why would they still reporting on my credit report I spoke to a gentleman by the name of XXXX he ensured me in a couple days that it will be removed no longer my credit report. To my disbelief it still there. So then I reached out to XXXX again on XXXX XXXX and I spoke with a representative by the name of XXXX who worked under XXXX who took my account out of underwrite. She did n't reach out to diversified on XXXX way with me on that day trying to get to the bottom of the removal. So now today is XXXX XXXX I 'll reach out to diversify XXXX times after speaking to XXXX XXXX XXXX with him on the phone. Now at this point diversified is being very rude and I 'm over it.
Company Response: Closed with explanation

Disputed: No Timely Response

2015-08-06

Fort Macarthur, 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

2015-08-05

Clarksville, TN

Incorrect information on credit report

Credit reporting:

Account status
Company Response: Closed with explanation

Disputed: No Timely Response

2015-08-05

Hamilton Grange, NY

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: Yes Timely Response

2015-08-03

New Brunswick, NJ

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

2015-08-03

Auburn, WA

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

2015-08-03

Manchester, NH

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: Yes Timely Response

2015-08-03

Wallington, NJ

Cont'd attempts collect debt not owed

Debt collection: I do not know

Debt was discharged in bankruptcy
Complaint: Unvalidated debt reported to credit bureausAfter reviewing my credit report I saw DIVERSIFIED reported an alleged debt without ever making contact with me. They illegally reported unvalidated debt on my credit report. This is a violation of FCRA and FDCPA regulations. If this illegal entry is not removed from all three reports I will take legal action. I do not have an account number as I have had no contact with trident. I do know the balance of the alleged debt is listed on my report as {$40.00} with a date of XXXX 2015 as the date placed for collection. - XXXX
Company Response: Closed with explanation

Disputed: No Timely Response

2015-08-03

PA

Disclosure verification of debt

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

Right to dispute notice not received
Complaint: This regards account number XXXX on my credit report. When applying for a mortgage recently I was made aware of a collection attempt made by Diversified Consultants for a XXXX account. I was never sent any communications by Diversified in attempt to collect this invalid debt. I had previously opened a trial account with XXXX and a billing error resulted in it being sent to collections by XXXX and was later resolved. Now Diversified has put a collections amount on my credit report for this same invalid debt.
Company Response: Closed with explanation

Disputed: Yes Timely Response

2015-08-03

Bremen, GA

Cont'd attempts collect debt not owed

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

Debt is not mine
Complaint: Phone company is raising charges for this service, although it was disconnected
Company Response: Closed with explanation

Disputed: No Timely Response

2015-08-02

Birmingham, AL

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

2015-08-01

San Gabriel, CA

Cont'd attempts collect debt not owed

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

Debt was discharged in bankruptcy
Complaint: DIVERSIFIELD CONSULTANTS INC HAVE VIOLATED FCRA RIGHTS. They have reported to XXXX XXXX on XXXX XXXX, 2015 on an collect account as a new account. First of all, this account was originated over 5 years ago and was included in a Chapter XXXX BK. second of all, they never advised me of the new reporting. It is very illegal for any company and a clear violation of my FCRA rights to report to any credit bureau on an old account as a new one.
Company Response: Closed with explanation

Disputed: No Timely Response

2015-07-31

Jacksonville, FL

False statements or representation

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

Attempted to collect wrong amount
Complaint: Advised me that as long as I set up payment plan with them they would not report to credit bureau. As soon as I started payment they reported it to my credit. Then I called and they said when I finished payment they would remove it. Then they said they never said any of that. Then they refused to provide me with the transcripts or recordings after I repeatedly asked. Then said again they would remove from my credit report and did n't. Refused to provide me with my communication with them. They also called me after I paid saying I still owe them.
Company Response: Closed with explanation

Disputed: No Timely Response

2015-07-30

Baton Rouge, LA

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

2015-07-29

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