SQUARETWO FINANCIAL CORPORATION

2016-11-10

Rochdale, 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

2016-11-07

Penn Yan, NY

Cont'd attempts collect debt not owed

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

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: No Timely Response

2016-11-07

Penn Yan, NY

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: No Timely Response

2016-11-03

NY

Taking/threatening an illegal action

Debt collection: Credit card

Attempted to/Collected exempt funds
Complaint: I had a Credit Card with XXXX XXXX. I paid the amount off XXXX XXXX, XXXX. I have the actual checks that were cashed by XXXX and the actual original bill in XXXX. I have had them deleted off of my credit report by XXXX, XXXX and XXXX as it was proved to be paid in full. It has been deleted several times ; from XXXX County Court, XXXX as well as XXXX XXXX XXXX. They now are taking XXXX from my paycheck every 2 weeks. I do not owe this bill and I can not afford to keep losing money. They have a total of XXXX as of this week. I have all forms and documents to prove my case to fax it. Thank you for all your help.
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

2016-11-02

Brookside, NJ

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 non-monetary relief

Disputed: Yes Timely Response

2016-10-31

Pensacola, FL

Cont'd attempts collect debt not owed

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

Debt resulted from identity theft
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

2016-10-31

Greenwood, IN

Improper contact or sharing of info

Debt collection: I do not know

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

2016-10-30

San Leandro, CA

Taking/threatening an illegal action

Debt collection: I do not know

Seized/Attempted to seize property
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

2016-10-26

Harbor City, CA

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: No Timely Response

2016-10-26

Santa Ysabel, CA

Communication tactics

Debt collection: Credit card

Threatened to take legal action
Complaint: I 'm trying to refinance my home and I was told I have a judgement against the property. No idea., I have lost so much since the housing meltdown. My business and property and lost my job. Finally have a job underpay. I have so much going on., now this cach LLC sue me claim they serve me., which is not true. Now XXXX told me they ca n't continue till the judgment is clear. I do n't know What to do., they file the judgment XX/XX/XXXX. I believe it was charge off by XXXX XX/XX/XXXX/XX/XX/XXXX Please help me
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

2016-10-25

Addisleigh Park, NY

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

2016-10-17

Clermont, IN

Disclosure verification of debt

Debt collection: Medical

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

2016-10-17

San Jacinto, CA

Cont'd attempts collect debt not owed

Debt collection: I do not know

Debt is not mine
Complaint: Cach llc is headquartered in XXXX, XXXX Cach llc has failed to verify the {$100000.00} debt they are reporting on my credit report. I have disputed/requested them and the credit bureaus for appropriate verification. I still have the document i 've sent to the credit bureaus about this debt enforcing the laws. According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), " you are required by federal law to verify - through the physical verification of the original signed consumer contract - any and all accounts you post on a credit report. Otherwise, anyone paying for your reporting services could fax, mail or email in a fraudulent account. '' And on my behalf, i have never had any contract or agreement to do any business with Cach llc, they are reporting illegally and i 'm furthering action in route to filing a lawsuit against them as they have not issued a removal of this debt from all XXXX of the credit bureaus. My complaint can be deemed satisfactory when in writing, the reported debt is recognized in error on the collection agency behalf, mailed to me and all XXXX of the credit bureaus, as it is currently reported illegally.
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

2016-10-15

Cheshire, OR

Disclosure verification of debt

Debt collection: Non-federal student loan

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

2016-10-13

Las Vegas, NV

Cont'd attempts collect debt not owed

Debt collection: I do not know

Debt is not mine
Complaint: Cach llc has failed to verify the {$1200.00} debt they are reporting on my credit report. I have disputed/requested them and the credit bureaus for appropriate verification several times, month after month since XXXX 2016. I still have the documents i 've sent to the credit bureaus about this debt enforcing the laws. According to the Fair Credit Reporting Act, XXXX XXXX ( a ) ( 1 ) ( A ), " you are required by federal law to verify - through the physical verification of the original signed consumer contract - any and all accounts you post on a credit report. Otherwise, anyone paying for your reporting services could fax, mail or email in a fraudulent account. '' And on my behalf, i have never had any contract or agreement to do any business with Cach llc, they are reporting illegally and i 'm furthering action to file a small claims lawsuit against them as they have not issued a removal of this debt from all XXXX of the credit bureaus. Cach llc is headquartered in XXXX, XXXX but there is no active status in California according to " California XXXX '' so i 'm not sure who or what should i label as the defendant on my lawsuit due to jurisdiction statute. I 'm ready to take action, I just want the reported debt account to be removed from all XXXX of the credit bureaus, as it is illegal reporting.
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

2016-10-05

Gates, NY

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: Yes Timely Response

2016-10-05

Hanceville, AL

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

2016-10-05

Howard Beach, NY

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

2016-10-03

Gloucester City, NJ

Cont'd attempts collect debt not owed

Debt collection: Credit card

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

2016-09-27

Reno, NV

Cont'd attempts collect debt not owed

Debt collection: I do not know

Debt is not mine
Complaint: Filed CFPB dispute towards CACH LLC. CACH LLC responded in a timely fashion and stated that they would contact XXXX XXXX and have false judgement vacated. To date no action has been taken to vacate the judgement. I have attached a copy of the original CFPB complaint and response from CACH which has CACH 's response highlighted in yellow. I have attempted to contact XXXX at XXXX and tried to reach via phone.
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

2016-09-27

Winnsboro, LA

Communication tactics

Debt collection: Credit card

Threatened to take legal action
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

2016-09-20

Hoard, 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 non-monetary relief

Disputed: No Timely Response

2016-09-14

Bronx, NY

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 non-monetary relief

Disputed: No Timely Response

2016-09-10

Cedartown, GA

Disclosure verification of debt

Debt collection: Payday loan

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

2016-09-08

Gloucester City, NJ

Disclosure verification of debt

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

Not given enough info to verify debt
Complaint: CACH LLC did not validation for this debt. I do n't have any sign document or any business with them. on my credit repot claiming unpaid debt by 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: Yes Timely Response