EOS Holdings, Inc

2019-03-13

Phoenix, AZ

Attempts to collect debt not owed

Debt collection: Other debt

Debt is not yours
Complaint: I have a debt collection for a utility bill I never used. The services appear to have originated from the creditor XXXX XXXX. I have never used services with this company nor provided anyone else my information to do so.
Company Response: Closed with explanation

Timely Response

2019-03-12

Brooklyn, NY

Written notification about debt

Debt collection: I do not know

Notification didn't disclose it was an attempt to collect a debt
Complaint: Received a text message without a notification that the message was an attempt to collect a debt from XXXX, which is illegal. Supposedly this is eos cca.
Company Response: Closed with explanation

Timely Response

2019-03-12

Lancaster, SC

Attempts to collect debt not owed

Debt collection: I do not know

Debt was result of identity theft
Company Response: Closed with explanation

Timely Response

2019-03-10

Three Bridges, NJ

Written notification about debt

Debt collection: I do not know

Didn't receive notice of right to dispute
Company Response: Closed with explanation

Timely Response

2019-03-01

Lorton, VA

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 explanation

Timely Response

2019-02-27

West Newfield, ME

Attempts to collect debt not owed

Debt collection: Other debt

Debt was result of identity theft
Company Response: Closed with explanation

Timely Response

2019-02-26

Kawaihae, HI

Attempts to collect debt not owed

Debt collection: Other debt

Debt was already discharged in bankruptcy and is no longer owed
Complaint: Starting back in XXXX, a debt collection company that goes by the name XXXX XXXX XXXX EOS XXXX, and XXXX XXXX XXXX XXXX XXXX has been continually mailing me letters claiming I owe them {$810.00} and XXXX is the original creditor. Its come to my attention that this debt was XXXX in my Chapter XXXX Bankruptcy back in early XX/XX/XXXX. And that is public information through XXXX. Plus Ive also written to this company on a couple occasions in the past and also just recently explaining to them that this debt was XXXX in bankruptcy back in XXXX. This is a clear violation of Title 11 U.S. Code 524 ( a ) ( 2 ). They have ignored and disregarded this information every time Ive told them and they still continue to insist that I owe them this money. In XXXX of XXXX I even had one representative from their customer relations department, via a phone call, say to me she didnt care about the bankruptcy that all she cared about was collecting money from me for this debt. On XX/XX/XXXX they openly admitted to you CFPB that the XXXX statements that they are in possession of are dated XX/XX/XXXX & XX/XX/XXXX, which shows they were aware this debt was XXXX in my XX/XX/XXXX bankruptcy. And in addition to all of that they are currently paying to report negative derogatory information on all 3 of my major credit bureau files. Which is in violation of the FCRA which states that while an item is being investigated the debt collector MUST indicate that the account is under dispute and must remove/cease from reporting any information on the item. Again they completely disregard this as well. Public records show across the entire US show that XXXX XXXX XXXX EOS XXXX XXXX XXXX XXXX XXXX XXXX continually violate the laws set forth regulating their practices in multiple lawsuits filed against them, many of which have been found in favor of the consumer. And theyve already been the defendant in class action suites as well. And yet they still remain in business to continue on with their unfair illegal collection practices. Obviously money paid out for law suites against them does nothing to make them change their practices so to be within the law. I sincerely appreciate the helping with the matter. But ultimately what really needs to take place is someone / some agency looking into all the complaints and lawsuits against them as a whole big picture of the company and stopping them from continually being able to break the law and hurt many consumers. Its not fair to all of us consumers that they essentially get away with deceptive, hurtful, illegal practices with no more than a financial slap on the wrist.
Company Response: Closed with explanation

Timely Response

2019-02-26

Midland, TX

Written notification about debt

Debt collection: Medical debt

Didn't receive enough information to verify debt
Company Response: Closed with explanation

Timely Response

2019-02-25

OR

Attempts to collect debt not owed

Debt collection: Other debt

Debt is not yours
Complaint: Written letter XX/XX/2019, saying XXXXXXXX XXXX authorized them to collect half of a debt that I have never seen before in my life. Most recently I was a XXXX customer, it's been years since I've had a XXXX XXXX account.
Company Response: Closed with explanation

Timely Response

2019-02-23

East Rockaway, NY

Incorrect information on your report

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

Information belongs to someone else
Complaint: I'M A VICTIM OF FRAUD AND IM REACHING OUT TO HELP ME IN EXPEDITING THIS MATTER WITH THE CREDITORS AND THE CREDIT BREAUS. HERES THE LIST OF ACCOUNTS ACCOUNTS -XXXX XXXX - {$300.00} XXXX XXXX XXXXXXXX XXXX - {$8600.00} XXXX - {$8600.00} XXXX XXXX - {$1700.00} XXXX XXXX -XXXX XXXX XXXX - {$540.00} -XXXX XXXX {$320.00} -XXXX XXXX XXXX - {$320.00} XXXX XXXX XXXX XXXX {$210.00} -XXXX XXXX XXXX
Company Response: Closed with explanation

Timely Response

2019-02-22

Laurel, MD

Attempts to collect debt not owed

Debt collection: Other debt

Debt is not yours
Company Response: Closed with explanation

Timely Response

2019-02-21

Discovery Bay, CA

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: After sending certified, return receipt letters to XXXX on XX/XX/18, which they received on XX/XX/18, reporting that there were inaccuracies on my credit report that there is an account in collections with Eos Cca, account # XXXX. I requested that I would like some type of verification for the supposed debt that was bearing my signature, and I never received any type of verification of any kind. All that was sent to me was a letter saying that the supposed debt had been verified and that it was accurate according to them. Waiting over 30 days ( which is how long XXXX is allowed to verify any disputes legally ), I then sent another letter on XX/XX/18, which was received on XX/XX/18 ( again, certified with return receipt ), stating that I had still not received any type of verification of any kind, let alone any type of verification of the supposed debt that was bearing my signature, as I had requested. Upon checking my credit report, the non-verified debt is still there, causing a negative effect on my credit score, as well as public humiliation throughout my local community. Since no verification of any kind has ever been sent to me or provided by XXXX, I am seeking that this particular inaccurate assumption is removed immediately. Not only has no information bearing my signature ever been provided when requested, but is also Violations of the Fair Credit Reporting Act - including but not limited to Section 611, such as : -FCRA, Section 611 ( a ) ( 1 ) ( A ) -FCRA, Section 611 ( a ) ( 6 ) and ( 7 ) Depending upon how this matter is handled, I will also be detailing any potential issues via an online public press release, including any documentation of potential small claims action.
Company Response: Closed with explanation

Timely Response

2019-02-21

Bayamon, PR

Written notification about debt

Debt collection: Other debt

Didn't receive enough information to verify debt
Company Response: Closed with explanation

Timely Response

2019-02-21

Chester, VA

False statements or representation

Debt collection: Other debt

Attempted to collect wrong amount
Complaint: I disputed this reporting XXXX of 2018 and my XXXX removed this account from my report. However XXXX and XXXX refused to remove the account even though I left them know that XXXX had removed the account because it wasnt correct. I have called XXXX and requested they take the account off as well since XXXX did but they refused. I am trying to figure out why one company will remove the account but the other two will not.
Company Response: Closed with explanation

Timely Response

2019-02-20

Wallington, NJ

Written notification about debt

Debt collection: Other debt

Didn't receive enough information to verify debt
Company Response: Closed with explanation

Timely Response

2019-02-18

Federal Way, WA

Attempts to collect debt not owed

Debt collection: I do not know

Debt is not yours
Complaint: I pulled all 3 of my credit reports to find out what was showing on them, as I hadn't done it in a long time. I was shocked to see accounts that I do not recognize, including companies I've never done business with. One of these was : EOS CCA. The address LISTED ON the credit report is : XXXX XXXX XXXX XXXX, MA XXXX. I was advised by an attorney to send a " Validation '' Letter to them to validate the debt under the FDCPA and FCRA. It has been 60 days since I mailed that out, and under the FDCPA, the debt collector had 30 days to respond, and did not, which is a violation of the FCRA and FDCPA. Please note that before sending the validation letter to this company, I also sent a dispute letter to all 3 credit bureaus ( XXXX, XXXX, and XXXX ) and EOS CCA has NOT removed this account from my credit reports, or have sent me any kind of validation. I request for this company to remove this account from my credit reports immediately, as they have not followed the law, have reported inaccurate information on my credit reports, including FDCPA Section 809 ( b ), which carries a {$1000.00} fine for not validating the debt and still continuing to report it on my credit reports. Thank you for helping me resolve this matter.
Company Response: Closed with explanation

Timely Response

2019-02-16

Tallahassee, FL

Written notification about debt

Debt collection: Other debt

Didn't receive enough information to verify debt
Company Response: Closed with explanation

Timely Response

2019-02-16

Lakewood, CA

Threatened to contact someone or share information improperly

Debt collection: I do not know

Contacted your employer
Company Response: Closed with explanation

Timely Response

2019-02-12

Martinsville, VA

Attempts to collect debt not owed

Debt collection: Other debt

Debt is not yours
Company Response: Closed with explanation

Timely Response

2019-02-12

Bell Canyon, CA

Took or threatened to take negative or legal action

Debt collection: Other debt

Threatened to sue you for very old debt
Company Response: Closed with explanation

Timely Response

2019-02-12

Bell Canyon, CA

Took or threatened to take negative or legal action

Debt collection: Other debt

Threatened to sue you for very old debt
Company Response: Closed with explanation

Timely Response

2019-02-12

Carver, MA

Attempts to collect debt not owed

Debt collection: I do not know

Debt is not yours
Complaint: I recieved a NON-CERTIFIED/NON-REGISTERED letter on XX/XX/2019 from EOS CCA ( letter dated = XX/XX/2019 ). The letter stated that I owe their client " Commonwealth Of Massachusetts Department of Revenue '' a Tax Liability. The following information was included in the letter : -Taxpayer ID # : XXXX - EOS CCA Account : XXXX - Total Due : {$1200.00} " We are a collection agency attempting to collect a tax liability. Any information obtained will be used for that purpose. ''
Company Response: Closed with explanation

Timely Response

2019-02-11

Pottstown, PA

Attempts to collect debt not owed

Debt collection: Other debt

Debt is not yours
Company Response: Closed with explanation

Timely Response

2019-02-09

NC

Communication tactics

Debt collection: Private student loan debt

Frequent or repeated calls
Complaint: I had a loan with XXXX XXXX and after trying to work with them in 2017 to see what I could do to make payments since I couldnt afford them. I was told to apply for a forbearance or deferment right away without getting the option to see about an income driven repayment plan. Not only was I not aware of this but I was told I needed to pay {$50.00} dollars to be put into a forberence state which I couldnt afford to pay since I was living paycheck to paycheck just trying to survive. After all this happened, I stopped answering there phone calls for a short time to reset my thoughts and see about options. The very next time I communicated with them. They were rude, disrespectful and wouldnt let me talk without them talking over me. At the end of the phone call. I told them to stop calling me and to leave me alone. No sooner then the very next day, I started getting phone calls from them day after day after day. I answered quit a few times and told them to stop calling me especially since I was at work the majority of the time but still had no luck. The very last time they called me, I recieved a letter in the mail a couple days later saying they sold my loan to another company. My loan at the time with XXXX XXXX was around 5,800 dollars. By the end of everything when the loan sold, its over 8,000 now.
Company Response: Closed with explanation

Timely Response

2019-02-08

Phila, PA

Written notification about debt

Debt collection: Other debt

Didn't receive enough information to verify debt
Company Response: Closed with explanation

Timely Response