Resources Available

The purpose of this section is to provide guidance and resources to our customers (and other visitors) that are struggling financially. This is a good page to bookmark and visit occasionally for updates! You can also follow investigations into suspected spammers from here!

Companies listed here or throughout or website are not owned nor operated by Diversified Consumer Services, its parent company or any of its divisions unless otherwise disclosed. While we do not endorse companies, we are very selective as to which companies we list and/or affiliate with. We are not liable for any decisions you make or actions you take with companies we refer you to.

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Consumer Financial Protection Bureau

The Consumer Financial Protection Bureau (CFPB) is a U.S. government agency that makes sure banks, lenders, and other financial companies treat you fairly.

Learn how the CFPB can help you by clicking this link!

Submit a Complaint

First, Diversified Consumer Services runs a legitimate business with the highest ethical standards in both financial matters as well as treatment of every customer. In the interest of transparency, we feel it is in our best interest and yours to list the Consumer Financial Protection Bureau on our site in the event you feel that we are not handling matters as we should. We request first, you work with us, but you have the right to file a complaint.  In addition, we hear of SO MANY companies that illegally try to collect on accounts we owe, we refer customers to this site often, so this makes access that much easier.

To submit a complaint to the Consumer Financial Protection Bureau, click: https://www.consumerfinance.gov/complaint/.

The site’s homepage is at https://www.consumerfinance.gov or https://www.cfpb.gov.

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Those included in the list at the link below are NOT banned from the industry, however, if you are approached by any of these companies, it is a good idea to read up on what led to the investigation as well as the outcome.

See all the debt collection cases brought by the FTC, including those that didn’t result in a ban.

https://www.ftc.gov/tips-advice/business-center/legal-resources?type=case&field_consumer_protection_topics_tid=241

While we make every effort to be sure that links to other sites are kept up to date, we may miss one here and there. Please let us know if either link isn’t working.

Banned Debt Collectors

FTC

This information comes directly from the FTC’s website. We were amazed at the number of companies listed. Although Diversified Consumer Services is not a collection agency, we would be listed on the website if we were banned from conducting business. When the question, “Am I being scammed?” comes up, the companies and people listed at the first link aren’t even allowed to work in the industry any longer.

The companies and people listed at the web address below are banned, by federal court orders, from participating in the business of debt collection. Click “View case” for information about the lawsuit that resulted in the ban, including press releases and links to the legal complaints. Click “View order” to see the federal court order that permanently prohibits the person or company from participating in the debt collection business.

https://www.ftc.gov/enforcement/cases-proceedings/banned-debt-collectors

 

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Credit Assistance Network, Inc.

What They Do

Credit Assistance Network specializes in “Credit Improvement” which should not be confused with the typical “Credit Repair” companies you have likely heard of. They offer a realistic, legal program designed to help with virtually any credit related problem.

Get Started!

Visit Credit Assistance Network, Inc. now and get more information now!

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Bart, Burt, Bartz, Bortz, Barr (???), Reynolds & Associates (The Internet cannot agree on the company’s name!)

Bart, Burt, Bartz, Bortz, Barr (???), Reynolds & Associates

We have launched an investigation into Bart, Burt, Bartz, Bortz, Barr (???), Reynolds & Associates.  Internet reports cannot agree on a company name and their voice mail (answering machine) that answers isn’t any better help, but the one consistent aspect so far is the phone number of 1-888-801-7935.  A simple Google Search (click here) reveals that it is nothing shy of a scam attempt. They likely aren’t successful at all given that the complaints stem around the attempt not the success. Robocall systems are calling people and telling them that court papers are being served, etc., you know, all the illegal stuff that criminals do in the hopes of luring in easily scared or convinced people. DO NOT FALL FOR IT! We will get to the bottom of the company’s name ultimately if they last that long. If you receive a call from them, please immediately report them to the Consumer Financial Protection Bureau (click here).  You can also file a complaint with the Federal Trade Commission (click here) for the Robocall. THERE IS ALSO PLENTY OF USEFUL INFORMATION AT THAT LINK FOR TONS OF SCAM REPORTING!! Robocalling is a crime in addition to the crime of attempting to steal your money, so you can give them the double whammy!

This “company” attempted to scam one of our customers who had already paid his account in full in December 2018. He has been contacted by THREE other companies since that time. Only one of them was a legitimate organization that is now working with us to be sure that any other duplicate accounts they may have purchased are removed from their portfolio. When he got that Robocall though, he could see right through it and reported it to us and has since filed complaints with the earlier mentioned agencies.

Cordoza & Wexler Recovery Services

Cordoza & Wexler Recovery Services

We have launched an investigation into Cordoza & Wexler Recovery Services. It has been confirmed that at least one of our customers paid that company for a debt that is legally owned by Diversified Consumer Services. Research into the company indicates a troublesome pattern of alleged violations of the Fair Debt Collection Practices Act and other laws. What we tried to view as an “oops” appears not to be an “oops”, but rather a deliberate action. In addition to receiving no response to demands that the company reimburse us for our legally entitled collected funds that our customer paid to them (and if not paid on time, the full amount originally due, as the company authorized  When the customer was explaining the situation to us after receiving a phone call from the company, he mentioned that even though he received a letter from us (and no phone call), the other company never mailed him a letter. The only document he received after the phone call was an e-document to sign and agree to payment arrangements and debit from his bank account. Federal Law requires that a debtor be sent a written notice within 5 days of contacting them by phone. We do not contact our customers by telephone first. We skip that step and mail the required notice up front. As we continue to investigate this matter, we are also in the process of creating a separate website to find other alleged victims of Cordoza & Wexler Recovery Services, so that if a Class Action lawsuit is formed, all of the correct charges against the company will be included. Until the company meets our demands to compensate us and our customer, and certifies its legitimacy (which comes with a lengthy list of requirements), we will not step away from this matter.  Please check back for the link to the Class Action lawsuit exploratory site, to be launched very soon. If you know anyone that may be an alleged victim, please share this with them. They will not have to be a customer of ours to participate.

Critical Resolution Mediation, LLC

Critical Resolution Mediation LLC

We have launched an investigation into Critical Resolution Mediation, LLC. It has been confirmed that at least one of our customers paid that company for a debt that is legally owned by Diversified Consumer Services. Research into the company indicates a troublesome pattern of alleged violations of the Fair Debt Collection Practices Act and other laws. What we tried to view as an “oops” appears not to be an “oops”, but rather a deliberate action. In addition to receiving no response to demands that the company reimburse us for our legally entitled collected funds that our customer paid to them and a demand that they refund the customer the additional money he was charged over and above the balance owed, phone calls to the company resulted in rude, arrogant and flippant behavior from representatives. When the customer was explaining the situation to us after receiving a phone call from the company, he mentioned that even though he received a letter from us (and no phone call), the other company never mailed him a letter. The only document he received after the phone call was an e-document to sign and agree to payment arrangements and debit from his bank account. Federal Law requires that a debtor be sent a written notice within 5 days of contacting them by phone. We do not contact our customers by telephone first. We skip that step and mail the required notice up front. As we continue to investigate this matter, we are also in the process of creating a separate website to find other alleged victims of Critical Resolution Mediation, LLC, so that if a Class Action lawsuit is formed, all of the correct charges against the company will be included. Until the company meets our demands to compensate us and our customer, and certifies its legitimacy (which comes with a lengthy list of requirements), we will not step away from this matter.  Please check back for the link to the Class Action lawsuit exploratory site, to be launched very soon. If you know anyone that may be an alleged victim, please share this with them. They will not have to be a customer of ours to participate.

InHouse (or In House) Solutions

InHouse (or In House) Solutions

We have launched an investigation into InHouse (or In House) Solutions. It has been confirmed that at least one of our customers paid that company for a debt that is legally owned by Diversified Consumer Services. Research into the company indicates a troublesome pattern of alleged violations of the Fair Debt Collection Practices Act and other laws, in spite of having a (non-accredited) A- BBB Rating. What we tried to view as an “oops” appears not to be an “oops”, but rather a deliberate action. In addition to receiving no response to demands that the company reimburse us for our legally entitled collected funds that our customer paid to them. when the customer sent documentation of payments made, it was never signed by an employee of the company, rather they had the customer sign her own Paid In Full letter which basically proves nothing with respect to payments actually being made and received by the company. A customer cannot sign their own Paid In Full letter. Unfortunately, she still owes the full balance to us, but we are going after the agency first in hopes of recovering the money without her having to pay us as well. This is a lesson to the customer that when you have been informed that WE own a debt, you don’t pay anyone else without confirming with US that it is OK to do so, which would only be if 1) we outsourced the account to a collection agency, or 2) we sold the account. This company sent no letter through the mail from InHouse (or In House) Solutions but received a letter from us (and no phone call). The only document she received after the phone call was an e-document to sign and agree to payment arrangements and charge to her credit card. Federal Law requires that a debtor be sent a written notice within 5 days of contacting them by phone. We do not contact our customers by telephone first. We skip that step and mail the required notice up front. As we continue to investigate this matter, we are also in the process of creating a separate website to find other alleged victims of InHouse (or In House) Solutions, so that if a Class Action lawsuit is formed, all of the correct charges against the company will be included. Until the company meets our demands to compensate us and our customer, and certifies its legitimacy (which comes with a lengthy list of requirements), we will not step away from this matter.  Please check back for the link to the Class Action lawsuit exploratory site, to be launched soon. If you know anyone that may be an alleged victim, please share this with them. They will not have to be a customer of ours to participate.

Sales Antidote & Bryan Pereyo – UPDATED 7/12/2019 – Formerly a Kinum, Inc. Investigation

Sales Antidote & Bryan Pereyo – Formerly an investigation into Kinum, Inc.

We have COMPLETED an investigation into Kinum, Inc..  This situation did not fall under a consumer scam, but nonetheless, a matter that needed to be made public.  The investigation resulted in CLEARING them of wrongdoing and redirecting the focus to Sales Antidote and its CEO Bryan Pereyo.  Bryan specifically entered into a contract on behalf of our company with Transworld Systems, Inc. (TSI),  a legitimate collection agency. Bryan represents himself as a Regional Owner of Kinum, Inc., however, the CEO of Kinum disputes this, stating that  “He is an Independent Licensed Agent with permission to use our software, sales system, service marks, and trademark (which includes email.) ”   He had no authorization to do this. It is considered fraud and can be treated as a criminal matter.

What appears to have happened (still under investigation) is that TSI was the collection agency actually collecting debts for 365 of our clients that we thought were under the care of Kinum, Inc. while a third-party, Collbox  who thought they were connecting us with Kinum, Inc. was also apparently bamboozled by Bryan.

Once this all came together on July 9, 2019 when TSI revealed they were collecting on our behalf under the impression that we were knowingly a client. They have ceased collection on the accounts since we had already sent them to other agencies. We have also asked that they delete ALL credit bureau entries for the 365 customers and provide us with a breakdown of everything to be used against Bryan and his company.

It is possible that Bryan is connected to another fraudulent operation and may have used TSI as his base of operations, again illegally. This is under investigation and may affect more of our customers. The legal mess Bryan has created for himself is being revealed quickly, and we don’t think his company can survive our wrath, but he’ll have a chance to settle up with us, any other victims, and any customer of other victims.

To be clear, Kinum, Inc. IS a legitimate company, but anyone wishing to contract with them should specify that Bryan Pereyo nor his minions can be anywhere near the accounts. Deal directly with corporate, not an independent agent.

We will be adding this information to our posts throughout that contain references and videos. We will ultimately revise the videos as well.

Stay tuned! This is going to be our biggest bust yet against a fraudster.

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IdentityForce

IdentityForce can help you protect your family

What They Do

IdentityForce offers proven identity, privacy, and credit security solutions.  They combine advanced detection technology, real-time alerts, 24/7 support, and identity recovery with nearly 40 years of experience to get the job done. Backed by a million dollar insurance policy, it’s why they’ve been trusted by millions of people, Global 1000 organizations, and the U.S. Government.

Get Started!

Sign up for IdentityForce’s free trial with and start protecting your identity.

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CuraDebt

What They Do

Struggling to pay back your debts? They have counseled over 180,000 people since 2000.  There are legal debt relief options available.

The solution is often faster, easier and saves a lot more money than what you may be doing now.

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