Diversified Consultants, Inc

2015-07-09

Fallbrook, 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

2015-07-09

Coconut Creek, 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

2015-07-08

NY

Cont'd attempts collect debt not owed

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

Debt is not mine
Complaint: I received an email alert from " XXXX from XXXX XXXX '' of a negative reporting in my credit report by " DIVERSIFIED CONSULTANTS INC., PHONE # ( XXXX ) XXXX XXXX ''. I immediately called that number and I learned that it is a debt collector acting on behalf of XXXX and I explained that I did not owe them and that this matter had been resolved via a former complaint to the CFPB. Upon checking my credit report, I came to realize that XXXX is again asking for a {$410.00} overdue payment. In response to that earlier complaint ( Case number : XXXX ), here is the specific response by XXXX XXXX XXXX from XXXX which handled the claim by XXXX : Please be advised that I have thoroughly reviewed the above referenced complaint. XXXX XXXX XXXX XXXX XXXX is a collection agency which performs collections sevices for XXXX in association with a collection claim on a defaulted account. XXXX XXXX is listed as the responsible party and all communication from our office has been in regards to the defaulted account. Per your complaint, a deletion from your credit file has been processed on XXXX XXXX, 2015 and the account has been returned to our client. You will receive no further communication from our office regarding the defaulted account. On behalf of XXXX XXXX XXXX XXXX XXXX I want to apologize for any inconcenience that this may have caused you. If you have any further questions or need additional information feel free to contact me directly at the number listed below. Sincerely, XXXX XXXX XXXX do not owe XXXX any outstanding overdue balance and the facts for this declaration were clealy detailed in my earlier complaint, Case number : XXXX. Additionally, the FTC in its online bulletin dated, Wednesday, XXXX XXXX, 2015 declared : " FTC Charges XXXX with Deceptively Advertising the Cost of Its Satellite Television Service '', which is indeed partially at the core of their claim that I owe them noney.
Company Response: Closed with explanation

Disputed: No Timely Response

2015-07-07

Summerdale, AL

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

2015-07-06

Mineral Wells, MS

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

2015-07-06

Charleston, OR

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

2015-07-06

Greenville, SC

Cont'd attempts collect debt not owed

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

Debt is not mine
Complaint: I 'll try to make this brief : Beginning in XX/XX/XXXX, I began having problems with my XXXX phone and charges. I ordered a new phone through them and it was defective. I made several trips to the local XXXX store but problems continued and I was told the phone could not be repaired. They sent a new phone to the local store but then wanted {$20.00} shipping. I refused to pay that since the worthless, defective phone was not my fault, plus I DROVE to the store to pick it up. In the meantime, my XXXX charges went from the quoted {$85.00} per month to {$120.00} per month, with no explanation. Calls to customer service were useless and I finally got phone service with XXXX. I attempted to return the defective XXXX phone to XXXX different stores and they all REFUSED it. XXXX began contacting me, saying that I owed ridiculous amounts of money, then collection agencies began contacting me. DIVERSIFIED CONSULTANTS called me in XX/XX/XXXX and I told them what I am telling you -- that I did NOT owe this absurdly outrageous {$500.00}. The agent then asked me if I was disputing the charge and I said YES. He said that was fine and that he had made note of it and SOMEONE WOULD BE CONTACTING ME about the dispute. No one ever contacted me and I discovered today that DIVERSIFIED CONSULTANTS has reported this to XXXX XXXX as a collection/charge off!!! I called Diversified today and was told that this should NOT have gone against my credit since it was in dispute and that she would give the information to 'administration ' and for me to call back in two or three weeks. My credit score was XXXX out of XXXX, showing that I am a very honest and responsible person. XXXX has been wrong about these charges ( and their terrible customer service ) and Diversified has deliberately lied to me -- saying in XXXX that someone would be contacting me about my dispute -- when NO ONE contacted me and it was put against my credit.
Company Response: Closed with explanation

Disputed: No Timely Response

2015-06-29

Fort Wayne, 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

2015-06-29

Neotsu, OR

Cont'd attempts collect debt not owed

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

Debt is not mine
Complaint: IN XX/XX/XXXX, I CO-SIGNED A PHONE SERVICE FOR MY GRANDSON. XX/XX/XXXX I HAD MY NAME TAKEN OFF AS A CO-SIGNER, AND ANY AND ALL FUTURE CORESPONDENCE WENT TO HIM. I HAVE BEEN HARRASSED AND HAD CONSTANT PHONE CALLS WHICH CAUSED ME TO HAVE MY PHONE NUMBER CHANGED. I HAVE TOLD " DIVRIFIED CONSULTANTS '' I DO NOT OWE THIS BILL, WHICH IS {$1100.00}. I AM A XXXX XXXX AND GO OUT OF MY WAY TO SEE THAT ANY AND ALL OF MY OBLIGATIONS ARE TAKEN CARE OF. WHY DO I HAVE TO PAY THIS BILL WHEN I NEVER OWNED A XXXX PHONE OR MADE OR USED ANY OF THEIR SERVICES. TODAY I LEARNED THESE PEOPLE HAVE FILED A JUDGEMENT AGAINST ME. AND HAVE RUINED MY CREDIT. I HAD APPLIED TO MY BANK FOR A USED CAR LOAN AS MY XXXX BUICK WANTS TO RETIRE. AND WAS TOLD I WOULD NOT BE ABLE TO GET A LOAN BECAUSE OF THIS FALSE ATTEMPT TO COLLECT A LOAN I DO NOT OWE AND WOULD HAVE TO PAY OFF TO PREVENT ANY MORE DAMAGE TO MY CREDIT..THIS HAS KNOCKED ME FOR A LOOP TO BE TOLD BY MY BANK OF WHICH I HAVE ALWAYS BEEN IN GOOD STANDING. THAT I NOW HAVE A JUDGEMENT AGAINST MYSELF. THANK 'S FOR LETTING A OLD LADY TELL HER TALE OF WOE.
Company Response: Closed with explanation

Disputed: No Timely Response

2015-06-26

Tomball, TX

Cont'd attempts collect debt not owed

Debt collection: I do not know

Debt is not mine
Complaint: This company continues to report on my credit report after I sent them a letter telling them that this account was not mine and I have no idea what it is or who it belongs to! I asked for proof of a signed contract, I asked for a license to collect in my state, I asked for copies of all information referenced for this debt and still to date, I have not received anything but harassment from this company! THIS IS NOT MY DEBT!
Company Response: Closed with explanation

Disputed: No Timely Response

2015-06-26

Watkins, CO

Cont'd attempts collect debt not owed

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

Debt resulted from identity theft
Complaint: In XX/XX/XXXX I had someone open a XXXX cell phone in my name with out my knowledge. I disputed this with XXXX and it was resolved and deleted. now a collection agency is reporting that I have a new collection with them as of XX/XX/XXXX I do not have a collection. and this was identity theft from XXXX years ago.
Company Response: Closed with explanation

Disputed: No Timely Response

2015-06-24

Beldenville, WI

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

2015-06-24

Clementwood, VT

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

2015-06-24

Natrona Hts, PA

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

2015-06-23

Gloucester City, NJ

Disclosure verification of debt

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

Not disclosed as an attempt to collect
Complaint: did not give the Mini Miranda until after attempting to collect the debt. The collector had confirmed my identity and proceeded to her collection script. Only after " I '' mentioned she had not given the Mini Miranda that she proceeding in reading it.
Company Response: Closed with explanation

Disputed: Yes Timely Response

2015-06-20

Pikeville, NC

Communication tactics

Debt collection: I do not know

Frequent or repeated calls
Complaint: Diversified Consultants , Inc has violated the Fair Debt Collection Practices Act section 806 Harassment or abuse [ 15 USC 1692d ] A debt collector may not engage in any conduct the natural consequence of which is to harass, oppress, or abuse any person in connection with the collection of a debt. Without limiting the general application of the foregoing, the following conduct is a violation of this section : ( 5 ) Causing a telephone to ring or engaging any person in telephone conversation repeatedly or continuously with intent to annoy, abuse, or harass any person at the called number. Diversified Consultants , Inc has violated the XXXX Fair Debt Collection Practices Act 58 70 100. Harassment. ( 3 ) Causing a telephone to ring or engaging any person in telephone conversation with such frequency as to be unreasonable or to constitute a harassment to the person. Diversified Consultants , Inc has violated the Telephone Consumer Protection Act ( 47 U.S.C. 227 ) by its actions of calling consumer 's cellular telephone using automatic telephone dialing system ; 47 U.S.C. 227 ( b ) ( 1 ) ( A ) ( iii ). Diversified Consultants, Inc. violated the Fair Debt Collection Practices Act specifically section : 809. Validation of debts requirements [ 15 USC 1692g ]. Diversified Consultants, Inc. violated the Fair Debt Collection Practices Act specifically section : 807. False or misleading representations [ 15 USC 1692e ] A debt collector may not use any false, deceptive, or misleading representation or means in connection with the collection of any debt. Without limiting the general application of the foregoing, the following conduct is a violation of this section : ( 10 ) The use of any false representation or deceptive means to collect or attempt to collect any debt or to obtain information concerning a consumer. Diversified Consultants, Inc. violations of the Fair Debt Collection Practices Act, XXXX Fair Debt Collection Practices Act, and Telephone Consumer Protection Act are documented as follows : Repeated Robocalls to my Cellular Telephone ( XXXX ) XXXX XXXX, XXXX XXXX/XXXX/2015 XXXX XXXX, XXXX XXXX/XXXX/2015 XXXX XXXX, VA XXXX/XXXX/2015 XXXX XXXX, XXXX XXXX/XXXX/2015 XXXX XXXX, XXXX initial contact was XXXX XXXX XXXX 2015 via telephone as documented. However, Diversified Consultants XXXX Inc. failed to mail a written notice of collection containing a consumer 's dispute rights under the FDCPA within XXXX days after the initial contact. Diversified Consultants, Inc. failed to mail such written notice. Diversified Consultants, Inc. telephone calls to my cellular number are direct violation of the XXXX. Diversified Consultants, Inc. failed to provide any meaningful information during such calls ; all in violation of the FDCPA and XXXX. Instead Diversified Consultants, Inc. continued to call my cellular number to repeating have my telephone to ring as forms of harassment all in violations of the FDCPA, XXXX, and XXXX.
Company Response: Closed with explanation

Disputed: No Timely Response

2015-06-18

Key Biscayne, FL

Cont'd attempts collect debt not owed

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

Debt was paid
Complaint: I transferred cell phone service from one provider to another. The new provider was to reimburse the money and can pay the outstanding balance to the previous provider. I made payment arrangements with XXXX and was paying the arrangements. After I made my last payment to XXXX, I started to get calls consistently from Diversified Consultants XXXX. They were rude, I explained to them I had no debt and had pay XXXX off. They told me I was lying and the debt needed to be paid. I even called XXXX and asked them to make this collection agency stop calling me.
Company Response: Closed with explanation

Disputed: No Timely Response

2015-06-18

Lk Buena Vis, FL

Communication tactics

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

Frequent or repeated calls
Complaint: Diversified Consultants, Inc. is repeatedly contacting me on my cell phone as well as my daughter 's cell phone to attempt to collect a debt from XXXX XXXX XXXX. They have contacted me XXXX times since XXXX XXXX, 2015, so far from XXXX different telephone numbers ; XXXX calls in the last week alone from the following phone numbers : XXXX ( XXXX times ), XXXX ( XXXX times ) and XXXX ( XXXX time ). They called me XXXX times in XXXX day from the first XXXX phone numbers. I have explained that I began making my payments and will continue to do so. They continue to call, one representative trying to persuade me to make a larger payment. I am XXXX, on a fixed income and can make small payments on this debt. I tried to get a resolution with XXXX XXXX XXXX ( over the phone and by email ) before it went to collections but I did not receive a response from them. These harassing phone calls are XXXX me, causing me to have XXXX XXXX in the past week. I would like them to stop calling me and simply bill me and I will continue to make the payments monthly.
Company Response: Closed with explanation

Disputed: No Timely Response

2015-06-18

Wonder Lake, IL

False statements or representation

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

Attempted to collect wrong amount
Complaint: The debt collector Diversified Consultants has my account from XXXX XXXX XXXX for XXXX I have explained to them that this is not correct. XXXX XXXX XXXX was charging me for Data that was supposed to be unlimited as per my contract, but continuing to charge for data. I found out later this was not unlimited. I filed complaint with FCC and FTC. They currently have a lawsuit with XXXX XXXX XXXX. I want this removed from my credit report.
Company Response: Closed with explanation

Disputed: No Timely Response

2015-06-17

Sacramento, CA

Communication tactics

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

Frequent or repeated calls
Company Response: Closed with explanation

Disputed: No Timely Response

2015-06-15

MS

Cont'd attempts collect debt not owed

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

Debt is not mine
Complaint: This company is trying to collect a debt that has already been removed from my report. XXXX Collections tried to collect the debt last summer, and reported it to XXXX. I disputed the information, which ultimately resulted in the removal of the account in question from my credit report. The account has now been readded by Diversified Consultants as they are trying to collect it.
Company Response: Closed with explanation

Disputed: Yes Timely Response

2015-06-11

Rocky Ridge, MD

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

2015-06-11

Lewisville, TX

Cont'd attempts collect debt not owed

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

Debt was paid
Complaint: I was with XXXX for many years, never late, made automated payment every month for all services..XXXX phone company has wrongfully charged me, i have recorded conversation with an agent as a proof..XXXX has overly charged me {$66.00} after the account is closed and without reaching out to me they have sent my account to collection. I could have just paid off enen though it was wrongfully charged..I spoke to XXXX as well as many debt collecting companies for removing these charges but instead these companies keep selling my accounts to new comanpnies and my credits score has gone down from XXXX to XXXX. This is the only debt collection i have in my credit history and this is not fair to consumer ... It 's hurting my credit really bad.
Company Response: Closed with explanation

Disputed: No Timely Response

2015-06-10

AL

Improper contact or sharing of info

Debt collection: I do not know

Contacted me after I asked not to
Complaint: A debt collection agancy has been calling my personal cellphone for months. When the started calling my phone no one would answer. The would hand up without saying anything. the they started askin for Person named XXXX. I am not this person, please stop calli my personal cellphone I said. the said the woild not. then a different phone # from same city started calling me again. I want them to stop bothering me by asking for this XXXX person.
Company Response: Closed with explanation

Disputed: No Timely Response

2015-06-10

Newnan, GA

Cont'd attempts collect debt not owed

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

Debt is not mine
Complaint: XXXX XXXX has placed a collection debt on my credit report for XXXX bureaus in the amount of {$1600.00}. I do not owe this debt. I ended my contract early and relocated to T mobile. Then XXXX charged me for the total amount of the contract. when I dispute this account with the credit bureaus the dispute comes back verified. when I dispute the account with the Collection agency XXXX I do n't received any proof that I owe this debt
Company Response: Closed with explanation

Disputed: Yes Timely Response