Diversified Consultants, Inc

2018-05-14

Sharon, WI

Communication tactics

Debt collection: Other debt

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

Timely Response

2018-05-14

Ocklawaha, FL

Written notification about debt

Debt collection: Other debt

Didn't receive notice of right to dispute
Complaint: I just want this removed from credit report. they continued to harras me so I paid it even though it was not mine. I just want it removed. when I paid them they stated it would come right off ... never did
Company Response: Closed with non-monetary relief

Timely Response

2018-05-13

Patterson, MD

False statements or representation

Debt collection: Other debt

Attempted to collect wrong amount
Complaint: In XX/XX/XXXX I placed an order for a phone at a local XXXX Store. I stipulated it must arrive within 2 days as I was leaving the country for an indefinite period of time. The rep lied directly to my face saying it would arrive in two days, it did not. I was strung along for a full week and a half saying I could not cancel the order. I purchased another phone on the XX/XX/XXXX and was told the phone I ordered would be returned once it arrived in the store. The ordered phone arrived on XX/XX/XXXX, one day after I departed the country. A store employee took the phone and sold it/stole it and assigned the phone to my account and changed my plan without my consent to fit usage I could not use ( XXXX service can not be used in XXXX ). Someone else at XXXX used my credit card to charge and then remove the device from my account in late XXXX which resulted in my credit card being frozen for several days over security concerns ( I could not physically be in 2 countries at one time so they suspected fraud ). For the next 2 months I was billed for the stolen phone and extra services. I finally had the phone removed from my account in XX/XX/XXXX. I returned to XXXX on XX/XX/XXXX. My phone was shut off due to non-payment on XX/XX/XXXX as I was not paying the bill until the investigation into the theft and misuse of my credit card by XXXX was finished. I did not return to the US until XX/XX/XXXX. XXXX tried to bill me for the two months my service was shut off as well as plan charges I was not using, making the bill {$2200.00} or so. Over the summer I managed to speak to a rep via email after a complaint to the NY State Attorney General and your organization to have charges removed. This bought the total down to {$1300.00}. I was back in XXXX at the time and the rep requested I get a police report filed about the in-store theft which due to my location I could not complete. Nonetheless this issue was put on hold. When I returned to the United States late in XXXX I noticed a collection agency ( XXXX operated ) contacted me via mail to attempt to collect an amount of {$2200.00}. The charge then showed up on my credit report inspite of my attempts to have the NYAG mediate the debt collection process and my request for slow payment options as I could not afford to pay off all at once and did not want a settlement. I began to correspond again with XXXX and they went back on their word and tried to collect the {$2200.00} amount, half of which are/were erroneous charges. I complained again to the FTC and in response they filled another collection action through another debt collection organization which further impacted my credit. They appear to be doing this with malicious intent as the NYAG recommended I sue them but I was not/am not in the country long enough nor have the means to sue them. I am a new parent raising a child abroad and they are taking advantage of my being in and out of the country to do as they please and thus ruin my credit. I am asking that this item be removed from all credit reports and that I be granted the option to pay off the debt at my own pace, considering the criminal activities by their own employees they sought to sweep under the rug.
Company Response: Closed with non-monetary relief

Timely Response

2018-05-13

Smyrna, SC

Communication tactics

Debt collection: Other debt

Frequent or repeated calls
Complaint: I receive calls from Diversified Consultants five to six times a day almost every day of the week. I have requested that they discontinue all calls as a result on several occasions but they just increased after the conversation.
Company Response: Closed with non-monetary relief

Timely Response

2018-05-12

Centreville, IL

Attempts to collect debt not owed

Debt collection: Other debt

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

Timely Response

2018-05-12

Greggton, TX

Written notification about debt

Debt collection: I do not know

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

Timely Response

2018-05-12

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

2018-05-11

Andover, MA

Attempts to collect debt not owed

Debt collection: Other debt

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

Timely Response

2018-05-11

Jacksonville, FL

Took or threatened to take negative or legal action

Debt collection: Other debt

Threatened or suggested your credit would be damaged
Complaint: XXXX charged me for In Home Service XX/XX/XXXX. It wasn't In Home, it was Outside, which is XXXX 's Responsibility. I have a hand written note from the Tech stating can't deliver new cable signal under the driveway, Service cancelled and monthly amount auto paid in full throughXX/XX/XXXXuntil service cutoff. I was never contacted by XXXX or Diversified. I have a XXXX XXXX Account and got an alert around XX/XX/XXXX that a negative report had dinged my score by 100 POINTS! Diversified Consultants had made a negative report against my credit to all 3 agencies for an erroneous past due balance from XXXX for {$190.00}. The minimum amount that can be reported is {$100.00} and the charge is fabricated and piled on by fraudulent interest charges. Diversified has literally thousands of complaints and bad reviews online and I won't even get into how I feel about XXXX.. These bottom feeders used the negative credit report in retaliation to try and flush me out and frighten me into paying an erroneous past due bill. This is a clear violation of the Fair Credit Reporting Act by both XXXX and their hired henchmen, Diversified. They need to be brought to task for these kinds of tactics. They should be punished to the full extent of the law and have their licenses revoked. I have registered disputes with all 3 credit bureaus, XXXX XXXX and have alerted all my creditors. XXXX has already removed the negative report. However, that does not undo the damage already done. It will take months to get the 100 points back. I'm self employed and this makes it next to impossible to run my business. I want these people punished. I'm seriously considering hiring an attorney because there are clear damages. Thank you, I appreciate any help you can offer me.
Company Response: Closed with non-monetary relief

Timely Response

2018-05-11

Arlington, CA

Attempts to collect debt not owed

Debt collection: Other debt

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

Timely Response

2018-05-11

Jupiter, FL

Communication tactics

Debt collection: Other debt

Called before 8am or after 9pm
Complaint: According to Diversified Consultants, Inc my account was received on XX/XX/XXXX from XXXX, as of today XXXX has informed me that my account is over 300 days old. This is a balance that I was unaware of after I had returned the equipment at the XXXX store in XXXX, Florida. I was notified of a balance with XXXX until XX/XX/XXXX with Diversified Consultants , Inc . According to XXXX my account was delinquent as of XX/XX/XXXX. I would like to know where my account was during this time period? On More important I am very upset with the way my account has been handled with Diversified Consultants, Inc. On XXXX i have contacted you all to set up a payment arrangement of {$80.00} on the 2nd of every month while I figure out where the balance came from. I was assured that I would not be sent to collects with a payment arrangement, GREAT. On XX/XX/XXXX i realized that my card had been compromised so I contacted XXXX, they informed me that it would take 7-10 business days for me to received my card in the mail. I spoke with XXXX XXXX on XX/XX/XXXX and informed her that my card had been compromised so it may not go through she told me dont worry she will make notes on the account and I have until next month to call with the new card number. When I called Diversified Consultants, Inc on XX/XX/XXXX I spoke with a XXXX XXXX he informed me that he wasnt sure why my account was sent to collections and there was nothing he could do but that the payment arrangement was deleted because of a declined payment. I was not told this when I called in on XX/XX/XXXX. XXXX went on to transfer me to a supervisor whom apparently didn't make any notes in the system on XX/XX/XXXX who told me that there was nothing he could do and because of other people that dont care to pay there account they sent the account to collections. As of today it has only been 8 days .... I received my card last night when I got home from work. The supervisor that I apparently spoke to went on to forward me to XXXX XXXX in the compliance department and he informed me that my card wasnt ran for the payment for the 2nd however it looks like I had requested the delete the entire payment arrangement .... absolutely not I had informed XXXX that I would call back with an alternative payment method as soon as I got the card but to keep the arrangement. He told me that once they have an account for 45 days it goes to collections. It had only been 27 days from XX/XX/XXXX when they got the account that I set up the arrangement. I had two successful payments prior to my card being compromised. I only had 8 days since my payment due date passed and that with notification. XXXX XXXX said Diversified Consultants, Inc do not leave voicemails but the computer calls and they called XXXX on XX/XX/XXXX. I have a XXXX year old that I drop off at that time and their school has no service, a voicemail would be nice especially for client that are attempting to pay off a balance. After my last phone with XXXX ( XXXX XXXX refused to give me XXXX last name ) she informed me that XXXX XXXX noted on the account that I would be calling with a new card number and mentioned me having a month, this was noted on the account but she can't speak on behalf of that representative.
Company Response: Closed with non-monetary relief

Timely Response

2018-05-11

Warrenton, VA

Communication tactics

Debt collection: I do not know

Frequent or repeated calls
Complaint: Contacts and harrass family members and employers. The debt has been written off by the initial creditors and this new company Diversified Consultants is trying to collect. Their phone number is XXXX
Company Response: Closed with non-monetary relief

Timely Response

2018-05-10

Sunnyvale, CA

Attempts to collect debt not owed

Debt collection: Other debt

Debt was result of identity theft
Company Response: Closed with non-monetary relief

Timely Response

2018-05-10

Ridley Park, PA

Attempts to collect debt not owed

Debt collection: Other debt

Debt is not yours
Complaint: I do not have an account with diversified consultants I am not liable for this debt with XXXX I am not responsible for the debt
Company Response: Closed with non-monetary relief

Timely Response

2018-05-10

Birmingham, AL

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

2018-05-10

Atl, GA

Communication tactics

Debt collection: Other debt

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

Timely Response

2018-05-10

Scottsdale, AZ

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
Complaint: Hello diversified consultants continually failed to verify accounts on my credit report. I have asked for accounts to be verified nth diversified consultants has never responded to me. So how is expert an verifying this information. According to her phone call I had with a XXXX rep they count on the company to verify this info. That it self is wrong and against the law. According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), you are required by federal law to verify -through the physical verification of the original signed consumer contract -any and all accounts you post on a credit report. Otherwise, anyone paying for your reporting services could fax, mail or email in a fraudulent account.
Company Response: Closed with non-monetary relief

Timely Response

2018-05-10

Agua Caliente, CA

Attempts to collect debt not owed

Debt collection: Other debt

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

Timely Response

2018-05-09

Sarasota, FL

Attempts to collect debt not owed

Debt collection: Other debt

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

Timely Response

2018-05-09

San Buenaventura, CA

Written notification about debt

Debt collection: Other debt

Didn't receive enough information to verify debt
Complaint: XXXX, XXXX posted the debt of XXXX originating from XXXX XXXX. The debt was removed from all reports in XX/XX/2018. XXXX then resold to Diversified Consultants who assumed the new right to collect. Diversified Consultants posted a collection to both my XXXX and XXXX credit reports for a debt of XXXX. The positing states this is an active collection opened XX/XX/18. No verification of debt was received 60 days after the negative posting.My address is well known and I should have received notification validating the debt and active collection attempt.
Company Response: Closed with non-monetary relief

Timely Response

2018-05-08

Sherman, TX

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 non-monetary relief

Timely Response

2018-05-07

Isom, KY

Attempts to collect debt not owed

Debt collection: Other debt

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

Timely Response

2018-05-07

Poughkeepsie, NY

Incorrect information on your report

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

Old information reappears or never goes away
Company Response: Closed with non-monetary relief

Timely Response

2018-05-07

Houston, TX

Attempts to collect debt not owed

Debt collection: Other debt

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

Timely Response

2018-05-05

Baton Rouge, LA

Attempts to collect debt not owed

Debt collection: Other debt

Debt was already discharged in bankruptcy and is no longer owed
Complaint: I have explained to Diversified that this debt was no longer owed because we could not turn in equipment because of natural disaster in XX/XX/2016 and all of our belongings were lost. I also explained to them that the services that were charged for 2 months after I cancelled the service the day after the flood occurred. I told them to get in touch with XXXX and resolve this matter with them. I also requested that they do not call me any more and to discuss the matter with XXXX. I just want the harrassing calls to stop and they continue to call and be rude and hang up when you tell them the reasons and tell you that they are collecting a debt and they want their money. They use bullying tactics and threaten you to report to credit. I have disputed this matter several times with these people and get no where with them.
Company Response: Closed with non-monetary relief

Timely Response