|
11364282
|
2025-01-04
|
False statements or representation
|
Debt collection
|
|
| Issue |
False statements or representation
|
| Timely |
Yes
|
| Company |
Bull City Financial Solutions, Inc
|
| Product |
Debt collection
|
| Sub Issue |
Attempted to collect wrong amount
|
| Sub Product |
Other debt
|
| Date Received |
2025-01-04
|
| Submitted Via |
Web
|
| Company Response |
Closed with explanation
|
| Consumer Disputed |
N/A
|
| Date Sent To Company |
2025-01-04
|
|
|
3411747
|
2019-10-20
|
Incorrect information on your report
|
Credit reporting, credit repair services, or other personal consumer reports
|
|
| Issue |
Incorrect information on your report
|
| Timely |
Yes
|
| Company |
Bull City Financial Solutions, Inc
|
| Product |
Credit reporting, credit repair services, or other personal consumer reports
|
| Sub Issue |
Information belongs to someone else
|
| Sub Product |
Credit reporting
|
| Date Received |
2019-10-20
|
| Submitted Via |
Web
|
| Company Response |
Closed with explanation
|
| Consumer Disputed |
N/A
|
| Date Sent To Company |
2019-10-20
|
| Complaint What Happened |
I logged onto my credit monitoring site and there are a few fraudulent accounts that's on my credit report.
|
| Consumer Consent Provided |
Consent provided
|
|
|
2838307
|
2018-03-09
|
Problem with a credit reporting company's investigation into an existing problem
|
Credit reporting, credit repair services, or other personal consumer reports
|
|
| Issue |
Problem with a credit reporting company's investigation into an existing problem
|
| Timely |
No
|
| Company |
Bull City Financial Solutions, Inc
|
| Product |
Credit reporting, credit repair services, or other personal consumer reports
|
| Sub Issue |
Their investigation did not fix an error on your report
|
| Sub Product |
Credit reporting
|
| Date Received |
2018-03-09
|
| Submitted Via |
Web
|
| Company Response |
Closed with explanation
|
| Consumer Disputed |
N/A
|
| Date Sent To Company |
2018-03-09
|
| Complaint What Happened |
I contacted all three credit bureaus regarding unverified debt appearing on my credit report. I sent a individual letters to each bureau asking for verification of debt regarding my credit report and score. On XX/XX/2017 I sent these letters with certified mail and the letters were received by each bureau. The letters simply stated that this debt verified and proof of documentation to be presented within 30 days. If not simply stated the following : Under the FCRA 15 U.S.C. 1681i, all unverified accounts must be promptly deleted. Therefore, if you are unable to provide me with a copy of the verifiable proof that you have on file for each of the accounts listed below within 30 days of receipt of this letter then you must remove these accounts from my credit report.
XXXX has yet to remove this debt from my credit reports which is adversly affecting my credit score and credit worthiness.
|
| Consumer Consent Provided |
Consent provided
|
|
|
2237341
|
2016-12-06
|
Disclosure verification of debt
|
Debt collection
|
|
| Issue |
Disclosure verification of debt
|
| Timely |
Yes
|
| Company |
Bull City Financial Solutions, Inc
|
| Product |
Debt collection
|
| Sub Issue |
Right to dispute notice not received
|
| Sub Product |
Medical
|
| Date Received |
2016-12-06
|
| Submitted Via |
Web
|
| Company Response |
Closed with explanation
|
| Consumer Disputed |
Yes
|
| Date Sent To Company |
2016-12-06
|
| Complaint What Happened |
Never notified about this account not mine fraud. Mailed letter disputing account 30 days ago and no response.They have place it on my credit report and need this removed it fraud.
|
| Consumer Consent Provided |
Consent provided
|
|
|
8365335
|
2024-02-18
|
Improper use of your report
|
Credit reporting or other personal consumer reports
|
|
| Issue |
Improper use of your report
|
| Timely |
Yes
|
| Company |
Bull City Financial Solutions, Inc
|
| Product |
Credit reporting or other personal consumer reports
|
| Sub Issue |
Credit inquiries on your report that you don't recognize
|
| Sub Product |
Credit reporting
|
| Date Received |
2024-02-18
|
| Submitted Via |
Web
|
| Company Response |
Closed with explanation
|
| Consumer Disputed |
N/A
|
| Date Sent To Company |
2024-02-18
|
| Complaint What Happened |
i recieved an unknown collections to my credit report with no knowledge or communication there was an open debt from this company. The original creditor is also a company i have never used or heard of.
The company is BULL CITY FINANCIAL SOLU
|
| Consumer Consent Provided |
Consent provided
|
|
|
8674176
|
2024-04-02
|
Attempts to collect debt not owed
|
Debt collection
|
|
| Issue |
Attempts to collect debt not owed
|
| Timely |
Yes
|
| Company |
Bull City Financial Solutions, Inc
|
| Product |
Debt collection
|
| Sub Issue |
Debt was paid
|
| Sub Product |
Medical debt
|
| Date Received |
2024-04-02
|
| Submitted Via |
Web
|
| Company Response |
Closed with explanation
|
| Consumer Disputed |
N/A
|
| Date Sent To Company |
2024-04-02
|
| Complaint What Happened |
On XX/XX/XXXX, I received a bill from a collections agency - Bull City Financial Solutions , Inc, for an XXXX ride I had in the summer of XXXX, for {$2000.00}. The XXXX ride was with XXXX XXXX. This bill had been paid in full by my insurance ( attachment A ). I responded and sent a reply back using their form on XX/XX/XXXX, disputing this ( attachment B ). However, I received another statement that was identical to the first.
This time, I disputed the debt, writing a letter asking them to stop contacting me, and including the insurance statement. My letter is from XX/XX/XXXX ( attachment C ), and they received it via certified mail on XX/XX/XXXX ( attachment D ). However, in another letter signed XX/XX/XXXX, they continue to contact me about this debt that was fully paid ( XXXX ), violating my request to stop contacting me, and continuing to bill me for a debt that is not mine.
|
| Consumer Consent Provided |
Consent provided
|
|
|
7435174
|
2023-08-21
|
Written notification about debt
|
Debt collection
|
|
| Issue |
Written notification about debt
|
| Timely |
Yes
|
| Company |
Bull City Financial Solutions, Inc
|
| Product |
Debt collection
|
| Sub Issue |
Didn't receive notice of right to dispute
|
| Sub Product |
Other debt
|
| Date Received |
2023-08-21
|
| Submitted Via |
Web
|
| Company Response |
Closed with explanation
|
| Consumer Disputed |
N/A
|
| Date Sent To Company |
2023-10-02
|
| Complaint What Happened |
The person is committing fraud I do not have a account with bull energy
|
| Consumer Consent Provided |
Consent provided
|
|
|
9757774
|
2024-08-09
|
Attempts to collect debt not owed
|
Debt collection
|
|
| Issue |
Attempts to collect debt not owed
|
| Timely |
Yes
|
| Company |
Bull City Financial Solutions, Inc
|
| Product |
Debt collection
|
| Sub Issue |
Debt is not yours
|
| Sub Product |
Other debt
|
| Date Received |
2024-08-09
|
| Submitted Via |
Web
|
| Company Response |
Closed with explanation
|
| Consumer Disputed |
N/A
|
| Date Sent To Company |
2024-08-09
|
| Consumer Consent Provided |
Other
|
|
|
2341893
|
2017-02-13
|
Cont'd attempts collect debt not owed
|
Debt collection
|
|
| Issue |
Cont'd attempts collect debt not owed
|
| Timely |
Yes
|
| Company |
Bull City Financial Solutions, Inc
|
| Product |
Debt collection
|
| Sub Issue |
Debt is not mine
|
| Sub Product |
I do not know
|
| Date Received |
2017-02-13
|
| Submitted Via |
Web
|
| Company Response |
Closed with explanation
|
| Consumer Disputed |
No
|
| Date Sent To Company |
2017-02-13
|
| Consumer Consent Provided |
Consent not provided
|
|
|
8228731
|
2024-01-26
|
Took or threatened to take negative or legal action
|
Debt collection
|
|
| Issue |
Took or threatened to take negative or legal action
|
| Timely |
Yes
|
| Company |
Bull City Financial Solutions, Inc
|
| Product |
Debt collection
|
| Sub Issue |
Threatened or suggested your credit would be damaged
|
| Sub Product |
Other debt
|
| Date Received |
2024-01-26
|
| Submitted Via |
Web
|
| Company Response |
Closed with explanation
|
| Consumer Disputed |
N/A
|
| Date Sent To Company |
2024-01-26
|
| Complaint What Happened |
XX/XX/ Dear BULLCITY FINANCIAL SOLO Per the fcra I am now opting out of any and all authorization I the consumer may have given you, written unwritten verbal and nin verbal per 15 usc6802.
|
| Consumer Consent Provided |
Consent provided
|
|
|
4577982
|
2021-07-27
|
Attempts to collect debt not owed
|
Debt collection
|
|
| Issue |
Attempts to collect debt not owed
|
| Timely |
Yes
|
| Company |
Bull City Financial Solutions, Inc
|
| Product |
Debt collection
|
| Sub Issue |
Debt is not yours
|
| Sub Product |
Other debt
|
| Date Received |
2021-07-27
|
| Submitted Via |
Web
|
| Company Response |
Closed with explanation
|
| Consumer Disputed |
N/A
|
| Date Sent To Company |
2021-08-18
|
| Consumer Consent Provided |
Consent not provided
|
|
|
9154718
|
2024-06-01
|
Attempts to collect debt not owed
|
Debt collection
|
|
| Issue |
Attempts to collect debt not owed
|
| Timely |
Yes
|
| Company |
Bull City Financial Solutions, Inc
|
| Product |
Debt collection
|
| Sub Issue |
Debt was result of identity theft
|
| Sub Product |
Other debt
|
| Date Received |
2024-06-01
|
| Submitted Via |
Web
|
| Company Response |
Closed with explanation
|
| Consumer Disputed |
N/A
|
| Date Sent To Company |
2024-06-01
|
| Complaint What Happened |
I recently reviewed a copy of my credit report and noticed that there was fradulent accounts on my report. Please remove these accounts off my report, they are hindering my ability to obtain credit.
|
| Consumer Consent Provided |
Consent provided
|
|
|
2966336
|
2018-07-18
|
Attempts to collect debt not owed
|
Debt collection
|
|
| Issue |
Attempts to collect debt not owed
|
| Timely |
No
|
| Company |
Bull City Financial Solutions, Inc
|
| Product |
Debt collection
|
| Sub Issue |
Debt is not yours
|
| Sub Product |
Other debt
|
| Date Received |
2018-07-18
|
| Submitted Via |
Web
|
| Company Response |
Closed with explanation
|
| Consumer Disputed |
N/A
|
| Date Sent To Company |
2018-07-18
|
| Complaint What Happened |
On XX/XX/2018 i sent a certified letter thru USPS to BullCity Financial Solutions XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, NC XXXX requesting validation of an alleged debt in the amount of {$1100.00} that they are reporting on my credit profile. The certified letter was received on XX/XX/2018 at their reception desk per USPS tracking number XXXX and as of today XX/XX/2018 I have not received the requested information and the derogatory item still remains on my credit report. I have disputed this invalid item several times as it is not my account, and it's erroneous reporting to the Credit Bureau { s }, has a highly negative impact on my personal credit report and is affecting my credit worthiness. I understand that pursuant to the Fair Debt Collection Practices Act, 15 USC 1692g Sec. 809 { b }, i have the right to dispute their claim and request validation of the alleged debt. I also understand that under law they have 30 days from receipt of the letter to verify this item, and that failure to do so within the 30-day period constitutes reason to immediately delete this item from my credit report. { FCRA 15 U.SC. section 1681 ( 5 ) ( A ). Attached is a copy of the letter that i sent to BullCity Financial SolutionXXXX requesting the information that I'm entitled to which I've never received and this along with the inaccurate reporting to my credit file is a direct violation of the Fair Credit Reporting Act, violation of the Fair Debt Collection Practices Act, and defamation of character. I am demanding that this negative item be removed and stop reporting to the Credit Bureau { s } immediately.
|
| Consumer Consent Provided |
Consent provided
|
|
|
744015
|
2014-03-05
|
Disclosure verification of debt
|
Debt collection
|
|
| Issue |
Disclosure verification of debt
|
| Timely |
Yes
|
| Company |
Bull City Financial Solutions, Inc
|
| Product |
Debt collection
|
| Sub Issue |
Not disclosed as an attempt to collect
|
| Sub Product |
Medical
|
| Date Received |
2014-03-05
|
| Submitted Via |
Web
|
| Company Response |
Closed
|
| Consumer Disputed |
No
|
| Date Sent To Company |
2014-03-04
|
| Consumer Consent Provided |
N/A
|
|
|
6898176
|
2023-04-28
|
Attempts to collect debt not owed
|
Debt collection
|
|
| Issue |
Attempts to collect debt not owed
|
| Timely |
Yes
|
| Company |
Bull City Financial Solutions, Inc
|
| Product |
Debt collection
|
| Sub Issue |
Debt is not yours
|
| Sub Product |
Other debt
|
| Date Received |
2023-04-28
|
| Submitted Via |
Web
|
| Company Response |
Closed with explanation
|
| Consumer Disputed |
N/A
|
| Date Sent To Company |
2023-04-28
|
| Complaint What Happened |
I check my credit score and it shows a negative account on my credit score. But I don't know anything about that account. I wasn't living in Florida that year.
|
| Consumer Consent Provided |
Consent provided
|
|
|
4343852
|
2021-05-02
|
Attempts to collect debt not owed
|
Debt collection
|
|
| Issue |
Attempts to collect debt not owed
|
| Timely |
Yes
|
| Company |
Bull City Financial Solutions, Inc
|
| Product |
Debt collection
|
| Sub Issue |
Debt is not yours
|
| Sub Product |
I do not know
|
| Date Received |
2021-05-02
|
| Submitted Via |
Web
|
| Company Response |
Closed with explanation
|
| Consumer Disputed |
N/A
|
| Date Sent To Company |
2021-05-02
|
| Complaint What Happened |
I've sent out an Affidavit of Truth and Cease and Desist on XX/XX/2021.
The response was incorrect according to the law. I then proceeded to send a Notice of Default and Opportunity to Cure on XX/XX/2021, which has been ignored.
BULL CITY FINANCIAL SOLUTIONS , INC, is in violation of laws listed under the FDCPA.
The law also states An affidavit unrebutted stands as Truth.
Affidavit uncontested unrequited unanswered ( United States v. Kis, 658 F2d 526, 536 ( 7th Cir,1981 ) ; Cert. Denied, 50 U.S. L. W. 2169 ; S. Ct. March 22,1982 ) " Allegations in affidavit in support of motion must be considered as true in absence of counter- affidavit. '' ( Group v. Finletter, 108 F. Supp. 327 Federal case of Group v Finketter, 109 F. Supp. 327 ) An Affidavit uncontested unrebutted unanswered, Morris v. National Cash Register, 44 S.W. 2d 433 Morris v. National Cash Register, 44 S.W. 2d 433, clearly states at point # 4 that " uncontested allegations in affidavit must be accepted as true ''
|
| Consumer Consent Provided |
Consent provided
|
|
|
2497761
|
2017-05-31
|
Attempts to collect debt not owed
|
Debt collection
|
|
| Issue |
Attempts to collect debt not owed
|
| Timely |
Yes
|
| Company |
Bull City Financial Solutions, Inc
|
| Product |
Debt collection
|
| Sub Issue |
Debt is not yours
|
| Sub Product |
I do not know
|
| Date Received |
2017-05-31
|
| Submitted Via |
Web
|
| Company Response |
Closed with explanation
|
| Consumer Disputed |
N/A
|
| Date Sent To Company |
2017-05-31
|
| Consumer Consent Provided |
Consent not provided
|
|
|
2336376
|
2017-02-09
|
False statements or representation
|
Debt collection
|
|
| Issue |
False statements or representation
|
| Timely |
Yes
|
| Company |
Bull City Financial Solutions, Inc
|
| Product |
Debt collection
|
| Sub Issue |
Attempted to collect wrong amount
|
| Sub Product |
Medical
|
| Date Received |
2017-02-09
|
| Submitted Via |
Web
|
| Company Response |
Closed with explanation
|
| Consumer Disputed |
No
|
| Date Sent To Company |
2017-02-09
|
| Complaint What Happened |
Accusing us of living in a closed state, thus excusing them of responsibilities of sending us itemized debts owed, a phantom cost of {$300.00} is being reported that we owe them. They are not giving information and refuse to send anything to us. We 've faithfully paid every medical bill, but they are harassing us about this.
|
| Consumer Consent Provided |
Consent provided
|
|
|
4681794
|
2021-09-01
|
Written notification about debt
|
Debt collection
|
|
| Issue |
Written notification about debt
|
| Timely |
Yes
|
| Company |
Bull City Financial Solutions, Inc
|
| Product |
Debt collection
|
| Sub Issue |
Didn't receive notice of right to dispute
|
| Sub Product |
I do not know
|
| Date Received |
2021-09-01
|
| Submitted Via |
Web
|
| Company Response |
Closed with explanation
|
| Consumer Disputed |
N/A
|
| Date Sent To Company |
2021-09-01
|
| Consumer Consent Provided |
Consent not provided
|
|
|
1486408
|
2015-07-24
|
Communication tactics
|
Debt collection
|
|
| Issue |
Communication tactics
|
| Timely |
Yes
|
| Company |
Bull City Financial Solutions, Inc
|
| Product |
Debt collection
|
| Sub Issue |
Frequent or repeated calls
|
| Sub Product |
Other (i.e. phone, health club, etc.)
|
| Date Received |
2015-07-24
|
| Submitted Via |
Fax
|
| Company Response |
Closed
|
| Consumer Disputed |
No
|
| Date Sent To Company |
2015-07-30
|
| Consumer Consent Provided |
N/A
|
|
|
8770473
|
2024-04-14
|
Problem with a company's investigation into an existing problem
|
Credit reporting or other personal consumer reports
|
|
| Issue |
Problem with a company's investigation into an existing problem
|
| Timely |
Yes
|
| Company |
Bull City Financial Solutions, Inc
|
| Product |
Credit reporting or other personal consumer reports
|
| Sub Issue |
Their investigation did not fix an error on your report
|
| Sub Product |
Credit reporting
|
| Date Received |
2024-04-14
|
| Submitted Via |
Web
|
| Company Response |
Closed with explanation
|
| Consumer Disputed |
N/A
|
| Date Sent To Company |
2024-04-14
|
| Complaint What Happened |
On XX/XX/24 I informed Bull City Financial Solutions that they are not licensed to collect a debt in NY state and they informed me that they have a certificate of authority and upon my research they are mistaken.
" A Certificate of Authority is a basic registration requirement for businesses operating in New York State, but it does not grant them permission to engage in debt collection activities. Debt collectors in or outside New York State need to obtain a specific license from the Department of State, Division of Licensing Services, in addition to registering with the state.
Debt collectors must also obtain a license from the New York State Department of State, Division of Licensing Services, and comply with the New York State Debt Collection Act.
this is what it says on the NYS DCA 'The law that states debt collectors must comply with the New York State Debt Collection Act ( NYS DCA ) is New York State General Business Law, Article 29-H, Sections 601-612.
Specifically, Section 601 of the General Business Law states : " Debt collection agencies shall be subject to the provisions of this article and shall be required to obtain a license from the department of state before engaging in the business of debt collection in this state. '' This law requires debt collectors to register with the New York State Department of State, Division of Licensing Services, and comply with the regulations set forth in the NYS DCA, including obtaining a license, maintaining records, and following specific guidelines for debt collection practices.
It's important to note that the NYS DCA is a consumer protection law that aims to regulate debt collection activities in New York State and protect consumers from abusive and deceptivepractices.
he requirement for a debt collector to obtain a license, in addition to a Certificate of Authority, is stated in the New York State General Business Law, Article 29-H, Section 602 : " A debt collection agency shall not engage in the business of debt collection in this state without first obtaining a license from the department of state ... A certificate of authority issued pursuant to section 201 of the limited liability company law or section 303 of the partnership law shall not be deemed to be a license for purposes of this article. '' This section explicitly states that a Certificate of Authority, which is a basic registration requirement for businesses in New York State, is not sufficient for debt collectors. They must obtain a separate license from the Department of State, Division of Licensing Services, in order to legally collect debts in the state.
So, while a Certificate of Authority is necessary for a debt collector to operate in New York State, it is not enough on its own to allow them to collect debts. They must also obtain the requiredlicense.
if they do not have a license then this is illegal debt collection practice.
I also submitted proof on the attachments that shows bull city financial is not licensed in New York state.
|
| Consumer Consent Provided |
Consent provided
|
|
|
8734970
|
2024-04-09
|
Problem with a company's investigation into an existing problem
|
Credit reporting or other personal consumer reports
|
|
| Issue |
Problem with a company's investigation into an existing problem
|
| Timely |
Yes
|
| Company |
Bull City Financial Solutions, Inc
|
| Product |
Credit reporting or other personal consumer reports
|
| Sub Issue |
Their investigation did not fix an error on your report
|
| Sub Product |
Credit reporting
|
| Date Received |
2024-04-09
|
| Submitted Via |
Web
|
| Company Response |
Closed with explanation
|
| Consumer Disputed |
N/A
|
| Date Sent To Company |
2024-04-09
|
| Complaint What Happened |
i informed bull city financial that they are not licenced or bonded to collect a debt in ny state in which bull city financial reponded " Bull City Financial Solutions has conducted research. Validation of the debt from the original creditor has been sent to the consumer at the address Bull City Financial Solutions has on file. The consumer is mistaken and NY state does not require a license. They do require a XXXX XXXX XXXX. Our COA # is XXXX since XX/XX/year>. Our Help Desk is available to assist consumers and XXXX be reached directly via telephone at XXXX. ".
UPON MY RESEARCH I FOUND OUT THAT BULL CITY IS REQUIRED TO HAVE A LICENSE to collect a debt ffrom a consumer that resides in NEW YORK STATE According to the New York State Department of State 's Division of Licensing Services, a debt collector from North Carolina ( or any other state ) must obtain a Certificate of Authority from New York State before attempting to collect a debt from a consumer who resides in New York State.
New York State General Business Law Section 601 requires that all debt collectors, including out-of-state collectors, register with the state and obtain a Certificate of Authority before engaging in debt collection activities with New York consumers.
If a debt collector from North Carolina tries to collect a debt from a New York State resident without obtaining the required Certificate of Authority, they may be in violation of New York State law. This could result in penalties, fines, and legal action.
The New York State General Business Law Section 601, Prohibited Practices, is located in Article 29-H, Debt Collection Procedures, of the New York General Business Law . It outlines the prohibited practices for debt collectors in New York, including simulating a law enforcement officer, attempting to collect unauthorized fees, disclosing false credit information, and harassingdebtors.
|
| Consumer Consent Provided |
Consent provided
|
|
|
8710853
|
2024-04-07
|
Problem with a company's investigation into an existing problem
|
Credit reporting or other personal consumer reports
|
|
| Issue |
Problem with a company's investigation into an existing problem
|
| Timely |
Yes
|
| Company |
Bull City Financial Solutions, Inc
|
| Product |
Credit reporting or other personal consumer reports
|
| Sub Issue |
Their investigation did not fix an error on your report
|
| Sub Product |
Credit reporting
|
| Date Received |
2024-04-07
|
| Submitted Via |
Web
|
| Company Response |
Closed with explanation
|
| Consumer Disputed |
N/A
|
| Date Sent To Company |
2024-04-07
|
| Complaint What Happened |
on XXXX XXXX i did a complaint and this is my third complaint that ive written and Bull city financial isn't following the law I informed them that they do not have no license to collect a debt in New York state and it doesn't matter that they got a license from a debt that they bought from the original creditor. they keep sending the same answers as such " Bull City Financial Solutions has conducted research. Validation of the debt from the original creditor has been sent to the consumer at the address Bull City Financial Solutions has on file.
Our Help Desk is available to assist consumers and may be reached directly via telephone at XXXX. '' now i am informing the CFPB that this CREDITOR is not registered to collect a debt in my state and they are hurting my credit.
|
| Consumer Consent Provided |
Consent provided
|
|
|
8678968
|
2024-04-03
|
Took or threatened to take negative or legal action
|
Debt collection
|
|
| Issue |
Took or threatened to take negative or legal action
|
| Timely |
Yes
|
| Company |
Bull City Financial Solutions, Inc
|
| Product |
Debt collection
|
| Sub Issue |
Threatened or suggested your credit would be damaged
|
| Sub Product |
Telecommunications debt
|
| Date Received |
2024-04-03
|
| Submitted Via |
Web
|
| Company Response |
Closed with explanation
|
| Consumer Disputed |
N/A
|
| Date Sent To Company |
2024-04-03
|
| Complaint What Happened |
I don't understand why BULL CITY FINANCIAL SOLUTIONS , INC is trying to collect a debt when they are not licensed and bonded in state of New York.
|
| Consumer Consent Provided |
Consent provided
|
|
|
8682910
|
2024-04-02
|
False statements or representation
|
Debt collection
|
|
| Issue |
False statements or representation
|
| Timely |
Yes
|
| Company |
Bull City Financial Solutions, Inc
|
| Product |
Debt collection
|
| Sub Issue |
Attempted to collect wrong amount
|
| Sub Product |
Medical debt
|
| Date Received |
2024-04-02
|
| Submitted Via |
Web
|
| Company Response |
Closed with explanation
|
| Consumer Disputed |
N/A
|
| Date Sent To Company |
2024-04-02
|
| Complaint What Happened |
Bull City Financial Inc. sent me a bill on XXXX for an ambulance ride that was paid for my insurance. I responded by requesting debt validation and refuting this ( details and attachments are provided in my separate complaint XXXX ).
I am filing a new complaint for a different reason because they are currently making fraudulent statements that I have been " paid '' by my insurance, which is incorrect. My insurance can confirm that no check has been deposited or cashed for this activity. Part of debt validation includes proving this debt is mine. The company has provided no evidence that the insurance paid me directly - only their assertion and another copy of the original bill. Furthermore, the company falsely stated in their reply that this was in reference to two accounts- the service billed is for the same ambulance ride on the same date, and the company is attempting to collect twice for one service. This is also fraudulent and illegal.
|
| Consumer Consent Provided |
Consent provided
|
|
|
8578084
|
2024-03-19
|
Improper use of your report
|
Credit reporting or other personal consumer reports
|
|
| Issue |
Improper use of your report
|
| Timely |
Yes
|
| Company |
Bull City Financial Solutions, Inc
|
| Product |
Credit reporting or other personal consumer reports
|
| Sub Issue |
Reporting company used your report improperly
|
| Sub Product |
Credit reporting
|
| Date Received |
2024-03-19
|
| Submitted Via |
Web
|
| Company Response |
Closed with explanation
|
| Consumer Disputed |
N/A
|
| Date Sent To Company |
2024-03-19
|
| Complaint What Happened |
According to the Fair Credit Reporting Act 15 USC 1681 section 602 a states " There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy. '' XXXX is a consumer reporting agencies and I am the Consumer. I have the right to make sure my private information isn't shared, which is backed by 15 USC 6801 which states " It is the policy of the Congress that each financial institution has an affirmative and continuing obligation to respect the privacy of its customers and to protect the security and confidentiality of those customers nonpublic personal information. '' BULL CITY FINANCIAL is a financial institution by definition under that title. 15 USC 1681 section 604 a section 2 states that " In general Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : in accordance with the written instructions of the consumer to whom it relates. '' BULL CITY FINANCIAL the financial institution and the Consumer reporting agency XXXX do not have my consent to furnish this information and they surely do not have my written consent. Any and all consent to XXXX, BULL CITY FINANCIAL whether it be verbal, non-verbal, written, implied or otherwise is revoked. 15 USC 6802 ( b ) ( c ) states that " A financial institution may not disclose nonpublic personal information to a nonaffiliated third party unless the consumer is given an explanation of how the consumer can exercise that nondisclosure option. '' ( Furnisher of information to credit agencies ) Never informed me of my right to exercise my nondisclosure option. Not only that 15 USC 1681C ( a ) ( 5 ) states '' Except as authorized under subsection ( b ), no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years. '' This account is an adverse item they are reporting again without my permission which is against the law. 15 U.S. Code 1681s2 ( A ) ( 1 ) A states " A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate. 15 U.S. Code 1681e states '' Every consumer reporting agency shall maintain reasonable procedures designed to avoid violations of section 1681c of this title and to limit the furnishing of consumer reports to the purposes listed under section 1681b of this title. XXXX are not maintaining reasonable procedures. Also 12 CFR 1016.7 states that " A consumer may exercise the right to opt out at any time. '' I am opting out of your reporting services.
|
| Consumer Consent Provided |
Consent provided
|
|
|
12666310
|
2025-03-26
|
Attempts to collect debt not owed
|
Debt collection
|
|
| Issue |
Attempts to collect debt not owed
|
| Timely |
Yes
|
| Company |
Bull City Financial Solutions, Inc
|
| Product |
Debt collection
|
| Sub Issue |
Debt is not yours
|
| Sub Product |
Other debt
|
| Date Received |
2025-03-26
|
| Submitted Via |
Web
|
| Company Response |
Closed with explanation
|
| Consumer Disputed |
N/A
|
| Date Sent To Company |
2025-03-26
|
|
