Sequium Asset Solutions, LLC

I am filing a formal complaint against Sequium Asset Solutions , LLC for violating the Fair Debt Collection Practices Act ( FDCPA ) and Fair Credit Reporting Act ( FCRA ) by attempting to collect and report an entirely invalid, fraudulent debt. The original company, XXXX, mistakenly charged me {$220.00} for an internet device after their own representative explicitly instructed me in writing on XX/XX/year>, prior to my move from XXXX to New York on XX/XX/XXXX, to keep the device. I successfully disputed this fraudulent charge with my credit card issuer, XXXX XXXX. Following a formal investigation into XXXXXXXX XXXX billing error, XXXX permanently reversed the funds and credited my account on XX/XX/year>, ruling the charge invalid and leaving a balance of {$0.00} owed. Despite this official financial resolution, Sequium Asset Solutions has placed an inaccurate collection tradeline on my XXXX and XXXX credit files for this exact same {$220.00} balance, damaging my credit score.…

The furnisher and/or collector continues reporting disputed information without providing competent documentary evidence validating the alleged debt. This appears to violate : * FCRA 15 U.S.C. 1681s-2 ( b ), * FCRA 1681e ( b ), * FDCPA 1692e, * FDCPA 1692f, * and FDCPA 1692g. I am requesting : 1. Immediate reinvestigation, 2. Complete validation, 3. Method of verification, 4. Deletion of unverifiable information, 5. Correction of any inaccurate reporting, 6. Confirmation that unlawful re-aging has not occurred. I reserve all rights under UCC 1-308 without prejudice. Sincerely XXXX XXXX

I moved out of altitude apartments in XXXX XXXX my rent was paid in full when I left they are trying to charge me interest on a debt that was never owed of {$800.00}. this company has been sued XXXX XXXX from our XXXX XXXXXXXX XXXX office here in Colorado for fraudulent business practices in the amount of XXXX XXXX of fraudulent charges to tenants this company continues to harass me through emails for a fraudulent debt that I do not owe.

Saw notice on credit report that Sequium Asset Solutions is trying to collect {$8700.00} on debt I did not generate. Date opened XX/XX/XXXX Balance Date XX/XX/XXXX Date reported XX/XX/XXXX Activity - XXXX XXXX XXXX Original Lender - XXXX XXXX XXXX Account type - Not reported Responsibility - Individual Account info - XXXX Age of account - 2 months as of XX/XX/XXXX Derogatory account status Credit Limit - Not reported Highest Balance - {$8700.00} Lender Info - XXXX XXXX XXXX XXXX XXXX, XXXXXXXX XXXX XXXX My credit is frozen with XXXX, XXXX, and XXXX and has been since XXXX when first identity theft occurred. I did not create this account and it is fraudulent. I spoke with XXXX and they began a formal dispute and told me to contact CFPB as well. XXXX said the account was used to pay for rent or lease on a property that I do not own or am associated with.

Company Name : XXXX XXXX XXXX XXXX Sequium Asset Solutions , LLC Description of Issue : I am filing a formal dispute regarding a flawed billing and debt collection matter involving XXXX ( Account ending in XXXX ) and their designated collection agency, Sequium Asset Solutions , LLC ( Reference : XXXX ). In XX/XX/year>, I repeatedly requested the cancellation of my XXXX internet services via the provider 's automated application chatbot. Due to system processing failures on XXXX 's end, the cancellation was delayed, resulting in un-authorized overlapping service charges into XXXX and XXXX, alongside an incorrect {$140.00} early termination fee. XXXX has my active payment credentials on file and historically processes automated monthly charges without issue. Rather than utilizing this payment methodwhich confirms internal systemic flags recognized this balance as a backend error rather than a consumer delinquencyXfinity immediately processed a " XXXX XXXX '' on XX/XX/year>.…

I had a XXXX bill for Mobile service and WiFi service but switched to a different carrier,, I was told to send in my WiFi equipment, I did and have sent them the ups confirmation multiple times and are still charging me for it,, contacted the collection agency months ago gave them all info they said they would be in touch and I have now tried to contact them multiple times and havent heard anything,, Im being charged {$1300.00} when it should be a little over {$800.00} and I said I would be willing to pay once fixed

I called on XX/XX/year> to settle this debt. During a hand-off, I overheard an employee, XXXX ( I think ), speak to the XXXX XXXX, about me speaking to another employee, XXXX, about me. When I confronted them, they refused to acknowledge their rude, unprofessional manner. Very dismissive.

I discovered inconsistent and potentially inaccurate debt collection reporting related to an alleged XXXX XXXX account. On or around XX/XX/year>, I reviewed my credit/account information and noticed that XXXX XXXX XXXX XXXX was reporting a collection account with a balance of approximately {$530.00}. The account was reported as opened on or around XX/XX/year>. I also received a separate collection communication from Sequium Asset Solutions regarding what appears to be the same XXXX XXXX account. However, Sequium Asset Solutions claimed the balance owed was approximately {$790.00}. The balances, reporting information, and collection details are inconsistent between the companies. I am concerned that : the debt amount is inaccurate, duplicate collection activity may be occurring, ownership of the debt is unclear, and inaccurate information is being reported to credit bureaus.…

I am disputing the collection account reported by Sequium Asset Solution for XXXX XXXX in the amount of {$3900.00} because this account does not belong to me. I do not recognize this debt and have no knowledge of this account. I am requesting complete validation and verification of this alleged debt, including signed agreements, account records, billing statements, and proof that I am legally responsible for this account. If the company can not provide proper verification, I am requesting immediate removal of this collection account from all credit reporting agencies under the Fair Credit Reporting Act.

I have paid the balance owed however the collections agency has not updated the credit report and I received a derogatory mark today. There is no balance.

RE : DEMAND FOR DEBT VALIDATION, CEASE AND DESIST, AND REQUEST FOR REMOVAL FROM CREDIT REPORT To Whom It May Concern : I am formally requesting full validation of the alleged debt you claim I owe pursuant to the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692g. I dispute this debt in its entirety and demand that you provide competent legal evidence that I have a contractual obligation to pay. Under the FDCPA and the Fair Credit Reporting Act ( FCRA ), I request the following documentation : A complete accounting of the alleged debt. The original contract bearing my wet ink signature proving I agreed to assume this debt. A copy of any judgment, if applicable. The name and address of the original creditor. Documentation showing your legal authority to collect this alleged debt. Proof that your company is licensed to collect debts in my state. Complete payment history and itemization of all charges, fees, and interest.…

In XXXX I discovered I was a victim of identity theft due to a collection agency, XXXX. I disputed this charge with them and they seemed to discharge this and reported back to XXXX XXXX XXXX this account was opened due to identity theft. In XX/XX/XXXX XXXX started contacting me about this same charge, ultimately saying I needed to file a formal appeal directly with XXXX XXXX XXXX. I did so and on XX/XX/XXXX received a letter from XXXX XXXX XXXX stating that they found that this account was opened without my knowledge and was fraud. They said they would report this to their collections agencies and this should be removed from my credit report. In XX/XX/XXXX I discovered that Sequium XXXX agency now was trying to collect this same fraudulent debt. I contacted XXXX XXXX XXXX, they resent the letter showing they found this as a fraudulent debt and stated they have NO collections activity for this account.…

On XX/XX/year>, the debt collection company texted my mother about a line-of-credit loan I had taken out. In the text, they included a statement detailing the debt and how much is owed. She is not a co-signer on that loan and has never had anything to do with it. I never added her as a reference or gave her phone number to the original creditor, so there is no reason the debt collector should be contacting her. She forwarded the text to my cell phone number, then replied STOP to the text shed received so that they wont contact her any further.

Sequium called me about a contract that I told him was falsified in my name and that the workers would not leave because they had to work order. When I told them I didn't sign them they called the company and went ahead with the work even though I told him to leave. The company was XXXX and I had them come out because I had ants in my house. They sent someone out for termites and claim that I had termites but I don't think I really did because we just bought the house not even 6 months before that and we had a full inspection done and it didn't show up any. The date was XX/XX/year>. I told him I didn't want it because I couldn't afford it they wanted to me to pay {$560.00}. I live off of XXXX and make {$1000.00} of that. I told him I couldn't afford it I have XXXX kids so they falsified my signatures. To get the work done. This is not the first time I read that they have done this and lost in court in different states. I have the proof that the signatures don't match.…

This is a cease and Desist notice. Please take my name out your system .Delete from all credit bureaus. Do not contact me by any communication method ( email, Mail, fax, Telephone etc ). Do not sell this debt to another company.

I am submitting this complaint against Sequium Asset Solutions LLC for initiating an unauthorized electronic fund transfer from my bank account and causing substantial financial harm. Company Information : XXXX XXXX XXXX, XXXX XXXX XXXXXXXX XXXX XXXXXXXX Toll-Free : XXXX Business Hours : Monday through Friday, XXXXXXXX XXXX XXXX XXXX XXXX XXXX On XX/XX/year>, Sequium XXXX XXXX XXXX XXXX {$310.00} from my bank account without my authorization. My agreement with this company permits preauthorized ACH/EFT withdrawals only on the XXXX of each month. My most recent and only authorized payment was successfully withdrawn on XX/XX/year>. No authorization was provided for any additional debit on XX/XX/year>. Accordingly, this transaction constitutes an unauthorized electronic fund transfer and appears to violate the Electronic Fund Transfer Act ( 15 U.S.C. 1693 et seq. ) and Regulation E, which prohibit unauthorized preauthorized electronic withdrawals from a consumers account.…

Sequium Asset Solutions reported a {$320.00} collection on my credit file allegedly from XXXX XXXX, an account I do not recognize or recall ever opening. The reporting contains limited account details and no supporting documentation. I requested full debt validation and proof of assignment, along with verification of their authority to collect and report in my state. The company has not provided sufficient documentation to substantiate the debt or demonstrate compliance with federal credit reporting and debt collection requirements.

I am filing this complaint regarding collection activity from Sequium connected to ongoing XXXX XXXX account issues that have caused significant financial and credit harm. Issue 1 XXXX Charge-Off Related to Returned XXXX I am an over-the-road truck driver and originally purchased an XXXX from a XXXX store in Missouri. At the time, I wanted an XXXX XXXX XXXX, but the store only had a standard XXXX available. XXXX staff informed me that I could purchase the available phone and exchange it within the 30-day return period for the XXXX XXXX XXXX once it became available. Due to my busy trucking schedule, I later stopped at a XXXX store in XXXX, North Carolina, where I returned the original XXXX and completed the exchange/purchase for the XXXX XXXX XXXX. At the time, I believed everything was properly exchanged and resolved. Months later, XXXX began claiming there was still a balance owed for the returned phone.…

I got a derogatory on my credit report no contact was ever made to me this is a inaccurate summary statement and does not follow contract I signed therefore is not valid and should immediately be removed from my credit report I dispute the validity of this debt. The documentation provided is insufficient. While a lease agreement was provided, the charges listed have not been properly validated. The utilities and services addendum requires that charges be calculated using specific allocation formulas, yet no billing statements, formulas, or calculation methods were provided. This account is being reported without proper validation. The furnisher provided only a lease agreement and a summary statement. They failed to provide : * Utility billing records * Allocation formulas required under the lease * Itemized calculations supporting the balance Additionally, charges listed do not align with the lease agreement.…

I am disputing a {$3500.00} collection from Sequium Asset XXXX ( Account # XXXX XXXX XXXX XXXX XXXX XXXX XXXX ) regarding a tenancy at XXXX XXXX that ended in XXXX. This is an invalid " zombie debt '' being reported three years after move-out without proper statutory notice. Violation of Florida Statute 83.49 ( 3 ) : The landlord failed to provide a notice of intent to claim damages via Certified Mail within the mandatory 30-day window following our XXXX move-out. By law, they have forfeited the right to claim any damages. Waiting three years to suddenly report this to my credit without prior contact is predatory. Illegal Betterment ( Florida Statute 83.51 ) : The balance includes a {$2300.00} charge for " new floors. '' We resided in the unit for three years. Per HUD guidelines, rental flooring has a 5-year useful life.…

I keep receiving robo-calls from Sequium Asset Solutions this message is for XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. This is Sequium Asset Solutions, calling regarding your XXXX account. Please call us back at XXXX from XXXX XXXX to XXXX XXXX Eastern Standard Time. Thank you. The issue is, I do not work for XXXX XXXX XXXX nor have I had any affiliation with said company in over 4 years. This is not my debt, I have received 16 voicemails from them over the past 14 days. If I answer the phone its never a person, its a robot spam call in violation of calling over 7 times per week.

In XX/XX/year> a collection account from Sequium Asset Solutions appeared on my credit report for an XXXX XXXX debt I never opened. I have never had an XXXX XXXX account and never received any communication from Sequium before they started reporting. No debt validation letter was ever sent to me. When I disputed this with the credit bureau, Sequium verified it without providing any original documentation. They can not produce a signed agreement or show how they legally obtained this debt. Reporting an unvalidated debt I do not recognize is a direct violation of my consumer rights.

I recievied an email from sequium stating that they i got settle my debt if I paid {$200.00}. So I called them about the email because I owed XXXX {$600.00}. XXXX sent my debt to sequium. I called sequium and asked the guy about the email. I asked them on the phone if I make this {$200.00} dollar payment will they send of a paid in full and clear or settle my while debt. That was the only way I was going to make the payment. They agreed to that. So I went ahead and paid the the {$200.00}. Weeks later my credit report was not changed to reflect that promise. Now i Can't remember specific date, but I called XXXX and asked them why my credit report was not updated and explained to them what the sequium operator had told me over the phone. XXXX told me I had to call sequium. So I called sequium and asked them what was going on and why. They said that I needed to call XXXX. At this point I had quit. But I called sequium back in a couple weeks.…

PAID IN FULL REMOVE IMMEDIATELY, this has already been resolved reporting to the ftc again. I already paid this bill yet they keep harassing me and placing this erroneous charge on my credit file

I am filing this complaint against Sequium Asset Solutions , LLC for violations of the Fair Debt Collection Practices Act ( FDCPA ) and the Electronic Signatures in Global and National Commerce Act ( E-SIGN Act ). I sent a formal " Demand for Strict Validation '' via Certified Mail to Sequium Asset Solutions regarding an alleged XXXX debt of {$1600.00}. In that notice, I explicitly disputed the debt and invoked my rights under 15 U.S.C. 7001 ( E-SIGN Act ). I specifically demanded that Sequium provide a forensic Audit Trail to verify the origin of this alleged electronic account, including : The unique IP address and device hardware identifier used during the transaction. Timestamped logs of the " Consumer Consent '' disclosure and affirmative acceptance. It has been over XXXX days since Sequium received my dispute via certified mail. They have failed to provide any verification of the debt, yet the trade line remains on my XXXX XXXX XXXX XXXX credit report.

I am disputing inaccurate reporting by Sequium Asset Solutions regarding a collection account associated with XXXX This account reflects a balance of {$250.00} ; however, it also shows a past due amount of {$0.00} while still being reported as a collection. This is inconsistent and misleading. If no amount is currently past due, the account should not be reported as an active collection. I have not received sufficient documentation validating the accuracy of this account, including : - A detailed breakdown of the charges - Proof of my legal obligation for this specific balance - Documentation confirming the accuracy of the amount being reported Reporting contradictory and unverified information violates the Fair Credit Reporting Act ( FCRA ). This account is inaccurate, misleading, and has not been properly validated. If this account can not be fully and accurately verified, it must be removed and deleted from all credit reporting bureaus immediately.

I had a XXXX XXXX account for over two years starting around XX/XX/XXXX that was paid on time every single month with some months being paid in advance. In XX/XX/XXXX I contacted XXXX as I was moving to a new address and was unable to transfer my Internet services to that address due to XXXX not offering services in that area. I spoke with a representative over the phone and requested my account be closed due to the fact that they dont offer services at my new address. I moved to my new home and then about a month and a half later I received a bill from XXXX XXXX which didnt make sense to me because I had already canceled my account and I called and spoke to a representative at length and he also agreed he wasnt sure why I was being billed because he can show no services were used for the billing cycle and he assured me the account was closed and canceled again. This was also over the phone.…

This account was paid upon due sent certified mail and certified check. This is a malicious FRAUD to involve collection agency by La XXXX at XXXX and I want this removed from credit bureaus immediately because they are fraudulently trying to collect monies paid - this randomly appeared on my credit report after my ID was recently stolen This is fraud and the monies were paid timely by certified mail and bank check. This place has poor management and changed staff multiple times XXXX XXXX XXXX XXXX XXXX I want this FRAUD removed from my credit bureaus immediately

I opened an account with XXXX and I canceled my account within the cancellation period to where I did not have to pay anything. I was assured by the agent that everything had been canceled out however, I am receiving calls, emails and text messages from a secondary debt service cost Sequium asset solutions LLC saying that I still owe over {$100.00}.

XX/XX/year> There was an issue involving a roof collapse at the XXXX at XXXX XXXX XXXX it was about XXXX XXXX and my partner wanted me to go check in on my XXXX as I arrived to my XXXX. I walk in and noticed a puddles of water all over the floor as I try to clean it up it was a lot of water so I couldnt get it all up, so I placed it pots and pans down to catch the water also contacted XXXX XXXX as well didnt want to bed throughout the night more and more water kept falling from the ceiling the next day when I got up XXXX, came to my XXXX and cut a giant hole in the roof did not come and fix it right away a couple of days went by and I asked them were they going to fix the big hole they cutting in my roof my XXXX came over and I showed him what happened then we went to the XXXX XXXX.…