Colony Brands, Inc.

his debt collector has done unjustifiable practices of the FDCPA which it prohibits. They furnished this account that we didn't agree upon and I didn't sign an agreement on. A legal contract is signed by XXXX parties and I did not participate in any of it. they didn't follow the proper XXXX validation procedure. According to the FDCPA, XXXX entitled to compensation for these violations and clearly, they violated my rights and abused my privileges. I demand this account be taken off immediately.

2 bnpl accounts. My monthly minimum is so high it's causing financial hardship. I paid {$1900.00} between both accounts last month which was actually 2 additional monthly payments. I only owe a little over {$500.00} on each account yet my monthly minimum remains at {$55.00} each account subjecting me to pay {$110.00} each month which is causing me financial hardship. I paid both accounts more than halfway down so I could have a more manageable monthly payment. This is not only forcing me to have to stop paying and ruin my credit that I've only been trying to rebuild since I became XXXX and now live on a fixed income but this seems very unfair for those of us struggling to pay our bills off and this business practice just traps us in a never ending cycle which just harms us. Financial Hardship and Trapping Consumers : This payment structure does not scale down as the debt decreases.…

Company has not been in business for many years and is still somehow being verified as accurate on my credit reports. Requested verification from company and they fail to provide legal and valid proof of the debt they are reporting and presumably verifying for the credit bureaus. How is this possible? Who is verifying this information and what information is being used to validate their claims of debt? This is illegal reporting. Furthermore this company is violating my rights by continually re-aging a debt they never legally verified.

Company has not been in business for many years and is still somehow being verified as accurate on my credit reports. Requested verification from company and they fail to provide legal and valid proof of the debt they are reporting and presumably verifying for the credit bureaus. How is this possible? Who is verifying this information and what information is being used to validate their claims of debt? This is illegal reporting. Furthermore this company is violating my rights by continually re-aging a debt they never legally verified.

I am formally disputing this account because it appears to be reporting beyond the allowable reporting period under the Fair Credit Reporting Act ( FCRA ). The account has been closed for over seven years and should no longer appear on my credit report. Under FCRA Section 605 ( a ), negative accounts, including charged-off and delinquent accounts, generally can not be reported longer than seven years from the original delinquency date. I am requesting a full investigation into the reporting history and original delinquency date of this account.

Company name Montgomery ward, Wisconsin XX/XX/year> my identity was stolen and a thief opened an count in my name at the above company. I communicated with them multiple times and informed them that this was fraud ( XXXX warned me about the account and that is how I got their information ) They still proceeded with processing the order and mailed it. They claim it was delivered to by house based in my request and kept sending me the bill for an order I never did. Now they sent me to a collection agency and ruined my credit. It is shocking for me how easy it is to ruin somebodys credit

My son, XXXX XXXX, who lives in Texas sent me a birthday gift which arrived to me, in Ohio, in XXXX. Then I received a paper bill from Montgomery Ward that was in my name. I never applied for credit with that company. My son thought it would go on his account. I contacted Montgomery Ward and told them that my son never had me pay for gifts from him and I said to put the balance due on his own credit account. The CSR, " XXXX '' told me that he checked something when ordering that meant that the bill was to be sent to me. She told me to fax the info and I stated no and told her to remove me from that credit since I never gave my permission. She got irate with me and I hung up. My son then called Montgomery Ward and told them to put my balance on his account which should have been done when he ordered my gift. The same CSR, XXXX, then told him to send a copy of the bill sent to me. I texted my son the copy. Then I got another bill. I called my son who then called Montgomery Ward again.…

A family member order my son a XXXX basket, and a buy now, pay later credit account was created in my name.

I am filing a formal complaint against Colony Brands XXXX XXXX for unfair billing practices, systemic computational errors within their consumer portals, technical blocks preventing account management, and unlawful, coercive debt collection tactics. Despite documenting and executing timely payments in complete good faith, the creditor 's digital infrastructure reflects severe data discrepancies, contradictory account flags, and a total system lockout ( HTTP Error XXXX ) that actively bars me from managing my accounts. Furthermore, corporate representatives have explicitly refused to process normal payments unless a separate, time-barred account from approximately 15 years ago is satisfied first. Exhaustive, chronologically organized proof of these systemic and regulatory violations is attached in the accompanying XXXX master packet.

I am writing to formally request debt validation for a collection account mentioned in a letter I recently received. Under my rights through the Fair Debt Collection Practices Act ( FDCPA ), I ask that your office provide clear proof that the debt is valid. This should include the name of the original creditor, the amount owed, a full payment record, and proof that I am responsible for this debt. I am making this request to ensure the information being reported is accurate and not the result of a mistake, fraud, or confusion. While waiting for proper validation, I ask that you pause all collection activity and reporting related to this account, as allowed by law.

On XX/XX/XXXX, I was notified that there were changes to my credit scores through XXXX XXXX and XXXX. When I checked to see what was going on, I noticed that my credit scores had decreased by XXXX points. The reason for the decrease was due to an increased balance of an account with Montgomery Ward that was opened on XX/XX/XXXX, without my approval or authorization during a credit freeze that I had put in place through XXXX XXXX. When I reached out to XXXX XXXX internal office, I informed them of what had taken place. They informed me that they couldnt see any accounts linked to my name, birth date, or social security number. I informed them that there is an account linked to my social and appearing on my credit and need it removed. They informed me that there was nothing they could do because they didnt notice anything about said account on their end. They informed me to get in touch with the credit bureaus.…

I checked my credit report and none of the credit or loans in my name I didn't open

I have disputed this debt on my XXXX XXXX account multiple times with each time being denied. I am the victim of identity theft as reported to the ftc and the XXXX attorney general. Someone stole all my info and used it to open up credit in my name charging XXXX of dollars to my credit report. I cant remember the dates or times because I have short term memory loss but I have written notes on what was disputed. This isn't my account.

I have disputed this debt on my XXXX XXXX account multiple times with each time being denied. I am the victim of identity theft as reported to the ftc and the nys attorney general. Someone stole all my info and used it to open up credit in my name charging XXXX of dollars to my credit report. I cant remember the dates or times because I have short term memory loss but I have written notes on what was disputed. This isn't my account.

I have disputed this debt on my XXXX XXXX account multiple times with each time being denied. I am the victim of identity theft as reported to the ftc and the nys attorney general. Someone stole all my info and used it to open up credit in my name and buy many things. I cant remember the dates or times because I have short term memory loss but I have written notes on what I called about and disputed. This isn't my account.

This debt shows on my credit report from 2020 to address I was not at and also I have no knowledge of this account nor received any validation of it.

I requested th\e original purchase contract/ agreement for seventh Ave as I have no knowledge why company this even is.. I have never received this information. This account has been charged off for quite a long time and is still showing up. even when requested to be removed numerous times. it was removed once and then put back on report.

I have emailed Ginnys and sent them at least letters requesting debt validation from them as well. Ginnys replied to an email that I sent them on XX/XX/XXXX stating that the debt they say I owe had been referred to XXXX XXXX. I then sent XXXX XXXX a validation letter on XX/XX/XXXX and as of today, XX/XX/XXXX, I have not received any validation, or documentation from Ginnys or XXXX XXXX. However, while my requests are being ignored, Ginnys continues to be reported negatively on XXXX XXXX & XXXX credit reports, which is a violation of my rights in active effort to hurt my credit.

I was a victim of predatory lending practices by Montgomery Ward. The loan terms were unfair and misleading, and the account is being reported inaccurately. I dispute the accuracy, validity, ownership, and legal enforceability of this account. Under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681 requires that all information reported be fair, accurate, complete, and fully verified. Furthermore, XXXX hold both credit bureaus and furnishers liable for reporting false, misleading, or unverifiable information. I am requesting a full reinvestigation, including but not limited to : Verification using original signed contract ( XXXX ) Documentation showing the account was reported with maximum possible accuracy The method of verification used to confirm this account If XXXX XXXX XXXX can not provide original, competent, and verifiable documentation, this account must be deleted immediately from my credit file pursuant to the FCRA.…

I was a victim of predatory lending practices by Ginnys. The loan terms were unfair and misleading, and the account is being reported inaccurately. I dispute the accuracy, validity, ownership, and legal enforceability of this account. Under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681 requires that all information reported be fair, accurate, complete, and fully verified. Furthermore, 616617 hold both credit bureaus and furnishers liable for reporting false, misleading, or unverifiable information. I am requesting a full reinvestigation, including but not limited to : Verification using original signed contract ( s ) Documentation showing the account was reported with maximum possible accuracy The method of verification used to confirm this account If XXXX XXXX Bank can not provide original, competent, and verifiable documentation, this account must be deleted immediately from my credit file pursuant to the FCRA.…

XXXX XXXX LAST PAYMENT XXXX XXXX I HAVE A {$0.00} BALANCE. XXXXXXXX XXXX XXXX LAST PAYMENT XX/XX/year> I HAVE A {$0.00} BALANCE. PLEASE REMOVE OFF MY CREDIT REPORT. THE ONLY OPEN, UP TO DATE ACCOUNT I SHOULD HAVE IS XXXX XXXX AND XXXX 'S. EVERTHING ELSE SHOULD BE REMOVED

( XX/XX/XXXX ) I have been paying on the Montgomery Ward balance since XX/XX/XXXX the original balance was {$740.00}. As of today, the balance is {$410.00}. I contacted the company XXXX XXXX XXXX XXXX XXXX ) that accept the payment on behalf of the Montgomery Ward to settle the account which would be 50 % of the balance and was told the balance is {$480.00} and that Montgomery Ward has not sent any payment updates since XX/XX/XXXX. I contacted Montgomery Ward and was told to have XXXX XXXX XXXX XXXX contact them to obtain the correct balance so I can settle the debt. I then called XXXX XXXX XXXX XXXX back and spoke with XXXX XXXX direct line XXXX ) and was told they don't do that I would have to pay 50 % of the {$480.00} and I explained that is not the correct balance and he said there is nothing he can do and ended the call.…

On XX/XX/XXXX, I received the attached letter dated XX/XX/XXXX from Country Door in XXXX, WI. The letter includes an account number. A sentence in the letter says " Due to a lack of activity on your Country Door Credit Account, it will soon be closed, and you'll lose access to your hard-earned credit limit of {$2000.00}. '' I have never requested or authorized a Credit Account with this company. I called the number on the letter on XX/XX/XXXX and asked who opened this Credit Account with them. They did not answer the question. Instead, they used the account number to look up the account and told me that I placed an order for something from them in XX/XX/XXXX. I explained that I did order something from them, but I paid for it with my XXXX XXXX XXXX card. I did not accept any offer of credit from them. I asked again how they opened the Credit Account without my consent, which is fraudulent. The response was that since I have no balance due to them, I have no account.…

I have been receiving bills for a Montgomery Ward credit card that I never applied for. When I first received this bill, I tried to call the company and no one answered. There was no automated answering service. There was no way to speak with anyone. I called a few months later and was able to speak to someone and tell them that this was not my credit card, and I needed to know what was purchased and when since it is not on the bill. They only asked me if I wanted to make a payment. I did not. I received another bill in the mail yesterday. This bill has shown up on my credit report as well.

I called Midnight Velvet on XX/XX/scrub>XXXX XXXX XXXX XXXX XXXX XXXX to inquire as to when I will receive my refund ( {$130.00} ) for the items returned to them and the customer service representative gave me such a hard time I requested to speak to a supervisor and she placed me on hold for such a long time I hung up the phone and called back and a supervisor by the referenced number XXXX, in XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year>. After she put me through XXXX and confirmed my information in her system then she stated I should receive my refund by XX/XX/year>. This issue is stemming from the initial issue concerning the same items from XX/XX/year>.

This company trying to collect a debt from me when they received the product back

I received a bill from Montgomery Wards on XX/XX/year>. I called them and they took all the information from me. Told me they put a fraud alert up. Some of the packages went to, XXXX, and XXXX, and XXXX. I received 5 packages since. I have tried to have them give me return labels. but can not get ant were I also file a fraud alert with the Police. I keep getting packages I did not order. I want it to STOP!!!!!!!! Thank you. The Police said that this is a Scam.

Ashro account is not mine included in bankruptcy. But still reporting negative.

A collection account is being reported on my credit file that has not been properly validated. I exercised my rights under the Fair Debt Collection Practices Act ( FDCPA ) by requesting validation of the alleged debt. The furnisher failed to provide any legitimate documentation proving that the debt is mine, that the amount is accurate, or that they have the legal authority to collect it. Despite the lack of verification, this account continues to appear on my credit report, which constitutes a violation of the Fair Credit Reporting Act ( FCRA ) requiring only accurate and verifiable information to be reported. The continued reporting of an unvalidated account is inaccurate and misleading.

Account shows as charged off and paid in 2021. If the account is charged off I did not receive a 1099, if it is paid, why is it showing as charged off?