Dyck-O'Neal, Inc

2019-11-22

IL

Attempts to collect debt not owed

Debt collection: I do not know

Debt was paid
Company Response: Closed with explanation

Timely Response

2019-11-06

Lena, OH

Incorrect information on your report

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

Account status incorrect
Complaint: XX/XX/2019 Monthly amount being paid every month for 4 or 5 years and company reports 6 mos behind the whole time
Company Response: Company disputes the facts presented in the complaint Closed with explanation

Timely Response

2019-10-11

Manhattan, NY

Attempts to collect debt not owed

Debt collection: I do not know

Debt is not yours
Company Response: Closed with explanation

Timely Response

2019-10-08

Laurel, NY

Struggling to pay mortgage

Mortgage: Home equity loan or line of credit (HELOC)

Complaint: Dear CFPB I have been struggling to pay my mortgage. I finally found a buyer and obtained a short sale approval from my first lender but I can not close due to my second mortgage. My short sale approval expires XX/XX/XXXX The second mortgage was owned by XXXX who sold it to XXXX XXXX XXXX who sold it to XXXX XXXX and then it was service transferred Dyck O'Neal. Absolutely no one recorded either an assignment, service agreement or anything on my mortgage title. I am awaiting for both XXXX XXXX XXXX and XXXX who is XXXX to provide the proper assignment and/or servicing documents so I can close. Please assist me. I am desperate at this point.
Company Response: Closed with explanation

Timely Response

2019-09-23

Plano, TX

Incorrect information on your report

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

Account status incorrect
Company Response: Closed with explanation

Timely Response

2019-09-19

Orion Twp, MI

False statements or representation

Debt collection: Mortgage debt

Attempted to collect wrong amount
Complaint: I have received collection actions, negative and erroneous credit reporting against me on a joint debt, formally held by my ex-husband as the primary and myself as the secondary party that is erroneously being reported. Additionally, not full or accurate accounting of the collection has been provided to me or reflected in the reporting to the credit bureau. Nor has proper identification of the original mortgage holder been reflected or the correct account status. This debt is a result of a foreclosure that was requested by my ex-husband. After I was approved for mortgage modification and completed the trial period payments to pay the obligation separately since he refused to meet his. Although, my ex initiated the foreclosure and is jointly obligated, he is not being pursued for the obligation due to his bankruptcy protection and XXXX refused to continue with a modification without his signature. The following details are being provided to support my reason for requesting assistance and for the CFPB to intercede. The property balance being collected on had a Sheriffs sale/foreclosure date of XX/XX/XXXX. The property was redeemed and sold XX/XX/XXXX in which the mortgage company received {$43000.00} in sale proceeds. The last statement received from the collection agency dated XX/XX/XXXX had the current foreclosed mortgage balance in the amount of {$120000.00} as of XX/XX/XXXX. ( Exhibit 1 ) The statement does not reflect the {$43000.00} the financial institution received in proceeds from the sale of the home. It also reflected over {$6700.00} in unapplied payments and included multiple fees for interest on escrow for payments in access of the escrow account. Had the unapplied payments been applied to the escrow account, no interest charges would have occurred. Additionally, as a second option, had these fees been applied to the mortgage interest, the mortgage balance would have also been lower. This appears to be a prime example of the mortgage company performing favorable accounting practices at the expense of the consumer. Lastly, there are over {$2000.00} in charges for preservation fees on an abandoned property that were charged erroneously reflected in the attached statement dated XX/XX/XXXX. This was after the preservation company admitted erroneous entry into the home. ( Exhibit 2 ) Additionally, attached is the first and last page of the property management agreement reflecting management since XXXX and the first and last page of the subsequent lease agreement enter into post entry in and upon the premises. These figures alone total over {$52000.00} in erroneously charged or misapplied funds and fees. After extending a loan modification ( Exhibit 4 ) and then stating they would not move forward with a modification without both signature, XXXX stated that foreclosure had been requested by the other party and they were basically honoring the other partys request. My exs bankruptcy protected him and leaves me obligated even after several attempts and success at getting modified terms to in which I could meet my obligations. Only to have the rug snatched out from under me. Lack of assistance then and lackluster efforts now continue to impact my life. In addition to the aforementioned, XXXX has done the following in no specific order. ( Exhibit 3 ) Started re-reporting their closed account with current payments in XXXX, XXXX and XXXX XXXX and then delinquent payments erroneously thereafter. This is appearing to my creditors that I am still missing mortgage payments and am 120 day or more past due. XXXX refuses to correct. It is also reflecting that a foreclosure when the property was redeemed out of foreclosure, that there has not been any activity since XXXX and that the last payment was XXXX of XXXX which is not inclusive of the {$6700.00} in unapplied payments still reflecting in XX/XX/XXXX. I attempted to hold myself accountable by getting a modified mortgage and doing everything in my power to meet my obligations. XXXX and Dyck O'Neal should have done everything in their power to get the reporting and accounting right. There has not been any efforts from either company to get things corrected and they snub their noses at my requests for assistance with something as simple as accuracy. This is my life. This collection and erroneous reporting is drastically affecting my ability to move on with this life and/or restart after a divorce and very bad time. The matter is only being exacerbated after making several, unsuccessfully, attempts to work out corrections on balances and reporting and some sort of mutual resolution and manageable payment terms that also doesnt set me up for failure or make matters worse. I seek assistance with moving on and past this chapter. They had years to get this right at my expense now its time to just get it removed.
Company Response: Closed with explanation

Timely Response

2019-09-17

San Antonio, 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
Complaint: I have a loan with DYCK ONEAL. I have always made my payments on time. For some reason, I realized that there were late payments on my credit report. As you can see, I have always had a stellar payment record with this company. I tried contacting XXXX, XXXX and XXXX with no successful resolution. There was definitely an error on their part. I was never late.
Company Response: Closed with explanation

Timely Response

2019-09-13

Grosse Ile, MI

Took or threatened to take negative or legal action

Debt collection: Other debt

Threatened or suggested your credit would be damaged
Complaint: Hi I open account with XXXX XXXX in XXXX I had some damaged goods that came in in XXXX that I ordered the company said that they were going to take care of the balance which was XXXX XXXX now about a year ago or less dyke o Neil. Purchase the debt they have negatively impacted my credit by reporting miss information to my credit bureaus I have advised them that this was a clerical error on XXXX XXXX part I tried to call pXXXX XXXX and resolve it with them they told me they sold off the debt so I called dyke o Neil back They told me I cant send them the damage merchandise which Ive had since XXXX and was told that they were going to issue a credit back in XXXX
Company Response: Closed with explanation

Timely Response

2019-09-11

TX

Attempts to collect debt not owed

Debt collection: Other debt

Debt is not yours
Complaint: This company called me regarding collecting a debt. After further research, they are not bonded with the state of Texas as required by Tex. Fin. Code. 392.101. With this, these seem to be abusive collection efforts in which falls under Tex. Fin. Code 392.402.404. Also, I was never notified of this debt and it's not valid. I've contacted the credit bureaus to notify them of fraud.
Company Response: Closed with explanation

Timely Response

2019-08-24

Lk Buena Vis, FL

Attempts to collect debt not owed

Debt collection: I do not know

Debt is not yours
Complaint: In XX/XX/2018 four new installment accounts appeared on my credit reports ( XXXX, XXXX, and XXXX ). These accounts are listed under creditor Dyck O'Neal and each is being reported on my XXXX, XXXX, and XXXX accounts as greater than 120 days past due each month. After doing my research I have found that Dyck O'Neal is a collection agency that buys old debt. After expressing that I do not have an obligation to pay Dyck O'Neal I have not been able to have the installment accounts removed from my credit report. Rather than report the accounts as the collection accounts they truly are, Dyck O'Neal is listing these accounts as installment accounts and/or unsecured loans and reporting those loans as past due each month. These collection accounts are made to appear on my credit report as though I took out a loan with Dyck O'Neal and grew significantly behind in my payments.
Company Response: Closed with explanation

Timely Response

2019-08-05

TX

Attempts to collect debt not owed

Debt collection: I do not know

Debt is not yours
Complaint: I recently checked my credit report on XX/XX/2019, I seen an account that I don't recognize so I called the company Dyck Oneal Inc and gave them my first and last name. The agent on the phone told me she don't see any accounts with my name. I began to explain to her that Dyck O'Neal is showing up on my credit report. I demand that this company remove any and all accounts reporting to the credit bureaus ( i.e XXXX, XXXX, XXXX ). This company is in volition of the Fair Credit Reporting Act.
Company Response: Closed with explanation

Timely Response

2019-07-12

South Florida, 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

Difficulty submitting a dispute or getting information about a dispute over the phone
Company Response: Closed with explanation

Timely Response

2019-07-05

MD

Threatened to contact someone or share information improperly

Debt collection: Other debt

Talked to a third-party about your debt
Complaint: This letter is to initiate a complaint against Dyke ONeal collection agency, located in XXXX, Texas ( please see attachment provided ). At an earlier time, I was forced into a short sale of a property I had owned due to vandalism. The mortgage holder required that a {$5000.00} promissory note, with payments of {$42.00} per month. This note was subsequently turned over the Dyck ONeal for servicing. Dyke ONeal sent me monthly billings on a regular basis until the middle of last year ( XX/XX/XXXX ). For five months, I received no billing statements - and therefore no payments were made on the note. In XX/XX/XXXX, a representative of Dyke ONeal contacted me by telephone and informed that the note was in arrears. I promptly brought the note current. Later, Dyke ONeal placed a derogatory note on my credit report, stating that I had missed five payments. I phoned the company to request that the derogatory information be removed, as I had not paid because I had received no billing statements. The company refused to do this, citing that they sent out billings as a courtesy only, and hung up the phone on me when I complained. I would like to request that action be taken to compel the removal of this information from my credit report. I have excellent credit otherwise, and what they have added is very damaging. In addition, the short sale was originally mis-reported on the credit report as a foreclosure, when this was not the case. This issue was already referred to the Maryland Division of Financial Regulation, but they were unable to have the derogatory information removed. Further, XXXX XXXX, XXXX at Dyck-O'Neal made several untruthful statements to that agency during the course of their investigation. As a result of this situation, I am looking at payments on a used car of nearly {$100.00} more PER MONTH due to the fact that my credit score dropped approximately 115 points. This is a material adverse financial impact. What rights do I have as a consumer regarding credit reporting agencies? There would seem to be no accountability for the veracity of their information, despite its impact on peoples lives. I may be reached by telephone on XXXX should you wish to discuss this matter further. Please note that if you call and receive an unusual response, you have probably reached my robocall app. I will call you back. Thank you in advance for your assistance.
Company Response: Closed with explanation

Timely Response

2019-06-18

Nyc, NY

Incorrect information on your report

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

Account status incorrect
Complaint: The collection agency has re-aged 6 accounts according to the original creditors date of first delinquency. I asked them to delete the accounts immediately but have yet to do so.
Company Response: Closed with explanation

Timely Response

2019-06-16

Philadelphia, PA

Attempts to collect debt not owed

Debt collection: I do not know

Debt is not yours
Complaint: I've tried several attempts to resolve this matter with the company listed below. After several attempts I have been forced to file a police report and also seek legal advice against the account listed. DYCK O'NEAL, In addition please find attached a copy of the police report and DC number that was provided to me when report was filed. In addition I would like these accounts to be removed from my credit report. As I have asked before. These accounts are part of fraud and should be removed from my credit report immediately. Per Federal Guidelines in 603B letter when ever there is fraud on your credit report is shall be removed with in 4 business day.
Company Response: Closed with explanation

Timely Response

2019-06-04

IL

Attempts to collect debt not owed

Debt collection: Mortgage debt

Debt was paid
Complaint: One of my investment condo was foreclosed by bank in XXXX. That unit was initially bought in XXXX XXXX and the lender was XXXX XXXX XXXX. Same unit was refinanced in XXXX XXXX and the lender was XXXX XXXX XXXX. On XXXX XXXX that loan was assigned and transfer to XXXX XXXX XXXX XXXX. On XXXX XXXX that loan was transferred to XXXX XXXX XXXX XXXX. XXXX XXXX has transferred servicing of this loan to XXXX in XXXX and was foreclosed on XX/XX/XXXX. XXXX XXXX has issued form 1099-A for Acquisition of secured property for {$100000.00} and that was the amount of mortgage. XXXX XXXX XXXX was not the lender at the time of foreclosure. Collection Agency Dyck Oneal, XXXX XXXX XXXX XXXX, XXXX, TX XXXX, is trying toi collect {$34000.00} on behalf of XXXX XXXX XXXX but they are not the lender at the time of foreclosure. .I have tried to explain them so many times but they are only interested in collection and now it is hurting my credit score.
Company Response: Closed with explanation

Timely Response

2019-05-30

Rochester, OH

Incorrect information on your report

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

Account status incorrect
Company Response: Closed with explanation

Timely Response

2019-05-14

Memphis, TN

Written notification about debt

Debt collection: Other debt

Didn't receive enough information to verify debt
Complaint: CONTACTED DYCK ON LAST MONTH ACCOUNT THAT HAS BEEN PLACED ON MY CREDIT REPORT IN ERROR ... .ACCOUNT WAS PLACED UNDER CHAPTER XXXX ON XX/XX/16 AND THEY ARE CALLING TO COLLECT ON ACCOUNT IN WHICH IS AGAINST THE LAW ... I INFORMED THEM TO SEND WRITTEN NOTIFACTION OF DEBT AND THEY HAVE YET TO SEND ANYTHING AND WILL NOT REMOVE OFF OF MY CREDIT REPORT.
Company Response: Closed with explanation

Timely Response

2019-05-11

Columbia, SC

Written notification about debt

Debt collection: Other debt

Didn't receive notice of right to dispute
Complaint: Collection agent was for a cease-and-desist notification prior to submitting this debt to the consumer credit file as prohibited under the authority of public law 104 - 208 which communicated in that same notice that his collection attempts where are unwelcome and that he shall refrain from reporting records debt to the credit bureau because he dont deal with 3rd party collection agencies and i am demanding that the account subject to this complaint to be removed due to failure of complying with reppert statute of the Tair Debt Collection Practices Act.
Company Response: Closed with explanation

Timely Response

2019-05-06

Phila, PA

False statements or representation

Debt collection: Other debt

Attempted to collect wrong amount
Company Response: Closed with explanation

Timely Response

2019-04-26

Hanceville, AL

Attempts to collect debt not owed

Debt collection: I do not know

Debt was already discharged in bankruptcy and is no longer owed
Complaint: I gave the company Dick O'Neal information that the debt that they were collecting was discharged in Bankruptcy. They verified the information last year and changed the information on my credit reports. Now they have went back and mark the credit lines items as being an 180 days late and made them as active on my credit reports.
Company Response: Closed with explanation

Timely Response

2019-04-25

Stantonville, TN

Attempts to collect debt not owed

Debt collection: Mortgage debt

Debt was already discharged in bankruptcy and is no longer owed
Complaint: XX/XX/2018 After paying {$110.00} on oringal loan & the principal of {$14.00}, XXXX for 18 years, XXXX sold to XXXX XXXX, then sold to XXXX XXXX XXXXXXXX, which doubled the mortgage from {$6000.00} to {$12000.00} & refused payment of {$110.00}, I filed Ch.XXXX Bankruptcy & notified them on XX/XX/2018 about Chapter XXXX bankruptcy. XXXX, refused payment of {$110.00}, called the loan, doubled the owed mortgage of {$6000.00} to {$12000.00} t & sold the BKXXXX mortgage to XXXX XXXX XXXX, Debt collections. XXXX XXXX XXXX KNOWS about the BKXXXX, which is in writing in 2 different letters. In addition, they know, I have satisfied the criteria & been discharged from BKXXXX in XX/XX/2018, which is also known & can be verified in the 2 different letters they have sent. However, the debt collection company continues to call me every Friday, without any regards to the Federal Bankruptcy Laws.
Company Response: Closed with explanation

Timely Response

2019-04-23

San Antonio, TX

Took or threatened to take negative or legal action

Debt collection: Mortgage debt

Threatened to sue you for very old debt
Complaint: My complaint is on Dyck-O-'Neal Inc. This company is a private debt collector who is suing me on a Time-Barred debt ( promissory note ) for XXXX ( original debt was XXXX ). XXXX XXXX XXXX XXXX aka XXXX XXXX owned property : XXXX XXXX XXXX XXXX XXXX TEXAS XXXX ON XX/XX/XXXX by Civil Suit case number XXXX 150th court room. I should not be held legally or responsible for a Time-barred debt on a promissory note from XXXX which XXXX XXXX was the original Holder payments was made to XXXX mortgage company ( XXXX recession ). I never had a legal bonding contract with Dyck-O-'Neal or agree to pay on a Time-Barred debt due to Staute of Limitations and XXXX XXXX took ownership 9 years ago of that property. The Justice System and Dyck-O-'Neal should dismiss Summary Judgment and Writ of Execution due to DATA THEFT. Dyck-O-'Neal was not the original holder of promissory note and contract.
Company Response: Closed with explanation

Timely Response

2019-04-20

Attempts to collect debt not owed

Debt collection: Mortgage debt

Debt was already discharged in bankruptcy and is no longer owed
Company Response: Closed with explanation

Timely Response

2019-03-27

Pinellas Park, 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: I have lodged disputes with DYCK O'Neal with the belief it has reported negative items to my credit report not in compliance with Consumer Protection Law. Specifically, the FCRA and the FDCPA. I most recently requested them to investigate beginning in XX/XX/XXXX and XXXX XXXX have also asked for assistance from each of the credit bureaus to resolve this issue beginning in XX/XX/XXXX. I followed up with additional disputes XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX.
Company Response: Closed with explanation

Timely Response