Diversified Consultants, Inc

2018-03-08

Burke City, MO

Attempts to collect debt not owed

Debt collection: Other debt

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

Timely Response

2018-03-08

Baton Rouge, LA

Communication tactics

Debt collection: Other debt

Called before 8am or after 9pm
Complaint: On Friday XX/XX/XXXX, an unknown number ( XXXX ) called my phone and left a voicemail seeking myself. I returned the call and they ( Diversified Consultants ) spoke on a past due bill with a cellphone company, XXXX XXXX. I stated, on a recorded line per the caller, that I do not have a contract with your company and as I have before I will go into one of the cellphone company 's locations and make the payment and representative stated ok that is fine. They ( Diversified Consultants ) have repeatedly called both of my numbers ( the second is XXXX ) as early as XXXX XXXX and as late as XXXX ( XX/XX/XXXX ). Furthermore, I do not believe the company is local to my city/state, therefore they are cloning a prefix ( XXXX area code ) and calling from several numbers ( XXXX, XXXX, XXXX ).
Company Response: Closed with non-monetary relief

Timely Response

2018-03-08

De Soto, IA

Attempts to collect debt not owed

Debt collection: Other debt

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

Timely Response

2018-03-08

Hialeah, 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

2018-03-07

Fred, VA

Attempts to collect debt not owed

Debt collection: Other debt

Debt was paid
Complaint: In XX/XX/XXXX, I cancelled my XXXX account and requested a final billing statement. On XX/XX/XXXX, I received a final billing statement for {$140.00}. I made three partial payments : {$40.00} on XX/XX/XXXX ; {$50.00} on XX/XX/XXXX ; and {$50.00} on XX/XX/XXXX which paid the outstanding balance in full. I received no interim or further communications from XXXX. On XX/XX/XXXX, I logged back onto my online account and noticed a charge for {$30.00}, but there was no explanation for the charge. I immediately paid the balance, even though I had no idea what the charge was for or why I " owed '' it. All of the equipment that we rented or used was immediately returned to XXXX upon the termination of the contract in XX/XX/XXXX. In XX/XX/XXXX, I became aware of a collection debt on my credit report relating to a {$50.00} outstanding debt owed to XXXX/XXXX. The debt was immediately disputed with all 3 credit bureaus and the collection agency ( Diversified Consultants ) and I provided proof of the XX/XX/XXXX bill along with my proofs of payment as well as the additional {$30.00}. As of this writing, Diversified Consultants refuse to remove the debt or provide me with an itemized billing statement explaining the additional {$30.00} and {$50.00} charges. I am still able to log into my XXXX account. There are no bills issued after XX/XX/XXXX. The final " bill '' I received on XX/XX/XXXX was simply an email stating that I owed {$140.00}. I have not received any communications ( electronic or written ) that I owed any additional monies other than the initial {$140.00}.
Company Response: Closed with non-monetary relief

Timely Response

2018-03-07

Conley, GA

Problem with customer service

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

Complaint: My name is XXXX XXXX and I had a past due bill with XXXX XXXX in the amount of {$1000.00} that was sent to collections. The name of the agency is Diversified Consultants. My account number with collection agency is XXXX. I resolved the payment with XXXX XXXX and paid full amount in agreeing to have information reported and retracted from my credit report. XXXX XXXX agreed to have information deleted and forwarded information over to Diversified Consultants. When reaching out to diversified consultants myself and explaining to them that XXXX XXXX has agreed to delete information from credit report, Diversified Consultants responded they are not able to do anything but report that the payment has been paid in full. I have documentation of agreement between myself and XXXX XXXX.
Company Response: Closed with non-monetary relief

Timely Response

2018-03-07

Cutler Bay, FL

Attempts to collect debt not owed

Debt collection: Other debt

Debt is not yours
Complaint: XX/XX/18 XXXX XXXX XXXX XXXX XXXX XXXX XXXX FL XXXX DIVERSIFIED CONSULTANTS Partial account # XXXX XXXX XXXX XXXX XXXX, XXXX, FL XXXX or ( XXXX ) XXXX Re : Acct # XXXX To Whom It May Concern : This letter is regarding a negative inaccurate account or accounts, which you claim I owe XXXX in a charged off account originally from XXXX XXXX XXXX. You also did not provide a complete account number and I don't see how you can say this is mine when there is no record of an account number from XXXX XXXX XXXX either. This is a formal notice that your erroneous claim ( s ) is/are now disputed. I am requesting validation, made pursuant to the Fair Debt Collection Practices Act and the Fair Credit Reporting Act, along with the corresponding local state laws. Please note that I am requesting " validation '' that is competent evidence bearing my signature, showing that I have ( or ever had ) some contractual obligation to pay you. Be advised that the method of validation is hereby requested along with the procedure used to determine the accuracy and completeness 's of the information is hereby requested. As per FTC opinion letter from Attorney General XXXX XXXX XXXX, you should be aware that a printout of a bill or itemized document does not constitute verification. Additionally, please provide the names, addresses, and telephone numbers of each person who personally verified this alleged account, so that I can inquire about how they " verified '' without providing any proof, bearing my signature? Please also be aware that any negative mark found on my credit reports including ( XXXX, XXXX, XXXX ) from your company or any company that you represent, for a debt that I don't owe, is a violation of the FCRA & FDCPA ; therefore, if you can not validate the debt, you must request that all credit reporting agencies delete the entry. Pending the outcome of my investigation of any evidence that you submit, you are instructed to take no action that could be detrimental to any of my credit reports. Failure to respond within 30 days of receipt of this certified letter may result in small claims legal action against your company at my local venue. I would be seeking a minimum of {$1000.00} in damages per violation : " Defamation " Negligent Enablement of Identity Fraud " Violation of Fair Debt Collection Practices Act ( including but not limiting to Section 807-8 ) " Violation of the Fair Credit Reporting Act ( including but not limited to Section 623-b ) Please Note : This notice is an attempt to correct your records, and any information received from you will be collected as evidence should any further action be necessary. This is a request for information only, and is not a statement, election, or waiver of status. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX FL XXXX XXXX P.S. Please be aware that dependent upon your response, I may be detailing any potential issues with your company via an online public press release, including documentation of any potential small claims action. I am also including a copy of my complaint to the organizations below : CC : Consumer Financial Bureau CC : Attorney General 's Office CC : XXXX XXXX XXXX
Company Response: Closed with non-monetary relief

Timely Response

2018-03-07

Gastonia, NC

Written notification about debt

Debt collection: Other debt

Didn't receive enough information to verify debt
Complaint: I have been trying to dispute an account on my credit report for over a year. The name of the collection agency is Diversified Consultants XXXX XXXX XXXX XXXX FL XXXX. The debtor is XXXX, the amount showing is {$1000.00}. I have sent several letters the last letter dated XX/XX/2018 stating that they needed to send me proof of my signature that this debt is valid. They sent me a copy of a statement showing this amount. This is not proof.
Company Response: Closed with non-monetary relief

Timely Response

2018-03-07

Rochdale, NY

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

2018-03-06

Brooklyn, NY

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

2018-03-06

Black Jack, MO

Communication tactics

Debt collection: Other debt

You told them to stop contacting you, but they keep trying
Complaint: On XX/XX/XXXX I saw a missed call on my work phone. I called back it was a company called Diversified Consultants. I was told they we're calling in reference to a XXXX bill. I 1st asked the rep to remove my work number and she continued to talk about the bill that was XXXX. I informed her that I worked for XXXX years ago and had free cable and to please remove my work number again. Then on XX/XX/XXXX I get another call from a rep from their company name XXXX. I asked to call back I called back and spoke to XXXX XXXX, I informed her that I spoke with them and asked the last time to remove my work number. She stated the rep claimed she didn't have a chance to verify which number to remove. That's not true because I repeated the work number to be removed and never called. She continue to talk about the bill. I do not owe. I told XXXX this is a violation of debt practices. XXXX said she would open a dispute and remove my work number. However, the number should have been removed the 1st time.
Company Response: Closed with non-monetary relief

Timely Response

2018-03-06

Arlington, VA

Attempts to collect debt not owed

Debt collection: Other debt

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

Timely Response

2018-03-06

Magnolia, TX

Communication tactics

Debt collection: Other debt

Frequent or repeated calls
Complaint: repeted phone calls 5 -10 times a day. block number so they call from different number.
Company Response: Closed with non-monetary relief

Timely Response

2018-03-05

Key Biscayne, FL

Incorrect information on your report

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

Old information reappears or never goes away
Complaint: Hello I am doing this complaint because I have old accounts and collections and the companies are constantly illegally reaging the accounts I've had no contact with them directly and no reason for them to keep free aging the accounts on top of that they are constantly reporting late payment history on the accounts further damaging my credit history I am legally XXXX I don't make much money and these accounts are severely hurting my opportunities to be able to rent or purchase a decent home for my child to have a happy life if you guys can please help me with this it will be greatly appreciated because he's collection companies now and days don't care how badly they ruin your life I was a victim of identity theft and that hurt me quite a bit as far as my credit history goes and it's been very difficult to fix the problem on my own because I do not have funds to pay somebody for credit repair
Company Response: Closed with non-monetary relief

Timely Response

2018-03-05

Oak Grove, MO

Attempts to collect debt not owed

Debt collection: Other debt

Debt is not yours
Complaint: In XX/XX/XXXX I renewed my contract with XXXX XXXX to continue services. In XX/XX/XXXX I moved to a new address. My contract states that if I move and service is not available at my new address my contract is cancellable with no penalty. I notified XXXX XXXX, now XXXX XXXX XXXX, of my move. They sent a technician to my new home to instal the service. the technician informed me I had no " line of sight, '' so service couldn't be installed. He also told me he'd inform XXXX XXXX. Because of his statement I secured service through XXXX. I later received a bill for cancellation of service from XXXX XXXX XXXX for {$290.00}. I spent the next 4 months talking to various people at XXXX XXXX XXXX, including their " office of the president, '' discussing the amount was not owed. They admitted and agreed it was not, but rather than cancelling the debt they want me to pay the bill and they would then send me a gift card, an offer I declined. They finally let me know they'd write it off and I would not have any further issues with collections. In XX/XX/XXXX I received a bill from Diversified Consultants XXXX XXXX XXXX XXXX XXXX XXXX XXXX FL ( XXXX ) XXXX trying to collect the XXXX XXXX XXXX account. They were notified the debt is not owed. I contacted XXXX XXXX XXXX the same day and was informed the account was cleared and I did not owe the debt. Diversified Consultants has now placed collection account notifications in all of my credit bureaus for this. I have requested a debt verification letter from Diversified, however, i do not owe this debt and would appreciate any help you can offer.
Company Response: Closed with non-monetary relief

Timely Response

2018-03-05

Cedar Hill, 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

2018-03-05

Greensboro, NC

Took or threatened to take negative or legal action

Debt collection: Other debt

Threatened or suggested your credit would be damaged
Complaint: Account Details Last Reported XX/XX/XXXX Collection Agency DIVERSIFIED CONSULTANTS INC Original Creditor XXXX Status Open Opened Date XX/XX/XXXX Closed Date -- Responsibility Individual Account. Balance {$3500.00} High Balance {$3500.00}
Company Response: Closed with non-monetary relief

Timely Response

2018-03-05

Georgetown, IN

Attempts to collect debt not owed

Debt collection: Other debt

Debt is not yours
Complaint: In XX/XX/XXXX, from an offer to provide high speed internet access, I made arrangements with XXXX XXXX XXXX to replace my Spectrum service with less-expensive and higher speed service. The XXXX XXXX XXXX technician installed the service, but warned me that I would likely not be satisfied with the available speed. The available speed in my neighborhood was only 3 mgs as the fiber connectivity had not reached my area. My previous speed from Spectrum was XXXX mgs. He told me that I had to call XXXX XXXX XXXX to cancel the service. I did so and XXXX XXXX XXXX agreed to the cancellation. They told me that I would see the net zero bill in XX/XX/XXXXXXXX the billing balance due that month had been reduced but was not at zero as promised. XX/XX/XXXX's bill was further reduced but still not at zero. Each month I spoke to XXXX XXXX XXXX and was told it was just an internal process to back off the charges and for me not be concerned. XXXX weeks ago, I received a collection letter from XXXX XXXX XXXX for the residual amount of {$110.00}. Since then I have received two collection phone calls informing me that the uncollected debt was going on my credit report. I spoke to XXXX XXXX XXXX again on XX/XX/XXXX and they told me that they would correct the issue, but it would take time to negotiate service costs with the collection agency. To their admission, I do not owe the debt, but because of their delay in processing, it has cycled through to the point of collection. They keep telling me the right message but the never follow through to closure. XXXX XXXX XXXX 's incompetence has now turned into harassment.
Company Response: Closed with non-monetary relief

Timely Response

2018-03-04

Smyrna, SC

Attempts to collect debt not owed

Debt collection: Other debt

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

Timely Response

2018-03-04

Buckingham, 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

2018-03-03

Augusta, GA

Incorrect information on your report

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

Information belongs to someone else
Complaint: I have an account opened in my name on XX/XX/2015. For the company XXXX. I have no recolection of an account, telephones and or authorizing for an account. I had no idea if this account until i became a member of XXXX XXXX. I filed a report with the credit agency XXXX they claim it is mine but i have not one piece of documentation of anything on this account, not an address, account number, or location of the account activation. So it is in collections for the amount of {$1600.00} opened XX/XX/2015, with diversified consultants inc. XXXX XXXX XXXX XXXX , fl XXXX. It is on my XXXX report also
Company Response: Closed with non-monetary relief

Timely Response

2018-03-03

Cheverly, MD

Attempts to collect debt not owed

Debt collection: Other debt

Debt was result of identity theft
Complaint: I have asked Diversified Consultants to send me verifiable documentation that this debt is indeed mine ( first request sent on XX/XX/XXXX, please see letter attached ), in turn they sent me was a bill of the charges they claim I owe. I sent the second letter demanding the same verifiable documentations ( sent XXXX, see attached ). They again responded with a bill, of the charges they claim I owed. I also would like to mention that this account was previously owned by XXXX XXXX, who ceased collection on this same account, and removed it from my credit file. Somehow this account was resold to Diversified Consultants!
Company Response: Closed with non-monetary relief

Timely Response

2018-03-03

Vernon Hill, VA

Took or threatened to take negative or legal action

Debt collection: Other debt

Threatened or suggested your credit would be damaged
Complaint: On XX/XX/XXXX I received a bill from XXXX XXXX for the amount of {$420.00}. As I don't have XXXX XXXX I immediately called them and asked for a copy of the signed contract with my signature on it. They claimed they would be sending to me within 5 business days and my " account '' would be on hold for until I received it. It never came. Shocking I know. So I called again repeatedly and asked for the same information. A simple verification of the debt. I still have yet to receive this. Then on XX/XX/XXXX I receive a letter in the mail from Diversified Consultants, INC. in the amount of {$420.00} with the original creditor listed as XXXX XXXX. This is a complete outrage, and definitely against the law!! I feel sure this will end up on my credit report next month so I demand you do something about these unfair and downright illegal practices! Thank You
Company Response: Closed with non-monetary relief

Timely Response

2018-03-02

Van Nuys, CA

Attempts to collect debt not owed

Debt collection: Other debt

Debt is not yours
Complaint: This company Diversified Consultants has called me non stop everyday and night and they have a collections mark on my credit, they are claiming I owe them an amount of {$420.00} when Ive never done business with them, and have no agreements nor acceptance to any relationships with them. I had the amount of {$420.00} paid off with the original company XXXX XXXX in which they claim I owe. This collections or derogatory mark they have placed on my credit is a false accusation. I will upload receipts to show proof.
Company Response: Closed with non-monetary relief

Timely Response

2018-03-02

Clayton, MO

Attempts to collect debt not owed

Debt collection: Other debt

Debt is not yours
Complaint: A fraudulent collections report is on my credit report from Diversified Consultants for XXXX. I called XXXX and they confirmed I have never had an account with them.
Company Response: Closed with non-monetary relief

Timely Response