Diversified Consultants, Inc

2018-07-19

Casa Blanca, CA

False statements or representation

Debt collection: Other debt

Attempted to collect wrong amount
Company Response: Closed with non-monetary relief

Timely Response

2018-07-19

San Jacinto, CA

Written notification about debt

Debt collection: Other debt

Didn't receive enough information to verify debt
Complaint: XX/XX/XXXX I received a letter from Diversified Consultant Inc demending to pay {$17000.00} dollars, this money is from XXXX XXXX XXXX account was closed in XX/XX/XXXX inn XX/XX/XXXX my XXXX XXXX XXXX XXXX XXXX contract expired, I haven't received any information from XXXX XXXX XXXX that my contract expire and in XX/XX/XXXX XXXX XXXX XXXX send me a bill of {$18000.00} I called them and spoke with a XXXX XXXX XXXX represent she told me go ahead and pay the {$180.00} and within the next month you will see on your next bill credit and adjustments so I pay the XXXX dollars bill i received the XX/XX/XXXX bill nothing has been change the bill was keep incresing so I called XXXX XXXX XXXX and ask them if can we agree on the same price as I had before when I had the contract the XXXX XXXX XXXX represent told me yes and he gave me a confirmation nr so I started to pay {$120.00} a month for the XXXX XXXX XXXX XXXX XXXX, few days later XXXX XXXX XXXX called me and the representative told me that they will give me credit and I will send the adjustments in my bill, XX/XX/XXXX I received the bill without adjustments, I still payed for that month {$120.00} XX/XX/XXXX still no adjustments on my bill I payed {$120.00} in XX/XX/XXXX I cancel my XXXX XXXX XXXX XXXX XXXX account I send they're equipments, in XXXX I received a bill of {$17000.00} I called XXXX XXXX XXXX and ask them about the bill been told by a XXXX XXXX XXXX employee that they haven't received the equipment, been transfer to a different department been told that they received the equipments and if anything they will send me a letter I haven't received any letter from XXXX XXXX XXXX .Diversified Consultants send me the letter in XXXX XXXX about this XXXX XXXX XXXX XXXX XXXX that was in collections the next day I called Diversified Consultants I ask them for debt of validation, they told me to writer an email so I wrote Diversified Consultants an email requesting a debt of validation they responded with an email that they will look into my request and will send me a letter In the same day when they send me the collection letter XXXX XXXX Diversified Reported this XXXX XXXX XXXX account to the credit bureau How unfair How dishonest is Diversified they haven't show prove that I owe the debt or a chance for me to solve this matter without being on my credit file .I called XXXX they told me " You Desired To Go This Route Know You Pay For It " I called XXXX XXXX XXXX spoke with a representative and told them how this account end up in collection she did not wanted to give me details she just told me if you pay this account will be removed from collection so I give her my bank account numbef, routing number and I payed the {$17000.00} because I did not want this account to be on my credit file I'm in a middle of refinance my mortgage to lower my monthly payment so I can afford buying lunch for my kids iXX/XX/XXXX when XXXX XXXX XXXX represent told me that I owe XXXX money on this account been told that they going to send me via email confirmation number and also via XXXX letter. After a few days I called XXXX XXXX XXXX to see why I haven't received the email Been told my bank canceled the payment transaction he told me called your bank and ask them why the trasaction has been canceled, I drove to the my bank and ask to speak with the manager she told me bank will never do such a ting unless no funds available, funds were available How can you do business with dishonest people This is unfair
Company Response: Closed with non-monetary relief

Timely Response

2018-07-18

Allentown, PA

Took or threatened to take negative or legal action

Debt collection: Other debt

Threatened or suggested your credit would be damaged
Complaint: This account is going from one debt collectors company to another and is damaging my credit. This is not my account, account belongs to my ex-wife and I did not authorized for this account to be open under my name. If you ask me for documentation I will provided you with a copy of the contract and you will see is not even sing by me. Last year this account was transfer to XXXX XXXX and now is with DIVERSIFIED CONSULTANTS INC, I contacted XXXX XXXX by mail and XXXX and I have copies of those letters.
Company Response: Closed with non-monetary relief

Timely Response

2018-07-18

Columbus, OH

False statements or representation

Debt collection: Other debt

Attempted to collect wrong amount
Company Response: Closed with non-monetary relief

Timely Response

2018-07-18

Long Beach, CA

Incorrect information on your report

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

Account information incorrect
Complaint: On XX/XX/2018 I noticed that Diversied consultants had put an account on all 3 credit reports from XXXX XXXX XXXX in the amount of {$200.00}. The account says open. This information is incorrect and not true. I contacted the company to let them know about the inaccurate account that they had put on my credit reports. The issue didnt get taken care of.
Company Response: Closed with non-monetary relief

Timely Response

2018-07-18

IN

Written notification about debt

Debt collection: Other debt

Didn't receive notice of right to dispute
Complaint: I received an updated copy of my credit report to find out that Diversified Consultants Inc. reported that I owe {$140.00} for XXXX when this account has already been proven that I do not owe it. I do not owe XXXX and the account was removed not once but three times by all credit bureaus in XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX. This account was sold to two ( 2 ) different collection agencies and none of them had proven the debt. XXXX then resold the debt to Diversified Consultants who assumed the new right to collect. Diversified Consultants posted a collection to all three credit bureaus for a debt of {$140.00}. The posting states that this is an active collection opened XX/XX/XXXX. Prior to this account appearing on my report, I did not receive a 30-day notice of my right to dispute. By reporting this debt on my report without providing this notice, Diversified has violated my federal right, as protected under the Fair Debt Collection Practices Act.
Company Response: Closed with non-monetary relief

Timely Response

2018-07-17

Okc, OK

Took or threatened to take negative or legal action

Debt collection: Other debt

Threatened or suggested your credit would be damaged
Complaint: We have not had XXXX since XX/XX/XXXX, they are saying we opened account with XXXX on XX/XX/XXXX for the amount of {$100.00}.
Company Response: Closed with non-monetary relief

Timely Response

2018-07-17

Key Biscayne, FL

Communication tactics

Debt collection: Other debt

Frequent or repeated calls
Complaint: This complaint is two-fold. The company, DIVERSIFIED CONSULTANTS has a collection account that is reported with XXXX, XXXX, and XXXX with the amount of {$3100.00}. The company, DIVERSIFIED CONSULTANTS with the account number XXXX has " re-aged '' the debt to make it appear I opened an account with them in XX/XX/2018. The company is reporting my account as if it was opened with them on XX/XX/2018. The account is an old XXXX account. They are reporting incorrect information that is affecting my credit. In addition, I have not received any written correspondence from them in order to resolve the issue since XXXX. They have called me several times at my place of employment. I have notified them to not call me during work hours, as I am a XXXX XXXX XXXX who is legally obligated to provide XXXX XXXX services to the XXXX I service. Each time they called, I informed them that I am at work. They have not sent any written correspondence at all to resolve the issue.
Company Response: Closed with non-monetary relief

Timely Response

2018-07-17

Cordova, TN

Took or threatened to take negative or legal action

Debt collection: Other debt

Threatened or suggested your credit would be damaged
Complaint: I am filing this complaint becasue Diversified Consultant Inc is attempting to collect a deby they are not legally able to collect and have reported it illegally to my credit report. I sent this company a letter asking for VALIDATION or PROOF that I ever signed a binding contract with them, but they responded with a letter stating that they validated the account with XXXX. Legally, my contract would be with XXXX and not Diversified Consulatnats Inc, and per FCRA, they are obligated to remove their negative account from my credit report. I will be sending a second letter fiving them another chance to properly validate this account with me and not with their third party client.
Company Response: Closed with non-monetary relief

Timely Response

2018-07-17

Staten Island, NY

Written notification about debt

Debt collection: Other debt

Didn't receive enough information to verify debt
Complaint: Several months ago I received a phone call from a collection agency on behalf of XXXX XXXX XXXX to collect an outstanding cell phone bill. I requested a breakdown of charges because I felt I was being over charged. The collection agency tried to correspond with XXXX XXXX XXXX and never got a response so they released the debt. I never received any correspondence from XXXX XXXX XXXX or debt collection agency after that. Until, upon checking my credit report saw that it had been reported as derogatory by this new debt agency Diversified Consultants. I found their contact info online and contacted them, as well as XXXX XXXX XXXX, only to find out the reason I never was contacted by diversified is because they had the wrong mailing address. They assumed I was not going to respond to them so they reported me as derogatory to the credit agencies. I explained to them that it would be impossible to pay them not knowing who was holding the debt. Its unfair that I only find out because it is on my credit report. Both diversified and XXXX XXXX XXXX refused to accept responsibility that they both had incorrect mailing information.
Company Response: Closed with non-monetary relief

Timely Response

2018-07-17

Camden, NJ

Communication tactics

Debt collection: I do not know

Frequent or repeated calls
Complaint: Starting onXX/XX/18 up till today ( and perhaps after as well- ) XX/XX/18, I have received frequent and at varied times phone calls from these " debt collectors ''. They have yet to clarify as to what is owed, and although they persist in calling there are times where when picked up the line is " dead ''. The only way I even realized this was a debt collection agency was by XXXX the phone number and a website came up for, " Diversified Consultants. '' From what I have gathered they specialize in debts related to services such as Cable, or Cell Phone bills. Two things in which I have no hold upon, I have student loans, and credit cards, and that is it. Regardless, I am very aware of any debt I owe and I pay everything with precision. To now have this random number contact me and without any clear answer as to why is very frustrating.
Company Response: Closed with non-monetary relief

Timely Response

2018-07-16

Shenandoah, TX

Attempts to collect debt not owed

Debt collection: Other debt

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

Timely Response

2018-07-16

Talladega, AL

Attempts to collect debt not owed

Debt collection: Other debt

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

Timely Response

2018-07-16

Conroe, TX

Attempts to collect debt not owed

Debt collection: Other debt

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

Timely Response

2018-07-15

South Haven, MI

Written notification about debt

Debt collection: Other debt

Didn't receive enough information to verify debt
Complaint: I SENT A CERTIFIED LETTER ASKING FOR VERIFICATION FOR A COLLECTION ACCOUNT NAMED XXXX XXXX XXXX XXXX XXXX XXXX XXXX WA, XXXX, IN THE AMOUNT OF {$390.00}, THEY ARE REPRESENTING XXXX THIS IS REPORTING ON MY CREDIT BUREAU 'S AND IT WAS DELIEVERED AND SIGNED FOR BY THE COLLECTION COMPANY ON XX/XX/18. I HAVE NEVER RECIEVED ANY TYPE OF VERIFICATION BACK NOR HAS A NOTICE OF DISPUTE BEEN PLACED ON MY CREDIT REPORTS. I WANT THIS COLLECTION ACCOUNT DELETED PERMANTELY WITH THE ORIGNAL COMPANY AND THE COLLECTION AGENCY. THEY ALSO ARE NOT REPORTING THE ENTIRE ACCOUNT NUMBER, ONLY A FEW DIGITS, FOLLOWED BY ASTRICKS/STARS. THIS IS A VIOLATION OF THE FOLLOWING : -NOT REPORTING ENTIRE ACCOUNT NUMBER IS A VIOLATION OF SECTION 609 OF FCRA , SECTION 623 ( A ) ( B ) ( 3 ) AND/OR THE FAIR DEBT COLLECTION PRACTICIES ACT SECTION 807 ( 8 ) BY NOT PLACING THE DISCLOSURE WITHIN THAT REQUIRED 30-DAY PERIOD.
Company Response: Closed with non-monetary relief

Timely Response

2018-07-13

Tucson, AZ

Communication tactics

Debt collection: Other debt

You told them to stop contacting you, but they keep trying
Complaint: The debt collector name is XXXX XXXX. She is a debt collector representing Diversified Consultants. This morning at XXXX there was a call who came in with no company name and had a XXXX number. A family member at home answered woke me up and a woman started talking after I said hello. Gave her company name and possibly hers, not too sure. She didnt confirm if I was The debt holder she just started talking about my debt assuming I was the correct debt holder. She also was almost demanding I put a CC on file to make payments towards a debt I could not afford. I told her 4 maybe 4 times, I had to raise my voice after she got demanding. She got aggressive and said she didnt even know if I was the debt holder because I sound like a woman. I said my name and its me and she then said now you sound like a guy or something in that nature. The fact that she didnt confirm if I was The debt holder and just started talking about my debt makes me feel like my identity with this debt collector isnt safe. Example. What if I was a man transitioning Into a different XXXX XXXX? What if I had a voice malformality that could make me sound like a woman or even worse what if they had called the wrong number and she released my debt information to complete stranger. The problem is the disrespectful, abusive tactics and not verifying who i am is wrong! She put me on hold and said foul things about me because little did she know I could hear! She wanted to hang up on me and not give me her supervisor when I asked. She escalated the situation into it now possibly turning into a legal situation. This is a violation of my rights under the FCRA, FDCPA, FTC and I want a complain filed and the Agency Diversified Consultants, the debt collector XXXX XXXX need to be held responsible. The supervisor I spoke to at the end said she would listen to the recording in order to discipline her but I informed her Im reporting this anyways.
Company Response: Closed with non-monetary relief

Timely Response

2018-07-13

Atlanta, GA

Attempts to collect debt not owed

Debt collection: Other debt

Debt was paid
Complaint: XXXX has reported a collection item on my credit report that is not a valid debt to them. In fact, XXXX assured me my account was corrected in XX/XX/XXXX via phone, and I was surprised to see a collection item on the credit report through XXXX XXXX. The context for the issue is that in XX/XX/XXXX, I contacted XXXX advising I would be moving from XXXX, GA to XXXX, GA in a new neighborhood, and I wanted to find out if they could transfer my service. I was told the review would take approx 7 business days and then I would have answer. The rep told me my ticket number was XXXX. I was told if XXXX was not able to move my service, they would cancel my account and not charge any early term fees. I moved into my home on XX/XX/XXXX and checked on the status. XXXX had lost the request, then they said it would take longer than a week. It ended up taking until XX/XX/XXXX before I got a response. In the meantime, while XXXX was trying to figure out whether they could move my service, they were charging me monthly for a cable service I could not even use. When I finally got the answer in late XXXX, I was told to turn in my equipment so that they could close my account. I made payments which should have brought my account to XXXX and was still charged even more money. I spoke to a representative in XXXX who assured me the account would be credited and my bureau would be updated. The representative also told me there were notes on their system of record confirming everything I was relaying to her. As of XX/XX/XXXX, it appears as though they may have credited my account, but my credit bureau still reflects a collection item which is impacting my score. I want XXXX to make sure my account is closed with a XXXX balance, and to make sure the credit bureau collection item is removed promptly.
Company Response: Closed with non-monetary relief

Timely Response

2018-07-13

Gary, IN

Attempts to collect debt not owed

Debt collection: Other debt

Debt is not yours
Complaint: I've contacted this company ( DCI ) 3 times by mail to get them to validate said debt and each response from them has not been a contract but a old phone bill from sprint. I did not contract nor promise them anything. I don't know or owe this company and they refuse to remove this negative account from my credit reports from all 3 bureaus.
Company Response: Closed with non-monetary relief

Timely Response

2018-07-13

Aurora, CO

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

2018-07-12

Pasadena, CA

False statements or representation

Debt collection: Other debt

Attempted to collect wrong amount
Company Response: Closed with non-monetary relief

Timely Response

2018-07-12

South Florida, FL

False statements or representation

Debt collection: I do not know

Attempted to collect wrong amount
Complaint: I had an account with XXXX XXXX XXXX that was placed for collection with Diversified Consultants Inc. ( DCI ), The file number is XXXX. I recently paid the outstanding balance but have been unable ( after speaking with five or six different employees at DCI ) to be able to obtain a release of the debt. I have contacted them daily in an effort to obtain the release without success. I have a closing on the purchase of a home that is being affected by this and need help to get the matter resolved. The debt was under my wife 's name ( XXXX XXXX ) but I was also listed on the account ( XXXX XXXX ). Can you help me obtain my release so I can close on our home? Thanks in advance.
Company Response: Closed with non-monetary relief

Timely Response

2018-07-12

Seneca, SC

Attempts to collect debt not owed

Debt collection: Other debt

Debt is not yours
Complaint: The company Diversified Consultants sent a letter saying that I owed a debt and that I had a certain amount of time to respond before reporting to credit bureau. I responded with a validation of debt letter. They sent me a one page statement allegedly from the phone company. This alleged bill had my name as well as someone else 's name. I have never shared a phone bill account with anyone. This statement did not verify this debt belonged to me.
Company Response: Closed with non-monetary relief

Timely Response

2018-07-12

South Florida, FL

Attempts to collect debt not owed

Debt collection: Other debt

Debt is not yours
Complaint: I was checking my three credit bureaus reports on XX/XX/2018 and noticed a tradeline unknown to me listed as collections. Company : DIVERSIFIED CONSULTANTS , INC . To challenge the reporting and compliance on listed account that is being reported on my credit report with incorrect/missing info. Data that appears on terminal screens to credit bureaus centre and collection agencies operators may have masking dynamically applied based on user security permissions. Not based on consumer reporting.This improper procedure is highly damaging to any consumer. Also I am very litigious in small claims court and forwarding today in contacting DEPARTMENT OF BANKING to investigate DIVERSIFIED CONSULTANTS , INC . for FDCPA, FCPA also FCRA.
Company Response: Closed with non-monetary relief

Timely Response

2018-07-12

Desoto, 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

2018-07-12

Quartzsite, AZ

Attempts to collect debt not owed

Debt collection: Other debt

Debt was result of identity theft
Complaint: A person opened a XXXX account and ran up a bill of # XXXX. It was opened in XX/XX/2018 and closed in XX/XX/2018. The collection agency Diversified Consultants ( XXXX ) in Florida reported the account in collections to XXXX which immediately lowered my credit score by 100 points. I filed dispute paper work with XXXX 3 weeks ago and they have done nothing to resolve the problem. The account number is XXXX XXXX. The address that opened the account is ( XXXX XXXX XXXX, XXXX, CA XXXX ).
Company Response: Closed with non-monetary relief

Timely Response