SQUARETWO FINANCIAL CORPORATION

2016-04-19

Gaviota, CA

Taking/threatening an illegal action

Debt collection: Credit card

Threatened to sue on too old debt
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

2016-04-18

Hudson, NC

Cont'd attempts collect debt not owed

Debt collection: Credit card

Debt was discharged in bankruptcy
Complaint: I received a credit card from XXXX. I was XXXX in the space of five years and could not pay what I owed them. Anyway the debt of {$9100.00} went to CACV of Colorado - a collection agency. In the meantime, XXXX XXXX XXXX bought out the original company. A judgment was issued in XXXX against me for this debt by CACV. My medical bills totaled around XXXX dollars so I had no choice but to file bankruptcy. It went through in XXXX of XXXX. My husband died in XXXX XXXX and as a result, I may have to refinance the house. To my utter shock, the judgment was listed against the house which was financed in my husband 's name alone. And the total is some {$320000.00}! I believed the debt to be discharged by the bankruptcy especially since both the original creditor XXXX XXXX XXXX XXXX XXXX and CACV were listed on it. I never heard anything else from XXXX XXXX XXXX but CACV insists that I owe this money - an exorbitant amount considering that the original was far less. I never received any notice whatsoever about any of this - only for the original amount in a letter in XXXX. I never heard from them again.
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

2016-04-14

Baltimore, MD

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

2016-04-14

Staten Island, NY

Disclosure verification of debt

Debt collection: Non-federal student loan

Not given enough info to verify debt
Complaint: I sent XXXX debt validation requests to CACH LLC and they have ignored all of my requests. I do not recognize this debt and I need proper validation.
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

2016-04-08

Philadelphia, PA

Cont'd attempts collect debt not owed

Debt collection: Credit card

Debt is not mine
Complaint: I have asked XXXX for an invoice several times now and the company says they can not provide one to me. The debit is from 2013 I do not remember having an account with XXXX during that time. I know during that time someone stole my identity and I did place and social security alert and froze my accounts and changed bank accounts. Perhaps this was the left over result of that, I do not know if I do owe then I need to know why I owe {$280.00}, if I for some reason I do 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

2016-04-07

Perry, 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

2016-04-07

Lewisville, TX

Cont'd attempts collect debt not owed

Debt collection: I do not know

Debt is not mine
Complaint: I was contacted in regards to a debt that is not mine. I have written several letters and after further review of the FTC guidelines decided to go through the proper channels and have an FTC Affidavit notarized. I sent it certified but this company keeps calling me at work and home. Please help me get this resolved. Thank you
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

2016-04-04

Phila, PA

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 explanation

Disputed: Yes Timely Response

2016-04-02

Ernul, NC

Cont'd attempts collect debt not owed

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

Debt was discharged in bankruptcy
Complaint: I applied to refinance my home when I found out that CACH , LLC, has a lien against my home in my husbands name, that was filed in bankruptcy .We were discharged XXXX/XXXX/2013. this means they have been paid but wo n't take it off. The amount filed in bankruptcy was XXXX.I am not sure if you can help but maybe if you ca n't you can direct me to the right source.
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

2016-04-01

Glenview, IL

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

2016-03-31

Hicksville, 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: No Timely Response

2016-03-29

False statements or representation

Debt collection: Medical

Attempted to collect wrong amount
Complaint: I DO NOT KNOW?, I live in XXXX, and after signing up on karma, XXXX to 8 months later these XXXX ( XXXX ) remarks shows up on my credit history. I written to both companies over two ( 2 ) weeks ago and no response, using your cfpb letters. I want these wrongful remarks off my credit history.
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

2016-03-24

Foothill Ranch, CA

Disclosure verification of debt

Debt collection: Credit card

Not given enough info to verify debt
Complaint: Cach , LLC is reporting an account on my credit report which I do not recognize. I 've disputed it with XXXX claiming it does n't belong to me. XXXX bureaus claim it 's been verified and said I needed to contact the data furnisher to get further information. On XXXX XXXX, 2016 I mailed CACH , LLC a letter requesting all information verifying this account belong to me & they could verify the debt. They have ignored my request for information & are still reporting the account on both XXXX & XXXX credit agencies. I would like this removed immediately since it has been over 30 days since I requested the information & they have never verified/validated the account.
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

2016-03-23

Hillsdale, NJ

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

2016-03-20

Northridge, CA

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

2016-03-17

Slidell, LA

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

2016-03-16

MN

Disclosure verification of debt

Debt collection: Credit card

Right to dispute notice not received
Complaint: Cach LLC never contacted me once about a debt they purchased XXXX XX/XX/XXXXXXXX purchased it from XXXX in XXXX. I havent made a payment on this debt since XXXX. XXXX removed their account fTom my credit report because it 's over 7 years old. Cach LLC however is falsely saying it did n't go delinquent until XXXX and refuses to remove it. When I asked them to send me verification of the debt they refused to do so.
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

2016-03-04

Bremen, GA

Cont'd attempts collect debt not owed

Debt collection: I do not know

Debt is not mine
Complaint: XX/XX/XXXX/XX/XX/XXXX, Square Two Financial ( now CACH , LLC ) purchased a debt, which they somehow matched on my name, and in spite of more than a dozen attempts to have them resolve the bad data, they not only continue to report this on my credit, but are now fabricating fictitious dates of service to circumvent fair credit reporting laws. The company, in spite of multiple certified letters, numerous phone conversations, and the filing of a police report for identity theft, continues to fabricate false date information, change account numbers, and repost the fake debt on my credit report.
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

2016-03-03

Ashville, OH

Dealing with my lender or servicer

Student loan: Federal student loan servicing

Don't agree with fees charged
Complaint: I was studying the year 2009. I went to a XXXX get my XXXX and mi SS. This XXXX start getting money from my SS. When I found out I call them and my make some payments. They told me that get evidence that I ca n't pay the loan. I sent all the evidence to them and I was paying {$5.00} after I sent all the bills they sent me a letter that I do n't have to paid no more. I moved to Ohio and then this Collection company is calling me every at XXXX am to the whole day XXXX times a day. The name was XXXX and now is CACH LLC because XXXX transfer the debt. The numbers are XXXX,XXXX,XXXX etc. When I moved to Ohio I lost that letter that proof is all resolved so I do n't have evidence to show them. 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

2016-03-02

Fitchburg, WI

Dealing with my lender or servicer

Student loan: Federal student loan servicing

Received bad information about my loan
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

2016-03-01

Cliff Park, 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 explanation

Disputed: No Timely Response

2016-02-29

West Duluth, MN

Taking/threatening an illegal action

Debt collection: Credit card

Threatened to sue on too old 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

2016-02-25

Bronx, NY

Disclosure verification of debt

Debt collection: Medical

Not given enough info to verify debt
Complaint: In the attached document in additional information. The response is not clear, on who has my debt. it appears, that someone or a another company has the debt, that are not to have under law. Who has the debt, why did they not notify me that they have the debt, and what if any giving information to any other entity. What other companies have a hold on this debt, has ti been sold and resold to other companies, if so, they have violated several federal laws and XXXX XXXX Laws.
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

2016-02-24

Halyoke, MA

False statements or representation

Debt collection: I do not know

Impersonated an attorney or official
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

2016-02-23

Reno, NV

False statements or representation

Debt collection: Credit card

Attempted to collect wrong amount
Complaint: My credit card company sold my XXXX debts for XXXX and XXXX to a company called CACH , LLC. A few months ago I contacted this company to pay this debt and spoke to a representative who assured me that If I paid the balance in full they would remove the debt from my credit reports. I told them to give a day and I would have it for them. I called back the next day and spoke to a new representative who told me that they would not remove the XXXX debts from my credit report and then my balance owed changed to XXXX dollars total. when I explained that the balance was not correct and I was also assured that my debt was supposed to be removed upon full payment of both debts, and that I wanted to speak to a supervisor, she hung up on me. Since that time I have been consistently calling trying to take care of this debt and I have not been able to reach anyone since.
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