Harvard Collection Services
reviews and complaints

Received alert on my credit report showing a collection account for $300. I do not or have heard of this company. I looked them up online and called TWICE with no resolve. The first call I was on hold for 37 minutes someone pick up the line and then hung up. The second call I was on hold for 1hr 53 minutes and still did not get to speak to anyone. This has caused my credit score to drop drastically. No one has notified me of anything verbally or in writing and I have been the one calling to find out what is this about with no resolve. I want this removed as this is inaccurate, fraudulent and in violation.

I have never been spoken to by a representative the way Francisco *** spoke to me when I was seeking to reduce a monthly payment. While I understand there are certain restrictions making it complicated for him to do such a thing, the tone in which he spoke to me explaining those restrictions was uncalled for. His response when I acknowledged his unprofessional tone was that he was treating me like any other collector would. In my past experience, not one representative has spoken to me in such an unprofessional tone. He mentioned his 15 years with the company, I hope no one else has had to endure such mistreatment while trying their best to pay off a debt.

This is almost an illegal company that uses phones to harass seniors on money they 'DON'T OWE", through lies and verbal intimidation they try to collect money that is either paid on an old account or past the time period to be in collection, by renewing the debt with collection dates that are decades old with new dates to credit agencies. They also use the good name of the Better Busines Bureau in their advertising by using their logo on their web site. Contact you congressman, state rep., or senator to put a halt to these illegal practices. I AM A VETERAN AND DEFENDED THIS COUNTRY AGAINST PEOPLE LIKE THIS THAT TRY TO STRONG ARM SENIORS ON THE PHONE TO PAY ON OLD OLD DEBTS THAT ARE NO LONGER COLLECTABLE OR DEBTS THAT WERE PAID OFF MANY YEARS AGO AND SENIORS NO LONGER HAVE RECORD OF PAID DEBTS. They did and do his in communist countries. This is America!

I received a credit alert from Credit Karma, Advising me of new activity on my Transunion credit report. Upon review I noted a new collections (Harvard Collection Services) opened 2/1 this is for $2,627; for: (04 IL Department of Human Service). This is impossible I have no dealing with this agency for I am an Indiana resident and have been for almost 20yrs. This has significantly reduced my credit score.. I have worked very hard to maintain a Good credit history with 100% pay rating with all my creditors, even in this pandemic.. This is fraudulent and has nothing to do with me I would appreciate if this fraudulent activity is removed from my account.. I have no know dealings with this Agency.. I would also suggest that Transunion be more diligent with their reporting.. and accuracy.. This is causing consumer unfair distress and hardships.. and is subject to class action lawsuit Sincerely Gina

Harvard Collection Services prematurely reported to credit agencies that I failed to pay a debt to State of Illinois Department of Human Services. This could not be possible because: 1. Per the letter I received from the State of Illinois Department of Human Services was dated 2/26. 2. The date given within the letter from the State of Illinois Department of Human Services afforded me until 04/26 to pay entire amount or make arrangements. 3. I have proof of the State of Illinois Human Services receiving payment, priority mail tracking and receipt of delivery. 4. Cancelled check from my bank, and stamp on check from State of Illinois Department of Human Services proving they received. 5. How could Harvard Collection Services possibly received notification that I had not paid as of 03/27? April 26th has not even past. This is VERY serious. How can a collection company not have checks and balances? Who authorized them to place this false information on my credit report? This matter is not something to be taken lightly, I am current on all of my bills, despite the current economic climate. I am sure this is nothing more than them trying to scam monies. I am awaiting a response from Harvard Collection Services to find out what happened, receive a formal apology, and have this removed from credit agencies ASAP! There error can cause me even more hardship than I already have. Harvard Collection Services actions seem extremely illegal.

On April 23 Harvard Collections placed a "collections" on my credit report in the amount of $457.00. I never heard of this collection agency nor had I received any calls or letters from this agency prior to them placing a debt on my credit report. I've tried calling them and there's no answer or a get a recording after holding on instructing me to press a number if I approve of my message. What message? I left no message. I disputed this with the credit bureau and the only response I got back is that the debt has been verified. Exactly what does this mean. It shows that the debt is from the I ***. If this is what I think it is. This would be a debt from 37 years ago. I do believe there's a statute of limitations on a debt. My biggest complaint is that they put this on my credit report and I had an excellent credit score, reducing my credit score and never contacted me for payment. I would think this practices are not within the states guidelines.

On April 17, I received an alert from a credit monitoring service, informing me that there is negative activity on my credit report which has caused my credit score to decrease. After reviewing my credit report, I noticed 1 new account, Harvard Collection Serv., an agency which I had never heard of, had no contact, nor any business affiliation. After further review, I ascertained that Harvard Collection Services has reported to the credit reporting bureaus, as an account with a balance of 1820.00, naming IL Department of Human Services as original lender, which I have not had an account nor debt with. There are no reported details regarding, account type, date, payment history, Reporting derogatory/damaging information to credit bureaus is unlawful as it violates the guidelines of the FCRA and FDCPA, whereas Harvard Collection Services failed to validate the debt. I am appalled that Harvard would use such harmful and unfair practices, which they are aware, violates the law.

I am in the process of purchasing a home, and my bank informed me that they show a collection on my credit report from Harvard Collection Service stating I owed $1769, which was placed in collections by IL Department *** Services (IDHS). I called Harvard collections on 8/31, and was advised it was for overpayment on food stamps dating back up to 40 years, they received this account in Feb of 2021. They are unable to provide more info. I received zero notices.. I havent lived in IL for 25 years. I called IL *** of *** Services, and they have no record of my balance. I am retired, and on a fixed social security and disability income. I OWE NOTHING and they don't report like this and did NOT know this company. I am filling a compliant with Complaintsboard.com. I was informed this company has a record of fraudulent activity, and false reporting. There are over 130 complaints and most were reported this year, 2021. I cant get anyone to help me resolve this. Please remove off my credit report.

I received a notice that my credit score suddenly went down for the past two months, April and May . There is a report filed with *** by a collection agency called Harvard Collection Services that I have never heard of, and have never received any mail from them, or from any other entity for the amount of $647. I do not recognize this and have never been billed for anything like this in my memory. I do not know what this is for, but now looking at this website, with other complaints from this and last month regarding the same issue, I do believe that it must be some kind of scam. They appear to be saying this is money owed to the State of Illinois--I have not lived there since the 90s, and filed for ***, and do not have debts before that point. I don't know what to do about this but someone should look into it. I am going by other complaints that I have read on this site about this collection agency. How can they report you when they have never contacted you?

I don't know anything about this company at all. I received an email from Experian that new creditor added to my account for $4700. Harvard Collections. I contact Harvard on 4/19 @ 4:40. Told me that Illinois Department of Health and Human Services was creditor. I have not lived in Illinois in over 20 years. The lady I spoke to said that they could go back 30 to 40 years. She gave #***. Called only could leave message and be 7 - 10 business days. Still no call back. Called Harvard 4 times today spoke to Darrin S he hung up on me 3 times. Said I was to loud and don't have to help me. I told I talk loud. The way it is on my report that 4700 was due in 02 placed on report 4. I have seen any notifications at my home address which I have been living here since 2014. I just was getting public assistance since 2017 in WI. I only get EBT. I've not gotten any cash money only EBT. I tried to see what I can do to get resolved but no help. I need this off my report. I need help!

On April 17, I received a credit alert from Experian that stated that a collection account from Harvard Collection Services had added a collection account for the amount of $633.00. I immediately contacted HCS on Monday 4/19 and spoke with acct rep *** who advised that the State of IL Human Services had sent the past due account to HCS to collect on. I asked how could HCS add this debt to my credit without even attempting to allow me to pay the debt first? *** claimed that they mailed me 2 notices back in Feb 2021, however I received absolutely nothing via mail. I advised that before I made any payments, I needed to verify that the debt was legitimate thru the State, so she provided me with the number to call the state & I was finally able to verify the debt on 4/20. I called back to HCS on 4/22, paid the debt in full and was advised if payment was made before end of month, acct would be deleted as collections with all credit bureaus and rmv from my credi

After checking my credit report on credit karma on 05/26 an amount was placed on my credit report for the amount of $2787.00 from the Illinois Department of Human Services. I put a dispute into all 3 credit bureaus on that same day. I contacted Harvard collection agency regarding this collection which was placed on my credit 02/01. I was told that is was an overpayment of assistance from 06/1990 to 12/1990. I was a single parent and any benefits obtained were in compliance with department rules and guidelines existing at time of issuance. In the past 30+ years I have never received and documentation or court order signed by a judge regarding this matter. What applicable statute are they operating under. According to the State of Illinois the legal statute of limitations are 5-10 years and in some cases up to 15 years. I demand that this collection be removed from all 3 credit bureaus and any further attempts to collect this so called 30+ year debt be removed and this closed.

I received a letter May from Harvard Collection Service stating I owed $901 n had been placed in collections by *** Department Human Services (IDHS). I called number provided on correspondence from Harvard Collection Svc several *** wasn't able to get anyone. I then contacted IDHS who informed me I did NOT owe them anything. I then received an alert from Credit Karma on 5/10 of a collection reported to my credit from Harvard Collection services for $901 n I lost approx 96 points from my credit due to the negative report. I called IDHS again on 7/12 and was informed again I OWE NOTHING and they don't report like this and did NOT know this company. I then go online with Complaintsboard.com to file complaint and see that there is a pattern of this false reporting by this company with over 130 complaints and most were reported May . All reported as false reporting. I can't get anyone on phone number provided by this company in letter they sent in May. Remove from 3 bureaus ASAP.

I paid a *** on Monday 08/30, requested an emailed receipt, and was told that the receipt would be emailed to me by 1 PM that day. Tuesday 08/31 I still had not received a receipt of payment, so I called the collections agency and let the representative know and he told me I would have to wait a 24 hours before getting a receipt. I then told the rep that it had in fact been *** the system, apologized, and said I would receive an emailed receipt by the end of the day (08/31). Wednesday, 09/01, I still have not received a receipt. I call the agency yet again and let the rep know. The *** the request was never put in once again and says he will send a request and I will receive a receipt in 4 days.. I told him I needed an emailed receipt, we verified my email address once again and the rep said I should receive the receipt by the end of the day today (09/01). We'll see.

I received a notification from my credit reporting agencies that my rating has plummeted by 84 points due to a $110.00 collection claim submitted by Harvard Collection Agency. I have never received notification via mail, email or a telephone call on this matter. In fact, I do not know what the matter entails. My telephone number and address for my current address for the past 8 years are public, but somehow, I was not contacted. I logged into my medical billing account and verified I have a zero balance. All utility bills and credit cards reflect a excellent payment status. I am at a loss to where I have an unpaid balance. I attempted to telephone this company, but could not reach a representative. This company's reviews are absolutely horrible and now I see why because they place matters on your report without contacting the consumer to ensure the matter is a legitimate collection, that they have the correct person or provide any proof/confirmation of any debt. A dispute is not the only step I will be take in this matter as this should have never been allowed to affect my credit report.

THIS COMPANY HAS PLACED 4 SMALL BALANCE MEDICAL SEPERATE COLLECTION ACCOUNTS ON MY CREDIT DATED 01/20. I HAVE NO KNOWLEDGE WHAT IT IS IN REGARDS TO. I HAVE NOT SEEN A PHYSICIAN IN OVER A YEAR. I FIND THIS ABSURD TO PLACE 4 SEPERATE COLLECTIONS AVERAGING A LITTLE OVER $150.00 EACH. Re-aging debt is when a debt's status changes on credit reports to make it appear as a newer debt. It is illegal for debt collectors to re-age credit accounts.Re-aging debt is when a debt's status changes on credit reports to make it appear as a newer debt. It is illegal for debt collectors to re-age credit accounts. Both the original creditor or a debt collector cannot re-age a negative account. No matter how many times a delinquent account is transferred or sold from one debt collector to another, the date of first delinquency should not change. The DOFD (date of first delinquency) determines how long a negative account can remain on your credit reports. The "DOFD" is the date an account became 30 days late and no other payments were made. Section 623(5)(A) says: "In general. A person who furnishes information to a consumer reporting agency regarding a delinquent account being placed for collection, charged to profit or loss, or subjected to any similar action shall, not later than 90 days after furnishing the information, notify the agency of the date of delinquency on the account, which shall be the month and year of the commencement of the delinquency on the account that immediately preceded the action."

I believe the *** of *** and some "collection" agencies are sharing data that lacks integrety, has no detail and is wrong and allowing 3rd parties to spy, interpret reports or data incorrectly and harass and bully individuals (elderly, rural and of certain races/ethnicities). Harvard Collection Agency is one. It started immediately after signing up with I-Cash portal through the state of *** and unclaimed property databae. It is clear people are data mining and sharing data that is not even accurate or up to date or clear with these "collection" folks.The harassment started and was under the name of ***/State of ***. I was never notified I owe by anyone from *** or any other entity that I owed the State of *** taxes of *** NOR should I pay any fees. After I complained to the *** I got a collection letter in the mail from Harvard Collection Agency demanding *** Plus interest (for what?) and Collection fee of $5.82). I believe they are watching my personal checking accounts, tax and personal tax data and my other private data which should not be happening. Perhaps they are buying this data or information which lacks integrity and is not clear, is wrong and exploitive. I dispute this and the Collection letter they just sent me (received 4/1/22) did not even have a tax year. I believe they are using my social security number, bank account info and tax info and using data they should not be.If they are affiliated with the *** of *** or Treasurey, they are not representing themselves or their business correctly. The 1st two bills/letters were from the *** and never at any time showed Harvard Collections Services on it.When I tried to call the numbers (there were multiple ones), noone answered. I do not owe this. I did leave a company *** in December and was refunded this small amount I believe for some tax.Perahps the files and data this 3rd party is using is not up to date, incorrect or lacks