ONLINE Information Services, Inc.

2018-03-07

Charlotte, NC

Attempts to collect debt not owed

Debt collection: I do not know

Debt is not yours
Company Response: Closed with explanation

Timely Response

2018-03-06

Great Neck, NY

Written notification about debt

Debt collection: Other debt

Didn't receive notice of right to dispute
Complaint: XXXX XXXX recently reported a debt on my credit report. Prior to this account appearing on my report, I was not contacted ; and was not given a 30 day notice to dispute.
Company Response: Closed with explanation

Timely Response

2018-03-04

Union Chapel, TX

Written notification about debt

Debt collection: I do not know

Didn't receive enough information to verify debt
Complaint: I have requested verification and validation per my right under the FDCPA section 809 a and b. This company refuses to provide. This is not my debt and I demand proof of this debt. This company has also continued to report a disputed debt on my credit report. Last four of my ssn are XXXX and date of birth XX/XX/1988. Please submit proof that this is my debt
Company Response: Closed with explanation

Timely Response

2018-03-02

Dania, FL

Attempts to collect debt not owed

Debt collection: I do not know

Debt is not yours
Company Response: Closed with explanation

Timely Response

2018-03-01

Cadwell, GA

Fraud or scam

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

Complaint: Someone stole my identity downtown XXXX and they was using my name to order different things get an apartment and they spent all the money on my debit card and credit card
Company Response: Closed with non-monetary relief

Timely Response

2018-03-01

Momeyer, NC

Written notification about debt

Debt collection: I do not know

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

Timely Response

2018-02-28

Brooklyn, NY

Attempts to collect debt not owed

Debt collection: Other debt

Debt is not yours
Company Response: Closed with explanation

Timely Response

2018-02-27

Deltona, FL

Attempts to collect debt not owed

Debt collection: Other debt

Debt is not yours
Company Response: Closed with explanation

Timely Response

2018-02-23

College Dale, TN

Written notification about debt

Debt collection: Medical debt

Didn't receive notice of right to dispute
Company Response: Closed with non-monetary relief

Timely Response

2018-02-19

Rock Hill, SC

Attempts to collect debt not owed

Debt collection: I do not know

Debt is not yours
Company Response: Closed with explanation

Timely Response

2018-02-16

Far Rockaway, NY

Attempts to collect debt not owed

Debt collection: Medical debt

Debt is not yours
Company Response: Closed with explanation

Timely Response

2018-02-13

Wallington, NJ

False statements or representation

Debt collection: Medical debt

Attempted to collect wrong amount
Company Response: Closed with explanation

Timely Response

2018-02-09

Conyers, GA

Took or threatened to take negative or legal action

Debt collection: I do not know

Threatened or suggested your credit would be damaged
Company Response: Closed with non-monetary relief

Timely Response

2018-02-04

Houston, TX

Incorrect information on your report

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

Information belongs to someone else
Company Response: Closed with non-monetary relief

Timely Response

2018-02-03

Pensacola, FL

Written notification about debt

Debt collection: Other debt

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

Timely Response

2018-02-02

Goldsboro, NC

Incorrect information on your report

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

Account status incorrect
Company Response: Closed with explanation

Timely Response

2018-01-24

Chicago, IL

Written notification about debt

Debt collection: Other debt

Didn't receive enough information to verify debt
Complaint: On XX/XX/XXXX I sent a letter to XXXX requesting that all debt attached to my credit profile be verified or deleted if there was no means to verify the account belonged to me. The response was removal of a collection with XXXX, XXXX and XXXX XXXX staying on my report despit no verification. On XX/XX/XXXX I sent a letter to XXXX requesting that all debt attached to my credit profile be verified or deleted if there was no means to verify the account belonged to me. The result was XXXX XXXX staying on my report despite no verification or communication to me. On XX/XX/XXXX I sent a letter to XXXX requesting that all debt attached to my credit profile be verified or deleted if there was no means to verify the account belonged to me and Im anticipating the results. All correspondence on my part were sent certified mail so I know that they were received but this account with XXXX XXXX has yet to be proven to belong to me but wont leave my report.
Company Response: Closed with explanation

Timely Response

2018-01-24

San Jose, CA

Communication tactics

Debt collection: I do not know

Called before 8am or after 9pm
Complaint: I do not have any business with this company. My research of the phone number the second call came from indicates this maybe a scam. I received the first call on : XXXX/XXXX/XXXX. It was a robo call. In the message, the name of the person asked for was not clear however, sounded nothing like my name. The number this call came from was " spoofed '' in that it came up on my caller ID as " Private Caller ''. No other information was given in this message. I received a second robo call at XXXX XXXX on Wednesday, XXXX/XXXX/XXXX. This time the message requested the same person. Again, the name referenced was not clear and also not me. The phone number the call came from was : XXXX. The company name given was : On Line Information Services, a debt collection services company. The message went on to reference an account # : XXXX and call back number of : XXXX. Once again, I do not have any legitimate business with this company nor do I know why I 'm being contacted repeatedly for no reason.
Company Response: Closed with non-monetary relief

Timely Response

2018-01-22

Killeen, TX

Attempts to collect debt not owed

Debt collection: Other debt

Debt is not yours
Company Response: Closed with explanation

Timely Response

2018-01-20

Saint Petersburg, FL

False statements or representation

Debt collection: Medical debt

Attempted to collect wrong amount
Company Response: Closed with explanation

Timely Response

2018-01-18

TN

Attempts to collect debt not owed

Debt collection: Medical debt

Debt is not yours
Complaint: I HAVE CONTACTED THIS DEBT COLLECTOR, AND THEY ARE STATING THIS DEBT IS MINE WHICH IN FACT IT IS NOT MINE, I DONT EVEN KNOW WHO THIS COMPANY IS.
Company Response: Closed with explanation

Timely Response

2018-01-18

Stantonville, TN

Took or threatened to take negative or legal action

Debt collection: Medical debt

Threatened or suggested your credit would be damaged
Complaint: I was in the process of purchasing a house and found unexplained collection accounts. I contacted XXXX XXXX in North Carolina to find out what the collections was in reference to. While speaking to a representative, she realized that the collection item was from an auto accident. She then asked my had it been settled, I replied no. She then stated that the claim should have been put on hold and I should have been contacted. I have called several times in the last 10 weeks to check on the progress of the removal of these 3 collections items. I also had my attorney contact them. They are no longer responding to me, which I understand why. They sent my attorney a standard lien letter that does not address the removal of the reported collection from my credit report. The collection agency is refusing to remove the negative items from my credit report after my attorney has contacted them to confirm the claim has not been settled. I did not received any communication from the collection agency or the original debtor prior to them reporting the negative items, although they claim there was an attempt to contact me. I have offered to pay the debt before the auto claim is settled if they remove the negative report. They have refused. The claims were sent to the credit agencies as 3 separate claims totaling less than {$400.00}. I believe this was deliberate to inflict as much damage as possible. Two of their employees have stated on two separate occasions that the debt should not have been reported to the credit agencies because it was clear in my file that the medical treatment was a result of an auto accident. XXXX XXXX has refused to work with me after I have provided them with all of the information requested. I have proven the validity of my auto accident and that the claim has not been settled. This is a deliberate abuse of power.
Company Response: Closed with non-monetary relief

Timely Response

2018-01-15

Brooklyn, NY

Communication tactics

Debt collection: Other debt

Frequent or repeated calls
Company Response: Closed with non-monetary relief

Timely Response

2018-01-11

Jackson, NJ

Written notification about debt

Debt collection: Other debt

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

Timely Response

2018-01-09

Colts Neck, NJ

Written notification about debt

Debt collection: Medical debt

Didn't receive enough information to verify debt
Complaint: I received the attached collection bill ( Account # XXXX ). I was very confused by this bill as the Creditor ( XXXX XXXX XXXX ) did not match the name of the imaging center I received a XXXX XXXX on XX/XX/XXXX. I have never been to XXXX medical center. Additionally, I had never received a bill from the imaging center for this date of service. The name of the imaging center I visited on XX/XX/XXXX : XXXX XXXX XXXX of XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, NJ XXXX To confirm, in my insurance records, I had received a XXXX XXXX at this same location on XX/XX/XXXX, however the exact same Imaging Center is listed under a different name. Please see screen shot attached from my insurance claim files. The same imaging center mentioned previously is listed under 2 names with different amounts for a XXXX ultra sound : XX/XX/XXXX : " XXXX XXXX XXXX '' XX/XX/XXXX : " XXXX XXXX '' I was further confused by the name " XXXX XXXX '' I received a XXXX XXXX from a tech who was female and her name was not XXXX XXXX. Since I received this collections bill in XXXX, I have been going back and forth via phone between the collections company, the imaging center, my insurance and my physician. The billing department from the XXXX XXXX XXXX insisted I have a {$0.00} balance even though I explained to them I was there on XX/XX/XXXX they have no record of it. I had them send me my account summary for reference also attached. I explained all of this to the collections company and told them I was very confused about who is billing me. I was told verbatim " Good luck honey it happens every day ''. I then asked them if they could send me or have the company who is billing me send me an itemized statement explaining the charges. They said they would try, and that was a month ago. I now have a derogatory mark on my credit report due to this nonsense. Reaching out to CFPB is my last resort. I refuse to pay money to a collections agency or imaging center when they do n't even have a record of why I am being charged. The second part to this complaint is in regard to the XXXX I had received. My doctor ordered a XXXX XXXX when I thought I may have had a XXXX When I arrived in the imaging room, the female tech told me a XXXX XXXX is the wrong prescription for a XXXX it should be a XXXX XXXX XXXX. I asked the tech what to do and she said she will do the test anyway because the doctor must have some reason to perform a XXXX XXXX. I found out from my doctor 's office later on, the tech at that time should have called my doctor and confirmed this was the right test as it was incorrect. The doctors office has taken no responsibility for writing the wrong XXXX prescription for a XXXX.It was confirmed by a general surgeon whom my doctor referred me to, that it should have been a XXXX XXXX XXXX. My doctors info is : XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX, NJ XXXX ( XXXX ) XXXX
Company Response: Closed with non-monetary relief

Timely Response