ComplaintsforDyck-O'Neal, Inc.

• Initial Complaint

  01/17/2024

  Complaint Type:

  Billing Issues

  Status:

  Answered

  More info

  I called them Friday, 1-12-24 @ 11:07am to see if I had an account with them. Their name came up on MERS website. They ran my social security number and told me I did not have an account with them. My credit union called them and sent lien release papers same say. On Tiesday, 1-16-24 they sent payoff papers for $17k. I was told original loan was from 2005 for $17,600 and balance in 2024 is $17,300 because they removed interest. I asked how can I not have an account at all on Friday and $17k on Tuesday. I do not have a contract with them. My contract was with SouthStar, who is no longer in business. I am not sure loan was ever funded. Sounds very fraudulent to me.

  Business response

  01/18/2024

  We have had numerous telephone conversations and correspondence with consumer over the years.  She has been sent verification of debt, and is well aware that we have the lien on the property.  We have even waived interest and late fees in an effort to help her with this matter.  At one point she commenced making payments, then stopped.  We are not aware of what more we can do.  This valid lien remains in place.

  Customer response

  01/21/2024

  I want to understand how I did not have an account on Friday, but when the credit union requested a lien release, I suddenly had an account.  I was told the original loan amount was $17k. There are no documents that supports this. I would like paperwork showing an agreement between me and D*** ****** as well as all account activity.  

  Customer response

  01/25/2024

  I am rejecting this response because:   

  I want to understand how I did not have an account on Friday, but when the credit union requested a lien release, I suddenly had an account.  I was told the original loan amount was $17k. There are no documents that supports this. I would like paperwork showing an agreement between me and D*** ****** as well as all account activity.  

  Business response

  01/25/2024

  "I want to understand how I did not have an account on Friday, but when the credit union requested a lien release, I suddenly had an account. "

  Probably the receptionist who answered the phone misunderstood or mistyped the social security number and gave wrong information by mistake.

  As we have sent consumer over 50 pieces of correspondence over the years, and have a long relationship of dealing with her and talking to her, we do not believe that a single misunderstood telephone contact (which we have no proof of) is relevant to this account.  We have been more than fair in our offer to waive all interest and late fees.  

   

   

  Customer response

  01/25/2024

  I am rejecting this response because:   I have not received requested documentation.  I would like copies of all account activity and signed loan documents that show original loan amount of $17K. 

  Customer response

  01/26/2024

  I am rejecting this response: I am not saying I didn't have a loan but it should've been paid off from refinance in 2008. I went to website and entered my information and received a message that said my social and account number were invalid.  I still have not received requested documentation.  I have attached video.

  Business response

  03/05/2024

  ******************* has  reviewed and investigated  *********************** complaint, and we dispute many of her allegations. While it may be correct that our receptionist did not enter her correct information into the system at the time of her call, over the past 18 years that we have had this account, our records show that we have sent **************************** in excess of 30 letters to the address listed on the complaint. Among the correspondence sent, was a Validation of Debt, detailing exactly what this debt was for.  Additionally, we have spoken to her on numerous occasions over the previously mentioned timeframe.
  

  ***************************** states in her complaint "I am not saying I didn't have a loan but it should've been paid off from refinance in 2008. I went to website and entered my information and received a message that said my social and account number were invalid." This cannot be true, as our website does not have a function allowing consumers to input their social security number.
  

  If ***************************** wants to amicably resolve this situation, we encourage her to contact our office.

• Initial Complaint

  07/14/2023

  Complaint Type:

  Billing Issues

  Status:

  Resolved

  More info

  I am writing to formally dispute the re-aging of a collection account on my credit report ************************ The account in question is with *****************, and the account number is ******** It has come to my attention that this account has been re-aged multiple times, which is illegal under the Fair Credit Reporting Act (FCRA), also the debt is more than 7 years old. The account was opened on 04/01/2015 and the date of last activity is 03/01/2016. Under the ***** a collection account can only remain on a consumer's credit report for seven years from the date of first delinquency. Re-aging an account is a direct violation of this rule, and I request that you investigate this matter immediately. In accordance with the ***** I have the right to dispute inaccurate or outdated information on my credit report. As such, I kindly request that you remove this account from my credit report, as its presence is causing significant harm to my credit score and my ability to obtain credit. Please find attached a copy of my credit report with the re-aged account highlighted for your reference. I also request that you provide me with written confirmation once this account has been removed from my credit report. Under the ***** a collection account can only remain on a consumer's credit report for seven years from the date of first delinquency. Re-aging an account is a direct violation of this rule, and I request that you investigate this matter immediately. In accordance with the ***** I have the right to dispute inaccurate or outdated information on my credit report. As such, I kindly request that you remove this account from my credit report, as its presence is causing significant harm to my credit score and my ability to obtain credit. This is my last resort before I will have to take legal action.

  Business response

  07/14/2023

  This is a duplicate complaint.  Consumer complained to the **** and we answered his concerns at that time. 

  Customer response

  07/14/2023

  I have reviewed the business response and accept this resolution. 

• Initial Complaint

  04/26/2023

  Complaint Type:

  Service or Repair Issues

  Status:

  Answered

  More info

  ***************** charged my two separate bank accounts of mine in the amount of $72.77 for the months of Feb, March and April 2023. They were double billing me without authorization to do so but crediting my ***************** account for just $72.77. This error was brought to their attention after the April withdrawal to my account, at which point they were directed to return the February, March and April payments to the account that was inappropriately debited. They screwed that up but I resolved through internal transfers. My biggest concern is that during the month of March, when they debited my bank account twice and credited my ***************** account once, they also had the audacity to make a late payment, which I just discovered on my credit report. The incompetency is unreal. Had we not been paying attention, we would have had no idea that this had happened to us, both in terms of the double charges and in terms of the late payments. We are asking that (1) our credit report be corrected, (2) ***************** be invested and audited, as they are undoubtedly preying on consumers, and (3) we receive the full transactional history of our account that we requested.Should you require a copy of our credit report, we can provide that. Thank you for your assistance!

  Business response

  05/10/2023

  We do not believe we reported this consumer late, and she refuses to supply proof of a full credit report so that we can investigate with the credit bureaus.  She sent a small screen shot which is not identifiable as to from whom received, when received, or any other pertinent information.  If she can supply a full credit report showing the header and the late information, we can address with the  appropriate bureau.

• Initial Complaint

  04/05/2023

  Complaint Type:

  Billing Issues

  Status:

  Resolved

  More info

  Dyck-O'Neal is falsely reporting on my credit report. They are reporting collections as open installment account. It's an collection account from 2015. I am not liable for this debt and I do not have a contract with Dyck o Neal. They did not provide me with the original application that I asked. This is prohibiting me from achieving life goals as an adult with a family. I can't get employment opportunities because of this situation. I do not owe Dyck O Neal any money because I do not have a signed contract with them. This debt was charged off as paid by Purchasing Power. And sold to Dyck O'Neal, who is falsely reporting this as an installment loan, which it is not. And Dyck O'Neal continuously states that they are a COLLECTION company.

  Business response

  04/05/2023

  We apologize for any errors and we have removed her installment recordings.

  Customer response

  04/05/2023

  I have reviewed the business’ response and accept this resolution. 

• Initial Complaint

  02/16/2023

  Complaint Type:

  Billing Issues

  Status:

  Resolved

  More info

  This company continues to alter dates and statuses at their discretion. On 2 separate instances, I have had them removed from my credit report. Both times coming back as removed. They continue to call and harass using fake phone numbers. I request to be placed on a no call list for this company and further calls from them will be considered harassment and will then be reported to the States Attorney General's office as such.

  Business response

  02/22/2023

  On May 12, 2022 we spoke to someone who identified themselves as the borrower (by name only). Our representative asked him to hold to be transferred and he said "no, I don't have any account with you" then hung up. There has never been a request made to us to stop contacting this person. While we believe our credit reporting is entirely correct, as a courtesy we have removed any delinquent credit reporting which we may have reported from this person's credit report.

  Business response

  02/24/2023

  We regret that consumer does not agree he spoke to us last year. We will not contact him again.

  Customer response

  02/27/2023

  (The consumer indicated he/she ACCEPTED the response from the business.)
  Though I accept this result, the verbiage of their response in and of itself is misleading and mildly condescending. Who should dare to challenge what they say?? My only hope is that others that have had to deal with this company, be confident in the same manner.

• Initial Complaint

  02/14/2023

  Complaint Type:

  Billing Issues

  Status:

  Answered

  More info

  February 11, 2023 Made an attempt to pay off my mortgage and the company refused to give me a pay off amount. I attempted to talk to someone twice.

  Business response

  03/02/2023

  The requested information was emailed to consumer on February 15th. If not received, please let us know.

• Initial Complaint

  12/20/2022

  Complaint Type:

  Billing Issues

  Status:

  Answered

  More info

  I have three collections on my account from a business call purchasing power. Purchasing power sold my debt to ***** ******.The collection started in 2015 and one of the collections was from 2016. The collections fell off of my account because they've been there over 7 years. ***** ****** put the collection back on my credit and they change the date 2018. **** ******* says that 2018 is when they bought the debt. My problem is the original date is from 2015 to 2016 and they keep reporting 2018. The expiration date for my debt does not change because of the debt being sold. Which means it has passed 7 years and the debt is supposed to be removed. I have filed disputes because of the incorrect date. **** ******* refuses to report the original credit date of 2015 &2016 to the credit bureau. They keep reporting the original credit date to 2018. Also d*** ******* put two more collections on my credit. They reported it December 1st 2022 and it says I owe and it says I'm past due $0. They literally added two more collections that says I'm past due $0. And the $0 balance accounts are active and open and they will not take responsibility for putting them on my credit report. They claim they didn't put those on my credit report. The crazy part the two that says $0 actually has the correct dates on. The two that says $0 says 2015 and 2016 but the other ones have 2018.

  Business response

  05/10/2023

  These debts are due and owing.  Any late or negative credit information has been sent to *********** to be removed.  We have made numerous attempts to reach borrower without success.

• Initial Complaint

  09/02/2022

  Complaint Type:

  Billing Issues

  Status:

  Answered

  More info

  Dyck-O'Neal is falsely reporting on my credit report. They are reporting collections as open installment account. It's an collection account from 2015. I am not liable for this debt and I do not have a contract with Dyck o Neal. They did not provide me with the original application that I asked. This is prohibiting me from achieving life goals as an adult with a family. I can't get employment opportunities because of this situation. I do not owe Dyck O Neal any money because I do not have a signed contract with them. This debt was charged off as paid by Purchasing Power. And sold to Dyck O'Neal, who is falsely reporting this as an installment loan, which it is not. And Dyck O'Neal continuously states that they are a COLLECTION company.

  Business response

  11/04/2022

  Business Response /* (1000, 5, 2022/09/13) */ We will report consumer as a debt instead of an installment account per her request. This may take up to 30 days for the change to be reflected with the credit bureaus. Attached are verifications of debt for the accounts.

• Initial Complaint

  06/12/2022

  Complaint Type:

  Billing Issues

  Status:

  Answered

  More info

  I am not liable for this debt with DYCK O'NEAL, and do not have a contract with them. They did not provide me with the original application like I asked.

  Business response

  08/10/2022

  Business Response /* (1000, 7, 2022/07/03) */ Our records indicate that the requested information was sent to Ms. ******* ******* on June 14, 2022.

• Initial Complaint

  05/29/2022

  Complaint Type:

  Billing Issues

  Status:

  Answered

  More info

  15 U.S. Code § 1681s-2 - Responsibilities of furnishers of information to consumer reporting agencies (a) Duty of furnishers of information to provide accurate information (1) Prohibition (A) Reporting information with actual knowledge of errors A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate. DYCK O'NEAL is falsely reporting on my credit report twice this is causing Defamation of my Character they are reporting collections as open installment account. It's a collection account from 2015 this is an old collection account from Purchasing Power that DYCK O'NEAL bought. You are reporting to different Past Due and Balance : on different reports. Equifax says $171.00 and another Equifax reports says $0.00. How is it possible to do this? Then when I tried to dispute the incorrect information, it was removed and put back on my report incorrectly AGAIN. This is prohibiting me from achieve life goals as an adult with a family. I can't get employment opportunities because of this situation. I do not owe DYCK O'NEAL any money because I do not have a signed contract with them. This debt was charged off as paid by Purchasing Power. And sold to DYCK O'Neal, who is falsely reporting this as an installment loan, which it is not. And **** O'Neal continuously states that they are a COLLECTION company. I have the credit report showing the inaccuracies. Thank you for your time and help in this matter. ***** ****** ******

  Business response

  09/14/2022

  Business Response /* (1000, 10, 2022/07/12) */ Verification of Debt was sent to consumer on 11/3/2021 and resent on 7/12/2022. WE are submitting these again here. Consumer Response /* (3000, 12, 2022/07/15) */ (The consumer indicated he/she DID NOT accept the response from the business.) I have multiple attempts to resolve the issue(s) with this company, and also contacted Agency for assistance CFPB, and Attorney General of State of California Department of Justice There is an abundant amount of evidence of abusive, deceptive, and unfair practices and law violation broke by DYCK O'NEAL INC. I will provided factual to show to show this information' According to CFPB § 1006.34 Notice for validation of debts DYCK O'NEAL did not provide me with a proper validation of information required by law. On 07/12/2022 they sent Verification of Debt not validation of debts to the WEB BBB. For this account on my consumer credit report file. DYCK O'NEAL Account: # *3408, *3409. According to CFPB § 1006.34 Notice for validation of debts § 1006.34 Notice for validation of debts (a) Validation information required. (1) In general. Except as provided in paragraph (a ) (2) of this section, a debt collector must provide a consumer with the validation information required by paragraph (c) of this section either: (c) Validation information. Pursuant to paragraph (a) (1) of this section, a debt collector must provide the following validation information. 1. Statement required by § 1006.18(e). Section 1006.34(c) (1) provides that validation information includes the statement required by § 1006.18(e). Section 1006.18(e) (1) requires a debt collector to disclose in its initial communication that the debt collector is attempting to collect a debt and that any information obtained will be used for that purpose. Section 1006.18(e) (2) requires a debt collector to disclose in each subsequent communication that the communication is from a debt collector. A debt collector who provides a validation notice as described in § 1006.34(a) (1)(i)(A) complies with § 1006.34(c)(1) by providing on the validation notice the disclosure required by § 1006.18(e)(1). A debt collector who provides a validation notice as described in § 1006.34(a) (1)(i)(B) complies with § 1006.34(c)(1) by providing either the disclosure required by § 1006.18(e)(1) or the disclosure required by § 1006.18(e)(2). The following example illustrates the rule: Validate Prove it with a wet signature that this account belongs to me. DYCK ONEAL Account Number: *****3408 Validate Prove it with a wet signature that this account belongs to me. DYCK ONEAL Account Number: *****3409 WHERE IS THE PROOF OF THIS INFORMATIONS listed above? Also will upload snapshots of my CFPB complaints, and federally protected consumer right violations under 15 USC 1962, and AFFIDAVIS OF TRUTH, a copy of Exhibit A, and an INVOICE for the violation they broke. Business Response /* (4000, 17, 2022/08/08) */ Consumer has filed the same or similar complaints a number of times with the CFPB and with the BBB. The previous responses are still valid.

*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. ↩