ONLINE Information Services, Inc.

2015-10-15

FL

Improper contact or sharing of info

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

Talked to a third party about my debt
Complaint: Online collection XXXX, never contacted me but instead placed a collection on my credit report XXXX, for a debt I knew nothing about so I contacted experian to check into this ( A DISPUTE ) 3 days later they said it was legit and would stay on my file so I contacted XXXX XXXX at XXXX about account no. XXXX with them. On XXXX it 's acct. No. XXXX. Anyway they said it was a teco bill I owed in XXXX fl. I 've never lived there. But I contacted XXXX and spoke with XXXX I 'd # XXXX he looked and found absolutely nothing but my current acct XXXX and stated if it was legit they would have sent notice to me at the XXXX address. So I called XXXX XXXX back and he said he 'd look into it he determined it was a man I had resided with/ worked for back in the XXXX and early XXXX but said I 'd cosigner for this man. After a few days of working together to figure this out he " determined it was n't legit '' and then proceeded XXXX XXXX XXXX 2015 to say '' 15 minutes after our conversation yestarday the bill was dropped from your experian account '' I asked so it 's removed he said yes I thanked him and hung up. The next day I checked credit carmaker it 's still there so I did a free check on experian it was still there too. So not being sure how long it would take for experian to remove it on thier end I have waited more than 2 months and it is still there. So for 3 days I 've been calling XXXX XXXX and leaving messages but he wo n't return my calls.
Company Response: Closed with explanation

Disputed: Yes Timely Response

2015-10-14

IN

Cont'd attempts collect debt not owed

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

Debt was paid
Complaint: Online Collections reported a debt as unpaid open collections years after it has been paid. This misrepresentation is a violation of FCRA.
Company Response: Closed with explanation

Disputed: No Timely Response

2015-10-08

Charlotte, NC

Communication tactics

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

Frequent or repeated calls
Company Response: Closed with explanation

Disputed: No Timely Response

2015-10-05

Palm Coast, FL

Incorrect information on credit report

Credit reporting:

Information is not mine
Company Response: Closed with explanation

Disputed: Yes Timely Response

2015-09-30

Palm City, FL

Communication tactics

Debt collection: Medical

Used obscene/profane/abusive language
Company Response: Closed with explanation

Disputed: No Timely Response

2015-09-30

LA

Improper contact or sharing of info

Debt collection: I do not know

Talked to a third party about my debt
Complaint: XXXX XXXX XXXX XXXX XXXX Contacted extended family members of mine asking for me by my maiden name, which I 've been married for a long time. They claimed I had a debt and disclosed a dollar amount to the family members, but never stated what the debt was supposedly for, nor have they every contacted me. When I have tried to call it has either been a fast rapid busy signal or the person on the other end wants me to provide my SS # and personal information before they 'll speak with me about this supposed debt under my maiden name. I believe strongly it 's a scam, but regardless they keep calling other people, repeatedly badgering them, and stating each time different amounts that are supposedly owed.
Company Response: Closed with explanation

Disputed: No Timely Response

2015-09-30

Reeds, MO

Disclosure verification of debt

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

Right to dispute notice not received
Complaint: Online Collections submitted a {$190.00} collection for XXXX XXXX XXXX and failed to send me any notification to my known address on my credit report for over 2 years. This is in direct violation of Federal Law. Since I never knew about debt they failed to disclose it to me by not sending me a 30 day notice before placing it on my credit file with caused adverse reaction to my credit file in which they are liable to the fullest extent under law.
Company Response: Closed with explanation

Disputed: Yes Timely Response

2015-09-27

Boca Raton, FL

Cont'd attempts collect debt not owed

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

Debt is not mine
Company Response: Company believes it acted appropriately as authorized by contract or law Closed with explanation

Disputed: No Timely Response

2015-09-23

TN

Disclosure verification of debt

Debt collection: Medical

Right to dispute notice not received
Complaint: I did not receive a written or verbal notice giving me the opportunity to dispute or pay the debt. I was made aware of the debt when my credit report was pulled recently for a home purchase. This collection did not appear on my credit report pulled XX/XX/2015.
Company Response: Closed with explanation

Disputed: No Timely Response

2015-09-23

Key Biscayne, FL

Disclosure verification of debt

Debt collection: Medical

Right to dispute notice not received
Complaint: ONLINE COLLECTIONSXXXX XXXX XXXX, XXXX, NC XXXX ( XXXX ) XXXXThis company claims they sent one letter to me regarding this debt and then attached to my credit report. I never received letter and they say since they did not receive returned mail, they had right under federal law to report to credit bureau. One supposed letter and no phone calls is hardly due diligence to notify me before impairing my credit score.
Company Response: Closed with explanation

Disputed: No Timely Response

2015-09-16

Phoenix, AZ

Disclosure verification of debt

Debt collection: Medical

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

Disputed: Yes Timely Response

2015-09-10

Beckley, WV

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

2015-09-03

Mineral Wells, MS

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

2015-08-26

Bohemia, NY

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

2015-08-24

VA

Improper contact or sharing of info

Debt collection: I do not know

Talked to a third party about my debt
Complaint: I made XXXX previous reports about this issue and may have more information to add. Please refer to your file number XXXX and a report about what seems to be a phishing scam with the FTC number XXXX about a company calling themselves XXXX. Now on Saturday XXXX XXXX, we have received a similar call asking for the same XXXX party and where the party works etc. The number was from XXXX at Online Information Services, XXXX, NC and the main number is according to what i found on the internet, XXXX. They did not state why they want information on the XXXX party, and were told we do not know the XXXX party. I believe the call from this company and the other calls are connected, because the callers are asking for personal private information about the same XXXX party. This company did not say they were a bill collector, but from what i found about them they are a debt collector. I XXXX and found numerous complaints with the XXXX in North Carolina. What they are trying to do is get someone at my residence to share personal and sensitive and confidential information about an unknown XXXX party. We are also on the Do Not Call Registry
Company Response: Closed with explanation

Disputed: No Timely Response

2015-08-14

Wesley Chapel, FL

Communication tactics

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

Frequent or repeated calls
Company Response: Closed with explanation

Disputed: No Timely Response

2015-08-13

OK

Cont'd attempts collect debt not owed

Debt collection: I do not know

Debt is not mine
Complaint: I called to tell these people that this is NOT the right number. I do NOT owe anyone money. The first time no one would answer the phone. The next day, the XXXX lady hung up on me before she even got the number to look the account up. I called back multiple times before anyone would even answer the phone. The XXXX lady answered and before I could speak hung up. I repeatedly called back from XXXX different numbers and no one would answer for quite a while. Finally, I got someone to answer and she said she would look into it but did n't get any information to be able to locate anyone until I stopped her and gave it to her. She did give me the name associated with MY number but I have NEVER heard of this person.
Company Response: Closed with explanation

Disputed: Yes Timely Response

2015-08-12

South Florida, FL

Cont'd attempts collect debt not owed

Debt collection: Medical

Debt is not mine
Complaint: On XX/XX/XXXX I had an XXXX performed by XXXX XXXX XXXX. This procedure was covered by my medical insurance ( XXXX ). I provided XXXX XXXX XXXX my insurance card and the procedure was performed. Months later I received a bill for the above procedure. I called my medical insurer provider to inquire why. According to my medical insurance provider " XXXX XXXX XXXX sent the bill to the incorrect address '' therefore the bill was not paid by my insurance company. As per my insurance provider they provided the XXXX XXXX XXXX the correct billing address. '' I also called XXXX XXXX XXXX and provided the correct billing address just to make sure they had it right this time. From that point on I did not hear back from XXXX XXXX XXXX. Based on my conversation with my insurance provider it appears that XXXX XXXX XXXX submitted the bill on three different occasions, all three times to the wrong address, they had also submitted the bill past the one year filing limit. Sometime XX/XX/XXXX, XXXX XXXX XXXX reported to the credit reporting agencies that I had an unpaid bill ( this now shows in my credit report as a " collection '' ). I only became aware of this after checking my credit report, something that I do on a regular basis. At that point I contacted my insurance provider and the collection agency in order to determine why this was happening. I spoke with the collection company and explained my case, providing them all the background information. This did n't work. I have received several calls with intimidating tones and innuendos from the collection company. Many of these calls are during my work hours and are harassing in nature. Attached is the " explanation of benefits '' from my insurance company. In the claim summary, under " member responsibility '' it clearly show that I 'm not liable for the amount, Further down in the explanation section it also shows ( item TFO ) that the service provider, XXXX XXXX XXXX submitted the claim past the filing deadline. I believed this now a matter between XXXX XXXX and XXXX XXXX XXXX. I 'm in no way involved since I 'm covered for this procedure and I paid the required amount based on my health insurance coverage. I feel that this in unjust and unfair and that XXXX XXXX XXXX through its collection agency has damaged my credit, negatively impacting my financial future and potential transactions, and also possibly placed my job in peril as I 'm required to undergo periodic background checks based on my present position.
Company Response: Closed with explanation

Disputed: No Timely Response

2015-08-10

MI

Communication tactics

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

Used obscene/profane/abusive language
Complaint: I had received a phone call I called back and left a mmessage because he was on lunch. He called me back I asked if I could set up a payment arraignment I was told he would see what he could do I offered XXXX by the XXXX and I 'd do more each mnth after that. He declined and came back with XXXX by the XXXX. I informed him I could n't come up with that and asked to speak to a manager. The manager told me he did n't have to offer me any payment arrangements and so I got upset and asked to speak to his boss. I was falsely informed that there was no one else I could speak with that I had to write the president himself and wait for a reply. I got XXXX and used a little bit of profane language and told him there had to be someone else I could speak with and he said no and hung up. I called back XXXX got hung up on XXXX more times before I spoke to another manager. This manager told me that he did n't care what was said by the other manager I was talking to him now and so I said well then I need u to set up my payments so this does n't hit my credit like ur threatening. He then said I do n't have to do anything but I can. I said no u need to set this up for me so it does n't hurt my credit. Again he told me he did n't have to do anything but he can and hung up. I called back a final time in tears at this point cuz they are threatening to hurt my credit yet not set up a payment plan for me. I got the first manager I spoke to in the first place and he told me when I call to complain make sure I tell them that he set up my payments when the law would n't make him so he did me a favor even tho he did n't have too. I spoke to XXXX Id # XXXX. XXXX id # XXXX and XXXX I did n't get his id number. I was also informed that they have been contacting me multiple times that was thrown in my face and this was the first time I received a call and called right back.
Company Response: Closed with explanation

Disputed: No Timely Response

2015-08-03

Austin, TX

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

2015-08-02

Oxford, GA

Incorrect information on credit report

Credit reporting:

Account terms
Complaint: I contacted Online Collections in reference to a letter they sent me stating I must contact them in order to prevent this debt being placed on my credit. I spoke with '' XXXX @ XXXX '' on XX/XX/XXXX,2015 and the following was agreed by XXXX us. In order to prevent this from appearing on my credit I had to set up 4 automatic withdrawal payments in the amount of $ XXXXwith the first payment being withdrawn that day. I gave her my bank information and she immediately withdrew XXXX from my account. She assured me that this now would not be reported on my credit. She set up 3 additional autodraft payments for the remainding balance. I checked my bank statement and confirmed Online Collections had indeed withdrawn the {$110.00} payment required to keep this off of my credit. I did exactly what was agreed upon to insure this would not be reflected on my credit. Today XXXX XXXX XXXX, 2015 ) I see it is on my credit report as of today. What can I do when I kept my part of the agreement and the collection agency lied and did not keep their part of the agreement.
Company Response: Closed with explanation

Disputed: No Timely Response

2015-07-27

Maryville, TN

Cont'd attempts collect debt not owed

Debt collection: Medical

Debt was paid
Company Response: Closed with explanation

Disputed: Yes Timely Response

2015-07-18

Columbus, OH

Incorrect information on credit report

Credit reporting:

Information is not mine
Company Response: Closed with explanation

Disputed: No Timely Response

2015-07-17

Chatham, OH

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

2015-07-15

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