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Address: 2921 Brown Trl Ste 100, Bedford, Texas, United States, 76021-4174
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I leased a new phone from *** in April 2017. The device was returned less than 24 hours later. In February 2020, a collections account totaling $771 with Complete Credit Solutions appeared on my credit report for said *** account. I disputed the collections account with all three credit bureaus, the collections agency, and ***. None of the companies said they could do anything so I filed a consumer complaint with the Office of the Attorney General of *** against ***. *** responded to the complaint stating they had "determined that their retail partner did not process the return of my device correctly which caused the system not to receive the proper updates that would have indicated the device was returned, and would have triggered the closing of my account with a balance of $0." They stated "To remedy this situation they had recalled my account from the debt collection agency and once the process was complete, the account would be removed from my credit report." The process could take as much as 30 days. I received this response 75 days ago. I emailed a representative of *** on July 31st and again August 13th and they stated they were trying to get in touch with the collections agency. Nothing else has come from it.
Ft. Worth Revdex.com Complaint
Response 9.11.2020Complete
Credit Solutions, Inc. (CCS) purchased a large file of charged off consumer
debt originated by *** on February 18, 2020. Included in this
purchase was the outstanding balance owed by ***. Our
records indicate CCS has not received any disputes from the three credit
reporting agencies via ***. In addition, CCS has not received any letters
from *** disputing the debt. This is the first communication we have
received from *** regarding this debt. In
order for CCS to remove our trade-line we are requesting *** to
provide CCS with copied of his letter to the Attorney General of *** and
the response provided from ***. This information can be emailed to *** or faxed to ***. Upon
receipt of this information, CCS will review the documents and remove any
reference regarding CCS from ***’s credit reports. If
you require any additional information, please contact *** at ***.
On April 21, 2020 I sent this company a debt validation letter in accordance with Fair Debt Collections Practices Act, 15USC 1692 Sec.809 (b). And asked to have it removed from all of my credit reports because original creditor's interest rates and loan terms were illegal. Original creditor has been sued and agreed to a settlement which includes loan cancellations. I sent paperwork to back this up as well. Complete Credit Solutions has not responded to by debt validation requests. Complete Credit Solutions is using unfair and deceptive mean to collect a debt that isn't owned to them and at this point is illegal.
Revdex.com Complaint Response 7.29.2020Complete
Credit Solutions, Inc. (CCS) purchased a large file of charged off consumer
debt originated by *** on April 4, 2018. Included in this purchase was
the outstanding and delinquent debt owed by ***. Our
records indicate this account was originated online through *** on March
20, 2017. The original *** account
number is ***. The account was charged off by *** on July
30, 2017 and the amount charged was $631.98. The last payment date was April 3,
2017 and the last payment amount was $98.83 (see attachment A).With
regards to the class action settlement CCS has been advised that the settlement
only affects specific account owned by *** as of December 31, 2019
(see attachment B paragraph 5, “a loan forgiveness and credit reporting removal”).
It is our recommendation that *** contact *** recovery
department to verify this account was not owned by *** as of
December 31, 2019.On
April 27, 2020, CCS did receive *** certified letter requesting debt
validation and information regarding the class action lawsuit (see attachment
C). CCS did not respond to this letter
since we had already sent *** our original debt validation letter on
April 14, 2019. In addition CCS responded to *** disputes filed by ***
*** on May 14, 2019 and December 27, 2019 (see attachment D). I would also like to point out all three
letters were sent to the same address listed in *** complaint filed
with your office. In
an effort to show cooperation with your office, I would like to offer ***
*** an opportunity to satisfy this outstanding debt for $300. This amount
represents the original amount loaned to *** on March 20, 2017 and
deposited into her Wells Fargo Bank checking account. This amount represents 47% discount on the
current amount owed. In addition, CCS will
delete our trade-line from all three Credit Reporting Agencies as requested. This offer is time bared and payment must be
received on or before August 31, 2020. If
you require any additional information, please contact ***.
Complaint: ***
I am rejecting this response because:
Regards
I have repeatedly disputed this collection debt for $340.00 from "original lender 12 HSN and this company has refused to provide any documentation that this debt belongs to me
I have no idea what 12 HSN is and this company refuses to remove off my credit report and at the same time has never provided and documentation that this debt belongs to me
Revdex.com Complaint Response 7.2.2020Complete Credit Solutions, Inc. (CCS) purchased a large file of charged off consumer debt originated by *** Bank on June 29, 2018. Included in this purchase was the outstanding and delinquent debt owed by ***. This account was originated online through *** Bank on August 15, 2014. The original *** (***) account number is ***. The charged-off date is April 9, 2015 and the outstanding balance owed is $340.63. On July 19, 2019 CCS received an electronic dispute from *** (Equifax) utilizing dispute code 1 “Not his/hers. Provide or confirm complete ID” (attachment A). On August 5, 2015 CCS responded to this dispute requesting documentation to support the ID theft claim (attachment B). At this time, the account was also flagged as disputed with all three credit reporting agencies. To date, CCS has not received a response to our letter. In addition, CCS has not had any additional communication with *** by phone, mail, email or via ***. In an effort to show cooperation with your office and attempt to resolve this matter with ***, we ask that he provide CCS with any written information to support his identity theft or fraud claim. As an option, I would like to offer *** an opportunity to satisfy this outstanding debt for $170. This amount represents a 50% discount on the current amount owed. In addition, we will report the debt as “Paid in Full” or remove our trade line from all three CBR’s. This offer is time bared and must be received on or before July 29, 2020. If you require any additional information, please contact *** at ***.
CCS purchased a fraudulent loan from *** and now they are refusing to remove it from my credit report. They do not have any proof or documentation to back up this loan. It is an obvious case of identity theft.
Revdex.com Complaint Responses 6.12.2020I am not sure why *** is making this
claim. When Complete Credit Solutions, Inc. (CCS) was first contacted by
him on May 18, 2020, he was advised what information was needed to investigate
his account to support his claim of identity theft and/or fraud. On May
19, 2020 CCS received an email from *** regarding the collection matter. On
that same day, I responded to *** by email and advised what information
was needed to investigate his complaint (see email thread Fraudulent Account
*** 6.9.20). One June 9, 2019 I reviewed the email and information
provided by ***. On that same day,
I responded to *** advising him that the account would be closed and our
trade-line would be removed from his credit report (see email thread Fraudulent
Account *** Final resp).I trust this information will satisfy the complaint
filed with the Revdex.com. I also feel this
complaint should be removed from our records as the delay in resolving this
matter in a more timely fashion was directly related to *** ability to
provide CCS with the required information to validate his claim.If you require any additional information, I
can be contacted at ***.
This company purchased a legal loan from ***. *** called me and told me that the loan was purchased back and retired. CCL has yet to try and remove it from credit report.
Revdex.com Complaint Response 5.12.2020The
account in questions was recalled by *** on April 30, 2020. A deletion request was submitted to all three
CRA requesting that the Complete Credit Solutions, Inc. trade-line to be
deleted from *** credit report (see attachment A)
I fall under this settlement action suite and it'S still on my credit report? SEE BELOW. My loan was open September 18, 2018
Thanks.
***
*** at *** (*** Help Desk)
Apr 15, 6:43 AM PDT
Dear ***,
Thank you for contacting us regarding your ***, loan origination date July 5, 2016. The Frequently Asked Questions below address most inquiries we have received from customers regarding the recent class action settlement involving ***.
Additional information on the settlement is available on the settlement administrator’s website: ***.***.
If you have questions that are not covered in the FAQ or on the settlement administrator’s website, please send them to ***, and use a subject line: “*** Settlement.”
Sincerely,
*** Help Team
***
***
***.***.com
FREQUENTLY ASKED QUESTIONS:
How does the settlement affect me?
*** has agreed to settle certain lawsuits involving loans made by *** in the past. It only affects loans that were made on or before October 31, 2018. The settlement has no impact on any loans made on or after November 1, 2018.
Although the settlement is subject to court approval and we can resume collecting payments if the court does not approve the settlement, you are not required to make any further payments to *** at this time if your loan is a part of the settlement.
If the settlement is approved and you do not opt-out, the balance on your eligible loan will be forgiven. We want to assure you that no negative credit reporting by *** will occur on your loan as a result of this settlement.
If the settlement is not approved, will I have to pay additional interest on my loan?
No. If the settlement is not approved and *** starts accepting payments again, you will only have to pay the balance as of January 31, 2020.
What if I don’t want to participate in the settlement?
As part of the settlement approval process, you will be notified about the terms of the settlement and how you can choose not to participate in the settlement. If you don’t want your balance to be forgiven, you can follow the opt-out instructions in the notice you will receive.
Probably not, but each loan is handled separately. If your other loan was originated on or after November 1, 2018, then it is not covered by the settlement, and you remain obligated to make payments on that loan.
Will you be refunding my payments on the loan(s)?
The settlement agreement includes cash payments for certain class members. As part of the settlement approval process, you will be notified about the terms of the settlement. A settlement administrator will provide additional information on your eligibility for a cash payment or other consideration. Additional information is available on the settlement administrator’s website: ***.***.
Am I eligible for a new loan?
This settlement will not impact your ability to obtain new credit from ***.
I never took out this loan.
If you did not take out the loan and suspect that you may have been the victim of identity theft, please send an email with your name and phone number to ***, and use a subject line: “Identity Theft.”
Tell us why here...*** Revdex.com Complaint Response 5.12.2020Complete
Credit Solutions, Inc. (CCS) purchased a large file of charged off consumer
debt originated by *** on September 18, 2018. Included in this
purchase was the outstanding and delinquent debt owed by ***. Our
records indicate this account was originated online through *** on July
6, 2016. The original *** account
number is ***. The account was charged off by *** on
November 24, 2016 and the amount charged was $1,230.78. With
regards to the class action settlement CCS has been advised that settlement
only affects specific account owned by *** as of December 31, 2019
(see attachment A paragraph 5, “a loan forgiveness and credit reporting removal”).
More importantly, the class action settlement has not been approved by the
court at this time. The hearing date was
originally scheduled for June 30, 2020 (see attachment A paragraph 10).
However, the closures of the court due to COVID-19 concerns has delayed the
hearing date and there is no anticipated date for the settlement to be approved
or denied by the court. On
April 13, 2020, *** contacted our office regarding his account. At that
time he requested information regarding his account. During that conversation, he stated he was
going to pay the full balance owed and need his CCSI account number to do
so. That is the last communication we
have had with ***. In
an effort to show cooperation with your office, I would like to offer Anthony
Hodges an opportunity to satisfy this outstanding debt for $600. This amount
represents the original amount loaned to *** on July 6, 2016 and
deposited into his *** Bank checking account. This amount represents 50% discount on the
current amount owed. In addition, we
will report the debt as “Paid in Full” to all three CBR’s. This offer is time bared and must be received
on or before May 31, 2020. If
you require any additional information, please contact ***.
I am rejecting this response because: SEE BELOW
YOUR ACCESS CODE IS ***
FROM ***:
We will add the unit number to your address.
You do not need to do anything right now. If you are entitled to a cash payment, the amount of your check will depend on the state in which you resided when you took out the loan and that state’s legal rate of interest, whether or not you repaid the original amount you borrowed and the amount you paid on the loan. You will only get a proportionate share of the recovery because the total in settlement funds available likely will be insufficient to pay everyone a full refund.
________________________________________
***
Thank you so much.
On January 10, 2020. A collection for general acceptance popped into credit report. I have not dealt with this company since 2011. This issue with this company was resolved before the company went under. I'm not sure why this got replaced on my credit report. But I would like this to be taken off. This was removed from my credit report years ago and now its back. I dont have anymore paperwork that deals with this company. It has been over 9 years ago. I would really like this taken off my credit report. I'm not at liberty to pay anymore money for something that was resolved years ago.
Revdex.com Complaint Response 5.12.2020Complete
Credit Solutions, Inc. (CCS) purchased a large file of charged off consumer
debt originated by *** on January 10, 2020. Included
in this purchase was the outstanding and delinquent debt owed by ***. Our
records indicate this account was originated through *** on
July 19, 2013. The agreed upon loan
amount was $$17,665.48. The repayment schedule was 104 bi-weekly payments of $157.12
starting on October 12, 2013 and ending on September 23, 2017. (see attachment
A). Our
Records also indicate the collateralized vehicle was repossessed by General Acceptance,
LLC and notification of the right to cure was sent
to *** by USPS Certified Mail on March 24, 2014 (see attachment B).
The collateralized vehicle was sold at auction and a full explanation of deficiency
was mailed to *** on June 26, 2014 (see attachment C). The loan was
charge off by *** on June 27, 2014.On
February 18, 2020 CCS received a dispute from Experian through ***. CCS
responded to an electronic dispute through *** reflecting Dispute Code 1: “23
claims account closed” (attachment D). A dispute response letter was mailed to
*** on February 27, 2020 but no additional information has been
received from that request.To
date, we have had no direct communication with *** by phone regarding
the account. In an effort to show
cooperation with your office, I would like to offer *** an
opportunity to satisfy this outstanding debt for $1,600. This amount represents
an 80% discount on the current amount owed. In addition, we will report the debt as “Paid in Full” to all three
CBR’s. This offer is time bared and must
be received on or before May 31, 2020. If
you require any additional information, please contact
This company has added a collection to my credit bureau account without cause. The account in question was paid in full over a year ago when I canceled a service with ***. I have already explained this to their people and instead of verifying with ***, they submitted to the credit bureau. Now with the Covid 19 situation, they turned it over this week and no one is answering their phones to try and resolve it.
Ft. Worth Revdex.com Complaint
Response 5.12.2020The *** account in question was settled with
*** on April 13, 2020 for $133. This represents 50% of the outstanding balance that was originally owed. As agreed, Complete Credit Solutions, Inc. (CCS)
provided *** a satisfaction letter (see attachment A) and submitted a
deletion request to all three CRA’s (see attachment B). I am not sure what else we can do for *** at this time. I trust his complaint
will be removed since CCS discounted the amount owed by 50% and held up our end
of the agreement.
Revdex.com:
I have reviewed the response made by the business in reference to complaint ID, and find that this resolution is satisfactory to me.
Regards
This place keeps calling my work threatening to sue me, recall my boss and he would come to my job and serve me papers I told him to bring them and he kept changing his story. O he needs Permission to come to my job, but doesn't need it to call and harrass me at work and my co workers dealing with his rude self. I told him to stop calling then a lady started. That account was charged off my account in 2015, they opened it on my report in oct 2018. It is 5 years old. They calling my son cell phone harrassing him about me while he is at work. Now how would they know his number and not mine or my address to come serve me instead of my work.
Calling from different phone numbers. Using 1 800 numbers or using them call free apps. I have auto and pics of the numbers and voice of them calling my work
The last time our office had any communication with April F was on December 4, 2019. I am not sure why she is writing a negative review about Complete Credit Solutions, Inc. but I trust you will remove her comments from your website ASAP. Pleas confirm once the comments have been removed.
Acct *** Original creditor: *** Opened: 01/01/2020
$3918.00
Terms: 1 month Balanced updated: 03/11/2020
This account was recently added to me credit report, which isn’t mines. It includes information that doesn’t belong to me. I’ve never heard nor dealt with either companies before.
This account violates the FCRA
Ft. Worth Revdex.com Complaint
Response 5.6.2020Complete
Credit Solutions, Inc. (CCS) purchased a large file of charged off consumer
debt originated by O *** on January 20, 2020. Included in this purchase
was the outstanding and delinquent debt owed by ***. Our
records indicate this account was originated on 12/11/2014 through *** (see attachment A). The original *** account number is ***. The agreed upon 24
month lease required a down payment of $261.08 and 23 monthly payments of
$176.08 (see attachment B). On
March 15, 2020 CCS received an electronic dispute through *** (Equifax)
reflecting Dispute Code 1: “Not his/hers. Provide or confirm complete ID.”
(attachment C). In addition to
confirming the information provided through the dispute, CCS mailed our ***
dispute response letter (attachment D) to the last known address and the
address provide by *** through her *** dispute. At that time, the account
was also flagged as disputed with all three credit reporting agencies. To
date, we have had no direct communication with *** by telephone or
mail. In an effort to show cooperation
with your office and attempt to resolve this matter with ***, I would like
to achieve a mutual agreement that will be beneficial for both parties.
Provided an agreement can be reached, CCS will report the debt as “Paid in
Full” to all three CBR’s. If
you require any additional information, please contact
This company has placed an illegal entry on my credit report without providing requested documentation/proof that this account is mine to owe per the requirements of the Federal Debt Collection Practices Act (FDCPA). Also, per the FDCPA as well as the debt collection laws in both the states of Maryland and Texas, they are not licensed to practice activity as a debt collector. What they are doing is illegal and detrimental to my credit and well being. I have sent them letters requesting that they stop their illegal activity and close the account that they claim is mine.
Complete Credit Solutions, Inc. (CCS) purchased a large file of charged off consumer debt originated by *** on *anuary 31, 2019. Included in this purchase was the outstanding and delinquent debt owed by ***.
Our records indicate this account was originated online through *** on November 26, 2016. The original *** account number is ***. The agreed upon loan amount was $2,696.48. The repayment schedule was 16 bi-weekly payments of $168.53 starting on December 16, 2016 and ending on August 1, 2017. These funds were deposited into *** checking account XXXXX*** (see attachment A).
Our Records also indicate this account was charged off on March 16, 2017 and the charged off balance owed is $1,891.79 (see attachment B).
On August 9, 2019 CCS responded to an electronic dispute through EOSCAR (Trans Union) reflecting Dispute Code 1: “Not his/hers. Provide or confirm complete ID.” In addition to confirming the information provided through the disputes, CCS mailed our EOSCAR dispute response letter (attachment C) to the updated address provide by *** through the EOSCAR disputes. On September 6, 2019 CCS received fax response from *** indicating he is disputing the debt but did not provide any additional information to support his dispute (attachment D). At that time, the account was also flagged as disputed with all three credit reporting agencies.
To date, we have had no direct communication with *** by phone regarding his account. He has contacted us by email on August 21, 2019. We received a second email on September 6, 2019. We responded to both emails utilizing our dispute validation letters via USPS (see attachments D and E).
In an effort to show cooperation with your office, I would like to offer *** an opportunity to satisfy this outstanding debt for $950. This amount represents a 50% discount on the current amount owed. In addition, we will report the debt as “Paid in Full” to all three CBR’s. This offer is time bared and must be received on or before December 15, 2019.
If you require any additional information, please contact *** at *** X ***.
I was a victim of identity theft and some one opened several accounts in my name. I called the police and filed a report. I wrote the FTC and filed a complaint. I contacted the credit bureau and the accounts were removed. Earlier this year one of the accounts somehow was purchased by CCS and reported again. I contacted the bureau and disputed the account again. The company CCS came back stating that it's verified to be my account. I forwarded a copy of the police report and the FTC filing. CCS completely ignored this and refused to provide any information confirming the positive identification that the account is mines. This company should be investigated for fraud itself.
CCS Account # ***
Consumer Protection Finance Bureau web portal response 10.1.2019
The account in question was purchased by Complete Credit Solution, Inc. (CCS) on January 31, 2019. The original creditor is *** and the account was originated at *** account number is *** (see attachment A).
Our first communication with *** was a dispute submitted through Equifax via EOSCAR. On that same day CCS mailed our EOSCOR dispute response letter (see attachment B).
Our next communication with *** was on September 24, 2019. At that time she advised she was submitting a police report and FTC fraud affidavit. Those documents were received on September 25, 2019. On that same day, *** contacted CCS requesting the original documentation from ***. She also stated *** had closed the account as fraud. During that conversation we advised *** that CCS would need a letter from *** stating the account was fraud.
On September 30,2019 *** contact CCS and advised that *** will not provide a letter stating the account was closed due to fraud. She then asked to speak with a manager regarding the matter. On that same day, *** spoke to *** in detail regarding the account. During that conversation *** and *** established a mutual agreement that would be beneficial for both parties to resolve the matter. The agreement was put into writing and submitted to *** for review. It is our understanding that this matter will be resolved with *** on October 4, 2019.
I received a notification a debt had been added to my credit report at which time unfamiliar I disputed. I then also received a letter in the mail at which time I contacted the company directly and verified all of my information. The person I spoke with was *** he was very rude and persistent in tryin gto get me to make a payment. I advised *** I didn't want to make any payment or statement until I received a copy of the original documentation. He states due to my request if he provided the documentation they would no longer be able to negotiate and I would need to submit my request in writing. I did so in writing and via faxed this conversation took place at 11:21am approximately 12:31pm I received notification the company had created a hard inquiry on my report. I contacted the company back requested a manager whom happen to be *** I ask him about the hard inquiry. He states he wanted to verify some information I asked which information given I had verified my name address social at the onset of our 1st call. He couldn't advised what the actual cause was I believe this was done in retaliation to not making a payment and requesting the original contract. There was no justification in the inquire however my credit score is being affected and this will remain for 2 years. *** was being malicious I advised him I was not comfortable making payments on anything im not familiar with and don't have documentation of.
Complete Credit Solutions, Inc. (CCS) purchased a large file of charged off consumer debt originated by *** on April 4, 2019. Included in this purchase was the outstanding and delinquent debt owed by ***.
Our records indicate this account was originated online through *** on February 21, 2017. The original *** account number is ***. The agreed upon loan amount that was deposited into *** was $800. The only payment made towards this loan was $355.79 on March 3, 2017. The account was charged off on June 15, 2017 and the charged off balance owed is $1,296.
On May 23, 2019 CCS received an electronic dispute through *** (Experian) reflecting Dispute Code 1: “Not his/hers. Provide or confirm complete ID.” (attachment A). In addition to confirming the information provided through the dispute, CCS mailed the first notice (attachment B) and our *** dispute response letter (attachment C) to the last known address and the address provide by *** through her *** dispute. At that time, the account was also flagged as disputed with all three credit reporting agencies.
On the morning of May 30, 2019 CCS received an inbound call from *** requesting a copy of the loan document originated by ***. I explained to her that information must be requested in writing. I also questioned her about what part of the outstanding debt she was disputing. She refused to answer that question or confirm her current address. I also explained to her once the documentation has been ordered from ***, I will no longer have the ability to negotiate a settlement on the delinquent account. After she terminated the call, I requested an Experian credit report to verify certain information regarding the *** account. On that same day CCS received a second inbound phone call from ***. She was upset that a credit report inquiry had been ran by CCS. I tried to tell her I am more than willing to help her resolve this debt but she terminated the call again. I then scheduled a dispute validation letter (attachment D) that was mailed to same address on May 31.2019.
On May 31, 2019 we received a fax letter from *** requesting the original loan documents from ***. On that same date, the request for documentation was submitted to the upstream seller. This type of request can take up to 60 days to be processed and received.
In an effort to show cooperation with your office and attempt to resolve this matter with ***, I would like to achieve a mutual agreement that will be beneficial for both parties. Provided an agreement can be reached, CCS will report the debt as “Paid in Full” to all three CBR’s and remove the CCS credit inquiry from *** Experian credit report.
If you require any additional information, please contact ***.
Complaint: ***
I am rejecting this response because:
Regards,
***
The information provided is not accurate his statement was I pulled you credit report because I can. My response was because you couldn’t strong arm me into a payment. I advised him that I was experimenting some fraud from my ex spouse which did include a payday from a separate company in that case I requested the documentation made the payment and persued my ex spouse which I intern planned on doing in this circumstance. The mannerism on the CCS representative is being translate far differently
I have repeatedly asked for proof of supposed debt, including a fax they sent me to dispute this and they do not send me anything. I have filed disputed with all credit unions and they will not remove. Until I have proof I want this off my credit report to show validity.
Complete Credit Solutions, Inc. (CCS) purchased a large file of charged off consumer debt originated by *** on January 31, 2019. Included in this purchase was the outstanding and delinquent debt owed by ***.
Our records indicate this account was originated online through *** on September 27, 2016. The original *** account number is ***. The agreed upon loan amount was $1,459.77. The repayment schedule was 13 bi-weekly payments of $112.29 starting on October 6, 2016 and ending on March 23, 2017 (see attachment A).
Our records also indicate *** only made 3 of the 13 scheduled payments. The account was charged off on February 15, 2017 and the charged off balance owed is $1,179.11 (attachment B).
On March 16, 2019 CCS responded to an electronic dispute through EOSCAR (Experian and Trans Union) reflecting Dispute Code 1: “Not his/hers. Provide or confirm complete ID.” In addition to confirming the information provided through the disputes, CCS mailed the first notice (attachment C) and our EOSCAR dispute response letter (attachment D) to the last known address and the address provide by *** through her EOSCAR disputes. On March 27, 2019 we received fax response from *** indicating she is disputing the debt but did not provide any additional information to support her dispute (attachment E). At that time, the account was also flagged as disputed with all three credit reporting agencies.
To date, we have had no direct communication with *** by phone. Other than that, all her correspondence with our office has been through a third party (EOSCAR) or fax. That makes it very difficult to convey an agreement that will benefit both parties. In an effort to show cooperation with your office and attempt to resolve this matter with ***, I would like to offer her an opportunity to satisfy this outstanding debt for $650. This amount represents a 45% discount on the current amount owed. In addition, we will report the debt as “Paid in Full” to all three CBR’s. This offer is time bared and must be received on or before July 20, 2019.
If you require any additional information, please contact *** at ***.
My first contact with Complete Credit Solutions was an email dated 02/26/19 from *** concerning a *** account that was transferred from CCS to them for collection. Shortly after CCS reported this account to all three credit bureaus. I have disputed with all three. I filed a complaint with the CFPB to no resolution. 1). *** is not licensed to lend in the state of Texas per the Texas Finance Code, nor are the licensed to charge interest per the Office of the Consumer Credit Commissioner. Per the Texas Attorney General's office, per this fact, their contracts are null and void and not enforceable in the state of Texas. 2). CCS responded to my CFPB complain with a contract from *** that does not even bear my signature. Additionally, CCS attached a First Contact letter, that was never received as the address on the letter is incorrect. I can provide a copy of the letter if needed showing the incorrect address. 3). If the account was sold to *** on 02/26/19, why is CCS reporting on my credit report as of 03/08/19? 4). Research with the Revdex.com shows that *** is being questioned as being a legitimate collection entity. Please note, I have filed a complaint against the original creditor *** as well. The reported balance to the collection agency is incorrect and the account should be settled in full.
Complete Credit Solutions, Inc. (CCS) purchased a large file of charged off consumer debt originated by *** on January 29, 2019. Included in this purchase was the outstanding and delinquent debt owed by ***. This account was originated online through *** on November 25, 2016. The original *** account number is ***. The charged-off is April 3, 2017 and the outstanding balance owed is $1,063.31.
On March 11, CCS responded to a similar complaint filed by *** through the CFPB (see attached). On March 15, 2019 we received an electronic dispute from *** (***). On April 3, 2019 we also received an electronic dispute from *** (***). On those same dates CCS responded to the three disputes. At this time, the account was also flagged as disputed with all three credit reporting agencies.
To date, we have had no communication with *** by phone or mail. He did submit a complaint by email. Other than that, all his correspondence with our office has been through a third party and makes it hard to convey an agreement that will benefit both parties. In an effort to show cooperation with your office and attempt to resolve this matter with *** I would like to offer him an opportunity to satisfy this outstanding debt for $500. This amount represents a 53% discount on the current amount owed. In addition, we will report the debt as “Paid in Full” or remove our trade line from all three CBR’s. This offer is time bared and must be received on or before July 7, 2019.
If you require any additional information, please contact *** at
According to FCRA, the agency has violated laws such as harassing calls, threatening of arrest, not able to provide the original signature with original contract after requesting company to validate debt. Also the original creditor *** is not license in the state of *** through *** Commissioners of Bank to provide loan therefore debt is not owed and needs to be removed from all three credit bureaus
Account # ***
*** Ft. Worth Revdex.com Complaint Response 3.25.2019
*** filed a similar complaint to the CFPB. Our response to her complaint your office will be the same.
The account in question was purchased by Complete Credit Solution, Inc. (***) on January 29, 2018. The original creditor is *** and the original account number is ***.
Our records indicate the agreement between *** and *** was executed on January 13, 2015. The amount of money received and financed by *** was $300. The money was deposited into *** account Number ***. The total amount *** agreed to repay *** was $662.10. The repayment schedule called for 15 bi-weekly payments in the amount of $44.14 starting on January 23, 2015 and ending on August 7, 2015 (see attachment A).
These records also indicate that *** did not make any of the scheduled payments. *** charged off this account on April 23, 2015 and the amount charged off was $591.31 (see attachment B).
As of this date, *** has had no communication with *** by phone or mail. She has submitted two separate electronic disputes through EOSCAR (Experian) stating the account has been paid in full (see attachment C and D). Upon receipt of her first electronic dispute, we verified through the upstream seller the account in question was not satisfied directly with ***.
To help resolve this matter in a timely fashion, we request that *** contact *** directly regarding her dispute so we can establish a mutual agreement that will be beneficial for both parties.
Complaint: ***
I am rejecting this response because:According to ***, *** is not licensed in *** to provide loans therefore debt is not owed and illegal loan was sold to debt collector of Complete Credit Solutions Inc and needs to be removed from all 3 credit reports in order to remove negative impact resulting in blocking of affordable living and purchase of home. Documents provided by Completed Credit Solutions does not include contract or signatures also stating draft.
Regards,
Lillian Barfield
Account # ***
*** Ft. Worth Revdex.com Complaint Response 3.25.2019
The electronic documents provided in the prior correspondence (attachment A & B) clearly identify the agreement between *** and ***. The legality issues referenced by *** are between *** and the ***. *** entered into an agreement with *** and as a result received $300. At no point has she denied receiving the $300 or claimed the loan was fraudulently opened her name. She simply failed to repay the loan for whatever reason and is now claiming the loan is illegal in her home state. If she knowingly entered into an illegal loan agreement with ***, then she violated the *** law as well.
Although I have submitted *** complaint to the upstream seller, I encourage *** to file her complaint directly with ***. They will have the final say in this matter. In the meantime, I have marked the account as disputed with all three CRA’s.
Complaint: ***
I am rejecting this response because:
This negative remarks are currently on my credit. Also the documents provided does not show a signature.
Regards
Complete Credit Solutions lodged a collections on my credit report in June, 2018. In November 2018, I got a letter, the first and only communication I ever received from them. They placed a collections in JUNE. They sent me a letter in NOVEMBER. I replied with a letter requesting validation of debt pursuant to the Fair Debt Collection Practices Act, 15 USC 1692g Sec. 809 (b).This was NOT a request for validation of the name and address of the original creditor listed on the debt, their ownership of said debt, or proof of my mailing address, but a request for Validation made pursuant to the above-named Title and Section. I requested they provide me with competent evidence that I have any legal obligation to pay a debt deemed to be both fraudulent and not mine by multiple entities ***luding the originating creditor, merchant listed on the collection account, and other debt collectors who noted it as fraud. I sent the letter 11/12/2018. I spoke to a rep via telephone on this matter as well and was assured I would receive a written reply in a matter of days. I did not. On 11/28/2018 they' validated 'via my transunion dispute and with the information I specifically requested NOT be used as proof as that info did not prove the debt to be valid and enforceable. On 3/11/2019 I received a letter from *** attempting to collect this debt FOR Complete CS. This is harassment--and they have never responded with the competent evidence I requested and so did not prove they had legal right to collect the debt--which is noted as fraudulent by the merchant listed on my credit reporting history the 'originating creditor' noted on the harassing collection letters, and other collection agencies. Nor did they delete the file from my credit report. The *** rep stated they could send me a fraud packet but it would just go back to CCs, and so I should 'just settle the debt'. it is not my debt, and the debt has been declared fraud. I am seeking legal counsel in the case that the fraudulent collections is not removed, at once, from my credit report.
Ft. Worth Revdex.com Complaint Response 3.25.2019
Complete Credit Solutions, Inc. (CCS) purchased a large file of charged off consumer debt originated by *** on June 29, 2018. Included in this purchase was the outstanding and delinquent debt owed by ***. This account was originated online through *** on October 1, 2014. The original *** account number is 995821089. The charged-off is May 11, 2015 and the outstanding balance owed is $501.53.
On November 7, 2018 we received an electronic dispute from *** (***) stating “*** removed this debt after I furnished proof of identity theft to them several years ago” (attachment A). On that same date CCS responded to this dispute requesting documentation to support the ID theft claim (attachment B). At this time, the account was also flagged as disputed with all three credit reporting agencies.
On November 12, 2018 *** contacted our office regarding her outstanding account. During the first call she was very upset and used vulgar language to express her concerns regarding the debt and her dispute. That call was terminated. We received a second call from *** and during that conversation we asked her to provide any documentation she has regarding the *** (***) stating the account was fraud. She advised she no longer had that information in her possession. There was no additional correspondence with *** by phone or mail since that date.
On February 27, 2019 *** account was placed with *** for collections. This was based on no additional communication with *** for 90 plus days.
On March 12, 2019 we received digital correspondence from *** advising the following: “I am seeking legal representation against you. I need some information to take along to my lawyer. I could, of course, simply look up the surety bond that I'm sure you filed a copy of with the Office of the Secretary of State. But I'd rather just not bother with that, especially as I intend to sue for loss of income as well as other things. I'd rather save my time, frankly, and I'm sure you would rather I did as well.” Upon receipt of this information, we responded to *** requesting that she has her attorney contact our office direct (attachment C). On that same date, we emailed *** requesting that they close the account and discontinue any additional communication with ***.
In an effort to show cooperation with your office and attempt to resolve this matter with ***, we ask that she provide us with any written information to support her identity theft claim. As an option, I would like to offer her an opportunity to satisfy this outstanding debt for $200. This amount represents a 60% discount on the current amount owed. In addition, we will report the debt as “Paid in Full” or remove our trade line from all three CBR’s. This offer is time bared and must be received on or before April 25, 2019.
If you require any additional information, please contact *** at ***.
Complaint: ***
I am rejecting this response because:
I sent to Complete Credit Solutions an earlier dated notice from ***. I got a new notice from them after being harrassed by ***. As you can see-- by the attachment-- *** has declared that I bear no responsibilities for the debt. Complete Credit Solutions was provided this same proof in November of 2018. *** is having it removed from my credit history-- as they did previously. I informed CCS of such during that phone call. I sent them the notice. I'm attaching it again. Here. I don't owe this debt. I'm not 'settling' a debt I don't owe and of which I have been absolved and for years.
Regards
Ft. Worth Revdex.com Complaint Response 3.25.2019
We are in receipt of the document reference in this correspondence and have submitter that information to the upstream seller. I have also spoken directly with *** regarding this matter.
Revdex.com:
I have reviewed the response made by the business in reference to complaint ID, and find that this resolution is satisfactory to me.
Regards
10/25/2018
I received a collection letter from Complete Credit Solutions, Inc. on a loan that I currently have and have paid up to date. They are stating that I owe $1,037.51 because my account is delinquent; when in reality, my account is current and I currently owe $687.81. The payments are drafted from my account.
I'm not sure why I received this letter or where they got my information, supposed account balance and supposed Account number.
The account in question was purchased by *** (***) 9/18/2018. The original creditor is *** and the original account number is ***. The letter referenced in the complaint was sent to *** to advise her that the account in question was purchased by ***.
I have attempted to contact *** by phone to discuss the matter in detail. I need to know if the original creditor is *** and if the original account number is same as referenced above.Once this information is made available, I will research the information with ***.
Complete Credit Solutions has reported collection account to credit bureau The account in question was entered with my Chapter 13 Bankruptcy which they are failing to acknowledge and remove from my credit report. The did not report to the credit bureau's until 2 months prior to my Chapter 13 discharge . I believe the bought and held the account to report once my chapter 13 was discharged intentionally to try collect after knowing the debt was under a chapter 13 bankruptcy.
Complete Credit Solutions, Inc. (CCS) purchased a large file of charged off consumer debt originated by *** on January 29, 2018. Included in this purchase was the outstanding and delinquent debt owed by ***. This account was originated online through *** on December 22, 2014, issued account number *** charged off on April 8, 2015 with an $893.61 outstanding balance owed.
With regards to *** comments regarding her bankruptcy, the case number issued was *** and the case was filed on April 24, 2013. As for the loan in question, the open/service date was December 22, 2014. This was twenty (20) months after *** bankruptcy filing. I also want to point out CCS purchased this account on January 29, 2018. That is almost five (5) years after her bankruptcy filing date.
On July 16, 2018 our office was contacted by *** regarding her outstanding account. At that time she told our office she would like to make payment towards the debt. We advised her to contact our collection agency *** at *** to set up a repayment arrangement. Per my conversation with *** this morning, they have not received a call from ***.
In an effort to show cooperation with your office and attempt to resolve this matter with ***, I would like to offer her an opportunity to satisfy this outstanding debt for $600. This amount represents a 37% discount on the current amount owed. In addition, we will report the debt as “Paid in Full” to all three CBR’s. This offer is time bared and must be received on or before August 31, 2018.
If you require any additional information, please contact *** at