First Federal Credit Control

2018-12-13

Kendall, FL

Attempts to collect debt not owed

Debt collection: Medical debt

Debt is not yours
Company Response: Closed with explanation

Timely Response

2018-12-13

Kendall, 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

Timely Response

2018-12-07

Euclid, OH

Attempts to collect debt not owed

Debt collection: I do not know

Debt is not yours
Complaint: I have repeatedly tried to fix this problem with First Federal Control FFCC. I know my rights and this account has not been investigated nor validated. I asked for cease and desist also, I asked for an investigation for this account requesting : To Whom It May Concern : Be advised this is not a refusal to pay, but a notice that your claim is disputed and validation is requested. Under the Fair Debt collection Practices Act ( FDCPA ), I have the right to request validation of the debt you say I owe you. I am requesting proof that I am indeed the party you are asking to pay this debt, and there is some contractual obligation that is binding on me to pay this debt. This is NOT a request for verification or proof of my mailing address, but a request for VALIDATION made pursuant to 15 USC 1692g Sec. 809 ( b ) of the FDCPA. I respectfully request that your offices provide me with competent evidence that I have any legal obligation to pay you. At this time I will also inform you that if your offices have or continue to report invalidated information to any of the three major credit bureaus ( XXXX, XXXX, XXXX XXXX ), this action might constitute fraud under both federal and state laws. Due to this fact, if any negative mark is found or continues to report on any of my credit reports by your company or the company you represent, I will not hesitate in bringing legal action against you and your client for the following : Violation of the Fair Debt Collection Practices Act and Defamation of Character. I am sure your legal staff will agree that non-compliance with this request could put your company in serious legal trouble with the FTC and other state or federal agencies. If your offices are able to provide the proper documentation as requested in the following declaration, I will require 30 days to investigate this information and during such time all collection activity must cease and desist. Also, during this validation period, if any action is taken which could be considered detrimental to any of my credit reports, I will consult with legal counsel for suit. This includes any listing of any information to a credit-reporting repository that could be inaccurate or invalidated. If your offices fail to respond to this validation request within 30 days from the date of your receipt, all references to this account must be deleted and completely removed from my credit file and a copy of such deletion request shall be sent to me immediately. It would be advisable that you and your client assure that your records are in order before I am forced to take legal action. CREDITOR/DEBT COLLECTOR DECLARATION Please provide the following : Agreement with your client that grants you the authority to collect on this alleged debt. Agreement that bears the signature of the alleged debtor wherein he/she agreed to pay the creditor. Any insurance claims been made by any creditor regarding this account. Any Judgments obtained by any creditor regarding this account. Name and address of alleged creditor. Name on file of alleged debtor. Alleged account number. Address on file for alleged debtor. Amount of alleged debt. Date this alleged debt became payable. Date of original charge off or delinquency. Verification that this debt was assigned or sold to collector. Complete accounting of alleged debt. Commission for debt collector if collection efforts are successful. Your claim can not and WILL NOT be considered if any portion of the above is not completed and returned with copies of all requested documents. This is a request for validation made pursuant to the Fair Debt Collection Practices Act. Please allow 30 days for processing after I receive this information back. cc Federal Trade Commission I have not received none of the information I requested.
Company Response: Company believes it acted appropriately as authorized by contract or law Closed with explanation

Timely Response

2018-12-06

Carpolis, PA

Incorrect information on your report

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

Account status incorrect
Company Response: Company believes it acted appropriately as authorized by contract or law Closed with explanation

Timely Response

2018-11-28

Key Biscayne, 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

Timely Response

2018-11-27

Key Biscayne, FL

Improper use of your report

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

Credit inquiries on your report that you don't recognize
Company Response: Company believes it acted appropriately as authorized by contract or law Closed with explanation

Timely Response

2018-11-16

Improper use of your report

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

Reporting company used your report improperly
Company Response: Company believes it acted appropriately as authorized by contract or law Closed with explanation

Timely Response

2018-11-14

Jupiter, FL

Attempts to collect debt not owed

Debt collection: Credit card debt

Debt is not yours
Complaint: I first contacted First Federal Credit Control about a {$130.00} collection item on XX/XX/XXXX. I asked them to validate the debt. See attached letter. They ignored my request. I have written to them every month since then but to no avail. Apparently FFCC is not familiar with the requirements of the Fair Debt Collections Practice Act that requires them to remove any reporting if they can not validate it. I need your help in getting them to comply with the law.
Company Response: Company believes it acted appropriately as authorized by contract or law Closed with explanation

Timely Response

2018-10-24

Rock Hill, SC

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

Timely Response

2018-10-24

Rochester, 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

Timely Response

2018-10-19

Rochester, 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

Timely Response

2018-10-19

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

Their investigation did not fix an error on your report
Complaint: I had a XXXX procedure on XX/XX/XXXX. Insurance paid benefits, and I paid the balance. {$500.00} of the bill was excluded from insurance coverage because the procedure was disallowed, as it was incidental to the billing code that was paid. At the time of the XXXX, XXXX XXXX, XXXX, was an employee of the doctor doing the procedure, and was paid by his office. She subsequently left the doctor 's employ, and attempted to collect the {$500.00} that was disallowed. I refused to pay her bill, as she should have been paid by the doctor, and her dispute was with him. 2 years later, in a letter dated XX/XX/XXXX, First Federal Credit Control , Inc. a debt collection company, wrote that XXXX XXXX, XXXX, referred my account to them for collection. On XX/XX/XXXX, I asked my husband to call First Federal to dispute the validity of the debt. He spoke to XXXX XXXX, and gave her the information, and faxed her proof of the debt not being valid. Neither Ms. XXXX, nor anyone else has been in contact with me by mail, phone, fax, or email since. We contacted the appropriate credit reporting agencies and filed a dispute. We are in the process of purchasing a home, and when our credit was pulled recently, the invalid collection was still being reported. My husband contact Ms. XXXX again in the last few days to get this matter resolved. She declined.
Company Response: Company believes it acted appropriately as authorized by contract or law Closed with explanation

Timely Response

2018-10-16

Rochester, 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

Timely Response

2018-10-10

Melrose, NM

Incorrect information on your report

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

Old information reappears or never goes away
Complaint: I got alot of different Medical debt that keeps showing up on my report under new postings despite some if it is 5-7 years old Also got a bank reporting and its been 12-15 years since i've had an account with them XXXX XXXX XXXX Last reported : XX/XX/2018 {$1600.00} Needs Attention XXXX XXXX Last reported : XX/XX/2018 {$1000.00} Needs Attention FIRST FED CREDIT CONTROL Last reported : XX/XX/2018 {$1000.00} Needs Attention XXXX XXXX Last reported : XX/XX/2018 {$710.00} Needs Attention XXXX XXXX Last reported : XX/XX/2018 {$340.00} Needs Attention XXXX XXXX XXXX XXXX Last reported : XX/XX/2018 These are just to bring a few.
Company Response: Company believes it acted appropriately as authorized by contract or law Closed with explanation

Timely Response

2018-10-09

Melbourne, FL

Communication tactics

Debt collection: Medical debt

You told them to stop contacting you, but they keep trying
Company Response: Company believes it acted appropriately as authorized by contract or law Closed with explanation

Timely Response

2018-10-09

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

Timely Response

2018-10-04

Golden Isles, 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

Timely Response

2018-09-28

Concord Twp, OH

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

Timely Response

2018-09-26

East Liberty, PA

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: Company believes it acted appropriately as authorized by contract or law Closed with explanation

Timely Response

2018-09-25

OH

Incorrect information on your report

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

Account status incorrect
Complaint: Since XXXX of XXXX I've been contacting First Federal Credit Control and have been transfered to XXXX XXXX every month regarding their False Reporting to XXXX for a medical bill which they specifically stated they did not have any contact information for me and this is why XXXX XXXX XXXX XXXX gave the information to FFCC. I must say after hours and hours of research and getting to the bottom of this, the physician had all information prior to seeing them. Then FFCC argued for about 2 months, XXXX XXXX from FFCC wanted all types of proof of this bill being paid. It was paid prior to them reporting this. I proved it and she said it should come off my report because there is no debt and she was sorry it happened but it was reported because they supposedly didnt have any of my information. Finally in XXXX of XXXX FFCC emailed me a copy of what they said they sent to the Credit agencies. XXXX XXXX and XXXX XXXX. Every month to this day this is still reporting and now when i call XXXX just tells me to have XXXX call her ( this does not happen and XXXX said they will never call a collector ) Now, FFCC stated that they do not call the Credit Agencies and so now FFCC is totally in the wrong by not helping me ( the consumer ) do to their error. this is affecting my Credit Score by 20+ points and is obsurd that this is still on my XXXX XXXX both companies should merge together because XXXX and FFCC do not care about anything they do that affects others. Horrible at trying to help the consumer get the correct reporting information.
Company Response: Company believes it acted appropriately as authorized by contract or law Closed with explanation

Timely Response

2018-09-21

Kendall, 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

Timely Response

2018-09-17

Plymouth, FL

False statements or representation

Debt collection: Medical debt

Attempted to collect wrong amount
Complaint: I received a letter from XXXX XXXX stating that I owe the collector {$560.00} Acct # XXXX she enclosed the statement with account # XXXX which clearly states that the balance is {$0.00} This account collection is in violation of HIPAA Act of 1996
Company Response: Company believes it acted appropriately as authorized by contract or law Closed with explanation

Timely Response

2018-09-10

Deltona, 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

Timely Response

2018-08-30

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

Timely Response

2018-08-29

PA

False statements or representation

Debt collection: I do not know

Attempted to collect wrong amount
Complaint: I was randomly charged by a company called First Federal Credit Control , Inc. for the amount of {$150.00} USD as I have no association with this company. I submitted a request to inquire on the incident on their website and received no communication to remove this statement. I initially noticed this bill when I saw my credit score drop. I've read reviews for this company and it is clear that this is not the first incident. I am very upset and I hope you can help me resolve this matter ; I have submitted a XXXX dispute claim as well. Thank you for your time. Best, XXXX
Company Response: Company believes it acted appropriately as authorized by contract or law Closed with explanation

Timely Response