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 3
2019-05-31
Kissimmee, FL
Took or threatened to take negative or legal action
Debt collection: Medical debt
Threatened or suggested your credit would be damaged
Company Response: Company believes it acted appropriately as authorized by contract or law Closed with explanation
2019-05-30
Country Lakes, 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
2019-05-22
Carol City, FL
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
2019-05-17
Lk Buena Vis, 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
2019-05-13
Key Biscayne, FL
Written notification about debt
Debt collection: Medical debt
Didn't receive notice of right to dispute
Complaint: Date:XX/XX/19 I didn't receive any notifications, I only saw my credit score decrease and when I checked why, I saw I was in a public debt collect agency. The amount I owed was {$170.00} usd. I called the agency and may the payment and two month ago it's still open.
Company Response: Company believes it acted appropriately as authorized by contract or law Closed with explanation
2019-05-09
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
2019-05-09
WV
Attempts to collect debt not owed
Debt collection: Medical debt
Debt is not yours
Complaint: reported negative information on my credit report. the patient was not me or my child. The patient is an adult which i have no durable power of attorney or any other instrument to make me liable for medical bills
Company Response: Company believes it acted appropriately as authorized by contract or law Closed with explanation
2019-05-09
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
2019-05-04
Cleveland, OH
Attempts to collect debt not owed
Debt collection: I do not know
Debt is not yours
Company Response: Company believes it acted appropriately as authorized by contract or law Closed with explanation
2019-04-27
Euclid, OH
Attempts to collect debt not owed
Debt collection: Medical debt
Debt was already discharged in bankruptcy and is no longer owed
Complaint: I have retained legal counsel and will be filing XXXX. Please cease and desist and do not credit report.
Company Response: Company believes it acted appropriately as authorized by contract or law Closed with explanation
2019-04-25
Cleveland, OH
Attempts to collect debt not owed
Debt collection: I do not know
Debt is not yours
Company Response: Company believes it acted appropriately as authorized by contract or law Closed with explanation
2019-04-19
Jupiter, FL
Took or threatened to take negative or legal action
Debt collection: Medical debt
Threatened or suggested your credit would be damaged
Complaint: First Federal Credit XXXX XXXX XXXX. # XXXX XXXX, Ohio XXXX These people are debt collectors. I disputed a bill from a XXXX for charges they allege were not included in the payment they received from my insurance company.
I was refused treatment by this provider and they made an insurance claim anyway which was paid and are seeking additional money from me.
The debt collector reported to the credit rating agencies a " debt in collection '' which reduced my credit score by 31 points.
I called the debt collection woman and she said she could do this even if the debt was disputed. That's not my understanding.
I just kow tow downed to their questionable legal blackmail and paid the {$110.00} to reinstate my good credit rating.
The creditor they are stating who they are doing the collection process is not the doctor that I saw these people here are not even in the state. They got me confused with someone else and they damaged my credit.
Company Response: Company believes it acted appropriately as authorized by contract or law Closed with explanation
2019-04-17
Westfield Ctr, OH
Incorrect information on your report
Credit reporting, credit repair services, or other personal consumer reports: Credit reporting
Information belongs to someone else
Complaint: There are 2 accounts on my credit that are effecting my score that are not fine and need removed asap from all 3 credit agencies I am writing to dispute the items I have attached in this letter that are on my credit report. I have also included my drivers license to validate my identity. There are multiple items that do not belong on my credit report That I have disputed in the past and you have removed from my credit. Now they are appearing again and my credit has dropped 50 points. These need to be removed and my credit score be updated. This is very disturbing to me as I work very hard, I have insurance and these accounts are not mine that are on my credit. I am not sure why you have put them back on but the other 2 credit bureaus have removed them and I need this updated ASAP In accordance with the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ) Federal Law require your credit reporting agency to verify physical records on file of the original signed account or contract from any accounts you post on my credit report.
I am formally requesting to see verifiable proof of the original consumer contract with my personal signature on record. I have listed the accounts below, in which I am requesting said verification of. Failure to verify account records in compliance with the FCRA will damage my ability to obtain credit. Under FCRA unverifiable accounts must be promptly removed.
I formally demand the following negative accounts be verified, and/or removed immediately.
XXXX XXXX XXXX First Federal Credit XXXX XXXX XXXX XXXX XXXX First Federal Credit XXXX XXXX
Company Response: Company believes it acted appropriately as authorized by contract or law Closed with explanation
2019-04-12
Stevenson, MD
Written notification about debt
Debt collection: Medical debt
Didn't receive enough information to verify debt
Complaint: On XX/XX/XXXX I spoke with First FederalCredit Control. On XX/XX/XXXX, I sent a letter to First Federal Credit Contro asking them to provide me with the following information to validate a debt 0f {$310.00} from XXXX they are claiming was transferred to them from XXXX XXXX XXXX. I asked them to provide me with the following information : I am requesting that your office provide me with complete documentation to verify that I owe the said debt and have any legal obligation to pay First Federal Credit Control. 1. Agreement with the creditor that authorizes you to collect on this alleged debt. 2. The agreement bearing my signature for this debt. 3. Valid copies of the debt agreement stating the amount of the debt and interest charges. 4. Proof that the statute of limitations has not expired. 5. Complete payment history on this account along with an accounting of all additional charges being assessed. 6. Show me that you are licensed to collect in my state and your license numbers and Registered Agent. They did not provide me with any of the information that I asked for. They provide a document with supposed information from XXXX XXXX, however, XXXX XXXX is in XXXX, MD, not XXXX, MA. They are not authorized to collect on this account and the information should be removed from my credit file.
Company Response: Company believes it acted appropriately as authorized by contract or law Closed with explanation
2019-04-12
Glenmont, OH
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 was a patient at XXXX XXXX ( hospitsl medical ) in XXXX XXXX, Ohio.The First Federal Credit Control put 8 seperate reports on my credit report. They itemized the indivual daily charges. There 5 at XXXX.. XXXX.. XXXX.. {$61.00}.
This has affected my credit report as well as my score. If they add all charges into one derogatory credit, it will improve my report and score tremendously. I was under the impression that medical bills not supposed to be on reports.
Company Response: Company believes it acted appropriately as authorized by contract or law Closed with explanation
2019-04-08
OH
Written notification about debt
Debt collection: Medical debt
Didn't receive enough information to verify debt
Complaint: First Federal Credit Control sent me a notice of an alleged debt to XXXX XXXX. I am unaware of any debt owed to XXXX XXXX. I do not believe I owe any medical bills/debts as I am a Medicaid/XXXX recipient. However, weather I owe this alleged debt or not is not my complaint. First Federal Credit Control reported this alleged debt to at least one of the three major credit bureaus in violation of the FDCRA. According to the FDCRA I have 30 days from the date of notice to respond asking for debt validation. First Federal Credit Control letter is clearly dated for XX/XX/2019. First Federal Credit Control reported this alleged debt effective XX/XX/2019 which is in clear violation of my rights and has caused my perfect credit rating to suffer. I am XXXX years old and do not have any outstanding medical debts or any other unpaid debts for that matter. First Federal Credit Control insufficient proof of this debt before reporting this erroneous debt to the credit bureaus may cause me denial of credit, adequate housing and higher rent/deposits. First Federal Credit Control would have known that this alleged debt is erroneous and inaccurate if they were not in violation of my consumer rights and followed the federal law and they are aware of this.
Company Response: Company believes it acted appropriately as authorized by contract or law Closed with explanation
2019-04-08
Akron, OH
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
2019-04-04
Clermont, FL
Attempts to collect debt not owed
Debt collection: Medical debt
Debt is not yours
Complaint: My credit report shows the following depts from first fed credit control : XX/XX/2017 {$1100.00} XX/XX/2017 {$800.00} XX/XX/2017 {$420.00} XX/XX/2017 {$1100.00} These debts do not belong to me.
Company Response: Company believes it acted appropriately as authorized by contract or law Closed with explanation
2019-04-03
Lox, 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
2019-03-29
TX
Attempts to collect debt not owed
Debt collection: Medical debt
Debt was result of identity theft
Complaint: I have called this original creditor company several times informing them that I was a part of several government and XXXX data breeches. I have submitted to the credit bureau all of the police reports and the fraud reports filed during the time prior to, during and after this debt being added to my credit report. I am not sure what else I need to do.Its as if they want to collect from me on a debt even if it is fraudulent. There has to be some recourse for them not taking my identity theft into account. This has damaged me financially and emotionally because I am unable to secure credit line due to this fraudulent account being on my credit report.
I have even filled out papers for the original creditor informing them that this is a fraudulent account. I have gotten not response each time I filled it out. When I would follow up after a month I am told to fill the same papers out all over again. It is frustrating and unfair to me.
The credit reporting agency told me that all the collections company have to do is to send an electronic message to them claiming they investigated and found the account is mines. So they can lie as if they have reached out to me and conducted a verification and it will remain on my credit file.
Also These accounts were once deleted from my file and then allowed to be added back by the credit reporting agency.
Company Response: Company believes it acted appropriately as authorized by contract or law Closed with explanation
2019-03-28
Akron, 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
2019-03-27
Poland, OH
Communication tactics
Debt collection: Medical debt
Used obscene, profane, or other abusive language
Company Response: Company believes it acted appropriately as authorized by contract or law Closed with explanation
2019-03-27
Poland, OH
Communication tactics
Debt collection: Medical debt
Used obscene, profane, or other abusive language
Company Response: Company believes it acted appropriately as authorized by contract or law Closed with explanation
2019-03-18
PA
Written notification about debt
Debt collection: Medical debt
Didn't receive notice of right to dispute
Complaint: i never received anything stating that i owed this company money. My first time seeing this is when i pulled my credit report. Never got a notice in the mail nothing.
Company Response: Company believes it acted appropriately as authorized by contract or law Closed with explanation
2019-03-14
St Heights, MI
Written notification about debt
Debt collection: I do not know
Didn't receive notice of right to dispute
Company Response: Company believes it acted appropriately as authorized by contract or law Closed with explanation