Progressive Financial Services, Inc.

2018-12-14

Fresno, TX

Attempts to collect debt not owed

Debt collection: Other debt

Debt was result of identity theft
Company Response: Company believes complaint caused principally by actions of third party outside the control or direction of the company Closed with explanation

Timely Response

2018-10-24

Glendale, CA

Attempts to collect debt not owed

Debt collection: Medical debt

Debt was paid
Complaint: This company called me stating that I owed money to a hospital that I did go to, however I had shown that hospital my insurance documents, so they are sending a fake scam debt collection to me. Not only did she not try to work or apologize when I had that information, she then proceeded to find another debt at another hospital. This tells me that this company, XXXX XXXX XXXX XXXX is fraudulent.
Company Response: Closed with explanation

Untimely Response

2018-07-24

Nyc, NY

Attempts to collect debt not owed

Debt collection: I do not know

Debt is not yours
Complaint: Progressive is charging me over 2,000 $ for something I never used. I dont own a car I dont own a insurance so I dont know why are they charging me.
Company Response: Closed with explanation

Untimely Response

2018-05-18

Damascus, PA

Improper use of your report

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

Credit inquiries on your report that you don't recognize
Company Response: Closed with explanation

Untimely Response

2018-04-16

Charlotte, NC

Written notification about debt

Debt collection: I do not know

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

Untimely Response

2018-04-05

Erin, NY

Attempts to collect debt not owed

Debt collection: Other debt

Debt was paid
Company Response: Closed with explanation

Untimely Response

2018-02-21

NJ

Communication tactics

Debt collection: Federal student loan debt

Used obscene, profane, or other abusive language
Complaint: To Whom it May Concern : This email is regarding a concern/complaint I would like to make in regards to the company Progressive Financial Services. I called the collection agency on XX/XX/18 to make a payment towards my student loan debt through XXXX XXXX University. The reference number provided is XXXX. I called the company initially to make a payment towards my debt and I was told that I had to make 2 payment installments. I asked if I could make a payment arrangement based on my income and I was told that I could only make the payments if I made a down payment. I was also told that my loan was collecting interest daily and monthly, I found this to be strange and thus I called XXXX XXXX university. I was informed by XXXX XXXX that the loan was only gaining interest monthly at a rate of 5 % and that the loan does not accumulate interest daily. I called Progressive financial services back and spoke with a lady names XXXX who was extremely rude because I did not want to provide my phone number. And stated in order for her to see if I qualify for monthly repayment she needed to ask me several questions. XXXX stated how can I answer these questions if I am not even willing to give my phone number. I asked XXXX about the FEEL program she stated that I might not qualify for this program and that the correspondence between the school and the collection agency could pose a delay. XXXX suggested to make a down payment of $ 300+ with monthly installment of $ XXXX. I told XXXX I could not afford this and if there were any options she said I could make payments online and with sarcasm she stated you must make 9 consecutive payments in order to qualify for the FEEL program. I felt ridiculed and as if I was bothering her with my questions. XXXX did not help me and stated she could not give me any additional information regarding the person who deals with the FEEL program. I would appreciate if someone could get back to me immediately through email or phone call to XXXX
Company Response: Closed with explanation

Timely Response

2018-02-08

Palo Alto, CA

Incorrect information on your report

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

Information belongs to someone else
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response Closed with explanation

Timely Response

2018-01-01

Gilman, IA

Communication tactics

Debt collection: I do not know

Frequent or repeated calls
Company Response: Closed with explanation

Timely Response

2017-10-04

Alachua, FL

Attempts to collect debt not owed

Debt collection: Other debt

Debt was result of identity theft
Company Response: Closed with explanation

Timely Response

2017-09-05

Anderson, OH

Dealing with your lender or servicer

Student loan: Federal student loan servicing

Need information about your loan balance or loan terms
Company Response: Closed with explanation

Timely Response

2017-07-24

Edgemoor, DE

Attempts to collect debt not owed

Debt collection: Other debt

Debt was paid
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response Closed with explanation

Timely Response

2017-05-30

Warren, RI

False statements or representation

Debt collection: Other debt

Attempted to collect wrong amount
Complaint: XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX , RI XXXX Prog Fin Srv XXXX XXXX XXXX XXXX , AZ XXXX XXXX : Acct # XXXX To Whom It May Concern : This letter is regarding account XXXX , which you claim I owe {$390.00} This is a formal notice that your claim is disputed. <P/> I am requesting validation, made pursuant to the Fair Debt Collection Practices Act and the Fair Credit Reporting Act, along with the corresponding local state laws. Please note that I am requesting validation ; that is competent evidence bearing my signature, showing that I h ave ( or ever had ) s ome contractual obligation to pay you. <P/> Please also be aware that any negative mark found on my credit reports ( including XXXX , XXXX and XXXX ) from your company or any company that you represent, for a debt that I dont owe, is a violation of the FCRA & FDCPA ; therefore if you can not validate the debt, you must request that all credit reporting agencies delete the entry. <P/> Pending the outcome of my investigation of any evidence that you submit, you are instructed to take no action that could be detrimental to any of my credit reports. <P/> Failure to respond within 30 days of receipt of this certified letter may result in small claims legal action against your company at my local venue. I would be seeking a minimum of {$1000.00} in damages per violation for : Defamation Negligent Enablement of Identity Fraud Violation of the Fair Debt Collection Practices Act ( including but not limited to Se ction 807-8 ) Violation of the Fair Credit Reporting Act ( including but not limited to Sect ion 623-b ) Pl ease Note : This notice is an attempt to correct your records, and any information received from you will be collected as evidence should any further action be necessary. This is a request for information only, and is not a statement, election, or waiver of status. <P/> My contact information is as follows : XXXX XXXX XXXX XXXX XXXX XXXX XXXX , RI XXXX P.S. Please be aware that dependent upon your response, I may be detailing any potential issues with your company via an online public press release, including documentation of any potential small claims action. I am also including a copy of my complaint to the organizations below : Cc : Attorney Generals Office Cc : Better Business Bureau
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response Closed with explanation

Timely Response

2017-05-10

MS

Communication tactics

Debt collection: I do not know

You told them to stop contacting you, but they keep trying
Complaint: This company has continually tried to call my phone and say they were calling me about an important business matter. One woman c alled today and I answered the phone and asked her what the call was pertaining to and she hung up in my face. Then I call back and ask the same question and the lady was ubseenly rude and told me that she needed my whole social security number. I told her I do not give that information out over the phone and that I had previously had my identity stolen as a kid. She sais, '' we will continue to call you until you give me your social security number. '' I said, '' then take me off the call list '' and I hung up on her. Also, when I called back I heard the automated system say progressive financial.
Company Response: Closed with explanation

Timely Response

2017-05-08

OK

False statements or representation

Debt collection: Other debt

Attempted to collect wrong amount
Complaint: Collection Agency ( Progressive Financial ) is n ot reporting the correct date of last activity with creditor therefore keeping the collection continually on my credit report. I have not had an account with XXXX XXXX since 2011.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response Closed with explanation

Timely Response

2017-04-25

FL

Attempts to collect debt not owed

Debt collection: I do not know

Debt was result of identity theft
Complaint: Over the last 2-3 years have had numerous collections accounts appear in my name and social security number on all XXXX credit reports fro m 2 differe nt collection agencies, XXXX XXXX and as of lat e, Progressive Financial Services ou t of XXXX AZ, representing XXXX XXXX in XXXX XXXX XXXX OK for I assume, cable services and equipment. I 've never lived in, been to or know anyone in Oklahoma. The same thing has happened to my mom and father. I literally just had an account with XXXX XXXX removed from all XXXX of my credit files within the last month. I just checked my credit today and XXXX is showing this new account with Progressive Financial Services. I assume XXXX and XXXX will end up reporting this account as well. The reason I 'm filing my complaint through CFPB is because I am emotionally exhausted from having to deal with the collection agencies, XXXX XXXX and all XXXX bureaus. I 've already warned the original creditor to remove any current or past due accounts in my name and social security number from their systems or I will take legal action. All together, since XXXX , there has been 8 collection accounts reported to all XXXX credit bureaus under my name and social security number and all of them have been accounts with the original creditor XXXX XXXX XXXX XXXX OK. I live in XXXX and have for my entire life except for 13 months from XXXX XXXX through XXXX XXXX XXXX when our family moved to XXXX XXXX to care for my terminally ill grandfather. We moved back to XXXX in Mid XXXX XXXX and have lived here in XXXX since. Until this morning, my credit scores were just south of XXXX . Now my scores have taken a large hit because of these collections accounts. Please do something to stop this from happening again and again.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response Closed with explanation

Timely Response

2017-04-25

FL

Attempts to collect debt not owed

Debt collection: I do not know

Debt was result of identity theft
Complaint: Over the l ast 2-3 ye ars I have had numerous collections accounts appear in my name and social security number on all XXXX credit reports from XXXX different collection agencies, IC System ( XXXX XXXX XXXX XXXX , XXXX OK ) and I believe another collection ( XXXX ) is about to be reported to XXXX XXXX XXXX XXXX by Progressive Financial Services out of XXXX AZ, also representing XXXX XXXX in XXXX XXXX OK for I assume, cable services and equipment, to my credit. The reason for my assumption is because my sons credit monitoring service just alerted him to a new collection from Progressive Financial Services f or {$1600.00}, with the original creditor being XXXX XXXX out of XXXX XXXX OK. I 've never lived in, been to or know anyone in Oklahoma. The same thing has happened to my wife and son. I literally just had XXXX accounts with XXXX XXXX ( XXXX XXXX XXXX OK ) deleted from all XXXX of my credit files within the last month. For example, my son just checked his credit monitoring service today and XXXX is showing a new collections account with Progressive Financial Services, original creditor, XXXX XXXX out of XXXX XXXX OK. I assume that eventually all XXXX credit bureaus will eventually have new collections reported to all XXXX bureaus on my credit, my sons credit and my wifes credit. The reason I 'm filing my complaint through CFPB is because I am emotionally exhausted from having to deal with the collection agencies, XXXX XXXX and all XXXX bureaus, on an individual basis. I know the following statement is hearsay but I spoke with a collection agent at XXXX XXXX about collections that have been removed recently about how one person can open multiple cable service accounts within a short period of time. He stated that it looked like something was going on within XXXX XXXX in XXXX OK ( criminal activity ). I have spent hours getting all the other collections removed which are a result of identity theft. I 've already warned the original creditor ( XXXX XXXX XXXX OK ) to remove any current or past due accounts in my name and social security number from their systems or I will take legal action. Altogether, since XXXX , there has been XXXX collection accounts reported to all XXXX credit bureaus under my name and social security number and all of them have been accounts with the original creditor being XXXX XXXX XXXX XXXX OK. I live in Florida and have since XXXX except for 13 months from XXXX XXXX through XXXX XXXX XXXX when our family moved to XXXX XXXX to care for my terminally ill father-in-law. We moved back to XXXX in XXXX XXXX XXXX and have lived here in XXXX since. Please do something to stop Progressive Financial Services from reporting any additional collection accounts to any of the XXXX credit bureaus. If PFS has alr eady reported accounts to my credit, they need to remove them as soon as possible. My credit monitoring service doesnt update my credit information until the end of the week so, more than likely Progressive Financial Services has already reported new collection accounts on my credit
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response Closed with explanation

Timely Response

2017-04-25

FL

Attempts to collect debt not owed

Debt collection: I do not know

Debt was result of identity theft
Complaint: XXXX XXXX , XXXX Consumer Financial Protection Bureau XXXX XXXX XXXX XXXX XXXX XXXX IA XXXX To Whom It May Concern : Over the last 2-3 ye ars I have had numerous collections accounts appear in my name and social security number on all XXXX credit reports fro m 2 differ ent collection agencies, XXXX XXXX ( Original Creditor XXXX XXXX , XXXX OK ) and I believe another collection is about to be reported to XXXX , XXXX and XXXX by Progressive Financial Services ou t of XXXX AZ, also representing XXXX XXXX in XXXX XXXX XXXX OK for I assume, cable services and equipment. I 've never lived in, been to or know anyone in Oklahoma. The same thing has happened to my son and husband. I literally just had an account with XXXX XXXX ( XXXX XXXX XXXX OK ) deleted from all XXXX of my credit files within the last month. For example, my son just checked his credit monitoring service earlier today and XXXX is showing a new collections account with Progressive Financial Services, orig inal creditor, XXXX XXXX out of XXXX XXXX XXXX OK. I assume that eventually all XXXX credit bureaus will have new collections reported to all XXXX bureaus on my credit, my sons credit and my husbands credit. The reason I 'm filing my complaint through CFPB is because I am emotionally exhausted from having to deal with the collection agencies, XXXX XXXX and all XXXX bureaus, on an individual basis. I have spent hours getting all the other collections removed which are a result of identity theft. I 've already warned the original creditor ( XXXX XXXX XXXX OK ) to remove any current or past due accounts in my name and social security number from their systems or I will take legal action. Altogether, since XXXX , there has bee n 8 collection accounts reported to all XXXX credit bureaus under my name and social security number and all of them have been accounts with the original creditor being XXXX XXXX XXXX XXXX XXXX OK. I live in Florida and have since XXXX except for 13 months from XXXX XXXX through XXXX XXXX XXXX when our family moved to XXXX XXXX to care for my terminally ill father. We moved back to XXXX in XXXX XXXX XXXX and have lived here in XXXX since. Please do something to st op Progressive Financial Services f rom reporting any additional collection accounts to any of the XXXX credit bureaus. If PFS has al ready reported accounts to my credit, they need to remove them as soon as possible. My credit monitoring service doesnt update my credit information until the end of the week so, more tha n likely Progressive Financial Services has already reported new collection accounts on my credit.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response Closed with explanation

Timely Response

2017-04-20

Macon, GA

Cont'd attempts collect debt not owed

Debt collection: I do not know

Debt is not mine
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response Closed with explanation

Disputed: No Timely Response

2017-04-12

Philadelphia, PA

Cont'd attempts collect debt not owed

Debt collection: I do not know

Debt is not mine
Complaint: This debt collection company is attempting to collect on a XXXX year old debt on behalf of the XXXX. XXXX years ago in XX/XX/1987, the XXXX cleaned and sealed a vacant property. I did not owe this property in XX/XX/1987, I was XXXX years old. I verified with the city that this happened XXXX years ago. Why is the city attempting to collect on a XXXX year old debt?
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response Closed with explanation

Disputed: No Timely Response

2017-04-02

Wallington, NJ

Cont'd attempts collect debt not owed

Debt collection: I do not know

Debt is not mine
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response Closed with explanation

Disputed: No Timely Response

2017-03-26

Millville, CA

False statements or representation

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

Attempted to collect wrong amount
Complaint: We had Internet in our old apartment while I was serving in the United States XXXX. As we moved because I was a separating the military we ended our account with our XXXX. We went to pay our final bill and we were told we do n't owe anything on the account which means we allegedly had a {$0.00} balance. Months later I saw that the XXXX had sent us to collections for the amount of {$62.00}. This is incorrect as we were told we owed nothing on the account.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response Closed with explanation

Disputed: No Timely Response

2017-03-23

FL

Incorrect information on credit report

Credit reporting:

Information is not mine
Complaint: progressive financial services account # XXXX XXXX XXXX, Az XXXX XXXX this account is not mine. I have asked for this company to submit to me a signed contract by certified mail and to this day I have not received any information from them besides on my updated credit report it states verified, no change.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response Closed with explanation

Disputed: Yes Timely Response

2017-02-13

FL

False statements or representation

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

Attempted to collect wrong amount
Complaint: XX/XX/XXXX-XX/XX/XXXX I closed my account with XXXX. I was tired of at least a weekly outage always some excuse about my location. I turned in my. equipment and paid my last bill. I prorated the days I was without serice, I explained that at the XXXX office in my are when I turned in my equipment. I explained that nicely to the service rep that is should not pay for something I was n't getting. She agreed and after reviewing all my many calls regarding cable outage. I received a bill for the equipment ... I spoke to a supervisor after receiving a couple of bills. The problem was settled as it was their oversite. Never received a bill after that call. XX/XX/XXXX I got a bill from a collection agency 6 years later stating I owed {$400.00}. I called them, shared the story and told them in no uncertain terms I do not owe this and I am NOT paying for a bill I do not owe. I never received another collection notice after that call. Now it has been 7 years and recently did a check of my credit report and noticed this from XXXX showed up on XXXX. It is showing as the debt was from XX/XX/XXXX ... that is wrong. I would like this issue resolved, please. Btw I have been a happy XXXX customer since XX/XX/XXXX.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response Closed with explanation

Disputed: No Timely Response

2017-02-09

Superstition Mtn, AZ

Cont'd attempts collect debt not owed

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

Debt was paid
Complaint: In XX/XX/XXXX I moved out of an apartment and I contacted XXXX to pay my balance due and cancel my contract. 5 years later in XX/XX/XXXX I checked my credit report and they are reporting me in collections. I was never notified by mail, phone or email and I confirmed they have had all my information on file.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response Closed with explanation

Disputed: No Timely Response