SQUARETWO FINANCIAL CORPORATION

2015-06-30

Plymouth, FL

Delinquent account

Credit card:

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

Disputed: No Timely Response

2015-06-30

Aguada, PR

Communication tactics

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

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

Disputed: No Timely Response

2015-06-29

Hammond, IN

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

2015-06-27

Oxford, GA

Disclosure verification of debt

Debt collection: Credit card

Right to dispute notice not received
Complaint: I never received anything from CACH , LLC about a debt I owe them until the Sheriff Department served me with a Summons ( XXXX/XXXX/2014 ). I got legal representation righ after this. My attorney requested that CACH , LLC send them validation of debt. Neither XXXX of us ( my attorney & myself ) never received any validation stating the debt is mine. In XXXX of 2014 I pulled all three of my credit reports and the collections was on my credit report. I was denied credit with XXXX because of this negative impact on my credit report. Since CACH , LLC could not verify the debt and I answered the summons they dismissed my case. But they are still reporting this debt on my credit report as belonging to me without verification of the debt.
Company Response: Company chooses not to provide a public response Closed with monetary relief

Disputed: No Timely Response

2015-06-25

Bronx, NY

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

2015-06-25

Foothill Ranch, CA

Cont'd attempts collect debt not owed

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

Debt is not mine
Complaint: I was part of a XXXX company with my ex-spouse, until XXXX XXXX, 2008, at which time I was terminated and released of all company liabilities, present and future. My ex-spouse received the XXXX as his separate and sole property in the settlement agreement. He also completed legal paperwork to have me removed from a XXXX XXXX XXXX business line of credit. The ex-spouse warranted to me that he completed and submitted a Release of Guarantor Agreement to XXXX XXXX XXXX, thereby legally removing me as a guarantor of his companies ' future financial liabilities and debts. XXXX XXXX XXXX claims they do not possess that paperwork, and sold the debt fraudulently to CACH , LLC, who hired the XXXX in Arizona to attempt to collect the debt from me. I requested in writing, well within the 30 day time frame, for CACH , LLC and the XXXX to validate this debt, and and my request was IGNORED. CACH , LLC, reported a collection account to all XXXX credit bureaus : XXXX, XXXX XXXX and XXXX. It is my understanding that if the collection agency does NOT validate the debt, they are violating my rights under the Fair Debt Collection Practices Act. Furthermore, since CACH , LLC, has reported information that they know to be inaccurate and incorrect to the above listed XXXX agencies, they have violated the Fair Credit Reporting Act 15 USC 1681s-2 Section 623. If CACH , LLC attempts to pursue a judgement without validating the debt, they are again failing to comply with the Fair Debt Collection Practices Act. This is not my debt. I requested validation, which I have NOT received, yet they are continuing to attempt to collect this debt. I now have negative, harmful and inaccurate information on my credit report.
Company Response: Company chooses not to provide a public response Closed with non-monetary relief

Disputed: No Timely Response

2015-06-25

Atl, GA

Disclosure verification of debt

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

Not given enough info to verify debt
Complaint: XXXX closed the account many years ago and submitted it to CACH LLC for collection. This debt was disputed and the amount owed. CACH continues to report it every year to keep it open on my credit report and I have never received a copy of the orginal paperwork as requested from XXXX. XXXX is reporting it as well as CACH. So I have XXXX companies reporting the same debt each with different amounts.
Company Response: Company chooses not to provide a public response Closed with explanation

Disputed: Yes Timely Response

2015-06-24

Bellerose Manor, NY

Deposits and withdrawals

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

2015-06-22

Sacramento, CA

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

2015-06-17

Wann, OK

Taking/threatening an illegal action

Debt collection: Credit card

Sued w/o proper notification of suit
Complaint: My bank account was garnished on XX/XX/2015. I was never served for a summons or complaint of the debt. I looked up on XXXX and discovered that they state that I was served. I spoke to a representative named XXXX at XXXX XXXX XXXX XXXX and offered to settle the account for {$1200.00} even though I dispute the account. I notified them of the improper service and they could n't do anything to help find a reasonable resolution to my complaint of improper service and my dispute with the fees and interest. They gave me a counter offer of XXXX on a balance that they state I owe of {$6400.00}. I am unable to do that amount. My financial situation will not allow for it. I am a single parent of XXXX children. And I am barely living paycheck to paycheck. I have also notified them to not contact me by telephone and to cease and desist calling me. At this time since they have not investigated the improper service they are causing me undue hardship by garnishing my bank account and refusing to come to a reasonable resolution. I am in fear that they will garnish my paycheck next. And because of my low income I will have another hardship if I have to hire an attorney to file motions to quash the judgement for improper service or risk representing myself. I believe it is unfair and deceptive for them to use improper service to obtain default judgements and I would like your help to resolve the issue.
Company Response: Company chooses not to provide a public response Closed with explanation

Disputed: Yes Timely Response

2015-06-16

Palos Park, IL

Cont'd attempts collect debt not owed

Debt collection: I do not know

Debt is not mine
Complaint: Dear sir/madam, as I was going through my credit report on XXXX and XXXX few months ago, then I noticed a negative report on my credit. The negative report was from a collection agency called CASH LLC. any time I dispute the account, they kept sending me a letter at my home address saying they investigated the dispute and notice it was mine. I attached a copy of the letter they sent to my home address after my last dispute to the account .I want your office to go through the attached letter. First I have never had any account with XXXX BANK OR ANY OF IT AFFILIATES. Second, They have to explain which address I was living when I acquired this dept. I believe this could be someone else account who may have same name as mine .I do n't know how they got my social security and my name even my date of birth because I know I have never had any account with CASH LLC XXXX XXXX Bank or any of their affiliates. I am requesting that CASH LLC and XXXX Bank or any of their affiliates should remove such negative and false statement from my credit report
Company Response: Company chooses not to provide a public response Closed with explanation

Disputed: Yes Timely Response

2015-06-15

Effingham, KS

Cont'd attempts collect debt not owed

Debt collection: Credit card

Debt is not mine
Complaint: I opened a business in XX/XX/XXXX with another person. At that time we opened up a number of business accounts with vendors and banks. In XX/XX/XXXX I left the business and sold my ownership to my business partner. We provided all of our vendors and banks with our documents showing the business ownership changes. I requested that all of the cards in my name be closed and closed the credit line that was in our joint names. My old partner continued to operate the business till XX/XX/XXXX/XX/XX/XXXX time frame. During that time he apparently racked up debt he could not afford and he started receiving collection notices. I received XXXX from XXXX at that time in my name. I contacted XXXX and provided them with my change of ownership documentation and the lady I spoke with claimed to update the account and never contacted me again. In XX/XX/XXXX I ran my credit report and saw a collection agency was listed trying to collect on the old XXXX debt. I called the company, explained the situation, and they stated that when XXXX sold them the debt they only listed my name on the account and not my old partners. I was able to get my old partner to contact the collection agency and agree to pay the debt. I provided the collection agency all of the ownership change forms at the time and they never contacted me again. My partner never paid the debt and when I attempted to get a mortgage recently I saw that the debt was still on my account. I contacted the collection company, CACH LLC and they said that they would not remove me off of the account because that is how they purchased it. I requested that they contact XXXX to get updated records because my partner should have been the personal guarantor and they would not do it. They said I had to get XXXX to provide me that documentation. I called XXXX to request details on the account. XXXX said they can see that my partner is a personal guarantor and they have notes in their system that there was an ownership request documented but they don't have any additional details. They don't have copies of the change of ownership forms I sent in nor copies of the contract stating I am no longer responsible for the business. They are going to provide me with a letter stating that my partner is a personal guarantor but will not provide me with anything stating that I am not. I have also requested documentation from CACH LLC and XXXX, verification of what the debt is. I was not with the company during the years that the debt was incurred so I have no idea what they believe I am responsible for. Neither CACH LLC nor XXXX has been able to provide me with any account statements stating who used the account, what was purchased, whose card was being used and in what amounts. I have received nothing from them. I originally made this request in XX/XX/XXXX and they did not provide it and I'm making the request again in XX/XX/XXXX and they are telling me they don't have any of those details. I don't have chance to dispute these charges if they can't provide me with the details on the account.
Company Response: Company chooses not to provide a public response Closed with non-monetary relief

Disputed: No Timely Response

2015-06-11

Succasunna, NJ

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

2015-06-10

OR

Delinquent account

Credit card:

Complaint: An item appeared on my credit report and I have been attempting to resolve with the creditor ( Fresh view Solutions ) XXXX. After being on hold for 1/2 an hour on XXXX occasions, no answer or call back. I can not settle the purported obligation if they ca n't answer my call. This item is impacting my ability to obtain new credit. Acct # XXXX.
Company Response: Company chooses not to provide a public response Closed with explanation

Disputed: No Timely Response

2015-06-07

Frankfort, KY

False statements or representation

Debt collection: Credit card

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

Disputed: No Timely Response

2015-06-02

Soddy Daisy, TN

Cont'd attempts collect debt not owed

Debt collection: Non-federal student loan

Debt was paid
Complaint: I took out student loans with XXXX. I paid and consolidated the rest of my loans. I contacted XXXX and they said I do not owe them anything and they do n't know why this other company is contacting me. I also asked the company for proof and they have not and will not provide it. I told them that I do not owe this debt and they just tell me I do. I also asked why they keep reporting on my credit and they tell me they are not. They also stated that if I do n't pay them then they will garish my wages and put a lean on my house and tax my taxes. They also informed me that I could end up in jail.
Company Response: Company chooses not to provide a public response Closed with non-monetary relief

Disputed: No Timely Response

2015-05-27

Spring Hill, FL

Improper contact or sharing of info

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

Contacted me instead of my attorney
Company Response: Company chooses not to provide a public response Closed with non-monetary relief

Disputed: No Timely Response

2015-05-27

CA

Cont'd attempts collect debt not owed

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

Debt is not mine
Complaint: I continue to get debt collection notices from CACH , LLC ; XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, XXXX XXXX even though I informed them repeatedly that they got the wrong person. Pursuant to my rights under federal debt collection laws, I requested in a certified letter that CACH , LLC cease and desist indicating " The debt is not mine and I do not want you to contact me again. '' They received letter on XXXX XXXX, 2015. On XXXX XXXX, 2015 I received another letter from them asking for monies. I want them to cease and decease letters and phone calls to my residence.
Company Response: Company chooses not to provide a public response Closed with explanation

Disputed: Yes Timely Response

2015-05-26

Staten Island, NY

Disclosure verification of debt

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

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

Disputed: No Timely Response

2015-05-26

Spring Hill, FL

Improper contact or sharing of info

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

Contacted me instead of my attorney
Company Response: Company chooses not to provide a public response Closed with explanation

Disputed: Yes Timely Response

2015-05-22

Lincoln, NE

False statements or representation

Debt collection: Credit card

Attempted to collect wrong amount
Complaint: XXXX XXXX XXXX sent a " dunning '' letter to consumer dated XX/XX/XXXX on law firm letterhead which violates the Fair Debt Collections Practices Act ( " FDCPA '' ) 15 U.S.C. 15 Section 1692e and 1692f. The law firm commits a number of violations in the letter. The XXXX XXXX notes that " dunning '' letters ( sent on law firm letterhead ) that contain offers to settle 'time-barred ' debt misleads unsophisticated consumers as to the legal status of the debt and violates the FDCPA. Consumer recognizes the debt XXXX XXXX XXXX is attempting to collect is over Nebraska 's 4 year statute-of-limitations ( SOL ) law for debt collection. Consumer does not wish continued communication with XXXX XXXX XXXX after this formal ( dispute ) complaint is lodged with the CFPB as the complaint will be tendered as evidence in a court proceeding if necessary. Consumer makes known that - if an agency ( or law firm ) incorporates the use of form collection demands on attorney letterhead the agency ( or law firm ) MUST incorporate " meaningful attorney involvement '' into its collection process ; 15 U.S.C. Section 1692e and XXXX vs Law Offices of XXXX XXXX XXXX XXXX XXXX, No. XXXX. XX/XX/XXXX - XXXX XXXX XXXX. If XXXX does not cease contact with Consumer by mail/phone/email consumer will file a state and federal lawsuit against the entity for violations of the FDCPA, FCRA and TCPA. Consumer thanks the Consumer Financial Protection Bureau ( CFPB ) for providing this venue as a viable avenue of documentation and mediation. It is greatly appreciated.
Company Response: Company chooses not to provide a public response Closed with monetary relief

Disputed: No Timely Response

2015-05-20

IL

Disclosure verification of debt

Debt collection: Credit card

Not given enough info to verify debt
Complaint: I am in the process of purchasing a home for my son and his family. WHile completing the mortgage application, there was a judgement that appeared on my credit report. I have no idea what this is from. My loan officer assited in researching the matter as the only number listed on the credit report is the courthouse. I filed Chapter XXXX BK in 1999. I included all credit card debt at that time. My credit report shows the Planitff as Cach LLC ( XXXX ) with an amount owed of {$6300.00}. After calling CACH, they sent me to XXXX XXXX XXXX CO who apparently now has the debt. I spoke with XXXX XXXX ( XXXX ) who informed me that the debt was from a XXXX XXXX account. The debt is now {$9500.00}. I pulled my BK papers and reviewed the debt that was included in the BK and non show XXXX XXXX. I know there are a few credit cards companies listed on my BK papers that are no longer in existence which is hard to follow and obtain docuemntation ont his debt. I asked for the credit card agreement that was signed and was told a request was sent and the timeframe was uncertain. I would like proof that this debt exists and how I owe {$9500.00} when the judgement shows XXXX. Please call me at XXXX if any additional information is required as I would like to resolve this matter ASAP.
Company Response: Company chooses not to provide a public response Closed with explanation

Disputed: No Timely Response

2015-05-19

Atlanta, GA

Disclosure verification of debt

Debt collection: Credit card

Right to dispute notice not received
Complaint: XXXX XXXX is reporting that they bought my XXXX account in XX/XX/XXXX. The XXXX Account was opened in XX/XX/XXXX and has been closed for a very longtime. I have written all the credit reporting agencies in an effort to remove this inaccurate credit information ( Exhibit # XXXX ). The XXXX Account ( ACCT # XXXX ) was listed on my Chapter XXXX Bankruptcy filing dated-XX/XX/XXXX ( Exhibit # XXXX ) and was discharged.
Company Response: Company chooses not to provide a public response Closed with explanation

Disputed: No Timely Response

2015-05-14

Simi Valley, CA

Cont'd attempts collect debt not owed

Debt collection: Non-federal student loan

Debt is not mine
Complaint: On XX/XX/XXXX my daughter started an Application online to borrow money from XXXX XXXX. I agreed to co-sign her application. After SM disclosed their APR 11.99 % we decided not to proceed with them.XXXX ignored luck of my signature or copies my SSN, ID ( that was required for he loan approval ) and, having loan that was not legally established, they transferred money to the University. When we found out that XXXX sent money, refund to XXXX was requested. Due to bureaucracy, it did not happened immediately. XXXX started to charge me fees!!!! Moreover, even though I was disputing fees they were trying to collect, they already sent false information to the Credit Report System! My Credit History score dropped due to XXXX false report.
Company Response: Company chooses not to provide a public response Closed with monetary relief

Disputed: No Timely Response

2015-05-13

Federal Way, WA

Disclosure verification of debt

Debt collection: Non-federal student loan

Not given enough info to verify debt
Complaint: On XXXX/XXXX/XXXX CACH , LLC sent someone to the house I live in, and delivered a complaint summon for an old debt lawsuit. They said XXXX XXXX XXXX assigned the debt collection to them. The summon looked fishy because it did not have a file case number on it. I called the Superior court in XXXX, WA, and the clerks told me I could not file my answer to CACH , LLC ' complaint because there was no file case number to file it under. I had only 20 days to sent my Answer to CACH , LLC in XXXX. I sent my Answer and request for debt verification, and validation with requests for proof of ownership of debt, chain of assignment, the contract between XXXX XXXX XXXX and CACH , LLC on XXXX/XXXX/XXXX. CACH , LLC received the certified mail on XXXX/XXXX/XXXX. I wait for CACH , LLC while I checked nearly everyday Superior court record for a file case number for nearly four month. I was very sick and waiting for XXXX, so I was focusing on my health. I forgot about CACH , LLC I thought they drop the lawsuit because they ignore my request for debt information, and they never sent me anything that I asked for. On XXXX/XXXX/XXXX my roommate handled me a letter from CACH , LLC. It was confusing letter because it listed dates for a court trial on XXXX/XXXX/XXXX ... A year away. This letter had a file case number on it dated XXXX/XXXX/XXXX. There was no words about them winning a default judgment against me. I found out about the default judgment my calling the Superior court with the file case number, and the clerk told me, yes, CACH , LLC got a default judgment on me. I filed my Answer, Motion to Vacate, and evidence, and file a counterclaim under the file case number on XXXX/XXXX/XXXX. CACH , LLC was not suppose to file default judgment without providing supported proof, and complete evidences of ownership of debt collection right, contract between XXXX XXXX XXXX, and between me to pay them, ect. I want you to go after CACH , LLC for violations FDCPA, and XXXX consumer fraud laws. CACH , LLC used unfair, misleading statements, ignore my request to show proof of debt, ownership of debt, and right to collect payments, fees on debt, and right to bring sue and get a default judgment without a contract. Contract terms to fees, interest, ect. CACH , LLC quickly put the default judgment on public record because another lawyer contact me to offer help with bankruptcy filing. I only have a small veteran pension, so that is judgment proof, but the judgment has now hurt my credit ratings again. I told CACH , LLC this in my Answer. I want you to charge CACH , LLC old debt buyers heavy fines for violations, request them to remove any public and private default judgment on credit bureaus records, forbid CACH , LLC from selling my account information to other debt buyers, and have them remove any bad inquiries off all credit bureaus, and encourage them to pay me counterclaim fees for fraud, misrepresentations, wrongful lawsuit, and damaging character image with wrongful default judgment. I want you to sue them, collect my violation fees, and remove the default judgment from all public and private credit records since they got it through fraud. I filed for Motion To Vacate on XXXX/XXXX/XXXX. Our court date is on XXXX/XXXX/XXXX.
Company Response: Company chooses not to provide a public response Closed with explanation

Disputed: No Timely Response