|
6271684
|
2022-12-02
|
Took or threatened to take negative or legal action
|
Debt collection
|
|
| Tags |
Older American
|
| Issue |
Took or threatened to take negative or legal action
|
| Timely |
Yes
|
| Company |
Paradigm Assets, LLC
|
| Product |
Debt collection
|
| Sub Issue |
Collected or attempted to collect exempt funds
|
| Sub Product |
Credit card debt
|
| Date Received |
2022-12-02
|
| Submitted Via |
Web
|
| Company Response |
Closed with explanation
|
| Consumer Disputed |
N/A
|
| Date Sent To Company |
2022-12-02
|
| Complaint What Happened |
Collection statute of limitation in XXXX is 3 years. The account can not be collected and should be closed. Presenting the account as open indicates collection is possible, but it is not. That shows deceit and is fraudulent. Said account can be reported as closed for up to 6 years. The claim of this wholly owned subsidiary has not been proven. Collector is to provide disclosure and not request XXXX research these companies to find out who is who.
15 U.S.C.1692e deceptive practices and fraud is what this collector is engaged in. They refuse to provide proof of who they are.
Original creditor has NEVER mentioned this company to me, and the company they said owned the debt is NOT the company reporting the debt or asking me for payment after almost 5 years.
|
| Consumer Consent Provided |
Consent provided
|
|
|
6059490
|
2022-10-06
|
Took or threatened to take negative or legal action
|
Debt collection
|
|
| Tags |
Older American
|
| Issue |
Took or threatened to take negative or legal action
|
| Timely |
Yes
|
| Company |
Paradigm Assets, LLC
|
| Product |
Debt collection
|
| Sub Issue |
Threatened to sue you for very old debt
|
| Sub Product |
Credit card debt
|
| Date Received |
2022-10-06
|
| Submitted Via |
Web
|
| Company Response |
Closed with explanation
|
| Consumer Disputed |
N/A
|
| Date Sent To Company |
2022-10-06
|
| Consumer Consent Provided |
Consent not provided
|
|
|
6257526
|
2022-11-29
|
Took or threatened to take negative or legal action
|
Debt collection
|
|
| Tags |
Older American
|
| Issue |
Took or threatened to take negative or legal action
|
| Timely |
Yes
|
| Company |
Paradigm Assets, LLC
|
| Product |
Debt collection
|
| Sub Issue |
Threatened to sue you for very old debt
|
| Sub Product |
Credit card debt
|
| Date Received |
2022-11-29
|
| Submitted Via |
Web
|
| Company Response |
Closed with explanation
|
| Consumer Disputed |
N/A
|
| Date Sent To Company |
2022-11-29
|
| Complaint What Happened |
The collection agency keeps referring to 15 U.S.C. Section 1692g of the Fair Debt Collection Practice Act, but according to 15 U.S.C. Section 1692e of the Fair Debt Collection Practice Act referencing false representation. Subsections 5, 8, and 14 reference 1 ) a threat to pursue a debt collection that you do not intend to, and can not collect, 2 ) continuing to report disputed information that you have not provided any clarification of your claim of a wholly owned subsidiary, and XXXX ) using a name other than the debt collector. I have repeatedly asked for clarification of all these different names and have not received anything except a letter from the original debtor that does not list this collector as owning the debt. JHPDE is not listed anywhere as owner of this debt. I again ask for proof of a wholly owned subsidiary.
XXXX didn't name JHPDE Financial 1, LLC anywhere in any correspondence.
|
| Consumer Consent Provided |
Consent provided
|
|
|
4593256
|
2021-08-02
|
Attempts to collect debt not owed
|
Debt collection
|
|
| Issue |
Attempts to collect debt not owed
|
| Timely |
Yes
|
| Company |
Paradigm Assets, LLC
|
| Product |
Debt collection
|
| Sub Issue |
Debt was result of identity theft
|
| Sub Product |
Credit card debt
|
| Date Received |
2021-08-02
|
| Submitted Via |
Web
|
| Company Response |
Closed with explanation
|
| Consumer Disputed |
N/A
|
| Date Sent To Company |
2021-08-02
|
| Complaint What Happened |
I am a victim of identity theft. The account was opened without my knowledge, consent or authority. I have no idea how the theft took place, nor do I have knowledge of the suspects. I did not receive any money, goods, or services as a result of the identity theft.
|
| Consumer Consent Provided |
Consent provided
|
|
|
4358623
|
2021-05-07
|
Attempts to collect debt not owed
|
Debt collection
|
|
| Issue |
Attempts to collect debt not owed
|
| Timely |
Yes
|
| Company |
Paradigm Assets, LLC
|
| Product |
Debt collection
|
| Sub Issue |
Debt was already discharged in bankruptcy and is no longer owed
|
| Sub Product |
Credit card debt
|
| Date Received |
2021-05-07
|
| Submitted Via |
Web
|
| Company Response |
Closed with explanation
|
| Consumer Disputed |
N/A
|
| Date Sent To Company |
2021-05-18
|
| Complaint What Happened |
This was a debt that was originally owed to XXXX XXXX, which was sold to a debt buyer Jhpde finance 1 XXXX back in XXXXThat company filed a lawsuit against me in XXXX and due to a divorce I had to filed a chapter XXXX bankruptcy in XX/XX/XXXX which was discharged in XXXX XXXX debt was included in that bankruptcy. My credit since has been great and has allowed me to rebuild myself. Then on XX/XX/XXXX I received a notification that i had a collection acct negative placed on my credit from Jhpde finance for {$1600.00} from original creditor XXXX XXXX. I checked all my bankruptcy papers to make sure it was included and found a letter " Notice of discontinuing of action '' file no.XXXX from the same Jhpde finance 1 llc regarding the same debt. They used attorneys XXXX XXXX XXXX XXXX. I have since contacted Jhpde finance on XX/XX/XXXX and spoke with rep from Jhpde finance and was advised that she saw that I did in fact file and wasn't sure why was placed now on credit and basically blew me off. I called back weds XX/XX/XXXX and spoke with another rep and was told the same thing and nothing they could do. I tried to dispute it with XXXX credit bureau, and after their investigation, Jhpde claimed was valid. So this will destroy my credit if this is allowed to stay on it. Please help me resolve this issue.
|
| Consumer Consent Provided |
Consent provided
|
|
|
4920087
|
2021-11-17
|
Attempts to collect debt not owed
|
Debt collection
|
|
| Issue |
Attempts to collect debt not owed
|
| Timely |
Yes
|
| Company |
Paradigm Assets, LLC
|
| Product |
Debt collection
|
| Sub Issue |
Debt is not yours
|
| Sub Product |
I do not know
|
| Date Received |
2021-11-17
|
| Submitted Via |
Web
|
| Company Response |
Closed with explanation
|
| Consumer Disputed |
N/A
|
| Date Sent To Company |
2021-11-17
|
| Complaint What Happened |
I am writing to alert the Consumer Financial Protection Bureau of a collections company that is violating my rights and not using proper communication methods when showing up on my credit report. I need the CFPB office to please look into my case. I have never had XXXX account in years and to be more specific I have never opened any account in years. This account has just popped up on my credit report without ever communicating to me. There was no written letter to me or calls to me so I can explain that they have the wrong person. They have recently just popped up on my credit report and I am not familiar with how they got my information or how they have my social security number. I do not owe this company and I Right now I am getting an alert on my credit karma and credit monitoring service saying my credit score has dropped tremendously. I can furnish the images of this alert showing the collections company. They are hurting me financially and this is a really big issue. To my understanding they must be compliant with laws and regulations that say they must write the consumer within days of the first communication. They are using my credit to communicate with me yet they NEVER wrote me before.. If they don't write me then how could send me a right to dispute or explain my rights? Please review the original paperwork for this account. I request they send me a copy of this information to my address. I also request the original contract signed showing my signature long with all other pages of the original agreement. I am suffering damages because of this error. I have been a victim of ID theft before and I monitor my financial affairs very closely. To me this seems like an instance of debt parking that I read about on the FTC website. The Federal Trade Commission has taken action against debt collection companies that allegedly placed bogus or highly questionable debts onto consumers credit reports to coerce them to pay the debts. They label this as DEBT PARKING. The Federal Trade Commission recently took action against a Missouri collection company and its owners, alleging that they collected more than {$24.00} XXXX from consumers, largely by placing bogus or highly questionable debts on their credit reports. The defendants used this illegal debt parking to coerce people to pay debts they didnt owe or didnt recognize, XXXX XXXX XXXX director of the F.T.C.s bureau of consumer protection , said in prepared remarks about the agencys settlement with the company, XXXX XXXX XXXX XXXX I DO NOT HAVE ANY BUSINESS RELATIONSHIP WITH THIS COMPANY and I am concerned they have unethicality acquired my information and they are acting unethically with their debt collections. There is a process in law that protects consumers from these illegal actions. This account is lowering my credit score and if I am declined for anything, I will seek financial remedy by talking to an fdcpa lawyer.
|
| Consumer Consent Provided |
Consent provided
|
|
|
9305603
|
2024-06-20
|
Attempts to collect debt not owed
|
Debt collection
|
|
| Issue |
Attempts to collect debt not owed
|
| Timely |
Yes
|
| Company |
Paradigm Assets, LLC
|
| Product |
Debt collection
|
| Sub Issue |
Debt is not yours
|
| Sub Product |
I do not know
|
| Date Received |
2024-06-20
|
| Submitted Via |
Web
|
| Company Response |
Closed with explanation
|
| Consumer Disputed |
N/A
|
| Date Sent To Company |
2024-06-20
|
| Consumer Consent Provided |
Consent not provided
|
|
|
4822998
|
2021-10-19
|
Attempts to collect debt not owed
|
Debt collection
|
|
| Issue |
Attempts to collect debt not owed
|
| Timely |
Yes
|
| Company |
Paradigm Assets, LLC
|
| Product |
Debt collection
|
| Sub Issue |
Debt is not yours
|
| Sub Product |
I do not know
|
| Date Received |
2021-10-19
|
| Submitted Via |
Web
|
| Company Response |
Closed with explanation
|
| Consumer Disputed |
N/A
|
| Date Sent To Company |
2021-10-19
|
| Consumer Consent Provided |
Consent not provided
|
|
|
6088955
|
2022-10-15
|
Incorrect information on your report
|
Credit reporting, credit repair services, or other personal consumer reports
|
|
| Tags |
Older American
|
| Issue |
Incorrect information on your report
|
| Timely |
Yes
|
| Company |
Paradigm Assets, LLC
|
| Product |
Credit reporting, credit repair services, or other personal consumer reports
|
| Sub Issue |
Public record information inaccurate
|
| Sub Product |
Credit reporting
|
| Date Received |
2022-10-15
|
| Submitted Via |
Web
|
| Company Response |
Closed with explanation
|
| Consumer Disputed |
N/A
|
| Date Sent To Company |
2022-10-15
|
| Complaint What Happened |
JHPDE Financial1 ; LLC is reporting debt on my credit report that they do not own. Original creditor informed me that this company DOES NOT own this debt. Its was purchased by another company, and that company is not pursing collections because its past the statute of limitations. I have notified this company several times.
They are submitting old documents to the credit bureaus as accurate. Its is not. CFPB has a copy of this letter from the original creditor to prove who owns the debt. It is not JHPDE Financial. Please remove the fraud from my account.
|
| Consumer Consent Provided |
Consent provided
|
|
|
5309367
|
2022-03-11
|
False statements or representation
|
Debt collection
|
|
| Issue |
False statements or representation
|
| Timely |
Yes
|
| Company |
Paradigm Assets, LLC
|
| Product |
Debt collection
|
| Sub Issue |
Attempted to collect wrong amount
|
| Sub Product |
Credit card debt
|
| Date Received |
2022-03-11
|
| Submitted Via |
Web
|
| Company Response |
Closed with explanation
|
| Consumer Disputed |
N/A
|
| Date Sent To Company |
2022-03-11
|
| Complaint What Happened |
On XX/XX/XXXX I contacted XXXX XXXX XXXX to settle a debt owed. They were supposed to charge me the XXXX to settle the debt but they charged me XXXX. I am extremely unhappy and the falsely represented himself and lied about the amount owed. And it has not been removed from my credit report. I have the settlement letter and proof of what they took out of my account.
|
| Consumer Consent Provided |
Consent provided
|
|
|
6349081
|
2022-12-21
|
Took or threatened to take negative or legal action
|
Debt collection
|
|
| Tags |
Older American
|
| Issue |
Took or threatened to take negative or legal action
|
| Timely |
Yes
|
| Company |
Paradigm Assets, LLC
|
| Product |
Debt collection
|
| Sub Issue |
Collected or attempted to collect exempt funds
|
| Sub Product |
Credit card debt
|
| Date Received |
2022-12-21
|
| Submitted Via |
Web
|
| Company Response |
Closed with explanation
|
| Consumer Disputed |
N/A
|
| Date Sent To Company |
2022-12-21
|
| Complaint What Happened |
On XX/XX/2022 the original creditor sent a letter stating they are not actively collecting the debt. Someone other than listed collector now owned the account, and that they were not collecting on the debt. On XX/XX/2022 the original creditor sent a letter stating the statute of limitations has passed, and again stated they were not collecting the debt. They did however ask me to send them money. They also said they were putting a statement on my credit report. I am against any statement on my credit report from entities with conflicting reporting practices. It's past the statute of limitations as they have acknowledged. Social Security income is exempt anyway. Account should be closed like the other XXXX account.
On XX/XX/2022 collection agency told the CFPB they have " closed the account and removed any associated credit reporting tradelines '' but they did not as of XX/XX/2022.
15 U.S.C. section 1692 ( e ) of the Fair Debt Collection Practices Act states the threat to collect a debt you have no intentions to collect is a violation. Close and remove tradeline as stated.
|
| Consumer Consent Provided |
Consent provided
|
|
|
6114523
|
2022-10-21
|
Incorrect information on your report
|
Credit reporting, credit repair services, or other personal consumer reports
|
|
| Issue |
Incorrect information on your report
|
| Timely |
Yes
|
| Company |
Paradigm Assets, LLC
|
| Product |
Credit reporting, credit repair services, or other personal consumer reports
|
| Sub Issue |
Information belongs to someone else
|
| Sub Product |
Credit reporting
|
| Date Received |
2022-10-21
|
| Submitted Via |
Web
|
| Company Response |
Closed with explanation
|
| Consumer Disputed |
N/A
|
| Date Sent To Company |
2022-10-21
|
| Complaint What Happened |
On my credit report theres a company ( JHPDE Collection agency ) reporting I owe money to XXXX XXXX, I never had any card or any Association with XXXX. Im not sure where this charge is coming from but I need them to remove & prove I owe any debts with my signature. I only come to find out about this company ( JHPDE Collection agency ) because I have a company ( XXXX ) working on my credit currently.
|
| Consumer Consent Provided |
Consent provided
|
|
|
5130858
|
2022-01-20
|
Incorrect information on your report
|
Credit reporting, credit repair services, or other personal consumer reports
|
|
| Issue |
Incorrect information on your report
|
| Timely |
Yes
|
| Company |
Paradigm Assets, LLC
|
| Product |
Credit reporting, credit repair services, or other personal consumer reports
|
| Sub Issue |
Information belongs to someone else
|
| Sub Product |
Credit reporting
|
| Date Received |
2022-01-20
|
| Submitted Via |
Web
|
| Company Response |
Closed with explanation
|
| Consumer Disputed |
N/A
|
| Date Sent To Company |
2022-01-20
|
| Consumer Consent Provided |
Consent not provided
|
|
|
4967857
|
2021-12-02
|
Written notification about debt
|
Debt collection
|
|
| Issue |
Written notification about debt
|
| Timely |
Yes
|
| Company |
Paradigm Assets, LLC
|
| Product |
Debt collection
|
| Sub Issue |
Didn't receive notice of right to dispute
|
| Sub Product |
Credit card debt
|
| Date Received |
2021-12-02
|
| Submitted Via |
Web
|
| Company Response |
Closed with explanation
|
| Consumer Disputed |
N/A
|
| Date Sent To Company |
2021-12-02
|
| Complaint What Happened |
Can not contact and has not issued me a validation of debt
|
| Consumer Consent Provided |
Consent provided
|
|
|
4392479
|
2021-05-20
|
Problem with a purchase shown on your statement
|
Credit card or prepaid card
|
|
| Issue |
Problem with a purchase shown on your statement
|
| Timely |
Yes
|
| Company |
Paradigm Assets, LLC
|
| Product |
Credit card or prepaid card
|
| Sub Issue |
Credit card company isn't resolving a dispute about a purchase on your statement
|
| Sub Product |
Store credit card
|
| Date Received |
2021-05-20
|
| Submitted Via |
Phone
|
| Company Response |
Closed with explanation
|
| Consumer Disputed |
N/A
|
| Date Sent To Company |
2021-05-20
|
| Consumer Consent Provided |
N/A
|
|
