SQUARETWO FINANCIAL CORPORATION

2017-02-14

Arlington, TX

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: Yes Timely Response

2017-02-09

Southern Pnes, NC

Cont'd attempts collect debt not owed

Debt collection: Credit card

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

Disputed: No Timely Response

2017-02-08

Matteson, IL

Disclosure verification of debt

Debt collection: I do not know

Not given enough info to verify 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

2017-02-05

Grand Haven, MI

Disclosure verification of debt

Debt collection: Credit card

Not given enough info to verify 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

2017-01-29

Arco, CA

Disclosure verification of debt

Debt collection: I do not know

Not given enough info to verify 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

2017-01-29

Lannon, WI

Cont'd attempts collect debt not owed

Debt collection: I do not know

Debt is not mine
Complaint: XX/XX/XXXX Debt collector mailed stipulation and order and financial disclosure form for me to sign and date for paymen i i owe. XX/XX/XXXX Debt collection enter Judgment/and order me to pay. XX/XX/XXXX I wrote the Judge stated I do not owe this company any I was told to fill out earning garnishment debtor answer. I did not. XX/XX/XXXX Debt collector agency mailed me an letter demanding for full payment XX/XX/XXXX debt collector mailed my job earning garnishment.I informed my job please do not mail any payment to this company. XX/XX/XXXX Debt collector agency Attorney faxed my job letter demanding mutually agreeable terms to resolves debt account and wanted me to sign stipulation and calling my cell phone.Therefore my job was order to garnishment. I wrote the Judge again to reopen the case and motion was granted XX/XX/XXXX at XXXX was court day and the Attorney did n't show up. The next day I got and Letter from the company and the Clerk of Court Plaintiff respectfully requests to dismissed the hearing base on documents provided by the Defendant XX/XX/XXXX- XX/XX/XXXX. another Debt collector demanding full payment past 2 years this 2nd debt collection Attorney has been harrashing me and my job. this case has been scheduled Pre trail conference, court hearing. The first court day the judge ask for any documentation stated not owe this Company. I shown the account is closed, company has no record, and I file for dispute status from XXXX to prove this account is close, and I shown the judge copy of my old account I saved from the company bill statement. XX/XX/XXXX Judge close the case. Debt Collector reopen XX/XX/XXXX Mailled me another for Court for Notice of Hearing to Garnishment Wages. Than the company Mailed my Job Affidavit of mailing to payroll department Months later another court date to reopen this case and this continue each time during school has stated for work. During these Month this company has Garnish my wages with out any order for garnishment. This company has been fishing for information from the system from the first Debt Collector who ender judgement. XX/XX/XXXX asked the court to reopen this case again therefore, motion to reopen was granted. XX/XX/XXXX court day Attorney always order phone appearance. XX/XX/XXXX Debt Collector mail form to fill out for exception filled it out.and no respone from Debt collector XX/XX/XXXX Debt Collector mailed court order for court day XX/XX/XXXX I wrote judge a letter to dismiss this case and why, new judge for this case and I had to explain all over again Court date was XX/XX/XXXX at XXXX I was late for my court day coming from work and the judge order wages garnishment. what hurts so badly this company garnish my wages before court order and am paying a company I do n't owe.
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

2017-01-27

Penn Hills, PA

Communication tactics

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

Called after sent written cease of comm
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

2017-01-24

South Florida, FL

False statements or representation

Debt collection: Credit card

Attempted to collect wrong amount
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response Closed with monetary relief

Disputed: No Timely Response

2017-01-24

Firestone Park, CA

Taking/threatening an illegal action

Debt collection: Credit card

Sued w/o proper notification of suit
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response Closed with monetary relief

Disputed: No Timely Response

2017-01-20

Freeport, NY

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: No Timely Response

2017-01-20

Freeport, NY

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: No Timely Response

2017-01-20

Newark, NJ

Disclosure verification of debt

Debt collection: Credit card

Not given enough info to verify debt
Complaint: I requested verification of debt and no information has been received. I need signed documents that I entered into contract with CACH LLC.
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

2017-01-19

Lb, CA

False statements or representation

Debt collection: Credit card

Attempted to collect wrong amount
Complaint: This complaint is against CACH , LLC, dba XXXX & XXXX. Funds were levied from an account to which I have no financial interest & which contained the direct deposit proceeds of my mother 's social security benefit payments. The funds taken exceeded the maximum as stated. Funds were not posted or forwarded as I was told had been done and were held for a period of two years after seizure. Both organizations failed to respond in a timely manners with accurate information to my requests or to the requests made to each other resulting in an erroneous accrual of interest and continued damage to my credit rating. As a result of errors a second account was erroneously levied and an additional amount seized from a savings account which contained the proceeds of my husband 's Veteran 's Administration XXXX Benefits. To this date I have received false information and have yet to get resolution to this matter. I am seeking your assistance. The particulars follow. Due to an unexpected job loss and {$80000.00} per annum in income coupled with a sudden increase in expenses my husband and I found ourselves in a difficult and very emotionally painful situation of having to renegotiate our credit card debt. We were unable to come to a resolution with XXXX and the balance continued to rise exponentially even though we were making payments. In lieu of this we decided to focus our efforts elsewhere and unfortunately the account went into default. The account was purchased by CACH/XXXX. A judgment was ordered by XXXX XXXX XXXX Court and a default judgment entered on XXXX/XXXX/XXXX. I did not fight the judgment because I did in fact owe the money. I did not agree with the amount but felt that there was little I could do. On XXXX/XXXX/XXXX just before the XXXX Holiday when banks and businesses are closed, a levy was sent to XXXX in XXXX, AZ and funds in the amount of {$4800.00} were withdrawn. No notice was given and it was only discovered when my mother went to access her account. This account was my Mother 's Social Security direct deposit account. I was listed, along with my sister, as joint in the event that my mother needed emergency funds and was unable to access them for any reason. After multiple phone calls back and forth between myself, XXXX XXXX, and CACH/XXXX as I attempted to have the illegally seized funds returned to my mother without success I made an agreement with my mother to pay her back. At this point I considered the matter closed and made restitution to my mother. Over one year later, in XXXX I received a notice from CACH/XXXX stating that the amount was still outstanding. I immediately called them and after being transferred around several times talked with XXXX XXXX who assured me that the matter would be resolved and that the funds were with the XXXX County Sheriff 's Office. She would not give me a phone number or contact that I could follow up with stating that the matter was between them and the Sheriff 's Office. In XXXX, XXXX I received a letter from CACH/XXXX stating that they were willing to renegotiate the amount owed and wipe out up to 70 % of the debt. As the XXXX season was approaching and I was dealing with a multitude of family issues I decided to contact them after the holiday the following week. Imagine my surprise when I went to access our savings account at XXXX only to discover that no funds were available because a lien had been served by CACH/XXXX and {$5100.00} had been seized. This now brings the total taken from accounts to {$10000.00} which is {$4500.00} more than the original amount ordered. As of this date I have received a check for {$4400.00} from XXXX XXXX returning some of the funds taken in error. I have been unable to cash this check due to the way it is written.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response Closed with monetary relief

Disputed: No Timely Response

2016-12-28

TN

Cont'd attempts collect debt not owed

Debt collection: Credit card

Debt was paid
Complaint: I paid XXXX credit card debts that originated from XXXX XXXX. Due to hardship both credit card accounts were later passed off to a collection group called XXXX. This collection agency hired a law firm named XXXX XXXX XXXX who filed a civil suit for settlement amounts and both accounts were paid in XXXX of 2012. Recently it was discovered that XXXX never reported the debts paid. If I had not kept my receipts all of these years I believe that I would struggling to prove the debts were paid. These debts were paid four years and because XXXX did not promptly report this that it greatly affected my credit. If I had not kept my receipts it would have been my word against them and I am certain that these debts would have showed up again for collection down the road.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response Closed with non-monetary relief

Disputed: No Timely Response

2016-12-18

VA

Taking/threatening an illegal action

Debt collection: I do not know

Sued where didn't live/sign for debt
Complaint: The company in question, CACH LLC, filed a suit in court after I tried to dispute the debt with credit reporting agencies ( XXXX and XXXX ). Both the agencies removed the debt from my credit report and then a week later it was back under a different name. I disputed it again and then the debt showed back up on the credit report, this time doubled to make it look like XXXX debts ; listed as CACH LLC and CACH , LLC ( with a comma added ). I have been to court twice already and the judge keeps postponing it. I have to go again on XXXX XXXX, XXXX. I tried to get the case dismissed because in the affidavits filed by the debtor they said " Affiant states that the original agreement and document evidencing the creation of this Account is lost or destroyed ... '' The judge would not listen to me and instead postponed the case ( twice ). The attorney handling the account told me she did not have any authority to do anything with the case ( dismissing, make changes, etc. ) because she is just handling the case for an out of state client. The judge told me that he would not do anything with the case ( the last time I went on XXXX XXXX ) unless I bring him a fraud complaint form filled out and the attorney was going to send me XXXX but I have not received it and so far unable to find XXXX. I believe I am being taken advantage of and do not know what to do to fix the situation. Meanwhile, the debtor keeps putting multiple listings on my credit report making it look like I have more bad creditors than there is in reality. The debtor has never made an attempt to collect on this debt until I reported them to the credit reporting agencies. Then they filed a suit in the local court here ( they are from out of state ) while still not attempting to collect on this debt. Their own sworn affidavit to the court ( notarized and delivered by the Sheriff 's department to my door ) states they have no proof of the creation of the account ( see above ). Also, the debtor, after I disputed the account on XXXX XXXX, XXXX, placed the account opened status as XXXX XXXX, but on the official court documents and affidavit ( filed on XXXX XXXX one month after I disputed the account ) the debtor can not state when the account was created. They provided the earliest bill they have, dated XXXX XXXX, XXXX, but stated in the affidavit " XXXX 's business records show that as of XXXX/XXXX/XXXX, there was due and payable ... '' They make this statement just prior to the statement where they say the original agreement is " ... lost or destroyed ... '' ( see above ). So the debtor does not seem to be able to get their dates or other information ( facts of the case ) correct either.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response Closed with monetary relief

Disputed: No Timely Response

2016-12-13

Bremen, GA

Can't contact lender

Payday loan:

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

2016-12-09

NC

Cont'd attempts collect debt not owed

Debt collection: I do not know

Debt is not mine
Complaint: There was a loan taken in my name from a company called XXXX which I had no knowledge of or received money from. A company called Cach LLC bought the loan from them and originally called me in XX/XX/XXXX through Fresh View Solutions, they were told that the debt was not mine and I never applied for a loan nor received any money from a loan from XXXX or CACH LLC. Did not hear anything in response until I received a call on XX/XX/XXXX from XXXX XXXX XXXX who attempts to collect money on behalf of CACH LLC, they also called other family members trying to get my information. They were told again the loan was fraudulent, but they are still attempting to collect the debt which should not be mine. I did some research on what XXXX requires to accept to pay out a loan and they require bank account information and to verify employment, which would have been hard for me to do since when this loan was taken out ( XX/XX/XXXX ) I was unemployed and a XXXX and my bank account records will show I never received any loans from XXXX or CACH LLC. I am uncertain how they operate but it appears they need to validate their information before paying out to someone who claims to be someone else.
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

2016-12-07

Chattanooga, TN

Taking out the loan or lease

Consumer Loan: Installment loan

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

2016-11-28

Harsens Is, MI

False statements or representation

Debt collection: Credit card

Attempted to collect wrong amount
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response Closed with monetary relief

Disputed: No Timely Response

2016-11-28

Bellmore, NY

Taking/threatening an illegal action

Debt collection: Credit card

Sued where didn't live/sign for 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

2016-11-28

NV

Cont'd attempts collect debt not owed

Debt collection: Credit card

Debt is not mine
Complaint: I did hold a credit card account with XXXX issued by XXXX Bank from XX/XX/XXXX till XX/XX/XXXX when it was closed. On XX/XX/XXXX was the last payment made on the card showing XXXX balance. Since XX/XX/XXXX till XX/XX/XXXX there was no activity on the account. During the months of XX/XX/XXXX I have received a notice from a collection agency that I owe them {$690.00} that they claim I did not pay XXXX. When asked to prove the charges no one was able to produce said charges because they never existed. Since 2011 till now I have not received what I have requested but said information was reported to the credit bureau as bad debt. Merchandise was returned to XXXX and credit was received but XXXX Bank or XXXX some how decided that I owe them the {$690.00} when that amount was credited to the account based on merchandise returned to them.
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

2016-11-20

Benbrook, TX

Communication tactics

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

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

2016-11-14

N Valley Stream, NY

Disclosure verification of debt

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

Not given enough info to verify 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

2016-11-14

Tucson, AZ

Disclosure verification of debt

Debt collection: I do not know

Not given enough info to verify debt
Complaint: Cach LLC apparently had a judgement from XXXX I did n't know about nor was I contacted about. They just now in XXXX submitted a request for wage garnishment, which gives them four years of interest on the principle amount. I had a bad divorce where my ex husband used a large number of cards and things in my name before we split. I have been in constant dispute with these things trying to get them removed from my credit report. This debt they 're supposedly claiming does n't appear on my report. The only judgement on my report is from XXXX for a lease I was aware of owing. I have already been garnished for this amount as of XXXX and completed payment on it. Upon looking at the paperwork, the previous garnisher was apparently also Cach LLC. I have been unable to get in contact with them to have them verify who/who debt they 're pursuing or collecting now. Garnishment is set to begin right away, and I ca n't even argue anything because I was never served anything in person, I also moved a lot in XXXX after my divorce.
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

2016-11-10

Bloomington, MN

Cont'd attempts collect debt not owed

Debt collection: Credit card

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

Disputed: Yes Timely Response