SQUARETWO FINANCIAL CORPORATION

2016-01-02

Bedford, TX

Identity theft / Fraud / Embezzlement

Credit card:

Complaint: Fraudulent XXXX XXXX XXXX account is reporting on my file. I have disputed this account several times with XXXX, and through CFPB- and they have responded that I need to dispute it with SquareTwo Financial- who currently holds the account even though XXXX is reporting it. I have reached out to this company several times and have not received a response within the state and federally mandated 30 calendar days.
Company Response: Company chooses not to provide a public response Closed with explanation

Disputed: No Timely Response

2015-12-31

Charlotte, NC

Taking/threatening an illegal action

Debt collection: I do not know

Threatened to sue on too old debt
Company Response: Company chooses not to provide a public response Closed with explanation

Disputed: No Timely Response

2015-12-30

Bainbridge Is, WA

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: No Timely Response

2015-12-29

Juniper Hills, CA

Disclosure verification of debt

Debt collection: Credit card

Not given enough info to verify debt
Complaint: XX/XX/XXXX I received a court document showing a lien against me in California. I live and work in XXXX so this envelope came to my parents house by regular mail. I emailed CACH asking for proof of it being my debt ... no answer. I gave permission for Cach to negotiate pants with mom ( revolving acct opened XX/XX/XXXX- no pmt made since XX/XX/XXXX. They would not agree to payment plan or negotiate a lesser amount. 5 days later, with no notice, {$2000.00} was removed from my bank account and I am now stranded in XXXX-with no $ $ to return to work after the holidays in XXXX. Does all of this seem legal? XXXXXXXXXXXX
Company Response: Company chooses not to provide a public response Closed with monetary relief

Disputed: No Timely Response

2015-12-29

AL

Cont'd attempts collect debt not owed

Debt collection: Credit card

Debt is not mine
Complaint: While checking my reports I noticed in the collections area an entry from Cach LLC opened XXXX XXXX for a debt that is not mines. I 've had no communication from this company concerning this unvalidated debt and I 'm sure there has to be a mistake.
Company Response: Company chooses not to provide a public response Closed with non-monetary relief

Disputed: No Timely Response

2015-12-28

Stonington, ME

Disclosure verification of debt

Debt collection: Credit card

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

Disputed: No Timely Response

2015-12-24

OK

Cont'd attempts collect debt not owed

Debt collection: Credit card

Debt resulted from identity theft
Complaint: The XXXX XXXX XXXX, XXXX. law firm is representing CACH , LLC in collecting a debt I do not owe. The name on the account is not my legal name and I believe the account was created from identity theft. A judgment for {$160000.00} was granted against me. This has been a series of long and never ending harassment events over the past 2-3 years. I have pending complaint against XXXX XXXX XXXX with the Oklahoma Bar Association for unethical behavior. Also, I have provided a valid and notarized ID Theft Affidavit to XXXX XXXX XXXX, XXXX. law firm. I seeking all monies garnished and collected from me to be returned and release the judgment.
Company Response: Company chooses not to provide a public response Closed with explanation

Disputed: No Timely Response

2015-12-16

Atl, GA

Cont'd attempts collect debt not owed

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

Debt is not mine
Complaint: This is a paid debt that is more than 10 years ago and yet the original creditor charged it-off but continues to report it even though it is very old. The collection agency has switched several times over 10 years. The current collection firm will not provide me with the note signed by me nor a listing of all payments and dates. This is the third collection agency for this debt.
Company Response: Company chooses not to provide a public response Closed with explanation

Disputed: No Timely Response

2015-12-14

Accomac, PA

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 monetary relief

Disputed: No Timely Response

2015-12-08

Kagel Canyon, CA

Cont'd attempts collect debt not owed

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

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

Disputed: No Timely Response

2015-12-07

Ft Lauderdale, FL

Cont'd attempts collect debt not owed

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

Debt is not mine
Complaint: I am having an extremely bad experience with CACH , LLC and its agents XXXX XXXX and LAW OFFICES OF XXXX XXXX, XXXX. Apparently, CACH purchased the commercial business loan debt from XXXX Bank of my XXXX , XXXX in XXXX XXXX. My corporation started operations in XXXX and, as a result of the economic recession, it went out of business in XXXX. Since then, I 've been winding up my corporation 's affairs and continue to pay the XXXX Bank debt on a timely basis until XXXX. However, XXXX was a very difficult time for my family that not only went through a XXXX accident that I had to spend a week at a hospital with a XXXX but we endured unemployment. When I was back on my feet, I continued making payments to XXXX Bank ( see record attached ) and worked with XXXX Bank 's recovery unit representatives to resolve this debt, always as corporate officer for XXXX. We were in the process of settling this corporate debt with XXXX Bank 's agents when I asked for a copy of the Business Loan Agreement or Promissory Note. The next thing I learned was that the debt was sold to CACH. CACH, without carefully reviewing the business loan documentation, reported this commercial business debt as " personal '' debt to the credit bureaus against my wife and myself, ruin my family 's good credit. In light of such false reporting, I stopped making any payments and requested that CACH remove the business debt reported against my wife and myself, from the credit bureaus. CACH refused to do so based on the application for the commercial loan that included the information of the corporation and its officers but it was clearly signed solely in corporate capacity. This was not a credit card debt where the application represents the business agreement and is the only document that is signed. This was a business loan with a local banking institution and I was required to go to the bank to sign all business loan documents. As part of those documents, I DID NOT sign a Personal Guaranty or a Promissory Note in my individual name, neither my wife. I sent several letters to the credit bureaus and still CACH was allowed to ruin our family credit based on a preliminary application. CACH, through its agents, is trying to collect a debt of {$36000.00} that according to the last records I received from XXXX, the debt balance was {$28000.00} ( see attached ). I even engaged a lawyer to settle this debt. However, CACH response to my settlement offer was that we " look into any savings, 401K, IRA 's, Cash Value in a life insurance, open lines of credit, 2nd mortgage, or get with family '' to come up with the full amount of the debt. This is simply outrageous. This is a business debt, I do not have access to any of their " suggestions '' and, unfortunately, I can not afford legal representation either. On XXXX XXXX, XXXX, the Law Offices of XXXX XXXX, XXXX sent a demand letter to my wife and myself. Although, the letter on its face claims not to be a threat to sue ( XXXX is in Arizona ), the fact that the letter comes from a " Law Office '' has the same effect ( see attached ). This is another deceitful, illegal and outrageous way to collect a business debt from individuals without proving the personal liability. A year of this collection nightmare has elapsed, and because of this abusive collection practice performed by CACH, our family has no longer access to financial resources due to the collection record in our personal credit report. I have XXXX daughters in college and I can not get any student loans for them or any other loans at all. I do not deny the corporate debt but I do deny any personal liability. All I want is for XXXX to remove this business debt from my credit report and be able to settle this business debt as soon as possible. Please help. Thank you.
Company Response: Company chooses not to provide a public response Closed with explanation

Disputed: Yes Timely Response

2015-12-07

Bronx, NY

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

2015-11-25

Hillsborough, NJ

Disclosure verification of debt

Debt collection: I do not know

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

Disputed: No Timely Response

2015-11-19

Atlanta, GA

Disclosure verification of debt

Debt collection: Credit card

Not given enough info to verify debt
Complaint: CACH violated FDCPA 1692-I by filing in the wrong jurisdiction which was XXXX XXXX, GA case on XX/XX/XXXX and dismissed on XX/XX/XXXX while the case was being held in XXXX XXXX GA as of XX/XX/XXXX under. case. It was time barred from giving the chain of custody given to validate party in interest under case in XX/XX/XXXX. FDCPA 1692F -K the frequency and irresponsibility of follow Federal debt collection guidelines in XXXX different incidents when it had opportunity to product the documents to validate it as party in interest it failed to do so from XX/XX/XXXX-XX/XX/XXXX showing persistence and determination to continue violations of FDCPA 1692. The unfair debt collection practices violating FDCPA 1692F to " ambushed '' and surprised the Defendant with a redacted bill of sale and affidavit of the debt 2 years after it was requested since the original filing case # by was unconscionable since they failed to produce copies on XX/XX/XXXX the bill of sale and affidavit from XXXX XXXX to Defendant.
Company Response: Company chooses not to provide a public response Closed with explanation

Disputed: No Timely Response

2015-11-16

Fort Pierce, FL

Disclosure verification of debt

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

Right to dispute notice not received
Complaint: Defendant gave debt to collection agency who could not verify debt and bowed out and deleted negative info. Defendant went ahead and acting as their own collection agency never contacted me per law put negative info on account XXXX/XXXX/2014. Ignored request for info and after 30 days per FCRA sent desist letter which they ignored. State of Florida requires all collection agencies etc to be licensed which they are not. All contact ignored.
Company Response: Company chooses not to provide a public response Closed with explanation

Disputed: Yes Timely Response

2015-11-13

San Francisco, CA

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

2015-11-05

Glendale, CA

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

2015-11-04

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

2015-11-04

Mount Olive, OH

Incorrect information on credit report

Credit reporting:

Information is not mine
Complaint: This collection does not belong to me, some one else used.
Company Response: Company chooses not to provide a public response Closed with explanation

Disputed: No Timely Response

2015-10-26

Naperville, IL

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

2015-10-22

Bryan, TX

Disclosure verification of debt

Debt collection: Credit card

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

Disputed: Yes Timely Response

2015-10-22

Lockhart, FL

Cont'd attempts collect debt not owed

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

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

Disputed: No Timely Response

2015-10-22

San Jacinto, CA

False statements or representation

Debt collection: Credit card

Impersonated an attorney or official
Complaint: Hi, I had a financial situacion on XXXX and I owned {$1700.00} to XXXX XXXX I couldn'n pay because I loose my job. The bank made a charge off on XXXX XXXX. After that CACH , LLC AND XXXX ; opened a judgment case # XXXX and they order a earning withholding. I already pay the amount of {$3500.00} and the last withdrawal was on XXXX XXXX XXXX. Until this date they have n't report to my credit file that I already pay the full amount. This situation is affecting to my credit record because I tried to buy a house and the lender wants the information about the case. Please can you help me with this matter? I already called both companies. CACH LLC told me that XXXX XXXX XXXX needs to send the information to the Credit Bureau. XXXX sent to me to CACH LLC.because they do n't have information about this.
Company Response: Company chooses not to provide a public response Closed with explanation

Disputed: No Timely Response

2015-10-22

PA

Improper contact or sharing of info

Debt collection: Credit card

Talked to a third party about my debt
Complaint: CACH holding has not contacted me in the 2 years of debt that I have owed them. I have not received a single phone call or letter from this agency. My credit report shows " criminal activity '' and other key issues that are currently denying me from receiving an auto loan. I have been trying to resolve this issue for over a year, with extreme persistence through the last month. I have not been able to find any contact information about this holding company and my current debt is affecting my ability to acquire a loan for a car that, due to my location of residency, I desperately need in order to continue to remain employed. I need this issue to be resolved this week.
Company Response: Company chooses not to provide a public response Closed with explanation

Disputed: No Timely Response

2015-10-16

Columbia, SC

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 monetary relief

Disputed: No Timely Response