Consumer complaint received 2018-08-16
Company: Capstone Credit & Collection, LLC.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
Hello. 

I contacted Capstone regarding something that they have placed on my credit that is inaccurate. The woman was very rude and unprofessional and hung up in my face. In XX/XX/XXXX I applied for and was approved for an apartment with XX/XX/XXXX. i lived there with my boyfriend and also rented the apartment with his mother as my guarantor. I completed out my entire 12 month lease. I was never served an eviction notice before my departure and i was given my deposit back when i left because i did not renew my lease. In XX/XX/XXXX i checked my credit score for another apartment and it showed that i had two derogatory marks on my credit. One coming from XXXX XXXX Apartments and one from XXXX. I take full responsibility for the marks done by XXXX XXXX as i know i did not complete the last few months of my lease for that apartment complex. However the derogatory marks placed on my credit by XXXX XXXX  through the credit company Capstone has been falsely placed on my credit. I lived my entire lease paid my rent and utilities and was never penalized until two years later. On XX/XX/XXXX I contacted XXXX XXXX XXXX  and spoke with a woman. I provided her my social security number so that she had access to my file. When she pulled up my file she asked me what was it that i wanted to know about the case. I explained to her that there is a debt on my credit showing that i owe an amount to this company for XXXX XXXX  and i needed to know the reason why because i completed my lease agreement in full and was never evicted. The lady on the phone got so disgusting and rude and accused me of not paying my rent. She told me the debt is there because i never paid my rent, trash and sewer and also the cost and fees of an eviction notice. I applied and was approved for the apartment unit in XX/XX/XXXX meaning my lease ended in XX/XX/XXXX. Capstone opened this account on my credit some entire 1 year later. I explained to the woman i was never ever served an eviction through the apartment complex and i paid all of my bills on time and thoroughly. She was completely combative and nasty continuing to accuse me of not paying my rent and everything else Capstone placed on my credit. I asked her how was it possible for her to tell me that i did not live somewhere and pay something I know I lived and paid and she hung up the phone in my face. I tried contacting the company 7 more times after she hung up in attempt to dispute the charges and was unsuccessful reaching anyone. They screened my calls and did not answer the phone from that point on. I wasn't able to be escalated to a manager or dispute the chargers and I googled the reviews on this company and have discovered that this is not their first time doing this to customers. i need assistance with this discrepancy on my credit. i need it removed as there is false information placed on file about me living in the apartment complex and it is hurting my credit score. I reached out to the XXXX  who have advised me that they have had many issues with this company as well. They were trying to reach out to the company and had many failed attempts. I have also filed a complaint with the Attorney General 's office in regards to this issue. This ( as I further research ) is not the first time this company has committed a fraudulent scam like this. There are other people who are affected by this company in the exact same fashion. On XX/XX/XXXX A man from Capstone contacted me regarding the issue. I spoke with him again very calmly regarding this report being placed on my credit. He asked me if I was willing to settle the account for 50 % of the balance so that it would be taken off of my credit. I declined and advised him that I am not willing to pay anything because I never owed anything. He explained that their company had proof of me being evicted, which once again I was never served. I asked him why wasn't I ever served this eviction throughout my entire lease and why ; if my lease became active in XX/XX/XXXX and ended in XX/XX/XXXX, would they place a debt regarding an eviction a entire year later on my credit report. The man became upset at my questioning and told me to send him something in writing. I couldn't understand what he wanted to me to send him in writing. I asked if they were provided a copy of my lease and he answered yes. Meaning they see that my lease was two years prior to them placing a debt on my credit report. He then became belligerent and accused me of only wanting to start trouble and file complaints against the company and then he too hung up the phone in my face. This company Capstone Credit & Collections have some of the most disrespectful, rude, judgmental employers I have ever encountered in my entire life. I am working on fixing a lot on my credit and have reached out to creditors for student loans and such and I have never been dealt with in such a manner. Maybe because they did not falsify documents to gain business. I need assistance with this issue. My next move is to contact an attorney to cover this case and investigate this company and also bring this to the media. I would like this issue dealt with and my credit restored.

Company response to consumer: Closed with explanation