Diversified Collection Services, Inc.

I tried to get in contact with the agents of Diversified Collection Services, and I made many calls to 1-888-335-6267. They never answered. Last time, I talked to an agent with the name of Jessica, and she told me all I wanted to hear and that she was going to take care and to call back to make payment arrangements and to set up a plan of payments, like I am going to pay $200 each month on the 15th of each month. And I have a debit card with City Bank, but they never returned the calls. Also in the past, they don't stay with the plan payment and lie a lot; and they write to Social Security and take my money with nothing but a lie that I am the one who does not answer to the letters they wrote (to an address that I don't know). I need to pay the student loan, and I need to make a payment plan.

Diversified Collection Services committing fraud/defamation - Neighbor said DCS called them, asked if they could look outside their window to advise if I was at home - that they need to find me to settle my account. 1 mo. ago, they called my family stating that they were with the prosecutor's office and I needed to call right away about my case.

They keep calling me about a T-Mobile account which is not mine. They have never sent me a statement, also neither has T-Mobile. I asked them to send a statement so I can dispute the bill and a customer agreement signed by me, which they cannot produce because I never signed one. It is not mine, they told me they sent it to an address which is not mine. I have lived at this address for 38 years. They also said they would not send me one, told me to file a fraud report with the police department which I tried to do but could not because they would not give me any information such as an account number or what it is all about.

On 4/18/12, 4/19/12 and 4/20/12, **, a collections agent for Diversified Collection Services, Inc., located at 333 North Canyons Parkway, Suite 100, Livermore, CA. 94551, (800) 927-7667 ext. **, called me several times at my place of work to discuss another person's debt with me. The first day he called (4/18/12), ** left a message with one of my employees, telling the person, who he was, who he worked for and, he wanted to talk to me. Mr. ** told the employee that I needed to call him at the (800) 927-7667 number. The next day (4/19/12), ** again called me at work, from the 800 number. ** told me his name, the company he worked for, and that he was trying to contact a Larry **.

He said that Larry ** owed Diversified Collection Services, Inc. $44,000 for past due student loans. Mr. ** told me I needed to tell Mr. ** that he called and Mr. ** needed to call him back at the 800 number. I told ** I did not know anything about Mr. **'s debt. ** kept asking me to tell him my home address. I told Mr. ** I did not know anything about this person's debt and I was not going to tell him my home address, or give him any information about me. ** kept trying to talk over me and kept demanding I give him my home address. I told ** that the number he called was my work number, the location he called was a government contracts office and to stop calling and discussing this person's debt issues with my employees and me.

The very next day, Mr. ** called me at my work and made the same demands he had previously made the day before. His unwanted, unwarranted, harassing phone calls to my work number has the potential to place my job and my employees' jobs in jeopardy. I have told ** of Diversified Collection Services, Inc., my company is a prime contractor for the Federal Government, unsolicited phone calls are strictly forbidden. I do not know anything about the person's debt, stop calling my work, stop discussing Mr. **'s debt with my employees and me, cease all communications (verbal and written), with anyone at my work about Mr. **'s debt. My employees and I do not owe any debt to DCS and, I am not a signer or co-signer of any debt owed to Diversified Collections Services, Inc. Mr. **(DCS) called me again, the very next day.

I had repaid my student loan completely. I paid $7,000 + $5,000 + another $3,000. I was told I only owed another $70.00 and I will be done. Anything over and above the $70.00 will be reimbursed to me. I have yet to receive my $600.00-plus from them.

I have called and got a nasty unprofessional secretary. She hung up on me and then I called back, she then let me know it was not a supervisor on duty, and they do not have an overpayment recovery program representative. I was furious at that point. I let her know I would be faxing and e-mailing the company a letter. She directed me to go ahead! I was not given the fax, or email information. She just hung up! Wow, I was baffled. Why is this company able to steal money from people? What kind of government do we have to hire this type of service?

I am now preparing to write my local government and question his or her judgment on the hiring of this company, DCS (Department of Children Services), a local welfare office initials. So, DCS tricks you into calling them back and then let the games begin. Once you answer, they begin to get your personal information and then use it against you. All I want is my overpayment they have robbed me of. I am the wrong person to undermine. I will get whoever I need to in order for me to get my hard earned money back.

I am a single mom and grandma, raising my 5 children and 3 grandchildren, how shameful of these people to take extra money from me. I work a full time job and have to work 70 hours a week just to replace the money they take out of my wages. The more I make, the more they take. Thank God I have paid the $15,000 back. It is a blessing, but what I am not happy about is they are still taking 15% of my earnings even though I am completely finished paying the whole loan off, interest and all. I have had a stroke worrying myself about this situation. I feel like I should sue them for the grief they have caused me and my family.

In 2009, I was contacted by DCS. They were collecting on unpaid tuition loans which were true. I settled with them for $19,500, which is what was asked. I never received any confirmation of payment and have asked a number of times. 13 months later, I am again contacted by DCS, asking for another $13,000 which they just tell me I owe, but will not show proof. I have paid the amount of the tuition money and more back to the bank, so I do not know what this $13,000 more is for. There was no prior warning that I had not been making payments to anyone, just DCS saying I owe the money now and they will take any and all actions to collect.

I asked again for them to send me a receipt of what I had paid now until 18 months ago and I still have not received any information, just threats to collect the money they claimed I owe them. At this time, I have not paid and I have not been told why I need to pay this debt they claim I have with them.

I was recently contacted by DCS, Inc. via cell phone on March 18th of 2012, stating that I owed the New Mexico Tax and Revenue Department. I never heard of such debt or this company before. I pay taxes every year and this was never mentioned. The lady, Jessica ** was rude and unprofessional. She spoke really fast and did not want to answer my questions about the company. I provided important information, seeing as though she stated that the phone call was recorded for later use. However, most companies would not ask for your Social Security number during that time. At the same time, I asked why I never received notice of this matter and she said that the state could not find me. Imagine that! Then I requested all information be sent in writing before I go any further.

I had a bad gut feeling so I searched online, only to find complaints and rumors of fraud. I have not been contacted again but I did send a letter called "Drop Dead" from the website clarkhoward.com. Hopefully they will not call or stalk me any longer. I will most definitely call the New Mexico Tax and Revenues Department to inform them of such fraud.

After receiving no notification that a garnishment of wages was about to occur, I was informed by my employer that they were instructed to begin the process. This was in 2010. After finally gaining a copy of the paperwork from my employer, I contacted Diversified Collection Services, Inc. and explained that this was an error. They instructed me to provide paperwork in order to back my statement. I faxed the paperwork I had, disputing this fact of me owing this debt. At that point, Ms. ** stated that the garnishment would be suspended pending an investigation.

Now, here it is 2012 and I've received another notification from my employer that they have been instructed to begin the garnishment again. I've received no notification as to the outcome of the investigation, nor the opportunity to dispute the debt or make some type of payment arrangements if the findings of the investigation were that I do owe. I've heard nothing from the company and my calls are not being returned.

February 9, 2012. My federal undergraduate loan was consolidated and paid in full (Citistudentloan.com). I had a private student loan with/under Citi Assist. Citi then sold my federal student loan to Sallie Mae and my private student to Discovery. In faith, I started paying my private student loan to Discovery, only for Discovery to return my payments indicating that my private student loans were not with them. Shortly thereafter, I began to receive threatening letters from Diversified Collection Services (DCS) stating that "this is an attempt to collect a debt," and they are authorized to collect this debt by any means necessary.

Finally, I contacted DCS, spoke with Mr. **, who in turn advised me that they would need some information in order to determine my monthly payment. Subsequently this information was provided accordingly, only to be informed that I would "need to pay a one time payment of $25,000.00 in good faith and that would save me $10,000.00 that would allow me to obtain a better credit." I kindly told Mr. ** that I would not be able obtain this kind of money. He then presented other "options":

2. One time payment of $11,000 and my monthly payment would be $889.00.

I informed Mr. ** that I do not have the means of paying this kind of money that he is asking me to pay, and if he would be willing to consider a monthly payment of $375.00. Mr. ** stated that he was going to make a note in his file and he is going to make an attempt to get this money by tomorrow (February 10, 2012) and that he expects me to call him tomorrow with a payment. At which point he ended the conversation with me saying, "Hello, hello..."

First, Mr. ** was very rude in hanging up his phone in the middle of our conversation. I have made it clear that I am not able to borrow the aforementioned money that he is asking of me to pay by the next business day. I did inform him that I am currently attending graduate school. Nevertheless, this information was not relevant to him as he had constantly repeated "as per my manager." This has been ongoing issue with DCS sending (four) threatening letters twice a month. This type of harassment needs to stop. Help!

I was called at work by someone who demanded to know why I didn't pay my student loan. I asked to see if it was possible to make payments that would be easy for me. It was only a little over 2k, but when I suggested payments of $50, she told me that it wouldn't work since my fees were more than that. My bill never changes, so what fees?

She then asked me why I didn't pay it off with income tax. I said it went toward the car that I was paying off so I forgot about my loan. I didn't just go and borrowed money because I couldn't do it to my family. I do not have much money in the bank since I live between paychecks. She insisted that we call the bank to see how much I have in my account. As I was on a business phone, which I can't tie up for a long period of time, I refused the idea of calling the bank. She insisted and said that she will make a way. She also added that if I do not cooperate, it would mean that I have no intention of paying the loan.

They should not have called at work! I had to hang up since I didn't have an option. I keep getting letters but they never called me again. I don't know about these guys. I have two different papers for the same loan with two completely different charges, with almost $500 difference. Who do you call? I don't want to talk to DCS again. So I'll try the other one with fingers crossed!

Your representative, to whom the Louisiana Dept. of Revenue and Taxation outsourced their collections, collected a payment from me that was not owed, that was collected from harassing my wife, and that was discussed with my wife who was not listed on my tax return either as joint-filer or as a dependent. The rules of confidentiality were badly misused and I want my money back. I have statement from the La. Dept. of Revenue and Taxation attesting to the fact that I did not owe the money your Mrs. ** collected from me.

I am a single parent dealing with Aggravated Identity Theft, on Tax fraud for taxes owed for and child support off set. They did DNA fraud by using my blood work that was taken on 1-23-2012, 1-24-2012, while at Detroit Receiving hospital on 4201 St. Antoine Blvd in Detroit Mi, where on several occasion they have repeatedly use my blood work for fraud to obtain money for kids who are not mine. As well as collecting money for child support for taxes that they owe for a dating service that they are running here. They illegally soliciting young women and young girl into prostitution and the cities are very aware of it. 4 young ladies have gotten rape and killed in these cities due to this scam. They have my original birth certificates.

He is and known rapist that they are letting terrorist this cites. I am no longer a resident here. I am visiting and plan to be moving out of the state of Michigan. I am suing for Extortion charges, stalking and harassment at the Wayne county police department where they are under indictment for several different things, maybe even murder. I have experienced this abuse. I was hit by a car and threat that my family would be murdered and I am speaking for those who are afraid to stand up for themselves and not let a low life **** destroy their life because he thinks he is above the law.

They have gone so far as to have stolen my birth certificate for my 3 kids and medical records tampering with them and switching federal information police records. These people have no right to be in the freedom of regular citizens due to the history of criminal sexual contact. They have felonies for me and my son has been victims of these people for too long. They think it is a game but it is a disgrace to the United States that these criminal can stalk and harass innocent women and set them on fire and burn them up and nobody is doing anything about.

These cities are going under and the mayor does have a clue what to do they are getting away with extortion which is a federal crime. These people are in are bars assaulting women, leaving them for dead and all kinds of sexual things. They are using innocent and good people's name and are ruining their life like they are trying to do me and my son but I won't let that happen and in case you didn't know what extortion is, let me give you the definition of it. It is an organized crime, illegal acquisition of money, property or laws through the use of force or the threats of force abuse of privilege on the part of a public official, who has used his or her position to get money, blackmail and robbery. Extortion is entirely, illegal as it involves threats of violence or other illegal acts, such as mass murder, first degree murder, stalking, perjury, false statements, false personification and bribery.

This has gotten out of hand and needs to be dealt with ASAP. These people are taking me and my son money for crimes and taxes we do not owe are not involved in such organization. We are into helping homeless and feeding homeless people, not taking, stealing and abusing the power that they have because they are in a public office and they feel they can treat people any way they want. We have rights as citizens to stand up and protect ourselves from this low life scum who don't like women. If it wasn't for us, he would be here. I need assisted in getting my money back that they have stolen for, taxes and several other crimes they have committed by the use of their power of a public office here in Detroit Mi, and it is going on in Ohio.

I got a voice mail on my home phone, asking me to return a call to Jessica Garcia at "DCS, Inc." and included a toll free number. I had no idea who DCS Inc. was, and the message did not tell me. I called the number the next day, and I was told that DCS stood for Diversified Collection Services, and I was asked for my "account number". Since I had no idea what account number they were referring to, and they wouldn't tell me, I didn't have my account number. Then, I was asked for my Social Security Number.

Still with no indication what they were calling about, what account was delinquent, or any other clarifying information. I have absolutely no delinquent accounts anywhere, and excellent credit. I refused to provide my Social Security Number. I asked who they were collecting for, but Jessica said she couldn't tell me, which seems very fishy. When I refused to provide my Social Security Number, she said she "couldn't help me". As an IT professional, I find it very suspicious, that the only way they have of looking me up is by my Social Security Number. That is highly sensitive information. I believe these people are running a scam. Now, I'm left worrying that I have a delinquent account I didn't even know about, and I have no way to pursue it.

I constantly receive letters saying I have outstanding educational loans and they are about to garnish my wages! I have never had any student loans ever! They will not stop contacting me and want me to give all my personal info to clarify this. If I do so, then they could use that info. How do I get them to stop!

They are harassing my family, my mother, and my uncle. I have not had a job in over a year. So, I have no phone, no home, and barely have a car. I wrote them telling about my current situation, yet they harass my family.

I received a call today from a DCS rep, identified as Alexis **. She asked for my personal info, and would not disclose why she was calling. When I refused she asked "who are you hiding from?". I thought this type of rudeness was disallowed by Consumer Protection Laws. I am not in arrears to anyone. She did explain that someone gave me as a reference, and then hung up.

A representative from DCS, Inc. called me and wanted my personal information. I did give some but not all that she asked for. She has been calling my place of employment and has been extremely rude to the secretary when she calls. Also, she has hung up on my building principal, and was hateful to our school counselor. This is unprofessional and unacceptable. I have only been at my job for two months so this harrassment could cost me my job.

I received a call asking to verify personal information. I asked the representative to identify herself and she would not. Who is this company? From the comments I have read, this place seems to use local numbers to get people to answer the phone. I hope this complaint is added to the list.

I had a phone call from one of their representatives who informed me that I had to pay or they would garnish my wages from a debt that occurred over 25 years ago. Can they really do that? They requested personal information from me, and I'm not sure that I should be providing such information to them, as the many complaints that I have read clearly suggest that they are taking it upon themselves to do whatever they feel like. Someone should investigate their ** practices! I don't trust these people and don't really know what to do at this point. I really believe that I need to speak to a lawyer before I proceed with giving any information that they are requesting for.

They called me looking for a neighbor who lives 5 houses down from me. They, Kristin and Rebecca, were rude and refused to tell me why they were calling me to find him, especially since my number has been on the DNC Registry for over 5 years. I was being harassed because I am the neighbor of someone who owes them money. Someone has to do something about this company. How dare they treat me like a criminal with their tactics of bullying me into giving them information on him!? Even if I did know him, I'd never say a word to people over the phone

I contacted the BBB & FTC. So between you guys and them, I sure hope someone looks into their practices of intimidation, bullying and harassing of people not even remotely associated with their business! I told them to stop calling or I'd call the police and they all but dared me to, and said no one would do anything to them. Argh, it's frustrating that they can treat people this way and get away with it.

I've dealt with a number of collection agencies. This particular group has a strong tendency to be unnecessarily condescending, abusive, and belittling, even to those who might answer and are not responsible for the debt. It's simply counterproductive. I wonder if this is legal.

This individual called my house and my teenage son answered. She asked him if we were related to a Stephen Griffin. He said yes (this is my brother-in-law) and then she proceeded to ask my teenager for his contact info. My teenager got confused and wasn't able to answer her many questions, so he handed the phone to me. When I got on the phone, I asked for her name and what was this regarding and she refused to tell me, only stating she was trying to reach him. I find it quite disturbing that a collection agency calls a family member, gets a minor on the phone and tries to get contact information from that minor child.

I contacted this company months ago regarding a garnishment in which I just happen to notice on my paycheck; no prior notification of possible garnishment was mailed directly to me. I explained financial hardship and I got derogatory comments from customer services agents. I finally received information to file for hearing on financial hardship.

The paperwork was returned in timely fashion along with copies of documents requested by this agency. I verified today, October 3rd 2011, whether it was received and the gal, I spoke with on the phone, informed me that such requests take 90 days for them to decide if a hearing will take place and they just received the paperwork on the 6th of September. They will send correspondence related to the hearing and if approved but in the meantime, they continue to garnish my wages and she stated that they will not stop garnishing until a decision is made.

This company is a joke.

They must had brought an old loan for a 1990 single mobile home and they begin garnishing my paycheck in November 2007. I cannot get a clear answer as to how they developed the total amount which they had stated I owe.

They have been calling me for a past due bill from US Cellular, and when I told them I cant pay them until i go back to work in mid-February, they told me that, that was unacceptable, and I need to ask family or friends to lend me money. When I said "no I won't do that, and to stop disrespecting me on the phone, because I'm a grown man", he told me to be a man and pay my bill. I asked to speak to a manager, and he told me no. So, I called back again, and some lady who sounded high on drugs refused me a manager also. They are idiots, and stressed me out, and they keep bothering me.

I first received an official looking letter from this company a couple of years ago. At that time, I called the company and was told that I needed to provide my social security number just to have them look up the account. This was a huge red flag for me and I told them in no uncertain terms that if they had enough information to send the letter, they had enough to figure out which account I was calling about and if I received anymore collection efforts from them, I'd seek legal remedy. They are trying to collect on a student loan that I never have applied for/received so I'm certain the collection efforts are fraudulent.

Last week, I received another letter of similar content. It claims that I am in default of a student loan that I never had applied for or received. The letter says that, in order to dispute the validity of the debt, we have to do so in writing. We only can call the office to arrange a payment schedule. After reading the other complaints, I'm honestly beginning to get seriously scared. I feel as though I've somehow found myself in the sites of an arch-criminal that apparently has made a practice of doing anything they want to, regardless of the laws and no one has been able to stop them.

There has to be some way to put a stop to the harassment, unfair wage garnishment and persecution that innocent people are suffering at the hands of this unscrupulous business especially in this day and age. I have already forwarded my letter to an attorney and my situation is up in the air at the present. I certainly would encourage anyone that even gets blinked at by these people to contact an attorney first and foremost and do not provide any personal information.

I was called at my residence late one evening about a week ago from a company called Diversified Collection Services inform me that I was in debt to the Virginia Department of Taxation in the amount of $19,720.08 which was first of my knowledge and they were going to start levying my account in the near future or should I say soon.

I have a SL that started at 8,000 and mushroomed to 29,000 over the years. Since my graduation in 1995, I have had numerous setbacks such as cancer, loss of jobs, foreclosures of home, bankruptcy. My financial status has been very shaky over the years. At that time, if you filed bankruptcy, that SL would be deferred for 5 years. In other words, we did not hear anything for 5 years. When the 5 years were up, I requested a phone hearing and I received a dismissal of my student loans. Unfortunately, I am not able to find the letter (still looking).

Anyway, in good faith, I have fallen victim of these so-called rehabilitation programs. The first time, I was told that if 12 payments could be taken directly out of my checking account that my loan would come out of default and the credit bureau would show me as being current. Was I stupid. I fell again with another agency who said the same thing, this time for nine months.

Thank goodness that both times they did stop payments coming out of my account. But, sadly I found out that none of the money was credited. I was a Federal employee and could jeopardize my job if I were delinquent so when I was contacted again by another agency that portrayed themselves as Dept of Education I allowed them to garnish my wages. The reason was that they wanted $1,000 a month payments and I could not afford that and I knew that by garnishing my wages that they could only collect 15%.

This went on for at least 4-5 years until my early under duress retirement. I went from a salary of $49,600 a year to $539.00 a month.I have been contacted repeatedly by DCS. I screen my calls and do not answer any numbers that I don't recognize. They are sneaky and use many different tactics. I took a call because the number showed a local area code. I let the man talk and then I told him my situation and the experiences I had with so-called Rehab Programs. He said he needed to verify personal information which I would not give over the phone.

I told him to send me the form and I would fill it out and he became angry. He threatened to garnish my pension check. I told him "fine, because all they could take was 15% of $539.00 and that was a lot less than what his company would require." He hung up on me. This morning, 10-18-2010, my husband's cell phone was ringing and the phone number had a 717 area code. I thought it was my daughter in PA. Wrong, it was DCS. The lady was very nice at first and I let her go on. Then again I'm asked for personal info over the phone. She even wanted my husband's income which I refused to tell her. She became very angry and started the garnishment threat.

I told her the same thing I told the other guy and this time I hung up. I am outraged that over $18,000 was sent on my behalf over the years and my balance stayed the same. This lady kept saying that because it was garnished wages that it didn't count as payment. Is this true? Is it wrong for me to want to pay what I can afford? When you have a defaulted student loan there is nowhere to turn. Even the Department of Education is no help. From reading some of these entries, it looks like I'm not alone. Maybe we should all picket the White House.

The collector called me during work hours requesting my son's personal information. I specifically asked if she was from a gaming company on the West Coast and she replied in the affirmative. I gave her my son's contact information. She used the information to call my son at the retail store where he works. He almost lost his job due to this call. He told her not to call his work number and she has continued calling there. She wants nothing less than a full payment and didn't inform my son of his rights or options.

I was applying for a student loan and found out that I owed over $10,000 on a school loan which I never received a bill for thanks to Great Lakes. I started my rehab paid 9 months to rehab it. The last payment I made was $2.00 short! I paid what they told me too! This put my loan back into default again! I am paying to get it out of default again! I can't wait to see what their next mistake is going to be! A year later I'm still not back in school! It's also very hard to call and make a payment; it took me three days to make a payment last month. I thought this is what they are going to do to make so I can't go back to school.

I received a letter from Diversified Collection Services concerning a delinquent account on my student loan that had been referred to them by American Student Assistance for collection. The letter was dated September 1st 2010, and it instructed me to directly contact DCS within 30 days after receiving the notice. I contacted them on September 20th 2010. I spoke with a J. **, who was the same individual who sent the letter. I was informed that my delinquent account was in default and could be taken out of this status with a minimum payment of $87 dollars a month and 9 consecutive payments.

I was surprised that part of my student loan had gone into default status, since I have always been very responsible with paying back my loans. My skepticism grew when I was told that I would have to give my bank account information over the phone in order to immediately qualify for the minimum payment plan. When I questioned the legality of giving out my bank account information over the phone, without signing any permission form, I was told that this was standard practice and that I could not qualify for the minimum repayment plan otherwise.

I was also told at one point during the conversation that my former address on record was San Antonio Texas, a state in which I have never lived. Luckily, I did not give out my bank account information, and I am contacting my lawyer to investigate this claim. I would urge others to be very wary of this company. I do not believe they are using ethical or honest business practices.

This company is harassing me and sending me unwanted mail at my home. I have never heard of them. They are trying to take my money in which they blindly think I have. I do not owe the money they claim. The school is closed down and I do not owe them money. They are bothering and upsetting me. I will sue them if they do not stop.

I am living in a very hard economical situation, my husband just died and they are threatening to take my 12-year-old's money in which she may collect. That is not right. They are threatening me. I will report this to the police if this does not stop. Not only that they are threatening to cost me more. I live in an apartment, with a broken down old car. I have no money coming in. What do they think I am made of and why are they bothering and threatening me? They are threatening to even take my welfare. How evil, how greedy!

I received a letter from the DCS office that was dated July 20, 2010, stating my balance was $597.33 after they deducted $300.00 from my checking account. I then received a letter in September, stating that my remaining balance is $600.78. When I called and spoke with Shannon **, she insisted that she had made me aware of this balance. If I had been aware of this, I certainly would have asked where the extra $300.00 was tacked on!

I gave them checking account information to begin an automatic payment agreement. As soon as this information went out, a check was forged against my account in Oregon, where DCS has offices. I immediately closed the account. When one of their rude, harassing employees called me, I told them I had sent my payment directly to the Dept. of Ed. She accused me of lying. I complained to the Dept. of Ed, who said they would follow up of this. We'll see. The Dept. of Ed. said collection agencies are supposed to follow guidelines on treating people with courtesy. Right. That happens with DCS. I don't trust this company. I will not give them any direct information. I will not send them any more money. They are dishonest, rude, arrogant and unprofessional.

I called to ask about an old account of which I had paid in full. I wanted them to stop reporting my account as derogatory to the three major credit reporting bureaus. The person I spoke with (female) was as unhelpful and rude a person as I've ever met. I got nowhere with her. My credit score (FICO) is being affected negatively, potentially affecting my chances at gaining loan approval for a home I'm trying to purchase.

I just got a letter from my employer that DCS is garnishing money out of my paycheck yet again. We had agreed to $56 per month and DCS was supposed to be taking this out of my account automatically on the first of every month. Now I learned that they are reversing it and taking out 15% of my earnings.

Honestly, could you live with anyone taking 15% of your earning every pay period? How am I suppose to? Why would they pick such a high number? Why not 1%, if you are getting paid?

I have had nothing but issues with DCS. My account representative, Larry ** won't return phone calls to make payments, that is why I was to be set up on the monthly program. He has never called to tell me that I was delinquent on my account but a lady called me in March to sign some paperwork and informed me that my account was up to date and I needed to sign a letter for some take over with Great Lakes.

I am a single mom and now they are taking more money out of my account than I pay for my car payment.

I was recently in an agreement with this company to settle a student loan. We came to an agreement that if I paid $150 for 9 voluntary months, they would not offset my social security. They are now offsetting my social security and receiving a monthly payment from my bank account. When I made a call to the Diversified Collection Services, Inc, they said they knew nothing about it, that I need to call the company where the collection is coming from. I called American Education Services and they referred me back to DCS. No one took responsibility for these actions.

The agreement was to accept temporary reasonable and affordable monthly payment arrangements of $150 in conjunction with your request to participate in the Federal Loan Rehabilitation Program, as authorized by 428F of the Higher Education Act of 1965, as amended. The agreement was if I did this, they would not offset my social security but instead they are receiving two payments instead of one.

I requested them to put these two payments they received from social security towards the 9 voluntary payments but they denied. I feel as if I made the payments every month, they should not take out of my wages I received. I have been dealing with controlling my blood pressure due to worrying how I was going to pay my other bills. With them taking out of my social security and me paying the regular amount, it is making it hard to pay the rest of my bills. Is there anything that can be done about this matter?

i am a sergeant in the united states army. i have a problem with some loans that went to a collection agency. this is the problem when i call this annie davis it is usually a one way conversation she will not let me explain the situation about it what i am doing and where the case is going to. she tells me that you are in default of a loan and you need to pay it off. she is threatening me to garnish my wages because i am a federal employee and will not let me speak. i feel she is unfair and needs to understand the situation before she threatens me to ganish my wages.

I made every effort to pay a student loan. Even during times of unemployment. I had a payment agreement with Diversified Collection Services, but monthly statements from them did not show a balance or previous payments that I had made. I voiced my concern. The statements stopped coming to my home. I continued to pay, but mailed letters and left messages. No one ever answered my questions.

D.C.S garnished my wages without a court order or any type of warning, regardless of the fact that I was paying what I agreed to pay. It was financial hardship I could not bare. I was advised to file for a Bankruptcy that I did not want. I received a Hardship Chapter 7.

Received several calls at work and at home along with an "official" government letter saying I owe $17,000 in a defaulted student loan and that my paycheck will be garnished and my credit rating destroyed unless I send a check immediately. I NEVER had a student loan. I AM NOT the Mary "E" S they say I am. My Social Security number IS NOT the one they have for this Mary "E" S. They say the only way they will cease their collection efforts is if I give them over the phone, or fax them PERSONAL, CONFIDENTIAL information about myself such as my correct Social Security number, my bank statement or credit card statement, a copy of a recent money order, or other sensitive financial info.

I do not give this info to strangers over the phone, nor should I. I believe this company may be involved in extortion, mail fraud, identity theft and other illegal activities -- and at the very least -- in unscrupulous business practices. Once again, I am NOT this Mary S, I HAVER NEVER HAD a student loan, I NEVER lived in the places they say I have, and that is NOT my Social Security number. I do not believe this company has the right to INSIST that I PROVE my correct identity to them by divulging personal confidential information to strangers who might potentially use it illegally.