Diversified Consultants, Inc

2018-09-20

Mae, WA

Other features, terms, or problems

Credit card or prepaid card: General-purpose credit card or charge card

Other problem
Company Response: Closed with non-monetary relief

Timely Response

2018-09-19

Troy, MI

Communication tactics

Debt collection: I do not know

Frequent or repeated calls
Company Response: Closed with non-monetary relief

Timely Response

2018-09-19

Bakersfield, CA

Attempts to collect debt not owed

Debt collection: Other debt

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

Timely Response

2018-09-19

PA

Communication tactics

Debt collection: Credit card debt

You told them to stop contacting you, but they keep trying
Complaint: Robo Calls are illegal. I have asked Diversified Consultants not to call any more. I will resolve the debt directly with the company the debt is for. Furthermore if someone calls me, I expect someone to be on the other end of the line.
Company Response: Closed with non-monetary relief

Timely Response

2018-09-18

Moncks Corner, SC

False statements or representation

Debt collection: Other debt

Impersonated attorney, law enforcement, or government official
Company Response: Closed with non-monetary relief

Timely Response

2018-09-18

Manhattan, NY

Attempts to collect debt not owed

Debt collection: Other debt

Debt was paid
Complaint: On XX/XX/2018, I submitted to the CFPB a complaint about Diversified Consultants, Inc. ( XXXX ). They attempted to collect an invalid, not owed, debt from XXXX XXXX. In response to complaint ID No. : XXXX : Diversified responded in a letter dated XX/XX/2018 : XXXX has closed the account and will conduct no further collection activity regarding this matter. XXXX has requested its entry be removed from your credit report. However, XX/XX/2018 resubmitted the same item that it stated it would conduct no further collection activity XXXX XXXX and XXXX, in direct contravention of its XX/XX/XXXX letter.
Company Response: Closed with non-monetary relief

Timely Response

2018-09-18

NY

Communication tactics

Debt collection: I do not know

Frequent or repeated calls
Complaint: Diversified consultants keep on calling saying it is urgent I call them back to settle debts. They never say what the dept is or give a name. I said multiple times to stop calling and pressed # 2 on my phone to indicate for them not to call back, but nothing works.
Company Response: Closed with non-monetary relief

Timely Response

2018-09-18

Garden City, CO

Attempts to collect debt not owed

Debt collection: Other debt

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

Timely Response

2018-09-18

CA

Written notification about debt

Debt collection: Other debt

Didn't receive notice of right to dispute
Complaint: To whom it may concern, Thank you for taking the time to read my comments and concerns. I am currently a XXXX XXXX customer of over 15 years in total dating back to the account that this letter pertains to. I am reaching out to the CFPB in the hope that they may assist me in finally reaching a resolution to my unique situation. My previous account was sent to collections on XX/XX/XXXX because there was a dispute on my behalf of the total charges of {$1800.00}. I was willing to pay the total amount due at the time but naturally, I needed a more detailed explaination from a Representative explaining to me how the bill became so high.I didn't receive enough information to verify debt. After several months of back and forth with my Unresolved matter and unanswered questions the account was sent to collections without me being aware of this action taken against me. If I knew that XXXX was going to send the account to collections I would have just paid the entire amount reluctantly.I didn't receive notice of my right to dispute. Fast forward to XX/XX/XXXX, I was contacted by a Collection Agency ( Diversified Consultants ) that is hired by XXXX XXXX that said they represented you as theyre client and as long as I secured payment with them in the form of a settlement for the amount of {$750.00} that they would notify XXXX and that my debt would be settled and all negative remarks removed/deleted from my account and credit reporting. Sounds good right? So I pay and Im under the impression that all is well. Fast forward some more to XX/XX/XXXX Im currently in the process of refinancing my home Loan and have been going through the steps with my lender. To my surprise I was notified that I still have XXXX XXXX showing as a collection on my credit report from a couple of years ago. The report shows that the account in question has been settled for less than full payment and the account has a zero balance but it has not been deleted/continuing to report. After calling XXXX XXXX customer service representatives numerous times last week and spending hours explaining my story to several people I have been unable to get this resolved. I dont know what else to do and if Im not able to refinance my mortgage payment with my lender ( XXXX XXXX ) XXXX XXXX , I could be in jeopardy of losing my home entirely. I feel there has been inaccuracies with This credit reporting from the beginning and I cant stress enough how important it is to my Family that I be able to have this resolved. Please please reach out to me somehow so that we can discuss this further. I appreciate you so much for reading this as I know you must have more important things to attend to.
Company Response: Closed with non-monetary relief

Timely Response

2018-09-17

Katy, TX

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

2018-09-17

TN

Attempts to collect debt not owed

Debt collection: Other debt

Debt is not yours
Complaint: The original account holder is XXXX XXXX. This account has already twice been sold to collections and both times the tradelines have been deleted when my disputes were found in favor of me the consumer. They have once again sold the account to another collection agency Diversified Consultants. This is not an owed debt in anyway. I have not had XXXX XXXX since 2013 and all equipment was returned. As i have said this account has already been disputed and deleted before and this is another attempt to collect debt that should not exist. If the tradeline is not deleted as the previous two attempts have been i will be forced to file a civil suit against Diversified Consultants and XXXX XXXX.
Company Response: Closed with non-monetary relief

Timely Response

2018-09-17

TN

Written notification about debt

Debt collection: Other debt

Didn't receive enough information to verify debt
Complaint: We were notified via XXXX that equipment had not been returned and failure to do so would result in collection. We were informed after we had already moved. We quickly found all equipment and sent it back via XXXX as per request from XXXX. That is the last we heard from them. We were not notified of cancellations fees or any other fees associated with terminating due to moving. Had we known we would have corrected this issue before they sent it to collections. Now it is hurting are ability to close the mortgage on our home.
Company Response: Closed with non-monetary relief

Timely Response

2018-09-15

MO

False statements or representation

Debt collection: Other debt

Attempted to collect wrong amount
Complaint: Diversified consultant is the name ( DCI ) I had them taken off my XXXX report, but all they did on my XXXX was change the name and date.they were under XXXX XXXX. In XX/XX/XXXX my son stayed at my house and had either XXXX/XXXX iam not sure because they changed there name on my credit file.it was never in my name it was in XXXX cone.after I had it removed it shows back on my credit report as a new connection inXX/XX/XXXX.iam like OMG this is so crazy to be able to do this to someone. Please look into this company because it has to be fraud.thank for any help I've tried for montha
Company Response: Closed with non-monetary relief

Timely Response

2018-09-15

San Antonio, TX

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

2018-09-15

Missouri City, TX

Communication tactics

Debt collection: I do not know

Frequent or repeated calls
Complaint: This collector keeps calling me 7 times per day since XX/XX/2018 and has never left a message nor has sent a debt validation letter showing where I owe a debt with them. This collector is in violation of the FDCPA laws and regulations, if they continue with these types of calls, I have phone records of each call placed and will be getting an attorney and taking legal action against them. This needs to stop and the constant calls are really stressing me out right now and this last call I just got 10 minutes ago has really gotten me fed up. Please let them know not to contact me ever again by phone
Company Response: Closed with non-monetary relief

Timely Response

2018-09-14

Carver, MA

Written notification about debt

Debt collection: Other debt

Didn't receive notice of right to dispute
Complaint: I have disputed this item with the credit reporting agency and they reported you confirmed the account as valid. I honestly do not believe to ever have any relationship with this collection agency or original creditor. Also there are several inaccuracies with this account the way it's reporting and that's a total violation of FCRA and FDCPA laws and regulations. In a good faith effort to resolve the matter amicably, I must demand proof of this debt, specifically the alleged contract or other instrument bearing my signature, as well as proof of your authority in this matter. Absent such proof, you must correct any erroneous reports of this past debt as mine. I am writing to request that you please provide the following information : 1. Please evidence your authorization under 15 USC 1692 ( e ) and 15 USC 1692 ( f ) in this alleged matter. 2. What is your authorization of law for your collection of information? 3. What is your authorization of law for your collection of this alleged debt? 4. Please evidence your authorization to do business or operate in this state. 5. Please evidence proof of the alleged debt, including the alleged contract or other instrument bearing my signature. 6. Please provide a complete account history, including any charges added for collection activity.
Company Response: Closed with non-monetary relief

Timely Response

2018-09-14

Rochdale, NY

Written notification about debt

Debt collection: Other debt

Didn't receive notice of right to dispute
Company Response: Closed with non-monetary relief

Timely Response

2018-09-14

Baltimore, MD

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

2018-09-14

Moapa, NV

Incorrect information on your report

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

Account status incorrect
Complaint: I recent had a n alert on my credit file that I had a collection account for Diversified Consultants. This was for an old XXXX bill for an old address that was suppose to have been cancelled. XXXX failed to cancel the service in XX/XX/2017 when i requested due to my family and I moving out of state for work. I just received another promotion at work and will be moving again, so instead of arguing over the old bill, i paid it after being assured that this would be taken off of my credit reports. I made the payment about a week ago and was told it would take 4-5 for the account to be removed from collections. Well today the account updated as paid, so I contacted XXXX again in reference to the collection account they sent to Diversified Consultants. I was again assure that this would be removed from my credit reports if I called up Diversified Consultants directly. I called Diversified Consultants and the rep told me that they will not remove the collection account, they will only update it. So after some back and fourth, I am back at square one. I have paid a bill that i should not have, because I did not owe it, however wanted it off my credit reports so I paid it anyway.
Company Response: Closed with non-monetary relief

Timely Response

2018-09-14

Grovespring, MO

Incorrect information on your report

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

Account status incorrect
Complaint: Good morning. DCI agreed to a settlement to remove an item from my credit report. I have paid the settlement amount but the company did not remove it from my credit report as agreed. I have contacted them multiple times.
Company Response: Closed with non-monetary relief

Timely Response

2018-09-13

Bremen, GA

Attempts to collect debt not owed

Debt collection: Other debt

Debt is not yours
Complaint: I first reached out to diversified consultants back in XX/XX/2016, asking them to provide me with the original contract with my signature, because this debt is not mine. They then in XXXX provided me with someones phone bill with my name name on it. I then advised them again in XXXX to please provide me with the information I requested and at this time I also advised them that there was no way this debt could be mine because I was in the va XXXX XXXX XXXX XXXX at the time the dates are listed on the phone bill provided. To this date I have not heard a response. This needs to be removed from my credit file.
Company Response: Closed with non-monetary relief

Timely Response

2018-09-13

Harsens Is, MI

Attempts to collect debt not owed

Debt collection: Other debt

Debt is not yours
Complaint: Diversified Consultants also known as XXXX has placed a collection on all three of my credit reports. They first sent me to a collection agency for the amount of {$240.00}. I responded with a letter and a copy of my receipt proving termination of services on XX/XX/XXXX. They continued to sell this so called debt to numerous collection agency 's and I continued to mail my letter and receipt. After two years it is now on my credit reports. I mailed my receipt and letter to credit bureaus they did nothing. XXXX continued to bill me for cable services after I personally returned equipment and terminated services and have a RECEIPT!
Company Response: Closed with non-monetary relief

Timely Response

2018-09-13

Thompsons Station, TN

Written notification about debt

Debt collection: Other debt

Didn't receive notice of right to dispute
Company Response: Closed with non-monetary relief

Timely Response

2018-09-13

AR

Attempts to collect debt not owed

Debt collection: Other debt

Debt was already discharged in bankruptcy and is no longer owed
Complaint: COLLECTOR KEPT CALLING MY CELL NO. ( XXXX ) XXXX OR ( XXXX ) XXXX OR ( XXXX ) XXXX OR ( XXXX ) XXXX AND CALLING TO COLLECT XXXX XXXX XXXX DEBT.
Company Response: Closed with non-monetary relief

Timely Response

2018-09-13

Shreveport, LA

Communication tactics

Debt collection: Other debt

Frequent or repeated calls
Complaint: I finally got InTouch with them and paid them in full. Now they refused to give me a letter or remove the debt off my credit report. Even send me a letter stating that I have paid the balance. They are unwilling to remove the item from my report. They are not in agreeance to delete it from my report. It's been over 40 days that it has been paid.
Company Response: Closed with non-monetary relief

Timely Response