Date Received: 2017-10-27T00:00:00
Product: Other debt
Issue: Attempts to collect debt not owed
Consumer Consent Provided to Share Complaint: Consent provided
Consumer Complaint: I received a letter from Diversified Consultants ; with regard to ( 2 ) collections. XXXX was XXXX and the other was XXXX XXXX XXXX. I reached out to XXXX asking what I needed to do to dispute these two items ; because they did not belong to me. The told me to send a letter to them stating the account numbers ; and the reason why I wanted to dispute the debt ( s ). I typed ( 2 ) separate letters ; and mailed them off separately on XXXX/XXXX/XXXX. I was under the impression that I would receive two letters from XXXX giving me the opportunity to explain why the debt did not belong to me. I never received those letters. On XXXX XXXX, XXXX, I received notification that a collection was added to my credit file ; from none other than Diversified Consultants. I called them and asked them if they received my letters and when I was going to receive something back from them ; the lady on the phone looks at the collections and says that the accounts have been closed. I explain to her that I received notification that the debts had been added to my credit file. She says she did n’t understand why. I explained to her the entire situation again ; she asked me to hold so she could ask her supervisor what happened. He got on the phone and told me that a fraud statement had been mailed to me. I told him that I did not receive the fraud notification and I wanted to be given a fair shot to dispute these charges. He proceeds to tell me that he checked my account and the notification I received from the credit bureau was a dispute notification. I checked and it was not ; it was an actual collection added to my file. I would like the opportunity to fairly dispute these collections because they did not belong to me. He told me not to worry about it and another fraud document would be mailed to me. I asked him ; would these collections remain on my account while this process is underway. I told him that the rep before him told me that the accounts were closed ; he agreed. He told me XXXX again XXXX that my alerts were not collections, they were disputes. I would like the opportunity to prove that these collections do not belong to me. The issue is ; if these accounts were closed ; why are they now on my credit profile. And number ( XXXX ) I would like to properly dispute these collections to have them removed. Please help!!!
Company: Diversified Consultants, Inc.
State/Zip: NC 275XX
Company Response to Complaint: Closed with explanation
Was Company Response Timely: Yes
Did Consumer Dispute Company Response: N/A
Complaint ID: 2713578
The above data is from the Consumer Financial Protection Bureau. Keep in mind that every company will get a complaint from time-to-time, even the great ones. But there are a few key data points that will give you an idea about how well the company values their customers and handles consumer issues.
Look at the item Company Response to Complaint: and Did Consumer Dispute Company Response: to get a better idea of how this was resolved. And the field Consumer Complaint: can give you some context of the issue.
In particular what you are looking for was that the company response was timely and that the consumer did not dispute it. The posting of complaints has proven to be a valuable resource for both companies and consumers.