Quick Answer: A consumer filed a CFPB complaint against Security Credit Services for attempting to collect a $1,700 debt they claim not to owe, leading to an identity theft report with the FTC. The consumer disputed the account with credit bureaus and requested debt validation after the collection appeared on their credit report from an unknown original creditor.
Date Received: 2018-10-10
Product: I do not know
Issue: Attempts to collect debt not owed
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Consumer Complaint: Company : Security Credit Services Amount : {$1700.00} Dispute Letter Send Out XX/XX/2018 Security Credit Services trying to collect on a debt I Do Not owe. I disputed this account immediately with the credit reporting bureaus in XX/XX/2018 as not mine. I only notice because it showed on my Credit Report. I have never heard of or know of Security Credit Services or the company affiliated with them such as XXXX and XXXX. Around XX/XX/2018 I was notified that Security Credit Services had reported on my credit reports and the original creditor was XXXX. I received a collection letter from XXXX showing XXXX XXXX XXXX as a Ceditor and claiming I owed the debt so I requested a Debt Validation to supply me with the original contract with my name on it. Security Credit Services and/ or XXXX XXXX, XXXX is ruining my credit and I am simply tired of having them re-selling this fraudulent debt to a third party debt collector. I have NO Knowledge of this debt and have never opened an account with XXXX and they are listing this fraudulent account as mine. I have since filed an Identity Theft report against this fraudulent account against XXXX XXXX , XXXX, Security Credit Services, and XXXX with the Federal Trade Commission.
Note : An attempt to contact Social Security Service by phone at ( XXXX ) XXXX was made on XX/XX/2018. Call was not answered and a message was left with the answer machine.
Company: Security Credit Services, LLC
State/Zip: CA 926XX
Company Response to Complaint: Closed with explanation
Was Company Response Timely: Yes
Did Consumer Dispute Company Response: N/A
Complaint ID: 3042629
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.
Know Your Rights: If a debt collector is contacting you, you have legal protections. See the complete list of FDCPA violations collectors commit most often. Use the free Debt Validation Letter Generator to demand proof of the debt, or check this collector’s complaint history with the Scam-O-Meter.
Dealing With Debt? Before you pay a collector, understand all your debt relief options — including ones the collector won’t tell you about. If the debt feels unmanageable, take the 2-minute bankruptcy quiz to see if the math favors a fresh start. Federal Reserve research shows filers recover faster than those who don’t file.
