ONLINE Information Services, Inc.

2019-09-19

Attempts to collect debt not owed

Debt collection: Other debt

Debt was paid
Company Response: Closed with explanation

Timely Response

2019-09-12

Key Biscayne, FL

Communication tactics

Debt collection: Other debt

Used obscene, profane, or other abusive language
Complaint: Hello, I made a payment to this collections agency on XX/XX/XXXX and they still haven't taken me out of collections. This is affecting my life. I called them many times but they didn't take any action. Today, I called them again and they said " NO, we will not remove it ''. They just don't care. They are uneducated people who ruin people 's lives and who don't even care. They don't even follow the process and don't care about law. When I tried to explain that this is NOT the process and they need to remove it from my credit, a woman named XXXX said no, she will not and she hanged up the phone on me. This is an awful company who hired the worst people with no education, no communication skills and no empathy. I am fed up with these people and this company. An electric company should not have worked with such terrible company! Regards, XXXX
Company Response: Closed with explanation

Timely Response

2019-09-11

Mem, TN

Threatened to contact someone or share information improperly

Debt collection: Medical debt

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

Timely Response

2019-09-05

Longs, SC

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

2019-09-04

Belvedere, GA

Attempts to collect debt not owed

Debt collection: Medical debt

Debt is not yours
Company Response: Closed with explanation

Timely Response

2019-08-31

Wallington, NJ

Took or threatened to take negative or legal action

Debt collection: Medical debt

Threatened or suggested your credit would be damaged
Complaint: Collection Agency : ONLINE Information Services XXXX. XXXX XXXX XXXX, NC XXXX USA This is a medical debt collection. According to XXXX, medical debt collections are not to be reported until after 180 days. XX/XX/19 - Collection agency received account ( {$170.00} balance ). XX/XX/19 - Payment sent of {$50.00}. No communication, statements, anything from collection agency between XX/XX/19 and XX/XX/19. XX/XX/19 - Reported to credit bureau are unpaid. XX/XX/19 - Attempted to call and resolve without resolution.
Company Response: Closed with explanation

Timely Response

2019-08-30

E Windsor, NJ

Attempts to collect debt not owed

Debt collection: Medical debt

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

Timely Response

2019-08-29

Smyrna, SC

Took or threatened to take negative or legal action

Debt collection: Other debt

Threatened or suggested your credit would be damaged
Complaint: Online Information Services a collection agency for XXXX XXXX. Online Information Services list on all three credit bureau for me as a charge off for {$170.00} XX/XX/2017. And neither company can provide me with proof that this account is mine, they can not provide me with an agreement contract that bares my signature. I disputed this account with them on many occasion and still unsuccess. This account has damaged my credit for the last 3 years.
Company Response: Closed with explanation

Timely Response

2019-08-29

Tampa, FL

Written notification about debt

Debt collection: Other debt

Didn't receive enough information to verify debt
Complaint: I sent this company several letters asking them to verify this debt or remove it from my account. What they sent me back was just a letter with itemized charges that I allegedly owed. Theres no signed contract with my name or anything. That does not meet the federal trade Commissions guidelines of what constitutes proper debt validation! You should also be aware that reporting such invalidated information to major credit bureaus might constitute defamation of character, as the negative marks on my credit report harm my credit and prevent me from enjoying all the benefits of good credit. In addition, the Fair Credit Reporting Act ( FCRA ) does not allow the inaccurate reporting of information on my credit report and under this act.
Company Response: Closed with explanation

Timely Response

2019-08-27

Brooklyn, NY

Written notification about debt

Debt collection: Other debt

Didn't receive enough information to verify debt
Complaint: Verification letter was sent on XX/XX/XXXX and the collector did not respond.
Company Response: Closed with non-monetary relief

Timely Response

2019-08-27

Avondale, OH

Attempts to collect debt not owed

Debt collection: I do not know

Debt is not yours
Company Response: Closed with explanation

Timely Response

2019-08-26

Lexington, KY

Written notification about debt

Debt collection: Other debt

Didn't receive enough information to verify debt
Complaint: Back in late XXXX, early XXXX I had some financial issues. I believe i have paid everything I owed back then. I have mailed several dispute letters to the bureaus and also directly to Online Collections for 100 % verification. Online never responded to me with any type of validation.
Company Response: Closed with explanation

Timely Response

2019-08-23

Hinsdale, IL

Written notification about debt

Debt collection: Medical debt

Didn't receive enough information to verify debt
Complaint: I was in the hospital late last year due to a rare XXXX. All of the $ XXXX I was billed went to my health insurance and was paid, subject to co-pays. No issues there. In XXXX of this year, I attempted to refinance my mortgage and discovered 4 collection items on my account. This did not allow me to refinance my mortgage at the time of the low rates and cost me about {$70000.00} long-term. I was able to contact the collections company with info obtained by my mortgage broker. They advised these were bills from when I was in the hospital. They advised that these had already been submitted to my insurance company. I advised that was impossible, as I wasn't even aware of these bills. They later agreed. The collections company agreed to submit to my health insurance. Two weeks later, they have still not done so. The collection company would not give me information for this company that supposedly billed me and sent me to collections, so I had to dig online. After a couple weeks, I found this company " XXXX XXXX ''. I called them earlier this week and they advised that they had sent me one letter ( while I was still in hospital ) and texted my phone ( not even sure what phone I had when I was in hospital ). During the call, I gave them my health insurance info, and they advised they would send to my insurance company and notify the collections company to remove the accounts. Today, I called back to ensure this was happening, and, unsurprisingly, it was not. They had not yet contacted my health insurance company or the collections company, and instead had false notes regarding my interactions with them. They said I left a voicemail, but they tried to call me back and couldn't reach me. All of that is untrue. I had voice-to-voice contact with them just two days earlier! My issue with them is still not resolved, and at this point, I literally can not get either the collections company or this company to get this properly submitted to my insurance and remove my collection accounts. I work in the insurance arena, though not health insurance. Frankly, it boggles my mind that these types of companies are allowed to operate. Had I not had several friends as lawyers and financial advisers, I never would have even been able to find this company. They didn't bill me, sent me to collections, hid, and cost me {$70000.00} of potential savings on my mortgage. It's almost surreal.
Company Response: Closed with explanation

Timely Response

2019-08-20

Raleigh, NC

Attempts to collect debt not owed

Debt collection: Medical debt

Debt is not yours
Company Response: Closed with explanation

Timely Response

2019-08-19

Atlanta, GA

Took or threatened to take negative or legal action

Debt collection: Medical debt

Threatened or suggested your credit would be damaged
Complaint: ONLINE INFORMATION SYSTEMSXXXX XXXX XXXXXXXX NC XXXXXXXX XXXXHas placed medical collections on my XXXX Credit Report, which they have not validated. I have sent them a Demand Letter, explicitly stating the requirements for debt validation as per the terms of the law;To: ONLINE INFORMATION SYSTEMSXXXX XXXX XXXXXXXX NC XXXXI am sending this letter due to your incorrect reporting to the Credit Bureaus. This erroneous reporting negatively impacts my credit which hinders my ability to get financing. I’m requesting in accordance with the Fair Debt Collection Practices Act (15 USC 1692g, Section 809b) notifying you that your claim is disputed and validation is required. I am not requesting verification rather I am requesting validation as per the referenced title and section of the law. Please provide me with the complete evidence you have stating that I am legally obligated to pay you.I request the following:Justification for the claimed amount, including invoices or receipts.Explanation of how you calculated the amount owed.Copies of any documents stating that I agreed to pay the claimed amount.The identity of the original creditor.Proof that the Statute of Limitations has not expired on these accounts. Proof that you are licensed to collect debt in my state.Your licensed numbers and Registered Agent or Agent of Service.I will require 30 days to investigate any proof sent with this claim. During this time collection activity must cease and desist. If any action is taken during this validation period that negatively impacts my Credit Report, including any potentially inaccurate information, I will consult my legal consul. If I personally don’t receive a response from you for validation of these accounts within 30 days, all references to the accounts must be deleted from all three Credit Bureaus. As they have received this letter via certified postal mail, I expect them to remove the collections from my credit reports because the debts are not valid and unless they are able to prove the debts are valid I must not have false information negatively impacting my credit report.
Company Response: Closed with explanation

Timely Response

2019-08-19

Manchester, NH

Attempts to collect debt not owed

Debt collection: Other debt

Debt is not yours
Company Response: Closed with explanation

Timely Response

2019-08-18

Galena, OH

Incorrect information on your report

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

Account information incorrect
Complaint: I had an open account with XXXX XXXX of $XXXX. This was paid on XX/XX/2019 or close to that date. Online services,inc has this account and once it was paid, they have refused to update the account or delete it. I’ve disputed it multiply times, included the paperwork showing that it’s an XX/XX/XXXX account balance, but Online Services, Inc, refuses to acknowledge the information.
Company Response: Closed with explanation

Timely Response

2019-08-17

Hon, HI

Attempts to collect debt not owed

Debt collection: Other debt

Debt is not yours
Complaint: This debt was originally sold by XXXX to a company called XXXX XXXX XXXX. I set up a dispute via XXXX and this debt was deleted in February of 2019. The original dispute report number via XXXX is XXXX for $XXXX. This same debt was then given to a new collections company called Online Collections. I set up a new dispute via XXXX and lost that dispute. This collections account is only showing up via XXXX at this time.
Company Response: Closed with explanation

Timely Response

2019-08-17

Billerica, MA

Attempts to collect debt not owed

Debt collection: Other debt

Debt was paid
Complaint: I paid off this debt on XX/XX/2019Confirmation number XXXXI confirmed with XXXX XXXX my account had a XXXX balance. But the collection agency is refusing to update my credit report. I tried disputing it with XXXX but they are still reporting it as owed
Company Response: Closed with explanation

Timely Response

2019-08-16

Thompsons Station, TN

Attempts to collect debt not owed

Debt collection: Other debt

Debt was result of identity theft
Complaint: While attempting to set up new utilities at my new home in XXXX XXXX, XXXX I was informed that due to bad debt I was required to pay deposits. I then was told that someone named XXXX XXXX and XXXX XXXX are using my social security number to obtain utilities in XXXX, IL. I then filed a police report the same day with XXXX Metro Police Department as well as contacting XXXX XXXX XXXX XXXX XXXX. I spoke with their customer service and submitted the requested paperwork verifying I am the rightful owner of the social security number and for them to stop allowing these people to use my information illegally. I was told I have to prove to them I am the rightful owner of the social security number, even though this company did not make the thief verify their ID. I am now obtaining a ton of documentation to prove I have lived in XXXX, XXXX for the past 20 years and have never owned property in the state of IL. I have no knowledge of these people and can not understand why this allowed to continue, given her address is known.
Company Response: Closed with explanation

Timely Response

2019-08-12

Gr, MI

Attempts to collect debt not owed

Debt collection: Other debt

Debt was paid
Complaint: On XX/XX/2019 a payment of XXXX was paid to the original creditor XXXX XXXX/ XXXX XXXX XXXX and was paid in full. The debt collection agency reported that {$160.00} was owed then it was updated shortly after with a XXXX balance but still open. I disputed the claim because the debt was paid in full. I received a statement stating that there was a balance of XXXX still due on the account. That amount was never reported. I went ahead and paid the XXXX over the phone on XX/XX/2019. I contacted the collection agency shortly after because they were still reporting a XXXX balance and that the account was still open
Company Response: Closed with explanation

Timely Response

2019-08-12

Kingstree, SC

Attempts to collect debt not owed

Debt collection: Other debt

Debt is not yours
Complaint: This company Online Information which I hold no CONTRACT with nor have received services from reported a credit account against my SSN to credit reporting agencies. I requested VALIDATION under the fair credit reporting act and verification of debt however the company failed to provide adequate proof of my identity or validate debt. The account was not placed in dispute on my credit report while under investigation. The debt was not validated within 30 days, as after 30 days without debt validation account to be deleted. considering this business does not have a contract with me for goods nor services they have provided adequate proof of application and identity or proof i am not obligated to pay for the alleged debt. I am requesting that you allow me to validate the alleged debt. I am unaware of any outstanding utility bills that I possess, and I am seeking the name of the company to which I owe the debt and a detailed breakdown of the fees that I owe. Cease any credit bureau reporting until the debt has been validated by me.
Company Response: Closed with explanation

Timely Response

2019-08-11

Chicago, IL

Attempts to collect debt not owed

Debt collection: Other debt

Debt is not yours
Company Response: Closed with explanation

Timely Response

2019-08-07

Warrenton, VA

Attempts to collect debt not owed

Debt collection: Other debt

Debt was result of identity theft
Complaint: Someone using my name set up a few utility accounts in North Carolina in XX/XX/XXXX. They were placed in collections in XX/XX/XXXX. I did not receive any communications from the agency until XX/XX/XXXX. I have been sending documentation to establish my identity and show that I did not open the accounts in question. They have gotten every bit of information they need to clear it, minus a police report. My local police office does not issue police reports, but they did provide a letter stating all of the information I reported to them. The collections agency refuses to clear my case until they have a police report even though they have spoken directly to my local police department. There is nothing more I can do from my end, and the agency refuses to clear my case. They are literally holding my credit score hostage.
Company Response: Closed with non-monetary relief

Timely Response

2019-08-07

Dayton, OH

Written notification about debt

Debt collection: Other debt

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

Timely Response