Radius Global Solutions LLC

2016-03-10

AZ

Disclosure verification of debt

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

Right to dispute notice not received
Complaint: Upon receiving a notification of an attempt to collect this debt ( which is invalid ), I wrote a letter within the 30 day time period to the collector ( Central Credit Services LLC ) and sent it certified mail to confirm receipt to indicate this debt was not valid, including that I had detailed notes of my conversations with the original creditor. Within the letter sent to me, it clearly states the following : " If you notify this office in writing within 30 days after receiving this notice that you dispute the validity of this debt or any portion thereof, this office will obtain verification of the debt or obtain a copy of a judgment and mail you a copy of such judgment or verification. '' Months later after never receiving any notification, I noticed when doing a refinance of my mortgage that the collections company had reported this debt to my credit report. When I contacted them to ask about this, the first individual acknowledged that they should have sent me a letter and that it should not have been reported based on that letter. The manager ( XXXX XXXX ) then stated that it was done properly, and that despite the fact that the letter clearly states that " their office '' will furnish a copy of that letter to me, that it was the creditor 's responsibility. I never received any notifications from either, but the main point for purposes of this case is that the debt collector is ultimately responsible for providing that copy in accordance with their letter ( and I presume legally ), and they did not. This complaint is being filed due to the amount of time and energy I have had to spend fighting this inaccurate collection and their violation of procedure, with the net result being the damage to my credit rating.
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

2016-02-29

Bassett, CA

Communication tactics

Debt collection: Non-federal student loan

Frequent or repeated calls
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

2016-02-23

Comunidad Estella, PR

Communication tactics

Debt collection: I do not know

Called after sent written cease of comm
Complaint: I am receiving frecuent calls from this number. I do not know the person contacting me but i suspect its a debt colection agent in representation of a debt collection agency which bought my debt at a lower price than what i owe. Buying debt specially at a fraction of the cost is an illegal act and its usury. I understand that every 7 yeard debt must be discharged and this has not happened. I cant pay that debt since I do not have a job that pays enough to get rid of the debt. I am under XXXX as well since the economy drove me to be on federal aid since there is no job opportunities nearby and im not willing to go out in exile to the usa to work there. I do not earn enough get out. Please make them stop i dont like the harrasment and i was very clear as i am not taking any calls and i am not going to pay the debt because i am broke.
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

2016-02-23

OR

Cont'd attempts collect debt not owed

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

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: Yes Timely Response

2016-02-18

Cocoa, FL

Improper contact or sharing of info

Debt collection: Federal student loan

Talked to a third party about my 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

2016-02-17

Yelm, WA

Disclosure verification of debt

Debt collection: Credit card

Not given enough info to verify debt
Company Response: Company chooses not to provide a public response Closed with explanation

Disputed: Yes Timely Response

2016-02-11

Soddy Daisy, TN

Cont'd attempts collect debt not owed

Debt collection: I do not know

Debt is not mine
Company Response: Company chooses not to provide a public response Closed with explanation

Disputed: No Timely Response

2016-02-04

Dixmont, ME

Cont'd attempts collect debt not owed

Debt collection: Medical

Debt was paid
Company Response: Company chooses not to provide a public response Closed with explanation

Disputed: No Timely Response

2016-02-04

Magnolia, TX

Cont'd attempts collect debt not owed

Debt collection: Medical

Debt is not mine
Complaint: I was owing XXXX {$1800.00} and the account was sent to Central Credit service for collection. I called Central Credit services and they told me to do a pay off .We agreed on a payoff of $ XXXX.I paid {$1200.00} and i expected the collection to be taken from my credit.I checked my credit and i discovered that Central Credit Services put it in my credit that i still owe $ XXXX.I called their office and i learnt that the debt is for someone else.I dont understand why i should have an account belonging to another individual, in my credit because we share the same surname. I tried every effort to get this resolved but Central Credit Services is not making any effort to help me out.Central Credit service put another individual in my credit because we share the same last name.
Company Response: Company chooses not to provide a public response Closed with explanation

Disputed: No Timely Response

2016-02-03

Cockeysville, MD

Cont'd attempts collect debt not owed

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

Debt is not mine
Company Response: Company chooses not to provide a public response Closed with explanation

Disputed: Yes Timely Response

2016-02-03

Bloomington, MN

Cont'd attempts collect debt not owed

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

Debt is not mine
Complaint: XX/XX/XXXX I signed up for fiber internet with XXXX. They delayed install 3 times and broke our contract. On the third delay, they agreed to cancel the install. This was XX/XX/XXXX. Soon after, I received a bill for around XXXX dollars. And soon after that calls from a collection agency. I cleared things up with centurylink in XX/XX/XXXX, but their credit agency just sent me a collection notice today XXXX XXXX, XXXX. They need to stop. At this point it 's annoying that I get punished because they ca n't keep track of their billing from one day to the next.
Company Response: Company chooses not to provide a public response Closed with explanation

Disputed: No Timely Response

2016-02-02

Baltimore, MD

Cont'd attempts collect debt not owed

Debt collection: I do not know

Debt is not mine
Company Response: Company chooses not to provide a public response Closed with explanation

Disputed: No Timely Response

2016-02-01

Sarasota, FL

Communication tactics

Debt collection: I do not know

Frequent or repeated calls
Company Response: Company chooses not to provide a public response Closed with explanation

Disputed: No Timely Response

2016-01-27

Decatur, GA

Cont'd attempts collect debt not owed

Debt collection: I do not know

Debt is not mine
Company Response: Company chooses not to provide a public response Closed with explanation

Disputed: Yes Timely Response

2016-01-26

Brooklyn, NY

Cont'd attempts collect debt not owed

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

Debt is not mine
Company Response: Company chooses not to provide a public response Closed with explanation

Disputed: No Timely Response

2016-01-25

Scottsdale, AZ

False statements or representation

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

Attempted to collect wrong amount
Complaint: Central Credit Services is reporting the same debt multiple times on my credit report. I dispute the validity of the debt as they also never had the correct address or phone number until I recently contacted them after viewing my credit report. But without question, they have reported the same debt 3 times on my XXXX Credit Report.
Company Response: Company chooses not to provide a public response Closed with explanation

Disputed: No Timely Response

2016-01-24

ND

Cont'd attempts collect debt not owed

Debt collection: I do not know

Debt was paid
Complaint: I have paid the supposed amount that central credit services claims to be attempting to collect. I have contacted XXXX to make sure that I did in fact settle all my debts to them prior to my moving from Idaho to our new duty station. Central Credit Services has now put a debt collection on my XXXX credit report. I have not ever not paid any of my bills and do not appreciate a company attempting to collect money that I have never owed.
Company Response: Company chooses not to provide a public response Closed with explanation

Disputed: No Timely Response

2016-01-18

Phoenix, AZ

False statements or representation

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

Attempted to collect wrong amount
Company Response: Company chooses not to provide a public response Closed with explanation

Disputed: No Timely Response

2016-01-13

Cheverly, MD

Disclosure verification of debt

Debt collection: Medical

Right to dispute notice not received
Complaint: On XXXX/XXXX/XXXX I received an alert from TransUnion that a collection account had been added to my credit report by Central Credit Service of XXXX Florida in the amount of XXXX. On or about XXXX/XXXX/XXXX, I contact the agency to inquire about the entry and it was stated to me that communication regarding this account had been sent to an address that I had not resided in since XX/XX/XXXX. I had an initial conversation with one representative, who at that time recited to me my 'current ' address. At that time she stated that they had recently acquired my new address as of XXXX/XXXX/XXXX. I then stated that they had in fact violated my rights as I had not verified or validated that the account was mine. I then asked to speak to a supervisor. Continuing on with the discussion and speaking with XXXX XXXX, she then stated that no documentation was sent to my current address and that the communication was only sent to the previous address. I then iterated that their entry on my credit report violated my rights to verify and validate that the account was mine before reporting to the credit bureaus. I then requested to speak with her boss. I was directed to give XXXX XXXX XXXX a call to further discuss. My second communications with Central Credit involves my restating that this said debt had not been communicated verbally or in writing as my right per the FDCRA. They then restated that they had mailed communication to the previous address but had NOT sent written communication to my present address. The entry to my credit report was XXXX/XXXX/XXXX. I then requested to speak with the supervisor on duty and was connected to XXXX XXXX, who then preceeded to tell me that communication was sent AGAIN to the previous address but not the current. I then stated to XXXX XXXX that my rights as the consumer being charged as being responsible for this had NOT been communicated as per my rights and that they failed to verify and validate said debt before listing the account on my credit report. XXXX XXXX then stated that Central Credit Services will not confirm or deny that they failed to verify or validate the debt prior to listing the account with the credit reporting agencies. I was then direct again to give XXXX XXXX a call. I have not been able to reach XXXX XXXX and have left him a message regarding this unverified debt. To date, the day being XXXX/XXXX/XXXX XXXX am, I have YET to receive any written communication from Central Credit Service or a returned phone from XXXX XXXX XXXX. Per the FRCA and FDCPA, debts are to be verified and validated prior to being reported to the credit reporting agencies. I as the consumer have the right to validate, verify or dispute said debt, which as of today, I have not. I am still awaiting documentation that illustrate that I 'm responsible which Central Credit Services has not provided. YET, on XXXX/XXXX/XXXX they reported to the credit reporting agencies an unverified and invalidated account. I have not verified or disputed this account, as it is my right to do so provided by FCRA and the FDCPA.
Company Response: Company chooses not to provide a public response Closed with explanation

Disputed: No Timely Response

2016-01-13

Huntington Park, CA

Communication tactics

Debt collection: Auto

Frequent or repeated calls
Company Response: Company chooses not to provide a public response Closed with explanation

Disputed: No Timely Response

2016-01-12

Saint Clair Shores, MI

Improper contact or sharing of info

Debt collection: I do not know

Contacted me after I asked not to
Company Response: Company chooses not to provide a public response Closed with explanation

Disputed: No Timely Response

2016-01-12

Ponce Inlet, FL

Cont'd attempts collect debt not owed

Debt collection: Medical

Debt was paid
Company Response: Company chooses not to provide a public response Closed with explanation

Disputed: No Timely Response

2016-01-11

Alamogordo, NM

Cont'd attempts collect debt not owed

Debt collection: I do not know

Debt is not mine
Company Response: Company chooses not to provide a public response Closed with explanation

Disputed: No Timely Response

2016-01-08

Olympia, WA

Cont'd attempts collect debt not owed

Debt collection: I do not know

Debt was discharged in bankruptcy
Company Response: Company chooses not to provide a public response Closed with explanation

Disputed: No Timely Response

2016-01-08

Quartzsite, AZ

Cont'd attempts collect debt not owed

Debt collection: I do not know

Debt is not mine
Complaint: I 've received 4 collection calls from this number, XXXX, of which each time a automated message is left on my answer machine. The caller ID says " XXXX Service ''. The four dates I received these calls are ... XXXX/XXXX/XXXX at XXXX, XXXX/XXXX/XXXX at XXXX, XXXX/XXXX/XXXX at XXXX, and XXXX/XXXX/XXXX at XXXX. I also know that calling times can not be earlier than XXXX.
Company Response: Company chooses not to provide a public response Closed with explanation

Disputed: No Timely Response