SQUARETWO FINANCIAL CORPORATION

2015-10-16

Mem, TN

Cont'd attempts collect debt not owed

Debt collection: Credit card

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

Disputed: No Timely Response

2015-10-11

Valdosta, GA

Disclosure verification of debt

Debt collection: Credit card

Not given enough info to verify debt
Complaint: I never had a credit card that was in this large amount of {$13000.00}. I did have a card in 2006 but it only had a limit of {$5000.00}. They would refuse to accept any of my offers to pay them smaller amounts. I have no proof that this was the same card. This debt has been sold over and over and CACH , LLC has harassed and scared me with letters over the years. I never received any phone calls and now I am receiving a summons to garnish my wages! I have no job and XXXX children. I have a bank account set up under my father that I do not want them to touch. This is his money, not mine.
Company Response: Company chooses not to provide a public response Closed with explanation

Disputed: Yes Timely Response

2015-10-04

Fresno, CA

Communication tactics

Debt collection: Credit card

Threatened to take legal action
Company Response: Company chooses not to provide a public response Closed with explanation

Disputed: No Timely Response

2015-10-01

Library, PA

Disclosure verification of debt

Debt collection: Credit card

Not given enough info to verify debt
Complaint: I asked for initial application showing where i signed for this debt non produced.The debt collector stated the name as XXXX.My name is XXXX.Im currently XXXX i didnt open this account i think the info is mixed up.Please delete off my report.Im currently qorking with debt doctors and filing bankruptcy.I have no success to get off my credit
Company Response: Company chooses not to provide a public response Closed with explanation

Disputed: No Timely Response

2015-09-26

Citrus Heights, CA

Taking/threatening an illegal action

Debt collection: Credit card

Sued w/o proper notification of suit
Company Response: Company chooses not to provide a public response Closed with explanation

Disputed: No Timely Response

2015-09-26

San Antonio, TX

Cont'd attempts collect debt not owed

Debt collection: I do not know

Debt is not mine
Complaint: I was never sent notice of this debt, it just appeared on my credit report. Furthermore this debt is not mine or is older than 7 years old. No debt validation was given or sent or a notice that this account was going to be reported to a credit bureau. i would like proof that this account is mine by company furnishing original signed documents, all payment history if this account is mine, and date of last delinquency.
Company Response: Company chooses not to provide a public response Closed with explanation

Disputed: No Timely Response

2015-09-25

Lincoln, IL

Other

Credit card:

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

Disputed: No Timely Response

2015-09-24

Charlotte, NC

Taking/threatening an illegal action

Debt collection: I do not know

Attempted to/Collected exempt funds
Company Response: Company chooses not to provide a public response Closed with monetary relief

Disputed: No Timely Response

2015-09-23

Chicago, IL

Communication tactics

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

Threatened to take legal action
Complaint: COLLECTION AGENCY COUPLED WITH LAWFIRM VIOLATED FCRA, FDCPA, TCPA, SOL, PRIVACY AND CIVIL RIGHTS VIOLATIONS. SERVED ME AND SAID WILL SUE ME TOO ON BEHALF OF XXXX XXXX XXXX
Company Response: Company chooses not to provide a public response Closed with explanation

Disputed: Yes Timely Response

2015-09-20

Bellaire, TX

Disclosure verification of debt

Debt collection: Credit card

Not given enough info to verify debt
Complaint: None of the above problems describes by issue. I have a charged off debt owned by a company called CACH LLC. In XXXX 2015, I was contacted by Fresh View Solutions about a payment arrangement. I agreed to pay XXXX per month on the XXXX for six months. After that, we would renegotiate a new payment amount. The amount of the payment is not in dispute. My ex-wife, at the request of the XXXX, needs a copy of the original payment agreement arrangement and Fresh View refuses to furnish this information after numerous requests. They have provided a payment history and a letter stating that the payments were made in accordance with the agreement but this will not satisfy the XXXX. They require the actual payment terms ( amount, due date, etc. ), which Fresh View will not provide. They state that they mailed a copy at the beginning of the payment arrangement, but I have no copy of it and they will not provide another one.
Company Response: Company chooses not to provide a public response Closed with explanation

Disputed: No Timely Response

2015-09-18

Harsens Is, MI

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

2015-09-18

Queens, NY

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

2015-09-18

Flushing, NY

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 non-monetary relief

Disputed: No Timely Response

2015-09-17

Brunswick, OH

Can't repay my loan

Student loan: Non-federal student loan

Can't decrease my monthly payments
Company Response: Company chooses not to provide a public response Closed with explanation

Disputed: No Timely Response

2015-09-17

Scottsdale, AZ

Cont'd attempts collect debt not owed

Debt collection: Credit card

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

Disputed: No Timely Response

2015-09-17

TX

Taking/threatening an illegal action

Debt collection: I do not know

Sued w/o proper notification of suit
Complaint: I was recently informed by a potential mortgage company that there is a judgement against my husband for over {$4300.00}, it was filed on XXXX XXXX, 2008 by CACH , LLC for XXXX Bank. We were never served any papers or notified. I tried to locate who to speak with regarding this but all the trails are dead ends, XXXX bank is out of business & the number I was given to call said I won a cruise. It was filed in a civil court in a town I do n't live in.
Company Response: Company chooses not to provide a public response Closed with explanation

Disputed: No Timely Response

2015-09-15

Chester, SC

Account opening, closing, or management

Bank account or service: Other bank product/service

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

Disputed: No Timely Response

2015-09-15

Seattle, WA

Taking/threatening an illegal action

Debt collection: Credit card

Threatened to sue on too old debt
Complaint: I got a voice mail from a XXXX XXXX at " XXXX ( sp? ) XXXX XXXX in XXXX threatening me with legal action and that they were sending someone to my house to serve me with legal documents and I need to call the " Litigation Office '' at : XXXX with reference number : XXXX. I called this number and they said they had a Lawsuit filed for a XXXX ( XXXX XXXX ) and I have to pay them " X '' amount in order to stop this Lawsuit. I explained to them him I am permanently XXXX and am Social Security XXXX. He did NOT care and was EXTREMELY rude, intimidating and threatening, then he hung up on me! This XXXX, XXXX XXXX account is WAY past the Statue of Limitations. This account was opened on XX/XX/XXXX & was last paid on XX/XX/XXXX. The account was opened when I lived in Nevada where the Statue of Limitations is Four Years. It 's OVER Five Years ( close to Six ) past the Statue of Limitations. They also called ALL of my Relatives before they called me! I sent XXXX ( now XXXX ) & the collection company ( CACH , LLC ) a Cease & Desist letter several years ago and have not heard from them since. I am currently looking into my legal recourse against them.
Company Response: Company chooses not to provide a public response Closed with explanation

Disputed: No Timely Response

2015-09-14

Bayonne, NJ

Cont'd attempts collect debt not owed

Debt collection: Credit card

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

Disputed: No Timely Response

2015-09-11

Sierra Madre, CA

Improper contact or sharing of info

Debt collection: I do not know

Talked to a third party about my debt
Complaint: None of the above describes my issue, so I simply chose " Talked to a third party about my debt '', however I did indeed have to speak with XXXX different companies in this process. XXXX, Square Two Financial, and Cach llc. My complaint is their violation of the terms of our contract. A written contract as well as specifics written on the check were sent to the company via certified mail. The contract explicitly stated that cashing my check was an agreement to delete the account from all three credit bureaus, or as many as are reported to for this account. Also noted was that if that was not acceptable, they should return my check. The check was cashed, however, the reporting has continued. I have all the documentation, including a copy of my check and the contract as well as the certified mail reciept from USPS. When I spoke to them they explained that they did not even take the time to review and had apparently lost record of this. Not only did they violate the terms, but their negligence seemed to them, apparently, to be reason enough for the violation.
Company Response: Company chooses not to provide a public response Closed with non-monetary relief

Disputed: No Timely Response

2015-09-11

San Gabriel, CA

Disclosure verification of debt

Debt collection: I do not know

Right to dispute notice not received
Complaint: I was turned down for a loan, because my credit report shows a collection filed by CACH LLC, Showing XXXX ITS A as the original creditor. It shows the account opened XX/XX/XXXX. I have never had an account with XXXX and have been unable to speak to anyone at CACH Regarding this account, because I am put on hold for inordinate amounts of time, and never get to speak to a live person. Its interesting to me that an account could even have been open with XXXX Bank XX/XX/XXXX, considering that XXXX stopped operations XX/XX/XXXX. I can not get live person by phone to verify the debt with CACH LLC, and XXXX Bank tells me they do not have access to the records.
Company Response: Company chooses not to provide a public response Closed with monetary relief

Disputed: No Timely Response

2015-09-05

Taft, OH

False statements or representation

Debt collection: Credit card

Attempted to collect wrong amount
Complaint: I 'M BEING GARNISHED BY A DEBT THAT IS NOT MINE-THEY REFUSE TO GIVE ME ANY INFORMATION ON THIS DEBIT. NOW I 'M RECEIVING AGAIN THE SAME COLLECTION NOTICE ; DIFFERENT COLLECTOR NAMES WITH DIFFERENT DOLLAR AMOUNTS FROM THE SAME SO CALLED ORIGINAL CREDITOR : FROM : XXXX XXXX COLLECTION BUREAU, XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX AND CACH , LLC. YES ALL XXXX FOR THE SAME DEBT.THIS MEANS THEY WANT TO CONTINUE TO SUE ME XXXX TO XXXX TIMES FOR SOMETHING THAT IS NOT MINE. HOW DOES XXXX AFFORD A LAWYER WITH THIS?? THIS DEBT IS NOT MINE AND I NEED THIS STOP AND IF I COULD I WANT TO SUE ALL OF THEM THIS HAS DAMAGE MY CREDIT. THANK YOU.
Company Response: Company chooses not to provide a public response Closed with monetary relief

Disputed: No Timely Response

2015-09-02

Botts, PA

Improper contact or sharing of info

Debt collection: I do not know

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

Disputed: No Timely Response

2015-08-24

San Diego, CA

Managing the loan or lease

Consumer Loan: Installment loan

Complaint: I am receiving calls from a debt collection company for a non-existent debt. I originally filed a complaint to comsumerfinance.gov XX/XX/2014. The company'w response was that my name was closely associated with one they had a contract with. They admitted they had no contract with my name or s.s. number and said they had removed my number from their system. However, to this day they continue to call me and leave messages that I need to contact someone in their company about a debt.
Company Response: Company chooses not to provide a public response Closed with explanation

Disputed: No Timely Response

2015-08-22

Gaithersburg, MD

Disclosure verification of debt

Debt collection: Medical

Right to dispute notice not received
Company Response: Company chooses not to provide a public response Closed with explanation

Disputed: No Timely Response