Diversified Consultants, Inc

2018-10-17

Magnolia, TX

Written notification about debt

Debt collection: Other debt

Didn't receive notice of right to dispute
Complaint: On XX/XX/2015 I opened an account with XXXX. The account was supposed to be closed. I got a derogatory remark on XXXX credit report stating that this account got sent to collections. However, I was never notified about this debt and never received the bill. I would like to address this immediately and either pay off the debt or get this negative remark removed from my reports.
Company Response: Closed with non-monetary relief

Timely Response

2018-10-17

Magnolia, TX

Written notification about debt

Debt collection: Other debt

Didn't receive notice of right to dispute
Complaint: On XX/XX/2017 I opened an account with XXXX. A few months in the contract i lost my job and wasn't able to continue paying for the service, I call XXXX and notified them that I was moving and that i needed to return the equipment. I cancelled the service and return the equipment and they didn't mention anything about any payments. The account was supposed to be closed. I got a derogatory remark on XXXX credit report stating that this account got sent to collections. However, I was never notified about this debt and never received the bill. I would like to address this immediately and either pay off the debt or get this negative remark removed from my reports.
Company Response: Closed with non-monetary relief

Timely Response

2018-10-17

Dr Martin Luther King Jr, FL

Written notification about debt

Debt collection: I do not know

Didn't receive enough information to verify debt
Company Response: Closed with non-monetary relief

Timely Response

2018-10-17

Arco, CA

Attempts to collect debt not owed

Debt collection: Other debt

Debt is not yours
Complaint: On XX/XX/2018 I sent Diversified Consultant a Validation of debt letter to validate a collection that they have listed on my credit report under the FAIR DEBT COLLECTION PRACTICES ACT. Diversified Consultant Responded by sending me Itemized list of alleged charges they claim I owe and not what I ask to validate the debt. Diversified Consultant sent me a letter claiming they contacted the creditor and confirmed the data is correct. This does not meet the Federal Trade Commission guidelines of what constitutes proper debt validation. In my validation of debt letter with this company I ask for specific. The amount of debt ; Please provide me a verification of judgement if any ; Proof that they are licensed to collect debts in my state, and other specifics they could not or would not provide. I also notice Diversified Consultant was still reporting a collection on my credit report with out giving me a proper validation which is considered a collection activity which puts them in violation of the FCPDA. I called this company again to complain that this collection does not look like its mine but that continue to give me the run around. I have documented all conversation and my letters I have sent them and the credit bureaus. If this company continues to report this miss leading information than will leave me no choice but to seek legal advise.
Company Response: Closed with non-monetary relief

Timely Response

2018-10-17

Brooklyn, NY

Communication tactics

Debt collection: Other debt

You told them to stop contacting you, but they keep trying
Company Response: Closed with non-monetary relief

Timely Response

2018-10-17

Berkeley Lake, GA

Incorrect information on your report

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

Information belongs to someone else
Company Response: Closed with non-monetary relief

Timely Response

2018-10-17

Cupertino, CA

Attempts to collect debt not owed

Debt collection: Other debt

Debt is not yours
Complaint: I received 3 return packets from XXXX. I opened one and saw they were phone return packets. I found XXXX 's fraud reporting phone number and tried to contact them, but only received automated messages. ( XXXX XX/XX/2018 ) I went to XXXX store at XXXX XXXX, XXXX XXXX and told them of this fraudulent activity and asked to check the name as spelt on the envelope " XXXX XXXX '', note not same as my name. They could not find anything, and said they could take any fraud discovery or fraud report information. So I mailed back these packets with notes on Fraud activity. Later I complained on XXXX about collection agent hired by XXXX, and now an even more abusive collection has been hired by XXXX. ( Saturday XX/XX/2018 onwards ) I have been getting many calls from Diversified, and I told them that I have reached out to XXXX numerous times. But they still threatened me with consequences. Previous history below ( resolved with XXXX ) I checked the Fraud website on XXXX, and noticed it was too complicated, and asking me to reveal lots of personal information. While in the meantime I am not able to reach any human at XXXX. The web reports on Fraudulent department at XXXX were also bad.
Company Response: Closed with non-monetary relief

Timely Response

2018-10-16

Las Vegas, NV

Incorrect information on your report

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

Information belongs to someone else
Complaint: inaccurate information showing
Company Response: Closed with non-monetary relief

Timely Response

2018-10-16

PA

Communication tactics

Debt collection: Other debt

Frequent or repeated calls
Complaint: I was contacted by a collection agency regarding a collection account for XXXX utility company, an account not opened by me but by my mother without my permission. They would not let me dispute the claim even with all of the evidence to support that I didnt not open the account. I was aware of the address used on the account because I had lived there while in high school. The account was opened while I was away for college. I told them not to contact me, as my mother agreed to be responsible for the payment. They were given her contact info and told to contact her not me. For the past two weeks, they have called me everyday at XXXX. I answered one time and the man on the phone was trying to force me to pay after explaining the situation and telling him to contact my mother and not me.
Company Response: Closed with non-monetary relief

Timely Response

2018-10-16

Discovery Bay, CA

False statements or representation

Debt collection: Other debt

Attempted to collect wrong amount
Complaint: I had a cancellation fee that XXXX had wanted to charge me after I cancelled my cable in 2018. I spoke with the company on XX/XX/2018 and requested that the operator request to the manager that they waive my cancellation fee on the basis of being a long time customer. The operator mentioned they would do so and contact me back. XXXX never did follow up with me, and sold the debt to Diversified Consultants. I have paid it off, however now have a collections account on my credit report that is hurting my ability to access credit in the future, because of XXXX misrepresentation of what actionable steps they would take.
Company Response: Closed with non-monetary relief

Timely Response

2018-10-16

Mount Holly, OH

Communication tactics

Debt collection: Other debt

You told them to stop contacting you, but they keep trying
Complaint: The new company is called Diversivied Consultants calling on behalf of XXXX XXXX. I keep telling them that i didn't have XXXX and that they have the wrong person. They keep calling day and night. The balance is over 1400.00 and i pay my bills every month if this was my bill it would have been paid.
Company Response: Closed with non-monetary relief

Timely Response

2018-10-16

Martinsville, VA

Attempts to collect debt not owed

Debt collection: Other debt

Debt was result of identity theft
Complaint: This collection account from XXXX XXXX was placed on my credit in XX/XX/XXXX. XXXX never sent me written notification to dispute this debt. The month the account was placed on my credit, I immediately disputed the debt. I contacted the original creditor, XXXX XXXX XXXX, with XXXX on the phone on XX/XX/XXXX. While speaking with a supervisor that day, the supervisor was unable to verify the debt, despite the fact that diversified consultants stated they had already verified that account. They also informed me that this account had been delinquent since XX/XX/XXXX but had just been placed on my credit XX/XX/XXXX. I informed the representative at XXXX XXXX XXXX and at XXXX, that I did not owe this debt and the proper steps should be taken to correct this account. Since then nothing has been done. I have yet to receive my right to dispute from this company, or a fraud packet, which should have been sent to my mailing address once I informed both representatives that account is in a result of fraud. Since no action had been taken, I filed an initial complaint with the XXXX. When XXXX responded, they sent billing statements with no information other than my name and the amount owed. I have a current XXXX XXXX XXXX account, so I am fully aware of how the billing statements look. This statement was not itemized. It had no email address attached to it. XXXX XXXX XXXX stated this was a wireless account, but no wireless number was attached to it either. Also, this bill was drafted AFTER the account had reached collections. Nothing was sent prior to this account being placed on my credit account. I will continue to file complaints against this company, regarding this matter until this issue has been fully rectified.
Company Response: Closed with non-monetary relief

Timely Response

2018-10-16

Royal Palm Beach, FL

Written notification about debt

Debt collection: Other debt

Didn't receive enough information to verify debt
Company Response: Closed with non-monetary relief

Timely Response

2018-10-16

Calipatria, CA

Written notification about debt

Debt collection: Other debt

Didn't receive enough information to verify debt
Company Response: Closed with non-monetary relief

Timely Response

2018-10-15

Edison, NJ

Communication tactics

Debt collection: Other debt

You told them to stop contacting you, but they keep trying
Company Response: Closed with non-monetary relief

Timely Response

2018-10-15

Mc Allen, TX

Communication tactics

Debt collection: Other debt

You told them to stop contacting you, but they keep trying
Company Response: Closed with non-monetary relief

Timely Response

2018-10-15

Eight Mile, AL

Communication tactics

Debt collection: Other debt

Frequent or repeated calls
Complaint: They have called every day for Months several times daily. From different numbers. While am at work and even at night. Called 6 times in a row on day. XXXX XXXX XXXX XXXX provided horrible service. I have on record with them how much of problems I had with this system it's on for the termination of the contract that I owe, because no one informed me it was a 2 YEAR CONTRACT!!
Company Response: Closed with non-monetary relief

Timely Response

2018-10-15

MS

Attempts to collect debt not owed

Debt collection: Other debt

Debt is not yours
Complaint: Received a phone call from " XXXX '' with diversified Consultants asking me to pay a XXXX bill of over {$1000.00} that went delinquent last year. I informed him that I haven't had XXXX for 7-8 years and he hung up on me. I then called back and was told that since I said tat they had a wrong number they won't be calling back. I stated that if there were an account in my name I wanted to know where it was located and they then asked for the address. I said that I wasn't providing that information and wanted to speak to a manager. I was then placed on hold and " XXXX '' ( a different voice ) said that he was the supervisor and that sine i wouldn't provide an address and had told them they had a wrong number they would put me on a do not call list. I expressed several times that i wanted the address and was told that since I stated they had a wrong number they would be providing me someone else 's information and they weren't going to do that.
Company Response: Closed with non-monetary relief

Timely Response

2018-10-14

Ponce Inlet, FL

Attempts to collect debt not owed

Debt collection: Other debt

Debt was paid
Company Response: Closed with non-monetary relief

Timely Response

2018-10-14

AR

Took or threatened to take negative or legal action

Debt collection: Other debt

Threatened to turn you in to immigration or deport you
Company Response: Closed with non-monetary relief

Timely Response

2018-10-13

Oxford, GA

Attempts to collect debt not owed

Debt collection: Other debt

Debt is not yours
Complaint: I checked my credit and there is a collection from Diversified Consultants XXXX. XXXX XXXX XXXX FL XXXX. They didn't contact me in any way nor did they send me any correspondence via mail. It just appeared on my credit file on XX/XX/2018. I had this same issue 2 yrs ago with XXXX and it was deleted off my file once it was resolved due to no amount owed. I have sent them a certified letter to provide me with the original contract with my signature on it to validate this claim. This is required per the FCRA to report on my file or it's a violation of my Federal Right. Sec. 609 ( A ) ( 1 ) ( a ) and 611 sec. ( a ) ( 1 ) ( a )
Company Response: Closed with non-monetary relief

Timely Response

2018-10-12

Bee Spring, KY

Attempts to collect debt not owed

Debt collection: I do not know

Debt is not yours
Company Response: Closed with non-monetary relief

Timely Response

2018-10-12

Little River, SC

Written notification about debt

Debt collection: I do not know

Didn't receive enough information to verify debt
Company Response: Closed with non-monetary relief

Timely Response

2018-10-12

Wann, OK

Communication tactics

Debt collection: Other debt

Used obscene, profane, or other abusive language
Complaint: The situation of focus that occurred was a phone call on XX/XX/2018 at approximately XXXX XXXX and was in regards to a debt with XXXX XXXX XXXX XXXX. When the incident occurred I received a phone call from a debt collection agency called Diversified Consultants XXXX ( XXXX ) XXXX. Once I answered this phone call a female representative began to recite the dialogue explaining that this was an attempt to collect a debt etc. They have a job to do and I completely understand, after finishing I explained to her that I spoke to someone from Diversified Consultants two days prior and had explained that I was disputing the debt and was currently discussing this with XXXX XXXX XXXX. At this point the female representative began to denigrate and chastise me. Every time I tried to explain the situation, she just became angrier. Bottom line, no one is probably going to read this, and if by some miracle this is read, there is probably nothing that can be done. But, simply put, this lady chewed my XXXX out over and over again for quite some time. I immediately called back and requested to speak with a manager, which I did and explained the situation. He reassured me that everything would be handled etc, and he said it all in a tone and manner that said, XXXX off I deal with this everyday. My point is this, I have looked on the internet and talked to several people and mine is not an isolated incident, this is a systematic and deliberate tactic and approach towards the numerous accounts that they are contacting on a daily basis. It is very clear to me that this behavior is an institutional norm and that far from being tolerated, is actually encouraged. In short, this is wrong and I realize that some of what I just said are opinions and not based in fact, but if the stated goals of the Consumer Financial Protection Bureau are things that are adhered to, then this company should be investigated, so that the abusive practices acted on by this company and its employees can be discovered and ultimately halted. All of this is important, because the culture which permeates the facilities in which Diversified Consultants ( Abbreviated DC henceforth ) employees work. This " culture '' is one where verbally abusing the people that you contact is completely justified and an acceptable practice. But, leaving the decision to resolve this and also just how to do it will obviously result in this whole thing coming to nothing. A debt collection company has no vested interest in promoting the least bit of professionalism and courtesy towards those which it collects debts from, because they are not the company 's customers and therefore how these people are treated is absolutely of no concern to them. But, there something of note for all involved, including DC if they happen to be reading this. Interestingly enough when speaking to the representative at XXXX XXXX XXXX XXXX, I passingly informed he/she of the, well to put it kindly " negative '' incident. When doing so, I was informed that XXXX XXXX XXXX representatives receive a number of complaints like mine in regards to DC. Also I was informed about the fact that knowledge of these complaints is widespread among XXXX XXXX XXXX employees, and that those whose job it is to speak with and assist customers know how DC employees are treating people. I apologize for this being so long, but this has been an unrealistic attempt to try and describe the incident that occurred with me and others in a way that doesn't make YOU, the person reading this think, " why is this guy so upset? So, someone was rude to him, get over it ''. Because, the whole thing was highly offensive and even more so when I realized that the person whom you are supposed to talk to at Diversified Consultants when there is a problem has just as much contempt for you as the person about whom you are complaining. Lastly, speaking with others and reading about the experiences of others might not be enough proof to condemn DC, but it is certainly adequate to inquire about the possibility that these are not isolated and circumstantial events. Lastly, again I realize there is scant chance of this ever being read, and it is even less likely that anything will be done. But, if you are the someone who took the time to read this, let me take a moment to thank you very much for doing so and praise you for your value in laboring towards the noble and ideal goals of the CFPB. Thank you so much and try to have a wonderful day! P.S. If this does in fact go nowhere, I do sincerely appreciate your time and for at least hearing things out.
Company Response: Closed with non-monetary relief

Timely Response

2018-10-12

Bridgeport, CT

Took or threatened to take negative or legal action

Debt collection: Other debt

Threatened or suggested your credit would be damaged
Complaint: I sent a letter to diversified consultants to dispute a debt that they claimed that I owe them. They sent me back a bill with my name on it from XXXX. This bill had my name on it but no proof of signature. I asked them to verify that the bill was mine and the company didn't respond. They were given their 30 day grace period to mark the collections account as disputed, which they failed to do. The company had also dropped off of my credit report and returned back on without any validation of verification.
Company Response: Closed with non-monetary relief

Timely Response