|
11316583
|
2024-12-29
|
Communication tactics
|
Debt collection
|
|
| Issue |
Communication tactics
|
| Timely |
Yes
|
| Company |
SECURITY CREDIT SYSTEMS INC
|
| Product |
Debt collection
|
| Sub Issue |
Frequent or repeated calls
|
| Sub Product |
I do not know
|
| Date Received |
2024-12-29
|
| Submitted Via |
Web
|
| Company Response |
Closed with explanation
|
| Consumer Disputed |
N/A
|
| Date Sent To Company |
2024-12-29
|
|
|
11249071
|
2024-12-23
|
Attempts to collect debt not owed
|
Debt collection
|
|
| Issue |
Attempts to collect debt not owed
|
| Timely |
Yes
|
| Company |
SECURITY CREDIT SYSTEMS INC
|
| Product |
Debt collection
|
| Sub Issue |
Debt is not yours
|
| Sub Product |
I do not know
|
| Date Received |
2024-12-23
|
| Submitted Via |
Web
|
| Company Response |
Closed with explanation
|
| Consumer Disputed |
N/A
|
| Date Sent To Company |
2024-12-23
|
|
|
5679957
|
2022-06-17
|
Attempts to collect debt not owed
|
Debt collection
|
|
| Tags |
Servicemember
|
| Issue |
Attempts to collect debt not owed
|
| Timely |
Yes
|
| Company |
SECURITY CREDIT SYSTEMS INC
|
| Product |
Debt collection
|
| Sub Issue |
Debt was paid
|
| Sub Product |
Medical debt
|
| Date Received |
2022-06-17
|
| Submitted Via |
Web
|
| Company Response |
Closed with explanation
|
| Consumer Disputed |
N/A
|
| Date Sent To Company |
2022-06-17
|
| Complaint What Happened |
I paid {$290.00} on XX/XX/2022 in person at XXXX XXXX. I have made repeated phone calls to XXXX and Security Credit Systems, to have the debt removed from XXXX, XXXX and XXXX. It shows unpaid on all 3 reports and my score is severely decreased because of this.
|
| Consumer Consent Provided |
Consent provided
|
|
|
3951238
|
2020-11-12
|
Written notification about debt
|
Debt collection
|
|
| Issue |
Written notification about debt
|
| Timely |
Yes
|
| Company |
SECURITY CREDIT SYSTEMS INC
|
| Product |
Debt collection
|
| Sub Issue |
Notification didn't disclose it was an attempt to collect a debt
|
| Sub Product |
I do not know
|
| Date Received |
2020-11-12
|
| Submitted Via |
Web
|
| Company Response |
Closed with explanation
|
| Consumer Disputed |
N/A
|
| Date Sent To Company |
2020-11-12
|
| Complaint What Happened |
I received an alert on XXXX credit report. I looked and it was notified this particular agency. Security credit systems. I have never received a notice. I dont believe I owe a debt. I call and call and call and it only ever goes to voicemail. So Ive never received any notice and now they put it on my credit report and I dont even know what its for. And Im sure that I dont owe it.
|
| Consumer Consent Provided |
Consent provided
|
|
|
2812764
|
2018-02-13
|
Threatened to contact someone or share information improperly
|
Debt collection
|
|
| Issue |
Threatened to contact someone or share information improperly
|
| Timely |
Yes
|
| Company |
SECURITY CREDIT SYSTEMS INC
|
| Product |
Debt collection
|
| Sub Issue |
Contacted your employer
|
| Sub Product |
Private student loan debt
|
| Date Received |
2018-02-13
|
| Submitted Via |
Web
|
| Company Response |
Closed with explanation
|
| Consumer Disputed |
N/A
|
| Date Sent To Company |
2018-02-20
|
| Complaint What Happened |
XXXX XXXX at XXXX XXXX calls my WORK phone 1x a day, my moms cell phone and my employer. When he contacted both my mother and my employer ( old manager ) he did not state who he was, why he was calling but was probing for information if I was at my desk/vacation/available to speak. Would not disclose information on why he was calling right away and my mom and employer want him to stop contacting them.
In addition, he was phishing for more people I work with and their phone numbers to be able to contact myself. If he doesn't stop I will file a law suit as he is putting my career in jeopardy.
I'm sure he has contacted others at my job too, which is ruining my character within my position.
|
| Consumer Consent Provided |
Consent provided
|
|
|
2412208
|
2017-03-30
|
Dealing with my lender or servicer
|
Student loan
|
|
| Issue |
Dealing with my lender or servicer
|
| Timely |
Yes
|
| Company |
SECURITY CREDIT SYSTEMS INC
|
| Product |
Student loan
|
| Sub Issue |
Don't agree with fees charged
|
| Sub Product |
Non-federal student loan
|
| Date Received |
2017-03-30
|
| Submitted Via |
Web
|
| Company Response |
Closed with explanation
|
| Consumer Disputed |
No
|
| Date Sent To Company |
2017-03-30
|
| Company Public Response |
Company believes it acted appropriately as authorized by contract or law
|
| Consumer Consent Provided |
Consent not provided
|
|
|
2559253
|
2017-06-26
|
Attempts to collect debt not owed
|
Debt collection
|
|
| Issue |
Attempts to collect debt not owed
|
| Timely |
Yes
|
| Company |
SECURITY CREDIT SYSTEMS INC
|
| Product |
Debt collection
|
| Sub Issue |
Debt was paid
|
| Sub Product |
Medical debt
|
| Date Received |
2017-06-26
|
| Submitted Via |
Web
|
| Company Response |
Closed with explanation
|
| Consumer Disputed |
N/A
|
| Date Sent To Company |
2017-06-26
|
| Company Public Response |
Company believes it acted appropriately as authorized by contract or law
|
| Complaint What Happened |
I paid my XXXX XXXX the balance of my debt of {$59.00}. I accidentally sent them {$69.00}. Paid in full right? I check my credit report and I have Security Credit System on my report. I never dealt with Security Credit Systems. I dispute the debt. I receive a letter on XXXX/XXXX/XXXX from Security Credit System , Inc saying I have a balance of {$9.00} ( handwritten on invoice ). What it also has handwritten is a charge for collection fees of {$19.00} and no date. Which is 33 % of the original debt. I called SCS to dispute the charge. They REFUSE to send me any and all copies of invoices they claim they sent with this balance on. They claim the collection charge was added XXXX/XXXX/XXXX. They REFUSE to send me any copies of an invoice showing this charge sent to me or fees added at this date. They REFUSE to send me any copies they claim they sent me They REFUSE to send me any documentation of their fee rates nor send me any literature on how they came up with a 33 % Fee. They REFUSE to send me anything. They threatened to put on my credit against me yet refuses to give me any way of disputing this. My debt was paid to XXXX XXXX XXXX XXXX and that is final.
|
| Consumer Consent Provided |
Consent provided
|
|
|
1973050
|
2016-06-16
|
Communication tactics
|
Debt collection
|
|
| Tags |
Servicemember
|
| Issue |
Communication tactics
|
| Timely |
Yes
|
| Company |
SECURITY CREDIT SYSTEMS INC
|
| Product |
Debt collection
|
| Sub Issue |
Frequent or repeated calls
|
| Sub Product |
Federal student loan
|
| Date Received |
2016-06-16
|
| Submitted Via |
Web
|
| Company Response |
Closed with explanation
|
| Consumer Disputed |
No
|
| Date Sent To Company |
2016-08-05
|
| Company Public Response |
Company believes it acted appropriately as authorized by contract or law
|
| Complaint What Happened |
I have been contacted every day for the last 6 months on both a home phone amd a cell phone from this company " SECURITY CREDIT SYSTEMS, INC.. '' They claim to be atempting to collect debt from a student loan. I received mail from the company with a website to access.in order to make payments online. Since I am an XXXX military member XXXX, I attempted to use the site to pay. After inputing sensitive information and attempting to start payments, it became clear that I may have fallen victim of a scam. I fear that I will become a victim of identity theft.
|
| Consumer Consent Provided |
Consent provided
|
|
|
1045488
|
2014-09-25
|
Cont'd attempts collect debt not owed
|
Debt collection
|
|
| Issue |
Cont'd attempts collect debt not owed
|
| Timely |
Yes
|
| Company |
SECURITY CREDIT SYSTEMS INC
|
| Product |
Debt collection
|
| Sub Issue |
Debt was paid
|
| Sub Product |
Medical
|
| Date Received |
2014-09-25
|
| Submitted Via |
Referral
|
| Company Response |
Closed with explanation
|
| Consumer Disputed |
No
|
| Date Sent To Company |
2014-10-02
|
| Consumer Consent Provided |
N/A
|
|
|
1247513
|
2015-02-19
|
Cont'd attempts collect debt not owed
|
Debt collection
|
|
| Issue |
Cont'd attempts collect debt not owed
|
| Timely |
Yes
|
| Company |
SECURITY CREDIT SYSTEMS INC
|
| Product |
Debt collection
|
| Sub Issue |
Debt is not mine
|
| Sub Product |
Other (i.e. phone, health club, etc.)
|
| Date Received |
2015-02-19
|
| Submitted Via |
Web
|
| Company Response |
Closed with explanation
|
| Consumer Disputed |
Yes
|
| Date Sent To Company |
2015-04-07
|
| Consumer Consent Provided |
N/A
|
|
|
1188711
|
2015-01-09
|
Cont'd attempts collect debt not owed
|
Debt collection
|
|
| Issue |
Cont'd attempts collect debt not owed
|
| Timely |
Yes
|
| Company |
SECURITY CREDIT SYSTEMS INC
|
| Product |
Debt collection
|
| Sub Issue |
Debt was paid
|
| Sub Product |
Medical
|
| Date Received |
2015-01-09
|
| Submitted Via |
Web
|
| Company Response |
Closed with explanation
|
| Consumer Disputed |
Yes
|
| Date Sent To Company |
2015-01-09
|
| Consumer Consent Provided |
N/A
|
|
|
1651160
|
2015-11-12
|
Disclosure verification of debt
|
Debt collection
|
|
| Issue |
Disclosure verification of debt
|
| Timely |
Yes
|
| Company |
SECURITY CREDIT SYSTEMS INC
|
| Product |
Debt collection
|
| Sub Issue |
Right to dispute notice not received
|
| Sub Product |
Other (i.e. phone, health club, etc.)
|
| Date Received |
2015-11-12
|
| Submitted Via |
Web
|
| Company Response |
Closed with explanation
|
| Consumer Disputed |
Yes
|
| Date Sent To Company |
2015-11-12
|
| Company Public Response |
Company believes it acted appropriately as authorized by contract or law
|
| Complaint What Happened |
In XX/XX/XXXX, I contacted XXXX University regarding taking online graduate engineering courses. I was accepted into the graduate engineering program and submitted the online application for the XXXX program. The application contained various information including my cell number, personal email and home address, employer information, etc. After being accepted into the program I spoke with someone from the XXXX department on the phone and selected XXXX online courses for the spring semester that would start in XX/XX/XXXX. I was now enrolled in the XXXX courses via that phone conversation. She informed me that the courses would require full payment one week prior to the start of classes in XXXX. She did not mention any other fees or specific cancellation process.
I intended to pay for these courses through my employer tuition reimbursement program. In XX/XX/XXXX, my employment situation was changing and I began to seek out of state employment. As I did during the class enrollment process, I called XXXX to inform them that I was leaving my employer and would not be taking the XXXX courses. I believed that my registration to take the XXXX courses was cancelled as it was the exact same process I used to register.
1. In XX/XX/XXXX, I called XXXX notifying them that I was moving to a new employer and would not be attending the XXXX classes.
2. I did not pay for the XXXX courses in the required time ( one week prior to the start of classes ) 3. Never registered with the course ( s ) online portal as required by the instructors4. Never had any correspondence with the instructors or attended any classes5. Never purchases textbooksXXXX XXXX website only addresses tuition reimbursement when you drop a class after the first day of classes with a weekly tuition reversal schedule for the refund. There is no mention of fees related to online classes or any specific process to cancel online classes. When I registered for the classes via the phone there was no discussion on how to cancel. My assumption was that I did everything reasonable to cancel the classes.
On XX/XX/XXXX, I received a phone call from a collection agency. The collection agency isSecurity Credit Systems - XXXX XXXX XXXX XXXX XXXX XXXX NY XXXXWhen I returned the call I was shocked to hear that I now owed the collection agency over {$1800.00}. This was the first correspondence that I received related to these courses. I was never contacted by the school via phone calls, emails, etc. I did move in XX/XX/XXXX but my email and phone number was documented in my application. At no time did anyone from XXXX contact me. On XXXX XXXX and XXXX, I called XXXX XXXX times and was told that they could not speak with me. I emailed them requesting the details for these charges and again was told that they could not provide any information. I was instructed to deal with the collection agency. When I asked for the details and the reason for this charge the collection agency sent me a bill for {$1800.00}. They would not provide any details regarding these charges. The collection agency stated that if I did not pay the balance due by XX/XX/XXXX this charge would be reported to the credit bureaus, negatively affect my credit score.
|
| Consumer Consent Provided |
Consent provided
|
|
|
1714713
|
2015-12-23
|
Cont'd attempts collect debt not owed
|
Debt collection
|
|
| Issue |
Cont'd attempts collect debt not owed
|
| Timely |
Yes
|
| Company |
SECURITY CREDIT SYSTEMS INC
|
| Product |
Debt collection
|
| Sub Issue |
Debt is not mine
|
| Sub Product |
Other (i.e. phone, health club, etc.)
|
| Date Received |
2015-12-23
|
| Submitted Via |
Web
|
| Company Response |
Closed with explanation
|
| Consumer Disputed |
No
|
| Date Sent To Company |
2015-12-23
|
| Company Public Response |
Company believes it acted appropriately as authorized by contract or law
|
| Complaint What Happened |
In 2007, I only registered spring semaster @ XXXX for total tuition of {$5000.00} but I withdrew all my classes before semaster stated. After a year later, the bursar 's office mailed me a bill stating I owe them {$5000.00} unpaid college tuition. I called them right back and told them I withdrew all the classes prior to semaster start date, I did n't attend any classes at all and should n't pay it.
Since then, the debt collection agency keep calling me at work, home, even on my cell phone. I did not give out any of my numbers. They making threats to levy my bank account and put a hold on my paystubs. Especially this year, when this person named XXXX XXXX from Security Credit Systems XXXX XXXX ext XXXX did boiler room harrase me by calling my work and cell phones everyday. He made threats to me telling that he will put a hold on my paystub until the debt is paid in full and levy against my bank account. He even asked my new home address so he can send more debt collection mails. I am really scared right now and do n't know what to do. This is not my Debt since I do not owe the school anything. Please help.
|
| Consumer Consent Provided |
Consent provided
|
|
|
10511549
|
2024-10-19
|
Written notification about debt
|
Debt collection
|
|
| Issue |
Written notification about debt
|
| Timely |
Yes
|
| Company |
SECURITY CREDIT SYSTEMS INC
|
| Product |
Debt collection
|
| Sub Issue |
Didn't receive enough information to verify debt
|
| Sub Product |
I do not know
|
| Date Received |
2024-10-19
|
| Submitted Via |
Web
|
| Company Response |
Closed with explanation
|
| Consumer Disputed |
N/A
|
| Date Sent To Company |
2024-10-19
|
| Consumer Consent Provided |
Consent not provided
|
|
|
7049475
|
2023-05-31
|
Attempts to collect debt not owed
|
Debt collection
|
|
| Issue |
Attempts to collect debt not owed
|
| Timely |
No
|
| Company |
SECURITY CREDIT SYSTEMS INC
|
| Product |
Debt collection
|
| Sub Issue |
Debt was paid
|
| Sub Product |
Private student loan debt
|
| Date Received |
2023-05-31
|
| Submitted Via |
Web
|
| Company Response |
Closed with explanation
|
| Consumer Disputed |
N/A
|
| Date Sent To Company |
2023-06-16
|
| Consumer Consent Provided |
Consent not provided
|
|
|
1942476
|
2016-05-26
|
Improper contact or sharing of info
|
Debt collection
|
|
| Issue |
Improper contact or sharing of info
|
| Timely |
Yes
|
| Company |
SECURITY CREDIT SYSTEMS INC
|
| Product |
Debt collection
|
| Sub Issue |
Talked to a third party about my debt
|
| Sub Product |
I do not know
|
| Date Received |
2016-05-26
|
| Submitted Via |
Web
|
| Company Response |
Closed with explanation
|
| Consumer Disputed |
No
|
| Date Sent To Company |
2016-05-26
|
| Complaint What Happened |
left message on phone with my name and that they where a collection agency - XXXX in a row. On a phone account I share with my daughter. There is no identifiers that the voicemail is mine. My daughter retrieved the message.
If you are calling to collect a debt you are not suppose to leave info on a voicemail if there is no identifiers. In this case someone elses phone.
|
| Consumer Consent Provided |
Consent provided
|
|
|
2921656
|
2018-05-30
|
Threatened to contact someone or share information improperly
|
Debt collection
|
|
| Issue |
Threatened to contact someone or share information improperly
|
| Timely |
Yes
|
| Company |
SECURITY CREDIT SYSTEMS INC
|
| Product |
Debt collection
|
| Sub Issue |
Talked to a third-party about your debt
|
| Sub Product |
Private student loan debt
|
| Date Received |
2018-05-30
|
| Submitted Via |
Web
|
| Company Response |
Closed with explanation
|
| Consumer Disputed |
N/A
|
| Date Sent To Company |
2018-05-30
|
| Complaint What Happened |
An operator in this office by the name of XXXX XXXX ( ext XXXX ) contacted a family member of mine on Thursday, XX/XX/XXXX and proceeded to provide said family member with detailed information regarding my account. Said family member was only asked to verify my date of birth ( call is recorded ) and the employee proceeded to disclose private information such as the amount of debt owed, my personal information, dates and payment arraignment options. I am not a minor and have no additional cosigners on this account. The family member in question was my mother, her English is limited and she suffers from mental illness. This operator took complete advantage of her limitations on this call.
On XX/XX/XXXX I contacted XXXX XXXX at extension XXXX in the office and provided him with my name, social security number, date of birth and mailing address. I then proceeded to ask why the above verifying factors were not implemented when he had spoken to my family member the previous day and he placed me on hold for 20 minutes. I waited for him to return to the phone and expressed my concern for how this office is handling my private information. His tone became aggressive and that is when I asked to speak to his direct supervisor. He refused to transfer me to a supervisor. I called back and was routed to a supervisor by the receptionist.
The above mentioned supervisor insisted he return my call and I have yet to hear back from him. On XX/XX/XXXX I attempted to contact the office supervisor and left numerous messages for him to return my call. Once I realized I was being avoided I contacted XXXX XXXX, the offices legal counsel and was told she would get back to me this week.
My mother suffered a nervous breakdown following this call due to her mental issues. This caused me grief and much embarrassment. I am XXXX years old and am protected under federal law for my private information not be disclosed to anyone other than I or an attorney representing me. I would like this office reported so this doesn't happen to anyone ever again.
|
| Consumer Consent Provided |
Consent provided
|
|
|
1980044
|
2016-06-22
|
Communication tactics
|
Debt collection
|
|
| Issue |
Communication tactics
|
| Timely |
Yes
|
| Company |
SECURITY CREDIT SYSTEMS INC
|
| Product |
Debt collection
|
| Sub Issue |
Used obscene/profane/abusive language
|
| Sub Product |
Medical
|
| Date Received |
2016-06-22
|
| Submitted Via |
Phone
|
| Company Response |
Closed with explanation
|
| Consumer Disputed |
No
|
| Date Sent To Company |
2016-07-29
|
| Company Public Response |
Company believes it acted appropriately as authorized by contract or law
|
| Consumer Consent Provided |
N/A
|
|
|
1333273
|
2015-04-16
|
Communication tactics
|
Debt collection
|
|
| Tags |
Servicemember
|
| Issue |
Communication tactics
|
| Timely |
Yes
|
| Company |
SECURITY CREDIT SYSTEMS INC
|
| Product |
Debt collection
|
| Sub Issue |
Frequent or repeated calls
|
| Sub Product |
I do not know
|
| Date Received |
2015-04-16
|
| Submitted Via |
Web
|
| Company Response |
Closed with explanation
|
| Consumer Disputed |
No
|
| Date Sent To Company |
2015-04-16
|
| Complaint What Happened |
They calling my house and asking to speak to my daughter, when they are told she does n't live here they tell me that I am lying and they will continue to call me XXXX Times a day if they want to, they wo n't give me thier address so I can send a cease and desist letter so I told them to cease and desist calling but they continue to call the name of the company is security credit
|
| Consumer Consent Provided |
Consent provided
|
|
|
2950098
|
2018-06-29
|
False statements or representation
|
Debt collection
|
|
| Issue |
False statements or representation
|
| Timely |
Yes
|
| Company |
SECURITY CREDIT SYSTEMS INC
|
| Product |
Debt collection
|
| Sub Issue |
Attempted to collect wrong amount
|
| Sub Product |
Federal student loan debt
|
| Date Received |
2018-06-29
|
| Submitted Via |
Web
|
| Company Response |
Closed with explanation
|
| Consumer Disputed |
N/A
|
| Date Sent To Company |
2018-06-29
|
| Complaint What Happened |
On XX/XX/XXXX, I called Security Credit Systems of XXXX, NY in order to gain information regarding an allegedly defaulted student loan account in my name.
I was put in touch with a XXXX. XXXX, who insisted that I owed a total of {$1100.00}. This was in stark contrast with the amount listed on my Federal Student Aid account, which listed a due principal of {$820.00} with {$0.00} interest due.
When I presented this information to XXXX. XXXX, he became agitated and hostile, insisting that I owed an additional {$350.00} in interest charges.
I pointed out to XXXX. XXXX that I could not possibly owe Security Credit Systems that much, as this loan was serviced by another credit agency before XX/XX/XXXX, before being transferred to Security Credit Systems after that date by my original loan provider, XXXX XXXX, as disclosed to me with XXXX XXXX business office in a conversation which took place on XX/XX/XXXX. Security Credit Systems has serviced this loan for less than two weeks, and yet they are claiming I owe roughly 45 % of my principal balance in interest charges, to quote XXXX. XXXX.
XXXX. XXXX then vacillated between claims that these interest charges were imposed by Security Credit Systems and, alternatively, the federal government. When I stated that these interest charges couldnt possibly be imposed by the federal government, as the Federal Student Aid website currently lists due interest charges for this loan at {$0.00}, XXXX. XXXX again grew angry and demanded that I pay the requested amount immediately.
It is clear to me, based on the very short length of time Security Credit Systems has serviced this debt and the significant discrepancy between XXXX . XX/XX/XXXX claims and the official amount listed as due on the Federal Student Aid website, that this is an attempt to charge an exorbitant and potentially usurious amount of money that I do not owe. These actions are in clear violation and, at the time, render me unable to pay my proper debts.
Security Credit Systems is making wildly fraudulent demands, and should be appropriately reprimanded for their unethical, predatory, and potentially illegal behavior.
|
| Consumer Consent Provided |
Consent provided
|
|
|
3681430
|
2020-06-03
|
Attempts to collect debt not owed
|
Debt collection
|
|
| Issue |
Attempts to collect debt not owed
|
| Timely |
Yes
|
| Company |
SECURITY CREDIT SYSTEMS INC
|
| Product |
Debt collection
|
| Sub Issue |
Debt was result of identity theft
|
| Sub Product |
I do not know
|
| Date Received |
2020-06-03
|
| Submitted Via |
Web
|
| Company Response |
Closed with explanation
|
| Consumer Disputed |
N/A
|
| Date Sent To Company |
2020-06-03
|
| Consumer Consent Provided |
Consent not provided
|
|
|
10010952
|
2024-09-04
|
Incorrect information on your report
|
Credit reporting or other personal consumer reports
|
|
| Issue |
Incorrect information on your report
|
| Timely |
Yes
|
| Company |
SECURITY CREDIT SYSTEMS INC
|
| Product |
Credit reporting or other personal consumer reports
|
| Sub Issue |
Account information incorrect
|
| Sub Product |
Credit reporting
|
| Date Received |
2024-09-04
|
| Submitted Via |
Web
|
| Company Response |
Closed with explanation
|
| Consumer Disputed |
N/A
|
| Date Sent To Company |
2024-09-04
|
| Consumer Consent Provided |
Consent not provided
|
|
|
8430650
|
2024-02-27
|
Attempts to collect debt not owed
|
Debt collection
|
|
| Issue |
Attempts to collect debt not owed
|
| Timely |
Yes
|
| Company |
SECURITY CREDIT SYSTEMS INC
|
| Product |
Debt collection
|
| Sub Issue |
Debt is not yours
|
| Sub Product |
I do not know
|
| Date Received |
2024-02-27
|
| Submitted Via |
Web
|
| Company Response |
Closed with explanation
|
| Consumer Disputed |
N/A
|
| Date Sent To Company |
2024-02-27
|
| Complaint What Happened |
SECURITY CREDIT SYSTEMS Address : XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, NY XXXX Repeatedly contacts my elderly mother to collect an alleged debt from a College I have not attended since 2012. Has published/ reported the debt to my credit report. The alleged debt does not match any number from any invoice or communication I had with the college.
This firm is attempting to collect an alleged debt that is older than 10 years.
This firm misrepresents the total of the disputed charge.
This firm repeatedly harasses family members ( who do not reside with me, share phone plan, or live in the same state ) to collect their alleged debt.
|
| Consumer Consent Provided |
Consent provided
|
|
|
8354603
|
2024-02-15
|
Written notification about debt
|
Debt collection
|
|
| Issue |
Written notification about debt
|
| Timely |
Yes
|
| Company |
SECURITY CREDIT SYSTEMS INC
|
| Product |
Debt collection
|
| Sub Issue |
Didn't receive notice of right to dispute
|
| Sub Product |
Other debt
|
| Date Received |
2024-02-15
|
| Submitted Via |
Web
|
| Company Response |
Closed with explanation
|
| Consumer Disputed |
N/A
|
| Date Sent To Company |
2024-02-21
|
| Consumer Consent Provided |
Consent not provided
|
|
|
8372369
|
2024-02-20
|
Written notification about debt
|
Debt collection
|
|
| Issue |
Written notification about debt
|
| Timely |
Yes
|
| Company |
SECURITY CREDIT SYSTEMS INC
|
| Product |
Debt collection
|
| Sub Issue |
Didn't receive enough information to verify debt
|
| Sub Product |
I do not know
|
| Date Received |
2024-02-20
|
| Submitted Via |
Web
|
| Company Response |
Closed with explanation
|
| Consumer Disputed |
N/A
|
| Date Sent To Company |
2024-02-20
|
| Consumer Consent Provided |
Consent not provided
|
|
|
6890640
|
2023-04-26
|
Dealing with your lender or servicer
|
Student loan
|
|
| Issue |
Dealing with your lender or servicer
|
| Timely |
Yes
|
| Company |
SECURITY CREDIT SYSTEMS INC
|
| Product |
Student loan
|
| Sub Issue |
Keep getting calls about your loan
|
| Sub Product |
Federal student loan servicing
|
| Date Received |
2023-04-26
|
| Submitted Via |
Web
|
| Company Response |
Closed with explanation
|
| Consumer Disputed |
N/A
|
| Date Sent To Company |
2023-04-26
|
| Complaint What Happened |
I have no outstanding debt owed. The " debt '' they are trying to collect was for a semester I never attended. I fell ill at the beginning of the semester and withdrew and had a confirmation of withdrawal. I was informed that there would be no charges since it was prior to the semester start. I still received a bill and when I contacted the school, they said to ignore it as it was already handled, and it must have been an error. This was back in XXXX, I think. Since then, I received many calls saying it went to collection, and it needed to be paid. I was told by the school to not answer these calls. Fast forward till now and I and my family/friends have been getting calls requesting information and stating I have a debt in collections. I do not have access to most documents as they were through my school email and old email, I no longer have access to, and calls to my " advisor '' at the school.
|
| Consumer Consent Provided |
Consent provided
|
|
|
6764045
|
2023-03-28
|
Communication tactics
|
Debt collection
|
|
| Issue |
Communication tactics
|
| Timely |
Yes
|
| Company |
SECURITY CREDIT SYSTEMS INC
|
| Product |
Debt collection
|
| Sub Issue |
Used obscene, profane, or other abusive language
|
| Sub Product |
Medical debt
|
| Date Received |
2023-03-28
|
| Submitted Via |
Web
|
| Company Response |
Closed with explanation
|
| Consumer Disputed |
N/A
|
| Date Sent To Company |
2023-04-18
|
| Complaint What Happened |
Four different times last week ( XX/XX/23 ) I called Security Credit Systems to try and pay my debt. Each time when I denied wanting to pay the extra fee to have the debt removed from my credit report, they hung up on me.
|
| Consumer Consent Provided |
Consent provided
|
|
|
1229280
|
2015-02-06
|
Disclosure verification of debt
|
Debt collection
|
|
| Issue |
Disclosure verification of debt
|
| Timely |
Yes
|
| Company |
SECURITY CREDIT SYSTEMS INC
|
| Product |
Debt collection
|
| Sub Issue |
Not given enough info to verify debt
|
| Sub Product |
Other (i.e. phone, health club, etc.)
|
| Date Received |
2015-02-06
|
| Submitted Via |
Postal mail
|
| Company Response |
Closed
|
| Consumer Disputed |
No
|
| Date Sent To Company |
2015-03-17
|
| Consumer Consent Provided |
N/A
|
|
|
3040772
|
2018-10-09
|
Communication tactics
|
Debt collection
|
|
| Issue |
Communication tactics
|
| Timely |
Yes
|
| Company |
SECURITY CREDIT SYSTEMS INC
|
| Product |
Debt collection
|
| Sub Issue |
Frequent or repeated calls
|
| Sub Product |
I do not know
|
| Date Received |
2018-10-09
|
| Submitted Via |
Web
|
| Company Response |
Closed with explanation
|
| Consumer Disputed |
N/A
|
| Date Sent To Company |
2018-10-09
|
| Consumer Consent Provided |
Consent not provided
|
|
|
4824094
|
2021-10-19
|
Incorrect information on your report
|
Credit reporting, credit repair services, or other personal consumer reports
|
|
| Issue |
Incorrect information on your report
|
| Timely |
Yes
|
| Company |
SECURITY CREDIT SYSTEMS INC
|
| Product |
Credit reporting, credit repair services, or other personal consumer reports
|
| Sub Issue |
Account information incorrect
|
| Sub Product |
Credit reporting
|
| 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
|
|
|
4052442
|
2021-01-06
|
Attempts to collect debt not owed
|
Debt collection
|
|
| Issue |
Attempts to collect debt not owed
|
| Timely |
Yes
|
| Company |
SECURITY CREDIT SYSTEMS INC
|
| Product |
Debt collection
|
| Sub Issue |
Debt was paid
|
| Sub Product |
I do not know
|
| Date Received |
2021-01-06
|
| Submitted Via |
Web
|
| Company Response |
Closed with explanation
|
| Consumer Disputed |
N/A
|
| Date Sent To Company |
2021-01-06
|
| Consumer Consent Provided |
Consent not provided
|
|
