ONLINE Information Services, Inc.

2018-09-04

KY

Attempts to collect debt not owed

Debt collection: I do not know

Debt is not yours
Complaint: Online Information Services sent me a letter for an alleged debt I do not owe. When you speak with them they become evasive and hostile which is a flagrant violation of the Fair Debt Collection Practices Act. I have never heard of Online Information Services prior to their letter nor do I owe them any alleged debt. They flagrantly violate the Fair Debt Collection Practices Act with their hostile and evasive debt collection practices.
Company Response: Closed with explanation

Timely Response

2018-08-29

Kendall, FL

False statements or representation

Debt collection: Medical debt

Attempted to collect wrong amount
Complaint: I XXXX XXXX have contacted " ONLINE INFORMATION XXXX '' on numerous occasions and have not gotten anywhere in regards to the debt. XXXX the collections XXXX was handling my issue and never got back with me in regards remaining balance. Every time I would call the collections company I would constantly be handed off to a new person and get nowhere with the issue at hand. The debt should be paid off by XXXX insurance. Some of the debts were processed and paid off by the insurance except the balance of {$120.00}. When speaking with the claims department at XXXX they notified me that there was never a claim put in for the amount. All other amounts had a claim put in by " ONLINE INFORMATION XXXX '' and had been paid for. I am an XXXX XXXX service member and this ongoing issue and unprofessionalism by " ONLINE INFORMATION XXXX '' is now affecting my job clearance in the military. Any help on this would be greatly appreciated. Thank you in advance. - XXXX XXXX
Company Response: Closed with explanation

Timely Response

2018-08-27

Keyport, WA

Attempts to collect debt not owed

Debt collection: Other debt

Debt is not yours
Complaint: According to my credit reports, Online Collections is claiming that I owe a bill to XXXX XXXX for {$860.00} which is not correct as I have never had an account with XXXX XXXX. I did live with someone whom had an account, but I never gave XXXX XXXX the authorization to add me as a financially responsible party as I paid my rent to another ( which included all utilities ). I also know the person who was financially responsible had filed bankruptcy so I see this as XXXX XXXX & Online Collections attempting to illegally bypass a XXXX debt by trying to go after someone whom was not responsible for the bill.
Company Response: Closed with explanation

Timely Response

2018-08-17

Columbus, OH

Communication tactics

Debt collection: I do not know

You told them to stop contacting you, but they keep trying
Company Response: Closed with explanation

Timely Response

2018-08-14

Plymouth, FL

False statements or representation

Debt collection: Medical debt

Attempted to collect wrong amount
Complaint: I have had two separate reporting incidents from " XXXX XXXX '' for a medical bill (? ) from XXXX XXXX XXXX in XXXX, NC. for the amount of {$340.00} on XX/XX/2018 and again {$130.00} on XX/XX/2018. I have reported/disputed to XXXX and both have been removed as of XX/XX/2018. I contacted both the initial biller/creditor and the collections company, both have no record of my name ( married of maiden ), DOB or SSN. Yet, the same set of companies reported a collections amount for the second time. I'm not sure if the company has an error in the SSN of another client or if they are fraudulently billing " customers '' that have never been to them or used their services.
Company Response: Closed with explanation

Timely Response

2018-08-14

Middletown, NJ

Written notification about debt

Debt collection: Other debt

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

Timely Response

2018-08-08

Bronx, NY

Written notification about debt

Debt collection: Other debt

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

Timely Response

2018-08-08

Bronx, NY

Written notification about debt

Debt collection: Other debt

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

Timely Response

2018-08-08

Cary, NC

Written notification about debt

Debt collection: Other debt

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

Timely Response

2018-08-01

Written notification about debt

Debt collection: Other debt

Notification didn't disclose it was an attempt to collect a debt
Company Response: Closed with non-monetary relief

Timely Response

2018-08-01

Columbus, OH

Attempts to collect debt not owed

Debt collection: Other debt

Debt was paid
Complaint: To whom it may concern.ONLINE INFORMATION SERVICES # XXXX.This is a notice of dispute pursuant to the Fair Credit Reporting Act ( FRCA ), section 623, subsection ( 8 ) ( D ). The specific information under dispute is the derogatory nature. I am requesting the verification to follow reasonable procedures to assure maximum possible accuracy, of the information on my credit report. I have paid this debt in full to the Utilities company.I was told it would be deleted from my credit profile yet the debt still appears on my credit. It was originally with XXXX XXXX and not sure how it got with ONLINE INFORMATION SERVICES.
Company Response: Closed with explanation

Timely Response

2018-07-30

GA

Attempts to collect debt not owed

Debt collection: Other debt

Debt was paid
Complaint: On XX/XX/2018, I received an debt collection notice from Online Information Services, dated JunXX/XX/2018. I immediately sent Online Information Services a certified letter on XX/XX/2018 requesting debt validation of said debt. The certified letter was delivered/received by Online Information Services on XX/XX/2018 @ XXXX. On XX/XX/2018, I received an Alert that Online Information Services had place a {$82.00} Collection account on all three ( 3 ) Credit Bureau 's ( XXXX, XXXX & XXXX ). On today, XX/XX/2018, I received a letter from Online Information with a copy of an INVOICE dated XX/XX/2018 from XXXX XXXX for {$82.00}. This INVOICE from Online Information Services is not a valid debt validation and was placed on my all three credit bureaus prior to being validated. I have a {$0.00} balance with XXXX XXXX.
Company Response: Closed with explanation

Timely Response

2018-07-25

NJ

Written notification about debt

Debt collection: Medical debt

Didn't receive enough information to verify debt
Complaint: On XX/XX/XXXX, we became aware that our credit report reflected a debt owed to ONLINE IN SV in the amount of {$180.00}. We had never heard of this company and had received no communication. On XX/XX/XXXX, my husband called to request the information. He was told that the bill had been sent to the house and not returned, and they would not send another copy. He question how he was supposed to settle the debt without the information, and the agent ( XXXX ) offered to take his credit card information over the phone. This, of course, is not advisable since we have nothing in writing. In addition, my husband wanted information in writing because we believe that the medical bill was never properly filed with our insurance company to begin with, and that should be how this debt is settled. On XX/XX/XXXX, I verified that this had never been properly filed with our insurance company. I called ONLINE IN SV, questioning this refusal by the company. I was also told that, per company policy, since the information had been sent, that they would not send another copy. I questioned how we were supposed to settle the debt without any information. I was told that this is their company policy. I informed them of my intent to file a complaint with the Federal Trade commission and at this point he offered me a " validation of charges. '' I questioned why this " validation of charges '' was not offered to my husband and he said that my husband had not asked for it. I said I had not asked for it either. He said that it was only because I was so " adamant '' ( his word ) that I was being offered it. Yes, I'm adamant, because there is simply no way for us to settle a debt without information. I again reiterated my intent to file a complaint. I hung up the phone and searched for more information on the company, which took some time because they have a purposefully generic name. I called back and informed an assistant manager that it is my belief that their refusal to furnish the charges puts them OUT OF COMPLIANCE. They claim that they sent one copy, but I never received it, so I do not believe that they did. If they did, why would they refuse to send a copy?
Company Response: Closed with explanation

Timely Response

2018-07-24

Chicago Heights, IL

Communication tactics

Debt collection: Other debt

Used obscene, profane, or other abusive language
Company Response: Closed with explanation

Timely Response

2018-07-23

Mem, TN

Took or threatened to take negative or legal action

Debt collection: Other debt

Threatened or suggested your credit would be damaged
Company Response: Closed with explanation

Timely Response

2018-07-23

Charlotte, NC

Attempts to collect debt not owed

Debt collection: I do not know

Debt is not yours
Complaint: I have contacted this company and requested they provide some type application or security agreement that I completed to show how this account was initiated. And they will not provide it. They keep saying that the company confirmed a name and address ; and provided a bill that does not have my address on it.
Company Response: Closed with explanation

Timely Response

2018-07-23

Traver, CA

Incorrect information on your report

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

Account information incorrect
Company Response: Closed with explanation

Timely Response

2018-07-19

Laurel Hollow, NY

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

2018-07-19

Lexington, NC

Written notification about debt

Debt collection: I do not know

Didn't receive notice of right to dispute
Complaint: XXXX XXXX just reported a {$760.00} collection account on my credit report. I have no idea what this is. According to the Fair Debt Collection Practices Act, they are required to provide me with a 30-day notice to dispute the debt, but I never received such a notice. They just reported it, without even contacting me. This is a violation of federal collection law.
Company Response: Closed with explanation

Timely Response

2018-07-18

AL

Written notification about debt

Debt collection: Other debt

Didn't receive notice of right to dispute
Complaint: I never received letters from this, I paid the amount and they refuse to update my credit report. They told me I had to wait until theyre ready. Im XXXX because I cant get any apartments or houses.
Company Response: Closed with explanation

Timely Response

2018-07-16

Northside, NC

Confusing or missing disclosures

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

Complaint: XXXX XXXX year of male seeking a reduced apartment community. Needed a one bedroom apartment in XXXX zip code area. Was refused the apartment on a credit report. Only two accounts out of eight were delinquent. Both medical accounts and were dated XX/XX/14 when I was trying to get XXXX which took 3 years. Those 3 years I was unable to work and had no earnings to pay the bills. I had no idea I was delinquent on paying the medical bills. One was a bill from XX/XX/2014 with a past due of {$73.00}. The other was a bill from 2014 with a past due of {$100.00}. I've never had any convictions or driving accidents since I was in my XXXX 's. I lost an apartment because of this report. I plan to pay the {$170.00} now that I know I owe that much. It feels very unfair that I can not get a low income apartment because of this report. I'm back on a waiting list and will have to live with my XXXX XXXX XXXX parents who supported me when I had no money coming in. The report came from ONLINE Information Services, XXXX XXXX XXXX, XXXX, NC XXXX Phone : XXXX XXXX
Company Response: Closed with explanation

Timely Response

2018-07-11

Fort Lauderdale, FL

Attempts to collect debt not owed

Debt collection: Medical debt

Debt was paid
Company Response: Closed with non-monetary relief

Timely Response

2018-07-11

Phoenix, AZ

Took or threatened to take negative or legal action

Debt collection: Other debt

Threatened or suggested your credit would be damaged
Complaint: XXXX is trying to bill me for another persons account. I phoned the company and tried to resolve.
Company Response: Closed with explanation

Timely Response

2018-07-10

Attempts to collect debt not owed

Debt collection: Medical debt

Debt is not yours
Company Response: Closed with non-monetary relief

Timely Response

2018-07-10

Georgetown, TX

Attempts to collect debt not owed

Debt collection: I do not know

Debt was result of identity theft
Company Response: Closed with non-monetary relief

Timely Response