PlusFour, Inc. is a third-party collection agency based in Las Vegas, NV. PlusFour has received consumer complaints alleging violations of the Fair Debt Collections Practices Act (FDCPA), including failing to verify debts and attempting to collect debts not owed. If you have been contacted by PlusFour, make sure you understand your rights before responding.
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The Better Business Bureau’s (BBB) profile page for PlusFour, Inc. is currently being updated and does not provide any information. Buzzfile indicates that PlusFour operates in the accounting, auditing, and bookkeeping industries.
According to its website, PlusFour was founded in Las Vegas in 1997 and “has worked to change the way that credit collection services function and find innovative solutions to common debt-recovery roadblocks.” PlusFour cites the “notoriously low standards and sometimes hostile tactics” of the collections industry as its motivation. PlusFour cites high standards in professionalism, security, efficiency, communication, transparency, customer service, ethics, and accuracy as its benchmarks of success.
PlusFour’s collection staff serves six major categories of clients: private dental and medical practice; medical facilities such as hospitals and surgery centers; small businesses; property management companies for both commercial and residential properties; professional services such as CPAs and attorneys; and utility companies.
PlusFour’s compliance page indicates membership in several professional associations and cites “state-of-the-art systems that are upgraded frequently to assure the strictest level of security and maintain industry-required encryption and firewall protection.” In addition, PlusFour undergoes annual AICPA audits and SSAE 16 certification.
However, they do not mention any consumer protection resources, laws, or agencies, and there is no information about how employees are trained with regard to Fair Debt Collection Practices Act (FDCPA) and Fair Credit Reporting Act (FCRA) compliance. Their Consumer Help page lists only contact information and a link to Ask Dr. Debt, a resource provided by the International Association of Credit and Collections Professionals (ACA International).
The BBB’s profile page currently does not list any complaint information for PlusFour, and as of October 2017, they have been given a rating of NR (No Rating). Since April 2015, the Consumer Financial Protection Bureau (CFPB) has received 35 complaints against PlusFour. Justia lists at least 3 cases of civil litigation naming PlusFour as a defendant.
PO Box 95846
Las Vegas, NV 89193
Telephone: (877) 494-1569
It is illegal for a debt collector to threaten to sue you or garnish your wages. It is also unlikely PlusFour would sue you for a debt you may not owe or they cannot validate. However, debt collection agencies are known to have summoned debtors to court and garnish wages after a default judgement. Contacting an attorney BEFORE this could possibly happen would be a smart move. We’ve helped thousands of consumers fight back against unscrupulous debt collection harassers. Find out if we can help you too today!
Absolutely. Here are some Sample Cases against PlusFour Inc.
Complaints against PlusFour generally indicate a tendency toward inconsistent and inaccurate documentation and non-responsive customer service. In June 2017, a complainant indicated that he was contacted by PlusFour for a debt he did not recognize. The complainant allegedly received an electronic form of the billing statement from PlusFour, but the only accurate portion of the statement was his name, which was only similar to his. He commented that PlusFour needs to be more efficient and professional.
In May 2017, a complainant indicated that he had received a collection notice for a delinquency of $72.00. The complainant exercised his right to dispute the debt in writing within 30 days of receipt, but after doing so he did not receive a reply and found that the delinquency had been reported to the credit reporting agencies.
Also in May 2017, a complainant received notification of late payment as a result of a hospital visit. He set up a payment plan but received a collection notice from PlusFour a few months later. He called PlusFour and was told that he had a balance remaining after the payments, so they said they would investigate. He called back a short time later to request the results of the investigation, and they told him it was not yet completed. After the date specified, he still had not heard anything. He proceeded to apply for a home loan, but found that the item from PlusFour was still on his credit. After calling both the original creditor and PlusFour, he was told that there was still a balance remaining but that the reported item could be removed with payment and an investigation. He requested to speak to a supervisor who told him that there was a discrepancy between account numbers and amounts that led to the confusion. The inaccuracies on his credit report meant the he had to cancel his application for a home mortgage.
Finally, in March 2017, a complainant indicated a debt that had been discharged in bankruptcy had been recycled by PlusFour and was now re-appearing on his credit reports despite repeated requests to have the information removed.
Understanding your Debt Collection Rights
The Fair Debt Collections Practices Act (FDCPA) and the Fair Credit Reporting Act (FCRA) are enforced by the Federal Trade Commission (FTC) and the Consumer Financial Protection Bureau (CFPB). The FDCPA regulates the behavior of collection agencies by prohibiting actions such as the use of abusive or threatening language; harassment; or the use of false or misleading information to collect a debt.
The FCRA regulates how collection agencies and creditors report delinquent debts to credit reporting agencies. Additional consumer protection laws include the Telephone Consumer Protection Act (TCPA) and the Consumer Financial Protection Act (CFPA). The complaint above illustrates how these laws can be extremely effective tools to hold accountable collection agencies who fail to adhere to their provisions.
These laws also provide individuals with a means to seek monetary damages in court. For example, the FDCPA allows consumers who have been violated to recover damages of up to $1,000, plus attorney fees and court costs.
Seek legal assistance to find the relief you may be entitled to if you are having difficulty resolving disputes with a debt collection agency.
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