ONLINE Information Services, Inc.

2017-04-13

Frederick, MD

Cont'd attempts collect debt not owed

Debt collection: Medical

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

Disputed: No Timely Response

2017-04-12

Pikeville, NC

Disclosure verification of debt

Debt collection: Medical

Right to dispute notice not received
Complaint: I paid the debt that was owe but did not get in formal information on the balance until I pulled up my credit report. I called that company to at least try to remove the late payments and rep was rude about it. I did state to the company if they can remove the late payments off the account because it would not been late if I receive the notice.
Company Response: Closed with explanation

Disputed: No Timely Response

2017-04-08

Forest Oaks, NC

Disclosure verification of debt

Debt collection: I do not know

Not given enough info to verify debt
Company Response: Closed with non-monetary relief

Disputed: No Timely Response

2017-04-03

Tampa, FL

Cont'd attempts collect debt not owed

Debt collection: Other (i.e. phone, health club, etc.)

Debt is not mine
Company Response: Closed with explanation

Disputed: Yes Timely Response

2017-04-03

Cheverly, MD

Cont'd attempts collect debt not owed

Debt collection: Other (i.e. phone, health club, etc.)

Debt was paid
Company Response: Closed with explanation

Disputed: No Timely Response

2017-03-31

Cocoa, FL

Cont'd attempts collect debt not owed

Debt collection: Medical

Debt was paid
Company Response: Closed with explanation

Disputed: No Timely Response

2017-03-31

Atl, GA

Managing the loan or lease

Consumer Loan: Installment loan

Company Response: Closed with explanation

Disputed: Yes Timely Response

2017-03-31

Haskins, OH

Disclosure verification of debt

Debt collection: Other (i.e. phone, health club, etc.)

Right to dispute notice not received
Complaint: I received several phone calls over the last few weeks from this company claiming that I owe a debt for a utility bill of some sort. I asked why I was not served a letter saying that I had a right to dispute this debt before collection action was taken. The guy told me that they do n't send out letters like that only invoices and he thinks that it was stated somewhere on there that I could dispute it. I asked when would I get that letter since he was calling before I received any letter or invoice from them at all. He said not to worry about the letter and that he wanted to set up a payment for the alleged debt. I said never had XXXX for my utility he said sure you did and you owe the money, stop being a deadbeat and pay your bills. I hung up he called back 17 times in a row, and every day since at least 7 times. My XXXX year old daughter answered my phone a week ago and someone from this company asked for me and when she said I was unavailable he told her to tell me to get out of bed and get a job so I could pay my bills. I have sent a do not contact letter and it was ignored. I also sent a debt validation demand letter it also has not been answered. These are blatant and clear violations of the FDCPA, and the FCRA. They have not sent a dunning letter, they refuse to stop calling when I asked over the phone, they harassed me with multiple phone calls and terrorized my small child when she answered the phone. They refuse to validate the debt in any way, the 30 day time frame is now passed and yet they still call, and report this on my credit report.
Company Response: Closed with explanation

Disputed: No Timely Response

2017-03-22

Seneca, SC

Disclosure verification of debt

Debt collection: Medical

Right to dispute notice not received
Complaint: Never received anything from the debt collector. The right to dispute, who they were, amount owed, or nothing at all from them. We got the first phone from them end of last week and tried to call back that day but was already closed. Got another call Monday and called back and spoke to them. Found out that the info is wrong on the account. My fathers SSN is on the account and he is not connected to any of my stuff. I called the place that originally had the account to confirm that they have the right info and they do n't even have my SSN on my account so was not sent to creditor like that as they claim. And because I was never notified of they creditor or anything from them I have not made a payment bc I did n't even know they had the account until I just got a phone call. And so this whole time they have been reporting it to my dads credit which has hit his credit big time and he had excellent credit. They should t of reported anything bc I was never even notified for one and for 2 his XXXX should not be on the account, mine should be. We have tried to get them to remove his social and at first was told it ca n't be and then I talked to XXXX the supervisor who was very rude and said he can and it will take XXXX hours and they will report it to min but should n't be reported period bc I was n't ever notified of the debt or given a chance to dispute it. They received the account back in like XXXX XXXX and it 's XXXX XXXX now and this is the first I have heard of them ever. XXXX said " he will do what he wants when he wants and there is nothing I can do about it ''. I do n't appreciate the unprofessional communication especially from the supervisor. And they are not willing to correct the issue and work with us. So we are asking for your help to get this resolved. I have been paying on the account but bc it was n't paid off in 120 days it got sent to them but was never notified by them of it and who they are.
Company Response: Closed with non-monetary relief

Disputed: No Timely Response

2017-03-22

Five Points, NC

Disclosure verification of debt

Debt collection: Other (i.e. phone, health club, etc.)

Right to dispute notice not received
Complaint: Online Collections recently reported a collection account on my credit report. They had already reported this same collection account on my credit report for a period of seven years. However, due to the seven year rule on the Fair Credit Reporting Act, the account simply dropped off my credit report. Recently, Online Collection changed the date of last activity on this account ; I assume so they could put it back on my credit report. But this time, they did not provide a notice of right to dispute before reporting it.
Company Response: Closed with explanation

Disputed: Yes Timely Response

2017-03-19

Atl, GA

Disclosure verification of debt

Debt collection: Other (i.e. phone, health club, etc.)

Not given enough info to verify debt
Company Response: Closed with explanation

Disputed: Yes Timely Response

2017-03-08

Carson, IA

Cont'd attempts collect debt not owed

Debt collection: Other (i.e. phone, health club, etc.)

Debt is not mine
Company Response: Closed with explanation

Disputed: No Timely Response

2017-03-01

AL

Incorrect information on credit report

Credit reporting:

Account terms
Complaint: Notice an paid in full but still open account on my credit report. Called company handling the account and asked if they could send in a request for deletion from my credit report and was given the run around and told that they couldnt do that twice and hung up on once.
Company Response: Closed with non-monetary relief

Disputed: No Timely Response

2017-02-28

Sebring, FL

Cont'd attempts collect debt not owed

Debt collection: Credit card

Debt is not mine
Complaint: My parents received a voicemail from XXXX saying that I had outstanding debt. However, I do n't having any outstanding debts at all. They left a reference number. My mother told me and I called back to resolve the issue. I had already searched the number before I called and saw that others had issues. They asked me to verify the last four digits of my social security number. I said no and they hung up.
Company Response: Closed with explanation

Disputed: No Timely Response

2017-02-28

Tucson, AZ

Credit reporting company's investigation

Credit reporting:

Problem with statement of dispute
Complaint: While monitoring my credit, this collection account showed up on my credit report. Immediately wrote them a letter requesting validation, bearing my signature, on XX/XX/XXXX and sent it out, certified, return receipt mail, which they signed for on XX/XX/XXXX. 30 days from the date they signed for this letter would be XX/XX/XXXX. There should have been a statement of dispute added to my credit report by the close of business on this day to comply with credit reporting laws. They wrote me a letter back on XX/XX/XXXX and indicated that their client confirmed the name, address and amount owed and sent a print up of a bill. This is not validation of anything. This is not the information I requested. I requested validation, bearing my signature, as the only person who can validate my signature is me. I wrote them a letter again on XX/XX/XXXX again telling them this is not validation and making a second request for the information I am legally permitted to request and receive. They responded on XX/XX/XXXX and basically said, we already sent this once, and we will do it again this time, but we do n't have to keep doing this, in so many words. They still did not send me validation. I then wrote them a final notice letter on XX/XX/XXXX, stating I felt they are acting in bad faith and that they have failed to comply with the laws and unless they took appropriate action, I would be forced to elevate that situation. They have completely ignored me since. I have attached copies of all documentation listed in this complaint as well as a copy of my credit report to show that as XX/XX/XXXX, my credit report still does not show the disputed statement.
Company Response: Closed with explanation

Disputed: Yes Timely Response

2017-02-23

Phoenix, AZ

Disclosure verification of debt

Debt collection: Other (i.e. phone, health club, etc.)

Not given enough info to verify debt
Company Response: Closed with explanation

Disputed: No Timely Response

2017-02-23

Thompsons Station, TN

Cont'd attempts collect debt not owed

Debt collection: Other (i.e. phone, health club, etc.)

Debt resulted from identity theft
Complaint: Identity was stolen and used to turn on electricity in my name through XXXX. I faxed necessary documents to XXXX also explained the situation. XXXX has put bill in collections and is still reporting to credit bureaus that I owe {$170.00}.
Company Response: Closed with explanation

Disputed: No Timely Response

2017-02-21

Kissimmee, FL

Disclosure verification of debt

Debt collection: I do not know

Right to dispute notice not received
Company Response: Closed with non-monetary relief

Disputed: No Timely Response

2017-02-18

Kennesaw, GA

Disclosure verification of debt

Debt collection: Other (i.e. phone, health club, etc.)

Not given enough info to verify debt
Company Response: Closed with explanation

Disputed: No Timely Response

2017-02-15

Gastonia, NC

False statements or representation

Debt collection: Other (i.e. phone, health club, etc.)

Attempted to collect wrong amount
Complaint: Total amount due from the original company ( XXXX ) was XXXX upon disconnection including 3 % sales tax ; however, XXXX has informed On Line information services that I owe {$970.00} dollars whom has stated in a letter that On Line services has no duty to provide verification of the debt.
Company Response: Closed with explanation

Disputed: No Timely Response

2017-02-14

Lexington, KY

Cont'd attempts collect debt not owed

Debt collection: Other (i.e. phone, health club, etc.)

Debt was paid
Company Response: Closed with explanation

Disputed: No Timely Response

2017-02-10

Scottsdale, AZ

Improper contact or sharing of info

Debt collection: I do not know

Talked to a third party about my debt
Complaint: ONLINE COLLECTIONS/ INFORMATION SERVICES has placed a derogatory account on my credit profile without my authorization which has violated the FDCPA. To my knowledge, I do not owe ONLINE COLLECTIONS/ INFORMATION SERVICES any alleged debt and would like them to provide proof of claim with authenticated verification. ONLINE COLLECTIONS/ INFORMATION SERVICES has placed this alleged account on my credit report to intentionally cause harm to my pursuit of happiness by affecting my Consumer transactions for personal, family and household purposes.
Company Response: Closed with explanation

Disputed: No Timely Response

2017-02-06

Jacksonville, FL

Disclosure verification of debt

Debt collection: Medical

Not given enough info to verify debt
Complaint: Account has not been verified by contract on signature.
Company Response: Closed with explanation

Disputed: No Timely Response

2017-01-31

Tampa, FL

Cont'd attempts collect debt not owed

Debt collection: Other (i.e. phone, health club, etc.)

Debt was paid
Complaint: I was put into collection for a utility bill that was not mine. I notified them in writing and by phone and they reported it to the credit bureaus in spit of that notification. They used that as a tool for force me to pay the outstanding amount in order to have it removed from my credit reports. I paid the amount in full and they have refused to remove it from my reports and will only report it as " Paid ''. They used deceptive promises ( which they recorded ) to get me to pay a debt that was not mine and then have refused to remove it from the credit reports as they assured.
Company Response: Closed with non-monetary relief

Disputed: Yes Timely Response

2017-01-24

Beyersville, TX

Cont'd attempts collect debt not owed

Debt collection: Other (i.e. phone, health club, etc.)

Debt is not mine
Company Response: Closed with explanation

Disputed: Yes Timely Response