|
8067115
|
2023-12-28
|
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 |
Webcollex, LLC
|
| 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 |
2023-12-28
|
| Submitted Via |
Web
|
| Company Response |
Closed with explanation
|
| Consumer Disputed |
N/A
|
| Date Sent To Company |
2023-12-28
|
| Complaint What Happened |
To whom it may concern, I am writing to inform you that CKS Financial has no legal authority to collect any debt from me in the state of New York. According to the XXXX XXXX XXXX XXXX ( XXXX ) Consumer Access website ( XXXX ), CKS Financial is not licensed or registered in New York as a debt collector, debt buyer, or any other type of financial service provider.
Therefore, I demand that you cease and desist from any and all attempts to contact me, my family, my employer, or any other third party regarding this alleged debt. I also demand that you remove any negative information that you have reported or may report to any credit bureau or credit reporting agency about me. I further demand that you restore any points that you have taken off my credit score as a result of your unlawful collection activities.
This is a violation of the Fair Debt Collection Practices Act, the New York Debt Collection Procedures Law, and any other applicable laws or regulations.
|
| Consumer Consent Provided |
Consent provided
|
|
|
4028732
|
2020-12-23
|
Incorrect information on your report
|
Credit reporting, credit repair services, or other personal consumer reports
|
|
| Issue |
Incorrect information on your report
|
| Timely |
Yes
|
| Company |
Webcollex, 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 |
2020-12-23
|
| Submitted Via |
Web
|
| Company Response |
Closed with explanation
|
| Consumer Disputed |
N/A
|
| Date Sent To Company |
2020-12-23
|
| Complaint What Happened |
On XXXX XXXX, 2020, CKS PRIME INVESTMENTS add a derogatory mark on my credit reports. Upon further research, this account was transferred /sold and I am no longer responsible for it. Debtor*s creditors did not verify this collection. Also there was no written form of communication, contract or signature for this account debt at all. A bill without signature does not validate the debt and anybody can send a bill and say it is mine. According to the FCRA CKS PRIME INVESTMENTS has violated my rights as a consumer and I requesting legal action to remove this account immediately.
|
| Consumer Consent Provided |
Consent provided
|
|
|
4518278
|
2021-07-06
|
Incorrect information on your report
|
Credit reporting, credit repair services, or other personal consumer reports
|
|
| Issue |
Incorrect information on your report
|
| Timely |
Yes
|
| Company |
Webcollex, 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 |
2021-07-06
|
| Submitted Via |
Web
|
| Company Response |
Closed with explanation
|
| Consumer Disputed |
N/A
|
| Date Sent To Company |
2021-07-06
|
| Complaint What Happened |
I've been disputing fraud accounts on my credit report since XX/XX/2021. I keep sending multiple sets of letters to the bureaus and the creditors so the excuse of " we didn't get it '' doesn't happen. Furthermore, each letter is certified mail with tracking and each letter shows signed and delivered and yet the bureaus are still not taking any actions. The accounts are not showing in dispute nor are they removed from my report. The accounts always show up with different name variations and different account number variations and yet the bureaus seem to ignore the trend and let these fraud accounts affect my credit score. I have requested the investigation to be initiated and also verifiable proof to be submitted should the account claim to be mine. Not only have I not received any mail showing the verifiable proofs needed to justify the accounts to be on my report, I haven't even received any letters at all stating the investigations have begun. Per the FCRA and federal law, the process is supposed to be 30 days. 60 days later, I'm still here shelling out money for certified mail with no end in sight and no results to show. This is my last option before I take this up with my lawyers and sue for full compensations and damages incurred. Finally, it seems that when these complaints are submitted, the bureaus are using the excuse that they " can't confirm my identity '' to get away with taking no actions on my credit report. Please investigate this as well.
|
| Consumer Consent Provided |
Consent provided
|
|
|
650301
|
2013-12-30
|
Cont'd attempts collect debt not owed
|
Debt collection
|
|
| Issue |
Cont'd attempts collect debt not owed
|
| Timely |
Yes
|
| Company |
Webcollex, LLC
|
| Product |
Debt collection
|
| Sub Issue |
Debt is not mine
|
| Sub Product |
I do not know
|
| Date Received |
2013-12-30
|
| Submitted Via |
Web
|
| Company Response |
Closed with explanation
|
| Consumer Disputed |
Yes
|
| Date Sent To Company |
2013-12-30
|
| Consumer Consent Provided |
N/A
|
|
|
5226717
|
2022-02-16
|
Communication tactics
|
Debt collection
|
|
| Tags |
Servicemember
|
| Issue |
Communication tactics
|
| Timely |
Yes
|
| Company |
Webcollex, LLC
|
| Product |
Debt collection
|
| Sub Issue |
Used obscene, profane, or other abusive language
|
| Sub Product |
Credit card debt
|
| Date Received |
2022-02-16
|
| Submitted Via |
Phone
|
| Company Response |
Closed with explanation
|
| Consumer Disputed |
N/A
|
| Date Sent To Company |
2022-03-04
|
| Consumer Consent Provided |
N/A
|
|
|
3483779
|
2020-01-02
|
Attempts to collect debt not owed
|
Debt collection
|
|
| Issue |
Attempts to collect debt not owed
|
| Timely |
Yes
|
| Company |
Webcollex, LLC
|
| Product |
Debt collection
|
| Sub Issue |
Debt was result of identity theft
|
| Sub Product |
Credit card debt
|
| Date Received |
2020-01-02
|
| Submitted Via |
Web
|
| Company Response |
Closed with explanation
|
| Consumer Disputed |
N/A
|
| Date Sent To Company |
2020-01-02
|
| Complaint What Happened |
I got an alert back in XX/XX/2019 from the credit bureaus saying that I had a collection added to my file? So I checked my report to find that a company name CKS Financial, put a collection on my account. No one from this company has ever contacted me before, no letters, no phone calls, nothing. ( So how are that putting information on your credit reports?? which is a clear violation of FCRA ). So I wrote them a letter from the information on my report, disputing this collection and asked for validation of this account with my signature because I have never open an account with XXXX XXXX XXXX XXXX XXXX visa or them. Now 4 months later and the account was never validated or no proof of ownership was supplied. All they do is send generic letter stating investigation was done and result show as listed on the account is correct? But were is the proof?? This is another clear violation of the FCRA.
I have been a victim of identity theft two times before, and had to fight to get all of the incorrect information off my reports. What someone did then was use a similar addresses to mine and the account in question is under one of those addresses. So I wrote CKS again all certified mail, telling them that the address they have for me is incorrect, also that I am a victim of identity theft and asked them for validation / send proof of ownership with my signature and still NOTHING!! This debt/ collection does NOT belong to me and need to be removed from my credit file with the credit bureaus ASAP. CKS needs to also send me a letter stating that they are CEASING all collection activities along with removing the collection off my credit report. This company CKS Financial is blatantly violating federal law and must be stopped!!
|
| Consumer Consent Provided |
Consent provided
|
|
|
6955627
|
2023-05-09
|
Attempts to collect debt not owed
|
Debt collection
|
|
| Issue |
Attempts to collect debt not owed
|
| Timely |
Yes
|
| Company |
Webcollex, LLC
|
| Product |
Debt collection
|
| Sub Issue |
Debt is not yours
|
| Sub Product |
I do not know
|
| Date Received |
2023-05-09
|
| Submitted Via |
Web
|
| Company Response |
Closed with explanation
|
| Consumer Disputed |
N/A
|
| Date Sent To Company |
2023-06-28
|
| Complaint What Happened |
This debt is not mine I notified to remove account
|
| Consumer Consent Provided |
Consent provided
|
|
|
787343
|
2014-03-31
|
Communication tactics
|
Debt collection
|
|
| Tags |
Older American
|
| Issue |
Communication tactics
|
| Timely |
Yes
|
| Company |
Webcollex, LLC
|
| Product |
Debt collection
|
| Sub Issue |
Frequent or repeated calls
|
| Sub Product |
Payday loan
|
| Date Received |
2014-03-31
|
| Submitted Via |
Web
|
| Company Response |
Closed with explanation
|
| Consumer Disputed |
No
|
| Date Sent To Company |
2014-03-31
|
| Consumer Consent Provided |
N/A
|
|
|
3485042
|
2020-01-04
|
Attempts to collect debt not owed
|
Debt collection
|
|
| Issue |
Attempts to collect debt not owed
|
| Timely |
Yes
|
| Company |
Webcollex, LLC
|
| Product |
Debt collection
|
| Sub Issue |
Debt was result of identity theft
|
| Sub Product |
I do not know
|
| Date Received |
2020-01-04
|
| Submitted Via |
Web
|
| Company Response |
Closed with explanation
|
| Consumer Disputed |
N/A
|
| Date Sent To Company |
2020-01-04
|
| Complaint What Happened |
The original account was a result of identity theft. I have disputed with CKS financial regarding this fraudulent account and therefore their fraudulent collection account.
|
| Consumer Consent Provided |
Consent provided
|
|
|
8878717
|
2024-04-29
|
Attempts to collect debt not owed
|
Debt collection
|
|
| Issue |
Attempts to collect debt not owed
|
| Timely |
No
|
| Company |
Webcollex, LLC
|
| Product |
Debt collection
|
| Sub Issue |
Debt is not yours
|
| Sub Product |
Credit card debt
|
| Date Received |
2024-04-29
|
| Submitted Via |
Web
|
| Company Response |
Untimely response
|
| Consumer Disputed |
N/A
|
| Date Sent To Company |
2024-04-29
|
| Complaint What Happened |
I don't recall having a contractual relationship with this collection company CKS Financial. Please give proof that this account belongs on my credit report and that my rights have not been infringed upon ; otherwise, terminate this account immediately. In compliance to 15 U.S. Code 1692e ( 6 ) Debt collectors are legally obligated to adhere to 15 U.S. Code 1692e ( 6 ), which forbids them from providing false information or insinuating inaccuracies about the nature, amount, or legal standing of a debt. It is against the law to make deceptive statements or misrepresentations concerning the debt being pursued for collection.
|
| Consumer Consent Provided |
Consent provided
|
|
|
2978582
|
2018-07-31
|
Communication tactics
|
Debt collection
|
|
| Issue |
Communication tactics
|
| Timely |
Yes
|
| Company |
Webcollex, LLC
|
| Product |
Debt collection
|
| Sub Issue |
Frequent or repeated calls
|
| Sub Product |
I do not know
|
| Date Received |
2018-07-31
|
| Submitted Via |
Web
|
| Company Response |
Closed with explanation
|
| Consumer Disputed |
N/A
|
| Date Sent To Company |
2018-07-31
|
| Consumer Consent Provided |
Consent not provided
|
|
|
4028593
|
2020-12-23
|
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 |
Yes
|
| Company |
Webcollex, LLC
|
| Product |
Credit reporting, credit repair services, or other personal consumer reports
|
| Sub Issue |
Investigation took more than 30 days
|
| Sub Product |
Credit reporting
|
| Date Received |
2020-12-23
|
| Submitted Via |
Web
|
| Company Response |
Closed with explanation
|
| Consumer Disputed |
N/A
|
| Date Sent To Company |
2020-12-23
|
| Consumer Consent Provided |
Consent not provided
|
|
|
4631300
|
2021-08-14
|
Took or threatened to take negative or legal action
|
Debt collection
|
|
| Issue |
Took or threatened to take negative or legal action
|
| Timely |
Yes
|
| Company |
Webcollex, LLC
|
| Product |
Debt collection
|
| Sub Issue |
Threatened or suggested your credit would be damaged
|
| Sub Product |
Other debt
|
| Date Received |
2021-08-14
|
| Submitted Via |
Web
|
| Company Response |
Closed with explanation
|
| Consumer Disputed |
N/A
|
| Date Sent To Company |
2021-09-01
|
| Complaint What Happened |
CSK FINANCIAL company I never have an agreement or signed and business with them. they obtain my personal information on a charged off personal debt and caused damage to my life because my credit score is my life.
|
| Consumer Consent Provided |
Consent provided
|
|
|
1776415
|
2016-02-06
|
Cont'd attempts collect debt not owed
|
Debt collection
|
|
| Issue |
Cont'd attempts collect debt not owed
|
| Timely |
Yes
|
| Company |
Webcollex, LLC
|
| Product |
Debt collection
|
| Sub Issue |
Debt is not mine
|
| Sub Product |
I do not know
|
| Date Received |
2016-02-06
|
| Submitted Via |
Web
|
| Company Response |
Closed with explanation
|
| Consumer Disputed |
No
|
| Date Sent To Company |
2016-02-06
|
| Complaint What Happened |
I do n't owe this. Please send copy of contract & statements
|
| Consumer Consent Provided |
Consent provided
|
|
|
3517037
|
2020-02-01
|
Communication tactics
|
Debt collection
|
|
| Tags |
Servicemember
|
| Issue |
Communication tactics
|
| Timely |
Yes
|
| Company |
Webcollex, LLC
|
| Product |
Debt collection
|
| Sub Issue |
Frequent or repeated calls
|
| Sub Product |
Payday loan debt
|
| Date Received |
2020-02-01
|
| Submitted Via |
Web
|
| Company Response |
Closed with explanation
|
| Consumer Disputed |
N/A
|
| Date Sent To Company |
2020-02-01
|
| Consumer Consent Provided |
Consent not provided
|
|
|
3988244
|
2020-12-03
|
Attempts to collect debt not owed
|
Debt collection
|
|
| Issue |
Attempts to collect debt not owed
|
| Timely |
Yes
|
| Company |
Webcollex, LLC
|
| Product |
Debt collection
|
| Sub Issue |
Debt is not yours
|
| Sub Product |
Credit card debt
|
| Date Received |
2020-12-03
|
| Submitted Via |
Web
|
| Company Response |
Closed with explanation
|
| Consumer Disputed |
N/A
|
| Date Sent To Company |
2020-12-03
|
| Consumer Consent Provided |
Consent not provided
|
|
|
3990078
|
2020-12-04
|
Written notification about debt
|
Debt collection
|
|
| Issue |
Written notification about debt
|
| Timely |
Yes
|
| Company |
Webcollex, LLC
|
| Product |
Debt collection
|
| Sub Issue |
Didn't receive enough information to verify debt
|
| Sub Product |
I do not know
|
| Date Received |
2020-12-04
|
| Submitted Via |
Web
|
| Company Response |
Closed with explanation
|
| Consumer Disputed |
N/A
|
| Date Sent To Company |
2020-12-04
|
| Consumer Consent Provided |
Consent not provided
|
|
|
3730335
|
2020-07-06
|
Attempts to collect debt not owed
|
Debt collection
|
|
| Issue |
Attempts to collect debt not owed
|
| Timely |
Yes
|
| Company |
Webcollex, LLC
|
| Product |
Debt collection
|
| Sub Issue |
Debt was result of identity theft
|
| Sub Product |
Credit card debt
|
| Date Received |
2020-07-06
|
| Submitted Via |
Web
|
| Company Response |
Closed with explanation
|
| Consumer Disputed |
N/A
|
| Date Sent To Company |
2020-07-06
|
| Consumer Consent Provided |
Consent not provided
|
|
