Diversified Consultants, Inc

2018-04-25

Dallas, TX

Attempts to collect debt not owed

Debt collection: Other debt

Debt is not yours
Complaint: this account does not belong to me. this account belongs to my ex husband or possibly identity theft. i have attempted to dispute this multiple times and the company has been extremely uncooperative. i would like this account deleted immediately.
Company Response: Closed with non-monetary relief

Timely Response

2018-04-25

Garrett Park, MD

Written notification about debt

Debt collection: Other debt

Didn't receive notice of right to dispute
Complaint: XX/XX/XXXX hard pull on credit profile re : obtaining a mortgage and found a collection reported on XX/XX/XXXX for {$300.00} XX/XX/XXXX Contacted XXXX XXXX for Verification of Debt ; never received to date ( never received any communication prior ) XX/XX/XXXX Contacted " Diversified Consultants '' confining accuracy of my mailing address and email address ; requested documentation for Verification of Debt ; never received to date XX/XX/XXXX Contacted " Diversified Consultants '' re-requesting verification of debt ; never received XX/XX/XXXX Contacted " Diversified Consultants '' and WITHOUT verification of debt, paid the outstanding balance in full ( which they advised was {$350.00} although the credit report reflected only {$300.00} ) ; was told I would receive confirmation that the account is paid in full within 3 business days ; contact XXXX XXXX seat XXXX XX/XX/XXXX Contacted " Diversified Consultants '' alerting them I have YET to receive notification of debt OR confirmation that the account is paid in full to either my email address or mailing address ; contact XXXX XXXX seat XXXX ; very polite and was apologetic ; understood this was unacceptable and in error XX/XX/XXXX Contacted " Diversified Consultants '' again alerting them I have YET to receive notification of debt OR confirmation that the account is paid in full to either my email address or mailing address ; contact XXXX XXXX seat XXXX XX/XX/XXXX Contacted " Diversified Consultants '' again alerting them I have YET to receive notification of debt OR confirmation that the account is paid in full to either my email address or mailing address ; contact XXXX XXXX ( consumer resolution analyst ) who disconnected the call XX/XX/XXXX Contacted " Diversified Consultants '' again alerting them I have YET to receive notification of debt OR confirmation that the account is paid in full to either my email address or mailing address ; alerted them XXXX XXXX ( consumer resolution analyst ) disconnected the call and that I need to speak with a compliance manager ; contact XXXX XXXX ( sp. ) who forwarded me to XXXX XXXX in Compliance Manager XX/XX/XXXX I alerted compliance manager XXXX XXXX of the numerous violations both from XXXX XXXX AND Diversified Consultants ; he spoke with his resolution team who even though the account has been paid in full, would issue me a Letter of Deletion to have this item removed from my credit report. I requested a full refund as the account was sent from XXXX XXXX to Diversified Consultants in error, without following proper dispute procedures ; he admitted to their violations, refused to provide a refund, but assured me I would receive a letter of deletion by end of business on XX/XX/XXXX. On XX/XX/XXXX at XXXX I received via email a letter stating my account is paid in full ( not a letter of deletion as promised by the compliance manager ). This letter does not state the amount owed or paid, nor the date the account was paid in full. Being that neither companies ( XXXX XXXX & Diversified Consultants ) provided notification of debt before reporting to collections, no notification or verification of debt upon request, failure to provide verification of debt OR confirmation of payment with in 10 business days of receipt of payment, find themselves in complete violation of : 1. Fair Debt Collections Practices Act 2. Fair Credit Reporting Act
Company Response: Closed with non-monetary relief

Timely Response

2018-04-25

VA

Attempts to collect debt not owed

Debt collection: Other debt

Debt is not yours
Complaint: A representative of Diversified Consultants Inc. called on my personal cell phone number attempting to collect a debt - $ 400+ on behalf of XXXX XXXX. I have never had XXXX XXXX or had any dealings with the company. When I challenged the representative, she responded, " oh, you've got a common name ; this must be another XXXX XXXX ''. It is troubling that the debt collector contacted me with only one piece of matching information - name. I have never lived at the address for the account and, obviously, none of my other personal information would match this other person. I am also bothered that the debt collector reached me on a personal cell phone that is not listed publicly. It is my understanding that many of the rights provided by the federal Fair Debt Collection Practices Act are afforded to any person, and not just the person who owes the debt. I have blocked the phone number that Diversified Consultants called from. Is there any other action that can be taken to ensure that I do not receive this type of call going forward?
Company Response: Closed with non-monetary relief

Timely Response

2018-04-25

Juniper Hills, CA

Communication tactics

Debt collection: Other debt

You told them to stop contacting you, but they keep trying
Complaint: I have contacted the company by phone, takes to the supervisor and asked them to stop calling me, and told her the company is constantly calling me and I consider it harassment.
Company Response: Closed with non-monetary relief

Timely Response

2018-04-25

Everett, WA

Attempts to collect debt not owed

Debt collection: Other debt

Debt was result of identity theft
Complaint: I'm am disputing this debt and have filed a complaint with Washington State Attorney 's Office against XXXX XXXX XXXX XXXX XXXX and Diversified Consultants, Inc. XXXX for Breach of Contract ; Failure to Providing Service ; Bait and Switch Sales Tactics of XXXX XXXX Contract and Billing ; not providing me with a written wet contract when asked ; unauthorized use and fraud of my digital signature ; providing only a Ipad contract which I don't own a XXXX, and Double Billing Fraud. Failure to act in good Faith by not responding under Contract Law, and Bait & Switch Sales/Billing Tactics. This is the four time I've asked CFBP for information of reported debt filled by XXXX, and they wouldn't respond ether to the Washington State Attorney 's Office ; and which XXXX drop the claim. Then I get hidden post card mail from their other collection agents, that looks like junk mail in my junk mail this one is for addressing is from Diversified Consultants , Inc. XXXX saying XXXX has filled a Debt Claim. If XXXX doesn't response to the State Attorney 's office or Federal Agency 's Complaints how can the they really be acting in good faith during the sales and service contract process. XXXX is using double billing and triple collection agency business practices buy using three separate collection agency which is against Federal and State laws. I'm asking XXXX and Diversified Consultants, Inc. XXXX to provide the full names and information of all Agents representing XXXX that where responsible for the negotiation of the implied legal Ipad contract and security procedures for my digital signature. Information on XXXX training/licensing program for Agents representing XXXX during negotiating legal contracts with the public and/or consumers. The Full names and Titles of the Agents representing XXXX in contracts, communications, and not abbreviated names like ( XXXX XXXX ) example. The Agents names, titles, contact information of XXXX Executive & Regulatory Services department or the department responsible for overseeing debt collection and all legal contract matters.
Company Response: Closed with non-monetary relief

Timely Response

2018-04-25

Ballard, WA

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

2018-04-25

Stanford, KY

Written notification about debt

Debt collection: Other debt

Didn't receive notice of right to dispute
Complaint: I had a fraudulent charge from XXXX XXXX ( debt collector was XXXX XXXX ) for services that I did not approve, consent, nor request in XXXX. I was not made aware that I could dispute the debt. In XXXX I used the XXXX XXXX app on my phone and discovered I could dispute the charge through XXXX. I successfully disputed the charge and it was removed in XXXX for roughly 6 months. Around 2 weeks ago from today ( XXXX ) the debt was reinstated onto my credit through XXXX without any form of notification, which has now costed me a home loan that I was applying for to purchase a home. This debt reappeared on my credit with a date of XXXX ( which is incorrect as verified to me from XXXX XXXX and XXXX both ) with the debt collector still being XXXX. I attempted to contact both XXXX and XXXX to remove the charges ( unsucessfully ). I also tried to redispute the charge through XXXX, and my dispute is not even showing up a week later from submitting ( so I'm assuming it has been denied ). This activity, as I have researched and discovered, is illegal. I was not given the required 5 day written notification, nor was I given the opportunity to contest it. The unscrupulous debtor put in the wrong date. And, most importantly, this is a fraudulent charge that I never signed a contract for to receive any services from XXXX XXXX ( and did not receive ).
Company Response: Closed with non-monetary relief

Timely Response

2018-04-24

Key Biscayne, FL

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: This is a request to investigate the following entities : XXXX, XXXX and XXXX for unfair and inaccurate and frivolous credit reporting methods and for lack of response ; and XXXX and Diversified Consultants, Inc. for reporting frivolous and inaccurate information with the intent to profit. On XX/XX/16, I disputed XXXX XXXX alleged " {$850.00} '' debt reported by Diversified Consultants to the 3 Credit Bureaus, and requested a " detail statement '' from XXXX in connection to the alleged debt. XXXX responded by saying that the XXXX XXXX debt was " reported correctly, '' by Diversified Consultants. Diversified Consultants and XXXX have never provided a detail statement of the charges because the debt is frivolous with the intent to profit by using my credit record as a hostage until the frivolous debt is paid. The enclosed supporting documentation is proof that no monies are owed to XXXX/Diversified. It also shows that while XXXX was servicing my cells, XXXX continue to charge for a service not being provided. I contacted XXXX by certified mails, e-mails, phone conversation, in person without any success or response. It is my position that XXXX and Diversified Consultants, Inc. have not proved the alleged debt is valid. Therefore, I request that you investigate and have this frivolous debt removed from my credit history in the three ( 3 ) Credit Bureaus.
Company Response: Closed with non-monetary relief

Timely Response

2018-04-24

Itasca, IL

Attempts to collect debt not owed

Debt collection: Other debt

Debt was paid
Complaint: I found out about an alleged debt of {$230.00} placed on my credit reports ( XXXX, XXXX, XXXX ) on XX/XX/XXXX from Diversified Consultants stating I was delinquent on a balance from XXXX XXXX from XX/XX/XXXX. I have had no previous actual or attempted contact with Diversified Consultants before this showed up on my credit reports. I contacted XXXX XXXX directly and they assured me that they had record of appropriate payment information on record and that this is their error and should not have been placed in collections and that it would be recalled. I contacted Diversified consultants and they advised that they would not remove the collection, only update it as " paid '', regardless of the circumstances and the errors being on their side. I even offered to pay to remove this false and damaging collection from my credit report and pursue contact XXXX XXXX directly for a refund in leiu of moving forward with a federal lawsuit against them as that would be the cheaper option, Diversified Consultants declined. In my opinion, this is a shameless money grab, targeted a ruining peoples lives and reputations. I believe my rights in FDCPA and FRCA have been violated.
Company Response: Closed with non-monetary relief

Timely Response

2018-04-24

Chicago, IL

Attempts to collect debt not owed

Debt collection: Other debt

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

Timely Response

2018-04-24

Wallington, NJ

Communication tactics

Debt collection: I do not know

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

Timely Response

2018-04-23

Columbus, OH

Attempts to collect debt not owed

Debt collection: Other debt

Debt was paid
Complaint: In XX/XX/XXXX I had XXXX as a provider for cable/wifi services for a rental location of XXXX XXXX XXXX, XXXX, MI, XXXX. Account XXXX. XXXX. During my service, I opted for automatic payment from my credit card to ensure that all bills were paid on time. In XX/XX/XXXX, I called and formally terminated my service, as my lease was up at this location. I was told my account was paid in full. My last payment posted on XX/XX/XXXX in the amount of {$49.00}. Because of the partial month, I was issued a credit on XX/XX/XXXX in the amount of {$37.00}. On XX/XX/XXXX, I had mail forwarded to me by the US Postal Service, from Diversified Consultants, Inc. who informed me that they have been referred by XXXX for collection of {$37.00} debt. XXXX XXXX XXXX XXXX : XXXX. I contacted XXXX for the 3rd time since XX/XX/XXXX and spent and hour on a chat session ( chat ID : XXXX ). I was informed that XXXX would be issuing a credit, so that there would be a {$0.00} balance on my account and that the collection effort would be terminated. In so much that I have continually attempted to affect a complete closure of this account, I have no faith that this errant debt collection will be terminated. Both companies need to be punished for their failures to appropriately account for my service.
Company Response: Closed with non-monetary relief

Timely Response

2018-04-23

Oxford, GA

Incorrect information on your report

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

Information belongs to someone else
Complaint: To Whomever This May Concern : My name is XXXX XXXX XXXX. Diversified Consultants has reported a collection account to my credit report that doesn't belong to me. It says it is through XXXX XXXX XXXX. I have attached a police report due to fraud that I have experienced. This account is not mine. I have not ever had an account with XXXX XXXX XXXX and I would appreciate this account being removed from my credit report asap.
Company Response: Closed with non-monetary relief

Timely Response

2018-04-23

Reno, TX

Incorrect information on your report

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

Account status incorrect
Complaint: Last year I called XXXX XXXX to get their cable service. I specifically ask for certain channels. The rep gave me a package and I asked over 3 times did that package have the channels I was asking for, she said yes. When the installer came out and did his job, I told him to hold on until I checked for my desired channels and they were not in the package. I told the installer to disconnect everything and he called the office and told them what I said. The rep asked to speak to me and i constantly told her they lied to me so they could take their service and equipment. The installer stayed around for 2hrs and as he was standing there, i canceled the service. I mailed them back their equipment and remotes. The supervisor threaten to charge my account over {$800.00}. So I shut down all the accounts at the bank. Almost a year later they are filing this on my credit and put an amount I don't owe them in collections. I didn't have their service for 30 min so I thought. I had XXXX installed and XXXX XXXX was still letting my account remain open after I told them I wanted it cancel. I never got a bill nor a phone call. I cant see where I am responsible for the lack of professionalism in the XXXX XXXX business.
Company Response: Closed with non-monetary relief

Timely Response

2018-04-23

Altadena, 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

2018-04-21

TX

Threatened to contact someone or share information improperly

Debt collection: Other debt

Contacted you after you asked them to stop
Complaint: I started to receive calls from Diversified Consultants Inc in regard to a XXXX Account that was closed and taken care of in 2013. So I checked my credit report where I got a derogatory remark for XXXX on my XXXX. I informed them that this had already been taken care of. They let me know they had an open account in there system that had to be paid. They have been calling and harassing me to pay this debt. I want them to have this negative remark removed from my credit report and to stop calling me. Especially when I'm at work.
Company Response: Closed with non-monetary relief

Timely Response

2018-04-20

Houston, TX

Communication tactics

Debt collection: Credit card debt

Called before 8am or after 9pm
Company Response: Closed with non-monetary relief

Timely Response

2018-04-20

Atl, GA

Attempts to collect debt not owed

Debt collection: Other debt

Debt is not yours
Complaint: Company is attempting to collect a debt for {$1500.00}. I mailed a request to company requesting debt verification, they responded on XX/XX/XXXX with a summary of charges and billing statement. On XX/XX/XXXX, I mailed a 2nd certified letter requesting legitimate debt verification documents including signed contracts to prove the debt is mine. The letter was deliver on XX/XX/XXXX, XXXX. The company has not responded to my 2nd request therefor waiving their rights to collect on this debt as stated in the letter I mailed.
Company Response: Closed with non-monetary relief

Timely Response

2018-04-20

Reno, NV

Communication tactics

Debt collection: Other debt

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

Timely Response

2018-04-20

Palm Desert, CA

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

2018-04-19

Foothill Ranch, CA

False statements or representation

Debt collection: Other debt

Attempted to collect wrong amount
Complaint: My complaint is that I was told that if I settled a debt with them they would not report it on my credit report. I paid the debt in full but they did not follow through with their promise. Additionally, I disputed it recently and they are not taking it off my credit report and its adversely affecting my credit.
Company Response: Closed with non-monetary relief

Timely Response

2018-04-18

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

2018-04-18

Saginaw, MI

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

2018-04-18

Newnan, GA

Attempts to collect debt not owed

Debt collection: Other debt

Debt is not yours
Complaint: I had been a valued, paying customer of XXXX since XX/XX/XXXX. I called XXXX to speak with a representative on XX/XX/XXXX to have my account transferred to a new service address beginning XX/XX/XXXX. My account had to be up to date for a transfer of service which it was at this time. The request was supposed to only be for a transfer of service under my current account not an establishment of new service. My account was what I presumed to be transferred on XX/XX/XXXX and an agent came out to my home and connected the equipment that I brought from my previous service address. From that point I had again been a valued, paying customer of XXXX. Around XX/XX/XXXXwe began the process of buying a home. After having my credit ran I was informed of a new collections account that was posted to my credit through a credit agency, Diversified Consultants. Soon after I received my first notice from Diversified Consultants about a XXXX account that was in collections for {$910.00} that was opened in XX/XX/XXXX. On XX/XX/XXXX I contacted XXXX to obtain more information about this collection since I knew that my current account was up to date and in good standing. I spoke with XXXX, account representative, upon my first contact in regards to this matter. The rep reviewed my account and placed a ticket # XXXX into the system to review this situation. On XX/XX/XXXX I called again because I had not received a callback as was promised by the last agent regarding this matter. On XX/XX/XXXX I spoke with XXXX, account representative. I had to reiterate the entire situation. XXXX at that time place another ticket # XXXX for the issue to be reviewed and resolved. It had be determined that the actual amount owed was {$140.00}. I tried to pay this amount at that time because I needed the situation resolved as I was in the middle of a obtaining a home loan. I was advised by the agent not to pay this amount until I was contacted by a manager or supervisor at a later date. However, I never received a phone call. My next call was on XX/XX/XXXX in regards to the initial ticket # XXXX and # XXXX. I spoke with XXXX at this time. This like my 2 previous calls turned in to hour long conversations as the representative and their unnamed supervisors reviewed my account. At the end of this conversation I stressed to the rep XXXX that I was in the midst of a home buying process and i needed this collections account issue resolved rapidly. I was again promised a call back which I never received. Today XX/XX/XXXX in efforts to go ahead and take care of the balance of {$140.00} that I was told I owed by two different agents I made a payment of {$140.00} ( this amount because I did not remember exactly how much was owed ). This was paid to diversified consultants through rep XXXX XXXX Confirmation # XXXX. I then called XXXX report the balance that was paid. I spoke with 3 different representatives today. I gave each one a run down of the situation. I was told that the issue would take another 48-72 hours to be reviewed and credited appropriately. At this point I am fed up with dealing with XXXX and their credit agency Diversified Consultants. I am still a paying customer with an up to date account at my current address. I wish to have this collections account removed from my credit report so that I can proceed with my home loan. XXXX needs to review their transfer of services process so that others will not have to do through the tedious and time consuming situation that I have been subjected to. As soon as I can, I will permanently cut ties with XXXX because of this situation.
Company Response: Closed with non-monetary relief

Timely Response

2018-04-18

San Bernardino, CA

Incorrect information on your report

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

Information belongs to someone else
Complaint: Diversified consultants has reported a derogatory open account to all three bureaus that they refuse to validate. I've requested twice that they validate this debt, as I was a victim of identity theft around the same time they claim I established service with them. I've not had a XXXX account in years. Even then it wasn't under my name. I am requesting that Diversified consultants INC validate this debt. Please provide me the information used to establish this account in XX/XX/2015 such as social, ID and or signature on contract. It is vital that you're reporting accurate and true information. I am prepared to go as far as I need to, even if this is court. This is holding me back and I refuse to pay a debt I know doesn't belong to me. The amount said I owe is XXXX. I was a victim of identity theft and had a few other accounts where someone had used my name but used a diff social and they reported the debt to me, obviously this was removed since it was against the FRCA laws. So please validate this debt showing me what information was used to establish this account. This is my last attempt to deal with this before seeking legal counsel
Company Response: Closed with non-monetary relief

Timely Response