Complaints

The complaint text that is displayed might not represent all complaints filed with BBB. Some consumers may elect to not publish the details of their complaints, some complaints may not meet BBB's standards for publication, or BBB may display a portion of complaints when a high volume is received for a particular business.

• Initial Complaint

  Date:03/14/2024

  Type:Order Issues
  Status:

  AnsweredMore info

  Complaint statuses

  Resolved:

  The complainant verified the issue was resolved to their satisfaction.

  Unresolved:

  The business responded to the dispute but failed to make a good faith effort to resolve it.

  Answered:

  The business addressed the issues within the complaint, but the consumer either a) did not accept the response, OR b) did not notify BBB as to their satisfaction.

  Unanswered:

  The business failed to respond to the dispute.

  Unpursuable:

  BBB is unable to locate the business.

  I am not liable for this debt with RENT A CENTER. I do not have a contract with Diaz & Associates Inc. They did not provide me with the original contract as requested.

  Business Response

  Date: 03/14/2024

  We are well versed in the ***** and other state and local collection regulations.  We absolutely obey and adhere to all collection laws governed by the Fair Debt Collections Practices Act, ************************ and the Attorney General.
  
  In regards to the above named account in our office.  We have received the documentation supplied to us by the original creditor and have sent it regular mail to the address on file.  Now we are able to substantiate this debt and the balance is due in full.  We are still willing to work with you to reach a mutually agreeable resolution to your outstanding obligation, but you will need to contact our office for terms and conditions.  If you have any further questions or concerns please contact ***************************** at ************.
  
  We apologize for any inconvenience this may have caused.
  
  Thank you,
  
  
  *****************************
  Director of Correspondence
  CA License #********
  
  Enclosed: Copy of your Rental Purchase Agreement
  
  Notice: Please refer to the following page for important disclosures.
  
  This communication is from **** & Associates, **** A debt collector. This is an attempt to collect a debt by a debt collector and any information obtained will be used for that purpose.
  
  

• Initial Complaint

  Date:02/29/2024

  Type:Order Issues
  Status:

  AnsweredMore info

  Complaint statuses

  Resolved:

  The complainant verified the issue was resolved to their satisfaction.

  Unresolved:

  The business responded to the dispute but failed to make a good faith effort to resolve it.

  Answered:

  The business addressed the issues within the complaint, but the consumer either a) did not accept the response, OR b) did not notify BBB as to their satisfaction.

  Unanswered:

  The business failed to respond to the dispute.

  Unpursuable:

  BBB is unable to locate the business.

  I am not liable for this debt with Kinecta FCU. I do not have a contract with Diaz & Associates I. They did not provide me with the original contract as requested.

  Business Response

  Date: 03/01/2024

  We are well versed in the ***** and other state and local collection regulations.  We absolutely obey and adhere to all collection laws governed by the Fair Debt Collections Practices Act, ************************ and the Attorney General.
  
  In regards to the above named account in our office.  We have received the documentation supplied to us by the original creditor and have sent it regular mail to the address on file.  Now we are able to substantiate this debt and the balance is due in full.  We are still willing to work with you to reach a mutually agreeable resolution to your outstanding obligation, but you will need to contact our office for terms and conditions.  If you have any further questions or concerns please contact ***************************** at ************.
  
  We apologize for any inconvenience this may have caused.
  
  Thank you,
  
  *****************************
  Director of Correspondence
  CA License #********
  
  Enclosed: Copy of your Loan and Security Agreements and Disclosure Statement, Membership Application and Transaction History 
  
  Notice: Please refer to the following page for important disclosures.
  
  This communication is from **** & Associates, **** A debt collector. This is an attempt to collect a debt by a debt collector and any information obtained will be used for that purpose.
  
  
  
  

• Initial Complaint

  Date:01/29/2024

  Type:Order Issues
  Status:

  AnsweredMore info

  Complaint statuses

  Resolved:

  The complainant verified the issue was resolved to their satisfaction.

  Unresolved:

  The business responded to the dispute but failed to make a good faith effort to resolve it.

  Answered:

  The business addressed the issues within the complaint, but the consumer either a) did not accept the response, OR b) did not notify BBB as to their satisfaction.

  Unanswered:

  The business failed to respond to the dispute.

  Unpursuable:

  BBB is unable to locate the business.

  I received a phone call from a rep *************************** that work at Diaz & Associates. He aggressively contacted me about a debt that he claim I owed 20 yrs ago. He stated I owe a total of $9000 on a credit card I do not recall having however it was *************************************************************************** about an acct that was ********************************************************************************** adjusted off. I have not had any issues with my credit prior and never received a call about this acct before. I was currently under personal distress due to a personal matter and it was escalated when he threatened legal action against me, wage garnishment, IRS garnishment, to take my home property and cars etc if I did not make a payment or settlement. The harassment was escalated and forced me under distress to make a settlement and signed documentation because I did not want anything listed above to happen and his approach was so intimidating and condescending. The level of fear and stress from this matter caused me to cry that I had to contact my sister. My sister did some research and discovered this company is a fraud and read all the complaints that was listed under the website and suggested I speak with her lawyer friend who confirmed this company is a fraud and was advised to stop all transactions via my bank. I received a voicemail this morning from the same rep who expressed frustration because the transaction was cancelled and he continued to threatened me with the same actions if I did not respond within a hour. This company is bogus and I need them to cease and desist all communication with me. If not, I will file a complaint with my local police and pursue further legal action.

  Business Response

  Date: 02/05/2024

  We are well versed in the ***** and other state and **************** regulations. We absolutely obey and adhere to all collection laws governed by the Fair Debt Collections Practices Act, ************************ and the Attorney General.
  
  Thanks for voicing your concern. We take all complaints seriously. Rest assured we are not a fraud or bogus company.  Our records do not reflect any outbound calls to you regarding this debt, nor do we have or ever had a rep named *************************** employed with **** & Associates, Inc.  You may have us mistaken for another company.    If you have any further questions or concerns, please contact ***************************** at ************.
  
  Thank you,
  *****************************
  Director of Correspondence

• Initial Complaint

  Date:01/25/2024

  Type:Billing Issues
  Status:

  AnsweredMore info

  Complaint statuses

  Resolved:

  The complainant verified the issue was resolved to their satisfaction.

  Unresolved:

  The business responded to the dispute but failed to make a good faith effort to resolve it.

  Answered:

  The business addressed the issues within the complaint, but the consumer either a) did not accept the response, OR b) did not notify BBB as to their satisfaction.

  Unanswered:

  The business failed to respond to the dispute.

  Unpursuable:

  BBB is unable to locate the business.

  **** and associates bought a debt from home defenders a security company. I canceled the service they claimed I owe them 800 and something dollars which I did not pay as I could not resolve the issue with Defenders. Three or four years passed. They sold that *********** an associate who put the debt on my credit report charging me $30 a month every month my **** went up on my credit report. Also calling everyone on my family for past 3 years of that **** and associates said I owe them $1600. now were past seven year **** the debt dropped off my credit report that it is been released from my credit report Diaz & Associates is now calling people in my family weekly and also calling my place of employment. I do believe this is harassment. This is not the original debt. This debt is past seven years old. And now they are starting to call where my place of employment which is causing me issues. I dont believe they have the right to call my place an appointment nor my family members and friends its been over seven years. It is no longer on my credit report. At this point its purely harassment from a company that I never rode any money to begin with.

  Business Response

  Date: 02/07/2024

  We are well versed in the ***** and other state and **************** regulations.  We absolutely obey and adhere to all collection laws governed by the Fair Debt Collections Practices Act, ************************* and the Attorney General.
  
  Regarding the dispute we received about your account in our office, we have since closed said account and we have halted all collection activities.  We have also sent out an UDF form to update our trade line if we have reported.  If you have any further questions or concerns, please contact ***************************** at ************.
  
  We apologize for any inconvenience this may have caused.
  
  Thank you,
  
  
  *****************************
  Director of Correspondence
  
  

• Initial Complaint

  Date:01/11/2024

  Type:Billing Issues
  Status:

  ResolvedMore info

  Complaint statuses

  Resolved:

  The complainant verified the issue was resolved to their satisfaction.

  Unresolved:

  The business responded to the dispute but failed to make a good faith effort to resolve it.

  Answered:

  The business addressed the issues within the complaint, but the consumer either a) did not accept the response, OR b) did not notify BBB as to their satisfaction.

  Unanswered:

  The business failed to respond to the dispute.

  Unpursuable:

  BBB is unable to locate the business.

  This company has not validated the debt or showed the contract with the original creditor. *** never had business with the debt collector or the creditor that they cited in the letter, *********** I am a victim of fraud and have several alerts on my credit reports with all reporting bureaus and a filed police report. I want **** and Associates to cease and desist all communication and delete this record from their database.

  Business Response

  Date: 01/14/2024

  We are well versed in the ***** and other state and **************** regulations.  We absolutely obey and adhere to all collection laws governed by the Fair Debt Collections Practices Act, ************************* and the Attorney General.
  
  Regarding the dispute we received about your account in our office, we have since closed said account and we have halted all collection activities.  Our firm was informed that there is no documentation available from the original issuer.  We have also sent out an UDF form to update our trade line if we have reported.  If you have any further questions or concerns, please contact ***************************** at ************.
  
  We apologize for any inconvenience this may have caused.
  
  Thank you,
  
  
  *****************************
  Director of Correspondence
  
  

  Customer Answer

  Date: 01/14/2024

  
  Better Business Bureau:
  
  I have reviewed the response made by the business in reference to complaint ID ********, and find that this resolution would be satisfactory to me.  I will wait for the business to perform this action and, if it does, will consider this complaint resolved.
  
  Regards,
  
  *****************************
  
   
  

• Initial Complaint

  Date:12/16/2023

  Type:Order Issues
  Status:

  AnsweredMore info

  Complaint statuses

  Resolved:

  The complainant verified the issue was resolved to their satisfaction.

  Unresolved:

  The business responded to the dispute but failed to make a good faith effort to resolve it.

  Answered:

  The business addressed the issues within the complaint, but the consumer either a) did not accept the response, OR b) did not notify BBB as to their satisfaction.

  Unanswered:

  The business failed to respond to the dispute.

  Unpursuable:

  BBB is unable to locate the business.

  I do not have a contract with **** and associates **** they did not provide me with the original contract as requested.

  Business Response

  Date: 12/20/2023

  We are well versed in the ***** and other state and **************** regulations.  We absolutely obey and adhere to all collection laws governed by the Fair Debt Collections Practices Act, ************************ and the Attorney General.
  
  In regards to the above named account in our office.  We have received the documentation supplied to us by the original creditor and have sent it regular mail to the address on file.  Now we are able to substantiate this debt and the balance is due in full.  We are still willing to work with you to reach a mutually agreeable resolution to your outstanding obligation, but you will need to contact our office for terms and conditions.  If you have any further questions or concerns please contact ***************************** at ************.
  
  We apologize for any inconvenience this may have caused.
  
  Thank you,
  
  *****************************
  Director of Correspondence
  
  

• Initial Complaint

  Date:11/27/2023

  Type:Service or Repair Issues
  Status:

  ResolvedMore info

  Complaint statuses

  Resolved:

  The complainant verified the issue was resolved to their satisfaction.

  Unresolved:

  The business responded to the dispute but failed to make a good faith effort to resolve it.

  Answered:

  The business addressed the issues within the complaint, but the consumer either a) did not accept the response, OR b) did not notify BBB as to their satisfaction.

  Unanswered:

  The business failed to respond to the dispute.

  Unpursuable:

  BBB is unable to locate the business.

  I recvd a letter stating I owed $2,481.04 but if I paid $868.36 they would close it the acct that was supposedly closed in 4/15/1999. They said I made a payment in ****. I don't have any recollection of ever having this account. I get a call today to make sure I'm home to be served a summons to court. This is over 23 years ago. They were rude. I never said this was my acct. No proof from they're end & I never did business with **************** They said that if I don't accept summons they will get me for evasion. What the heck are these dirty crooks up to? 23 years ago is a long time ago & past time limitations if this were true. They wanted money but I told them I'm not giving them anything especially when I never had an account with **************** In call after I got the letter they told me I had to pay or they would take me to court. I told them give me proof it was my account. They said see you in court. Now like I said today they called my phone ( I don't know how they got my number) told me to be home in 30 minutes to be served a summons to appear in court. I'm not even in town today.

  Business Response

  Date: 12/04/2023

  We are well versed in the ***** and other state and **************** regulations. We absolutely obey and adhere to all collection laws governed by the Fair Debt Collections Practices Act, ************************ and the Attorney General.
  
  Regarding phone calls, we only show an inbound call from you on October 13, 2023, at 11:46am pacific standard time.  Our records do not reflect any outbound calls made to anyone regarding this debt. 
  
  Regarding the dispute, we have since closed said account and we have halted all collection activities.  Our firm was informed that there is no documentation available from the original issuer.  We apologize for any inconvenience this may have caused.  
  
   If you have any further questions or concerns,please contact ***************************** at ************.
  
  Thank you,
  *****************************
  Director of Correspondence

  Customer Answer

  Date: 12/05/2023

  
  Better Business Bureau:
  
  I have reviewed the response made by the business in reference to complaint ID ********, and find that this resolution would be satisfactory to me.  I will wait for the business to perform this action and, if it does, will consider this complaint resolved.
  
  Regards,
  
  *********************
  
   
  

• Initial Complaint

  Date:11/20/2023

  Type:Billing Issues
  Status:

  AnsweredMore info

  Complaint statuses

  Resolved:

  The complainant verified the issue was resolved to their satisfaction.

  Unresolved:

  The business responded to the dispute but failed to make a good faith effort to resolve it.

  Answered:

  The business addressed the issues within the complaint, but the consumer either a) did not accept the response, OR b) did not notify BBB as to their satisfaction.

  Unanswered:

  The business failed to respond to the dispute.

  Unpursuable:

  BBB is unable to locate the business.

  I never had an account with MBNA AMERICA ************** CONSUMER FINANCE() with account number **************. This is a fraudulent attempt to collect something I never did. I do not owe anything to MBNA AMERICA ************** CONSUMER FINANCE().

  Business Response

  Date: 11/20/2023

  We are well versed in the ***** and other state and **************** regulations. We absolutely obey and adhere to all collection laws governed by the Fair Debt Collections Practices Act, ************************ and the Attorney General.
  
  Regarding the dispute we received about your account in our office, we have since closed said account and we have halted all collection activities.  Our firm was informed that there is no documentation available from the original issuer.  We have also sent out an UDF form to update our trade line if we have reported.  If you have any further questions or concerns please contact ***************************** at ************.
  
  We apologize for any inconvenience this may have caused.
  
  Thank you,
  
  
  *****************************
  Director of Correspondence

• Initial Complaint

  Date:11/16/2023

  Type:Billing Issues
  Status:

  AnsweredMore info

  Complaint statuses

  Resolved:

  The complainant verified the issue was resolved to their satisfaction.

  Unresolved:

  The business responded to the dispute but failed to make a good faith effort to resolve it.

  Answered:

  The business addressed the issues within the complaint, but the consumer either a) did not accept the response, OR b) did not notify BBB as to their satisfaction.

  Unanswered:

  The business failed to respond to the dispute.

  Unpursuable:

  BBB is unable to locate the business.

  Diaz & Associates have been asked multiple times to prove the validity of the charges they claim I owe and have never produced a signature or ID to validate this fraudulent account. Moreover, when I disputed it and asked them to show proof I opened the account as I am trying to repair my credit from being hacked they responded by lowering the amount due by $1 to make it appear as though I have been paying on it! This causes credit reporting companies to assume i am acknowledging the account and making payments and i will be reopened for another 7 years as if I acknowledged the account as my own. This is illegal! I am formally posting this complaint to aid in my suit against these ***************** not only did their action cause my credit report to take a 40 point hit over their $1 lie, but it also cost my family the chance of a lifetime on our dream home. This is completely irreprehensible behavior and not to mention highly illegal in regard to regulated credit dispute and claim processes. My attorney has recommended I file this complaint as it will aid in my recovery of damages and loss of our home loan due to this error and refiling on my credit reports. This will escalate as this company feels they are above reproach in this area, but I can assure you they are not. Do not take up with this wayward establishment, they are doomed to suffer the karma they have created for themselves. To be continued...

  Business Response

  Date: 11/20/2023

  We are well versed in the ***** and other state and **************** regulations. We absolutely obey and adhere to all collection laws governed by the Fair Debt Collections Practices Act, ************************ and the Attorney General.
  
  Regarding the dispute we received about your account in our office, we have since closed your account as well as placed your account with the ************* Management **************. Your balance is $433.54 and when reporting to *********** they do not recognize cents. Therefore the balance is reflected as $434.00. The last payment on your account is listed on or about February 18, 2019. We have also sent out a UDF form to update our trade line if we have reported.  Thank you for bringing this to our attention and we apologize for any inconvenience this may have caused.

• Initial Complaint

  Date:11/14/2023

  Type:Billing Issues
  Status:

  AnsweredMore info

  Complaint statuses

  Resolved:

  The complainant verified the issue was resolved to their satisfaction.

  Unresolved:

  The business responded to the dispute but failed to make a good faith effort to resolve it.

  Answered:

  The business addressed the issues within the complaint, but the consumer either a) did not accept the response, OR b) did not notify BBB as to their satisfaction.

  Unanswered:

  The business failed to respond to the dispute.

  Unpursuable:

  BBB is unable to locate the business.

  ************* sent me a fraudulent debt collection letter dated October 20, 2023,stating I owed a debt balance to Chase ************** for $5827.26, offering to settle for $2039.54 if received by 11/30/2023. I have never had any kind of account with Chase **************, and I don't believe ************* represents them. They state report *** have been made to Credit Reporting Bureaus. I believe they targeted me because I am an 66 year old elderly person. I have never heard of this company before receiving their letter

  Business Response

  Date: 11/20/2023

  We are well versed in the ***** and other state and local collection regulations. We absolutely obey and adhere to all collection laws governed by the Fair Debt Collections Practices Act, ************************ and the Attorney General.
  
  Were sorry you feel that way.  We take all complaints seriously.  We have no control over what somebody posts about our company on the internet.  We are in good standing with the Secretary of *******************.   Rest assured we are not a fraudulent firm nor did we target you.  Quanta Financial LLC,dba ******** placed this account with **** & Associates, **** on or about April 4, 2021.Therefore, **** & Associates *** does have the right to collect on this debt. 
  
   Regarding the dispute we received about your account in our office, we have since closed said account and we have halted all collection activities. Our firm was informed that there is no documentation available from the original issuer.  This account is beyond the statute of limitations therefore was not reported to the bureaus. If you have any further questions or concerns please contact ***************************** at
  ************.
  
  We apologize for any inconvenience this may have caused.
  
  Thank you,
  *****************************
  Director of Correspondence

  Customer Answer

  Date: 11/20/2023

   The letter I received from you stated it was regarding a a debt from Chase *************** not **************** LLC, dba ********.  And, again I am telling you there is no such debt owed by me to either company.  In fact, I do not have a credit and/or debt account with any company as I have not had any credit cards/accounts or debit cards/accounts for more than 20 years. I also requested information from you as to where you got my name and address.  Your response is not satisfactory to me because it still implies you have a debt file in your office with my name on it, whether open or closed.  I want an acknowledgement from your company your letter was sent to me in error.

  Business Response

  Date: 11/27/2023

  We understand how frustrating this has been for you.   Unfortunately,since the account was placed with us, we are unable to change the information provided to us as we are not the original creditor.  The original creditor is Chase Manhattan Bank.  
  
  We must obey and adhere to all collection laws governed by the Fair Debt Collection Practices Act, Fair Credit Reporting Act, ************************ and the Attorney General. Rest assured this file was closed out as we had previously stated on November 20, 2023.  If you have any further questions or concerns, please contact ***************************** at ************.
  
  We apologize for any inconvenience this may have caused.
  
  Thank you,
  
  
  *****************************
  Director of Correspondence

  Customer Answer

  Date: 12/05/2023

   2nd letter from **** states they would not change information on file because Chase ************** gave it to them.  This is not true - Chase ************** never gave them a file with my name on it to collect a debt.  I did not, do not, nor have I ever had any accounts/loans/debts with Chase **************.   **** has no documentation from Chase ************** to prove otherwise.  I continue to believe this was another fraudulent action by **** and Associates.