First Federal Credit Control
Consumer Complaints
There are over 403 complaints on file for First Federal Credit Control. Dated between 2019-12-13 and 2013-08-16.
Complaints Page 2
2019-08-25
South Florida, FL
Improper use of your report
Credit reporting, credit repair services, or other personal consumer reports: Credit reporting
Reporting company used your report improperly
Complaint: I previously mentioned that my name was leaked in a previous breach and personal information but that doesn't give you the right to use my credit or attempt to use my credit without my permission. By using third party, and collection companies and or credit companies paying out for information is a violation. You have violated my rights by providing incorrect on my credit report. I don't owe any medical bills at this time and never have owed in the past. Also, you have tried to sneak that same account unto my credit a few days after it was removed. That is clearly breaking the law and this matter will be taken upon court. I have the documented dates on all certified signature copies. This isn't a threat i am well aware of my rights and know for sure i am willing to take it to court to insure I'm payed for the damages and problems you have caused to my credit. Please note, I am providing you with an additional opportunity to have this account removed with this week deleted from my credit reports if you have not already done so.
I have no desire to cause you unnecessary difficulty, however, this entry of my private health care information, on my credit report, for an account that no longer has ANY permitted business purpose waiver since there is NO payment due, has caused injury to my credit reputation, and has left me no choice but to proceed with the following : Upon my receipt of the FCRA and FACTA mandated reply from ( CRA ), if the account has NOT been deleted in its entirety, I will take appropriate action to enforce my rights under the HIPAA, FCRA and FACTA rules, ARRA and Florida 's Consumer Protection and Medical Privacy statutes.
account : 1. XXXX XXXX XXXX XXXX {$200.00} 2. First Fed Credit Control {$840.00} Sincerely, XXXX XXXX
Company Response: Company believes it acted appropriately as authorized by contract or law Closed with explanation
2019-08-25
South Florida, FL
Incorrect information on your report
Credit reporting, credit repair services, or other personal consumer reports: Credit reporting
Information belongs to someone else
Complaint: I previously mentioned that my name was leaked in a previous breach and personal information but that doesn't give you the right to use my credit or attempt to use my credit without my permission. By using third party, and collection companies and or credit companies paying out for information is a violation. You have violated my rights by providing incorrect on my credit report. I don't owe any medical bills at this time and never have owed in the past. Also, you have tried to sneak that same account unto my credit a few days after it was removed. That is clearly breaking the law and this matter will be taken upon court. I have the documented dates on all certified signature copies. This isn't a threat i am well aware of my rights and know for sure i am willing to take it to court to insure I'm payed for the damages and problems you have caused to my credit. Please note, I am providing you with an additional opportunity to have this account removed with this week deleted from my credit reports if you have not already done so. I have no desire to cause you unnecessary difficulty, however, this entry of my private health care information, on my credit report, for an account that no longer has ANY permitted business purpose waiver since there is NO payment due, has caused injury to my credit reputation, and has left me no choice but to proceed with the following : Upon my receipt of the FCRA and FACTA mandated reply from ( CRA ), if the account has NOT been deleted in its entirety, I will take appropriate action to enforce my rights under the HIPAA, FCRA and FACTA rules, ARRA and Florida 's Consumer Protection and Medical Privacy statutes. account : 1. XXXX XXXX XXXX XXXX {$200.00} 2. First Fed Credit Control {$840.00} Sincerely, XXXX XXXX
Company Response: Company believes it acted appropriately as authorized by contract or law Closed with explanation
2019-08-21
Belle Isle, FL
Attempts to collect debt not owed
Debt collection: Medical debt
Debt is not yours
Company Response: Company believes it acted appropriately as authorized by contract or law Closed with explanation
2019-08-20
Hialeah, FL
Written notification about debt
Debt collection: Medical debt
Didn't receive enough information to verify debt
Company Response: Company believes it acted appropriately as authorized by contract or law Closed with explanation
2019-08-18
Boca Raton, FL
Written notification about debt
Debt collection: Medical debt
Didn't receive notice of right to dispute
Company Response: Company believes it acted appropriately as authorized by contract or law Closed with explanation
2019-08-18
Dallas, TX
Attempts to collect debt not owed
Debt collection: Medical debt
Debt is not yours
Company Response: Company believes it acted appropriately as authorized by contract or law Closed with explanation
2019-08-16
Ridley Park, PA
Written notification about debt
Debt collection: Medical debt
Didn't receive notice of right to dispute
Company Response: Company believes it acted appropriately as authorized by contract or law Closed with explanation
2019-08-16
Chapel Lakes, FL
False statements or representation
Debt collection: Medical debt
Attempted to collect wrong amount
Company Response: Company believes it acted appropriately as authorized by contract or law Closed with explanation
2019-08-09
Euclid, OH
Incorrect information on your report
Credit reporting, credit repair services, or other personal consumer reports: Credit reporting
Information belongs to someone else
Complaint: First Federal Credit Control has responded to my complaint only after I contacted the XXXX. FFCC has not validated the alleged debt they say I owe them in any form or fashion. I have received documentation that only proves that I have been in contact with them via certified mail over a year ago. They have continued to handle is alleged debt unprofessionally at best. I have received documents that are unprofessional and could have easily been fabricated. I have yet to receive any signed documents with my signature proving I owe them this alleged debt. They have sent proof that only solidifies my identity theft claim. FFCC is the only collection agency that has not cooperated with me in clearing up this matter and they have made a mockery of me and the said circumstances. Also, I find it very disrespectful to refer to me as a debtor without proof of their claim. I am a consumer just like every employee and owner that works for First Federal Credit Control and would like to be addressed as such. While this my only be business for FFCC, I am a consumer, and this effects my everyday life. As a consumer I have certain rights under federal law, and I have chosen to exercise them and should not be mocked in doing so. Again, First Federal Credit Control is in direct violation of federal law and under federal law must immediately stop reporting this erroneous information and delete this information from my credit file.
Company Response: Company believes it acted appropriately as authorized by contract or law Closed with explanation
2019-08-09
OH
Took or threatened to take negative or legal action
Debt collection: Medical debt
Threatened or suggested your credit would be damaged
Complaint: Via phone calls requested proof secondary insurance was billed. Also requested proof they billed in the mandatory time frame. The refused.
XXXX verbally stated via phone calls they have no record this claim was received to cover any/all of this balance after the portion paid by Primary insurance, XXXX
Company Response: Company believes it acted appropriately as authorized by contract or law Closed with explanation
2019-08-01
OH
Attempts to collect debt not owed
Debt collection: Medical debt
Debt is not yours
Complaint: First Federal Credit Control XXXX XXXX XXXX # XXXX XXXX, OH XXXX In 2016 I was covered by my husband 's employer sponsored medical insurance, XXXX XXXX XXXX XXXX of Illinois.
He was directly reimbursed {$760.00} for my XXXX ride by XXXX XXXX XXXX XXXX. Check was SOLEY in his name only as he was the employee. He deposited the check in his checking account but REFUSED to pay the bill. As my husband was the guarantor of my medical bills, ( as he was the sole breadwinner at the time as well as providing for my medical insurance through his employer, XXXX XXXX XXXX ) he is liable for this debt.
This is showing up on my XXXX Credit Report with a date of XX/XX/2016.
Phone calls to FFCC and online disputes have proved futile. Additionally, I have made a complaint to the XXXX.
Company Response: Company believes it acted appropriately as authorized by contract or law Closed with explanation
2019-08-01
Hialeah, FL
Written notification about debt
Debt collection: Medical debt
Didn't receive enough information to verify debt
Company Response: Company believes it acted appropriately as authorized by contract or law Closed with explanation
2019-07-29
Euclid, OH
Attempts to collect debt not owed
Debt collection: Medical debt
Debt was result of identity theft
Complaint: I am writing to you to complain about First Federal Credit ControlXXXX XXXX XXXX XXXX, XXXX, FL XXXX. I have found adverse account information listed on my credit reports. I have no known or verified accounts with this business and after repeated verification request FFCC has not responded to my certified letters and continue to report to XXXX, XXXX, XXXX, and XXXX ( all major credit reporting agencies ) in violation of federal law. This company unlawfully reported to the credit bureaus as resent as XX/XX/2019. First Federal Credit Control has continued to damage my credit rating and has caused me denial of credit by reporting inaccurate information to all the three major credit bureaus. The erroneous accounts are in the amount of {$430.00}, {$86.00} and {$85.00}. The accounts are erroneous, inaccurate and unverified and remain on my credit report causing adverse actions as well as denials of credit and adequate housing. I attempted to contact First Federal Credit Control multiple times via registered USPS certified mail with return receipts which prove FFCC has blatantly ignored my attempts resolve this issue and they have not responded to my requests. Please contact me to let me know how to resolve this issue. This has been ongoing for over a year with this company and enough is enough!
Company Response: Company believes it acted appropriately as authorized by contract or law Closed with explanation
2019-07-15
Euclid, OH
Written notification about debt
Debt collection: Other debt
Didn't receive enough information to verify debt
Complaint: XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX OH XXXX Notice for Proof of Claim Account : FIRST FED CREDIT CONTROL # XXXX To Whom it may Concern : This is a this complaint is submitted Under OHIO LAW U.C.C 1319.12 Taking assignment of debts States ( C ) No collection agency shall commence litigation for the collection of an assigned account, bill, or other evidence of indebtedness unless it has taken the assignment in accordance with all of the following requirements : Credit contracts are non-assignable even if the contract has a clause for assign ability because it violates contract Law. Where there is no fair valuable consideration given, the contract or agreement is void ab inito. The debt is non-transferable. If it is a contract for credit or goes to the character of the parties, it can not be transferred or assigned. No state can make a law impairing contracts, Under OHIO LAW U.C.C 1319.12 Taking assignment of debts ( 3 ) The assignment was manifested by a written agreement separate from and in addition to any document intended for the purpose of listing the account, bill, or other evidence of indebtedness with the collection agency. The written agreement shall state the effective date of the assignment and the consideration paid or given, if any, for the assignment and shall expressly authorize the collection agency to refer the assigned account, bill, or other evidence of indebtedness to an attorney admitted to the practice of law in this state for the commencement of litigation.
The written agreement also shall disclose that the collection agency may consolidate, for purposes of filing an action, the assigned account, bill, or other evidence of indebtedness with those of other creditors against an individual debtor or co-debtors. Dartmouth College v. Woodward 4 Wheat 518 : White v. Hart, 13 Id 646. Once the Creditor writes off a debt, it can not be assigned or Collected. Since this is an error I demand that you send me the following proofs. As you are obligated to do in accordance with the Fair Debt Collection Practice Act. Section 1692 ( g ) : Under the Law, FDCPA, Section 1692 ( g ), you have 30 days to supply these proofs, if more time is needed please contact me by certified mail and I will extend you 15 extra days. I also request to see a certified copy of any contract or agreement between you and MEDICAL-HOSP XXXX XXXX UNIVERSITY that gave you the right to collect this debt
Company Response: Company believes it acted appropriately as authorized by contract or law Closed with explanation
2019-07-11
Orlando, FL
Attempts to collect debt not owed
Debt collection: Medical debt
Debt is not yours
Company Response: Company believes it acted appropriately as authorized by contract or law Closed with explanation
2019-07-11
City Of Sunrise, FL
Written notification about debt
Debt collection: Medical debt
Didn't receive notice of right to dispute
Company Response: Company believes it acted appropriately as authorized by contract or law Closed with explanation
2019-07-09
Fort Lauderdale, FL
Attempts to collect debt not owed
Debt collection: Other debt
Debt is not yours
Company Response: Company believes it acted appropriately as authorized by contract or law Closed with explanation
2019-07-03
Clermont, FL
Attempts to collect debt not owed
Debt collection: Medical debt
Debt is not yours
Company Response: Company believes it acted appropriately as authorized by contract or law Closed with explanation
2019-06-28
Fort Lauderdale, FL
Attempts to collect debt not owed
Debt collection: Medical debt
Debt was paid
Company Response: Company believes it acted appropriately as authorized by contract or law Closed with explanation
2019-06-27
Delray Beach, FL
Written notification about debt
Debt collection: Medical debt
Didn't receive enough information to verify debt
Company Response: Company believes it acted appropriately as authorized by contract or law Closed with explanation
2019-06-26
Cleveland, OH
Incorrect information on your report
Credit reporting, credit repair services, or other personal consumer reports: Credit reporting
Information belongs to someone else
Company Response: Company believes it acted appropriately as authorized by contract or law Closed with explanation
2019-06-20
OH
Attempts to collect debt not owed
Debt collection: Medical debt
Debt was paid
Complaint: On XXXX XXXX, 2019 I paid First Federal Credit Control {$720.00} to pay in full 7 medical bills that were placed with them for collection. As of my XX/XX/2019 all 7 derogatory entries are still on my bureau.
Spoke to FFCC several times and they show that I paid accounts in full and claim to have sent this information to all 3 bureaus.
Company Response: Company believes it acted appropriately as authorized by contract or law Closed with explanation
2019-06-18
Sebring, FL
Attempts to collect debt not owed
Debt collection: Medical debt
Debt was result of identity theft
Complaint: I was a victim of Identity Theft, and upon review of my credit reports, noticed four collection accounts listed under First Federal Credit Control with the original creditor named XXXX XXXX XXXX XXXX Florida. After reviewing this information, I supplied written notice to First Federal Credit Control that the debt was a result of Identity Theft. I asked that they provide me with validation of the debt, stop collection proceedings of the debt, stop contacting me about the debt, and to delete items reported to any credit reporting agencies.
I received a response via US Mail, in which First Federal Credit Control provided a single-sheet billing statement as validation of the debt. According to the FTC this is not proper validation of a debt. There were no signed applications or other documentation to state they had a right to collect this debt. I mailed a second response stating that the accounts were indeed a result of Identity Theft, and asked that they take immediate steps to stop collecting the debt, notify the original creditor, and remove any information they furnished to a credit reporting agency.
A representative, XXXX XXXX, contacted me via phone from First Federal Credit Control on XX/XX/2019 to notify me that she was in receipt of my ID Theft Report, and she also stated that the Original Creditor has their own process for disputing debts resulting from ID Theft. I asked XXXX for the creditors contact information, and she replied that she did not have that information to provide and that I should just XXXX their name. She stated that they were collecting the debt on behalf of the creditor and that First Federal Credit Control did not own the debt. She stated there was nothing she could do and for me to contact them directly.
XX/XX/2019, I contacted First Federal Credit Control and again spoke to XXXX to see if I could get some clarification on the debt and why they were unable to help. She stated that because all of the information in my ID Theft Report matched their records, there was nothing she could do and directed me yet again to contact the original creditor. I stated that I did a search and multiple-like name came up in a search, and that I didnt really have time to go through each of them. She stated they had a PO Box but that most likely wouldnt help me because its probably just a lockbox for payments. She stated that she was able to pull them up on XXXX, and when I asked for the information she pulled, she again stated that I should just XXXX the name because thats most likely the information that I need. She stated that my social security number matched their records according The the ID Theft Report I provided for research. This is a false statement because I never supplied my social security number to their agency.
I was able to locate the contact information for the original creditor, XXXX XXXX XXXX XXXX Florida. I spoke to their billing department as directed, and I was informed that the debts had been charged off and sold to First Federal Credit Control, meaning they owned the debt, and I was advised that the collection agency was never advised that I must follow a different procedure as First Federal Credit Control owns the debt, not the original creditor.
First Federal Credit Control is attempting to : .Collect on a debt without proper validation, no signature, or no agreement that they had to collect the debts on behalf of the creditor .Inaccurately reporting information to a credit bureau that was a result of Identity Theft, and harming my reputation for refusal to remove that information from my credit files. Making false statements to mislead a debtor hoping I would give in and just accept they were not going to take the actions that I requested them to make.
Company Response: Company believes it acted appropriately as authorized by contract or law Closed with explanation
2019-06-11
Cleveland, OH
Attempts to collect debt not owed
Debt collection: Medical debt
Debt is not yours
Company Response: Company believes it acted appropriately as authorized by contract or law Closed with explanation
2019-06-11
Cleveland, OH
Attempts to collect debt not owed
Debt collection: Medical debt
Debt is not yours
Company Response: Company believes it acted appropriately as authorized by contract or law Closed with explanation