ONLINE Information Services, Inc.

2016-10-21

Pinellas Park, FL

Disclosure verification of debt

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

Not given enough info to verify debt
Complaint: This same item was with another collection firm which was a mistake now it is with another agency. I do not owe this and have disputed. Does n't a company have to validate an item?
Company Response: Closed with explanation

Disputed: No Timely Response

2016-10-05

KY

Disclosure verification of debt

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

Not given enough info to verify debt
Complaint: I have repeatedly disputed this information. They have not once provided me with any information verifying that the debt belongs to me. They have not furnished any signed documents or contracts.
Company Response: Closed with explanation

Disputed: Yes Timely Response

2016-10-04

Jacksonville, FL

Communication tactics

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

Frequent or repeated calls
Complaint: I owned a house in XXXX, XXXX while in the military. I XXXX XXXX and moved to XXXX, XXXX. I did not close on the sale of the house I owned until XXXX XXXX, 2016, I received my final bill from XXXX water and sewer and paid the remaining balance in a timely manner. I did not receive my final bill from from XXXX XXXX, it is now showing on my credit report and, from what I am told, will not be removed from my credit report for 7 years. I am not disputing that I owe the amount that was disclosed. I want to dispute the fact that I was not made aware of the debt owed in a timely manner for me to satisfy it. I was not made aware of the debt until I applied for a home loan. Again, I take responsibility for the amount owed, but I was not given adequate time to satisfy it.
Company Response: Closed with explanation

Disputed: Yes Timely Response

2016-10-03

Chapel Hill, NC

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

2016-09-29

Bedford Heights, OH

Disclosure verification of debt

Debt collection: I do not know

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

Disputed: Yes Timely Response

2016-09-23

Cary, NC

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

2016-09-21

OH

Disclosure verification of debt

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

Not disclosed as an attempt to collect
Complaint: I have a a unverified account from Online In Services. I had previously disputed this account. I have never done business with Online In Services. Pursuant to the Fair Debt8 Collection Practices Act ( FDCPA ) 15 U.S.C.1692g, I dispute the validity of the debt purport I owe. I request thatOnline In Services Provide verification of the following : 1. ) The original Application or contract ; 2. ) Any and all statements allegedly related to this debt ; 3. ) Any and all signed receipts ; 4. ) Any and all canceled checks ; 5. ) Original date of default and collection activity begin 6. ). Whether you purchased the debt, and if so, the amount paid for the debt 7. ) The date ( s ) the debt allegedly accrued ; 8. ) An itemization of the costs, including an accounting, for any additional interest, charges, or other fees placed on this account. I want to request that Online In Services Cease and Desist all further communications and collection actives and provide the verification of the purported debt.
Company Response: Closed with explanation

Disputed: No Timely Response

2016-09-20

MO

Communication tactics

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

Used obscene/profane/abusive language
Complaint: I called the debt collector on XX/XX/2016 at XXXX because I wanted verification of said debt and info on the account. I monitor my credit report weekly and all of a sudden last week I noticed a collection entry on my report. I never received any mail or notice of debt collection of said debt. There was never a 1st attempt to serve notice of debt. So I decided to inquire what they thought I owe to them. The agent answered the phone and asked what my name was. I responded and she read me the miranda and said the call was being recorded. I responded and told her I was recording the call as well. She said she did not consent. I said it doesnt matter as I needed more information on the said debt they claimed I owe so the recording is for my personal use and I do not need her consent. She asked me for my mailing address after she said that they have an address of XXXX. I said I do not live there and have not lived there. I will not give her my mailing address because she had yet to provide a debt validation to me. Then she literally went off on me over the phone and cut me off while I was explaining why I did not want to provide that info. The call lasted for 4 minutes. I was shocked that is how a debt collector treats someone who they have not even verified a debt with. I urge anyone if anyone to request the tape of that call and please listen to it. So many violations on that call. I ended up hanging up and stating that I will file with the Attorney General which I did after the call. How else can a consumer get a debt verification if they freely called and get treated like that by a collection agent? I consider that a threatning act to force me to bite into a false unverified debt. I demand validation of said debt. I do not owe any debt to said debt collector. She could careless what I had to say. She abused and intimidated me over the phone.
Company Response: Closed with explanation

Disputed: Yes Timely Response

2016-09-17

Lowell, AR

Disclosure verification of debt

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

Right to dispute notice not received
Complaint: A bill was sent to collection. I was never notified of the bill or collection. They will not remove collection from credit report if paid. My wife and I filled for a mortgage loan with XXXX XXXX XX/XX/XXXX. We followed the credit analysts advice and paid XXXX credit card down. When my credit report came back from re-score there appeared a collection for {$62.00} and change. The collection was from an unpaid final electric bill from my apartment before I moved in with my now wife from XX/XX/XXXX. I never received a final bill nor notification of the debt from the electric company nor the collection agency. Not a phone call nor an email. No form of communication. I offered to pay the debt with out issue if they would send a deletion request to the credit bureaus. Not only was I told this was a violation of the fair credit reporting act I was lectured as if I was some unintelligent criminal and yelled at in very high volume twice by one of their supervisors by simply asking for the deletion. I was informed by my credit analyst that by them telling me that a deletion was against the fair credit reporting act was in fact a violation. I even called all XXXX credit bureaus. A deletion is totally legal and ethical. The collection agency has simply refused to delete the collection for absolutely no reason. I even informed XXXX supervisors including the XXXX that lectured and yelled and insulted me that this collection that I was never notified of in anyway shape or form was the only thing keeping me and my wife from our home. Their refusal to process my request which after my due diligence is totally legal and ethical and in fact happens every day has kept my wife and I from being able to purchase our home. The collection being removed would jump my score upwards of XXXX point well above where we would need to be. I again was never notified in anyway that there was a debt owed nor a collection and I was informed they had the collection since XX/XX/XXXX.
Company Response: Closed with explanation

Disputed: No Timely Response

2016-09-13

NJ

Cont'd attempts collect debt not owed

Debt collection: Medical

Debt is not mine
Complaint: Received bill for medical services that had already been paid when services were rendered. When I contacted the facility where procedure was done, was told my account was paid and nothing outstanding. A radiology office claimed that I owed an additional fee for the service but the center that performed the procedure confirmed that their onsite doctors reading of the results is included in the price I had already paid with a credit card. Procedure is not covered by insurance so payment is due when service is performed. This Radiologist " billing department '' submitted to the wrong insurance company which denied payment as would be expected. Now charge has moved to a " collections agency '' and ultimately a threat to my credit. All phone numbers provided are automated attendants with no option for a live person. I have also received numerous phone calls referencing the outstanding balance, but it is always a robo-type voice leaving a message. Have read from others who have encountered similar situation and have ruined their ability to acquire credit even after paying off the debt. Worried that my credit card information or other personal information has been stolen without my knowledge.
Company Response: Closed with explanation

Disputed: No Timely Response

2016-09-12

Cutler Bay, FL

Improper use of my credit report

Credit reporting:

Report improperly shared by CRC
Complaint: I do not know this company or its issue with me.
Company Response: Closed with explanation

Disputed: No Timely Response

2016-09-07

Fayetteville, NC

Disclosure verification of debt

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

Right to dispute notice not received
Company Response: Closed with explanation

Disputed: No Timely Response

2016-09-01

GA

Incorrect information on credit report

Credit reporting:

Information is not mine
Complaint: I received a letter in the mail from the credit bureau and the information in the letter is incorrect, it belongs under my cousins name not mine.
Company Response: Closed

Disputed: No Timely Response

2016-08-31

MD

Disclosure verification of debt

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

Not disclosed as an attempt to collect
Complaint: This balance of {$180.00} was supposed to have been paid for by a claim that I filed with workmans comp as to which it was not. Lastly, I never received a noticed in regards to this debt but just to clear I just paid the balance of {$180.00} on XXXX/XXXX/16. I am asking you to please remove this collection from credit so that I do not have any negative remarks because I take handling my credit very seriously. Thank you!
Company Response: Closed with non-monetary relief

Disputed: No Timely Response

2016-08-30

Fort Pierce, FL

Communication tactics

Debt collection: Medical

Threatened to take legal action
Company Response: Closed with explanation

Disputed: No Timely Response

2016-08-19

Columbus, OH

Improper contact or sharing of info

Debt collection: I do not know

Talked to a third party about my debt
Company Response: Closed with explanation

Disputed: No Timely Response

2016-08-16

Bridgewater, NJ

Improper contact or sharing of info

Debt collection: Medical

Contacted me after I asked not to
Company Response: Closed with non-monetary relief

Disputed: No Timely Response

2016-08-08

Holy Cross, IA

Disclosure verification of debt

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

Right to dispute notice not received
Complaint: this issue has not been resolved yet. Although online collection agency has answered and which i appreciate them sending me proper debt of validation, im not being helped when i say this debt is not mine. I have since received the debt validation from Online Collections. I have included XXXX attachments they sent me about them and the debt from my XXXX ( same company that merged ). If you look at the account numbers, its different than the account number that i had when i had XXXX XXXX. It took a long time but i have found and attached my last XXXX bills from XXXX XXXX that was in my email. its all time stamped and dated. The account numbers differ from the ones that Online Collections are saying that i owe in XXXX/XXXX/2011. How can account numbers change right at the time i stopped service with XXXX XXXX? The address i lived after my last bill is XX/XX/2011 " which i attached a file '', i did not need to have my name in any address after that date. i should not be billed at all, especially an address i do not know of. this could be a simple error on their part but still, not my error or debt. This is not my debt that Online Collections are trying to collect from me. I have NEVER lived at XXXX XXXX XXXX XXXX, XXXX, NC, XXXX which is the address of the debt they are trying to collect. Making a police report for fraud is out of the question right now since i am working out of state and wont be back to NC until the holidays. I was told i had to make a police report in the same city/county as this incident occured. I need this to be resolved, ive been spending hours upon hours finding facts to prove its not mine. my credit report has had many false info that has already been deleted but this is the last one that seem to get no help from even though im providing all necessary info, proof, and documents.
Company Response: Closed with explanation

Disputed: Yes Timely Response

2016-08-05

Wallington, NJ

Cont'd attempts collect debt not owed

Debt collection: Medical

Debt was paid
Company Response: Closed with explanation

Disputed: No Timely Response

2016-08-04

Knightsville, SC

Cont'd attempts collect debt not owed

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

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

Disputed: No Timely Response

2016-08-04

MO

Communication tactics

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

Used obscene/profane/abusive language
Complaint: I was set up on a payment arrangement for XXXX payments. Instead my entire balance was deducted out at once. It was an unauthorized payment. My arrangement was for XXXX payments of {$110.00} to be deducted from my account by check on XXXX XXXX and XXXX XXXX. The rep that took the unauthorized payment was XXXX with the ext. XXXX. When I realized {$230.00} was taken from my account I called multiple times to resolve the issue and no one answered the phone for the first 5 attempts. When I finally spoke with a assistant manager I explained the situation. They went back and listened to the call and heard me agree to XXXX payments. I asked for the other half to be reversed back into my account and was told that would take 10 days ( after my next due date ). I expressed that I felt I was being penalized for their mistake and I now was short on funds. They told me they could n't do anything else. I received contact information for the manager of that location ( XXXX ). While conversing with XXXX he was rude and made comments after I expressed how much of inconvenience the entire situation has been to me. He said things such as I was an inconvenience to his reps because I am in collections. XXXX expressed that I could have the money refunded once I had my bank send proof via email that the funds cleared my account. I informed him that I was aware that their system updates them once a balance is resolved so he had proof that {$230.00} was removed from my account. He expressed that he still needed proof and offered me a deal to have the payments stay resolved and he will have the credit bureau remove the collections off my credit report XXXX XXXX. I am currently waiting to receive that in writing. I emailed him to inform him that I needed it in writing.
Company Response: Closed with non-monetary relief

Disputed: No Timely Response

2016-07-26

N Haven, CT

Cont'd attempts collect debt not owed

Debt collection: Medical

Debt is not mine
Complaint: I recently pulled my XXXX major credit reports. This debt is appearing. It is not my debt. I have requested written VOD from both of the collection agencies/law offices and the original creditor. I requested VOD over 30 days ago. I have not heard from the original creditor or the collection agency regarding this debt. I supplied a copy of my ID, my social security #, and proof of address to all parties. I was never in their facility/hospital/office. I have shown proof of residence as well as tax documents to show my employment was NOT in their area. I want this deleted from my CBR as they have failed to prove it is my debt. In fact when I call the original creditor they have an entirely different name and social security # listed in the original file. This is what prompted me to send proof of ID and social security number. This is NOT my debt and I want it closed and removed from my CBR immediately.
Company Response: Closed with non-monetary relief

Disputed: No Timely Response

2016-07-25

Crofton, MD

Cont'd attempts collect debt not owed

Debt collection: I do not know

Debt is not mine
Company Response: Closed with explanation

Disputed: Yes Timely Response

2016-07-23

Asheville, NC

Disclosure verification of debt

Debt collection: Medical

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

Disputed: No Timely Response

2016-07-22

Pinellas Park, FL

Cont'd attempts collect debt not owed

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

Debt was paid
Complaint: I have a bill for progress energy that already paid and know I get some phone calls for a collection agency to paid this bill again. I get some harassment calls with treated and legal issue. I get call on my cellphone all the time even during working hours and after dark. I am on the do not call list and still getting calls.
Company Response: Closed with explanation

Disputed: Yes Timely Response