Diversified Consultants, Inc

2015-05-13

Newport, TN

Disclosure verification of debt

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

Right to dispute notice not received
Complaint: Diversified collections contacted me around XXXX 2014 notifing me that they had obtained there information from XXXX XXXX XXXX XXXX. I advised them that I had told XXXX XXXX XXXX that I would pay the account off in full when I received my income tax in XXXX and that since they had the account now that I would do the same. I made several {$25.00} payments to them and did pay the account off, the agreed amount with my income tax. They told me that once it was paid off that I could submit in writing to them via fax that I would like it removed from my credit bureau report as a deletion. I did so in XXXX around the XXXX and also called to make sure they received my fax. I was told that a supervisor had it and they would be in contact with me. Several weeks went by with no call from them. When I called again around the XXXX of XXXX was told that this could not be done and I would have to take it up with the credit bureau 's my self and dispute.
Company Response: Closed with explanation

Disputed: No Timely Response

2015-05-13

Dallas, TX

Disclosure verification of debt

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

Right to dispute notice not received
Complaint: Today, XXXX XXXX, 2015, I received a copy of my XXXX XXXX XXXX. Listed, is DIVERSIFIED CONSULTANTS on behalf of XXXX.I HAVE NEVER RECEIVED NOTICE OF RIGHT TO DISPUTE BY DIVERSIFIED CONSULTANTS. I am DISPUTING, via this writing DIVERSIFIED CONSULTANTS improper and inaccurate reporting to my consumer file. I am ALSO DISPUTING, THE {$99.00} reported. I paid XXXX every month on time for year 's. I want this removed " immediately '' from my consumer credit file. It is illegal reporting by both parties. My personal information is being provided for the CFPB use " only '' ( solely, for this complaint ). It is NOT to be used by XXXX or Diversified Consultants.
Company Response: Closed with explanation

Disputed: No Timely Response

2015-05-12

Bartlett, IL

Communication tactics

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

Frequent or repeated calls
Company Response: Closed with explanation

Disputed: No Timely Response

2015-05-08

Fairburn, GA

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

2015-05-08

Discovery Bay, CA

Cont'd attempts collect debt not owed

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

Debt was paid
Complaint: XXXX XXXX XXXX has placed the account multiple times to different agencies for the debt I did not owe. I have already settled this account with XXXX different collection agencies 1 ) XXXX for {$56.00} on XX/XX/XXXX and 2 ) XXXX on XX/XX/XXXX for {$56.00}. The same account is now again placed with DCI for {$39.00}. I wrote to DCI that I do not owe this debt but despite my letter, they have placed this account with credit reporting companies. My multiple request to XXXX XXXX XXXX to justify why they have this past due account did not come with any information or justification. There seems to be various account numbers on these debts and all refer to my phone number XXXX which is being paid every month. I need your help to sort this matter with XXXX and their collection agencies which are cheating customers to pay of debts not owed to them. Please let me know if you need more information. Thanks, XXXX
Company Response: Closed with explanation

Disputed: No Timely Response

2015-05-07

Baltimore, MD

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

2015-05-07

Brentwood, TN

Improper contact or sharing of info

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

Talked to a third party about my debt
Complaint: Diversified consultants has, on numerous occasions, contacted my minor child on HER phone regarding an XXXX XXXX XXXX bill that was past due ( and subsequently has been paid ). The XXXX time they called her ( during school ), I called them back and gave them my phone number ( STILL do n't know how they got her number ) and told them not to contact my minor child again and to remove her number. Since then, they have called her at least XXXX times. The bill has been paid and they 're still calling her.
Company Response: Closed with explanation

Disputed: No Timely Response

2015-05-06

Jacksonville, FL

Improper contact or sharing of info

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

Contacted me after I asked not to
Complaint: Diversified collections keeps calling me after made several requests that they not contact me anymore. The numbers they contacted me from are XXXX XXXX XXXX and XXXX XXXX.
Company Response: Closed with explanation

Disputed: No Timely Response

2015-05-05

Naples, 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

2015-05-04

Albany, 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: No Timely Response

2015-05-04

Magnolia, TX

Cont'd attempts collect debt not owed

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

Debt is not mine
Complaint: I closed my XXXX {$19.00} home DSL account XXXX/XXXX/2015. Two weeks later I am receiving collection calls from this agency for a debt I do not owe of $ XXXX on my former XXXX account , before I even received my final bill from XXXX . I contacted XXXX, they claim no knowledge of this company or turning me over for collections, & claim to be sending me a revised final bill for a lesser amount which I have yet to receive. This debt collector has been instructed to STOP calling me yet continues to do so for a debt that is not mine, that is in error, & that is been denied by XXXX.
Company Response: Closed with explanation

Disputed: No Timely Response

2015-05-01

Boston, MA

False statements or representation

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

Attempted to collect wrong amount
Complaint: I was a XXXX customer for XXXX years. I contacted them to at the latter part of a contract renewal to upgrade to XXXX. The technician came and installed used standard boxes ( XXXX ) and left the existing dish ( standard ) on the roof stating it was fine. I notified XXXX of these aforementioned events and they sent XXXX different technicians to remedy problem over the course of XXXX weeks. After reaching a new high point of anger I cancelled service and sent all equipment back. XXXX was paid to date for usage and went with XXXX. XXXX started billing me for the remainder of the contract for which they breached. After several attempts to remedy the billing issue they sold the debt to a collection agency who also was unsuccessful in their attempt to collect what I feel was not my debt. This company called XXXX times a day on my residence, business and cell phones. They chose after 3 years to post the debt. I am the victim of an unscrupulous employee of XXXX and I have to fight a battle for my innocence. I feel this is unjust and was told to contact the CFPB on this matter. I feel I have a pretty good credit rating and for this company to be allowed to post this just does not seem right. Thank you for your time on this matter.
Company Response: Closed with explanation

Disputed: No Timely Response

2015-05-01

Discovery Bay, CA

Disclosure verification of debt

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

Right to dispute notice not received
Complaint: I paid the debt in full. I was never sent a letter in order to validate the debt prior of payment. I was forced to pay at the time in order for me to get my apartment rental contract or I would be stuck without a place to live. They are collecting on behalf of XXXX. I never received letters from the debt collector. My apartment manager told me " you have an unpaid collection and it must be paid in full prior to move in ''. I was not aware of any collections on my credit report. They are reporting on all three.
Company Response: Closed with explanation

Disputed: No Timely Response

2015-05-01

Yorktown, NY

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

2015-04-30

Magnolia, TX

False statements or representation

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

Attempted to collect wrong amount
Complaint: I originally owed XXXX over XXXX dollars for a wireless phone acct. I was called by Diversified Consultants and offered a settlement in the amount of XXXX to be paid over 6 months. I fulfilled XXXX of the settlement amt. Before the last two payments could be automatically drafted from my checking acct, XXXX recalled the acct from DCI and it was placed with another collection agency again demanding a new settlement arrangement. I was told by DCI that they originally knew that their arrangement would not be allowed to be played out since all of the accts get recalled at month 5, so if someone makes a 6 month payment arrangment on a settlement amt then the arrangement will never be fulfilled since the acct will be recalled prior to the arrangments being satisfied in full. This sounds like fraudulent and deceptive practices on the part of the collection agency and the original creditor XXXX.
Company Response: Closed with explanation

Disputed: No Timely Response

2015-04-30

New Bedford, MA

Account opening, closing, or management

Bank account or service: Checking account

Company Response: Closed with explanation

Disputed: No Timely Response

2015-04-28

Providence, RI

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 cancelled a cell phone contract through XXXX wireless. They had informed me that I would owe an additional month of service and I requested that they send me a statement of my charges to keep for my records because I did not agree. I was told that I was no longer a customer so I would not be able to obtain a statement. Since then, XXXX separate debt companies have purchased this account, most recently Diversified Consultants. I spoke with a representative from Diversified consultants on XXXX XXXX, XXXX and requested proof that I owe this balance of {$150.00}. I was told that since the account was so old that proof of the debt would not be able to be obtained. I was then forwarded to a supervisor 's voicemail by the name of XXXX. I left him a message but still had not received a call back as of XXXX XXXX. I called Diversified Consultants again on XXXX XXXX, XXXX to follow up and was told that a request had been made to XXXX XXXX Collections, but they are unable to do anything for me aside from offering me a settlement. I asked that until the requested documentation is provided that Diversified Consultants stop negatively reporting against me to the XXXX credit bureaus. Again, I was told that there was nothing that could be done for me and if I had a problem I would have to report it myself. I also asked what the company policy was regarding lack of documentation. Specifically, I asked what would be done if the paperwork I requested was not available after thirty business days. I was told that they could not predict the outcome of the documentation, which directly contradicts the statement they made two weeks ago about not being able to obtain the documentation. The representative then hung up on me.
Company Response: Closed with explanation

Disputed: No Timely Response

2015-04-28

Tarzana, CA

Cont'd attempts collect debt not owed

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

Debt was paid
Complaint: In received an offer to settle for 70 % of my XXXX debt throughout a XXXX party collection firm and I made the payment as offered but after few moths a different agency came back to me for the remaining portion of 30 % of the debt and now this debt is shown in my credit report.
Company Response: Closed with explanation

Disputed: No Timely Response

2015-04-27

Ann Arbor, MI

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

2015-04-27

Dos Vientos Ranch, 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

2015-04-26

Brooklyn, NY

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

2015-04-24

Leeton, UT

Cont'd attempts collect debt not owed

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

Debt is not mine
Complaint: I previously filed a complaint on XXXX XXXX, 2014, # XXXX. This complaint was against XXXX XXXX regarding a XXXX cell phone bill. that complaint was resolved and closed as they could not verify the debt nor provide me a signed contract showing I owed this money. XXXX has now assigned this debt to another collection agency Diversified Collections out of XXXX Florida. This complaint is leveled at both XXXX and this additional collection agency. Please make them stop violating federal collection laws, I have been through this process previously and do not feel I should be made to go through this again.
Company Response: Closed with explanation

Disputed: No Timely Response

2015-04-22

Thompsons Station, TN

Disclosure verification of debt

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

Right to dispute notice not received
Complaint: I checked my credit report because I was denied credit. I called and contacted the company and asked to receive a written/letter of notification that I owe this debt. The person I talked to would not send out a notification. He stated that they would email a notification if I would set up payment arrangements XXXX. I feel that this is not right. I only know about the debt because I checked my credit report. I have not received any type of letter from this debt collector that I owe a debt. I also feel that he was very pushy in wanting me to set up arrangements and pay off my debt, even though they have not mailed me any correspondence that I owe a debt.
Company Response: Closed with explanation

Disputed: No Timely Response

2015-04-22

PA

Cont'd attempts collect debt not owed

Debt collection: I do not know

Debt is not mine
Complaint: For the last few months I have been receiving phone calls from Diversified Consultants who have been looking for a " XXXX XXXX. '' I am not and do not know anyone by that name. However, they continue calling my phone number even after I have told them to stop calling. Please do something about this company to try to stop them from calling me. I will also send them a cease and desist letter as well.
Company Response: Closed with explanation

Disputed: No Timely Response

2015-04-21

Briarwood, 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: No Timely Response