Unifin Inc.

Constant texts during daytime hours after reporting it as spam

Consistently contacting me about a debt that I have no knowledge of no signed agreement with several violations of FCR

Cancelled my XXXX account. Paid the restocking fees returned all the equipment withing the 30 days. Was told I was good to go. Year later found that XXXX XXXX had continued to bill one of the closed lines and sent me to collections. I have attempted to work with XXXX XXXX repetitively who see the error and sent it to their investigative team to get it resolved with debt collections. Year later repeat. And again. And again. Despite trying to reach ANY department that can help I get sent to a call center to be repetitively hung up on, stonewalled, or made to take repetitive unnecessary steps. All the while not fixing the problems. I am now denying the debt to yet another collection agency

I am submitting this complaint against Unifin regarding repeated and excessive debt collection communications. The company continues to send me repeated text messages on a daily basis, which I consider harassing and excessive under the Fair Debt Collection Practices Act ( FDCPA ). The frequency of these communications has become disruptive and stressful. I am formally disputing this alleged debt and requesting proper validation of the debt. Unifin has not adequately provided sufficient proof that this debt legally belongs to me. Under the FDCPA, I am requesting that Unifin provide : * A complete validation of the debt * The name and address of the original creditor * The original account number * Documentation showing I am legally responsible for the debt * A copy of any signed agreement or contract connected to the alleged debt * A complete payment history and accounting of the balance * Proof that Unifin has legal authority to collect this debt I also request that the company…

I received a letter from Unifin XXXX XXXX XXXX. XXXX XXXX XXXX, IL XXXX ( XXXX ) XXXX XXXX XXXX XXXX. Email : XXXX The letter says : You had an accounty from XXXX Bank with account number XXXX, now owed to XXXX XXXX XXXX XXXX XXXX XXXX XXXX As of XX/XX/year> you owed XXXX You paid or were credited this amount toward the debt : XXXX The amount of the debt now : XXXX I have never had an account with a bank called Unifin and I do not owe any money and it does not appear on my credit statement.

Im receiving emails from Unifin about having debt in collections. I do not have any unpaid debt that would be in collections. They are also only contacting me on the the birth date of my children so far and that makes me feel like whoever this is is threatening my childrens life. I have attempted to view the info on the unifin web sight but am unable to load the page so I hope I didnt get any malware from visiting the sight or clicking on the links.

I am filing a complaint regarding repeated and unwanted communications from Unifin Inc.. I have been receiving daily text messages and phone calls from this company attempting to collect a debt. The messages typically state that they are a debt collector and ask me to contact them regarding a reference number. I previously informed the company that I do not wish to be contacted by phone or text message and requested that all communication be in writing only. Despite this request, the company continues to send text messages and place calls on a daily basis. I attempted to send a formal written request via email to stop communication, but the email system failed to deliver properly due to issues on the companys end. These repeated communications are unwanted and constitute harassment.…

I am submitting a formal complaint regarding the conduct of a debt collection agency in connection with an account for which I have an active and current payment agreement. On XX/XX/year>, at approximately XXXX XXXX, I received a call on my work phone from a representative identifying himself as XXXX XXXX who works for Unifin Transactions phone number XXXX. This contact was inappropriate, as I am currently in good standing under a payment plan and had already made my scheduled payment for the month on time, including a payment processed the same day. After receiving this call, I contacted the agency directly to address the issue. During that call : I spoke with a representative named XXXX, who was dismissive and incorrectly stated that I did not have a payment agreement in place. I then escalated the matter to a manager, XXXX XXXX, who did not provide a satisfactory resolution and failed to acknowledge the existing agreement.…

The phone number that contacted me was XXXX Today I received a text message ( the 2nd or 3rd time already ) and it included this text : This is Unifin, a debt collector. Contact us about ref # XXXX @ XXXX or XXXX ChargesMayApply Reply STOP to stop texts. I tried to input my info on the Unifin website, which I entered the ref # and my last four social security digits and it kept saying that it couldn't find my info. So I assumed this number that's texting me is a scammer. I did not click the link in the text message either, just searched the Unifin company directly and input my info on their website. I have received the same text a few weeks ago but I blocked the contact right away. I believe it was a different telephone number.

I received text messages that I owed debt to XXXX communications and I have never had an account with XXXX and have never lived in XXXX service area. Contacted XXXX, and they said that they do not have an account with my name, but the debt collector said that there was an active account with my name but the address associated with the account I never lived at.

On XXXX XXXX i received a letter in the mail from a company by the name of UNIFIN, INC stating that i have /owe them money for a debt in the amount of {$2000.00}. The letter sent is dated XXXX XXXX Additional information provided by consumer : XXXX The consumer called in today to add the statement " On the back of the letter there is a disclosure concerning the debt is past the statute of limitations and they will not sue unless I admits I owe the debt. It further states that Unifin will not be reporting it to the credit bureaus. XXXX XXXX XXXX must be connected to Unifin. ''

Other parties which I had no direct dealings are calling me anytime, daily, nonstops..... harassing me. One of the companies are XXXX, they even texted me, daily, from their number XXXX Another one, XXXX, I do make monthly payment yet the balance keeps going up, I need some explanation, and when I call, it's like no one is there to answer XXXX and XXXX, they're closed, my account with {$0.00} balance, I would like it to be removed off my report as well Lastly, I would the recent inquiries to be removed : XXXX XXXX XXXX XXXX XXXX XXXX

Hello, My name is XXXX XXXX XXXX XXXX. I received a collection bill of {$1800.00} from UNIFIN, Inc from XXXXXXXX XXXX XXXX XXXXXXXX dated XXXX. The UNIFIN reference # is XXXX. The original account # ends in XXXX. The bill is under XXXX XXXX. That's not me. I also checked my credit report and they attached part of the name to my report, XXXX XXXX. I would like for that name that's not mine to be taken out.

I started getting calls, text and mail from Unifin in XXXX. When I received the first call I was told that it was for XXXX XXXX Credit Card and the original creditor was XXXX XXXX. I explained that the debt was not mine and that I am not the individual they were attempting to contact. I continued receiving calls from varying numbers, text and mail from this company. I have sent a written notification asking them to correct their records and stop the collection efforts. I am still being harassed and threatened. The last correspondence I received had XXXX XXXX XXXX XXXX as the original creditor and XXXX XXXX as the current creditor and the balance of {$2000.00}. It looks like these may be somehow connected to a sell off of accounts from XXXX XXXX.

To Whom It May Concern, I am formally notifying you to cease all communication with me regarding any alleged debt. I dispute this debt in its entirety, as I have no account, agreement, or business relationship with your company or any creditor you claim to represent. I am also documenting that I continue to receive repeated phone calls from your company that appear to be deliberately masked or spoofed to resemble calls from my local area and county. This deceptive practice is unacceptable and raises serious concerns of misrepresentation. Be advised of my rights under the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692 et seq. : - Under 1692c ( c ), I have the right to demand that a debt collector cease all communication with me, which I am exercising through this notice. - Under 1692d, you are prohibited from engaging in harassment, including repeated or continuous calls intended to annoy, abuse, or harass.…

Validation and verification of their legal right to collect. Why is the debt being reported by multiple agencies Texting and emailing XXXX times per week which is a violation that should be resulting in penalties paid to me for abuse

I am being contacted by Unifin regarding an alleged debt that does not belong to me. The first text message I received was on XX/XX/XXXX at approximately XXXX XXXX ( XXXX ). I received another text on XX/XX/XXXX at approximately XXXX XXXX ( XXXX ). On XX/XX/XXXX at approximately XXXX XXXX ( XXXX ), I sent a written notice to Unifin disputing the debt in its entirety, stating that I am not the individual responsible, and demanding that they cease all communication with me regarding this matter. Despite this written cease-and-desist notice, I received another text message from Unifin on XX/XX/XXXX XXXX approximately XXXXXXXX XXXX ( XXXX ). Unifin is attempting to collect a debt from the wrong person and has continued to contact me after being clearly notified in writing to stop. They have also failed to provide any validation of the alleged debt.

XXXX Debt Collector XXXX Reference # XXXX Call XXXX or XXXX I have no debt

I tried to contact this company about this debt they hung up on me multiple times

This XXXX keep calling and harassing me, I dont even know what they are talking about. Disgusting behavior and disgraceful. They are nothing but XXXX that take advantage of peoples misfortune and sickness. I cant deal with this XXXX anymore, its destroying my health, I asked numerous times for them to stop but they dont care, I dont know what they keep harassing me, Ive told them that I dont know what they are talking about but they wont stop. They call everyday many times.

I noticed that XXXX XXXX XXXX XXXXas reporting a delinquency on my credit report around 10 years ago. I reached out to them and told then that I did not and had not ever had an account with them. They stated that one of their mailers that included a ready to activate credit card had been called in by a MAN ( I am a woman ), giving the WRONG birthdate for me, he could not provide my social security number, and yet XXXX XXXX still allowed him to activate the card in my name. I requested the proof that I owed the debt, proof of application and proof of signed contract which they were unable to send and therefore did not. I requested they remove the account from my credit report which they also did not do causing harm to my XXXX XXXX for several years even though I disputed it with all three credit bureaus.XXXX XXXX XXXX then sold the collection to XXXXXXXX XXXX XXXX contacted XXXX XXXX telling them the same. It is not my debt.…

( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX Are the phone numbers so far that have been texting me with fake debt collection notices. With the following text " This is Unifin, a debt collector. Contact us about ref # XXXX @ XXXX or XXXX ChargesMayApply Reply STOP to stop texts. '' I continue to block and report. But the texts continue from new phone numbers. I don't use the " STOP '' function because I only received this number last year and I don't want to turn over to these spamers that this phone # is active.

At XXXX XXXX I received a call once I answered and said hello. It took a moment before a person joined the line. She asked for XXXX XXXX XXXX XXXX XXXX The name of my deceased grandmother and sister, and I told her I am neither of those two people. I tried asking who she was and she rambled off thank you and hung up real quick. I called the number back and found out it was for Unifin Incorporated. I barely got that information as the man who answered was reluctant to tell me who was even trying to contact my sister using my phone number. I told them I am on the national do not Call registry and asked him to remove my contact info for someone elses debt. I contacted my sister and she stated they have her phone number and have been in contact with her. They have no reason to call or contact me anytime past or future. I would like this harassment to stop by Unifin Incorporated.

I received an account summary from Unifin dated XXXX. The letter was addressed to a name with a different middle initial than mine. It gave a Unifin reference number, original account number, current creditor, original creditor, debt description which just repeated the creditor 's name, and itemization date of XXXX, the original balance in XXXX of {$29000.00}, and total amount of debt now {$58.00}, XXXX. The letter asked for payment of {$29000.00} to resolve my account in full. Their letter states to call or write to them by XX/XX/XXXX to dispute the debt and that they would send information to show that I owe the debt and that they would must stop collection until they send me that information. I do not recognize this debt and do not think it is mine, especially because the name the letter was addressed to does not match mine. I filled out the bottom form on the letter where I checked boxes disputing the debt because it was not mine, and asked for more details about the debt.…

I have received repeated text messages from a company identifying itself as Unifin stating that it is a debt collector attempting to contact me regarding an alleged debt. The messages include a reference number and a phone number to call regarding the account. The messages were sent from different phone numbers but contain the same reference number and instructions to contact the company. I did not provide consent to receive collection messages by text and the debt referenced in the messages has not been validated. I have requested verification of any alleged debt and have disputed accounts appearing on my credit report. Despite this, I continue to receive text messages attempting to collect a debt. Under the Fair Debt Collection Practices Act, debt collectors must provide proper validation of a debt and must not engage in misleading or harassing communication practices.…

I am filing a complaint regarding Unifin , Inc. concerning an alleged XXXX Credit Card account originally issued by XXXX XXXX XXXX XXXX and currently claimed to be owned by XXXX XXXX XXXX XXXX. On or about XX/XX/year>, I received an unsolicited email from Unifin attempting to collect approximately {$1200.00} on this alleged account. I do not recognize this creditor or this account and have no knowledge of any XXXX credit card issued by XXXX XXXX XXXX XXXX. I have not received prior written notice of this alleged debt by mail. I am concerned this may be a case of mistaken identity or potential identity theft.…

I am writing to formally dispute an account that appears on my credit report which does not belong to me. The account information is as follows : Creditor Name : Unifin Account Number : XXXX Date Reported : XX/XX/year> I do not recognize this account and have never opened or authorized it. Please investigate this matter and remove this account from my credit report as soon as possible. If additional documentation is required to process this dispute, please let me know. I request written confirmation once the investigation has been completed.

Phone calls from Unifin started last XXXX. It continued for a while and then switched to text messages and I still receive them almost daily. They are vague and just have a persons name, phone number, reference number and link. I have never picked up a call or responded to a text or clicked any links or called any numbers. I dont want them to verify that I am a real person. I have just ignored all of them. I have no debt on my record and have a great credit score. So I dont know how to stop it. Example text : This is Unifin, a debt collector. Contact us about ref XXXX XXXX XXXX XXXXXXXX or XXXX ChargesMayApply Reply STOP to stop texts.

I do not know these people they texted my phone on my end my phone automatically blocked them I never talk too anyone i never give out any personal information

I have been receiving communication over the last several weeks from XXXX regarding someone elses debt. I have never had a kohls card, my name is not the person listed, and I dont know that person. Yet they continue to contact me after I asked them to remove my information from their database. I have blocked their email and they have sent emails, text messages, and their emails are now showing up in the junk section of my email. This is the latest message from XX/XX/year> at XXXX XXXX : Company Logo XXXX XXXX Regarding : XXXX CREDIT CARD account Reference : XXXX Unsubscribe Unlock your savings now. Hello there XXXX XXXX, This message is meant to reassure you that youre not navigating this alone, support and resources are available. Inside your account portal, youll find your total balance of {$3800.00} paired with XXXX options intended to support manageable next steps.…