ONLINE Information Services, Inc.
Consumer Complaints
There are over 667 complaints on file for ONLINE Information Services, Inc.. Dated between 2019-12-13 and 2013-12-06.
Complaints Page 7
2019-03-26
Fountainville, PA
Attempts to collect debt not owed
Debt collection: Other debt
Debt is not yours
Complaint: Sometime in 2018 I reported a down line to XXXX in the back yard of the building I was at. The building had no power and I was not sure if the wire was live. In order to make the outage and service request they took my information and shortly after I received a letter in the mail with an erroneous electric bill. I called and told them the situation, which is that there was no electric bill in my name and that the information provided was only to put in the request because I thought it was dangerous. They told me they could not close the account because it was opened and had unpaid charges, which is not my issue. The person who opened the account was not authorized to do so and I have no idea what electricity they were claiming I used. The electric that was running to my area ( which I had found out was an illegal subsidy ) was not separate from the building 's main electric. There was never any electric bill there until I called to try to get help because there was no light and it happened shortly after a storm and I noticed a down wire.
Completely fraudulent bill. They did not have any documentation to open the account and they refused to give proof of the electric service or close the account because I couldn't provide them with a lease, there was no lease. I was informed that in order to open the account they would have had to have a lease.
I do not owe anything and the charges they sent to collections are now on my credit and affecting my score and ability to live and work. This company is completely fraudulent and should be shut down. I am taking them to court. I have been harassed, now punished, and had my credit blemished by their fraud.
Company Response: Closed with non-monetary relief
2019-03-24
Dover, DE
Attempts to collect debt not owed
Debt collection: Other debt
Debt was paid
Company Response: Closed with explanation
2019-03-23
Independence, KY
Written notification about debt
Debt collection: Other debt
Didn't receive notice of right to dispute
Complaint: Online information service for XXXX XXXX.
XX/XX/14 {$730.00} I was never given a notice i could dispute and also this was in my bankruptcy.
Company Response: Closed with explanation
2019-03-21
Galena, OH
Attempts to collect debt not owed
Debt collection: Other debt
Debt was result of identity theft
Complaint: To Whom It May Concern, The reason for my dispute is ONLINE INFORMATION SERVICES # XXXX was required to notify me no later than 30 days after furnishing the negative information to credit bureau reports, in writing ... under such section 623, subsection ( 7 ) ( A ). However, in my records, I am unable to locate documentation that they complied with this requirement, which is a violation of the FCRA & FDCPA. Also, ONLINE INFORMATION SERVICES failed to give me my " XXXX '' five days prior to placing this derogatory item on all of my credit reports, per Section 807 ( 11 ) & FDCPA 809, Under 809. Validations of date and XXXX under Section807 ( 1 ) ONLINE INFORMATION SERVICES failed to send me my initial communication before placing this alleged item on my credit reports further violating the FCRA, with {$1000.00} per violation ONLINE INFORMATION SERVICES is held liable as well for defamation and in the state of OHIO indebtedness with those of other creditors against an individual debtor or codebtors.
FDCPA I fail to see where ONLINE INFORMATION SERVICES is in compliance with OHIO LAW. I also have report this account to the FTC, and XXXX Police Dept.I need this collection account to be removed from my credit report. ONLINE INFORMATION SERVICES has not even tried to contact me regarding this Fraudulent collection account. Please have them remove this collection account immediately.
Company Response: Closed with non-monetary relief
2019-03-19
Tuckasegee, NC
Attempts to collect debt not owed
Debt collection: Other debt
Debt was result of identity theft
Company Response: Closed with non-monetary relief
2019-03-19
Boston, MA
Attempts to collect debt not owed
Debt collection: Other debt
Debt was paid
Complaint: I have disputed this item with the credit reporting agency and they reported you confirmed the account as valid. I honestly do not believe to ever have any relationship with this collection agency or original creditor. Also there are several inaccuracies with this account the way it's reporting and that's a total violation of FCRA and FDCPA laws and regulations. In a good faith effort to resolve the matter amicably, I must demand proof of this debt, specifically the alleged contract or other instrument bearing my signature, as well as proof of your authority in this matter. Absent such proof, you must correct any erroneous reports of this past debt as mine. I am writing to request that you please provide the following information : 1. Please evidence your authorization under 15 USC 1692 ( e ) and 15 USC 1692 ( f ) in this alleged matter. 2. What is your authorization of law for your collection of information? 3. What is your authorization of law for your collection of this alleged debt? 4. Please evidence your authorization to do business or operate in this state. 5. Please evidence proof of the alleged debt, including the alleged contract or other instrument bearing my signature. 6. Please provide a complete account history, including any charges added for collection activity.
Company Response: Closed with explanation
2019-03-18
VA
Written notification about debt
Debt collection: Medical debt
Didn't receive enough information to verify debt
Complaint: I visited an ER at XXXX XXXX on XX/XX/2018. In XX/XX/2018 I was notified by my credit monitoring subscription with XXXX that a negative report/collection was placed in my credit file and my credit score decreased over XXXX points. This is a medical bill from XXXX XXXX in the amount of {$210.00} which my Health Insurance Company / Self Funded plan thru my employer, did not pay apparently in a timely manner due to the employer did not fund the plan. I contacted my employer and the plan administrator, XXXX XXXX XXXX XXXX P.O. Box XXXX, XXXX, LA XXXX, XXXX. They have now indicated paying the claim in the amount of {$35.00} and stating my responsibility is {$0.00} due to the claim was not received in a timely manner. The debt remains with the collection agency as unpaid and has been reported to XXXX, XXXX and XXXX. I have appealed thru XXXX and it has been removed but it remains active on my XXXX and XXXX credit reports. The company, XXXX XXXX, still indicates I owe the balance even though the plan administrator indicates I do not. The collection agency is " Online Collections ''. This ordeal has affected my ability to obtain a mortgage at a competitive rate as my good credit rating has been affected significantly. Please note also that I have reported the employer, XXXX XXXX XXXX XXXX, to the Department of Labor for not funding my insurance plan and not paying my insurance claims as they should have. The contact with the DOL is XXXX XXXX, ( XXXX ) XXXX, XXXX.
Your assistance in resolving this matter promptly is greatly appreciated.
Sincerely, XXXX XXXX
Company Response: Closed with explanation
2019-03-16
Jacksonville, FL
Attempts to collect debt not owed
Debt collection: Medical debt
Debt is not yours
Complaint: I have contact them severals time in regards to providing me validation of this debt. The will not respond.
Company Response: Closed with explanation
2019-03-16
St Heights, MI
Written notification about debt
Debt collection: I do not know
Didn't receive notice of right to dispute
Company Response: Closed with explanation
2019-03-15
Tampa, FL
Attempts to collect debt not owed
Debt collection: Other debt
Debt was paid
Complaint: This collection with Online Services for XXXX XXXX / XXXX was paid directly to XXXX on XX/XX/19. XXXX stated that they would request that the collection be retracted from Online Services but Online Services is stating they will only report the debt as paid. Per the FCRA, Online Services does not have a valid collection as the original creditor recived direct payment. They are required to remove the debt from my credit.
Company Response: Closed with explanation
2019-03-15
E Stroudsburg, PA
Improper use of your report
Credit reporting, credit repair services, or other personal consumer reports: Credit reporting
Reporting company used your report improperly
Company Response: Closed with explanation
2019-03-14
Written notification about debt
Debt collection: I do not know
Didn't receive notice of right to dispute
Company Response: Closed with explanation
2019-03-12
Incorrect information on your report
Credit reporting, credit repair services, or other personal consumer reports: Credit reporting
Account information incorrect
Company Response: Closed with explanation
2019-03-11
Bayway, NJ
Problem with a credit reporting company's investigation into an existing problem
Credit reporting, credit repair services, or other personal consumer reports: Credit reporting
Problem with personal statement of dispute
Complaint: I received a collection notice for {$59.00} from a Debt Collector named XXXX XXXX XXXX from car accident which occured on XXXX XXXX. I sought legal counsel and was told to forward any bills I received to my attorney, ( XXXX XXXX XXXX ), who would notify the creditor, that the bill is in litigation, and would be paid from my settlement with the insurance company. I forwarded the bill to my attorneys office when I finally received it 6 months later in XXXX of XXXX. I called the creditor and advised them that they should contact my attorneys office if they had any questions about the litigation status, and provided a women named XXXX from XXXX XXXX XXXX with my Attorneys contact information. I noticed the item was on my credit report and asked XXXX what would it take to be removed. She advised me once she confirms with my lawyer that its included in the settlement, or if I pay the {$59.00}, they would remove it from my credit report. She said she could no longer speak to me and would need to speak to my Lawyers office. In XXXX of XXXX, I disputed the collection with all three bureaus and XXXX and XXXX, were given the go ahead to remove the item from both reports ; however, XXXX claimed that XXXX XXXX XXXX electronically advised them not to remove the item. My lawyer advised me that even though XXXX advised it would be removed from all three bureaus after their conversation in XXXX, she told me to just pay the {$59.00} and ask for a Good Will removal, since they already gave XXXX and XXXX the green light to remove it. On XX/XX/XXXX, my Attorneys office contacted XXXX XXXX XXXX to find out why the collection wasnt removed from XXXX after being told it would be, XXXX advised my attorneys office to have me make a payment and it would be removed. XXXX gave my attorney the website to make a payment but said I had to call to get the security pin to pay online. I contacted XXXX that same day, and she provided me the pin, and advised once the payment is made to have my Lawyer contact her and provide the reference number and they would have it deleted, she advised we could also leave the number on her voicemail. We left countless voicemails for XXXX since XX/XX/XXXX and we have never heard back from her. I disputed it again and with XXXX and attached a copy of the receipt, but XXXX refused to remove the account and stated the creditor responded saying they havent received a payment. I am unsure what to do as this company has taken my money and hasnt removed the account from my XXXX report, as they promised they would.
Company Response: Closed with explanation
2019-03-08
Cincinnati, OH
Attempts to collect debt not owed
Debt collection: Other debt
Debt was already discharged in bankruptcy and is no longer owed
Company Response: Closed with non-monetary relief
2019-03-06
Five Points, NC
Written notification about debt
Debt collection: Medical debt
Didn't receive enough information to verify debt
Company Response: Closed with explanation
2019-03-02
Wallington, NJ
Incorrect information on your report
Credit reporting, credit repair services, or other personal consumer reports: Credit reporting
Account information incorrect
Complaint: Online Information Services ( OIS ) first contacted me about an alleged debt that was owed. I responded to them within 30 days, disputing the debt. OIS even sent me a letter, stating that they received my letter. Nevertheless, OIS reported the debt to the credit reporting agencies. And, even though I disputed the debt, my credit report states " Dispute resolved ; customer disagrees. '' The dispute was definitely not resolved. Its misleading wording has led my credit report to list this as a negative factor in my nearly perfect credit score.
I called OIS ( a call which was recorded ) and stated that the information relayed to the credit reporting agencies was incorrect. They have refused to change the incorrect information.
My understanding of the law is that if a debt is disputed within 30 days of the debt collector contacting me, the debt collector can not report the debt to the credit reporting agencies. Second, I also understand the law to state that if there is any incorrect information listed on my credit report, the debt collect must, by law, correct the incorrect information.
I have attached a letter from OIS which proves that they received a letter from me, disputing the alleged debt.
Company Response: Closed with explanation
2019-02-27
WV
Written notification about debt
Debt collection: Medical debt
Didn't receive notice of right to dispute
Complaint: I had a medical imaging bill sent to collection that i thought shouldve been taken care of by my insurance provider. Im trying to fix my credit and now to try and buy a home. I called the the collection agency to resolve this by paying it but they told me they were not authorized to take this off my credit report. I did not pay it because i was told my my loan adviser not to pay if they could not get it off my report because it wouldnt do us any good. The date off the collection was on XX/XX/2013.
Company Response: Closed with explanation
2019-02-26
NJ
Problem with a credit reporting company's investigation into an existing problem
Credit reporting, credit repair services, or other personal consumer reports: Credit reporting
Their investigation did not fix an error on your report
Complaint: I submitted a verification letter to Online Information Services and received a screenshot of a statement. I informed the collection agency ( OIS ) that the account does not belong to me because I never resided on the street they have attached to the statement. I then disputed the inaccuracy and violation I found aside from the address ; dates of last activity not matching the other two credit bureaus with the three credit bureaus. XXXX and XXXX removed the said inaccuracy/ violation however XXXX started that OIS said to keep it on my credit report because they said it is accuracy. I also requested to see the document OIS submitted and they confirmed it's the same one they sent me. After speaking with three individuals from XXXX ; XXXX, XXXX ( Supervisor ) & XXXX I was told to contact OIS and see if they can remove it.
Company Response: Closed with explanation
2019-02-25
Tampa, FL
Written notification about debt
Debt collection: Other debt
Didn't receive notice of right to dispute
Complaint: I DO NOT KNOW THIS COMPANY. IT A SOME SORT OF COLLECTION AGENCY.
I DO NOT WANT TO DEAL WITH THEM AS INFORMATION IS INACCURATE
Company Response: Closed with explanation
2019-02-23
Chicago, IL
Attempts to collect debt not owed
Debt collection: I do not know
Debt is not yours
Complaint: Online information appeared on my credit report, I never seen or heard of company in my life
Company Response: Closed with non-monetary relief
2019-02-22
Vauxhall, NJ
Written notification about debt
Debt collection: I do not know
Didn't receive enough information to verify debt
Company Response: Closed with explanation
2019-02-12
E Atlantc Bch, NY
Took or threatened to take negative or legal action
Debt collection: Medical debt
Threatened or suggested your credit would be damaged
Company Response: Closed with non-monetary relief
2019-02-12
FL
Attempts to collect debt not owed
Debt collection: Other debt
Debt is not yours
Complaint: To Whom It Concerns : I have previously sent you a request to validate an alleged debt under the Fair Debt Collection Practices Act and all I received were dates of electric service spanning from XXXX to XXXX, along with the alleged charges you claim I owe you. This does not meet the Federal Trade Commissions guidelines of what constitutes proper debt validation. This inaccurate document contains no accounting of any payments made nor missed, nor the dates on which those payments were made or missed. There isnt even any documentation with my signature on it that proves this is even my account at all. This information could have easily been drawn up and sent by anyone. Your verification document in no way provides sufficient verification of this alleged debt. There isnt any legitimate, verifiable proof that I owe anything to your Company and I don't.
This collection on my credit reports are causing me severe problems in trying to purchase a home and the damages could lead into the $ 1000s. 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. The Fair Credit Reporting Act ( FCRA ) does not allow the inaccurate reporting of information on my credit report. Therefore, if you do not immediately remove this account from all Credit Bureaus, you are subject to another {$1000.00} FCRA violation fine, plus punitive damages. I'm sure your legal staff will agree that non-compliance with this request could put your company in serious legal trouble with the FTC and other state or federal agencies.
I intend to follow through with the suit if these unverified charges are not deleted from my credit reports within 15 days.
Sincerely,
Company Response: Closed with explanation
2019-02-09
Beaumont, TX
Attempts to collect debt not owed
Debt collection: I do not know
Debt is not yours
Company Response: Closed with explanation