First Federal Credit Control

2017-01-20

Odessa, FL

Disclosure verification of debt

Debt collection: Other (i.e. phone, health club, etc.)

Not given enough info to verify debt
Company Response: Company believes it acted appropriately as authorized by contract or law Closed with explanation

Disputed: No Timely Response

2017-01-19

South Florida, FL

Cont'd attempts collect debt not owed

Debt collection: Medical

Debt was paid
Complaint: The institution in question mailed me a bill for {$56.00} after my visit which I had pay my co-pay. The statement had no due date and was payable by check, on XX/XX/2016 I paid the balance in full. Then on XX/XX/2016 after the balance was paid in full the institutions sent me to collections ; which now reflects a collection case on my credit report.
Company Response: Company believes it acted appropriately as authorized by contract or law Closed with explanation

Disputed: No Timely Response

2017-01-18

Pikeville, NC

False statements or representation

Debt collection: Medical

Attempted to collect wrong amount
Complaint: XXXX XXXX reported to the credit bureaus that I had an unpaid balance of {$290.00}. The balance should have been covered with by my health insurance company. I ended up switching jobs during the billing cycle, but I maintained health insurance the entire time. Nonetheless, I called them and the error was corrected and they said that I did not owe any money. They said they will have it removed from my credit reports. About 2 weeks later, I get a call stating my insurance did not cover it all and that left a balance of {$57.00}, I said okay, Remove the old amount of {$290.00} and I will pay the {$57.00} once it had been removed..A week or so after I spoke with them about the {$57.00}, It reported to my credit reports. So now i have XXXX collections on my credit report and it dropped my score significantly. I am in the process of trying to buy a home and this is conflicting with my pre approval from the bank. THey told me at XXXX XXXX that it should only take about two weeks to have it removed from my credit reports, but I have yet to see that happen.
Company Response: Company believes it acted appropriately as authorized by contract or law Closed with explanation

Disputed: No Timely Response

2017-01-12

Pikeville, NC

False statements or representation

Debt collection: Medical

Attempted to collect wrong amount
Complaint: I had an outstanding bill from XXXX XXXX that was incorrect due to my insurance information in the amount of {$290.00}. I contacted XXXX and gave them the insurance info they needed for the bill to be satisified. They agreed, zeroed out the account. About a week later they contacted me stating that my insurance did n't cover everything and left a balance of {$57.00}. I said okay, send me an invoice stating that amount and i will pay for it. I have talked to them on XXXX or XXXX accounts because both amounts are showing on my credit report as collections. XXXX for {$290.00} and XXXX for {$57.00}. I asked them to remove those amounts XXXX times now, and they still have not done so. It 's affecting my credit score and it is hurting my home buying process.
Company Response: Company believes it acted appropriately as authorized by contract or law Closed with explanation

Disputed: No Timely Response

2017-01-11

OH

Cont'd attempts collect debt not owed

Debt collection: I do not know

Debt is not mine
Complaint: reported to XXXX i have collections for unpaid bills these bills belong to my son same name different middle name
Company Response: Company believes it acted appropriately as authorized by contract or law Closed with explanation

Disputed: No Timely Response

2017-01-06

Austell, GA

Cont'd attempts collect debt not owed

Debt collection: I do not know

Debt is not mine
Company Response: Company believes it acted appropriately as authorized by contract or law Closed with explanation

Disputed: No Timely Response

2017-01-05

Deltona, FL

Cont'd attempts collect debt not owed

Debt collection: Medical

Debt is not mine
Company Response: Company believes it acted appropriately as authorized by contract or law Closed with explanation

Disputed: No Timely Response

2017-01-05

Flemington, FL

Cont'd attempts collect debt not owed

Debt collection: Medical

Debt was discharged in bankruptcy
Company Response: Company believes it acted appropriately as authorized by contract or law Closed with explanation

Disputed: No Timely Response

2016-12-26

Elyria, OH

Cont'd attempts collect debt not owed

Debt collection: Medical

Debt is not mine
Company Response: Company believes it acted appropriately as authorized by contract or law Closed with explanation

Disputed: No Timely Response

2016-12-21

Kingstown, NC

Cont'd attempts collect debt not owed

Debt collection: Medical

Debt was paid
Company Response: Company believes it acted appropriately as authorized by contract or law Closed with explanation

Disputed: No Timely Response

2016-12-19

Lk Buena Vis, FL

Cont'd attempts collect debt not owed

Debt collection: Medical

Debt is not mine
Complaint: I was billed for this item. during the time I had XXXX and XXXX. They only billed XXXX which left me with a bill. I do not owe this. When I have contact them in the past they have been very rude and refused an explanation and proof.
Company Response: Company believes it acted appropriately as authorized by contract or law Closed with explanation

Disputed: Yes Timely Response

2016-12-14

Lk Buena Vis, FL

Cont'd attempts collect debt not owed

Debt collection: Medical

Debt is not mine
Complaint: This is not my bill. At the time of service I had XXXX types of medical insurance that would have covered this bill.
Company Response: Company believes it acted appropriately as authorized by contract or law Closed with explanation

Disputed: No Timely Response

2016-12-13

Correll Park, NC

Cont'd attempts collect debt not owed

Debt collection: Other (i.e. phone, health club, etc.)

Debt is not mine
Company Response: Company believes it acted appropriately as authorized by contract or law Closed with explanation

Disputed: No Timely Response

2016-12-13

Lk Buena Vis, FL

Cont'd attempts collect debt not owed

Debt collection: Medical

Debt is not mine
Complaint: This is not mine. I have sent dispute letter with know response.
Company Response: Company believes it acted appropriately as authorized by contract or law Closed with explanation

Disputed: Yes Timely Response

2016-12-08

Clermont, FL

Cont'd attempts collect debt not owed

Debt collection: Medical

Debt is not mine
Complaint: These folks at XXXX of Florida is again claiming that I owe them. I filed a complaint against them here some time ago. I got an XXXX from them that caused me XXXX and so I brought it back to them and did not return there. XXXX. When I went by their offices, they accepted my insurance and additional payments that they required. I simply paid these people to hurt my XXXX and if that was not bad enough, they now have defamatory/derogatory mark on my credit report insisting that I owe them. Their representative First Federal Credit Control of XXXX XXXX XXXX XXXX, XXXX OH. XXXX XXXX XXXX, wrote to me. I replied to them requesting verification of this debt and the contact information for the XXXX of Florida. I did not hear back from them.
Company Response: Company believes it acted appropriately as authorized by contract or law Closed with explanation

Disputed: No Timely Response

2016-11-04

Alliance, OH

Cont'd attempts collect debt not owed

Debt collection: Medical

Debt is not mine
Company Response: Company believes it acted appropriately as authorized by contract or law Closed with explanation

Disputed: No Timely Response

2016-10-13

Crossings, FL

Cont'd attempts collect debt not owed

Debt collection: Medical

Debt is not mine
Company Response: Company believes it acted appropriately as authorized by contract or law Closed with explanation

Disputed: No Timely Response

2016-10-12

Cocoa, FL

Cont'd attempts collect debt not owed

Debt collection: Medical

Debt resulted from identity theft
Complaint: FIRST FEDERAL CREDIT ACCOUNT NUMBERs : XXXX XXXX/XXXX/XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, XXXX XXXX Phone : XXXX ATTENTION TO DISPUTE DEPARTMENT : Dear Sir or Madam : I am a victim of identity theft. An identity thief used my personal information without my permission to open an account several account in my name this debt is not mine. I have enclosed proof of my identity and a copy of my Identity Theft Report. In accordance with the Fair Debt Collection Practices Act, I am asking you to stop collection proceedings against me and stop communicating with me about this debt, except as the Fair Credit Reporting Act allows. I also ask that you FIRST FEDERAL CREDIT or any company associate with this account # XXXX and tell them the debt is the result of identity theft. I have enclosed a copy of the Federal Trade Commission 's police report Notice to Furnishers of Information. It explains your responsibilities under the Fair Credit Reporting Act ( FCRA ). The FCRA requires that debt collectors give an identity theft victim documents related to an account if the victim asks. Please send me copies of all records relating to the account, including : date account open all sign original contract including : Account applications made on paper, online, or by telephone Account statements or invoices Records of payment or charge slips Delivery addresses associated with the account Records of phone numbers used to activate or access the account Signatures on applications and accounts Investigators report Please send me a letter explaining what you have done to : FIRST FEDERAL CREDIT or any company associate with this account that the debt is the result of identity theft Stop collection proceedings against me Stop reporting information about the debt to credit reporting companies Provide me with the records I request Thank you for your cooperation. Sincerely, XXXX, XXXX XXXX SOC SEC # XXXX DOB XXXX/XXXX/XXXX ADDRESS XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX
Company Response: Company believes it acted appropriately as authorized by contract or law Closed with explanation

Disputed: No Timely Response

2016-10-05

Royal Palm Beach, FL

Disclosure verification of debt

Debt collection: I do not know

Not given enough info to verify debt
Company Response: Company believes it acted appropriately as authorized by contract or law Closed with explanation

Disputed: No Timely Response

2016-09-29

Arlington, VA

Disclosure verification of debt

Debt collection: Medical

Not given enough info to verify debt
Company Response: Company believes it acted appropriately as authorized by contract or law Closed with explanation

Disputed: No Timely Response

2016-09-18

Hinkley, CA

Disclosure verification of debt

Debt collection: Medical

Not disclosed as an attempt to collect
Complaint: I have never been notified or did I know about these medical bills. What do I do?
Company Response: Company believes it acted appropriately as authorized by contract or law Closed with explanation

Disputed: No Timely Response

2016-09-12

Key Biscayne, FL

Cont'd attempts collect debt not owed

Debt collection: Medical

Debt was paid
Complaint: I paid the XXXX the amount of {$270.00} on XXXX/XXXX/2016 and I have the online receipt. FIRST FEDERAL CREDIT CONTROL reported an open collection on XXXX/XXXX/2016 for the amount of {$230.00} for XXXX. They called me several times and I told them that I have paid. I do have the receipt number and a PDF copy. The payment also appears in my bank statements.
Company Response: Company believes it acted appropriately as authorized by contract or law Closed with explanation

Disputed: No Timely Response

2016-08-31

Brooklyn Heights, OH

Cont'd attempts collect debt not owed

Debt collection: Medical

Debt is not mine
Company Response: Company believes it acted appropriately as authorized by contract or law Closed with explanation

Disputed: No Timely Response

2016-08-20

Brooklyn, OH

Disclosure verification of debt

Debt collection: I do not know

Not given enough info to verify debt
Company Response: Company believes it acted appropriately as authorized by contract or law Closed with explanation

Disputed: Yes Timely Response

2016-08-17

Casselberry, FL

Disclosure verification of debt

Debt collection: I do not know

Not given enough info to verify debt
Company Response: Company believes it acted appropriately as authorized by contract or law Closed with explanation

Disputed: No Timely Response