ComplaintsforFinancial Credit Network, Inc.

• Initial Complaint

  12/25/2023

  Complaint Type:

  Billing Issues

  Status:

  Resolved

  More info

  I am not liable for this debt with FINANCIAL CREDIT ***** and do not have a contract with FINANCIAL CREDIT *****. They do not provide me with the original application like I asked.

  Business response

  01/02/2024

  Our o?ce is in receipt of the complaint ?led by Ms. ****** ************. We appreciate the opportunity to address **************** concerns. ************** did not specify in her complaint which account she was referring to. After a search of our database, we were able to locate seven accounts for ************** that were assigned to us by our client, ******************.
  Attached, you will find two responses from our office,addressing **************** concerns. ************** continues to dispute the accounts and is refusing to pay. Please note, our office is not required to have a contract with ************** to collect from her. We are only required to have a contract with our client, the service provider.
  Our office has already previously mailed copies of the charges to ************** for her records. Should she have any additional information she wishes to provide regarding the accounts in question, we encourage her to do so. ************** may reach our office at **************.

• Initial Complaint

  12/18/2023

  Complaint Type:

  Order Issues

  Status:

  Answered

  More info

  I am not liable for this debt with Financial Credit Network, **** I do not have a contract with Financial Credit Network, inc. They did not provide me with the original contract as I requested.

  Business response

  12/19/2023

  Our o?ce is in receipt of the complaint ?led by *********************************************. We appreciate the opportunity to address Mr. ********** concerns. ********************* did not specify in his complaint which account he was referring to. After a search of our database, we were able to locate two accounts for ********************** that were assigned to us by our client, ****************. One account was assigned to ********** on June 28, 2021, and the other was assigned to us on August 12, 2022.
  Other than receiving multiple disputes filed directly with the credit bureaus, this complaint is the first time our office has heard from **********************. Per Mr. ********** request via his BBB complaint, we will request a copy of the charges from our client and mail them out to the address provided with his complaint. Please note, if ********************** is needing more detailed information regarding the charges, he may want to reach out to the **************** to obtain his ************ Reports.
  At this time, Mr. ********** credit report has been accurately updated to re?ect unresolved disputes. Should ********************** have any further questions or concerns after reviewing the copies of the charges, he may reach out to our o?ce at ************** for assistance.

  Customer response

  12/19/2023

   I am rejecting this response because: I do not believe either one of these accounts belong to me, please provide documentation(something with my signature) proving these accounts belong to me thanks
  
  
  

• Initial Complaint

  12/13/2023

  Complaint Type:

  Order Issues

  Status:

  Resolved

  More info

  I am not liable for this debt with CAL water service. I do not have a contract with Financial credit network. They did not provide me with the original contract as requested.

  Business response

  12/19/2023

  Our o?ce is in receipt of the complaint ?led by Ms. ************** We appreciate the opportunity to address Ms. ******* concerns. Ms. ******* account was assigned to ********** on November 26, 2019, by our client, ********** ************* for services provided at ********************************************************************
  Receiving this complaint is the first time our office has had any correspondence with Ms. ******* other than when we sent out her validation notice back on November 27, 2019. Per Ms. ******* request via her BBB complaint, we will request a copy of the charges from our client and mail them out to the address provided with her complaint. Please note, utility services such as these are usually established online or over the phone, therefore a contract or a signature is not required.
  At this time, Ms. ******* credit report has been accurately updated to re?ect an unresolved dispute. Should Ms. ****** have any further questions or concerns after reviewing the copy of the charges, she may reach out to our o?ce at ************** for assistance.

• Initial Complaint

  09/29/2023

  Complaint Type:

  Order Issues

  Status:

  Resolved

  More info

  Financial Credit Network and I do not have a contract, and they did not give me the original contract as I had requested, so I am not responsible for this obligation with ******************.

  Business response

  10/04/2023

  Our office is in receipt of the complaint filed by *****************************. We appreciate the opportunity to address Mr. ******* concerns. Mr.******* account was assigned to our agency on September 22, 2021, by our client, ******************.
  **************** states in his complaint, he does not have a contract with our office, and we did not give him the original contract as requested. Upon a thorough investigation of our records, at no point did **************** request validation from our office. We would also like to advise; our office and ****************** have a business associate agreement. Our client has a contract with us to collect from consumers who fail to pay them. We are not required to have a contract with **************** in order to collect from him, we are only required to have a contract with our client.
  On the date of service in question, **************** was evaluated and therefore assessed this charge for services rendered to him. **************** paid his account in increments throughout 2021 and 2023, paying the balance off on September 8, 2023.
  We would like to remind ****************, due to recent changes of medical debt reporting to the three Credit ******************* all paid medical debt reporting on consumer reports will be deleted and no longer reported. We ask that **************** please allow the Credit ****************** 60 90 days to update their records.
  Should **************** have any further questions or concerns, he may contact our office at **************.

• Initial Complaint

  09/07/2023

  Complaint Type:

  Customer Service Issues

  Status:

  Resolved

  More info

  I am not liable for this debt with ********** metro fire District. I do not have a contract with Financial Credit Network, they did not provide me with the original contract as requested.

  Business response

  09/08/2023

  Our office is in receipt of the complaint filed by *********************************. We appreciate the opportunity to address the concerns ******************** expressed in his complaint. Mr. ********* account was assigned to ********** by our client ********** Metro Fire District on April 17, 2020, for services rendered on August 9, 2019.
  Our office has not received any correspondence from ******************** other than disputes he has filed directly through the credit bureaus. This BBB complaint is the only other interaction we have had with ********************.
  At this time, Mr. ********* credit report is accurately reflecting an unresolved dispute. We will request a copy of the charges and mail them out to him for his records. Should ******************** require more information, we encourage him to contact ********** Metro Fire District and request a copy of his ************ Report. If ******************** wishes to further discuss this matter or have any further information he has not yet provided, he may reach out to our office at **************.

• Initial Complaint

  07/09/2023

  Complaint Type:

  Customer Service Issues

  Status:

  Resolved

  More info

  I am not liable for this debt with Financial Credit Network, Inc I do not have a contract with Financial Credit Network, They did not provide me with the original contract as requested

  Business response

  07/13/2023

  Our office is in receipt of the complaint filed by Ms. ***** **** regarding the account assigned to our agency for collection. We appreciate the opportunity to address Ms. ****’s concerns regarding her account. Ms. ****’s account was assigned to our agency on October 29, 2019, by our client ******** ***** *** ***** ******** **********.
  On October 31, 2019, our office mailed Ms. **** her notice of rights. Unfortunately, on November 20, 2019, our office received notification of returned mail. On January 6, 2020, Ms. **** filed a dispute directly with the credit bureaus claiming the account was not hers but did not provide any supporting documentation. A few months later, on April 27, 2020, Ms. **** called our office from a phone number ending in ****. Ms. **** expressed her dispute to our representative at that time. Our representative advised Ms. **** to send her dispute to us in writing so we could forward it over to our client for further review. On May 1, 2020, our office received Ms. ****’s detailed dispute letter. Five days later, we mailed her a copy of the charges and then on May 11, 2020, we mailed her dispute to our client for further review.
  Our client responded to Ms. ****’s dispute on May 26, 2020, and three days later on May 29, 2020, we mailed a letter to Ms. **** detailing our client’s findings. On June 15, 2020, our office called Ms. **** to discuss the outcome of her dispute. Unfortunately, Ms. **** disagreed with our client’s determination and said she refused to pay the charge.
  Our office received Ms. ****’s CFPB complaint on September 9, 2021, and responded with a similar response as stated above on September 23, 2021. Since then, no response has been received other than additional disputes Ms. **** has continued to file with the credit bureaus.
  We would also like to advise; we are not required to have a contract with Ms. ***** in order to collect from her. We are only required to have a contract with the service provider, our client.
  Upon a thorough review of Ms. ****’s account, we find no merit to her claims. As you can see from the timeline and sequence of events listed above, we had numerous successful interactions with Ms. **** less than six months after the account was assigned to us. At this time, Ms. ****’s credit report is still accurately reflecting an unresolved disputed account. Should Ms. **** have any further information she has not yet provided or if there are any special circumstances we need to consider, we encourage her to call us so we may further discuss the matter. We encourage her to call our office at ***** *******1 with any further questions or concerns she may have.

• Initial Complaint

  04/19/2023

  Complaint Type:

  Service or Repair Issues

  Status:

  Answered

  More info

  This company Financial Credit Network Inc., fraudulently reporting inaccurate information on my credit report, they’re a fraudulent company misuse of information refuse to provide the consumer with proof, I’ve been in contact with them on several occasions requesting proof. I even contact the allege original creditor whom doesn’t have accurate information as well. I’m requesting proof of this alleged debt with supporting documents otherwise they will face legal action.

  Business response

  04/24/2023

  Thank you for your patience while Ms. ******* complaint is being reviewed in our office. Our office will require additional time to gather all information necessary to accurately respond to Ms. ******* complaint. A response to Ms. ******* complaint will be issued no later than April 28, 2023. Thank you.

  Customer response

  05/03/2023

   I am rejecting this response because:
  
  Thank you for taking my call today. I have not heard from Financial Credit Network Inc. per FCN ( Financial Credit Network Inc) a response to me WILL be issued no later than  April 28,2023. We are in May 2nd 2023, no response. I am requesting they remove negative reporting to ALL credit bureaus immediately!
  
  Thank you,
  

  Business response

  05/04/2023

  Our office is in receipt of the complaint filed by Ms. ****** * *****. Ms. ***** did not specify which account she was referring to in her complaint. With that said, Ms. ***** has two active accounts reporting to the credit bureaus. The two accounts in question were assigned to our agency by our client, City of **********. Ms. ***** also has two other accounts assigned to us by the City of **********, totaling four outstanding accounts.
  Upon recent review of Ms. *****’s accounts, our office never received a request for validation on either of the actively reporting accounts. She did however provide identity theft documentation. Upon review of the documentation Ms. ***** provided to us, the affidavit provided had some irregularities. The current address section was crossed out and updated with a different color ink pen than the rest of the document. Based on what appears to be blacked out in section 6 of the affidavit, “I have lived at this address since”, the year appears to be 2018, but was updated to 2017, again, with a different color ink pen. This information is relevant as it would be necessary for our client to consider the identity theft claim. Also, the address **** ******* ** was listed as Ms. *****’s address on section 17 of the affidavit and states “moved” with either the year 2011 or 2017 listed, however it is illegible. Again, this information is relevant. And finally, the images taken from Ms. *****’s social media are insufficient and unrelated as none of the dates match the dates of services of the accounts in question. All of this information was reviewed by our client.
  Due to the concerns listed above in order to confirm whether these accounts are fraudulent or not it would be necessary to confirm Ms. *****’s place of residence. As of right now, our client is unable to waive the charges due to insufficient supporting documentation. In order to further review Ms. *****’s claim our client is needing additional supporting documentation that supports each account in question. Sufficient documentation that would be acceptable would be utility bills, lease agreements, and/or bank statements, financial records/statements that may prove Ms. ***** was out of town during the time of the incidents. We would need proof of residency for the dates of service, January 11, 2018, and April 24,2020.
  If Ms. ***** is claiming identity theft on ALL FOUR accounts in our office, then we will also need proof of residency for the dates on June 6, 2010, and July 18, 2014. Ms. ***** will need to provide an updated and completed FTC Identity Theft Report found online at ***************** or by calling (877) 438-4338. Or she also has the option to provide a police report if she chooses to do so. We request Ms. ***** provide the above requested documents within 30 days of this response. She may mail them to us at PO Box 3084, Visalia, CA 93278, email to [email protected] or fax to 559-733-0588.
  With that said, after careful consideration and a thorough review of Ms. *****’s accounts, we have decided to make an exception and have these accounts removed from her credit report due to returned mail. We ask that she please allow the credit bureaus 60-90 days to make these changes. Should Ms. ***** go through the identity theft process and our client find her not responsible, then she will be absolved of the charges. However, if our client does find her responsible, she will still be held responsible for the charges. Should Ms. ***** have any questions or concerns, we encourage her to call our office at (800) 540-9011 for assistance.

• Initial Complaint

  04/12/2023

  Complaint Type:

  Billing Issues

  Status:

  Resolved

  More info

  I called to close my water service account when I moved. I had no outstanding balance. Later, I saw this collection pop up on my credit report. I disputed this through Transunion numerous times to no avail. I even added documentation proving I moved out on one of the disputes.

  Business response

  04/14/2023

  Our office is in receipt of the complaint filed by Ms. ******* *******. We appreciate the opportunity to address Ms. *******’s concerns. Ms. *******’s account was assigned to our agency by our client, California Water Service on September 25, 2019, for services provided at **** ****** **** ********* ** **********.
  Our office has received several disputes that Ms. ******* has filed directly with the credit bureaus. The images Ms. ******* provided with one of her disputes is illegible. If Ms. ******* disconnected services prior to July 24, 2019, we will need proof that she disconnected services. Until then, our office will request a copy of the charges from our client and mail them out to Ms. ******* upon receipt for her records.
  At this time, Ms. *******’s account is accurately reflecting an unresolved dispute. Should Ms. ******* have any further questions or concerns regarding the account in question, we encourage her to contact our office at (800) 540-9011 to speak to one of our representatives.

• Initial Complaint

  03/08/2023

  Complaint Type:

  Billing Issues

  Status:

  Resolved

  More info

  Complaint Details: am not liable for this debt with (FINANCIAL CREDIT NETWORK) and do not have a contract with (FINANCIAL CREDIT NETWORK) They did not provide me with the original appication like I asked. Desired Outcome/Settlement Desired Settlement: According to the Fair Credit Reporting Act, Section 609 a) 1) A), you are required by federal law to verify - through the physical verification of the original signed consumer contract - any and all accounts you post on a credit report. Otherwise, anyone paying for your reporting services could fax, mail or email in a fraudulent account. I demand to see Verifiable Proof (an original Consumer Contract with my Signature on it) you have on file of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit. Under the FCRA, unverified accounts must be removed and if you are unable to provide me a copy of verifiable proof, you must remove the accounts listed below. Corrections to my credit report; I demand this account be deleted from my credit report Name: FINANCIAL CREDIT NETWORK Amount: $772 Address: 1*** * **** ** VISALIA, CA 93291 Account number: ******** Date opened: Jul 14, 2022 Account type: Collection Phone: ***** ********

  Business response

  03/13/2023

  Our office is in receipt of the complaint filed by Mr. ****** ***. We appreciate the opportunity to address the concerns Mr. *** expressed in his complaint. Mr. ***** account was assigned to our agency by our client San Diego Gas and Electric on July 14, 2022, for services provided at **** * ** *** ** *** ****** ** ******

  Our office spoke with Mr. *** on July 29, 2022, regarding the account in question. At the time of our conversation, Mr. *** claimed to be a victim of identity theft as he claimed to never have lived at the address in question and never established services in his name. Mr. *** was directed by our office to go through the identity theft process so we could potentially absolve him of the charges. Unfortunately, Mr. *** did not provide our office with the required documentation necessary for us to investigate his claim.

  The next time we heard from Mr. *** was on February 13, 2023, when he called our office. Again, our representative advised Mr. *** if he did not live at the address in question, he would need to go through the identity theft process. Mr. *** said he would look further into it and call us back. Mr. *** did call our office back on March 1, 2023, claiming he paid the charge but did not have any details or proof of payment. Mr. *** took our agency’s email down to provide our office with proof of payment, however we never received anything from him. Mr. *** called our office again on March 8, 2023, to inquire about a settlement. Our representative advised Mr. *** we are not authorized to settle on the account. Mr. *** ultimately hung up on our representative mid-sentence.

  At this time, Mr. *** still has a balance due. We would like to remind Mr. ***, most utility service such as gas and electricity are established online or over the phone, therefore a signature or “contract” is not required. At this time, Mr. ***** credit report is accurately reflecting an unresolved dispute. Mr. *** mentioned in his complaint that he would like no further contact from our agency. With that said, we will request a copy of the charges for his records and mail them out to him as our last communication with him. Should Mr. *** wish to further discuss this matter, he will need to contact our office to open up the lines of communication.

• Initial Complaint

  02/25/2023

  Complaint Type:

  Billing Issues

  Status:

  Resolved

  More info

  Utility bill was fraudulently kept in my name by landlord for personal use after I moved out the charges that I’m being penalized for were not accrued by me therefore I am not responsible to make the payment and would like to request it to be removed from my credit

  Business response

  03/02/2023

  Our office is in receipt of the complaint filed by Ms. ****** ********* regarding the account assigned to our agency by our client, City of Fresno UBC for services provided at **** * ***** **** ******* ** *****. Per Ms* **********s complaint, she claims the utility bill was fraudulently kept in her name by her landlord upon moving out.

  Records show, Ms. ********* had service in her name from March 3, 2017, to November 13, 2018. It is the responsibility of the account holder to contact the City to stop service upon move out. If Ms. ********* had some type of agreement with her landlord regarding utility service, then she will need to get in touch with her landlord to discuss the issue. This appears to be a civil matter between Ms. ********* and her landlord, not the City of Fresno.

  If Ms. ********* has proof she contacted the City to stop service in her name, she may provide that proof to our office for further review. However, at this time, since Ms. ********* was the account holder, she is the party responsible for this balance.

  At this time, Ms* **********s credit report is accurately reflecting an unresolved dispute. Should Ms. ********* wish to further discuss this account, or should she have any further information she would like to provide our office, we encourage her to contact us at (8*** ********.

*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. ↩