SQUARETWO FINANCIAL CORPORATION

2015-08-22

Stilesville, IN

Improper contact or sharing of info

Debt collection: Credit card

Contacted employer after asked not to
Complaint: Cach LLC ; Contacted me at my employer XXXX. I ended up having to speak to a representative once because I answered the phone while working ( that was part of my job title ). The other occasion was calling my employer to asking for me and representitive leaving a number to call back. They have also, found a family members number and called them asking for information about me, luckily they denied knowing me. I have now been sued by them, even though ( through much headache and research ) I discovered the court papers were delivered to a wrong address and sued in a county that I never resided in, but since the papers were deemed " delivered '' ( from what I was told ) I missed any chance proving my case and now facing wage garnishment unless I file bankruptcy.
Company Response: Company chooses not to provide a public response Closed with explanation

Disputed: No Timely Response

2015-08-22

Asheville, NC

Cont'd attempts collect debt not owed

Debt collection: I do not know

Debt is not mine
Complaint: I do not owe debts. Bills are paid timely. Keep getting robo calls on answering machine from XXXX stating it is debt collector. Must be continuing scam. I do not return the calls.
Company Response: Company chooses not to provide a public response Closed with explanation

Disputed: No Timely Response

2015-08-19

Brooklyn, NY

Cont'd attempts collect debt not owed

Debt collection: Credit card

Debt is not mine
Complaint: they keep collecting debt that 's not mine they took me to court and stopped the case because they forged documents signatures etc. so they agreed to stop all collections now they put it back on my credit report.
Company Response: Company chooses not to provide a public response Closed with explanation

Disputed: No Timely Response

2015-08-18

Dexter, KY

Cont'd attempts collect debt not owed

Debt collection: Credit card

Debt is not mine
Complaint: This credit card account is just now coming to my attention. I did not open a credit card through XXXX bank based out of Nevada at any point.
Company Response: Company chooses not to provide a public response Closed with explanation

Disputed: No Timely Response

2015-08-13

Cherry Brook, MA

Disclosure verification of debt

Debt collection: Non-federal student loan

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

Disputed: No Timely Response

2015-08-04

Oxford, GA

False statements or representation

Debt collection: Credit card

Attempted to collect wrong amount
Complaint: THIS COMANY IS REPORTING A NEGATIVE REPORT ON MY REPORT AND I HAVE ALREAD YED THEM PLEASE REMOVE FROM MY CREDIT THANKS
Company Response: Company chooses not to provide a public response Closed with explanation

Disputed: No Timely Response

2015-08-03

Harsens Is, MI

Cont'd attempts collect debt not owed

Debt collection: I do not know

Debt is not mine
Complaint: Dear Representative, This is NOT my debt and I NO knowledge of the DISPUTED acct. It 's passed seven years and they proceed to attempt to collect on it. In the past they were notified to stop collection on a acct. that is not mine or was opened under Identity Theft! It permanently remains disputed and must be removed off my credit file. Thank you, XXXX XXXX XXXX
Company Response: Company chooses not to provide a public response Closed with monetary relief

Disputed: No Timely Response

2015-08-02

Ballard, WA

Improper contact or sharing of info

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

Talked to a third party about my debt
Company Response: Company chooses not to provide a public response Closed with explanation

Disputed: Yes Timely Response

2015-07-30

Atl, 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: No Timely Response

2015-07-29

Gloucester City, NJ

Cont'd attempts collect debt not owed

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

Debt was paid
Complaint: I had an Personal line of credit account with my stepdad ( XXXX XXXX ) through XXXX XXXX XXXX. Unfortunately, we fell behind and the account went to collections. ( We acknowledge it fell behind ). The account was then sold to the Law Office of David Sean Dufek and in XXXX XXXX, XXXX through XXXX XXXX, XXXX paid a total of {$2200.00}. I spoke to collector named XXXX XXXX who set up a settlement with that office for {$.00}. I also spoke to a supervisor named XXXX after I discovered this same collector had authorized payments on my bank account ( with checks that I did NOT authorize ) and this supervisor XXXX assured me that the debt would be settled out WITH NO MORE PAYMENTS DUE. He said " At this point, we will just settle this out '' and returned the {$200.00} that was unauthorized from my account. If the account was not settled out, WHY would they authorize the return of my funds? I ask that you pull the conversation of phone calls that detail this. At this time, I have been notified by the Law Firm of XXXX XXXX ( phone number XXXX ) that they bought the debt and are requesting I settle pay a balance of {$2900.00}. I have spoken to a supervisor named XXXX ( on XXXX/XXXX/XXXX ) who even acknowledges in the conversation i had with her based on the review of notes " I do n't understand why they did n't just settle this out ''. I do n't understand how a debt i settled with the attorney 's office can be now owned by a different office when i clearly paid it in full PER that attorney 's office.There is clearly deceptive practices for predatory collection here.
Company Response: Company chooses not to provide a public response Closed with monetary relief

Disputed: No Timely Response

2015-07-28

Sacramento, CA

Identity theft / Fraud / Embezzlement

Credit card:

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

Disputed: No Timely Response

2015-07-27

Katy, TX

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

2015-07-27

Lk Buena Vis, FL

Disclosure verification of debt

Debt collection: I do not know

Not disclosed as an attempt to collect
Complaint: Received a voicemail from a woman asking me to call back about a debt, but did n't identify mini Miranda, nor who she was looking for and my outgoing voicemail message does n't identify anyone.
Company Response: Company chooses not to provide a public response Closed with explanation

Disputed: No Timely Response

2015-07-26

Federal Way, WA

Taking/threatening an illegal action

Debt collection: Credit card

Sued w/o proper notification of suit
Complaint: I requested verification of debt owed on XXXX XXXX, 2014 from CACH , LLC via certified USPS letter which was signed for and accepted on XXXX XXXX. CACH , LLC did not respond to the request and has now threatened to sue me and continues to harass me in person ; they sent an individual driving XXXX sedan to follow me when I am walking my dog and constantly take pictures of my roommate and I even after we requested that they stop.
Company Response: Company chooses not to provide a public response Closed with explanation

Disputed: Yes Timely Response

2015-07-19

Chicago, IL

Cont'd attempts collect debt not owed

Debt collection: I do not know

Debt is not mine
Complaint: CACH , LLC KEEPS SKIP TRACING, BACKGROUND CHECKS UNLAWFUL SERVICE OF SUMMONS AND LAWSUITS. TCPA, FDCPA AND COLLECTION FRAUD ET..
Company Response: Company chooses not to provide a public response Closed with explanation

Disputed: Yes Timely Response

2015-07-18

Pinellas Park, FL

Taking/threatening an illegal action

Debt collection: Credit card

Attempted to/Collected exempt funds
Complaint: I was sent an unsolicited credit card from XXXX XXXX XXXX XX/XX/XXXX. Shortly after, I was laid off from my job due to the economy and was unable to find a job for over a year so I used the card for gas & food during that time. I soon fell behind in the payments and most of the card debt was late payments and penalties. Unfortunately I had moved and I forgot about it when I started working again. CACH LLC bought the debt years later and sued me. I tried to explain my circumstances, that I was in school and did not make very much money and that I owned nothing. I 'm still driving the XXXX Impala that mother bought me when I was in high school. They refused to listen and threatened & intimidated me into signing an agreement to pay {$75.00} a month which I knew I could n't afford, but I had never had any dealings with the law so I was scared and thought I had to sign it. When I could n't pay it, they sued me. I know I have to pay it and I have been sending them {$25.00} a month but I lost my lease and had to move so I was unemployed again in XX/XX/XXXX XXXX. I worked odd, temporary jobs during that time and finally found another full time job in XX/XX/XXXX XXXX but I only make {$11.00} an hour and have been struggling to survive and catch up on my rent since then,. But I started paying the {$25.00} a month again then. But in XX/XX/XXXX, CACH froze my bank account and took my last {$190.00} out which meant I had no money for food and gas for over a week. When I read up on Florida Garnishment Rules, I saw that they are not supposed to be able to garnish a person 's salary if they make below a certain level and that includes their bank account if it can be proved that the money was income. The only money going into my bank account was my salary. I have tried to talk to them several times and even had my mother call them because I 'm not very informed about these matters, but they only say they are trying to collect a debt for their customer and wo n't agree to a lessor payment. It is not for a lot of money, only about {$2500.00} but I do n't have it and neither does my mother. She lost our house to XXXX XXXX XXXX in XX/XX/XXXX and we have both been trying to recover since then. We ca n't even afford a lawyer to fight them and feel like we are victims of the law and have no recourse against this unscrupulous company. We will pay the debt but we need time. I have told them that as soon as I can pay more I will increase the amount. But I need enough money for rent, food and gas so i can work and i do n't make much more than that. I would like to pay it in full now but there is no way i can do so. ( My Mother is writing this for me as I 'm not knowledgeable about these things ).
Company Response: Company chooses not to provide a public response Closed with explanation

Disputed: No Timely Response

2015-07-16

Sunnyside, WA

Cont'd attempts collect debt not owed

Debt collection: Credit card

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

Disputed: No Timely Response

2015-07-13

East Matunuck, RI

Disclosure verification of debt

Debt collection: I do not know

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

Disputed: No Timely Response

2015-07-12

Grand Mound, IA

Cont'd attempts collect debt not owed

Debt collection: Credit card

Debt is not mine
Complaint: In XXXX I received a letter from the law firm XXXX for demand of a XXXX account that I never opened. I wrote them a letter explaining that this debt was not mine and requested verification of the debt and more information about the account in which I never received. The first of the year ( XX/XX/XXXX XXXX I started receiving harassing phone calls from this debt collector on my cell phone ( which to this day I have no idea how they got that number for I never gave it to them ). On XX/XX/XXXX I received a letter XXXX notice to cure ) from the law office XXXX stating that I failed to make the agreed payments and was in default. First off, I never agreed to anything or entered into any type of contract with the law office XXXX or their client Cach LLC or the cited original creditor of XXXX. Secondly their citing the date of the last payment was about 4 1/2 years ago and I have never paid anything on this debt. They sent me two different letters one demanding a payment of {$4600.00} and another letter demanding payment of {$1500.00} XXXX XXXX letters arrived on the same day ). I am on XXXX food stamps and own nothing so even if these debts were mine ( which their not ) I could never come up with that kind of money.
Company Response: Company chooses not to provide a public response Closed with explanation

Disputed: Yes Timely Response

2015-07-10

CA

Disclosure verification of debt

Debt collection: Credit card

Not given enough info to verify debt
Complaint: Cach LLC has contacted me repeadly to collect on a debt I do not owe, and they have not responded to my request for debt validation.
Company Response: Company chooses not to provide a public response Closed with explanation

Disputed: No Timely Response

2015-07-08

Orlando, FL

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: Yes Timely Response

2015-07-08

Palm Harbor, FL

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

2015-07-06

Chandler, AZ

False statements or representation

Debt collection: I do not know

Impersonated an attorney or official
Company Response: Company chooses not to provide a public response Closed with explanation

Disputed: Yes Timely Response

2015-07-03

MA

Communication tactics

Debt collection: Credit card

Frequent or repeated calls
Complaint: Credit Card collection agency has repeatedly called my place of employment after being asked multiple times to not call. In addition collection agency has contacted my parents, sister and elderly grandfather repeatedly. Call are made sometimes XXXX or more in a single day with only a single message being left. After calling and speaking to agency and asking them to cease calls to my place of employment - I am a XXXX and do not have an outside line to my XXXX and will never be able to receive calls at work as a result ( nor is it appropriate ) - they left detailed messages for me with both the XXXX secretary and the XXXX. This has been going on for 3 years and as most recently as XXXX 2015. I called in XXXX of 2015 to make a settlement offer of {$800.00} for my outstanding debt of {$1200.00} ( more than 70 % of a 5 year old debt ) and was told that I needed to come up with {$1000.00} and I should " call back when I have the rest of the $ '' and was hung up on. The collections calls have since resumed to multiple calls each day. I would like a reasonable settlement offer sent to me IN WRITING as I do not feel comfortable dealing with a company via phone that ignores my requests for cease calls, ignores me when no permission has been given to contact on certain phone numbers and refuses to send me anything via mail. My information was updated with this company in XXXX of 2015 and I simply want to resolve this debt reasonably and expediently without myself or my family being treated rudely or unprofessionally. I want no further contact from this company via phone call to any number. As soon as I receive a reasonable settlement offer by mail, I will remit payment accordingly but will not do so without something in writing.
Company Response: Company chooses not to provide a public response Closed with monetary relief

Disputed: No Timely Response

2015-07-01

Jacksonville, FL

Cont'd attempts collect debt not owed

Debt collection: Auto

Debt is not mine
Company Response: Company chooses not to provide a public response Closed with non-monetary relief

Disputed: No Timely Response