Consumer complaint received 2019-05-06
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Diversified Consultants, Inc. (CO)

The problem starts with the start of a lease of two phones that when the lease was over we could pay fair market value for. over a quarter was through there was a divorce. The bills were separated. XXXX did not do this correctly. when moving my phone to its own bill they did not set the time left to pay on lease to the correct date, They also attached the wrong phone to the contract. ( one I already paid for ) ... Calling back in was assured there would not be a problem, My concern a year later was in the app it now said payoff was extended on the lease spent hours and days on phone to fix the wrong attached phone. to get the second line turned off that I had to pay while it was getting resolved. When it was time to the lease to get over I went to the store and sat for hours and they tried to look up the contract that said I could pay fair market value and I was informed that the contract was under the ssn of my ex husband and did not apply. They did not know what fair market value was for my phone and I would have to pay {$200.00} to cancel my contract and pay for the phone in full or to wait until the system says I can purchase the phone and then get credit for the months I had paid on the lease past the time allowed by contract that was not mine. mean while the phone was having problems with charging so I went to the company store to have it looked at. they did not do a loaner phone or back up because they said it will only be a few hours ... .They then said it was a bigger problem and sent it off to be worked on and activated my old phone. i was informed while working on the phone that they lost everything I had on the phone and needed to replace the phone with what they said would be a upgrade. they sent a XXXX XXXX that had been recalled and that will not even be allowed on a plane, it was over heating and shutting off on its own.I called about both problems and they took the payment to end the lease but did not reimburse me for the payment made as I was told would happen. I took off work and sat all day at the company store again to get it fixed. they replaced the battery and told me it would be fine ... .I walked out of store as it was closing and within 15 minutes it over heated and turned off again ... unable to miss any more work and sit all day aging I call the insurance that I had been also paying on the phone how also told me I had to go to store there is no other way. I I am in XXXX XXXX and all my signs and cards, contacts and registration was to that phone number. I called XXXX and explained I had a XXXX on my XXXX from the phone the sold me and I had to where gloves to hold it on a air conditioner to cool it on speaker phone to make to call to them. They would not fix the problem. I was forced to give up my number and end service with XXXX. I have a XXXX on my XXXX and a phone that is not operable. They own me and XXXX ***does not have a contract** on the phone and account in my name and ssn. I am out thousands due to all the problems and missed calls with XXXX. All the records lost and personal information/documents/photos/numbers. They removed the collection for one creditor and then gave it to Diversified Consultant that has reported it on XX/XX/XXXX, XX/XX/XXXX and XX/XX/2019. I have called them and explained and it is not removed,