ONLINE Information Services, Inc.
Consumer Complaints
There are over 667 complaints on file for ONLINE Information Services, Inc.. Dated between 2019-12-13 and 2013-12-06.
Complaints Page 12
2018-05-02
Mauldin, SC
Attempts to collect debt not owed
Debt collection: Other debt
Debt is not yours
Complaint: I submitted a complaint in XXXX, received a response stating my name had been attached to the debt in error and this would be reported to the 3 agencies to be removed from my credit report.
As of Saturday XX/XX/XXXX this is still showing on my credit report!
This is the response I received : Company responded STATUS Company responded on XX/XX/XXXX RESPONSE TYPE Closed with non-monetary relief Company 's Response Thank you so much for bringing this matter to our attention. We reached out to the original client for documentation showing the consumer is attached to the account. They advised us the consumer 's name was attached in error at the time of placement. Based on this, we have sent an electronic request to the three major credit bureaus to remove the negative trade line. If the consumer has any more questions, she can call our collection manager, XXXX XXXX directly at XXXX Ext XXXX.
DESCRIPTION OF NON-MONETARY RELIEF Thank you so much for bringing this matter to our attention. We reached out to the original client for documentation showing the consumer is attached to the account. They advised us the consumer 's name was attached in error at the time of placement. Based on this, we have sent an electronic request to the three major credit bureaus to remove the negative trade line. If the consumer has any more questions, she can call our collection manager, XXXX XXXX directly at XXXX Ext XXXX.
Company Response: Closed with non-monetary relief
2018-04-30
Columbus, OH
Communication tactics
Debt collection: Other debt
Used obscene, profane, or other abusive language
Complaint: I have been attempting to try and remedy negative marks on my credit score by paying off past due debt. Last week I contacted Online Info Services regarding a {$600.00} past due XXXX XXXX XXXX from when I was laid off and ended up selling my house. I initially tried to challenge the amount because I believe it was inaccurate but at this stage I just want it off my credit report.
When I called today to try and may payment arrangements, the first representative was nice. She told me my only option was to pay the balance in full or make 3 installment payments of {$200.00} each every two weeks. I can not afford that so I explained to her I wanted to set up bi-weekly payments of {$50.00} a week to get the bill paid in full. I also told her I have student loans I am paying on top of my regular bills and medical expenses. She placed me on hold and sent me to a manager.
The manager was rude, belittling, and insulting. She was not concerned that the debt was incurred during a time I was laid off for more than a year. She basically said my offer to pay what I could afford was unacceptable. If I didn't pay in full, or do the three installment payments she would not accept anything. Period.
This is a bullying tactic that should not make consumers feel less than human when they are trying to pay off what is owed. I called on my own to make arrangement. I offered to have the payments made every two weeks until paid in full but she basically said what I could afford was unacceptable and her company rejected any attempts to accept a payment from me.
I've reached out to XXXX XXXX of Ohio to also see if they can step in but I have no other recourse but to file a complaint against them for abusive collection tactics.
Company Response: Closed with explanation
2018-04-26
Newnan, GA
Attempts to collect debt not owed
Debt collection: Other debt
Debt was already discharged in bankruptcy and is no longer owed
Complaint: This debt of {$180.00} was charged from XXXX XXXX ( the original creditor ). The new creditor is XXXX XXXX XXXX. This debt was included in my chapter XXXX bankruptcy and has been resold twice since then. It keeps re-appearing on my credit file and I'd like it removed permanently. I tried disputing the debt with the creditor and they refuse to remove it. I have attached proof that this debt was included in my BK and it doesn't report on my other two credit files.
Company Response: Closed with non-monetary relief
2018-04-25
Kendall, FL
Attempts to collect debt not owed
Debt collection: Medical debt
Debt is not yours
Company Response: Closed with explanation
2018-04-19
FL
Attempts to collect debt not owed
Debt collection: Other debt
Debt is not yours
Complaint: Date reported : XX/XX/XXXX Original Creditor Name XXXX XXXX XXXX Date Assigned XX/XX/XXXX Original Amount Owed {$140.00} Amount {$140.00} Status Date XX/XX/XXXX Status UNPAID Balance Date XX/XX/XXXX Account Designator Code INDIVIDUAL_ACCOUNT Creditor Classification Utilities Last Payment Date Date of First Delinquency XX/XX/XXXX I contacted the company and they confirmed that the account was not mine and that they would rectify the credit reporting error.
Company Response: Closed with explanation
2018-04-17
Clearwater, FL
Written notification about debt
Debt collection: Other debt
Didn't receive enough information to verify debt
Company Response: Closed with explanation
2018-04-15
Friendship, NC
Written notification about debt
Debt collection: Medical debt
Didn't receive notice of right to dispute
Company Response: Closed with explanation
2018-04-14
Montclair, NJ
Attempts to collect debt not owed
Debt collection: I do not know
Debt is not yours
Company Response: Closed with non-monetary relief
2018-04-11
New Orleans, LA
Incorrect information on your report
Credit reporting, credit repair services, or other personal consumer reports: Credit reporting
Information belongs to someone else
Complaint: The following items, I have never had accounts, with these vendors, my credit was perfect and I have continued to get negative items, on my credit report, that are not my account. I have several energy accounts, that aren't my credit account.
The following accounts are listed on my credit and I have never received any, communications, regarding the accounts. They were just posted to my credit report.
Online collections original creditor ( XXXX XXXX XXXX ) Acct # XXXX Phone # XXXX Online collections original creditor ( XXXX XXXX ) Acct # XXXX Phone # XXXX XXXX XXXX original creditor ( XXXX XXXX XXXX XXXX XXXX Acct # XXXX Phone # XXXX XXXX XXXX XXXX Acct # XXXX Phone # XXXX
Company Response: Closed with explanation
2018-04-06
Pikeville, NC
Threatened to contact someone or share information improperly
Debt collection: Medical debt
Contacted you after you asked them to stop
Complaint: On XX/XX/XXXX or about I received an alert on my credit report about outstanding balances with XXXXXXXX XXXX XXXX first amount was with XXXX XXXX XXXX XXXX amount was removed after I submitted evidence that I was not the responsible party also received a letter from the company. Second amount was with another Collection Agency Online Information Services for XXXX .I sent two letters last of which one was certified mail on XX/XX/XXXX. I also sent letters to the hospital with no response. On my XXXX Credit report all amounts were taken off one amount for appx. XXXX was added and taken off. After I disputed the debt with documentation to XXXX they no longer report inaccurate information with Online Information. I've made countless calls to Online Infomation Services and discussed the issues with the Incorrect reporting Last call was on XX/XX/XXXX when I received a call at my home after on XX/XX/XXXX I discussed that I would continue to dispute this matter and it was a clear violation of the fair credit reporting act there was no reason to call me again. After I made it clear I would be disputing this matter seemed like retaliation or intimination tactic given such a short time frame since we discussed the matter. I also asked them not to continue calling and got the Managers name who handles the accounts.I 've received double bills for the same service at XXXX XXXXXXXX XXXX XXXX XXXX XXXX customer service advised me they were the sole providers for the XXXX portion of my son 's bill at XXXX XXXX XXXX Insurance paid XXXX I owed XXXX XXXX XXXX sent another bill for the same service charged excess of XXXX I paid the Doctor that performed the XXXX directly billed XXXX. An Agent or Physician with XXXX XXXX XXXX.I questioned this bill with the Bill Service manager also discussed the XXXX room rate and the M/S charge for XXXX She simply stated that was the bill " Let me know when you find something out '' .I filed a dispute with XXXX with the same information they verified it as accurate on XX/XX/XXXX. Given the Inconsistant balances taken a item on and off report by this firm. XXXX and XXXX failing to answer questions about the double billing practice with the Hospital, Physician and XXXX. Failing to return countless phone calls or return letters from the Hospital. I stongly believe this debt to be unlawful and the Validity and Integrity is in Question. Please help me with this matter I feel it is unlawful business and does not reflect consumer reporting practices. Thank you.
Company Response: Closed with explanation
2018-04-05
Brooklyn, 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
Complaint: I have disputed this debt online with the credit bureau and requesting validation of this account. Company failed to respond or send any proof of validation. I have no contract with the agency. This is the second time this debt has showed up on my credit report under a new collection agency. I have not been notified and will be referring this to an FDCPA attorney for review.
Company Response: Closed with explanation
2018-04-03
NC
Attempts to collect debt not owed
Debt collection: Other debt
Debt is not yours
Complaint: I contacted online collections of XXXX on XX/XX/2018 via written letter requesting VALIDATION of a debt in the amount of {$560.00}. They prompted responded with a letter saying the date has been paid and my credit would reflect that. This is not proper VALIDATION under the terms of the FCRA. I am asking the company to supply a valid contract/lease with my signature on it validating it. This collection has caused great impact on my credit and it doesn't even belong to me.
Company Response: Closed with non-monetary relief
2018-04-01
Clermont, FL
Attempts to collect debt not owed
Debt collection: Other debt
Debt was result of identity theft
Complaint: XXXX XXXX needs to produce Documents provided in response to requests for production or in support of responses regarding the alleged account, what is the name and address of the alleged Original Creditor, if different from the Debt Collector. They are report account that I am not aware of. I was a victim of ID theft and have been report any new or old accounts I do not recognize. Did the Debt collector purchase the alleged account from a previous Debt Collector.If the transfer rights regarding the alleged account were by negotiation, was the alleged account taken for value? How long has this account been in a collection status.I have requested that ONLINE COLLECTIONS SERVICES Stop calling my phone over a Debt that I do not owe to their company. Pursuant to the Fair Debt Collection Practices Act, 15 U.S.C. Section 805., you are hereby notified to CEASE AND DESIST all further communication with me in regard to the referenced debt. Failure to abide by this law will result in a complaint being filed against you with the Federal Trade Commission, the Attorney General of both your state and mine, and also your own company management. I also the right to file suit against you for any future violations of this law. I will record any and all phone calls if you fail to comply with this CEASE AND DESIST. Fair Debt collection Practices Act, 15 USC 1692 Sec. 809 ( b ) If the consumer notifies the deb collector in writing within the thirty-day period described in subsection ( a ) that the debt, or any portion thereof, is disputed, or that the consumer requests the name and address of the original creditor, the debt collector shall cease collection of the debt, or any disputed portion thereof, until the debt collector obtains verification of the debt or any copy of a judgment, or the name and address of the original creditor, and a copy of such verification or judgment, or name and address of the original creditor, is mailed to the consumer by the debt collector. This would include affidavits since said records or documents upon which your office has sent are not original and not admitted into evidence or attached to the complaint or affidavit.
Company Response: Closed with explanation
2018-03-29
Alts De Bayamon, PR
Written notification about debt
Debt collection: Medical debt
Didn't receive enough information to verify debt
Complaint: ONLINE INFORMATION SERVI has reported items that I don't know where they come from as doesn't specify who is the client. If this account is regarding XXXX XXXX it should be under the Charity program.
Company Response: Closed with explanation
2018-03-29
Brentwood, TN
Attempts to collect debt not owed
Debt collection: Other debt
Debt was paid
Complaint: Online Information Services reported debt for utility company XXXX XXXXXXXX XXXX XXXX to credit bureaus. Although I do not claim the debt, I attempted to pay the debt in full with the collection agency in order to have it removed from my credit report. The collection agency refused payment. I contacted the original creditor, XXXX XXXX XXXX, to clarify the debt. They agreed to accept the payment directly. The debt has been paid in full to the original creditor, although I do not claim responsibility for this debt.
The account has been disputed with the credit bureaus.
Company Response: Closed with explanation
2018-03-28
Montclair, NJ
Written notification about debt
Debt collection: Other debt
Didn't receive enough information to verify debt
Company Response: Closed with explanation
2018-03-28
Three Bridges, NJ
Attempts to collect debt not owed
Debt collection: Other debt
Debt was paid
Complaint: I paid the XXXX XXXX, the account number on my credit report is XXXX directly to XXXX XXXX, account number XXXX, in the amount of {$1100.00}. I am not sure why this account is still on my credit report.
Company Response: Closed with explanation
2018-03-27
Columbus, OH
Attempts to collect debt not owed
Debt collection: Other debt
Debt is not yours
Complaint: I have a unverified account from XXXX XXXX. I had previously disputed this account. Pursuant to the Fair Debt Collection Practices Act ( FDCPA ) 15 U.S.C.1692g, I request that XXXX XXXX Cease and Desist all further communications. XXXX XXXX needs to delete this account from my credit report and stop all contact with me. Pursuant to the Fair Debt Collection Practices Act, 15 U.S.C. Section 805., you are hereby notified to CEASE AND DESIST all further communication with me in regard to the referenced debt. Failure to abide by this law will result in a complaint being filed against you with the Federal Trade Commission, the Attorney General of both your state and mine, and also your own company management. I also have the right to file suit against you for any future violations of this law. I will record any and all phone calls if you fail to comply with this CEASE AND DESIST.
Company Response: Closed with non-monetary relief
2018-03-27
Gretna, LA
Attempts to collect debt not owed
Debt collection: Other debt
Debt is not yours
Company Response: Closed with explanation
2018-03-27
Clyattville, GA
Written notification about debt
Debt collection: Other debt
Didn't receive enough information to verify debt
Company Response: Closed with explanation
2018-03-19
Newark, NJ
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 went to the hospital and provided them with two forms of insurance. The hospital has both insurances on file yet their collections team posted two negative accounts on my credit reports. I called an asked why they said the hospital did not give them the second insurance information. I gave them the insurance information. They turned around and posted the same negative on my cresit report at another bureau. The numbers they have listed now go straight to voicemail and when I did speak to someone she advised they would removed the information after i gave the insurance information but that has not been done. I had this conversation in early XX/XX/2018. This is happening with XXXX XXXX XXXX for {$100.00} and {$62.00}. My secondary insurance was through the state medicaid department and the hospital is aware they can not accept a payment from the insurance company then bill a patient additional charges. I spoke to the representative at XXXX at Online collections and informed her the accounts were updated. She told me they would not remove the negative information from my account until I paid it. I refuse to pay them for a bill I do not owe.
Company Response: Closed with non-monetary relief
2018-03-14
Durham, NC
Attempts to collect debt not owed
Debt collection: Other debt
Debt is not yours
Company Response: Closed with explanation
2018-03-14
Northside, NC
Incorrect information on your report
Credit reporting, credit repair services, or other personal consumer reports: Credit reporting
Information belongs to someone else
Complaint: I called this company several times, no answer, I don't even know who there are how can this just end up on my credit report and I don't even know what it is all it states is Online Information Svcs, this is hurting my credit report drastically, I would like them to show proof or delete from all 3 credit bureaus immediately.
Company Response: Closed with explanation
2018-03-09
Maricopa, AZ
False statements or representation
Debt collection: I do not know
Attempted to collect wrong amount
Company Response: Closed with explanation
2018-03-08
Georgetown, IN
Written notification about debt
Debt collection: Other debt
Didn't receive enough information to verify debt
Company Response: Closed with explanation