ONLINE Information Services, Inc.

2016-03-03

PA

Cont'd attempts collect debt not owed

Debt collection: I do not know

Debt is not mine
Complaint: I continue to receive telephone calls from a debt collector threatening civil action. I have had my personal telephone number over 45 years. I do not owe anyone an money. I have asked this company to stop calling me and asking for a XXXX XXXX. This person does not live at my residence nor do I know of her. I called back at XXXX and requested information and told them to stop harassing me. The company is Online Services from XXXX N.C.
Company Response: Closed with explanation

Disputed: No Timely Response

2016-03-02

Jacksonville, 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

2016-02-24

Lakeland, 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

2016-02-08

Crofton, MD

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

2016-02-07

NC

Incorrect information on credit report

Credit reporting:

Information is not mine
Complaint: I have never had an account with XXXX energy. My electric services when living in XXXX NC was with XXXX XXXX for some years ( which was taken over by XXXX XXXX in XXXX, i believe that is when the merger happened ) and I never had a lapse in my electric service due to an amount due. In XXXX I moved out of XXXX and have had my electric services with XXXX XXXX since. I did contact 'Online Collections ' in XXXX of XXXX and requested documentation outlining what the debt was for along with the time frame debt occurred. I was told ' You just dont like to pay your electric bill ''? I was also told XXXX energy sent me this information and I should pay this bill. I replied with if you can supply me with documentation that this is my bill .., I will happy to pay. Online Collections then indicated on my credit report that I agreed to pay and now am disputing. As well they never have supplied me with any NONE nothing.., documentation at all.
Company Response: Closed with explanation

Disputed: Yes Timely Response

2016-02-02

Masonville, NJ

Communication tactics

Debt collection: Credit card

Frequent or repeated calls
Company Response: Closed with explanation

Disputed: Yes Timely Response

2016-01-27

Corona, CA

Improper contact or sharing of info

Debt collection: I do not know

Contacted me after I asked not to
Complaint: I am not familiar with this company and do not understand why they are on my credit. These inquires effect my credit in a negative way. I would like them to be removed.
Company Response: Closed with explanation

Disputed: Yes Timely Response

2016-01-20

Farmville, VA

Cont'd attempts collect debt not owed

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

Debt resulted from identity theft
Company Response: Closed with explanation

Disputed: No Timely Response

2016-01-05

Harrisville, NH

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

2016-01-03

Valrico, FL

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

2015-12-30

Hixson, TN

Cont'd attempts collect debt not owed

Debt collection: Medical

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

Disputed: No Timely Response

2015-12-29

Queens, NY

Taking/threatening an illegal action

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

Sued w/o proper notification of suit
Complaint: The creditor is XXXX XXXX XXXX XXXX XXXX and they put XXXX accounts on collections and are destroying my credit report. XXXX account is for {$300.00} and the other XXXX is for {$130.00}. The collection agency is Online Information Service, XXXX XXXX, XXXX, NC XXXX ( XXXX ) XXXX. I want to pay for these but I never got billed for it. I would like to settle them but the number in the credt report does not exist. Please help me. The phone number they put on the report is not valid. This servicer is refusing to even reply to my letters, This is an outrage.
Company Response: Closed with explanation

Disputed: No Timely Response

2015-12-18

NH

Cont'd attempts collect debt not owed

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

Debt is not mine
Complaint: I filed a complaint on XXXX XXXX on this site. I asked to have Online Information Services to do a validation check as I do not owe this debt. They replied back and submitted a XXXX page document as a validation check. There is zero proof that I owe this debt. This is totally unacceptable. And to top it off, the debt is passed the statue of limitation. They are not even suppose to try to collect this debt. The ridiculous validation that Online Information Services provided is attached on this portal. Edit, I could not attach for some reason, but see Case number : XXXX - Online Information Services has not given any explanation and show me how they calculated what they say I owe. - Online Information Services never gave me the original creditor 's statements, contracts, copies of checks, complete payment history. - Online Information Services never demonstrated that this debt was not claimed as a loss with any insuring entity. - Online Information Services never Indicated if the debt is assigned or purchased. etc. This leads me to believe that this is fraudulent. Online Information Services is trying collect a debt that is not owed, and is out of the statue of limitation!
Company Response: Closed with explanation

Disputed: Yes Timely Response

2015-12-10

Brentwood, NC

False statements or representation

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

Attempted to collect wrong amount
Company Response: Closed with explanation

Disputed: No Timely Response

2015-12-07

Harrisville, NH

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

2015-11-30

Columbus, OH

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: Yes Timely Response

2015-11-16

Spring Hill, FL

Improper contact or sharing of info

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

Contacted me after I asked not to
Complaint: XXXX works for Online Information Solutions about my {$300.00} some debt for XXXX XXXX. The only reason he has my information was because I called the debt recovery solutions company because I do want to pay my debt, when I can. I explained I want to buy a house, but paying all my debts at the price they are is something I ca n't do at the moment. I wanted to see if they would settle for a less amount. It turns out they would n't, but I said I would pay when I can. Instead of trusting that I will pay when I can, XXXX is constantly calling my phone leaving voicemail after voicemail. Today he called at XXXX, I explained AGAIN that I do n't have the money right now, I will pay when I can and to please stop calling it is harrassing. He told me he is allowed to keep calling. I said it is against the law to harass me like this and he replied with " It does n't work like that we can keep calling '' ; implying that he is above the law and making me feel pressured to pay, or else.
Company Response: Closed with explanation

Disputed: No Timely Response

2015-11-13

Occoquan, VA

Cont'd attempts collect debt not owed

Debt collection: I do not know

Debt is not mine
Complaint: I received a letter in the mail claiming that I owe debt to a creditor for my daughter that was sent to ONLINE Information Services ( dba ONLINE Collections ). I called the debt collection company to get their professional license number and they refused to give it to me. Also, when they tried to verify my account info and asked for the last XXXX digits of my social security number and my daughter 's date of birth, the information they have on file was incorrect. Further, my first name on the letter was spelled incorrectly. I believe this is a fraudulent company and a scam to collect personal information on me.
Company Response: Closed with explanation

Disputed: No Timely Response

2015-11-12

Dunnellon, FL

Incorrect information on credit report

Credit reporting:

Information is not mine
Company Response: Closed with explanation

Disputed: Yes Timely Response

2015-11-12

Brandon, FL

Disclosure verification of debt

Debt collection: I do not know

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

Disputed: No Timely Response

2015-11-10

Katy, TX

Disclosure verification of debt

Debt collection: Medical

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

Disputed: No Timely Response

2015-10-29

Charlotte, 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

2015-10-26

Watkins, CO

Incorrect information on credit report

Credit reporting:

Account status
Complaint: I had an account w XXXX XXXX XXXX, this was paid last year. A collector just posted this account on my credit as a new collection when it is not, dropping my credit score over XXXX points. This is the company illegally collecting a paid debt : ONLINE COLLECTIONS XXXX XXXX XXXX, NC XXXX ( XXXX ) XXXX
Company Response: Closed with non-monetary relief

Disputed: No Timely Response

2015-10-22

Thompsons Station, TN

Incorrect information on credit report

Credit reporting:

Account status
Complaint: On XX/XX/XXXX, Online Collections signed for and received a certified letter from me in which I explained to them that I was disputing the debt that they had placed on my credit report and was requesting validation and removal of the account due to reporting errors and the account being beyond the statute of limitations in the state of Arizona which is 3-6 years depending on debt type. I further requested something with my signature in order to prove that the account was even mine. The sent me a statement that only showed what they say I owed and that was pretty much it. The date of the account that they placed on my credit report was XX/XX/XXXX and the account was for electrical service from the XXXX XXXX XXXX in Arizona. My family moved out of XXXX in XX/XX/XXXX. I called Online Collections on XX/XX/XXXX and spoke with their Assistant Manager ( Ca n't remember his name ) and explained to him that I had moved out of AZ in XX/XX/XXXX and had requested that the electric and water be shut off at that time and that they would have owed me money from the deposit, not me owing them. I further explained to him that the account was reported as opened in XX/XX/XXXX which is a violation of the FCRA and FDCPA due to the account actually being from XX/XX/XXXX and the account needed to be removed immediately from my credit reports. He was rude and would not cooperate with helping me at all. I then filed a complaint with the XXXX ( XXXX ) on XX/XX/XXXX after speaking with and getting no assistance from their Assistant Manager. In the response on XX/XX/XXXX from the XXXX, they did not answer the complaint, only requested that I call and speak with their manager, XXXX XXXX. I called and spoke with XXXX XXXX and he was professional but refused to help even after I explained to him that the tradeline was reported incorrectly and in violation of the law as well as beyond the statute of limitations. I then explained to him that he was leaving me with little choice but to go ahead and file a lawsuit in order for this to be corrected. He then advised me that if that was what I wanted to do, OK. I then made contact with a consumer attorney in XXXX, AZ ( XXXX XXXX ). XXXX XXXX advised me that this would be a slam dunk, easy case to win. He then asked me if what I wanted was for the credit report to be fixed or if I wanted to win damages. I explained that all I really wanted was the account removed from my credit reports. He then recommended that I contact the XXXX due to me living in XXXX and the collection agency being located in North Carolina and the litigation would have to take place in AZ. He advised that it would cost me {$3500.00} - {$4000.00} in attorney 's fees in order to get this lawsuit filed and litigated. Then I would have to travel back and forth from AZ for the litigation and if all I wanted was the tradeline removed that the XXXX was what I should try first. I do not want Online Collections money ( it wouldnt hurt ) but I want this removed from my credit reports. I did not retain XXXX XXXX in lieu of attempting one last effort of resolving this issue without litigation. Please help me. I am attaching a copy of the original letter that I sent to online collections as well as the XXXX complaint. Thank you
Company Response: Closed with explanation

Disputed: Yes Timely Response

2015-10-20

Tampa, FL

Improper contact or sharing of info

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

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

Disputed: Yes Timely Response