Chapman Financial Services

Dear Mr***, In response to Mr [redacted] complaint, Chapman Financial Services has not used automated messaging in over yearsOur office searched our entire database and we are not able to locate the phone number that Mr [redacted] provided We recenetly learned from other individuals that automated messages are being left from an individual or entity claiming to be from "Chapman Financial" and are being asked to pay debts that may or may not be validIn Addition, Mr [redacted] , the individuals are not found in our database and are outside of our area The caller ID information that we are able to obtain from one of the individuals is a phone number that is not owned by our company and when we attempt to call the phone number, we receive an error message Chapman Financial Services has notified the FTC and also the Idaho Department of Finance of the fictitious calls that are being made If you have any questions, please do not hesitate to contact me Sincerely yours, Vinetta O***

In response to Mr [redacted] 's complaint, Chapman Financial Services received a ceasecommunication request on March 12, along with a request for validation of debt Our offices mailed validation to Mr [redacted] on April 8, and as a courtesy removedthe accounts from Mr [redacted] 's credit report The confirmation numbers of the deletion were # [redacted] , # [redacted] , and # [redacted] .No further communication has been made to Mr [redacted] nor any other party regarding thismatter If you have any questions, please do not hesitate to contact me.Sincerely yours, Vinetta O [redacted] Department

In response to Ms [redacted] 's complaint, Chapman Financial Services received an initialdispute from Ms [redacted] on March 28, Our client responded to Ms [redacted] 'sdispute by supplying a written response, a copy of the signed agreement, and anitemization of the chargesA copy of these items were mailed to Ms [redacted] on April 7, Chapman Financial Services received a second dispute from Mr [redacted] on April 25,and our office again supplied the dispute to our clientThe response that wereceived from our client still confirmed that the debt is validA copy of the response wasmailed to Ms [redacted] on May 5, 2016.Until Ms [redacted] no longer disputes the debt, the account it will continue to be reportedas a disputed account on her Trans Union and Equifax credit files.If you have any questions, please do not hesitate to contact me

Please see the attached response to complaint ID # [redacted] RE: ID # [redacted] Dear Mr. ***, In response to Mrs. [redacted] complaint, our records indicate that our office notified both TransUnion and Equifax that the account was paid in full on April15, 2015. Our office does not report with... Experian. As a courtesy to Mrs. [redacted] a request has been submitted to both TransUnion and Equifax to delete the account from her credit. The confirmation number that we received is # [redacted] . A deletion letter has also been mailed to Mrs. [redacted] . If you have any questions, please do not hesitate to contact me. Sincerely yours,

Please see the attached document.In response to [redacted] complaint, Chapman Financial Services charges interest at the rate of 12% per annum based on the principle balance owed.The following is a breakdown of the interest that was charged to [redacted] ***.? Days7/3/- 7/13/20177/13/- 8/18/2017? Daily Interest IntCharged9.30374137$ 15.17? Principle Balance Owed$ 1,786.08$ 786.08Interest Charged? The explanation that was originally provided to [redacted] was not explained properly, therefore, as a courtesy to [redacted] ***, Chapman Financial Services has requested $be returned to his cardPlease allow 7-days for the credit to be posted.Please feel free to contact me if I may be of further assistance

Dear Mr***,
In response to Mr*** complaint, Chapman Financial Services has not used automated messaging in over yearsOur office searched our entire database and we are not able to locate the phone number that Mr*** provided.
We recenetly learned from other individuals
that automated messages are being left from an individual or entity claiming to be from "Chapman Financial" and are being asked to pay debts that may or may not be validIn Addition, Mr***, the individuals are not found in our database and are outside of our area
The caller ID information that we are able to obtain from one of the individuals is a phone number that is not owned by our company and when we attempt to call the phone number, we receive an error message
Chapman Financial Services has notified the FTC and also the Idaho Department of Finance of the fictitious calls that are being made.
If you have any questions, please do not hesitate to contact me
Sincerely yours,
Vinetta O***

In response to Ms***' complaint, Ms*** entered into a contract with ouroffice on May 17, for the purpose of collecting her outstanding debts.Paragraph of said contract states the following: "Assignment of Accounts: Client, at itssole discretion, will turn over and assign
delinquent accounts to CollectorCollector shallprovide collection services on each account assigned by ClientClient warrants that eachaccount assigned to Collector has not been paid in full and is delinquentClient agreesthat each account is assigned the moment it is listed with collector, either throughelectronic or paper meansThe parties expressly agree that Collector is entitled to itscommission rate on all monies received by either Client or collector after an account hasbeen assigned to Collector."Ms*** accepted a settlement on one of the accounts that was assigned to our officein February and our office billed Ms*** per the sentenced underlined above.Ms*** has since resolved the outstanding invoice.Ms*** requested that her accounts be returned to her in May ofand our officecomplied with this request

Please see the attached response to complaint ID #***
RE: ID #*** Dear Mr***, In response to Mrs*** complaint, our records indicate that our office notified both TransUnion and Equifax that the account was paid in full on April15, Our office does not report with
ExperianAs a courtesy to Mrs*** a request has been submitted to both TransUnion and Equifax to delete the account from her creditThe confirmation number that we received is #***A deletion letter has also been mailed to Mrs***If you have any questions, please do not hesitate to contact meSincerely yours,

In response to Ms***'s complaint, Chapman Financial Services received an initialdispute from Ms*** on March 28, Our client responded to Ms***'sdispute by supplying a written response, a copy of the signed agreement, and anitemization of the chargesA copy of these items were
mailed to Ms*** on April 7,
Chapman Financial Services received a second dispute from Mr*** on April 25,and our office again supplied the dispute to our clientThe response that wereceived from our client still confirmed that the debt is validA copy of the response wasmailed to Ms*** on May 5, 2016.Until Ms*** no longer disputes the debt, the account it will continue to be reportedas a disputed account on her Trans Union and Equifax credit files.If you have any questions, please do not hesitate to contact me

In response to Mr***'s complaint, Chapman Financial Services received a ceasecommunication request on March 12, along with a request for validation of debt
Our offices mailed validation to Mr*** on April 8, and as a courtesy removedthe accounts from Mr***'s credit
report
The confirmation numbers of the deletion were #***, #***, and #***.No further communication has been made to Mr*** nor any other party regarding thismatter
If you have any questions, please do not hesitate to contact me.Sincerely yours,
Vinetta O*** Department

Please see the attached document.In response to *** *** complaint, Chapman Financial Services charges interest at the rate of 12% per annum based on the principle balance owed.The following is a breakdown of the interest that was charged to *** ***.? Days7/3/- 7/13/20177/13/-
8/18/2017? Daily Interest IntCharged9.30374137$ 15.17? Principle Balance Owed$ 1,786.08$ 786.08Interest Charged? The explanation that was originally provided to *** *** was not explained properly, therefore, as a courtesy to *** ***, Chapman Financial Services has requested $be returned to his cardPlease allow 7-days for the credit to be posted.Please feel free to contact me if I may be of further assistance

Dear Mr. [redacted],
In response to Mr. [redacted] complaint, Chapman Financial Services has not used automated messaging in over 2 years. Our office searched our entire database and we are not able to locate the phone number that Mr. [redacted] provided. 
We recenetly learned from other individuals...

that automated messages are being left from an individual or entity claiming to be from "Chapman Financial" and are being asked to pay debts that may or may not be valid. In Addition, Mr. [redacted], the individuals are not found in our database and are outside of our area.
The caller ID information that we are able to obtain from one of the individuals is a phone number that is not owned by our company and when we attempt to call the phone number, we receive an error message.
Chapman Financial Services has notified the FTC and also the Idaho Department of Finance of the fictitious calls that are being made. 
If you have any questions, please do not hesitate to contact me.
 
Sincerely yours,
Vinetta O[redacted]

Please see the attached response to complaint ID #[redacted]
RE: ID #[redacted] Dear Mr. [redacted], In response to Mrs. [redacted] complaint, our records indicate that our office notified both TransUnion and Equifax that the account was paid in full on April15, 2015. Our office does not report with...

Experian. As a courtesy to Mrs. [redacted] a request has been submitted to both TransUnion and Equifax to delete the account from her credit. The confirmation number that we received is #[redacted]. A deletion letter has also been mailed to Mrs. [redacted]. If you have any questions, please do not hesitate to contact me. Sincerely yours,

In response to Mr. [redacted]'s complaint, Chapman Financial Services received a ceasecommunication request on March 12, 2016 along with a request for validation of debt.
Our offices mailed validation to Mr. [redacted] on April 8, 2016 and as a courtesy removedthe accounts from Mr. [redacted]'s credit...

report.
The confirmation numbers of the deletion were #[redacted], #[redacted], and #[redacted].No further communication has been made to Mr. [redacted] nor any other party regarding thismatter.
If you have any questions, please do not hesitate to contact me.Sincerely yours,
Vinetta O[redacted] Department

In response to Ms. [redacted]'s complaint, Chapman Financial Services received an initialdispute from Ms. [redacted] on March 28, 2016. Our client responded to Ms. [redacted]'sdispute by supplying a written response, a copy of the signed agreement, and anitemization of the charges. A copy of these items were...

mailed to Ms. [redacted] on April 7,2016.
Chapman Financial Services received a second dispute from Mr. [redacted] on April 25,2016 and our office again supplied the dispute to our client. The response that wereceived from our client still confirmed that the debt is valid. A copy of the response wasmailed to Ms. [redacted] on May 5, 2016.Until Ms. [redacted] no longer disputes the debt, the account it will continue to be reportedas a disputed account on her Trans Union and Equifax credit files.If you have any questions, please do not hesitate to contact me.

This is the most unhanded, shady business I have ever had the misfortune of dealing with. They can not be trusted. We were led to believe we had reached a settlement, we were even told they would send us a copy of the agreement, so going to court would not be necessary, imagine my surprise when a week later we got a judgment against us, why? because we failed to appear in court. They tell you that if for some reason you can't make a payment please contact them and they will work with, what they don't tell you is they don't respond to e-mails even though it is listed as a way to contact them and as soon as you do ask them for help they file a motion to reinstate your garnishment. If you ever have to deal with this company get everything in writing and if you can get it on the record with the courts because they will screw you if they can.

This company is very unprofessional as well as its employees to the consumers they are collecting the debt from. I voluntary called to payoff my debt and I requested for a payoff letter to be faxed to me but in order to do that I have to fax them first. Now that does not make any sense if I just gave you my personal information over the phone to pay the debt then it should not be a problem for you to fax me a payoff letter with my verbal permission. Also, it should be automatically protocol to mail me out a payoff letter but I even had to ask for that to be done. But for that all I had to do was verbally them send me a payoff letter. They both should work the same way so this company need to shape up on their policies that doesn't make sense also stop stating that this call is recorded because if it is then you have my request recorded to send me a fax copy of my payoff.

Review: In Jan 2009 Chapman Financial received a default judgement against myself in the amount of $3,893. I filed for protection under chapter 13 bankruptcy in March of 2009 and included the Chapman Financial debt. The bankruptcy completed and was discharged in January 2013. All other creditors on my credit report have now accurately corrected their entries to show "discharged in bankruptcy" or removed them all together. After 2 phone contacts and one written request, Chapman still refuses to update the court that this judgement was dismissed in bankruptcy. And in fact on the phone stated "they dont have to". This company is reckless in handling peoples credit information and does not comply with the Federal Fair Credit Reporting Act which required collection agencies to update their accounts within 60 days of discharge of the debt in a completed bankruptcy. Further more, they either dont understand their responsibilities or are just playing dumb that they dont know what is required of them. I work in healthcare and I can tell you that if I was as reckless with my patients information, as they are with peoples credit reports, I would be in jail and fines thousands of dollars. I am also filing a complaint with the federal agency who enforces the FCRA and will retain an attorney to seek damages if this is not resolved immediately.Desired Settlement: Either update the judgement [redacted] with Kootenai county to reflect discharged in bankruptcy, satisfied, or remove from my credit report all together. The fine for each occurrence of a FCRA violation per federal guidelines is between $100-$1000. I will be fair and settle for $500 for my time and energy to get this resolved.

Business

Response:

Please see the attached letter that was sent to Mr. [redacted] today. He has been referred to his attorney to file the appropriate documents. In addition, judgments are public records and as such are placed on credit files by the credit repositories. Please feel free to contact this office, if I may be of further assistance to you in this matter.

Chapman Financial Services, Inc.

Consumer

Response:

I have reviewed the response made by the business in reference to complaint ID [redacted], and have determined that this does not resolve my complaint. For your reference, details of the offer I reviewed appear below.

Review: I have contacted Chapman Financial numerous times trying to get information on their claim against me as well as set up payment arrangements if I found the item legitimate. On these occasions they would not give me specific information on the debt, at which time they explained to me I needed to pay this debt in full. I was very shocked that a company would attempt to collect over $5,000 from me and not give me specific information on the debt and wouldn't even accept payment arrangements if the debt was found to be legitimate. They wanted my bank account information right on the spot and were very rude in asking for this. Then to my surprise, they printed my name in the paper saying that they were suing me on Dec. 24th 2013 and I have been waiting to be served papers and have not received them yet as of 1-4-2014. I intend to call the court house on Monday and see if a date has been set without me ever being notified. I was very embarrassed to find out from my mother that my name was in the paper, this has ruined my character within my family and my community as other people have called and wanted to know what is going on.Chapman Financial is impossible to deal with and are very unethical in their practices.Desired Settlement: I would like to see the original signed agreement for the debt and a balance on the account from zero to the present. If this is a debt owed I would like for these bullies to accept payment arrangements and produce a document showing the amount of money they paid to purchase this debt. I would like compensation for the embarrassment they caused me and a public apology in the newspaper.

Business

Response:

Please see attached.

This collection agency is borderline evil. I understand that they are required to collect a debt, but the tactics they use while speaking to their clients is downright wrong. The account manager, Rick, is rude and belittling. They were given on-time payments for my debt and randomly decided to increase my payments by 50%. There is no reasoning or fairness with this agency. They do not attempt to work with you. I am currently speaking to a lawyer now about the legality of their collection attempts.