Diversified Consultants, Inc

2019-04-28

TX

Attempts to collect debt not owed

Debt collection: Payday loan debt

Debt was paid
Complaint: I was promised that after paying my debt, that this collection would be taken off my credit report and it hasnt.
Company Response: Closed with explanation

Timely Response

2019-04-27

Addicks Barker, TX

Attempts to collect debt not owed

Debt collection: I do not know

Debt is not yours
Company Response: Closed with explanation

Timely Response

2019-04-27

Liverpool, TX

Attempts to collect debt not owed

Debt collection: Other debt

Debt is not yours
Complaint: The collection agency mailed a collection notice on XX/XX/2018 to an address that I no longer reside. I did not receive the letter until approximately 2 months after it was mailed because I have not resided at that address for more than 3 years. The debt is not mine and I do not owe any funds to the collection agency. I mailed the CA a debt VALIDATION ( not verification ) request letter via certified mail on XX/XX/2018. On XX/XX/2018, I received a letter from the CA in response to my request for debt validation. The company sent a copy of a bill that included my name, previous address, and dates during which I was NOT living at that address or in that state. Not only does this information fail to satisfy the criteria for proof of debt validation, but I believe this information was obtained under false pretenses. Much of my personal information was leaked in the recent XXXX, XXXX, and XXXX breaches. Anyone could have stolen my personal information from the internet and used it fraudulently.
Company Response: Closed with explanation

Timely Response

2019-04-26

Novi, MI

Incorrect information on your report

Credit reporting, credit repair services, or other personal consumer reports: Credit reporting

Account status incorrect
Complaint: I received notification that I have an account with diversified consultants in regards to an account with XXXX XXXX XXXX, the problem is that I still have an open account with currently with them but they are still reporting inaccurately. I have paid off this balance because I didn't want it to continue to have this inacurrate account on my credit report. The amount that is reporting is {$320.00}
Company Response: Closed with explanation

Timely Response

2019-04-26

Gastonia, NC

Attempts to collect debt not owed

Debt collection: Credit card debt

Debt was paid
Company Response: Closed with explanation

Timely Response

2019-04-26

Itasca, IL

False statements or representation

Debt collection: Other debt

Attempted to collect wrong amount
Complaint: On XX/XX/2018, a debt collection agency called XXXX sent me a letter saying that I owed XXXX {$610.00}. The letter was dated for XX/XX/2018, I sent a letter back to them dated XX/XX/XXXX by certified mail thru the post office, disputing the validity of this amount owed. Once they received the letter, they took the amount owed off of my credit report within a few weeks. Now they have come back under a new name called Diversified Consultants, and have put the inaccurate amount owed back on my credit report. Diversified Consultants never sent me a letter or anything of that nature to let me know that they have taken over the collection attempts of this account. I just happen to check my credit report yesterday and was surprised to see that they put this back on my credit report without the courtesy of contacting me by letter first. I believe that XXXX and Diversified Consultants are one and the same company. Just because they changed their name, they think that gives them the right to pursue this unjustified debt. This new collection attempt is fraudulent, and exceeds the limits of what is proper, fair, and is in total disregard of what is right and legal. This all started when my wife got basic cable in my name over my objections. She was late with the bill in my name, an they cut off services. We turned in the equipment soon afterwards and XXXX continued to bill us for service because they told my wife that we did not call them to tell them to terminate, what they had already terminated. So now nearly a year later, XXXX is back as Diversified Consultants, and expecting me to pay this debt. I need Consumer Financial Protection Bureau to come to my aid and fight on my behalf during this legal dispute. Thank you for your time and your patience.
Company Response: Closed with explanation

Timely Response

2019-04-26

Mineral Bluff, GA

Communication tactics

Debt collection: I do not know

You told them to stop contacting you, but they keep trying
Company Response: Closed with explanation

Timely Response

2019-04-26

Brier, WA

False statements or representation

Debt collection: Other debt

Attempted to collect wrong amount
Company Response: Closed with explanation

Timely Response

2019-04-25

Blmgtn, IN

Attempts to collect debt not owed

Debt collection: Other debt

Debt is not yours
Company Response: Closed with explanation

Timely Response

2019-04-25

Foothill Ranch, CA

Attempts to collect debt not owed

Debt collection: Other debt

Debt was paid
Complaint: XXXX bill from XXXX wen to diversified consultant like we miss payments and report me on my credit report. Diversified consultant report me with XXXX XXXX about not paing my account. We try to contac you guys but you wore close because of federal shutdown. We pay to diversified consultant noing was a complete fraud only to be remove from credit report Today we pay another XXXX dlls to same company same issue in cellphone account charging 2 XXXX we never receive because I wanth to buy a house guys can not be posibel XXXX is doing fraud to every buddy over charging we don't complain because is XXXX dlls only I pay an I need that collection remove from my report. The company is XXXX DOING COLLECTION WITH DIVERSIFIED CONSULTANT Doing a complete fraud Report XX/XX/2018 XXXX/XXXX XXXX . ALL READY PAY ONLY TO NOT BE REPORTED BUT WE DONT OU MONEY TO XXXX.ALREADY SEND COMPLAIN TO XXXX XXXX TO DIVERSIFY CALL 20 TIMES TO ATT NOT POSIBEL
Company Response: Closed with explanation

Timely Response

2019-04-24

Stafford, VA

Attempts to collect debt not owed

Debt collection: Other debt

Debt was already discharged in bankruptcy and is no longer owed
Complaint: I believe this was discharged in my bankruptcy and shouldnt be with a collection agency. I already had XXXX remove this from my credit report. Chapter XXXX case number XXXX
Company Response: Closed with explanation

Timely Response

2019-04-24

Mckeesport, PA

Problem with a credit reporting company's investigation into an existing problem

Credit reporting, credit repair services, or other personal consumer reports: Credit reporting

Their investigation did not fix an error on your report
Company Response: Closed with explanation

Timely Response

2019-04-24

Bellaire, TX

Written notification about debt

Debt collection: Other debt

Didn't receive enough information to verify debt
Complaint: I noticed an account on my credit reports that I didn't recognize. I disputed with the credit bureaus on XX/XX/19. The account came back verified. I also sent a letter requesting validation from Diversified Consultants on XX/XX/19. ( Tracking XXXX XXXX XXXX XXXX XXXX ). I never received a response or a proper validation from Diversified Consultants. Being that there is another collection company collecting on the SAME DEBT, I didn't expect to get a response from them. It is illegal for two collection companies to collect on the same debt. Please delete this account from my credit reports.
Company Response: Closed with explanation

Timely Response

2019-04-24

Hazelwood, MO

Took or threatened to take negative or legal action

Debt collection: Other debt

Threatened or suggested your credit would be damaged
Company Response: Closed with explanation

Timely Response

2019-04-23

Wallington, NJ

Attempts to collect debt not owed

Debt collection: Credit card debt

Debt was paid
Complaint: A XXXX debt owed to XXXX XXXX XXXX XXXX that was paid in full to a Collection Agency, but is still being reported by the Collection Agency ( below ), and still appears on all three credit bureaus as, " An Account with a Negative Pay Status ''. The current balance is and has been {$0.00} for over ( 2 ) two years. I have asked the reporting Collection Agency to remove the above reference negative notation, and I have provided them with documentation they've requested, but they have refused to correct or remove the negative reference. Thank you. Diversified Consultants XXXX. XXXX XXXX XXXX, FL XXXX XXXX XXXX XXXX XXXX
Company Response: Closed with explanation

Timely Response

2019-04-23

MA

False statements or representation

Debt collection: Other debt

Attempted to collect wrong amount
Complaint: Diversified Consultants ( XXXX ) XXXX AddressXXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX They are saying I owe {$760.00} and the original balance was {$430.00}. They are also saying the debt is from Florida and the date opened was XX/XX/2015. I lived in Massachusetts during that time. I have disputed this with XXXX and XXXX to no avail.
Company Response: Closed with explanation

Timely Response

2019-04-23

Boston, MA

Written notification about debt

Debt collection: I do not know

Didn't receive enough information to verify debt
Company Response: Closed with explanation

Timely Response

2019-04-23

Staten Island, NY

False statements or representation

Debt collection: Other debt

Attempted to collect wrong amount
Complaint: I have an ongoing issue with XXXX for almost 3 years now. I returned their equipment at my expense on XX/XX/XXXX and it was delivered at XXXX I was told that I would be charged {$350.00} for an early cancellation fee which was untrue as they kept changing their minds and decided to bill me whatever amount they felt like billing and whenever they wanted to. First I'm told {$350.00}, then I'm billed {$480.00} and then they tried to charge my credit card {$650.00} on XX/XX/XXXX-they 're not consistent. To continue, I wasn't credit for the returned equipment AND THEY ADDED {$53.00} A MONTH TO MY BILL FOR PREMIUM CHANNELS THAT I NEVER ORDERED/AUTHORIZED WHICH I WASN'T CREDITED FOR EITHER. I have so many letters, emails, many addresses for XXXX and no one ever replied. I have received calls from collection agencies. I had to start making payments as they were ignoring my requests for review account etc ... and in the end I realize that they truly want to get {$650.00} from me more or less for the following reason : As of XX/XX/XXXX I've paid XXXX {$400.00} and this month I received a letter from Diversified Consultants showing that my balance is {$240.00}, add the XXXX that I've paid and the total is {$650.00} which is ridiculous in so many ways. I know that many folks have filed complaints against XXXX and with good reason-look what they did to me and continue ... I've asked many times via postal mail to review and reduce my bill but they never did-they don't care, they don't have problems sleeping at night nor they have a conscience so why should I allow this to continue when they owe me money? It's always the same ... Last, while I am retired I'm also XXXX and they didn't care about this one bit nor did they care about how their lies added to my daily, XXXX XXXX.
Company Response: Closed with explanation

Timely Response

2019-04-23

Glendale, CA

Attempts to collect debt not owed

Debt collection: Other debt

Debt is not yours
Company Response: Closed with explanation

Timely Response

2019-04-22

Lansing, IL

Attempts to collect debt not owed

Debt collection: Other debt

Debt was paid
Company Response: Closed with explanation

Timely Response

2019-04-22

Milwaukee, WI

False statements or representation

Debt collection: Other debt

Attempted to collect wrong amount
Complaint: I am writing this letter in regards to my XXXX XXXX XXXX XXXX services from the XX/XX/XXXX, XXXX XX/XX/2017. My billing has been incorrect from the very first bill and I have contacted the service provider dozens and dozens of times in order to correct the situation to no avail. I called to purchase internet and basic cable channels on XX/XX/2017. The woman I spoke with was very kind and informed me that because of promotions and bundling my bill altogether would be {$66.00} total before taxes. I was also informed that the normal {$99.00} installation fee would be waived due to this promotion. I declined the XXXX XXXX protection plan. I was informed that I would have XXXX, XXXX, XXXX and XXXX for free for the first three months and then I would have to cancel or face a monthly fee of {$53.00}. The very first bill I received was from XXXX alone in the amount of {$75.00}. The statement date was XX/XX/2017. The billing periods were from XXXX XXXX XXXX, 2017. The payment was made in full on XX/XX/2017 in the amount of {$75.00}. The second bill I received was from XXXX XXXX XXXX on XX/XX/2017. The bill cycle was for XX/XX/2017 - XX/XX/2017. The bill was for {$82.00}. I attempted to call several times after receiving this bill. I wasnt sure why I was receiving statements from both companies for amounts that were more than the services should have cost combined. I called to contest this bill to have it fixed and after speaking to several people I was not able to speak with anyone who was able to help me. My third bill was received from XXXX XXXX XXXX for the bill cycle of XX/XX/XXXX - XX/XX/2017. The bill amount was for {$160.00}. This included the {$82.00} from the XXXX XXXX XXXX, 2017 bill. I once again called to contest this bill to have it fixed and after speaking to half a dozen people was able to speak with a woman who found the problem. She assured me she had resolved the issue. She said my bundle was not put in correctly which would explain getting bills from both XXXX XXXX XXXX and XXXX XXXX. She made some adjustments and also informed me that the bills from this point forward would be the {$66.00} plus tax as initially discussed and agreed upon. I paid {$32.00} during this call. It is also during this same phone call that I requested she remove the premium channels. I was worried I would call again the following month to cancel and wouldnt speak with someone who was able to help me as I had ran into that issue many times before. My fourth bill was received from XXXX XXXX XXXX for the bill cycle of XX/XX/XXXX - XX/XX/2017. This bill amount was for {$140.00}. The bill charged me {$64.00} for internet and {$81.00} for TV. I once again called to speak with someone to fix my bill. I could not find anyone who was able to fix it. Every person I spoke with transferred me to a new department or hung up on me. I called several times throughout the month and refused to pay more than double the amount I agreed upon in my contract. My fifth bill was received by XXXX XXXX XXXX for the bill cycle of XXXX XXXX XX/XX/2017 in the amount of {$280.00}. The bill included the past due amount of {$140.00} and a new bill for {$130.00}. The new bill charged me {$31.00} for internet and {$95.00} for TV. These were once again very different amounts from the months prior. I called once again and spoke to over a dozen people. I also spoke with two over XXXX XXXX XXXX chat online. I was told many different things from my bill was correct to my bill was incorrect but they wouldnt be able to credit my account and fix the changes until I paid the amount owed in full. I offered to pay the {$130.00} which is what I would have owed for two months at XXXX XXXX plus tax. The amount I agreed upon when signing up for services, but I refused to pay the whole amount, so all employees I spoke with refused to help. My services were shut off due by XXXX XXXX XXXX at the end of XXXX and I received another bill in the amount of {$220.00} at the beginning of XXXX. This amount was for the past due amounts with an adjustment of - {$55.00}. I terminated services officially in the middle of XXXX after speaking with another dozen or so people. I did not want to terminate services. I wanted to remain with XXXX XXXX XXXX XXXX so long as my bill was fixed and the amount was my contracted amount. I was forced to terminate services. The final bill I received was from XXXX on XX/XX/2017 in the amount of {$390.00}. This bill was for an early termination fee. A fee I should not have to pay due to the fact that XXXX XXXX XXXX promised services for an agreed upon amount of XXXX XXXX month plus tax and then billed me for different amounts every month of service. To date I owe {$220.00} to XXXX XXXX XXXX, which has since been sent to collections, and {$390.00} to XXXX, neither of which I feel are lawful amounts. The total amount comes to {$620.00} of which I only owe {$130.00}. I have been in contact with both companies over this past year in order to resolve the issue and I continue to be forwarded to different departments or told someone will call me back and then they do not. I have requested copies of not only my contract with XXXX XXXX XXXX and XXXX, but also the recording of the phone conversation where I signed up for services. I have been sent my contract for XXXX but they will not send me my contract for XXXX XXXX XXXX and they will not send me the phone conversation where I signed up for services. I am requesting you please look through my account to see the injustice and resolve the issue.
Company Response: Closed with explanation

Timely Response

2019-04-20

Quartzsite, AZ

Attempts to collect debt not owed

Debt collection: Other debt

Debt was paid
Complaint: I had XXXX XXXX XXXX XXXX for a few years. When we decided to move to another state I called XXXX XXXX XXXX and cancelled our internet on XX/XX/2018. I was informed that we need to return our equipment within 21 days. I received the box and shipping label and the next week took the equipment to a XXXX store and sent it out. This was the first week of XX/XX/2018. In XX/XX/2018 I recieved a letter I was being sent to collections for a total of {$160.00} for XXXX XXXX XXXX citing 'equipment wasn't returned '. I called and they opened up a case for me. In XX/XX/XXXX I recieved my collections letter. I called XXXX XXXX XXXX back and gave them my case number and she found that 'The equipment was in the warehouse the entire time. It was recieved in XX/XX/2018 ' So this was just a mistake on their part. A mistake that is ruining my credit! I XXXX a simple XXXX wrongfully sent me collections ' and found pages after pages of people going through the exact same thing.
Company Response: Closed with explanation

Timely Response

2019-04-19

Fort Lauderdale, FL

False statements or representation

Debt collection: Other debt

Attempted to collect wrong amount
Company Response: Closed with explanation

Timely Response

2019-04-18

South Florida, FL

Written notification about debt

Debt collection: Other debt

Didn't receive notice of right to dispute
Complaint: On XX/XX/2019, I became aware of a derogatory account listed on my credit report by Diversified Consultant for the balance of {$200.00}. A phone number was listed and I made contact with the company about the account. I informed them that I received no notice of this debt and the right to dispute it before it appeared on my credit report. The representative replied and stated they attempted to reach me on my cellphone and it was against their company policy to leave voicemails. With the amount of scam calls that I receive over the years, I typically don't answer numbers that I'm unfamiliar with unless I'm expecting a call. No formal notification through mail was ever sent out by this company.
Company Response: Closed with explanation

Timely Response

2019-04-18

Washington, DC

Attempts to collect debt not owed

Debt collection: Other debt

Debt is not yours
Company Response: Closed with explanation

Timely Response